lol thanks
Yeah, I'll never forget the conversation I had with one of my creditors, the conversation that convinced me to go balls-out and to fuck them; this credit card company had put me onto a
somewhat more reasonable, more manageable payment plan, but I needed to reschedule the payment as there wouldn't have been enough money in my account until later that week.
Rescheduling the payment wasn't possible, according to the guy I spoke to, and he suggested that I borrow the money from a friend or relative or that I find some way to get the money into my account because if I missed this payment then I would be taken off of the plan they put me on and they would go ahead and charge me with all of the interest and back-interest and my monthly payments would go back to what they were before.
He told me, in no uncertain terms, that this was my last chance, the last sort of payment plan/arrangement they would make with me and that I could never be put back onto that plan ever again. I thought that it was pretty ridiculous, and I decided right then --
and told him -- that if their policies were so rigid, then I would simply declare bankruptcy and they wouldn't get any more money from me at all, and that's exactly what I did.
I quit paying any and all of my credit card bills. I would get the phone calls, and the letters, and then I finally began to receive the more-serious, certified letters from each credit card company's legal team, actual law offices, explaining that if I could not come up with the money either in full, payed in just a month's time, or in two payments payed in two months time, then they would go ahead and, well,
sue me for not only the amount of the debt but also for legal expenses and such.
That's when I put the money down on a lawyer and stopped them all dead in their tracks. They couldn't call me, send me letters, file any lawsuits, or pursue me or the debt in any way whatsoever -- not by pony express, smoke signal, nothing. It was such a good feeling -- and an even better feeling was getting high on the way to my lawyer's office, on the way back from meeting with my lawyer, all day every day, and not spending any of that money on my credit card bills. I'm sure that you can well imagine how we celebrated the day my debt was discharged and I won my bankruptcy.