UDC - UnitedDebtCounselors

[amazon]

Nenu past 1 1/2 year nunchi india lo untunna because of h1b issue.

Naa US credit cards minimum balance pay chestunna, still now.

Naku UDC nunchi mail vachindi asking to call to discuss about cards ani. nenu call chesina, vallu naku kavalantay naa kosam vallu bank vallatho matladi nenu katalsina payment nunchi 30-40% wave chepista anaru.

enduku ila call vachindi? proceed avocha? any issues?

[amazon]

nenu vallaki chepaledu ind lo untunna ani...don;t know chepochoo ledoo.

[Hitman]

1 minute ago, amazon said:

Nenu past 1 1/2 year nunchi india lo untunna because of h1b issue.

Naa US credit cards minimum balance pay chestunna, still now.

Naku UDC nunchi mail vachindi asking to call to discuss about cards ani. nenu call chesina, vallu neeku kavalantay nee kosam memu bank vallatho matladi nenu katalsina payment nunchi 30-40% wave chepista anaru.

enduku ila call vachindi? proceed avocha? any issues?

This is regular procedure for delinquent accounts.. the banks must have forwarded your profile to debt collection agencies. you can negotiate with them up to 50% and confirm No interest (not sure, but try) easy installments going forward.  they should be agreeing based on your current situation (believe you are no pay status, not working from home).

[Hitman]

1 minute ago, amazon said:

nenu vallaki chepaledu ind lo untunna ani...don;t know chepochoo ledoo.

based on your story you have been paying minimum payments .. that means you have intention to get back to US.. if so.. tell them actual scenario.

[amazon]

4 minutes ago, Hitman said:

This is regular procedure for delinquent accounts.. the banks must have forwarded your profile to debt collection agencies. you can negotiate with them up to 50% and confirm No interest (not sure, but try) easy installments going forward.  they should be agreeing based on your current situation (believe you are no pay status, not working from home).

vallatho matladi 40-50% cut chepistay, future lo problem vastada? if i come back to us?

[amazon]

6 minutes ago, Hitman said:

This is regular procedure for delinquent accounts.. the banks must have forwarded your profile to debt collection agencies. you can negotiate with them up to 50% and confirm No interest (not sure, but try) easy installments going forward.  they should be agreeing based on your current situation (believe you are no pay status, not working from home).

the banks must have forwarded your profile to debt collection agencies: bank enduku forward chesindi? i am paying min payment every month.

[Hitman]

2 minutes ago, amazon said:

vallatho matladi 40-50% cut chepistay, future lo problem vastada? if i come back to us?

what i heard is.. you will have derogatory remarks on credit profile up to 10 years..difficult to get future credit cards/ any sort of loans.. Be genuine you can build good history in few years.

[amazon]

18 minutes ago, Hitman said:

what i heard is.. you will have derogatory remarks on credit profile up to 10 years..difficult to get future credit cards/ any sort of loans.. Be genuine you can build good history in few years.

so, vallaki phone chesina india lo stuck aina ani chepamantava.

malle US ki vellina, 10 years varaku waste antaraa? like cc's loans em rava naku 10 years varaku?

[amazon]

debt collection agencies ki naa profile velindi kabati, deni valla future lo visa or port of entry issue avuda?

[LastManStanding]

45 minutes ago, amazon said:

Nenu past 1 1/2 year nunchi india lo untunna because of h1b issue.

Naa US credit cards minimum balance pay chestunna, still now.

Naku UDC nunchi mail vachindi asking to call to discuss about cards ani. nenu call chesina, vallu naku kavalantay naa kosam vallu bank vallatho matladi nenu katalsina payment nunchi 30-40% wave chepista anaru.

enduku ila call vachindi? proceed avocha? any issues?

daniki visa ki em sambandam ledu bhayya..UDC vallu anthe chestaru..consolidation cheyinchukovachu but nee cards close aipotai..nuv udc ki pay chestav instead of cards..nee personal decision inka

[amazon]

2 minutes ago, LastManStanding said:

daniki visa ki em sambandam ledu bhayya..UDC vallu anthe chestaru..consolidation cheyinchukovachu but nee cards close aipotai..nuv udc ki pay chestav instead of cards..nee personal decision inka

Naa cards close ayipotayaa?

nenu Malle US ki vastay 10 years varaku Naku cards loans em ravaa?

[amazon]

Ltt

[LordOfMud]

48 minutes ago, amazon said:

debt collection agencies ki naa profile velindi kabati, deni valla future lo visa or port of entry issue avuda?

 

40 minutes ago, LastManStanding said:

daniki visa ki em sambandam ledu bhayya..UDC vallu anthe chestaru..consolidation cheyinchukovachu but nee cards close aipotai..nuv udc ki pay chestav instead of cards..nee personal decision inka

already nee credit ki damage aipoinde, so minimum kudaa pay cheyaku, once u r back, negotiate to pay as per u r comfort, u can get a C card with a deposit.  ( Q. total gaa entha 10gipoyaavu? ) 

Note: Just maintain <$ 10 in u r personal bank account  

[Hitman]

1 minute ago, LordOfMud said:

 

already nee credit ki damage aipoinde, so minimum kudaa pay cheyaku, once u r back, negotiate to pay as per u r comfort, u can get a C card with a deposit.  ( Q. total gaa entha 10gipoyaavu? ) 

Note: Just maintain <$ 10 in u r personal bank account  

airport lo digagane... catch antaremo???

[LordOfMud]

Just now, Hitman said:

airport lo digagane... catch antaremo???

no idea on catch or cc link with H1 visa