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$12 Billion In Private Student Loan Debt May Be Wiped Away By Missing Paperwork (nytimes.com)
New submitter cdreimer shares a report from The New York Times (Warning: source may be paywalled; alternate source): Tens of thousands of people who took out private loans to pay for college but have not been able to keep up payments may get their debts wiped away because critical paperwork is missing. The troubled loans, which total at least $5 billion, are at the center of a protracted legal dispute between the student borrowers and a group of creditors who have aggressively pursued them in court after they fell behind on payments. Judges have already dismissed dozens of lawsuits against former students, essentially wiping out their debt, because documents proving who owns the loans are missing. A review of court records by The New York Times shows that many other collection cases are deeply flawed, with incomplete ownership records and mass-produced documentation. Some of the problems playing out now in the $108 billion private student loan market are reminiscent of those that arose from the subprime mortgage crisis a decade ago, when billions of dollars in subprime mortgage loans were ruled uncollectable by courts because of missing or fake documentation. And like those troubled mortgages, private student loans -- which come with higher interest rates and fewer consumer protections than federal loans -- are often targeted at the most vulnerable borrowers, like those attending for-profit schools.
At the center of the storm is one of the nation's largest owners of private student loans, the National Collegiate Student Loan Trusts. It is struggling to prove in court that it has the legal paperwork showing ownership of its loans, which were originally made by banks and then sold to investors. National Collegiate is an umbrella name for 15 trusts that hold 800,000 private student loans, totaling $12 billion. More than $5 billion of that debt is in default, according to court filings.
At the center of the storm is one of the nation's largest owners of private student loans, the National Collegiate Student Loan Trusts. It is struggling to prove in court that it has the legal paperwork showing ownership of its loans, which were originally made by banks and then sold to investors. National Collegiate is an umbrella name for 15 trusts that hold 800,000 private student loans, totaling $12 billion. More than $5 billion of that debt is in default, according to court filings.
paper in 2017?
This is exactly the scenario that countless spams and clickbait ads have promised,:that if you challenge the bank's record keeping, you can completely free yourself from your mortgage (and here's your $49 kit to help you do it). Except in this case, it's apparently not total bullshit.
This is great news for people who graduated with an AA degree and now work cleaning storage closets!
This sounds like a bunch of debtors who've found a loophole to get out of their legitimate obligations. Sure, those who provided loans should have tracked things better, but that doesn't eliminate the ethical responsibility borrowers have to pay back what they agreed. The end result will only be to raise the cost of loans for future borrowers.
"National Security is the chief cause of national insecurity." - Celine's First Law
What about the fake bills for stuff like web services that some office secretary use to just pay with out checking them very hard.
Looks like the average American will have to bail out yet another greedy creditor. I wonder how big the bonuses will be this time.
With US District Court Judges dismissing billions of dollars in loans, the Loner Banks and Credit Unions can just do the "Al Capone" and pay someone to kill the US District Court Judges willy nilly. Seem fair!
It's the "Old Fashion Way"!
Bartender! I'll have an 'Old Fashion' if you please!
Ha ha
Dang! This almost makes me wish I had student loans instead of working 50 hours a week to get through college and pay as I went. It would have been a lot easier.
My ass! The user name "cdreimer" was signed up by someone who noticed that creimer was too obtuse to register his own name...
Then Slashdot management decided to revoke the cdreimer account and give it to creimer! Is that acceptable?
cdreimer is creimer
about as "new" as the crust in his underwear
I just paid off my undergraduate and graduate loans thinking I was being all responsible and shit...
"deeply flawed" documentation.
I really wonder about that. I had difficulty getting a job after college, and like a lot of others my student loan went into collection. Two years after graduation, in another state, I landed a well paying job, contacted the collection agency through an old notice and made payments, eventually paying it off.
And then, about a year later, I got contacted by a collection agency (the same or a different, I don't know -- didn't keep track) that I still owed $500-something on my student loan. I was doing well at the time, so I paid it off again just to make it all go away.
Three years later, I moved to a different state and got a new job, and a collection agency *again* contacted me about my student loan, saying I still owed a little over $200. I argued vehemently that I had already paid off the damn thing twice. They got really rude over the next few weeks, called work and home at all hours, and being nasty to whomever answered. I swallowed my pride and paid it off for a third time.
