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Cake day: May 18th, 2025

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  • If it’s gonna take more than a few years to pay off, you might consider defaulting. Credit card debt is some of the most easily dischargeable debt.

    That can range from offers in compromise to declaring some sort of bankruptcy to just not paying them anymore (the latter might have repercussions if you have seizable assets or enough debt that the carriers think it’s worth going through the courts to try and garnish your wages, assuming you have regular W2 income). Or if you currently have decent credit, a refi might even be a good option.

    Do your own research, this is not financial advice.

    I know people that just stopped paying and basically nothing happened. Credit scores went through the floor, but that’s pretty much it. Within a couple years they were able to open new cards, and after seven years the dings fell off their credit reports.




  • DornerStan@lemmygrad.mltoMemes@lemmy.mlAm I wrong??
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    18 days ago

    Trotsky is good at appearing “right” because he plays fast and loose with the details so he can retroactively claim to have been for or against something after it already happened.

    One example off the top of my head (forgive me if I misremember the specifics) is the NEP, which according to Trotsky and Trotskyites was originally his idea that Lenin initially disagreed with but eventually came around to. But, ignoring the fact that timing matters and a year is a long-ass time in a revolutionary period, the details also matter, since the goal wasn’t to retreat to capitalism but to very carefully reintroduce certain market incentives to help develop certain sectors of the economy that had been obliterated during the war. So you can’t just claim “oh I had this idea first” when your idea, at least according to Lenin, would overly benefit the Kulak class without adequately fostering a respective proletariat (or something along those lines). Lenin goes into this in great detail both when he dismisses Trotsky’s plan and also when he introduced the NEP.

    But he was also an asshole, notoriously elitist and dismissive of anyone he deemed intellectually inferior.

    Honestly reading through the debates and speeches from the party meetings and congresses is great for breaking through a lot of the ahistorical western bullshit.


  • DornerStan@lemmygrad.mltoMemes@lemmy.mlAm I wrong??
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    18 days ago

    Long history of wrecking/coopting movements and orgs.

    I know good individual trots, but the trot orgs in my area are all white college students that show up uninvited to things they had no party in organizing, then selling shit or starting fights. We have a lot of coalition building among MLs, anarchists, and DSA types here, and it’s always the Trots that refuse to find common ground or show any support whatsoever. Their praxis consists of wrecking/splitting, raising money, and defending sex pests.