Cross-Eyed, Terminally Fat, Partially Deaf, Simple-Minded DUmmy In Debt

[GOBUCKS]

Well, this is a disappointing surprise. The cross-eyed, terminally fat, partially deaf, simple-minded DUmmy Hawkeye-X, despite dual incomes from   fraudulently obtained Social Security disability and from running his father's internet scam company, is nonetheless drowning in installment debt. On second thought, I guess it isn't really a surprise:

Hawkeye-X  (1000+ posts)        Sat Apr-10-10 06:53 PM
Original message
Debt consolidation? Is it even worth it?
My wife and I are thinking about debt consolidation - is it even worth it? We are carrying about 20-25K worth of debt, and we are having trouble paying it down, my wife wants to consolidate all the debt into one big monthly payment. Is it even worth it?

And if so, what company/organization would you recommend?

Hawkeye-X

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=389x8127707
Man! That kind of debt load is going to put a strain on the cross-eyed, terminally fat, partially deaf, simple-minded DUmmy's plan to enter veterinary school and specialize in something that doesn't require him to study math or chemistry. He won't be able to whisper at horses or dogs if he's got bill collectors chasing him.
What to do?
Well, DUmmy Hawkeye-X, if you need financial advice, the DUmp is the place to go! Let's see what the democrat personal finance experts have to say:

Cronus Protagonist  (1000+ posts)      Sat Apr-10-10 06:54 PM
Response to Original message
1. Default on it all
Your credit will not be damaged any worse, and you won't have to pay a dime.

Warren Stupidity  (1000+ posts)        Sat Apr-10-10 07:03 PM
Response to Original message
2. I'd recommend a good personal bankruptcy lawyer.
And no, debt consolidation is hardly ever 'worth it'.

Well, the first two DUmmies are unanimous on one point. Any time debt becomes a burden, just don't pay it. Burden lifted!

yodoobo  (1000+ posts)      Sat Apr-10-10 07:11 PM
Response to Original message
3. usually not.
I've been there.

After consolidation you'll simply owe more after fees and likely a higher interest rate.

DUmmy walldude knows all about financial distress. He lost his half-assed job when a lousy freeper tipped off his boss about some sabotage walldude  bragged about at the DUmp. Damn freepers:

walldude (1000+ posts)        Sat Apr-10-10 07:21 PM
Response to Original message
4. I checked out a few places once awhile back
probably close to 10 years now so this may not apply anymore. The places I checked out wanted to totally take over my finances. In other words my paychecks went to them, they paid the bills and gave me an "allowance". Sounded fishy to me so I bailed.

I think DUmmy walldude is lying about having a paycheck. Anyway, the DUmmy financial experts are in agreement. Bankruptcy rocks!

Too bad DUmmy TwixVoy hasn't chimed in. His advice would be to declare bankruptcy, buy gold, and leave the country.
 
 

[franksolich]

Oh my.

You know, it is possible the cross-eyed Iowa primitive blew a chunk of money last Thanksgiving--remember, his in-laws took his wife and him to Las Vegas.

Maybe the cross-eyed Iowa primitive dallied too long at the roulette tables, and then started putting bets on credit cards, hoping to break the big one.

And it would be about now--four months after the first monthly statement with all of these charges--that the credit card companies would be wondering how come the cross-eyed Iowa primitive hasn't made any payments since before Thanksgiving.

Alas! the poor cross-eyed Iowa primitive! alas! better had the cross-eyed Iowa primitive, while in Las Vegas, paid a call upon the gigantic primitive and Jeanette, rather than trying to break the bank! alas! and with their out-of-town fellow primitives, the gigantic primitive and Jeanette could've taken them out to a fancy restraurant for Thanksgiving dinner, rather than wading ankle-high in water and wet paper and feces in the bathroom! alas! alas for all four of them!

[The Village Idiot]

National bankruptcy is not going to rock.

Especially for the entitlement zombies.