A little about me, when I was 18 I made some really dumb decesions with credit cards, as I'm sure alot of us has done. I've somehow managed to take out differnt consolidation loans, gotten new credit cards with a smaller intrest rate, and I've done my very very best to not let my credit fall. I have/had a very good credit rating about 6 months ago. Due to various circumstances, for the first time, I am several months behind on one of the credit cards. I just plain havent been able to afford to make the minumums. So now, my minumium payment on the one is around 1200 dollars, just to get out of the negatives. Every months the fees and charges tack up, and for the life of me I can't see how I can get it down. With all the living expences, debt, and everything else, I afford about a hundred bucks every two weeks to live off of. It is getting amazingly hard, and whats worse, I have a baby on the way. Now I'm terrified, if I don't do something, there is no way I will be able to afford to give the baby any kind of life. Obviosuly, the baby would come first before anything, and in a year or so my only option will be bankrupsty. I've done all the math I can figure, and that will be my only option, and thats not a very good one either.
I have been reading alot online from differnt companies about debt settlement. I've also done the negative research, and found some scams on a few of the companies.
I'm just curious, does this even work? From what I gather, they want you to stop making the monthly payments to throw into a sort of savings account, then dump all of the money into it at once, and bam, no debt. Even though I should be, I'm not to worried about my credit rating.. Hell, anything is better than bankrupsty.
Please, if anyone knows anything about debt settlement, if it works, doesnt, whatever, please help me out. Id love to talk to a real person instead of what the companies have to say, because obviosuly, when dealing with the company, there program is the only one that works.
Please, help me out if you can. Thanks.
Debt Settlement
Hi,
I really sympathize with you :| . We are humans and committing mistakes is not a crime. This is a difficult situation for you with the added responsibility of a baby, but you have to be tough. Debt settlement is definitely a way to solve your problem but many companies do have scams and fraudulence. It is necessary that you get honest assistance.
Hope this will be of some help:
http://www.ftc.gov/bcp/conline/pubs/credit/kneedeep.shtm
I also know a forum which can actually help you out as it has helped many in distress. You can visit http://www.debtconsolidationcare.com/. The members there have gone through similar problems and you will also find a wide source of knowledge.
Keep in touch. :)
I'm just curious, does this even work? From what I gather, they want you to stop making the monthly payments to throw into a sort of savings account, then dump all of the money into it at once, and bam, no debt. Even though I should be, I'm not to worried about my credit rating.. Hell, anything is better than bankrupsty.
That's the general premise. You can be sued for the debt, though...and the settlement company is not likely to represent/defend you in the courtroom.
Yes settlement does work if you use the correct company, while many out there are scams there are also very many good ones. I used the xxxxxxxxxxxx and they did an great job for me. I was however like you were surely scared to death of my situation getting worse than what it was but I am glad I did it and now its over and i am debt free. You can check that company out at xxxxxxxxxxx or if you just want to call them the number is xxxxxxxxxxxx.
TOS...
settlement company
USCA/Roll Law Firm?.............Where are they located? Do they take 'clients' , who aren't in their state? Just looking for some legit ones, myself.
settlement company
you can check out USCA/Roll Law Firm at uscaonline dot com. I just signed up with them, so I guess we'll see how good they are.
debt
ya know...I have looked into alot of Consolidation/settlement companies. However.....in MY sitation, I think it is best to settle on my own. Don't get me wrong, ........situations are all different with different people. I've already settled a few 'small' things. Now...working on a 'bigger' debt.
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Xirenahdv 4 points written 25 days ago
30f and honest reviews here. I can appreciate that you are attempting to break the ice, But I understand the other women here when they say that the opener you are using is awkward.
Online dating is a very russian dating personal experience. Trying to get that out of someone right away is like trying to pry open a vault. You going too deep and too fast and that can make a woman shy and not want to continue a conversation with you.
bookmarks between, You say that if you don get a date within 24 hours undoubtedly quit. what hurry (Serious question if you want to ask yourself)? You need to make the woman you are talking to feel safe around you and want to go out with you. you're really acting like EVERYONE knows you this nice guy that they should get to know, But the truth is that your lover (The woman doesn see it which). They see another stranger that is trying to mostly court them.
Here are my suggestions to make this a better experience for your self:
Find an opener may well light and fun. It doesn need to be long. It just needs to be one that they would wish to respond to. Ask them about the location of one of their pictures. Ask them why they dyed their head of hair purple. And keep in conversation is an art that takes practice.
gave it time. People will not perceive you the way you perceive yourself. Just because you know you a person that won hurt or cheat on someone else, Doesn mean that the woman you trying to go to knows that. you'll have to show her that you that person that you believe you are. Believe me when I say that taking your time really does pay off normally.
Reset your expected values. Are you pregnant this to be easy? Are you with child instant results? Are you expecting others to know who you are right away and want to be with you? And what is it that you want out of this?
I do write a website on dating. Link is down the page. It actually hard for women too. It operate. So are a ton of other things in life. If you expecting instant results then you will be disappointed. So why are you not pursuing them and why are you attached to the idea that this excellent one is not answering you back? It seems that you care more about this one and you should be looking inside yourself and asking yourself why.
to respond your question, No one can tell you if you costing you time pursuing this attractive guy. You can only determine for yourself what your time is worth and if you are it worth it to keep texting him, Then apply it. I would like to mention that also having friends tell you that you two can be a couple says that you may be selling yourself short on what criminal record search attract and the kinds of men that you can meet.
One of the methods that I stopped myself from getting too attached to someone before I meet them in person is by dating other guys. And dating larger number of guys at once. If i figured too hard on my openers, I could see it coming across as weird or awkward.
When I started saying like "hello there, how are you, I would get side effects, But not the talks that I hoped for.
Then I started saying something for instance "gday (address). I hope your day is running smoothly. (Insert hesitation based on ONE item in their bio or photos" And I got a lot more replies and actual conversations.
Now recommendations my theory. the people on bumble weren judging me on how witty my openers were. I was a regular human being need another human being to talk to and see how things go from there. By bringing up something in their profile, It showed them that I read it. By not thinking too hard and just seeing how we were holding, You were showing that you desired to connect to them. By indicating one thing, You also show them that you're genuine. indeed is all there is to it.
you currently have the upper hand by having to initiate the conversation. But if you believe too hard on it, It doesn get you just about anyplace.
Ask yourself this acquire supplies you wonder why you not getting replies: Am I looking for EVERYONE to like me or am I looking for the best PEOPLE to like me.
within mind that it a numbers game, And the amount of people that you will end up meeting is a very small number in comparison to the number of messages that you send out. I actually tallied my numbers and wrote a post about it. Now I have gone from dating multiple people to dating just a person (As of yesteryear).
Xirenahdv 5 points given 1 month ago
I a 30 year old female who worked on my career through my 20s and now I personally ready to start doing stuff I want to do. That does include heading for some places but I don have the desire to go everywhere.
I don think it has an intention to make others feel inadequate. I think that it more so because travel is a good icebreaker for gossip and that is why everyone, most people, Include something of it on profile. on the flip side, I am willing to put money on the fact that very few of them are as interested in it as you may make yourself believe. as an example, I wrote on my Bumble user profile that "I just got back from Chile, Some may believe from reading that statement that I a crazy traveller when literally, I only been to that one country internationally at this point in my life. It perfectly fine you ought to travel or not travel.
The best thing you're able to do for yourself now is putting up something that people will talk about. If you want to do something locally, Maybe write something on your information like "Looking for to try some new local bars in town and would love some company, It sounds positive and inviting but also, Not self depricating.
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