CoverDrive

I keep getting these calls. One time I decided to play with them. I had the guy on the line for about 15 minutes before I started to laugh. He muttered something under his breath and asked me in his very Indian accent if I knew what a MF'er was. I said yes, to which he replied "Well you are one!" I replied that not only was I a MF'er but the mother I f'ed was his and that he should call me daddy. Apparently he did not like that and he disconnected.

First rule of Credit Boards is you DO NOT talk to debt collectors. Second rule of credit boards is YOU DO NOT TALK to debt collectors. But seriously, make all communication written because words are wind and you cant prove anyone said anything without it in writing.

First rule of Credit Boards is you DO NOT talk to debt collectors. Second rule of credit boards is YOU DO NOT TALK to debt collectors. But seriously, make all communication written because words are wind and you cant prove anyone said anything without it in writing.

http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2330942 There is a .pdf file to download. Lots of interesting info. The abstract is below. Abstract: We analyze the effectiveness of consumer financial regulation by considering the 2009 Credit Card Accountability Responsibility and Disclosure (CARD) Act. We use a panel data set covering 160 million credit card accounts and a difference-in-differences research design that compares changes in outcomes over time for consumer credit cards, which were subject to the regulations, to changes for small business credit cards, which the

Bump

Absolutely. I asked for a PFD and they sent a letter stating that they would do so.