InsuranceGuy17
New Member
- 5
Chargeback debt is now close to $8,000. Long story short, someone I trusted convinced me to join FFL. They sold me the dream, if I work hard I'll be making $10K/week. They did not say anything about the downsides to the business. I should have done my own homework, but I trusted this person.
They kept pushing me to buy more leads saying I just need to persist and get over the learning curve. It was also tele sales so they coached me everything to say word for word in real time when on the phone making a sale. Turns out they were coaching me to write shady business.
Basically, I racked up close to $5K of credit card debt from buying leads that they kept pushing me to buy over the past 6 months. Also, chargebacks started coming in and I was doing my best to handle it, but it got to the point to where most of my new sales were just going straight to paying chargebacks.
After listening to upline and taking their advice for 6 months HE HAS NOW COMPLETELY GHOSTED ME. Out of the blue he no longer answers any of my phone calls, text messages, or emails. I've blown up his phone for weeks now.
Yes, THIS IS MY FAULT for getting myself in the situation and I've always been one to take full responsibility. I want to pay the debt off because it feels like the right thing to do, but it's close to $8000 of chargebacks now and I have close to $5,000 of credit card debt from leads and I have my own regular bills to pay.
It's not that I want this debt to roll up to anyone else, but I took all of the advice of my upline and this is where I ended up. Yes, it's my fault but I don't have the money to cover this right now and the fact that my upline coached me into this then ghosted.... It's the fact that he ghosted that makes me reluctant to pay off the debt.
I guess my question is what are the repercussions of not paying the chargeback debt? I'm not asking if it's right or wrong, but could this effect my personal credit score or are collection agencies going to come after me?
They kept pushing me to buy more leads saying I just need to persist and get over the learning curve. It was also tele sales so they coached me everything to say word for word in real time when on the phone making a sale. Turns out they were coaching me to write shady business.
Basically, I racked up close to $5K of credit card debt from buying leads that they kept pushing me to buy over the past 6 months. Also, chargebacks started coming in and I was doing my best to handle it, but it got to the point to where most of my new sales were just going straight to paying chargebacks.
After listening to upline and taking their advice for 6 months HE HAS NOW COMPLETELY GHOSTED ME. Out of the blue he no longer answers any of my phone calls, text messages, or emails. I've blown up his phone for weeks now.
Yes, THIS IS MY FAULT for getting myself in the situation and I've always been one to take full responsibility. I want to pay the debt off because it feels like the right thing to do, but it's close to $8000 of chargebacks now and I have close to $5,000 of credit card debt from leads and I have my own regular bills to pay.
It's not that I want this debt to roll up to anyone else, but I took all of the advice of my upline and this is where I ended up. Yes, it's my fault but I don't have the money to cover this right now and the fact that my upline coached me into this then ghosted.... It's the fact that he ghosted that makes me reluctant to pay off the debt.
I guess my question is what are the repercussions of not paying the chargeback debt? I'm not asking if it's right or wrong, but could this effect my personal credit score or are collection agencies going to come after me?
