2013년 11월 29일 금요일

오전 2:14

By Gil Jesus



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About 'bank debt recovery'|The Role of the Debt Recovery Tribunal







About 'bank debt recovery'|The Role of the Debt Recovery Tribunal








Ｉ               ａｍ               ａ               ｐａｒｔ-ｔｉｍｅ               ｍｕｓｉｃｉａｎ.

Ｂａｃｋ               ｉｎ               2001               Ｉ               ｂｏｕｇｈｔ               ａ               ｗｈｏｌｅ               ｂｕｎｃｈ               ｏｆ               ｒｅｃｏｒｄｉｎｇ               ｅｑｕｉｐｍｅｎｔ               ｏｎ               ｃｒｅｄｉｔ.

Ｉ               ｐｏｐｐｅｄ               ｍｙ               Ｒａｄｉｏ               Ｓｈａｃｋ               ｃａｒｄ               ｏｕｔ               ｔｈｅｒｅ,               ａｎｄ               ｐｕｒｃｈａｓｅｄ               ａ               ｋａｒａｏｋｅ               ｂｏｘ               ｔｈａｔ               Ｉ               ｗａｓ               ｇｏｉｎｇ               ｔｏ               ｕｓｅ               ａｓ               ａ               ｍｕｌｔｉ-ｔｒａｃｋ               ｒｅｃｏｒｄｅｒ.

Ｉｔ               ｗａｓ               ｂｒｏｋｅｎ               ｂｅｆｏｒｅ               Ｉ               ｗａｓ               ａｂｌｅ               ｔｏ               ｅｎｊｏｙ               ｉｔ               ｌｏｎｇ,               ｂｕｔ               Ｉ               ｓｔｉｌｌ               ｈａｖｅ               ｔｈｅ               ｔａｐｅｓ               ｏｆ               ｔｈｏｓｅ               ｒｅｃｏｒｄｉｎｇ               ｓｅｓｓｉｏｎｓ.

Ｉ               ｗａｓ               ｗｏｒｋｉｎｇ--ａ               ｌｉｔｔｌｅ.

Ａｎｄ               ａｔ               ｔｈｅ               ｔｉｍｅ               Ｉ               ｔｈｏｕｇｈｔ               Ｉ               ｗａｓ               ｇｏｉｎｇ               ｔｏ               ｂｅ               ａｂｌｅ               ｔｏ               ｋｅｅｐ               ｕｐ               ｔｈｅ               ｐａｙｍｅｎｔｓ.

Ａｎｄ               ｆｏｒ               ａｗｈｉｌｅ,               ｉｎ               ｆａｃｔ,               Ｉ               ｄｉｄ.

Ｂｕｔ               ａｓ               ｔｉｍｅ               ｍｏｖｅｄ               ｆｏｒｗａｒｄ,               ｏｎｅ               ｔｈｉｎｇ               Ｉ               ｄｉｓｃｏｖｅｒｅｄ:               Ｆｏｒ               ｓｏｍｅ               ｒｅａｓｏｎ               ｏｒ               ａｎｏｔｈｅｒ,               ｗｏｒｋ               ｗａｓ               ｇｅｔｔｉｎｇ               ｆｕｒｔｈｅｒ               ａｎｄ               ｆｕｒｔｈｅｒ               ａｗａｙ               ｆｒｏｍ               ｍｅ.

Ｔｈａｔ               ｙｅａｒ               ｉｔ               ｓｅｅｍｅｄ               ｔｈａｔ               ｓｏｍｅｔｈｉｎｇ               ｗａｓ               ａｌｗａｙｓ               ｈａｐｐｅｎｉｎｇ               ｏｎ               ｔｈｅ               ｊｏｂ.

Ｉ               ｗａｓ               ｗｏｒｋｉｎｇ               ｔｅｍｐｏｒａｒｙ               ｊｏｂｓ               ｔｈｒｏｕｇｈ               Ｌａｂｏｒ               Ｒｅａｄｙ,               ａｎｄ               ｔｈｅ               ｃｏｍｐａｎｉｅｓ               Ｉ               ｗａｓ               ｄｉｓｐａｔｃｈｅｄ               ｔｏ               ｄｉｄｎ'ｔ               ｗａｎｔ               ｍｅ               ｂａｃｋ,               ｂｅｃａｕｓｅ               Ｉ               ｗａｓ               ｔｏｏ               ｓｌｏｗ,               ｏｒ               ｔｏｏ               ｗｈａｔｅｖｅｒ.

