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Collections Agent Visited My Past Address..please Help!


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Posted

I have read all posts and want to tell this...


Though i started working since 2009 april i was doing voluntary work...okka paisa kuda naku raledu and infact nenu ma aunt deggara appu chesi i lived in california for almost 8 months...a 8 months lo since i have family ride + food+ expenses ki inko 12 k appu cheyalsi vachindi as i lived in SAN DIEGO...paisa rakapoga 12k appu chesa and i did it only with hope as they said they would take full time they told me in advance that they wont pay me but ghoramaina recession lo intlo kuchovadam kante office ki velthe atleast depression anna undadu ani i went...i always thought paisa rakpoga inka appulu avutunnayi avaasarama ani but edo hope american company manager budget ippudu ledu ni OPT ext time ki sure ga i will offer full time and will do your h1 annadu...last ki nov lo kuda same story cheptunte inka chalu anipinchi antalo koncham market improve antunnarani i QUIT myself unable to afford for more time in a place like San Diego and started marketing...From Aug 2008 - Nov 2009 i got 3 vendor calls and 1 CLIENT CALL ONLY...a client call nenu through kaledu and infact TCS 1 hr call vadu nannu titti mari pettadu phone niku 8 yrs exp a basics chaduvuko po ani...Dec 2009 lo i got project fortunately and i planned okay first aunt ki 12 k icheyali oka 4-5 months lo relatives asale relationships padayipotayi ani + inka naku india loan appu kuda undi and adi 1 yr datindi akkada compund interest vesadu...so full financial pressures..intlo adagadaniki i loved a intercaste guy and intlo i had no good communication because they are very unhappy with me liking an other caste guy...vallu asalu finances appudo marchipoyi all they talked always was about wedding and intercaste intercaste intercaste..so india ki call cheste HELL but vallu insecured so roju podduna 1hr evening 1 hr calls lo titlu which i cannot escape...vallu dabbulunnaya ane adigevallu but vallaki collections ante ento kuda teeldu and already depressed parents ki em cheppaleka i was silent and they don't even know my situations to help...all they know is i need to pay my aunt and they were paying interests for loan in SBI. Boy friend help kuda financially em ledu as he had struggled same way and he has debts too . Searching Jobs in canada is more difficult and akkada PR lekunda jobs kashtam and inka detail about caanda jobs i dont know but all i know is he has debts and loan in India ki compound interests...I didn't want to even ask him as i know he absolutely has no money in bank and situations are similar and inka valla nanna tanaku responsibiility ravali type lo financially help kuda cheyaledu and he also with ego didnt take a penny from his father...Job vachaka i was with sriven Technologies nenu 1st month kakapoyina 2nd month istadanukunna but he always said client is not paying primary vendor and that he cannot pay without primary vendor paying him...ma aunt undi kabatti 2 months gadichayi alano.. 3rd month istadu anedi na expectation but appudu kuda ivvaledu....8 months ivvaledu last ki and i used to always call him and he was always unavailable...tampa lo no public transportation and i didnt even got car pool and i used to spend 40 $ every day for cabs and my monthly expenditure was 2000$ per month . 