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Again, I know this because I know the hedge funds that are the ultimate beneficiaries (not the banks, or the credit card companies).

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Slutty tgirls in love with posing nude or masturbating and even fucking on cam.A huge collection with such insane content to provide access to the best videos online. This is all happening between three and 12 months after you stopped paying on your debt. So record the conversations and try to get them angry. They use fake names like "Dick Brockman" and they say things like "In five days we have to go to court and seize all of your assets." Again, in some states this is illegal to say. One thing you always have the right to do: Say, "Show me the proof I owe this money." Since the collection agencies got your name from a hedge fund that might have bought only part of your debt from another hedge fund, who knows where that original proof is? One card, with First Premier Bank, even had interest rates go as high as 80%. The question was this (verbatim): "Hi James, Please please help me. Answer: DON'T PAY YOUR CREDIT CARD DEBT if it is hurting the rest of your life. Then the courts just give the credit card companies your money. North Carolina and West Virginia, for whatever reason, are the worst states if you are a buyer of batches of bad credit card debt. But they might only pay 2 cents on the dollar for those. Every state has different laws on how collection agencies are allowed to talk to you.

Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation. That's where all the mansions come from while you were struggling to pay your mortgage. Or worry about killing yourself or feeding your kids. You weren't trying to be bad, but (as the banks already modeled) sometimes bad things happen to good people. I was also late on a state tax return (but not federal). Just those two things and because I have no credit cards (so no opportunities to show regular payments) my credit score fell from 780 to 580. The investors in the hedge fund make money but mostly the hedge fund manager gets enormous fees off of the money they collect. But you don't deserve to struggle with your mortgage either. In the confusion of houses and misery and despair and kids were scared and "nothing will ever be the same", we were a few days late on two mortgage payments in a row. It's "I will do X, and if I don't satisfy my responsibility, you can do Y". And this is how banks make money: the difference between that 20% (give or take) and 0%. There's about a trillion dollars in credit card debt out there. They have 100 Ph Ds who have already modeled out how many people will default. Why would a hedge fund buy your debt once you start to default? They outsource to either collection agencies or law firms in your local area to collect from you. Now the banks have to do their end of the contract. (but I'll get to that in a second...) By the way, the banks don't even care. They buy your debt for three cents on the dollar and they might, on average, collect eight cents on the dollar. In 1994, collection agencies would call me and I would get scared. Others cannot imagine such a scenario, and find it hard to masturbate during a tease and denial phone sex call for more than 10 or 20 minutes without having an orgasm.