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Caller ID Falsification Service

Dan writes " A US website will offer Caller ID falsification service...Slated for launch this week, Star38.com would offer subscribers a simple Web interface to a Caller ID spoofing system that lets them appear to be calling from any number they choose. [...] SecurityFocus took the site for a test drive, and found it worked as advertised. The user fills out a simple Web form with his phone number, the number he wants to call, and the number he wants to appear to be calling from. Within two seconds, the system rings back, and patches the user through to the destination. The recipient sees only the spoofed number displayed on Caller ID. Any number works, from nonsense phone numbers like "123 4567" to the number for the White House switchboard."

639 comments

  1. Sooner or Later... by romper · · Score: 5, Funny

    "Mr. President, you have a call from the Pope."

    --
    Right is wrong when left is right.
    1. Re:Sooner or Later... by mrtroy · · Score: 3, Funny

      Haha....reminds me of family guy....

      [peter] Free Tibet? I will take it! (at a protest)

      *runs to a pay phone*

      [peter] Hello China? I think I have something you want...but its going to cost you

      [peter] Yes...ALL of the tea.

      --
      [I can picture a world without war, without hate. I can picture us attacking that world, because they'd never expect it]
    2. Re:Sooner or Later... by MikeMacK · · Score: 5, Funny
      "Mr. President, you have a call from the Pope."

      "Well tell him I already talked to God..."

    3. Re:Sooner or Later... by mr100percent · · Score: 5, Interesting
      Steve Wozniak, co-creator of Apple and maker of the Blue Box, did prank call the Vatican one time with his invention.
      "During one demonstration, Wozniak called the Vatican posing as Secretary of State Henry Kissinger and asked to speak to Pope Paul VI. Informed that the pope was sleeping but would be awakened, Wozniak lost his nerve and hung up."

    4. Re:Sooner or Later... by Apiakun · · Score: 1

      And what will the most used spoofed number be? 31337?

    5. Re:Sooner or Later... by bugnuts · · Score: 3, Funny

      "Oh, uh... do we have someone that can translate Vatican?"

    6. Re:Sooner or Later... by Anonymous Coward · · Score: 0
    7. Re:Sooner or Later... by Penguin · · Score: 3, Funny

      The difference between the president and God is that God doesn't think he is the president.

      --
      - Peter Brodersen; professional nerd
    8. Re:Sooner or Later... by accelleron · · Score: 0

      911

      --
      Genius may have its limitations, but stupidity is not thus handicapped.
    9. Re:Sooner or Later... by Anonymous Coward · · Score: 4, Funny

      By gosh you're right. The president does think he's the president.

    10. Re:Sooner or Later... by wieck · · Score: 3, Insightful

      one can talk to god as long as he wants, when he thinks god does answer is where the problems start ...

      --
      It takes a real man to ride a scooter ... what are you compensating for?
    11. Re:Sooner or Later... by Suidae · · Score: 1

      At first I wasn't sure if that was a power joke or a Florida election joke.

    12. Re:Sooner or Later... by themoodykid · · Score: 1

      I thought that only applied to Larry Ellison.

    13. Re:Sooner or Later... by Anonymous Coward · · Score: 0

      If God didn't answer, what would be the point of talking? The problem is when you think you know the answer before it manifests on its own.

    14. Re:Sooner or Later... by Anonymous Coward · · Score: 0, Funny

      The difference between George W. Bush and God is that one is fictional, and one should be.

    15. Re:Sooner or Later... by Schemat1c · · Score: 1

      # It's easier to get forgiveness for being wrong than for being right. # Let's break this rule - forgive me.

      This doesn't make sense to me. Forgiveness is only intended for being wrong. It makes the same sense as 'It's easier for a broken bone to heal when it's not broken'.

      Unless this is a clever joke that I'm just not getting.

      --

      "Nobody knows the age of the human race, but everybody agrees that it is old enough to know better." - Unknown
    16. Re:Sooner or Later... by clean_stoner · · Score: 1

      Why was that modded insightful? Wasn't it supposed to be a joke?

      --

      Sigs are for the weak.

    17. Re:Sooner or Later... by DietFluffy · · Score: 1

      it is a clever joke; the guy wants forgiveness even though he maintains he is right.

    18. Re:Sooner or Later... by puddpunk · · Score: 1

      The Governator?

    19. Re:Sooner or Later... by Merk · · Score: 1

      Can't be this current one -- at least not while Dick Cheney is within earshot.

    20. Re:Sooner or Later... by It'sYerMam · · Score: 1

      Merely showing the fair, even-handedness of the slashdot mods!
      But seriously, it doesn't matter whether it really "works" or it's just a placebo - if the machinery does what you want it to do, you don't need to look at the insides.
      That and the fact that there are an awful lot of people who've been hearing answers for a very long time, so you should never say anything with adamance.

      --
      im in ur .sig, writin ur memes.
    21. Re:Sooner or Later... by Anonymous Coward · · Score: 0
      I guess it all depends. I can see how it can be considered either, plus for some religious people maybe even troll (since they believe they can hear god talk etc. etc.).

      For what it's worth, I'd consider it witty.

    22. Re:Sooner or Later... by Anonymous Coward · · Score: 0

      I thought so too until an asshole stepped in

    23. Re:Sooner or Later... by Lord+Kano · · Score: 2, Funny

      God has answered me a time or two. No problems here.

      God please, let the pregnancy test come back negative...

      LK

      --
      "Hi. This is my friend, Jack Shit, and you don't know him." - Lord Kano
    24. Re:Sooner or Later... by I(rispee_I(reme · · Score: 1

      f the machinery works, you don't need to look at the insides.


      indeed, doing so in some states can void your warranty.

    25. Re:Sooner or Later... by glitch23 · · Score: 1

      Only to those who don't have any faith, which also happen to be the ones who call everyone else "quacks". A little religion never hurt anyone, but lack thereof can kill.

      --
      this nation, under God, shall have a new birth of freedom. -- Lincoln, Gettysburg Address
    26. Re:Sooner or Later... by Anonymous Coward · · Score: 0

      You deserve to be called a quack for statements such as "A little religion never hurt anyone, but lack thereof can kill."

    27. Re:Sooner or Later... by Anonymous Coward · · Score: 0

      No, it was family guy.

    28. Re:Sooner or Later... by Anonymous Coward · · Score: 0

      That troll doesn't even make sense. Woz has nothing to do with the iPod or iBook.

    29. Re:Sooner or Later... by Anonymous Coward · · Score: 0

      What I find amusing about this is that we used to call Woz into teleconferences in the 80s. He was always so cool about it albeit he was a little tired of it after a while...

    30. Re:Sooner or Later... by LifesABeach · · Score: 1

      "And God gave me an answer that I agree with."

    31. Re:Sooner or Later... by KnarfO · · Score: 1

      Or,

      One can talk to God as long as he wants, it's when he thinks he is the *only one* God answers is where the problems start...

      --


      "Creativity is allowing ones self to make mistakes. Art is knowing which ones to keep" - Scott Adams
    32. Re:Sooner or Later... by Anonymous Coward · · Score: 0

      I'd say a little religion does kill - check out israel, iraq, russia, us, and just about all of SE asia and the pacific. All those terrorists kill due to religion. Any questions?

    33. Re:Sooner or Later... by glitch23 · · Score: 1

      Well if you knew anything you would know that THOSE people are the true quacks. The Christian God does not have humans do killing for him, because for one thing He tells us that is a sin to begin with. Al Quaeda members seem to think their god Allah wants them to kill people and that they will get rewarded if they do so. You don't judge a baseball team by 1 or 2 bad players therefore you shouldn't judge a religion by what a few members do (even though you do anyway because you think it's fun). The US is not in a religious war; it's in a terrorist war which for the terrorists it would be a religious war because their god tells them to kill us. Maybe I should clarify the original statement by saying any religion that does not reward killing never hurt anyone, Christianity being one of them. It also helps that the members of religion actually listen to the teachings of the religion for it to be effective.

      --
      this nation, under God, shall have a new birth of freedom. -- Lincoln, Gettysburg Address
  2. Social Engineering by mfh · · Score: 5, Insightful

    "The recipient sees only the spoofed number displayed on Caller ID. Any number works, from nonsense phone numbers like "123 4567" to the number for the White House switchboard."

    I think that the people who are going to profit from this the most will be guys like Howard Stern (if he's still on the air). He'll ring up anyone he wants and pretend to be working for some fake government agency while the nimrods on the line will be in fear if they have caller id. Oh the laughs... until the FCC has their way with Stern and shut him down.

    How many kids are going to get into serious trouble with this service?

    Let's not even start talking about all the wonderful social engineering that can now be performed with this great service. "This is Bill Gates. I forgot my password. Give it to me."

    So all ye lawyers, would the owners of Star38.com be in the doghouse for this service when the masses start using it as a launchpad for social engineering? I'm thinking, hell yes (but IANAL).

    --
    The dangers of knowledge trigger emotional distress in human beings.
    1. Re:Social Engineering by Soporific · · Score: 4, Insightful

      It's illegal for Stern to do that. He's not even allowed to make phony phone calls on the show at least according to him. If someone else does it and sends it to him it's okay to play but he can't originate them. Don't ask me why because I don't know.

      ~S

    2. Re:Social Engineering by Anonymous Coward · · Score: 5, Insightful

      Any good security policy would include callbacks to ensure the person you're talking to is actually within your organization.

      "Alright Mr. Gates, let me call you back at your number and help you with your password."

    3. Re:Social Engineering by blackmonday · · Score: 3, Interesting

      Howard doesn't call anyone - thats some guy named Captain Janks, and certaintly doesn't need this, he does just fine already.

      Although the calls are funny - he actually provides a useful service to all of us - he shows how easy it is for a complete phoney to get through on the news. The media gets into such a major rush to be first on everything that they put him right on the air and give him the chance to say "Howard Stern's balls" or something like that. The scary part is, who's doing this and doesn't let in on the joke? We can never know for sure. Don't trust those people who call in during news broadcasts!

    4. Re:Social Engineering by Anonymous Coward · · Score: 5, Informative

      This is true. A radio station in Florida got in trouble because they made a phone call to Fidel Castro without informing him that he was being broadcast live on the radio.

    5. Re:Social Engineering by Anonymous Coward · · Score: 0

      Man... got a stick up your butt about Howard Stern do you?

      I think that the people who are going to profit from this the most will be guys like Howard Stern (if he's still on the air).

      until the FCC has their way with Stern and shut him down.

      Personally, I think it's guys like you who keep him going. And I can appreciate that... Why go off the air when there's at least one more straight-laced, holyer-than-thou stick in the mud to piss off.

      Hope he calls you first... 8)

    6. Re:Social Engineering by Beryllium+Sphere(tm) · · Score: 1

      Don't they say they'll limit subscriptions to licensed private investigators and bill collectors?

      Not that this would slow down a determined prankster.

    7. Re:Social Engineering by GigsVT · · Score: 0


      Any good security policy

      We are talking about Microsoft here, the company with a long proven lack of care about security in any regard.

      --
      I've had enough abrasive sigs. Kittens are cute and fuzzy.
    8. Re:Social Engineering by Rich0 · · Score: 3, Informative

      Actually, they'd go one step further. They'd send the new password directly to his voicemailbox, or deliver it in person.

      Otherwise if you can walk into somebody's office you can access their computer.

    9. Re:Social Engineering by attam · · Score: 5, Interesting

      if you actually had bill's number to begin with, you probably deserve his passwords as well... have you ever called Microsoft? if you don't know the exact name of the person you want to talk to, they won't even talk to you. if you ask for a "department" they will tell you to bugger off!

    10. Re:Social Engineering by gcaseye6677 · · Score: 2, Insightful

      I can't say this is a bad policy. Many companies do this now, since someone calling and asking for the "technology director" or something like that is almost certainly a junk (sales) caller. They take up so much of peoples' time they have to be screened out fairly aggressively. In the case of departments, how many people must have tried to call the MS Word Development department to bitch about something in Word not working right?

    11. Re:Social Engineering by fdesibert · · Score: 1

      Anyone who has researched Social Engineering has read Kevin Mitnicks (rather verbose, but nonetheless interesting book) where he discusses falsified Caller-ID. This idea isn't new, or even technically innovative, the Caller ID (not quite sure of the technical name for the field) field can be spoofed on any PRI line. Although, for those "social engineers" (read con-men) who aren't technically adept to scam the masses (or obtain information, of course). A pity that this will throw systems like Asterix (asterix.org) into a negative light.

    12. Re:Social Engineering by james11111 · · Score: 1

      Hmm. I remember reading about caller spoofing and social engineering somewhere in the Art Of Deception. Someone changed a phone router, and dialed into a radio show pretending to be the FBI.
      Now it seems people don't need to change the routers.

    13. Re:Social Engineering by james11111 · · Score: 1

      Yes, any good security policy. But that's the entire point of social engineering. The person you call knows that they need to call you back, but you seem like such a nice person, and they instinctivly just want to help you.

    14. Re:Social Engineering by surprise_audit · · Score: 0, Troll

      On the other hand, who gives a shit if Castro is pissed off about being broadcast without being told??

    15. Re:Social Engineering by IgorMrBean · · Score: 0

      Montreal Canada based radio station also caught the queen Elizabeth 2, the Pope, and recently, the president of formula1 !

      --


      Mess with the best, die like the rest
    16. Re:Social Engineering by Caseyscrib · · Score: 2, Funny
      In the case of departments, how many people must have tried to call the MS Word Development department to bitch about something in Word not working right?

      I know. I can't tell you how many times i've called those guys to get that damned paper clip off my screen. For whatever reason they think its a prank and hang up on me. I'll try again later this afternoon.

    17. Re:Social Engineering by erc · · Score: 1

      Ah-nold would ... it might shut off his source for cigars!

      --
      -- Ed Carp, N7EKG erc@pobox.com PGP KeyID: 0x0BD32C9B What I'm up to: http://intuitives.mine.nu
    18. Re:Social Engineering by danila · · Score: 2, Informative

      Montreal Canada based radio station also caught the queen Elizabeth 2, the Pope, and recently, the president of formula1 !

      --
      Future Wiki -- If you don't think about the future, you cannot have one.
    19. Re:Social Engineering by Anonymous Coward · · Score: 2, Informative
    20. Re:Social Engineering by surprise_audit · · Score: 1

      I don't for one moment imagine that Castro would: a) want to lose the revenue; or b) actually be able to stop Ah-nold from getting Cuban cigars somehow, if he really wanted them...

    21. Re:Social Engineering by Darth_Burrito · · Score: 2, Interesting

      Any good security policy would include callbacks to ensure the person you're talking to is actually within your organization.

      Every good security policy is a balance of risk mitigation, ease of use, and a number of other factors. Forcing callbacks would not be an acceptable security measure in most organizations.

    22. Re:Social Engineering by angryelephant · · Score: 1
      And anyone above a certain management level is allowed to personally rewrite policy. "Callback policy? I dont have time for that s#$*. How about you give me my password now and I don't have you fired."

      Also a good social engineer would just call up the CEOs secretary and ask for the CEOs password, mother's maiden name, and dental checkup schedule for the next two years.

    23. Re:Social Engineering by dcmeserve · · Score: 1
      The scary part is, who's doing this and doesn't let in on the joke?

      Karl Rove. Or rather, the anonymous armies of volunteers he commands.

      --
      "Orthodoxy is unconsciousness" - Orwell
    24. Re:Social Engineering by tylernt · · Score: 1

      Yes. If I was the admin at a large corporation such as HP, I might have password resets sent to the user's voicemail. And if the user didn't have a voicemail box or forgot their voicemail password, I would probably send it to the email or voicemail of their supervisor.

      --
      DRM 'manages access' in the same way that a prison 'manages freedom'
  3. Fun for all ages and campaigns! by garcia · · Score: 3, Interesting

    Star38.com claims it will screen subscribers, and initially make the service available only to licensed private investigators and collection agencies. Jepson and his partners believe that collection agencies in particular will find the service invaluable for getting recalcitrant debtors to answer the phone.

    Debt collection agencies already mask their online and phone identities pretty well. Using common telephone setups (before the big Asterik "save the children" bullshit) they just appeared as whatever they wanted. In fact their web-presence is generally unknown and they even mask their hostnames to the rest of the world with benign addresses like mta-mailserver.alliedfinancial.com (this is a recreation of an actual NAT host used by a collection agency).

    Private Investigators should opt for paying the phone company to offer them a similar service (or better yet don't call from your business phone).

    If they are really allowing ANY number it isn't going to make it very far out of the "hype-stages". Think of what this could do to our children and what could happen in the hands of the terrorists!

    CallerID: "J. KERRY CAMP. OFF. HQ"
    Caller: "Hi, I'm calling you to vote for John Kerry via absentee ballot."
    John_Overseas: "Ok. Count me in. Down with Bush!"
    Caller: "Done. Thanks for helping Bu...I mean...Kerry win!"

    Caller: "Another close one Dubya."

    1. Re:Fun for all ages and campaigns! by JimBobJoe · · Score: 4, Interesting

      Debt collection agencies already mask their online and phone identities pretty well.

      True...it's ok for a debt collection agency to call you with no caller ID identity, or their real caller ID identity. Though I am not an attorney, and I don't even play one on television*, the attorney's comments at the end of the article saying that the practice of making up a fake caller ID identity would violate the fair debt practices collection act seem right on. (If you're hounded by creditors, you have a surprisingly large amount of rights, including the ability to tell them to just stop contacting you.)

      *I am however an actor and I could play one on television.

    2. Re:Fun for all ages and campaigns! by garcia · · Score: 4, Interesting

      Though I am not an attorney, and I don't even play one on television*, the attorney's comments at the end of the article saying that the practice of making up a fake caller ID identity would violate the fair debt practices collection act seem right on. (If you're hounded by creditors, you have a surprisingly large amount of rights, including the ability to tell them to just stop contacting you.)

      I have, thankfully, never been hounded by debt collectors but I know someone who does do it for a living. Telling them not to call YOU doesn't mean that they stop. They call your friends, your family, your boss, your co-workers, your babysitters, anyone...

      As far as what comes up on Caller ID. His shows up UNKNOWN, ALLIED GROUP (name changed to protect the guilty/innocent), or PRIVATE. I suppose if you knew it was them you could just ignore it and they would just keep calling everyone you know under the sun...

      Honestly, if they were calling MY boss daily about having me pay up I'd think twice about letting the answering machine pick that up.

    3. Re:Fun for all ages and campaigns! by jdreed1024 · · Score: 4, Informative
      Jepson and his partners believe that collection agencies in particular will find the service invaluable for getting recalcitrant debtors to answer the phone.

      They should do their research. There are very strict laws about debt collectors calling. They cannot contact you outside 8AM-9PM, for example. If they call you, they are legally required to provide a mailing address if you ask, and if you send them a letter requesting no further contact, it is illegal for them to continue to contact you (except one call saying they received the letter). They can still sue your ass in court, and you can get served with papers, etc, but the debt collector themselves cannot contact you. Additionally, if you have an attorney, they must call the attorney, not you.

      Most importantly, they are also prohibited from misrepresenting themselves. I'd say falsified caller id falls pretty clearly under misrepresenting. (They can block caller-id, that's fine, but they can't say they're Joe's Pizza, for example). I sincerely hope these guys get sued into oblivion for encouraging slimy debt collection processes. It's not clear the service itself is illegal, but debt collectors using it to identify themselves as someone else very clearly is. I predict some attorney general is going to have a field day with this. I plan to write to mine about it.

      More info: http://www.ftc.gov/bcp/conline/pubs/credit/fdc.htm

      --
      There is no sig, there is only Zuul.
    4. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      how are you an actor? Your web site doesnt mention anything...

    5. Re:Fun for all ages and campaigns! by avronius · · Score: 1

      Wow, that would suck!

      Up here in Canada, debt collectors are prohibited from contacting anyone other than the person with the debt.

      Your friend would find himself unemployed, and facing stiff fines / legal action after his first call to my boss.

      It is unfortunate that some people still abuse their "power" as a debt collector, and threaten the type of action that you have listed. Sadly, most consumers are unaware of their rights.

    6. Re:Fun for all ages and campaigns! by SomeoneGotMyNick · · Score: 4, Interesting

      Telling them not to call YOU doesn't mean that they stop. They call your friends, your family, your boss, your co-workers, your babysitters, anyone...

      I'm pretty sure Friends/Family/Bosses enjoy the same privileges, by law, of telling someone else's creditors where to stick it ^H^H^H^H to not call anymore.

      That's why I'm in the IT profession. As all my positions get outsourced, I'm never in the same job long enough. If I ever get behind in the bills, I guess they can call my old boss, because I don't bend over backwards telling creditors where I'm working now. Unless, I feel I need a new loan.

    7. Re:Fun for all ages and campaigns! by damiangerous · · Score: 5, Informative
      I have, thankfully, never been hounded by debt collectors but I know someone who does do it for a living. Telling them not to call YOU doesn't mean that they stop. They call your friends, your family, your boss, your co-workers, your babysitters, anyone...

      Then your friend is violating the law and is one of those scumbag debt collectors who fancies himself sort of of skip tracer or PI.

      The Fair Debt Collection Practices Act, Section 805, part B:

      (b) COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

      They can call your acquaintances to find you, but they cannot communicate why they're looking for you and they cannot keep doing so once they have made contact with you. Section 805, Part C says that debt collectors must cease contact with you if you tell them to, at the point they must do so and from then on can only contact you to tell you they're taking some sort of legal remedy (like suing you).

      Oh yeah, and if by "Allied Group" you mean "Allied Interstate" I see why your 'friend' is such a scumbag. Look them up on Google and you'll find story after story of innocent people hounded by these pricks because they're too fucking incompetent and aggressive to do their job properly. Minnesota, for one, has taken legal action against them for their unlawful operations.

    8. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      only true terrorists love this type of spoofing (FUD)

    9. Re:Fun for all ages and campaigns! by adamruck · · Score: 1

      Thanks for the post, informative. My question is does that apply to all states though?

      --
      Selling software wont make you money, selling a service will.
    10. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      Jeez... just pay your bills, people!

    11. Re:Fun for all ages and campaigns! by clifyt · · Score: 4, Informative

      "Telling them not to call YOU doesn't mean that they stop. They call your friends, your family, your boss, your co-workers, your babysitters, anyone..."

      Yup...I had credit problems about 10 years back as a young 20 something with too many credit cards and not enough selfwill and no friends willing to kick me in the ass. I've since taken personal finance classes and had a stint dealing with credit councling and kept my record clean since then...

      BUT in my quest to get out of the debt that was actually impossible to do on my own (when the vampires move you to 26% interest, and then move your bill to a irregular schedule where you have 7 days from the time its mailed to pay or you will be considered late with a $30 late fee, and BTW we just lowered your credit, so you are now over the limit and thats another $30 over the limit fee and a few months later, your original $1000 in credit card fees is now $3500 without charging anything -- I'd consider that impossible to get out of).

      But during my time in debt, I had asked these guys to never contact me again -- in writting -- and asked them to take up the debt with my credit councellors or my attorney (who is a friend and I trade work for services with).

      So what happens, they legally have to stop contacting me -- but they threatened to sue both my parents living in seperate states, even though they weren't connected to me financially -- but it was noted one of my bank accounts from when I was under 18 had their sigs on it ($15 in there that I didn't know about), and then they started calling the neighbors. My two neighbors on both sides of me claimed that a credit agency was calling to see if they had any information on me they could share, but 'legally' they couldn't give them any information about what they were contacting them for other than they were with "You Skipped Town And Owe Us Credit Recovery Corporation" (it was actually something sleezy like that). They did this with my employeers as well, but the human resources department didn't give a fuck (they actually called to let me know and said they had forms I could fill out if they wanted the company not to call at work). I don't think they broke any laws, but they were in plenty of grey areas.

      So, and noting this is off topic with the article but very on topic to the parent post, if you feel like telling them to stop contacting you, do so. But do it at your own risk. Its better just to get into a program to pay the stuff off and do it as soon as you can...just don't get into one owned by the same corps (like CCC).

    12. Re:Fun for all ages and campaigns! by SillyNickName4me · · Score: 2, Interesting

      > Honestly, if they were calling MY boss daily about having me pay up I'd think twice about letting the answering machine pick that up.

      If they were calling my boss (if I had one, I'm self employed ;) we'd meet again in court where they'll have to explain to the judge why they ignored local privacy laws.

    13. Re:Fun for all ages and campaigns! by Fulcrum+of+Evil · · Score: 1

      I have, thankfully, never been hounded by debt collectors but I know someone who does do it for a living. Telling them not to call YOU doesn't mean that they stop. They call your friends, your family, your boss, your co-workers, your babysitters, anyone...

      If they have no business relationship with those people, they really can't do that. You can't tell them to stop contacting you either, at least not without some sort of payment schedule. You can demand that they conduct all business in writing. However, most of this doesn't apply if they're the actual creditor.

      --
      "We returned the General to El Salvador, or maybe Guatemala, it's difficult to tell from 10,000 feet"
    14. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      your friend is wrong.

      Just a simple cease and desist letter will stop them from calling anyone regarding that account including 3rd parties. if you verbally inform them you cannot have calls at work they cannot call you there or the collector (not agency but the person who called) is liable for $1000 per violation + a fine from the FTC. calling third parties for anything but location information is against the law and the same fine applies (paid to the debtor) and the rules set by the FDCPA are LCD laws.. it is not what a normal person would think of as harrasment that counts it is what the dumbest fuck on the planet might think is harrasing that counts.

    15. Re:Fun for all ages and campaigns! by XorNand · · Score: 1

      I sincerely hope these guys get sued into oblivion for encouraging slimy debt collection processes. It's not clear the service itself is illegal, but debt collectors using it to identify themselves as someone else very clearly is.

      Sooo... by the same rationale, do you also support the lawsuits brought against Sony (Betamax), Grokster and Glock?

      Consistency. I'm jus' sayn'.

      --
      Entrepreneur : (noun), French for "unemployed"
    16. Re:Fun for all ages and campaigns! by Steve+B · · Score: 1
      Sooo... by the same rationale, do you also support the lawsuits brought against Sony (Betamax), Grokster and Glock?

      The basic difference is that Caller ID spoofing (as opposed to simple blocking) has no evident legitimate use, unlike video recorders, file routing systems, or firearms.

      --
      /. If the government wants us to respect the law, it should set a better example.
    17. Re:Fun for all ages and campaigns! by FictionPimp · · Score: 1
      Actually, in Indiana, it is illegal to tell anyone but the actual person the debt is for what you are calling about. Not only that, but if they send us a certified letter telling us not to contact them, then we can not call them anymore. Phone and regular mail does not work because we dont write it down or receive the letter. I used to work auto collections for about 2 years inbetween IT contacts. I know that if I was to tell someone's boss they had a debt, and they could prove I told him. I would be fired and most likley sued. The most I could tell a 3rd party was that it was an emergancy and I needed to talk to said person asap.

      I actually had a dispute with a buisness who says I owe them one more payment. I have all the checks and receipts proving I payed but they kept calling me. Finally, they called me at work. I sent them a letter telling them they were not to call me at work and all contact must be made via mail or my home phone. Next time they called my work, I called my lawyer (I have legal insurance though work). I explained the whole situtation (how they never "received" my faxes of proof of payment etc, and how their collections dept was rude and didn't follow my written instructions.) Took my lawyer about 5 minutes and I received a letter of appology about a week later.

      Anyways, i'm rambling now. The point is, if you want to do anything with a collections department, use a certified letter. That way you can prove they are violating the law. The place in question thought I was a deadbeat, even though I could prove I paid, and I bet they were guessing if I couldn't afford to pay them I couldn't afford legal aid. Bet that was a shock for the guy who got that phone call.

    18. Re:Fun for all ages and campaigns! by DrNibbler · · Score: 1

      I know in NY state if you tell the creditor that you want to take it to mail instead of the phone they have to oblige. It then becomes illegal for them to contact anyone else.

      --
      Sean.OutaHere()
    19. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      Maybe having all your positions outsourced is *why* you need a new loan.

    20. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      Nah, anymore they don't call everyone you know.... Anymore.

      Since that law passes, they simply file a lawsuit, and put a lean against everything you've ever touched.

      It's just a heckvua' lot easier to pay the damn bills. Go sell blood or a liver or something.

    21. Re:Fun for all ages and campaigns! by Fulcrum+of+Evil · · Score: 1

      BUT in my quest to get out of the debt that was actually impossible to do on my own (when the vampires move you to 26% interest, and then move your bill to a irregular schedule where you have 7 days from the time its mailed to pay or you will be considered late with a $30 late fee, and BTW we just lowered your credit, so you are now over the limit and thats another $30 over the limit fee and a few months later, your original $1000 in credit card fees is now $3500 without charging anything -- I'd consider that impossible to get out of).

      If they had done that to me, I'd offer $1300 paid over 12 months or nothing at all. I can't see a judge allowing 2500% in fees and charges to stand.

      --
      "We returned the General to El Salvador, or maybe Guatemala, it's difficult to tell from 10,000 feet"
    22. Re:Fun for all ages and campaigns! by garcia · · Score: 1

      Oh yeah, and if by "Allied Group" you mean "Allied Interstate" I see why your 'friend' is such a scumbag.

      I hope you have no specific meaning when you mention 'friend'. It isn't me or I wouldn't be talking about it.

      It isn't Allied Interstate either. But good try!

    23. Re:Fun for all ages and campaigns! by jjhall · · Score: 5, Informative

      Yes, the laws being referred to are federal. Some states add even more restrictions to them, but those are basic rights. I no longer do, but I have worked in collection recently as an extra job. I also have helped a friend find the appropriate information to stop a big cell phone company from illegally harassing him. I won't say which one, but they sold the "debt" to an outside agency that was causing the problems.

      There is the Fair Debt Collection Act which covers most of these rules, such as you can only contact a debtor once every 7 days. You can call several times a day talking to others in the household/place of employment every day until you do reach the debtor, but once you do, no more calls for 7 days.

      If requested IN WRITING not to call any more, you have to honor it. Some agencies honor requests over the phone, but they are not required to. You can also ask not to be contacted by them AT ALL. Like another person already said, this does not stop court summonses or legal proceeding.

      A debt collection company must act honestly. They must identify themselves when asked, and up front in some states. They can not give false information in attempt to recover the debt. I assume CallerID falls under this rule here.

      A debt collector is required to give you a payment option that does not cost you to use. They can't require you to use Western Union if you have to pay the associated fee. The only "fee" they can legally ask you to pay in order to make a payment is a first class stamp in order to mail a payment in. Now, this doesn't mean if the payment is due tomorrow and you mail it in that you will be protected from the $40 late fee. It is still your responsibility to make your payment by whatever day it is required. They simply have to accept the payment when it gets there. If you CHOOSE to use Western Union to make sure the payment is recieved by the due date, that is your choice to pay the fee.

      Another misconception people have is with attorneys. If I call you, and you tell me your attorney is handling the matter, I can no longer call you. However, if I call the attorney and they are not handling the matter (no retainer paid is one reson) then calls are back on your shoulders. If you honestly have an attorney handling your debt, then say so. But if not, it will not help you as you will get a call back the next day attempting to collect again.

      Debt reduction services are another major gotchya. Many of them say to referr all debt collection to them. Problem is they are not attorneys, and creditors are not required, and in many cases are not allowed to by law, discuss the debt with them. Many advise not to pay until the reduction plan goes into effect. This is about the worst thing you can do, because it only damages your credit further. If you can, make even partial payments. If you are 4 months behind, at least make 1 month's payment to keep it from going to 5 months. Your credit will thank you. Another problem with debt reduction is some of them are not true Consumer Credit Counseling Services, they are simply settlement agencies. They collect your "monthly payment" until it reaches a certain sum, then offer to pay Credit Card X 50% of the debt in one lump sum. Sure it generally stops the collection, but it also marks your credit "Paid in full for less than the amount owed." Down goes your credit score even further.

      And the best advice I can give is just be honest. If you can't pay the bill that week, just tell them. For example, telling them you are going to take a payment down to the department store tomorrow when you have no intention of it will only cause you to get a call back the next day when that payment doesn't show. And yes, that does allow them to call back sooner than the 7 day limit. Keep in mind once they talk to you, especially if you don't offer a payment in the meantime, they can't call you again for 7 days. Plenty of time to get a letter mailed to them to request no more calls at all.

      Feel free to contac

    24. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 1, Funny
      telling someone else's creditors where to stick it ^H^H^H^H to not call anymore

      It's "^W" to delete a word, "^H" to delete a letter. You're saying "...creditors where to stick to not call anymore". Your /. posting privileges are hereby revoked.

      ... Posting A.C. for obvious reasons.

    25. Re:Fun for all ages and campaigns! by damiangerous · · Score: 1
      I hope you have no specific meaning when you mention 'friend'. It isn't me or I wouldn't be talking about it.

      I mean "friend" in the sense of some person you may think of as a friend but I wouldn't trust once they left the room, and maybe not even then. Anyone who's willing to proudly break the law simply to be an asshole to innocent people (friends and family of debtors are not involved in, and are most likely not even aware of, the debtors debt but he seems proud that he calls and harrasses them despite the law) is no one I would consider even capable of actual friendship.

      It isn't Allied Interstate either. But good try!

      That's fine. There are plenty of other debt collectors who are almost as bad (and one worse, JBR). There seems to be no shortage of ongoing legal action somewhere against debt collectors who just can't seem to obey the law. I'm sure your friend is right at home wherever he may work.

    26. Re:Fun for all ages and campaigns! by zardinuk · · Score: 0

      I've been hit by that irregular schedule, I quickly dropped that credit card. About a year had passed and I got a notice for a class action suit. They all do it though, just gotta pay your bills on time and you're safe. Once you learn the tricks you can get by on free interest and that, I have $4500 I have been juggling around those 12 months no interest balance transfer cards. I get an offer for one every day it seems. You know they're still making a killing by charging 3% to the merchants. http://www.bcsalliance.com/x_creditcardtricks2.htm l

      --

      "What the superior man seeks is in himself; what the small man seeks is in others."
      - Confucius

    27. Re:Fun for all ages and campaigns! by JDBrechtel · · Score: 1

      Sounds like an easy way to get sued to me.

      There's no way that's legal.

    28. Re:Fun for all ages and campaigns! by clifyt · · Score: 1

      It really depends on what judge you get.

      Its like politicians, some will do anything to screw over big business, others will do anything to stick it to the little guy because they believe everyone is black and white and the business is just trying to make a living. You are lucky in the US of Fucking A to find a decent centrist that is actually looking at the facts and trying to follow the law as written instead of being, as Republicans are often happy to use the word Constructivism judges (i.e., making up their own laws), but this bullshit is both sides of the road.

      Several of the cards I ended up with buy outs...they tell me they were going to sell the debt to another collector that is much tougher, and then offer to sell it for a quarter of the price.

      Its all a part of negotiating tactics, thinking you wouldn't have paid them off in the first place, so they make their own destiny by adding all these fees just to play the nice guy 2 years later.

      I paid it all off...I paid more than I should have all in all, but its behind me now and I own a home and as long as I keep the payments coming on that, I'm happy :-)

    29. Re:Fun for all ages and campaigns! by clifyt · · Score: 2, Interesting

      Yeah, I would have never noticed this bullshit either, but I started entering the dates in the calendar, and it made no f'n sense.

      They had it 7 days for payment from time of it being sent, but if you tried to guess at it and were a day early, it was counted for the previous month.

      I learned the tricks for this shit too -- if you can get an automated payment, set it up to do the bare minimum and nothing more. Send in the extra once you get the bill. That way ya should have everything in the bank and not have to worry...

    30. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      You're right that your friend might do this, but if they discuss your debt with ANYONE other than you, they have violated US Federal Law and if you get even one recording of it, or someone to sign an affidavit they are screwed. In other countries this may be entirely different.

      BTW the way to get them not to contact you or ANYONE ever again is to send a Drop Dead Letter. They can't bother you or anyone else about that debt after they receive one. clarkhoward.com has a sample Drop Dead Letter on his website (as well as a lot of other info about this kind of stuff).

      Calling you at work is also a violation of Federal Law, so don't stand for that either.

    31. Re:Fun for all ages and campaigns! by jdreed1024 · · Score: 1
      The basic difference is that Caller ID spoofing (as opposed to simple blocking) has no evident legitimate use, unlike video recorders, file routing systems, or firearms.

      Indeed. You have the right to privacy (ie: caller-ID blocking - already offered by the phone companies). You do not, however, have the right to impersonate someone else.

      --
      There is no sig, there is only Zuul.
    32. Re:Fun for all ages and campaigns! by jdreed1024 · · Score: 1
      Sooo... by the same rationale, do you also support the lawsuits brought against ... Grokster

      Um, no. Completely different. There are legitimate uses for Grokster. There exist pieces of music not copyrighted by the RIAA. There exist independent artists who publish their own music on P2P networks. And there exists free software which can be distributed this way. Thus it takes a lot of convincing to prove that Grokster is encouraging folks to break the law.

      However, there does not exist (in the US at least, and it appears this site only works in the US) a debt collector can legimiately impersonate someone else when attempting to collect a debt. (Sure, he can do that when calling his wife or ordering pizza, but who cares). Thus, this site, by explicitly targeting debt collectors, is slimy, and they should be prohibited from doing so. If they want to target ex-spouses or ex-boy/girlfriends, fine, as long as they stay within stalking laws, but that's different.

      --
      There is no sig, there is only Zuul.
    33. Re:Fun for all ages and campaigns! by dcmeserve · · Score: 1
      There seems to be no shortage of ongoing legal action somewhere against debt collectors who just can't seem to obey the law.

      Don't worry, I'm sure the president's Tort Reform efforts in his next term will take care of that...

      --
      "Orthodoxy is unconsciousness" - Orwell
    34. Re:Fun for all ages and campaigns! by Esion+Modnar · · Score: 1
      I have, thankfully, never been hounded by debt collectors but I know someone who does do it for a living.

      How can you make a living being hounded by debt collectors? Didn't know it was a money making proposition.

      --

      They say the first thing to go is your penis. Well, it's either that or your brain. I forget which...
    35. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      That person you know is a piece of shit :D.

    36. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      The person is *still* a piece of shit. Fuck you for communicating with them.

    37. Re:Fun for all ages and campaigns! by EvilStein · · Score: 1

      ... but they get away with it. It's VERY hard to prove that they've continued to call (at least in my experience it has been)

      I had creditors tell me that they'll call all they want and me telling them to not call is meaningless unless I put it in writing and include my home address and SSN in the letter.

      Scumbags. I'm sorry, but shit shouldn't stay on a credit report for *7 years* - 3 years (like a traffic violation) should be sufficient, especially when stuff is paid off.

    38. Re:Fun for all ages and campaigns! by Anonymous Coward · · Score: 0

      That is a bit scary, as telemarketing and collection agencies are the scum of the earth. It is their refusal to work and conduct business in a legitimate fashion, meaning IN WRITING, that makes Caller ID mandatory for consumers. Basically, if they cannot contact you by phone, they cannot collect. Hard to believe, but 100% true - if you are eligible to get relief from bankruptcy, you do not have to file. Just NEVER speak to collectors on the phone. If you answer the phone to tell them not to call, they've won. Instead, keep their illegal answering machine messages for the FTC. This new development, if implemented by collection agencies, makes Caller ID worthless, and means that every call must be screened.

    39. Re:Fun for all ages and campaigns! by amber_of_luxor · · Score: 1

      Telling them not to call YOU doesn't mean that they stop. They call your friends, your family, your boss, your co-workers, your babysitters, anyone...

      If you notify them in writing, and they call, they owe you one thousand dollars in statury damages.[You have to sue to get it, but you can sue in your home town. When you get a judgement, if they don't pay within a "reasonable time" (30 days) file an attachment against their performance bond with the state. That asset takes a little longer than others, but it has the effect of terminating their right to do business in the state.]

      If a collection agency calls a third party, who tells them not to call again, the collection agency incurs statutary damages of a minimum of one thousand dollars for harrasment. Additionally they incurred a minimum of one thousand dollars in statutory damages for disclosing the debt to an unauthorized thirdy party.

      After that no notice contact, they may call you one time, but may not make any attempt to collect the debtduring that phone call.

      Honestly, if they were calling MY boss daily about having me pay up I'd think twice about letting the answering machine pick that up.

      If that answering machine message gives anything than the name of the party who they tried to reach, the name of the individual to call back, and a phonenumber, it borders on violating the FDCPA. If it states the name of the collection agency, or a dallar amount that is to be paid, or anything else that would imply or confirm that a debt is allegedly owed, then it is a violation, and statutory damages apply.

      Amber

      --
      Wind Beneath Thy Wings
  4. Slashdot Comment Author Falsification Service by Anonymous Coward · · Score: 5, Funny

    Have you ever wanted to post a comment as someone else, for humor or other more mischievous purposes? Now you can thanks to Slashdot's new comment author falsification service! You can be CmdrTaco, Hemos, CowboyNeal, or one of literally hundreds of thousands of other people, some of them actually famous!

    Author falsification starts at a mere 10,000 subscription points!

    1. Re:Slashdot Comment Author Falsification Service by romper · · Score: 1

      That's got to be the funniest thing I've read all day! Thanks.

