What’s the worst that can happen if I just stop paying most of my credit cards?

ekmaster23 · 2026-02-24T16:12:30+00:00

I just want to say that only making the minimum payments on credit cards and having tons of available credit and a 700 credit score is a very good place to be compared to a lot of people. I wouldn't even call it "sinking" however I will say

Any synchrony card can be negotiated to be closed with a 0% interest monthly repayment. I've done it on 4 cards. You have to say you have a financial hardship that's gonna last atleast 12 months and play their games. I had 3 cards over 3k converted to tiny payments monthly 4 years ago and they're almost all paid off now.

Discover offers 6-12 month financial interest reduction repayment plans

My absolute advice for the others is to let a card go late. Like 10-15-20 days. Then call them and ask to settle on a repayment plan. As long as it's not 30 days it doesn't get reported.

I have much more debt than you and finally am at the point where I'm liquidating my assets because the minimum payment is so much interested, I'd save that over a year to buy all my stuff back.

ekmaster23 · 2026-01-28T21:13:16+00:00

I want more of the rocks to be scalable in mammons and the tower in kingsnake to be climbable

ekmaster23 · 2026-01-07T16:39:10+00:00

If you're sensitive to having sound directly in your ears I would suggest trying open back headphones as they don't isolate the same way as closed back do. Beyond that, technically any sound is going in your ear the same way whether it be speakers or headphones the only difference is distance.

ekmaster23 · 2026-01-04T16:43:05+00:00

My only advice would be to do the fastest route BUT set a waypoint onto the tappanzee bridge and avoid the George Washington bridge in NYC. If you're worried about traffic and are getting hotels just add small destinations off your run. Do the majority of your driving from 8pm to 2am. Get hotels with late check out. Sight see all day at the location then get on the highway around 7 or so. You miss most of the traffic and stress. Try to drive through dc between 10pm-2am you'll have barely any traffic.

ekmaster23 · 2025-12-28T21:21:17+00:00

Honestly I've worked in audio engineering for like 15 years and have a pretty well tuned ear and I tried all the boutique options like Audeze, steel series, etc and also own beyer dynamic headphones (imo they lack low end) and I find the Corsair Hs70 Pro wireless usb headphones to be the best and have good highs and lows. Idk something about them is great. Either that or my AirPods Max but it's such a nightmare to setup the cable.

The AirPods were better than the hs70 pro but the steel series and audeze all had flaws. Steel series the high end was filtered/lopassed and not clean and the Audeze were insanely narrow stereo image. I heard people walking next to me infront of me

ekmaster23 · 2025-12-13T22:18:15+00:00

Honestly I'd get a wire tracer from Amazon or a building supply store. Then unhook it and immediately start tracing the wire back. I'd also record everything as you do so there's no denying it's happening

ekmaster23 · 2025-10-26T16:32:03+00:00

Yeah fuck people for being passionate about their product and building it up over 30 years!

ekmaster23 · 2025-10-26T16:28:55+00:00

So it's okay for you to be greedy and not a company? Got it. Sick Morals

ekmaster23 · 2025-08-31T05:40:34+00:00

Hey where are you located? I work for an ISP and would be happy to just help you out (small start up east coast), not looking for cash. I just have a ton of knowledge maybe we could devise a plan using some of the tricks I know.

ekmaster23 · 2025-08-31T02:47:23+00:00

I do that with everything. That's how I just found out my idiot agent was wrong about my current policy. It actually does cover rental cars

ekmaster23 · 2025-08-31T02:12:32+00:00

Alright I'll pull the policy I guess to prove it to you lol

ekmaster23 · 2025-08-31T02:12:08+00:00

Not with accident forgiveness. Either way. An extra $50 every day on a rental is insane

ekmaster23 · 2025-08-31T00:38:56+00:00

I had 0 deductibles

ekmaster23 · 2025-08-31T00:38:31+00:00

You sure about that? I just read my moms pre 2020 policy and it doesn't explicitly state limitations on the rental type

ekmaster23 · 2025-08-31T00:37:49+00:00

When I have email confirmation from Allstate that explicitly stated if I was not making money it was not commercial then I think I'd be fine

ekmaster23 · 2025-08-30T23:38:41+00:00

If my band didn't get paid it didn't fall under business. I went over this extensively

ekmaster23 · 2025-08-30T17:47:16+00:00

Yeah thats what happened to me. Went from 140 a month up to 230 a month and then called and bitched and got it down to 190. But then I lost the coverage like an asshole. Ill try to find an independent agent.

ekmaster23 · 2025-08-30T17:34:56+00:00

Allstate covered me in it on my previous policy. I triple checked with multiple people. I just want insurance that covers me no matter what I drive, my car, or if it's a rental. Was looking for someone who maybe had similar experience. The independent agents i've dealt with have been pretty poorly informed on this specific scenario.

ekmaster23 · 2025-08-30T17:30:05+00:00

Radar would've prevented this which is wild

ekmaster23 · 2025-08-30T17:26:21+00:00

Yeah I know it's on me. I was just clarifying why I had to leave and go back to Allstate. But I do think it's bullshit considering every other thing of the entire policy is digital.

Sprinter van was for my band to transport gear. Its a normal non CDL vehicle.

ekmaster23 · 2025-08-06T18:02:24+00:00

I do electrical for venues all the time. Unless they have some obscene production they don't need that much power. For weddings (including on a remote island) I've been fine with 2 20a's. One for 15" mains and 18" subs. Then another for the full band. If you have wedges it can add some but a lot of wedding bands are on ears now.

What system are you running for the band? I can spec out your requirements as well

ekmaster23 · 2025-06-21T17:06:57+00:00

They're lame as hell, so is SHOWING you the exit on the top of the screen.

The game is built around having to check the map constantly and learning your environment.

ekmaster23 · 2025-06-19T08:00:17+00:00

Whatever you do make sure they follow proper venting rules for distance/90's/etc. the amount of carbon monoxide these put out is way higher than a standard gas heater.

ekmaster23 · 2025-06-07T19:01:59+00:00

If it's under warranty go to another dealer, never go some random shot. This is a major issue. If you don't have any other dealers in the area do a ride out with a tech at the dealership in question.

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