my mate has debt letters coming in from compoanies wanting about £100+ or some only £45, but he is mega skint, it states in the letter something about bankrupacy, just wanted to know how he goes about it and what it means.
135522
In the U.S. simply go to the yellow pages and find a Bankruptcy attorney. ...very simple, actually.\n\nThe laws have just changed, however, in the US to make sure that those that file truly does not have the ability to pay.
495941
Both my sister and I have had the same letter. We are at college studying an nvq level 2. I called the number and told them we are students but that doesn't matter! They said we should have still been paying, and when i asked how, they didn't know.\n  The only way to get around it is signing on (jobseekers), but you can only do this if you do less than 16 hours a week.\n   My sister was working part time aswell as going to college and she still got the same letter. Because of the hours she worked, she didn't have to pay tax or national insurance yet they still tell her she owes nearly £300!
6194
Is this person wanting you to claim next of kin so you can share a bank account with millions of dollars?  This is a very well known scam.  Please read this http://www.snopes.com/crime/fraud/nigeria.asp and see if it seems familiar.\n\nThe person just wants you to say ok, that you'll claim to be kin and agree to give the person a small share of the huge bank account.  This will go on for some weeks with progress reports.  Then he'll need something like $20 just to pay bank fees (and what's $20 if you have millions coming?)  Then he'll need $100 to bribe an official.  Then more and more money.  It's 100% scam.  There is NO chance that there is a bank account in some foreign country will millions of dollars that you can claim.  Really.  Please take care of yourself.
551315
The Inland Revenue did this to me too when i reapplied for my tax credits in April of this year. They said i had earned £2,500 more than i had declared, and through this i owed them the money and they have stopped my credits until April of next year. I too am a single parent, they tell us to go back to work and we will benefit but we dont at all. What we earn we end up paying back out. I used to get help with my rent when i first went back to work too,  now that has stopped and im to pay out the full amount of rent which is £98.00pwk. Personally i would be better off on the social, although i dont want to be part of the people that take money off the state to live on and receive handouts. I  wanted to do right by my family and earn my way through life. Good luck hun hope all goes well for you but its a crap system dont you think. xx
507400
Contacting eBay would do no good.  If the bill has been handed over to a debt collector, the account now belongs to the debt collector, not eBay.\n\nYou will need to deal directly with the bill collector at this point.\n\nI'm not sure how the bill went from £6 to £171 - that seems a little extravagant.\n\nWhatever you ultimately settle with the bill collector for payment, I would suggest having you son pay it entirely.  It will be a good lesson to him, and I'm sure he will be much more careful in his future financial dealings.  This could be the best thing that happens to him!  (Better a £171 mistake at 16, than a £10,000 mistake at 25!)\n\nGood luck!\n\n~ ♥ ~
558797
What kind of backward thinking is that? You still need to pay every single penny you owe!!! Unless your creditor takes pity on you and says never mind the debt.\nIt's kinda harsh but almost all of life from birth on is harsh...that's life, as they say!
273572
WTF???...This does'nt make sence...did you mean to say that you "Owe" a large amount? Even if you did, that's still not a question...What does not haveing kids have to do with it...You might want to reword what you were trying to say.
38710
Show her that you can be trusted by offering support and guidance, if she is able to co-sign I guess she cant be all that bad with money as she must have a decent credit rating.  Perhaps its more she has a carers instinct and wants to look after people.  Obviously she needs legal help to get out of the notes and perhaps some professional emotional help too.  Just remember to look after your own heart in all this, something we too often neglect.
503977
check this out I have £20.000 of debt then an £90.000 mortgage, a flat that is worth £115.000 if sold, no job and a car with half a tank of petrol and a boot full of tools oh and £0.25 cash, and to top the lot I used rapid restart on the jobseekers allowance after having two weeks work and have to wait 3 weeks to sign on then a further week for the money, hardley surviving on bits of cash paid work. Thanks a bunch Ben French. Would you be annoyed watching 12 years hard graft go down the swanny. 30 years old 35 years before retirement and the whole flat measures 17'x17' this diabolical and I earn good money when I can = £28000 to 35000 a year, so much for electricians.
60848
Wow!  Masterful sarcasm, Asker!  The thing about those bill collectors is that many of them are people doing it to pay off their own bills.  What a twist.  I, personally, have a home phone number that once belonged to a real deadbeat, a fact I didn't find out until I had already given it to everyone.  Now I get dunned continuously and the debts aren't even my own! Really irritating.
346637
Yeah that's not a problem - they will convert it to GBP. Think you might have to sign it or write your town/city on it somewhere. \n\nWe just banked a cheque for 2500USD & got charged £10.50 from the bank so you'll get charged about that amount I would imagine.
622795
Sounds like a situation I am going through.  They're ruthless scavangers who intimidate people by calling their debt collecting business a big shot law firm.  I wouldn't give them a dime until you are fairly represented.  Definately talk to a lawyer and have him or her defend you in court.
466561
Citizens' Advice Bureau give exactly that - 'advice'; it's free and an excellent, up to date, accurate advice service.  On top of that they actually write the necessary letters and deal with creditors.\n\nTell your friend to get an appointment.
578730
From what I've been told those programs do nothing that you can't do yourself by contacting your creditors & working out a deal yourself. Also, it's about the same as filing bankraptcy or worse on your credit score. And they charge you so you have MORE debt!
539457
Hi Adeline.\n\nI assume you are in the UK.\n\nFirst of all don't panic.\n\nI think at this stage you need to ask them to produce the evidence.\n\nThey cannot simply write to you and demand money with threats to take you to court, it is unlawful for them to do so.\n\nWrite to them and ask for full details of the alleged transaction, state that you are giving them 14 days to reply. Should they fail to provide full details which includes the date(s) of the transactions, the finance agreement with your signature on it or other documents allegedly signed by you.\n\nIf they do not provide this evidence then make it clear you will treat their conduct as demanding money with menaces and will be reported to the police.\n\nOne of two things will normally happen, they will provide the evidence or leave you alone.\n\nIf you are a victim of identity theft then report it to the police.\n\nYou are also covered by the Protection from Harrassment Act.\n\nIf bailiffs do turn up tell them to get a warrant of entry, They cannot force their way into your home and you do not have to admit them if you don't want to unless they have one. A police officer should also be present, if not ask for one to be present.\n\nIn any event you should seek independent legal advice as soon as possible.\n\nGood luck
118402
Seems a bit of a daft situation and one theat needs to be looked at.\n\nBusinesses can refuse legal tender just as they can refuse to sell you anything at all. There is no obligation on a business to sell goods or provide a service (other than certain statutory ones).
479693
No, you aren't the only one that finds this confusing.  It seems like the more I read--the more they contradict eachother.  I think it is just a hit or miss---sometimes the advice you get works, sometimes it doesn't.  What worries me is that some of the people that have used the advice received have had negative effects on their credit---its really confusing.