8 months tavata i got irritated and told sriven guy that i will go and talk to primary vendor vadu nannu chala bedirinchadu ni manager ki call chesi cheptanu adi edi ani...em cheppukunna parledu i will look fro another project 8 months pay cheyi chalu ani matladanu..starting chala softly tavata tavata inka chala rough talk ayindi as he tried to use situation that i am a fresher..nenu 1st job asalu enta % and pay rate kuda kanukkokuna vachesa tampa as i was desperate. Primary vendo ki velli cheppesa nenu fresher ni OPT lo unna naku pay cheyatledu ani story vadu vediki warning ichadu and vadu edustu naku 5 months pay matuku ichadu and said 3 months pattukunta ani as he was scared that i would change employer but i realized i cannot work with that guy so pote poyindi atleast future lo problem undadu and also h1 kuda nene dabbulu kattukovalantunnadu ani i changed employer so naku 2010 aug lo i got 17k but my appu with aunt was 12000 in san diego and 16k in these 8 months in tampa so it was 28k. naku money ragane 1st thing i did was i repayed my aunt...15k and i was due of 13k more...and i payed 13k more by june 2011. Inka i had loan in india which i repayed by Feb 2012. Credit history leka credit card leka i asked my aunt sooooo much money and i thought cc is more important as i cannot go and beg around people anduke i bought car as auto loan valla chala credit history perugutundi and when i bought car 560 was my score and 2 days back my score was 680 which increased only because of 16.78 % loan...technically i was able to pay for my collections only since aug 2010 and i had other loans too....my cards went into collections in oct 2008. 2 yrs already ayyindi and credit history was in 400's i guess ( not sure) and 2010 lo kuda paisalu levu edo chesi kattalanna kuda but i lifted calls and talked and negotiated...6k lu 10 klu 25k ante akkada naku appu ne inka undi how should i even pay? i was helpless anduke kattaledu...500$ per month negotiate chesindi for same reason and bankrupsy file cheyalante kuda i should show i am job less in records and in OPT 60 days kanna i cannot show it and even infrom univ or uscis that i am job less...almost 28 k tesukoni ma aunt and uncle deggara how should i even ask shamelessly money again? when i was in trouble i asked friends whom i helped when i was in univ actually oka guy ki i gave 1600 in 2006 emergency ante but he bought a car which made me shocked appudu ivvaledu so naku need lo i asked him if he can give my money back he neevr even lifted my call...inko 2 friends ni kuda adiga they told sorry and i didnt want to ask anyone anymore...then know my situations but they were not ready to help..also na friends kuda nalaga recession lo affect ayinavalle so i cannot blame them for not helping me...we were all sailing in same boat...it was already 2 yrs then to even talk to collections and they were rude (understandable) to me on calls and threatened me and naku em cheyalo kuda teliyaledu...infact they knew numbers of my relatives and called them too enquing about me and i was ashamed to seek anyone's help any more..anduke inka em cheyaleka i avoided...14 ki min payments chesukovadam with job is easy but velaki velu kattalante nake levu honestly and my bf was also inka worst situations lo unde so ala ala avoid cheyadam ayyindi...nenem asalu matladakunda lenu since aug 2010 i talked 30 times but i told them that i can pay ONLY 500$ per month antakanna ayite NAVALLA KADU ANI...they were never negotiating which is practical so frnds and bf kuda ligth tesuko inka 2 yrs em chesadu inka ippudu em chestadu annaru...na credit history was not even 500 to take loan and i already took so much from family and india lo parents ni adagalenu...i cannot say i will not marry guy of your choice and will marry my bf BUT I WANT UR MONEY as they are still not okay loving a reddy..inka em cheyaleka TOTALLY IGNORED...BF di ade paristhithi inti nunchi chilli gavva radu anduke sem break chesi mari offcampus chesi he paid fee ...basically same age love story kashtalu mavi and recession was a blessing for us :(

