User Controls
I've developed a new hobby
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2019-07-17 at 1:02 AM UTCI'm Collecting as much debt as possible, and then I'm going to file bankruptcy. Nothing feels better than sticking it to the corporate machine.❤
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2019-07-17 at 1:17 AM UTCIn order to file bankruptcy in Ohio you couldn’t use any credit for 3 months. That’s before even filing. I believe it’s a safety net for what you’re considering.
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2019-07-17 at 1:18 AM UTC
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2019-07-17 at 1:20 AM UTC
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2019-07-17 at 1:22 AM UTC
Originally posted by Bill Krozby but what if you use credit on prepaid cards does that count or not?
It does not.
The thing with bankruptcy too is you'll end up needing actual bills from all of these debts, and it costs like $3000 to file all said and done. You need to list all of your assets, and if you fail to list a debt/asset you could end up fucking yourself. Personally I wouldn't go through the hassle if I didn't have two rather hefty lawsuits against me. -
2019-07-17 at 1:22 AM UTCCan’t say I know the answer to that kr0z. I filed 16 yrs ago. Got my credit score back in the high 700s after all these years. If you file, it’s best to file before you are too far behind. Each month you don’t pay drops your credit big time.
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2019-07-17 at 1:24 AM UTCIf you're going to file make good and damn sure you get every little thing possible included because you can't file one type for 7 years, and I think (don't quote me on this) you can't file the other at all forever.
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2019-07-17 at 1:27 AM UTCFuck my credit score. It only matters if you want to borrow money and I DON'T want to ever again. If I can't pay for it, I don't need it.
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2019-07-17 at 1:29 AM UTCIt matters if some places if you want to rent too, and if you have shit credit and can't get a mortgage you probably don't own land or anything unless it was passed down to you.
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2019-07-17 at 1:33 AM UTC
Originally posted by Helladamnleet It matters if some places if you want to rent too, and if you have shit credit and can't get a mortgage you probably don't own land or anything unless it was passed down to you.
Yea I have heard some places want your credit score to rent, even some jobs but I think it might be against the law here. Unless they verified how much I make and aren't worried about it. -
2019-07-17 at 1:38 AM UTC
Originally posted by Erekshun Yea I have heard some places want your credit score to rent, even some jobs but I think it might be against the law here. Unless they verified how much I make and aren't worried about it.
To me that's kind of grimey, but I see it more and more. I can't rent anywhere because they either won't rent to felons, or won't rent to anyone with bad credit. Housing shouldn't be something that someone can be barred from without good reason, and if I have first, last, and security deposit I should get the keys and a lease. -
2019-07-17 at 1:41 AM UTCHave to agree.
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2019-07-17 at 1:43 AM UTC
Originally posted by Helladamnleet To me that's kind of grimey, but I see it more and more. I can't rent anywhere because they either won't rent to felons, or won't rent to anyone with bad credit. Housing shouldn't be something that someone can be barred from without good reason, and if I have first, last, and security deposit I should get the keys and a lease.
If I own something I can choose to sell or rent it to whom I choose. No person or business can be forced to sell or rent their property to another person. If you had a rental property would you willing rent it to a person who had stiffed the last 3 places they rented from? Or how about to a person that just got out of prison for selling drugs from a rental property that the DEA seized? -
2019-07-17 at 1:44 AM UTCMy credit score is way too high for my own good. It’s 831. Stop fooling around with debt products and build wealth instead.
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2019-07-17 at 1:46 AM UTC
Originally posted by Speedy Parker If I own something I can choose to sell or rent it to whom I choose. No person or business can be forced to sell or rent their property to another person. If you had a rental property would you willing rent it to a person who had stiffed the last 3 places they rented from? Or how about to a person that just got out of prison for selling drugs from a rental property that the DEA seized?
Okay, nobody is forcing you to rent to these people. You shouldn't have the right, as a private citizen, to background check me and do an inquiry against my credit. Pull a rental history. -
2019-07-17 at 1:50 AM UTC
Originally posted by Speedy Parker If I own something I can choose to sell or rent it to whom I choose. No person or business can be forced to sell or rent their property to another person. If you had a rental property would you willing rent it to a person who had stiffed the last 3 places they rented from? Or how about to a person that just got out of prison for selling drugs from a rental property that the DEA seized?
You would need to own it outright, no government backed loans because then you fall under their fair housing rules. And even then your state/county/city/locale may have rules. -
2019-07-17 at 2:34 AM UTC
Originally posted by Helladamnleet Okay, nobody is forcing you to rent to these people. You shouldn't have the right, as a private citizen, to background check me and do an inquiry against my credit. Pull a rental history.
It's not a matter of a right. It is a matter of contract law. If I rent a property I can and will make you sign a rental agreement if I decide to rent to you. I will also inform you that if you want to rent from me you must agree to a background check and credit check before I make my decision if I'm going to rent to you. At that point you have two choices. You can either agree to my conditions and sign a document stating so or you can keep looking for a place to rent. You don't have a right to rent from me. Hell you could pass all the checks and I could still decide not to rent to you because you reminded me of someone I don't like. -
2019-07-17 at 2:37 AM UTC
Originally posted by Speedy Parker It's not a matter of a right. It is a matter of contract law. If I rent a property I can and will make you sign a rental agreement if I decide to rent to you. I will also inform you that if you want to rent from me you must agree to a background check and credit check before I make my decision if I'm going to rent to you. At that point you have two choices. You can either agree to my conditions and sign a document stating so or you can keep looking for a place to rent. You don't have a right to rent from me. Hell you could pass all the checks and I could still decide not to rent to you because you reminded me of someone I don't like.
But only if you own the property outright. If you have ANY government loan (FHA etc..) then No you can't. -
2019-07-17 at 4:10 AM UTC
Originally posted by Erekshun But only if you own the property outright. If you have ANY government loan (FHA etc..) then No you can't.
That is complete BS. You just demonstrated that you have never bought, owned, or sold a piece of property. I've seen rental ads for homes that require a drug test before they will rent to you and that is legal. About the only way you can be "forced" to rent to a person is if you are slumlord who has voluntarily contracted with the government for low income housing programs such as section 8. That only negates the need for a credit check as the government pays the majority of the rent. -
2019-07-17 at 4:15 AM UTC
Originally posted by Helladamnleet To me that's kind of grimey, but I see it more and more. I can't rent anywhere because they either won't rent to felons, or won't rent to anyone with bad credit. Housing shouldn't be something that someone can be barred from without good reason, and if I have first, last, and security deposit I should get the keys and a lease.
uh, no.
Erm, like who would want some burglarizing, murderous, drug dealing, fuq'd up child molester-felon, living next to them... if they could help it?
--can i see a raise of hands?
Yup, just what i thought. A big fat ZERO hands be raising