      --
      Right is wrong when left is right.
    2. Re:Slashdot Comment Author Falsification Service by Colonel+Cholling · · Score: 1

      Must not work to well if you're posting as AC. ;)

      --

      I am Sartre of the Borg. Existence is futile.
    3. Re:Slashdot Comment Author Falsification Service by PatHMV · · Score: 1

      CmdrTaco didn't want to give away his new scheme to get back subscription points so he could resell them, so he had to post as AC.

    4. Re:Slashdot Comment Author Falsification Service by slashdot.org · · Score: 1

      Damn, that works really well!

  5. Stalkers Everywhere Rejoice by scaltagi_the_pirate · · Score: 5, Insightful

    Chalk one up for the stalkers!

    1. Re:Stalkers Everywhere Rejoice by mendoza · · Score: 1

      Actually, the police would love to call the spoffing company and ask for Mr. Stalker credit info.

  6. Soviet Russia by Anonymous Coward · · Score: 0, Funny

    In Soviet Russia, Caller ID Spoofs YOU! (FP)

  7. hidden methods by BoldAC · · Score: 3, Interesting

    The methods behind this are still hidden. They claim that it's not VoIP as most people currently do...

    Any speculation what it could be?

    1. Re:hidden methods by Anonymous Coward · · Score: 2, Interesting

      I don't know the technicalities behind it but I remember Mitnick saying in The Art of Deception that this is dead easy once you have access to a PBX. He used to call radio call in shows and it would look to the DJ like he'd be calling from the White House. I'm sure someone can fill in the details.

    2. Re:hidden methods by Short+Circuit · · Score: 5, Informative

      Anybody can spoof their own Caller-ID info with the right equipment. Use a multi-thousand-dollar system from Panasonic, or go cheap and use Asterisk with a $125 PCI card from Digium.

    3. Re:hidden methods by BoldAC · · Score: 1

      As the article is getting slow, here is the quote to which I am referring. I know how VoIP spoofs... but I have no idea what PRI is... I can't even speculate on what their top-secret method is.

      Jepson says the backend system doesn't rely on the most common methods of Caller ID spoofing - PRI lines and VoIP - but otherwise declined to comment on how it operates, for fear that competitors will launch copycat sites.

    4. Re:hidden methods by Anonymous Coward · · Score: 0

      Do a google.com search on "ISDN calling-number".

    5. Re:hidden methods by m0rph3us0 · · Score: 2, Informative

      A PBX. Seriously, any PBX that allows ANI generation will let you do this. The phone companies switches just forward an ANI if there is one present. When you pick up your phone and make a call the CO generates an ANI for you with your name and phone number now when it calls where ever it keeps fowarding it. You can also spoof an ANI with some calling card services. Basically, you can think of an ANI as being as secure as the proposed DDOS flag on TCP packets.

    6. Re:hidden methods by networkBoy · · Score: 1, Informative

      I don't have the article on me at the moment, but IIRC the caller ID info is sent on something like a 300 baud modem signal mux'd with the ring (ring_caller-ID_ring). That's why you have to wait sometimes 2 or three rings to get the info. All they have to do is

      1) Tell the telco they want Caller ID blocking (disables telco caller ID info)
      2) Send the *spoofed* info between rings with the appropriate format
      3) Profit! (i know there should have been ???)

      -nB

      --
      whois gawk date unzip strip find touch finger mount join nice man top fsck grep eject more yes exit umount sleep dump
    7. Re:hidden methods by a2wflc · · Score: 3, Informative

      T1 protocols let you send caller ID when you place a call. Most telcos either ignore it and put in your "default" number or only let you use specific numbers that you "own".

      I have programmed an IVR system that went through a telco who didn't check the caller ID and I was able to send any number I wanted. I used this feature to test our system since I was able to call as any of our customers (and verify that I got the correct callerID-based greeting & info)

      I've also used a telco who always puts in 9999999999.

    8. Re:hidden methods by Trigun · · Score: 1

      PRI are digital lines, Primary Rate ISDN lines to be exact. You can set the Caller ID on those to be whatever you want them to be, although I'm not certain if you can do that dynamically or not. I'm pretty sure it's up to the PBX to provide that information.

    9. Re:hidden methods by Anonymous Coward · · Score: 1, Insightful

      Stupid F. If you going to Enligten us with this obscure tool named Google than least build a hyper link and if your too lasy to build it than stop helping us out with these Just Google comments. Oh and here is the link: ISDN calling-number

    10. Re:hidden methods by funaho · · Score: 4, Interesting

      This is so brain dead simple to set up it isn't even funny. I can do this at work easily. All you need:

      A computer running Linux and Asterisk

      A T100P (Asterisk T1 card)

      A PRI to a telco that lets you specify Calling-Party-ID (you can get this pretty easily from a lot of CLECs)

      About 30 minutes of coding up a simple perl or PHP script to parse a web form and use the data to dump a call request file into Asterisk's outbound spool directory.

      Voila. Done. Setup cost is whatever you pay for the computer plus $500 for the T1 card (or spring for the quad T1 model at $1500). Your monthly cost to run this service should be no more than about $500 per PRI, plus a little more if you'd rather colo the box somewhere.

    11. Re:hidden methods by mikael · · Score: 1

      Or just change the name/address that your Fax machine sends (I figured out this one when my parents changed address, and their fax machine still sent out the old address). Of course, sending out false details using a fax machine is illegal, so the same rules should apply to CallerID.

      --
      Vintage computer adverts: http://www.vintageadbrowser.com/computers-and-software-ads
    12. Re:hidden methods by Liza · · Score: 1
      1) Tell the telco they want Caller ID blocking (disables telco caller ID info)

      Newsflash!

      This is not an option in many states.

      When Caller ID was first offered, the telcos didn't want anyone to be able to get out of it. This tended to upset groups like undercover police officers and domestic violence shelters, not to mention people who paid the phone company not to list there phone numbers.

      Lobbyists for the telcos had a lot more time to spend convincing state telco regulatory bodies (generally "public utility commission" but the name varies from state to state) that the service was worthless if everyone wasn't forced to participate than the domestic violence shelters had to convince the regulators that this was an invasion of privacy. So the telcos mostly won.

      Most states offer a "per call blocking" option where you dial something into the phone and it disables Caller ID for that call, if they don't offer "per line blocking" as recommended by the poster above. For example, in Wisconsin, the code was either *67 or *69 (I can't remember which). But that doesn't work in Virginia.

      Not all states offer any way to disable Caller ID.

      Liza

      --
      These opinions are my own. My employer is not aware of them, does not endorse them, and is not responsible for them.
    13. Re:hidden methods by Dun+Malg · · Score: 1
      I don't have the article on me at the moment, but IIRC the caller ID info is sent on something like a 300 baud modem signal mux'd with the ring (ring_caller-ID_ring). That's why you have to wait sometimes 2 or three rings to get the info. All they have to do is

      1) Tell the telco they want Caller ID blocking (disables telco caller ID info)
      2) Send the *spoofed* info between rings with the appropriate format 3) Profit! (i know there should have been ???)

      Doesn't work that way. It's a 1200bps burst between the 1st and 2nd rings. I'd like for you to explain how they would send a spoofed data burst when they're not connected to the loop. You see, when you dial a number you're only connected to the telco switch. The telco switch connects to the line you're calling and sends a 1sec 90v pulse every 3sec, and IT puts the 1200bps burst in itself. The ringing noise you hear on your end is just an audio tone played on YOUR circuit by the telco switch to let you know that it's sending the ring signal. You're not physically connected to the other line until the other side gets picked up and the switch ties the two lines together. Pushing a 1200bps burst into the telco switch does absolutely nothing.

      --
      If a job's not worth doing, it's not worth doing right.
    14. Re:hidden methods by dorkino · · Score: 1

      Or just use this for free.

    15. Re:hidden methods by lboxman · · Score: 1

      Except that this isn't free. $0.75 connection fee + $0.07 to $0.15 per minute.

      --
      Regexes are like cocaine. The first hit is pretty good, but afterwards you try to use them to solve all your problems.
    16. Re:hidden methods by Yewbert · · Score: 1
      I've also used a telco who always puts in 9999999999.

      Interesting. A couple weeks ago, I received a call on my Sprint cell-phone, which displayed the caller-id info as "111-111-1111." I laughed and ignored it, thinking it was either a) a fluke, or b) someone calling who was purposely obscuring their info (in which case, fdisk'em, I don't need to talk to 'em), but wonder now if it might have been someone I would have wanted to talk with, who just happened to be calling from a telco that puts in bad info for everyone. Anybody have any idea, based on the "111-111-1111" info?

    17. Re:hidden methods by beanluc · · Score: 2, Funny

      A computer running Linux and Asterisk
      $500

      A T100P (Asterisk T1 card)
      $500

      A PRI to a telco that lets you specify Calling-Party-ID (you can get this pretty easily from a lot of CLECs)
      $500/month

      About 30 minutes of coding up a simple perl or PHP script to parse a web form and use the data to dump a call request file into Asterisk's outbound spool directory.
      Huh? What? Better contract this to Bangalore
      $500.00


      Callin' the boss from his daughter's cellphone to say "My pussy's on the Internet!!"
      PRICELESS!

      --
      Say it right: "Nuc-le-ah Powah".
    18. Re:hidden methods by dorkino · · Score: 1

      oh? and how would this be paid... credit card? so much for anonymity.

    19. Re:hidden methods by Michael+Spencer+Jr. · · Score: 1

      The $125 PCI card from Digium just connects to your telephone line as a standard telephone does -- it can only dial the same DTMF tones a normal telephone can dial, so it has no ability to spoof caller ID.

      If you don't mind paying for something completely different, though, hook up an Asterisk box with some VOIP provider like Voicepulse Connect (google for it), and you can spoof caller ID, changing the spoofed number with a simple config file edit and restart of Asterisk.

      So you were mostly right. :)

      --Michael Spencer

  8. And now... by Short+Circuit · · Score: 4, Insightful

    ...watch legislation arrive to clamp down on who can own PBX equipment, and what it can be used for.

    Bye bye, Asterisk.

    1. Re:And now... by Zak3056 · · Score: 2, Insightful

      ...watch legislation arrive to clamp down on who can own PBX equipment, and what it can be used for.

      I can't believe this got modded as insightful--because it's absurd. Just about any business not being run out of a garage (and some that are) all but requires a PBX or at least a Key system to function on a day to day basis. A bill such as you describe above wouldn't go anywhere even in our idiotic legislature.

      Far more likely would be legislation requiring telcos to configure their switches so customers can't spoof numbers that aren't in DID blocks they own. Most already do this anyway.

      --
      What part of "shall not be infringed" is so hard to understand?
    2. Re:And now... by wackysootroom · · Score: 1

      Too bad the Feds won't blame what's really at fault - the insecure public telephone network. * is a a godsend for those of us who advocate Free Software and can't afford a "hard" PBX.

      I'm wondering if other people will follow suit with a business model that goes something like:

      1. Get a PRI line from Telco
      2. Set up * to spoof callerid using PRI
      3. Profit!

    3. Re:And now... by funaho · · Score: 4, Insightful

      The real problems is companies that treat CallerID as a method of identification. CallerID never was, never has been, and never will be a way of positively identifying who's calling. The best you can do is use it as a hint.

    4. Re:And now... by Jeffrey+Baker · · Score: 1

      This isn't going to happen, or if it does, this won't be the reason. Anyone with an ISDN PRI can spoof Caller ID, and it has always been that way. This service simply gives that ability to people who don't care for ISDN.

    5. Re:And now... by poot_rootbeer · · Score: 1

      CallerID never was, never has been, and never will be a way of positively identifying who's calling.

      Then why is it called "CallerID"?

    6. Re:And now... by Zak3056 · · Score: 1

      Anyone with an ISDN PRI can spoof Caller ID

      When I replaced my copper trunks with a PRI span, OLI for my sets with assigned DIDs was the first thing I played with. Anything that wasn't in my assigned DID blocks was rewritten with the prime number assigned to the PRI.

      So, no--not anyone with a PRI can spoof CallerID. It only works if your provider is stupid enough to let you do so.

      --
      What part of "shall not be infringed" is so hard to understand?
    7. Re:And now... by funaho · · Score: 1

      For a couple of reasons.

      First of all when it was first invented the equipment needed to fake it was rather expensive and probably not many people knew how to do it (security through obscurity!) Now there are dozens of CLECs selling cheap PRIs, and you can even set up a simple VoIP PBX at home using Asterisk. In this respect it is a similar to all the fuss about copying CDs and DVDs: it was always possible, but when burners cost thousands of dollars not many people could afford to do it.

      Second, for your average day-to-day use of just wanting to know who's calling it's good enough. Debt collectors aside, if I pick up the phone and find out my buddy just spoofed caller ID to play a trick on me it's no big deal. But you really don't want to use it as the sole form of authentication for anything critical, especially if money is involved. Fortunately I have yet to run across a bank or credit card phone system that goes by caller ID alone.

    8. Re:And now... by metamatic · · Score: 1

      And SSNs aren't secret, but how many businesses use them for authentication?

      --
      GCHQ Quantum Insert installed. If only our tongues were made of glass, how much more careful we would be when we speak
    9. Re:And now... by funaho · · Score: 1

      Quite true, and if I'm not mistaken they are not even supposed to legally use them as identification.
      Hell even if a company asks for my SSN and my mother's maiden name someone could find out that information with just a tiny bit of effort.

    10. Re:And now... by eggoeater · · Score: 1

      I work for a bank... in the call center... I program the ACDs, the CTI, the routing, the whole enchilada. We don't use Caller-ID, we use ANI. We don't even GET caller ID from the phone company because it's useless. Ever authorize a new credit card from your home phone? Were not using caller ID, were using ANI which can't be spoofed (not easily). Card activation is actually fairly benign. The real risk is when you start talking to a real person. The first thing our reps do is "authenticate" you. This ALWAYS requires three pieces of information. If your ANI matches the phone number on your account, that counts as one piece of information. They would still need to provide SSN, DOB, or MMN (mother's maiden name). Anyone who knows what they're doing doesn't rely on Caller ID. As you said, it will never be a way of identifying who's calling.

  9. Courthouse by Nate+Fox · · Score: 4, Funny

    I knew a friend who worked in a courthouse, and she'd call me from the phone in there.

    The caller id was (999) 999-9999. Always thought that was kinda cool.

    1. Re:Courthouse by lucabrasi999 · · Score: 4, Funny

      Imposter! A female friend? Surely you can't be a slashdotter! You must be spoofing that user id.

    2. Re:Courthouse by garcia · · Score: 1

      I knew a friend who worked in a courthouse, and she'd call me from the phone in there.

      My mom works in a regular old private business. Nothing special about them (in fact they cater mostly to dead people). When you get a call from them it shows up "PRIVATE".

      I find it more annoying than anything. I don't know if it is her that is calling and I don't typically pick up the phone when I don't know who it is.

    3. Re:Courthouse by Uneasysilence · · Score: 1

      That is just simply PBX stuff... Any business with a halfway decent phone system can do this... My caller ID is (666)666-6666

    4. Re:Courthouse by JDevers · · Score: 1

      It's only the higher number IDs that are girlfriendless nerds. The lower IDs all are either such complete loners they have now isolated themselves from society and don't post anymore or have profited nicely for being "in the know" from the beginning and so have women ;)

    5. Re:Courthouse by Andrewkov · · Score: 1
      I knew a friend who worked in a courthouse, and she'd call me from the phone in there. The caller id was (999) 999-9999. Always thought that was kinda cool.

      But doesn't that defeat the purpose? When you see 999-999-9999 you know who's calling...

    6. Re:Courthouse by NoMercy · · Score: 1

      Probably a very bad thing indeed, hit the dialback button and find your connected to the UK emergency services and soon to be billed for prank calls :/

    7. Re:Courthouse by xpurple · · Score: 1

      How right you are. I get meg girl action because of my l33t skills. Even braging about my low slashdot ID can get me a date!

      --
      http://www.xpurple.com
    8. Re:Courthouse by Anonymous Coward · · Score: 0

      When you get a call from them it shows up "PRIVATE". ... I don't know if it is her that is calling and I don't typically pick up the phone when I don't know who it is.

      The phone company should provide a way to unblock the caller ID info for a call. In North America, the standard method is to dial *82 before the number - have her try that when she calls you.

      That should work if they have a regular phone line, but maybe not if they have a PBX.

    9. Re:Courthouse by weave · · Score: 1
      There are numerous exchanges in the U.S. that start with 999. To dial it as a local call, you just enter 999-nnnn.

      That's one reason I like gsm phones. No matter what country you are in with yours, just dialing 112 gets you to emergency services -- even in the U.S.!

    10. Re:Courthouse by paiute · · Score: 4, Funny

      The caller id was (999) 999-9999. Always thought that was kinda cool.

      So - just for variety - we now slashdot a land line.

      --
      If Slashdot were chemistry it would look like this:Cadaverine
    11. Re:Courthouse by xmundt · · Score: 1

      Greetings and Salutations...
      Um...don't think so. The caller ID is
      separate from the number calling in the mind
      of the Phone company's computers. So...when
      you hit dialback, it SHOULD simply send tones
      down the line to request a reverse connection
      to the calling number. Your phone does not
      actually KNOW what the number is that called,
      and, it does not have to. That is why when
      you WANT to call back the number that just
      called you, all you have to do is hit "*69"
      (in America). That tells the computers at
      the CO to reconnect you to the calling number.
      (and yes, I DO happen to find that choice of
      numbers quite amusing).
      Regards
      Dave Mundt

      --
      YAB - http://blog.beemandave.com/
    12. Re:Courthouse by jpaz · · Score: 1

      Funny you should mention girls and dates these days...

    13. Re:Courthouse by logic+hack · · Score: 1

      It was his mother ;)

    14. Re:Courthouse by neomac · · Score: 2, Funny

      I tried and I got, "The number cannot be completed as dialed. Please check the number and dial again."

      Definitely slashdotted..

    15. Re:Courthouse by Anonymous Coward · · Score: 1, Insightful

      Sorry. That area code is Often used by carriers to indicate that the area code information is unavailable for CNID, even though the rest of the number is present.

    16. Re:Courthouse by vinlud · · Score: 1

      I'm wondering how many /. geeks are now trying to call that number :P

      --
      Repeat after me: We are all individuals
    17. Re:Courthouse by Technician · · Score: 1

      Imposter! A female friend? Surely you can't be a slashdotter! You must be spoofing that user id.


      It happens sometimes. I even managed to get married a few years ago. I think I even saw that happened to one of the Slashdot staff. I remember something about a Ask Slashdot on how to propose..

      Some Slashdoters even take baths and use soap! Some don't live in their mother's basement.

      --
      The truth shall set you free!
    18. Re:Courthouse by bobbozzo · · Score: 1

      I know a FED who works in LA; they have their ID set to 213-555-0000

      Unfortunately I've noticed some calling-card telcos use the same ID.

      --
      Nothing to see here; Move along.
  10. How is this even remotely legal? by Gentoo+Fan · · Score: 2, Interesting

    Right off the bat doesn't this violate wiretapping laws? I thought there was a clause that prohibits mucking around with phone tech like this.

    1. Re:How is this even remotely legal? by Anonymous Coward · · Score: 1, Interesting

      isn't there a wider law about false identity?

    2. Re:How is this even remotely legal? by M.+Silver · · Score: 2, Insightful

      I thought there was a clause that prohibits mucking around with phone tech like this.

      While you might run into fraud or other laws, I'm not sure it would necessarily bother any wiretapping statutes. Spoofing caller-ID is different from actually changing what the *phone company* sees as the originating number, so if they're not doing that, they're probably okay. Well, except for the fraud bit, which can get pretty serious, but that would likely be the responsibility of the person using the service.

      --

      Slashdot's token middle-aged housewife
    3. Re:How is this even remotely legal? by kidgenius · · Score: 3, Informative

      No, it doesn't. This has been possible for YEARS. Normally it would require the use of a very expensive piece of equipment known as a PBX. It's able to display caller-id however they want it to. Notice how when you receive calls from very large companies, the number always comes back as the main line, instead of the individuals desk number? That's the PBX working. This is nothing new, and it's not illegal.

    4. Re:How is this even remotely legal? by fpedraza · · Score: 1

      Even cheap PBX's can send any calling party number in Q.931 SETUP, but if the exchange is properly configured it should change the fake info to the ISPBX assigned header number.

  11. Illegal for Telemarketers? by Nos. · · Score: 4, Insightful

    Isn't there a law (at least in the US and Canada) that says telemarketers must make the call with real callerid information supplied?

    1. Re:Illegal for Telemarketers? by doofusclam · · Score: 1

      I don't know, but if this happens in the UK then surely I can nail the ass out of my local loop provider as I pay a seperate charge to receive called-id, and if they're prepared to pass on false info when i've paid for it...

    2. Re:Illegal for Telemarketers? by Anonymous Coward · · Score: 0

      I'm not sure if this is true. Any calls I get from telemarketers appear as "Out of Area".

    3. Re:Illegal for Telemarketers? by damiangerous · · Score: 4, Informative

      Yes. You can find the FTC notice here. Basically telemarketers must provide a real number (and name if technically able). This name/number must be either theirs or the company they're calling on behalf of and it must be a number that is answered during normal business hours.

    4. Re:Illegal for Telemarketers? by UnknowingFool · · Score: 2, Interesting

      Yes but it's also illegal for telemarketers to call you if you've asked them not to or if your number is on a do-not-call list. Legit telemarketers will follow the law. People running scams and telemarketers that don't care will ignore the law.

      --
      Well, there's spam egg sausage and spam, that's not got much spam in it.
    5. Re:Illegal for Telemarketers? by paradizelost · · Score: 1

      The only issue with that law is, if i try this calling you, i am not a telemarketer and not subject to those rules and regulations.

      --
      "In a world without walls and fences, who needs Windows and Gates?"
    6. Re:Illegal for Telemarketers? by Anonymous Coward · · Score: 0

      I wish that were true for political callers too. In St. Louis, people were grabbing the phone number for a defunct business and using it on the fake caller id.

  12. linky by Anonymous Coward · · Score: 0

    damn timer not much there whois

  13. Excellent... by keiferb · · Score: 4, Funny

    Anyone have Darl's phone number?

    1. Re:Excellent... by Anonymous Coward · · Score: 0

      No. But I think Alan Ralsky's number was on /. a while back.

  14. Anyone have a license I can borrow by Anonymous Coward · · Score: 1, Insightful

    ... make the service available only to licensed private investigators ...

    Moreover, we all know that you cannot spoof a license for a private investigator. Those licenses are bullet proof and 100% legitimate. In fact, I have yet to receive a license from a Cracker Jack box or under the lid of a Cola bottle.

    In a later announcement, invertigatorspoof.com released a license to spoof you number for 19.95.

    Spoof on top of Spoof make Spooves?

    1. Re:Anyone have a license I can borrow by ackthpt · · Score: 3, Insightful
      Spoof on top of Spoof make Spooves?

      Please don't tell me you still trust the government...

      make the service available only to licensed private investigators ...

      Yeah, right. Hey, I write out the check and I'm a licensed private investigator. Who the heck ever determined that this should ever be legal, for any entity.

      --

      A feeling of having made the same mistake before: Deja Foobar
    2. Re:Anyone have a license I can borrow by Anonymous Coward · · Score: 0

      Please don't tell me you still trust the government...

      sure, that is why im borowing an open wireless access point with anonymous proxy server in sweeden.

  15. Telemarketers by StevenHenderson · · Score: 3, Interesting

    Jepson claims the service will charge a twenty-five cent connection fee for each call, and seven to fourteen cents per minute.

    Hopefully this will deter the telemarketers. That's my biggest fear.

    1. Re:Telemarketers by Anonymous Coward · · Score: 0

      Telemarketers already have the means to do this. Any type of trunked or primary rate phone line and PBX equipment will let you do this.

      You can even do this with free software and some relatively cheap PCI card(s).

  16. Dan's didn't write it by deadmongrel · · Score: 4, Informative

    Its a copy and paste from theregister.co.uk.

    http://www.theregister.co.uk/2004/08/30/caller_i d_ falsify/

    1. Re:Dan's didn't write it by Uneasysilence · · Score: 4, Informative

      That was edited from my submission, which makes me upset - I gave the register FULL credit for the article with a link. I wrote in to get a correction.

    2. Re:Dan's didn't write it by Uneasysilence · · Score: 2, Informative

      Send an email to timothy{at}slashdot.org to fix the error. The REG was fully credited in my submission.

    3. Re:Dan's didn't write it by Anonymous Coward · · Score: 1

      Good fucking luck. I'm still getting mail about an article Slashdot posted over a year ago and hasn't corrected. Fuckers.

  17. Yeah! by Anonymous Coward · · Score: 0

    Mwhahahahahah!!!!!
    Let's order a few thousand pizza's to his house!

  18. Wire Fraud? by ackthpt · · Score: 2, Informative
    IANAL, but doesn't this:
    A US website will offer Caller ID falsification service...Slated for launch this week, Star38.com would offer subscribers a simple Web interface to a Caller ID spoofing system that lets them appear to be calling from any number they choose.
    constitute Wire Fraud? It's impersonating another party to promote something over the phone. It's obviously for fraudulent intent, how could such a service be allowed, aside from having a boiler-room of phones and wanting all calls to appear to be from the same number (which they probably would anyway.)
    --

    A feeling of having made the same mistake before: Deja Foobar
    1. Re:Wire Fraud? by Short+Circuit · · Score: 1

      There's legal uses, and there's illegal uses. If used illegally, it's the user who's to blame, not the service provider.

      Although there's plenty of room for abuse with this service.

    2. Re:Wire Fraud? by ackthpt · · Score: 1
      There's legal uses, and there's illegal uses. If used illegally, it's the user who's to blame, not the service provider.

      Although there's plenty of room for abuse with this service.

      Particularly by those who *cough* congress *cough* who will sign just about any damn thing into law, for the commond good, the war on terror or because they don't have time to fully read it before heading home on break.

      --

      A feeling of having made the same mistake before: Deja Foobar
    3. Re:Wire Fraud? by hchaos · · Score: 1
      There's legal uses, and there's illegal uses. If used illegally, it's the user who's to blame, not the service provider.
      Tell that to Napster.
    4. Re:Wire Fraud? by kidgenius · · Score: 2, Informative

      No. Caller ID "spoofing" has legitmate uses. If I am calling from inside my company to an outside number, and I don't want that outside number to have the number for the phone at my desk, I would have this system send out the main company line to show up as my number. Interestingly enough, this has been done for years, and is definitely legal. Notice how almost every large corporation has something going on like this? It's because of a piece of equipment known as a PBX, and there's nothing too new about them.

    5. Re:Wire Fraud? by harrkev · · Score: 1

      Please tell me of a legitimate legal use of this service...

      And, NO! Pranks are not a legitimate use.

      I can't thing of any reason to have this that benefits the average person, and lots of reasons not to have it.

      --
      "-1 Troll" is the apparently the same as "-1 I disagree with you."
    6. Re:Wire Fraud? by Short+Circuit · · Score: 1

      There are additional criteria, but perhaps you missed this article? Read the opinion...it makes sense given the subject matter.

    7. Re:Wire Fraud? by Short+Circuit · · Score: 1

      Picture a guy running a call center with 30 outdials, and 5 indials, and all of the indials are pooled around the same phone number.

      You'd want the outgoing calls to show the indial phone number, in case someone called back.

    8. Re:Wire Fraud? by Short+Circuit · · Score: 1

      Wait...you said "average person," so I'm going to give another example.

      John Doe Dad wants to keep an eye on his daughters, so he has outgoing calls from his home show his cell phone number.

      Or another example...

      A small family wants one incoming phone number for each person, but only wants one outbound phone line. So whoever's making the call has their personal number sent out in the caller-ID info.

    9. Re:Wire Fraud? by hchaos · · Score: 1

      No, I do remember the article, and the peer-to-peer nature of Grokster is one of the key reasons it won where Napster lost. Spoofing Caller-Id through a central web site is much closer to the Napster model. Besides, being an accessory to wire fraud used to be a much more serious charge than accessory to copyright infringement.

    10. Re:Wire Fraud? by Short+Circuit · · Score: 1

      Spoofing Caller-Id through a central web site is much closer to the Napster model.

      Not really...There's no way for the website to know exactly what customers are using the service to do. Sure, they may have records of who spoofed themselves as what, but they have no way to know whether or not said spoofing is for a legitimate use. Intent cannot be automatically determined by the spoofed record.

      Napster and Fasttrack knew that they had a massive volume of MP3 trading going on, and, if notified, could tell which ones were likely copyrighted by their filename. The record labels could have secured a court order to force Napster to not return database matches that also matched a list of known pirated files. (But they didn't.) I suppose the same technique could be applied here...a sort of "Do not spoof as" database. Obvious entrants would be political parties and candidates.

  19. That's funny by A_Non_Moose · · Score: 1

    False information given is "truth in advertising".

    --
    Have you read the moderator guidelines? Well, have you, PUNK? (and I want a Karma: Gnarly option)
  20. Simple callback system? by WanderingGhost · · Score: 2, Interesting

    This sounds to me like a simple callback system. It has been used by people who want to reduce the price they pay for international calls -- for several years.

    (You call the callback answering maching, it waits until you dial the number you want; then you hang up; the machine calls the number for you, and calls you. You're not calling "from" your country, and won't have to pay the rates charged there.)

    http://www.google.com/search?q=callback+phone+serv ice

    1. Re:Simple callback system? by bwy · · Score: 1

      But I think the real story here is that someone is hacking the caller ID system. From what I gather, the caller ID system is easily hacked anyway though, I guess it is just semi-newsworthy that someone is combining it with a callback service and offering it as a service.

    2. Re:Simple callback system? by WanderingGhost · · Score: 1

      I guess it is just semi-newsworthy that someone is combining it with a callback service and offering it as a service.

      Well, as I understand callback spoofs your caller ID as a (maybe not planned) side-effect, since the machine will call the calee with its own number. It seems like the new part is only that you can choose the number from which you seem to be calling from.

    3. Re:Simple callback system? by nacturation · · Score: 1

      Well, as I understand callback spoofs your caller ID as a (maybe not planned) side-effect, since the machine will call the calee with its own number. It seems like the new part is only that you can choose the number from which you seem to be calling from.

      That's exactly what's new. The callback feature is merely a side effect. The only reason it calls you back is because you have to input the values into a web form, so it makes sense for them to call you. With a bit more work, they could generate a password online -- you would then initiate the call to them yourself, enter your password, and their system would connect you directly to your intended party.

      --
      Want to improve your Karma? Instead of "Post Anonymously", try the "Post Humously" option.
  21. Should be Illegal by Anonymous Coward · · Score: 0

    This should be illegal. I'm writing my congresspersons today.

  22. Great! by khrtt · · Score: 5, Insightful

    Now the neighbor's kid can activate my credit cards he stole from my mailbox without breaking into my place to use my phone line.

    1. Re:Great! by nsanders · · Score: 1

      Or he could have just used a linesmans handset to use your phone line with out breaking in anyways!

      There's a million ways to do it.

    2. Re:Great! by Beryllium+Sphere(tm) · · Score: 5, Interesting

      >Now the neighbor's kid can activate my credit cards he stole from my mailbox without breaking into my place to use my phone line.

      I would hope the credit card company is using the ANI (Automatic Number Identification) on their 800- line instead of caller ID. It's not subject to the same spoofs.

    3. Re:Great! by Anonymous Coward · · Score: 0

      2 words: beige box

    4. Re:Great! by randombit · · Score: 1

      Now the neighbor's kid can activate my credit cards he stole from my mailbox without breaking into my place to use my phone line.

      A lot of the CC companies don't bother checking anyway. Last time I activated a card, I did it from a friend's landline, as I spent a few (rather nice) years without a phone of any sort, and I had no trouble at all activating it.

    5. Re:Great! by stratjakt · · Score: 2, Interesting

      Yes, but as another poster pointed out, this system calls both numbers then conferences them together. So they'd get the ANI from the central server. Which still wouldn't let the kid activate your credit card.

      Even if, however, they used CallerID, this kid would be caught about a half hour after you notice the fraud.

      This company obviously keeps records of the real numbers on each end, the kid has to pay somehow (aside, do even they verify credit cards to see if you're calling from an approved ship-to address?).

      To avoid serious legal troubles, I'm sure they'd have no problems turning these logs over. At most they'd require a subpoena.

      It's much easier to just plug a handset into the demarq spot outside your home. Or dig up a section of cable and spice your own extension into it.

      The POTS really isn't uber-secure, I'd figure people would take that as a given by now.

      --
      I don't need no instructions to know how to rock!!!!
    6. Re:Great! by Rude+Turnip · · Score: 1

      They must be...I can activate my credit card from home and my number is blocked to caller id units.

    7. Re:Great! by Anonymous Coward · · Score: 0

      When you call a toll-free number, your phone number is unblocked.

    8. Re:Great! by funaho · · Score: 1

      Every credit card I've activated required me to also enter some other form of identification, usually my SSN. If your CC company only requires you to call from your home phone# to activate, I'd strongly suggest another credit card company. And if your neighbor's kids have your SSN or other private information, well, I'll you figure out how to best deal with that one. :)

    9. Re:Great! by slashname3 · · Score: 1

      Actually they don't have to break into your house to use the phone. Most residential houses have the phones enter the house through a an access point on the outside of the house. A simple screwdriver opens the cover. Inside you will find a nice modular jack that connects your phone line with your house wiring. Just carry a standard phone with you, jack into the test jack on the outside of the house and make all the phone calls you want from that line.

      Not that anyone should ever do this. It is a good way to test your phones though to prove the problem is on the line or inside your house.

    10. Re:Great! by kslater · · Score: 1

      Mostly likely he doesn't need to break in anyway. All he needs is cheap landline phone and screwdriver and he can call from the network interface outside your domecile..

    11. Re:Great! by Anonymous Coward · · Score: 0

      I've lived at houses where disconnecting the phone like that triggers an alarm. A very louds alarm.

    12. Re:Great! by Anonymous Coward · · Score: 0

      Of course the important point (when we're using our brains rather than just trying to be clever and show off our telephone hacking skillz) is that the former is a whole lot easier.

    13. Re:Great! by eggoeater · · Score: 1

      Just for the record.... I'm a call center programmer for a bank... we use ANI. We NEVER user caller ID for ANYTHING. See my earlier post.

    14. Re:Great! by Magic5Ball · · Score: 1

      telephone hacking skillz

      Unscrew panel with screwdriver, unplug RJ-11 to premesis punch-down box, plug in $5 phone, dial, reverse hardware changes. Total time: 30 seconds+length of call.

      Versus buying a PI badge from eBay and engineering a company...

      --
      There are 1.1... kinds of people.
  23. CallerID != ANI by GGardner · · Score: 5, Informative

    Phone customers with 800 and other toll free numbers get the caller's number delivered via ANI (automatic number identification), which is not CallerID. I suspect that this service will not change the ANI, as ANI is much harder to block than CallerID.

    1. Re:CallerID != ANI by Tazzy531 · · Score: 4, Interesting

      It seems like what this service does is calls the two numbers and conference them together. So even if they get the ANI, it's going to be the ANI for the central server.

      --


      _______________________________
      "I'm not Conceited...I'm just a realist..."
    2. Re:CallerID != ANI by Have+Blue · · Score: 2, Informative

      And it will take the 800 service operator about 30 seconds to put a rule in their phone system to redirect all calls from that ANI to a dead end telling the caller they're not allowed to access the 800 service with a spoofed phone.

  24. What's next ? by KoolDude · · Score: 1


    An e-mail falsification service ?

    Oh, wait...

    --
    getSexySig(); /* returns sexy signature */
  25. This is nothing new by mhesseltine · · Score: 5, Interesting

    As Kevin Mitnick pointed out in his book The Art of Deception, anyone with a PBX system can program their outgoing Caller-ID information to show anything they want.

    As far as star38.com goes, I wonder what purpose they hope to serve by doing this. After all, it's a free service, and as we all know, nothing in this world is free. Could it be that star38.com will sit in the middle and record these conversations, either to sell prank calls a la The Jerky Boys? Or, maybe they'll gleam little bits of information about people and sell that marketing information to companies?

    --
    Overrated / Underrated : Moderation :: Anonymous Coward : Posting
    1. Re:This is nothing new by MadBurner · · Score: 1

      off the top of my head I can see them building phone number lists, monitoring frequently called numbers, theres just a plethera of statistical info they could sell. I personally think this is shit! We know with the lack of morals in todays society it will be abused by 12 year old punks that think they are cool. And abused by telemarketers.

    2. Re:This is nothing new by thedillybar · · Score: 1
      >As Kevin Mitnick pointed out in his book The Art of Deception, anyone with a PBX system can program their outgoing Caller-ID information to show anything they want.

      Hey, I'm not the only slashdotter that's read this book. Hopefully now even you non-readers are enlightened to the fact that caller id is not a means of authentication.

    3. Re:This is nothing new by Anonymous Coward · · Score: 0

      Damn, that book sucked hard.

    4. Re:This is nothing new by fpedraza · · Score: 1

      "As Kevin Mitnick pointed out in his book The Art of Deception, anyone with a PBX system can program their outgoing Caller-ID information to show anything they want." Not working if the PBX is connected to "my" 5ESS. If the caller info in the SETUP is not belonging to any assigned DDI range, the exchange assigns the header number configured in the service to any outgoing call.

  26. More reasons not to pick up the phone. by Agent+Green · · Score: 1

    I don't answer the phone from any number I don't recognize as it is. Now, services like this throw out the trustworthiness and convenience of Caller ID.

    Maybe I'll just keep the phone for 911, maybe keep the answering machine at best.

    --
    // Agent Green (Ian / IU7 / KB1JQO)
    // IEEE 802.3: All 10base Are Belong To Us
    1. Re:More reasons not to pick up the phone. by MBaldelli · · Score: 1

      I don't answer the phone from any number I don't recognize as it is. Now, services like this throw out the trustworthiness and convenience of Caller ID.

      This is rather interesting and I had to put a little thought into this. The only one that could possibly benefit from this sort of spoofing with a call coming into my household would be either, an EX that I don't ever want to speak to again, or the phone company.

      Seems a waste with the phone company -- they own the line, and they've gotten through the call block that I had set up for them. And any EX of mine that's able to do this sort of thing -- well then, they're geekier than me. Which to me doesn't seem possible.

      Seriously -- the only way that they could possibly get through spoofing would be that they know who you're calling and who you're talking to. Something I'd like to see shared from the phone companies (which would be a breach of privacies, let me tell you).

      --
      "The truth points to itself." - Kosh, Babylon5
    2. Re:More reasons not to pick up the phone. by u-235-sentinel · · Score: 1

      Maybe I'll just keep the phone for 911, maybe keep the answering machine at best.

      That's what I pretty much do these days. Call screening via my answering machine. If they don't have time to leave a message then why should I answer the phone at all?

      "I'm busy playing Doom 3, please leave your message at the tone" :-)

      --
      Has Comcast disconnected your Internet account? Same here. You can read about it at http://comcastissue.blogspot.com
  27. Strike it Down by Doesn't_Comment_Code · · Score: 1, Interesting

    While technically neat, I think most would agree that this is an abuse, and that it is wrong.

    I don't think the FCC will let this stand long. Especially if telemarketers, or similar crud start using it in the obvious ways.

    Could the DMCA be applicable here? I can't recall all of its subtle clauses right now. But I wouldn't be suprised if such a technology violated it (everything else seems to). Can you imagine? The DMCA being used for good !?

    --

    Slashdot Syndrome: the sudden, extreme urge to correct someone in order to validate one's self.
  28. Previous incarnation by hey · · Score: 1

    http://web.archive.org/web/*/star38.com

  29. What about orange boxing? by urinetrouble · · Score: 1

    I haven't really toyed with this for a long while, but what about Beating it yourself?

    1. Re:What about orange boxing? by Anonymous Coward · · Score: 0

      I only beat it myself on those nights when your mom's busy.

  30. And I have already defeated the service.. by AnswerIs42 · · Score: 3, Informative

    All my calls go to the answering machine...

    1. Re:And I have already defeated the service.. by Anonymous Coward · · Score: 0
    2. Re:And I have already defeated the service.. by hobo2k · · Score: 1

      Or the Fight Club way:

      "I star-69'ed you. I never pick up my phone."

  31. Yummy by Anonymous Coward · · Score: 0

    Would Cmdr Taco like his pizza's with or without anchovies?

    1. Re:Yummy by SoulPatch · · Score: 1, Funny

      Jenny loves anchovies... call anytime 867-5309

  32. Someone will use DMCA to shut down the website by Anonymous Coward · · Score: 0

    There is a very high probability that a disgruntled person or persons affected by the website's services will file a DMCA lawsuit against the website in an attempt to shut it down forever and ever.