Enni yrs tavata he says not to touch the collections acccounts which has a reason...4 yrs tavata in california the debt is time barred debt so even if collections approach court the judge can cancel the legal case and conviction is not possible how ever they can always harass me coming to home or workplace and make those hundreds of calls...His point is ippduu nuvvu malla call ethi if you talk to them the 4yrs time CLOCK WILL RESET TO TODAYS DATE AND THEY CAN PROCEED LEGALLY APPUDU INNI YRS KATTAKA AVOID CHESAVU KABATTI JAIL KI VELLI KUCHUNTAVU...INKO 4 MONTTHS LO 4 YRS AYIPOTUNDI SO HE WANTS ME NOT TO TOUCH THE ACCOUNTS NOW AND FALL IN TROUBLE...NEETI NYAYAM ANI ALOCHISTE JAIL LO UNTAVU..HOWEVER IPPUDU KATTADANIKI NEGOTIATION KUDA COLLECTIOSN VADU WILL NOT BE OKAY..40K IN 30 DAYS ANTE EKKADA NUNCHI TECHI KADATAMU ANEDI HIS POINT...AND 40K IS NOT TODAYS QUOTE IT WAS IN 2010.

I WANT TO PAY IF I CAN PAY IN INSTALLMENTS BUT BANK KI KANNAM VESI I CANNOT PAY AND KANNAM VESE TALENT KUDA LEDU...HE HAS A VALID POINT FROM HIS SIDE..HOWEVER I AM IN SITUATION ANDUKE I M SCARED..I AM VERY PIRIKI ITS ONLY HIS CONFIDENCE WHICH MAKES ME BEAR ALL THESE PRESSURES AND STILL LIVE OVER LOOKING THEM..HE GETS IRRITATED AS HE IS GIVING THAT CONFIDENCE FROM YRS AND YRS AND I ASK THE SAME THING AGAIN AND AGAIN IN FEAR FROM YRS AND YRS...HE THINKs I WILL CRY MORE AND PANIC IF HE GIVES ME A CHANCE TO SPEAK ABOUT IT FOR MORE TIME ANDUKE HE SHOUTS ON ME AND TRY TO END THE DISCUSSION but i cannot divert it irritates me more.. I KNOW HIS INTENTION TOO BUT I AM A GIRL AND I WANT HIM TO CONSOLE EVEN IF I AM CRYING 1000 TIMES AND GET MORE FRUSTRATED AND HATE HIM AND WANT TO KILL HIM WHEN HE SHOUT WHEN I AM IN SUCH A TERRIBLE SITUATION....IT MIGHT BE FUNNY FOR EVERYONE BUT I GET SCARED SEEING A COP...EKKADA COP KANIPINCHINA NANNU PATTUKODANIKE VACHADEMO ANIPISTU UNTUNDI AND BHAYAPADI MY LEGS SHIVER AS I DID A MISTAKE AND THAT FEAR IS DEEP INSIDE ME THOUGH EVERY ONE LAUGH SAYING COLLECTIONS KI JAIL KI EM POVU ANI...I SAW MANY RUDE COMMENTS SO THOUGHT TO SHARE IT...


About credit score..

Just before i stopped making payments in july 2008 : 780
After i stipped making payments for 2 months Aug 2008: 700
After it went to collections in Nov 2008: 400( exact ga gurthuledu but less than 500)
When i bought the car in 2011 may : 540( Assuming improved because i was earning)
2 days back when i refinanced the car : 680

About my canada trips:my univ in US is 4 hrs drive from his univ in canada
UK Trip : my sister bought the two way ticket.


Hope it answers every one questions...Just thought to share seeing comments..anni rayalem kada live movie so i just wrote regarding yesterdays situation in post.. i am not offended but i was hurt to see people thinking i am a CHEAT..situations anthe thats what i wanted to convey..


[url="http://www.creditcards.com/credit-card-news/credit-card-state-statute-limitations-1282.php"]http://www.creditcar...ations-1282.php[/url]

[url="http://www.creditinfocenter.com/debt/settle_debts.shtml"]http://www.creditinf...tle_debts.shtml[/url]

Posted

[quote name='trust_212' timestamp='1345839016' post='1302375267']
I have read all posts and want to tell this...