Ｔｏ               ｍａｋｅ               ａ               ｌｏｎｇ               ｓｔｏｒｙ               ｓｈｏｒｔ,               ｍｙ               ｐｏｃｋｅｔｂｏｏｋ               ｂｅｇａｎ               ｔｏ               ｓｕｆｆｅｒ               ｔｒｅｍｅｎｄｏｕｓｌｙ.

Ｉ               ｗａｓ               ｈａｒｄｌｙ               ｍａｋｉｎｇ               ｒｅｎｔ,               ｗｈｉｃｈ,               ｂｙ               ｔｈｅ               ｗａｙ,               ｉｓ               ｙｏｕｒ               ｍｏｓｔ               ｉｍｐｏｒｔａｎｔ               ｅｘｐｅｎｓｅ.

Ｉｎｄｅｅｄ,               ｋｅｅｐｉｎｇ               ａ               ｒｏｏｆ               ｏｖｅｒ               ｙｏｕｒ               ｈｅａｄ               ｉｓ               ｔｈｅ               ｍｏｓｔ               ｉｍｐｏｒｔａｎｔ               ｔｈｉｎｇ               ｉｎ               ｔｈｅ               ｗｏｒｌｄ,               ｎｅｘｔ               ｔｏ               ｐａｙｉｎｇ               ｙｏｕｒ               ｔｉｔｈｅｓ.

Ｂｅｉｎｇ               ｅｖｉｃｔｅｄ               ｄｏｅｓ               ｎｏｔ               ｌｅａｖｅ               ａ               ｇｏｏｄ               ｉｍｐｒｅｓｓｉｏｎ               ｏｎ               ｙｏｕ               ｗｈｅｎ               ｙｏｕ               ｗａｎｔ               ｔｏ               ｒｅｎｔ               ｅｌｓｅｗｈｅｒｅ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ.

Ａｎｄ               ｐｌｅａｓｅ               ａｌｓｏ               ｎｏｔｅ               ｔｈａｔ               ｒｅｎｔｅｒｓ               ｄｏ               ｐｅｒｆｏｒｍ               ｃｒｅｄｉｔ               ｃｈｅｃｋｓ.

Ｉｆ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｉｓ               ｕｎｓａｔｉｓｆａｃｔｏｒｙ,               ｙｏｕ               ｗｉｌｌ               ｂｅ               ｔｕｒｎｅｄ               ｄｏｗｎ.
               Ｌａｔｅｒ               ｔｈａｔ               ｆａｌｌ,               ａ               ｃｈｅｃｋ               ｃａｍｅ               ｉｎ               ｔｈｅ               ｍａｉｌ.

Ｉｔ               ｗａｓ               ａ               "ｃｈｅｑｕｅ"               ｆｒｏｍ               Ｗｅｌｌｓ               Ｆａｒｇｏ.

Ｉｆ               ｙｏｕ               ｃａｓｈｅｄ               ｉｔ,               ｙｏｕ               ｈａｄ               ａｂｏｕｔ               ｔｈｉｒｔｙ               ｄａｙｓ               ｔｏ               ｓｔａｒｔ               ｐａｙｉｎｇ               ｏｎ               ｉｔ.

Ｅｖｅｎ               ｔｈｏｕｇｈ               ｔｈａｔ               ｖｏｉｃｅ               ｔｏｌｄ               ｍｅ,               "Ｎｏ,"               Ｉ               ｆｅｌｔ               ｄｅｓｐｅｒａｔｅ.

Ｉ               ｗａｎｔｅｄ               ａ               ｑｕｉｃｋ               ｆｉｘ.

Ｄｉｓｔｒｅｓｓｅｄ               ａｂｏｕｔ               ｎｏｔ               ｆｉｎｄｉｎｇ               ａ               ｊｏｂ,               Ｉ               ｗａｎｔｅｄ               ｔｏ               ｂｅ               ａｂｌｅ               ｔｏ               ｋｅｅｐ               ｍｙ               ｂｉｌｌｓ               ｐａｉｄ.

Ｋｅｅｐｉｎｇ               ｍｙ               ｈｅａｄ               ａｂｏｖｅ               ｗａｔｅｒ               ｗａｓ               ｂｅｃｏｍｉｎｇ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｄｉｆｆｉｃｕｌｔ.

Ｉ               ｆｅｌｔ               ａｓ               ｉｆ               Ｉ               ｗａｓ               ｄｒｏｗｎｉｎｇ.

Ｔｈｅ               ｍｏｒｅ               Ｉ               ｓｔｒｕｇｇｌｅｄ               ｔｏ               ｂｒｅａｔｈｅ,               ｔｈｅ               ｍｏｒｅ               ｔｈｅ               ｗａｔｅｒ               ｂｅｇａｎ               ｆｉｌｌｉｎｇ               ｍｙ               ｌｕｎｇｓ.

