[Roccland]

$this->bbcode_second_pass_quote('Ludi', '')$this->bbcode_second_pass_quote('Roccland', 'Y')ou will be sad in the future Ludi.

[Cashmere]

Would anybody else pay 20 bucks to see how horrible Roc's credit score is?

I mean, the kind of venom toward FICO and 30 year mortgages we see in his posts is a special kind of venom.

Like a serial killer's venom toward short brunettes because his mother was a short brunette who walked out when he was 8, leaving him with his abusive step father.

I mean Roc doesn't hate FICO, Roc loathes FICO more than Durshawitz loathes Nazi paraphernalia. Roc day dreams about taking FICO out back and blasting it with a 12 gauge shotgun, repeatedly. Roc wants FICO gone like Michael Moore wants Bush gone.

So what was it?

Can you imagine the interview at the bank?

$this->bbcode_second_pass_quote('Loan Officer', 'L')oan Officer: And so, Mr. . . . Mr. "Roccland", is it? So you say you want this loan to, em, uh hem, um, build a "bunker", is that correct? And the bunker is to protect you from . . . Mr. Roccland . . . what's that? OK, if you insist. Um, "Roc", um, so this bunker is to protect you from, um, "Zombie Hordes" Mr. Ro. . . , um Roc? Is that right? Mr. um, Roc, you know, we typically prefer FICO scores over 600 for, you know, for securing construction costs on Bunkers.

[Roccland]

$this->bbcode_second_pass_quote('Cashmere', 'W')ould anybody else pay 20 bucks to see how horrible Roc's credit score is?

the SWAT team to stay back or he'll blow the FICO out of them?

[smallpoxgirl]

$this->bbcode_second_pass_quote('ReverseEngineer', 'I') would be astounded if anyone could use a Credit Card tomorrow to buy stuff. That would be a real lag time in the system. Debit Cards maybe work a couple of days here on the ATMs. If your Credit Card DOES work tomorrow, MAX IT OUT. Its all funny money anyhow.

[Cashmere]

$this->bbcode_second_pass_quote('Roccland', '')$this->bbcode_second_pass_quote('Cashmere', 'W')ould anybody else pay 20 bucks to see how horrible Roc's credit score is?

the SWAT team to stay back or he'll blow the FICO out of them?

[Roccland]

$this->bbcode_second_pass_quote('Cashmere', '')$this->bbcode_second_pass_quote('Roccland', '')$this->bbcode_second_pass_quote('Cashmere', 'W')ould anybody else pay 20 bucks to see how horrible Roc's credit score is?

the SWAT team to stay back or he'll blow the FICO out of them?

[beamofthewave]

I am going to continue paying on my credit cards and my mortgage as long as I have a job. That is where I am at, though the way some of these companies operate astound me. I called Qwest to get rid of some service so I could have a lower bill, they told me I could have the same service if I gave a 100 for a fee. I did and after 3 mos they raised my bill again so again I called them and they told me if I cancel I have to pay 200 in penalty. Can they do that? I signed nothing with any penalty notice if I quit early. They told me by paying my bill I agreed to this. Can they do that? They are now agreeing to provide 6 more mos of internet service and phone service at the lower price but the threat of 200 in penalty for early disconnect without me agreeing to that still annoys me.

[Ferretlover]

Yes, they Can do that.
However, you might find it interesting that, sometime around the beginning of this year (I think), Sprint dumped over a thousand customers because they were calling and complaining too much about the service. (We got stuck paying a $147 penalty fee to get away from their horrible service-didn't complain enough!). The dumped customers were not forced to pay any penalty fees.
If you have nothing else to do, you might check and see what would make your company dump you!

edited to fix typo.

[Ludi]

$this->bbcode_second_pass_quote('Roccland', 'Y')ou will not have a choice. Do you really think you are going to be afforded THIRY YEARS to pay back your mortgage?

[Ludi]

Rocc has been giving us this advice for a couple of years now. I would like to know if anyone here has taken Rocc's advice and defaulted on their debts.

Has anyone here defaulted on their debts?
What has been your experience so far?
Do you think it was a good idea?

I just want to know the track record on this advice.
Thanks.

[Ludi]

$this->bbcode_second_pass_quote('smallpoxgirl', 'W')ow. You're really freaking out.

[Eppo]

$this->bbcode_second_pass_quote('beamofthewave', 'I') am going to continue paying on my credit cards and my mortgage as long as I have a job. That is where I am at, though the way some of these companies operate astound me. I called Qwest to get rid of some service so I could have a lower bill, they told me I could have the same service if I gave a 100 for a fee. I did and after 3 mos they raised my bill again so again I called them and they told me if I cancel I have to pay 200 in penalty. Can they do that? I signed nothing with any penalty notice if I quit early. They told me by paying my bill I agreed to this. Can they do that? They are now agreeing to provide 6 more mos of internet service and phone service at the lower price but the threat of 200 in penalty for early disconnect without me agreeing to that still annoys me.

[smallpoxgirl]

$this->bbcode_second_pass_quote('Ludi', 'H')as anyone here defaulted on their debts?
What has been your experience so far?
Do you think it was a good idea? I just want to know the track record on this advice.

[Ludi]

$this->bbcode_second_pass_quote('smallpoxgirl', ' ')You wouldn't want to do it if you have much in the way of assets.

[Lumpy]

Wow, it seems like a long time ago ... but I think it was maybe only about 6 months. Anyway, I posted somewhere on these boards that my husband and I were in disagreement about debt.

It was my position to use credit lines to buy everything we could think of that we might need for the long run ... seeds, long-term storage food, etc.

His position was "get out of debt".

Well, in the interim we ended up getting somewhat further into debt in order to get all the materials we needed to finish up the major projects around here -- converting the huge garage to a barn/shop with stalls and a loft, building a corral, etc.

Anyway, more than ever I now think I was and am right ... at least for us. Credit lines available today may be gone in the not too distant future. No, I don't think it's going to be tomorrow or over the weekend ... but within a few months is possible.

I want to use that money while it's still available to us to get us more ready for when it isn't. The point being I expect to stay employed -- and we will use my income to pay back debt, without needing much income to actually live on at that point -- growing our own meat, veggies and fruit as we increasingly are doing.

Anyway, just one way of looking at it.

Lumpy

[Ludi]

But you haven't defaulted on those debts, have you, Lumpy?

[Pops]

$this->bbcode_second_pass_quote('Roccland', 'A')ctually I make well over 6 figs (in the energy field)...and have a very high FICO.

I speak for the people cash...really bro...you should try it sometime.

[vision-master]

$this->bbcode_second_pass_quote('Pops', '')$this->bbcode_second_pass_quote('Roccland', 'A')ctually I make well over 6 figs (in the energy field)...and have a very high FICO.

I speak for the people cash...really bro...you should try it sometime.

[Ludi]

$this->bbcode_second_pass_quote('vision-master', '
')Heck, I don't want to end up in a FEMA camp.

[Ludi]

$this->bbcode_second_pass_quote('cbxer55', ' ')I signed my name to the deal, I will complete it to the best of my ability.