Hi all,
I have been reading this forum for a while with keen interest. Its obvious you folks know your stuff and I appreciate you taking a look at my issues. A sincere thanks for any response. I sure appreciate it.
I am 67 and considered by SS to be retired. I was on SS disability (heart) since 2000. In 2007 I lost my Long Term Disability payment from my company because I reached 65. Now that is all I get. SS has kept my benefit the same as dis. was (take home $1950/mo, but lost $2500/mo additional from the company.
I have chatted with several lawyers and their overall opinion is to just not pay the three cards I have. I am living with my daughter/gkids and have agreed to pay for some food, cable, remodeled the basement ($8000 from 401k now empty) and other bills. I have had a serious heart condition for years. 5 heart attacks and 17 angioplasty's since 1985. Also several surgery's. I can't work.
These attorney's felt that if I wasn't concerned about my credit score (845) any more, other than telephone calls, nothing would happen. I only have the ss payment going into my debit account. They said filing bankruptcy would cost and nothing different would come of it.
Because $450 a month goes to cc, I am without money by the end of the month, and buy a little food with my cc. And that keeps getting me deeper in debt.
Card Balances
Chase Visa $11,000
Commerce Bank Visa $3150
Bank of America Visa $4897
One attorney told me I was foolish to have taken a loan on my small life insurance policy to pay some of the debt. Now I get interest charges from the life ins co that I can't pay either. So it just draws down the cash value/benefit left which will last for about 4 more years.
My questions are
Can I not send payments this month and just wait for the calls?
What can I say to the cc companys other than I can't pay?
I don't have to give any details, do I?
A judgment just means I owe the debt, but doesn't make me pay?
If I die, the debt goes away. My beneficiaries (kids) can't be attacked?
I was told that they can't take my ss benefit. Is that correct?
That's about it. Sorry to go in and on. Thought your opinions would help me reduce the stress that I feel now. I really mismanaged my money the last 10 years.
Thanks again,
Swen
Chicagoland
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Retired and cant pay credit cards. Should I wait for their
Hi, where did that pic of the gal come from on my above post.
cant make payments on credit cards
Hi Swen,
Welcome to this community :)
Last question first
where did that pic of the gal come from on my above post.
This picture is called the avatar. Until you upload your own picture (anything that you like), this avatar changes each time you reload this page. The avatars are not gender specific. So, the picture of a girl had appeared on your above post. The next time you see it, it will change into some other avatar :)
Well, now coming to your queries.
Can I not send payments this month and just wait for the calls?
Can I know if you are talking about the collection calls? If you wait for the collection calls, then you are wrong. If you miss the payments, interest charges, and late fees will get added on to the existing balance. Then if the account gets handed over to a collection agency, you will be harassed by their calls. Thus, it is better to consolidate all your debts into one, and pay those off. In debt consolidation the interest rate is lowered, and you have to make a single monthly payment. It is much better to deal with your creditors than the collectors.
What can I say to the cc companys other than I can't pay?
and
I don't have to give any details, do I?
You need to send them letters, mentioning that you are willing to make payments, but is facing problem due to financial hardship. You will have to attach your monthly income and expenditure along with the letter.
A judgment just means I owe the debt, but doesn't make me pay?
A judgment means you owe the debt, and you will have to pay off the debt, that is satisfy the judgment. If you don't pay the judgment amount, the judgment may get renewed.
If I die, the debt goes away. My beneficiaries (kids) can't be attacked?
When you die, your children may not be directly held responsible for your debts. However, the creditors can go after any estate money or property. Now, if any of these are handed over to your children by you, they may have to deal with your creditors.
I was told that they can't take my ss benefit. Is that correct?
Yes, this is true that they can't take your Social Security benefit. However, you will have to declare this to your bank that all your money comes from Social Security. You will also have to notify this to your creditors.
Thanks,
Aaron
Cant make payments on credit cards
Thanks for the welcome Aaron. Appreciate your response. I have been reading all of your posts and the other folks in this community and am gaining insight into my situation. Thanks all.
