Clear your debt in 2 hours, legally.

 

Results 1 to 18 of 18
This is probably quite well known and applicable in more places than just Scotland but ...
  1. #1
    downliner's Avatar
    downliner is offline Newbie
    Join Date
    Mar 2008
    Posts
    26
    Thanks
    0
    Thanked 3 Times in 3 Posts

    Default Clear your debt in 2 hours, legally.

    This is probably quite well known and applicable in more places than just Scotland but thought I would share it anyway

    If you have huge credit card bills, bank overdrafts to repay, loans (student or bank) etc etc you can wipe it all providing you can stay under the radar for a while. Howard Marks (a convicted drug smuggler) exposed on national TV just how easy it is to change your name by Deed Pole (on the internet for 11.99). Two hours later he'd gained a new driving license and passport under the new name of Marco Polo.

    How It Works:

    The law in Scotland (elsewhere too) allows anyone who wishes to change their forename and/or surname. You can use pretty much any chosen name you wish and the new name does not have to be connected in any way to either of your original names or those of your family members.

    First of all, you need to get a new birth certificate that represents your new name.

    There are several ways (all legal) in which a name may be changed on a birth certificate, depending upon your particular circumstances. The most common way to record a name (again, in Scotland), is by a Recording of Change of Name. You can obtain an application form from any registrar of births deaths and marriages in Scotland, and the cost to change your name this way is 36. The cost of a new birth certificate is less than 15.

    Now that you have legally changed your name you can apply for a passport under your new identity. Fair enough that'll cost you about 80 these days but if you're clearing 20,000 of debt that won't be your concern

    When the bailiffs come knocking at your door you can have both a birth certificate and passport in your new name. Tell them that you just moved in and apologise for not having a forwarding address for the 'previous tenant'

    With your new identity you also have No Credit History. If you apply for a bank account with no credit history you'll more than likely be rejected, so instead you should get your hands on a few mail order catalogues like Freemans etc. Order some shit out of the catalog and KEEP UP THE REPAYMENTS. Within 3-6 months you will have a glowing credit history and the bank will be happy to give you an account (though probably best to use a different bank to your previous lol)

    If there has been no activity on your old bank account for a number of years the bank will just write off your old debt as they have no method of finding you.

    I won't keep rambling but if anyone does want more information I'd be happy to post it.
    Last edited by downliner; 03-05-2008 at 08:54 AM.




  2. #2
    jammie's Avatar
    jammie is offline Don't PM Me =]
    Join Date
    Feb 2008
    Posts
    773
    Thanks
    75
    Thanked 442 Times in 190 Posts

    Default Re: Clear your debt in 2 hours, legally.

    thats actually quite genius!

    not sure how well it'd work, but it definatly has some potential!

  3. #3
    craig-spencer is offline Newbie
    Join Date
    Jan 2008
    Posts
    9
    Thanks
    3
    Thanked 3 Times in 1 Post

    Default Re: Clear your debt in 2 hours, legally.

    hi guys,

    just letting you know that this wont work in the UK as i work as a credit analyst for a major credit card issuer and we have ways of finding out your previous and linked names/aliases via the people you have been linked to before.

    The only way you could get around it is if you dont apply for anymore credit, or your application lands on the screen of a rookie.

    I understand the thinking behind it though.

    cheers

  4. #4
    vmedia is offline Jr. VIP
    Join Date
    Feb 2008
    Posts
    239
    Thanks
    33
    Thanked 28 Times in 14 Posts

    Default Re: Clear your debt in 2 hours, legally.

    i'm going to change my name to dirk digler

  5. #5
    HaRRo's Avatar
    HaRRo is offline HaRRo
    Join Date
    Oct 2005
    Location
    Moscow, RU
    Posts
    2,676
    Thanks
    624
    Thanked 13,258 Times in 1,195 Posts

    Default Re: Clear your debt in 2 hours, legally.

    I just changed my name to Fuck Ingcunt

  6. #6
    downliner's Avatar
    downliner is offline Newbie
    Join Date
    Mar 2008
    Posts
    26
    Thanks
    0
    Thanked 3 Times in 3 Posts

    Default Re: Clear your debt in 2 hours, legally.

