/biz/ - Business & Finance

>>23453105
why do european girls look so dopey

>>23453149
Its because they crave asians hands for massage.

>>23453105
How has that worked for you? Considering doing it myself.

>>23453105
Has it actually worked? I really want to try it
I need to increase my link stack and can only do it with borrowed money at this point

>>23453149
>T. Nigger

>>23453473
It works great, they keep selling your debt. I fucked with this one creditor a few times and a week later I got a letter saying they sold my debt to another company. Have had this happen like 5 times. One company even had someone come to my house and summoned me to court. The judge basically told the creditor to fuck off after the creditor wanted the judge to make me have a payment plan lmao. The lawyer was also a manlet jew and told me, "you think you're a real wise guy, pay your bills" I told him I couldn't hear him down there and money can't buy height." I though the fucker was going to attack me lmao.

what a fucking whore, i would dump my bitch for this. Also clear her butt muscle is weak.

>>23453105
What’s his problem?

>>23453570
Also I'm like 15k in debt, 5k from some dental work, 8k cc debt and the rest of the debt is cc but I used it to pay for college for a few years. I also just got approved for a 5k cc card and dell approved me for 7k. How the fuck do these companys do this? My debt has been sold so many times maybe they lose track.

>>23453586
Absolutely glorious and based. What kind of debt were you pulling this with? Credit cards, loans, rentals?

>>23453105
Never getting into debt

>>23453105

which one of you is this

>>23453757
Pussy, learning how to navigate debt is how you make it in our faggot Jewish economy. Learn to play the game.

>>23453800
nope

>>23453735
Basically >>23453720
This is the second time. I was in 20k cc debt 10 years ago but I waited it out. College and food and books, I wish it was something awesome I spent that money on. Actually I did max out a 4k cc card on a gaming pc and a few trips with this girl I was banging.

>>23453800
>Learn to play the game.
Best way to win is not to play. You take on debt, you make a jew rich.

>>23453149
A touch of fetal alcohol syndrome.

>>23453105
who is this brap hog?

>>23453586
>I told him I couldn't hear him down there and money can't buy height." I though the fucker was going to attack me lmao.
things that never happened. post made me lol though

>>23453627
his only way to have a glimpse of what it feels/smells like.

>>23453909
It literally did. I also had a mexican debt collector come to my house and I asked him if I could pay in tacos. He laughed and was actually pretty cool and didn't bother me after. I think they see im a broke college student and leave me alone. Im working on my masters now after neeting it up for 5 years. Also thats how you get out of college debt, just pay with credit cards and then don't pay them.

>>23453859
The ultimate way to win is borrow their money to buy Bitcoin

>>23453962
How'd you manage to get a card with a high enough limit to pay the fees? You must have built up some type of credit before?

>>23453963
This, max out everything and don't pay anything. Do not answer the phone, do not respond to letters etc. After 7 years personal debt is erased in the US. At that point, do it again.

im considering doing this but my only concern is future credit score affecting mortgage interest rate. any way around that?

>>23453720
The banks can write your debt off as a loss after selling it to a collection agency and the delinquency disappears after some time. I don't think the banks actually lose that much, and the collection agency's must be doing well off of the ignorance of people who think they are obliged to pay them. It's a fascinating system.

>>23454046
>After 7 years personal debt is erased in the US. At that point, do it again.

This is false you kike

>>23454070
do not do this if you plan on taking debt in the future

>>23454103
What is false about this?

>>23454103
No this is true, bankruptcy fren. >>23453105
OP know that I'm lurking, I'd very much like to indulge the rest of your journey if there is more to it.

How can I, a NEET, secure some credit for the coming crypto bullrun?

>>23454103
T. Kike debt collector

>>23454224
Credit companies literally give cards away. You might get a high interest rate, but you can still get one.

>>23453586
Also OP, how did you go about court? Did you represent yourself?

