Was Cutting the Cord, Getting rid of the monkey

[James Mcintosh]

In my case, all except two credit cards have been cancelled, with no outstanding debt on them.
 
In the two remaining cards, my credit limits have been set to zero.
 
Paying a debt with a cheque when you know that you have insufficient funds is a crime, and paying a debt with a credit card with a credit limit of zero is impossible.
 
Were you joking?
 
James E. McIntosh
jamesemcintosh-/E1597aS9LQAvxtiuMwx3w at public.gmane.org  

________________________________
 From: Tim Tisdall <tisdall-DXT9u3ndKiSh7up9GtFB90EOCMrvLtNR at public.gmane.org>
To: tlug-lxSQFCZeNF4 at public.gmane.org 
Sent: Wednesday, April 24, 2013 9:34:05 AM
Subject: Re: [TLUG]: Was Cutting the Cord, Getting rid of the monkey
  


It costs $3k to declare that you have no money?  Will they take a credit card or cheque?



On Tue, Apr 23, 2013 at 7:25 PM, James Mcintosh <jamesemcintosh-/E1597aS9LQAvxtiuMwx3w at public.gmane.org> wrote:

I talked to a local company. 
> 
>Declaring bankruptcy costs nearly $3,000.
> 
>James E. McIntosh
>jamesemcintosh-/E1597aS9LQAvxtiuMwx3w at public.gmane.org 
>
> From: Dave Cramer <davecramer-Re5JQEeQqe8AvxtiuMwx3w at public.gmane.org>
>To: tlug-lxSQFCZeNF4 at public.gmane.org 
>Sent: Monday, April 22, 2013 5:32:25 PM
>Subject: Re: [TLUG]: Was Cutting the Cord, Getting rid of the monkey
> 
>
>
>Hmmm, I'm not sure they did anything wrong at this point, I just think it's an unreasonable stance on their part. They can have everything he owes them right now, or nothing. Seems to be a no brainer to me, but what do I know.
>
>
>On a related note, I heard that someone in a similar situation went into CIBC, they owed 10k on a visa, offered the bank 2500 and the bank took it. 
>They also are on the verge of bankruptcy. However they will have an R9 credit rating which is treated exactly the same as a bankruptcy  
>so I question why bother paying them anything, just declare bankruptcy
>
>
>Dave Cramer 
>
>
>On Mon, Apr 22, 2013 at 5:24 PM, Bob Jonkman <bjonkman-w5ExpX8uLjYAvxtiuMwx3w at public.gmane.org> wrote:
>
>Here's something I got from this list a while ago.  I don't recall who
>>originally posted it, but thank you! It's proved helpful for a friend
>>who had some billing trouble himself.
>>
>>>    If your provider is screwing you over, I suggest contacting the CCTS.
>>>    Though my provider swore up-and-down there was no way I could get a
>>>    refund, a short while after filing an official complaint they refunded
>>>    the extra month's charge:
>>>
>>>    https://www.ccts-cprst.ca/en/complaints/complaint-form
>>
>>--Bob.
>>
>>
>>
>>
>>
>>On 13-04-22 05:17 PM, Dave Cramer wrote:
>>> My son has a formidable bill with bell due to youthful stupidity.
>>>
>>> I spoke to bell and said they have three choices
>>>
>>> 1) he declares bankruptcy and they get 0
>>> 2) he does a consumer debt proposal and they get 50%
>>> 3) we negotiate where he pays what he owes them and they cancel the contract
>>>
>>> He owes around 2k, his cancellation fees are 2k (yes he has 4 phones, don't
>>> ask)
>>>
>>> First off you can't find one person that can deal with this, you have to
>>> talk to A/R for negotiating payment, then retention to discuss cancellation.
>>>
>>> In the end they won't discuss it at all. Any constructive advice would be
>>> helpful
>>>
>>> Dave Cramer
>>>
>>>
>>> On Mon, Apr 22, 2013 at 5:09 PM, Lennart Sorensen <
>>> lsorense at csclub.uwaterloo.ca> wrote:
>>>
>>>> On Mon, Apr 22, 2013 at 05:00:16PM -0400, James Knott wrote:
>>>>> Twice.  ;-)
>>>>>
>>>>> BTW, way out in Whitby, near where my outlaws used to live there was
>>>>> an intersection at Michael and Michael.
>>>>
>>>> The best one I know, is Weber and King in Waterloo/Kithener.  Weber starts
>>>> and ends and king street, and cross it in the middle.  So there are 3
>>>> intersections of those two streets in about 14km.
>>>>
>>>> --
>>>> Len Sorensen
>>>> --
>>>> The Toronto Linux Users Group.      Meetings: http://gtalug.org/
>>>> TLUG requests: Linux topics, No HTML, wrap text below 80 columns
>>>> How to UNSUBSCRIBE: http://gtalug.org/wiki/Mailing_lists
>>>>
>>>
>>
>>
>
>
>   
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