My daughter was just offered a job

Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:01 PM Original message

My daughter was just offered a job

A thoroughly disgusting job. Pays $12/hour. What is it? You go to parking lots (like Walmart) with a handheld computer and enter license numbers. If the car is on someone's repo list, a tow truck trots to the scene and hauls it off. I don't know about anyone else--but I would rather starve and lose everything I own than do a job like this.:puke:

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Duer 157099 (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:03 PM Response to Original message

1. I'm with you. Some things are not worth any price. n/t

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CaliforniaPeggy (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:04 PM Response to Original message

2. Oh, NO.

Oh, I hope she can find something else. That is horrifying. I wouldn't do it, either...but I'm not desperate. x(

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Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:07 PM Response to Reply #2

5. She didn't consider it

She answered an ad and left when she found out the deal. However, she said there was a line of people there...

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Ruby the Liberal (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:04 PM Response to Original message

3. Who pays for that?

A company contracted by the banks or the towing companies? That is a bizarre position to hire for. If GMAC is financing a vehicle, and the service is contracted by Ford Motor Credit, does GMAC just get a free ride on the coincidence? I am really hating that car dealers were exempted from the new Consumer Finance Protection legislation...

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Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:06 PM Response to Reply #3

4. Private company

What else? My guess is that they are contracted with all of the big financiers.:(

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Ruby the Liberal (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:10 PM Response to Reply #4

7. What a soul-destroying business to be in.

Edited on Sat Jun-26-10 08:12 PM by Ruby the Liberal They repo you at home or work, fine. They repo you when you are buying groceries/sundries at the Walmart with your kids and no way of getting the food home, not fine.

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:11 PM Response to Reply #7

79. The main reason they would repo you at Walmart is because you hid your vehicle from its rightful

owner. If you kept your car at home and work they would have taken it already.

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redwitch (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:28 PM Response to Reply #79

90. "because you hid your vehicle from its rightful owner"

So many deadbeats. What a sucky attitude. People are really hurting and you side with the banks?????

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 12:54 AM Response to Reply #90

110. If you don't make the payments you got to turn the car in...

Whats next they cut off my cable because I refused to give them money? Using something that isn't yours is not a civil right. If you don't want your car repoed buy a junker with cash. (something I have done on more than one occasion)

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jmowreader (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 04:59 PM Response to Reply #79

99. That's not "hiding it from its rightful owner"

Driving the car to Walmart is something someone would be expected to do--you gotta get bread and milk somewhere, right? Putting the car in a warehouse so the repo men couldn't find it would be hiding it from its rightful owner.

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 12:52 AM Response to Reply #99

109. If you had not hid it they would have picked it up long before you drove to Walmart.

(In most cases mileage may vary please see your repo man for details)

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jmowreader (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 01:58 AM Response to Reply #109

111. Not necessarily

How many repo men could there possibly be? This is a big country with relatively few people trying to repossess cars; they can't be everywhere at once.

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tammywammy (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:13 PM Response to Reply #3

80. The finance company contracts out with someone

I used to put mechanic's liens on vehicles. One of the first steps is notifying the owner and if there was a bank lien on the car, where it was at and what the amount owed on it was. There were so many days before we'd sell a car at auction to recoup our cost. The bank will contract out with a local tow company to pick up a vehicle to take it to their lot. Usually at this point if they're not paying for repairs on the vehicle, the owner is behind on payments, so if there was a bank lien they'd hurry to pay us and pick up the vehicle.

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lunatica (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:07 PM Response to Original message

6. What a horrid job!

I hope she doesn't have to take it.

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Dawson Leery (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:12 PM Response to Original message

8. And if they get a wrong car?

:puke:

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EmeraldCityGrl (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:16 PM Response to Original message

9. They have software now

that they install into their tow trucks. Cameras and a laptop is all you need. They then drive through parking lots and neighborhoods and the software records all the license plates via computer recognition. They remove the car on the spot. This technology is truly evil and most of it that's being developed works against peoples better interests.

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Dawson Leery (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:17 PM Response to Reply #9

10. What about wrongful repo?

It happens.

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JHB (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:25 PM Response to Reply #10

29. don't know, but at a guess...

...you go through hell -- at your own expense -- to prove they are wrong. Don't count on getting back any property you'd had in your car at the time. And once it's over, don't think you're clear. Bad data lives forever, so be ready for when your car is back on their list, and it all happens again.

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Dawson Leery (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 11:46 PM Response to Reply #29

37. So repo men are thieves, I see.

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JHB (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:07 AM Response to Reply #37

39. If they take your car without a legitimate claim on it...

...then that's exactly what they are. And if it's because of a mistake....so what? maybe they shouldn't make those mistakes.

