oneeightyone Posted July 1, 2004 Share Posted July 1, 2004 Let me see, mr. 181 is at a fucking shitbreak wall like a motherfucker. Ive got financial woes and im fucking desperate to pawn all my shit to get some loot, or go and rob someone. Here it goes. I got 690 in my paycheck the other day, i overcharged on my debit card by 20, thus resulting in a 30 dollar fine at the bank, because there was no money that 30 got charged double and then i got hit with a 90 dollar fine for insufficient funds. all in all because of 20 fucking bucks i owed the bank 536 bucks. leaving me with 154...heres the issue, I have a 209 dollar insurance bill and a 175 dollar car payment, plus a 65 dollar phone bill and a 90 dollar credit card bill, see where the problem is....now i am at a loss of what to do, should i call and see if they would accept a late payment, even though that would be a scratch on my credit report? Im thinking of pawning my guitar and my amp and a grip of dvd's. even my fucking new printer. argg, i cant ask for money from my parents or family since they are all in a tight predicament at the moment. what exactly can i do? have any of you ever not payed your bills for lets say 2 weeks?. what happened? let me know, im all stressed. Link to comment Share on other sites More sharing options...
DR+DELUSION Posted July 1, 2004 Share Posted July 1, 2004 bet ya won't overcharge again, huh? Link to comment Share on other sites More sharing options...
KillWhitey Posted July 1, 2004 Share Posted July 1, 2004 check n go those stores that borrow money to anyone as long as you have a drivers license. youll find them on street corners in inner cities Link to comment Share on other sites More sharing options...
destroya Posted July 1, 2004 Share Posted July 1, 2004 http://www.rnw.nl/society/assets/images/crack.jpg'> sell it. Link to comment Share on other sites More sharing options...
23578 Posted July 1, 2004 Share Posted July 1, 2004 pay your credit card. they will charge you way more for being late. the car insurance, will fine you second most, followed by the phone company, then i think the car payment will let it slide. pay insurance next when you have the money, the car payment, and finally the phone bill. you could let your credit card slide and call back and whine they drop the fee, but that always backfires because you end up forgetting to pay it on down the line and will have to pay it then. of course all this could be wrong depending on the terms of the agreements. Link to comment Share on other sites More sharing options...
nomadawhat Posted July 1, 2004 Share Posted July 1, 2004 hmm... thats not that bad. i've done this type of shit too many times. make your car payment. late payments for utilities and insurance will not go on your credit report... you will get hella notices and then yet more noticies from collection agencies before it goes to your credit report. bank loans will report late payments. call the companies and tell them your can't pay the full amount and they are usually happy to set up some type of payment schedule. also try to call your bank and bitch at them... sometimes they may cut you a break and drop a fine or two. and then ask them for overdrawl protection for the next time this happens, because it probably will at some point. Link to comment Share on other sites More sharing options...
freeze Posted July 1, 2004 Share Posted July 1, 2004 i'd say hit you insurance up first...just in case you need it. that would suck if you tried to let that slide, get hit by a car, and then they try to let treatment slide. honestly though, late payments are no worries as long as you don't make it a habbit and make sure they know you're in a bind and willing to pay. Link to comment Share on other sites More sharing options...
23578 Posted July 1, 2004 Share Posted July 1, 2004 yeah that's true, but no matter what (ha ha) he's not got the money for the car payment. you should pay the car payment soon, and all the other bills with the next paycheck, and go broke and hungry to do it. i thought they don't report it till the second missed payment? anyway use your credit card to pay your bills and pay your credit card minimum if you are worried. Link to comment Share on other sites More sharing options...
Kr430n5_666 Posted July 1, 2004 Share Posted July 1, 2004 http://www.kak.ru/images/archive/15/ierogliph/people18.jpg'> Link to comment Share on other sites More sharing options...
Nutonce Posted July 1, 2004 Share Posted July 1, 2004 You better get some degrees under your belt unless you want a jail sentence you cant handle for taking the illegal route. Have fun. Link to comment Share on other sites More sharing options...
WrIot Posted July 1, 2004 Share Posted July 1, 2004 I HAVNT HAD $20 IN A YEAR AND A HALF!!!:o Link to comment Share on other sites More sharing options...
Dick Quickwood Posted July 1, 2004 Share Posted July 1, 2004 http://www.giantrats.com/cliques/photos/hippy.jpg'> Woe, dude! Link to comment Share on other sites More sharing options...
T=E=A=S=E Posted July 1, 2004 Share Posted July 1, 2004 do you have any good friends you good borrow from or are they all broke? that bank shit is no joke man, dont let it happen again. learn your first time around. my homie gets fucked by that shit all the time and he wastes so much money by over drawing his account. dont be a sucker like he is. Link to comment Share on other sites More sharing options...
