I used to work for a finance company many in an earlier lifetime, sm
Posted By: justme2 on 2007-06-07
In Reply to: Has anyone ever defaulted on a ... - Aunt Bea
At that time, I never saw anything repossessed. However, they would guarnishee people's wages. The first thing you need to do is to contact the lenders to work something out. Sometimes they used to refinance the loans to lower the payments. Or, you could contact somebody like Consumer Credit Counseling Service (be careful and find a legitimate company). They can work out deals with your creditors. Be prepared that this will not help your credit rating, but the companies usually work with you if you are up front and communicate with them. At least they did back when I was working with them. The worst thing to do is to avoid them.
On the other hand, if you financed the furniture through the store, it could be that they would repossess. I know they do with cars.
What I was referring to was taking out a loan and putting down household goods as collateral, which is what people did when I was working for the finance company.
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Bill collector for a finance company-worst job, sm
I would have to call people and ask them why they weren't paying their bills. One day a week I had to do field calls for people that either didn't have a phone or didn't answer the phone. I was in my early 20's and it was the mini-skirt era. Once I was driving around trying to find an address which turned out to be bogus and a man walked up to my car and propositioned me. Luckily I had all of my doors locked and the windows rolled up. Needless to say, I quit my job shortly after that.
Try to work an earlier shift. Your
daughter should be able to keep herself busy with homework, chores, etc, until you get done working. Then when you aren't working, let her have her friends over or take her to a friend's house. You don't need to be distracted when you are working, especially in our line of work. She will just have to understand. But I would let her have her time with her friends when you are off. It will be less distracting for you and you won't have to jump up to see what is going on.
Thanks. I am total IC and work for one company..sm
and I have worked for them for 3 years. I do have a FED ID #, as my employer requested that I have one when I first started. Hence, I also have a business name, but I file under my SS# and my personal name, not my business. I thought maybe that would make a difference. I still have the letter, as I keep all of that stuff *just in case.* I know that being an IC, we are *suppose* to file quarterly and I did read somewhere that there may be fines involved if you don't, so I did not think too much about it when it happened. I file in April and everything is in their officed prior to the 15th, so that could not be a reason why the fine, either. Needless to say, I am confused. Maybe I will seek out an accountant this year and leave all that stuff in their hands. It is getting to be a drag and too time consuming for me anyway. just trying to save a buck, even though I know it is deductible. thanks for answering me. I appreciate it.
My company pays double time, so I work
4 hours spread out through the day on those days, maybe a few in the morning and then a few at the end of the day. There is never a shortage of people wanting to make double time on these days. At the places I have previously worked, we did an every-other-year thing for both these holidays unless people didn't want to work them, and nobody was forced to. If you don't want to work a certain day for religious beliefs, you should state this up front, otherwise ask them their policy and whether or not that is something that would work for you. You always have a choice not to take that position.
I did leave MQ, thanks to lack of work started PT with another company and full time yesteday.
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Help Needed on Taxes/Finance Board
http://forum.mtstars.com/misc/b/7.html
you can pay attorney for an Order To Refinance for Ex; if he can't finance,
nm
U got it!!! after a lifetime of them, who needs one...
if it's got tires or testicles, it's gonna give ya problem(s).............
*roarin*..........LOL
That's like something out of a Lifetime movie
I've had dealings with one small MTSO I can actually envision doing this, scarily enough. Total whack job, bipolar, schizophrenic, whatever she is, it's SCARY.
Glad this all worked out okay for you!
It is supposed to be moving to Lifetime sm
but as far as when it will air, I really don't know as there have been some issues with the transfer between the producers and Bravo. There is an injunction against Lifetime from Bravo to where they cannot air the show until the legal mess gets sorted out, even though the season has been filmed, except for the finale.
I do like Top Chef on Bravo but it comes on the same time as Life on Mars, so I have to catch it on reruns.
lifetime moves are cheesy.
nm
Have you seen Lisa Williams' show? On Lifetime
She is probably the best I've seen. Truly fascinating.
This is an ongoing thing there, I doubt in our lifetime
we will see any difference. No much tragedy, so much sorrow and like you said about Bill Gates, he and his wife really have their heart in the right spot with all they do with what they have and yet all that money and some good but probably not a dent into what is needed. I spent time in Santo Domingo next to Haiti, probably as poor a spot as you could ever find in this world so I have seen and like I said money taken in and then the money comes up short with miscalculations, etc. Yes, I am cynical and have reason to be because of what I see going on with all this funding the people send and then it goes missing. I hear of stories around my home or other places and I pick and choose and send to those I feel really need it (sob stories for animals, also).