That was a couple decades ago, and I haven't gotten any calls since. But here's the punchline. My most recent job required that I provide evidence of my degree. I'd never been asked this before, and looking through all my decades-old paperwork, some never opened through moves from one state to another to another, I couldn't find my diploma.
No problem, right? Contact the school, get a copy of the diploma, send it to HR.
The school had no record that I had ever attended.
Let that sink in for a moment.
So I went backwards from the student loan docs, which showed that I attended the school from year1 to year2. The school eventually had to admit that I had been a student there, but they had lost all records of that time. I got them to put that in a letter, which my work grudgingly accepted. Next time I'm not putting my education on my resume.
Oliver's law of assumed responsibility: If you're seen fixing it, you will be blamed for breaking it.
Its the best thing ill Gotten Gain could be spent on. :)
[($)]
Student loans need better regulation before we have the equivalent of the mortgage meltdown for education loans.
The mortgage bubble nearly threw us into Great Depression 2.0. (Yes, I do credit Obama for saving us. GOP's "recovery" plan was too close to Hoover's for comfort.)
Table-ized A.I.
Who loses money? Stock holders?
Read about the amazing degree to which the courts looked the other way on paperwork during the mortgage crisis and tell me you believe the courts will side against the lenders. Please.
Here's a great example: https://www.rollingstone.com/politics/news/matt-taibbi-courts-helping-banks-screw-over-homeowners-20101110
cap student loans / income based pay back with say an max interest rate of 2-3% and max pay back time 20 years. And you are under X income then you pay 0.
or just have cheaper 11 or 7 come back for them as how meany banks would give someone 150K to get that PHD in medieval studies?
the NBA and NFL need minor leagues so that we can cut the joke classes that student athletes take (when the team needs 40-60 hours you don't time for class)
Missing documentation can be explained in many ways.... but fake? WTF?
Once again, being a responsible adult who pays their bills leaves you fucked.
I think I'm doing this adulting thing wrong.
Mod me down with all of your hatred and your journey towards the dark side will be complete!
I've come up with v2 of my hosts file security tool. I run a local DNS recursor that CNAMES everything to imabiggaybaby.com. It requires me to still run a hosts file to post on slashdot, but that's a small price to pay for getting the most out of my web browsing.
apk
for decades. Yeah, bad or unfinished degrees from people who's lives are a mess. A lot of them not all there in the head (I had a rough upbringing, so I know a lot of flakes). I can't get too worked up by this. The college graduates that make it more than pay for the ones that don't. And the folks whining about paying are the ones benefiting from their labor.
I'm pretty sure the majority of people reading this would like to see free college. The question is when are we gonna put our votes where our mouths are?
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the mortgage thing was a problem because the banks loaned more than the houses were worth and thus could not get their money back. Short of dying or dropping off the grid you're gonna pay those loans. Hell, if you live in the south they've got debtor's prisons for you.
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So how about all those mortgages that got sold a half dozen times? I always paid mine....but the bank went under. For a while I paid to the treasury. Then I paid to some jokers I'd never heard of. Then different jokers I'd never heard of. I certainly never agreed to pay money to some random 6th party asshole company that likes to lose paperwork.
Makes me want to challenge my mortgage really bad now.
well I think that's the problem. They don't have the paper.
It's also not simply people lying to get out of loans, it's courts fed up with high pressure tactics to get payment on loans that were never made! Then when they are contested the loan companies dont' show up in court. It's the courts that are invaldating the loans for their own purposes not just because people are trying to weasle out
from the article:
“I tried to be honest,” Ms. Watson said of her court appearance. “I said, ‘Some of these loans I took out, and I’ll be responsible for them, but some I didn’t take.’”
In her defense, Ms. Watson’s lawyer seized upon what he saw as the flaws in National Collegiate’s paperwork. Judge Eddie McShan of New York City’s Civil Court in the Bronx agreed and dismissed four lawsuits against Ms. Watson. The trusts “failed to establish the chain of title” on Ms. Watson’s loans, he wrote in one ruling.
When the judge’s rulings wiped out $31,000 in debt, “it was such a relief,” Ms. Watson said. “You just feel this whole weight lifted. My mom started to cry.”
Some drink at the fountain of knowledge. Others just gargle.