!@#$% Posted July 1, 2004 Share Posted July 1, 2004 being late will not fuck you up permanently pay the big bills first the phone company usually will let two months go before they cut you off, same ass electric&gas the credit report will get most fucked up by the credit card and the car shit the credit card will likely cost the most if you are late. i have defnitely missed at least one credit card payment, never missed car insurance. i know my credit must still be decent though because i get offers in the mail constantly (i stopped fucking up and being late on payments about 2 years ago, although i missed a phone bill a couple months ago) if you are really stressed, pawn some stuff..you can always buy it again or get it out of pawn later when you have dough. they will fuck with you, but remember, first and foremost, they want their money. unlike your bank, they sometimes can be dialed up and reasoned with. i called my credit card company once and basically cried until they said they wouldn't fine me for missing a payment. you know anyone who will let you.. say, be a bouncer or something for some extra cash for a couple days? Link to comment Share on other sites More sharing options...
oneeightyone Posted July 1, 2004 Author Share Posted July 1, 2004 yea, im gonna let my phone bill slide this time, im gonna talk to the car payment place, since it's not a big time dealy, more of a local area person that sells cars ill talk to him about it, the insurance will need to get paid and the credit card will also, so in all i need to get about 2 to 300 bucks....where will i get this...i thought about it for a while and went to get my batch of cigars in my closet, when blam...i noticed all my baseball cards.. i dont know if anybody read my post a few months back about them.. well i have lots of copies of pretty pricy ones, so i might sell one or two and be straight. on another note, i just went to get my emmisions done and cant get them done since there's an exhaust leak, 200 to fix it....and my plates expired today....hmmm, all i need is something else to happen to make this week wonderfully shitty. thanks for your recommendations. Link to comment Share on other sites More sharing options...
Dick Quickwood Posted July 1, 2004 Share Posted July 1, 2004 borrow money from a loan shark Link to comment Share on other sites More sharing options...
Jimmy Jump Posted July 1, 2004 Share Posted July 1, 2004 try talking to a bank supervisor about the fines. if its your first time overcharging they might lift the fees or atleast drop the 90 and the second 30 fee. as far as the car insurance payment goes, again if its your first time being late, wait till your next check to pay it. 207 sounds like a monthly payment and if so they most likely required you to put a deposit down which will cover this upcoming month. when you get the money to pay, deliver it in person if you can and say some shit like it fell between the car seats or something and most likely, if the agent isnt an asshole, theyll take it in with no penalty.. Link to comment Share on other sites More sharing options...
T=E=A=S=E Posted July 1, 2004 Share Posted July 1, 2004 Originally posted by ARCEL borrow money from a loan shark :lol: Link to comment Share on other sites More sharing options...
Evoke_Me Posted July 1, 2004 Share Posted July 1, 2004 sorry to here that Link to comment Share on other sites More sharing options...
Milton Posted July 1, 2004 Share Posted July 1, 2004 If you've never had a late credit card bill in the past, do this... Throw your statement away... Then call in about 3 weeks or whenever you get the money and say "I haven't recived my stament this month are you sure one got sent out." They will say "oh, okay well send you a new one and when you pay it call back and we'll remove the late payment charge...' Badabing, Milton, Hood expert... Link to comment Share on other sites More sharing options...
Kr430n5_666 Posted July 2, 2004 Share Posted July 2, 2004 http://www.kak.ru/images/archive/15/ierogliph/people24.jpg'> Link to comment Share on other sites More sharing options...
panic Posted July 2, 2004 Share Posted July 2, 2004 noooo.. Link to comment Share on other sites More sharing options...
fuck muni Posted July 2, 2004 Share Posted July 2, 2004 TAHTS TO BAD MAN I GOT 1800 IN ONE ACCOUNT 550 IN ANOTHER ACCOUNT JUST FOR PAYING BILLS AND PARKING TICKETS I GOT A RIDE WORTH 3000 THAT IM SELLIN SOON I GOT 2 G'S IN MY HOUSE FOR SPENDING MONEY AND IM ABOUT TO MAKE 5 GRAND IN TOKYO WORKING AS A ENGLISH TEACHER FOR 100/200 HR GOOD LUCK TA YA...I SUGGEST YOU GO JACK SOME SHIT Link to comment Share on other sites More sharing options...
Dick Quickwood Posted July 2, 2004 Share Posted July 2, 2004 2 g's, son Link to comment Share on other sites More sharing options...
SukiSukiNow Posted July 2, 2004 Share Posted July 2, 2004 fuck bank charges go and have someone cash your check and pay your bills call the customer service and pretend like you're going to cry (it's worked for me many times) and have the charges taken off Link to comment Share on other sites More sharing options...
rental Posted July 3, 2004 Share Posted July 3, 2004 i feel your woes acutely. Link to comment Share on other sites More sharing options...
T=E=A=S=E Posted July 3, 2004 Share Posted July 3, 2004 i got 4536 problems but bills aint one. Link to comment Share on other sites More sharing options...
GnomeToys Posted July 3, 2004 Share Posted July 3, 2004 This happened to me last year so I just quit using banks. You can't overdraw cash. Money orders are cheap as fuck and can be used to pay needed bills, it ends up saving me money in the long run. Link to comment Share on other sites More sharing options...
Guest KING BLING Posted July 3, 2004 Share Posted July 3, 2004 I have never in my life heard of bank charges that insane...from your description it seems like they charged you for not having money to pay fines they charged you to begin with BECAUSE you didn't have money...I would say $90 is the most I would ever accept for a $20 over draft....walk into the bank and raise HELL Link to comment Share on other sites More sharing options...
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