Board 8 > I've been on hold for 47 minutes [nopun]

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DigitalIncision
03/19/12 8:41:00 AM
#1:


Ask me anything

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th3l3fty
03/19/12 8:44:00 AM
#2:


why haven't you hung up and called back?

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DigitalIncision
03/19/12 8:45:00 AM
#3:


I have. My current call is at 15 minutes

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Digi
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SuperJanitor
03/19/12 8:47:00 AM
#4:


Did you have breakfast?
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DigitalIncision
03/19/12 8:47:00 AM
#5:


No

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th3l3fty
03/19/12 8:48:00 AM
#6:


what's so important that you're willing to go on hold for so long?

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lordloki12
03/19/12 8:48:00 AM
#7:


Wouldnt hanging up and calling back just put you at the back of the line again?

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DigitalIncision
03/19/12 8:50:00 AM
#8:


From: th3l3fty | #006
what's so important that you're willing to go on hold for so long?


My bank gave me a $100 legal order processing fee. The state is trying to garnish my bank account (which had $0.00 balance) and my bank is charging $100 just to tell California that my account has no money in it. I have to talk them into waiving the fee so I can cancel this account.

From: lordloki12 | #007
Wouldnt hanging up and calling back just put you at the back of the line again?


Once I passed 30 minutes it seemed like there was some kind of error somewhere.

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Digi
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th3l3fty
03/19/12 8:52:00 AM
#9:


what is the air-speed velocity of an unladen swallow?

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DigitalIncision
03/19/12 8:54:00 AM
#10:


From: th3l3fty | #009
what is the air-speed velocity of an unladen swallow?


What do you mean, an African or European Swallow?

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DigitalIncision
03/19/12 8:56:00 AM
#11:


hey cool the hold music is barenaked ladies now

--
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SuperJanitor
03/19/12 9:01:00 AM
#12:


Is that the best possible hold music you can think of?
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DigitalIncision
03/19/12 9:02:00 AM
#13:


no but I really like BNL

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Digi
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DigitalIncision
03/19/12 9:02:00 AM
#14:


Cake seems like it would be good hold music. though in my head, all hold music is "remind me" by royksopp

--
Digi
I’ve spent my entire life researching the multiples of zero and it has amounted to nothing.
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DigitalIncision
03/19/12 9:14:00 AM
#15:


i hung up. I'll try again in a few hours. need to work now

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Digi
Finding things on eBay is hard. I searched for lighters... found 15,000 matches.
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mnkboy907
03/19/12 9:21:00 AM
#16:


Why is the state trying to garnish your bank account?

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The Real Truth
03/19/12 9:23:00 AM
#17:


You're right. Pun hasn't posted yet.

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DigitalIncision
03/19/12 9:32:00 AM
#18:


From: mnkboy907 | #016
Why is the state trying to garnish your bank account?


I owned a Napa Auto Parts, which I left in the hands of my less-than capable parents. They accrued debt in my name, which is just as good as me saying I accrued debt. I had nothing to do with actually running the store in regards to doing the books and the like, but apparently, I should have. It's all debt from my dad. I don't even know how much I owe them at this point. It really sucks. I'm using a prepaid walmart card to store my money for now.

Had the actual bank account open because I was told as long as I had no balance, California wouldn't try. But they did, and my bank charged me the legal fee to overdraw me 100 bucks.

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Digi
I’ve spent my entire life researching the multiples of zero and it has amounted to nothing.
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DigitalIncision
03/19/12 10:41:00 AM
#19:


Called again, am on hold for 28 minutes now.

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Grand Kirby
03/19/12 10:58:00 AM
#20:


Are you sure you haven't accidentally dialed some kind of music-listening hotline instead?

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DigitalIncision
03/19/12 11:09:00 AM
#21:


Got ahold of them. Apparently, instead of the "around 2 grand" I owe according to my dad

I owe 17 thousand dollars

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thundersheep
03/19/12 11:11:00 AM
#22:


From: DigitalIncision | #021
Got ahold of them. Apparently, instead of the "around 2 grand" I owe according to my dad

I owe 17 thousand dollars


Jesus ****ing Christ...

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Robazoid
03/19/12 11:11:00 AM
#23:


Time to fake your death I think

Digging up a corpse and then a car bomb worked wonders when I owed 100k

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pjbasis
03/19/12 11:11:00 AM
#24:


I don't get it

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DigitalIncision
03/19/12 11:30:00 AM
#25:


seriously at a loss

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Murphiroth
03/19/12 11:38:00 AM
#26:


Ouch. Legal order processing fees suck.