For every 12 billion in student loans 5 billion is unpaid. It dont take a rocket scientist to see where this is headed.
Most will die before paying when inflation really kicks in for a decade.
I can answer that. It's because the media conglomerates that push the narrative of personal responsibility are owned by billionaires using that narrative to lower their tax burdens and claim a larger piece of the economic pie. Do I get a gold star?
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.... the magic words are "Show me the paperwork indicating that I owe you this debt.". Most collection agencies have ZERO paperwork showing that they are entitled to collect, but rely on intimidation to get people to comply. Fight back! Make them at least show the paperwork! Chances are, they don't have it.
This is why Trump won.
Stupid Americans still bank at Wells Fargo/Wachovia, at least those that are ignorant have some kind of excuse. Anyone crying left and right here is a true moron, and part of the larger problem.
The fact that the borrower paid the loan for at least some time is an indication that the borrowed acknowledges owing the debt. Generally, loans entered in good faith are considered valid debt when the borrower makes at least some regular payment on them.
I think these are being dismissed more because of the political bent of certain judicial appointees rather than studious interpretation of the Law. The Law is pretty clear that payment on a debt absent a dispute is tacit acceptance of validity for that debt.
Couldn't have said it better myself.
Graduated in '03. Took out both Stafford loans and private loans to pay for college. My private loans were sold once, and my Stafford loans were sold twice. Paid it all off completely, the private loans five years ago and the Stafford loans this year, but it seemed silly to me at the time how frequently my debt was being tossed around between lenders.
Personally, I'm concerned, because we've seen this before. I believe financial institutions are packaging student loan debts into asset-backed securities and selling them to the highest bidder. To the buyer, it's no longer a set of loans, but a financial instrument of cash flow. Buy a packaged set of loans for x dollars promising a cash flow of y dollars over z years. We saw the same thing happen with home loans during the 2008 recession.
I submitted this story with my cdreimer account but I have many slashdot account so I can moderate/publish myself here is the account where I do most posting: https://slashdot.org/~creimer -cdreimer
Great. I can't tell it this really is creimer or some troll impersonating his sockpuppet account.
Any sufficiently advanced troll is indistinguishable from genuine stupidity. -- Arthur C Clarke
The American Medical Association (AMA) of all groups actually do this. They send blank, unlabelled envelopes to doctors' offices with notices in there and legitimate looking bills saying that dues are due or overdue. The problem is that the doctor in question is consciously not part of the AMA, never has been, and doesn't want to be. They bet on the idea that a significant number of these will get to incompetent office staff that just pay it.
I've often wondered how these collection agencies are capable of proving that they own the debt. I know that a lot of these companies buy tons of these debts for pennies on the dollar, and my understanding is that they get this information as lists of debt on spreadsheets. How is that proof? Or are they getting the actual "original" documents that were signed those decades ago? I know that when they contact you, they act all tough and want immediate payment, but getting them to "prove it" to you usually ends up in a hang up and then a repeat of the phone calls a week or so later. To be honest, I've never understood the legal boundaries on either side of this situation, other than the borrower finally giving in and "doing the right thing". Fortunately, I'm not in such a circumstance right now, but my curiosity has never been sated on this issue.
Sarbonn's blog: http://www.sarbonn.com/blog
Great. I can't tell it this really is creimer or some troll impersonating his sockpuppet account.
I don't post AC.
Finance / banking is one of those lines of business that requires a degree of all employees for no particular reason. An MBA or other job-specific cert applies only to the higher positions; for everyone else, it's just a matter of policy that you have something.
So if you overpaid at Evergreen College for that genderqueer theory masters that by now you have found opens no employment doors, you will end up working for a bank or collection agency, shuffling that very same legacy paperwork incompetently enough to let large numbers of your fellow liberal arts slackers off the hook for their student loans.
I bet, you have so many accounts to post from; you can even moderate yourself up and vote yourself up in the firehose. Slashdot allows that to make sure they are politically correct and don't get sued for discrimination against a retard.
I bet, you have so many accounts to post from; you can even moderate yourself up and vote yourself up in the firehose.
I post comments from creimer, submit stories from cdreimer. I don't moderate but I do up/down vote in firehouse. The other four user accounts were set up with disposable email addresses and the login info tossed into the bit bucket.
Slashdot allows that to make sure they are politically correct and don't get sued for discrimination against a copyright holder.
