I am debt free and have a credit score in the mid 700’s. Nowhere did I ever say this is the way I or any family member did things. This post was a what if scenario.
Millions of Americans have been put into this situation due to job loss or company closure and they are being hounded by credit bureaus that fail to do what is right.
If they fail to furnish proof of the ownership for the debt they claim ownership of, it is their fault and the court will refuse to enter any judgment which is the first step towards a lean and garnishment.
To me, hounding an honest person who had every intention of honoring their debt when times were good and then lost their income...well hounding them and harassing any references the debtor may have used is just adding insult to injury.
I am debt free. I had a severe heart attack at 45 years of age and a second 5 years later. I now suffer from congestive heart failure and the doc said I had around 2 years to live, a year and a half ago. I retired in 1994 due to a heart attack which left me 100% disabled.
In numerous places in this thread I have said it’s great to pay the card off if you can. It’s good to make a payment schedule and stick to it.
The thread slowly drifted into an “I SAID” gotcha which is nonsense by the holier than thou crowd.
Pay your bills if you can.
That should have said lien not lean...lol