Never declawed any of the dozen cats I have had over my lifetime - sm
It is rare, in my opinion, that a cat cannot be trained to claw in appropriate places and not on furniture, etc. Are you providing good places for the kitty to claw, such as a nice scratch post (mine really love the sisal rope kind)? They also love those simple cardboard inserts that are in the Turbo Trackers and the Alpine Scratcher. When I get a new kitty I direct them to the appropriate places to claw and lavish praise. These acceptable places need to be some place you pass by often because the kitty wants you to be there when they are good. Mine run to the scratching posts because they know I am going to lavish praise on them. :-) If they claw somewhere they are not supposed to I immediatly squirt them with a water bottle set to stream. Something called a Scat Mat also keeps them away from the inappropriate places should they want to test you further. I have had young kittens, adult cats, you name it, and not a single one of them could not be trained to scratch where appropriate. I also have nice furniture (even leather). I would only declaw after I had exhausted all other options and it was a choice between that and giving up the cat. Just my two cents, for what it is worth. :-) Let us know what you decide. Best of luck!!
Personally, I would let it ride. Cost a man his job and reputation for a lifetime over this?
And unless you like to see your husband upset, I'd not say anything to him if I were you.
I learned at about the age of 20 how to give a look that made people shudder when they offended me. That is enough for me in situations like this which I consider a 2 on a scale of 1-10 in the sexual harrassment department.
Do you realize the resulting damage you will do if you take a 2 second event into discussion with white shirts?
Lifetime movies where the husband has an affair and leaves
aaa
My thing is Lifetime Movie Network movies...sm
I love most of the movies on this channel. I could sit and watch them all day.
Ah, the L was there earlier, but I ate it.
Sorry.
Yes!! Exactly the same for me, only earlier (sm)
That same horrible, boring feeling but it was not related to work - it was related to my life. I think when you are a mom you start to become just sort of a facilitator for your kids in everyone's eyes - not really the kids eyes - but all the other adults and family members. I mean think about it - we had a group outing recently and all the moms sat on the deck "watching" while the kids and dads went waterskiing and getting pulled on the tube, etc. If as the mom you do decide you want a turn you have to wait patiently for all the kids to have their turn and then if you really boldly get up there an say you just really want a turn - you might get one. I know that's kind of a silly example, but that's how it is in real life for moms! Anyway, for a few years I wanted excitement so bad - I felt like I was going to explode. I am not sure a midlife crisis is always a bad thing - sometimes it is sort of a wake up call saying Hey!! You're not getting any younger!! is this how you want to spend the rest of your life??? Mundane and half-***?? I made a lot of changes - one of them was changing jobs - but then I changed back because I really like having my freedom with my job - but did find a better transcription service to work for. My marriage has been rocked and I don't know exactly what I am going to do about that yet, but I HAD TO make some changes. Whew!! Sorry you asked? LOL!
I saw this earlier this morning, as well--sm
and on my start page, they actually showed a picture of the poor puppy! I was appalled at what I consider to be a lenient sentence for inflicting nothing but anger and hatred on a poor defensless animal. Unfortunately, treating these types of people the same way they treat other beings constitutes a crime and violates *their* rights, and would instill a punishment on us far worse than what he received. However, if it was possible to inflict on him the same as he inflicted, I would be the first in line to do so!!! I highly doubt one of his punishments of 48 hours of counseling is going to undo what is screwed up in his brain! But I would surely love to be his *counselor*.
I saw this earlier today (sm)
On the Today Show. It seems that some feel sympathy for her because of her age. From what I have seen, she was asking for it from the moment she was stopped. The police have no idea who or what they will encounter and he could have been facing oncoming traffic about to plow him over, all because a "72-year-old lady" wouldn't move off the road.
Or from earlier, Cagney and Lacey. nm
s
This is 100% correct and like I stated earlier
The mother is making excuses for them not to go. She needs to check her attitude because kids play on this. Pack a bunch of things they like and don’t play into their crying. She apparently does not care much about the MIL- it comes out in her posts- saying she only wants to show them off? Most grandparents want to show off g'kids. This is not unusual.
What happened to all the other posts that were here earlier? Mod..can you help? nm
nm.
Eye problems posted earlier
Turns out it was just another eye infection that had my upper "flab" under the eybrow swollen so bad. Whew! Was I ever scared. The eye is now back to normal complete with "weeping" that I have had for the past 8 years when I'm on the computer too long.