FTFY
because you benefit from the work they do. That's what a civilization is. We all work together. Did you build your PC out of matchsticks on your Grandfather's deathbed? Did you invent the microprocessor? No? Then bugger off with your stupid right wing think tank created talking point.
You, me and everyone reading this owe those kids an education because our success was built on the backs of the last gen and our retirement will be built on the backs of the next gen. That's how this works. Anything else is just exploiting people for gain. You know this. Which is why you trot out trigger words like "Social Justice" instead of facing the real issues head on.
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I post comments from creimer, submit stories from cdreimer.
No you don't, you sociopathic liar. There wasn't even a "cdreimer" signed up here until a few months ago; until then you submitted PLENTY under creimer. More lies from our favorite sack of potatoes on stilts.
against a copyright holder.
You can't copyright a name. Go claim your "copyright" from GitHub, you fat fraud.
https://github.com/creimer
As a content creator, you must protect your copyright or risk losing it, remember? Funny how much effort you put into Slashdot, which "doesn't matter in the real world"...
eah, this is one of the more baffling aspects of modern American culture, especially on the right. They distrust every single thing about the government, but are happy to believe every single thing out of the mouths of large corporations and throw all their trust behind them.
Depends on which American you are talking to. If it's someone on the political left they tend to believe the government and not the companies. Political right is the reverse. Many exceptions of course on both sides of the aisle. Americans often like simple sound bite ideology that doesn't require them to think too hard especially when there is a chance they are wrong.
What makes this even less understandable is that one of those entities has a clear motive for lying to you quite a lot of the time, and the other doesn't... and many people will still put their trust behind the party that has clear motive to be dishonest every time.
That's because they tend to put their faith in whichever party best services their pre-existing confirmation bias. Whether what the party says is true or logical or sensible seems to play little role in their decision making. If they think government = evil then they will probably vote reliably republican even if that actually goes against their own self interest. Basically about 40% of the population will vote democrat no matter what and 40% will vote republican no matter what. It's not logical but that's what happens.
You can't copyright a name. Go claim your "copyright" from GitHub, you fat fraud.
https://github.com/creimer
I don't publish content under my legal name because my legal name isn't unique.
As a content creator, you must protect your copyright or risk losing it, remember?
Yes, C.D. Reimer. Not creimer of Germany, not creimer of Women.
Go ahead and try to sign up variations of the name "creimer". Either Slashdot took pity on this medical moron, or he actually signed up dozens of variations of cdreimer. c.d.reimer, cd.reimer, cdreimer. , .c.reimer. , etc, are all taken. They weren't just a few months ago.
Why this obtuse uneducated mass of adipose gets special treatment is a mystery. Plus he's a complete and accomplished liar. Look how he claimed to "submit stories from cdreimer"... What a tool.
https://slashdot.org/~creimer/submissions
Look, the evidence is right there! Check it before Slashdot cleans up yet another creimess.
(source)
Too bad your pen name is not a copyrightable entity. Further, too bad that your pseudonym isn't really a pseudonym at all, since it is a diminutive form of your legal name (C. D. are your initials, Reimer is your last name - not particularly inventive, n'est-ce pas?), and thus not considered fictitious.
Your WORK is copyrightable, amateurish and idiotic as it may be. Your NAME is not copyrightable, nor is it a pseudonym. These standards are published by the US Copyright Office - please show your work and explain how you arrive at your claims of "copyright" infringement?
Your ONLY legitimate claim was for violation of Slashdot's TOS. You have NO copyright claim against someone else using the name 'cdreimer' unless they are actually posting material on Slashdot for which you hold the copyrights, and which are not covered by fair use exceptions.
I don't expect you to understand this, but I'm going to keep calling out these bullshit copyright claims whenever I see you make them. Maybe someday, something about this topic will sink into that thick bony sphere you call a skull. Until then, I'll amuse myself by pointing out how ass-backwards WRONG you are, repeatedly.
2007 - You borrow $31k to go to school. You don't pay income taxes on it because you didn't make the money, you borrowed it. You will pay income taxes on it when you earn the $31k that you use to pay back the loan.