Ｉ               ｗａｓ               ｃｈｏｋｅｄ.
               Ｉｎ               Ｎｏｖｅｍｂｅｒ,               Ｉ               ｗａｓ               ｔｅｌｅｍａｒｋｅｔｅｄ               ｆｏｒ               ａ               ｎｅｗ               Ｃａｐｉｔａｌ               Ｏｎｅ               Ｍａｓｔｅｒｃａｒｄ.

Ａｔ               ｆｉｒｓｔ,               ｎｏ               ｐｒｏｂｌｅｍ.

Ｔｈｅ               ｓｃｈｏｏｌ               ｄｉｓｔｒｉｃｔ               ｗａｓ               ｕｓｉｎｇ               ｍｅ               ｒｅｇｕｌａｒｌｙ               ｔｈａｔ               ｗｉｎｔｅｒ,               ａｎｄ               Ｉ               ｗａｓ               ａｂｌｅ               ｔｏ               ｋｅｅｐ               ｉｔ               ｕｐ.

Ｉ               ｗｏｕｌｄ               ｕｓｅ               ｔｈｅ               ｐｌａｓｔｉｃ               ｔｏ               ｋｅｅｐ               ｇｒｏｃｅｒｉｅｓ               ｉｎ               ｍｙ               ｈｏｕｓｅ,               ｐａｙ               ｔｈｅ               ｌｉｇｈｔ               ｂｉｌｌ               ｗｈｅｎ               ｄｕｅ,               ｅｔｃ.

Ｂｕｔ               ｏｎｅ               ｔｈｉｎｇ               Ｉ               ｄｉｄｎ'ｔ               ｄｏ               ｔｈａｔ               Ｉ               ｗｏｕｌｄ               ａｄｖｉｓｅ               ｙｏｕ,               ｍｙ               ｒｅａｄｅｒｓ,               ＴＯ               ｄｏ.

Ａｌｗａｙｓ               ｃｈｅｃｋ               ｔｈｅ               ＡＰＲ,               ａｎｄ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ.

Ｉｆ               ｔｈｅ               ＡＰＲ               ｙｏｕ               ａｒｅ               ｏｆｆｅｒｅｄ               ｉｓ               ｌｏｗ,               ａｓｋ               ｉｆ               ｉｔ               ｉｓ               ｏｎｌｙ               ａｎ               ｉｎｔｒｏｄｕｃｔｏｒｙ               ｒａｔｅ.

Ａｌｓｏ               ｂｅｗａｒｅ               ｔｈａｔ               ｗｉｔｈ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ,               ｉｆ               ｙｏｕ               ｆａｌｌ               ｂｅｈｉｎｄ               ｏｎ               ｙｏｕｒ               ｏｔｈｅｒ               ｂｉｌｌｓ,               ｔｈｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ               ｗｉｌｌ               ｐｅｎａｌｉｚｅ               ｙｏｕ               ｂｙ               ｒａｉｓｉｎｇ               ｔｈｅｉｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｏｎ               ｙｏｕ.

Ｙｏｕ               ｃｏｕｌｄ               ｆｉｎｄ               ｙｏｕｒｓｅｌｆ               ｐａｙｉｎｇ               28%               ｉｎｔｅｒｅｓｔ,               ｗｈｉｃｈ               ｗｏｕｌｄ               ｎｏｔ               ｂｅ               ｖｅｒｙ               ｐｌｅａｓａｎｔ.
               Ｔｏ               ｍａｋｅ               ａ               ｌｏｎｇ               ｓｔｏｒｙ               ｓｈｏｒｔ,               ｉｔ               ｄｉｄｎ'ｔ               ｂｅｃｏｍｅ               ｅａｓｉｅｒ               ｔｏ               ｆｉｎｄ               ｗｏｒｋ               ｏｖｅｒ               ｔｉｍｅ.

Ｂｙ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ               ｆａｌｌ,               Ｉ               ｃｏｕｌｄｎ'ｔ               ｗｏｒｋ               ａｎｙｍｏｒｅ.

Ｉ               ｈａｄ               ｔｏ               ｇｏ               ｈｏｍｅ               ａ               ｃｏｕｐｌｅ               ｏｆ               ｍｏｎｔｈｓ,               ｍｙ               ｄａｄ               ｗａｓ               ｄｙｉｎｇ               ｏｆ               ｃａｎｃｅｒ.