>>23453473
I believe it works

>>23454199
Checked. One thing I’ve learned from all of this is that no matter how much in debt you are there is always credit freely given. I get cc offers weekly. I could probably get into another 20k debt right now and I might because next semester will start and I need to pay for classes and books and I want a new gaming pc. One tip is to get a car and have it paid off that isn’t worth a lot. They can’t take it from you, they literally have nothing but a lot of smoke. Once the fear breaks of creditors calls and letters then you’re truly free to see the system for what it is. Use them and abuse them because that’s what they do to us.

>>23454339
Interest rate is irrelevant. I'm never going to give them a dollar back.

>>23454368
I just showed up and acted retarded like I didn’t know anything. The court is meant to scare you. Don’t be scared and tell them you have no money. They can’t do shit. The judge has better things to do then fuck with some retard with cc debt, they don’t care and the judges hate debt collectors like everyone else.

>>23454393
Exactly my point
>>23454388
Thank you again you glorious faggot. I was already considering going back to school to get a PhD in psychology or education, this cemented it for me.

I saw the thumbnail and new instantly it was BASED DONG.

>>23454415
I think a lot of judges are smart enough to know our economic system is all bullshit. Don’t pay the banks back? Fine, they’ll go print some more money. It’s one massive Ponzi scheme.

>>23453586
Every time you fuck with them it resets the timer. If you must do something then when they send you a prepaid envelope you just fill a bigass box with some trash lead or a couple bags of concrete. Make it worth your time. I'd rather just let my debt fall off though. Coming up on three years. Last time I spoke with them on the phone I said I'm not paying it and that I already told them who to contact about it and to stop bugging me. They didn't seem to care much but neither did I. I don't have the energy to argue about things when I know I don't owe them shit.

What happens if you refuse to pay them back? Can the courts force you to pay?

>>23453901
Name? I legit got real close with a girl with this exact hair and physique. Looks 100% like her.

>>23453105
Best cards to do this with? I'm broke

>>23454429
Don’t get student loans just max out your cc. Student loans are indentured servitude and I thank god everyday I never got any. Get your PhD anon and make enough to buy whatever shitcoins you want.

>>23453105
How would you be comfortable letting somebody do this to you in public, people on benches watching and tons walking right past. I guess I'm just not a white woman

>>23454511
How tf are the courts going to make someone pay with no money? It would cost money to put them in jail and you can’t go to jail for debt anyway. It’s meant to scare you. Don’t be scared and you win. Actually fuck with them on purpose to build some confidence. If anything talk shit online to get good at bantz and keeping your composure.

>>23454511
Refer to
>>23454415

>>23454498
It doesn’t reset anything. I had 20k+ debt fall off after years of fucking with the debt collectors constantly.

>>23454511
Yes

OP is a liar. Unless you declare bankruptcy if a creditor has documentation to show you owe money the judge will order you to pay. This will include wage garnishments, seizing accounts ect.

>>23454681

Based anon.

>>23454498
exactly this^. just ignore them. any kind of fuckery=7 year timer resets=they win. they're fucking with you to goad you into fucking with them back by paying a penny and resetting the timer. most zoomies/millennials dont understand this, or anything else, about the real world. it's why they're ngmi.

>>23454742
what if im unemployed and have nothing in my accounts...?

>>23454681
I mean it's fine if you plan to never work or buy a new car or home. Even if you open a bank account they'll take it. So for loser NEETs it's all good.

>>23454768
Then they can't do anything. If you ever start working again or get any type of inheritance they'll take their cut.

>>23454742
Regular people hire (((attorneys))) and are wagies. If you dont have someone in bed with the prosecutor and the judge (you) then that stuff doesnt get negotiated without your knowing. If you're an independent contractor you can move things around to make it look like you make squat. You can try to flex sovereignty if you want to, but that tends to get you put in a holding cell. Many judges are masons btw, i recommend listening to William Cooper's an hour of the time, very eye opening.

>>23454766
7 years is how long delinquencies stay on your credit report. It's the same thing as bankruptcy. Court orders however do not expire and when they inevitably get a judgment you'll have to pay if you make or have any money.

>>23454766
Millennials and zoomers will unironically make it when all the boomers and their gen xer lackeys are dead.

