trust_212 Posted August 23, 2012 Author Report Posted August 23, 2012 [quote name='pikki' timestamp='1345693153' post='1302362536'] nenu total $ 4200 credit ke bayapadi sachipoyina...26K ante [/quote] There were many sleepless nights with tension...emavutundo emo..jail ki velthanemo ani kuda months, years bhayapaddanu and avoid chesindi kuda for same reason unable to handle the pressure..when ever i think of this problem i will be scared to death so i avoid thinking..
chicago Posted August 23, 2012 Report Posted August 23, 2012 [quote name='trust_212' timestamp='1345692004' post='1302362448'] I had credit cards of 24k most of them being Citi Cards...In 2008 august, my debt on credit cards was 18k and i always made prompt payments. After August, due to recession i was unable to pay the minimum payments as they were around 700$ including all cards and it was highly impossible for me to even make min payments without a job for almost 9-10 months. i tried to negotiate with them and explained my situation that i am jobless and asked them to reduce min balances or freeze the cards for 2 yrs but they were not helpful and unable to make payments i stopped making payments and after 3-4 months i guess they closed all my cards and sent them to collections. I used to literally get 30-40 calls and some agents used to even threaten me saying they will file a legal case if unpaid and used to give me a dead line...Initially i was totally scared and pressurized but my uncle told me that they cannot harass me like that and i don't need to shiver with fear about cases and stuff and that it wouldn't affect in any way legally as they cannot do anything...i still get calls like in 2008 but with time 40 calls per day have decreased to one or two calls per day. After i got the job i lifted calls from collection agents and tried to negotiate but they have put so much interest on them since then that the loan amount have now become thrice or even more and they said they can waive interest if i pay almost like 26k in 15 days dead line time...i told them that it is impossible that i can do it and asked them about the monthly installments and said i will be able to pay 500$ per month on that 26 k loan but they said i have to pay around 40k if i opt for installments and unable to pay and without enough knowledge on how to deal i just kept quiet...i get collections mails too but always ignored...this topic always scares me to death but i avoid thinking just to escape from pressure. Though i tried to talk to debt lawyer i read online that it is better to not repay collection accounts as that would further cause damage to my credit history..my credit history is worst that i bought car for 16.78% last year..my main problem now is [b]unexpectedly today few hrs back a collections agent went to my past address and talked to my roommate. As she knows about this situation she managed and told him that she doesn't know me and didn't give her info as well to him as they even call 40 times a day...he didnt leave her place without her info saying that he has to inform whom he talked to with his lawyer..i am really scared now if that is a legal case...i never knew that collection agents even come to residences. I am still in canada as i came for stamping and now even scared if i will be stopped at port of entry...Can anyone help me to deal with this situation?? Any advices?[/b] [/quote]just pay 2 k or 3k per month emi avuthadho chudhamu...nothing to worry.....
dollar vora Posted August 23, 2012 Report Posted August 23, 2012 elago intha chesav kabati picha lyt tiskondi na degara roopai ledu ani cheppu but one chance is ni act lonchi direct ga dabbulu lakovachu vallu w/o ur consent also so adi choosko
qualityposter Posted August 23, 2012 Report Posted August 23, 2012 [quote name='trust_212' timestamp='1345693319' post='1302362542'] There were many sleepless nights with tension...emavutundo emo..jail ki velthanemo ani kuda months, years bhayapaddanu and avoid chesindi kuda for same reason unable to handle the pressure..when ever i think of this problem i will be scared to death so i avoid thinking.. [/quote] oka four months time adugu ,motham 26k kadthanu ani cheppu.26k wont be difficult appudu
pikki Posted August 23, 2012 Report Posted August 23, 2012 [quote name='CASANOVA' timestamp='1345693244' post='1302362538'] na MS graduation day roju na credit cards meeda 30k unde...1.5yrs pattindi clear cheyataniki [/quote] emo baa nenu citi $ 3000 and capitalone $ 3000 ante...avikuda india poyina anduke vadina...ippudu almost oka $4000 change undi...danike naku tension...min pay okkoti min $ 70 capitalone and $ 45 for citi ...nenu $ 200 kaduta rendu kalipi... for her...anta karchu enduku untayi bhayya..what purpose..no offense...