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Dawson Leery (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:13 AM Response to Reply #39

43. You bet they shouldn't make those mistakes.

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Incitatus (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:24 AM Response to Reply #39

45. If someone's vehicle is unjustly repossessed, then that is clearly wrong.

and the victim should be compensated. I doubt that is the case in most incidents, with which so many people seem to be disgusted.

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activa8tr (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 07:35 AM Response to Reply #45

51. Good luck with the innocent victim getting "compensated" very much..

I doubt the victim gets more than $100 for their inconvenience.

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xocet (699 posts) Send PM | Profile | Ignore

Sun Jun-27-10 04:49 PM Response to Reply #45

98. Other Considerations for Repo Men....

Texas Repo man shot in the head, arms : (http://procra.com/index.php?option=com_content&view=article&id=188:-texas-repo-man-shot-in-the-head-arms&catid=34:procra-articles) Violence against Repo Men on the Rise : (http://www.nbcnewyork.com/news/business/Violence-Against-Repo-Men-on-the-Rise.html)

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ProgressiveProfessor (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 09:37 AM Response to Reply #10

58. Technically Grand Theft Auto. though prosecution is at the discretion of the local gov atty

I had some one break into my property with intent to repo a car that was not there. Had the wrong the place. Bypassed a security gate to to it and damaged a door into an out building. Cops got there in time so I did not have to take direct action. I had his tow truck towed to the opposite end of the county.

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snooper2 (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:03 PM Response to Reply #10

68. rarely ever happens, they check the VIN numbers just for that reason

But of course let's just throw the whole repo industry under the bus... You should be given a car on credit, and just pay whatever you can each month, or every couple months even if it's only $15.

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tammywammy (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:14 PM Response to Reply #10

81. Rarely, they check the VIN on cars to be sure they're picking up the right one. n/t

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Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:18 PM Response to Reply #9

11. That is truly evil n/t

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ejpoeta (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:32 PM Response to Reply #9

14. if you watch parking wars that sounds like the software they have.

they just drive around checking license plates for people to put a boot on for parking tickets. then there are a few repo shows my hubby likes to watch. yech. i couldn't do that job. i have had a tractor repoed before.... it's humiliating. though, i did not fault the people who came for it who were , btw the people we bought it from. they had been very understanding. but to have people troll through parking lots at walmart and look for cars to repo..... sickening.

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treestar (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 08:53 AM Response to Reply #9

53. Oh great , arrgh. I was thinking it was at least a job that can't be outsourced

Someday the techs will figure out how people can spot these cars via google earth from India.

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sandnsea (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:20 PM Response to Original message

12. Maybe she could choose by sticker

You know, start with the ones that still have the "W" or "McCain/Palin" and go from there. That really has got to be one of the worst jobs I've ever heard of. I hope something comes up for her soon.

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Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:22 PM Response to Reply #12

13. LOL. Profiling. I like it,lol.

She has a job--the same one before she went to college. She got a small raise and some added responsibility, but she is still looking for something a little better. She realized this wasn't it!

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pinboy3niner (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 09:03 PM Response to Reply #12

18. LOL--I love it!

After all, businesses consider it an asset when an employee knows how to PRIORITIZE... :hi:

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:08 PM Response to Reply #12

77. Or just hang out in titty bar parking lots... plenty of people with poor money management skills

Edited on Sun Jun-27-10 01:09 PM by SunnySong there. On edit the more I think about it the more fun this job could be (heads to Dallas Cowboys home game parking lot)

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HillWilliam (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 12:05 PM Response to Reply #77

128. Greensboro has the hot setup, then

We've got a titty-bar and car wash all in one!

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davidinalameda (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:35 PM Response to Original message

15. your daughter is lucky

there are lots of people who don't have the luxury to say no to a job in this economy

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raccoon (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 10:30 AM Response to Reply #15

148. Amen to that. I take it the daughter lives with her parent, the OP?

Lucky her. Some people's parents won't go for that.

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raccoon (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 10:30 AM Response to Reply #15

149. duplicate post, deleted. nt

Edited on Tue Jun-29-10 10:30 AM by raccoon

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MrsBrady (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:36 PM Response to Original message

16. well I'm taking a week long "temp job" on the executive floor

of a company in downtown fort worth. I have worked as an executive admin AND AS a recruiter. You know how much it pays? $9.00 per hour. 9 freaking dollars. I was making 9 dollars a freaking hour 20 years ago. I would take that for $12 dollars an hour. They need help in Fort Worth? :banghead:

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Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 08:42 PM Response to Reply #16

17. If you are interested

I can ask her for contact details when she gets home and pm them to you. I'm sure it is for the entire state.

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TheDebbieDee (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 09:21 PM Response to Original message

19. If I've been unemployed for a while, $12 an hour, to do anything,

sounds good to me. Yeah, it's a lousy way to earn a living, but it's a living.

