lady alone
Junior Member
Mr Knight
Number One, whether we agree with Mr Knight or not, he does have some valid points. When credit cards changed from an elite club to serving the masses, most of us bought into them. The economy was better, jobs more secure, employee health plans at their zenith....and we were probably alot younger and less astute about the real meaning of that contractual language written in tiny print.
In my own life, I did suffer some significant financial turn-around. I was too proud to admit it, too proud to call and say that I couldn't pay my bills at this time, and made dreadful financial errors. By the time things went to collection, I was in no position to negotiate. By the same token, the collections tactics were not at all as Mr Knight described and the collectors were unrelenting. Their tactics were just as wrong as mine. I was a debtor, but they were not all-powerful, and I did have legal redress-- not to make my debt go away, but to dealt with fairly and according to the law.
I did "win" back my spouses improperly garnished wages, and I did file a bar complaint against a certain attorney for his tactics. The judge was fair and acted in accordance with the prevailing laws of the Commonwealth. He also sanctioned the local attorney and the clerk's office----- for not playing by the rules.
Although i didn't have to, I paid the remainder of my husband's debt to the original creditor, and they returned it.....so not all corporate entitities are corporate slime. They were wrong, they allowed their agent to act improperly, and they made it right.
And Mr Knight does not receive free health care from the VA unless he has a disability rating. He pays for his care, medicine, treatment, etc., based on his income now. That is a common misconception about veteran's benefits.
He is right, although his message is delivered incorrectly, about responsibility. I wish I would have remembered that five years ago and not avoided my responsibilities.
Number One, whether we agree with Mr Knight or not, he does have some valid points. When credit cards changed from an elite club to serving the masses, most of us bought into them. The economy was better, jobs more secure, employee health plans at their zenith....and we were probably alot younger and less astute about the real meaning of that contractual language written in tiny print.
In my own life, I did suffer some significant financial turn-around. I was too proud to admit it, too proud to call and say that I couldn't pay my bills at this time, and made dreadful financial errors. By the time things went to collection, I was in no position to negotiate. By the same token, the collections tactics were not at all as Mr Knight described and the collectors were unrelenting. Their tactics were just as wrong as mine. I was a debtor, but they were not all-powerful, and I did have legal redress-- not to make my debt go away, but to dealt with fairly and according to the law.
I did "win" back my spouses improperly garnished wages, and I did file a bar complaint against a certain attorney for his tactics. The judge was fair and acted in accordance with the prevailing laws of the Commonwealth. He also sanctioned the local attorney and the clerk's office----- for not playing by the rules.
Although i didn't have to, I paid the remainder of my husband's debt to the original creditor, and they returned it.....so not all corporate entitities are corporate slime. They were wrong, they allowed their agent to act improperly, and they made it right.
And Mr Knight does not receive free health care from the VA unless he has a disability rating. He pays for his care, medicine, treatment, etc., based on his income now. That is a common misconception about veteran's benefits.
He is right, although his message is delivered incorrectly, about responsibility. I wish I would have remembered that five years ago and not avoided my responsibilities.
