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Sounds like you girls need to set the hubbies down and have a heart to heart

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erb1953



Joined: 31 Dec 2007
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Posts: 547



-100 Magic Points

 
Posted on Sat Sep 27, 2008 11:13 pm  

Sounds like you girls need to set the hubbies down and have a heart to heart. Just tell them no more spending until you get some stuff paid off.
fireyone



Joined: 26 Feb 2008
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123 Magic Points

 
Posted on Sun Sep 28, 2008 4:25 pm  

Mine just doesn't get the whole big picture. He sees it as as soon as I get the settlement all those huge debts will be paid so we aren't as bad off as I make it out to be. He feels that I should go to the head shrink that my pain clinic doctors are suggesting because I am letting everything work on me too much and it makes everything else seem worse. Well I don't see it this way. In my screwed up head Discover and Lowes are huge monsters that follow me to bed night after night. I think my worries are valid.
goodnatured



Joined: 03 Nov 2007
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450 Magic Points

 
Posted on Mon Sep 29, 2008 3:00 am  

I think so too, you can not assume that you will get a big settlement, I was in an accident and only walked away with $8000, that is not crap, it will all depend on how much money the other persons insurance is willing to pay. I hope you get enough to pay off everything.
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fireyone



Joined: 26 Feb 2008
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123 Magic Points

 
Posted on Tue Sep 30, 2008 12:49 pm  

Yep Thats what I keep telling him. And even with the amount you got that would not even pay off both those bills in full. Sometimes this whole wait and see thing makes me nuts. It is not like I want a big spending spree I just want to pay off these debts because the monthly payments are high and gonna run out on the 0% interest really soon. I wish he would be just a little more logical and quit living in dreamland. So waht if its a lim its case..the lim its in PA could be as low as $15000.
goodnatured



Joined: 03 Nov 2007
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450 Magic Points

 
Posted on Wed Oct 08, 2008 3:09 am  

yeah you never know, my aunt has been doctoring for over two years now, she can not have surgery on the injury because her heart will not take it. They called her last week and offered her $7500, unbelievable.
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fireyone



Joined: 26 Feb 2008
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123 Magic Points

 
Posted on Wed Oct 08, 2008 10:08 pm  

I really think that is bull crap. Does your aunt have an atty? Sometimes they say to settle things on your own but evrytime I hear of people trying to do that it isn't a good turn out because they feel they can mess with you for an eternity before making a reasonable offer.
What happened to your aunt?
goodnatured



Joined: 03 Nov 2007
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450 Magic Points

 
Posted on Fri Oct 24, 2008 2:21 am  

She was sitting still and a car came flying up and smashing into the rear of her vehicle, her grandson was in with her, he got i THINK $4500 and it was ordered into the bank until her is 21, I guess it is the law for.
_________________
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fireyone



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123 Magic Points

 
Posted on Sun Oct 26, 2008 12:30 am  

Yep that is the law now. I believe that it is really fair. I think of the time my hubby got an accident settlement when he was 15 and his mom took him to open an account with the few thousand he had left after he bought himself a dirt bike. It was suppose to be saved for a car. Well shortly after he bought the bike he came home from school and his mother had sold it to "keep the electricity on". A few months later he turned sixteen got his license but never got the car...she also drained his bank account...to go to Florida...with out him...
goodnatured



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450 Magic Points

 
Posted on Mon Oct 27, 2008 2:26 am  

That is a shame, unfortunately, this happens all the time.
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sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1916 Magic Points

Subject: debt
 
Posted on Mon Oct 27, 2008 3:16 pm  

Parents 'mishandle' their kid's money alot. It shouldn't happen this way, but..it does. I'm sorry to hear this, too. This is your CHILD'S money, not yours.
fireyone



Joined: 26 Feb 2008
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123 Magic Points

 
Posted on Mon Oct 27, 2008 10:39 pm  

Thats how I feel about it also. They could use it to help pay for a trade school or college, to buy a vehicle or down payment on a home...why take what ir rightfully theirs. We may feel this way but I know there are a lot m ore out there that probaly don't think of the children first.
sdchargers_63

sdchargers_63

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1916 Magic Points

Subject: debt
 
Posted on Tue Oct 28, 2008 4:44 pm  

No..right now I can't afford the 'offer' and they won't take payments, either. Soo.................do I just 'don't worry about it'? If PDL's are illegal, how can CA's do this in the first place. This PDL was via the web.
fireyone



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123 Magic Points

 
Posted on Fri Oct 31, 2008 12:21 am  

I asked this at one time and I think the answer I got was that it was still like a loan. Iwasn't really satisfied with that answer. I think if they are illegal,which they are in PA, they shouldn't be allowed to collect. It would serve them right and it could be a good form of punishment for them...Of course the state would problay want to fine them so they can collect the money and profit from the disadvantage instead of the actual victim.
Guest







 
Posted on Fri Oct 31, 2008 11:33 am  

I think that both the pay day loan lenders and people like us who take the loan are guilty. If it is illegal, neither we should opt for the loan, not they should offer such type of loans to us. Now, it is illegal and both the creditor and the debtor has done the illegal thing. Creditor are fined by the government for doing illegal business and so they have the full right to get back the money they have already lent, because for illegal lending they have paid the fine money to the government. However, after collecting the money they cannot continue in PDL business. Most PDL lenders sell off the loans to the CA who collects the outstanding debt.
goodnatured



Joined: 03 Nov 2007
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450 Magic Points

 
Posted on Sat Nov 01, 2008 3:00 am  

True, they will sell it off and then you have the annoying collector to deal with. So if you borrowed it, at least pay back what you owe, what you borrowed anyway.
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