It often starts with some form of financial trouble, and not being educated in how money, the law, or any of that stuff works.
So you sign a piece of paper saying you get a truck, and they get $350 a month. This sounds great, so you don’t look any further since you don’t have the best work history, but right now you can afford that usually.
Later, your money situation is worse and you miss a few payments. Suddenly, they’re sending you this letter that says they’re going to take your truck.
It’s bullshit, they can’t take your truck, it’s yours. You never agreed to let them take it, you just owe them something like ten or twenty missed payments.
So you start looking around for what you’re supposed to do with the letter, and most places say “pay your bills” or “nothing can be done at this point”, but it’s not fair that you’re loosing your truck just because you’re not giving them money fast enough, and you need your truck.
But, you find some people who explain that there’s actually some holes in the law, and point you to the law so you can see for yourself. Finally, someone is actually explaining something helpful!
If rich people can use loopholes to get out of stuff, why can’t you? The only difference is that they have people who know the law, and you just found some people who will explain it.
The law says that if they can’t prove that you owe it, then you don’t. The people explain that you need to ask very specifically otherwise they’ll be allowed to ignore you. They reference you to another forum where people have more details, and a lot of other stuff you never even thought about…
Anyway, since you had once acknowledged that you bought the truck instead of possessed it, they were able to get out of the loophole and they stole your truck.
That’s okay though, since you’ve been reading and now you know that the law doesn’t say you have to pay with money, but you can also pay with a “promissory notes”, which someone sold you the template for making, so now you can buy a new truck, agree to whatever terms they want, and use your notes to direct them to collect the money from the taxes you pay. It’s great because you get your truck and keep your money, the dealer gets paid just not how they expected, and the people who make up money (turns out it’s not real? They just stole all the gold‽) send their fake paper to whoever.
The system is perfect, but complicated, so you’ll inevitably make mistakes and face consequences for them, but if you just keep learning the loopholes and getting the special plates and drivers licenses you’ll be okay.
It’s a coping mechanism for people who are faced with an overwhelmingly complicated social system and don’t have the tools or capacity to learn how to interact with it on its terms.
Most people in that situation don’t fall off the ledge, but a handful of them are confronted with how overwhelmed they are at the same time they’re offered a hand hold to something that feels like control.
There doesn’t always have to be a crisis, sometimes they just see the handhold and grab on, but usually their story ends up having some routine legal or financial trouble.
Well now I’m just sad that our society and unbalanced laws can beat people down to the point that grifters get their last dollars and are able to convince them of crazy things like this.
I’d focus less on the laws being unbalanced. We have a lot of laws, but we didn’t make them for no reason.
The part to focus on is that we’ve failed to give people the grounding they need to know how to engage with our government.
It’s on them that they dug in so deep despite plenty of people saying “uh, that’s bullshit”, or choosing to ignore bad news, but it’s on society that they didn’t get the tools for not getting in trouble in the first place.
Plenty of people fuck out their lives and don’t go off the deep end. So it’s partly on them, but also we can do more to help people not fuck up their lives.
If people like this keep doing this shit, then soon it won’t be good enough to sign a bunch of paperwork to take out a loan. You’ll have to go on camera and say “I agree to let the bank take my truck if I don’t pay them on time every month.”
To be honest, I don’t see a problem with this kind of requirement for explicit consent.
I think there’s a lot of harm in our society caused by complex license agreements and contracts being signed by people who can’t possibly be adequately informed to have affirmed their understanding and acceptance of the terms.
It SHOULD be the law that contracts must be as clear, explicit, and unambiguous as possible. It SHOULD be the law that a term that is too confusing for a layman to grock is suspect and possibly invalid on its face. And I think a video record of acceptance along with a signature sounds like a great CYA mechanism for a lot of these contract that have very serious consequences in their terms.
It often starts with some form of financial trouble, and not being educated in how money, the law, or any of that stuff works.
So you sign a piece of paper saying you get a truck, and they get $350 a month. This sounds great, so you don’t look any further since you don’t have the best work history, but right now you can afford that usually.
Later, your money situation is worse and you miss a few payments. Suddenly, they’re sending you this letter that says they’re going to take your truck.
