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Taylor doubted that her client could relate to someone who had grown up black and poor in the South Bronx. A month prior, faced with about ,000 in unpaid tuition and overdue bills, Taylor and her roommate typed "tuition," "debt," and "money for school" into Google. Intrigued by the promise of what the site billed as a "college tuition sugar daddy," Taylor created a "sugar baby" profile and eventually connected with the man from Greenwich.

While he summered on Martha's Vineyard, she'd likely pass another July and August working retail in Times Square. ("Taylor" is the pseudonym she uses with men she meets online.

That is fine by me; if you don't want to pay, I will not ask you to pay. The SA forums, however, are a thriving community full of what I feel to be the funniest crowd on the Internet, moderated by some of the best mods to ever squirt out of somebody's womb.

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Credit card debt is NOT the same as friendship debt. A bank is usually a trillion dollar institution that charges you fees, interest payments, has lots of fine print, and makes you sign lots of contracts. The bank says, “we will lend you up to $X, and you will pay us back all the money plus interest, plus penalties. A) If you default on even one of your credit cards, the interest rates on other cards you own might go up. B) You usually get low rates for the first six months, and then much higher rates, and if you miss a payment, your interest rates might be as high as 20% or more. This post is in response to a question I got a few weeks ago. I’m really depressed and I think my wife is going to leave me and I have to put food on the table for three kids. If you borrowed 00 on your credit card, the bank will sell it to a hedge fund for . So now the hedge funds have made 100% on their investment. They look at the ages of the borrowers (younger age means they will pay less money), they look at the age of the debt (older means they will pay less money for the debt), and yes they look at race and gender and what state you live in.

NEW YORK -- On a Sunday morning in late May, Taylor left her Harlem apartment and boarded a train for Greenwich, Conn.

There are several varieties of simulation games so try them out.She planned on spending the day with a man she had met online, but not in person.Taylor, a 22-year-old student at Hunter College, had confided in her roommate about the trip and they agreed to swap text messages during the day to make sure she was safe. This is all happening between three and 12 months after you stopped paying on your debt. So record the conversations and try to get them angry. They use fake names like “Dick Brockman” and they say things like “In five days we have to go to court and seize all of your assets.” Again, in some states this is illegal to say. One thing you always have the right to do: Say, “Show me the proof I owe this money.” Since the collection agencies got your name from a hedge fund that might have bought only part of your debt from another hedge fund, who knows where that original proof is? One card, with First Premier Bank, even had interest rates go as high as 80%. The question was this (verbatim): “Hi James, Please please help me. Answer: DON’T PAY YOUR CREDIT CARD DEBT if it is hurting the rest of your life. Then the courts just give the credit card companies your money. North Carolina and West Virginia, for whatever reason, are the worst states if you are a buyer of batches of bad credit card debt. But they might only pay 2 cents on the dollar for those.




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