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Collections Agent Visited My Past Address..please Help!


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Posted

[quote name='subadhra' timestamp='1345750300' post='1302367468']
oh so sad..my bf is also same like yours ey abbayilu appudu change avtharo?
[/quote]
lol.
ee ammayilu chaala telivikala vallu anukoni alanti vallaki padipotharu

Posted

[quote name='subadhra' timestamp='1345750931' post='1302367589']
I don't know but men know just how to play with girl thats it
[/quote]
yupe. i know girls like beeing played by men.

Posted

[quote name='subadhra' timestamp='1345750300' post='1302367468']
oh so sad..my bf is also same like yours ey abbayilu appudu change avtharo?
[/quote]


[img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_24383_15_309419.gif[/img]......... mee adollaki nee BF lanti candidates ye istapadtharu......... naalugu sollu kaburlu chepthe chaalu padipotharu........[img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_731_15_1153582.gif[/img]... pani ayyina tarvata noothilo padesthe........ emi cheyyaleka motham guys andaru inthe ani blame chestharu......... sincere gaa unna guys ni eppudanna premisthe kada meeru......... [img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_731_15_39573.gif[/img]

Posted

[img]http://www.desigifs.com/sites/default/files/hhhhhhhhh.gif?1344628027[/img] CITI_c$y CITI_c$y *=: [quote name='sid_22' timestamp='1345756199' post='1302368523']


[img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_24383_15_309419.gif[/img]......... mee adollaki nee BF lanti candidates ye istapadtharu......... naalugu sollu kaburlu chepthe chaalu padipotharu........[img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_731_15_1153582.gif[/img]... pani ayyina tarvata noothilo padesthe........ emi cheyyaleka motham guys andaru inthe ani blame chestharu......... sincere gaa unna guys ni eppudanna premisthe kada meeru......... [img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_731_15_39573.gif[/img]
[/quote]

Posted

[quote name='sid_22' timestamp='1345756199' post='1302368523']


[img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_24383_15_309419.gif[/img]......... mee adollaki nee BF lanti candidates ye istapadtharu......... naalugu sollu kaburlu chepthe chaalu padipotharu........[img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_731_15_1153582.gif[/img]... pani ayyina tarvata noothilo padesthe........ emi cheyyaleka motham guys andaru inthe ani blame chestharu......... sincere gaa unna guys ni eppudanna premisthe kada meeru......... [img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_731_15_39573.gif[/img]
[/quote]

GP

Posted

[quote name='subadhra' timestamp='1345750931' post='1302367589']
I don't know but men know just how to play with girl [size=6][b]thats it[/b][/size]
[/quote]


:surprised-038: Ee sounding yekadoo vinatu vundhee... House teesee R U " lollilolli " sCo_^Y sCo_^Y

Posted

[quote name='trust_212' timestamp='1345745653' post='1302366627']


I don't think POE is a problem as i went to UK and came back in 2011. It is just a fear but paying for collections is not like going online and making payment they will ask direct deposits from checkings account with 3k per month...if i am on bench and have resources then it would affect it further..pay cheyadam okate kadu how to pay it is also complex with collections...if it was that easy i used to pay long back..
[/quote]
it was very easy when u got a job in2008 or 2009...instead of taking care of the problem u are trying it do it after 3 years...that too because a collection agent said he will proceed legally..........u made it complex urself.....so now the best thing is stop thinking about it think someways of how u can get 26K within 15 days..ask ur friends....ur family or ur relatives and repay it

Posted

[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]
[url="http://www.debtconsolidationcare.com/handle-collectors.html"]http://www.debtconsolidationcare.com/handle-collectors.html[/url]

Posted

[quote name='sachin16' timestamp='1345757523' post='1302368698']
it was very easy when u got a job in2008 or 2009...instead of taking care of the problem u are trying it do it after 3 years...that too because a collection agent said he will proceed legally..........u made it complex urself.....so now the best thing is stop thinking about it think someways of how u can get 26K within 15 days..ask ur friends....ur family or ur relatives and repay it
[/quote]even now she isn't showing commitment to repay it....

Posted

Edina cheppandi kaani.. Fafa ID maatham keka...[img]http://www.andhrafriends.com/uploads/gallery/album_18/gallery_731_18_368094.gif[/img]


[size=7]TRUST_212[/size]...

@ Trust_212 peru lo ayina untadi ani pettukunnava ee userid..[img]http://lh3.ggpht.com/_cda1OvVtS20/THBZoLJ-OYI/AAAAAAAABe8/KNpoqlCWfBM/Ali-Scold.gif[/img]

Posted

Dave show vintoo ammo ila vuntara anukunna.LOL
daily oka month vini nuve decide chesuko em cheyali ani.

Posted

hear this http://tunein.com/radio/The-Dave-Ramsey-Show-p20156/

Posted

[quote name='bantrothu bullabbai' timestamp='1345760947' post='1302369082']
even now she isn't showing commitment to repay it....
[/quote]

k

Posted

[quote name='sid_22' timestamp='1345756199' post='1302368523']


[img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_24383_15_309419.gif[/img]......... mee adollaki nee BF lanti candidates ye istapadtharu......... naalugu sollu kaburlu chepthe chaalu padipotharu........[img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_731_15_1153582.gif[/img]... pani ayyina tarvata noothilo padesthe........ emi cheyyaleka motham guys andaru inthe ani blame chestharu......... sincere gaa unna guys ni eppudanna premisthe kada meeru......... [img]http://www.andhrafriends.com/uploads/gallery/album_15/gallery_731_15_39573.gif[/img]
[/quote]

[img]http://www.desigifs.com/sites/default/files/hhhhhhhhh.gif?1344628027[/img]

Posted

[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]
Yeah vaadu nee chethiki letters ichentha varaku em cheyyadu ... aina asal if you start making payments edoo okati authadi kada ..eppudu credit score ela undi .. collection agents kellindi ante biscuit ayuntadi .. anyways debt consolidators untaru ... they will consolidate ur cc's and pay up and you have to make payments to them ... apr ekkuva untadi but it is what it is .... US lo untu CC eggottalante pichaa litee... basic ga nee credit history biscuit aipothadi which is the base for anything and everything in US...
[quote name='Alexander' timestamp='1345692323' post='1302362471']
db lo nenu miss aina ladies kuda vunnara [img]http://i56.tinypic.com/2w2r5gm.jpg[/img] gud to know
[/quote]
[img]http://i56.tinypic.com/2w2r5gm.jpg[/img][img]http://i56.tinypic.com/2w2r5gm.jpg[/img]neee yavva Alexuuu ...

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