Help Debts

Posts Tagged ‘hell’

I need legal advice on how to handle a debt problem. I owe ,000 to 3 USA credit cards each, so a total of ,000. I am broke, but according to all the lawyers that I have consulted (all of them belong to the California American Board of Certification, the national certification board for bankruptcy, or the ones rated on the Best bureau Business,) tell me that I can file for bankruptcy, but the judge will not allow the debts to be discharged (Is a long story and all the lawyers ask me why and once I explained them, they agree that is not advisable).
I have lived a hell suffering because I think is not ethical to avoid paying, but I am broke, my plan was not to do this, they offered me credit cards with balance transfer and I used them as a way to borrow money while I was solving my problems here, but things did not worked the way I planned and suddenly I cannot obtain more balance transfers and the debt is there but I am broke.
So, I am not looking for a lawyer to file bankruptcy, I am looking for a lawyer that answers my questions that I will have through the collecting and suing process.
I am Mexican, I have lived in Mexico the last 7 seven years of my life. I do not have any assets in the US nor in Mexico or anywhere, I do not have any assets at all.

The same lawyers that I have contacted, I have asked them for a legal consultation, but, they do not offer that, some of them have suggested me to look for a lawyer with practice in the debt collect law. So, my first question is where to look for a reliable lawyer. The questions that I have right now for this lawyer are below, just in case you want to give your opinion if have had any experience on this.

What happens if I answer the call and tell them that I will not pay them?

If I tell them that I do not have any asset in the USA?

And I am not living in the USA?

And I am broke?

I am not American (this may cause that the bank send a notice to migration)?

They may find out that I have some relation with that address in California is that a problem for the people that live there?

Are they ever going to go the California address?

They may find out my address in Mexico, is that a problem?

If in the future I want to go to the USA, Will migration sends me to jail or does not allow me to be there?

How long does it take from the initial of collecting until the release of charges from being sued?

What happen if they sue me?

I need advice on what I should pursue in college, I am a junior and am torn between education and business. Which route should I take?
This question has been tormenting me for about a month now, and I thought I’d have it answered by now. I am very torn in between these two programs: 1. Human Resources and Society with certification to teach economics, geography, history, political science, and english at a secondary level. 2. A Bachelors in Business Administration with specialization in Supply Chain Management and Marketing.

Both programs are highly recognized, secondary education coming in first in the nation (U.S.), and the BBA being decent enough (Supply Chain is ranked second in the U.S.).

I can see myself being happy with future positions in either category, which is why I’m having such a tough time deciding. In addition, I am a junior and will need an additional 21 credits passed what I need to graduate with the BBA if I choose the education route, which translates to about ,000. I do have money to pay off some college, though I am expecting moderate debt and that adds onto it.

As far as the positions go, I love to teach and would be a great teacher. Especially those subjects I listed. Also, I would be giving a piece of me to the kids I teach which would be very fulfilling. I think it would be a fun job. I also enjoy the idea of having a lot of flexibility in the summer, as well as with weekends and holidays off. On the other hand, I have a knack for making deals and wouldn’t mind a higher income (still, freed up time is most important to me). However, I see many studies on people with high hopes who get stuck in corporate hell and hate their jobs (some stats say 84% of Americans hate their jobs!? But I didn’t see anything in that regarding educators). I really don’t want that to happen to me. Ideally, with a BBA, I would like to be in control of most marketing and supply coordination. Even more ideally, I’d like to use this in the film industry. But those are highly competitive fields and I’ve been reading a lot of studies on how Americans end up in corporations to hate their corporate jobs. Honestly, it kind of seems like those who don’t want to do pre-med or pre-law choose business, and I don’t want to get sucked into like that.

Would I be able to enter the business realm with this HR and society degree that enables me to teach if I find that teaching isn’t the right thing (I have already taken entry business classes to give me the business emphasis for this program)? Is the extra cost worth it (I also have to dedicate another year to student teaching, which also counts for my masters)? If I do pursue the BBA, will the boring class work be worth it (I’ve heard from many graduates that you learn business in the real world, not through an institution, but wouldn’t I need the degree to get my foot in the door because it’s highly specialized)? If I do business, should I view work as something you’re supposed to dislike, with the purpose of making a buck?

All advice/answers are appreciated, but I’d prefer people whom have already graduated in either area as well as an unbiased perspective to answer this question. I am so torn, please help.

Thank You Very Much All – Better Late Than Never

I’m 17 and from California. I’m originally from IReland though but moved to California when I was 8 so I always wanted to move back. I applied to colleges there for the hell of it and finally just dcided to go to college in Ireland. Problem is I have to pay international rates. 6k a semester. 2k for housing per semester. So my parents have taken out loans for 8k and spent lots of money sending me over here. and that’s just for the semester. I’m only 17 years old. In a different country by myself. I think I just had a reality check. I don’t want all this debt after graduating. Why didn’t I go to college in California where it’s basically free in the state schooling system and I could probably get a better education anyway.

But now my entire family over here is so proud and happy that I’m here. and my dad is so glad because I got out of California and he hates California he’s only there for work. And he’s so proud of me and is telling everyone how great his son is that is going to college in Europe by himself. Oh god……..

I really don’t want this debt. To already be 8 thousand dollars in debt at 17 years old that’s horrible. I’ll be a slave to society for the rest of my life then.

I’ve only been i ncollege for 3 weeks. I asked the fees office about disenrolling and they said if I was to do that majority of the loan would be returned to the lender but I’d have to pay for the equivalence of time I have been enrolled. So that would probably be like 1 thousand. I wouldn’t get my housing deposit back. So I’d still be 3 thousand dolalrs in debt but that’s a lot better than 8k. Then what I could do is get a job and live with my grandparents. I could apply to a cal state for fall of ’10 and work off the 3k here in Ireland for the enxt year so I’d be debt free going into college.

MY grandparents would still get to see me. But I don’t know what my dad is going to think. He’ll either be happy that I’m smart enough to not want debt or so angry that I wasted his time and money sending me over here.

What should I do? I will feel like a total loser disenrolling but you know what I can’t stick this debt and I can go to college enxt year when I’m 18 after all I’m only 17 years old for christ’s sake.

Please give me some advice. Thank you.
I would feel even worse if my parents paid for me.

I can’t finish the year ebcause next semester will be another 8k and that doesn’t even include living expenses.

When the Government hikes interest rates leading to more EMI’s on your mortgage, it adds even more misery to your bleak existence. No more degrees of freedom and a hopeless vicious cycle is what you inherit.
I’m earning a hell lot of money in my present line of work but all of it seems to go down this bottomless bit called debt. I’m young -just turned 26 and feel frustrated with this choking condition. I never asked to be in this situation but now there’s no way to get around it.

A debt settlement company can help you settle your debts. Too many accounts to handle it yourself? There is help, but choose carefully and know the consequences.