Rawb

I have a small amount of credit card debt, I said that I would never do it, but low and behold, two years of unemployment and some meager pickings for contract work, and there it was, maxed out. (It's only like a $1500 limit, so no big deal) I'm now paying it down, but decided to do something stupid along the way and got a loan to buy the most confortable couches in the world. So, add another $1000 onto that. Well, after I got that second loan, all of the sudden, I started getting checks in the mail, every month or two. These weren't small checks either, they were checks for upwards of three thousand dollars, the first one I got totally floored me. Well, I knew there had to be something totally up with this check, so I flipped it around, and on the back, it turns out this check was really a loan. Cashing the check would have been my way of accepting the loan, at credit card intrest rates. Does anybody else get these? or am I just on a sucker with fairly good credit list? They have pretty well stopped sending them recently (either that, or my mailman is driving a new car) and now just give me a checkup call every few months that begins with "Hello, is this Rob?" "That's me" "Rob, do you need any money?".

I'm just really glad this didn't happen while I was still doing consulting, I totally would have gone in way over my head.

Edit: Scratch that, just checked the mail and another one came, for 4000.95, at 29% intrest rate (and here I thought that 24.9% was the legal loansharking maximum rate in Utah)