usery

[daisy]

o.k. not me - i am just an old cheap carny
that does not deal with credit cards at all - yet
my friend is in debt on credit cards
he says they are really really robbing him
charging him 30% on the balance every month now
basically doing illegal usa-ry on him
pyramid credit cards
stuck locked inside the top of a pyramid
a pyramid that never starts over from the begining again
a pyramid that the credit card people helped build
his credit card debt is now $31,056.20
half of this debt is money he brorrowed
and the other half of this debt is
28.99% illegal usary interest they added onto the balance
every month

so now i am going searching on the internet
to see if there is anyway he can - settle this beef
www.creditinfocenter.com/debt/originalcreditor_debtsettlement.shtml

www.creditinfocenter.com/debt/

www.creditinfocenter.com/debt/settle_debts.shtml
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[daisy]

half of american consumers are entangled in
terrible loan arrangements with credit card firms
that charge usurious interest rates,
bury contractual agreements in incomprehensible small print
and change those agreements at any time.
redtape.msnbc.com/2007/03/credit_card_com.html
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[daisy]

credit card crap
www.43things.com/entries/view/1812599

www.43things.com/things/view/2509
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[daisy]

people who have paid off their credit cards
www.43things.com/things/people/2509/done
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[daisy]

thank god - i have never had and never want
a credit card !
i do not know - he might just have to get someone else to help him
www.debtshield.com/learn-more/credit_card_debt.php?source=75&keywords=pay_off_credit_card_debt&gclid=COG-9Jqz

www.debtshield.com/learn.html
Consumers are complaining to the FTC about
abusive and harassing collection techniques,
such as threatening to sue, arrest or even violently attack
the debtor for failure to pay a debt.
One collection technique that is gaining attention is when
a collector convinces a debtor to pay just a little,
after which the collector uses the debtor's bank information
to make unauthorized withdrawals.
www.debtshield.com/complaints.html
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[daisy]

We provide you with debt reduction advice and can help you dramatically reduce your debt. Our experienced negotiators work directly with creditors to reduce the amount of money you owe them. As a result of our experience and dedication, we often negotiate an average settlement of less than 35% of what you actually owe. With our proven debt settlement advice, many of our clients complete their program and wipe out their debt within 24 to 36 months. If you owe $10,000 or more in unsecured debt and would like to take advantage of our debt negotiation advice services,
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Our fees are a percentage of the total outstanding debt
that is included in your program.

Our debt reduction advice counselor will explain in detail
the fees that apply to you and your program and answer any questions you may have about our program.
www.debtshield.com/info/debt-advice.html
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[daisy]

www.solongbills.com/articles/credit_cards.htm

www.rapiddebtreducer.com/

www.rapiddebtreducer.com/3stepstofinancialfreedom/3stepstofinancialfreedom_viewlet_swf.html

www.central-vt.com/web/solongbills/
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[daisy]

www.careonecredit.com/ICO/HowItWorks.aspx
1) Help you pay less.
The credit counseling agencies that provide CareOne services
negotiate with your creditors for better repayment terms,
including lower interest rates and waived late fees.
MAYBE ? - sure - promises, promises ?
(i think i will try to negotiate with them first !)
www.careonecredit.com/ODS/HowThePlanHelps.aspx
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[daisy]

www.creditcards.com/
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[daisy]

o.k. i am helping that mean ass asian
i figured out that just one of the reasons he is meaner
is because of these outragous credit card finance charges
that are being added to his credit cards every month
(like $50-$60-$100-$200 in finance charges - added monthly)
oh boy he can't even talk about it
without his veins pure popping out of his neck
and his face turning red with anger
yeah he can't even talk to the credit card people
without yelling at them
he is a totally burnt mark - that has been put through the ringer

(every since 1993
i am about the main one that has helped him
and he is about the main one that has helped me)
he is 100% fob thai - from thailand - so
he just always says
this country is a thief (=america)
he is one of those extra ironed hard working asians
that now just bears his lot in america-the thief
(i grin and bear it - yet i think he has lost his grin)
well i agree with him and i just lol and say
yeah they will get you - one way or another !
he is like me - he is somewhat anti-social
(similiar to our anti-social parents)
and somewhat agoraphobic
we had similiar parents with similiar mental illnesses
that raised us to be somewhat similiar

yeah basically his mom got him for all his money
the same way my dad got me for all my money
the whole time we were growing up
and we are still the same - moving game to game
because now the credit card people are getting him
for all his money
and my children are getting me - for all my money
america the great - they do it all great
(like in a great big way)
yeah they will get you - one way or another !
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[daisy]

o.k. but you know me
i love being hyper bipolar
well basically manic is about the only kind of energy i have
that is just how they breeded us older white albinos
with sometimes alot of manic energy !
so i used my manic energy to call the credit card people
over and over and over again !

so far bank of america has been nice enough
to let me close an account to a lower interest rate
4.5% now instead of 32.24%
hey but there is a catch to it
the first time there is a 60 day late payment
the one chance, one time financial stress plan is
over for good and the interest rate
soars right back up from 4.5% to 32.24% again
this financial stress plan gives 5 years to pay off the balance
and at a 4.5% interest rate
that would equal $600 paid in interest
instead of paying $2,716.20 in interest - with the sky high 32.24% interest rate
(like a one last turn - roll of the dice
to go ahead and bust them out of the game
the financial stress plan game)

(yeah everything is a game to me and life is a stage)
(that's what happens when you grow up - with it - in showbiz)
o.k. i just hope this financial stress payment plan works out
i did not know what else to do
hey i am not into credit cards
i never had one and never wanted one
yeah we always squashed all our own beefs - on the carnivals
i guess all these credit card people
do not have to squash all their own beefs
but you know i am still going to keep
calling them over and over and over again
and bugging them all for a financial stress plan
for their very own - angry asian mark
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