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    1. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      fair comment but.... JETX, it is a fair comment, but I am not here because of some masochist pleasure of browsing through US bankruptcy sites from the UK. My debts are in the US, and as a result of my rather peculiar situation (owing in US, living in UK) noone in legal profession (on both...
    2. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      lol You are not comparing Brits to 2 year old babies are you? :) it is slightly different situations wouldn't you agree? On a joking note, recent tantrums by His Royal Highness Prince Henry do make one wonder if he is 2 year old indeed.... :p
    3. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      internet slang I should perhaps explain why I was abbreviating so much - have to apologise in advance for a completely off-topic post. here in the UK (and everywhere in Europe really) text messaging on mobile phones (SMS) has really turned into a boom with people largely preferring to text...
    4. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      witty response. A witty response mate, very nice :) you have a good sense of humour - full credit for that. I suggest we stop our bickering right here. I apologise for quick typing - I honestly thought it is a commonly accepted way everywhere now. If I may suggest something - let us try to...
    5. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      point taken Ladynred, you helped me loads on a few occasions, and many thx for this comment. Point taken. On a separate note, JETX, you may want to take a look at this to see how normal polite people get their point across.
    6. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      impressive.... I will admit it sounds impressive - and I'm not being sarky. One question though - how did u manage to get three doctorates being as rude to people as you are? Or you do not need to bother once you are on "GI bill"? I may have been wrong in what I posted but I was not the one...
    7. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      poor education???? As I said above, since ppl reckon my posts r confusing, I am no longer posting on the matter in question. I apologise for an off-topic post but Mr JETX: No matter how proficient u may be in legal matters, the way u sound shows that u r a complete tosser and retard socially...
    8. V

      summons letter undelivered - what then?

      trying using SOL Ladynred, cud u pls elaborate? many thx in advance. How wud I start trying to use the SOL as my defence from here in the UK? I mean - practically speaking - what do I need to do?
    9. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      RIGHT answers ok - but wud u mind giving the "RIGHT answers"? I wud be interested to know myself. I do not think the original post has been ever addressed by anyone in the middle of our "discussion". Thx in advance.
    10. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      a suggestion Personally I suggest we stop bickering and concentrate on the matter we r discussing. Exchanging verbal fire and calling each other names is NOT helping anyone, ppl who asked for advice in the 1st place. If the person who originally asked for advice here ("ccmmjjoo" I believe)...
    11. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      idiot? let me quote something u said before we go into discussion who is an idiot here: QUOTE: Mentioning arrest is ONE OF THE BIGGEST violations of Fair Debt Collection in the US (does not apply to Canada or UK though). They will excuse themselves and hang up. After that REPORT THIS...
    12. V

      Credit Card, Attorney sent letter, Please help me! Thnks

      response I have never claimed I know all the twists and twiddles of the law - I wudn't be here if I did. I mentioned a few times that my posts r MY OPINION ONLY and in no way r solicitation for ANY course of action. What I told here is what ACTUALLY worked in a similar situation in my...
    13. V

      Freeze Checking Account?

      bank accts if your lender gets a judgement against u, they will clean out all the bank accounts u hold WITH THEM. There is nothing in the law stopping u from opening a new account before or even after filing for BK. Funnily enough, by CA law e.g. the only 2 things u can't do AFTER filing for...
    14. V

      Credit report hit

      disputing an entry on Credit Report if u dispute an entry on your credit report with a CR agency, and the other side submits no validation of the entry within 30 days, the CR agency has to remove it from the CR. Benefit of doubt, I belive it is called. i think in your case u r guaranteed to...
    15. V

      Please Advice

      u lost me now u lost me now geezer :) how come your debt is considered your wife's? was she borrowing money and giving it in cash to u? u definitely have a way with women then matey :) on a serious note, if that is the case, maybe it'd make sense for her to go BK and u steering clear...
    16. V

      Credit report hit

      phone Experian phone Experian and tell 'em what u r telling us (NOT mentioning how silly u were as we all were silly but none of us likes being reminded of that). U will see the negative entry off your credit report in 30 days.
    17. V

      Direct withdrawal question

      sounds like your bank's glitch sounds to me it's a problem with your bank, not your lender. Your bank did not properly cancel the direct debit, and that is not your lender's fault. have u got the name of the person u phoned first at your bank asking to cancel the direct debit? Most probably...
    18. V

      Please Advice

      live example let me give u an example mate. say u r wearing a Versace suit and driving a merk and u ask me for a 10K loan. Off u go, money in your pocket. We agree u pay me 100 bucks every month. A couple of months pass by, u r making your payments, but I bump onto u on the street and I see...
    19. V

      Options for credit card debt?

      brilliant advice I personally got a 33% settlement with Citi on 2 CCs with them totalling 18+ K dollars. And of coz they removed negative entried on my report. Thet just had to :) This is one of the best advices I've seen on this site. BE FIRM AND NEGOTIATE!!!!
    20. V

      Summons

      just a letter It needs to be a Cerified letter from yourself of which u get a postal receipt for delivery. U definitely do not need to validate it anywhere.

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