It’s bullshit, they can’t take your truck, it’s yours. You never agreed to let them take it, you just owe them something like ten or twenty missed payments.
So you start looking around for what you’re supposed to do with the letter, and most places say “pay your bills” or “nothing can be done at this point”, but it’s not fair that you’re loosing your truck just because you’re not giving them money fast enough, and you need your truck.
But, you find some people who explain that there’s actually some holes in the law, and point you to the law so you can see for yourself. Finally, someone is actually explaining something helpful!
If rich people can use loopholes to get out of stuff, why can’t you? The only difference is that they have people who know the law, and you just found some people who will explain it.
The law says that if they can’t prove that you owe it, then you don’t. The people explain that you need to ask very specifically otherwise they’ll be allowed to ignore you. They reference you to another forum where people have more details, and a lot of other stuff you never even thought about…
Anyway, since you had once acknowledged that you bought the truck instead of possessed it, they were able to get out of the loophole and they stole your truck.
That’s okay though, since you’ve been reading and now you know that the law doesn’t say you have to pay with money, but you can also pay with a “promissory notes”, which someone sold you the template for making, so now you can buy a new truck, agree to whatever terms they want, and use your notes to direct them to collect the money from the taxes you pay. It’s great because you get your truck and keep your money, the dealer gets paid just not how they expected, and the people who make up money (turns out it’s not real? They just stole all the gold‽) send their fake paper to whoever.
The system is perfect, but complicated, so you’ll inevitably make mistakes and face consequences for them, but if you just keep learning the loopholes and getting the special plates and drivers licenses you’ll be okay.
It’s a coping mechanism for people who are faced with an overwhelmingly complicated social system and don’t have the tools or capacity to learn how to interact with it on its terms.
Most people in that situation don’t fall off the ledge, but a handful of them are confronted with how overwhelmed they are at the same time they’re offered a hand hold to something that feels like control.
There doesn’t always have to be a crisis, sometimes they just see the handhold and grab on, but usually their story ends up having some routine legal or financial trouble.
Did you just use an interrobang organically in a sentence? That’s a first.
It’s perhaps my favorite esoteric piece of punctuation, so if I can use it, there’s no way I’m not going to. :)
How do you type it?
Like this: ‽
on android long press ? to get ‽ and ¿
Carefully‽
Well now I’m just sad that our society and unbalanced laws can beat people down to the point that grifters get their last dollars and are able to convince them of crazy things like this.
I’d focus less on the laws being unbalanced. We have a lot of laws, but we didn’t make them for no reason.
The part to focus on is that we’ve failed to give people the grounding they need to know how to engage with our government.
It’s on them that they dug in so deep despite plenty of people saying “uh, that’s bullshit”, or choosing to ignore bad news, but it’s on society that they didn’t get the tools for not getting in trouble in the first place.
Plenty of people fuck out their lives and don’t go off the deep end. So it’s partly on them, but also we can do more to help people not fuck up their lives.
I agree. I guess the question is how to we fix the damage that’s been done since Regan
I don’t think having to pay the amount you agreed to is an unbalanced law.
They’re obviously going to take it back or else they are just giving you money for no reason.
I meant in the way that, laws are applied differently depending on what level lawyer you can afford, or if you’re a corporation that hires lobbyists.
Yes if you buy a car, you should pay for it.
I just meant the phrase “it’s expensive to be poor” comes to mind
If people like this keep doing this shit, then soon it won’t be good enough to sign a bunch of paperwork to take out a loan. You’ll have to go on camera and say “I agree to let the bank take my truck if I don’t pay them on time every month.”
To be honest, I don’t see a problem with this kind of requirement for explicit consent.
I think there’s a lot of harm in our society caused by complex license agreements and contracts being signed by people who can’t possibly be adequately informed to have affirmed their understanding and acceptance of the terms.
It SHOULD be the law that contracts must be as clear, explicit, and unambiguous as possible. It SHOULD be the law that a term that is too confusing for a layman to grock is suspect and possibly invalid on its face. And I think a video record of acceptance along with a signature sounds like a great CYA mechanism for a lot of these contract that have very serious consequences in their terms.
The paperwork already says this. These people are just stupid.
Hell of a breakdown. Thanks