  33. Spoof for Truth by Doc+Ruby · · Score: 5, Interesting

    I need a service like this, to make my CallerID more accurate. I have a VoIP landline and a mobile phone, with two different numbers. The landline rings my mobile simultaneously, at no charge, so I distribute only that phone#, and answer whichever phone is nearest - I'd prefer the mobile# remain undisclosed, to funnel all calls through the landline#. But when I initiate calls from my mobile, the recipient gets only the mobile#, which they might call back directly, insert into their contacts list, etc. But incoming calls on that mobile# won't ring my landline (although a less robust service for the mobile has a charge, while the landline multiringing doesn't). So I'd like to spoof the landline# when making mobile calls.

    One way to do it would be to call a service at my VoIP landline, authenticate my mobile# CallerID, and replace the call to the actual recipient, from the landline with the landline# sent in CallerID. A better way would be to learn from email, and include both a "From:" and a "Reply-To:" field in the sent CallerID metadata. This service is a step in the right direction.

    --

    --
    make install -not war

    1. Re:Spoof for Truth by Morgon · · Score: 1

      I was just about to make a post of a similar nature.

      When I leave my house, I have call-forwarding on my home line to go to my cell. I'd love a way for my outgoing cell calls to report my landline number, since that number will -always- get to me, whether I'm home or not.... and so that people don't call my cell when I'm home, since the big VZ doesn't have strong enough towers to give me a signal from inside my house.

      --
      [DISCLAIMER: This post is a work of satire and should not be misconstrued as a holy text upon which to base a religion.]
    2. Re:Spoof for Truth by myov · · Score: 1

      Does your mobile carrier offer a service to change your outgoing CallerID info? I'm not sure if a mobile carrier would do it, but my landline company has (companies with multiple lines often do this).

      --
      I use Macs to up my productivity, so up yours Microsoft!
    3. Re:Spoof for Truth by Doc+Ruby · · Score: 1

      I asked Sprint for that service, and they told me they don't offer it. They told me it was illegal for them to do it, but Sprint lies about anything necessary to cover up its abusive customer service.

      --

      --
      make install -not war

    4. Re:Spoof for Truth by bobbozzo · · Score: 1

      My Nokia 6800 has an option to turn off caller ID sending. (AT&T Wireless, SoCal, GSM)

      --
      Nothing to see here; Move along.
  34. Saw this over the summer by Fus · · Score: 1

    I saw this displayed at NYLF Tech by Kevin Mitnick. Its still sweet.

    --
    _____^_-________ Fus Was Here
  35. algorithm change by Nuttles · · Score: 1

    Algorithm

    if phone.rings() {
    if me.personINow(callerid.name) {
    me.answerPhone()
    }
    else { /*do nothing
    let answering machine pick it up */
    }
    }

    problem solved
    logic, it is a wonderful thing

    Nuttles
    Saved by Grace

    1. Re:algorithm change by Anonymous Coward · · Score: 0

      if me.personINow(callerid.name)

      if the caller person is IN and it is painful ('ow') you'll answer the phone?

      What kind of phone service are you running?

  36. Seems useless to me. by Sans_A_Cause · · Score: 5, Funny

    Unless they figure out who all my friends and family members are. I don't answer the phone if I don't recognize the number. My current phone number is one digit off from the local KFC, so I get a half-dozen calls every day that I don't answer.

    1. Re:Seems useless to me. by MBaldelli · · Score: 1

      My current phone number is one digit off from the local KFC, so I get a half-dozen calls every day that I don't answer.

      Oh I can definitely feel your pain!!!!! Mine used to be the number for a Male Adult Escorting Service. And is also often confused with a local Women's Clothing store in a different area code.

      --
      "The truth points to itself." - Kosh, Babylon5
    2. Re:Seems useless to me. by commodoresloat · · Score: 4, Funny
      Who the hell calls KFC? IIRC, they don't deliver or take orders over the phone. It's fast food, what are you going to ask them? Hey, you guys have any chicken today?

      Actually, you could have a lot of fun answering some of those calls and playing games with the callers. "I'm sorry, Sir, we're out of chicken today. No, our other stores are out of chicken too. In fact, we're under new ownership, and will feature an all vegetarian menu. Thank you for calling Kentucky Fried Tofu."

    3. Re:Seems useless to me. by sabNetwork · · Score: 1

      Hilarious. I wish I had mod points.

      --

    4. Re:Seems useless to me. by rvw14 · · Score: 1

      My phone number used to be one number off of a local doctor's office. As my answering machine just had a basic "Please leave a message", I would get some very detailed messages. I was almost tempted to call back a couple times pretending to be the doctor.

    5. Re:Seems useless to me. by iantri · · Score: 1

      They deliver here. (Bowmanville, Ontario)

    6. Re:Seems useless to me. by Mateito · · Score: 1
      My current phone number is one digit off from the local KFC

      caller: Hi. Is that KFC

      you: No...

      caller: Got any chicken?

      caller: *giggle*giggle*giggle* [hangup]

    7. Re:Seems useless to me. by HarvardAce · · Score: 2, Funny
      Oh I can definitely feel your pain!!!!! Mine used to be the number for a Male Adult Escorting Service. And is also often confused with a local Women's Clothing store in a different area code.

      Yes, I can feel the excruciating pain of having women who want to pay a man to provide them "company" accidentally call me instead...

      --
      Note to self: Stop putting jokes in my insightful comments so I can get something other than +1 Funny!
    8. Re:Seems useless to me. by Baseclass · · Score: 1
      My phone number was slightly different than a local car dealership (i.e. 555-3333/553-3333).
      I finally started giving people the correct number when they called me.

      Thankfully the strip of dealerships had to go when they expanded the freeway several years ago. Although I do get the occassional call to this day. apparently some people still use paper phonebooks from years past. p

      --
      ^^vv<><>BA
    9. Re:Seems useless to me. by MBaldelli · · Score: 1

      Yes, I can feel the excruciating pain of having women who want to pay a man to provide them "company" accidentally call me instead...

      The majority of the calls are from men actually...

      --
      "The truth points to itself." - Kosh, Babylon5
    10. Re:Seems useless to me. by Anonymous Coward · · Score: 1, Insightful
      Who the hell calls KFC?

      Hi, we're running late for dinner, what time do you close?

      Hi, we're out-of-towners that got this number from a friend. What are the directions to your KFC?

      Hey we're coming to your store, but have a muslim friend. Do you serve hal-al? (Okay that's a stretch :)

      I can see many reasons for people to call KFC - even discounting people calling their friends/relatives who are employees there, or babysitters etc. calling parents who were going by there (family emergency)...

      Lets face it. If there was no reason to call KFC they wouldn't have a phone now would they? And yet they do.... Hmmmmmm.

    11. Re:Seems useless to me. by Marimus · · Score: 2, Interesting

      Having a phone doesn't indicate need or desire to call somebody.

      My bank no longer has a phone, although plenty of people want to ring them. The found answering the phone was costing them money, so they got rid of it.

      I think you can fax them, but you can't ever talk to a human being, unless you enter the branch (where incidently, they charge you for just about everything). Small town, one bank - what you gonna do?

      --
      Umm, can I submit a response later?
    12. Re:Seems useless to me. by bobbozzo · · Score: 1

      So, answer the phone like this:

      KFC, Wanna Neck?

      or

      KFC, would you like to try our breasts & thighs?

      seriously, though,

      When I got my first phone line, I was getting calls almost every morning around 7AM for some business. No calls after 9am. Turns out it had belonged to temp staffing agent, and people would call for a temp when their employees called in sick or whatever.

      I finally ended up calling the phone company (Pac Bell, now known as SBC) and requesting another #.
      They were a little argumentative about it but they did it quickly.

      More recently, we were getting faxes in the middle of the night, even though we never had a fax machine.
      Once again, we got Pac Bell to change the # after a little arguing.

      The first time they did it for free as it had belonged to a business before. The second time they wanted $20 but I think I talked them out of it.

      --
      Nothing to see here; Move along.
  37. Hampering communication.... by mercury83 · · Score: 5, Funny

    The more advanced and complex our communication systems get the more confusing and time-consuming and frustrating it becomes to communicate. It's odd how many people I know that will send emails to people, or chat online, but barely talk to people in person -- or at least with any real depth. The more "advanced" our communication, the more time we spend dealing with all the problems of communication that crop up (spam, caller id spoofing, junk mail, etc.)


    I know this whole group of people who are barely seen by other people and do nothing but communicate with random people from all over the world on a website.

    Oh wait... damn ... nevermind

    1. Re:Hampering communication.... by Rick.C · · Score: 1
      The more advanced and complex our communication systems get the more confusing and time-consuming and frustrating it becomes to communicate.

      Exactly! We should all try to keep it as simple as possible and communicate using only one finger.

      --
      You were 80% angel, 10% demon. The rest was hard to explain. - Over The Rhine
      "Math in a song is good."-Linford
  38. Here comes the wave of young boys calling girls... by TruthDefender · · Score: 4, Interesting
    ...and breathing heavily on the phone.

    Why would a website want to offer this kind of service and put themselves in legal jeopardy?

    And could traditional phone companies block them the way spam is blocked, to say anything originating from their service is blocked? I hope the telemarketers don't start using this kind of system. I am on the do not call list, and suddenly the number from which telemarketers call has switched from USA numbers to numbers located in Canada.

  39. smells like a lawsuit by vinn · · Score: 1

    First off, this stuff isn't hard. Anyone with a PBX and some voice circuits (such as ISDN PRI's) can do this. However, what they can't spoof is ANI since that's configured on the telco side.

    More distressing is if they allow calls to somewhere like 911. Most 911 centers are configured to receive ANI (which again, is different than caller ID as well as the billed telephone number), so they would definitely receive the ANI of where these voice circuits terminate. However, they may receive caller ID and may even base location on it. In that case I would think the public utilities commissions would immediately take interest in this.

    Of course, these folks probably aren't that dumb, so they probably don't allow 911 calls. One thing I didn't consider is that these guys might have connections (such as, they might be their own CLEC) and can really spoof the ANI too.. not sure what happens there.. all bets are off and the chance they'll get in trouble is pretty high.

    --
    ----- obSig
  40. Dept colection? Great by Felinoid · · Score: 4, Interesting

    Reminds me of the day when I receaved a bill for $100 for a mag subscription to a sports mag I never wanted.
    (Not a sports fan)

    They identified themselfs and I contacted a laywer who was apparently handling a class action lawsute against thies people (not the dept colection agentcy but the people they were colecting for) for fraud.

    Dept colection agentcys should not be alowed to hide who they are (or who they work for) for this reason.

    --
    I don't actually exist.
    1. Re:Dept colection? Great by Anonymous Coward · · Score: 5, Funny

      Dear god, BUY A DICTIONARY!!!

    2. Re:Dept colection? Great by Anonymous Coward · · Score: 0

      I don't actually exist.


      Well that would certainly explain your inability to spell.
    3. Re:Dept colection? Great by stratjakt · · Score: 5, Interesting

      Debt collection agencies cant (in the US) hide who they are. They can't hide the purposes for which they call you. Ie; every call you get starts with "any information collected is for the purpose of collecting a debt..."

      They can't call you on Sunday, they can't call you at work or after 6PM (IIRC), without your explicit permission.

      There's very little a debt agency can do. They have no power, and they can't make you pay. They can only remind you that you owe. They like to sound official and intimidating, because they want to scare you into paying up, and paying all the ridiculous late fees and stuff they assess.

      The only way they can make you do anything is through the courts. Once things get that far, you can cut a deal, like paying off the debt but dropping the late fees etc. Because then they compare the late fees to legal fees. Note that by this point your credit report is already boned so you aren't hurting yourself by not bending over for the thugs.

      --
      I don't need no instructions to know how to rock!!!!
    4. Re:Dept colection? Great by Alioth · · Score: 4, Interesting

      Well, they DO call after 6pm. A friend of mine got in debt trouble after his son crashed his motorcycle (without wearing a helmet I may add) and suffered serious brain damage. All the stuff he had on credit became secondary to paying medical bills.

      They called him at 11pm, 1am etc. He changed his phone number. So they called his family and found his new phone number and started again. Someone who can't even pay off their debts probably can't pay a lawyer to stop the harrassment.

    5. Re:Dept colection? Great by stratjakt · · Score: 1

      Sure they do, but they aren't allowed to. They call at work, and on Sundays, etc. They do all sorts of sleazy things they aren't allowed to.

      It's the typical boiler-room scenario. The kids at the phones have quotas and are coerced into this behaviour. Of course, in court, the manager just claims the employee acted on their own and that wasn't their policy, blah blah..

      Anyhow, there are plenty of non-profits your friend can call who will take care of the offenders. All those free credit counselling services out there. You see them advertised all the time. Creditors won't pick fights with these guys. On the contrary, most creditors have a good relationship with these orginizations, because getting some money is better than getting none at all.

      Of course, some are legit non-profits set up to help people like your friend, or other regular folks to fix their credit. Many others are thinly-veiled loan brokers who just want to sell you a debt consolidation loan. Rob Peter to pay Paul. They work on comission selling loans, and could give a fuck if you can repay the loan. They belong on the same level of hell as all the home refinancing spammers.

      --
      I don't need no instructions to know how to rock!!!!
    6. Re:Dept colection? Great by C0rinthian · · Score: 1

      The thing that most people don't know, is that the original company the debt is with (Whoever gave you the credit in the first place) is NOT bound by the FDCPA. (Fair Debt Collections Practices Act) The original lender call call you all they want, whenever they want. Most of them still follow the FDCPA as policy, but they don't have to.

      I believe the limitations on collection agencies is that they can call between 8am-9pm 7 days a week, but they can only make contact (identify themselves at any given number) 3 times in 5 days. Basically, if they identify themselves to your HR dept 4 times a week, they're in violation. Also, if you submit a cease and desist order, they have to abide by it. Simply list any number they could possibly try (home, work, relatives, etc) on the cease and desist letter.

      I learned all this working collections. It's been a year or two, so I may not be totally accurate.

    7. Re:Dept colection? Great by HermanAB · · Score: 1

      He is American. He went to a public school. You have to take pity on the poor sod...

      --
      Oh well, what the hell...
    8. Re:Dept colection? Great by arminw · · Score: 1

      A caller ID and and answering machine solves that problem.
      Just don't answer the phone directly anymore if the number is not listed or from someone you don't know. If they leave a message its easy to ignore them.

      --
      All theory is gray
  41. Good God... by TruthDefender · · Score: 3, Interesting
    Debt collection agencies already mask their online and phone identities pretty well. Using common telephone setups (before the big Asterik "save the children" bullshit) they just appeared as whatever they wanted. In fact their web-presence is generally unknown and they even mask their hostnames to the rest of the world with benign addresses like mta-mailserver.alliedfinancial.com (this is a recreation of an actual NAT host used by a collection agency).

    My state has laws saying if you tell a creditor to stop calling and only communicate with mail, they have to honor that. Yet I know people with bad credit, and the phone rings with "Unidentified" in the caller ID. He is pretty sure it is the collection agencies because it happens all day long, at least once every other hour. About every 10th one of these unidentified calls is a recorded message saying "call 1-913-xxx-xxxx" or some number like that.

    How can collection agencies circumvent the law? How can someone prove it is them?

    1. Re:Good God... by garcia · · Score: 1, Insightful

      How can collection agencies circumvent the law?

      Perhaps the people should pay their fucking bills on time and not just ignore them for weeks/months/years?

    2. Re:Good God... by PlusFiveTroll · · Score: 0

      Hmm, Flamebait from such a low SID.

    3. Re:Good God... by Anonymous Coward · · Score: 0

      Flamebait? No, truth, there's a difference. Let's have people take some fucking responsibility for what they have done.

    4. Re:Good God... by Anonymous Coward · · Score: 0

      This isn't your style, garcia. Surely you know that unscrupulous companies will use bait-and-switch tactics and/or outright lies to generate debtors with whom to "settle". I think that this (coupled with the fact that investigations take time, if they are done at all) is enough to warrant some protection from harassment for the general public.

    5. Re:Good God... by bryanp · · Score: 1, Insightful

      Why is suggesting that people pay the debts they incur according to the terms they agreed to flamebait?

      If you can't afford to pay your bills, don't borrow the money. It's just that simple. It's surprising how little money you actually need to get by. You do not need a cell phone or a computer or high speed internet or cable tv - or a tv at all. These are luxuries. You need food, shelter, clothing and transportation to your job. The rest is nice to have but not necessary.

      --
      "An unarmed man can only flee from evil, and evil is not overcome by fleeing from it." Col. Jeff Cooper
    6. Re:Good God... by Politburo · · Score: 4, Insightful

      I guess you've never been in the situation where some faceless company decided you owed them money for no reason. It's not exactly fun. Furthermore, you imply that the fact that some people haven't paid their bills means that collection agencies should be able to break the law. Was that your intent? Do you support vigilante bill collection?

    7. Re:Good God... by TruthDefender · · Score: 5, Insightful
      Perhaps the people should pay their fucking bills on time and not just ignore them for weeks/months/years?

      You must be lucky to never have had a major sickness in the family. Something like that can drain all bank account funds.

      And while I am not defending those who owe money, do you have any idea how many college kids get 4 or 5 credit cards, thrown their way. Heck, they hand out t-shirts and phones and cd's for students who sign up. Students should be a little smarter, but it can be hard to resist the free give away.

      Even if the debt is valid, do you think it resonable for collection agencies to call every day. It stinks of harrasment. Perhaps the credit card companies should be a little more picky with who they grant credit to. But for them, a $500 credit line which is not paid, and has interest of 19% or more, and a $30 a month over the limit fee, and another $39 a month late fee, can easily become over $2000 before the credit card sells the debt to some collection agency for a profit. Then the collection agency adds on a collection fee. You could easily see that small debt go up ten fold. They make money getting people into debt.

      And I know this person who needed a car for work. Their credit was so-so, not perfect but everything was paid. The dealership sold a low end used chevy for $8000 even though the blue book value was $7000. It was the only dealership willing to finance a car for her, and at a high interest rate for 4 years. She did the math and found out at the end of 5 years she would have paid over $14,000 for that car. And 2 1/2 years into paying the debt, the car's blue book is now worth $3000 but she owes $7000 left. If that car breaks and she can't get to work, how can she pay that debt. She will not have a car but will have a monthly payment due. That is how people get in trouble.

    8. Re:Good God... by Artifex · · Score: 3, Insightful
      Perhaps the people should pay their fucking bills on time and not just ignore them for weeks/months/years?


      I just recently quit a job tgat I'd been working since December. I worked the night shift, and several times a week I'd find a collection call left in my voice mail from someone trying to reach whoever had my extension before me. At first, they knew they weren't calling that person any more, but later on they just had a machine do it almost daily.

      Collection agencies shouldn't have the right to waste my time and my employer's money.
      --
      Get off my launchpad!
    9. Re:Good God... by Tassach · · Score: 5, Interesting
      Perhaps the people should pay their fucking bills on time and not just ignore them for weeks/months/years?
      Perhaps you should get off your fucking high horse and realize that there are legitimate reasons for not paying a bill. Fraud happens. Billing errors happen.
      --
      Why is it that the proponents of "one nation under God" are so eager to get rid of "liberty and justice for all"?
    10. Re:Good God... by Anonymous Coward · · Score: 1, Insightful

      And unfortunately there are sometimes things called medical bills and people sometimes have to decide "should I send in my auto payment or pay for the operation for my wife/child/mother."

    11. Re:Good God... by glpierce · · Score: 5, Informative

      "do you have any idea how many college kids get 4 or 5 credit cards, thrown their way"

      Simply having credit cards doesn't put you in debt (and shouldn't cost you anything, either). The problem isn't the availability of credit cards, it's the complete lack of understanding what a credit card is that students get into trouble with. For some reason, many people think of a credit card as free money - that if it's not draining their account right now, it's not real money. Parents are to blame, not heartless corporations (this time).

      --
      G
    12. Re:Good God... by Anonymous Coward · · Score: 0

      And after a few months of being off unemployment, you don't even really need more than one or two meals a week.

    13. Re:Good God... by Steve+B · · Score: 4, Insightful
      Why is suggesting that people pay the debts they incur according to the terms they agreed to flamebait?

      I dunno -- perhaps for the same reason suggesting that people attempting to collect debts should obey the law is "flamebait"....

      --
      /. If the government wants us to respect the law, it should set a better example.
    14. Re:Good God... by philbert26 · · Score: 1
      Perhaps you should get off your fucking high horse and realize that there are legitimate reasons for not paying a bill. Fraud happens. Billing errors happen.

      I've never been a victim of fraud, but last time I was billed incorrectly, I was quite keen to talk to the company about it. They didn't need to fake caller ID to get me to talk.

    15. Re:Good God... by Jah-Wren+Ryel · · Score: 3, Insightful

      Perhaps the people should pay their fucking bills on time and not just ignore them for weeks/months/years?

      You must live in a perfect world. Too bad no one else does.

      I know a guy who cancelled his cabletv and phone service over a year ago. The cableco was so F-ed up that they kept trying to bill him. He finally got it cleared up, but now they send him a monthly bill for $0.00. Every month, on the dot. No big deal right? Well, they also have sicced a collection agency on him for the original misbilled amount. He sent the agency copies of the last 6 $0.00 bills. They still keep claiming that he owes money. I don't know how much more proof than $0.00 bills for the last half year one might need to get the dogs called off.

      Fortunately since it was a combo cable/telephone provider the only phone number the collection agency has for him is the same phone number that he cancelled when he cancelled his account with them. But that hasn't stopped the collection agency from sending him a bunch of those mysterious letters that look like junk mail and don't say anything but imply threats to life and limb, if not credit score.

      All in all, he's glad he quit comcast (oops!), with their 1GB usenet quota and secret bandwidth limits and steadily increasing prices for broadband and tv, the incompetent billing is just the icing on the cake. I'm glad I never had them to begin with, and next time I move, I will make sure to stay out of comcast-monopolized territory .

      --
      When information is power, privacy is freedom.
    16. Re:Good God... by thelexx · · Score: 1

      What a rude, insulting and inconsiderate way to ignore the question.

      --
      "Gold still represents the ultimate form of payment in the world." - Alan Greenspan, 1999
    17. Re:Good God... by csritchie · · Score: 1

      That's a brilliant statement. Everyone knows the only way collection agencies make money is by following the strict guidelines dictated by honesty and morality. It's not like the Credit Agencies haven't had class action suits against them...

      What's worse was actually maintaining the insightful status, come on guys, feeling a little off sided from the start of the GOP convention?

    18. Re:Good God... by garcia · · Score: 2, Interesting

      And while I am not defending those who owe money, do you have any idea how many college kids get 4 or 5 credit cards, thrown their way. Heck, they hand out t-shirts and phones and cd's for students who sign up. Students should be a little smarter, but it can be hard to resist the free give away.

      Crazy as it may sound I went to college and I saw those tables set up all over campus, I got those envelopes in the mailbox in my dorm and off-campus, and I even passed every single one of those T-shirts up. Can you believe that? Self-restraint!

      I have no qualms in telling someone that has run themselves into debt because they couldn't pass up a free t-shirt to get a life. I am actually quite disappointed that you would support those kids. Yet another example of no one needs to be responsible for their own actions. It was the fault of the CC companies throwing freebies away! OOOOOOH shiny plastic. Give me a break.

      Even if the debt is valid, do you think it resonable for collection agencies to call every day. It stinks of harrasment. Perhaps the credit card companies should be a little more picky with who they grant credit to.

      Do you think it is reasonable to go for weeks/months/years without paying off what you owe? You apparently do because you seem to be flatly defending them. Yeah CC's suck and their terms suck. The promise of free money that you don't have is nice but you certainly don't have to give in to the temptations.

    19. Re:Good God... by SirWhoopass · · Score: 5, Insightful

      A billing error can be resolved directly with the company. I've had billing errors. I've had the bank cash checks for the incorrect amount. I've never had a firm that wouldn't work to address the issue. It's not like the cable company accidentally charges you for Showtime and then immediately sends your account to a collection agency. It takes months before they even consider selling the debt.

      The fact is that most people will simply ignore the bills instead of taking some responsibility. If you can't pay, you need to call up the company and talk to them, not throw the bill away and worry about it next month. Almost every single company will work with you to negotiate something (not because they're nice guys, but because it is cheaper for them than foreclosure, reposession, or selling to collection agencies).

    20. Re:Good God... by orangesquid · · Score: 2, Insightful

      Yes, exactly. You can't choose what genes you get; things like cancer, endometriosis, and organ failure can costs tens of thousands of dollars PER YEAR, sometimes PER MONTH.

      --
      --TheOrangeSquid Is it any wonder things seem so awry? We swim in a sea of confusion and don't have to think to survive
    21. Re:Good God... by SomeoneGotMyNick · · Score: 1


      I guess some people are lucky to have the same job with regular promotions and raises since they were 18.
      </SARCASM>

      Boy, if I hadn't been in the wrong job at the wrong time, I would have a substantial savings account by now. Instead, I ended up draining it when I needed to pay things off after being let go from a job in a career which economists said would be strong for many years.

      That was a long time ago. I'm still recovering my savings account. I'm sure there were many others who didn't have the nest egg and couldn't pay their bills. It wasn't their fault. They didn't walk off the job intentionally.

      Ignoring bills deserves the wrath of creditors. Working with them for temporarily lowered monthly payment arrangements works out very well. At least contact was maintained with them.

    22. Re:Good God... by Anonymous Coward · · Score: 0

      yeah well but thats a negligible number of cases compared to the huge number of ppl living under real credit card debt. how is asking to pay your bills on time a bad thing ? I think everyone should live within their means ... if you cant afford something then you probably dont deserve it because you dont work hard/smart enuf.

    23. Re:Good God... by Dachannien · · Score: 1

      Why would anybody spend $8k on a crappy used car, especially when they can't get a good auto loan? You can get a new car for another $4k, or a decent used car for peanuts if you take the time to look.

    24. Re:Good God... by Anonymous Coward · · Score: 0

      I'll spend the vast majority of my time defending those worthy of defense. Those not worthy will have to get by on the scraps. For most of these debtors, i have very little sympathy.

    25. Re:Good God... by oldosadmin · · Score: 1

      fraud happens... billing errors happen Unemployment happens...

      --
      Jay | http://oldos.org
    26. Re:Good God... by Alioth · · Score: 2, Interesting

      I have to ask why she bought a $8000 car on credit instead of a $500 car with cash. An $8000 car is a luxury (especially on credit - I make it a point NOT to borrow money to buy a car because the depreciation + interest rate almost always makes it a lousy deal). When I couldn't afford a nice car, I bought a cheap one. Even if you have to spend $500 a year buying a "new" run-out once a year 'cos the old one breaks, it's cheaper than the debt. Then save up for a better car with the money you'd have otherwise spent on interest, and have the better car without ending up in the situation where you've paid $14000 for a depreciating asset that's now only worth $3000.

      Of course it's a free country and you can borrow money for a car if you like, but don't whine about it when you find it's a crappy deal - basic junior school arithmetic can be used to tell it's a crappy deal before even entering it. I do have some sympathy for many in this trap because they've often fallen for high-pressure sales, but it still doesn't change the fact that they did it to themselves.

    27. Re:Good God... by TruthDefender · · Score: 3, Insightful
      Crazy as it may sound I went to college and I saw those tables set up all over campus, I got those envelopes in the mailbox in my dorm and off-campus, and I even passed every single one of those T-shirts up. Can you believe that? Self-restraint!

      You might have passed them up, but thousands figure, "i'll get the card for the free shirt or cd, then i'll throw away the card". Then they get the card, and figure $15 a month minimum payment is not that bad, why not upgrade my computer? Multiply that scenereo with 4 or 5 cards, and it can be a large amount of debt for a student.

      I am giving you credit. You resisted the free give aways, some don't. Many don't even think about it, they just see "free stuff" and figure why not get it. There should be better education, but most of what people know about credit they learn from their family, if their family talks about it. When I was in high school, we had personal economics, but we never really learned what debt can be like. The teacher did not call us at dinner time to cuss us out.

      I also believe the credit card companies are trying to get students hooked into debt early. Why not just offer a service, and not have all the free give aways? Is it because if there were no free stuff, students might think "do i really need a credit card" and would think about it more rationally.

      Do you think it is reasonable to go for weeks/months/years without paying off what you owe?

      Sometimes it is not about what you owe, but what you can pay. Do you seriously think someone will pay a credit card company when they can't feed themselves or pay rent? Those who get in deep trouble with debt normally lost a job or had something happen which changed how much they make or have in the bank. They are not people who make the same amount of money and have a nice fat bank account who say "for the next 6 months, i am not paying my bills just to tick off the credit companies". They really don't have the money. And if, for example there is some medical debt of $20,000 (which is what a kidney stone surgery costs), sometimes the interest on that debt can be more than the person can pay. Under those circumstances the person will be stuck with the same debt regardless of what they do.

      The whole point of credit is a contract. As with most contracts, there are courts to resolve them when they go bad, and one side does not satisfy what is expected of them. But how many times have you seen one side of a party harrass the other when a contract goes bad? Can I call my local cable company president at home every time cable goes out or I have a bad picture? Can I call the Garbage Collection president at home because they did not fully empty my garbage, and demand he comes and picks it up that night? Or would a resonable person send a letter, and if the problem was not resolved and it was worth it to them to file a lawsuit, to go to court? What is resonable here?

    28. Re:Good God... by Anonymous Coward · · Score: 0

      "The fact is that most people will simply ignore the bills instead of taking some responsibility."

      So you interviewed all 300 Million Americans and that's the answer in every single case? His point is there are valid reasons not to pays bills and that actually is a fact unlike your responsibility theory.

      An example for you since your so sure that its all a matter of just calling up the company and negotiting something. A person goes a doctor in their healthplan and sees them many times. Insurance company A) who we will call U*nted Healthcare decides not to pay even though they are obligated to and the patient made sure the doctor was covered. In the meantime the doctors billing office is sending you to collections because you rightly won't pay beyond your copay. Every time you call Insurance your told it will be straightened out but it never gets fixed. This goes on for almost a year. Meanwhile the doctor is saying you owe thousands of dollars when really you don't. Finally it gets fixed partially and the biggest bills are being paid by Insurance and the Collection Agency luckily can't do shit because you told them the bill is in dispute. Still think that person should have just negotiated payment?

      My point is you need to realize that there are many valid reason for not paying a bill and its not all just a matter of (queue Repubilican phrase) "personal responsibility". There are plently of deadbeats out there and also plently of hard working people who get screwed by Collection Agencies everyday. Anything that makes their life easier is a bad thing IMO.

    29. Re:Good God... by Tassach · · Score: 1
      I've never had a firm that wouldn't work to address the issue.
      You've been lucky.

      Billing disputes can USUALLY be resolved with the company. Sometimes they can't -- sometimes you have to go to arbitration or fight it out in court.

      --
      Why is it that the proponents of "one nation under God" are so eager to get rid of "liberty and justice for all"?
    30. Re:Good God... by Anonymous Coward · · Score: 1, Insightful

      Been there. I even showed up at the collection agency's offices with complete proof the bill was paid on time in full. The back office called the police to have me arrested (for showing up!) but when the cops arrived and the receptionist said I wasn't threatening but completely polite and just asked to talk to a representative the cops were pissed and told the manager they might arrest *him* for filing a false report so he better look at my papers. I never heard from them again.

    31. Re:Good God... by gregmac · · Score: 5, Interesting

      I guess you've never been in the situation where some faceless company decided you owed them money for no reason.

      Bell Canada decided our office owed them money. We had a DSL account with them for about two years. One day, all of a sudden, I could no longer connect to port 25. Called them up, and asked. First guy said "No, we haven't made any changes at all. must be your end". Looked around some more, found I was definately being blocked. Called back, and this guy told me that they had noticed one of their connection racks hadn't been blocking port 25, so they "fixed it". Fine, whatever, created a dns alias for the network to send our smtp mail to their smtp server.

      This was fine for a month or so, but then it would randomly die.. their SMTP server just stopped working intermittently, for an hour or so. About the third time it happened (and this time it lasted a few hours, beyond the point of being a major annoyance, where it was hindering the business), and I was actually in the office this time, I called them to see what was going on. The tech told me that they were getting hammered by viruses sending spam, and that it would go away eventually. "Eventually" does not work for business.

      So I asked them to unblock port 25 for me (since it's virus free), even if to only my own properly configured mail server, so I could send email. He told me they can't. So I asked how I was supposed to be able to send email, to which he replied that their webmail was working. Yeah, that's great, I have webmail too .. but I can't tell everyone in the office to switch to webmail. I also had no interest in going around and reconfiguring everyone's mail client to use a non-standard port (my router at the time didn't have the capability to do that itself).

      So I called up another ISP, and asked them when they could have DSL in.. they said 5 days, which just happened to correspond with my billing period with Bell. So I called bell back, and told them to cancel the account.

      Here's where it got real fun. They said ok, we can cancel, but you will still owe us $300 or something for terminating the contract early. Contract? I looked at our bills.. initially, we had signed on with a one-year contract, but all of our bills after that just said "monthly recurring charge" with absolutely no mention of a yearly contract. The month where it would have renewed was no different from any of the rest of them.

      So we pointed this out, and they said that regardless of what the bills said, we were on a year contract still. So we asked them to fax the contract to us. "Uh.. we don't have it". Well, we didn't have this supposed contract either.. most people at this point would assume with no contract anywhere, that there was no contract. Well, next they told us it was a "verbal contract" to renew, but couldn't tell us who exactly made this contract (only me and the owner would be authorized to do that, and being the IT person, I'm the only one who actually would have done it), nor produce a recording of it or anything. So at this point we said, well, no contract, come get your modem, we're done.

      A few months later, we got a notice in the mail from bell saying we owed them $500 or something now, for an outstanding balance plus interest plus late fees etc. Called them up to clairify this, and again went through the same stupid banter, with the same conclusion. That was about a year ago, and we haven't heard anything else from them since. Maybe they'll decide to sue us or something, I don't know. But taking us to court over a "verbal contract" without knowing who exactly made it or anyone at our company who's authorized having any recollection of it seems a bit flakey to me.

      Since that happened, I've learned a few other people have been burnt by them as well. The trick is, they'll never take you to a collection agency. They have their own internal collections, and they'll get it through their subsidary companies. Ie, If you owe money (or they think you do) on a Sympatico internet

      --
      Speak before you think
    32. Re:Good God... by TheWizardOfCheese · · Score: 3, Insightful

      Why is suggesting that people pay the debts they incur according to the terms they agreed to flamebait?

      It's not, of course. However, suggesting that other people are justified in breaking the law in order to recover these debts might fairly be considered flamebait.

      If you can't afford to pay your bills, don't borrow the money.

      That is very sound advice. Also, those of us who have no financial problems like to think of debt as primarily a moral issue - it makes us feel good about ourselves. But it is not always the lender who is the good guy. Consider the following situation. You must be aware that house ownership is a goal of most Americans. Unfortunately, not everyone has sufficient income to achieve this dream. Now if such a person applies for mortgage from an honest institution, they will be told the truth: they can't borrow the money because they won't be able to afford their bills.

      This is disappointing, but as you say, you don't need a house - there are cheaper forms of shelter. But what's this? Here's an ad from people who claim you can afford a house! So you call them up, and they offer to lend you the money.

      Now if you are a low-income earner, it is quite possible that you are not educated about financial matters; the two things are not uncorrelated. It is possible, therefore, that you will not detect the scam - because that's what it is. Here's how it works. An unscrupulous institution deliberately seeks out customers who can't afford loans, and lends them money. The only restriction is that some money must be put down by the borrower. The loan is structured so that the fees are very high and the down money is applied first to these fees. The borrower has no equity in the house even after making a down payment. The lender then wants the borrower to default - the sooner this happens, the sooner the capital can be recovered and recycled on the next borrower. Meanwhile, the old borrower is bankrupt and will probably be harrassed by collection agencies for residual claims.

      The scenario described above is not hypothetical; it is the practice described as "predatory lending." Although legislation has been passed against it, it still occurs under various guises.

      --

      "The good reader is a rarer swan than the good writer."
    33. Re:Good God... by TruthDefender · · Score: 1
      Why would anybody spend $8k on a crappy used car, especially when they can't get a good auto loan? You can get a new car for another $4k, or a decent used car for peanuts if you take the time to look.

      If you only have $1000 or $1500 saved up, that is not enough to buy a good running used car for cash (unless you know a mechanic who would be willing to spend a week searching car lots looking for a super deal). So you need a car dealership who will extend credit on a used car that is a good runner (something a year or two old). If your credit is not perfect, then the dealerships have high interest rates, and can charge you anything for the car because they know other dealerships might not offer any credit. So the person either has to pay the high interest and whatever price the dealership sets, or the person can spend another month looking for a dealership where they will get the same bad deal. Meanwhile, the person still needs to get to work.

      Plus, that woman I knew thought that by buying the car, even at a high interest rate and overpaying, that she could fix her credit. She still drives the car, and makes all her payments on time, but is scared to death of owing thousands of dollars more than what the car is worth. For example, if the car gets in a wreak, and the insurance company pays the blue book value for the auto, she would still owe thousands more than that. Driving to her is stressfull.

    34. Re:Good God... by Anonymous Coward · · Score: 0

      > A billing error can be resolved directly with the company.

      Obviously you've never dealt with MCI/Worldcom.
      I spent 1.5 years trying to resolve a billing issue where I was being billed hourly rates on a 24/7 always-on ISDN line. The problem started when WorldCom and MCI mergered and they completely broke their billing system.

      Every month I'd get a $2000 ISDN bill (which was normall $180-ish) and I'd call in. They would claim to credit my bill and vowed to fix the problem. Next month I'd get a bill where the previous error amount was credited and the new months amount was just as incorrect as the first.

      I finally got fed up with them and closed the acount, which was paid in full based on the correct billing.

      We spent another year dealing with a collection agency trying to collect on this account because once again, even after closing it, MCI fucked up the billing.

      Eventually it took lawers and threats to get rid of them completely, even AFTER we had letters in hand from MCI stating the account was closed in good standing before it even went to collections.

    35. Re:Good God... by aBlooMoon · · Score: 1

      Regarding this, it was not long ago that a medical collection agency went after my wife for bills incurred during her pregnancy (which should have been covered under her insurance, and eventually was taken care of by her insurance). There was no warning for the lien put on MY checking account (they said letters were sent, we didn't receive anything), of which she is not joint, but her name is on it for check writing purposes.

      --
      http://kansieo.com
    36. Re:Good God... by Anonymous Coward · · Score: 0
      If you can't afford to pay your bills, don't borrow the money.

      Why not? Sometimes loans are are forgiven .

    37. Re:Good God... by FictionPimp · · Score: 1
      You might not have a choice.

      The evil car colllections job I worked at sold cars for bad credit customers. What they would do is buy very crappy cars and give them a new paint job, and a "Warrenty". Then sell them to people who can't get an fiancing for anything. Usually for way more then the car was worth. (6-12k on most of their cars). Then because they knew the person needed a car, they would do a deffered down payment (aka loan you the downpayment). Then they would set up your payments weekly so you could afford to pay for the car, but they wouldn't mention how you were going to afford the second loan for the downpayment, only that you had to pay it back in 3-5 installments.

      To top it off, we did a collection call 3 days before the first payment was due. Thats right the first payment. Not only that, but I was required to call each person on my list every single day. Even if I knew they had no money to give me or had already setup payment arrangments, I would call to verify those.

      I was so happy to get a good long term IT job that I told my boss the company could go screw itself. Worst job ever, but you gotta do what it takes to eat, even if you feel like shit every day for it.

    38. Re:Good God... by TruthDefender · · Score: 1
      I have to ask why she bought a $8000 car on credit instead of a $500 car with cash. An $8000 car is a luxury (especially on credit - I make it a point NOT to borrow money to buy a car because the depreciation + interest rate almost always makes it a lousy deal).

      First, she is a woman. I think guys are narurally more inclined to think "I can fix a beater", just like a guy could fix a flat on the road, where more women would call for a tow or service. Women are less likely to want to stick their head under the hood and look around. So for her, she wanted something reliable. She knows nothing about cars, and would rather pay for something which runs, than worry about getting ripped off at a car garadge. And I am not saying that to be sexist. I know a few guys who change their own oil, but I don't know one woman who does.

      Second, I wonder where you get your cars. When she looked, I think the cheapest car on any lot was $1500 or $2000. There were no running $500 cars. And even those $2000 cars had over 100,000 miles on them.

      But I agree with your point. If a person knows something about cars, it is much smarter to buy a used peice of crap car and dump it when it dies a year later than to borrow money to buy something newer. When I was in high school (many, many years ago) I worked a summer and from that money purchased a beater. It lasted me over 2 years and I was happy with the use i got out of it.

    39. Re:Good God... by Unnngh! · · Score: 1

      You have no idea how many times I've been double-billed in a month by these people. Not just me either, but my gf had their service and got double-billed the last month of using it.