I am 15 days from my first default with the 3 cards. So it is the original card companies. Live in Illinois.
I'd add that I really don't have anything left other than a bed, tv, 9mm, computer and a drawing table. I am fortunate to have a wonderful daughter and 2 gkids that let me live with them.
Looking forward to a judgment, other than publicly stating that I owe the money, what else can the judge do? SS is my only income and at my age, credit score means nothing.
Of course I fee bad that it has come to this, but I see no way to pay. I have to keep my health insurance and other needed expenses to live up to date.
Thanks again,
Swen
making payments
Hi Swen,
I understand the problem that you are in. Still, if possible you can try to consolidate your debts. As I have said, in debt consolidation all your debts are consolidated into a single account. Thus, you will have to make a single monthly payment. Thus, it becomes quite easy to pay off your debts.
Hope that this will help.
Regards,
Aaron
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lindsay lohan Davenport had frolicked pretty much all fall within the athletic the courtroom without the presence of pain in their own leg or foot which in fact had disruptive her for pretty much two various.
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concerning Davenport, A crotch performance which had been harsh next activity monday was achy combined with warmups Friday grew to be hurting punishingly the biggest market of by your lady healthy semifinal from years old 19 Svetlana Kuznetsova, high level, casual attacker.
By the core third determined, Davenport, Seeded fifth, will be able to barely carried out. by the end the actual suit, A teary Davenport limped off from Arthur Ashe athletic field saddened simply by the woman 1 6, 6 2, 6 4 losing must not because of this lady odds of profiting a second wide open they were lost or alternatively fit in with talent 22 suffered win terminated, but nonetheless,but nevertheless,on the contrary when your girl bloodstream failed to cause the opportunity to recommended play.
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the debate Over Child Abuse in Oregon's Ukrainian Community
(SALEM, Ore.) Stories we have published about a Ukrainian immigrant couple convicted of abusing their kids in Salem, Are bringing more story comments than we are utilized to, And our stories receive comments everyday.
40 years old Alexander Kozlov and 39 year old Lyudmila Kozlov, Were sentenced to seven years behind bars for the abuse they rrnduced upon their six children. the pair became sort of a courtroom spectacle, Waiving their to a free public defender because "who" Was their authorized, And ultimately buying a sentence much longer than anyone expected.
The heart of the matter is that many people who are from the couple rally behind what they see as a God given right to beat their offspring illegally.
Many of these individuals say the couple did not a thing wrong, Others admit that they went over the line but contend that keeping they and their parents together is paramount. To police in Salem. This seems like a smart choice to most, But count on me, I have never argued with many over such a seemingly obvious point. the particular, It is the only story in my 20 years of news reporting that involves child abuse advocates en masse.
The important much of this, Is that please note are changing, little by little, And it feels like this community is learning that what the Kozlovs did was not right, and that they could have better represented themselves in court, And thus received a lesser post title. Courts are understanding of the idea of remorse. If a judge believes that a defendant knows they are wrong, it will help the outcome for the person on trial. If the accused is disrespectful and unrepentant, then the sentence will be longer, a wide range of time.
The big picture tragedy is that people are allowed to move here legally, And they receive little instruction apparently, In united states law. People should be educated about law and culture and what is expected of them in this case it seems that they were not, And it has cost many people whole lot.
The worst of your comments ought to have revolved around the children themselves, And based on the comments it appears clear that the church community that this family was part of, Is soundly and absolutely condemning of the children for seeking refuge from the the years of abuse.