>working temp job because lol shutdown
>boomers there 'for fun'
>one boomer fucks up, passes the blame onto me
>all the boomers casting shade about staying an extra five minutes to fix the mistake even though their commute is 5 minutes and mine is 30
>gen x boss keeps adding extra tasks at the end of the day instead of the beginning

I don't even care since the job is related to the election and ends on the 31st, there's nothing these fucks can do to me. If I get a jerb with the government out in Kenfucky I'll move to a 94% white county where 45,000 a year as a single male between the ages of 18-39 puts me at almost twice the income of the average young man in that area.

The coastal cities are all rotten, but the middle of the country is potential waiting to be unlocked for anyone who plans on becoming a landlord and business chad.

>>23454815
Lol you know it costs like 300 bucks to declare Chapter 7 right? Imagine cucking yourself this bad instead of just declaring bankruptcy.

>>23454890
Fees for a lawyer definitely cost more than that, especially if you want favorable terms for the bankruptcy. Having to pay the law jew is the worst kind of cuckery, next to actual cuckery.

>>23453962
fucking based, reminds me of longmont potion castle

>>23454865
Good for you anon, i could never work a gubmint job, but you'll have a fruitful career im sure.

>>23454973
You can do it yourself or pay a flat fee of like 300-500 bucks for a bankruptcy lawyer. There is no terms under chapter 7; all of the debt is discharged. Only chapter 13 has a repayment plan.

>>23454815
take meds schizo

>>23455074
Where's your porch, I'm going to shit on it.

>>23455099
I sit on my porch every night.
It's your sisters mouth.

>>23455033
Depends on how quickly one advances. Supposedly you need a year to apply for promotion to the next level, hopefully boomers are dying off and less likely to move out to the midwest for a literal entry level job (though the number of 70 year olds who apply for jobs meant for people under 40 are quite disgustingly numerous) so optimistically I'd hope to reach almost double that in terms of salary in 5 years.

>>23455108
I knew you were a faggot, but rimjobs. Now i know youre a roodypoo and a candyass

>>23455183

>>23454742
Wrong there are protections for citizens against debt collectors you fucking nigger. They literally can’t take your car and only the irs can seize accounts.

>>23455020
This and of the totsean bad idea forums.

>>23454774
>>23454806
>>23454840
Liters wrong on all accounts. There are protections for even getting apartments. They can only garnish wages a certain amount. I had my wagies garnished before and they could only take fifty out of check of over 1500. Also I could even get an apartment because of protections for people in debt. Get fucked retard.

>>23455315
God damn it im on my phone and it’s sucks typing on this shit. T. New iPhone as well because I qualified for financing even being 20k in debt that I haven’t paid for months/years.

>>23453720
OH SAY CAN YOU SEEEEEE

>>23453901
>>23454564
Found him. Mr Luo Dong is the name.

Couple of youtube channels have him.

https://www.youtube.com/watch?v=xOQpzJC3Xjs

>>23454840
“Inevitably”
I owe a few grand and have for years, never been sued because it’s not worth their time or money.

>>23455422

This guy is basically a low key molester. Like this nigger Paul Griffin from the NYPD except the nigger likes to molest kids.

>>23454865
>The coastal cities are all rotten, but the middle of the country is potential waiting to be unlocked for anyone who plans on becoming a landlord and business chad.
This. I grew up on the East Coast and never moved back. Arkansas and Missouri are beautiful with low costs of living. I'm making 80k a year and live like a king. 3 bed, 2 bath houses are under 200k. Tons of outdoors stuff to do.

>>23455493
how is he a molester when the women consent to it? Is america that feminist that women don't have agency?

>>23453627
Master no pwobo master fix everybody pwobo 33 sky energy

>>23455493
go back to r*ddit

https://youtu.be/0uHxFjUFZfw?t=184

>>23453586
manlets, when will they learn?

>>23455315
I'm wrong, but you've had your wages garnished? No wonder you're a debt cuck.

>>23455266
Creditors can get levys on bank accounts idiot. Do you think once the fucking courts order a judgment against you in the amount you owe your money is somehow magically off limits? That's what bankruptcy is for.

https://www.bankrate.com/personal-finance/debt/fight-a-creditors-account-levy/

>>23456337
>>23456397
Lmao brainlet. They can take like 1-5% of your check. That’s literally nothing. Also they can’t seize your bank unless you owe hundreds of thousands and even then it would be hard.

