Showing posts with label Debt Harrassment. Show all posts
Showing posts with label Debt Harrassment. Show all posts

Wednesday, March 4, 2009

Random Thoughts

I finished Something Blue tonight and unlike many readers who have reviewed the book, I did not like Darcy by the end. She was so repulsive in the beginning, it made her sudden overnight change all the more absurd and ended up making me dislike her more. And the book just got cheesier and cheesier. I wanted to projectile vomit by the end of it. I don't even get how Ethan was friends with her because he didn't seem to like her much in the first book. And then to fall head over in heels in love with her and then marries her? Give me a friggin break.

If you didn't read the book, that was the ending. My bad.

And even with her little transformation from shallow vapid cunt to the next Mother Theresa, she still did not see anything wrong with what she did. It was just all Rachel and Dex hooking up. Let's just all forget that not only did she cheat with a guy, but also got herself knocked up. My eyes rolled so much reading this book, its amazing my contacts aren't stuck in my brain somewhere.

Another thing that annoys me in these books is the constant celebrity name dropping.

I also read Baby Proof over the weekend and that was pretty intolerable as well. It's weird, because Emily Giffin is a good writer. It's just the characters in her books are so irritating.

Onto other things. In tradition of providing my family with good luck, two weeks ago, our doorbell rang. My father answered, went outside with the person, and then came in with paperwork. He got served. He received a subpoena from good old Chase Bank. Chase Bank is the devil. Look, I can see from different points the absurdness of debt. I don't even know how we are in debt. Our house isn't great, my dad drives a crap car....we have nothing to show for our debt. So how the hell are we in it? But that's not the point. Chase just raises and raises and raises their APRs. If my father couldn't pay off the debt, will raising the APR get you your money quicker?

And then to make matters worse, Wamu, the one credit card my father was handling well, is brought out by fucking Chase! And BOOM! The interest rate shoots up again!

I have one Chase credit card, through Kohls. I haven't even used it in a few years, but seeing how they live up to their name, I want to get rid of it. If I ever receive another Chase credit card application in the mail, I will take the application, write FUCK OFF GREEDY BASTARDS on it in big huge letters and in permanent marker, and mail it back.

There is no way my father is going to be able to give them their money. He keeps making a big stink about filing bankruptcy, but really he is not going to have a choice. He can't pay the $25,779 and some odd cents he owes them. He can't afford the monthly minimum. I don't know why he won't just listen to me. He doesn't like that it makes your credit report look bad. Yeah, because making late payments and never paying Chase is really going to make your credit report look great. My father is really fucking stupid sometimes. NJ Lawnet says what I say:
Though bankruptcy puts a bad mark on one's credit rating, the overall effect of it can be less harmful than a record of debts and/or judgments that cannot be paid.
I tell both of my parents to call and either 1. tell them you are going to transfer the balance to credit card with a lower interest rate or 2. threaten bankruptcy. Do they listen to me? They probably won't listen to me either, provided my father ever gets a lawyer, when I tell my dad to make sure to tell the lawyer that Chase threatened him with jail. Oh, and that they also called our next door neighbor multiple times. And that they also have a tendency to make anonymous calls. We can have 5 different numbers on our caller ID and they are all from the same exact place.

This has me really pumped up and angry right now. I am never getting to bed.

Sunday, December 14, 2008

Things That Annoy Me Part II

The names women call their breasts- whether it be actual names or terms like "the girls" or "ta-ta's" or "twins" or god only knows what other terms exist....they are breasts. Or boobs. Every time I see the bumper sticker for Breast Cancer Awareness that says "Save the ta-ta's", I want to scratch someone's eyeballs out. Aside from my giant beef with the whole pink/ Susan G. Komen/breast cancer awareness crap, it's incredibly tacky and extremely classless.

My weight- I am sick of battling with it. I have the exercise part down; I just need to get the eating healthy part going. I'm also sick of people looking at me and saying how slim I am. I am 158 pounds. That is not slim. Far, far from it.

Weight loss "celebrities"- you know. The ones in People and shit that are normal people and they lose weight. And they lie out their asses. I just saw one recently with a lady who is 5'3 and 176 pounds and says she wears a size 12. Who is she fucking kidding? A size 12? At 176 pounds? I don't think so. No friggin way. I wore a size 12 at 150 pounds.

Ugg boots- they are especially horrendous when they are worn over sweatpants or velour pants

Pants with writing across the back-end

MTV- Your name is Music Television. Where is the music? This goes for you as well, Vh-1. Either play music again or change your name to RBRStv (rich brat reality shows).

My hair- I have a crooked hair line and it is impossible to straighten. The only thing that straightens it is an actual clothes iron. Today I managed to get it straightened, but in turn, the ends flipped out like crazy. Think Lady Miss Kier in the beginning. No, I did not do it on purpose.

McDonald's- I thought it was supposed to be cheap. I ordered a Southern Style chicken sandwhich the other day and the friggin thing cost me almost $4. And the chicken didn't even cover the entire bun! Plus, anymore when I go, no matter what one I go to, the fries are salted like it's salt's last day on earth. I don't even work nor have I ever worked for McDonald's and I know that fries are supposed to be salted in a triple arch pattern.

The economy- all of the stores going out of business and all of the people being laid off....it's depressing the hell out of me. I went out to compare 3 desks tonight that I am looking at and I found out that the National Wholesale Liquidators near me is closing. Yeah, it's kind of a creepy store, but it depressed the hell out of me to see it closing. I always kind of liked going there.

Technical schools- they are supposed to be an alternative to college and yet the cost a fortune to attend. I looked at ones in my area and how much for the medical assistant programs and most ran, at the very least, $10,000. Yeah, I am going to pay $10,000 so I can maybe make a little over double that when I come out. The hell with that. And god forbid should you request one simple piece of information from a school. Then they will harass you at least once a day with phone calls.

Credit card debt collectors- they are absurd with their phone calls. We have ones calling for my father that call 6 or more times a day. I wish I knew more about the law because I would love to know how many of these DCs are breaking the law. My father has already been threatened with jail, so there is one law broken. They have called my next-door neighbor repeatedly, even after my mother screamed at them to not call her. I strongly dislike most lawyers and the legal system, but there are times I wish I was one or knew one.

Movies that fall into the following category- movies where a teen that is supposed to be a geek a nd falls in love with the most popular guy in school and trips and falls in front of him every time she sees him and then finally wins him in the end, football movies, comedians that once did really vile comedy and now do stupid family movies, talking animal movies, movies where kids become spies or agents of some sort, movies where ghetto hoodlum kids wake up one morning and decide to become dancers and that takes them out of the ghetto life....none of these storylines I would be bitching about if they have not been done over and over and over and....you get the point

My foot- which just stepped on my purse and cracked 3 of my Deee-Lite CD cases