I want to thank you all for your support and suggestions. You guys are the greatest.
My daughter had done years earlier and
I noticed the other day she looks as though some have started to not be as aligned as they once were. I am hoping she will get a clear one to help realign hers.
Oh, I remember back way years earlier
when Elvis was serving in the army overseas and he met Priscilla- get this, very hush, hush now but he brought her to live with him when she was only 14 or 16 years old, just a child and he was in his 20s. She finished high school in Memphis. Heard years later she was living with his family, not what happened. Now what would that be called today? Older guy, really young girl?
My grandchildren bypassed me in earlier years
to go to their maternal grandmother, their aunts, their cousins, etc. I just finally gave up and did not seek out their visiting me anymore. Their mother did not want to share (my son should have done his share to see both grandparents to have time)- bottom line on this, they live about 15 minutes away- girl went off to college and wrote me saying surprised I did not come around nor call and I seemed to be ok with that. I did not go into why I was not in the picture, told her I was very happy and accept things as they were. She said saw her aunt more than me and told her that was the way it had been since she was born, not my choice but I just came to accept it. I do not worry about it anymore.
I know you said that earlier; you however did not give specific instructions on how to use it. sm
I was just trying to be helpful -- not take the wind out of your sails!
An office manager earlier in my career...
... those of you who have been around long enough will know the type... the polyester queen who'd started with the doctor when he opened his practice in 1951, and she used to work until 11 o'clock every night, keeping things caught up, but never put in for OT pay, and because she had done it, she expected the rest of us to do it too.... Labor laws? We don't need no stinkin' labor laws.... (No, we didn't stay one minute past closing time. We didn't let her guilt us into it.)
When I started at the job, I was promised a raise in a certain amount after 3 months. I got half the amount, and I was too chicken to raise a stink. Later, my finances got so tight, I went to her to tell her if I didn't get a raise, I was going to lose my apartment and have to move back in with my parents. She claimed she asked the doctors, came back, and told me I'd have to move back home. I later found out she never asked the doctors--and that if she had, they'd have granted the raise. Grrrrr.....
My desk was right next to hers, and if my typewriter was silent for more than 5 seconds she'd look over and comment on the fact that I wasn't working. Nevermind that I was looking something up in the Dorland's at the time....
Many, many years later, I somehow wound up next to her at a retirement party for one of the doctors. She too had long since retired, and I too had moved on, but they invited back any and all of the old staff they could find. By the end of the luncheon I was wondering how on EARTH I sat next to that witch with a capital B for 3 long years and didn't KILL her. Because she was still at it--picked on every single thing I did, including the fact that I ordered steak, because steak isn't for lunch, it's for dinner, and that if you can't afford to pay cash in full for a car, you are not to buy the car, you are to ride the bus to work until you have saved up the full cash price of the car. Then she grabbed my hand and screeched, "Do you bite your nails?"
Come to think of it... it was during that era that I started getting really, really cranky............... :)
Traffic is lighter earlier in the morning
And you'll have a little extra time at your vacation destination! I'm usually geared up to go on vacation anyway and it doesn't seem too awful to have to get up early and go!
Hope you have a great time!
On Jackson, what I said earlier today to husband was
since Farrah Fawcett died today, McMann yesterday I had always heard of hollywood deaths coming in 3s since I was a young child and I told hubby would not be surprised if another person dies soon. Unbelievable, sure did not think about Michael Jackson if this is true.
Ed Bradley from 60 minutes died of leukemia earlier. Sad. nm
m
Acetone is nail polish remover, already said that earlier
NM
Posted about cabbage soup diet earlier
I made the soup yesterday and along with what it calls for added additional bellpeppers, garlic, lots, coriander (spelling?), parsley and both chunked up tomatoes and whole tomatoes. It is absolutely delicious and filling. Ok, not even 11 a.m. yet and I cooked some turnip greens this morning and ate some already (today is the vegetable and soup day). This diet is being used as a bridge for me as next week when I am not supposed to be on the diet, I have been setting up meals such as fish, lean meats and loads of vegetables, not fried for this week coming up. I had tried this diet some years back and like 1 of the posters, found it completely unpalatable but then again did not try the various spices like I have this time. Hope I am on my way to the XXXX amount of weight I need to lose!!