>>23453149
That's taking place in Washington Square Park

>>23456397
If you have no money in your bank then how tf are they going to take it retard nigger? They can order money to magically appear. Look at the protection laws nigger, they have nothing.

If declare bankruptcy you can't leave the country right?
How do you guys deal with this fact you can't do shit for the duration of bankruptcy?
This is like the only thing stopping me from not paying back the loans.

>>23456498
Bankruptcy takes a few weeks. That’s not a long time.

>>23456498
Clear your bank account. Leave the country. Profit.

>>23453800

>>23456556
>>23456564

How are you even going to get valid visa in other countries?
Doesn't seems like a solution to me.

What about just not wanting shit I can’t afford and not owning credit cards? Op sounds pretty based and I always found that Sam Hyde video intriguing but all the people I’ve known with massive credit card debts were pretty degenerate. Would be nice to buy a shit ton of crypto and fuck the kikes bit seems too good to be true.

>>23456662
No ones saying to leave the country. Idk what that faggots talking about. Why would you file for bankruptcy then leave the country? Your debt would be annulled.

>>23456832
Well I’m paying for college with credit cards and I’ll never pay it back. Once I get my masters I’ll file for bankruptcy so the kikes can fucked.

>>23456450
First you said only the IRS can seize accounts and now it's only accounts worth 6 figures or more? You clear have no idea with regards to how this works.

>>23456484
If you have no money or plan to never make any money again then you have nothing to worry about. I've already said this. You have very bad reading comprehension.

>>23453105
God i wish that was me

>>23455756
what's your favorite video?

https://youtu.be/5i46Y6oko8k?t=1330

I have a summons to go to court over ~5 year old credit card debt worth $2k. I'm essentially a broke NEET, but I have 4k linkies in a coinbase account. Is there any way for me to tell the credit card company to fuck off or will I be forced to sell some linkies since it's tied to my bank account.

>>23453105
Wanna REALLY fuck with the jews? Badger.Finance. Read the git and wait.

>>23457040
Are the courts gonna seize his crypto? Lmfao, fuck outta here boomer. Your days are over and usurers can cry about it.

>>23457146
"Sell" your LINKIES for $0.000001/LINK to yourself, or "lose" the keys.
How will they prove you still hold them?

>>23453586
>you think you're a real wise guy, pay your bills
Hiw about, creditor made a bad investment and lost womp womp

>>23456845
So you don't want to travel and vacation after you're bankrupted? What a life.

>>23457196
If he moves it into an offline wallet they probably won't care. He'll never be able to cash any of it out though, so it's pretty retarded.

>>23457222
Then you have to pay taxes on the transaction. It's so funny watching brainlets think the legacy system hasn't thought about these edge cases long ago.

>>23453105
Please stop committing suicide white people.

>>23457287
>He'll never be able to cash any of it out though, so it's pretty retarded.
Lmao, you just can't see the writing on the wall. Only a matter of time before stablecoins are a universally accepted form of payment. No bank accounts needed to transact anymore. This isn't the fucking 90s you retarded Jewmer.

>>23457313
>taxes on "lost" keys
>taxes on $0.004 of profit
Lmfao you're fucking dumb

>>23457040
Taking fifty bucks out of a paycheck is not the same as seizing an account you dumb nigger. It’s called filing for bankruptcy when you want to start fresh. Maybe go back to plebbit faggot.

>>23457146
What state do you live in?

>>23457146
Just say you have no money and are trying to save money. Also offer them like five bucks a week and act retarded like you don’t know anything.

>>23457401
Colorado, so my debt would have expired in another couple months (6 years). Instead they're summoning me to court now fucking bastards.

>>23457254
You can travel if you’ve filed for bankruptcy. Where the fuck did you hear you can’t? Maybe not for the week or two it’s being dealt with but after it’s fine.

>>23457424
I'll do my best to channel Sam Hyde, my concern is that I'm being sued by my bank since my credit card was through them and my coinbase account is directly linked to my bank account. So presumably my bank knows I have 4k linkies.