Though i started working since 2009 april i was doing voluntary work...okka paisa kuda naku raledu and infact nenu ma aunt deggara appu chesi i lived in california for almost 8 months...a 8 months lo since i have family ride + food+ expenses ki inko 12 k appu cheyalsi vachindi as i lived in SAN DIEGO...paisa rakapoga 12k appu chesa and i did it only with hope as they said they would take full time they told me in advance that they wont pay me but ghoramaina recession lo intlo kuchovadam kante office ki velthe atleast depression anna undadu ani i went...i always thought paisa rakpoga inka appulu avutunnayi avaasarama ani but edo hope american company manager budget ippudu ledu ni OPT ext time ki sure ga i will offer full time and will do your h1 annadu...last ki nov lo kuda same story cheptunte inka chalu anipinchi antalo koncham market improve antunnarani i QUIT myself unable to afford for more time in a place like San Diego and started marketing...From Aug 2008 - Nov 2009 i got 3 vendor calls and 1 CLIENT CALL ONLY...a client call nenu through kaledu and infact TCS 1 hr call vadu nannu titti mari pettadu phone niku 8 yrs exp a basics chaduvuko po ani...Dec 2009 lo i got project fortunately and i planned okay first aunt ki 12 k icheyali oka 4-5 months lo relatives asale relationships padayipotayi ani + inka naku india loan appu kuda undi and adi 1 yr datindi akkada compund interest vesadu...so full financial pressures..intlo adagadaniki i loved a intercaste guy and intlo i had no good communication because they are very unhappy with me liking an other caste guy...vallu asalu finances appudo marchipoyi all they talked always was about wedding and intercaste intercaste intercaste..so india ki call cheste HELL but vallu insecured so roju podduna 1hr evening 1 hr calls lo titlu which i cannot escape...vallu dabbulunnaya ane adigevallu but vallaki collections ante ento kuda teeldu and already depressed parents ki em cheppaleka i was silent and they don't even know my situations to help...all they know is i need to pay my aunt and they were paying interests for loan in SBI. Boy friend help kuda financially em ledu as he had struggled same way and he has debts too . Searching Jobs in canada is more difficult and akkada PR lekunda jobs kashtam and inka detail about caanda jobs i dont know but all i know is he has debts and loan in India ki compound interests...I didn't want to even ask him as i know he absolutely has no money in bank and situations are similar and inka valla nanna tanaku responsibiility ravali type lo financially help kuda cheyaledu and he also with ego didnt take a penny from his father...Job vachaka i was with sriven Technologies nenu 1st month kakapoyina 2nd month istadanukunna but he always said client is not paying primary vendor and that he cannot pay without primary vendor paying him...ma aunt undi kabatti 2 months gadichayi alano.. 3rd month istadu anedi na expectation but appudu kuda ivvaledu....8 months ivvaledu last ki and i used to always call him and he was always unavailable...tampa lo no public transportation and i didnt even got car pool and i used to spend 40 $ every day for cabs and my monthly expenditure was 2000$ per month . 8 months tavata i got irritated and told sriven guy that i will go and talk to primary vendor vadu nannu chala bedirinchadu ni manager ki call chesi cheptanu adi edi ani...em cheppukunna parledu i will look fro another project 8 months pay cheyi chalu ani matladanu..starting chala softly tavata tavata inka chala rough talk ayindi as he tried to use situation that i am a fresher..nenu 1st job asalu enta % and pay rate kuda kanukkokuna vachesa tampa as i was desperate. Primary vendo ki velli cheppesa nenu fresher ni OPT lo unna naku pay cheyatledu ani story vadu vediki warning ichadu and vadu edustu naku 5 months pay matuku ichadu and said 3 months pattukunta ani as he was scared that i would change employer but i realized i cannot work with that guy so pote poyindi atleast future lo problem undadu and also h1 kuda nene dabbulu kattukovalantunnadu ani i changed employer so naku 2010 aug lo i got 17k but my appu with aunt was 12000 in san diego and 16k in these 8 months in tampa so it was 28k. naku money ragane 1st thing i did was i repayed my aunt...15k and i was due of 13k more...and i payed 13k more by june 2011. Inka i had loan in india which i repayed by Feb 2012. Credit history leka credit card leka i asked my aunt sooooo much money and i thought cc is more important as i cannot go and beg around people anduke i bought car as auto loan valla chala credit history perugutundi and when i bought car 560 was my score and 2 days back my score was 680 which increased only because of 16.78 % loan...technically i was able to pay for my collections only since aug 2010 and i had other loans too....my cards went into collections in oct 2008. 2 yrs already ayyindi and credit history was in 400's i guess ( not sure) and 2010 lo kuda paisalu levu edo chesi kattalanna kuda but i lifted calls and talked and negotiated...6k lu 10 klu 25k ante akkada naku appu ne inka undi how should i even pay? i was helpless anduke kattaledu...500$ per month negotiate chesindi for same reason and bankrupsy file cheyalante kuda i should show i am job less in records and in OPT 60 days kanna i cannot show it and even infrom univ or uscis that i am job less...almost 28 k tesukoni ma aunt and uncle deggara how should i even ask shamelessly money again? when i was in trouble i asked friends whom i helped when i was in univ actually oka guy ki i gave 1600 in 2006 emergency ante but he bought a car which made me shocked appudu ivvaledu so naku need lo i asked him if he can give my money back he neevr even lifted my call...inko 2 friends ni kuda adiga they told sorry and i didnt want to ask anyone anymore...then know my situations but they were not ready to help..also na friends kuda nalaga recession lo affect ayinavalle so i cannot blame them for not helping me...we were all sailing in same boat...it was already 2 yrs then to even talk to collections and they were rude (understandable) to me on calls and threatened me and naku em cheyalo kuda teliyaledu...infact they knew numbers of my relatives and called them too enquing about me and i was ashamed to seek anyone's help any more..anduke inka em cheyaleka i avoided...14 ki min payments chesukovadam with job is easy but velaki velu kattalante nake levu honestly and my bf was also inka worst situations lo unde so ala ala avoid cheyadam ayyindi...nenem asalu matladakunda lenu since aug 2010 i talked 30 times but i told them that i can pay ONLY 500$ per month antakanna ayite NAVALLA KADU ANI...they were never negotiating which is practical so frnds and bf kuda ligth tesuko inka 2 yrs em chesadu inka ippudu em chestadu annaru...na credit history was not even 500 to take loan and i already took so much from family and india lo parents ni adagalenu...i cannot say i will not marry guy of your choice and will marry my bf BUT I WANT UR MONEY as they are still not okay loving a reddy..inka em cheyaleka TOTALLY IGNORED...BF di ade paristhithi inti nunchi chilli gavva radu anduke sem break chesi mari offcampus chesi he paid fee ...basically same age love story kashtalu mavi and recession was a blessing for us :(

