Foreclosures and Irresponsible Home THIEVES

[Drolefille]

Originally Posted by aggieAXO

Many of the people I see committing the fraud are simply shady. Pay your bills and you won't get into trouble or don't spend what you don't have.

There's a big difference between not being able to pay your bills and committing fraud. They're way on the other end of the spectrum from each other.

Even if they're no longer attempting to make payments, doesn't mean they incurred those debts with that intent. I won't deny that people who legitimately commit fraud are in the wrong. But they're not the majority of people failing to make payments.

[aggieAXO]

My experience is they are committing fraud. We do alot of promise to pays for services and have found that less then 5% pay their bill (and my boss is very lenient, even 5$ a week will work-just give us something). We send then 3 notices that they are going to collections-sometimes these people give us fake addresses and phone numbers that are no longer in service. If they get caught and go to jail-I have no problem with that. These people signed paperwork wiithout any intention of paying their bill. It happens everyday where I work. On some nights I will have many people who come in without the intention of paying (but they have nice manicured nails, designer purses, last week a guy refused to pay and he was driving a porsche SUV).

[knight_shadow]

Originally Posted by aggieAXO

My experience is they are committing fraud. We do alot of promise to pays for services and have found that less then 5% pay their bill (and my boss is very lenient, even 5$ a week will work-just give us something). We send then 3 notices that they are going to collections-sometimes these people give us fake addresses and phone numbers that are no longer in service. If they get caught and go to jail-I have no problem with that. These people signed paperwork wiithout any intention of paying their bill. It happens everyday where I work. On some nights I will have many people who come in without the intention of paying (but they have nice manicured nails, designer purses, last week a guy refused to pay and he was driving a porsche SUV).

You don't work with mortgages, do you?

I don't think it's true that homeowners WANT to put their $200,000+ homes in jeopardy, just so they can stick it to the man.

ETA: If only 5% of your company's customers pay, why doesn't your company tighten its lending policies?

[Drolefille]

Originally Posted by aggieAXO

My experience is they are committing fraud. We do alot of promise to pays for services and have found that less then 5% pay their bill (and my boss is very lenient, even 5$ a week will work-just give us something). We send then 3 notices that they are going to collections-sometimes these people give us fake addresses and phone numbers that are no longer in service. If they get caught and go to jail-I have no problem with that. These people signed paperwork wiithout any intention of paying their bill. It happens everyday where I work. On some nights I will have many people who come in without the intention of paying (but they have nice manicured nails, designer purses, last week a guy refused to pay and he was driving a porsche SUV).

What field are you in? Do you think that your views might be colored by your experiences and that it gives you a false perception of numbers?

I have a friend who works in insurance fraud, he knows better, but he gets himself in the habit of thinking that EVERYONE is cheating the system. He's good about catching himself when it happens though. (His opinions of the employees who send him the not-actually-fraud cases are just as low at times.)

[SWTXBelle]

The debtors prison model has been tried.
It wasn't very successful - (see Dickens).
The punishment for those who don't pay their bills is they tank their credit.
Imprisoning them doesn't serve anyone's interests - it costs the taxpayers, and the creditors don't get their money.