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Discussion in 'Channel Zero' started by oneeightyone, Jul 1, 2004.

  1. oneeightyone

    oneeightyone Senior Member

    Joined: May 23, 2003 Messages: 1,289 Likes Received: 0
    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.

    DR+DELUSION Member

    Joined: Apr 6, 2004 Messages: 472 Likes Received: 3
    bet ya won't overcharge again, huh?
  3. KillWhitey

    KillWhitey Banned

    Joined: Jun 19, 2004 Messages: 228 Likes Received: 0
    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
  4. destroya

    destroya Senior Member

    Joined: Sep 30, 2002 Messages: 1,714 Likes Received: 2

    sell it.
  5. 23578

    23578 Elite Member

    Joined: Jul 2, 2000 Messages: 2,521 Likes Received: 0
    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.
  6. nomadawhat

    nomadawhat Veteran Member

    Joined: Aug 24, 2001 Messages: 5,001 Likes Received: 2
    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.
  7. freeze

    freeze Member

    Joined: Apr 23, 2002 Messages: 301 Likes Received: 0
    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.
  8. 23578

    23578 Elite Member

    Joined: Jul 2, 2000 Messages: 2,521 Likes Received: 0
    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.
  9. Kr430n5_666

    Kr430n5_666 Banned

    Joined: Oct 6, 2004 Messages: 19,229 Likes Received: 30
  10. Nutonce

    Nutonce Member

    Joined: Oct 31, 2001 Messages: 786 Likes Received: 0
    You better get some degrees under your belt unless you want a jail sentence you cant handle for taking the illegal route. Have fun.
  11. WrIot

    WrIot Senior Member

    Joined: Dec 2, 2002 Messages: 1,045 Likes Received: 0
    I HAVNT HAD $20 IN A YEAR AND A HALF!!!:eek:
  12. Dick Quickwood

    Dick Quickwood 12oz Loyalist

    Joined: Aug 25, 2002 Messages: 14,783 Likes Received: 14
  13. T=E=A=S=E

    T=E=A=S=E Elite Member

    Joined: Mar 27, 2004 Messages: 3,271 Likes Received: 0
    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.
  14. !@#$%

    [email protected]#$% Moderator Crew

    Joined: Oct 1, 2002 Messages: 18,517 Likes Received: 623
    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?
  15. oneeightyone

    oneeightyone Senior Member

    Joined: May 23, 2003 Messages: 1,289 Likes Received: 0
    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.