I guess I shouldn’t be too surprised by that last post but yeah, lots of people don’t understand how debt works
When you get nailed by a debt collector, you’re not paying off the people who loaned you the money. They already wrote the debt off, they sold it to a third party who paid pennies on the dollar for it. The original lender will never see anything from you “paying off” that debt, it’s going to someone who essentially gambled on being able to turn $100 into $10,000, or whatever, by buying your debt from the original party.
Hell, many times you’re dealing with the third or fourth people to have bought the debt. At this point it has nothing to do with “making good” on your promise, it’s just a bunch of people who should be killed with hammers stalking people over 10+ year old debt that the original lender has absolutely nothing to do with anymore.
But of course those people who should be killed with hammers will phrase it like you’re a scumbag and don’t you want to “clear your good name” and the fact that people really think that’s how it works–you’re paying off hired goons who have nothing to do with the people you borrowed from. The whole thing is fucked.
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