Enni yrs tavata he says not to touch the collections acccounts which has a reason...4 yrs tavata in california the debt is time barred debt so even if collections approach court the judge can cancel the legal case and conviction is not possible how ever they can always harass me coming to home or workplace and make those hundreds of calls...His point is ippduu nuvvu malla call ethi if you talk to them the 4yrs time CLOCK WILL RESET TO TODAYS DATE AND THEY CAN PROCEED LEGALLY APPUDU INNI YRS KATTAKA AVOID CHESAVU KABATTI JAIL KI VELLI KUCHUNTAVU...INKO 4 MONTTHS LO 4 YRS AYIPOTUNDI SO HE WANTS ME NOT TO TOUCH THE ACCOUNTS NOW AND FALL IN TROUBLE...NEETI NYAYAM ANI ALOCHISTE JAIL LO UNTAVU..HOWEVER IPPUDU KATTADANIKI NEGOTIATION KUDA COLLECTIOSN VADU WILL NOT BE OKAY..40K IN 30 DAYS ANTE EKKADA NUNCHI TECHI KADATAMU ANEDI HIS POINT...AND 40K IS NOT TODAYS QUOTE IT WAS IN 2010.

I WANT TO PAY IF I CAN PAY IN INSTALLMENTS BUT BANK KI KANNAM VESI I CANNOT PAY AND KANNAM VESE TALENT KUDA LEDU...HE HAS A VALID POINT FROM HIS SIDE..HOWEVER I AM IN SITUATION ANDUKE I M SCARED..I AM VERY PIRIKI ITS ONLY HIS CONFIDENCE WHICH MAKES ME BEAR ALL THESE PRESSURES AND STILL LIVE OVER LOOKING THEM..HE GETS IRRITATED AS HE IS GIVING THAT CONFIDENCE FROM YRS AND YRS AND I ASK THE SAME THING AGAIN AND AGAIN IN FEAR FROM YRS AND YRS...HE THINKs I WILL CRY MORE AND PANIC IF HE GIVES ME A CHANCE TO SPEAK ABOUT IT FOR MORE TIME ANDUKE HE SHOUTS ON ME AND TRY TO END THE DISCUSSION but i cannot divert it irritates me more.. I KNOW HIS INTENTION TOO BUT I AM A GIRL AND I WANT HIM TO CONSOLE EVEN IF I AM CRYING 1000 TIMES AND GET MORE FRUSTRATED AND HATE HIM AND WANT TO KILL HIM WHEN HE SHOUT WHEN I AM IN SUCH A TERRIBLE SITUATION....IT MIGHT BE FUNNY FOR EVERYONE BUT I GET SCARED SEEING A COP...EKKADA COP KANIPINCHINA NANNU PATTUKODANIKE VACHADEMO ANIPISTU UNTUNDI AND BHAYAPADI MY LEGS SHIVER AS I DID A MISTAKE AND THAT FEAR IS DEEP INSIDE ME THOUGH EVERY ONE LAUGH SAYING COLLECTIONS KI JAIL KI EM POVU ANI...I SAW MANY RUDE COMMENTS SO THOUGHT TO SHARE IT...


About credit score..