    40. Re:Good God... by Abm0raz · · Score: 1

      Or, how about when you have a business out of the home and it fails for one reason or another. You scrape all your assets (business and personal), sell them off including your home. Move in with friends 200 miles away and live on their back porch in Pittsburgh in january. Eventually get a new job, make some money and move back to your old place (200 miles back) only to find out that Verizon never honored your request to shut off the phone service (which you have a copy of in your old company tax rercords). Not only that, but they let it run for close to 2 years with all the add-ons that the business had. Now amount of showing them the written notice you sent terminating service will get them off your back. They eventually send you to *5* different collections agencies, to each you send back a letter stating that they failed to shut off the service when you asked, that you will not be paying, and you include a photocopy of the shut-off request. 3 of the 5 send letters of acceptance and that they're sorry to have bothered you. The other 2 still send letters each month demanding money and have reported you to the 3 major credit scoring agencies. But you don't care, because even though your business failed, you did the right thing and paid off everyone and suffered rather than declaring bankruptcy and you've not missed 1 loan payment in the last 10 years between the 8 multi-thousand dollar loans you've taken and your credit is pretty damn good. Good enough that the $300 bill Verizon is trying to pin on you barely scratches your credit rating.

      This happened to me. 4 years ago. They are *STILL* trying to get that money out of me. I've had an AT&T plan ever since and they've yet *crosses fingers* to screw me too bad.

      -Ab

      ps. vigilante justice worked in the old west. ;)

      --
      Nothing fails quite like prayer.
    41. Re:Good God... by arose · · Score: 1

      I don't know about the US, but they teached us in school what credit cards are and how they work. If someone does stupid things with credit cards after that they should go right back to school.

      --
      Analogies don't equal equalities, they are merely somewhat analogous.
    42. Re:Good God... by maximilln · · Score: 2, Interesting

      it's the complete lack of understanding what a credit card is that students get into trouble with

      I'd just like to say, politely, that you need to be knocked down a few notches. There is no lack of understanding what a credit card is. What gets people into trouble with credit cards is that they're being financially manipulated. They're starved. It's the same biological response as not eating for seven days and then being offered a $10 cheeseburger. $10 is way too much but hunger plays a factor.

      Credit agencies, insurance agencies, government agencies, collection agencies--they all work to keep the general population starved of cash. They can do it because they CONTROL the financial system. Give me one good reason why the bean-counters crunching numbers for banks and credit agencies WOULDN'T take advantage of their position to hamstring a few hundred million people. Look at the overwhelming evidence: The National Debt is up to what, about $6 trillion? Which segment of the taxpaying public is carrying the greatest burden of that as a percentage of their annual income? Minimum wage hasn't gone up in how many years? The cost of living goes up at a steady rate of how much? Student loans have increased by how much yearly? It doesn't take a conspiracy theory to demonstrate how easily the financial institutions can manipulate credit to keep people starved for funding which they RIGHTFULLY worked for but were sorely undercompensated.

      Rather than being so self-important perhaps you should consider a little perspective. I'll have none of this "well, back in my day" crap. Things were different back in your day--there was community and a sense of good society. In today's world, it's all about Alan Greenspan's profit margin.

      --
      +++ATHZ 99:5:80
    43. Re:Good God... by bryanp · · Score: 2, Interesting

      For some reason, many people think of a credit card as free money - that if it's not draining their account right now, it's not real money. Parents are to blame, not heartless corporations (this time).

      Uh, no. The people running up debts they can't afford to pay are to blame. It is quite possible the parents "should" have done a better job of teaching their kids how to handle money, but in the end you're responsible for your own actions.

      Oh, wait. I forgot - nobody is responsible for the consequences of their own actions anymore. Never mind.

      --
      "An unarmed man can only flee from evil, and evil is not overcome by fleeing from it." Col. Jeff Cooper
    44. Re:Good God... by TruthDefender · · Score: 1

      I have had dealings with my phone company too. It was a wireless service, where they charged more than what I used. I called them, and would always resolve the issue with the costumer service representative and say the problem was fixed. But the bills stayed the same. I finally came to the conclusion they would say anything on the phone, but would not do anything. I did not get anything trully resolved until i sent them some letters, demanding clarification of the bill and contesting the charges. It took a long time to clear things up, and for a two week period they disconnected my phone. I wanted to cancel my contract, but they had that stupid $300 dollar early termination fee, so I did not. But as soon as my service was up, I switched. And whenever any friends ask about what cell phones i used/liked, I always make it a point to tell them Sprint sucks and PCS stands for poor-crappy-service. Not to mention my new wireless service gets less static, and works in more places than my old one.

    45. Re:Good God... by jjhall · · Score: 1

      Try sending copies of the "Our mistake, no further action will be taken" from the other agencies to the ones still trying to collect. You may have to dig a little deeper into the laws, but if one (well, several in your case) agency acting as a "representative" of Verizon has forgiven the debt, Verizon may be required to honor that forgiveness and cease any and all further action by themselves and their current "representatives."

      You may also want to write to the credit bureaus informing them of the situation and that you are contesting the mark on your credit. I know it is only a small claim against the greater whole, but you've earned your credit rating, you don't need some stupid company damaging it unjustly.

      I'm sure you've already explored these avenues, but just in case you haven't you may want to give it a shot.

      Jeremy

    46. Re:Good God... by LuxFX · · Score: 1

      I guess you've never been in the situation where some faceless company decided you owed them money for no reason

      This happened to me earlier this year. I got a $3,000 bill from a collection agency saying that I owe Virginia state tax money for the year 2000. I live in Kansas now, and I lived in Illinois in the year 2000. But I lived in Virginia for three months in 1999. So when the Virginia tax dept. saw that I had paid VA state and federal taxes in 1999, and had paid federal taxes but not VA state taxes in 2000, they assumed I was skipping out.

      They did this check three years after the year 2000 taxes were due, and added $2,000 in late fees and collection fees, and sent a collection agency after me because they "couldn't reach me". The collection agency was happy to rattle of every address I've had in the last eight years to try and intimidate me.

      And you're right, this is no fun to be hit like this out of the blue. Not to mention that in order to 'fix' the 'problem,' I had to synchronize efforts with (heavy bureaucratic) organizations in three states, and I had my credit rating at stake, and we were in the process of applying for a new mortgage during all this!

      So why should these places have even more opportunity and leverage against me? The ONLY possible scenario that I can think of where it would be morally correct to use this type of service would be law inforcement, after a warrant has been issued.

      --
      Punctanym: alternate spelling of words using punctuation or numerals in place of some or all of its letters; see 'leet'
    47. Re:Good God... by infinite9 · · Score: 1

      Perhaps the people should pay their fucking bills on time and not just ignore them for weeks/months/years?

      Yeah, just think! All those evil IT people who's jobs were outsourced! If they went out on a limb and got 30 year mortgages and 5 year car loans, that's their problem! They should have thought ahead! I say, let's throw them in debter's prison! Those poor loansharks^H^H^H^H^H^H^H^H^H^Hcredit services companies.

      How is it up there in that ivory tower?

      --
      Disconnect your television. Do your own research. Draw your own conclusions. They're probably lying. Don't be a sheep.
    48. Re:Good God... by David+Horn · · Score: 2, Funny

      He finally got it cleared up, but now they send him a monthly bill for $0.00.

      Surely all he has to do is send them a cheque for $0.00?

      --
      PocketGamer.org - For the gamer on the go!
    49. Re:Good God... by shiftless · · Score: 1

      Do you think it is reasonable to go for weeks/months/years without paying off what you owe?

      If you haven't got the money to pay them, due to seen or unforseen circumstances, what the fuck are you supposed to do? Should these people be allowed to call and harass 24/7? No.

    50. Re:Good God... by Donny+Smith · · Score: 1

      >What gets people into trouble with credit cards is that they're being financially manipulated.

      Financially manipulated? They can kiss my ass - I don't even HAVE a credit card.
      Let's say it like it is - people are stupid, not manipulated.

      >Give me one good reason why the bean-counters crunching numbers for banks and credit agencies WOULDN'T take advantage of their position to hamstring a few hundred million people.

      Of course there's no reason whey they would not - I would too if I could and it was legal to do so.
      It doesn't mean that little morons must play along.

      > The National Debt is up to what, about $6 trillion?

      It's because people like to live beyond their means - they like to live in huge houses, they like to have 3 big cars instead of one normal (European or Asian) car, etc.
      Why would I need to sympathize with them?
      In other places (Asia, Europe) - you don't have money, you don't spend money - you work harder and you save. It's time for the Americans to wake up, it's the new and competitive 21st century!

      It's the careless parents and the stupid kids.

    51. Re:Good God... by infinite9 · · Score: 1

      Parents are to blame

      Maybe they don't know either. It's the business model of credit card companies to screw people. They're in business to enslave you. The thinking goes like this: Joe gets a $2000 limit credit card. He puts $200 on it intending to pay it off at the end of the month. He sees that his minimum payment is $10 a month. He looks at his disposable income, say $300 a month, and does some simple (incorrect) math. If $200 is $10, then $2000 must be $100. So he does it. He buys a new transmission, or computer or whatever. The credit card company now says that since he's at his limit, he's now a "bad risk" and quadruples his rate. Now his minimum is $300 a month (or something). Isn't that convenient that the credit card company knew exactly what number he could barely pay? He now has just enough to pay the minimum, but not enough to pay the principle. Everything is calculated. Joe didn't have a chance. They depend on Joe-consumer using this flawed thinking, or not thinking at all. There's a legal term for this. It's called predatory lending. All credit card companies should be heavily regulated. It will never happen though, regardless of who the president is.

      --
      Disconnect your television. Do your own research. Draw your own conclusions. They're probably lying. Don't be a sheep.
    52. Re:Good God... by infinite9 · · Score: 1

      It takes months before they even consider selling the debt.

      I've received collection notices out of the blue before for things I had nothing to do with. Luckily, we fixed it in time. We also had a near-miss with identity theft. Most victims of identity theft are left with the banks still coming after them for the money. The burden of proof is on the consumer. In many cases, these people have no recourse but to file bankruptcy.

      --
      Disconnect your television. Do your own research. Draw your own conclusions. They're probably lying. Don't be a sheep.
    53. Re:Good God... by jjhall · · Score: 3, Interesting

      The problem is, we have 16 year old kids (even younger sometimes) having kids. These 16 year old kids don't know how to raise kids, so they basically don't. Yes, I feel it is still the parents' responsibility to teach their kids all of these things, including not to lie, cheat, and steal. However, when the parents are too young to fully understand those concepts themselves, well you get the idea.

      Back when I graduated high school, there were kids who passed their algebra class, but did not know how to count back change without a calculator. Most of those even had problems giving correct change even when the little screen said Change: 1.48.

      Unfortunately, our school systems need to change some to take this into account. My Home Economics class focused almost entirely on safe sex. Shouldn't that be a small portion of what is taught in Health class? The teacher was not even qualified to discuss that matter without turning it into a big joke. It was a wasted 72 minutes every day the whole trimester.

      To me, Home Economics should have been Economics. How to ballance a checkbook. How to figure out that Credit Card X at 16.99% compounding will take me Y decades to pay off. It should have been how to count change, how to make sure you were given the correct change from the kid behind the register at Drawl-Mart. It should have been about how to modify a recipe "I only have 2 tbls of butter, but the recipe calls for 3. How many cookies can I make and what amount of other ingredients need to be added?" Car insurance is Z dollars every 6 months, and I get paid X every other week. How much per paycheck do I need to put in savings each paycheck to pay that bill every 6 months?" I think you see what I mean.

      My point is, schools any more are not teaching what is relevant to students that will not attend higher education. I realize it is out of "fairness" to everyone, so no student feels they are "behind." But as a result, they are not able to fully function as productive members of society, and remain "behind" the rest of their lives. Next, they raise kids who don't know the difference, and the process continues. Unfortunately we have to start teaching the students to be responsible for themselves, because their parents are not responsibile enough to do it themselves. I'm all for self-responsibility, and I hold myself to a very high degree of it. But we are now at the point that we have to start teaching it to the younger generations and break the cycle.

      Jeremy

    54. Re:Good God... by maximilln · · Score: 0, Troll

      I don't even HAVE a credit card

      I'd like to congratulate you on being both priveleged and perfect. You are fit to rule in supremacy over your fellow man who was unfortunate enough not to be given your golden seat.

      It doesn't mean that little morons must play along

      It is so much easier to call your fellow Americans morons than it is to recognize that there is a problem with the precious system. The average American household has something close to $8k in credit card debt alone and yet they're all morons. There's no foul play on the part of the financial companies. Why, they're perfect, and they wouldn't even dream of exploiting loopholes in the concrete tower of iron laws that keeps you safe and warm at night.

      It's because people like to live beyond their means - they like to live in huge houses, they like to have 3 big cars instead of one normal (European or Asian) car, etc

      The vast majority of people with huge houses and three cars are precisely those people manipulating the financial market to ensure that the people with no house and half a used car continue to rely on the credit which they can afford to extend. Maybe you're disgusted with the rich and pompous nature of American society but you're not doing any good by taking your derision out on those who are left fighting over the table scraps.

      you don't have money, you don't spend money - you work harder and you save

      Once again, you are perfect and fit to rule in supremacy over your fellow man. The rest of us need to eat. Since we're not at war, there's no famine in the US, and we're willing to put in an honest days work there's no reason why we should subsist on oatmeal gruel just to please the likes of you.

      It's the careless parents and the stupid kids

      That is the viewpoint of a bitter old man. It's not careless parents and stupid kids. It's parents at the end of their own financial rope and kids who are seduced by marketing and offered a drop of fresh water from which everyone drinks deeply. It is predatory lenders who keep their funds locked solidly away in self-promoting investments for the explicit purpose of justifying ridiculous interest rates, inflation, and the rapacious fines and fees that come along with an infraction no worse than wanting butter on the bread.

      it's the new and competitive 21st century

      Is this the century where we starve our neighbor to increase the profit margin on our apple pie? Is this the century where the middle class finally realizes that it is not an equal citizen in this nation but rather a cash crop of willing debtors who are browbeaten into feeling guilty for enjoying life above the lot of the Catholic Irish during the potato famine?

      --
      +++ATHZ 99:5:80
    55. Re:Good God... by wirez-wildhack · · Score: 1

      Don't know what kind and benevolent companies you've dealt with in the past but I was once slammed by MCI and if you bitch and complain with them enough eventually you get a fax number and postal address from a 'complaint department' in Iowa. No phone numbers or names. They sent the disputed amount to a collection agency so I then disputed it with the collection agency, so then they sent it to another one. I think I disputed it with four of five agencies before they let it die. Also we have AT&T wireless -- the first scumbags of cellphones -- they charged me for roaming fees 300+ miles outside of my area when in fact by their own records it showed I was within my coverage area which includes free roaming. That $400 dispute never got past a second level manager and I'm going through the dispute cycle with those jack-asses right now. Now I did offer to pay in full the bill if they could tell me to which carrier I roamed to, but alas they can not provide that information. If anyone who works with AT&T wireless could help me out let me know. So with that in mind let it be known that with people with exellent credit like myself whom always pays their bills ontime can still be hounded by credit collection agencies. --wirez

    56. Re:Good God... by lizrd · · Score: 1
      It doesn't matter so much who the president is. Lending rules tend to be set by the states. Some states have better rules than others, but usually you have to play by the rules of where the lender is located. That's why all of the national credit cards are setup as corporations in North Dakota or Deleware. Legislators in ND and DE aren't likely to change their rules for your benefit, because you don't live there and they like collecting taxes on transactions that had nothing to do with their states.

      Chances are that you can get a Visa or Master Card issued by a local bank that has terms much more friendly to you when you get into trouble, but if you don't get into trouble the evil out of state banks will be a better deal since your account is subsidized by the fees that would be illegal for your local bank to charge.

      --
      I don't want free as in beer. I just want free beer.
    57. Re:Good God... by Anonymous Coward · · Score: 0

      I think you and I both know where you can stick your pompous head.

      Let me be concise: you're a moron. Now that we have that out of the way...

      That's pretty tough to do when the parents didn't have any money either and were born into a debting system. I imagine that your generation of financially priveleged and secure individuals will go to your death beds reveling in how much more financially knowledgeable you were than those irresponsible heathens who couldn't pay their bills. You'll picture, over and over, all the spoiled teenagers who picked up credit cards to buy clothes, CDs, cars, alcohol, rent hotel rooms for prom or homecoming parties, and won't think for a moment that your self-imposed shortsightedness only served to further empower banks and credit agencies to withhood cash from the population by keeping it locked tightly in top-level corporate and government coffers.

      I grew up in a lower-middle class household which eventually degenerated into a poverty class household. My father worked construction and my mother was an accounting clerk. Our debt loading was nearly always nil simply because they managed their money in a very frugal manner. Did they use credit cards? Every once in a great while they did, mostly in the event of an emergency. They then busted their asses to pay it off.

      I joined the army, trained in a trade, and then used my G.I. bill to finish an undergrad program. At my income level according to my peers I should be living in a 3000 sq foot house with three cars, just like they do. The result? An 1800 sq foot house, one 2001 Subaru, and no debt.

      The bottom line is, butch the hell up and live within your means. By all means, don't have oatmeal every day, but don't whine because you can't wear designer clothing, drive a new car, and eat well simultaneously. YOU start out in control, and if you reqlinquish it then its Darwin at work IMO. I've been in situations where my only concern were three hots (meals) and a cot with a roof over my head. Anything else (with the possible exception of health care) is gravy.

    58. Re:Good God... by Tarwn · · Score: 1

      I feel your pain. The last time I had a land-line in this town was in 98 with Southern Bell. As I was moving (new place already had phone acct) I closed out the acount, went in and paid the final amount in person, and double-triple checked the account was paid off.

      What do you know, in 2002 an entry showed up on my credit report for a collection ageny for $80-odd dollars that has a last activity date back in 99 but a submission date of 02. Call them up and they say they are acting on behalf of BellSouth. They have no proof that I owe any money beyond a bill from BellSouth, didn't bother attempting to contact me (a simple snail mail letter would have worked), etc, etc. My fault for calling them, I finally ended up paying them, but will never use Bellsouth again as a residential or commercial client.

      I mean when the final bill and matching (dated, accepted) check from the bank aren't proof enough and they are allowed to just barf on my credit with anything they want, why bother doing business with them.

      --
      Whee signature.
    59. Re:Good God... by SirWhoopass · · Score: 1
      I've been slammed by Sprint. I called them, explained the situation and took note of the date and person called. Of course, the person didn't do anything.

      I then called AT&T (who I had been with) and they were more than happy to take back my business plus take down details of the slam. I then sent a letter to my state's Attorney General's office describing the incident. I indicated to them the same thing I did to Sprint. I'd be happy to pay them if (1) they provided an itemized listing of the calls and (2) rebilled the calls at the 7-cent rate I had with AT&T prior to being slammed (the second condition is provided for by law). The AG's office sent back a letter saying they'd bring the matter to Sprint. Sprint then dropped all the charges.

    60. Re:Good God... by maximilln · · Score: 1

      Our debt loading was nearly always nil simply because they managed their money in a very frugal manner.

      I think you're eating your own self-righteousness. The overwhelming perception of the 40s and 50s is quaint frugality because of the hardships that America had to endure. People weren't any more frugal back then than they are now. Frugality, I hope you understand, is a relative term. People were perceived as frugal because there was no wholesale industry in keeping a significant portion of the population in debt back then. There was no $6 trillion national debt to the Federal Reserve--which portion of the taxpaying public do you suppose shoulders the bulk of that load as a percentage of their total yearly income? While I appreciate your love and admiration for your parents I must point out that, for the context of this discussion, you're wearing the same self-righteous blinders that are common to people who've never really had to worry about the outcome.

      The bottom line is, butch the hell up and live within your means. By all means, don't have oatmeal every day, but don't whine because you can't wear designer clothing, drive a new car, and eat well simultaneously

      Who's whining about designer clothing? Those threadbare pants sure look quaint on the job interview. They'll look even more quaint walking down the road with a pocketful of rejection letters. Who's whining about a new car? I've never owned a new car in my life and my first three were each less than $3000, bought with hard earned cash. Who's whining about eating well? I'm 6'2" and 200 lbs. Unless the US suddenly plunges into a famine and crop shortage I can't feel guilty about this.

      YOU start out in control

      I'll correct you: YOU started out in control. The majority of Americans do not start out in control.

      I've been in situations where my only concern were three hots (meals) and a cot with a roof over my head

      But you knew that situation had an endpoint. You knew that, in a year or two, you would be back. It is the knowing that makes the situation bearable. You may preach when you've been there with _NO_ certainty of ever coming back. Who hasn't been there? Mostly it's the people getting rich off of predatory lending, price fixing, or the .com boom-bust which made a select few people enormously wealthy because they knew the game the whole time. Could the rest of America be held at fault when their 401k subsidized the .com boom? With bitter old-timers and conniving politicians preaching daily that Americans don't save enough, and no one will be able to retire, while hiding their own plundering of Social Security, who could afford not to invest in 401k? Where did all of that go? Right into the pockets of the same people who are now lobbying for tougher laws to force people to pay back debt. The same people who dumped their own bankrupt business ventures onto the insurance companies through business insurance. The same people who draw up business plans for those insurance companies to recoup their losses by spreading the bill onto the bulk consumer through auto insurance, home insurance, health insurance, dental insurance...

      I joined the army, trained in a trade, and then used my G.I. bill to finish an undergrad program

      That explains your lack of perception about how the financial system is played. You've been trained to follow along, stand in line, wait your turn, and in your case it seems to have served you well. Many of us earned our keep in life by staring the impossible risk in the face every day without the assurance that mother military would always keep a bivouac over our heads.

      --
      +++ATHZ 99:5:80
    61. Re:Good God... by Donny+Smith · · Score: 2, Insightful

      I find your sarcastic tone humorous. A few comments:
      - I don't consider myself superior. And you're probably richer than me. But I don't complain about it - I'm trying harder and working 12 hr days (true, it's office work, but still). Read Kiyosaki's Rich Dad Poor Dad, it's very inspirational.
      - As far as credit cards are concerned, years ago I've found that the fewer I have, the better off I am. If you're a parent and you know this, how can you let your kids stack up five credit cards? If you don't know this and one day you get a suprise call from the bank, well, I'm sorry - you should have known better.
      - Your call for social justice, that's fine, maybe you're right, but that's off topic on this forum. I just agreed with the grandparent's view that it's the kids' fault.

      Don't sue McDonalds for making hot coffee.

    62. Re:Good God... by enjo13 · · Score: 1

      Joe is an idiot. Credit can be a very valuable tool for building wealth. I went to college, had a $100 a week job, lived within my means and came out no worse for wear. I have a very good credit rating... all because I took personal responsibility for my money management.

      You act as if the credit company pointed a gun at Joe and said 'buy Joe.. buy!', when in fact it's Joe's job to have the willpower to use his credit wisely. I'm sorry, the credit companies are doing nothing wrong here... people make their own beds with credit cards, and blame the credit companies when they are forced to lie in them.

      --
      Turn s60 photos into awesome videos with mScrapbook for all S60 3rd edition phones!
    63. Re:Good God... by Anonymous Coward · · Score: 0

      Worst job ever, but you gotta do what it takes to eat, even if you feel like shit every day for it.

      No, you deserve to suffer for the pain you caused all those people. You and telesales morons should all be imprisoned for your offences against human decency.

    64. Re:Good God... by TruthDefender · · Score: 1
      Uh, no. The people running up debts they can't afford to pay are to blame. It is quite possible the parents "should" have done a better job of teaching their kids how to handle money, but in the end you're responsible for your own actions.

      I see your point of view. But can we also add that since there is a problem, that perhaps we should search for a solution rather than assigning blame? I think the people in debt are suffering as it is, trying to pay off their debts, bills, rent, food, and whatever else they need. It would suck to have a job and pay as much as you can, but still owe more than you can pay, and have people label you a crook (I know you did not use that term, but that is what it must feel like). It is very stressful to be unable to pay what is owed. These are good people who have fallen on hard times. They won't have the luxery of buying new cars with low or no interest rates. They won't be able to buy a house. It is not like they snuck one past the system. They are hurt, and I am sure that most of them want to do the right thing and get out of debt.

    65. Re:Good God... by FictionPimp · · Score: 1
      Rest easy on your high horse. I hope if you ever have mouths to feed you stick to your guns and let them starve and die. How do you know I did my job well?

      I was warned serveral times for not asking for the full amount past due, and trying to work out deals with people to get current on their bills.

      Do you care that without that job, I wouldn't of been able to pay my car bill? Or feed my family? No Of course you dont. Your a self rightious hate monger.

      Well, fuck you sir.

      Please mark as troll

    66. Re:Good God... by angryelephant · · Score: 1
      A few years back I had the collections department of the cable company track me down for an unpaid bill for a residence I had not lived in for over a year. Not terribly unusual, except that it was originated three months after I had moved out of that residence and terminated service. I called up customer service, explained the situation, and told by the rep that it was their fault and would be taken care of.

      A month later I get another notice. I call up their collections department. I am told to clear up the matter I will have to fax them 1) a my old lease 2) my new lease 3) a recent utility bill

      Nearly 6 months after the first notice was sent to me I receive another notice. When I call billing this time I am told I have to come down to their office in person. When I finally get there I am handed a check by the receptionist in the amount that I supposedly owed them. Still boggles the mind.

    67. Re:Good God... by Alioth · · Score: 1

      Well, my student car was one I saved from going to the scrap yard. It was older than me. It was rather unreliable and I did have to call for tow service once or twice. However, the cost of tow cover was less than the cost of the annual depreciation (let alone interest payments) of even an $8000 car.

      The $500 car is something you'll find from a private seller, not from a lot. On a lot, that $500 car will be sold for $2000.

      Today's $500 car is often pretty reliable - in the US it'll probably be an older V8 barge-on-wheels which are pretty much indestructable. These days, 100K miles isn't that much. My Dad's last car (admittedly a diesel) went for over 300K miles. The other thing about an old banger bought for cash is that you can insure it liability only which saves quite a bit of money too. A car bought on credit has to have full cover which can add a lot to the annual insurance bill.

    68. Re:Good God... by Anonymous Coward · · Score: 0

      i thank the lady protests too much

    69. Re:Good God... by metamatic · · Score: 1

      To me, Home Economics should have been Economics. How to ballance a checkbook. How to figure out that Credit Card X at 16.99% compounding will take me Y decades to pay off.

      And how to work out that the Free iPods thing in your .signature is a pyramid scheme.

      --
      GCHQ Quantum Insert installed. If only our tongues were made of glass, how much more careful we would be when we speak
    70. Re:Good God... by Anonymous Coward · · Score: 0

      What is this "teach" our schools indoctrnate

    71. Re:Good God... by theLOUDroom · · Score: 1

      Parents are to blame, not heartless corporations (this time).

      Actually, it's both.

      I always thought bankruptcy was a great concept for just this reason. Yes, a person should have a certain obligation to fulfill their debts, but companies also shouldn't go around loaning people more money than they could ever pay back.

      Sure in an idea world, people would never make mistakes, but that's not reality and I think it would be pretty freakin evil to make a person pay for the next sixty years for a mistake they made at 18.

      --
      Life is too short to proofread.
    72. Re:Good God... by Anonymous Coward · · Score: 0

      "but I don't know one woman who does." i know ONE

    73. Re:Good God... by metamatic · · Score: 1

      I've not been double-billed, but I've been billed the wrong amount many times. I have to go through checking every line item each month and comparing with the previous month to be sure they won't sneak in an extra charge or delete a $5 discount I'm eligible for.

      --
      GCHQ Quantum Insert installed. If only our tongues were made of glass, how much more careful we would be when we speak
    74. Re:Good God... by Phurd+Phlegm · · Score: 1
      - As far as credit cards are concerned, years ago I've found that the fewer I have, the better off I am. If you're a parent and you know this, how can you let your kids stack up five credit cards? If you don't know this and one day you get a suprise call from the bank, well, I'm sorry - you should have known better.
      Hmmm. In the United States, you have kind of limited control over the actions of your adult kids. Like . . . uh . . . none, as far as I can see. I don't think the poster being referred to was talking about their minor children.

      And I do agree it's the kid's fault. Which means the parents shouldn't be hearing from some scum creditors on the blower.

    75. Re:Good God... by theLOUDroom · · Score: 1

      A billing error can be resolved directly with the company.

      Maybe.

      You're stating as fact what is really only just a possibility. MAYBE the company will work with you or MAYBE you'll have to take them to court.

      I'm sure my friend isn't the only person who's had problems with a certain cellphone provider trying to bill her for "account maintance fees" after both her contract had expired and she had cancelled the service.

      The fact is that most people will simply ignore the bills instead of taking some responsibility.

      Of course you can only call them up and spend 20 minutes on hold so many times before you get sick of it.

      Where's the responsibility there? Some times the only way to get these asshole's attention is to threaten then with the L-word, otherwise they just might sell your bullshit "debt" to a collection agency.

      --
      Life is too short to proofread.
    76. Re:Good God... by maximilln · · Score: 1

      Yes, a person should have a certain obligation to fulfill their debts, but companies also shouldn't go around loaning people more money than they could ever pay back.

      Just like a casino they recognize that, by and large, we have no statistical chance of getting ahead. Their goal is not to bankrupt us outright but rather to feed us with enough crumbs to milk us for every last dollar that we can make, running ourselves ragged trying to earn a promotion from a manager who's trying to do the same thing while the whole time the average salaries in the industry are dropping like the blood pressure of a slaughtered cow and the heads of the financial industry gather the profits home and reinvest those profits in ever tightening circles of self-serving submarkets.

      Reduce wages, raise taxes, demand higher productivity, and offer loans at enormous interest rates to cover for events like a blown head gasket. I think the best example of how the current system works is the plight of the Irish Catholics throughout the 1700-1800s. Possibly a closer example is working class America through the 1930s. How can anyone pretend to be human while saying "live within your means!" to people whose savings and reserves have been wiped out by an artificial bust spawned by the financial industry? Even if they were living within their means they had no control over the surgically executed scam which both promised a fair investment and then hung out the sign that said "Sorry! We lied". The .com boom-bust was the same phenomenon, as were the junk bonds that led to the Black Monday of the 80s (which spawned the easily sidestepped sham that is FDIC).

      I guess that's how we know we're not in heaven.

      --
      +++ATHZ 99:5:80
    77. Re:Good God... by Anonymous Coward · · Score: 0

      That's pretty tough to do when the parents didn't have any money either and were born into a debting system.

      Then why in the hell are they having kids. I can't afford a BMW, so guess what, I don't have one. Gee whiz, let me have a huge flock of children then I can blame society for not giving me enough money to raise them. Sure, you didn't make bad life choices but I did so you need to:

      Pay for my drug needles.
      Pay for my healthcare.
      Pay for the welfare of my kids.

      Sure I'm the parent, but I'm an American, I can't be held personably responsible for my actions.

      only served to further empower banks and credit agencies to withhood cash from the population by keeping it locked tightly in top-level corporate and government coffers.

      Get a grip man. For every corrupt company, there are 10,000 decent ones in the US. Not only the rich own stocks either. A lot of everyday Joe's 401K's are invested in the stock market. A lot of middle class people own stock too. Don't be brainwashed by the Michael Moore crowd, corporations do a hell of a lot of good in this country.

    78. Re:Good God... by reboot246 · · Score: 1

      I pay my bills the same month I get 'em . . . different year, but the same month.

      Seriously, I agree with you 100%. I work in the natural gas business and gas utilities will tell you that the same people show up on the disconnect list every month. Some people will claim that they don't have the money, but they seem to have plenty of money for big screen TVs, beer, cigarettes, lottery tickets, etc. Some people just have no concept of personal responsibility.

      If you ever find yourself in a bad financial situation, the best thing to do is call the companies you owe before you get behind. It's amazing how tolerant they can be if you're honest with them.

    79. Re:Good God... by Anonymous Coward · · Score: 0

      "teached us in school"

    80. Re:Good God... by Anonymous Coward · · Score: 0

      So, you ...finally ended up paying them, ...
      despite the fact you had ...the final bill and matching (dated, accepted) check from the bank

      Are you stupid? Let them take it to court. They'd be laughed out of court!

    81. Re:Good God... by Anonymous Coward · · Score: 0

      Rest easy on your high horse. I hope if you ever have mouths to feed you stick to your guns and let them starve and die. How do you know I did my job well?

      How many people die of starvation in the west these days? Oh, wait, you must be in the USA.
      As for my high horse, I have had a very personal experience with debt collectors after being too ill to work or leave the house for nearly a year now. I was forced to go bankrupt to stop the endless phone calls, letters and vists, each one intensifying my illness.

      I was warned serveral times for not asking for the full amount past due, and trying to work out deals with people to get current on their bills.

      Well good for you. That doesn't excuse the fact that you knew the company was dodgy but you didn't do anything about it. You could have walked out, or you could have reported them to trading standards.

      Do you care that without that job, I wouldn't of been able to pay my car bill? Or feed my family? No Of course you dont. Your a self rightious hate monger.

      There is always another job. Just because you aren't prepared to work in a factory, empty bins or sell pizza doesn't mean that the job wasn't there. As for hate, well the debt collectors have earned my hatred.

      Well, fuck you sir.
      Yeah, go with those insightful responses!

      Please mark as troll
      I'm a troll because I think something different to you? That'll make for good debate.

    82. Re:Good God... by maximilln · · Score: 1

      or a decent used car for peanuts if you take the time to look

      I'm sure your manager will be more than happy to give you the paid time off every year to go car hunting. :)

      --
      +++ATHZ 99:5:80
    83. Re:Good God... by maximilln · · Score: 1

      Some people just have no concept of personal responsibility.

      Pointing out the faults of some people is no justification for predatory lending practices, or knowingly embezzling investment/401k funds, or setting up a .com boom-bust cycle to reap the profits and dump the defunct companies in the laps of business insurance carriers who will pass the loss onto honest owners of auto/home/health insurance.

      It's amazing how tolerant they can be if you're honest with them

      I was honest. I told them flat-out,"I have no money, no savings, no nothing. My car has been repossessed and I could no longer afford my apartment. I do not work at McDonald's because I spend my time preparing for and going on interviews for a REAL job. I've made my payments on time, in full, in twice the minimum amount for four years. Check your records. I am currently without a job and will be happy to resume payment when I am employed again."

      The response? "Can you borrow money from friends, family, anyone? If you can't make a payment within the next 30 days we'll have to send you to a collection agency or take you to court."

      These calls were repeated daily with me telling them the same thing and them repeating the same threats. It's at that point that I began to see that the whole industry is a casino-style scam. Since it's a scam I feel absolutely no guilt in advocating that every financial institution in this great nation of ours collectively goes and e2fsck's itself.

      --
      +++ATHZ 99:5:80
    84. Re:Good God... by arose · · Score: 1

      Hey it's not my fault that english has so many exceptions. The fact that my english teacher was stupid doesn't help matters.

      --
      Analogies don't equal equalities, they are merely somewhat analogous.
    85. Re:Good God... by Anonymous Coward · · Score: 0

      So what do you do when you make a simple currency conversion mistake and get overdrawn by a few bucks? That gets turned into $50 or so beacause of various overdraft fees.

      Then when you get back to the US, the bank that you use tells you, "Sure, get that to us by the end of the week...", and then when you go in two days later in that same week tell you that they've already closed the account.

      "Sure, fine, fsck you too."

      So I go to one of the premier credit unions around and get an account with no problems so I can actually cash a payroll check. Then I pay back TCF and live happily ever after. Except...

      Three years later down the road I move, and find out that I've been reported to Chex for having that bank account closed on me. Great, no more checking account, debit cards, any sort of bank account for me. :P

      I've been trying to get that off my record now for a year and a half. The answers all go like this... (Chex) "We're sorry, the only people that can remove that is your bank..." (TCF) "We're sorry, the only person that can get rid of that for you is the branch manager from the specific bank you were with". And the best part? The branch manager quit two years ago, and the new one "doesn't know enough and can't find out enough about the transactions to reverse his predicessor's decision."

      A year and a half, most of that working with a lawyer. Our credit companies have way too much fucking power...

    86. Re:Good God... by mibus · · Score: 1

      My wife and I had an issue last year with the power company.

      They refused to believe we lived where we said we did. (We lived at 14/15 Foo Street, they said we lived at 19 Foo Street). We told them quite regularly that they had the wrong address, but they kept saying they had the right one, because "that's what the records say".

      The reason it all came up? They posted bills (~$500 worth) to a non-existant address, waited around four-six months, and rang us to complain that we hadn't paid.

      We said we wanted a bill before we'd pay it. (Fair enough, no?)

      They sent out a bill... to the wrong address.

      Months later, they managed to actually get us a bill - at this point, we'd been with another electricity provider for six months, had lower income (my wife was working at a school at that stage, it was school holidays thus no pay for her). We were also preparing to move into our current place at the time.

      We did manage to get a scheme in place - $50/fortnight direct-debited. (Which should be finished verrrrry soon!).

      But people, people - just remember; your records may be wrong!!!

      All this because they refused to believe we lived at our address, and repeatedly sent bills to "our" non-existant address.

    87. Re:Good God... by Insipid+Trunculance · · Score: 1

      Well you havent tried dealing with an English Council.

      Once they decide to charge you only the magistrates can save you.

      --
      Wanted : A Signature.
    88. Re:Good God... by Jah-Wren+Ryel · · Score: 1

      As a former sprintpcs customer I knew who you were talking about just by reading your second sentence. Amazing how universally poor their customer service was (is? I dunno, and I don't plan to ever find out either).

      --
      When information is power, privacy is freedom.
    89. Re:Good God... by AK+Marc · · Score: 1

      And I know people that were in jobs that they could be fired from for being late. The cheap car breaking down once could leave them unemployed. Also, women are less likely to buy a car they have to work on. A car driven with children in it will need to be one with an appearance of safety.

      When you factor that in, $7000 (blue book) is inexpensive. She didn't buy a $30,000 car.

    90. Re:Good God... by AK+Marc · · Score: 1

      A billing error can be resolved directly with the company. I've had billing errors. I've had the bank cash checks for the incorrect amount. I've never had a firm that wouldn't work to address the issue.

      Yeah. And I've had Bank of America confirm that my account was used fraudently (with a confession in email from the perp) and they haven't removed the charge-off from my account 3 years later. I hounded with calls for a while, but that didn't help.

      It's not like the cable company accidentally charges you for Showtime and then immediately sends your account to a collection agency. It takes months before they even consider selling the debt.

      Bullshit. I've had TXU Electric send my account to a collection agency after one and only one bill (and I lost it because I was moving at the time). I figured, hey, they'll send another. I was out of state and didn't have an address or phone number (yeah, it's not hard to get, but I was lazy), so I figured I'd wait until the next bill. Well, the next bill sent was from a collections agency.

      So, you are 0 for 2. Just because you haven't hit the bad ones doesn't mean they aren't out there...

    91. Re:Good God... by Jah-Wren+Ryel · · Score: 1

      Don't sue McDonalds for making hot coffee.

      Yeah, instead sue them for still not giving a shit after burning 700 other patrons with coffee served at a temperature that causes 3rd degree burns after less than 7 seconds of skin contact.

      --
      When information is power, privacy is freedom.
    92. Re:Good God... by Anonymous Coward · · Score: 0

      In America, land of the consumer, we teach our children that it is their god-given duty to spend, spend, spend! That's how we fight terrorism you know!

    93. Re:Good God... by buck_wild · · Score: 1

      But I'm sure he needed to clear this from his credit report. I'm not sure even the courts have the power to remove this, even if it *is* proven fraudulent.

      --
      If all you have is a hammer, everything looks like a nail.
    94. Re:Good God... by buck_wild · · Score: 1

      Actually, to a point he's right. I was in a situation where my (divorced) parents never taught me about credit or debts. I mean, I know the basics, like there would be payments, etc. But I was really just kind of stupid to the ways of the world.

      So I got into credit trouble by thinking of things like "Sure, I can afford a $400 TV, because it's only $34 per month. I can afford that!" At the lime, I thought that once I joined the credit 'club' so to speak, that they were giving me cheap access to goods I couldn't have afforded otherwise. What I didn't account for was HOW they could do that, meaning "What keeps them in business, if they offer people like *me* deals like this?"

      Anyways, I learned a lot, and have managed to stay out of debt troubles since.

      --
      If all you have is a hammer, everything looks like a nail.
    95. Re:Good God... by Anonymous Coward · · Score: 0

      Well, it worked on the communists...

    96. Re:Good God... by Anonymous Coward · · Score: 0

      Only when the spending was on missile defense.

      Buying more and bigger cars ain't going to convince al queda that they need to quit it with this terrorism nonsense and go get a real job that pays real money just they can keep up with the jonses.

    97. Re:Good God... by YoungHack · · Score: 1

      > I've never had a firm that wouldn't work to address the issue.

      I've seen several cases where phone companies would not address the issue. AT&T in particular was particularly evil about not resolving fraudulent charges.

      So I refused to pay them, held out, and in the end it was cheaper for them to write it off.

      Insurance companies are also well-known for persistently not addressing issues. Look up "vexatious refusal to pay" some time.

    98. Re:Good God... by Justice8096 · · Score: 1

      Actually, that isn't always true, even if it is a ridiculously small amount. TrueGreen of Sterling VA tried to tell me that I had a "in perpetuum" contract with them. They sent to collections for $30.00 . I never had a contract with them, and regularly tell the debt collectors that I will pay upon receipt of a copy of my contract. Then it is dropped for two years, and resubmitted to a debt collection service.

