|
|
Post by paperpiler on Jul 18, 2009 18:15:13 GMT -5
I have a fast-developing financial squalor situation concerning a creditor (credit card debt) and have been contacted by an extremely litigious law firm. I do not feel comfortable revealing details publicly as some details might hit "too close to home" for identification purposes.
I know a few of the admins and a few others are extremely knowledgeable about financial issues. I am stumped on the best course of action for this.
If anyone who "knows their stuff" would be able to PM me, I'd greatly appreciate it. Thanks!
|
|
|
|
Post by paperpiler on Jul 18, 2009 19:17:57 GMT -5
Contacted and hopefully we can figure it all out. If not, well, hehe...I'll be back here again.
|
|
toni
New Member
Joined: August 2008
Posts: 73
|
Post by toni on Jul 18, 2009 20:02:12 GMT -5
Some un-solicited advice: DO NOT let a debt collector have electronic access to your bank account! They have the potential to CLEAN YOU OUT by taking way more than you authorized them to.
Also, don't let them upset you. That's their objective. Their theory is that if you get upset, you're less likely to make a rational decision.
Lastly, I highly recommend Dave Ramsey (www.daveramsey.com) for financial advice. He has two books that are great! His teachings are Christian-based, but please don't let that turn you off if you don't have the same beliefs. His financial advice makes TONS of sense.
Best of luck to you and your situation.
|
|
|
|
Post by chakraverte on Jul 18, 2009 21:18:43 GMT -5
Can we maybe move this post to the privae part -- or can we start another thread somewhere about this?
I'm 16,000 plus in credit card debt, plus student loans... any information about how to pick a financial advisor would be helpful.
xoxo
Chakraverte
|
|
|
|
Post by Meme on Jul 18, 2009 21:22:08 GMT -5
ck out courageous lion's thread in by-ways today re her busy and pain thread- she mentions something she is doing re debt- and I think she does have other info about this on other threads- maybe when she is feeling better she can help with those threads- I do not know how to look up back threads-
hugs
|
|
|
|
Post by gettingsomewhere on Jul 18, 2009 23:35:50 GMT -5
good luck with these issues to everyone concerned. i know how debilitating it can be. but please remember there are many peeps out there who can legitimately help you. please get professional advice.
hugs to you
chez x
|
|
|
|
Post by SueDonym on Jul 19, 2009 0:15:01 GMT -5
If you need input on your situation, check the info and forums at www.creditinfocenter.com. With the help of their members and the info from the founder's book, my credit rating went from 550 to 700+ in a couple years. They have many people well-versed in state-specific laws too. Collectors WILL lie to you to get what they can. Dealing with them before you are informed can seriously affect your rights. Make sure you know your laws and rights before you deal directly with them. ((((hugs)))) |
|
|
|
Post by yearning4order on Jul 19, 2009 2:58:02 GMT -5
If you are in the US Consumer Credit Counselling is a good place to start--they are free.
|
|
|
|
Post by paperpiler on Jul 19, 2009 11:21:21 GMT -5
My thanks to all who've written here and in PMs. Somehow, this situation will be worked out. Not sure how right now, but it will be.
|
|
|
|
Post by bigtimetroubles on Jul 19, 2009 18:49:14 GMT -5
for those in this type of situation I think CL would agree that Debtors Anonymous is a place that is there for help...it is a twelve step program I am a member of and it can be found all over the world by going to www.debtorsanonymous.org/if no meetings are in your area there are telephone meetings or online forums that are email based like Solvency List that are there too.... hope this helps and keep this moving for those who need recovery but it prob needs to be taken by the mods to the byways threads.... hugs bigtimetroubles |
|
|
|
Post by paperpiler on Jul 19, 2009 20:08:06 GMT -5
Thank you for posting this, but I'm really hoping that a few will be able to respond directly and privately to specific questions so that I'm able to move forward with something this week. :-)
|
|
|
|
Post by zinnia on Jul 19, 2009 21:24:31 GMT -5
The forum at CreditBoards.com might be helpful.
Good Luck!
|
|
|
|
Post by bigtimetroubles on Jul 19, 2009 21:51:01 GMT -5
I also pulled up CL post of her triumphs and stuggles with financial stuff did you get to read it before it scrolls low in the list again?
hugs bigtimetroubles
|
|
|
|
Post by paperpiler on Jul 19, 2009 22:00:36 GMT -5
Yes, I did. She is an inspiration to a lot of people.
|
|
