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I'm on the side that this isn't so outrageous; you get a discount for making a longer financial commitment. What IS frustrating is that some of their products

I'm on the side that this isn't so outrageous; you get a discount for making a longer financial commitment. What IS frustrating is that some of their products don't offer a monthly plan. I want to use Lightroom about once a year, after going on a big vacation, but there's no cheap plan that just includes Lightroom. There's a $10/month annual Photography Plan that includes Photoshop and Lightroom (exactly what I want), but no monthly option. I would pay $15 for one month of this, but the only way to get Lightroom for a single month is with the All Apps package, which is $80 for a single month.

spsful 5y ago
Am I wrong to say that they could just cancel their credit card and.. move on?
- lolinder 5y ago
  It's been said over and over again in this thread, and the reply is always the same: you signed a contract to pay monthly for a year. Canceling a card doesn't legally excuse you from that obligation. Yes, odds are they wouldn't send it to collections, but they'd be within their rights to do so.
  - bobthebuilders 5y ago
    Good luck getting money from a stone!
    - lolinder 5y ago
      I'm not sure what you mean, but if a debt goes to collections that ends up on your credit report. It's not like you can just ignore it forever.
      - culturestate 5y ago
        > if a debt goes to collections that ends up on your credit report. It's not like you can just ignore it forever. I obviously don't endorse this, but in the US you absolutely can ignore it forever as long as it isn't student loan debt. Anything else large enough to sue for can be discharged through bankruptcy (which is comically simple in some states), and debts below that[1] will fall off your report after 7 years. Your credit will tank for a bit, of course, but otherwise there are no real consequences. 1. I think FICO even has a minimum amount for negative items and doesn't consider medical debt at all, but don't quote me on that.
        paxys 5y ago
        Tanking your credit has very real consequences if, say, you need a home loan in the next 7 years. You'll end up paying for that $100 "savings" x 1000 in the long run.
        culturestate 5y ago
        If you're employing "ignore it until it goes away" as a debt mitigation strategy you probably aren't in a position to be buying a house (or a car, or whatever) any time soon. Having a 400 FICO score is not a "real consequence" to anyone who's in this situation. At any rate, I'm just pointing out that it's a thing you can do, not advocating it as one you should do. As an aside, I think a lot of the HN audience would be surprised at just how many people in America do take advantage of this. Being constantly broke really changes your decision making paradigm.
        paxys 5y ago
        People in that situation would also be better off just pirating Photoshop with zero effort.
        culturestate 5y ago
        I don't think anyone is suggesting that this is some kind of legitimate cheat code for cheap software (I'm certainly not), but nevertheless it is possible. I'm not sure why it's so controversial to point this out, but c'est la vie.
      - eyelidlessness 5y ago
        Why not? I've done it. It's perfectly legal. And mostly clear in terms of repercussions (other than old debts being resurrected far longer than they're supposed to). I walked away with no medical debt from when I was young and desperately poor. And I'm glad I did.
        cbmuser 5y ago
        It‘s perfectly legal for the banks or companies to send a bailiff in such a case and seize your property to pay for your debts.
        deleted 5y ago
        [deleted]
        behringer 5y ago
        Not in the US. Although a lean could certainly be imposed by a court, you don't have anything to place a lien against when you're poor.
        cbmuser 5y ago
        So, how do creditors protect themselves against fraudulent debitors? If someone owes me money in the US, I don't have any means to send a legal request? I Germany, I can just go to court without needing a lawyer and the court will eventually send a bailiff if my claim is justified.
        behringer 5y ago
        You're out of luck. That's why we are so reliant on the credit reporting agencies. There is some recourse if you already own assets. There are two types of loans. Secured and unsecured loans. Secured loans are backed by assets and those certainly can be forcibly removed. Unsecured loans (the vast majority of smaller credit card type loans), have no backing and the lost money is generally understood to be recovered through interest payments.
        5y ago
      - inetknght 5y ago
        > if a debt goes to collections that ends up on your credit report Once it's on the credit report it can then be disputed. Good luck getting a court to uphold a contract where the terms weren't clearly understood by both parties.
        thirdsun 5y ago
        As mentioned by other users already looking at Adobe's pricing page makes the terms very clear.
        inetknght 5y ago
        Your definition of clear doesn't match mine and, clearly, doesn't match many other peoples' either. Otherwise this wouldn't be a problem.
    - thombat 5y ago
      The debt will get sold (discounted) to a debt collector, whose entire business model is getting as much blood as possible from stones, regardless of how long it takes.
speg 5y ago
I do this with the mobile version on my iPad. Which is actually pretty good. Best part is it goes through Apple’s payment system so no shady business.