    Quote Originally Posted by craig-spencer View Post
    just letting you know that this wont work in the UK as i work as a credit analyst for a major credit card issuer and we have ways of finding out your previous and linked names/aliases via the people you have been linked to before.
    I haven't actually tried it myself yet (tempting as it is to kiss my student loan away ) but one of my clients has done it a few times. He's always up for sharing his tips and tricks (knowing that I'm a poor whitehat haha) so I'll have to ask him for more info.

    Instead of using a bank you do have literally hundreds of high street companies wanting to give you credit. If you kept up repayments on that catalog for a few months you can go and buy yourself a new TV in Dixons on credit. Change your name, flog the HD LCD TV on Ebay for half its value and you've made yourself a tidy profit.

    I think craig may be right about a credit company having some method of tracking you but it has to be worth their while. I guess if it's 20,000 they'll try and come after ya but if you're ripping off different electronics stores for under 1000 each I see it working in theory.

    I don't know, this certainly isn't blackhat though so maybe it should be moved? Do we have an Intend To Commit Fraud section here?

  7. #7
    cashsalute is offline Banned - see signature
    Join Date
    Nov 2007
    Posts
    418
    Thanks
    6
    Thanked 14 Times in 14 Posts

    Default Re: Clear your debt in 2 hours, legally.

    we're quite the tricksters here
    This member has been permanently banned from BHW.

  8. #8
    Whisker's Avatar
    Whisker is offline Moderator black hat forumsblack hat forumsblack hat forums
    Join Date
    Dec 2007
    Posts
    957
    Thanks
    432
    Thanked 1,243 Times in 467 Posts

    Default Re: Clear your debt in 2 hours, legally.

    Loveishell,

    I'm thinking of that happening in Scotland, and then I'm picturing the same situation in the USA. The feds here foam at the mouth over catching people who strive to be against them. They go completely out of their way, create new divisions in the law enforcement agency, give it a $100 billion budget to quell the "evildoers". It's actually a pretty solid idea, dependent on how much information they already have on you(which is always a lot more than you think).

  9. #9
    LexLuthor's Avatar
    LexLuthor is offline Registered Member
    Join Date
    Feb 2008
    Posts
    73
    Thanks
    6
    Thanked 6 Times in 5 Posts

    Default Re: Clear your debt in 2 hours, legally.

    I'm changing my name to Balls McCocken...

  10. #10
    Cryten is offline Newbies
    Join Date
    Mar 2008
    Location
    UK
    Posts
    26
    Thanks
    8
    Thanked 9 Times in 4 Posts

    Default Re: Clear your debt in 2 hours, legally.

    What a cool site! Well what better way to get started here then to let you know that this is completely true, I did it and in the uk. Now my name change reason was not to clear any debts that was a bonus and only realised afterwards. Had the choice hmmm own up to 4k debt or leave it and start afresh. Can you guess which option I chose?

    One of my debts was with argos and I even had the cheek to apply for new credit in my new name, this was declined but only due to not having any credit history! Did this about 8 years ago and have not heard a peep from anyone since.

    Yes the companies probably know who your mother is with the aliases info etc but does your brother/sister/cousin get harrased over your debt? No.

    Anyway just giving my 2 cents, not looking for moral lectures.
    Last edited by Cryten; 03-10-2008 at 12:21 AM.

  11. #11
    Smelly-Cash's Avatar
    Smelly-Cash is offline Jr. VIP
    Join Date
    Feb 2008
    Posts
    177
    Thanks
    152
    Thanked 386 Times in 98 Posts

    Default Re: Clear your debt in 2 hours, legally.

    it actually doesn't work in the us. my husband changed his name but got the same driver license and social security numbers with the new name

  12. #12
    ukescuba's Avatar
    ukescuba is offline Mobile Marketing Junkie
    Join Date
    Feb 2008
    Location
    San Antonio, TX
    Posts
    994
    Thanks
    281
    Thanked 621 Times in 344 Posts

    Default Re: Clear your debt in 2 hours, legally.

    marry someone from another country ie if your a brit come to the US and marry an american chic you will eventually get a new SS and Drivers etc and be pretty much untraceable from the UK

    Alternatively go back in time make sure your parents are from two different countries, again UK and US works, grow up in one of the countries, rack up a load of debt or better still take a load of loans out and piss off to the other country and resume your new residence with new ID...

    its much better to go from UK to US since the weather is much nicer and if you do decide to do the loans thing.... well the pound is stronger than the dollar!