2017 - Creditor cancels the debt. You no longer have to pay it back. The money you received in 2007 now becomes income (just like winning the lottery) instead of a loan, and you owe taxes on it. The IRS is actually being generous by assessing taxes on it in 2017, instead of assessing it back in 2007 when you actually received the money.
Likewise from the lenders side:
2007 - You lend $31k to someone. You already paid income taxes on it because you earned that money previously and it was sitting in your bank account.
2017 - You cancel the debt. Since the money effectively vanished from your account, you shouldn't have had to have paid taxes on it when you earned it. Consequently, the IRS allows you to take a tax deduction for the loss, thereby canceling out the taxes you paid for the money when you first made it. The tax liability for the money is instead shifted over to the person who now has the money - the borrower whose debt was forgiven.
We just went through this with missing mortgage paper work. In the case at hand the mortgage holder had zero evidence of owning the mortgage other than it was listed in their computer. In fact the mortgage may not have been owned by the claimant at all. No proof was available. But the justice system was aware that the problem was so common that the national economy could take too big a hit if outfits like Fannie Mae could not prove ownership of mortgages they claimed to own. The state courts wiggled out of the situation by denying hearing cases completely. therefore Fannie Mae owns what they claim they own. Now the question will quickly become how will banks survive if they can not collect the money they supposedly are due to collect. If all of this sounds absurd to you keep in mind one simple fact that has come to light. Some people lost their homes who never ever had a mortgage in the first place. They lost the homes by institutions making phony claims of ownership. There have even been cases of outsiders sneaking files into public records in order to cause legal hell for judges who punished them or other motives for revenge. The process for removing a false file can be long, expensive and have a dubious resolution. People deliberately take jobs in which they have access to public files such as working for a security service or cleaning service and then do their worst after hours when no one sees what goes on. Rather than using a computer it is often a matter of opening a file cabinet and inserting false documents.
C. D. are your initials, Reimer is your last name - not particularly inventive, n'est-ce pas?
My father called me Christopher Dale (think Christopher Robin from Winnie the Pooh, who was the author's son). C.D. is also a gender-neutral name. Since I find myself working with female editors and creating short stories with lead female characters, a gender-neutral name helps in attracting female readers.
Your ONLY legitimate claim was for violation of Slashdot's TOS.
Fake accounts created for the expressed purpose of harassing another user qualifies as a TOS violation.
C. D. are your initials, Reimer is your last name - not particularly inventive, n'est-ce pas?
My father called me Christopher Dale (think Christopher Robin from Winnie the Pooh, who was the author's son). ....
I would rather think "football player", may I?
Go ahead and try to sign up variations of the name "creimer". Either Slashdot took pity on this medical moron, or he actually signed up dozens of variations of cdreimer. c.d.reimer, cd.reimer, cdreimer. , .c.reimer. , etc, are all taken. They weren't just a few months ago.
I've noticed that too. I suspect management did that. After all, I did fire a DMCA takedown notice across their bow.
https://slashdot.org/~creimer/submissions
If you had reading glasses, you would notice that the last time I submitted a story under creimer was 14 months ago. I've submitted seven stories in the last month under cdreimer.
Look, the evidence is right there!
Still looking for Hillary's emails?
"I don't publish content under my legal name because my legal name isn't unique."
You literally FIVE MINUTES ago boasted that you publish content under cdreimer right here!
How the fuck does that defective mass of useless fat inside your skull manage to figure out breathing?
How does your neck handle the hundred of Gs from the constant flip-flopping? You change your story more often than Mitt Romney during a debate!
you sound angry, bro
"I don't publish content under my legal name because my legal name isn't unique."
You literally FIVE MINUTES ago boasted that you publish content under cdreimer right here!
C.D. Reimer isn't my legal name.
How the fuck does that defective mass of useless fat inside your skull manage to figure out breathing?
How does your neck handle the hundred of Gs from the constant flip-flopping? You change your story more often than Mitt Romney during a debate!
I'm not the one arguing a non-existent argument.
I have over 180K in this situation.
I stopped paying in 2012, when I couldn't afford to pay it anymore. It was 2k a month.
I researched it a bit, and requested loan validation - basically requesting proof of original paperwork ownership by the lender.
There was no originals. No one had them. As soon as I requested this, the loans got sold off.
They have been sold off 9 times since then. Every time I do the same procedure - request validation of original wet signature note.
