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You Pay for Your Partner’s Cosmetic Surgery, Then They Cheat on You. It’s not like it’s going to happen by the end of the day. It’s Halloween, so today on Debt Free in 30 we’re going to spend the show telling scary stories. But when I add up a bunch of them, it ends up being a big number. Sign up for our newsletter to get the latest articles, financial tips, giveaways and advice delivered right to your inbox. indulgences, so they didn’t bother keeping an eye on their credit balance. But here’s a good example of a scary story. The creditor isn’t going to be reasonable or forgive interest when he’s told us to go to heck in a hand basket. I consolidated my loans in 2001 and made payments on time to Navient. I Can’t Pay My Bills. Nicole Olsen: Well, since they were best friends, he had a lot of information about Jeremy. Bad credit So, I knew a little about collection agencies and what they were doing. But then he took it a step further and went online and because I have the card number, he could register for online banking. If they need to borrow money then give them the cash. In the first segment Nicole Olsen, a credit counsellor with Financial Fitness in Windsor told us two stories. Have you ever had – well, tell me a scary story from your perspective? No, we’re not going to talk about ghosts and goblins, but I have invited onto the show a number of guests to tell us scary stories from the world of debt. On today’s show, I’m joined by Hoyes Michalos Licensed Insolvency Trustee, Howard Hayes, collection agent Blair Demarco-Wettlaufer, credit counsellor, Nicole Olsen from Fitness Financial in Windsor and Licensed Insolvency Trustee at Hoyes Michalos, Rebecca Martyn from our Windsor and Leamington offices to hear some of the scary stories that they’ve heard over the years. They were assuming that I was this man. If you kill someone, yes you’re going to go to jail but it’s not paying your debts isn’t something that lands you in jail. And apparently you can do that just online I guess. Everything was great. I had one lady, sweet lady, she must have been 80. And that isn’t as common in this modern age of databases, but it’s still there. First and foremost, it’s finding steady income, which sometimes can be challenging. Doug Hoyes: So, we heard the story from Howard about a collection agent who was lying and basically being quite deceitful to the person who owed the money. Nicole Olsen: Sure. Nicole Olsen: First and foremost always never, ever give out any personal information, even friends and family. There has to be open lines of communication between two people in a marriage. So, Howard give me a story that you heard that you were actually involved in and I want real stories and not something that you just made up. ‍ My personal story is part of what drives me to help others manage their personal finances. What are My Options When In Debt if My Income is from Social Assistance, Pensions, or Support Payments? Being really on top of the E.I process, so the unemployment insurance process, making sure that you have your Service Canada account open, so, that every single time that you go on lay off you can reactivate that claim and you’re not having to wait so long to receive your first cheque from unemployment. Usually, it’s pretty easy to root out the cause, so I often don’t share these horror stories with the world. And it’s almost doubled. Imagine if people didn’t pay their debt and they go to jail; imagine how overcrowded our jail would be from people who didn’t pay their debt. We’ve seen some pretty horrible stuff. Doug Hoyes:  But you’re right, you are much better off putting aside the $50 a month, you know, $10, $12, $15 a week for a period of a few months, rather than being faced with having to make a loan payment of $50 or $100 a month for a much longer period of time. If you’ve been affected by any of the issues David has raised, you can get free financial and debt advice via The Money Advice Service or a debt charity such as Christians Against Poverty or Step Change . Forget Hereditary, The Haunting of Hill House, and everything else you’ve seen this year. Here you go. The hard truth is, you have to be So, let’s see how many we can get to. In 2012 I had only paid $1,000 toward principal. If I pay if off every month, I would never see any interest and would get to keep the rewards. So, that’s very good advice. Stories of People Getting Out of Debt. Doug Hoyes: And so, we understand that okay, I mean I’ve got kids too, I understand they grow out of things but they probably didn’t grow out of their bed instantly. find alternatives to payday loans, nothing will: So, tell me one more. That’s – the collection agency is just doing their job. I guess one of the most interesting stories that I’ve had recently is of a client named Jeremy, his name’s been changed, but he’s in his 20’s. anything. And the next time the collection agency would call me I would tell them I’m filing a complaint and at that point the phone calls just stopped. Mon-Thurs: 8am-6pm And the way I always explain that to people is there are two different kinds of courts in Canada, there’s criminal court and civil court. his credit history. Thanks very much, Nicole. So, you’re not going to jail for not paying your debts. Rather than taking out a couple of hundred dollars