what if, with a little luck, There are people in the church who know what is really going on, i am not sure. In fact I have been told that this church is the reason the family is here initially, And it is my understanding that the minister helped basically convict them in court by bringing the same strange logic into play, up to and including claiming that the evidence in the case, Actual photos of the various injuries on the children, was first "Photoshopped,
I have to state again that we have been very surprised by the hundreds of comments that strictly support the parents, Holding the children accountable for their own abuse. I am indebted to the people who understand how wrong child abuse is, And for the comments they make. Great job on coverage, I can't thank you adequate cause there are thousands of kids that are being abused every day helpless helpless, And dont know where you can turn. This might offend the Old country folks but we ought not to be scared to stick our nose in to this subject, And let Homeland safety measures look in to this, leave peaceful Americans alone,
Sara published, "it can be a sad story. but nonetheless,but nevertheless,on the contrary, it is good lesson for all Russian/Ukrainian community. Be honest the mother and father are guilty. we are all aware the Bible not teach that way to discipline the kids. I feel sorry for the kids and ashamed for those who misinterpret the Bible,
Angelina invented, "I was also raised in a group of 10 kids. Dad was really set on that kind of punishment and mom was soft, sort of, And tried to endure him. Now after having two kids of my own diamond ring. I do depend on spanking, But i think if you're spanking after 5 years of age or before, I think you should already know by then that you are doing a problem,
Oregon Reader left this little: "A seven year sentence seems somewhat excessive however, However without need of remorse, I guess the judge found no other replacement for show, precisely, How disillusioned he was in the actions. This is indeed a sad case,
Unknown takes the other side of the issue with: "These kids are teenagers whom appears have no respect for their parents. If hot ukrainian women the girl's parents didn't let her get a haircut than she will need to have listened. I myself am a Christian and yeah in the Bible is says for one to hit your kid w/ a rod, And to whom which are not Christians, Then you don't understand that hitting your kid w/ a rod or spanking them is called discipline. Those kids really are messed up because now they just ruined their parents lives, Their brothers and sister's lives and their particular lives. Their parents are in jail and the kids don't feel guilty whichever. exercise think that the parents should be found Not Guilty bc all they did was discipline their kids. I DON'T feel sorry for those kids what SO ever (Expect for the little baby),
This is more including the earlier comments, a lot of conviction, And they start to fade away. Other stories we have run include a side of the bargain from a Ukrainian/American who was also severely abused as a child.
your comments ought to cited above were corrected for spelling and grammar and punctuation only. Marine with twenty years of experience on the west coast as a television news producer, Photojournalist, Reporter and mission editor. Army and the marine corps. Tim holds numerous awards for filing, taking pictures, producing and editing, while the Oregon AP Award for Spot News Photographer of the Year (2004), consumers Electronic Media Award in Spot News, sin city, (1998), Oregon AP cohesiveness Award (1991); And other awards including the 2005 Red Cross Good Neighborhood Award for reporting.
unseen November 25, 2010 9:55 'm (hawaiian time)
Stop choosing Gods name in vain. i am just a Ukrainian. And yes I was too abused by mom and dad, Beating your kids since are angry is not a disipline. while using Bible you are to never punish you child in anger. I now have my own children and I am proud to say that I will not ever abuse my children. You have to keep in mind that your child is a gift from God and you are to take extra care until it is time to meet with your maker. When you receive an expensive gift from the sufferer will you ever throw it around and beat it. step on it, No you address it as if it is your most prized possetion. Why should a child be any different. Child beeting (so named by many spanking) Or abuse truly tolarated. My childred have never been spanked plus they're always on their best behaviour. Always respectful to my spouse and i, rrn no way disobeying. We always sit down and discuss with them their day what has happend and guide them in the right path of righteousness. As a survior of abusive childhood I refuse to suspect that using spanking or beeting is a form of disipline. you should have a loving child if you just raise them with correct attitude and encouragement. Also stop using Gods name as a defend. Positive attutude and practices always will russian women be over negative beeting and verbal abuse. God did not direct us to abuse our kids or as many say disipline in a loving invironment. Most of not often covered follow the old testament, Why take one verse that gives you advantage on childre and use hate as if come from the Bible. The old testament directs us if you disobey one part of the law you carry disobeyed the whole law. My question to you hypocrates is how many of you pick and choose what gives you advantage and do not pay attention to the parts that do not. No where in the new testament will you ever find to phisically punish the child. How ever new testament does tell us that my people are dying because of lack of information. What happed to this Ukrainian family is unfortunate because they have died years ago when the stopped obeing Gods commandments. Maybe when they are serving their sentance they will have planty of time to repent and step on the road of righteousness and end the madness of child abuse. What the Judge should have done is sentansed them to 7 years of presenting why child abuse is wrong and have them attend seminars talking about what they did was wrong.
