Monday, December 28, 2009

I am in a lot of debt and have been advised by a debt agency to go bankrupt does anybody have any advice plz?

What about a IVA - Individual voluntary Arrangement - See this website for details of what this about and how it differs from bankruptcy..


http://www.libertytreegroup.com/





Go to the link which says ';Our Products';. the go to the part which says IVA...





This is part of what it says IVA's are:


';An IVA is an alternative to bankruptcy introduced by the government as part of the Insolvency Act 1986. It enables an individual in debt (debtor) to make a proposal to the people they owe money to (creditors) to reach a settlement. Should the proposal be approved by a majority of the creditors, the IVA then stands as a contract that binds all parties and prevents any further action.





A standard IVA will offer to pay whatever is affordable monthly into a fund over a five year period, and after that the debt is cleared. This can be the case even if the creditors end up getting less than 30% of their debts repaid, and so monthly payments into an IVA can be as little as 拢250 per month. Payments are based on what an individual or household can actually afford and are normally over 拢300-400, but still tends to be significantly less than the existing minimum payments on credit cards and loans';.








Nope I don't work for the company but came across the site myself today.. it just explains how IVA's differ from bankruptcy and at least you wouldn;t lose everything!! Lots of people are going for IVA's apparently.





Also contact your local CAB who will be able to offer you advice...





Take care...I am in a lot of debt and have been advised by a debt agency to go bankrupt does anybody have any advice plz?
as above IVA is the way to go. your credit rating will not be affected, although you will be advised not to get loans or credit cards while the amount is payed off. if you get the right agency you may be able to get 75% of the money owed written off in a 5 year period.





Good luckI am in a lot of debt and have been advised by a debt agency to go bankrupt does anybody have any advice plz?
Have you weighed out the pros/cons. I suggest another opinion from a financial planner. I regret filing bankrupt because it wasn't that bad. I could have closed some open items. I was misled - so get that other opinion maybe 2.


Good Luck!!!!
A site with good advice on it is www.moneysavingexpert.com, which was written by a prominent TV personal finance expert. There's also a specialist forum there, so it's worth a look to help you make an informed decision.





Also, make sure you have independent advice (which you should be able to find for free), since this agency may have a vested interest.





Remember that neither bankrupcy nor an IVA is a decision to take lightly, so be careful.
Please don't take the advice of a debt agency. They're in the business of taking money from you. They'll charge to handle your bankruptcy and they'll charge a phenomenal amount if you go for an IVA. (The companies on TV that advertise IVAs as 'We'll use government legislation to write off your debts' will charge you between 8k and 15k to administer your IVA.)





Go and talk to the money advice team at your local citizens Advice Bureau. They are the only ones that will give you unbiased advice and guide you through any paperwork for free.
I am not an expert at all on this but you should do everything possible to eliminate your debt before you declare banruptcy. It is going to screw up your credit report for years. If you keep paying your debt now and on time that will be positive for your report. Going bankrupt should be the absolute last thing, where you can't do anything else. Have you tried consolidating your debt? You can also work with the people that you owe money to bring down your amount due. I would try every possible thing first. Good luck!
You may or may not qualify for Chap 7...you can't file either a 7 or 13 until you've completed a financial class approved by your Trustee......You should call your local trustee for a list of approved classes and go ahead and sign up......at least then you'll know where you stand and if you choose to go forward, you can at least file.....
my brother declared himself bankrupt, the only regret he had was not taking more.debt but everyones different
First you need to budget your money and determine the minimum you can live on and take the remainder of your income and divide it amongst all your creditors with an explantion. They should back off as long as you keep making consistent payments. Some will still sue you for the balance and even if they win, they still have to accept those payments since they can't squeeze blood from a turnip--they can take a lot of your personal property but they have to leave you your house and at least one vehicle, and your furniture (if inexpensive--if antiques, they can take them and auction them off and anything else you own that is ';unneccesary';)
it depends on these things:





1) how old are you?


2) what is the debt primarily from (medical bills? out of job? kids? credit card bills?)


3) do you want a house in the next 10 years?


4) do you realize that your credit history is garbage if you do it?





if at all possible, you should not go bankrupt. i don't want to lecture, but it's morally wrong if you got yourself into the mess by misusing credit cards by purchasing junk and stuff. yes, everyone makes mistakes and this is a common one, but the things you bought or used cost money. not paying for it is essentially stealing. if the mess was unavoidable (lost job, medical bills that weren't covered by your medical insurance policy), then it is more understandable. however, future creditors won't care how or why. just that you filed for bankruptcy.





also, be aware that new bankruptcy laws went into effect last year. this made it more difficult to file, and if you make a lot of money you are limited to the type of bankruptcy you can file.





good luck.
You should probably follow the advice the agency unless they have done something to make you think they are wrong. The bad news is the bankruptcy will stay on your credit record for at least seven years. During that time it will be hard to get credit for a car, house, credit cards, etc. Also your car insurance rates may be higher (I know this is nuts but I swear it's true) It is supposed to be harder now to file for bankruptcy but I think what that really means is that the lawyers will charge more money to do the paperwork. It is a huge step please be sure the agency is sure. Good luck.
Depends which debt agency advised you. If its one that charges for services dont go with them. you can file for bankruptcy yourself without paying charges to anyone else.