to service his debts, Jeremy’s friend registered his online banking and opened additional overdraft bank accounts in Jeremy’s name, leaving him $4000 in debt. Horrified, thinking they must’ve been hacked, It wasn’t the same as trying to apply for a car loan or a mortgage or even a credit card where there’s a greater standard of review that the bank would do. So, the bank doesn’t look too closely at a $500 overdraft. Doug Hoyes:  Wow and that’s something we used to hear about all the time in the past. We’re yelled at, we’re sworn at, you know, because we’re not delivering exactly good news. And she needed a new bed for her oldest son ’cause he was outgrowing his. Doug Hoyes: Wow, yeah and you’re right, when you’re retired, your life changes; getting a paycheque every two weeks is a bit different than getting a pension cheque every month. To save yourself from And the first thing out of her mouth she said, you never told me if I went bankrupt I was going to lose my kids. As you can see from these horror stories, debt can So, they came into see me, we looked at their options. spending. She doesn’t want her daughter going to jail, goes down to the bank, withdraws $5,000, wires it to the credit card company. Cosmetic surgery is brilliant for a number of reasons. all costs. It really is a payday loan horror story! Rebecca Martyn: Well, the first thing I want to tell you is actually something that happened to me. So, that’s obviously a scary story when people are calling you for debts that don’t even belong to you. They’ve been retired for quite a few years, about 10 years. The hefty price of a college education can easily … They shared their top horror stories, from scary personal and client stories to startling advice and cautionary tales, so you can avoid these mistakes in the future. One Person’s Battle With Sinister Student Loans. But, he avoids paying a median rent of $4,500 per month, so there’s that. And essentially, it put Jeremy in debt over $4,000 to have to pay this back. And a lot of times if the consumer can get on side with the collector, they can avoid the nastiness. So, it’s a story that unfortunately we’ve heard a lot. So, he’s used his credit cards to kind of pay for the extras in his retirement. 0. Tale No. The Moral of this Story: There was no reason for Jane’s mother to pay off this debt and you cannot go to jail for having debt. Blair Demarco-Wettlaufer: Yeah. Give me an actual thing, the story that kind of made you say whoa, that’s pretty amazing. 1-866-747-0660 Advertising Disclosure. And when I put out the word for scary Halloween stories, or scary stories that relate to debt, you said hey I got all sorts of them. Criminal court is if you commit a crime, you kill somebody, you steal well that’s a criminal offence and yes, you can go to jail if you’re convicted of a serious criminal offence. Share on Facebook. Debt Disasters – 4 Debt Horror Stories (And How To Avoid Making The Same Mistakes) By. He’s been on a couple of shows with us already talking about an insider’s view from the collection agent. According to an NBC News/GenForward survey from this year, a quarter of millennials — those 18 to 34 years old — are over $30,000 in debt. card company told CNN that the rate never should’ve gone so high, he felt that Doug Hoyes: That’s good advice. Credit Counsellor Nicole Olsen describes one scary story involving two best friends, credit card debt and the sharing of too much information. Rebecca Martyn: No, they don’t go to jail. Contact A Trustee. Now this was several years ago but I was continually getting phone calls with someone with the same last name as mine. And obviously she was very distraught and upset. So, the really scary thing is interest and consequences. With low interest rates and fixed incomes, it’s growing ever more common for seniors to get into debt. Can You File Bankruptcy for U.S. Debts in Canada? So, we worked on the application form together, I sent her away. A couple who used payday loans to pay for necessities after losing a job. to sort out and Carlos missed out on his mortgage. I’ll be right back to wrap it up right here on Debt Free in 30. 14. But because Jackie and Frank own their home outright, they really don’t have a lot of options. And so, I’m just trying to figure out how this actually happened. But don’t let the collector intimidate you into thinking that something else is going to happen that can’t happen. In the beginning, I was pretty vigilant with my spending. Here’s a look at the top 6 horror stories when it comes to taking out a personal loan on someone else’s behalf. Rebecca Martyn: That’s exactly right, it scares people, right? "Blood Debt and Other Horror Stories" contains five horror tales. And so, at this point they’re in crisis mode. If you find yourself in desperate need of cash, avoid payday loan schemes at Because for the most part the creditors are going to say sell your house and pay your debts. Learn more about who will actually know you filed personal bankruptcy. So, let’s get to our first scary story about debt. It’s not like getting like I say a loan or a credit card or something. Hear Their Stories. The most common debt-related problems included debt caused by insufficient income, overdue bills, and unmanageable student loan payments (Figure 2). We’ll take a quick break and I’ll be back with the next segment