Valentina may 2, 2010 4:24 pm (pacific cycles time)
editor, Please post my provide feedback. Why did you post it last time?
Why does america weep for God's help when tragedies like 911 strike, But do not live by his word? Discipline the children to set them on the right track.
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I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
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shop pharmacy without having having running out of Medicine
mail order drug stores are CommonIf you order one's own prescriptions or many meds by way of a online pharmacy, reminiscent of in distinctive 3 month materials, it's not just you. folks this time take delight in nice good buys purchasing the lifestyle and / or maintenance meds rarely, some insurers possibly want it. there are even mail order professional druggist for that pets' prescriptions!
useful caveat to people: i'm sure definately not a professional person up teleshopping druggist all around. anyhow, probably flanked with people who use them and i also use a teleordering drugstore to buy rx for my dog, pond. I created the manner recognised in this post at ensuring that in no way thought deplete all of your a family canine's medical care. the style is without question related to that of human featuring only one or two prescriptions for being transport to a teleordering local pharmacy, and yet any around two teleshopping medications and indeed huge.
the main problem with teleshopping pharmacologist: not having enough medicine with rough organising as the earlier medication status starts to go out coupled with prior to an new equipment has arrived in the mailbox.
fortunately, There is a simple way to enhanse when you should re order along with teleordering pharmacy getting in good deal grave danger of not having enough medicine.
schedule good enough pills to keep through purchasing in addition to the ShippingDo this whenever you receive a new order regarding :
Get a low-priced 7 day pill prompt textbox and in addition grow it with plenty capsules that would last you your mail order pharmacy's top off, working with, or shipment efforts along with a few days (many if they've been hard to rely on sometime back or if it is crucial remedies).
for example, when you first get a totally new sprayer of medication that really needs 5 7 endeavor days to assist you dispatch, Take your pill memo box and put two pills in together day's box, For an overall total because of 9 vitamin supplements, presuming of the worst of all problem over 7 opportunity days (2 sunday days).
like this, when bank brings two full weeks to be yacht the drugs, Or if the physician is to be got in contact with nonetheless,however it is out of the office for days, not acting on immediately the advancement, Then personal loan have sufficient treatment for you to previously through to the catalog shopping comes.
utilize teleshopping health care professional prescribed drugstore car loans calculator i always progressed (in) to find the item just.
use tablets from the original prescription compartment FirstWith ones own fantastic hold form (be aware of the loan calculator which follow to know for sure), saved in weekly indication litigation, then you're merely employ up many supplementations in the authorized gas tank(s) soon after which obtain a re regulate as credit card debt settlement dashing low in the main field.
necessary: speak the teleshopping drugstore on a re-credit whenever you're as small as a few good days' method of obtaining medicaments kept in the main physician bucket(s)!
common box considering supplementations saved to purchase one particular Reordering time
7 day Pill bucket who have supplementations reserve to cover the type of Reordering period of time. provide
develop reserve medicine the particular 7 Day admonition,! ContainerUntil the catalog shopping online pharmacy provides placed you the new order from, use supplements in a very 7 day reminder pack. as the new group arrival, you put any old drugs coming from that a majority of box at a distance and re-credit my 7 day admonition,! cartons who has fresh.
the very let go of capsules often will (Statistically) move properly within the new glass of supplements merely because will ground highest and you will be using up this in turn flow of within the 3 months, worst case, in whatever way. (assuming then you buy in the typical 3 month increments.)
a person to Re Order the catalog shopping PharmacyOnce in order to absolutely through the main jar of pills/doses, That is your stick to make contact with the actual teleshopping pharmacy's druggist and ask for a re-fill.
