Mero  credit card ma  $25000 jati  loan cha. Maile monthly bill tirna nasaker bill pay garnan nai chodi sake.

Aba malai k garchan ta credit card bank haru le, yadi maile paisa natire vane. Kin vane ma paisa tirna sakne sthiti ma chaina? Need suggestion.

yestai ho bro. Mero ni tei halat cha tara mero around 10k hola. maile pani tirna chodeko 6 mnths jati bhayo. phone call ta ainai rahancha tara ma phone nai uthaudina......just ignore it . aba paisa bhayo bhane tirne ho chadai chaina bhane kahan bata tirne. ma tetikai basitrachu aba heraun k hundo recha.

bro barbad bhayechha yrr...take it easy  you can pay that shitt one day i am sure....

 Bro,Police samaucha vanchan ni, k ho ? Malai ta dara lagi ra cha.

 

 Bro,Police samaucha vanchan ni, k ho ? Malai ta dara lagi ra cha.

 

 Bro,Police samaucha vanchan ni, k ho ? Malai ta dara lagi ra cha.

 

I did that six years ago. There has to be some student attorney in your school.
1)Contact him.
2) In MN as long as your don't have your wages 40 times the federal minimal wage. They cant do shit. Thats 5.something*40
3) If you have a court appointment:
someone from the sheriff office will come to your address to give you the court summon. So, make sure that you are not searchable. Change your address frequently. Don't apply for any cards or loans. This will get your current address with credit bureaus   and they can track you easy.
   If your schools search engine shows a current students name and address--make sure that you opt out. In short stay low.
Even if they track you. And a sheriff gives you a letter (court summon) you don't have to go. The judge is going to give the verdict in their favor, which just proves that you have loan. They cannot arrest you.
4) Again in MN, they can garnish your car. So don't buy a car more then $3,500. They cannot take anything lower then that. Check with your local school attorney for free.
5) They can garnish your bank account with a court's approval. Make sure you have multipe bank accounts with savings account. Its harder to touch savings account which is protected much more then checking.
5) Everything above would hold true for Collection Agencies and for state of Minnesota. Credit card companies have a little more power (which they never use under normal circumstances and sell the account to the collection agencies) . Again check with your school's free lawyer.

And yeah,
Be bold and if those guys call you, pretend 'no English' and hang up.

Best of Luck.

Again, the worst can happen only of the sheriff hands you the letter. Just make sure they you are untraceable.

Thanks bro. God bless you.

Thanks bro. God bless you.

Thanks bro. God bless you.

always help nepal help nepali

it is not good idea to stop making payment.you never know

when you will make more money.may be after couple years

you will start making good money. at that time you will

want to get a new car or house or etc. you will remember

what you did at that time and it will be very hard to

fix it. we people have unlimited desire and you never know

when this will be activated again.my suggestion is that search

Credit Card Debt Solutions on internet and call them.

they will help you.you will be paying your debt almost without

interest. if you do this you will pay everything within 4yrs and

you are safe. your score will not go down and after four

years you are in good shape.

My question is: What were doing to get $25,000 in debt to credit cards?

Once you have the credit card everybody is busy paying others bills and satisfying your own desires. Credit card is a slow poison it eats you at a snail's pace, till one fine day you realize that you are ensnared with this f-cking venom.  I know it’s tough to pay such high payments, especially when you are a student.  Generally law cannot do anything against you; only thing that sucks is that your credit is f-cked up. In future you are gonna face the consequences of bad credit like I am facing now.  If you want to buy a new car or if you want to get a mortgage or even when you apply for a various jobs- credit is so fcking important.  But keep your head up, work hard to get a good job. Once you land a high paying job, you can always clear your past records and create a new foundation.  

The lesson for everybody that has a credit card is to be responsible and spend your credit as according to the salary you make. If you are a student, make sure you think about your future before you get rapt by loans. It’s always wise to be smart now than realize later that –“If only I didn’t have a credit card I didn’t have to pay my loans.”

if u can call the credit card company...show them some specific reason like sickness or disability to pay it right now...ask them to hold the payment...if u do like that they will hold the payment because they also want their money back and they dont want to take it as bad debt.....so do it slowly...its gonna take a while but u will do it....

Your credit history is important during Job search after graduation friends. They will check your credit history before offering a job no matter how brilliant you are.  i.e your credit history should be clean. does not matter if it is just average. But should not show any in RED marks.

Two of my friends have like 15K balance each to be paid. They found a good job after graduation . But Dont f0ck your history as you need it in future.

Does anybody know how long those companies come after you? A friend of mine has stopped making payments for nearly 3 yrs. now but he never filed bankruptcy, just change his job, address and phone no. etc. Can they still take him to court and garnish his wages. Anybody with such experience or knowledge???

These collection company will always come after you even after 10 or 20years. You just have to pretend that it is not you. Again once the negative deliquency is gone after 7 years then it does not matter even if they call you. JUST HANG UP. Dont say you will pay up, then it will go in your credit for about  more years. Now regarding the court coming after you, it depends on what state are you and what is the statute of limitation at that particular state.

If the statute of limitation is over, the company can't take you to court, they will only try to threaten you but they can't do S/H/I/T

Thanks Amit24 for sharing your knowledge.