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Everything posted by esterlydsl1

  1. I think you should consult to debt negotiation lawyers for this purpose.
  2. Good luck for your story.. Hope you will get success in that what you are thinking of.
  3. Thanks.. These links are very beneficial. I must say you are doing a great job over here.
  4. Google is your friend. If you don't find any way than search on Google.
  5. Ohh it means I not the single one facing this problem.
  6. I have returned back this thread after a long, and it seems as if the discussion is no longer in progress.
  7. Probably, the CA listed on your report that isn't yours, and that is why they are not responding to you.
  8. Consulting an attorney does not always means that he will drag you to file bankruptcy. Take advise, and then decide yourself, what seems the best to you.
  9. When you decide to file a bankruptcy, your lawyer has to be informed about your exact financial position. You can disclose every aspect of debt consolidation and the bankruptcy lawyer will help you out in preparing the case document for you.
  10. Bravo! You are a source of inspiration to others who often live the hope of getting back the control in their hands. All the best for your future endeavors .
  11. It's good that you are in a state of paying off your debts.How about contacting your creditors directly?
  12. Hey, I am sorry if I have hurt the sentiments of anyone. It was not my intention to preach anyone, but I just have put upon my views. I am still saying that one should avoid taking too many loans, because it only entangles you in the debt web.Just don't it otherwise.
  13. People always counter such problems, when they try to do it themselves.That is why we recommend that a professional's help should be taken to carry out the settlement deals.
  14. If they are not in a position to send you any proof, that means you are in a stronger position in comparison to them. Tell them that they are causing unnecessary mental harassment to you and you can move on to take a legal action against them.
  15. I visited here to be able to provide an answer to the question, but now I realize that I have actually get an answer to many questions which were a bit confusing to me. Thank you everyone for enhancing my knowledge.
  16. Though you will find a number of people who might have filed their bankruptcies by themselves, but I would suggest not to make experiments on the things which are not of your kind and in which you do not find yourself quite accustomed. Filing bankruptcy is not a simple thing, and a professional's help will definitely be recommended.
  17. Yes, I liked the way you have inquired about the exact amount you owe to them instead of accepting the things as it is. It reflects that you are a responsible person, and regarding the technical aspects, it is even good that you have asked them to contact your lawyer for further correspondence.
  18. If you have already decided to file a bankruptcy, then it is absolutely important to hire an bankruptcy lawyer. As it reflects from your post, you have no liabilities, and you are educated too,then how come you are living in such a pitiable condition? Isn't it important for you to get educated regarding how to manage your finances?
  19. Yes, I totally agree with you, but I will also like to add that unless you are sure of your communication skills, you shouldn't make such efforts. The main purpose of speaking to your creditors is to convince them about your exact financial status, and that you are actually feeling helpless to repay back the borrowed amount in the specific time and that the full amount is not possible to be returned back.Thus, making negotiations is the work of great skill.
  20. You must have thought about the financial mess that you were about to create,by taking loans on so many things.If your income allows you to live a simple life, then should should have accepted it long before entangling yourself into the clutches of debt.Now, you have to settle these debts with the help of an expert, and get out of the problematic situation.
  21. As you must have understood by now, that you can held a person for not responding to his responsibilities, which is harmful for others.When, a CA is not liable to respond to your request, it means you cannot legally compel him for doing so.
  22. If you are aware of your liabilities, then why do you wait for your creditors taking any action against you? Why did not you tried making debt negotiation? You can always take an advice from some financial expert in your locality to sort out this problem.Now, if they force you into an involuntary bankruptcy, it will take a good amount of time to get over with it.
  23. I think your question is quite interesting and you have written it in a poetic mood. To answer it, I would say that if you are cooking two food items at a time, and steering just the first vessel and not the other one, their are chances that the food will stick to the bottom of the second vessel.Similarly, if you are repaying back just one kind of debt and do not pay heed to another one, it is going to be problematic later on. Why not you opt for debt settlement if you are not in a position to pay back all your debt. If think, you have good source of income at present, then you may opt for deb
  24. Probably the lawyer is used to take advantage of the ignorance of many common people. You have every right to make a complaint against him. Moreover, it is presumed that you must be knowing that are you actually under any sort of debt, and if you are not, then stop worrying about it.
  25. Debt settlement is an important matter and ought to be given a great heed. If hiring an debt settlement lawyer, you must check out his past records,that has he really provided debt relief to any of his clients? If you are going to take the services of a company, find out whether the company is a member of a trade organization that monitors compliance to industry standards and requires strict adherence for membership.XtypeXXtypeX