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PostPosted: Sat Dec 01, 2012 6:59 am 
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Einherjar
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cry of the banshee wrote:
Goat wrote:
Yeah, she signed, she pays. Contracts can be unfair and hateful, I've signed a few myself that I've regretted.

BUT just how much of a coup in public relations for this company would it be if it *did* forgive them? If I was a bastard I'd suggest it just for the new business that you can then not forgive...



Don't wanna be a dick or anything, but her using her son's death to get out of her financial obligations doesn't seem right.


Her son chose a crap major to begin with, he dies and she wants an excuse not to pay her bills. Its her fault, she signed along the dotted line, she needs to pay up.


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PostPosted: Sat Dec 01, 2012 7:08 am 
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Ist Krieg
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Tehom wrote:
Her son chose a crap major to begin with
I thought that too lol.

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PostPosted: Sat Dec 01, 2012 7:20 am 
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Einherjar

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dead end degree not to be a dick but since the kid never would have found worthwhile work in the field he was studying maybe him dying wasn't such a tragedy, if you can't contribute in some way to the world arround you then you don't deserve to have a long life and drain resources

actually I lied I do want to be an asshole and if this woman doesn't pay back her debt then she should join her son in the grave


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PostPosted: Sat Dec 01, 2012 8:08 am 
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traptunderice wrote:
noodles wrote:
I want to have a heart but hey she cosigned and that's basically what it means to cosign.
I think the argument that she could make is that it seems as if she makes less post-death than before and so her finances aren't the same as when she agreed to take on the loan. Basically, that would just lead them to restructure the payment to suit what she can afford, but it takes a kidney or a firstborn to pull that off.


That's not the fault of the loan company(or whoever loaned him the money)though. If they want to do that on a moral standpoint than that's their prerogative but if not than they still have a right to pursue the loan regardless of the circumstances of the cosigner.


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PostPosted: Sat Dec 01, 2012 8:18 am 
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Ist Krieg
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MetalStorm wrote:
traptunderice wrote:
noodles wrote:
I want to have a heart but hey she cosigned and that's basically what it means to cosign.
I think the argument that she could make is that it seems as if she makes less post-death than before and so her finances aren't the same as when she agreed to take on the loan. Basically, that would just lead them to restructure the payment to suit what she can afford, but it takes a kidney or a firstborn to pull that off.


That's not the fault of the loan company(or whoever loaned him the money)though. If they want to do that on a moral standpoint than that's their prerogative but if not than they still have a right to pursue the loan regardless of the circumstances of the cosigner.
They have the right to pursue the loan, but she can't pay what she can't earn and afford.

This points to an issue I have with Obama. The fucker had a chance to rewrite lending legislation and instead he reinforced the status quo in writing. When a bank loans an offer, they do research on what the person can afford. They are taking a risk that that person will continue you to be able to afford that loan. The big problem is when people could no longer afford those loans because of jobs or whatever. The investment that the loan made goes belly up in those situations. In this situation in particular. They took the risk in order to make a quick penny via interest and it failed. However, Obama wrote into law that the risk falls solely on the lendee. If I take a loan out, it is my responsibility to ensure that I always have the money to afford it coming in, regardless of the structural conditions of what jobs are available in the future that I have no control of. The bank is not responsible, and if too many citizens are fucked over by the system and lose their incomes, the govt steps in to bail out the banks. The banks can only win by giving out loans. They have no reason to be responsible about their lending practices. Let the fuckers fail for their volatile activities.

I'll take a gander and say that they didn't check her income at all when she co-signed to see whether she could afford if he dies. I bought a car once and that was how it was. My mom's name just needed to be on the title. She was under bankruptcy and it was illegal for her to put her name on it, but they wanted her on it anyways regardless of what she could afford. Just so they could have somebody to go after if I fucked up.

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PostPosted: Sat Dec 01, 2012 8:22 am 
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Ist Krieg
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:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...


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 Post subject:
PostPosted: Sat Dec 01, 2012 8:27 am 
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Ist Krieg
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cry of the banshee wrote:
:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...
Seriously. So ready to be done with the dude.

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 Post subject:
PostPosted: Sat Dec 01, 2012 8:31 am 
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Ist Krieg
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traptunderice wrote:
cry of the banshee wrote:
:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...
Seriously. So ready to be done with the dude.


My standard response


:lol:


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 Post subject:
PostPosted: Sat Dec 01, 2012 8:37 am 
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traptunderice wrote:
MetalStorm wrote:
traptunderice wrote:
noodles wrote:
I want to have a heart but hey she cosigned and that's basically what it means to cosign.
I think the argument that she could make is that it seems as if she makes less post-death than before and so her finances aren't the same as when she agreed to take on the loan. Basically, that would just lead them to restructure the payment to suit what she can afford, but it takes a kidney or a firstborn to pull that off.


That's not the fault of the loan company(or whoever loaned him the money)though. If they want to do that on a moral standpoint than that's their prerogative but if not than they still have a right to pursue the loan regardless of the circumstances of the cosigner.
They have the right to pursue the loan, but she can't pay what she can't earn and afford.

This points to an issue I have with Obama. The fucker had a chance to rewrite lending legislation and instead he reinforced the status quo in writing. When a bank loans an offer, they do research on what the person can afford. They are taking a risk that that person will continue you to be able to afford that loan. The big problem is when people could no longer afford those loans because of jobs or whatever. The investment that the loan made goes belly up in those situations. In this situation in particular. They took the risk in order to make a quick penny via interest and it failed. However, Obama wrote into law that the risk falls solely on the lendee. If I take a loan out, it is my responsibility to ensure that I always have the money to afford it coming in, regardless of the structural conditions of what jobs are available in the future that I have no control of. The bank is not responsible, and if too many citizens are fucked over by the system and lose their incomes, the govt steps in to bail out the banks. The banks can only win by giving out loans. They have no reason to be responsible about their lending practices. Let the fuckers fail for their volatile activities.