The loans are past statue of limitations in california now - which is 4 years. Even if they could find original paperwork, chances of collection are zero.
"Fake accounts created for the expressed purpose of harassing another user qualifies as a TOS violation."
So stop blabbing about your "DMCA takedown fired across their bow", which you then say they won't confirm.
And the idea of YOU writing about a female lead character is so demented it beggars belief, askance.
Yes, I've read enough of your shit to know exactly how awful it is, as well as all your various grammar foibles and incoherences.
One thing I do admire about you, is your immense self-confidence. I'm a thousand times the man you are, yet I don't have even a shred of your chutzpah. I guess humility is another of those words you have no idea what to do with. It's mind-boggling that someone with so little can make so much noise about it. But I've noticed that's usually how life works, the least qualified make the most noise.
The most qualified simply produce results. You, will end up as a wiki page, maybe.
https://en.wikipedia.org/wiki/William_McGonagall
Your various creimes against literature wouldn't even get a failing grade in high school, I'd toss them straight in the bin. No effort, sub-mediocre offenses to the printed word.
PS: You sure you don't have ancestors in Spain?
One thing I do admire about you, is your immense self-confidence.
I stopped believing what my naysayers said me about years ago.
I'm a thousand times the man you are, yet I don't have even a shred of your chutzpah. I guess humility is another of those words you have no idea what to do with.
If you had humility, you wouldn't be bragging about being a bigger prick than me.
They're all "for-profit schools".
Yes. And your "pen name" is a diminutive form of your legal name - therefore it does not qualify as a pseudonym. Even if it WAS a pseudonym, it would not be eligible for copyright protection.
Repeat after me, creimer: "NAMES ARE NOT COPYRIGHTABLE. PSEUDONYMS ARE NOT COPYRIGHTABLE. Any attempt to enforce copyrights against someone else for their use of a name that is similar to (or exactly identical to) your name is laughably unenforceable."
None of which is remotely relevant in a discussion of copyrights.
Which is why I said that it was your "ONLY legitimate claim" against the cdreimer account. Yet you persist in talking about how your "DMCA notice" got the account shut down because of "muh copyrights!"
It is absolutely evident that your imagined "copyrights" on the name "C.D. Reimer" had absolutely NOTHING to do with the takedown, and any first year law student would have laughed your DMCA request right into the shredder. Your "copyright" claim is baseless and toothless. You have NO copyrights on the name "C. D. Reimer," or "cdreimer."
You have NO copyrights on the name "C. D. Reimer," or "cdreimer."
I have copyrights in the name of C.D. Reimer. When someone creates an account in my name (or a variation thereof), has the home page link set to my website, and post as if I was posting the comment, I took immediate action to protect my copyrights.
Holy shit, are you truly this dense?
YOUR NAME, and VARIANTS OF IT, are not copyrightable. The copyrights you have are on the *works* that you have published. If somebody LINKS to your website, that is NOT an infringement of your copyrights. There is NO COURT IN THE COUNTRY that would say that this is an infringement of your copyrights. Links do not infringe on copyrights. Framing & in-lining of your content might be an infringement, but that's not what's happening here.
YOUR COPYRIGHTS ARE NOT AND HAVE NOT EVER BEEN INFRINGED BY SOMEONE MAKING A TROLL ACCOUNT TO IMPERSONATE YOU.
It is inconvenient, and it may be against the TOS Slashdot asks users to agree to when registering an account, but it does not, and will not ever, rise to the level of a copyright infringement, unless the troll begins posting your copyrighted materials in a way that you don't approve of - and that has nothing to do with the userid of the person doing the posting! If I cut & pasted one of your shitty stories here in this comment box, I'd be infringing your copyrights. If I wrote, "MY NAME IS CREIMER AND I LIKE TO POOP AND WRITE," and linked to your website, that is NOT infringing your copyrights.
Good lord, I cannot even believe you're this stupid. Here's what you can accurately & truthfully claim: "I didn't like that there was a troll using a variant of my name on Slashdot, calling me names and making me feel stupid. So I complained to the Slashdot administrators that this person was violating the TOS, and had the account shut down." It had NOTHING to do with your copyrights, real or imagined.
"I stopped believing what my naysayers said me [sic] about years [sic] ago."
Uh oh. Fat fingers keyboard mash, brain words. Anger showing, buy new keyboard. Again.
