Question:
I thought people go to court to get justice; right? I have seen courts
are casinos for games to be played and injustice to prevail!?
A friend of mine told me the following story:
Highly known credit card company has insurance against unemployment
that is sold under one attractive policies to customers. Along the
road, these policies get changed negatively without the attention of
the customer! To do the policy change, this credit card company makes
a small note on a monthly bill of the customer so s/he doesn't notice
it till it is too late!
The credit card company makes of course millions of dirty money by
month out of this. When a customer discovers s/he was cheated, there
is nothing s/he can do!
Along the road, the credit card company sends the debt to an allied
collection agency which will take you to court, issue a judgment
against you, then use that to team-up with the IRS to garnish your
wages!
Is there a law firm in this country that specializes in fighting this
kind of corporate terrorism?!
Answer:
Q: Highly known credit card company has insurance against unemployment
that is sold under one attractive policies to customers.
A: I *guess* you mean the program that pays your minimum payment if you
become unemployed.
Q: Along the
road, these policies get changed negatively without the attention of
the customer! To do the policy change, this credit card company makes
a small note on a monthly bill of the customer so s/he doesn't notice
it till it is too late!
A: Translation: you didn't bother to read the notices on your bill, and
now you're complaining because you don't like the provisions you
didn't bother to read.
Q: The credit card company makes of course millions of dirty money by
month out of this. When a customer discovers s/he was cheated, there
is nothing s/he can do!
A: The practice may be sharp, but then this "insurance" is a bad deal
for the consumer from the get-go. However, if notice was given in the
monthly bill, it's simply false to call this "dirty money".
Q: Along the road, the credit card company sends the debt to an allied
collection agency which will take you to court, issue a judgment
against you, then use that to team-up with the IRS to garnish your
wages!
A: No, not to team up with the IRS. The IRS collects its own debts and
certain others mandated by Federal law (e.g. unpaid child support),
but not ordinary commercial debt.
On the other hand, it *is* true that you can be taken to court for an
unpaid debt, have a judgment entered against you, and have your wages
garnisheed after court action. Your remedy is simple: don't put
yourself in that position in the first place.
Q: Is there a law firm in this country that specializes in fighting this
kind of corporate terrorism?!
A: Oh, get over yourself. While I do have sympathy for people who get
into credit problems over unexpected major medical bills or other
non-discretionary items, if you didn't bother to read the terms you
agreed to then IMHO you deserve whatever you get. It is not
"corporate terrorism", it is the consequence of *your* laziness. Grow
up and take responsibility for managing your financial affairs.
