wow, how stupid are you? I can understand opening an account then losing your job within a month or so but to start up a new loan when you have been out of work for the last 6-11 months is just ridiculous.

I talked to 5, yes i said 5 people that opened loans in the past6 months but have been out of work for at least 6 months before the loan was open! This lady tells me,

"I already said I was out of work"

yeah she did, but only after the collection calls started, not on her application for credit where she verified she did have income and was able and willing to make payments. She flat out lied on the app, then admitted to being a liar, then said it was my fault she didn't read the papers before using "my" money on fake fingernails and burritos.

The other 5 were basically the same with the exception of one guy who did what he did to pay for household expenses to keep his family alive. He had a plan. He got the loan, paid the bills he was behind on (lights, gas,phone, water, etc) then the next month he defered a house and car payment and paid the debt off to me and closed out the line of credit. Now he is back on track.

one out of 5?? Only 20% of people that lie about having income then being stupid with their money actually have a plan?

These 5 were out of 10 people I actually talked to. 1 person forgot to make payment. 3 were due to medical and will "allegedly" make it up next month, and 1 was someone that didn't understand that monthly payments meant to pay every month.

2 out of 10 make a payment? again 20% of people are willing to keep a promise.

I made contact with 30 primary people today. This means that I verbally spoke to the number one person on the account and they verified that it was indeed them.
5 were the ones not working for 6-11 mo.
5 were the ones that actually had excesses no matter how flimsy
20 either hung up as soon as they found out who I was or screamed at me first then hung up. Either way they weren't even creative enough to stay on the line.

2 of 30 people able and willing to make payment.

6.66% of people that were not total deadbeats.

that's embarrassing.