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) but he was convicted of bribing a company that made him millions of dollars.

Every state has different laws on how collection agencies are allowed to talk to you.

Usefull for testing e-commerce sites (because they should get past any pre-validation you do, and be declined at the card processor or bank stage).

In testing situations any expiry date within the next 3 years should work Feedback forces me to clarify this: These are NOT valid credit card numbers. They are random numbers that happen to conform to the MOD 10 algorithm.

You signed a contract where everyone knew the risks.

That’s where all the mansions come from while you were struggling to pay your mortgage. Or worry about killing yourself or feeding your kids. You weren’t trying to be bad, but (as the banks already modeled) sometimes bad things happen to good people. I was also late on a state tax return (but not federal). Just those two things and because I have no credit cards (so no opportunities to show regular payments) my credit score fell from 780 to 580.

A very good article about the credit card number format can be found here: Anatomy of Credit Card Numbers As you can see below I get a lot of feedback about this page.

The investors in the hedge fund make money but mostly the hedge fund manager gets enormous fees off of the money they collect. But you don’t deserve to struggle with your mortgage either. In the confusion of houses and misery and despair and kids were scared and “nothing will ever be the same”, we were a few days late on two mortgage payments in a row.

Again, I know this because I know the hedge funds that are the ultimate beneficiaries (not the banks, or the credit card companies).

Now collection agencies start calling you day and night. Or if you answer the phone, record the conversation.

This is all happening between three and 12 months after you stopped paying on your debt. So record the conversations and try to get them angry. They use fake names like “Dick Brockman” and they say things like “In five days we have to go to court and seize all of your assets.” Again, in some states this is illegal to say. One thing you always have the right to do: Say, “Show me the proof I owe this money.” Since the collection agencies got your name from a hedge fund that might have bought only part of your debt from another hedge fund, who knows where that original proof is?

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told me he would publish a book with my formulas if I wrote them down. I bragged in school I was going to be a published author. She said, “You can’t say it again until it happens.” I ended up not finishing it.

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