What happens if you cant pay your bill?

Discussion in 'iPhone' started by AppleNewYork, Jul 14, 2009.

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  1. AppleNewYork macrumors member

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    Mar 28, 2009
    #1
    You buy a 32GB iPhone and you use it for a few months, but you realize you really cannot afford it. What happens then? Does ATT cancel you... or do you basically just have a 32GB iPod Touch with a camera?
     
  2. samcraig macrumors P6

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    Jun 22, 2009
    #2
    Well your credit rating goes in the crapper when they send a collections agency after you
     
  3. str8spd2001 macrumors regular

    str8spd2001

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    Los Angeles
    #3
    That and a hit on your credit rating. Why go throuh all the trouble if you won't be able to keep up the payment?
     
  4. SpaceKitty macrumors 68040

    SpaceKitty

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    Fort Collins Colorado
    #4
    They will suspend your service after a few weeks and then send you a bill and give you a chance to pay it. If you can then pay it, they will charge you a fee to turn the service back on.
     
  5. matttye macrumors 601

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    Lincoln, England
    #5
    Late payment fees are ridiculous. There's usually a reason people can't pay on time in the first place!
     
  6. dukebound85 macrumors P6

    dukebound85

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    #6
    ye its not good.

    a bad credit will affect many many other things in your life

    dont ef it up
     
  7. AppleNewYork thread starter macrumors member

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    #7
    but you still keep the iphone right?
     
  8. pdjudd macrumors 601

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    Plymouth, MN
    #8
    And don't sign contacts that you are not willing to fulfill.
     
  9. samcraig macrumors P6

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    #9
    A better question is why someone would buy one of the most expensive consumer phones when they would not be in a position to afford it. Priorities.
     
  10. SpaceKitty macrumors 68040

    SpaceKitty

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    #10
    Yes. After the first 30 days.
     
  11. H$R macrumors 6502

    H$R

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    Switzerland
    #11
    I guess you're referring to your other thread here: http://forums.macrumors.com/showthread.php?p=8083351

    If you already know you can't afford it, don't buy it. It wil save you a lot of hassle and cash.
    It also goes the same for the bigger MBP in your other thread. If you can't afford it, don't buy it.

    Look at the thread in the link.
     
  12. outphase macrumors 65816

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    #12
    I hope you aren't planning on going delinquent on your bill just to keep your iPhone. Is it worth the damage to your credit score? Is it worth the additional associated late and collection fees?
     
  13. ski2moro macrumors 6502

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  14. AppleNewYork thread starter macrumors member

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  15. SpaceKitty macrumors 68040

    SpaceKitty

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    #15
    Sounds like it to me.
     
  16. eawmp1 macrumors 601

    eawmp1

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    FL
    #16
    SIGH - YOU are the reason the economy is in the toilet. Live within your means. Learn the difference between a WANT and a NEED.
     
  17. -aggie- macrumors P6

    -aggie-

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    #17
    No, the collection agency comes by at night and takes the iPhone from you! ;)

    Yes, you get to keep the iPhone, unless they want to sue for that. The main thing is you're credit is going to ruined and you're going to end up paying a lot more than the price of an iPhone.
     
  18. SpaceKitty macrumors 68040

    SpaceKitty

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    #18
    About $75 or so on the lowest possible plan.
     
  19. outphase macrumors 65816

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    #19
    Base plan is $70 without taxes and fees. This can be at least $10 more.

    +1
     
  20. samcraig macrumors P6

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    Jun 22, 2009
    #20
    Still doesn't answer the question. If you are thinking of defaulting on your commitment/contract with ATT because you can't afford something - perhaps you shouldn't be looking to buy the most expensive phone on their plan.

    It's not just the OPs problem - it's the USA in general. People like to live outside (sometimes WAY outside) their means. While the financial institutions are not blameless - PEOPLE, more than even, have a sense of entitlement and rush to get into something with the hopes they can weasel themselves out of trouble when the time comes....
     
  21. dukebound85 macrumors P6

    dukebound85

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    #21
    for 24 months too
     
  22. ski2moro macrumors 6502

    Joined:
    May 3, 2007
    #22
    I smell trouble. He doesn't want to know about not affording an iPhone contract, he wants to know how he can get a 32 gig iPhone and not pay for service.

    Check his other posts. Today, he is asking about 13 or 15 MacBook, too.
     
  23. MavsX macrumors member

    MavsX

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    Jun 18, 2009
  24. patrickdunn macrumors 6502a

    patrickdunn

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    Apr 16, 2009
    Location:
    St. Louis, MO
    #24
    Sell your iphone on ebay, use that money to pay the amount you owe +ETF and cut your losses. Then get a pay-as-you-go phone.
     
  25. -aggie- macrumors P6

    -aggie-

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    #25
    Wow! You're right. What a LOSER!!! Please go away OP!!
     
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