I have to reply to this one..
I find it quite interesting that you blame your bad credit on your parents. Especially since your only reason for moving to Montreal from Seattle, freshstarz, was to attempt avoid paying back all the people you owed.
I can understand youth getting into credit problems. But you are 29 years old, had been bailed out of your past credit problems numerous times, even had your own bankruptcy paid for. You should have learned from that experience.
Instead, people were forced to drag you into court. Your answer was to hide out in Montreal. The problem with that is that the US and Canadian court systems are reciprical. Those court orders attaching your vehicle, the piano you took that didn't belong to you, any future wages, etc, are enforcable.
You don't have money problems because of your parents. You have money problems because you saw $$$$ and decided they were yours to spend. Not paying your bills (your apt rent, your music school's rent, your suppliers, etc) are what put you where you are.
And for you to think that by hiding in Canada that will all go away is a falsehood. You think you can re-establish credit there. But even if you could, you are so habitual, it will only turn into more court cases, more money you've spent that doesn't belong to you, ect.
Quit blaming others for you tales of whoa. You only have yourself to blame. And when they arrest you for the embezzelment, the tax evasion, wire fraud, and the other numerous charges against you, no one will listen to your "It's my mommy's fault"
Originally posted by freshstarz:
After reading this one, I had to reply. This is in response to those that are saying credit should be harder to obtain, in contrast with those saying responsibility should be with the consumer.
My question... who teaches the consumer this responsibility? It's automatically assumed that millions of people are getting some financially fiscal idea of how to run their lives from their parents... because you're sure as hell not going to receive normal day-to-day living lessons from school.
The lower class is naturally subjugated as it is... and you expect these people, who usually have spent generations being poor, to know fiscal responsibility when they are the first generation to attend college and are inundated with credit card offers.... that which their parents were never made privy of? It's basically blaming people for not "knowing" something that you consider common place and logical, when in fact, it is a product of your upbringing and environment.
I come from a decently affluent family, however my parents were both raised very poor... therefore, despite making a load of money, they did not save, spent foolishly and filed bankruptcy themselves twice. By the time most of us got to college (12 children altogether), none of us were prepared for financial responsibility. I'd say our family is 50/50 in its success... 1/2 of us have become fiscally responsible, 1/2 remain clueless... hopefully our next generation will learn more.
Anyway - that was a long response - but I hope it causes some thougth.