Ｈｉｓ               ｉｌｌｎｅｓｓ               ｈａｄ               ｐｒｏｇｒｅｓｓｅｄ               ｔｏ               ｔｈｅ               ｐｏｉｎｔ               ｗｈｅｒｅ               ｓｈｅ               ｎｅｅｄｅｄ               ｈｅｌｐ               ｃａｒｉｎｇ               ｆｏｒ               ｈｉｍ.

Ｉ               ｈａｄ               ｔｏ               ｄｒｏｐ               ｗｏｒｋ               ａｎｄ               ｇｏ               ｂａｃｋ               ｔｏ               Ｄｅｔｒｏｉｔ               ｔｏ               ｈｅｌｐ               ｃａｒｅ               ｆｏｒ               ｈｉｍ.

Ｔｈａｔ               ｂｅｃａｍｅ               ｍｙ               ｊｏｂ--ｉｔ               ｗａｓ               ａ               24/7               ｇｉｇ               ｔｏｏ.

Ｉ               ｈａｄ               ｔｏ               ｃｏｎｓｔａｎｔｌｙ               ｗａｔｃｈ               ｈｉｍ,               ｔｈａｔ               ｈｅ               ｄｉｄ               ｎｏｔｈｉｎｇ               ｔｏ               ｈｕｒｔ               ｈｉｍｓｅｌｆ,               ｏｒ               ｔｈｅ               ｒｅｓｔ               ｏｆ               ｕｓ.

Ｙｏｕ               ｓｅｅ,               ｔｈｅ               ｃｏｌｏｎ               ｃａｎｃｅｒ               ｈｅ               ｈａｄ               ｈａｄ               ｐｒｏｇｒｅｓｓｅｄ               ｔｏ               ｈｉｓ               ｂｒａｉｎ,               ｃａｕｓｉｎｇ               ｓｅｖｅｒｅ               ｄｅｍｅｎｔｉａ               ａｎｄ               ｃｏｎｆｕｓｉｏｎ.

Ｉ               ｈａｄ               ｆｕｌｌｙ               ｄｅｐｌｅｔｅｄ               ｍｙ               ｓａｖｉｎｇｓ               ｂｙ               ｔｈｅｎ.
               Ｉｍａｇｉｎｅ               ｔｈｅ               ｍｅｓｓ               Ｉ               ｗａｓ               ｉｎ               ａｆｔｅｒ               ａｌｌ               ｏｆ               ｔｈａｔ               ｄｒａｍａ               ｉｎ               ｍｙ               ｐｅｒｓｏｎａｌ               ｌｉｆｅ               ｅｎｄｅｄ.

Ｉ               ｈａｄ               ｔｏ               ｃｏｍｅ               ｂａｃｋ,               ｌｏｏｋ               ｆｏｒ               ａ               ｊｏｂ,               ａｎｄ               ｔｒｙ               ｔｏ               ｇｅｔ               ｓｏｍｅ               ｏｆ               ｔｈｅｓｅ               ｂｉｌｌｓ               ｐａｉｄ               ｏｆｆ,               ａｎｄ               ｋｅｅｐ               ｕｐ               ｍｙ               ｒｅｎｔ               ｔｏｏ.

Ｎｏ               ｌｕｃｋ               ｆｉｎｄｉｎｇ               ｗｏｒｋ               ｔｈｅ               ｅｎｔｉｒｅ               ｓｕｍｍｅｒ               ｏｆ               2003.

Ｔｈｅ               ｃｒｅｄｉｔｏｒｓ,               ｌｉｋｅ               ｒａｖｅｎｉｎｇ               ｌｉｏｎｓ,               ｋｅｐｔ               ｃａｌｌｉｎｇ,               ａｎｄ               ｔｈｒｅａｔｅｎｉｎｇ.

Ｓｏｍｅｔｉｍｅｓ               Ｉ               ｄｉｄｎ'ｔ               ｅｖｅｎ               ｗａｎｔ               ｔｏ               ｐｉｃｋ               ｕｐ               ｍｙ               ｐｈｏｎｅ.

Ａｎｄ               ｔｈｅｙ               ｗｅｒｅ               ｎｏｔ               ｒｅａｌｌｙ               ｓｗｅｅｔ               ａｂｏｕｔ               ｔｈｉｎｇｓ               ｅｉｔｈｅｒ.

Ｉ               ｗｏｕｌｄ               ｇｅｔ               ｒｅｍａｒｋｓ               ｌｉｋｅ               "Ｌｉｆｅ               ｈａｐｐｅｎｓ.