      Now, this doesn't seem like a lot of money, but if I were to ever pay it to get them off of my back, there would be an implied contract - and TrueGreen would bill me for $30.00 a month for my entire life.

    99. Re:Good God... by Fancia · · Score: 1

      From what I've read, that actually works. It happened to a man who was badgered by bills for 0.00$ - and who finally was fed up and sent a cheque for that amount, which made their computer shut up.

      --

      Bít, zabít, jen proto, ze su liska!
    100. Re:Good God... by void* · · Score: 2

      The overwhelming perception of the 40s and 50s is quaint frugality because of the hardships that America had to endure. People weren't any more frugal back then than they are now.

      I think you're letting your mindset get the better of you. The anonymous coward you're replying to said naught about the 40's and 50's.

      People grow up poor in all decades. Some people have frugal parents, in all decades.

      Myself, I was born in 1976, and we were dirt poor - and my mother was frugal. She has zero debt, the only thing she's ever owed money on was her house, and she paid it off fifteen years early - by being frugal on a low income. She also managed to save enough money so that she doesn't have to work now - and for many of my growing up years, she was working, but had less money after taxes than the people on welfare in the apartment complex we lived in. (My mother worked her ass off, and I was wearing shoes from Payless. Our next door nieghbor's son had Air Jordans, which were priced in excess of $100, and she was on welfare). And lest you try the same argument on me as you attempt on the above anonymous coward, there was no light at the end of the tunnel, no knowledge that the situation had an endpoint - The only thing I knew is that once I was an adult it would be up to me to make my way.

      I sank myself into more debt than I wanted to handle, when I was younger. But no one held a gun to my head, telling me to swipe the card or they'd pull the trigger. And now, I've paid it off - the only debt I have is the house, and in the long run, paying on the house for fifteen years (paying extra to shorten the length of the mortgage) is a boatload better than renting for thirty.

      Many of us earned our keep in life by staring the impossible risk in the face every day without the assurance that mother military would always keep a bivouac over our heads.

      Mother military will *not* keep a bivouac over your head. Not paying your bills is, if I remember correctly, grounds for nonjudicial punishment (at least, the first time, if you don't get your shit together) The only metaphorical bivouac there is in the military is that they tell you that pretty plainly straight up during basic training.

      The military some golden blanket? Bull. My gross income as an E-1 was barely over $10,000, and if I didn't manage that money well, to the point where I had creditors coming after me, I'd be facing an Article 15. Hell, even when I got out (as an E4), I was only netting $350 a week - My sister took a minimum wage job at a Circle K and was netting more than that.

      Get a grip. Stop foisting the blame on everyone else and lay it square where it lies - with the person who said 'If you lend it to me, I'll pay that money back'.

      And sure, situations change, and sometimes people can't pay debt they incurred during better times. That, however, is the result of their actions. If they hadn't run up the debt to the point where something like a job loss or an unexpected medical bill left them unable to pay recurring expenses, that's due to their lack of planning, not some nebulous credit conspiracy.

      --


      Code or be coded.
    101. Re:Good God... by Technician · · Score: 1

      It was the only dealership willing to finance a car for her, and at a high interest rate for 4 years. She did the math and found out at the end of 5 years she would have paid over $14,000 for that car. And 2 1/2 years into paying the debt, the car's blue book is now worth $3000 but she owes $7000 left.

      That's why until my last car, I only paid between $600 to $3500 for a car. It should last over 2 years, after that, it's free transportation (no monthly payments) and I'd drive them till they were fodder for the junk yard and I saved enough to buy the next one with cash. The most I've sold a used car for is $1500, the least $100. My $3500 car is the one sold for $1500. I had it for 4 years. Do the math. It's only $500/year. Insurance is more of a burden than car payments. Most people spend over $4000/year on car payments. (the parent poster example is almost $3000/year) I get a replacement when repairs become over $500/year. I'll change fuel pump, brakes, mufflers, alternators, belts, hoses, plugs, filters, and starters myself. Most of those parts are under $200.

      A year ago I bought a year old Prius. I plan on having it for a long time. It'l be paid for in a couple years, then I save for my next one. Saving money is better than borrowing and paying interest. Intrest not paid is like free tax free money. If possible, save to buy a car, not borrow to get a nice car you can't afford.

      If you get an older car, check carfax and take it to a reputable mechanic to check it over. They usualy charge $35-$60 to check out a car. It's worth it. (found hidden front end damage. It would have been an alignment nightmare) It kept me from buying an expensive lemon.

      --
      The truth shall set you free!
    102. Re:Good God... by Cederic · · Score: 1


      So live in a country that provides basic healthcare.

      I may bitch about the NHS, but getting ill doesn't cost any extra..

    103. Re:Good God... by Anonymous Coward · · Score: 0

      I feel am lucky to NOT live in the USA where sickness can cause these kind of problems for the personal finance.
      My friend in USA, works for a loan company and she call people everday to get them to come and pay. I hear really sad stories everyday about people who cant pay 10 bucks.
      I am glad in some ways that I dont live in USA.

      Oh. BTW. Anyone can give me a job in Texas? :)

    104. Re:Good God... by maximilln · · Score: 1

      And lest you try the same argument on me as you attempt on the above anonymous coward, there was no light at the end of the tunnel, no knowledge that the situation had an endpoint - The only thing I knew is that once I was an adult it would be up to me to make my way.

      Don't mix topics. The endpoint that makes things bearable has to do with the situation where every day means three meals and a semi-dry place to sleep. In the situation which you're discussing a home is not an issue so you're already ahead of the curve.

      Mother military will *not* keep a bivouac over your head. Not paying your bills is, if I remember correctly, grounds for nonjudicial punishment (at least, the first time, if you don't get your shit together) The only metaphorical bivouac there is in the military is that they tell you that pretty plainly straight up during basic training

      Once again you've lost scope of the thread. The discussion, at this point, was about "butch the hell up" having to do with how desparate of a situation one can be in. Additionally you're neglecting that, while on active duty, there's no debt for housing or food. There's also no consideration about buying dress shirts at $40/pop or ties at $30/pop. If one is living on base there's also little or no need for a car at $250/mo. plus gas at $1.80/gal for 120 miles of commuting every day.

      The military some golden blanket?

      No one said it was but, at the end of the day, the military provides food and shelter for its men.

      You have pride in your military service. That's admirable. You're also extremely sensitive about it to the point where you lost scope of the discussion so that you could puff out your feathers.

      Stop foisting the blame on everyone else and lay it square where it lies

      People like you have always puzzled me. You'll take great glee in touting around "life isn't fair--deal with it" yet you'll steadfastly deny to the bitter end that large financial corporations are happily making that more true each and every day. So which is it? Is life fair or not? Make a decision and stick with it. On the other hand, you could admit that you get satisfaction out of taunting thirsty men with that rich glass of water you hold.

      You can't have it both ways. The inconsistency in your position tells me that you haven't taken a moment to think the whole thing through.

      not some nebulous credit conspiracy

      The average consumer has no possible chance of understanding the inner workings of a financial system as complex as the stock market, or credit agencies, or banks. Likewise the average consumer has no chance to understand operating system design, or how to repair a car engine, or what it takes to produce a marketable pharmaceutical product. Does this make all of these things conspiracies? No. It means that you, as the average consumer, have no concept of what goes on in the minds of a VP or marketing director in an insurance agency or a credit agency. Is life fair or not? Why _wouldn't_ those people use their financial leverage to increase their profit margin? Do you think Alan Greenspan and the Federal Reserve chairs want the US Federal Gov't to pay off the national debt?

      I don't hate you. For people like you numbers never really were your strong point. You struggled through algebra and trigonometry and were happier not knowing that calculus was dumbed down so that you could feel good about scoring 80s and 90s on your weekly tests. Don't start coughing up that "conspiracy" cop out because you haven't the brain to understand your place.

      --
      +++ATHZ 99:5:80
    105. Re:Good God... by FictionPimp · · Score: 1
      No, i was saying to make me as a troll you asshat. And belive me, I tried to get a job at mcdonalds durring the time I worked for that company.

      Oh yea, I guess I could of reported them, only they weren't breaking the law.

      I'm sorry I have the desire to not live off the system and work to support my family. I guess because you had such a bad situation it gives you the right to downplay mine.

      Again, and I say this with as much hatred as possible. Fuck you

    106. Re:Good God... by sean5008 · · Score: 1

      That is the standard position that Bell Canada takes. I used to work for a CLEC here and I had a client that was on month to month with Bell. Their original contract had expired several years prior. On a conference call to Bell, me and the client confirmed that there was no valid contract in place and that they were only obliged for billing up to the termination of service.

      Satisfied with this answer the client signed a contract with me and we ported their lines. A few days later they recieved a bill from Bell for over 40 thousand dollars in "early termination" charges. The client freaked but I said I would handle the matter for them.

      Keep in mind that this was a global fortune 50 company, Bell does not discriminate who they attempt to blackmail. I got our carrier relations people involved in this (who were ex-Bell as was most of our staff) and we attempted to resolve this in a polite manner.

      During our first inquiries they stated that the client was in a contract. We noted that in a call to them, witnessed by a third party, they had previously stated no contract in effect. We demanded that they provide a copy of the contract. They putzed around for a few weeks before they finally admitted that they had no written contract (after several attempts to claim they could not find it, or it seems to be lost and plenty of shuffling us from person to person).

      Then they claimed instead that there was a verbal renewal. The CRTC has laws up here governing telecom carriers with regard to "automatic contract renewals" and "verbal renewals" as a result of previous complaints about unethical business practices and unfair competition by Bell.

      The client stated that they had never renewed this agreement and Bell then claimed that they had done so using a IVR and that they had a recorded confirmation of this. We insisted on a copy of this. They again putzed around before finally admitting no copy "could be found".

      Still however they insisted that a contract was in effect; the previous contract "automatically rolled over" at the end of term. Bell is require to go through a number of things for this to be legally binding including written notice to the client and obtaining acknowlegement of their consent to roll the contract over, otherwise the client is deemed to be on a month-to-month basis.

      Predictably, just like some sleazy landlord, they continued to insist that the client had approved this and that proof would be forth coming. We now started all over and went through all their excussed again. Still Bell refused to back down, all the while offering to waive all the charges if they returned to Bell and cancelled the contract with us.

      Finally after escalating to several legal threats and a complaint to the CRTC including our fully documented copy of the process with them and the copies of the legal precidents backing our case: Bell backed down.

      This was a 6 month process and the client only got out of it because his new carrier (me) went to bat for him to keep the business. All the time this was going on the telcom manager who had made the decision to switch to us was in fear of god that he would be fired as Bell continued to make heavy handed collection efforts on this account which placed a lot of pressure on him to cave.

      In my own personal experience I have never received a credit for any of the incorrect charges that I have brought to their attention on my home line. Thats why I now use VoIP and Cellular for my home. Screw Bell. The whole telecom sector is crap, glad to be out of it.

    107. Re:Good God... by jjhall · · Score: 1

      Sure it is a pyramid,but it is not an illegal one as no money is exchanging hands to join. And anyone can join without even being in the pyramid below someone just by signing up on their main page without following a referral link. Sure the ones at the bottom will get left out, but that is the incentive to join now before everybody else has either discounted it as a scam or already signed up.

      As for mine, I am just waiting for it to ship. I already have my 5 referrals. As soon as my referrals send me their links, I am going to rotate theirs through my sig to help them get one too.

    108. Re:Good God... by gcaseye6677 · · Score: 1

      You need to report these scumbags to your state attorney general for using some of the most dishonest business tactics I've ever heard of. There's no such thing as a perpetual contract, obligating you to pay for the rest of your life. Since these people have no doubt ruined your credit, you should contact a lawyer and ask about filing a civil suit.

    109. Re:Good God... by void* · · Score: 1

      Additionally you're neglecting that, while on active duty, there's no debt for housing or food. There's also no consideration about buying dress shirts at $40/pop or ties at $30/pop. If one is living on base there's also little or no need for a car at $250/mo. plus gas at $1.80/gal for 120 miles of commuting every day.

      You know jack about the military, sir. As a single service member, yes, you live in the dorm and are fed.

      I was married. I had to live off-base because there was no available base housing. BAS and BAQ (Basic Allowance for Sustenence, Basic Allowance for Quarters) put together didn't cover my rent. As I remember, I had to save money from my mid month paycheck to put it on top of my first of the month check to get the rent covered, leaving me with about $600 to cover utilities, the car payment and insurance, and food, for the rest of the month. Even if you managed to get into base housing (after being on a waiting list for two years), feeding a family on $15k gross a year is a neat trick.

      So money was very tight, it wasn't a pie-in-the-sky free ride. I didn't bitch that the military doesn't pay enlisted enough - I took care of things using what I had.

      There's also no consideration about buying dress shirts at $40/pop or ties at $30/pop. If one is living on base there's also little or no need for a car at $250/mo. plus gas at $1.80/gal for 120 miles of commuting every day.

      Again showing your ignorance. We were responsible for purchasing our own uniforms. We received a yearly clothing allowance, but just like BAQ, it was a set amount and didn't cover all I had to buy. The only issued equipment I received was a pair of steel toed boots, about once a year. Since I was living off base, I had to have a car, and guess what, just like everyone else, I had to make the payments on the car, and buy gas for it - out of the money that was left -after- I paid the rent. And guess what - I paid my bills, rent, car insurance and car payment - on time, despite my finances being very tight. And I never had a credit agency chasing me. Funny, that, how meeting obligations you entered into seems to be a magic sheild preventing them from ever calling you ...

      FYI, adding up BAS, BAQ, my clothing allowance, and my pay, we're talking a gross income of a little bit over $15k a year my third year of service, and I had all the expenses a civilian had.

      You'll take great glee in touting around "life isn't fair--deal with it" yet you'll steadfastly deny to the bitter end that large financial corporations are happily making that more true each and every day.

      Corporations wouldn't be able to 'make life unfair' if people lived within their means. It's not a corporate decision that forces people into debt. It's their decision to swipe the card. Borrowing the money, then not paying the bill and complaining about how it's 'unfair' is a load of crap. Decent people take care of their debts, decent people work their ass off when they have to go into debt for medical purposes. Decent people step up and find a way to take care of their obligations when they've entered into them. Smart people pay more than the minimum payment when they can so they're not getting screwed by the interest. Again, I'll reiterate - the presence of the debt, and thus the bad financial situation, is the consequence of the person who borrowed the money's actions. It's not a matter of 'life isn't fair, deal with it'. It's a matter of 'You put yourself in this situation, and now you want to foist the blame off on who you owe the money to, rather than admitting that you made some bad choices and put yourself where you're at?'. Show me a child who owes thousands because his/her parents screwed up their credit and started taking loans out in their child's name, and I'll show you someone who's blameless in regard to the amount of debt they hold. For everyone else, it's a result of their actions.

      Does this mean the creditor sho

      --


      Code or be coded.
    110. Re:Good God... by maximilln · · Score: 0

      leaving me with about $600 to cover utilities, the car payment and insurance, and food, for the rest of the month

      We received a yearly clothing allowance, but just like BAQ, it was a set amount and didn't cover all I had to buy

      And guess what - I paid my bills, rent, car insurance and car payment - on time, despite my finances being very tight.

      You've clearly demonstrated that a large organization, such as the military, has carefully figured out just how much they need to provide in clothing allowance, food allowance, and housing allowance in order to leave you with enough money to just barely scrape by. The military has a vested interest in not bankrupting you since they do actually need you.

      Yet you will argue to your death that it is nothing short of a conspiracy theory that another organization, such as the credit industry, has not carefully figured out just how much particular segments of the population need for clothing, food, and housing. You will also categorically deny for all time that the credit industry is further liberated by not having any care in the world whether or not you go bankrupt. You will also ignore that the credit industry will increase its profit margin by continuing to use its knowledge and position to continue to ensure that there are large segments of the population which are kept in debt.

      Where is this magic mantra that allows the military the ability to keep people at the brink of subsistence, as evidenced by your own recollection of tight finances and struggle and sacrifice, but prevents the credit industry from taking full blown advantage of the same COST/EARNING/EXPENSE/PROFIT data to ensure that a large portion of the public don't scrape by (as you did) but fall consistently behind? There is none. That is their business model. That is what they do. You only refuse to see it because it would hurt your ego to think that you were given preferential treatment when you thought you were toughing it out in your boots.

      How much would the military have to raise its clothing prices to have put you in the red? How much would they have had to cut the BAS/BAQ to put you in debt, to make it your only option to live on credit because there just was nothing left which you could reasonably cut from your lifestyle? Yet you will ignore, from now until forever, that credit companies have any collusion with real estate companies. To you it will be preposterous that insurance agencies, covering the business insurance for credit agencies and realtors and brokers, would have any interest in sharing their databases on the demographics in American society. For some reason the military is able to provide its soldiers with just enough to scrape by but for the credit industry to take that one step farther and use it as a noose to perpetually indenture a significant portion of the population is nothing short of madness in your eyes.

      Clue: It's the SAME SYSTEM, only the military wants to keep you afloat and the credit industry wants you to sink.

      I am not arrogant. You are a fool.

      --
      +++ATHZ 99:5:80
    111. Re:Good God... by Anonymous Coward · · Score: 0

      I appologise, I did not mean to belittle your situation with my own and I am sorry for that.

      I have been just plain out of work once, just after I graduated. I got myself a job in Burger King to pay the rent. The next day I quit, and got extremely motivated to find a better job. It was a sales job, but at least it was technical sales and a little closer to my computer science degree than burger flipping.

    112. Re:Good God... by void* · · Score: 1

      Yet you will argue to your death that it is nothing short of a conspiracy theory that another organization, such as the credit industry, has not carefully figured out just how much particular segments of the population need for clothing, food, and housing. You will also categorically deny for all time that the credit industry is further liberated by not having any care in the world whether or not you go bankrupt. You will also ignore that the credit industry will increase its profit margin by continuing to use its knowledge and position to continue to ensure that there are large segments of the population which are kept in debt.

      I have "categorically denied" absolutely none of this.

      Of course the credit companies try to make what they can. Of course they use such methods.

      The point I'm making, and the one you continue to miss, is that whether they succeed or not is entirely up to the individual

      The credit card companies send me, every week, offers for credit cards with limits that I'm certain they've calculated based on what they know about my income.

      You know what I do with those offers?

      I shred them. Every one.

      You get the point yet?

      --


      Code or be coded.
    113. Re:Good God... by maximilln · · Score: 1

      whether they succeed or not is entirely up to the individual

      No. It's not. You've shown that the greater organization has complete control over the individual.

      The military, the credit companies, and major corporations all have accountants and managers whose sole job is to figure out the cost of being in business. This includes figuring out how much the janitors spend on clothes as opposed to the mid-managers per year. This includes figuring out the average commuting distance, the average car payments, and the average rent or mortgage payments. There are figures which will tell them how many movies your family will average a year and it's broken down by your income level, your zip code, and the number of children you have. They have this broken down by geographic distribution, by tax bracket, by total worth, by debt load, by education level, and by any other delimiter you can think of. This is even MORE true if your employer subsidizes a credit union which makes it even easier to pass the relevant databases back and forth.

      The military uses these numbers to ensure that you can scrape by so as to browbeat everyone else later on in life. Did you really think it was coincidence that they just happened to give you just enough to make it through every month while still keeping you happy enough that you didn't go postal on the job? Corporate America, controlled by the financial brokers who head banks, insurance companies, and investment houses, has no such good intentions and uses these numbers to maximize profit. That means, directly, that the working class population is going to be sold into debt. It's not even a personal thing--it's just a statistical fact. They won't be sold into deep debt because that would be bad for worker morale. They are sold into marginally increasing debt so that there's always another carrot to keep working harder to try and get the next 2.5% raise or promotion rather than a 2.0% raise.

      You know what I do with those offers?

      This has nothing to do with credit card offers and everything to do with the overall debt load carried by the average American middle-class worker. If my tax load, every year, wasn't 60% I could afford to have 20 credit cards and easily live within my means.

      If the military had decided that it needed a new fleet of tanks it could very well have cut your pay and your benefits and forced you to live on credit. The military doesn't do that, though, because it's not good PR for people to leave the military saying,"Sorry. You guys just couldn't pay the bills." The rest of the population, and especially middle-class working America, does not have the luxury of being employed by an entity that is as philanthropic.

      So... again... I will not feel guilty about not paying back my debt. It wasn't my debt. It was debt which was engineered out of my control which I had no chance of ever getting ahead on. If corporations really wanted us to pay back our debt they would raise our wages. Instead the .com boom-bust made a few people enormously wealthy while the rest of us lost our savings, our jobs, and saw our salaries cut to ribbons. In my particular field the average salary for someone 5 years out of undergraduate was $65k last year. This year the average salary for someone 6 years out of undergraduate is $50k. The IRS has reported that the average American salary dropped 10% from 2000-2002.

      When's the last time you took a 23% pay cut while the top execs, such as the 292 at Enron, ran off with billions of dollars? Why should I feel guilty about not paying a "debt" to those crooks? The same social circles sit on executive boards across every industry. I don't see anyone repaying the debt to the 401k investment funds. Alan Greenspan isn't repaying his debt to the millions of Americans whose retirement accounts were flushed. I don't see Strong Funds rushing to repay the investors they defrauded. And what of government prosecution? Does the government turn around and cu

      --
      +++ATHZ 99:5:80
    114. Re:Good God... by splatter · · Score: 1

      Yup,

      Virginia did the same thing to me. THe state tries to charge me for four years of back taxes for a car I sold, returned the tags, and was no londer living in Virginia or driving.

      Long story short I finally got them to change it but it took a long time.

      DP

      --
      "(I) have this unfortunate condition that causes me not to believe a single thing any politician says when a mic's on.
    115. Re:Good God... by void* · · Score: 1

      So... again... I will not feel guilty about not paying back my debt. It wasn't my debt. It was debt which was engineered out of my control which I had no chance of ever getting ahead on

      You keep telling yourself that. The simple fact is that you signed your name on paperwork saying 'lend me money, I'll pay it back'. You spent the money, did you not? You can rationalize it away all you like, but if you don't pay off your debt, you're dishonoring yourself, and any feeling you have that life isn't fair is due to your own actions.

      Have a nice day.

      --


      Code or be coded.
    116. Re:Good God... by maximilln · · Score: 1

      The simple fact is that you signed your name on paperwork

      You would support any morally reprehensible action as long as you can get a signature on a legally enforceably contract first. Perhaps you should check your own honor. I feel no guilt in exposing a disingenuous contract.

      You have, yourself, illustrated that the individual has no control over a system which has been overwhelmingly mapped by the larger organization.

      Of course the credit companies try to make what they can. Of course they use such methods.

      Good. As long as we both accept that life isn't fair then they can assume their share of the responsibility for lending money to people who are in a demographic that they well know cannot repay the money. It's called predatory lending, it is illegal, and it's also very costly to prove. That's very convenient since, by virtue of being the lender, they know the client can't afford to mount a legal battle.

      you're dishonoring yourself

      Spare me the sap. The credit industry is the antithesis of honor--profitting from the misfortunes of others (natural or contrived). Perhaps you should read up about the way Irish Catholics were treated during the Potato Famine and afterwards. I take a large amount of enjoyment in exposing a fraud. My honor is in knowing that I will not waste my life lamenting being taken advantage of by thieves.

      --
      +++ATHZ 99:5:80
    117. Re:Good God... by LuxFX · · Score: 1

      Virginia did the same thing to me

      They are definately hard up for money. And now Richmond has got millions of dollars in flood damage from Gaston. I wonder what they'll try next year.

      --
      Punctanym: alternate spelling of words using punctuation or numerals in place of some or all of its letters; see 'leet'
    118. Re:Good God... by void* · · Score: 1

      Lending money and expecting to receive it back, with a fair interest rate, is not morally reprehensible.

      A loan shark is morally reprehensible, and predatory lending practices are morally reprehensible. There are laws against both already.

      Keep on spinning excuses, if you like. AFAICT you're just someone who wants any wild reason to feel like you're not doing a wrong by not paying money owed back. All the crazy rants and whining 'not my fault' in the world won't change that.

      --


      Code or be coded.
    119. Re:Good God... by maximilln · · Score: 1

      AFAICT you're just someone who wants any wild reason to feel like you're not doing a wrong by not paying money owed back

      Now we're back to the original point. You're taking the moral high road because mother military gave you an opportunity that most Americans don't have. What did you say about ad hominem earlier? You're ignoring the actual debate: that the debt is not real debt but is part of a contrived scheme.

      ending money and expecting to receive it back, with a fair interest rate, is not morally reprehensible

      Since when is 19% APR, plus any tax and fee that can be stuffed into legal fine print, a fair interest rate? You're justifying yourself using terms which you don't qualify for.

      --
      +++ATHZ 99:5:80
    120. Re:Good God... by void* · · Score: 1

      You're ignoring the actual debate: that the debt is not real debt but is part of a contrived scheme.

      Did you receive money? Did you sign papers saying you'd pay it back? Did you spend the money?

      My guess is the answers to these three questions are "Yes".

      Unless the lender violated the law, that's "real debt".

      --


      Code or be coded.
    121. Re:Good God... by maximilln · · Score: 1

      Did you receive money? Did you sign papers saying you'd pay it back? Did you spend the money?

      I'll happily sign my name to a dishonest contract for the opportunity to expose a fraud. I'll do it time and again with every chance I'm given.

      Unless the lender violated the law, that's "real debt"

      I suppose you'll continue to deny the power of corporate lobbies to manipulate laws above and beyond the control of the truthful meaning of democracy. Once again I refer to the Irish Potato Famine and the American Great Depression and the recent .com boom-bust. The actions taken by predatory lenders at those times was perfectly "legal" but you'll be hard pressed to find people who will support the intent behind them--outside of those who profited. Excepting those who are already quite wealthy I cannot find a single person who felt that their investments were used fairly from '99-'02. Add insult to injury when average salary decreases 10% over '00-'02.

      --
      +++ATHZ 99:5:80
    122. Re:Good God... by void* · · Score: 1

      I'll happily sign my name to a dishonest contract for the opportunity to expose a fraud. I'll do it time and again with every chance I'm given.

      Well, then, you differ far greatly from myself. See, I think the thing to do with an actually dishonest contract is NOT SIGN IT

      The actions taken by predatory lenders at those times was perfectly "legal" but you'll be hard pressed to find people who will support the intent behind them

      Do a google search for "Predatory Lending Law". The thing to do with such things is to get a law passed against them, not whine about how you think such things are an excuse for you skipping out on your debt.

      --


      Code or be coded.
    123. Re:Good God... by maximilln · · Score: 1

      Well, then, you differ far greatly from myself. See, I think the thing to do with an actually dishonest contract is NOT SIGN IT

      You are blessed by the privelege.

      whine

      Troll

      The thing to do with such things is to get a law passed against them

      10 out of 10 dictators agree: "Let them eat cake."

      --
      +++ATHZ 99:5:80
    124. Re:Good God... by void* · · Score: 1

      You are blessed by the privelege

      You are as well.

      See, I could've sunk myself into debt I couldn't handle, but didn't - when I realised I was nearing that edge, I stopped using credit to buy things, and I paid it off - and it took a while.

      My mother could have sunk herself into debt she couldn't handle, but didn't. She's far better at it than I am, actually.

      In both of these situations, the decision to *not* get into extensive debt was made when our respective incomes were low (in my mother's case, very low - as I said before, our neighbors on welfare received more in their welfare check than my mom netted). This isn't a 'priveleged vs. non-priveleged' issue. This is a 'made different choices' issue.

      See, having grown up in economic conditions that you claim must 'force' everyone into debt, and seeing people's decisions make the difference between having large debts and not having large debts at all income levels, I'm not buying that argument.

      --


      Code or be coded.
    125. Re:Good God... by maximilln · · Score: 1

      See, I could've sunk myself into debt I couldn't handle

      No, you couldn't. You'd have to be a complete reject to screw up in the military.

      My mother could have sunk herself into debt she couldn't handle, but didn't

      No, she couldn't. There was no wholesale industry in keeping people a large portion of the working population in debt in her time. As long as a person was willing to work an honest day they were paid a living wage. Her generation would have to be complete rejects to get into debt.

      the decision to *not* get into extensive debt was made when our respective incomes were low

      Even though you've always managed to just scrape by you refuse to acknowledge that it would have taken no more than twice that scraping to have forced you to live on credit. Just a little less on the BAS/BAQ. Just a little more on the price of gasoline. Just a little more on the rent. Any one of those factors could've pushed you from your sanctimonious frugality into a life on credit. You're hopeless in your self-righteousness.

      See, having grown up in economic conditions that you claim must 'force' everyone into debt

      How many years were you subsidized? I didn't say everyone. I said a statistically significant portion of the population. The average credit card debt for American households is $8k. It's easy for you to label your fellow Americans as morons.

      I'm not buying that argument

      I have yet to meet a dictator who will admit they've wronged anyone.

      --
      +++ATHZ 99:5:80
    126. Re:Good God... by Kombat · · Score: 1

      I don't know about the US, but they teached us in school what credit cards are and how they work.

      While I'm glad to see your school included such valuable, practical, real-world topics in their curriculum, couldn't they have found something else to cancel, rather than "Grammar" class? Would anyone have missed, for example, "Geography?"

      --
      Like woodworking? Build your own picture frames.
    127. Re:Good God... by arose · · Score: 1

      Yes, yes you seem to have missed "Geography", you would know that there are many places in the world where English is not the primary language. So quit beeing redundant and complaining about me not paying attention to exeptions in my 4th language while posting on /. where native speakers don't know the difference between "its", "it's" and "ITs".

      --
      Analogies don't equal equalities, they are merely somewhat analogous.
    128. Re:Good God... by Kombat · · Score: 1

      Relax, guy, I was just trying to be funny. :)

      native speakers don't know the difference between "its", "it's" and "ITs".

      Touche, my friend. Also, "lose/loose," "your/you're", and the ever-popular "there/they're/their".

      --
      Like woodworking? Build your own picture frames.
    129. Re:Good God... by arose · · Score: 1

      Some things are only funny the first time. ;-)

      --
      Analogies don't equal equalities, they are merely somewhat analogous.
    130. Re:Good God... by void* · · Score: 1

      No, you couldn't. You'd have to be a complete reject to screw up in the military.

      You don't know what you're talking about. At the point in time I made my decision to stop using credit, I was out of the Air Force, supporting my wife and newborn son on a gross salary of $20k a year, in the San Francisco Bay Area, where cost of living is one of the highest in the country.

      No, she couldn't. There was no wholesale industry in keeping people a large portion of the working population in debt in her time.

      "Her Time" was when I was growing up - i.e., the late seventies and eighties. Surely you're not so arrogant as to think that the credit companies have only been making calculations as to how much money they can get out of someone who uses credit since *you* started using credit, are you?

      Besides that, my mother is still alive, and still not using credit, even though her current employment pays her approximately $7 an hour. That's a far cry from being somehow 'forced' to use credit by the nefarious credit companies.

      How many years were you subsidized?

      Subsidized? What the hell are you talking about? I grew up with my mother working her behind off at a minimum wage job. You think that's being "subsidized"?

      Perhaps you're referring to my military service. I was in for four years, but I don't view that as a subsidy - I had to go to work every day, if I hadn't, they wouldn't have paid me.

      The average credit card debt for American households is $8k.

      The average credit card debt may be $8k, but that doesn't mean the average person has $8k in debt.. You insinuated I did not understand mathematics earlier, yet now you completely ignore basic implications of how averages are calculated.

      Read that article. Read it very carefully. The $8k figure you cite is an average balance of Americans who actually have at least one credit card, completely ignoring the 1 in 5 Americans who do not have any cards at all

      In fact, only one in twenty Americans have a balance of $8k or more. That's 5%, which is hardly statistically significant in the context of your attempt to prove some grand credit conspiracy.

      Quoting from the article:

      - 23.8% of American households have no credit cards at all -- no bank cards, no retail cards, nothing.
      - Another 31.2% of the households the Fed surveyed paid off their most recent credit card bills in full.

      That's 55% of Americans who carried no credit card debt at all at the time of the survey.

      It's easy for you to label your fellow Americans as morons.

      I'm not labeling my fellow Americans as morons. I'm labeling you a moron. There's quite a bit of difference there, see, you're alleging that I'm labeling 293,027,570 more people than I actually am. (It's a Joke, Son)

      I have yet to meet a dictator who will admit they've wronged anyone.

      That's actually kind of funny, coming from you, who apparently can't admit that a bad situation you find yourself in might actually be the result of a bad decision you made. Everything is everyone's fault but your own in your world.

      --


      Code or be coded.
    131. Re:Good God... by maximilln · · Score: 1

      might actually be the result of a bad decision you made

      Or it might not. In an group of 100 people 5 people become enormously wealthy, 50 people subsist, and 45 people live in debt. You can postulate that the 45 people all made bad decisions or you can use your brain and think that the 5 people at the top are working the statistics of the economy. Just because you're one of the 55 people that subsist doesn't prove that the other 45 are making bad decisions.

      I grew up with my mother working her behind off at a minimum wage job

      Most Americans cannot subsist on a minimum wage job. Apparently your beginnings started out at a more favorable income/expense ratio.

      At the point in time I made my decision to stop using credit, I was out of the Air Force, supporting my wife and newborn son on a gross salary of $20k a year, in the San Francisco Bay Area, where cost of living is one of the highest in the country

      It sounds like you had some other factors which were helping you along. The majority of Americans would quickly slip into debt in that situation.

      1 in 5 Americans who do not have any cards at all

      Would that be the 1 in 5 who are being subsidized with other forms of assistance? Or would that be the 1 in 5 who are independently wealthy because they're siphoning someone else's wage? Perhaps it's the 1 in 5 who are in an age group that places them beyond the boom of the credit/debt industry.

      In fact, only one in twenty Americans have a balance of $8k or more

      Of the 19/20 who are left, how many of them are moving closer to paying the balance off and how many are slipping farther into debt? It's easy to spin the numbers game any way you want.

      Another 31.2% of the households the Fed surveyed paid off their most recent credit card bills in full

      Which does not say they paid all of their credit card bills in full and also does not give an indication for how many paid the credit cards by consolidating their debt into another form. It still doesn't prove that the 68.8% who didn't pay in full were making bad decisions.

      That's 55% of Americans who carried no credit card debt at all at the time of the survey

      Only if you assume those who paid the most recent bill in full had only one credit card. What of the subject population distribution? Those who are working their butts off to try to catch up to bills aren't going to be home to answer the phone when the Fed calls. Many people who are living in debt may not even have a published telephone number to avoid the harassment.

      Everything is everyone's fault but your own in your world.

      All other things being equal I've put just as much effort into staying ahead of bills as any of my peers. My peers who are in debt feel much the same way that I do. My peers who aren't in debt often concede that they were given opportunities which the rest of us didn't have. Apparently you don't share their objective honesty preferring instead to cling to your browbeating stick.

      You're being self-righteous and ignoring the wholesale industry of legal predatory lending. You're also ignoring the 10% drop in average American wages from '00-'02 which makes it statistically less likely to pay back debt.

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      +++ATHZ 99:5:80
    132. Re:Good God... by maximilln · · Score: 1

      might actually be the result of a bad decision you made

      Let's take this apart piece by piece, then.

      When I was 2 years old my parents set up a college fund for me. By the time I was 18 that fund held enough money to fully fund my college tuition for four years and my projected housing cost for three years. My parents also had ownership of my grandparents house in order to spare my grandparents the weight of the property taxes. Upon entering college I qualified for the same academic scholarships as most of my peers but, because of my fund and because my parents owned two houses (on paper) I did not qualify for many of the assistance scholarships and grants that my peers qualified for even when the parents of those peers had higher salaries than my parents. While my peers were receiving monthly stipends from their parents (which mine couldn't afford) and additional stipends from assistance grants and scholarships I was receiving none of those extra perks. That typically amounted to about $200/mo. Is that my bad decision for that fund? No. Is that my bad decision for the way FAFSA determines need and eligibility for assistance? No. To be perfectly honest I didn't know about the dual house ownership until several years after I had graduated. I had always wondered why I didn't qualify for the same assistance that my peers, from more affluent families, qualified for. Is that my bad decision? No. If you take the subsidies that my peers received, at around $200/mo., and call them "cost of living" then I had an additional $1800 per school year in "living debt" through no bad decision of my own. Is $200/mo. unreasonable? Absolutely not. Even stingy employers will allow $15/day for "per diem" when they put their employees on the road. That's $7200 in "living debt" after four years of college. Is it unreasonable for a person to require $7200 to live for four years? Hardly. At 19% interest, however, it's predatory and nearly impossible to pay back. Did I work a summer job to try and pay it back? Yes. Did my parents charge me rent while I was home working over the summer? You bet--$200/mo. I busted my hump working on wood floors at $9/hour in the summer heat (gymnasiums are rarely air conditioned in summer and full riding floor sanders generate enormous amounts of heat) while many of my peers worked candy internships in IT at $15/hour with parents who weren't charging rent. Was I in IT? No. Is that my bad decision? Absolutely not. We can't all be in IT at a time when the stock market was favoring every junk .com founded by VCs.

      Your four years in the military puts you in the category of my peers. My peers were subsidized by grants and assistance (not academic) scholarships which I didn't qualify for because my tuition and housing was paid. You were subsidized by the military. That's four years of $200/mo. That's all. Nothing more.

      Extend this to the first year out of college. I am now working on a job to pay back "living debt", at 19% interest, that the majority of my peers don't have. While many of my peers were offered signing bonuses in the IT field, my field was in chemistry which was not offering signing bonuses. Is that a bad decision on my part? Absolutely not. Right away my peers, who don't have the living debt due to their subsidy grants and eligibility for other scholarships, are averaging another $5k in signing bonus over me. While they can take the puny first year salary to live and save, I'm using my first year salary to try and pay back "living debt". Is this a bad decision on my part? No. It only shows that the FAFSA eligibility was poisoned by what seemed to be a smart decision by my parents to set up a college fund for me and their ownership of two houses to spare my grandparents the burden of property tax. Are these bad decisions? In hindsight perhaps we shouldn't have been so responsible and taken the route that everyone else did--not create a college fund and allow the state (and taxpayers) to take the burden of

      --
      +++ATHZ 99:5:80
    133. Re:Good God... by void* · · Score: 1

      Or it might not. In an group of 100 people 5 people become enormously wealthy, 50 people subsist, and 45 people live in debt. You can postulate that the 45 people all made bad decisions or you can use your brain and think that the 5 people at the top are working the statistics of the economy. Just because you're one of the 55 people that subsist doesn't prove that the other 45 are making bad decisions.

      This is a false dilemma, it doesn't have to be either "All of those in debt made bad decisions" or "All of those in debt are being worked by the 5 at the top". Having debt alone is not proof of a bad decision, as you state, but I've never said it was. My stance is merely that it's far likelier that excessive debt is due to decisions made than to a credit conspiracy.

      For instance, it could be that two of the five at the top, while having enormous incomes, also have enormous debt. Using your own example, and the statistics in the article I gave above, we're talking about only six people with a debt of $8k or greater. While I cannot say that individual action is all by itself the deciding factor, that says to me that far less than your 45 people would be making bad decisions (it can't necessarily be said that all 6 people are making bad decisions, as some of the six may be there by factors outside of their control, and others not in the six may have made bad decisions yet through circumstance not had it affect them as much as it has others).

      It sounds like you had some other factors which were helping you along. The majority of Americans would quickly slip into debt in that situation.

      The only factor I can think of is that I grew up poor, and thus didn't see some magical life with all the "stuff" I wanted as somehow a right due everyone. So I lived without things that I didn't need. It's that simple - if you just want it, but can live without it, don't buy it

      Would that be the 1 in 5 who are being subsidized with other forms of assistance? Or would that be the 1 in 5 who are independently wealthy because they're siphoning someone else's wage? Perhaps it's the 1 in 5 who are in an age group that places them beyond the boom of the credit/debt industry.

      I suspect it would be a mix of all three, and including many groups you haven't mentioned, since the mere fact that the statistics you give match does not mean that we can assume any of these groups are congruent. (e.g., the set of one in five who are independently wealthy obviously cannot be the same set as the one in five who are receiving assistance - we cannot assume that any of these sets of people are equivalent, although it is quite possible that some of these sets intersect)

      --


      Code or be coded.
    134. Re:Good God... by maximilln · · Score: 1

      So I lived without things that I didn't need. It's that simple - if you just want it, but can live without it, don't buy it

      Read my other post. I didn't buy anything I didn't need. It was living expense that others had subsidized through tuition assistance and state sponsored grants that I didn't qualify for because my parents made a RESPONSIBLE decision to set up a college fund for me at 2 years old. Is that a bad decision on my part? No. Is it a financial scam? Absolutely. People with higher incomes could apply for and receive state-subsidized handouts when people with lower incomes, like my parents, making intelligent decisions, like setting up a college fund, are now ineligible. It's the equivalent of corporate welfare for those who don't really need it. Did you live on $200/mo? Of course you did. $200/mo. is not a bad decision.

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      +++ATHZ 99:5:80
    135. Re:Good God... by void* · · Score: 1

      When I was 2 years old my parents set up a college fund for me. By the time I was 18 that fund held enough money to fully fund my college tuition for four years and my projected housing cost for three years

      You're already describing economic conditions far in excess of the conditions I had experienced up to that age.