dollar vora Posted August 23, 2012 Report Posted August 23, 2012 lekapothe inkoti 26k kadu inko maata cheppu 10k aithe eroje kattestha ani cheppu or even less settle cheyatanki try chei amt ni to a very smaller amt 26 k pay cheyatam useless naku india lo card unde 60k ki 25k ki beram aadi kattesanu credit history elago assam poindi so picha lyt tisko 10k on spot leka pothe assam ani cheppu
Vaampire Posted August 23, 2012 Report Posted August 23, 2012 omg. ippudey nee canada interview chadiva. intha hungama ayyaka nee i140 ela approve ayindo. ur very lucky in that matter. nee date current eppudu avuthado telvadu kaani, ivi anni alopala fix chesukovali nuvvu. lekhapothey india vellipo. small suggestion: ur very very poor in money management. u have to work on that for a better life. 2008 recession lo effect ayinavallu chaala mandi telusu naaku. kaani okkaru kooda intha varaku thechukoledhu. nenu appudu working kanuka issues emi lekundey. 1
pikki Posted August 23, 2012 Report Posted August 23, 2012 [quote name='trust_212' timestamp='1345693319' post='1302362542'] There were many sleepless nights with tension...emavutundo emo..jail ki velthanemo ani kuda months, years bhayapaddanu and avoid chesindi kuda for same reason unable to handle the pressure..when ever i think of this problem i will be scared to death so i avoid thinking.. [/quote] my friend had the same situation...kani vadu oka time call lift chesi kattlenu nenu honest ga ante...edo negotiate chesukundu...inta kadite..saripotadi ani..so..convince them.meeru fraud kadu ani..kadtanu ani...there is always a way out...in this situations...take one step at a time...usa ki safe ga vastaaru..worry em undi ...
Vaampire Posted August 23, 2012 Report Posted August 23, 2012 [quote name='manmadhan' timestamp='1345693412' post='1302362546'] elago intha chesav kabati picha lyt tiskondi na degara roopai ledu ani cheppu but one chance is ni act lonchi direct ga dabbulu lakovachu vallu w/o ur consent also so adi choosko [/quote] wrong suggestion bhayya. ee candidate ki i140 approval undi. ippudu emaina theda jarigithey future lo gc assamey. she has to clean it by then
dotnetrockz Posted August 23, 2012 Report Posted August 23, 2012 nenu oke okasari appartment vacate chesinanka moving fine,cleaning antha kalipi 600$ unde...i was about to drop a check at appt office and i got a call from a collection agent...his voice was like ......"a bad cop"....threating....CIA vadi laga matladadam start chesadu....he doesnt tellu anything only asks u abt ur debit card information for the payment...i said which payments...he says we dont know u have to pay 600$........and its due ASAP.......i said i still have 20 days time....i will pay later...he kept calling all day...and nenu debit card info phone lo ivvalenu...i'll drop a check annanu daaniki no need ne bank num,nee dl number cheppu ani he made the transaction.... very rarely u'll see such people(collection agents) like that in usa....
chicago Posted August 23, 2012 Report Posted August 23, 2012 [quote name='manmadhan' timestamp='1345693632' post='1302362560'] lekapothe inkoti 26k kadu inko maata cheppu 10k aithe eroje kattestha ani cheppu or even less settle cheyatanki try chei amt ni to a very smaller amt 26 k pay cheyatam useless naku india lo card unde 60k ki 25k ki beram aadi kattesanu credit history elago assam poindi so picha lyt tisko 10k on spot leka pothe assam ani cheppu [/quote] [img]http://i56.tinypic.com/2w2r5gm.jpg[/img] ala ne cheyachu ekada kuda baby bayapaduthundhi leka act chesthundho ardhamu kavatledhu.......
Vaampire Posted August 23, 2012 Report Posted August 23, 2012 [quote name='CASANOVA' timestamp='1345693244' post='1302362538'] na MS graduation day roju na credit cards meeda 30k unde...1.5yrs pattindi clear cheyataniki [/quote] naadi MS graduation appudu 20k undey. ippudu 25k ayindi.
pikki Posted August 23, 2012 Report Posted August 23, 2012 [quote name='qualityposter' timestamp='1345693421' post='1302362549'] oka four months time adugu ,motham 26k kadthanu ani cheppu.26k wont be difficult appudu [/quote] mari 26k kuda kadtanu ante ..waste mama...nenu kattalenu...final ga enda pay cheyali ani negotiate cheste..better ani na opinion..coz vallu appudu indaka evaro anntu..taggistaru...kada..15K or inko amount figure ko...
chicago Posted August 23, 2012 Report Posted August 23, 2012 [quote name='Vaampire' timestamp='1345693727' post='1302362563'] omg. ippudey nee canada interview chadiva. intha hungama ayyaka nee i140 ela approve ayindo. ur very lucky in that matter. nee date current eppudu avuthado telvadu kaani, ivi anni alopala fix chesukovali nuvvu. lekhapothey india vellipo. small suggestion: ur very very poor in money management. u have to work on that for a better life. 2008 recession lo effect ayinavallu chaala mandi telusu naaku. kaani okkaru kooda intha varaku thechukoledhu. nenu appud[color=#ff0000]u working kanuka issues[/color] emi lekundey. [/quote] uncle....
Vaampire Posted August 23, 2012 Report Posted August 23, 2012 [quote name='pikki' timestamp='1345693773' post='1302362566'] my friend had the same situation...kani vadu oka time call lift chesi kattlenu nenu honest ga ante...edo negotiate chesukundu...inta kadite..saripotadi ani..so..convince them.meeru fraud kadu ani..kadtanu ani...there is always a way out...in this situations...take one step at a time...usa ki safe ga vastaaru..worry em undi ... [/quote] i think its too late to negotiate. 2008 nunchi almost 4 years. 4 years tharuvatha fraud ni kaadu antey etta nammutharu bhayya.
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