Ｉ               ｓｔｉｌｌ               ｐａｙ               ｍｙ               ｂｉｌｌｓ               ｏｎ               ｔｉｍｅ!"
               Ｓｕｒｅ               ｅｎｏｕｇｈ,               ｏｎｅ               ａｆｔｅｒ               ａｎｏｔｈｅｒ,               ｔｈｅ               ｂｉｌｌｓ               ｃｈａｒｇｅｄ               ｏｆｆ.

Ｔｈｅｙ               ｗｅｒｅ               ｓｅｎｔ               ｔｏ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ.

Ａｎｄ               ｗｉｔｈ               ｔｈｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ,               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｋｅｐｔ               ａｃｃｒｕｉｎｇ.

Ａｎｄ               ｔｈｅ               ｔｈｉｎｇ               ａｂｏｕｔ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ,               ｙｏｕ               ｔｒｙ               ｔｏ               ｐａｙ               ｔｈｅｍ               ａ               ｌｉｔｔｌｅ               ａｔ               ａ               ｔｉｍｅ,               ｉｔ               ｓｔｉｌｌ               ｉｓ               ｈａｒｄ               ｔｏ               ｐａｙ               ｉｔ               ｏｆｆ,               ｂｅｃａｕｓｅ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｋｅｅｐｓ               ｇｏｉｎｇ               ｕｐ               ａｎｄ               ｕｐ               ａｎｄ               ｕｐ.
               Ａｎｄ               ｉｆ               ｙｏｕ               ｄｏ               ｎｏｔ               ｋｅｅｐ               ｕｐ               ｔｈｅ               ｐａｙｍｅｎｔｓ,               ｅｖｅｎｔｕａｌｌｙ               ｔｈｅｙ               ｗｉｌｌ               ｔａｋｅ               ｙｏｕ               ｔｏ               ｃｏｕｒｔ,               ａｎｄ               ａ               ｊｕｄｇｍｅｎｔ               ｗｉｌｌ               ｂｅ               ｒｅｎｄｅｒｅｄ               ａｇａｉｎｓｔ               ｙｏｕ.

Ｏｎｃｅ               ｔｈａｔ               ｈａｐｐｅｎｓ,               ｙｏｕ               ｈａｄ               ｂｅｔｔｅｒ               ｍａｋｅ               ａ               ｐａｙｍｅｎｔ               ａｒｒａｎｇｅｍｅｎｔ               ｉｍｍｅｄｉａｔｅｌｙ,               ａｎｄ               ｋｅｅｐ               ｉｔ.

Ｏｒ               ｅｌｓｅ               ｙｏｕ               ｃｏｕｌｄ               ｅｎｄ               ｕｐ               ｗｉｔｈ               ｙｏｕｒ               ｗａｇｅｓ               ｇａｒｎｉｓｈｅｄ.

Ｔｈｉｓ               ｉｓ               ｗｈｅｎ               ｙｏｕｒ               ｐｌａｃｅ               ｏｆ               ｗｏｒｋ               ｂｅｃｏｍｅｓ               ｉｎｖｏｌｖｅｄ.

Ｔｈｅ               ｌａｗ               ｓａｙｓ               ｔｈａｔ               ｗｈｉｌｅ               ｔｈｅｙ               ｃａｎｎｏｔ               ｆｉｒｅ               ｙｏｕ               ｏｖｅｒ               ｏｎｅ               ｇａｒｎｉｓｈｍｅｎｔ,               ｍｏｓｔ               ｌｉｋｅｌｙ               ｔｈｅｙ               ｗｉｌｌ               ｆｉｒｅ               ｙｏｕ               ｏｖｅｒ               ａｎｙ               ｍｏｒｅ               ｔｈａｎ               ｔｈａｔ.

Ｈｅｙ--ｅｍｐｌｏｙｅｒｓ               ｄｏｎ'ｔ               ｗａｎｔ               ｔｏ               ｈａｖｅ               ｔｏ               ｄｅａｌ               ｗｉｔｈ               ｙｏｕｒ               ｐｅｒｓｏｎａｌ               ｄｒａｍａ               ｉｎ               ｔｈｅｉｒ               ｗｏｒｋｐｌａｃｅ.

Ｔｈｅｙ               ＷＩＬＬ               ｐｕｔ               ａ               ｓｔｏｐ               ｔｏ               ｉｔ.
               Ｔｈｉｓ               ｈａｐｐｅｎｅｄ               ｔｏ               ｍｅ               ｗｈｅｎ               Ｉ               ｗａｓ               ｗｏｒｋｉｎｇ               ａｔ               ｔｈｅ               ｎｅｗｓｐａｐｅｒ.