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 09:26 PM Response to Original message

20. What does Walmart have to do with it? nt

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dflprincess (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 09:29 PM Response to Reply #20

21. An example of a place with a large parking lot

where there is a better chance of finding a vehicle to repo. I imagine parking lots are also an easier place for this than check cars parked on the street.

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 09:32 PM Response to Reply #21

22. I don't see anything wrong with this job.

Just assume that every car being repo'd is a Republican fundie teabagger blahblahblah.

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dflprincess (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 09:54 PM Response to Reply #22

24. I think it's a job most people wouldn't take unless they were really desperate

and I understand that. I do not understand why someone who had other options would take a job that just make life harder for someone having financial problems. And, we haven't heard what happens when the wrong car is towed. All it takes is someone transposing a couple letters or numbers on the license plate or VIN for that to happend.

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superconnected (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:10 AM Response to Reply #22

42. When actually half will likely be Dems, and most will most likely be peopel who were laid off and

Edited on Sun Jun-27-10 12:16 AM by superconnected lost their homes. You know, most people lose their car last right? I bet you'd have a great laugh standing there watching the people with their kids and groceries suddenly in am emergency situation to get home, and out there wondering if the car got stolen. I remember the minute when I got off my commuter bus and my car really was stolen - it was traumatizing. I can imagine how much fun that would be with small children and groceries! Why not write the person who posted about this job, and ask for the info so you can have the job?

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:32 AM Response to Reply #42

48. I have a job, thanks.

And not making a car payment doesn't make one a saint. I know we're supposed to assume that people are OWED cars, but that's not true.

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 10:42 AM Response to Reply #42

60. Yeah cause people who don't make car payments are all orphens and saints...

chances are if they were hiding their cars from the repo man in the first place which is why the car wasn't picked up initially at their place of residence. I have had a car repoed on me when I was much younger and it sucked but guess what it was nobodies fault but my own.

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demtenjeep (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 09:32 PM Response to Original message

23. HEll, I have a wedding to pay for, give me the number, I will do it

.

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TransitJohn (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 09:56 PM Response to Original message

25. Twelve bucks is pretty good money if she is single with no dependents.

You can totally make it on that alone. Tell her good luck, and it doesn't have to be forever!

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tabasco (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:03 PM Response to Original message

26. I'll take it.

Where do I apply? People that don't pay for their shit need to give it back. Most repos are not people driving Corollas as basic transportation. It's usually your hummers, vettes and tricked out pickup trucks.

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Stargazer09 (625 posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:03 PM Response to Original message

27. That's awful

What happens if it's some poor mother with her kids, thinking that she can take her family and food home with her? Yes, I know the drill. If she's behind in her payments, the finance company has the right to repossess the car. But those same finance companies almost always have the home address of the person financing the car, so why can't they just send a tow truck to that address? Why leave someone stuck in a public place with no way to get home? I'm glad she didn't take the job.

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:01 AM Response to Reply #27

38. thye usually do as a first resort. but many of these scofflaws hide the car at a relatives

or friends house. nt

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Stargazer09 (625 posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:16 AM Response to Reply #38

44. That makes sense

I guess I'm too much of a law-abiding citizen to think about hiding the car somewhere else. But then again, I have been fortunate enough to be able to continue making my car payments. I realize that some people can't.

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tammywammy (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:09 PM Response to Reply #38

78. Yeah

At my last job a co-worker was afraid of getting her car repoed and hid it in one of our areas so they couldn't find it. Honestly, she made more money than me and her car payment was crazy low. I didn't have much sympathy, since I knew where she spent her money...shopping.

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aikoaiko (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:11 PM Response to Original message

28. Not an ideal job, but I'd do it to survive.

When I was in college and broke, I almost took a job at a research center where it would have been my job to gas and then cremate dogs that were done being experimented upon. I would have taken it because I was truly broke, but I knew I was going to cry every night.

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:48 PM Response to Original message

30. I'm at a loss why this job is so disgusting... How is this any different than being a traffic cop? n

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Iggo (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:52 PM Response to Reply #30

32. Traffic cops don't steal cars.

Edited on Sat Jun-26-10 10:56 PM by Iggo

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:54 PM Response to Reply #32

33. Maybe not the ones in your neck of the woods around here they will boot you or two in if you are a

scofflaw. And BTW repo men don't steal cars I believe the thief in question is the person who drove it without paying for it.

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Iggo (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:56 PM Response to Reply #33

34. I've done it.

We snuck around in the middle of the night and stole people's cars.

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Incitatus (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:07 AM Response to Reply #34

40. Repossessing is not stealing. nt

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treestar (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 08:55 AM Response to Reply #40

55. Right. This is like the right wing saying taxes are "stealing."

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Codeine (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 09:40 AM Response to Reply #34

59. No, you recovered cars that had not been paid for.

You weren't stealing shit.