Just before i stopped making payments in july 2008 : 780
After i stipped making payments for 2 months Aug 2008: 700
After it went to collections in Nov 2008: 400( exact ga gurthuledu but less than 500)
When i bought the car in 2011 may : 540( Assuming improved because i was earning)
2 days back when i refinanced the car : 680

About my canada trips:my univ in US is 4 hrs drive from his univ in canada
UK Trip : my sister bought the two way ticket.


Hope it answers every one questions...Just thought to share seeing comments..anni rayalem kada live movie so i just wrote regarding yesterdays situation in post.. i am not offended but i was hurt to see people thinking i am a CHEAT..situations anthe thats what i wanted to convey..


[url="http://www.creditcards.com/credit-card-news/credit-card-state-statute-limitations-1282.php"]http://www.creditcar...ations-1282.php[/url]

[url="http://www.creditinfocenter.com/debt/settle_debts.shtml"]http://www.creditinf...tle_debts.shtml[/url]
[/quote]


[img]http://i569.photobucket.com/albums/ss132/pr-rox/Bemmi%20Gifs/Brahmi_tears.gif[/img]


evaru enni matalu anna intakante emi cheyaleru

hope for the best

iga meru iddaru kalisi decide chsukondii

Posted

inni kastalu pettukoni 13times canada ki ela vellavu. [img]http://i569.photobucket.com/albums/ss132/pr-rox/Bemmi%20Gifs/Brahmi_tears.gif[/img]

i really feel bad for you. anni kastalu okkeysari vachayi. daaniki nee [b]POOR MONEY MANAGEMENT [/b]thodu ayindi.

okka small suggestion: nee bf ni nammithey 100% nammu lekhapothey asalu nammaku. 50-50 untey future lo chaala kastam.

atb for ur future/

Posted

[quote name='Vaampire' timestamp='1345840309' post='1302375478']
inni kastalu pettukoni 13times canada ki ela vellavu. [img]http://i569.photobucket.com/albums/ss132/pr-rox/Bemmi%20Gifs/Brahmi_tears.gif[/img]

i really feel bad for you. anni kastalu okkeysari vachayi. daaniki nee [b]POOR MONEY MANAGEMENT [/b]thodu ayindi.

okka small suggestion: nee bf ni nammithey 100% nammu lekhapothey asalu nammaku. 50-50 untey future lo chaala kastam.

atb for ur future/
[/quote]

atu prema itu finances madyalo aa ammayi confuse ayindi le bhayya..She doesnt know how to manage the things..

Posted

[quote name='ronitreddy' timestamp='1345993496' post='1302382870']

atu prema itu finances madyalo aa ammayi confuse ayindi le bhayya..She doesnt know how to manage the things..
[/quote]
same opinion. kaani desham kaani desham vachinappudu jagratha gaa undali.

Posted

[quote name='Vaampire' timestamp='1345993584' post='1302382872']
same opinion. kaani desham kaani desham vachinappudu jagratha gaa undali.
[/quote]

thana bf light tiskommanadu anta le bhayya..thanaki against ga ee ammayi cheyalo ledo ardam kakunda ala chesesindi anta..

Manaki inside details thelivu..So we just cant jump into conclusions..

Posted

ilantivi chaala common mana daaka raavu anthe !! i know how it happens cards geekuthaam avasaraaaniki job vasthundi le ane dhairyam tho kaani chivariki adi M gudi si pothe ilane untadi!! so we just need to be on the +ve side of her instead of trying to pick on the -ve side!

Posted

may be i missed some replies but what did you do with the original 26K dollars? That's a lot of money..

Posted

You will be put in jail for 9 years
after 9 years you will be deported
[img]http://i47.tinypic.com/vb0r9_th.gif[/img]

Posted

money management course edina join avvu [img]http://i47.tinypic.com/vb0r9_th.gif[/img]

attage naak kooda cheppu ekkada join ayyavo [img]http://i47.tinypic.com/vb0r9_th.gif[/img]

Posted

[quote name='jbourne' timestamp='1345839634' post='1302375367']


[img]http://i569.photobucket.com/albums/ss132/pr-rox/Bemmi%20Gifs/Brahmi_tears.gif[/img]


evaru enni matalu anna intakante emi cheyaleru

hope for the best

iga meru iddaru kalisi decide chsukondii
[/quote]

Chala hurt ayyinattu unnaru. situations anthe manishini ila chesthayi... dont worry

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