      Is that my bad decision for that fund? No. Is that my bad decision for the way FAFSA determines need and eligibility for assistance?

      The things you describe were absolutely not your decision. However, your actions under those conditions are absolutely your decision. It appears to me that you're considering the difference between the funding and income you recieved and that of what your peers received as somehow an automatic debt accrual. The mere fact that they had higher incomes and could therefore spend more does not automatically justify your decision to spend what they were spending. Unless you can say in all truthfulness that you absolutely did not spend any money that was not absolutely necessary for you to spend (and here, I refer to food, clothing, your rent for the fourth year (since your fund covered it for the first three) and books, which you should have purchased secondhand,if possible - anything else is beyond absolute necessity (and the books should, in my opinion, be looked at as more an investment in your future), you cannot say that your decisions did not have an effect on how much debt you carried. Did you ever go out to eat? Ever go out with your friends, and spend money that you shouldn't have been spending? These aren't questions I expect you to answer - just to think about.

      Your four years in the military puts you in the category of my peers. My peers were subsidized by grants and assistance (not academic) scholarships which I didn't qualify for because my tuition and housing was paid

      Dead wrong. See, your peers were receiving money they did not have to work for, nor pay back. I was busting my ass on a flight line for nine to twelve hours a day, sometimes for weeks on end, depending on exercises and deployments, for the money I was paid. Are you beginning to get a glimmer of why I do not consider military service a "subsidy"?

      Your entire post sounds to me like something I would hear from what I would have considered a "rich kid", back when I was growing up. Such people basically had everything provided for them when they were growing up, and when they hit the real world, where you have to take care of yourself, where you won't be bailed out by mom for a bad decision, they acted as though everything was so unfair.

      Growing up as poor as I did, I had no expectation that life should automatically bring me any set level of income, or that I was automatically entitled to some standard of living. That's the main difference between you and I, as far as I can tell.

      I also find it rather funny that you continually act as though I had some magic level of advantage that you did not, considering that from your post, you've basically admitted that you were far more economically advantaged than I was. I am not arrogantly talking down at you from some point on the economic chain that I achieved due to some preexisting privilege - from the information you've given, I've lived a life that was overall far harder than yours, and any difference (if any, as we haven't discussed current economic conditions) between where you are at now, and where I am at now, is just that much farther I had to climb, or that much farther I have yet to climb.

      To sit here and read your complaints about how you accrued $7200 in debt over four years, about how you are now somehow far behind your peers, is amazing, and sad, especially when you admit that you started with advantages that many Americans (including myself) did not. Considering that I, as poor as I was, realized that in the context of billions of people who did not have even my advantages (which were the result of mere chance and geographical location), to hear you complain about how you've been ripped off by the world is actually insulting.

      Step up, pay your debt off, and be glad you're lucky enough to not know what it's like to be really poor.

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      Code or be coded.
    136. Re:Good God... by void* · · Score: 1

      Did you live on $200/mo? Of course you did

      I've lived on $200 a month left over after paying for housing, yes. From your other post, I suspect that's what you're referring to - that you had $200 a month left over after you covered base expenses other than food.

      I had a wife and son to take care of at the time, as well. I don't expect you to believe that, from the manner in which you asked the question, but it's the truth.

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      Code or be coded.
    137. Re:Good God... by maximilln · · Score: 1

      You're already describing economic conditions far in excess of the conditions I had experienced up to that age

      Had I known how it would be used against me in the financial industry I would've skipped college, banked the money, and put a down payment on a house. Then I wouldn't have any debt because I would've started out with real equity and a steady wage job rather than living on work-study, credit, and ramen for four years.

      Your entire post sounds to me like something I would hear from what I would have considered a "rich kid"

      The rich kids still got tuition assistance and grant subsidies. I paid full price for everything out of my own pocket. Their daily living expenses were subsidized. I had no income for daily living expenses. Credit was the only way to cover daily living expense.

      As I've said. It's a economic scam that plays on statistics. People from affluent families that made no responsible planning decisions still receive subsidies. A family, such as mine, scraping by on the single income of a father making less than $10/hr (he still makes less than $12/hr after 30 years with the company) that made a responsible planning decision to set up a college account was no longer eligible because that college fund negated all possibility for financial aid from the biggest provider--the government.

      It appears to me that you're considering the difference between the funding and income you recieved and that of what your peers received as somehow an automatic debt accrual

      Not at all, but even you must realize that there's a basic amount of cash on hand which is required to live. Personally, I estimate that it costs about $5/hr just to breathe in this nation. Those who can qualify for subsidies can breathe with someone else's money. Those of us who tried to make responsible decisions for our future end up funding our own breathing out of pocket AND paying taxes to subsidize the breathing of others. Those subsidies are not always direct handouts that you know about, but even something as simple as owning a house qualifies as a "subsidy" due to the interest rates and equity involved. The money that's milked from people paying high interest rates on debt or taking lower returns on investments is used to keep the housing market in a favorable light.

      you've basically admitted that you were far more economically advantaged than I was

      If only you knew. I was economically advantaged by a college fund and the financial industry ensured that they would take every penny of that back and then charge me extra just to live. Why? Not because I made any bad decision, but because a RESPONSIBLE decision which my parents made rendered me ineligible for the benefits which everyone entering college, including you, would be eligible for. Heck, you'd be eligible for even more because you have a wife and child.

      I've lived a life that was overall far harder than yours

      I sincerely doubt it. I'm not going to get into a sob story. This was a debate about the inequities of the financial industry and how subsidy funds (and this truly is a welfare/subsidy society, whether you recognize it or not) are disbursed.

      be glad you're lucky enough to not know what it's like to be really poor

      When's the last time you spent 6 months homeless living out of a tent and a sleeping bag with no real options for getting back into society? Not only did I face it once but now I'm facing it again when the debt collectors come calling. Screw them. I don't deserve this crap. I've never lived beyond my means. I lived. Nothing more than any other human would expect, especially a human making a responsible effort to attain an education, especially a human that's held a job since age 11.

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    138. Re:Good God... by void* · · Score: 1

      When's the last time you spent 6 months homeless living out of a tent and a sleeping bag with no real options for getting back into society?

      Live twenty years of your life far under the poverty line. Then come back to me with your sob story. Six months living out of a tent is nothing, it's a camping trip. If you had no real options, you'd still be there.

      The 'be glad you're lucky enough to not know what it's like to be really poor' referred not to myself, but to the many, many people in this world who live in conditions far worse than any you or I have or will ever experience - I'm glad I've never been that poor, you should be as well. Perhaps I didn't make that clear.

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    139. Re:Good God... by maximilln · · Score: 1

      Live twenty years of your life far under the poverty line

      If you lived under the poverty line then you qualified for subsidies. Suck it up soldier. My father pulled $10/hr to support a family of five and we didn't take charity because others, like you, apparently needed it more.

      Then come back to me with your sob story

      Is that the same sob story as you have living on $20k with a wife and child?

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    140. Re:Good God... by void* · · Score: 1

      If you lived under the poverty line then you qualified for subsidies. Suck it up soldier. My father pulled $10/hr to support a family of five and we didn't take charity because others, like you, apparently needed it more.

      My mother supported a family of five on minimum wage, without subsidy or charity. $10 an hour is over twice what she was making, and apparently your father managed to cover saving for four years of college on his wage, for you, and gave you that money for nothing.

      Yet you complain about having to pay $200 rent during college - which is something a lot of parents require as a little introductory course into the real world. What would your father think if he were reading this thread right now? Would he be oh so proud to see you disrespecting everything he worked so hard to give you? I doubt it.

      Is that the same sob story as you have living on $20k with a wife and child?

      No, at that point in my life I was actually far better off than I'd ever been previously.

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    141. Re:Good God... by maximilln · · Score: 1

      $10 an hour is over twice what she was making

      5x40=200x50=10k. Take out 25% in tax and get $7500. If rent/mortgage is $400/mo that's $3600. That's $3900 to pay bills and food. Electricity at about $50/mo leaves $3300. Divide by 12 is less than $300/mo for food, clothes, gasoline, school supplies, and other expenses for a family of 5. $300/mo is about $10/day. You can't feed a family of five on $10/day. There's something else you're not telling.

      apparently your father managed to cover saving for four years of college on his wage, for you, and gave you that money for nothing

      Or perhaps that money came because I was severely disfigured in a house fire at age 2 and have dealt with the social shock complex that comes with living in a society that reviles people who are severely scarred over 80% of their body. Friends and physical appearance play a big role in the opportunities that you receive in life. That's why people who are physically disabled are legally protected. There's no protection for people in my category. I'm automatically subject to the discomfort factor because people are intimidated by my appearance. They don't know how to deal with me so, like every good American, they'd rather hire the next guy. Life's not fair.

      Yet you complain about having to pay $200 rent during college

      Rent during college came out of my own pocket, full price. The fact that I had that money saved disqualified me for the $200/mo. in tuition assistance that even the "rich kids" were eligible for.

      Would he be oh so proud to see you disrespecting everything he worked so hard to give you?

      He actually chuckles about the fact that he didn't have to work a day for the money that put me through college and felt no guilt about not sending me the same money that other students received from their parents for basic living expenses. Just like you, he takes great pleasure in browbeating me over the debt that I took on in college just to live. As you must think his default was always to say,"Get a part-time job!" No consideration for the calibre of the school. I've already mentioned that, out of a class of 500, there were 2 gunners who could subsist on 3 hours of sleep a night to hold down a part-time job and still pull grades at that institution. I feel no shame in admitting that I couldn't subsist on 3 hours of sleep and honestly expect to pull the grades.

      No, at that point in my life I was actually far better off than I'd ever been previously

      No doubt. Candy street for you.

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    142. Re:Good God... by void* · · Score: 1

      You can't feed a family of five on $10/day. There's something else you're not telling.

      True enough.

      She worked two jobs, one part time, one full time. Even so, your calculation is not off by much - she made $3.32 an hour, not $5, so it's more like 3.32 x 70 x 52 = 12084.8 (on average, as she never worked exactly seventy hours a week). Still quite less than your fathers $10 x 40 x 50 == $20k gross, and your dad apparently got vacations (since you dropped off the extra two weeks a year). So yes, while $10 is more than twice what my mother was making in hourly wage, she managed to make barely over half as much as your father.

      Even still, we often didn't have any food in the house, which is the bit I wasn't telling.

      Or perhaps that money came because I was severely disfigured in a house fire at age 2 and have dealt with the social shock complex that comes with living in a society that reviles people who are severely scarred over 80% of their body. Friends and physical appearance play a big role in the opportunities that you receive in life. That's why people who are physically disabled are legally protected. There's no protection for people in my category. I'm automatically subject to the discomfort factor because people are intimidated by my appearance. They don't know how to deal with me so, like every good American, they'd rather hire the next guy. Life's not fair.

      And now we get to the real point. It is entirely unfair that you have been denied jobs based on appearance rather than ability (assuming you have, I won't dispute it). However, that doesn't (in my mind) justify projecting your circumstances out as the general condition of the average American. Assuming you're telling the truth, factors in your life (perhaps unfairly) may have resulted in that, but it looks to me like you're projecting that out as the condition of the average American. And your statement implies that your current situation is due more to your social disadvantage than any economic advantage held by your peers. It truly sucks, but it's not a grand credit conspiracy.

      Without all facts, I can't make a judgement call on whether or not you could have made it through reasonably without using an unreasonable amount of credit. However, to simply assume that all people with large debt got there in a similar manner to yourself is far too simplistic a model. From my experience, *most* people who have too much debt live beyond their means.

      As you must think his default was always to say,"Get a part-time job!"

      In most cases I would consider that absolutely reasonable.

      No doubt. Candy street for you.

      Compared to my life as a child and young adult, absolutely.

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    143. Re:Good God... by maximilln · · Score: 1

      she made $3.32 an hour

      At one job. And the other? You're still fudging for your own sob story.

      Even still, we often didn't have any food in the house, which is the bit I wasn't telling

      No food? Who subsidized you to eat? I'm weeping. Your numbers don't add up.

      12084.8

      $400/mo for rent, $50/mo for electric. 12000x.75=8000. 8000-3600=4400-600=3800. That's still only $320/mo for a family of five. Impossible, even if you didn't have food in the house. Even if she bought her own cloth and sewed all your clothes.

      but it looks to me like you're projecting that out as the condition of the average American

      This is a debate about the predatory nature of the financial industry. The average American, should they make a RESPONSIBLE decision to save up for a college fund, will not be eligible for the same tuition assistance and government grants which "rich kids" are easily eligible for. While the "rich kids" get subsidy from both parents and state the average American, having made a responsible decision to save, is left to live on credit for living expenses.

      It truly sucks, but it's not a grand credit conspiracy

      That "conspiracy" word is a magic crack pipe for you apparently. There's no conspiracy in knowing how to milk the system. There's no conspiracy in looking at the FAFSA and saying,"Wow. You were a good American worker. You saved all your money and can pay for your entire college tuition and housing all by yourself. It looks like you have no need for tuition assistance. There are these $10k in scholarship grants, but they're only available to students with a demonstrated need. We'll just give this 30% subsidy to the kid with the new BMW. Now, have you thought about how you're going to pay for daily living expenses?"

      From my experience, *most* people who have too much debt live beyond their means.

      From my experience, most people who have too much debt were denied subsidy opportunities given freely to more affluent people or were subject to predatory interest rates on common loans for which more affluent people would have received a fair interest rate. You enjoy browbeating people. Since I've seen the short end of the stick I prefer to give them the benefit of the doubt.

      In most cases I would consider that absolutely reasonable

      At some candy state school, sure. At some candy program like the military, sure. I know plenty of people who held part time jobs while in the military and I know plenty of people who held part time jobs at state schools because their average study time to score 3.0 was about 1/2 hour/night of reviewing handout lecture notes. The population of the program which I was enrolled in showed 2 out of 500 students with the mettle to hold a part-time job, accept 3 hours of sleep per night, and still pull the grades. I tried a part time job for a quarter. Coming home at 2 AM to be at 8 hours of hard science and engineering courses force fed at a rate and demand similar to MIT was not something I could handle, and neither could 498 out of 500 of my classmates. I even know people who attended MIT and held part time jobs--but they were attending classes on a lighter load or weren't trying for a hardcore science or engineering degree. With the demand that the .com boom placed on the industry schools were churning out CS and CO majors with clockwork efficiency (and it brought us the superiority of Windows, javascript, crappy websites, and the Intel architectural platform. w00 frickin' h00). I wasn't at a candy school or in a breezy program. I had a choice: live on credit and spend the time studying or drop out.

      Still a bad decision? Only if you're more addicted to browbeating than you are to life.

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    144. Re:Good God... by void* · · Score: 1

      At one job. And the other? You're still fudging for your own sob story.

      Both jobs were minimum wage. One at a retail store, the other cleaning hotel rooms.

      No food? Who subsidized you to eat?

      No one. It's simple enough that I think someone with your claimed level of intelligence would easily understand it - When we didn't have food, we didn't eat.

      Impossible, even if you didn't have food in the house. Even if she bought her own cloth and sewed all your clothes.

      My clothes, shoes, etc. were bought at thrift stores, and my sisters wore my hand me downs. Honestly, I looked fairly ridiculous in ten year old clothes (clothes with the gaudy style of the seventies - plaid bell bottom pants, etc - wearing them in the mid eighties) but at least I wasn't naked. I think you're neglecting to account for the effects of inflation, as $10 bought a lot more food twenty years ago than it does now, and the mortgage and electric rates you're using in your calculation are overstated. If I remember correctly, our monthly cost for housing was along the lines of $250. Whether or not you believe me, that's the way things were.

      Still a bad decision? Only if you're more addicted to browbeating than you are to life.

      I'm not browbeating, I'm simply stating what appears to me to be the truth.

      You've got a social disadvantage, due to your disfigurement. That disadvantage would obviously make it harder for you to do something like get a part time job, to cover your expenses, so perhaps you're right at least in regard to your personal situation - perhaps you couldn't make basic living expenses without using credit. However, even if that's so, the root cause of that is a social disadvantage, not an economic one, nor is it due to the credit card companies being out to get you. Simply put, I think you're assuming that factors affecting you affect everyone else - you're assuming most other people with high debt got there because they covered basic expenses on their card, as you did. That's understandable, as perception is always colored by personal experience, however, that is not proof that all or even a statistically significant portion of the population is in excessive debt due to credit company manipulations.

      All the statistics I've seen do not correlate well with your conjecture. The median credit card debt for households with at least one card is $1,900, in stark contrast to your $8,000 average figure, showing that it's not a normal curve, but highly weighted towards the end (there's a few higher balances bringing the average up).

      But we'll look at figures that might support your conjecture. 13% of those who have $10k or more in debt make less than $30,000 a year. (I'd prefer to work with the 8k number, but the statistics given only show the $10k balance). That could be support, however, that's somewhere around one percent of the population, which may not be statistically significant.

      Now, if you go find the figures that show what percentage of the population has an income under $30k, and it's not massively greater than the percentage of the population that have a $10k debt on under $30k of income - if it approximately matches or is otherwise a statistically significant number in relation to the one percent of the population that has that much debt on $30k of income, I'll concede that there may be something at work here beyond personal mispending or cases like yours where personal misfortune may have contributed. Or if you find the figures that show what percentage of those with an income of under $30k have debt of $10k (or $8k) and it's a significant portion. (Note that this is quite a different figure from 'the percentage of those with $10k (or $8k) in debt that make less than $30k a year"

      So far, all you've brought to the table is a figure ($8k average debt) that actually means nothing in the context of the question. Here's your chance to prove your point - you're making the claim, it's up to you to p

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    145. Re:Good God... by maximilln · · Score: 1

      However, even if that's so, the root cause of that is a social disadvantage, not an economic one

      Is this a troll? The root cause was that a RESPONSIBLE decision was made to provide for my college education and, because of it, I was ineligible for the same levels of tuition assistance which everyone, including you and people from more affluent backgrounds, would be eligible for.

      It's the hallmark of a scam. Have you not heard of corporate welfare? It's an economic advantage which favors those who can hide their wealth over those who plain don't have any when it comes time to make a major purchase. Consider a purchase of $100k. If a person makes $100k, and has saved $5k, then they qualify for a 30% subsidy and a low interest rate because, while the loan amount is 65% of their income, banks recognize that a person making $100k has more expendable resources. If a person makes $30k, but has managed to save $80k, then they qualify for no subsidy and a high interest rate because the loan amount is 66% (1% is a lot in the banking industry) of their income and a person at $30k needs almost all of that just to live. Now the guy making $30k is not only paying the taxes (which provide for the 30% subsidy for the affluent neighbor, who is also paying taxes but is getting his taxes returned to him through a roundabout) but is being stripped bare by the high interest rates on a $20k loan. For the same purchase. The financial industry works this scam over and over and over throughout society every day and people buy into it because they don't spend their lives figuring numbers the way insurance companies, lenders, and large corporations do. While the system is larger and more complex today it still functions the same as the coal mining camps: the company consistently paid the workers on average just a little less than they needed to keep them indebted to the company store. Even better if the company could take in a government subsidy for their social contribution of industry and jobs.

      Like I said. If I knew then what I know today I would've skipped college, put down cash on a house, and plunked the remainder in the bank.

      While I've been attempting to make this point, again and again, you constantly turn this into a "my life was harder than yours" argument. Please. Can we focus on the numerical pyramid scheme?

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    146. Re:Good God... by void* · · Score: 1

      The root cause was that a RESPONSIBLE decision was made to provide for my college education and, because of it, I was ineligible for the same levels of tuition assistance which everyone, including you and people from more affluent backgrounds, would be eligible for. ... Like I said. If I knew then what I know today I would've skipped college, put down cash on a house, and plunked the remainder in the bank.

      Look, you didn't sign a contract when you were born stating that you had to get the same levels of economic help as everyone else. You didn't sign a contract stating that you had the absolute right to go to the school you did. Period. If you didn't qualify for them, you could have waited a couple of years to go to college, until you were old enough that your parent's paper ownership of two houses would not be a factor. You could have worked during that period, and saved up money for living expenses. You could have chosen a school where the academic load was lighter, so you could have made the grades easier with a part time job. You could have, as you say, put a down on a house and thrown the remainder in the bank. If you didn't calculate out how much money you needed beforehand, you can't blame that on anyone but yourself. All I'm saying is that once you made the choices you did, I can understand how your disfigurement would have made things hard.

      While I've been attempting to make this point, again and again, you constantly turn this into a "my life was harder than yours" argument. Please. Can we focus on the numerical pyramid scheme?

      Bring the figures I asked for to the table. Until you do that, you're merely ranting.

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    147. Re:Good God... by maximilln · · Score: 1

      If you didn't qualify for them, you could have waited a couple of years to go to college

      I've avoided being blunt. I'm no longer going to avoid it.

      BULLSHIT. The fact that we made responsible decisions to fund my college would have always worked against me. The majority contributing factor was assessed need. Since I had a college fund, I had no assessed need. Since I had no assessed need, we were paying taxes to subsidize tuition assistance that everyone, including much more affluent families were eligible for, that I was not eligible for.

      As usual, smart decisions made by a frugal family was used against them by the financial institution.

      It's a scam, and you can kiss my ass if you think you're going to browbeat me about debt that I incurred for living expenses while more affluent families had those living expenses subsidized by every poor mother paying taxes to swab toilets.

      If you didn't calculate out how much money you needed beforehand, you can't blame that on anyone but yourself

      BULLSHIT. My admissions office told us straight up that they figured an average of $200/mo for students for "basic living expenses", even if they lived on campus and ate at the campus cafeteria. While everyone, including more affluent families, were eligible for TAXPAYER SUBSIDIZED tuition assistance that would help offset this amount, I was not. Why? Because my parents made an INTELLIGENT decision to try andprovide for my college education 16 years in advance. It stinks like last year's shit of a pyramid scheme.

      I spit on your defense of such a biased system.

      You could have chosen a school where the academic load was lighter, so you could have made the grades easier with a part time job

      Why would you choose to go to a community college with a half-assed educational record if you could qualify for a premier national institution? Answer: You wouldn't.

      You could have, as you say, put a down on a house and thrown the remainder in the bank

      BULLSHIT. At 18 years old I actually had some faith in the system. I didn't think that the financial industry was out to rape everyone who had worked their lives to save to get ahead.

      Bring the figures I asked for to the table.

      I already did. College education: $100k. Consider a purchase of $100k. If a person makes $100k, and has saved $10k, then they qualify for a 30% subsidy and a low interest rate because, while the loan amount is 60% of their income, banks recognize that a person making $100k has more expendable resources. If a person makes $30k, but has managed to save $80k, then they qualify for no subsidy and a high interest rate because the loan amount is 66% (6% is a lot in the banking industry) of their income and a person at $30k needs almost all of that just to live. Now the guy making $30k is not only paying the taxes (which provide for the 30% subsidy for the affluent neighbor, who is also paying taxes but is getting his taxes returned to him through a roundabout) but is being stripped bare by the high interest rates on a $20k loan. For the same purchase.

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    148. Re:Good God... by void* · · Score: 1

      My admissions office told us straight up that they figured an average of $200/mo for students for "basic living expenses",

      And you did not figure out a plan to adequately cover those expenses?

      You went to a school, where you knew beforehand that you could not make basic living expenses on just a summer job, and you did nothing to mitigate that. You could have chosen a less expensive school, and used some of your fund money to cover those expenses. Your mere assertation that you could not does not change the (now admitted fact) that you knew beforehand what you were getting into, and did not act to keep yourself out of debt. The figures you give for the cost of education are irrelevant, you chose to go to that school, when you could have chosen to go to a less expensive school and had an easier time.

      Millions of students are faced with these decisions every day - and they pick a school they can afford. You made a bad call. It's that simple.

      You'll get no sympathy from me.

      I already did.

      You have not. If your conjecture were true, we should see a large percentage of the population that has an income of under $30,000 with debt of more than $8k. You have not shown those figures at all, you know those were the figures I asked for, and it's disingenous of you to say that you've brought figures relevant to the question, when all you bandy about is "$8k average debt" and "College education: $100k"

      If you couldn't afford a $100k college education, you should have picked a different school. Millions of people (like myself) couldn't afford college at all, and didn't go, rather than get into debt. You had a college fund, you could have gone to a school where the cost was $80 or even $90k and come out without $7k in debt. Yet you expect me to have sympathy for you, when the cost of a college education was so beyond my reach that it wasn't an option at all? Cry me a river.

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    149. Re:Good God... by maximilln · · Score: 1

      And you did not figure out a plan to adequately cover those expenses?

      Sure, I figured that I would be eligible for the same amount of financial aid as other people in my families' income strata. Even considering that I had a college fund, what's $1800/yr compared to an overall $100k expense? The propaganda department more than assured us that, after graduation, the debt amount would be trivial.

      that you knew beforehand what you were getting into, and did not act to keep yourself out of debt

      Another hallmark of a pyramid scheme. The advertising always runs,"Sure. You may go into debt to sign up, but the potential profits after completing the program will more than offset the balance." When this kind of scheme is played on college education, which even Bush agrees that every American should have access to, it is nothing short of predatory.

      Millions of students are faced with these decisions every day - and they pick a school they can afford. You made a bad call. It's that simple.

      Bullshit. Millions of students every day are eligible for the types of tuition subsidies which leave them with enough money to live.

      You'll get no sympathy from me.

      This isn't about sympathy. This is about you finally admitting that the system which subsidized your arguments is working to keep a significant portion of the nation in debt so as to continue subsidizing good little lemmings like yourself.

      Millions of people (like myself) couldn't afford college at all, and didn't go, rather than get into debt

      Of course not. You chose to go into a military system which has worked out, on paper, for hundreds of years, the amount of subsidy that it takes to keep its soldiers above the debt line.

      You had a college fund, you could have gone to a school where the cost was $80 or even $90k and come out without $7k in debt

      If you could've (*snicker* but you're an average dumbshit, aren't you?) qualified for and afforded to attend a premier university, even given a $2k/yr debt, you would've jumped at the chance thinking,"When I graduate the benefits of a premier institution will more than be able to pay back the trivial debt."

      --
      +++ATHZ 99:5:80
    150. Re:Good God... by void* · · Score: 1

      Sure, I figured that I would be eligible for the same amount of financial aid as other people in my families' income strata.

      Failure to verify this assumption was your first mistake.

      Where are the figures I asked for, supporting your assertation? You keep dodging giving them ...

      Oh, right ... the median income is a little bit over $42k a year, meaning that half of Americans have an income less than that, so it's highly unlikely you can show that that one percent of Americans with significant credit card debt and an income of under $30 is a significant portion of the percentage of Americans that have an income of under $30k.

      Again, in stark contrast to your company store example, where there was actually an injustice being committed, and most employees were heavily in debt to the company.

      So you keep dodging the question - you're sure you right, and any bit of data that shows you may not be, you refuse to accept.

      You refuse to argue the facts. You simply assert that because you chose a college education costing X, and you came out of four years with Y debt, that your debt is somehow unfair. That would only be true if you did not have other options, and you've admitted yourself that you did.

      Unless you bring real figures, as I have, into the discussion, this conversation is over.

      --


      Code or be coded.
    151. Re:Good God... by maximilln · · Score: 1

      Short and simple:

      While ou were in the military, my taxpayer dollars subsidized your punk-butt.

      Name one point in my life when your money has _ever_ subsidized me.

      The financial system is biased.

      --
      +++ATHZ 99:5:80
  42. Education by shfted! · · Score: 1

    Why not learn how to do it yourself? http://www.phrack.org/show.php?p=47&a=19

    --
    He who laughs last is stuck in a time dilation bubble.
  43. Won't this cost the telcos? by erick99 · · Score: 5, Insightful
    If this enjoys wide-spread use, then a great many people will simply ditch CallerID. After all, it won't serve much purpose anymore since any number could be anybody. This would cost the telco's some revenue as folks (like me) cancel CallerID service.

    I would simply go back to an answering machine that screens my calls and pick up the line when I recognize the voice, as I did before CallerID.

    Cheers,

    Erick

    --
    http://www.busyweather.com/
    1. Re:Won't this cost the telcos? by BP9 · · Score: 1

      I've long considered callerID as reliable as the From address in SMTP -- much of the time its useful but you sure can't trust it. Back before the spammers really caught on it was pretty common at places I ran for mgmt (and some of my fellow engineers even) to believe there was some sacred guarantee on the From: address, its as sacred as the return address on a piece of postal mail and IMO so is caller ID.

    2. Re:Won't this cost the telcos? by stratjakt · · Score: 1

      Nah, I don't see it really screwing with Caller ID for the average Joe.

      I pseudo-screen my calls sometimes. The phone rings, and I glance at it. I see it's my buddy Dave so I pick up.

      Now, some a-hole, lets call him Phil, could "prank" me with this service, and make me think it's dave. Hee hee. I pick up the phone, it's not Dave, "Ha ha phil you're really funny now fuck off". I hang up.

      I could see how it could be used to harass someone, but then so could so many other services. And either way, I don't see how it stops the call from being traced. Quite the opposite, this company would have a log of all the calls, and the actual phone numbers on either end. A judge could subpoena that in a harassment or stalking case with no problem.

      Now of course, find payphones that can be "called back" (hard to find these days), and access the service through your cell-browser.. Seems like much more work than the venerable flaming bag of dog-shit, though. A lot of hoops to jump through to make nasty phone calls.

      --
      I don't need no instructions to know how to rock!!!!
    3. Re:Won't this cost the telcos? by IronChef · · Score: 1

      If this enjoys wide-spread use, then a great many people will simply ditch CallerID.

      I never bought into it, because it is EIGHT BUCKS A MONTH to get it on my land line. I'm not in the poorhouse, but it just isn't worth that much to me. For $2, I'd do it.

      I always figured people who bought CID were the same folks who were happy spending $0.75/use for *69, or $1/use for premium directory information, etc.

    4. Re:Won't this cost the telcos? by Kreigaffe · · Score: 1

      Actually, I *did* have CID for $2/month, and a whopping $5 for the little box thinger. Was great actually, the first telemarketing call my roommate and I got in our new place.. she came and woke me up at like 9am after a hard night of hard drinking to discuss it. Which didn't take very long. "Sure" "Ok yeah send that" Zzzzzz It's nice just because a lot of people don't leave messages, and you can see how long ago someone called. And how often. Or maybe you're just too drunk to talk to your parents. That's a win, right there.

      --
      ... still waiting for this free-as-in-beer free beer I keep hearing about. :|
    5. Re:Won't this cost the telcos? by Luchio · · Score: 1

      If this enjoys wide-spread use, then a great many people will simply ditch CallerID. After all, it won't serve much purpose anymore since any number could be anybody.

      This won't get wide-spread use because it's mainly for crooks, and there ain't that many crooks interested in phone number spoofing. (well I hope so!) Most people you know wouldn't do this.

  44. *67... by Anonymous Coward · · Score: 0

    this service is only good if you want to trick somebody; which has its purposes too.

    if you want anonymity, dial *67 before your call. most phone companies in the US offer this as a way of blocking caller id.

    1. Re:*67... by Overzeetop · · Score: 1

      Oddly enough, I received an unsolicited fax a while back offering to send me valuable information for donating to worthwile companies. I just needed to sign on the bottom and fax it back.

      This was, of course, and unsolicited fax trying to get me to open the doors to a fax-spam-a-thon. What I found interesting is that the number dialed (according to the fax header) was *67 [my number] and thier fax number in the header was blank.

      If I weren't so busy, it would have been fun to hunt them down.

      --
      Is it just my observation, or are there way too many stupid people in the world?
  45. Band-pass filter by Have+Blue · · Score: 1

    I presume that caller ID is sent through a signal on the line which is inaudible to humans but which is picked up by the phone or the central switchboard, and that this service works by transmitting their own fake signal to overwhelm the phone company's attempt to do so. Couldn't this scheme (and various other schemes that involve abusing the phone network like the various colored boxes) be defeated simply by placing a filter on the incoming audio signal that will only pass the range of human hearing? Then the control signals could be transmitted by a device attached further along the wire before being sent on to the phone company.

    1. Re:Band-pass filter by kidgenius · · Score: 1

      Just don't buy caller-id with your phone service if you don't care about receiving caller-id info.

    2. Re:Band-pass filter by Have+Blue · · Score: 1

      I mean the audio picked up by the phone's microphone being transmitted into the phone network.

      If I do pay for caller-ID service, I don't think it's unreasonable to demand that it be accurate (why should people be able to call me anonymously if I have the desire and means to prevent it?) and that the phone company make efforts to keep it that way.

    3. Re:Band-pass filter by mcmasuda · · Score: 1

      Your presumption is incorrect. The caller ID info is sent by your local switch to your phone between the first and second rings. This is before the circuit is completed so there is no chance for the calling party to "overwhelm" the telco's signal.

      They're doing it by altering the number sent by the originator. PBXs have the capability to report the calling number for outbound calls (so that the correct extension shows up on Caller ID) and that may be what's used here.

    4. Re:Band-pass filter by kidgenius · · Score: 1

      Because there is a perfectlly good reason for having caller id info that is not 100% accurate

    5. Re:Band-pass filter by Brianwa · · Score: 1

      No, I am pretty sure the signal is audible.

  46. MOD PARENT DOWN by Anonymous Coward · · Score: 0

    else clause does nothing and is therefore not needed. Mod parent down for providing useless code.

    1. Re:MOD PARENT DOWN by Nuttles · · Score: 1

      dude, the code was for educational purposes and therefore such things should be overlooked because it was intentionally put there for just that reason. Of course in real code I would of thrown a goto in there among other things...man

      Nuttles
      Saved by Grace

  47. I just dont pick up by prostoalex · · Score: 1

    Unless the caller ID shows someone I know, I just dont pick up. If it's a useful call and they leave a message, I will call them right back. Otherwise my answering machine kicks in.

  48. One way to do it by Anonymous Coward · · Score: 5, Interesting

    My daughter and her friends figured out a way to do this years ago. Here's the scenario:

    Amy is supposed to be having a sleepover at Beth's house, but instead is spending the night with her boyfriend Carl.

    Dad calls Beth's house to speak to Amy. Beth says, "Oh, Amy's in the bathroom. I'll have her call you back when she gets out." A minute later, Dad's phone rings, Beth's number displays on the Caller ID, and Amy's voice is on the line. Dad is satisfied that Amy is at Beth's house. Wrong!

    What happened is that after speaking to Dad, Beth calls Amy at Carl's house, initiates 3-Way Calling back to Dad's number, then hangs up as soon as Das picks up the phone. Amy (at Carl's house) is on the line, but it's Beth's number on the Caller-ID because that's where the call originated from.

    I have gray hair.

    1. Re:One way to do it by Anonymous Coward · · Score: 0

      So.... what you're telling us is that your daughter is a tramp?

    2. Re:One way to do it by karnal · · Score: 1

      Damn, wish I had known that trick when I was younger. Of course, that's back when Caller-ID and 3-Way calling didn't satisfy my parents.

      They were upset at the amount of time it took me to call back, since I must have been on the toilet for over five minutes... they knew better, and had me come home.

      Funny thing is, they never really asked me where I was. Just made me stay home.... no questions asked...

      The next time, I "stayed" at a friend's house whose number or name they didn't know. Mom even told me that she forgot to ask me what his number was after the fact.... *grin*

      Oh, to be a teenage male seemingly in love.... And her parents were home every night as well... they just didn't know I was there HAAHAAHAAA!!!!

      --
      Karnal
    3. Re:One way to do it by Anonymous Coward · · Score: 0

      Obviously you don't beat your children enough.

  49. Very easy by Punk+Walrus · · Score: 5, Interesting
    Dude, we used to do this all the time when I programmed for call centers. The ANI (telecom term for caller ID) was programmed at the Layer 2 level, and like a MAC address was easy to change. We usually used ANI via a software bridge to simultaneously launch a trouble ticket indexed via phone number, but there was always the issues with Pay Phones, Hotels, or companies that hid the originating ANI behind a PBX (i.e., for security).

    So, sometimes, we changed the number enroute so that it would launch a new ticket window instead of a ticket with 20,000 IDs all indexed to the same phone number. We just marked it with a random number that let the techs know this was not their real home phone, and thus, had to ask for a callback number if needed.

    We also had hackers that did this as well, like one guy in Vancouver who hacked the ANI so he could make illegal and harrassing long distance calls in the US using a US 800 number that would, in theory, make the call unbillable.

    Then there's the mysterious 604 number that people get from time to time...

    1. Re:Very easy by Anonymous Coward · · Score: 0

      Mysterious? What are you, a moron? Did you even read the thread on the mailing list? It's a Vancouver, BC (Canada) number originating from a Telus exchange (the major landline/cellular company in BC). If you are getting numbers from a 604 area code with the 550 exchange, chances are it's simply a call routing through the Telus network.

      Moron.

  50. This is great by KatTran · · Score: 1

    I have always hated caller ID every since it has existed, because people always assume that the name of the person on the caller-id is the person that is calling them, and this is not true. All caller-id tells you is what phone is being used to call you, it tells you no information about the person that is using that phone (except maybe where they are physically located).

    Now, hopefully people will stop answering there phone "Hello Bob" when they see that the phone number that is Bob is paying for is being used to call them.

    Caller-ID should be more accurately titled, "source phone number id", it's the difference from using an IP address to identify a user and using pidentd to identify a user.

    I have to stop typing now, I'm getting so angry just thinking about how evil caller-id is, not because of the technology used, but because of the assumptions that users of the technology make.

  51. Here comes the FTC by BCW2 · · Score: 1

    The main ones that will use this with joy are the telemarketwits who want to bypass the Do Not Call list. The federal lawsuit will probably be filed in a week.

    --
    Professional Politicians are not the solution, they ARE the problem.
  52. This has a legitimate use by blueforce · · Score: 3, Interesting

    I don't like the thought of goofballs mucking around with the service either but I can see legitimate uses for it.

    Take a look at some of these nifty caller-id features such as "Prevent Your Number from Displaying on Caller ID" or "Caller ID with Anonymous Call Block"

    Suppose your phone number is unlisted and typically shows up as "Anonymous" or "Unavailable" to caller ID. Now suppose the recipient of your call has Caller ID with Anonymous blocking. You can't get through or, with some services, you have to leave your name at the tone and hope they pick-up and decide to take your call.

    It would serve as a way to make your own number show up when you want it to but otherwise remain anonymous and not defeat the purpose of having an unlisted telephone number.

    --
    If you do what you always did, you get what you always got.
    1. Re:This has a legitimate use by dougman · · Score: 2, Informative

      All phone companies offer a way to turn on and off this (and all other) features. With my local telco we dial *82 then the number to allow the caller id information through. I still don't see a legitimate use for this service. Cool hack, maybe. Useful, not from what I've seen.

    2. Re:This has a legitimate use by Anonymous Coward · · Score: 0

      You can dial "*82" to allow your number to show up in caller ID for the current call if you have your number globally blocked from being sent.

    3. Re:This has a legitimate use by Anonymous Coward · · Score: 0

      You can already cause your number to display if blocked by dialing #XX (probably differs by company) before you place a call.

    4. Re:This has a legitimate use by Anonymous Coward · · Score: 0
      I don't like the thought of goofballs mucking around with the service

      Are you kidding me??? Do you know how much mucking around with POTS/PBX we (greyhats) have been doing since the 80s? omfg my "friends" used to pick discarded telco equipment out of the dumpster, and with social/technical trix become just about any phone number (get your own 1-800); reroute call priority to always win prize giveaways on radio competition; spoof, whatever. Lots of fun before SS7

      Anyway, what I'm getting at is that the true goofballs will always be mucking around. So why not give regular people a way to protect their privacy when making a phone call? Think the vulnerable here, maybe kids, or women (not to sound sexist) but I could see many excellent uses for protecting privacy and safety.

    5. Re:This has a legitimate use by jdray · · Score: 1

      We've got Caller ID with Anonymous Call Blocking on our phone line, and if someone with Caller ID Blocking calls us, they're asked by a voice prompt to enter the number they're dialing from. They can enter any number they want, but since they're usually lazy and only ever enter "111-111-1111," then we can tell it's someone we don't want to talk to. Friends and family call our cell phones.

      --
      The Spoon
      Updated 6/28/2011
    6. Re:This has a legitimate use by blueforce · · Score: 1

      I'm aware of the *Whatever to un-block the caller ID but it won't necessarily solve all of the problems. Caller ID (at least where I live) generally sucks (some folks have Ameritech/SBC as their local telco and some have Verizon.)

      Just an example - My wife works at a local college. It doesn't matter what phone she calls from, what time of day or if the planets are aligned - it always shows up as "Unavailable". My phone number is listed but it shows up to some of my friends as unavailable. Some of my friends have the Anonymous blocking and my telephone number should show up but doesn't so the pre-recorded voice comes on and asks me to state my name then it will ring through as their "Privacy manager".

      I'm not saying it's the greatest idea in the world but if it works, who cares? You can use a screw driver as a pry bar too.