I posted earlier today asking for some suggestions to relieve severe s/m
hot flashes. Tonight I am doing a search for cures and came across a site that swears by apple cider vinegar. There are many posts on this site stating this has been a miracle for not only hot flashes but many other conditions. Now my question. . . How do you drink vinegar in water every day? I am terrible about any liquid medicines, etc. with a bad taste. Anyone use ACV? I wish there was a better way to ingest it. Thanks!
Yes - does not work! Hoax if you ask me. MetaboLife doesn't work either.
The only thing that works for me is exercise and eating correctly! No quick fix, unfortunately.
I tried a big company, but
I didn't like the rigidity of their plan. You want somebody who is flexible in the cleaning rotation if they rotate their area of concentration. I mean, this company wanted to waste a clean by detailing my office and bedroom and laundry area. Nobody sees those areas, so if I have company coming over, attention needs to be paid to the areas we'll be using, you know? But they had to follow their national plan.
Plus, DH and I didn't appreciate having to spend every other day off preparing for them to come. Some days you want to spend in the yard and let the house go, but when somebody is coming to clean, you need to have picked up so they can vacuum and wipe counters, etc.
Which company did you use? NM
x
I went with a company...sm
We went with InCharge. The credit cards were out of hand and I was fed up. It took 1-2 months to get everything set up. We pay them $40 a month for their service, but the interest rates were knocked down to 6% so we are still saving bunches of money. We have have all the credit cards paid off in 2 more years. As for working out something with the credit card companies directly, they would not work with us so this is the route we went. Do not regret it at all.
Which company has this.
:
unwanted company
Ditto -- Just don't answer the door. We moved to the country to get away from that sort of thing and it still happens. I hate it too.
Just because a company offers 8....
Just because a company offers 8 cpl doesn't mean they won't up that for experience. I was offered 8 and said no and now I get 10 cpl.
For what company? See, that's the thing - I
have tested for numerous companies, and passed with flying colors, then when it comes down to the job offer, they offer me about what I am making now. That is why I would like to just know what companies out there are paying 10 cpl so I can just bypass all the ones that offer low pay; otherwise, I just see myself wasting my time, taking all these tests and in the end being offered no more than what I'm getting now. Can anyone out there who makes 10 cpl tell me what company they work for?
misery and company
I'm not glad that you all suffer too, but a little relieved. Mine is a little like an electrical hum - white noise came to mind for me also. I wonder if computer error tones started mine as it happened right after I had a series of bad dictations where I turned the volume up really high and then when I hit something wrong I got a very loud tone - someone has since told me how to change it to a more tolerable sound.
Actually, I worked for a PC company
a long time ago supervising the commercial aspect. They always tell you that, but they can and do die in walls. We were sent out many times to cut them out after people insisted on using poison.
The best advice that I can offer is that once you get rid of them, you seal off any areas where they can get back in. If you don't do that, then you will continue to have problems.
Now rats instead of mice, I don't know what to tell you to do if they are eating through the walls!
Me personally though, I had a rat as a pet. In fact, we had to put her to sleep about a month ago.
Maybe you should contact the company...
nm
The big company I used was awful.
Different people every time and they used a special schedule they could not alter when I had a special request. An individual would be more flexible, but make sure they are bonded and paying taxes so you don't run into trouble with the IRS.
Would it be possible to ask the phone company--sm
to come out and inspect your line? I don't see where a lawyer would be any good at this point, until something is either proven or disproven. Good luck.
Can't Garnish a Company
You can't "garnish" a company. Garnishment only works with an employer willing to work you court to fork over money from an "employee." You're talking about a company (is it incorporated?) If you didn't go to small claims already, that's your only (best) way out. That way, the company rep MUST show up in court to answer your claim, or offer a settlement. Unless you do some strong-armed persuasion through the local press and exposing the outfit any way you can I don't see any other way out. Also, in our county it's more like $50 to file the complaint, but you can recoup that from the debtor as part of the settlement. And, don't let the small claims court clerk tell you that you need an attorney. You don't--unless you want one. They clerk is duty-bound by their oath to assist citizens in filing their own documents. They can't give you legal advice, but they can and should make sure your paperwork is okay to file the claim. Also, you can always check in with the state attorney general. They could probably work with this as a fraud case and you might have some recourse there. Also, your state--secretary of state for your state would have information on the legalities of this company, which also if you filed a claim in Small Claims Court you could subpoena documents from the company directly to find out their bank, accounting records, etc. Good luck again.
They are all one company , and out of Grenada. sm
illegal in a lot of states.
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