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Iggo (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 11:15 AM Response to Reply #59

66. You win.

Edited on Sun Jun-27-10 11:28 AM by Iggo :hi:

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a la izquierda (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:47 PM Response to Reply #33

134. I have no idea what it is about you...

maybe the fact that you hide your profile...but something about your attitude and displayed lack of humanity really sucks.

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HiFructosePronSyrup (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:56 PM Response to Reply #32

137. Neither do repo men.

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HiFructosePronSyrup (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:59 PM Response to Reply #137

138. posted in wrong spot.

Edited on Mon Jun-28-10 06:00 PM by HiFructosePronSyrup baleeted.

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Odin2005 (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:40 PM Response to Reply #30

73. It consists of being a tool of the Elites against the Working Class.

We should be confiscating the Elites' assets! These fuckers take our assests and give it to the Elites! FUCK THEM.

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 07:01 PM Response to Reply #73

102. I'm not sure most buy here pay here places would be considered elites... nt

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Iggo (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:51 PM Response to Original message

31. I worked repo for a minute.

Left a very bad taste.

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proud2BlibKansan (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:56 PM Response to Original message

35. OMG how awful

I'm sorry.

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Phoebe Loosinhouse (1000+ posts) Send PM | Profile | Ignore

Sat Jun-26-10 10:58 PM Response to Original message

36. I think most people would prefer the job over starving and losing everything they own

although I understand completely the soul sucking component of a job like this. I posted the other day about one job that I would not do under any circumstances - being in the recission department of a health insurance company. I pictured the first day on the job and the old vet showing me a chart and saying "See this here? This here is a bone spur in 1978 she didn't tell us about. Bingo! Now we can deny her breast cancer chemo and void her whole policy. And there's fifty bucks in it for me for finding it - woo hoo!"

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Incitatus (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:09 AM Response to Original message

41. It sucks for the person that has the car taken away, and sometimes for the personal responsible

Edited on Sun Jun-27-10 12:12 AM by Incitatus for the repossession, but I don't see anything immoral or unethical about it, and it certainly isn't illegal. If you buy something, you have to pay for it. Whether the lender decides to be nice and lenient it up to them, but they are not required to, regardless of the debtors circumstances.

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proteus_lives (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:24 AM Response to Original message

46. "but I would rather starve and lose everything I own than do a job like this"

Edited on Sun Jun-27-10 12:25 AM by proteus_lives Bravado. Let's see the same talk when the wolf is at the door. Edit: I'd take that job if I needed it.

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Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 08:19 AM Response to Reply #46

52. Not bravado--tis a fact

I like to sleep at night.

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proteus_lives (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:05 PM Response to Reply #52

75. With a roof over your head?

Like I said, honest work becomes less disagreeable when the wolf is at the door.

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Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:11 PM Response to Reply #75

87. Sorry.

Edited on Sun Jun-27-10 03:12 PM by Horse with no Name Even with the wolf at the door I would not do something I find this distasteful. It's not how I roll. I've had 12 wolves at my door and still managed to remain true to self. You are absolutely wrong. You might think it is "honest work". I thoroughly disagree. Sorry you are way off base thinking you know anything about ME.:shrug:

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LanternWaste (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 12:08 PM Response to Reply #75

129. And prognostications re: other people's lives becomes easier...

And prognostications re: other people's lives becomes easier the further away they really are...

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:18 AM Response to Reply #46

117. I Don't Know What I Would Do

But doesn't it come down to the simple fact in the end that if someone has to be miserable it might as well be somebody else and not me.

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donheld (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:29 AM Response to Original message

47. Tell her to take it and only do Mega-Church parking lots.

:D

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Obamanaut (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 06:34 AM Response to Original message

49. Go to a variety of parking lots (like Target, Costco) and spread the

Edited on Sun Jun-27-10 06:35 AM by Obamanaut discomfort around.

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moriah (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 06:56 AM Response to Original message

50. When I was unemployed I considered a job in collections.

I figured that if nothing else since I actually have *read* the FDCPA, it would be better for people to deal with me since I wouldn't violate their rights or lie to them. And if the place I was hired was routinely breaking the law, I'd get enough information for my state and the FTC to shut them down before I walked off the job.

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SoCalDem (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 08:53 AM Response to Original message

54. sounds a bit boring, and perhaps skin-damaging, BUT

Edited on Sun Jun-27-10 08:54 AM by SoCalDem a job's a job, and if she cannot afford to be choosy, she'll take it, and keep looking for something better. remember, that "buying" a car involves "paying money" back to the entity that actually owns that car until you pay them off.. People who skip out on car payments often skip the auto insurance & registration as well, and are out there on the same roads we all drive...just waiting to get into an accident with ...us, perhaps?..wonder why insurance costs so much?