      --
      If you do what you always did, you get what you always got.
  53. I used to to credit before IT by onyxruby · · Score: 4, Interesting
    I did credit before getting into IT. If collection companies do this they will run headlong into FDCPA problems. Attorney Generals love to stick it to collection companies (and they often deserve it), and won't hesitate to nail any collection company that does this to the wall.

    Standards for honesty for any method of a collection company presenting itself are very strict. Wording of exactly what can be said is drilled into collectors. You can't claim to be an old college buddy, a cop, lawyer, or anything else to try to get someone on the phone. If you can't tell someone a lie like that, I don't see how telling a lie by caller ID would be any more allowed.

  54. Spoof all they want by AndroidCat · · Score: 1

    They're still going to talk to my IVR answering program unless they spoof a very small list of numbers. But just in case, I think I'll block the White House number.

    --
    One line blog. I hear that they're called Twitters now.
    1. Re:Spoof all they want by DirkDaring · · Score: 1

      Step 1. Collection agency checks their jabillion sized database for your moms, sister, friends, people who call you often, etc number.

      Step 2. Collection agency calls you on that number.

      Good luck with that IVR system there, AndroidCat.

  55. Free Long Distance? by Paladin814 · · Score: 1

    Here is another use of this service as long as it is Free. If you just enter the number you wish to call, and then the system calls you back, couldn't you just use this for Free Long Distance???

  56. Great by Anonymous Coward · · Score: 0

    Now I when I make creepy calls to people, it will be easy to make it look like The call is coming from INSIDE THE HOUSE!

  57. How'd you find out? by revscat · · Score: 1

    How did you figure out you were being spoofed?

    1. Re:How'd you find out? by Anonymous Coward · · Score: 5, Interesting

      Amy was spending waaaaaay too much time in Beth's bathroom. ;-)

      Actually, Beth's mother got pissed at the number of 3-Way Calls on her bill, and demamded that I pay for some, since they involved my number -- as well as Carl's.

      From that point, it didn't take long to figure it out.

    2. Re:How'd you find out? by Anonymous Coward · · Score: 0

      So, where did you hide the bod[y|ies]?

  58. Stupid by Vampyre_Dark · · Score: 0

    "Sir, we have a 1337 dude" on line one." So what are the phones companies going to do after this goes into wide usages? Call the service Caller-Maybe? It rhymes.

    1. Re:Stupid by Vampyre_Dark · · Score: 0

      Also, how long before some Linux guy calls in as Bill Gates, and transfers all funds to Linus?

  59. Account Signup by RalphBinaca · · Score: 2, Funny

    Star38.com claims it will screen subscribers, and initially make the service available only to licensed private investigators and collection agencies.

    I'll pay someone $10 who has an account so I can call the service and sign up as Ralph's Collection Agency. (or do they know better than to rely on Caller-ID for indentifying new accounts?)

  60. Amazing, what's next by MobyDisk · · Score: 2, Funny

    People being able to spoof email addresses? Or fake the return address on an envelope? Or print fake IDs! Oh no, club owners beware, that young looking 46 year old might really be 13! And that official looking envelope may not really be from that swiss bank in Europe. And yes, hotgirl69@yourfavoriteISP.com might really be your wife!

  61. Grim Reaper, line 1 by nycmaddog · · Score: 1

    Hell(666) 666-6666 Can only be a matter of time before it shows up in a "B rated" horror flick.

  62. Caller ID vs ANI by rayd75 · · Score: 1

    It's worth noting that caller ID and ANI are two separate technologies. Most toll free and "important" business / government agency lines use ANI, not caller ID. I seriously doubt that this service has any effect on ANI.

    1. Re:Caller ID vs ANI by east+coast · · Score: 2

      I seriously doubt that this service has any effect on ANI.

      Perhaps not but I don't see this technology as much different than having a falsified ID (let's say drivers license) and claiming it's used to "protect my identity". And the fact that this is a utility service it may also be under the same jurisdiction of forgery. After all, if someone calls you telling you that they're from AT&T, Visa or the US Government and they're not isn't that also fraud? Caller ID should be held upto the same standards as it is a trusted form of identification. Or perhaps Bell will have to change it's EULA on caller ID at the very least if this is legal.

      --
      Dedicated Cthulhu Cultist since 4523 BC.
  63. MPAA conspiracy theory by kb9vcr · · Score: 3, Interesting
    I was wondering how the MPAA was going continuing making horror films!

    Every time a killer taughted his victim over the phone you'd know right away who John Q. Killer was but, leave it to the MPAA and their crafty ways to secretly fund this anti-Caller ID technology....

    ...Who else is looking forward to a "Scream 4: keep on screamin'"? ;)

  64. Is this even legal? by nurb432 · · Score: 1

    Its legal to hide your number, but its it legal to 'forge' your number..

    I guess the FCC would need to be called..

    --
    ---- Booth was a patriot ----
    1. Re:Is this even legal? by psyconaut · · Score: 1

      Many businesses do this all the time....they either use a number that doesn't accept inbound calls, or deliberately use a number that doesn't exist.

      Is it illegal? Very doubtful as CLID is a 'convenience service' and not a regulated or tariffed service of any sort.

      -psy

    2. Re:Is this even legal? by stratjakt · · Score: 1

      Yeah, it's legal. Depends how you use it, of course.

      It's illegal to, for instance, impersonate a government official or law enforcement officer. If you spoofed the local PDs number, then identified yourself as a cop, you're comitting a felony. The service really has nothing to do with it, you could be calling from the payphone in the PD's lobby.

      Likewise if you use it to make harassing phone calls, etc.

      Of course, anyone who used this to do such things would be a true moron, since this company obviously keeps a log of the actual phone numbers at either end, and those records could be easily subpoenad.

      Like P2P or handguns, the device/service isn't illegal, but the way it's used may be.

      --
      I don't need no instructions to know how to rock!!!!
    3. Re:Is this even legal? by dnaboy · · Score: 2, Informative
      According to this, wire fraud requires

      First: That the person knowingly and willfully devised a scheme to defraud, or for obtaining money or property by means of false pretenses, representations or promises; and Second: That the person knowingly transmitted or caused to be transmitted by wire in interstate commerce some sound for the purpose of executing the scheme to defraud.

      but... it goes on to state

      It is not necessary that the Government prove all of the details concerning the precise nature and purpose of the scheme; or that the material transmitted by wire was itself false or fraudulent; or that the alleged scheme actually succeeded in defrauding anyone; or that the use of interstate wire communications facilities was intended as the specific or exclusive means of accomplishing the alleged fraud. What must be proved is that the person knowingly and willfully devised or intended to devise a scheme to defraud; and that the use of the interstate wire communications facilities was closely related to the scheme because the person either wired something or caused it to be wired in interstate commerce in an attempt to execute or carry out the scheme.

      Smells like wire fraud to me...

  65. Won't work on me by dfn5 · · Score: 4, Funny
    My phone blocks all callerIDs that are not PGP signed.

    --
    -- Thou hast strayed far from the path of the Avatar.
  66. New Slogan . . . by Goobermunch · · Score: 1

    When PBX equipment is outlawed, only outlaws will have PBX equipment.

    --AC

  67. Score 5: Interesting? RTFA by tgd · · Score: 5, Informative

    Its not a free service, its 25 cents to initiate the call and 7-14 cents per minute.

  68. This is really dangerous in a lot of ways... by dnaboy · · Score: 4, Interesting
    This has trouble written all over it. As mentioned a million times throughout the comments, there is a huge risk in terms of people using, what is by definition, wire fraud, to get credit cards etc...

    I think there's another risk here though, which is less stated. This service is to go live Sept 1st, from the web site. Unless it's on a minimal page after getting /.ed, I couldn't find any link to terms and conditions. What exactly are you submitting to when you use this? Is your information safe? Keep in mind, the call is routed through their system. Right now, until I see T and C which specifically states that my information is priviledged and cannot be listened in on or used against me, I can only assume it will be. They must have some concept of how they intend to make money.

    Also, who's liable for the damages WHEN (not if) someone uses it to commit a crime? This company, I can forsee turning anyone over at the drop of a hat. They're going to have a hard time pleading the internet provider's argument that they are merely the conduit (and therefore not liable for the actions of individuals on their networks), since there is little or no use for the system for legal ethical purposes.

    1. Re:This is really dangerous in a lot of ways... by Detritus · · Score: 1

      Police detectives use stuff like this quite often for legitimate purposes. You don't want to place an order with the neighborhood drug dealer and have the police department's phone number show up on the dealer's caller ID.

      --
      Mea navis aericumbens anguillis abundat
    2. Re:This is really dangerous in a lot of ways... by Anonymous Coward · · Score: 0
      Engaging in entrapment is a "legitimate purpose" now?

      ~~~

    3. Re:This is really dangerous in a lot of ways... by cexshun · · Score: 1

      You mean all I have to say is

      As mentioned a million times throughout the comments

      And I won't get modded redundant? WOW!

    4. Re:This is really dangerous in a lot of ways... by Detritus · · Score: 1

      It isn't entrapment if the target's occupation is full-time drug dealer.

      --
      Mea navis aericumbens anguillis abundat
  69. Phew! by cttforsale · · Score: 1

    I'm so happy I don't have caller ID!

  70. VoIP/Spoofing/and other by Anonymous Coward · · Score: 3, Interesting

    This "service" won't last long. This was brought up on a Telehpreak.org conference (shameless plug). There's better ways to do this _with_ VoIP. It's much easier to go down to my local store (with cash), by a pre-paid Visa card with any name I want. Then, use that card to signup with a VoIP server (Voicepulse, Vonage, etc). Then, using the fun of Asterisk, set my caller ID to anything I want. No ANI [it's VoIP], spoofed caller ID, and anonymous.

    We actually thought about setting up a similar type of service (more of a concept service, really) to allow CID spoofing. After much discussion, between ourselves and the EFF, we decided that it wasn't a very smart thing to do.

    http://www.telephreak.org

    1. Re:VoIP/Spoofing/and other by Uneasysilence · · Score: 1

      I'm sure the service won't last... Unless it is VERY much offshore

  71. ICLID, ANI, name lookup, tephone cumpnies etc. by FrankHaynes · · Score: 5, Informative

    The telemarketing scumbags have been masking their identities for quite some time without this 'service' so I am just finishing yawning over the article, which has a few inaccuracies that I correct below.

    The ICLID (Individual Caller ID) field is separate from the ANI field in the SS7 message. Depending on your tariffs you might or might not be able to stuff the ANI field; you almost always can stuff the ICLID field with whatever nummer you want.

    What the other end displays is not always consistent across the various operating companies and carriers, so don't go strutting around like you've pulled the wool over everyone's eyes just yet.

    Further, the name lookup that you see on your display is performed by the terminating switch (serving you), so you can't spoof that. Of course, if you spoof John Q. Smith's nummer it will usually show his name, unless he is not a subscriber of your local tephone cumpny; in that case you get nuttin and like it. Even that is subject to variations due to interexchange agreements.

    All in all, this service does not meet the technical neatness test, can't overcome the stupidity and ineptness of the various carriers, and is just a jolly good way for somebody to make some extra bucks. It's probably easier just to go down to 7-11 and use their coin box and get it over with.

    Have fun!

    --
    slashdot: A failed experiment.
    1. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by SillyNickName4me · · Score: 3, Informative

      > The telemarketing scumbags have been masking their identities for quite some time without this 'service' so I am just finishing yawning over the article, which has a few inaccuracies that I correct below.

      There is a HUGE difference between hiding your number and displaying a number of choice. In many cases I will not answer calls when the number is hidden, I will usually take calls from 'known' numbers no matter what.

      > The ICLID (Individual Caller ID) field is separate from the ANI field in the SS7 message. Depending on your tariffs you might or might not be able to stuff the ANI field; you almost always can stuff the ICLID field with whatever nummer you want.

      So you get a decent contract and stuff both.

      > What the other end displays is not always consistent across the various operating companies and carriers, so don't go strutting around like you've pulled the wool over everyone's eyes just yet.

      Given that you do use both ICLID and ANI, you can change what the remote side will display, and as a result can fake the caller id as displayed by that side.

      > Further, the name lookup that you see on your display is performed by the terminating switch (serving you), so you can't spoof that.

      In most cases (maybe not in the USA, but that is really only like 5% of the world) this service is performed by your local TELEPHONE using its internal addressbook, not by the local exchange.

      > Of course, if you spoof John Q. Smith's nummer it will usually show his name, unless he is not a subscriber of your local tephone cumpny; in that case you get nuttin and like it. Even that is subject to variations due to interexchange agreements.

      It can do a couple of things:
      - display nothing (or unknown, unpublished, withheld)
      - display the number with country/state/area numbers stripped off
      - display the number including area code but without state and country code
      - any variation on the above.

      It indeed won't display a name if it has no directory for looking it up (DUH)

    2. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by Anonymous Coward · · Score: 0

      I had to yawn over this, too. It makes no difference to me.

      If I do not personally know the caller, the call is shunted to the answering machine. If the caller thinks her call is important enough, she'll leave a message.

      This simple arrangement weeds out tons of crap calls.

    3. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by mwood · · Score: 3, Funny

      Sounds to me like this has both public-safety and national-security implications. Shut them down.

    4. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by stilwebm · · Score: 1

      > Further, the name lookup that you see on your display is performed by the terminating switch (serving you), so you can't spoof that.

      In most cases (maybe not in the USA, but that is really only like 5% of the world) this service is performed by your local TELEPHONE using its internal addressbook, not by the local exchange.

      On mobile phones, yes the name (or in some cases a picture and/or unique ring) is retrieved from the internal address book. On land lines, few phones have internal address books to look this up in. I gave my telecomm provider (not a baby bell) the exact string to appear for each extension calling from my company's PRI. They program this in to their switches and send it to switches at the destination provider which can decide whether to send it on to the destination line.

    5. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by SillyNickName4me · · Score: 1

      > On mobile phones, yes the name (or in some cases a picture and/or unique ring) is retrieved from the internal address book. On land lines, few phones have internal address books to look this up in.

      Uh? I haven't owned a landline phone without such a phonebook for the last 2 decades, either isdn or pstn. I would not know where to buyt one overhere either. Again.. this might be different in the USA....

      > I gave my telecomm provider (not a baby bell) the exact string to appear for each extension calling from my company's PRI. They program this in to their switches and send it to switches at the destination provider which can decide whether to send it on to the destination line.

      That is a nice feature. I can't order it overhere on a private telephone line tho it seems.

      At any rate... this caller id spoofing might be detectable by looking at the originating exchange in an isdn trace I'd think.

    6. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by SillyNickName4me · · Score: 2, Informative

      > Sounds to me like this has both public-safety and national-security implications.

      Hmm, only when you actually count on callerid being reliable. It has been known for a logn time that it is possible to fake if you want to put in the efford.

      I'd say that it does have implications, but more on a social level then anything else. Your mom trusting the callerid as her phone displays it is one thing.. the DOD counting on it as a security check however would be utter stupidity.

      > Shut them down.

      I agree. This makes the whole concept of callerid a farce, and has quite some social consequences.

    7. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by stilwebm · · Score: 1

      Uh? I haven't owned a landline phone without such a phonebook for the last 2 decades, either isdn or pstn. I would not know where to buyt one overhere either. Again.. this might be different in the USA....

      Everywhere else I've been this seems pretty much the norm for residential lines and business phone systems are similarly limited. I've owned several phones with speed dial or basic phonebooks (name, phonenumber, nothing else) and seen a few with more advanced features, but they are rare, especially when people who demand these features are more likely to spend the money on a mobile phone with this capability. Then again, I am vacationing when I visit other countries, so I don't necessarily hang out with people working from home or in their offices, so I may be missing some of the more advanced phones.

    8. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by SillyNickName4me · · Score: 1

      THat is interesting.

      Rapid dial, phonebook and such have been standard features on about every phone you can buy here and in the neighbor countries (here is the Netherlands, bordering Belgium and Germany).

      Those features in no way depend on your phone service. (altho displaying callerid does depend on the phone service of course, but that is the callerid part, not the phonebook part)

      What is more, the ancient (early 90s) AT&T 5200 cordless phone that I brought from the USA has a (very limited) builtin phonebook (but no display, so no callerid on the handset, and no name display either of course)

      But well, if you say few of the phones used on residential lines in the USA have them, I'll believe you, I can't verify it. It just really amazes me.

      Now, talking about linking callerid to displaying a name from the phonebook might not be that common of course.. wouldn't surprise me since callerid reporting on pstn lines doesn't seem to be standarized that well. For an isdn phone however that is not an issue.

      Anyway, any idea where this difference would come from? are there rules preventing peopel from connectign such phones or are they made artificially expensive or such? (seeing how you get those features in a cheapo 15 euro phone here already)

    9. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by mwood · · Score: 1

      Or the fire department believing that caller-id tells them where to send help.

      If the system is unreliable as designed, it should be repaired. Durn telco is always bothering me to buy caller-id, and I certainly will *not* be buying it until they can prove it's been redesigned and made reliable. The fix might not require *any* change in signalling, only procedures: require by law that (a) telcos MUST NOT lie on behalf of their customers, and (b) IDs received from customer equipment MUST be ignored if they can't be verified.

    10. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by blanks · · Score: 2, Interesting

      OK well I guess while you were yawning you missed the first line : "Implementation quirks in Voice over IP are making it easy for hackers to spoof Caller I.D., and to unmask blocked numbers. " And another quote explaing how they are able to do it. "There are little exploits that you can do," says Lucky. But the most powerful tool for manipulating and accessing CPN data is the open-source Linux-based PBX software Asterisk, used in combination with a permissive VoIP provider. "It's fully configurable, you can pretty much do anything you want with it," says Lucky. "That's why Voice over I.P. is changing things." Next time spend less time yawning and more time reading :p

    11. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by IPFreely · · Score: 1
      From all that, I gather that you don't have much control over what the other end gets in terms of numbers. But I didn't even read the article and I know that they certainly will not ever be able to get your number out of it.

      The user fills out a simple Web form with his phone number, the number he wants to call, and the number he wants to appear to be calling from. Within two seconds, the system rings back, and patches the user through to the destination.

      You bring up the web form, and they dial you up. Your phone rings, you answer, then they call the other end and patch the two calls together. At best, the far end of the call might trace it back to the anonymizer, but they won't be able to get any further than that without a court order.

      --
      There is nothing so silly as other peoples traditions, and nothing so sacred as our own.
    12. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by SillyNickName4me · · Score: 1

      Reliable is quite relative, and with this 'new' thing, callerid got a lot less reliable then it was already.

      It was never designed to be a security feature, more an informational feature.

      Of course, it becomes rather tricky when emergency services start relying on it, and that is definitely something to look at.

      Callerid comes standard with the (isdn) service I have, so well, not much of a choice there.. I'm not sure if I'd have bought the service if it wasn't included already, it is one of those 'nice to have' things

    13. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by jaredcat · · Score: 1

      Actually you can stuff anything you want in the ANI field, the calling party field, dialed number field, etc. This is not illegal, but it is expensive. A "non-jurisdictional" or invalid ANI results in the terminating call be charged at intra-lata rates, which are the most expensive.

      This means a call that normally would cost something like 0.0004/minute + 0.0003 dip to NPAC now costs as much as 0.03500/minute + 0.0003. Some states allow for ridiculously high tarrifs on intrastate and intralata calling.

    14. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by Dun+Malg · · Score: 1
      Or the fire department believing that caller-id tells them where to send help.

      Emergency services use the ANI data. This service just spoofs the CID data. The ANI doesn't change.

      If the system is unreliable as designed, it should be repaired.

      The CID system is purely a value-added service sold to end users, unrelated to billing, emergency services, etc. It's not intended to be taken seriously by anyone needing factual information about the calling party. I think they should be using the ANI data for CID, but for some reason they decided to implement a parallel system that essentially does the same thing, but less reliably.

      --
      If a job's not worth doing, it's not worth doing right.
    15. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by Anonymous Coward · · Score: 0

      "callerid got a lot less reliable then it was already"

      Not really. With small telephone switches becoming more and more affordable, the potential for abuse was already becoming much more ripe. We had an nice little Merlin in a 3 bedroom apt for intercom and voicemail and because my roommate worked for Avaya. He could've pulled all sorts of nasty stuff if he'd have wanted to - the telco that we were using at the time must've been inordinately permissive...

      The caller ID system has basically been a joke for a long long time...

    16. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by Anonymous Coward · · Score: 0

      Your cock is nummer than a dental patient's teef, and yet you get modded Informative.

    17. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by Anonymous Coward · · Score: 0

      But well, if you say few of the phones used on residential lines in the USA have them, I'll believe you, I can't verify it. It just really amazes me.

      Anecdotally, people I know (here in the US) don't want full-featured telephones. Pretty much all non-novelty phones have speed dialing features, but I honestly don't see people owning home phones with LCD displays and fancy address books like cell phones have. Most people seem perfectly happy with a AT&T trimline or cheap cordless.

    18. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by Anonymous Coward · · Score: 0


      I am just finishing yawning over your post, which has a few inaccuracies that I correct below.

      n-u-m-b-e-r
      c-o-m-p-a-n-y
      n-o-t-h-i-n-g

      All in all, this post does not meet the lexical neatness test, can't overcome the stupidity and ineptness of the author, and is just a jolly good way for somebody to make some extra karma.

    19. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by SillyNickName4me · · Score: 1

      > Anecdotally, people I know (here in the US) don't want full-featured telephones. Pretty much all non-novelty phones have speed dialing features, but I honestly don't see people owning home phones with LCD displays and fancy address books like cell phones have. Most people seem perfectly happy with a AT&T trimline or cheap cordless.

      Hmm, but that means no callerid either.. unless you use some seperate device for that.. it has to display somewhere I'd think.

      Ah well, fun to know.

    20. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by arminw · · Score: 1

      If my caller ID shows nothing or a number not on my "answer now list" I always let the answering machine take the call. If the caller starts to leave a message I can hear that and answer the phone if I want to. Therefore, a spoofer collection agency, telemarketer, or other spoofer would have to know a name and number on my "answer now list" in order for me to answer the phone directly. If the caller leaves no message, then that call was not important enough to answer anyway. If they do leave a message I can choose to return the call or not.

      --
      All theory is gray
    21. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by Nogami_Saeko · · Score: 1

      Shrug. I just have an answering machine with the ringer and speaker off that picks up all the calls on my house line. I never answer it, just check messages every few days.

      Anyone I want to talk to knows to phone my cell phone (which is never given out to businesses), so this sort of service really doesn't matter to me in the least.

      N.

      --
      "Nothing strengthens authority so much as silence." - Charles de Gaulle
    22. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by mwood · · Score: 1

      So clamp down. If someone wants to operate a telco, let him abide by rules which at least avoid lying. If the ID comes from a telco, then it is assumed reliable because telcos can be punished for providing unreliable data. If it doesn't, then either throw it away or replace it with known information (they *know* where their pairs go) or mark it as "not known to be reliable". Let the telco extend trust to known trustworthy customers, perhaps, but they should be *required* to withdraw that trust from any customer caught spoofing.

      I would settle for "either blocked or warranted truthful" as the meaning of "reliable" in this setting. Basically I want my telco to promise that, *if* they provide a caller-ID to me, it will be the truth.

      Otherwise, there's a nice business opportunity: build a portable tone-generator crypto-gadget so people can build up their own trust networks with trustworthy, unspoofable IDs. Then we can all stop paying the telcos for caller-ID. They'll be thrilled. But right now, it's their choice.

      (Any SBC employees out there? Feel free to take this idea and run with it.)

    23. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by mwood · · Score: 1

      "[CID is] not intended to be taken seriously by anyone needing factual information about the calling party."

      If it has no meaning then why should anyone pay for it? It's utterly worthless if it can be spoofed. If I can't trust one indication, I can't trust *any* indication and the service loses all value. Cf. the fable of the Boy who Cried Wolf.

    24. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by stilwebm · · Score: 1

      What is more, the ancient (early 90s) AT&T 5200 cordless phone that I brought from the USA has a (very limited) builtin phonebook (but no display, so no callerid on the handset, and no name display either of course)

      Sounds like what I'm thinking of. The upgrades to that have been the ability to store whatever name is sent over caller ID, and perhaps some let you type it in now. For the most part I guess no one goes to the trouble to type in additional info so manufacturers skip the expense of making an input interface on US models.

      Now, talking about linking callerid to displaying a name from the phonebook might not be that common of course.. wouldn't surprise me since callerid reporting on pstn lines doesn't seem to be standarized that well. For an isdn phone however that is not an issue.

      Anyway, any idea where this difference would come from? are there rules preventing peopel from connectign such phones or are they made artificially expensive or such? (seeing how you get those features in a cheapo 15 euro phone here already)


      I wonder if it is a data transmission limitation? My understanding is that this is why cell phones don't receive a name from the caller ID, just a number. It saves connect time. In the US the comptetive local carriers use their own switches for PTSN and more often ISDN/PRI and T1 lines, so they all have different standards for what they display that are usually more complete. The larger bells used to have varying equipment in rural areas but that seems to be more consistent here now. I'm not sure if it's the same in Germany.

    25. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by SillyNickName4me · · Score: 1

      > I wonder if it is a data transmission limitation? My understanding is that this is why cell phones don't receive a name from the caller ID, just a number. It saves connect time.

      Makes a lot of sense to me for cellphones with their limited bandwidth.. A don't see why this would be an issue for landlines, see below.

      > In the US the comptetive local carriers use their own switches for PTSN and more often ISDN/PRI and T1 lines, so they all have different standards for what they display that are usually more complete. The larger bells used to have varying equipment in rural areas but that seems to be more consistent here now. I'm not sure if it's the same in Germany

      Callerid on pstn is a hack, not entirely unlike touchtone, and similar to text messaging over pstn connections. As a result, many providers ended up with similar yet different implementations.

      What I am starting to think is that in the USA callerid was there already before any 'modern' phones became affordable, while overhere it was the other way around.

      When talking about isdn, it would be good to look at bri instead of pri, a business may get a pri, but the average consumer doesn't. If they have isdn, it will be bri.

      bri in Europe is similar but not identical to bri in the USA. A bri in Europe normally consists of 2 64kbit/s, 8bit B channels, and one 19.2kbit/sec 8 bit D channel. Your carrier provides the circuit including a nt1. In the USA, B channels can be 64kbit/sec, 8 bits, but you will usually find either 56k or 7 bit, the D channel however is the same. Usually you have to buy a nt1 yourself. All signalling happens on the D channel, including the sending and reporting of callerid (and short text messages, and heh.. you can actually use it as an alternative (slow) data channel as well, sometimes without any connection fees)

      At any rate, overhere you send the individual caller id yourself (this is so you can select any of the upto 8 numbers that can be connected to such an isdn line) and this is normally checked by the switch your phone is connected to (when isdn was relatively new here, there were many problems due to too strict filtering, ie, must include country code, or must exclude leading zero for area code, and this was different for each telco, and often even different depending on where you connected to a telcos network)

      When looking at a primary rate interface here, we get more D channels, so even more signalling capacity, but also more B channels. Effectively you get 2048kbit/sec. (this is similar to what we'd call an E1, more or less equivalent to what you call a T1, tho a bit faster)

      At any rate... the signalling over isdn is mostly standarized, and when reading a trace, the only real differences I see between a European originated connection and a USA originated connection are the available 'services' (ie: 64kit data, 56kbit data, voice etc). The actual procedure for setting up a connection looks identical.

      At any rate, different European countries have slightly different implementations (ie, in the Netherlands we usually get upto 8 individual numbers connected to a bri so you can address multiple devices individually, in Germany you use an identifier (msn) to signal a specific device on the s0 bus instead)

      The underlying standard however is the same, and while equipment varries in brand and type, it is rather standarized and I haven't seen it cause 'weird' transmission limitations. In fact, on any bri, most of the D channel's bandwidth goes unused, and sending the little bit of extra information would not be any issue whatsoever.

      Making 64kbit data connections from one side of the continent to the other side, using different telcos is normal, you don't get a 56kbit circuit inbetween all of the sudden or other such 'nonsense' either.

      Of course this is all a bit different for pstn, but by now, we happen to have text messaging over pstn here (the Netherlands) as well, so I doubt it would be transmission related that only the number is s

    26. Re:ICLID, ANI, name lookup, tephone cumpnies etc. by amber_of_luxor · · Score: 1

      Hmm, but that means no callerid either.. unless you use some seperate device for that.. it has to display somewhere I'd think.

      Here, [USA] you buy a caller ID box. A basic one just lists name & phone number. The more sophisticated can be programmed to do various things with the call, depending upon the number that is calling. [Reject, send straight to voicemail, announce the caller, "Do Not Call" message, etc.]

      Something I've thought about, is using a linux box as a "super caller id box". [Take messages, put people on hold for ten minutes before ringing me, etc.]

      Amber

      --
      Wind Beneath Thy Wings
  72. Well, shit. by rscrawford · · Score: 1

    That pretty much makes Caller ID utterly worthless, doesn't it?

    --
    -- The reason it's called the right wing? Irony.
  73. Testing, one two three by sysadmn · · Score: 2, Funny

    Is anyone else really, really tempted to call someone and have this service send the number you're calling? Especially if you've got a friend with the Voice Announce caller-id feature? "Five Five Five One Six Zero Zero" "Hmm, that number seems familar" "Get out of the house, he's in there with you!"

    --
    Envy my 5 digit Slashdot User ID!
  74. Reverse Social Engineering by Black+Parrot · · Score: 3, Interesting


    > Let's not even start talking about all the wonderful social engineering that can now be performed with this great service. "This is Bill Gates. I forgot my password. Give it to me."

    It's probably a front for an FBI sting operation, an invitation for stupid criminals to use them as a middle-man in their crimes.

    --
    Sheesh, evil *and* a jerk. -- Jade
    1. Re:Reverse Social Engineering by Hentai · · Score: 1

      We can only hope.

      If it WAS the feds, that would be entrapment, which would rock - it would mean we could use it all we want, for the most illegal shit immaginable, and it would be an instant 'get out of jail free' card when it all went down.

      On the other hand, if it's private, then an FBI subpoena can bust us all.

      --
      -Hentai [in vita non pacem est]
  75. Long Distance Fees by iCharles · · Score: 1

    My first thought on reading this article was the long distance fee. How long before a "free" version of this come in, where the web site, on taking my source and destination number, connects us.

    Using a $2.50/minute long distance service.

    Routed through South America.

  76. Telemarketer's dream by Castaa · · Score: 4, Insightful

    This spoofing system is a telemarketer's dream for two reasons.

    1.) Nearly all telemarketers have their Caller ID blocked because they don't want to actual name to appear in people's caller ID display and thus keep people from picking up the phone.

    2.) I pay about $4 a month to have SBC (my local phone company) block all 'Anonymous' calls incoming to my phone. The caller has to leave a message or unblock their number to for call to be successfully connected. This filtering has reduced the number of unsolicited telemarketer calls by over an order of magnitude.

    Now, telemarketers can falsely spoof any name and number they wish. They already know my full name and phone number and easily could construct a database of people that are related to me. For example, I could now see my Mom's name and phone number every time a telemarketer calls me. Now both my caller ID and Anonymous caller ID blocking is circumvented. Now I am totally unable to avoid the torrent of calls from telemarketers that has plagued my phone number for years.

    This is has to be made illegal.

    --
    Chew: You Nexus, huh? I design your eyes.
    Roy: Chew, if only you could see what I've seen with your eyes.
    1. Re:Telemarketer's dream by duggy_92127 · · Score: 1

      I'm actually being serious: couldn't you save that $4 and just not answer the phone if there's no number/name on the caller id?

      Doug

    2. Re:Telemarketer's dream by Castaa · · Score: 1

      Good question. The difference the 'Anonymous call blocking' feature gives me is that it keeps my phone from ringing at all if an anonymous telemarketer calls. Unless the anonymous person presses '5' and leaves a recorded message the call never goes through.

      --
      Chew: You Nexus, huh? I design your eyes.
      Roy: Chew, if only you could see what I've seen with your eyes.
    3. Re:Telemarketer's dream by Anonymous Coward · · Score: 1, Insightful

      I think you have a flawed idea of how telemarketing works. Generally, the only legal dialers (not used for charity or for government) are the giant boiler room types. These systems can dial 100s of numbers a minute (actually about 24/second if I remember right). They are fed huge lists of reverse phone lists, listed by number, not by name. So your name is secondary and not even known most of the time. It is financially unprofitable for them to spend the time cross referencing all the numbers with supposed relatives.

      Also, they could never afford the money for this service (14 cents a minute!) and they have access to equipment that will do this for them without the service.

      If you want to worry about something, worry about your cell number being published in the "voluntary" directory (read your TOS, you voluteered when you signed up). This will actually cost you money.

    4. Re:Telemarketer's dream by clambake · · Score: 2, Funny

      For example, I could now see my Mom's name and phone number every time a telemarketer calls me. Now both my caller ID and Anonymous caller ID blocking is circumvented. Now I am totally unable to avoid the torrent of calls from telemarketers that has plagued my phone number for years.

      Then it's time to start saying "yes". Yes I want your product, not just one, but 40,000 of them. I want to be a reseller. Keep them going as long as possible, get them all excited, and then gently lay the phone down next to the tv and go have dinner.

  77. off topic / kinda by sosuke · · Score: 1

    isnt there a law against telemarketers and collection agencies calling mobile phones?

  78. Or Perhaps... by gillbates · · Score: 5, Funny

    They should just change their names...

    It just so happens that I share a first name, last name, and middle initial with a convicted felon. Debt collectors and private investigators can't tell from a phone listing that I'm not the same person.

    At one point, my house would get several calls a week from debt collectors and private investigators. They would impersonate police officers, threaten legal action, etc...

    It became really annoying. Finally, itcame down to this:

    • I have a habit of answering the phone in a jovial manner, i.e., with phrases like, "Mort's morgue, you stab 'em, we slab 'em...." Generally speaking, I only get calls from close family, so everyone's in on the joke.
    • But one time, I decided to answer "Dominoes Pizza, how may I help you..."
    • And the reply was not whom I expected, but the voice of our least-favorite sheriff impersonator. Yes, it was the collection agency. But to my surprise, he played along:
    • "Dominoes pizza, eh... I'd like a large pepperoni pizza.."
    • Well, I continued to take his order, address, phone number and all. I thanked him and then hung up.
    • Turns out, he was across the state in a major city. Still not a problem, though. I looked up the phone number for the local Dominoes, and relayed his order.
    • Forty five minutes later, I got a call, "Very funny, wise guy..."
    • To which I replied, "Dominoes pizza, may I take your order?"
    That was the last time he called.
    --
    The society for a thought-free internet welcomes you.
    1. Re:Or Perhaps... by TruthDefender · · Score: 1
      It became really annoying. Finally, itcame down to this: I have a habit of answering the phone in a jovial manner, i.e., with phrases like, "Mort's morgue, you stab 'em, we slab 'em...." Generally speaking, I only get calls from close family, so everyone's in on the joke. But one time, I decided to answer "Dominoes Pizza, how may I help you..." And the reply was not whom I expected, but the voice of our least-favorite sheriff impersonator. Yes, it was the collection agency. But to my surprise, he played along: "Dominoes pizza, eh... I'd like a large pepperoni pizza.." Well, I continued to take his order, address, phone number and all. I thanked him and then hung up. Turns out, he was across the state in a major city. Still not a problem, though. I looked up the phone number for the local Dominoes, and relayed his order. Forty five minutes later, I got a call, "Very funny, wise guy..." To which I replied, "Dominoes pizza, may I take your order?" That was the last time he called.

      ROFL! That is genius. It is one thing to anwser the phone as dominoes pizza, another thing to call a dominoes and place an order for him. LOL. I dunno what you do for a living, but whatever it is you ain't being paid enough. :)

    2. Re:Or Perhaps... by jiminim · · Score: 1

      Stalkernet, that is what we call my favorite university's student directory.

      Anyway some guy had a kid and did not pay child support. Turns out this guy had the same name as one of my buddies and had been in school at least for a semester. My friend gets a letter from the mother's lawyer, because the lawyer in all of his great intelligence had used Stalkernet to look up that particular name. Due to the fact that the kid was a completely different race, my friend got it cleared up pretty easily.

    3. Re:Or Perhaps... by Anonymous Coward · · Score: 0

      Here in Sweden we have a personal national id number so something like this would never happen. Though it would be fun. :)
      However since the baltic states are in the EU now you can hire them to do the collecting. One person got a severed pig head (I guess they couldnt find a horse) in his bed because he didnt pay a bill that was wrong but those russian mob guys didnt care.

  79. Man in the Middle by Ayanami+Rei · · Score: 2, Insightful

    You have to be connected through the service. I think it's a VOIP gateway. VOIP providers can control what the ANI says (mainly because they have to provide fill it in depending on who initiated the call). This just lets you parametrically set that. Nifty.

    This was also possible by abusing inproperly-set-up directory assistance. If you called the right service center from the right area code (or from a cell phone), they would need ask you where you were calling from to fill in the ANI when they made the connection. Hee hee!

    --
    THIS THING CAN TURN ON A DIME, MACROSSZERO STYLE ALSO FUCK BETA, ~NYORON
    1. Re:Man in the Middle by BrokenHalo · · Score: 1
      This just lets you parametrically set that. Nifty.

      But totally dishonest. Put simply, there is no legitimate purpose for this kind of technology, so there is no reason why authorities should not legislate against it and prosecute offenders.

      Except, of course, that most governments are totally dishonest too.

  80. Fidel Castro has a PHONE? by Ayanami+Rei · · Score: 1

    I always thought he lived deep underground in a lair/nuclear bunker where cell phone reception is poor.

    --
    THIS THING CAN TURN ON A DIME, MACROSSZERO STYLE ALSO FUCK BETA, ~NYORON
    1. Re:Fidel Castro has a PHONE? by pjt33 · · Score: 1

      Cuba has a wired phone network.

    2. Re:Fidel Castro has a PHONE? by svallarian · · Score: 1, Funny

      You mean him and dick cheney share a space?

      --
      I patented screwing your mom. But it got revoked for "prior art."
  81. Illegal?... by Procrastin8er · · Score: 0

    Not sure if this is illegal, but it should be. I can see someone wanting there number to not show on caller ID. But to have a fake number show, that's just wrong.

    --
    Slashdot - Where the slash is most definitely to the left.
  82. Has been feasible for others by Anonymous Coward · · Score: 1, Insightful

    From what I understand. This has been feasible for anyone with the resources, intent, and skills (gov agencies, mafia, etc...). Its a fuss now when it became available for other people (the general public).

    This raises the security/verificaton of regular phones. This appears to be similar to the "email protocol" problems we are facing now which lead to the spam epidemic.

    1. Re:Has been feasible for others by DavidH_Mphs · · Score: 1

      no, this is not a protocol problem... it's a feature that's often misunderstood & assumed to be something it's not.

  83. Any name I want, eh? by 192939495969798999 · · Score: 2, Funny

    So how many times can you fit "boobs" in the space of a caller ID name display?

    --
    stuff |
    1. Re:Any name I want, eh? by Anonymous Coward · · Score: 0

      (.)(.)
      (.Y.)

      boobs rule

  84. Sprint does a good job of that already by ncc74656 · · Score: 0
    Every time I call my parents, they say a different number shows up on their caller ID. How is this new service any different from what's happening already?

    Between that problem with POTS service at home and DSL at work that constantly needs resetting, I think it's fairly safe to say that Sprint sux. :-P

    --
    20 January 2017: the End of an Error.
  85. Finally! by Kombat · · Score: 1


    I can finally start marketing my "Trace-Buster-BUSTER!"

    ("The Big Hit?" No? OK, sorry. :) )

    --
    Like woodworking? Build your own picture frames.
  86. you can do it today, without having your own switc by isepic · · Score: 5, Informative

    try wildgate.com -
    sign up for an account and you have the choice in your prefs on what outgoing ID you want...
    cost $5.00 or so.
    been around for years now.

  87. Comacast are FUCKING IDIOTS by TiggertheMad · · Score: 1

    I placed a service request with them over two months ago, because I can't access their NNTP servers. I get a message telling me that only comcast customers can access their newsgroups services. Over two months to fix a simple password or permissions issue. Wow.

    --

    HA! I just wasted some of your bandwidth with a frivolous sig!
  88. Not entirely true anymore. by Ayanami+Rei · · Score: 1

    I've heard the phone companies won't necessarily let you do this (replacing the number you send with your billing number) unless you're ordering a big system.

    A dinky ISDN line or something won't probably cut it in a major metropolitan area.

    Which is why VOIP or services like this is a good work-around. :-)

    --
    THIS THING CAN TURN ON A DIME, MACROSSZERO STYLE ALSO FUCK BETA, ~NYORON
  89. That's nice and all... by Ayanami+Rei · · Score: 1

    But that's for the icing-on-top caller ID for your rinky-dink analog phone. That's easily spoofed.
    Not the switch-level ANI that's used to identify you to some companies' big PBX system even if your caller ID is blocked.
    Also, cellphones use (the equivalent) of ANI, the "other" caller ID is non-existant in that space.

    --
    THIS THING CAN TURN ON A DIME, MACROSSZERO STYLE ALSO FUCK BETA, ~NYORON
    1. Re:That's nice and all... by Dun+Malg · · Score: 1
      But that's for the icing-on-top caller ID for your rinky-dink analog phone. That's easily spoofed.

