I don't know, this sounds like bullshit. Yes the various office bureaucrats we deal with in ordinary day-to-day life might treat a scribble in pen as a super magic unbreakable oath (whereas a digital scribble that I can sort out when I'm on the bus is somehow totally untrustworthy garbage), but surely this "I signed with a keyboard and not with a pen" excuse wouldn't stand up in a small claims court. The judge or arbitrator or whatever would tell you that this sort of technicality doesn't mean shit. The only reason the debt collectors might leave this redditor alone for a bit is because they can't be fucked getting a judge involved just yet and/or they're even stupider than the redditor is.
I think you’re right, but when it comes to debt collectors from what I understand you can often make it such a pain in the ass for them to get it that they decide it’s not worth paying someone to do the work. Going to a judge, finding original files (especially if your debt has been sold to different firms several times), and double checking laws all take labor, and labor costs money.
Very interestingly, when my father passed away, he had lots of college debt in his name. I think when he signed it, he also added my mom's signature to it as well. When he died, they tried to come after my mom for the loan, but she somehow proved that she never signed for it, and it was discharged.
I want to believe this, but this sounds almost as legit as those "say this line and the cops legally have to fuck off" bullshit that libertarian types love.
Pretty sure (if real!) this only works because along the line somebody lost their original promissory note, faked it badly, and now several SLABS later it's too much of a hassle to figure out
Note that sold debt sometimes miraculously multiplies, so asking for verification is in fact important.
“say this line and the cops legally have to fuck off” bullshit that libertarian types love.
"I'm white and you can't fine or arrest me." ???
holy shit in canada you literally just do an interac e transfer, which is like venmo or cashapp but like regulated by the feds so its all standardized and easy
In the US you get sent a forged document by some legal goons subcontracted by an entity that doesn't actually hold your debt anymore, but it's your responsibility to figure that out
Wait is student debt being packaged into securities like mortgages were in 2008? Holy fucking shit America what is wrong with you
This isnt bullshit, but it works for the same reason saying "I'm not paying this" works half the time. The cost of perusing the debt is more than the profit they think they can get out of you.