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closeupready (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 08:56 AM Response to Original message

56. All honest work is honorable.

n/t

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Horse with no Name (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:12 PM Response to Reply #56

88. I don't think this is "honest work"

Sorry. :shrug:

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Codeine (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 09:05 AM Response to Original message

57. If a person fails to make payments on their car

then they no longer have the legal right to keep that car. I'm not sure why recovery of those cars is somehow dishonorable or shameful. Not pleasant at all to see people lose their cars, but just allowing them to keep what they haven't paid for is just as problematic. Am I glad I don't need to do this sort of thing right now? Sure. Would I do it if I needed a job? Yes I would. Only a person who has never been in dire straits would ever make a statement as silly as "I would rather starve and lose everything I own than do a job like this"; you'll do what you need to do in order to survive -- I've been homeless before and it ain't gonna happen again.

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:00 PM Response to Reply #57

85. Sometimes I wonder why certain people grouse about the price of cars

I mean, if you think you're entitled to one for free, who cares how much it costs? Just go pick one out, sign whatever piece of paper they put in front of you that clearly outlines your rights and responsibilities as a borrower, take delivery, and then pay on it if you feel like it. The mindset is baffling.

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ProudToBeBlueInRhody (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 02:55 AM Response to Reply #85

112. And make sure it's fully loaded too

Sunroof, CD player, GPS....... If you're going to be a deadbeat, do it in style.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:28 AM Response to Reply #85

122. What Percentage Of People Who

What percentage of people who can't make their house or car payment do you believe had no intention of making these payments in the first place? In a nation where nearly one in five people eligible to work are unemployed, underemployed , too discouraged to look I suspect a lot of these folks can longer pay the note on their home or car. I don't think these debts should be forgiven nor do I think they deserve to be homeless and carless.

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SunnySong (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 11:33 AM Response to Reply #122

125. i agree in princible... The problem is I have to many real life examples

of people that bought way to much car for all the wrong reasons. Years ago long before this financial crisis I did paperwork on refinancing loans for people that were struggling with their house payments. The vast majority of them had over 800 dollars a month in car payments (almost always leases to boot). Here they are struggling to pay their bills but they need to drive the latest and greatest.

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Poll_Blind (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:55 PM Response to Reply #57

136. +1

PB

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SmileyRose (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 10:45 AM Response to Original message

61. I just realized how grossly underpaid I am.

I make under $12 an hour and it requires far more skill than wandering around a parking lot carrying a fancy cellphone.

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asdjrocky (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 10:45 AM Response to Original message

62. My dad was a repo man for 38 years.

He would not have done this. I watched this man on many occasions give someone an extra month, pretend he couldn't locate the vehicle, hell, he used to tape a dime to the back of his business cards and tell people to call him if they got into trouble. We are now owned by business in America.

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adamuu (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 10:58 AM Response to Reply #62

64. does that make him a good repo man or a lousy one?

was he ever detected?

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asdjrocky (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 11:06 AM Response to Reply #64

65. Well, he did it for 38 years, never missed a day of work.

We didn't own the company and he never got fired, so he must have been doing something right. As a side, in 1978 before it was ever really heard of, my dad trained one of the first repo women, and she still thinks well of him today.

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sandnsea (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 12:50 PM Response to Reply #62

130. Sounds like a really great guy

I know the job has to be done. It sounds like your dad tried to make sure people understood the wolves were at the door before they were attacked, so to speak. Makes his job easier when the inevitable happens too, which he knew would. Things happen in life and there's just no two ways about it. Sounds like he knew that.

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adamuu (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 10:53 AM Response to Original message

63. It pays the bills.

If you can't afford your car, take the bus I guess.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:20 AM Response to Reply #63

118. What

What if you live in rural America where there is no public transportation, your husband has left you, and you have three hungry mouths to feed?

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adamuu (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 08:33 PM Response to Reply #118

145. tha bank isn't a charity.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:20 AM Response to Reply #63

119. What

What if you live in rural America where there is no public transportation, your husband has left you, and you have three hungry mouths to feed?

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:20 AM Response to Reply #63

120. .

Edited on Mon Jun-28-10 05:29 AM by DemocratSinceBirth .

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:20 AM Response to Reply #63

121. What

What if you live in rural America where there is no public transportation, your husband has left you, and you have three hungry mouths to feed?

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The Midway Rebel (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 11:54 AM Response to Original message

67. Glad to hear that you did raise up another incompassionate prick that would do anything for money.

The world has enough of those types already.

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uppityperson (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:25 PM Response to Original message

69. And every car has one of these in it.

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NoPasaran (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:30 PM Response to Reply #69

70. Plate of shrimp

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uppityperson (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 11:09 AM Response to Reply #70

124. Wow, it's incredible. I was just thinking about shrimp!

!