      Only if you have access to the switch level. You can't spoof directly from your analog POTS set by blowing your own 1200bps CID info between rings 1 and 2 like the OP suggested.

      Not the switch-level ANI that's used to identify you to some companies' big PBX system even if your caller ID is blocked. Also, cellphones use (the equivalent) of ANI, the "other" caller ID is non-existant in that space.

      Yeah, you make an important point there. ANI is what 911, [800|888|877|866], 900, and the telco's billing systems use to ID you when you make a call. The CID number is a candy-ass name and number string that's usually defined by the first box that MUX's your analog call into a digital outbound line. If you got a T1 card, you can do it yourself. But yeah, don't nobody out there think you can put in your neighbor's name and # and call 911 and get the police to his door, 'cause they're using the ANI info: they're coming to YOUR door.

      --
      If a job's not worth doing, it's not worth doing right.
  90. Oh? by gstoddart · · Score: 1
    ...watch legislation arrive to clamp down on who can own PBX equipment, and what it can be used for.

    I can't believe this got modded as insightful--because it's absurd


    Well, people pass laws on who can own crypto, they try to pass laws saying legitimate p2p is a crime, they try to say the recording things like VCRs are illegally infringing items, decss can only be used for copyright infringement, etc.

    You dismissed the grandparent as saying something absurd that can never happen and wave it away.

    The reason the grandparent post got moderated to insightful because it is insightful; there is bound to be someone who legitimately tries to outlaw this.

    Hell, those Homeland security folx seem to like to prevent people from being able to masquerade as anyone they want. All it would take is for a "only terrorists would mask their caller id" or "think of the poor children who could be spoofed by this" and this is exactly what would be happening.

    Unfortunately, not-thought-out reactions to new technology are increasingly becoming more knee-jerk and way less reasoned. Pretending it could never happen isn't going to stop it.

    --
    Lost at C:>. Found at C.
    1. Re:Oh? by Zak3056 · · Score: 1

      Well, people pass laws on who can own crypto, they try to pass laws saying legitimate p2p is a crime, they try to say the recording things like VCRs are illegally infringing items, decss can only be used for copyright infringement, etc.

      Other than VCRs (and I don't recall any recent assaults on those devices) nothing mentioned above is a mature entrenched technology that every business with more than half a dozen employees uses. Again, our legislature is downright stupid but they're not that stupid. I'm sure somewhere along the line, some idiot congressman will introduce a bill that fits the great-grandparent's vision. The idea that another few hundred idiot congressman will go along with it is ludicrous.

      Builtin wire tapping features? Sure, they'd vote for that. Logging every call the system makes and passing it on to the FBI? Yeah, I could see the majority of them voting for that, too. Restricting who can even own a goddamn phone system? Not gonna happen.

      --
      What part of "shall not be infringed" is so hard to understand?
    2. Re:Oh? by gstoddart · · Score: 1
      Other than VCRs (and I don't recall any recent assaults on those devices)


      How about this story from last week where there are people who would like to have the Betamax decision overturned. Kill that off, and VCR's are in a very different legal status. Most notable, something without any "significant, non-infringing uses".

      And that would be your mature, entrenched technology example.

      I'm sure somewhere along the line, some idiot congressman will introduce a bill that fits the great-grandparent's vision. The idea that another few hundred idiot congressman will go along with it is ludicrous.


      I hope you're right. I really do. The problem is, given enough time and institutional paranoia, an awful lot can happen.

      If they would vote in something saying that you needed to provide a required mechanism for the FBI to tap your calls, then it follows that any such device (ie. the ones which need to be hooked into or can spoof a caller ID) would have to be registered with the FBI to make sure you're not cheating. (Otherwise all of those unlicenced PBX's could be used to bypass being tapped.)

      Once you make it required to license them for purposes of wiretap, you're exactly already at the point where the ownership of these devices is in exactly the spot where you said it can't happen. There would be regulation and licencing on widespread phone technology.

      Unless they're going to require people to allow wire-tapping but not require them to fess up to having something that might need to be tapped.

      Sure, someone has to sound a little paranoid about the fact that it might happen. But saying it would never happen is a little scary. Because, as far fetched as it sounds, it doesn't seem that far fetched at all.

      --
      Lost at C:>. Found at C.
  91. You insensitive clods! by NotQuiteReal · · Score: 1
    I don't have caller ID!

    It had to be said

    --
    This issue is a bit more complicated than you think.
  92. Making Enemies of Enemies by darkonc · · Score: 1

    Who's to say that I couldn't go to their site at 4:00 some fine morning, Tell them that I'm calling from one of my worst enemies, have them connect to another enemy, and give them a third enemy as the 'calling from' number?

    --
    Sometimes boldness is in fashion. Sometimes only the brave will be bold.
    1. Re:Making Enemies of Enemies by kaatochacha · · Score: 2, Insightful

      You seem to have a lot of "enemies".

  93. Wait, wait, SLOW DOWN HERE! by Ayanami+Rei · · Score: 0, Flamebait

    Are you telling me Cuba has an INTERNATIONAL COUNTRY CODE???

    A place that backward and Communist couldn't possibly afford the paper upon which to print the request to the ITU for the allocation!

    --
    THIS THING CAN TURN ON A DIME, MACROSSZERO STYLE ALSO FUCK BETA, ~NYORON
    1. Re:Wait, wait, SLOW DOWN HERE! by Anonymous Coward · · Score: 0

      A person who uses (and presumably thinks of) "Communist" as a state of degree ('by contrast, France is just a little bit communist') and not as a binary state couldn't possibly believe that Cuba would be able to string a few wires together, cobble plastic from some mold someplace, and use it to speak over long distances. Give it up, Elian's-"family"-of-second-cousins.

    2. Re:Wait, wait, SLOW DOWN HERE! by Anonymous Coward · · Score: 0

      Communism, or better-collectivism is a state of degree. Did you ever notice communist countries don't work? LOL

  94. This should allow access to t-mobile voice mail by ry4an · · Score: 1

    This bugtraq report shows that T-mobile customers are vulnerable to caller id spoof access to voicemail in the default configuration. I wonder if this provides sufficient spoofage.

  95. Good idea to use this for toll-free numbers by MichaelCrawford · · Score: 2, Interesting
    My understanding is that companies that have toll-free numbers have the option of capturing the calling number regardless of caller ID blocking. The reasoning behind this is that the recipient pays for the call, so they have good reason to want to know who's costing them for the call.

    So if you call a toll-free number for whatever reason, they can capture your number and sell it to telemarketers - or collection agents.

    --
    Request your free CD of my piano music.
    1. Re:Good idea to use this for toll-free numbers by Anonymous Coward · · Score: 0

      Can someone verify this?

    2. Re:Good idea to use this for toll-free numbers by gerardrj · · Score: 1

      It's not just toll free numbers. The PSTN is a complex beast. Almost any company that has more that perhaps 12 incoming phone lines may get this informaion.

      The number you are calling from is almost always transmitted from your local office to the receiving office. Whether that number is sent as a caller ID string is a matter of your preference and the recipients subscription to the caller ID service. But even if not sent as a caller ID, it may still be sent.

      If you have bulk incoming phone lines, they are usually delivered in a T1 or larger pipe configuration. These bulk deliveries are usually handled in a special way; your company PBX communicates with the telco central office switch at a higher level than a plain old residential phone line. You may have heard reference to "signal 7" at some point.

      SS7 sets up a call between the CO and the PBX, the CO send information like date,time, dialed number and calling number and what channel the call it on. The PBX then "picks up" the call and then routes it to the proper extension based on any of that information.

      The summary is that any larger company you call likely has the number you dialed from even if you have caller-ID sending blocked on your phone. This information is an inherent part of the phone system.

      And yes, I'm simplifying and glossing over some things, but the concept is there.

      --
      Article X: The powers not delegated... by the Constitution...are reserved...to the people
  96. Identity Theft by Anonymous Coward · · Score: 0

    It seems to me that if this service is used and the spoofed number selected belongs to someone else then we have a case of identity theft which these days carries some pretty stiff legal penalties. Shouldn't this service be viewed as a tool designed to enable identity theft and as such be banned?

  97. Great way to listen into someone's voicemail by Anonymous Coward · · Score: 0

    Used a webservice from a telecomprovider with which you could do this. Calling any number and also displaying any number on your own and the remote display. I used it for a useful service, however as a side effect we could listen into somebodies voicemail. In the product we prevented this by hardcoding a special number to display.

    I condsider it real dangerous. And think it should be forbidden.

  98. Where is the OpenSource version? by Anonymous Coward · · Score: 0

    I just tried to get the OpenSource version, where is it, again?

  99. Pay the $0.00 debt by Anonymous Coward · · Score: 0
    they send him a monthly bill for $0.00
    He needs to send them a check for $0.00 with the words PAYMENT IN FULL in the memo field.
  100. Paging Jenny, you have a call on line 1... by timlee · · Score: 2, Funny

    867-5309

  101. Bah, that doesn't change what to do... by Programmer_In_Traini · · Score: 1

    I'm not sure whether there are more telemarketers or more spammers in the world.

    You've learned how to avoid spam ... or ... not be bothered with it.

    Here's a useful hint to avoid telemarketer and got caller id.

    unless you know the number of the caller, just don't answer and let them leave a message, most telemarketer won't leave one or their machine will hang up at the tone. if its a legitimate call, the person will (hopefully) leave a message.

    Its still very disapointing to see just how far some are ready to go just to make a buck, deceiving people outta be the worst technique of 'em all.

    --
    If you look like your passport photo, you're too ill to travel. - Will Kommen
  102. NOT "falsification service" but "forging service" by Anonymous Coward · · Score: 0

    The Register screwed this one up.

    "Falsification" means to prove something is false.

    A true Caller ID "falsification service" would provide some way of proving that the person on the Caller ID was not in fact the caller. Hence, such a service would be true "Caller ID" instead of "Calling Number ID" which is what we really have now.

    What this new "Star 38" service purports to offer is a forgery service.

    IANAL, but I would not want to go to prison for wire fraud. YMMV.

    It looks like this forgery service could do to the telephone what spam did to e-mail.

  103. I have fun at their expense by Sans_A_Cause · · Score: 2, Funny

    Who the hell does call KFC? I find it weird. Sometimes, before I had an obnoxious answering message, it would be along the lines of "I can't come in today". It was bizarre since, on my machine, I would clearly state my name and that I was out and would you please leave a message. Then, I'd get messages like "Uhh...I can't make it in today".

    So, I went with a stronger message. My last one (before my Mom asked me to take it off) was:

    Hello, and welcome to KFC's fat and disgusting line. If you're fat, press one. If you're disgusting, press 2. If you're fat and disgusting, press 3. If you'd like to know how our fried chicken can make you more fat and more disgusting, please press 4. If you realize this is not KFC and want to leave me a message, you can do that after the beep.

    You should hear some of the messages that got left. Mostly..."what the hell...?"

    My current one just promotes salad.

  104. Re:Social Engineering - cracking voicemail by skinfitz · · Score: 3, Informative

    ...they'd go one step further. They'd send the new password directly to his voice mailbox...

    Actually there are lots of voicemail systems out there in "idiot mode" that ID the user from their caller ID and wil dump them straight into their voicemail without any authentication.

    Feeding that number into this service and spoofing the callers number would theoretically allow anyone access to someone's voicemail should they know the numbers involved.

  105. Long-distance hacking by Anonymous Coward · · Score: 0

    Alot of third-party long distance services use caller-id to identify who to bill calls to.

    For example, I can dial an 800 number at my friends house, then get lower rates for long distance.

    This has the potential to be abused since I could potentially call the same 800 number from my house, but present the caller-id of my friends house and have the charges billed to him.

  106. FDCPA? not. by gerardrj · · Score: 1

    From the article: ...under two federal civil laws: the Fair Debt Collection Practices Act, which prohibits false or misleading representations...

    The thing is, as I understand it, FDCPA rules only apply to third party collectors. If you owe your CC company money, they are not limited by FDCPA. If the CC company sells your debt to another collection agency, THEN FDCPA kicks in.

    Most first party collection departments seem to follow FDCPA, but I think they do so voluntarily, and to keep you as a customer.

    --
    Article X: The powers not delegated... by the Constitution...are reserved...to the people
  107. Dead Beat by Billism · · Score: 1

    Excellent, I have a dead beat that owes me money and won't answer the phone when my number or an unknown number appears on caller ID.

  108. Re:more details, please by Anonymous Coward · · Score: 0

    Good God, is this Hannibal Lecter?

  109. Ah, optimism..... by jmorris42 · · Score: 1

    > A billing error can be resolved directly with the company.

    Depends on the company. Worldcon for example is totally clueless.

    I had dialup with UUnet back around 1999-2000. When DSL hit the area I tried to drop the dialup. Seems there isn't a human there that can actually cancel your service. Finally got someone who said I had to dialup using the account and send an email. Since I didn't have the modem powered up anymore and deemed that a stupid way to do business I told em "whatever, but I ain't sending any more money." Figured it was like AOL, where the only way to cancel a subscription is to tell the credit card co to stop payments.

    To this day they still think I am subscribed and call me every once in a while asking when I'm going to send the ever increasing back payment/penalties I "owe" them. But it doesn't seem to hurt my credit rating so I guess the agencies know all about worldcon and ignore bad reports from the asshats.

    --
    Democrat delenda est
  110. Boon for phreakers by Anonymous Coward · · Score: 0

    fyi: easiest pheak tool since the captn' crunch whistle!!!

  111. Why does everyone assume this is a big deal? by BlueTT · · Score: 1
    Caller ID was never meant to be secure; rather it has always been meant as a "convenience service" not a secure service like ANI information is.

    (ANI is much more secure, as that's how the phone companies generate billing data and how those with toll-free numbers know who is calling them. This is also how E-911 services work.)

    Anyone with a PBX and a trunk line can spoof CLID all day long and always has been able to; the idea being say, if you're a large company all your outgoing phone calls show as if they're coming from your main switchboard number rather than the individual extension the call is being placed from.

    This has been covered ad nauseum in comp.risks...

    1. Re:Why does everyone assume this is a big deal? by DavidH_Mphs · · Score: 1
      Yeah, what's all the fuss?

      Depending on which line I use to dial out, my office phone offers a different CLID. Lines 1 & 3, switchboard #. Line 2, DID (direct-dial #).

      I never realized how many people assume that CLID is 100% 'authentic.'

    2. Re:Why does everyone assume this is a big deal? by Anonymous Coward · · Score: 0

      I agree with was never meant to be secure, but in todays market it needs to be made 100% secure. CallerID should always 100% of the time show the exact calling number.

      Always, end of discussion. 100% of the time.

  112. useless by whathappenedtomonday · · Score: 1

    this is not really about security: if you use a service to cover up your tracks, your tracks are only as safe as that company is (think logs, billing, police browsing their logs/customer db...). users of legitimate services can always be traced back, so whats that security debate? it's a toy...

    --
    I hope I didn't brain my damage.
  113. Yes, I do! by Anonymous Coward · · Score: 3, Interesting

    Feel free to tell Darl to take a chill pill. A number of people have supposedly sent him death threats (just as other wierdos have sent threats to PJ of Groklaw). While I seriously doubt any of those people were serious, Darl is pretty stressed out about them. He has even started carrying a gun and should be considered armed and dangerous. I don't doubt that he'd shoot someone who tried to approach him if he even so much as suspected they might attack him.

    Anyhow, so long as you're not stupid enough to get yourself killed by him, here's all the contact info you could want:

    The SCO Group
    355 South 520 West
    Suite 100
    Lindon, Utah 84042 USA
    (801) 765-4999 phone
    (801) 765-1313 fax

    Contact SCO online
    http://www.thescogroup.com/company/feedbac k/index. html

    Darl C McBride
    1799 Vintage Oak Ln
    Salt Lake City, UT 84121-6539

    Darl's home phone #: (801) 424-2006
    Darl's office phone #: (801) 932-5820

    Email Darl: darl@sco.com

  114. 127.0.0.1 by Cynikal · · Score: 1


    hello who is this?

    - I'm you from the future! you know you should really buy that car you were just looking at, you won't regret it.

  115. we used to do that all the time by bmajik · · Score: 4, Funny

    except it was usually pizza hut answering the phone: "hello, pizza hut" only to be greeted by "uh, hello, this is papa johns"

    it was a real treat to listen to the two angry pizza guys, both of whom were insisting that THEIR phone was the one that rang, work out who was the bigger jerk

    3 way calling and the "mute" button is the best thing that happened to beeing a geeky teenager.

    --
    My opinions are my own, and do not necessarily represent those of my employer.
    1. Re:we used to do that all the time by glesga_kiss · · Score: 1

      Yay, I thought I was the only one that did this. Some of the arguments were amazing, especially if you called two people that did not get on together! This was all before caller-id though, little chance of getting caught!

  116. *whoosh* by Ayanami+Rei · · Score: 1

    My hyperbole and sarcasm are wasted upon you.

    Christ, this place sucks more everyday.

    --
    THIS THING CAN TURN ON A DIME, MACROSSZERO STYLE ALSO FUCK BETA, ~NYORON
    1. Re:*whoosh* by Anonymous Coward · · Score: 0

      hidoi

  117. How it's done by Anonymous Coward · · Score: 0

    I've built systems that do this for several clients. I have been building telephony systems for a dozen years. There are 3 ways I know of to do this:

    1: PRI (Primary Rate ISDN) T1; You can stuff the ANI with whatever you want, and your carrier may or may not deliver it depending on your provisioning. This includes the 2 so-called "information digits" which tell what kind of phone you're calling from (prison, hospital, home, business, mobile, payphone, etc);

    2: Robbed-bit T1 There is a way doing it with robbed-bit T1s as well but it's a little harder and more complicated;

    3: VoIP, where you can pretty much control everything you send out.

    The bottom line: There are lots of people already doing this. Star38 is the first one to publicly offer it as a service, rather than clandestinely buy a system from someone like me.

    All the ones I've built, as far as I know, are for more "legitimate" purposes - not intended to hide who you are, but intended to give you proper Caller ID even when the call doesn't originate from place it says. For example:

    - When using a calling card, presenting the called party with the caller ID of the originating phone you're calling from.

    - A system in Las Vegas calls you on behalf of your doctor in Atlanta with an automated call to remind you of your appointment tomorrow. The Doctor's office caller ID is presented.

    - A system in Atlanta is used to voice-SPAM you, but rather than have an out-of-area caller ID, they give the caller ID of the company on whose behalf they are calling.

    Note to the wise: I discovered when I built the first one years ago that you shouldn't ever trust caller ID! Now the cat's even more out of the bag!

    1. Re:How it's done by ebrandsberg · · Score: 1

      I figured this out a long time ago when messing with PRI's when I ran an ISP. There is also the ability to process things on the called-number, which is also passed on to the receiver. This is useful if you have a large number of lines in a hunt-group, with several phone numbers. It could allow you to, for example, use a different radius server for authentication and billing if you wanted to. The key though is that there are a LOT of things that can be forged once you get a PRI, but anybody can purchase one for their own use, if they just have the cash.

  118. i never take phone calls by pagan_odysseus · · Score: 1

    used to be in the justice industry where i was a slave to my telecom interface. now i leave my phone line plugged into the computer except when *i* want to *call out*. i don't pay 30-40 bucks a month to verizon so that *anybody* can disturb me by ringing a bell in my crib. my friends all know this and email me instead.

    1. Re:i never take phone calls by Anonymous Coward · · Score: 0

      Way to go backwards in society. Proactive we are!

  119. Re:Social Engineering - cracking voicemail by Anonymous Coward · · Score: 0

    This happened to me at my new place of work. I wasn't in the company phone directory yet (though I wasn't aware that this was the case), and I thought I would check my voicemail for fun. So I enter the first four letters of my name (thinking that's how I checked it), and I was dropped into our CEO's voicemail box. I'm not sure why or how, but it didn't require any password or anything beyond me trying to enter my name. I didn't learn anything neat, since the messages were in japanese, but I found it somewhat humorous.

    Anyway, yeah, idiot mode indeed; it's scary how some things are set up

  120. Incidentally there's a neat cell phone trick. by Ayanami+Rei · · Score: 1

    If you have the right kind of phone on the right network, you can do things like change the phone's phone number (internally, in the phone), and when you dial to numbers outside the cell network they see the new number as the ANI info. This is because right now many GSM systems rely on the phone to supply this information.

    AFAIK, a Nokia on AT&T wireless can do this. I want to try it but I can't find the Netmon enabling tool for my particular phone. (cries)

    So the cell company still bills you on your "official" phone number for your talk time. They really use the IMEI number for billing, of which one of many can be tied to your account. On your bill it's broken out by this IMEI, but they instead display the phone number orignally associated with it when you added the phone to the account.
    Again, that mapping only exists in the billing system.
    But if you call, lets say, something out-of-area or a 1-900 number, then whatever fake number you set in your phone is getting the toll charges. Hehehe.
    Still doesn't save you from your wireless airtime, but presumably you're on a monthly plan.

    Or you've unlocked your phone and done something real bad. ROR! :-)

    More practically people can't use your phone-number for a reverse lookup.

    PS - Hey, slashdot, anyone have the netmon tool for a Nokia 630i? I'll be your best friend forever. ::wink::

    --
    THIS THING CAN TURN ON A DIME, MACROSSZERO STYLE ALSO FUCK BETA, ~NYORON
  121. Credit Card Fraud Skyrockets 1000%... by hadesan · · Score: 1

    If this works for the credit card authentication and activations - the credit card industry is in for a huge upswing in fraud related losses... This sucks... Hadesan

    1. Re:Credit Card Fraud Skyrockets 1000%... by isepic · · Score: 1

      Most of them use toll-free 8** numbers,
      which will use the ANI, not caller ID, so the
      fraud rate should only be up around 10% not 1000%
      :-)

  122. Whoa! by Anonymous Coward · · Score: 0

    I'm not kidding, as I was reading this article my phone rang and the caller ID said 609-555-5555.

    That is freaky. Get out of my house slashdot readers!

  123. Nope by wantedman · · Score: 1

    In the ToS, it'll state something about how you agree to allow them to record every conversation.

    1. Re:Nope by Hentai · · Score: 1

      Sure, but they still can't use it in a court of law if THEY entice users to utilize the service.

      --
      -Hentai [in vita non pacem est]
  124. star 69 by TerminalInsanity · · Score: 1

    in some areas redials the last caller...
    i wonder if i spoof my phone number to 911...

  125. +1 awesome by Anonymous Coward · · Score: 0

    well put, friend

  126. which brings to mind a question... by Rimbo · · Score: 3, Funny

    "Why is it that when we talk to God, we call it praying, but when God talks to us, we are schizophrenic?"

    --Lily Tomlin

  127. UK by JayJayEm · · Score: 1

    I am amazed that in the US anyone has any control over caller ID other than the telcos.

    Here in the UK as far as I'm aware your exchange transmits details (which it knows - it knows your number!) about the caller to the recipient's exchange which then transmits it on to the recipient's caller ID equipment (if they subscribe to the service). If you are behind a PBX then tough, the receiver gets the "switchboard number" or number withheld.

    Is it just me or is this far more sensible?

    1. Re:UK by Jack+Schitt · · Score: 1

      That's how it works here too. I'm still trying to figure out how this *38 thing works though.

      I get the feeling that he has all outgoing calls going through a T1 line (no caller ID sent through the line at all) and before the second ring his 1200 baud modem kicks in and generates the caller id data (this is based on my knowledge of caller id, not anybody elses...) Not sure if that would actually work. Any ideas?

      --
      This message brought to you by Jack Schitt's Previously Shat Shit
  128. Tele-phishing by Anonymous Coward · · Score: 0

    What could be more benign?

  129. My God by Pan+T.+Hose · · Score: 1

    Steve Wozniak, co-creator of Apple and maker of the Blue Box, did prank call the Vatican one time with his invention.

    My God! Not only did he used a symbol of forbidden fruit as his trademark, but also this?! He is soooo damned...

    --
    Sincerely,
    Pan Tarhei Hosé, PhD.
    "Homo sum et cogito ergo odi profanum vulgus et libido."
  130. I have a more satisfying way to stop Telemarketers by Dont_Call_Me! · · Score: 2, Funny

    Caller ID is great for "ignoring" telemarketers, but I have hacked together an old PC and phone to make something I call the "Telecrapper". It uses the CallerID string to determine if the call is PhoneSpam. If it is it answers the call and plays a series of pre-recorded sound files. It uses silence detection to determine when the telemarketer is talking, so it carries on a virtual conversation with the dope on the other end. I haven't had one yet figure out that they're talking to a computer. These virtual conversations have all been recorded, and the best ones can be listened to at www.pagerealm.com/tc2k. They are all very funny to listen too. Just scroll down to the bottom to listen to the example WAV files.

  131. Setec Astronomy... by brakk · · Score: 2, Funny

    That always gets me in.

  132. Wrong Answer by Skjellifetti · · Score: 2, Funny
    But seriously, it doesn't matter whether it really "works" or it's just a placebo - if the machinery does what you want it to do, you don't need to look at the insides.

    One of the questions from the guy test:

    Alien beings from a highly advanced society visit the Earth, and you are the first human they encounter. As a token of intergalactic friendship, they present you with a small but incredibly sophisticated device that is capable of curing all disease, providing an infinite supply of clean energy, wiping out hunger and poverty, and permanently eliminating oppression and violence all over the entire Earth. You decide to:
    • a. Present it to the President of the United States.
    • b. Present it to the Secretary General of the United Nations.
    • c. Take it apart and see how it works.
    The only reason for not looking inside a black box is that there is some other more interesting black box next to it or maybe if your wife and kids are yelling at you to fix the plumbing disaster currently under way in the bathroom.
    1. Re:Wrong Answer by Kwil · · Score: 1

      Definitely a guy test.. ..only a guy wouldn't think to add the answer "d. Turn the thing on."

      --

      That Jesus Christ guy is getting some terrible lag... it took him 3 days to respawn! -NJ CoolBreeze

  133. This is why I don't have caller ID... by feloneous+cat · · Score: 1

    ... that and the fact they don't offer it here in rural-land...

    Feloneous

    --
    IANAL, but I've seen actors play them on TV
  134. Screwing with the Entertainment Industry by ScottZ · · Score: 1

    Now we can all hide our calls behind those "555" numbers! Excellent!

  135. You are SO mistaken... by Anonymous Coward · · Score: 0

    You are showing us what is supposed to be.

    But in Reality these ASSHOLES break the law ALL the time.

    And since we CAN'T track them back through their phone number, we have ZERO Legal recourse.

    So your showing us the so called law is a waste of our time.

  136. Re:I have a more satisfying way to stop Telemarket by lendude · · Score: 1
    How about getting rid of the home page hijacker before publicising this url?

    "Would you like to set your Home Page to 'http://www.searchit.com/home.html'?"

    --
    "Get off the cross - we need the wood" - Tori Amos
  137. Star38 = EarthStation5 by Anonymous Coward · · Score: 0

    Go ahead. Identify yourself to a false identfier service...

  138. Dear Lord, by Duhavid · · Score: 1

    It is true that the people are responsible for their own actions.

    But, arent the credit card companies responsible for their actions? They *know* the demographic they are selling to. They know where this is all headed in the end. The person on the recieving end may or may not be ignorant of the consequences, this may be their learning experience. But the CCC knows. And they extend the credit anyway. I know they do, I was on the recieving end of offers beyond count when I was in not so good shape in the credit arena. They ran my scores ( towards the bad end ) and decided to offer me credit. I didnt take them, except to transfer money to lower interest rates ( not all of them are worth taking, BTW. )

    --
    emt 377 emt 4
  139. Re:I have a more satisfying way to stop Telemarket by Dont_Call_Me! · · Score: 1

    Sorry about that. Pagerealm inserts the ads and propaganda randomly to pay for the bandwidth. I don't have any control over the popups or banners. I'm not trying to sell anything though. My only crime is trying to save money on my webhosting.

  140. Do you have Pope John Paul in a Can ? by Gopal.V · · Score: 0

    *phone rings along in vatican ..
    <Phreaker> Do you have Pope John Paul in a Can ?
    <Vatican> No, he's in his robes
    <Phreaker> Uhh... I think you can let him out now
    <Vatican> Who's this ?
    *dial tone ...
    <Vatican2> Who was that ?
    <Vatican> I don't know, but find me the phone admin and get the idiot with extension +666

    Sorry couldn't resist :)

  141. So illegal by LemonFire · · Score: 2, Informative

    Working for a small telecom company having the same technologies available to us to do what this guy is doing (there's no magic involved) I decided to ask my boss what he thought about the news article. He said it was interesting and so illegal....

    -----
    Stand by, receiving SIG... ERROR 6502: connection timed out!

  142. Caller ID in cellulars by NaveWeiss · · Score: 1

    This thing won't work with caller ID in cellular phones, would it? (Assuming there is caller ID in cellular phones in USA...)

    --
    Slashdot community, please notice: I am looking for a girlfriend.
    Nave H. Weiss
  143. Re:I have a more satisfying way to stop Telemarket by Programmer_In_Traini · · Score: 1

    Ha Ha Ha!

    That was very hilarious, especially example #5

    I'll be sure to try to build something like this at home :)

    --
    If you look like your passport photo, you're too ill to travel. - Will Kommen
  144. T-Mobile Voicemail pseudo-exploit using cid spoof by x736e65616b · · Score: 1
    Want to check any T-Mobile user's voicemail?

    (They use caller-id to authenticate most users.)

    Details: http://sneak.datavibe.net/blog/read/641

    -j

  145. This isn't new by Anonymous Coward · · Score: 0

    You've been able to use a web-based phone service to spoof your number for many years. I recall using dialpad.com (Which was hyped for free internet long distance back in the lare 90's) and was able to type in whatever number I wanted to show up as the recipient.

  146. Kent, this is Jesus by Anonymous Coward · · Score: 0

    Stop playing with yourself!

  147. Found their Site by pwthoma · · Score: 1
    Figured if you want to tool around on their site before they make it publick feel free to check out the following

    http://star38.com/new

    --
    Eat more bacon!
  148. Try one better. How about a Phone Sex Line by Teancum · · Score: 1

    When my wife and I first got married, our phone number was identical to an 800 phone sex line. No kidding.

    This phone number was apparently published widely in Europe (presumably in the Netherlands and Germany, based on the people doing the calling). They also mistakenly thought that the 801 area code (formerly for all of Utah, now just Salt Lake City) was a toll-free call.

    Since my wife didn't speak any German, she would just simply ask "What? Who are you?" and there would be something said by the caller in German or Dutch. Since I had some German classes back in High School, I knew enough of the language to finally figure out at least where they calling from. In reality, I felt pity on the guys doing the calling, as they were rather desperate and getting charged an arm and a leg for international long distance. When the area code was reassigned, the phone calls stopped.

    Right now my phone number is one digit off from a local grocery store that also allows senior citizens to call in orders for delivery to their home. Really this is a neat service for people who otherwise couldn't do this, but trying to get into the head of somebody in their 80's or 90's that the phone number they just called is not the grocery store they thought it was. My wife usually has a conversation like this:

    My Wife: Hello?
    Caller: Is this Macy's (the grocery store)
    My Wife: No, this is a private residence.
    Caller: Oh, I'm sorry. (*hangs up*)
    ***telephone rings again 10 seconds later***
    My Wife: Hello?
    Caller(same as before): Is this Macy's?
    My Wife: No, you misdialed the number again.
    Caller: I know I called this same number before young lady. Now stop fooling around and get the manager on the phone!
    My Wife: OK, just a sec....
    Myself: Hello?
    Caller: You have very rude employees. That last young lady you had on the phone should be fired.
    Myself: I'll look into that. Can I help you?
    Caller: Sure. I'd like the following items...
    Myself(breaking into the conversation): You do know that this is not Macy's?
    Caller: Of course this is Macy's.
    Myself: Please mam', just try to call back and this time use the correct phone number.
    Caller: How rude! I will never shop at your store again.

    I generally don't get rude that often, but sometimes it is fun. Generally I try to help them out (they are seniors... I don't want kids doing this to me when I'm that age), but we've been able to get to know several older community members rather well. You just have to look at it with a bit of humor and not worry about the situation.

  149. Re:Try one better. How about a Phone Sex Line by shadowbearer · · Score: 1

    Hee!

    My current number was transferred from the maintenance person number for a 275 unit assisted living apartment complex. Even after 18 months (time since the old number was disconnected - was transferred to me a few months after that) I still get calls. Sometimes angry ones (usually the ones involving some catastrophic building failure).

    Caller: We have no heat! Get this fixed or by God I'll call the management and get your sorry ass fired!

    Me: Sorry sir, but all our maintenance has been outsourced to Mexico.

    Caller: !($#*%#$)*! *click*

    Me: *chuckles* and grabs another beer.
    --

    Then there are these kinds (abbreviated for posting):

    Caller: *quavery elderly voice* My toilet won't flush, can you come over and fix it?

    Me: Well, when you press the lever, what happens?

    Caller: Nothing, and the lever is really loose. It didn't used to be that way.

    Me: Ok. Remove the top of the toilet tank and look inside. You should see a chain hanging from the arm that is attached to the flush lever, and it should be attached to a rubber thingy on the bottom of the toilet.

    Caller: Ok, let me get my gloves... well, the chain is laying on the bottom of the toilet. That isn't right, is it?

    Me: No, it isn't. Take the chain and attach the end of it to one of the holes in that plastic arm that is part of the flush lever.

    Caller: It works! Young man, you are a saint! I'll remember you in my prayers! [ hey, I figure I need all the help I can get :) ]

    Me: No problem Ma'am, we live to serve [ puts down the phone, chuckling and wondering where to send the bill ]

    Toilet Tech Support. lol. I've worked building maintenance in a number of apartment buildings I've lived in (easy way to get cheap/free rent if you know what you're doing) and I figure there are three categories of calls:

    1) Fix it now or I'll callmanager/sue/come over with a gun. Solution: *click* [ this type will often hover over you while you fix things, making useless suggestions and asking repeatedly "Are you sure you know what you're doing?" - "Yessir, I did a home study course in electrical repair. Trust me."

    2) The polite and friendly ones. Can often be taught. With these you can often rely on getting Christmas cards with pictures of people you don't even know.

    3) The totally helpless ones - yet mostly kind - who will often feed you lavishly after you perform a simple two minute fix (or half a day's work). My personal favorites. (Mmmm...homemade roast and pie, and I didn't have to cook!) :)

    --
    Heh. I've spoken to the management of the complex several times, and they swear they've notified all the residents of the new numbers. The last time I did that, two weeks later we had a town-wide power outage, and I had more than twenty calls in thirty minutes. I wasn't home at the time and it filled my answering machine.

    I still can't believe some of the creative profanity I heard on a couple of those calls. Guess experience shows :)

    A couple weeks ago I had one of the maintenance people who works there come into where I work, and after I found out who he was, I mentioned the situation. He just grinned, rolled his eyes, and informed me that the management had never even bothered to mass-update the numbers, they just did it piecemeal. He also gave me the complex manager's home phone # :-D I'm still debating on the best way to use that info...

    SB

    --
    It's old. The more humans I meet, the more I like my cats. At least they are honest.
  150. Sorry by Kombat · · Score: 1

    The National Debt is up to what, about $6 trillion? Which segment of the taxpaying public is carrying the greatest burden of that as a percentage of their annual income? Minimum wage hasn't gone up in how many years?

    If you're trying to imply that the lower income demographic (those who are the ones who get in trouble with creditors, i.e., the ones we're talking about in this thread) are the ones feeling the biggest pinch on carrying their share of the national debt tax burden, then I'm sorry, but you'll have to try harder. You've overlooked one simple fact:

    The poor don't pay taxes.

    I don't have the numbers for the US, but in Canada, if your gross annual income is around $10,000 (i.e., the part-time minimum-wager you're talking about), then they wouldn't pay any income tax at all. The first $8,000 is completely tax-free for everybody. And there are lots of credits for housing, health, and other taxes that you're eligible for if your income is below various thresholds (which my hypothetical $10,000 income is below, in every case). Heck, they'd even get their Employment Insurance and Canada Pension Plan premiums rebated to them.

    The truly poor, the ones in trouble with creditors, they don't pay any tax at all.

    --
    Like woodworking? Build your own picture frames.
  151. Fuel for the fire by maximilln · · Score: 1

    According to these snippets I've been right on the money while you've been a typical propaganda lemming:

    "Prolonged weakness in the labor market has left the nation with over a million fewer jobs than when the recession began. This is a worse position, in terms of recouping lost jobs, than any business cycle since the 1930's."

    I don't know anything about the fire of conspiracy, but I smell the smoke of collusion.

    What is happening is nothing less than a deterioration in the standard of living in the United States. Despite the statistical growth in the economy, the continued slack in the labor market has resulted in declining real wages for anxious American workers and a marked deterioration in job quality.

    If the American workers aren't reaping those extra benefits, I wonder who is?

    From 2000 through 2003 the median household income fell by $1,500 (in 2003 dollars) - a significant 3.4 percent decrease. That information becomes startling when you consider that during the same period there was a strong 12 percent increase in productivity among U.S. workers.

    That's making it difficult to pay back debt. I wonder where the profits from that productivity are going.

    "So the economic pie is growing gangbusters and the typical household is falling behind," said Jared Bernstein, the institute's senior economist and a co-author of the new book.

    Keep that debtor society turning!

    This is the part of the story that spotlights the unfairness at the heart of the current economic setup in the U.S. While workers have been remarkably productive in recent years, they have not participated in the benefits of their own increased productivity. That doesn't sound very much like the American way.

    And that's exactly what I've been saying for the last 20-some posts.

    According to the institute, "Between 1947 and 1973 productivity and real median family income both grew 104 percent, a golden age of growth for both variables." That parallel relationship began to break down in the 1970's, but it is only recently that it fell apart altogether, leaving us with the following evidence of unrestrained inequity:

    So the preceeding generations didn't stay out of debt because of their browbeating frugality. They were part of generations which were treated to some very favorable conditions.

    "In the 2000-03 period income shifted extremely rapidly and extensively from labor compensation to capital income (profits and interest)," so that the "benefits of faster productivity growth" went overwhelmingly to capital.

    More cash for the lenders to lend out to the families slipping behind... at 19% interest.

    The end result of all this is a portrait of American families struggling just to hang on, rather than to get ahead. The benefits of productivity gains and economic growth are flowing to profits, not worker compensation. The fat cats are getting fatter, while workers, at least for the time being, are watching the curtain come down on the heralded American dream.

    But yet void* would have you think it's just a conspiracy theory.

    --
    +++ATHZ 99:5:80
  152. More numbers by maximilln · · Score: 1

    More numbers from the Economic Policy Institute, specifically from the here.

    "In 2001, 20% of all income went to the top-earning 1% of households, which held 33.4% of all net worth. The 90% of households with the lowest incomes received 54.8% of all income but only had 28.5% of all net worth."

    "Since 1983, the top 1% of wealth holders consistently owned more than 30% and the bottom 80% held less than 16% of all wealth from 1983 to 2001."

    "In 2001, the top fifth of households held 84.4% of all wealth; the middle fifth held only 3.9% -- the smallest share since 1962. The bottom fifth had negative net worth -- owing more than they owned."

    If 20% of the American population is kept in debt I don't need to be a statistician to know there's something wrong with the economic system.

    "In 2001, 17.6% of all households had a zero or negative net worth; just over 30% had a net worth of less than $10,000."

    Since net worth includes any equity for their homes it's pretty reasonable to think they're living with some form of credit debt. Not all of their net worth is in their incomes.

    "Average wealth grew by $2.8 million from 1989 to 2001 for the top 1% of households -- a 2.1% annual increase. For the middle 20%, average wealth increase by $11,100 -- or 1.3% per year."

    Net flow is moving up the economic ladder. It's a pyramid scheme not a conspiracy.

    "For the past 40 years, approximately 80% of all wealth has been held by 20% of households."

    I've always thought of it as 95/5, but same thing.

    "The top 1% of stock owners hold 44.9% of all stocks, by value, while the bottom 80% own just 5.8% of total stock holdings."

    It's not a conspiracy. It's a pyramid scheme.

    --
    +++ATHZ 99:5:80
    1. Re:More numbers by void* · · Score: 1

      Your first post is filled with figures and quotes that indicate that the recent recession was one of the worst since the Great Depression, something that is entirely possible, but is not support for your conjecture.

      Your second post has:


      "Since 1983, the top 1% of wealth holders consistently owned more than 30% and the bottom 80% held less than 16% of all wealth from 1983 to 2001."

      "In 2001, the top fifth of households held 84.4% of all wealth; the middle fifth held only 3.9% -- the smallest share since 1962. The bottom fifth had negative net worth -- owing more than they owned."


      All of these figures are wealth holding figures, and are independent of income. If I make $100,000 a year, have $25,000 withheld in taxes, rent an apartment at $2,000 a month, and have $60k in debt, I would have a negative net worth, even though my income is quite large.

      Donald Trump is probably in there with your bottom fifth. Hardly support for your conjecture.

      --


      Code or be coded.