spsful 5y ago

Am I wrong to say that they could just cancel their credit card and.. move on?

lolinder 5y ago
It's been said over and over again in this thread, and the reply is always the same: you signed a contract to pay monthly for a year. Canceling a card doesn't legally excuse you from that obligation. Yes, odds are they wouldn't send it to collections, but they'd be within their rights to do so.
- bobthebuilders 5y ago
  Good luck getting money from a stone!
  - lolinder 5y ago
    I'm not sure what you mean, but if a debt goes to collections that ends up on your credit report. It's not like you can just ignore it forever.
    - culturestate 5y ago
      > if a debt goes to collections that ends up on your credit report. It's not like you can just ignore it forever. I obviously don't endorse this, but in the US you absolutely can ignore it forever as long as it isn't student loan debt. Anything else large enough to sue for can be discharged through bankruptcy (which is comically simple in some states), and debts below that[1] will fall off your report after 7 years. Your credit will tank for a bit, of course, but otherwise there are no real consequences. 1. I think FICO even has a minimum amount for negative items and doesn't consider medical debt at all, but don't quote me on that.
      - paxys 5y ago
        Tanking your credit has very real consequences if, say, you need a home loan in the next 7 years. You'll end up paying for that $100 "savings" x 1000 in the long run.
        culturestate 5y ago
        If you're employing "ignore it until it goes away" as a debt mitigation strategy you probably aren't in a position to be buying a house (or a car, or whatever) any time soon. Having a 400 FICO score is not a "real consequence" to anyone who's in this situation. At any rate, I'm just pointing out that it's a thing you can do, not advocating it as one you should do. As an aside, I think a lot of the HN audience would be surprised at just how many people in America do take advantage of this. Being constantly broke really changes your decision making paradigm.
        paxys 5y ago
        People in that situation would also be better off just pirating Photoshop with zero effort.
        culturestate 5y ago
        I don't think anyone is suggesting that this is some kind of legitimate cheat code for cheap software (I'm certainly not), but nevertheless it is possible. I'm not sure why it's so controversial to point this out, but c'est la vie.
    - eyelidlessness 5y ago
      Why not? I've done it. It's perfectly legal. And mostly clear in terms of repercussions (other than old debts being resurrected far longer than they're supposed to). I walked away with no medical debt from when I was young and desperately poor. And I'm glad I did.
      - cbmuser 5y ago
        It‘s perfectly legal for the banks or companies to send a bailiff in such a case and seize your property to pay for your debts.
        deleted 5y ago
        [deleted]
        behringer 5y ago
        Not in the US. Although a lean could certainly be imposed by a court, you don't have anything to place a lien against when you're poor.
        cbmuser 5y ago
        So, how do creditors protect themselves against fraudulent debitors? If someone owes me money in the US, I don't have any means to send a legal request? I Germany, I can just go to court without needing a lawyer and the court will eventually send a bailiff if my claim is justified.
        behringer 5y ago
        You're out of luck. That's why we are so reliant on the credit reporting agencies. There is some recourse if you already own assets. There are two types of loans. Secured and unsecured loans. Secured loans are backed by assets and those certainly can be forcibly removed. Unsecured loans (the vast majority of smaller credit card type loans), have no backing and the lost money is generally understood to be recovered through interest payments.
        5y ago
    - inetknght 5y ago
      > if a debt goes to collections that ends up on your credit report Once it's on the credit report it can then be disputed. Good luck getting a court to uphold a contract where the terms weren't clearly understood by both parties.
      - thirdsun 5y ago
        As mentioned by other users already looking at Adobe's pricing page makes the terms very clear.
        inetknght 5y ago
        Your definition of clear doesn't match mine and, clearly, doesn't match many other peoples' either. Otherwise this wouldn't be a problem.
  - thombat 5y ago
    The debt will get sold (discounted) to a debt collector, whose entire business model is getting as much blood as possible from stones, regardless of how long it takes.

speg 5y ago

I do this with the mobile version on my iPad. Which is actually pretty good. Best part is it goes through Apple’s payment system so no shady business.