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thelordofhell (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 03:13 AM Response to Reply #69

114. Let's go get sushi, and not pay

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tranche (913 posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:34 PM Response to Original message

71. Unless your job is to sniff daisies, I'd say any way you sell your labor would suck.

It's punching numbers into a machine, same as about 75% of jobs in this country.

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Lorien (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 11:02 AM Response to Reply #71

154. Not at all true. Most of my friends enjoy their jobs most of the time

They are Illustrators, designers, animators, producers, film directors, zoo keepers, authors, landscape architects, interior designers, script doctors, and pastry chefs. A far cry from parking lot repo man.

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Odin2005 (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:38 PM Response to Original message

72. if I were your daughter I would refuse the job because I am not a sociopath.

Repo Men = evil assholes that are traitors of the Working Class.

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proteus_lives (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:07 PM Response to Reply #72

76. "Repo Men = evil assholes that are traitors of the Working Class."

I'm not seeing the logic in your statement. If you don't pay your bills on something you owe, you lose it. Someone has to collect it. I'm not seeing the evil here.

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tammywammy (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 01:16 PM Response to Reply #72

82. If i don't make the payments on my vehicle I know they'll come and repo it.

It's that simple and it's nicely spelled out in the contract I signed with the finance company as such. You don't get to keep cars for free.

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Odin2005 (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 02:08 PM Response to Reply #82

83. They should have to take you to court before they can repo it

Otherwise it is theft, as far as I'm concerned. And what if these bastards repo the wrong thing?

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 02:22 PM Response to Reply #83

84. Why court? You sign a contract agreeing to a repo if you don't make your payments. nt

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Odin2005 (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:23 PM Response to Reply #84

89. To make certain they are getting the right person and thing.

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:39 PM Response to Reply #89

91. Ummm...repor men know the plate number, year, make, and model.

No need for court.

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Odin2005 (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:43 PM Response to Reply #91

93. Sorry, I trust a judge better than banksters to make that decision.

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:48 PM Response to Reply #93

95. Actually, that's a great idea

Just have the hook ready to repo the car when the guy shows up at the courthouse. :rofl:

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ProgressiveProfessor (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 04:17 AM Response to Reply #91

115. Yes, but they can still really screw up

I had one arrested for B&E at my home. They bypassed a security gate and broke into an outbuilding. They had the wrong address. Police got there before things went really south. Had the truck towed away and it cost him serious $$$ to get it back.

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Codeine (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:41 PM Response to Reply #89

92. That's what plates and VIN numbers are for. nt

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tammywammy (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:54 PM Response to Reply #89

96. A VIN would easily identify the vehicle

And that's what repo men use the VIN to identify the vehicle.

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SemiCharmedQuark (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 05:02 PM Response to Reply #72

100. Oh brother!

Edited on Sun Jun-27-10 05:06 PM by SemiCharmedQuark :eyes: I bet you hate those motherfuckers at the gas company too, huh? I know how awesome you probably think that post sounded, but the truth is that repo men and other people in charge of enforcing rules are just doing their job (and for the love of sanity please don't come back with a Nazi reference here). They aren't sociopaths, just employees. Your problem is with the people that hire them.

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Odin2005 (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 07:22 PM Response to Reply #100

105. The folks doing the waterboarding at Gitmo were just "doing their job" too.

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Codeine (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 07:57 PM Response to Reply #105

106. You just equated torture with a dealer or lender recovering

property that is being illegally held. Does anybody have any sense of proportion around here?

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SemiCharmedQuark (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 08:45 PM Response to Reply #106

108. I got ahead of the Nazi comparison, but didn't see the Gitmo one coming

Damn.

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snooper2 (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 08:39 PM Response to Reply #72

107. walk much

Edited on Sun Jun-27-10 08:40 PM by snooper2 :)

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ProudToBeBlueInRhody (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 03:00 AM Response to Reply #72

113. I'm working class and I pay for my stuff

No one is selling me out.

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Taitertots (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 12:59 PM Response to Original message

74. I've never owned a car that cost more than $2,000, I have no pity for people who overspend on cars

These are just people who wanted more than they could afford. Then, instead of selling the car when they can't afford it they try to steal it. They should have bought a car that was appropriate for their financial situation.

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jmowreader (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 05:09 PM Response to Reply #74

101. Financial situations change

With the rising rate of unemployment, many of the people who now have cars that are not appropriate for their financial situation once had cars that were completely appropriate for their situation--and they were the same cars. I guess if you're upside down on your loan and newly unemployed, you should sell the car, take the huge financial hit that you can't afford to take in the first place, and use all the money you didn't get from the sale to buy...well, a rickshaw or something.

