--- Gordon Fitch <gcf at panix.com> wrote: > Daniel Davies:
> > ...
> > If a decent interval had passed between the two events,
> and
> > if some evidence of having attempted to pay off the credit
> card
> > debt had been shown....
>
> Some discreet kiting should suffice to provide the required
> decent interval and "attempts to pay off".
>
Don't even think about it. One of the less dubious "productivity improvements" brought by information technology to banking has been the more or less complete eradication of kiting as a fraud technique. For any bank big enough to be in the business of sending out database-driven credit card mailings, it's absolute child's play for a clerk to pull up and verify all the details of any payment. The inconsistencies will be pulled as soon as they take a look at your file, and will have the effect of making you look like a hardened grifter who needs to be made an example of.
In general, my practical (as mentioned, I'm not in the business of giving legal) advice to the readers of LBO-talk is not to attempt to commit frauds against the banking system. Successful fraudsters have a ruthless mastery of arcane detail and a certain thoroughgoing practicality of personality which successful left-wing academics and activists, don't.
This is, of course, completely different from the practice of personal financial management, including a sensible assessment of the sustainability of one's debt burden and the legal solutions available to an overburdened debtor under current and impending legal regimes, which I wholeheartedly encourage for anyone.
d^2
===== ... in countries which do not enjoy Mediterranean sunshine idleness is more difficult, and a great public propaganda will be required to inaugurate it. -- Bertrand Russell
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