Ｉ               ｗａｓ               ｇａｒｎｉｓｈｅｄ.

Ｂｙ               ｔｈｅ               ｇｒａｃｅ               ｏｆ               Ｇｏｄ,               Ｉ               ｗａｓ               ｎｏｔ               ｆｉｒｅｄ               ｆｒｏｍ               ｍｙ               ｊｏｂ               ｏｖｅｒ               ｉｔ.

Ｙｅｔ               Ｉ               ｃｏｕｌｄ               ｈａｖｅ               ｂｅｅｎ.

Ｂｕｔ               Ｉ               ｎｅｅｄｅｄ               ｔｏ               ｔａｋｅ               ａｃｔｉｏｎ               ｆａｓｔ.

Ｔｈｅ               ｏｎｌｙ               ｏｕｔ               ｗａｓ               ｔｏ               ｆｉｌｅ               ｆｏｒ               ｂａｎｋｒｕｐｔｃｙ,               ｗｈｉｃｈ               Ｉ               ｄｉｄ               ｄｏ               ｉｎ               ｔｈｅ               ｓｕｍｍｅｒ               ｏｆ               2005.

Ｉ               ｗｏｎ               ｍｙ               ｃａｓｅ,               ａｎｄ               ｓｉｎｃｅ               ｔｈｅｎ               Ｉ               ｗｏｕｌｄ               ｌｉｋｅ               ｔｏ               ｓａｙ               ｔｈａｔ               ｔｈｉｎｇｓ               ｈａｖｅ               ｇｏｔｔｅｎ               ａ               ｌｏｔ               ｂｅｔｔｅｒ.

Ｂｕｔ               Ｉ               ａｍ               ｓｌｏｗｌｙ               ｂｕｔ               ｓｕｒｅｌｙ               ｍａｋｉｎｇ               ｐｒｏｇｒｅｓｓ               ｔｏｗａｒｄｓ               ｆｉｎａｎｃｉａｌ               ｒｅｃｏｖｅｒｙ.
               Ｓｏｍｅ               ｌｅｓｓｏｎｓ               Ｉ               ｈａｖｅ               ｌｅａｒｎｅｄ               ｏｖｅｒ               ｔｈｅ               ｙｅａｒｓ               ｔｈａｔ               Ｉ               ｗｏｕｌｄ               ｌｉｋｅ               ｔｏ               ｓｈａｒｅ               ｗｉｔｈ               ｙｏｕ.

Ｆｉｒｓｔ,               ｉｆ               ｙｏｕ               ｃａｎ               ａｖｏｉｄ               ｉｔ,               ｐｌｅａｓｅ               ｄｏｎ'ｔ               ｓｉｇｎ               ｆｏｒ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ.

Ｏｒ               ｉｆ               ｙｏｕ               ｄｏ,               ｂｅ               ｓｕｒｅ               ｔｏ               ｌｏｃｋ               ｉｎ               ｔｈｅ               ｌｏｗｅｓｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｐｏｓｓｉｂｌｅ,               ｔｈｅｎ               ｏｎｌｙ               ｂｕｙ               ｗｈａｔ               ｙｏｕ               ｃａｎ               ｐａｙ               ｏｆｆ               ｉｎ               ａ               ｍｏｎｔｈ,               ａｓ               ｆｉｎａｎｃｉａｌ               ｇｕｒｕ               Ｓｕｚｅ               Ｏｒｍａｎ               ｈａｓ               ａｌｗａｙｓ               ｓａｉｄ.

Ｓｅｃｏｎｄ,               ｄｏｎ'ｔ               ｆａｌｌ               ｆｏｒ               ｔｈｅｓｅ               ｃｅｌｌ               ｐｈｏｎｅ               ｇｉｍｍｉｃｋｓ               ｓｏ               ｑｕｉｃｋｌｙ.

Ｉｆ               ＡＴ&Ｔ               ｏｆｆｅｒｓ               ｙｏｕ               ｔｈｉｓ               ｓｗｅｅｔ               ｃｅｌｌ               ｐｈｏｎｅ               ｄｅａｌ               ｆｏｒ               ｏｎｌｙ               $49.00               ａ               ｍｏｎｔｈ,               ｆｉｎｄ               ｏｕｔ               ｉｆ               ｔｈｉｓ               ｉｓ               ａ               ｐｅｒｍａｎｅｎｔ               ｒａｔｅ,               ｏｒ               ｏｎｌｙ               ａｎ               ｉｎｔｒｏｄｕｃｔｏｒｙ               ｒａｔｅ.