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Taitertots (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 07:21 PM Response to Reply #101

104. Which is why they should have used discretion instead of greed in the purchasing decision

Those cars were not appropriate for their financial situation when they bought them either. It is very likely that they could have bought a used car without financing, just using the down payment. Refusing to pay until they repossess your car is worse than a rickshaw.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:40 AM Response to Reply #104

123. I Would Think In A Nation

I would think in a nation where nearly one in five Americans are unemployed, underemployed, or too discouraged to look an investment that once looked prudent now isn't. As far as the rickshaw maybe carless people can hire people more down on their luck than them to pull them around. We can go back to a feudal society which if I remember my Marxism is just the stage before capitalism.

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Taitertots (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:39 PM Response to Reply #123

133. A nation overwhelmed by lust for consumption

It only seemed prudent to those overwhelmed with greed and lust for consumption. Being upside down on a car loan is not prudent.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 06:33 PM Response to Reply #133

140. There Are Families Of Four Living In A $195.00 A Week Motel

These same families had high five figure incomes before the Great Recession. It's hard to plan for the worst economy in eighty years. It's akin to planning for a one hundred year flood.

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Taitertots (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 06:58 PM Response to Reply #140

143. Who told them to spend the largest amount possible on a car?

They chose excessive luxury, gluttony, and consumption over long term stability. If they were making high 5 figure incomes, they should have been able to afford a very nice used car without being immediately upside down on it. It is akin to living by a river and pretending there will never be another one hundred year flood. All while having the money to prepare but wasting it on luxury goods.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 09:59 AM Response to Reply #143

147. You Offering Facts That Are Not In Evidence

Somebody can be a prudent steward of their money, have the recommended reserve of a three month emergency fund, and still find themselves in dire straits when they can't find a job where there are six applicants for every open position when the historical norm is one and one quarter applicants for every job. I submit for every ten Americans who finds himself or herself in dire straits nine of them worked hard and played by the proverbial rules.

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Taitertots (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 11:17 AM Response to Reply #147

157. How are they being prudent stewards by putting themselves upside down on a car loan?

I agree that the vast majority of people "worked hard and played by the proverbial rules". Which is why the number of people delinquent on car loans is far less than 10%. The people in the 10% who didn't play by the rules are the people losing their cars.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 03:41 PM Response to Reply #157

158. A Car Is A Depreciating Asset

Ironically so is a home in this new era. You can do everything right, lose your job, and your ability to pay for the necessities of life. I am reading in another window, a resume sent to me by an "old" friend who has been unemployed since 10/08. The old rules don't apply in the worst economy in nearly a century.

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Taitertots (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 03:55 PM Response to Reply #158

160. That is why a down payment is so important

So it doesn't depreciate faster than you are paying it off. If they are not taking this into consideration than they are not being prudent stewards of their finances. Taking out the largest loan possible for a car was never an old rule. That is just gluttony and lust for consumption.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 06:40 PM Response to Reply #104

141. How Do You Divine That?

"Those cars were not appropriate for their financial situation when they bought them either."

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Taitertots (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 07:05 PM Response to Reply #141

144. They couldn't sell the car and cover the money they owed on it n/t

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 09:55 AM Response to Reply #144

146. Because They Lost Their Income (Job) In The Worst Economic Downturn In Nearly A Century

~

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Taitertots (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 11:09 AM Response to Reply #146

156. No, they didn't put enough down on the car, and they didn't put enough aside

All when they still had their jobs. They could have bought a car half as expensive, put way more down, set some money aside, and been able to sell the car when they lost their job. Then they would still have money left over for a hooptie. It was a combination of gluttony pushing them to buy more car than they could afford and idiocy in thinking that their income would never decrease.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 03:48 PM Response to Reply #156

159. It Is Recommended That You Have A Three To Six Month Emergency Fund

Long term unemployment is at its highest levels in fifty years: There's more than enough bad news to go around these days, but this graph is among the most quietly scary things to contemplate. It's from the Wall Street Journal, and it charts the historical percentage of the unemployed who've been without a job for 27 weeks or more. As you can see, for most of the past 50 years, the long-term unemployed made up relatively little of the total unemployed. The only time the percentage tipped over 25 percent was in the early-'80s, and even then, it was only for a moment. http://voices.washingtonpost.com/ezra-klein/2010/06/long-term_unemployment.html It seems an emergency fubd isn't what it used to be.

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miscsoc (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:07 PM Response to Original message

86. I would take the job

I'm not proud of it, but I would, probably. If the alternative was an empty belly I'm sure I would. The job is indeed disgusting, but yeah, I would if the alternative was starvation.

