I'm so old I Remember when:

And taxes, too. Owe $10,000 or more in taxes? Call us, we'll reduce your tax debt to just pennies on the dollar! Wait, whaaaat? Pay your fair share in taxes, your freeloading thief! You live in this country! You reap the benefits! Pay up!
And yet, in most cases that's not what happens. Essentially, these companies are loan sharks. They buy the debt, yes, for pennies on the dollar, but people are so desperate to get out from under that they pay no attention to the terms of the contract and end up paying through the nose to a far less forgiving lender. Most end up paying far more than if they had just settled the debt themselves.

The only people that benefit are the loan sharks, preying on the ignorant and desperate.
 
And yet, in most cases that's not what happens. Essentially, these companies are loan sharks. They buy the debt, yes, for pennies on the dollar, but people are so desperate to get out from under that they pay no attention to the terms of the contract and end up paying through the nose to a far less forgiving lender. Most end up paying far more than if they had just settled the debt themselves.

The only people that benefit are the loan sharks, preying on the ignorant and desperate.
That's so sad.
 
I remember When I finally got one of those fancy cd players for Christmas, I still remember shoving it in my pocket, and trying to figure out how to go on walks without it skipping.

I remember all the teachers freaking out and trying to hide their tears with creepy large smiles “surprise! It’s a short day at school today” it was 9/11
 

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