  13. #13
    cashsalute is offline Banned - see signature
    Join Date
    Nov 2007
    Posts
    418
    Thanks
    6
    Thanked 14 Times in 14 Posts

    Default Re: Clear your debt in 2 hours, legally.

    you could make a name change and get a new citizenship... then when fagrs comes a knocking, you change your tone of voice and say

    "NO, it wrong person you had!@"
    This member has been permanently banned from BHW.

  14. #14
    CapMorgan is offline Jr. VIP
    Join Date
    Dec 2007
    Posts
    147
    Thanks
    37
    Thanked 235 Times in 48 Posts

    Default Re: Clear your debt in 2 hours, legally.

    There are two problems with this. At least in the US. Your credit is tied to your social not just your name. The credit bureaus and credit companies themselves also have allot of tools at their disposal to link people together. I can tell you that the bureaus themselves will list aliases at the top of bureaus to help credit companies out. These aliases are found from cross referencing multiple data together.

    The second problem is clear debt is the wrong word to use. The debt does not go away because you do not answer the phone, and say yes it's me. The debt will always remain until paid in most cases.

    PS: There is also a statute of limitation argument that is usually used as a get out of debt free argument. This is also false. If you were to let's say disappear. Change your name. Make sure that your family, friends, old friends, old relationships, co workers, boss, old boss, neighbors, old neighbors, old roommates, etc all not know where you went, or cover for you, and are never tracked down to be served, and do not need to use your credit for a home purchase, rental history, car loan, cell phone, credit card, refinance of any debt, etc then in most US states the statute of limitations will usually hit after about 3-4 years. After this time you cannot be sued for the debt owed, but the debt can be sold to another company or still collected by the originating company. They can still call you, and yes it will still be on your credit as a debt owed.

    I am giving you this info because I think there is nothing worse than an attorney, or so called credit counselor scamming people out of money telling them that they can get them out of debt with these techniques when they are not helping at all. The best advice I can give is do not get into debt. If you do stand up, and take responsibility for it. Work with the people you owe, and educate yourself even before believing everything is attorney tells you. Remember that they are there to make money also.

  15. #15
    cashsalute is offline Banned - see signature
    Join Date
    Nov 2007
    Posts
    418
    Thanks
    6
    Thanked 14 Times in 14 Posts

    Default Re: Clear your debt in 2 hours, legally.

    The truth of the matter is... no matter how many institutions they set up to monitor our 'creditability', the funnest game anyones ever going to play is getting around their fagsystem. and thats going to be hard to take away, I wish them luck on that :P
    This member has been permanently banned from BHW.

  16. #16
    Cryten is offline Newbies
    Join Date
    Mar 2008
    Location
    UK
    Posts
    26
    Thanks
    8
    Thanked 9 Times in 4 Posts

    Default Re: Clear your debt in 2 hours, legally.

    Well as I said it worked for me in the United Kingdom, I dunno about the US.

  17. #17
    markj's Avatar
    markj is offline GURU
    Join Date
    Oct 2007
    Location
    US
    Posts
    137
    Thanks
    39
    Thanked 13 Times in 8 Posts

    Default Re: Clear your debt in 2 hours, legally.

    Yeah, this particular method won't work at all in the US. As CapMorgan said, your identity is tied to your social security number. And there's no quick way to get a new one (that I know of).
    There are statute of limitations for some types of debt. The type and specifics vary from state to state. But a lot of these old "Zombie debts" will disappear after a while.

  18. #18
    caretaker2007's Avatar
    caretaker2007 is offline Power Member
    Join Date
    Dec 2007
    Location
    In a 6 by 3 plot
    Posts
    720
    Thanks
    396
    Thanked 436 Times in 185 Posts

    Default Re: Clear your debt in 2 hours, legally.

    Going the illegal route you can always assume your dead relatives identity. My sister's ex-boyfriend did that, living as his brother, for 20 years before anyone found out. His mom's estate tracked him down and they were curious why they could find the dead son but not the living.


Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  




BlackHatWorld on Twitter BlackHatWorld on FaceBook


1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108