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You'd have to be crazy to do that in the first place.

Go to the Center for Responsible Lending and just read some of the horror stories. Hell, from the 11 years I worked in the crooked industry, I could tell you things that would make you puke and blush. I am now on a mission to try and educate consumers as much as possible about these pitfalls. Peace.

catamount man wrote:Go to the Center for Responsible Lending and just read some of the horror stories. Hell, from the 11 years I worked in the crooked industry, I could tell you things that would make you puke and blush. I am now on a mission to try and educate consumers as much as possible about these pitfalls. Peace.

Thats a good thing to do. Many people just see the money they get up front from loans and don't think too much about paying it back. Same goes for credit cards.

slycat wrote:

catamount man wrote:Go to the Center for Responsible Lending and just read some of the horror stories. Hell, from the 11 years I worked in the crooked industry, I could tell you things that would make you puke and blush. I am now on a mission to try and educate consumers as much as possible about these pitfalls. Peace.

Thats a good thing to do. Many people just see the money they get up front from loans and don't think too much about paying it back. Same goes for credit cards.

I wasn't in title loans, but small consumer loans. "FINANCE COMPANIES" as they were called. I always wondered what it was we were financing? Sheesh..........anything I can do to help somebody avoid this, I will.

catamount man wrote:

slycat wrote:
Thats a good thing to do. Many people just see the money they get up front from loans and don't think too much about paying it back. Same goes for credit cards.

I wasn't in title loans, but small consumer loans. "FINANCE COMPANIES" as they were called. I always wondered what it was we were financing? Sheesh..........anything I can do to help somebody avoid this, I will.

I applaud your consumer awareness efforts!

the average consumer is a moron.

JayJ79 wrote:the average consumer is a moron.

there is some truth, but unscrupulous lenders, and I know plenty, just have no conscious. Believe me, I was associated with these people for 11 years. Trying to do what I can now to help folks.

Our state legislature tried to pass some laws fixing interest rates and such, currently there is no oversite. Two of our Reps own title companies or payday loan companies.

They got up there and laid on the sob story of how they are just out there to help the working man, and just maybe make a buck or two while providing this great service to the community.

catamount man wrote:

JayJ79 wrote:the average consumer is a moron.

there is some truth, but unscrupulous lenders, and I know plenty, just have no conscious. Believe me, I was associated with these people for 11 years. Trying to do what I can now to help folks.

Oh, I definitely agree about the lenders.

I'll just never understand why people even bother going to such places like the "payday loans" or "car title loans", or living off credit cards w/o paying at least a significant part of the balance each month.

It's only going to dig you into a deeper hole, how can people not see that?
(and unfortunately, I live with such a moron)

hank scorpio wrote:Our state legislature tried to pass some laws fixing interest rates and such, currently there is no oversite. Two of our Reps own title companies or payday loan companies.

They got up there and laid on the sob story of how they are just out there to help the working man, and just maybe make a buck or two while providing this great service to the community.

it's worse here in South Carolina. Both NC and GA have banned payday lending but still have title loans, consumer finance companies, etc, etc. I remember one company I worked for when the President sent us a Bible to be placed in the office to "show the customers that we represent what they believe". I almost puked because I knew what the Bible truly said about usury. Believe me, I hate the fact that I spent 11 years in it.

catamount man wrote:

hank scorpio wrote:Our state legislature tried to pass some laws fixing interest rates and such, currently there is no oversite. Two of our Reps own title companies or payday loan companies.

They got up there and laid on the sob story of how they are just out there to help the working man, and just maybe make a buck or two while providing this great service to the community.

it's worse here in South Carolina. Both NC and GA have banned payday lending but still have title loans, consumer finance companies, etc, etc. I remember one company I worked for when the President sent us a Bible to be placed in the office to "show the customers that we represent what they believe". I almost puked because I knew what the Bible truly said about usury. Believe me, I hate the fact that I spent 11 years in it.

Not to mention that Jesus whipped the money-lenders out of the temple.

I forgot what passage mentions that, but it would have been funny to post that in the place you were working.

JayJ79 wrote:

catamount man wrote:
there is some truth, but unscrupulous lenders, and I know plenty, just have no conscious. Believe me, I was associated with these people for 11 years. Trying to do what I can now to help folks.

Oh, I definitely agree about the lenders.

I'll just never understand why people even bother going to such places like the "payday loans" or "car title loans", or living off credit cards w/o paying at least a significant part of the balance each month.

It's only going to dig you into a deeper hole, how can people not see that?
(and unfortunately, I live with such a moron)

You shouldn't talk about your wife like that.