Ａｎｄ               ｐｌｅａｓｅ,               ｂｅｆｏｒｅ               ｐｕｔｔｉｎｇ               ｙｏｕｒ               Ｊｏｈｎ               Ｈａｎｃｏｃｋ               ｏｎ               ａｎｙｔｈｉｎｇ...ｒｅａｄ               ｔｈｅ               ｆｉｎｅ               ｐｒｉｎｔ,               ａｓ               Ｉ               ａｍ               ｓｕｒｅ               ｙｏｕｒ               ｍｏｍ               ｈａｓ               ａｌｗａｙｓ               ｔｏｌｄ               ｙｏｕ.

Ｔｈｉｒｄ,               ａｌｗａｙｓ               ａｌｗａｙｓ               ｂｕｄｇｅｔ!

Ｋｅｅｐ               ｖｅｒｙ               ｔｉｇｈｔ               ｔａｂｓ               ｏｎ               ａｎｙ               ｃｈｅｃｋｉｎｇ               ａｎｄ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔｓ--ｏｖｅｒｄｒａｆｔｓ               ｄｏ               ｈａｖｅ               ａ               ｗａｙ               ｏｆ               ｓｎｅａｋｉｎｇ               ｕｐ               ｏｎ               ｙｏｕ.

Ｋｅｅｐ               ａ               ｌｅｄｇｅｒ--ｗｒｉｔｅ               ｄｏｗｎ               ｅｖｅｒｙ               ｗｉｔｈｄｒａｗａｌ,ａｎｄ               ｍａｋｅ               ｓｕｒｅ               ｙｏｕ               ｓｔａｙ               ｏｎ               ｔｏｐ               ｏｆ               ｉｔ.

Ｖｅｒｙ               ｉｍｐｏｒｔａｎｔ:               Ｉ               ｋｎｏｗ               ｏｆ               ｏｎｅ               ｉｎｓｔｉｔｕｔｉｏｎ               ｔｈａｔ               ｃｈａｒｇｅｓ               $32               ａ               ｄａｙ               ｆｏｒ               ｅｖｅｒｙ               ｄａｙ               ｙｏｕｒ               ａｃｃｏｕｎｔ               ｒｅｍａｉｎｓ               ｏｖｅｒｄｒａｗｎ.

Ｔａｌｋ               ａｂｏｕｔ               ｐｕｔｔｉｎｇ               ｙｏｕｒ               ｍｏｎｅｙ               ｉｎ               ｈｏｌｅｓ.

Ｙｏｕ               ｍａｙ               ｍａｋｅ               ａ               ｐｒｅｔｔｙ               ｄｅｃｅｎｔ               ｓａｌａｒｙ               ａ               ｗｅｅｋ...ｏｎｌｙ               ｔｏ               ｈａｖｅ               ｍｏｓｔ               ｏｒ               ａｌｌ               ｏｆ               ｉｔ               ｄｉｓａｐｐｅａｒ               ｂｅｃａｕｓｅ               ｏｆ               ｂａｎｋ               ｏｖｅｒｄｒａｆｔ               ｆｅｅｓ.

Ａｎｄ               ｆｏｕｒｔｈｌｙ,ｄｏｎ'ｔ               ｈｅｓｉｔａｔｅ               ｔｏ               ｓｅｅｋ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｈｅｌｐ.

Ｔｈｅｒｅ               ａｒｅ               ｆｉｎａｎｃｉａｌ               ｃｏｕｎｓｅｌｏｒｓ               ｗｈｏ               ｗｉｌｌ               ｂｅ               ｍｏｒｅ               ｔｈａｎ               ｈａｐｐｙ               ｔｏ               ｈｅｌｐ               ｙｏｕ               ｂｕｄｇｅｔ               ｉｆ               ｙｏｕ               ａｒｅ               ｗｉｌｌｉｎｇ               ｔｏ               ｍａｋｅ               ｔｈｅ               ｆｉｒｓｔ               ｍｏｖｅ.

Ｏｎｌｙ               ｌｏｏｋ               ｆｏｒ               ｔｈｏｓｅ               ｗｈｏ               ｅｉｔｈｅｒ               ｏｆｆｅｒ               ａ               ｍｉｎｉｍａｌ               ｆｅｅ,               ｉｆ               ａｎｙｔｈｉｎｇ               ａｔ               ａｌｌ.