"If you had humility, you wouldn't be bragging about being a bigger prick than me."
It's simple evidence. Not bragging. To deny it would be disingenuous. Lies don't come to me as easily as they do for you.
I don't brag about not being a virgin, it's a simple fact.
When Tanya and I started paying back student loans, the *FIRST* thing we did was write each creditor and ask them for the loan documentation, and we specifically asked they show us the original agreement and copy of the signature. We also asked for documentation proving they now own the debt and that when we pay it off it will be done done.
If you don't do this, you run a damned good chance of having to pay the loan more than once.
Pretty much all of them were able to schlep up copies of paper signed years ago, along with who bought what debt from whom all the way down to the current owner. This tells me that they know they don't get paid if they screw this up.
Only one or two couldn't produce; we told them "well, if you come up with the docs, contact us; otherwise, sorry--we don't know you!".
"Reality is that which, when you stop believing in it, doesn't go away." - Philip K. Dick
I didn't like that there was a troll using a variant of my name on Slashdot, calling me names and making me feel stupid.
ROFL
Actually, you protected nothing, you got your fat face on a bunch of dick picks on the internet and here, and you spent an insane amount of time on all this. They then created more accounts so you'd jump through more hoops like a good little monkey. Then they got bored and got you fighting a script now and posting about it for our viewing pleasure. You didn't even get the last account that was in your name. It only had two comments. Because they got bored spending time posting. Only so much funny can be produced on a single topic, no matter how fat it is.
you want people making fun of an ugly loser spammer reject to have humility while doing it? you should go pray for that, maybe they'll get some.
[...] you got your fat face on a bunch of dick picks on the internet and here [...]
Soon to become a YouTube video as I explain how to take down dick pics from Russian image websites using Google Chrome's "translate to English" feature.
You didn't even get the last account that was in your name. It only had two comments.
That account doesn't exist. Otherwise, post the name of the account.
Can some black hat please please DDOS all sites affiliated with this trolll? Sometimes hosting providers like dreamhost suspend accounts when they become too problematic, it occurred before.
What are you laughing about - did you find a piece of candy in your pocket?
So your response when it's laid out for you in simple, black and white terms is to ignore the data presented, and just "ROFL"?
Thanks for conceding the points, chump. Can we expect you to stop whining about your copyrights and the DMCA now?
Can some black hat please please DDOS all sites affiliated with this trolll?
You must be very desperate to have my websites and YouTube account targeted for DDOS.
Sometimes hosting providers like dreamhost suspend accounts when they become too problematic, it occurred before.
My web hosting account has been holding up quite well from the extra gigabytes of Slashdot traffic.
What are you laughing about - did you find a piece of candy in your pocket?
That you think that three months of dog piling my comments, creating fake accounts and posting dick picks had taken a toll on me on emotionally. That's funny. Only 14-year-old wankers think their actions has any affect on the world. As one of my friends told me after reading the comments, "These people need to get a life."
Okay, so here's the deal with Debt Validation Letters.
If you use a DVL to attempt to skirt a valid debt - that is one you entered into in good faith - chances are you are going to end up on the wrong side of a civil suit, or worse, a criminal prosecution. The odds of you getting "lucky" and your debt servicer NOT having copies of the original paperwork are *incredibly slim* or none at all. A very small percentage of paperweights (what we call them in the debt industry) will be defective to the extent the debt would be invalidated (which you still have to have done in court, btw).
Here's another thing about DVLs. There is no time limit to respond. A servicer can sit on it as long as they like if the debt is valid. There is no law or rule that says a debt is automatically invalidated if a servicer does not respond in a certain time window. And, if the debt is valid, you will still have to pay it eventually, because the statute of limitations does not expire a valid debt.
So, let's say you are maliciously trying to have a valid debt expunged. A servicer can receive your DVL, go quiet while it does all the research it can on you and works with the authorities to build a case against you for fraud, and then 2 years later when you're in the middle of trying to buy that first home or when your wife is in the hospital with cancer, they will show up with the authorities and ruin your life with the evidence that the debt is valid and you knew it.
So, go ahead and take your chances. I have seen this happen more than once when typically young, naive borrowers fall for the "fix your credit" or "erase your student loan" internet scams that ask you to write a DVL to all of your creditors. I've seen stiff penalties and jail time handed out... so... just keep that in mind before you decide to go that route...