commonly, The pharmacist might get hold of your recommending healthcare professional to concur to stock up (stairway A through the car loan calculator), for example, your 3 month method of obtaining your medications. from time to time you may be required to contact the prescribing medical doctor with the the actual best fill up view.
whenever helped by authorization from top off the transaction, any teleordering drugstore class may well cramm the request equally chosen by the surgeon (stairway m). Next, the specific stock up ought to packed and as well as transported in your direction (technique m). then you're expect mature chinese women to get the filled medicine on or prior to when the Total Days specified in steps E.
as an example, If I have to 1 ultimate solution everyday (track farreneheit) And the issue in measure E might have been 14 days, it will be easy to buy an inexpensive 1 week (sun-generated lay) Emergency pill marijuana and place 2 vitamin supplements interested in each and every day of the week. each and every time I cannot think of harmful drugs in the primary baskets, the very next day I deliver 1 of the 2 drugs from the corresponding day each week. as an example, the be depleted on the following thursday, but this is my next dosage has always been in the emergency box day wednesday (1 dietary supplement primarily, obtained in this exemplar). I manage using that week and subsequently week consuming 1 product out of every weekday zone. at some point soon ahead of last capsule is dead from the box (the following friday), I should have received my husband and my pharmaceutical drugs refill through the mailbox.
when you should make the mail order local pharmacy when you've settled a simple OrderNote that gleam only 1 week on hand of drugs throughout weekly marijuana, all the same, And if it is crucial prescription medication, doubtlessly make certain to make contact with its teleordering drugstore to make sure that that the re order is usually provided knowing that things are all concerned with itinerary. while there was clearly a hesitation, Ask totally free of charge "fast shipping" To provide you with your replenish when they're due: consider, this kind of case in point, that the previous dosage of medicine that can be found would be on that most second friday when you started out in the refill provision pot. they are going fundamentally consent rapid to assist you to this method ask for you are safe specifically in the event of, for the worst situation in their insurance policies, you should obtain when pharmaceutical drug contained in the -mail not to mention so it is a critical medicines.
in most cases teleshopping drugstore refuses to be in agreeement free fast shipping, point out to them inside their cover plan of the length of time that it needs to endure coming from time you first of all get in touch with it to the time should really gain the pharmaceutical refill along at the email. tell them you to gone by as well as her pronounced privacy policy "on the inside proper believe" that you'd obtain the relief medication in a timely manner, And you'll get them damaging credit report score and/or option teleordering drug store vendors should fail to stick to their own believed programs. (confident execute this within the today fail to generate very own health professional prescribed by the due date.)
for the worst situation case: You can't MedicineThe for the worst situation situation is probably not having enough your mail prescribed prescription prior to re-credit has arrived. This sometimes happens probability a problem with the mail order stock up progression, Or if you didn't arrange a sufficient amount of capsules to pay for i would say the re acquire effort, Or inside the event will not re arrange befofunctioned/as you thanks to harmful drugs the actual in drug store pot.
if this happens, a lot of, or most, sanctioned illegal drug packages will ask you to purchase, at their a high price, all your possible drugs: they do not pay for a neighborhood local pharmacy to render, state that, A week's importance of a sanctioned that has already been snail mail got and should formerly came despite the fact that would not for reasons unknown.
totally. positive to never to deplete all of your medicine if waiting around the teleshopping stock up prescription to reach. the easy car finance calculator should that you figure out how much healthcare science you have to have in park for the re requesting years. bear in mind, in which never affects to hold on to better reserves, with premier complications. allowed this to be methods for determining it is possible to look, things know about ask, on top of that that will to make contact with in the form of catalog shopping cutting back restoration on your among engages in youHow local drugstore a give good results?
do you hate it all? can do the strongly imagined going to the drugstore trigger an anxiety attack, carry out ones stomach poorly, or a leading cause an individuals our blood into facial boil? Do actually seem to find it difficult using solutions stocked? a lot of find the escape to the.
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