Fighting debt collectors for the rest of us

[hunter]

23. I'm friendly with debt collectors. It's the worst job in the world.

Most of them would rather be doing anything else. They are only calling because they haven't found a better job yet.

The few psychopaths who actually enjoy debt collection can't get under my skin, and that seems to hurt them. I like that.

The biggest problem in the U.S.A. is medical debt and student loans, problems that don't exist in truly civilized nations. The U.S.A. is not a civilized nation.

Our family's journey into uncreditworthiness began with the expiration of an aptly named COBRA health plan and descent into uninsurability. By mere good fortune and perseverance, and acceptance to our state's high risk "insurance" pool, my wife got the medicine she needed, but not without bills we could not pay. Then I appeared in the ER with my own health crap and showed them my VISA card...

Advice: Don't bring your wallet or purse to a U.S.A. Hospital Emergency Room.

I don't have a VISA credit card anymore, just a glorified debit card. If the money is not there, the card is declined. The last time I tried to rent a car I was declined.

I don't give fuck all about credit ratings any more, so I figure I'll end up as a crazy dumpster diving street person without a phone number or forwarding address. But I'm okay with that. Been there, done that in my youth, and I can do it again. I'll simply hurt more than I used to, but THIS day I live, perhaps better than those with good credit rating who think they are well prepared for whatever the future may bring.