by angella » Mon Oct 01, 2007 12:24:40 PM
You're right... it is not a morality site, and I would never presume to sit in judgement of another's morality.
However, if there is a legally incurred debt, there is no legal method to get out of that debt... short of proving you were coerced or tricked into incurring that debt... either through duress, because somebody in authority coerced you into it, or because somebody with credentials you had reason to trust tricked you into it. Even if there is a case of buyers remorse now, you, at the time, chose to enter into the contract. (some types of deals you have 10 days to legally extricate yourself... ie door to door salespeople).
Otherwise, you pay the debt or you take the hit to your credit report... and risk being sued. It really is just that simple.
If there was no legally incurred debt, you dispute it with the bureaus and, if there is a document with your signature, you do an identity theft report with the police - and send it to the credit bureau as proof of your claims... and place a fraud alert on your credit report.