And $17000? Jaysus.

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foolm0ron
03/19/12 11:38:00 AM
#27:


Kill dad, pay off debt with his life insurance

2 birds with 1 stone

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SuperJanitor
03/19/12 11:48:00 AM
#28:


Oops. Never let anyone run a business under your name I suppose.
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XIII_rocks
03/19/12 11:55:00 AM
#29:


What the-

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foolm0ron
03/19/12 11:56:00 AM
#30:


Or wait, this is America. Get a government bailout.

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DigitalIncision
03/19/12 11:59:00 AM
#31:


From: SuperJanitor | #028
Oops. Never let anyone run a business under your name I suppose.


That's right. I'm not going to play the "why me" because I shouldn't have trusted them. It was foolish and stupid. But god damn, 17 grand.

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DigitalIncision
03/19/12 11:59:00 AM
#32:


From: foolm0ron | #030
Or wait, this is America. Get a government bailout.


I'm going to have to declare business bankruptcy.

--
Digi
And then God created Saturn, and he liked it, so he put a ring on it.
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masterplum
03/19/12 12:04:00 PM
#33:


From: DigitalIncision | #032
I'm going to have to declare business bankruptcy.


I don't think that would work if its personal debt

how was the business structured?

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DpObliVion
03/19/12 12:04:00 PM
#34:


Wow, f***....

: (


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DigitalIncision
03/19/12 12:05:00 PM
#35:


From: masterplum | #033
I don't think that would work if its personal debt

how was the business structured?


It's definitely business debt, as per the board of equalization. Chapter 11 will be fine, I'm told. The problem is going to be finding all the paperwork that my parents apparently neglected. They could deny me Chapter 11 because I have no knowledge about ... anything related to this.

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Pacmantis
03/19/12 12:08:00 PM
#36:


DigitalIncision posted...
no but I really like BNL

High five!

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masterplum
03/19/12 12:09:00 PM
#37:


From: DigitalIncision | #035
It's definitely business debt, as per the board of equalization. Chapter 11 will be fine, I'm told. The problem is going to be finding all the paperwork that my parents apparently neglected. They could deny me Chapter 11 because I have no knowledge about ... anything related to this.


Why are they coming after you then instead of people who have actual money?

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LordoftheMorons
03/19/12 12:09:00 PM
#38:


Did the $100 get waived at least?

Also, that sucks.

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DigitalIncision
03/19/12 12:14:00 PM
#39:


From: LordoftheMorons | #038
Did the $100 get waived at least?

Also, that sucks.


Nope. And I'm out of state right now, with none of my bank branches around me. So I just went to the post office and mailed my sister my debit card and walmart card, so she can take money off one, and put it on the other, so I can then close my bank account (via email).

From: masterplum | #037
Why are they coming after you then instead of people who have actual money?


Because the business was in my name. Plus there's no actual money. My parents are broke (I've been buying my dad gas and food for three months) and I have like 170 bucks left to my name.

--
Digi
And then God created Saturn, and he liked it, so he put a ring on it.
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masterplum
03/19/12 12:18:00 PM
#40:


Did you sign a contract to put it in your name?

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DigitalIncision
03/19/12 12:18:00 PM
#41:


From: masterplum | #040
Did you sign a contract to put it in your name?


Yes, at the Board of Equalization, where I got the business license and everything.

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masterplum
03/19/12 12:21:00 PM
#42:


Oh.


Well then. Not much you can do there.

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DigitalIncision
03/19/12 12:24:00 PM
#43:


From: masterplum | #042
Oh.


Well then. Not much you can do there.


I know. It's a pretty hopeless situation. It was a very dumb thing to do.

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Menji76
03/19/12 12:48:00 PM
#44:


Are they not able to cover any of that $17,000?

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DigitalIncision
03/19/12 12:51:00 PM
#45:


From: Menji76 | #044
Are they not able to cover any of that $17,000?


My parents? My dad has a solid job in line for May ... but that's so far away at this point. Currently, he makes less than a grand a month, so no, he's got nothing.

Do I want to work on paying this off over the next five-ten years or just declare business bankruptcy? I don't like the idea of paying 17,000 out of pocket that really isn't my fault

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Menji76
03/19/12 12:57:00 PM
#46:


That sucks bro.

Well it's good that you have a good shot at getting Chapter 11 at least. From the brief time I spent learning about bankruptcy a few weeks ago, it seems like that's a lot harder to get now and you're usually just moved to Chapter 13.

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