>>23457424
Do not pay anything, do not respond to anything, ghost them and in 7 years it dissapears. There are no debtors prisons in the US. Prepaid phone, rent off Craigslist.

>>23457470
Withdraw link, withdraw money from bank, transfer cc debt from bank card to different card or ignore.

>>23457438
You could not go. I know a friend who didn’t show up in California and California just expunged it. Basically they didn’t try and arrest him or anything. Idk what the laws are in Colorado though. But yeah just act retarded and offer him low ball stuff. Like say you’re gonna try and sell some old toys on ebay, make them roll their eyes. Don’t be scared they have nothing. Also judges hate debt collectors too.

>>23457483
This was my plan and it's been 5 years. However, they sent someone to my door to hand deliver this court summons saying I have to show up in court at a specific date and time to let a judge decide if I really owe them $2k (I do). Can I ignore this summons? I don't want to go to jail for not showing proper respect to our kiked judiciary.

>>23453586

>>23457520
>I don't want to go to jail for not showing proper respect to our kiked judiciary.
That's no how it works. They'll just default judgment against you.

Your 4k linkies are safe as long as you take them out of coinbase (wtf are you thinking keeping them on exchange anyway?), nobody can take them, not even a judge.

>>23457520
Lol all of that for 2k fuck these people. You could not go I doubt they’ll do a warrant or anything. But again laws in each state are different. I’m in California and we have the best laws for protections. Colorado is a libtard state so theirs should be pretty good too.

>>23457520
>>23457570
I looked it up he’s right. Basically they’ll say that you owe them money lmao. So they’re in the same boat HAHAHAHAHAH fuck the kikes

>>23457520
You should not open the door or talk to people you don't know. Don't answer the phone. You fucked up. You have a summons and at this point you need to do some heavy research about what happens where you live if you fail to appear. Hopefully they just default judgment against you, in which case I assume the judge may allow wage garnishment but like I said, do your research or consult a lawyer.

>>23453720
sounds like you should know about VALUE desu

>>23457849
Sounds like you need a steaming hot bowl of get the fuck out

Last year I had them bugging me over a $100 dollar X-ray bill that the hospital forgot to send me from like 4 years ago. I was flat broke at the time and I basically just kept telling them to call me back after certain dates until they just left me alone.

Injective Protocol as a decentralized exchange Network enables its users to directly interact with the Injective Chain by creating and signify a compatible Tendermint transaction encoding a compatible message type which will, in turn, be broadcasted on the Injective Chain

lou dong!? He's at it again!

>>23455311
>>23455020

Based anons. This is a blessed thread

I am currently 9k in the hole myself because my cat needed heart surgery. My debt has been sold to like 5 different agencies in the past year, pretty funny

>>23458608
After your debt is sold there's no contract with the third party. However, any contact they can get with you, certifying it is you will create one through tactic consent. Getting any letters? Write RTS on it and pop it back in your mailbox. Don't answer the phone for stange numbers, and don't answer the door for strange men. You'll make it dude, i hope the fuzzball is doing alright. And glad to see another based lad

>>23458608
You have a good heart anon but never spend that type of money for a cat ever again.

>>23453149
she's got an australian tint

>>23453105
no more white woman 2020

>>23458608
> $9k on a fucking cat
The cat doesn't care about you it doesn't even care 9k about itself. Jesus priorities. At least funkopop collectors could theoretically sell them.

>>23459308
I’d rather have the anon around who loves his cat than npc funko collectors.

>>23453105
Ahhh doood these pills

>>23453859
Not if you dont pay it back you mong

40k cc debt here and they passed a default judgment on me here in CA. Pretty sure they can’t start wage garnishments til 2021 because of the wuhan flu. I don’t qualify for Chapter 7 BK because salary limits. Any anons know the best way to get out of this by paying the least amount possible?

>>23459490
Tell me about what you went through in court? Did you go or skip it also did you get a lawyer? How much do you make a year? You could negotiate that down to probably less than 5-10k

>>23459490
Oh so basically they have a ton of work to do. Since you didn’t go to court it kind of fucked then over. Just keep ignoring them.