This only makes sense if I allow you to maintain the fiction that "copyright" was ever the issue with the troll accounts. I won't. Copyright was not, and never was, the issue. The ONLY reason you got the troll account closed was that you complained to management about how it was a violation of the TOS.
Slashdot's editors didn't close it because "creimer's copyrights!" They closed it because you cried to them about how upset you were. It's funny that you keep trying to pass this off as simply a "copyright" action that you took as a business decision, though. I'd ROFL, but you're too fucking sad.
The ONLY reason you got the troll account closed was that you complained to management about how it was a violation of the TOS.
Management never explained why they deleted all five accounts. The first one was requested under DMCA, and the other four I pointed out with the expectation that nothing would be done.
It's funny that you keep trying to pass this off as simply a "copyright" action that you took as a business decision, though.
I filed many DMCA takedown notices in the last 10 years. Slashdot wasn't anything out of the ordinary. Once I had the contact info for the Russian image websites in a spreadsheet, it took only five minutes to copy, paste and send each one off.
So, like 3 people?
" When someone creates an account in my name (or a variation thereof)"
Better take immediate action here to protect your copyrights.
https://github.com/creimer
As a content creator, you must protect your copyrights or risk losing them.
I got a Black Amazon Dot, which matches my vintage 2006 Black Macbook.
Yeah, figured the fat fuck would ignore this. He doesn't have a stilt to stand on, the potato-sack-shaped Barbapapa.
What are you laughing about - did you find a piece of candy in your pocket?
Even better, I forgot I had those delivered to the office and I just found out about them:
https://tinyurl.com/ycvpsxvx
https://tinyurl.com/y9zg7a3x
https://tinyurl.com/y8cmua94
-creimer
--
There are 10 kinds of people on Slashdot. Which kind are you? https://www.cdreimer.com/slash...
While real accounts can proudly declare they're here to spam people to make some extra pennies. Who cares about the TOS. You have zero idea why they took those down. Given that you getting the first one removed created a shit-ton more, I'm going to guess those were created just to have you take them down. Before they switched to you having you battle a script. You ever go back and check if those picture links are down? About a third are up by my quick glance. Since I don't see your slashdot comments disappearing from a search for you, you just did some damage to your career and personal relationships. Hope those pennies were worth it.
Due to bloom.bg/1O04ymn
Casteism
I did not work in the educational loan industry, but I did work in the mortgage industry.
From 2001-2004ish, when Bank A sold loans to Bank B, Bank B would have us do the due diligence on them. Track down all the paperwork and make sure everything was legit.
It was never all legit.
Never.
(Except when Bank A was selling loans to Fannie Mae or Freddie Mac, because they didn't want to screw over the feds and end up in prison.)
Every single time there were multiple copies of the same loan in the bundle. Usually a third of the loans in the bundle were duplicates. Sometimes more.
This wasn't a fluke, and only one or two bad apples did it. Nope, it was industry wide practice, as far as I could tell. Even the banks that hired us to ferret out the dupes tried to sell duplicates to other banks. It's not like the practice started just as we got into business, and it sure didn't go away when we went under (largest client stiffed us for over a year). Some of our clients, when we brought this to their attention, went through their old records, discovered they had bought multiple copies of the same loan, and then sold the same loan to different banks. So you would have God knows how many banks all thinking they owned the same loan.
And that's not even beginning to count all the other paperwork errors we would find. People mistype stuff, numbers get transposed, names get mixed up. Even if everything is correct, sometimes the paperwork gets lost: courthouses burn down sometimes, and they loose all their records. Or they are flooded, or the bank that owned the loan for a while moved their records to an off-site facility and the clerks didn't want to go there because it is dusty and "gross", so they just rubber stamp the legal documents asking them to swear that the info is correct, or their records are lost in flood/fire/coffee spills/lost in the move/termites/silverfish/rats!. I imagine on the student loans, which does not require paperwork to be filed with the county or state or town, that the record keeping is at least as sloppy, and perhaps the problems worse!
So yeah, it's not just "people who don't want to pay their debt" it is very often "people who don't actually owe the bank/lender who claims they owe them" and the lender/bank may not be crooked, they may legitimately think they are owed that debt, but were sold worthless paper.
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