RobsPics wrote:

catamount man wrote:
it's worse here in South Carolina. Both NC and GA have banned payday lending but still have title loans, consumer finance companies, etc, etc. I remember one company I worked for when the President sent us a Bible to be placed in the office to "show the customers that we represent what they believe". I almost puked because I knew what the Bible truly said about usury. Believe me, I hate the fact that I spent 11 years in it.

Not to mention that Jesus whipped the money-lenders out of the temple.

I forgot what passage mentions that, but it would have been funny to post that in the place you were working.

John 2:15. I remember once I had a customer on the books who I truly tried to help, although she ultimately filed for personal bankruptcy, telling me that a worker from another company left as a message on her answering machine, "You know you really don't want to stand before Jesus without having paid us our money back." or something to that effect. I was floored!!! That's just a small bit of what kind of trife goes on behind finance companies doors.

hank scorpio wrote:Our state legislature tried to pass some laws fixing interest rates and such, currently there is no oversite. Two of our Reps own title companies or payday loan companies.

They got up there and laid on the sob story of how they are just out there to help the working man, and just maybe make a buck or two while providing this great service to the community.

Fuckin' conks.

Grizalltheway wrote:

hank scorpio wrote:Our state legislature tried to pass some laws fixing interest rates and such, currently there is no oversite. Two of our Reps own title companies or payday loan companies.

They got up there and laid on the sob story of how they are just out there to help the working man, and just maybe make a buck or two while providing this great service to the community.

Fuckin' conks.

Yeah. I'm sure it's only conks who profit from businesses like these. Grow up.

Any moron who's stupid enough to take out a loan against their car at a company like this shouldn't be on the roads with a vehicle anyway.

AZGrizFan wrote:

Grizalltheway wrote:
Fuckin' conks.

Yeah. I'm sure it's only conks who profit from businesses like these. Grow up.

Any moron who's stupid enough to take out a loan against their car at a company like this shouldn't be on the roads with a vehicle anyway.

I was talking about them two reps in particular. I'd bet the farm they're conks.

Grizalltheway wrote:

AZGrizFan wrote:


Yeah. I'm sure it's only conks who profit from businesses like these. Grow up.

Any moron who's stupid enough to take out a loan against their car at a company like this shouldn't be on the roads with a vehicle anyway.

I was talking about them two reps in particular. I'd bet the farm they're conks.

So you have no idea, but you just ASS ume they're conks? Jesus, you have sunk to new lows...

Grizalltheway wrote:

AZGrizFan wrote:


Yeah. I'm sure it's only conks who profit from businesses like these. Grow up.

Any moron who's stupid enough to take out a loan against their car at a company like this shouldn't be on the roads with a vehicle anyway.

I was talking about them two reps in particular. I'd bet the farm they're conks.

You would be correct.

This is old news. Dave Ramsey has been preaching against title loans for years.

I'd argue that a bigger issue is payday loans, particularly those that congregate just outside the gate at military bases. They snatch up unsuspecting lower (and usually younger) enlisteds and get them in so deep that they owe more than a paycheck. These ripoff artists ought to be put out of business.

hank scorpio wrote:

Grizalltheway wrote:
I was talking about them two reps in particular. I'd bet the farm they're conks.

You would be correct.

I rest my case, Z.

catamount man wrote:Go to the Center for Responsible Lending and just read some of the horror stories. Hell, from the 11 years I worked in the crooked industry, I could tell you things that would make you puke and blush. I am now on a mission to try and educate consumers as much as possible about these pitfalls. Peace.

Further proof that religion provides no guarantee of moral behavior. Funny, you don't hear about atheists ripping off the ignorant or poor.

D1B wrote:

catamount man wrote:Go to the Center for Responsible Lending and just read some of the horror stories. Hell, from the 11 years I worked in the crooked industry, I could tell you things that would make you puke and blush. I am now on a mission to try and educate consumers as much as possible about these pitfalls. Peace.

Further proof that religion provides no guarantee of moral behavior. Funny, you don't hear about atheists ripping off the ignorant or poor.

Indeed and I know I have a long road back from the stigma of being in that biz for so many years. Nice of you to point that out Jeff. Never miss an opportunity there big guy?

catamount man wrote:

D1B wrote:
Further proof that religion provides no guarantee of moral behavior. Funny, you don't hear about atheists ripping off the ignorant or poor.

Indeed and I know I have a long road back from the stigma of being in that biz for so many years. Nice of you to point that out Jeff. Never miss an opportunity there big guy?

Thanks Cman. Call me St. D1B from now on.

Have a happy Kwanza.

I don't celebrate Kwanzaa and have no desire to celebrate it. It means NOTHING to me. Merry Christmas Jeff!