in dept who cares

:shock:

good point I don't think know one here could give you a better answer Well can anyone argue the point

That is SOO true! In the past, I've tried to work things out, with CA's. I let them know what I can afford, each month, etc. THEY tell me what they will "accept" each month...most of the time, MY amount will be much lower.The CA tells me, " they will not accept anything lower than they 'highly suggest.' What do you do, in an situation like that? Sometimes, it's frustrating.

...I mean, obiously, you can't give them something you DON'T have. At least, I'm trying to work something out with them. Any advice?

sdchargers i cant give you advice just by thoughts but i have been there and done that in 89 first i tried to work it out with creditors that did not work. so bankrupcy time that worked so they still got nothing and belive me the creditors deserved that for all the aggraviation i got from them once backrupcy was filed eveything stoped dead in the tracks creditors stop calling every call stoped all i told them i filed chapter 7 gave them the info and it ended I GOT MY FRESH START THAT I NEEDED AND THEY DID NOT TAKE ANY ITEMS I PURCHASED WITH MY CREDIT CARD LIKE YOU READ ABOUT ON THIS SITE so still noting from nothing still gets noting

i see cannr moderator input to all this is just a shock icon. Any reason for this or do you plan to elaborate your views on what i am saying or do you plan on removing this topic all together.

sorry debt guest,but cannr doesn't have to explain anything.

:cry: :mrgreen:

I see lots of emotional icons and less written pros or cons to what im sayin so who out there that are educated think im wrong and why

Honestly... why do you care? What type of response do you expect to receive? I don't think there are many people out here that are out to not pay what they owe. The support here is to help people get out of debt and realize their rights. There really is no debate as far as I can see.

Sorry Paul... I couldn't help it!

to to let the credit card co and collection agency know if they are reading the info on this site. that a individual who is in a debt settlement program of any knind already has his back against the wall and just a little more pushing could result in fileing bankrupcy so you get nothing. all you collection agency out there keep pushing and you will wind up with less the what the individual wanted to pay. im not here to help a individual im here to tell these so called collection co that when people are pushed to fare the further you push the less you get that all

And we all seem to see your viewpoint.. the problem is that the people you are addressing on this thread are memners of the forum and not collectors. I think that is why you aren't getting the response from people you are looking for. Some collectors do "stalk" the sight and post their "not worth" two cents. But the ones showing the emotion icons aren't the collectors they're here to help people.

ENOUGH SAID I SAND CORRECTED PS THIS WAS MY WAY OF TELLING EVERYONE OUT THERE THAT THERE IS LIGHT AT END WHEN YOU HAVE BEEN THERE AND DONE THAT WHEN YOU KNOW YOU HAVE KNOW BILLS AT ALL ITS WELL WORTH IT CREDIT REPORT OR NO REPORT YOU HAVE NO BILL

I SAID ENOUGH MY WAY OF PUTTING ON A HAPPY FACE TO OTHERS WHO HAVE NOT BEEN THRU IT AND ITS MY WAY OF PUTTING DOWN COLLECTIONS

don't worry angel,listen guest you are certainly entitled to your opinion.that is just that an opinion,some have succesfully completed debt management,consolidation,or settlement.others have had bad experiences.i take issue with the fact tht you are talking like your opinion is gospel truth.sorry but you're wrong.people should decide for themselves,that is my opinion.your last post revealed all.

I agree with you 100% Paul. Guest I do not remember anybody posting that they lost things they bought with their credit cards when they went through a BK. And to me what you are trying to tell people is that in order to see the light that they should file for chapter 7 bk. Well that may have worked for you but some others don't want to go that route. Plus since 89 the bk laws have changed making it harder for you to file. We are here to help others in their situation by informing them of their legal rights when dealing with the CA's. And to let them know that there is another way to see the "light" without having to file for bk. For some it cannot be avoided, but for others it can. It all depends on your situation. But you were right on one point, you do not lose everything when you file, but for some they may end up losing something, it all depends on how much assets you have. And it looks like you did not have many assets and thats why you didn't lose anything. But I suggest that people check out every avenue that they can before they decide what they should do.

