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Joined 1 year ago
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Cake day: June 19th, 2023

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  • They'd legally still on the hook for the difference, and if it's a large enough amount for the creditor to care about they'll come after you for it using the variety of means available. In the US that can include taking the money from the debtor's bank account or having their employer take it out of their paycheck before paying the debtor.

    There are some ways around that. You can self-employ and ignore the garnishment request, but that works best if you have a constantly changing client list, like a roofing contractor or wedding-dress-maker or whatever. You have to be careful about keeping cash in your business because they can show up with the sheriff and take any cash, or in extreme cases they can seize non-exempt property (like, they wouldn't generally be able to seize the lawnmower you use for your lawnmowing business).

    Also, just not having any money is a pretty good defense. There are limits to wage garnishment for example.

    But yeah, in a lot of cases it's not even close to being worth the effort to chase someone down to collect, so you get a ding on your credit report for a few years, and then almost nobody cares.










  • loyalty is earned

    For me, it’s not even that. Loyalty is not owed, nor is it earned. It is nothing more than a description of behavior.

    Think of it this way: I always do my grocery shopping at Target instead of Walmart, even if I see that something is slightly cheaper at Walmart I’ll still most likely go to Target for it. Some might see that and say, “Look, he has loyalty to Target”, assuming that I shop at Target because I am loyal to that brand. But that’s backwards. Really it is that I can be described as ‘loyal’ because I consistently go to that brand. ‘Loyalty’ is a description of the behavior, not the cause of the behavior.

    it can be used against you

    Only if you have bought into the coercive bullshit that ‘loyalty’ is itself a reason to do something. Employee or customer loyalty is nothing more than an observation that people consistently support the company. That loyal behavior is seen because those people consistently have reasons to support the company. If you observe that people are loyally supporting your company, that is because they have reasons to do so (for example, you might be paying them to show up and do shit. Or maybe they think the shit they are doing is important or fun).

    People who want something from you for less than it is worth will try to convince you that loyalty is something you owe them or that they have earned from you because if you believe the lie that loyalty is a reason for action that makes it easier to get you to give them something for free.


  • IMO acting out of loyalty is never good. That is a backwards application of the concept intended to make you to act against your own interests.

    Some people like to flip the idea of loyalty around from a description of behavior to a reason for behavior as a method of manipulating other people.

    Like, if people see me consistently supporting my friends even when that is difficult they might think I’m ‘loyal’, but that’s backwards. I’m not supporting them because I am loyal, I support them because I like them and want them to succeed (and hopefully they’ll support me too). If someone wants loyalty from me, that’s an immediate red flag that tells me they either don’t understand why I do things, or they don’t care and just want me to do whatever they want.