Ｉ               ｒｅｃｅｉｖｅｄ               ｈｅｌｐ               ｆｏｒ               ｏｎｌｙ               $35               ｆｒｏｍ               ｏｎｅ               ｃｏｕｎｓｅｌｏｒ               ｉｎ               ｔｏｗｎ.
               Ｍｙ               ｗｈｏｌｅ               ｐｏｉｎｔ               ｉｎ               ｗｒｉｔｉｎｇ               ｔｈｉｓ               ｉｓ               ｔｈａｔ               ｙｏｕ               ｃａｎｎｏｔ               ｃｈａｎｇｅ               ｔｈｅ               ｐａｓｔ.

Ｙｏｕ               ｃａｎ               ｏｎｌｙ               ｔｏ               ｒｅｓｏｌｖｅ               ｔｏ               ｄｏ               ｂｅｔｔｅｒ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ.

Ｍａｋｅ               ｂｅｔｔｅｒ               ａｎｄ               ｗｉｓｅｒ               ｆｉｎａｎｃｉａｌ               ｄｅｃｉｓｉｏｎｓ.

Ｌｅａｒｎ               ｔｈｅ               ｂｅｎｅｆｉｔｓ               ｏｆ               ｄｅｌａｙｅｄ               ｇｒａｔｉｆｉｃａｔｉｏｎ,               ａｓ               Ｔ.Ｄ.

Ｊａｋｅｓ               ａｎｄ               ｏｔｈｅｒｓ               ｈａｖｅ               ｓａｉｄ.

Ｉｎｄｅｅｄ,               ａ               ｃｌｏｓｅ               ｅｘａｍｉｎａｔｉｏｎ               ｏｆ               ｗｈｅｔｈｅｒ               ｙｏｕ               ｎｅｅｄ               ｔｈａｔ               ｒｅｃｏｒｄｉｎｇ               ｅｑｕｉｐｍｅｎｔ,               ｏｒ               ｔｈｏｓｅ               ｍｕｓｉｃａｌ               ｉｎｓｔｒｕｍｅｎｔｓ               ｒｉｇｈｔ               ｎｏｗ               ｉｓ               ｄｅｆｉｎｉｔｅｌｙ               ｉｎ               ｏｒｄｅｒ.

Ａｄｄｉｔｉｏｎａｌｌｙ,               ｉｆ               ｙｏｕ               ｋｎｅｗ               ｔｈａｔ               ｙｏｕ               ａｎｄ               ｙｏｕｒ               ｗｉｆｅ               ａｌｒｅａｄｙ               ａｔｅ               ｏｕｔ               ｌａｓｔ               ｗｅｅｋ,               ｙｏｕ               ｍｉｇｈｔ               ｗａｎｔ               ｃｏｎｓｉｄｅｒ               ｅａｔｉｎｇ               ａｔ               ｈｏｍｅ               ｔｈｉｓ               ｗｅｅｋ.






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      ... prescribed in legislations like the Recovery of Debts Due to Banks and Financial Institutions Act, 1993 (“RDB Act”), the Securitisation...
    4. ibloga.blogspot.com/   03/15/2012
      ...Paul Sperry, The Great American Bank Robbery . Moreover, it was...responsibility to foster a timely, robust recovery restoring traditional..., the national debt, and the deficit by nearly a trillion...
    5. indiacorplaw.blogspot.com/   01/29/2009
      ... entitled to approach civil courts independently. Section 17 of the Recovery of Debts Due to Banks and Financial Institutions Act, 1993 [“RDB Act”] provides that the...
    6. indiacorplaw.blogspot.com/   08/04/2009
      ... from banks and financial institutions for recovery of debts due to such banks and financial institutions ”. S. 18 ousts the jurisdiction...
    7. populareconomicsweekly.blogspot.com/   06/17/2011
      ... are still focusing on paying down credit card debt while banks are still writing off bad debt though not as rapidly as they ...
    8. rajeevdm.blogspot.com/   08/07/2005
      ...It now seems plausible to me that bolstering Russia's quick recovery was viewed as inimical to US interests by the Bush and the defense...
    9. whattaboutbob.blogspot.com/   02/21/2013
      ... are in Israel. On average, however, recovery rates in corporate bankruptcies...prior to bankruptcy. And it has total debts of around $4 billion. Even assuming...
    10. lucas2012infos.wordpress.com/   02/08/2013
      ...Anglo Irish Bank was “an historic step in our economic recovery”. The taoiseach predicted the cut in bank debt payments would bolster global confidence in Ireland. Anglo Irish...

      11. Bank Debt Recovery - Blog Homepage Results

      A Community Motivated Periodic Reviewbytodaysthedayhbg
      http://todaysthedayhbg.wordpress.com/
      ...45M could go against the current incinerator debt? Debt service for 2011 is $54M. How much ... against THA and the City by TD Bank et al., the County, & Covanta? A dual county, regional...
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