I see what you are saying but I initially said if you have nothing I ment nothing or if some of us know how to have something but show nothing

getting back to BK how so harded since 89 if your liability exceed your assists and you are working with a debt settlement co. why would They sue you nothing would Be accomplished when assits are little to none. so enlighten me why bk is harderd if assist are little to none
In not saying bk is the light im saying if setTlement is not working what's what else is so let the creditors and collection push iF they don't settle whaT is left tell me

The creditors can sue you for the money that is owed. This will result in a judgment, which could lead to them garnishing your wages. This does not mean that they will take your assets. They could freeze your bank accounts. So when they sue you and you own nothing doesn't mean that they won't get what they want, they will find a way to get it.

debt settlement is not alway the way to go. A debt settlement company will take your money and put it in an account till you have enough in the account to offer a settlement. Alot of the time a creditor will not wait that long before they sue you. Now with a debt consolidation company will send out paperwork to your creditors with an offer and the companies can accept it, refuse it or counter offer. This way the creditor will know that they will get paid something every month.

Like I said earlier sometimes a person has no choice to file for BK. ANd in most cases it is because a person has little to no assets and little income, so that would be the best way for them to go. The choice is theirs, but the BK lawyer will be the best source of information to tell them which way is best for them to go.

bk chapert 13 ends all that or if u quantity conve sion to bk 7 so my point is if pushed to that and settlement don't work bk is leFt if u qualify

I would suggest that as a last resort, but yes you are right.

this is my last comment on this topic. see if the laws for filing bk have changed from now to 89 so be it. but the fact remains if settlement dont work and you are willing to pay them that and they sue you and you qualify for bk 13 is the same as paying or conversion to bk7. i have been there and done that so im not saying bk is for everyone what im saying its not as bad as you may think. one of the nicest part of getting bk over with is knowing you have zero bill and i do mean zero bill you can sleep at night and you next call is not from a creditor or collection agency. so if you cant settle using a settlement co and they sue and you qualify for bk i would but thats up to you and a lawyer do decide. good luck everyone in you plite to get you bills down but once there gone it feels like 100 lbs was lifted off your head so give it all you got and i would not worry about bk for me it was not as bad as it sound ps you can get your credit back in small steps but it will come back my came back within 5 years im supprised the amout of views in a 26 hour period

Well stated :)

Every situation is different. As I have been on this forum, I have 'encountered' people that WAY more debt than I do. Maybe..in their situation, 'settlement companies' din't work, so, they file for BK. In other cases, I have 'seen', 'settlement' companies DID work. No one, on this, forum is judging ANYONE ELSE. In my opionion, everyone's experiences and knowledge is priceless to me. After starting with DebtCC, I sure sleep alot better, knowing what CA's ( etc), canLEGALLY do and NOT do.

sdcharers 63 if you read the entire topic you have not added anything we didnt know already

MY TIP FOR TODAY WAS REMOVED BECAUSE I TOLD THE NAME OF THE PRODUCT TO HELP EVEYONE HERE AND IS WAS TAKEN OFF BY WHO EVER HAS AUTHORIZATION TO DO SO.
SO IF YOU ARE LOOKING FOR A WAY TO STOP CREDITORS AND COLLECTIONS TO STOP CALL YOU THERE IS A UNIT WHICH I PURCHASED ON THE INTERNET YOU NEED TO SEARCH TRY SOMETHING LIKE BLOCK CALLS ITS NOT A SERVICE BUT A BOX. LET SEE IF THIS GETS REMOVED. PS I HAVE IT AND WHEN THEY CALL MY PHONE DOES NOT RING AT ALL. HOPEFULLY THIS SHOULD BE WITHING THE GUIDELINES OF WHAT I HAVE KNOW IDEA.

ok,i have had enough of you.either sign up and register or leave.your tips are malarky,that device is not totally legal.so take your capital letters,your taking issue with registered members,and leave already.

the box is indeed very legal an im leaving notice no caps

well,i am going by my friend at wal-mart.they don't sell them.said they are not totaly legal.
bye-bye now.

