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MorlockP's profile
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
ⓘ Dogs don't have thumbs
@MorlockP

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ⓘ Dogs don't have thumbs

@MorlockP

Two-time Prometheus award-winning hard science fiction author. https://www.amazon.com/dp/B005JPPMS6  Learn how to homestead https://www.amazon.com/dp/B093BC3K1T 

Aristillus Crater, Luna
amazon.com/dp/B005JPPMS6
Joined June 2012

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    1. Pamela J. Hobart‏ @amelapay 23 Apr 2019

      I defaulted on several student loans partially because I lost track of them and partially because living alone in Manhattan is expensive. At times, I bought things like fancy drinks and health insurance for my dogs rather than dealing with the loans.

      4 replies 0 retweets 15 likes
      Show this thread
    2. ⓘ Dogs don't have thumbs‏ @MorlockP 23 Apr 2019
      Replying to @amelapay

      how does that play out? I assume that banks never forget / forgive?

      1 reply 0 retweets 1 like
    3. Warmest Regards‏ @Spivonomist 23 Apr 2019
      Replying to @MorlockP @amelapay

      bundle it, sell it to a collection agency for pennies on the dollar they collect what they can, even if it's severely reduced, they often better than break even

      2 replies 0 retweets 2 likes
    4. ⓘ Dogs don't have thumbs‏ @MorlockP 23 Apr 2019
      Replying to @Spivonomist @amelapay

      I know the theory, but I was asking Pamela specifically what happened to her

      1 reply 0 retweets 1 like
    5. Pamela J. Hobart‏ @amelapay 23 Apr 2019
      Replying to @MorlockP @Spivonomist

      I get calls from collections agencies but I don't know how to figure out what is even possibly legitimate bc it's all such a cluster. I just ignore it all, and make my minimum monthly payment to Navient which is the known (sorta) legit place. nothing else happens.

      2 replies 0 retweets 4 likes
    6. ⓘ Dogs don't have thumbs‏ @MorlockP 23 Apr 2019
      Replying to @amelapay @Spivonomist

      based on my l̶e̶g̶a̶l̶ ̶d̶e̶g̶r̶e̶e̶ ̶f̶r̶o̶m̶ ̶a̶n̶ ̶I̶v̶y̶ ̶L̶e̶a̶g̶u̶e̶ ̶l̶a̶w̶ ̶s̶c̶h̶o̶o̶l̶ reading of reddit, you can / should just ask each of these places for proof of the debt, and proof that they own it.

      2 replies 0 retweets 1 like
      ⓘ Dogs don't have thumbs‏ @MorlockP 23 Apr 2019
      Replying to @MorlockP @amelapay @Spivonomist

      Two possible outcomes: (a) they can produce it, and now you know who to pay (b) they can't, and then you send them a letter saying "you can't produce proof; never call me against at risk of ass whopping"

      10:31 AM - 23 Apr 2019
      • 1 Like
      • Pamela J. Hobart
      1 reply 0 retweets 1 like
        1. Pamela J. Hobart‏ @amelapay 23 Apr 2019
          Replying to @MorlockP @Spivonomist

          if there were somewhere I could just go online and make an offer on the debt to clear it, I would do that, it's got to be worth so little by now. but I don't want to call these people.

          0 replies 0 retweets 0 likes
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