RAFO Messageboard: Re: Yeah... banks and collection companies are assholes in those cases. by Legolas

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Re: Yeah... banks and collection companies are assholes in those cases. Legolas Send a noteboard - 25/07/2018 10:46:51 PM

View original postMaybe between generations? I almost never use checks except when paying a government agency (car tags, property tax, school stuff like sports team fees) Mother in Law is in her 80s and is not prepared to adapt.

No, I meant it pretty literally - I hadn't seen anyone write a check in my life, ever, before I came to the US for the first time. Not sure actually what the experience of people in their 80s around here is, whether they used to use checks fifty years or so ago. If I'm not mistaken there are some countries in Europe where it's more like in the US and checks are far from unheard of, but certainly not here.

View original postThe bank has already cancelled her checking account and credit card account. (Cancel may not be the right word for the CC - she still owes the debt but may not make additional purchases). I think the bank is out of the loop at this point. It's between us and the debt collector now.

Yikes. Sucks that they also closed the checking account, though I guess understandable if this whole thing has been going on for a long time before you got involved.

View original postMy wife spoke to our attorney (who is not a bankruptcy guy) a little when she was setting up our appointment to get a Power of Attorney. Mother-in-Law doesn't really have assets to go after that are available to creditors in bankruptcy, so adding more charges is going to drive us to that option.

Ah, yeah, makes sense. Though I don't really know what the consequences of declaring bankruptcy are - is it worth it already for an amount like that?

View original postShe gets lost, but she doesn't really drive in an unsafe manner, and she doesn't go outside of her (shrinking) zone of familiarity. She even changed churches so she could avoid driving across town. The connection between the two is a legal one - if we actually take control of her life with a guardianship then we are liable for any damages she causes while driving, so whether or not she drives would be up to us at that point. I mean, if we become her guardians that of course it's up to us, but ALSO the increased liability seems designed to make us err on the side of taking away her car.

Is that in the same way that you'd be liable for your kids driving before they turn 18? Since that isn't a thing here, I've never really thought about the legal liability aspects involved there - or those of the parent guardian situation.

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So... when do you take over for a parent? aerocontrols - 24/07/2018 10:15:44 PM 918 Views

Yeah the downside is what you said about her driving. damookster - 24/07/2018 10:29:59 PM 566 Views

A big problem is the paranoia aerocontrols - 25/07/2018 04:04:09 PM 617 Views

My dad got really bad before he passed. damookster - 25/07/2018 04:11:40 PM 564 Views

Yeah... banks and collection companies are assholes in those cases. Legolas - 24/07/2018 11:29:16 PM 568 Views

Re: Yeah... banks and collection companies are assholes in those cases. aerocontrols - 25/07/2018 04:31:49 PM 636 Views

Re: Yeah... banks and collection companies are assholes in those cases. Legolas - 25/07/2018 10:46:51 PM 550 Views

I use checks from time to time AgentApple - 26/07/2018 12:39:51 PM 532 Views

Anyone can have a credit card machine. It's a small plastic square you plug into your iphone. Tom - 26/07/2018 03:22:29 PM 593 Views

Not credit cards, debit cards. And bank transfers. Legolas - 26/07/2018 05:21:59 PM 586 Views

The last check I wrote was $45 to the 14yo who mows the front part of a piece of property I own aerocontrols - 27/07/2018 02:16:23 PM 542 Views

He'd have texted his bank account number, and I'd have sent a bank transfer. *NM* Legolas - 27/07/2018 05:14:50 PM 305 Views

I would take a different approach with the collection company Tom - 25/07/2018 11:14:43 PM 614 Views

Well I know I don't want to pay a lawyer. aerocontrols - 27/07/2018 02:27:49 PM 634 Views

I'm not suggesting that Tom - 27/07/2018 05:50:08 PM 528 Views

I agree with Tom damookster - 27/07/2018 06:05:47 PM 556 Views

As soneone who ran a debt collection agency for about 6 years... Urza - 28/07/2018 05:38:20 PM 621 Views

Thats if you even care to bother settling it... Urza - 28/07/2018 05:41:45 PM 530 Views

Did you ever break anyone's thumbs?

*NM* Belals Girl - 31/07/2018 04:45:41 AM 324 Views

Yeah but off the clock and she begged for more :p *NM* Urza - 31/07/2018 04:49:20 AM 566 Views

Liar. Only two thumbs. Unless she begged you to break someone else’s thumbs... *NM* draggie - 03/08/2018 06:27:30 AM 321 Views

Harumph! Whats a baby dragon know about thumbs anyway!! *NM* Urza - 04/08/2018 04:54:03 AM 544 Views

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<quote id="301531">
<quote id="301527">Maybe between generations?  I almost never use checks except when paying a government agency (car tags, property tax, school stuff like sports team fees)  Mother in Law is in her 80s and is not prepared to adapt.</quote>
No, I meant it pretty literally - I hadn't seen anyone write a check in my life, ever, before I came to the US for the first time. Not sure actually what the experience of people in their 80s around here is, whether they used to use checks fifty years or so ago. If I'm not mistaken there are some countries in Europe where it's more like in the US and checks are far from unheard of, but certainly not here.

<quote id="301527">The bank has already cancelled her checking account and credit card account.  (Cancel may not be the right word for the CC - she still owes the debt but may not make additional purchases).  I think the bank is out of the loop at this point.  It's between us and the debt collector now.</quote>
Yikes. Sucks that they also closed the checking account, though I guess understandable if this whole thing has been going on for a long time before you got involved.

<quote id="301527">My wife spoke to our attorney (who is not a bankruptcy guy) a little when she was setting up our appointment to get a Power of Attorney.  Mother-in-Law doesn't really have assets to go after that are available to creditors in bankruptcy, so adding more charges is going to drive us to that option.</quote>
Ah, yeah, makes sense. Though I don't really know what the consequences of declaring bankruptcy are - is it worth it already for an amount like that?

<quote id="301527">She gets lost, but she doesn't really drive in an unsafe manner, and she doesn't go outside of her (shrinking) zone of familiarity.  She even changed churches so she could avoid driving across town.  The connection between the two is a legal one - if we actually take control of her life with a guardianship then we are liable for any damages she causes while driving, so whether or not she drives would be up to us at that point.  I mean, if we become her guardians that of course it's up to us, but ALSO the increased liability seems designed to make us err on the side of taking away her car.</quote>
Is that in the same way that you'd be liable for your kids driving before they turn 18? Since that isn't a thing here, I've never really thought about the legal liability aspects involved there - or those of the parent guardian situation. 
</quote>

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