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So what's going to happen to my account ? Help please

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scaredpoet said:
Let's say you had two iPhone 6s, and I asked to buy them both from you, but before I do that, I tell you that I want to see if the phones are in good condition first. So, you let me handle the phones.

Then, I "accidentally" bend one, and I "misplace" the other behind a bush or something so that it can't be "found."

The I tell you "OMG this is a huge accident I'm so sorry! But I don't have the money to pay for these phones I told you I wanted to buy. It's all a big mistake, and I can't pay... won't you please understand?"

Would you understand and walk away with no phones and no money?
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You got me convinced and I trust you!;)
 
What about just paying your bills like you would have to do before the phones were lost? I don't see a problem..... :cool:
 
So what's going to happen to my account ? Help please

noobinator said:
Two words: Debtors' Prison
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Lol na it doesn't go that far. I'm not dumb. I just needed advice. Thanks for trying to scare me though.

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TWO2SEVEN said:
The OPs always seem to disappear when these thread go the direction of doing the right thing. :)
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I didn't disappear just busy so I check back fete every now and then. I didn't do anything wrong it was a mistake and I'm trying to get advice because I can't pay the money for those phones.
 
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Shaqq said:
Lol na it doesn't go that far. I'm not dumb. I just needed advice. Thanks for trying to scare me though.

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I didn't disappear just busy so I check back fete every now and then. I didn't do anything wrong it was a mistake and I'm trying to get advice because I can't pay the money for those phones.
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Why 2 accounts?
 
Shaqq said:
I didn't disappear just busy so I check back fete every now and then. I didn't do anything wrong it was a mistake and I'm trying to get advice because I can't pay the money for those phones.
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You may not have done anything wrong yet, but not paying the money and fulfilling your obligation is wrong.

Did you really think anyone here would have a solution that involved you not paying the money that you owe?
 
TWO2SEVEN said:
You may not have done anything wrong yet, but not paying the money and fulfilling your obligation is wrong.



Did you really think anyone here would have a solution that involved you not paying the money that you owe?
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No I didn't think that but I just wanted some real advice on what to do.
 
Insurance sounds good but it would be for only one phone they would not cover both the broken one and the one that vanished in thin air. Likely they would cover the one in service that he is using now.
 
TWO2SEVEN said:
Real advice: PAY WHAT YOU OWE!!!!



People have been saying that since the beginning, but you are ignoring it because it's not what you want to hear or do.
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I didn't say I didn't wanna hear that. I just said I don't have the money to pay two phones.
 
Newtons Apple said:
Likely they would cover the one in service that he is using now.
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This is true for Asurion - they only cover the device that is currently on the line.

So he would have to pay the deductible for the 1 and then full price for the other. Why he didn't make the insurance claim right after the 1st one was "misplaced" idk.

If OP doesn't have the cash to pay back TMobile, then he needs to get a job or a second job if he already has a job. And if he already has a second job, he needs to get a third job.

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Shaqq said:
I didn't say I didn't wanna hear that. I just said I don't have the money to pay two phones.
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See my post above about getting a job. HTH.
 
noobinator said:
Seems your only option here is to ignore it and ruin your credit.
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Did you read the beginning of the thread about that option? It doesn't work that way. They will sell your debt to a collection agency, who will then pursue a judgment against you. When they get that judgment, they tack on their collection costs, interest and attorneys fees and can then levy against your bank account. One day, you go to use an ATM and all your money is gone and your checks start bouncing.

So the ignore it and ruin your credit option doesn't mean you don't eventually have to pay for the phones. You will eventually pay for the phones PLUS collection costs, interest, and attorneys fees.
 
JulesJam said:
Did you read the beginning of the thread about that option? It doesn't work that way. They will sell your debt to a collection agency, who will then pursue a judgment against you. When they get that judgment, they tack on their collection costs, interest and attorneys fees and can then levy against your bank account. One day, you go to use an ATM and all your money is gone and your checks start bouncing.

So the ignore it and ruin your credit option doesn't mean you don't eventually have to pay for the phones. You will eventually pay for the phones PLUS collection costs, interest, and attorneys fees.
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It could work that way. Not all uncollected debt results in a judgement and/or garnishment.
 
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JulesJam said:
Did you read the beginning of the thread about that option? It doesn't work that way. They will sell your debt to a collection agency, who will then pursue a judgment against you. When they get that judgment, they tack on their collection costs, interest and attorneys fees and can then levy against your bank account. One day, you go to use an ATM and all your money is gone and your checks start bouncing.

So the ignore it and ruin your credit option doesn't mean you don't eventually have to pay for the phones. You will eventually pay for the phones PLUS collection costs, interest, and attorneys fees.
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They are not going to go to court and hire attorneys for the price of 2 iPhones.
 
noobinator said:
They are not going to go to court and hire attorneys for the price of 2 iPhones.
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If you think for one minute they won't go to court for $1500 you are woefully ignorant of the realities of the collection business. And $1500 is if the 2 iP6+ were both only 16GB each!

The collection agency simply files in small claims court. Most of the time the debtors don't show and they get a default judgment for the price of the small claims court filing fee. It is ridiculously simply to write up a complaint for an outstanding debt like that - they use forms and just insert the creditor's name, debtor's name and the amount owed. And the small claims court filing fees are cheap.

You are just plain old wrong on that. They don't hire attorneys as I stated - they sell the debt to a collection agency. You don't know what you are talking about.

TMobile would not be coming after you. The collection agency who purchased the debt from TMobile will and they for sure will come after you for the money. That is the business they are in.
 
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