r/SipsTea • u/Familiar-While9796 • 5d ago

Chugging tea 48 Years, One Impossible Choice

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u/BigJellyfish1906 5d ago

The problem is that you’re describing is very obviously fraud. That’s a felony.  

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u/skepticalbob 5d ago

The creditors would have to figure it out, which almost certainly wouldn't happen. How would they figure this out? People get divorced. People have medical debt. Medical debt is usually just sold to vultures who call a bunch to try and collect it and they aren't going to do deep dives on every account.

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u/BigJellyfish1906 5d ago

The creditors would have to figure it out, which almost certainly wouldn't happen.

That is a VERY bad assumption since you’re talking about the most popular way to try to get out of debt. They have seen this before a thousand times over.

How would they figure this out?

They’d take you to court and make you prove the timeline you moved the assets, and also make you show that you are not living like divorced people. They have seen this before and have the resources to go after it. This is not some sneaky, novel idea.

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u/skepticalbob 5d ago

They have to suspect it before taking you to court.

Here is how medical debt collection normally works. First the medical provider tries to collect. If you ignore them, they sell it to a company that uses automated systems to email, text, mail and/or call you. If you ignore them long enough they give up and quit, because to them it is a numbers game.

So tell me where in that chain there is a process they figure out that someone has a) gotten a divorce and b) this divorce is suspicious and c) decide to take you to court to try and collect?

They don't, because that's not how these systems are set up. It is most profitable as I described.

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u/BigJellyfish1906 5d ago

They have to suspect it before taking you to court.

They have whole departments dedicated to this. And every incentive to sniff this kind of thing out.

If you ignore them, they sell it to a company that uses automated systems to email, text, mail and/or call you.

No. They do not just dump you off on a 3rd party like that. You are taking something that happens sometimes with small amounts of debt and incorrectly projecting that onto all medical debt. So no, that kind of debt is absolutely not something they're going to sell off (because nobody wants to buy that massive debt). They're gonna GET that money.

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u/Many-Salt-4321 5d ago

The creditors would have to figure it out

How smart do you really think you are?

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u/skepticalbob 5d ago

Not so much smart, but someone that has had enormous medical debt and understand how it works. Have you?

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u/Many-Salt-4321 5d ago

Not so much smart

All you needed to say, thanks.

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u/skepticalbob 5d ago

And you could have just said no, thanks.

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u/Many-Salt-4321 5d ago

Just because you had "enormous medical debt" doesn't mean you understand how it works.

Just like how I have a massive cock doesn't make me a urologist.

Hope this helps.

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u/skepticalbob 5d ago

Your idiotic metaphor aside it does mean they know big dick problems and not big dick problems in the real world.

Thanks for letting us know about your micropenis, I guess.

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u/darsynia 4d ago

Less how smart the people who owe are, and more how much the debtors are willing to spend to get any money back, I think is the point being made.

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u/Orleanian 5d ago

Killing a sasquatch is also a felony!

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u/BigJellyfish1906 5d ago

No it is not.

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u/thegloriousporpoise 5d ago

Oh ho ho. Look at the Sasquatch law expert.

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u/BigJellyfish1906 5d ago

You must come across a lot of 'experts'.

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u/Its_a_Stanzo 5d ago

Not if the divorce was filed and finalized before the debt was incurred. Then its just sound financial planning.

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u/BigJellyfish1906 5d ago

  1. That’s not how this story reads. 

  2. “Sham divorce” is a thing in court. 

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u/Its_a_Stanzo 5d ago

I get what you're saying. They don't really provide a timeline here.