 I am a student i want to earn money from internet by doing any online jobs so please help me? |
| I am a student i want to earn money from internet by doing any online jobs so please help ... |
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 Whats the best way to make money online??? |
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I have 1000 dollars left bi-weekly after expenses. Should I invest it in mutual funds? I am planning to buy a house by the end of the year, so I'll need it for down payment?
Additional D... |
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 $100 million or one wish? |
I was browsing blogs this afternoon, and I came to see this question.
Which would you choose between the two?
P.S.
With the wish, you can't wish for riches...and ... |
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do you think?
Additional Details
This would be before housing costs, with mortgage payments of £400 per month.... |
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$140,000 cash inside a house. Why?
http://news.yahoo.com/s/
Why wouldn't Mr. Tyson put so much cash in bank?... |
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Honey, i'm home!! | Is it true that your debts get wiped? |
I heard if you have debts but the people you owe can't find you they will be wiped after so many years. Is this true? or is it only wishfull thinking?
Additional Details
Well its been over six years now and fingers really crossed i havent heard from them yet, but my credit rating is really bad. I would like to pay it off but i cant even remember who i owe and how much? |
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Jessica
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They will find you...
When I was living at home/going to college, I had a credit card that my mom was paying for me, I only used it for gas and in case of emergency. Well there was like a $150 balance. Well I never saw a bill, she said she took care of it all. Well I moved out of that house, moved somewhere else, got married, changed my name, and moved again..And they still found me 5 years later with a $2000 bill... Imagine my suprise |
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Ahwell
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Wishful thinking. The debt collectors will find you eventually! |
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rollo_tomassi423
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It depends on how long the statute of limitations is for each claim that the debt is based on, and also whether or not they have obtained a judgment for the debt. But the answer is yes, if you owe somebody money and they haven't bothered to sue on it for a number of years, you would be able to defend any lawsuit by asserting that the claim is barred by the statute of limitations. That doesn't mean the debt is wiped out. It just means you might have a defense. |
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Rex
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Why would you wish to steal from others?
Those people you owe money to have families and debts of their own. You should do the right thing and pay your debts. |
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Marriedtothearmy 2
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Wishful thinking |
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steven_prentice_666
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Wishfull thinking mostly.
It depends on who you ave borrowed from.
Look at your friends, family and collegues for an example, borrow £10 from your dad and after a week he might 'forget' you owe him. £10 from your brother and he might 'forget' after a year (well, my brothers do eventually forget), and from a collegue at work - they might ask you every day for the money back for as long as they can. Its the same with organisations that lend you money. Banks MIGHT write off the debt and cancel it after say 10 year, however a student loan wont get cancelled untill you are 65.
It depends on the organisation and I wouldnt suggest that running away will help you out - they can find you as soon as you apply for debt, or bank accounts or credit cards in a new area and then it will be worse because they will add interest to what you owe, and possibly debt collectors fees, and of course will damage you credit (debt) rating. |
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jdnsmama13
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Wishful thinking, unfortunately, because whomever you owe, will turn the debt over to the credit bureau and your credit will suck no matter where you go. There may be a seven year thing, where after seven years it goes off your credit score, I am not really sure about that, but seven years is a long, long time not to have credit. |
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FaZizzle
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False.
It doesn't matter if people can't find you. You still owe that money. They WILL find you and hunt you down. They will garnish your wages and make your life miserable. |
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Paul C
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6 years in the UK |
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Leigh P
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Each state has a statue of limitations, and a debt can no longer legally be collected after that time. That doesn't mean debt collectors can't still bug you, but they cannot sue you, garnish wages etc. If debt collectors do contact you, you can tell them the statue of limitations has passed, but you must do it in writing, and chances are they will just resell the debt to another collector-something which is legal. The only time they truly "disappear" is when they are either paid off, or fall off your credit report after 7 years. One word of caution to you-you mentioned you wanted to start paying these debts, which you can probably find by pulling your credit report, but ANY contact you make to a creditor is going to start the clock ticking again-in other words, if you are two weeks ago from the statue of limitations running out, and you make a payment or payment arrangement, you are on the hook all over again for another 6 years, or whatever your state statue is. For great advice about this, I highly recommend looking up Liz Pullium, she writes a column about just this type of stuff. |
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mceigler
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It is wishful thinking. But I would not count on it. Your best bet may to pull your own credit report and see who the credit report says you owe money to. |
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Diablo
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I think thats wishful thinking.. no one would pay anything if that was the case.. however I got my debt wiped after completing a Trust Deed. |
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china doll
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Its not true, one of my work colleagues have been asked to pay their council tax bill from 8 years ago. She has moved house 3 times since that bill and can't work out how she was found. |
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STEVEN F
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Many answers are mixing laws they don't fully understand. In the US, the Federal Fair Credit Reporting Act, requires accounts be removed from your credit report 7 years after the initial default. This has NOTHING to do with owing the debt or the creditors ability to collect. Each state has a Statute of Limitations that limits the time in which the creditor can SUE to collect debts. If they make a legitimate effort to contact you and fail, the court may issue a 'default judgment'. That basically means the court rules you lose the case because you can't be found. Once a judgment is secured, the statute of limitations no longer applies. Judgments may or may not expire after a set time, but are often renewable. Even if the Statute of Limitations bars a creditor from using the courts to collect, your debt still exists and they can ALWAYS ask you to pay. If you ever wish to do business with the company, or any company they own in the future, they can require you to pay before doing business with them. |
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?
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Wishful thinking pet. If you are in the UK there is NO statute of limitations, and, with how the computers are connected these days , they will track you down and you will have to cough up what you owe, plus any interest it has accrued, plus, any costs if they have taken you to court! Nasty I know but it does happen. |
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gimbert
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I'm hoping! nearly at the 5 yrs mark & it was a hell of a lot of cash! It would be really easy for them to find me if they tried - same bank account it was paid into, NI number etc etc, but i forgot to change my address for ages & they will fine me for that & i have NO money so i'm just keeping shtum! I hope for our sake it is true! |
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tringyokel
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Well, there is a statute of limitations in the UK and debts can become uncollectable.
The usual period is six years but this is extended for some debts. Twelve years in the case of mortgage debt.
The problem is that during the six year period the debtor has to have made no request for repayment. If you have moved and not told them then you may be deemed to have deliberately avoided them and the six years will start again when they find you.
If you kept them informed of your whereabouts and they did nothing about collecting the debt then it is their hard luck. |
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missieme197821
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If you find out it is please let me know; but I very much doubt it. Wishful thinking, for you & me both !! :-)
I'd love to hear I was wrong thou??? |
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Michael A
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I think they are written off. Know some people who ran up some credit cards and disappeared. After awhile companies just quit looking for them. But I wasn't one of these people. Long as I have money I do my best to pay. I do understand how you can get in over your head though. Once you get one card it seems like everyone wants to give you credit on something. |
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proud walker
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It's the Statute of limitations. I think it is 7 years without certain actions taking place.
Just seen that this has already been on YA looks like a good answer on http://uk.answers.yahoo.com/question/index?qid=20070115093842AA0QUXU |
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alvaro
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Your debts will never be wiped. You may get away with not paying them, but your unpaid debts will haunt your brain for the rest of your life until you pay them. Dishonesty will cause you to lose your self-respect. If I were you, I would pay every thing I owe. I'd hate to look at myself in the mirror otherwise. |
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