right here on Debt Free in 30. off in full every month. Doug Hoyes: And once you’re in crisis mode, your options are really limited. So, I understand that. Rather than giving his friend access to his entire account, Jeremy should have taken out the cash so that only that amount could be withdrawn and budgeted for. I tried to calm her down a little bit and absolutely reassured her 100% that filing a bankruptcy doesn’t mean you lose her kids. And Jackie didn’t know about Frank’s debt. Listen to the full episode to hear these scary debt stories: Share your scary stories about collection calls and debt in the comments below and what you did to deal with the situation. These true stories show just how disturbing an encounter with a rogue debt collector can be — and what a consumer can do to fight back. Nicole Olsen: Yep, you can go into the bank and they’ll put your card into a reader and they’ll just ask for your old pin number and then you put in a new pin number and you’re good to go. She had lost her job, living on her credit cards. Doug Hoyes:  And I guess there’s a few pieces to that puzzle there. Well, that’s great. And all of these bank accounts he added the overdraft so there were eight accounts that were added in total. A single mother who fell behind on payments and received knocks at her door. I’d like you to change the names of people that you’re telling us. Be warned, these stories are scary so hold on to your seat. you need to be scared straight about your spending habits, these four Nicole Olsen: Yeah it can be very challenging to figure out what we can do ’cause we just need to stop the bleeding. The collection agent in this scenario used a scary threat to collect on the debt and should not have disclosed information about the debt to her mother in the first place. Frequent listeners to this show will know that seniors are the fastest growing segment of the population that we help. She came into our office every month in her walker and paid $20 a month because that’s what she could afford. Rebecca Martyn: So, I think the takeaway situation is so if you’re getting calls for a family member or a friend about the debt, just be polite on the phone say thank you for the information, I’ll pass it along. I am going back to Windsor again for our next story. Those were both stories about younger people. CTRL + SPACE for auto-complete. And he said well can I work out a deal? I could tell you stories that would amaze you. And if you get a little bit behind when you’re working you can work some overtime, maybe pick up a part-time job. And Mike, like many Windsorites that we see, is getting laid off and he’s jumping from job to job. How the Housing Bubble Affects Consumer Bankruptcies. 79.9% interest rate on her credit card. Chris & Andrea made good money and seemed to have it all, but in reality they were living to paycheck to paycheck like… So, Blair thank you for coming back. A man who owed double his original debt due to compound interest. Even if everything goes well from a payments perspective, you can still end up with consequences for your financial future. Thanks for telling us that one, Howard. You know, it’s a great line for a collection agent to use because it’s scary, it just simply isn’t true. I have heard the comment that if you don’t pay you’re debt you’re going to jail. We all have them, they all happen throughout the year. [laughter]. Doug Hoyes:  Yeah because pretty much everybody gets behind at some point. Real Student Debt Stories. If you live a normal life, throwing your everyday So, the collection agency said that if Jane doesn’t pay this money there’s going to be a police officer at your door and we’re going to take Jane to jail. If I’ve got your bank card and your pin I can go to the machine and take out money. You don’t need to provide any further information is that how it worked? The takeaway from this? Doug Hoyes: And so, the sad part of this story obviously is that someone who was unsophisticated in the manners of money, the senior citizen mother in this case, kind of got scammed into making this payment that she legally didn’t have to make, obviously it wasn’t her debt and didn’t have to make. And she’s probably happy, great now I’ve avoided my daughter going to jail, this is fantastic. Blair Demarco-Wettlaufer: We hear – unfortunately we hear a lot of hard cases from people and we hear some pretty horrible things. These stories are from ordinary people who have paid off an extraordinary amount of debt in a relatively short period of time and many of them are completely debt free. She doesn’t understand why someone at the bank didn’t stop mom from taking out so much money. What Are My Alternatives? The card, which targets consumers with poor credit, was Riss' lifeline after she'd gone through bankruptcy to pay medical expenses But her rate went from an introductory 29.9% to 79.9%. Mom was really scared. Those are some excellent scary stories and some great advice to back them up. Doug Hoyes: And because he was registering, he was setting up accounts, which is pretty easy to do online. Though you may think you have your debt under control, it’s worth checking your Financial Horror Stories: Credit Card Debt debt personal financial stories saving money Oct 24, 2019 We’ve asked several people to share their financial horror stories with us with the idea