'I'm a guest here'........it would be helpful if you respect other people's opionions, as we are respecting yours. You don't need to 'bash' members, of this forum.

after reading the last few replys here one basic point seems that what our forfathers wanted is lacking here that is free speech

after reading this topic in detail atleast someone told it like it is. to bad sight administrator felt that way I think everyone is a little scared of everything when iT comes to pay Back time all im-just-a-guest here was I think trying to say was "relax why care or better yet worry " I can see that

i found the box that im-just-a-gurst was talking about its here and not on wall mart and is very legel i think everyone should look for the bax i plan on getting it took sometime but found it

Can or will colletors make a decission to sue based on the ability for a debtor to pay a judgement? Some people can go bankrupt after a judgement and the collector has lost more money.

okay joeb,i am going to tell you the same thing i told i'm a guest.sign up or go away.that box is not totally legal.i checked with wal-mart,circuit city,best buy,target,jcpenny,sears,and k-mart.none of them sell this...why?because as one clerk told me they can't.you can only find this on the internet.sorry it is not totally legal and i don't like guests who give bad advice,sign up or go away.

and im Going to give you some advise if you tech ability and legality of a device is contacting a clerk at a electronic stoRe I suggest you continue with youR tech education

well joeb,i will take the word of a couple of managers at national chains than someone like you.nice grammar by the way.get your education period.

not exactly im a consultant with 3 pc at home one is a dell 490 with vista 64 bit raid 0 with a second operating system which is window server 2003 i also was testing vista for microsoft before it even was realeased so anytime you want to test my tech abilitys try. my 490 has two xeon processors with 6 gigs of ram whech could hand your web site hands down so dont tell me anything about tech because you ask but i know

ok guys, play nice! :lol:

ok suebeehony ill relax but people should comment about what they know not hearsay or what they think they know. I dont know much about this site just found box that I was looking for at this site. hopefully it will help others out with nagging call.But what I do know is tech and the box is very legal check it out as I have it in hand. What I do know is very tech so i will stop but this box will stop any call from ri ging your phone . consider this topic ended on my part unless theRe are any tech comments.

is someone selling a box here?

box no box here u need to read all articles within this topic I purchased one and it will stop any phone number you want from Ringing you phone and if u wanT direct That call To a answering maChine ps the phone will not ring read past articales here the author of this Topic turned me on to it. fyi

[quote=socksfullofrocks]is someone selling a box here?[/quote]

Rude comment..........

[quote=joeb]box no box here u need to read all articles within this topic I purchased one and it will stop any phone number you want from Ringing you phone and if u wanT direct That call To a answering maChine ps the phone will not ring read past articales here the author of this Topic turned me on to it. fyi[/quote]

OK, enough already. Remember that you're dealing with a non-technical user base here. If you bought one, it has a name. So, spit out the name, vendor, and price, so folks here know what you're talking about. Otherwise, someone might just figure you're a kid, using mommy's pc while she ain't looking.

And please, don't bluster about your tech savvy, or show your lack thereof. "I'm a consultant" is not a credible boast with me.

btw...hubby purchased a phone gadget long ago that allows ya to punch in blocked numbers and area codes...if ya don't want to accept any 800...900..or debt 000 numbers just punch it in and it doesn't ring any number who calls and you no longer want to accept calls or acknowledge that they callled..punch it in and it doesn't ring...(okay I admit a few numbers I have punched in are actually related to us LOL! but true)..we originally purchased this gadget I think it was about $99 bucks... becuz too many credit card outsourced calls were always invading us with offers even when we first were nice and asked please do not call again..they even kept calling on Sundays at 9 in the morning!...but to buy a box? hmmn....

box name person-to-person household telephone management system us patents 6298122,6700957
there you go i had to take out link as not within guide lines of site

Guess you missed the 'rude' part of my comment, eh Socks?

As to the GIQ [gadget in question], what's it called, and where did it come from? There are likely folks on here that would want to know, --- edited ---

i posted name but rules of site dont allow
it hold max about 174 numbers and or wild card a number such as exclue all 832 area codes anyway i enter name in previous if it get deleted by site admin its because not within rules of forum us patent number 6298122.6700957 and it work fine they even have tech support via calls as i had to set one dip switch under it for what i wanted to so enough of the i have it and it works fine.

Lemme ask you kinda the same question I just now asked Socks... Where'd you find it, who makes it, and how much? Like I was sayin', there's likely people on here as would be interested in one.

name is person to person cant put link up as form stops me i try this was use name that i gave you with net and enter dash between name

Unc I just read the name on the box it came in lol....
person to person household telephone management system..you can block annoying numbers and phone won't even ring...website is person-to-person.net...I don't think are supposed to post other sites but you asked so I had to! wow I have box in question :D