>>23453105
brehs

>>23453105
would this work with student loans? im considering dropping my payments to like $8 after corona relief citing corona hardship and never sorting it out for the rest of my life.
Would this hurt your credit score? or not at all as long as you meet the small payments on time?

>>23453757
High iq post
>>23453800
Low iq kiked post

>>23459506
2- 20k cc’s I stopped paying on. BofA sold debt to law firm that harassed me til I told them to fuck off and ghosted them. Then got served at my doorstep. Salary is about 105k gross. Law firm that owns the debt are complete assholes and don’t want to settle on anything lower than 30k. Should I hold out for longer?

>>23459520
Thanks Anon. Will keep ignoring them. What do you think about writing to the court and saying I was never served? I’m hoping this would reverse the judgment and cause them more work and they’ll say fuck it and drop the case? Just thinking out loud

>>23453627
More like what is “her” problem
I swear women fall for the most bullshit stuff and are so materialistic to the point that they put “om” or orgasmic meditation as a legit meditation technique.
Look it up, they actually pay a dude to finger them and they call it “spiritually “

>>23458723

Thank you friend, it was worth every penny

>>23459308
>>23459381

I bought a kitten who turned out to have a rare heart defect, the vets said it wouldn't live more than a year and could have strokes or heart attacks any minute. It sucks but it was worth it. Btw it was actually much less than 9k, I just looked at the last letter I got and they want 5.5k now

>>23459600
>>23459653
Fuck no don’t pay anything less than 5-10k a cheap lawyer could get it lower than that. You make enough where they’re playing hardball but as soon as you get a lawyer is will fuck them over. Just ignore them until you can’t anymore.

>>23454393
you're literally going to be declined for all credit cards that way

>>23460216
Wrong I’m in default on at least 6 credit cards and just opened another 13k in cc’s

>>23460335
what fucking institution's are giving you these?
i personally only have an amex and a visa and i work in the industry so that is insane

>>23460349
All of them, visa, discover, MasterCard, American Express ect. The illusion is that credit is hard to get.

>>23460405
m8.... those aren't financial institutions EXCEPT amex/discover since they are banks as well; visa/mastercard are just third party network payment providers

i was asking what banks are giving you these credit cards? chase, bofa, or other small/local banks/CU'S?

>>23460421
chase and bofa just offered me 2k credit cards. Literally everything you can think of except small banks.

Thankfully looks like biz is changing. Years ago I stopped paying all my crediy cards. Wells fargo even sued and I went to court. Don't know what happened but I never payed anything back never had wages garnished either. And it's off my credit report now I didn't pay 15k back. Lol

Just stop paying guys. Your punishment. Maybe going to court and just drag it all along for a few years with a bad credit. Omg how horrible.

Glad I didn't pay shit back. And instead was stacking link. 30k link holder

Years ago biz would have called me the n word now they call me based

>>23459490
Ignore ignore and guess what ignore some more. Go to court the first time and just drag shit along. Then don't even go to court after that. Worked for me. Good luck anon you're credit will suffer for a few years that's it.

>>23453836

this guy is so pathetic holy fuck

>>23461113

and why do guys like him don't pay hookers? there are beautiful hookers that don't even have to be expensive. i fucked so hot girls for just 50-60 bucks, because they had no clue that they can ask for more.

>>23461095
>ignoring the law

>>23461054
Based.

The only problem I have with not paying is they hit your credit score hard. I can’t recycle debts with 0% Apr cards if I have a terrible score.

>>23453586

>>23461054
My gf wants to get a bus to live in. Would be hilarious to see the debtors trying to summon me if that happened. Knock on bus door, just drive off lmao. Yell kike nigger as I’m driving away.

>>23459308
>t. Nigger/sandnigger

>>23453105
TELL EM A FUCKING STORY

>>23453901
disposable thot #117534451

Nice thread. I took the nopaypill when a housing complex overcharged me on a bedframe damage. That fucked my credit score that I never used. Neither discover not paypal will give me a credit card. Even Charles Schwab closed my checking account, but then again they're pretty much a bank now. Might have to look harder.