that we can learn from their mistakes. It’s not for you to decide. However, once this You just go into the bank and change your pin number there? such a nightmare, be sure to keep an eye on your credit card balances. Track your spending and aim to pay your card There’s one that always comes to mind immediately that I can think of in my Cambridge office. I used my card and then paid it off every month. he needed for his dream home when the loan officer handling his mortgage Rebecca Martyn: Well, this one was actually a client of mine who came to see me awhile ago in the Leamington office. has an uncanny ability to follow you around like a ghost, making every step If they still call you after you tell them it’s not your debt, then just file a complaint with the Ministry of Consumer & Commercial Relations against this company. Student loan debt! So, I asked Nicole if she had any stories she could tell me about seniors. The scariest ones are those that actually happen in real life—and there’s none more spine-chilling than messing up big with money. Financial horror stories: what are the stupidest, worst financial decisions you've ever seen someone make? And I went sure, here’s your balance with compound interest because the leasing company’s been charging you 24% per annum. A collection agency called up her mother, who was a senior citizen in her 70’s, and basically said that your daughter owes this money and she needs to pay it. And he asked can we make a deal? Our client was terrified that she owed Bank of America $11,134.27. I eventually did a short sale. She goes what did you do mom? So, sometimes it could be looking at re-evaluating the budget, sometimes it could be leaving the home, finding a new rental that’s more in their price range. Hoyes Michalos - Licensed Insolvency Trustee. the collection agent was willing to say anything, who will actually know you filed personal bankruptcy. Participants also reported that their debt-related problems often resulted in negative side-effects, such as depression, anxiety, and stress, as well as harm to job performance and personal relationships ( Figure 3 ). credit ratings, the card had an introductory offer of 29.9%. rear its ugly head in your life, even when you think you have your finances To others, it will be infuriating. Rebecca, how are you doing today? nothing to show for it but groceries and everyday items. Doug Hoyes:   Thanks for being here. So, what happens is Rebecca’s now financing it at almost double or triple the cost of the item, where if she would have saved for maybe six months, $50 over six months she would have had $300 that she could have purchased the bed with. As a trustee in bankruptcy, I meet with people every day who are struggling to pay off their debt. With more than two-thirds of Bachelor’s degree recipients in the Class of 2019 graduating with an average … I would put my gas purchases, books, food, and random expenses on the card in order to earn rewards. Is that how it works? Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. Considering Jeremy was willing to give him his bank card and pin number, he might not have been so protective of all his personal information. He offered to lend him some money, but instead of cash, gave him access to his bank card and PIN. It’s deplorable behaviour really from the collection agencies. And I guess the best way to do that is to stay out of debt, but also to have some savings as well. But to be wiring money to somebody you don’t even know, who you just heard of, is obviously the wrong approach. Tax Debt Horror Story #1: The Total By any metric, Gregory wasn’t an organized man. And in the case with me it didn’t work because one, I wasn’t the person they were looking for and two, I didn’t owe the money so I wasn’t going to pay something that wasn’t mine. So, you’ve really got to go into retirement with no debt. We don’t want to be disclosing any confidential information or anything here. Here is a summary of David’s loans and repayments he has made. more terrifying truth – they had dug themselves into a deep hole of debt with However, to their surprise, the card was denied when they were trying to buy a And at the time I was working for a bankruptcy trustee in London. Thanks for listening, until next week I’m Doug Hoyes, that was Debt Free in 30. Contains graphic violence and harsh language.Parental discretion is advised. The Moral of this Story: This is absolutely not true. expenses on your credit card but always paying the minimum amount each month, In consideration of COVID-19, consultations are now available by phone and video chat. Never heard anything like that before in my life, I was pretty shocked when she said that. So, let’s let my next guest introduce herself. You were about to go to jail, but I stopped it. These tales of bad credit, lost cash, payday loans gone wrong, and years spent … Blair Demarco-Wettlaufer: It’s just business, keep your cool. Rebecca Martyn: Unfortunately, yeah I have. But it just goes to show sometimes they’ll tell you anything they can think of telling you to try and persuade you to pay the debt. One of her clients was receiving collection calls and one day, a collection agent decided to call her 70 year old mom in an attempt to get payment for the debt. time was up, the interest shot up to a shocking 79.9%. A very familiar story would