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tomm2thumbs (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:48 PM Response to Original message

94. can they tow from private property like Walmart?

seems to me they wouldn't be able to

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tammywammy (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 03:55 PM Response to Reply #94

97. Yes, it's an open lot. If it was fenced in or something that would be different. n/t

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JoeyT (1000+ posts) Send PM | Profile | Ignore

Sun Jun-27-10 07:06 PM Response to Original message

103. No way would I take it.

Not only because of the soul-destroying properties and the low pay, but because some people are going to react VERY badly if they come outside and you're writing the VIN number on their car down or punching it into a computer. If I came outside and someone was peering into my front windshield (Which is the only place I know of visible from the outside of the car where you can get a VIN number) they'd have about ten seconds to tell me what the hell they were doing before I assumed they were looking to smash a window and grab stuff. (It's common in parking lots around here. Especially Wal-Mart's parking lot.)

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timo (890 posts) Send PM | Profile | Ignore

Tue Jun-29-10 10:58 AM Response to Reply #103

153. plate

plate # not vin, the repo guy has to do the vin check

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:10 AM Response to Original message

116. That Reminds Me Of A Conversation I Had With A Minister Friend Of Mine

We were discussing foreclosures and repossessions and he said one of his congregants worked in the repossession history. I remarked that Jesus wouldn't repossess someone's car.

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 11:34 AM Response to Reply #116

126. Jesus would instead tell deadbeats to turn the car in. nt

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 04:19 PM Response to Reply #126

132. Nearly One In Five Americans Are Unemployed, Underemployed, Or Too Discouraged To Look

Many of them are struggling to pay the note on their cars and homes. Are they deadbeats?

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 05:54 PM Response to Reply #132

135. If they think they're entitled to keep the car despite stopping payment, then YES.

Sorry.

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DemocratSinceBirth (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 06:28 PM Response to Reply #135

139. Maybe The Bank Can Work Out A Payment Plan.

Edited on Mon Jun-28-10 06:29 PM by DemocratSinceBirth I'm not sorry but I graciously accept your apology.

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Dreamer Tatum (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 06:46 PM Response to Reply #139

142. The bank did work out a payment plan - it was the note itself.

The note would have to get completely refinanced in order to lower the payment, anyway.

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Gidney N Cloyd (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 11:41 AM Response to Original message

127. I'd feel like that guy driving the bulldozer in The Grapes of Wrath.

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LoZoccolo (1000+ posts) Send PM | Profile | Ignore

Mon Jun-28-10 12:58 PM Response to Original message

131. Maybe people should pay for their cars and not lie about their addresses. n/t

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The Midway Rebel (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 10:49 AM Response to Reply #131

152. Yes, because banks always tell the truth and are honest and forthright.

Same with used car dealers and salesmen, credit companies and of course repo men are always in the right. They never take the wrong car, or cars with children or valuable personal property still in them or at the worst possible moment, or when you were one month behind with ONE FUCKING $428 payment left on a five year fuckin' note. Yes, people are always bad, evil, greedy, want too much car and banks and repo companies are benevolent and fair. They ARE the "good guys". Besdides, who cannot live without a car in amurica? Who could not afford this trivial luxury in this awesome Boomtown fucking economy? And, the checks in the mail and I promise I won't cum in you mouth.

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BrentWil (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 10:33 AM Response to Original message

150. If you can't pay for it, you will lose it. Do you think about the small used car dealer?

They have to earn a living also. It is sad, but it happens. I feel that your daughter is doing nothing wrong or unjust.

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Hosnon (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 10:41 AM Response to Original message

151. She obviously doesn't need the money.

A job is a job. And there's nothing particularly awful about this one, in my opinion.

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nyc 4 Biden (1000+ posts) Send PM | Profile | Ignore

Tue Jun-29-10 11:02 AM Response to Original message

155. doesn't sound too bad to me.

if you dont pay your bills, you don't get to own the property.

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TBF (1000+ posts) Send PM | Profile | Ignore

Thu Jul-01-10 06:48 PM Response to Original message

161. What is thoroughly disgusting

is the defense of capitalistic practices in this thread. Profit first, people second. I know, I know, it's just business... :sarcasm:

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Statistical (1000+ posts) Send PM | Profile | Ignore

Thu Jul-01-10 06:52 PM Response to Original message

162. Why? people should keep property forever without paying for it?

Edited on Thu Jul-01-10 06:52 PM by Statistical Kinda crazy to starve so other people get to keep the vehicles they aren't paying for. To each his own. Only thing bad is the pay. $14-$18 would be more like it. Still in this economy $12 for unskilled labor. I imagine most people working in a shitty 20 hour a week, minimum wage, fast food job would gladly "trade up".

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Cleita (1000+ posts) Send PM | Profile | Ignore

Thu Jul-01-10 06:52 PM Response to Original message

163. That's low.

What's even lower is being a collection agency employee. Really bottom feeders. I hope your daughter has other options. If she really needs the money and can't find other work, I can't condemn her too much.

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