I'll take a gander and say that they didn't check her income at all when she co-signed to see whether she could afford if he dies. I bought a car once and that was how it was. My mom's name just needed to be on the title. She was under bankruptcy and it was illegal for her to put her name on it, but they wanted her on it anyways regardless of what she could afford. Just so they could have somebody to go after if I fucked up.


It's stupid on the part of lenders to not do a credit check and ask for proof of income but yeah that's been the MO of banks and other loan companies for years.


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PostPosted: Sat Dec 01, 2012 8:38 am 
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traptunderice wrote:
cry of the banshee wrote:
:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...
Seriously. So ready to be done with the dude.


I've been done with the dude since he was first elected.


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 Post subject:
PostPosted: Sat Dec 01, 2012 3:27 pm 
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Ist Krieg
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MetalStorm wrote:
traptunderice wrote:
cry of the banshee wrote:
:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...
Seriously. So ready to be done with the dude.


I've been done with the dude since he was first elected.
Since he was first elected? what did he do immediately since he was first elected that ruined it for you? Shut the fuck up.


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PostPosted: Sat Dec 01, 2012 6:52 pm 
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traptunderice wrote:
MetalStorm wrote:
traptunderice wrote:
cry of the banshee wrote:
:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...
Seriously. So ready to be done with the dude.


I've been done with the dude since he was first elected.
Since he was first elected? what did he do immediately since he was first elected that ruined it for you? Shut the fuck up.


I didn't vote for the idiot the first time so STFU.


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 Post subject:
PostPosted: Sat Dec 01, 2012 6:58 pm 
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Ist Krieg
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Joined: Mon Oct 30, 2006 7:15 pm
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Location: Cincinnati OH
MetalStorm wrote:
traptunderice wrote:
MetalStorm wrote:
traptunderice wrote:
cry of the banshee wrote:
:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...
Seriously. So ready to be done with the dude.


I've been done with the dude since he was first elected.
Since he was first elected? what did he do immediately since he was first elected that ruined it for you? Shut the fuck up.


I didn't vote for the idiot the first time so STFU.
Irrelevant ad hominem much? I voted for the man based on his platforms. You could point to a disagreement with his platforms or simply being tired of his rhetoric, but instead you said some dumbass comment. Just leave. The grown ups are talking here.

^Which is a much better comeback to 'shut up' than 'no. you shut up' as you just did.


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 Post subject:
PostPosted: Sat Dec 01, 2012 7:17 pm 
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traptunderice wrote:
MetalStorm wrote:
traptunderice wrote:
MetalStorm wrote:
traptunderice wrote:
cry of the banshee wrote:
:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...
Seriously. So ready to be done with the dude.


I've been done with the dude since he was first elected.
Since he was first elected? what did he do immediately since he was first elected that ruined it for you? Shut the fuck up.


I didn't vote for the idiot the first time so STFU.
Irrelevant ad hominem much? I voted for the man based on his platforms. You could point to a disagreement with his platforms or simply being tired of his rhetoric, but instead you said some dumbass comment. Just leave. The grown ups are talking here.

^Which is a much better comeback to 'shut up' than 'no. you shut up' as you just did.


Man you're a piece of work. I realize that with your limited amount of intelligence that my comment flew over your head. And for the matter I wasn't even trying to turn this into a political discussion about the shithead in office you said you were ready to be done with the idiot and I said I was done with him from the start gate.

And your calling me a kid ye who wears kiddie costumes for halloween. Nice now grow the fuck up peter pan and get back on topic otherwise STFU,read your stupid Marxist bullshit and leave the discussions to ones that actually know what the fuck they're saying.


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 Post subject:
PostPosted: Sat Dec 01, 2012 7:35 pm 
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Ist Krieg
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Location: Cincinnati OH
MetalStorm wrote:
traptunderice wrote:
MetalStorm wrote:
traptunderice wrote:
MetalStorm wrote:
traptunderice wrote:
cry of the banshee wrote:
:lol: at expecting Obeezy to be anything but a whore for the establishment aka "status quo"...
Seriously. So ready to be done with the dude.


I've been done with the dude since he was first elected.
Since he was first elected? what did he do immediately since he was first elected that ruined it for you? Shut the fuck up.


I didn't vote for the idiot the first time so STFU.
Irrelevant ad hominem much? I voted for the man based on his platforms. You could point to a disagreement with his platforms or simply being tired of his rhetoric, but instead you said some dumbass comment. Just leave. The grown ups are talking here.

^Which is a much better comeback to 'shut up' than 'no. you shut up' as you just did.


Man you're a piece of work. I realize that with your limited amount of intelligence that my comment flew over your head. And for the matter I wasn't even trying to turn this into a political discussion about the shithead in office you said you were ready to be done with the idiot and I said I was done with him from the start gate.
No comments went over my head. Your unrelated and unnecessary jab just kinda pissed me off. My comment on Obama was related to the issue of lending where yours was inane.


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 Post subject:
PostPosted: Sat Dec 01, 2012 8:04 pm 
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Ist Krieg
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Well I was against him long before he was elected.
I mean just look at this asshole:

Image

Image

Image

What happened, America? We used to elect Alphas.


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 Post subject:
PostPosted: Sat Dec 01, 2012 8:38 pm 
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Ist Krieg
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Location: Cincinnati OH
cry of the banshee wrote:
What happened, America? We used to elect Alphas.
HAHAHAHA.


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