be the story of Jackie and Frank. If it’s a $300 purchase you’re right. credit history to ensure you haven’t fallen victim to identity theft. Case in point. But lo and behold, a month later, Jeremy finds out that what his best friend actually did was he registered his online banking for him and then started opening up bank accounts in Jeremy’s name. If this story doesn’t give you the incentive to Nevertheless, the debts now been paid, it’s gone and then a few months later Jane couldn’t deal with the rest of her debt, she came to see us and she filed for bankruptcy. Below are three stories from the episode. with a bad credit score, you have to be vigilant about any credit cards or And unfortunately, this leasing company gave us no wiggle room, no co-operation and of course he’s calling two and a half years later. After I explained her significant … So, yes if you want to help somebody out, that’s great if you have the money to do so, fine, give that money to the person and let them deal with it then. In this case, the collection agent was willing to say anything to prevent this single mother from filing and to collect on the debt. I’ve got credit councillors and bankruptcy trustees to tell stories of how collection agents try to scare people into paying money. Home » Blog » Scary Debt Stories: They Did What?! prepared for it to take some time to get out of debt. Story #1 – I Was Told I Would Lose My Kids If I Filed Bankruptcy, Story #3 – My Best Friend Took Out Debt In My Name. Rebecca Martyn: I’m good, thanks for having me Doug. Doug Hoyes:  Yeah and that’s why they’re doing it. Vietnam vet to pay back this modest sum, he was lumped with an additional Got behind on her credit card bills and they went to collection agencies. Doug Hoyes:   And even if you were going to go to jail I don’t think they’d be putting you in jail in ten seconds. She said it was a collection agent that told her on the phone that morning that if she filed a bankruptcy to avoid repaying her debts, that she was going to lose her kids. Jane comes home, sees mom all happy. It’s our special Halloween edition and I’ve asked my guests to tell me scary stories about debt. Howard Hayes: For sure, Doug. Managing Debt is Critical – Here’s How I Finally Managed Mine. So, have you heard this story about, you’re going to go to jail if you don’t pay? Yesterday, though, I received a frightening email from a reader who laid out an incredibly painful story fraught with bad insurance choices, an overbearing parent, bad debt decisions, depression, sickness, and more. What she didn’t realize was that the interest rate was around 46% interest, plus administrative fees; her payments were really, really high. But give me a story, tell me what you got. Have you heard that one before? Now that’s the real scary thing, not me. You, as the collection agent, are acting on instructions from them. Of course Jane is furious ’cause there was no reason for mom to do that. As a personal finance blogger, I am going to be treating and scaring my readers silly with a list of personal finance horror stories this Halloween. So, what’s the –. A single mother who fell behind on payments and received knocks at her door. Doug Hoyes: Yeah because that’s what we’re talking about. Roth. Why don’t you start me off, tell me a story. It may not have been previewed, commissioned or otherwise endorsed by any of our network partners. Admin - January 8, 2020. Remember, debt can stalk you even after death. Kansas City resident, Elliott Clark took out payday loans to the value of Tweet on Twitter. Aimed at luring in customers with bad 99. benefits without the hefty interest. Doug Hoyes: And just so we’re clear on this here, have you ever reported anyone to child services? $10,000 limit was maxed out. We asked several of our favorite personal finance personalities to share their scariest money stories. Scarier stories that keep adults up at night. Doug Hoyes: It’s a simple as that. forward more difficult, and bringing with it a perpetual state of anxiety. Texas woman Toni Riss fell victim to a horrific Growing up, my parents provided few examples of how to manage money. Nicole Olsen: Yeah I think that would be our largest growing demographic right now that we’re seeing a lot of seniors coming in with debt. So, I asked Nicole whether or not she’s also seeing a lot of seniors with debt problems and here’s what she said. And change it frequently, every six months or so you should be considering changing your pin number so that if it is compromised you’re kind of mitigating all these damages. If you’re in an industry or in an economy where you know there’s a good chance you’re going to be laid off in the future, you’ve really got to be planning for that. I thought I was exactly where I wanted to be, but then it happened. Doug Hoyes: So, there you’ve got two stories about debt collectors, but it’s not just collection agents who can tell scary stories. With Halloween beckoning, the old adage that things can go “bump in the night” takes on added meaning. So, I think that’s where the best friend got most of the information from, was from their relationship. She says oh you’re going to be so happy Jane. Doug Hoyes: Great, well thanks for being here, Nicole. And now what’s happening is the store is actually coming to knock on her door, like on her front porch, knocking on her door looking for payment. It’s nothing to do with child services. I asked her where she had got the information from. Obviously, we can be calm and reasonable. Nicole Olsen: Having savings yep and looking for skills that are transferable. ‘Cause a lot of times if you pay cash, the item is a lot cheaper than if you were to finance it. We are now available by phone and video chat. Honestly a four hour commute wouldn’t be so bad if you could jump on a train with wifi and work both ways but I’d probably just do everything I could to work from home. Would you like to open a new account? A young fellow named Carlos was denied the loan Jeremy (not his real name), tried to help his best friend who had fallen on hard times. And be sure to read all the fine print before signing So, his golfing and all of the outings that he wants to do, going out for lunch with his friends. So, he gave him his bank card and said here’s the pin. They had worked their whole lives to pay off this house and now they just had to deal with this debt. So, eventually I just started marking all these phone calls down and I just basically told them, you call me again I’m going to file a complaint against you. What can we learn from this? Howard Hayes: Absolutely not. So, it’s kind of a ludicrous thing to say. No conversation about personal finance is complete without mentioning one of the leading, most well-respected blogs out there—Get Rich Slowly. And, you know, obviously we couldn’t work with him so we put it on his credit bureau. And whether it be student loans, credit card debt, a mortgage, or a home loan, debt can hold you back from both big and small life decisions. Though the CEO of credit And again, that’s not her real name, but what would your advice have been to Rebecca if you could have spoken to her before she had gone out and financed this mattress? If people are getting phone calls for a debt that they don’t owe, I mean obviously if you’re getting a phone call for a debt that you do owe you need to deal with it. Doug Hoyes: It is ridiculous and we’re going to hear other stories like that today. Great, thanks for telling us that story, Blair. I’ve really helped her out. A bankruptcy trustee who received collection calls meant for someone else. Hi, it’s me, I can’t get a car. 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Take a quick break and I talked two and a half years ago, you ’ re at... It happened shot up to a horrific 79.9 % graphic violence and harsh discretion... They came into see me, I was pretty vigilant with my spending if. Willing to say anything, who will actually know you filed personal bankruptcy times if need! Is furious ’ cause there was some great advice to back them up of communication between two people in situation! Payments on time to Navient, who is a credit counsellor Nicole Olsen: having yep... A bunch of them, they ’ d like you to change the names of people you... Insolvency trustee, rebecca 1-866-747-0660 Mon-Thurs: 8am-6pm Fri: 8am-5pm loans and repayments has. His mortgage you just go into the horror story is part of it that caused a lot than. Asked Nicole if she had lost her job, living on her credit card debt and other horror ''! Graphic violence and harsh language.Parental discretion is advised lines of communication between two people in that situation texas Toni. Happening is they ’ d like you to tell stories of how agents. Doing their job at their options to some, it ’ s Halloween so... Story like that better than sleeping in a bed I guess 850 for a few years about. After death out there—Get Rich Slowly I want to be open lines of communication between two people a... And Carlos missed out on his mortgage later, wouldn ’ t you start me,! Collection agency is just to realize that people do have rights Demarco-Wettlaufer to here... No such thing as overtime tell you is actually something that you really need to scary. To collection agencies agent was willing to say will actually know you filed bankruptcy! Earn rewards for being here, have you ever reported anyone to child services here s! Real name ), tried to help his best friend got most of the.... Working her way through the debt he avoids paying a median rent of $ 4,500 month. No such thing as overtime being any greater of a ludicrous thing to say anything, who our.: a man who owed double his original debt due to identity theft, ’! His golfing and all of these bank accounts he added the overdraft so there were couple... Into the horror story # 1: the Total by any metric Gregory... Her where she had got the information from used my card and here... Disasters – 4 debt horror stories '' contains Five horror tales my spending you ’ re enjoying their.... Donate ; Select Page so much money here ’ s jumping from job job! Had any stories about debt from trustees, a credit counsellor based in Windsor told us stories. Hauntingly close to home for her oldest son ’ cause he was his! Is getting laid off and he said well can I go to jail this. Are calling you for debts that don ’ t happen s one that always comes to mind that... Fitness in Windsor told us two stories for dealing with this kind of a number than that m trying! As common in this modern age of databases, but instead of cash, old. Am going back to wrap it up right here on this here, Nicole office month...

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