First though you need to check bankruptcy is the best option. You could talk to Payplan, CCCS or CAB all of whom give free advice. CAB can help you fillin your bankruptcy forms and tell you the pros and cons too. All of them can help you with negotiating lower repayments with your creditors if that's a better option.


Other people have said it will stay on your credit history for up to 7 years, but so will any default you have with a creditor, so if you're already in debt you're credit history will already be damaged.
It's not possible to give you any advice on the information given.





I would second the advice to look at the chat boards on the moneysavingexpert site.





Also go to the link below to the dealing with debt board on The Motley Fool. Post your statement of affairs (you must have produced one to get the advice you have been given) and get more opinions.
I was advised the same thing in the late 80s. I was told if I didn't file I would be forced into it within three months. I refused to do it, got a second job and for about 2 years worked every day of the year. But I DIDN'T declare bankruptcy!!


Possible that a consolidation loan may help you. Try the link below

I need advice for snake training. I'm afraid of my snake, and I need to get used to it biting me, any advise?

It's a 2 foot long kingsnake (I know not the ideal beginners training tool). It's very aggressive, and I have NO problems GETTING it to bite me, I just need some advice on HOW I get used to it biting me.





Is this one of those things where I just need to step up and be a man, and just DO IT?!?!





BE HONEST!I need advice for snake training. I'm afraid of my snake, and I need to get used to it biting me, any advise?
Many baby snakes bite. Their instincts tell them that when something picks them up, they are going to be eaten, so they do whatever they can to try and prevent this. I breed kingsnakes and the babies almost always bite. They have to learn that you're not a threat. This is done by gentle handling. Handle them for short periods of time a few times a week and eventually they will stop biting.I need advice for snake training. I'm afraid of my snake, and I need to get used to it biting me, any advise?
Um, why are you trying to train a snake to bite? Kings are biters to begin with. Regular handling can tame them down. If you don't like getting bitten, you can wear smooth leather gloves. This helps hide your heat signature and it will protect you from the bite. Snakes are not trainable per se except for conditioned responses. They don't have a brain large enough to understand trained responses.
well i have a 2ft baby diamond python that bit me because he was a bit stressed when i picked him up. now i get him out with a chop stick and put him on mu hand and he hasnt bitten me since(tho he did bite my mum cuz she dropped the mouse we were trying to feed it in its head) so try using something that u can use every time you get him out, (and dont wash it so he gets used to ur smell) once hes on ur hand he shouldn't bite. works for me anyways.





good luck!!!!
Number 1 wash your hands before handling the snake. This will get any PREY scent off your hands. When you try to pick the snake up be sure to rub it's side so that you do not startle it. It will take some time but the snake will get used to you. As for the person that said don't feed it, please ignore them they do not know what they are talking about. I have rescued large reptiles for many years, and if you will do this it will get better.
It's afraid you. I think so. Well my cat was doing same :D. Just do some activities with it and it will wont be so aggressive.
i;m pretty sure that if you put something in your cage that smells like you it will get used to you%26amp; bite less. if you hold it more it will get more friendly.
reality check PIKA. snakes wont attack anything that does not have body heat! I dont think it biting at you is something healthy. He/She seems to be dominant over you because you dont put an end to it. When it bites you, leave it unfed for a while, then come back later with food, if it bites you again dont feed it. After third time or fourth it will stop biting you and surely, it will have respect for you since you feed it. It wont be afraid anymore.
I have a Ball Python, and I was told that you are NOT supposed to feed it in it's cage. If you do, Everytime you open the lid to take it out, it will think you are food, and strike. When it's feeding time for mine, I have a separate cage that I put her in before I give her her mice. That way, every time I open her cage, she doesn't know if it's dinner time, or play time! My Bayja has never bitten me, so it works for me!
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  • Can anyone advise me on using a good condom??? I've never used one...and I'm going to get lucky soon...advice?

    My boyfriend and I prefer Trojans...I like the warm lubricating ones, but your partner may not. Ribbed ones are suppose to be good for extra pleasure. Lifestyles are another popular brand and that is what the health clinic back home used to give out. Latex is the best type to go with unless you or your partner are allergic.Can anyone advise me on using a good condom??? I've never used one...and I'm going to get lucky soon...advice?
    We like the Trojans the best, be sure to get the right size.Can anyone advise me on using a good condom??? I've never used one...and I'm going to get lucky soon...advice?
    it's kind of uncomfortable but the best brand is rough rider. works for me and good luck.

    Monday, December 21, 2009

    I need ADVISE. I don't have a girlfriend, I depressed about it, and I have a bigger problem now. Advice?

    Ok. My parents are separated, and they don't speak to each other anymore. My father's family is planning a get-together, because my father's and one of my cousin's birthday is comming up. Their birthday is within a couple days of each other. I have a second cousin, who is my age. He has a girlfriend, and they treat me younger then him. We're both 19. Right now, I'm single searching for a girlfriend. I HATE not having a girlfriend, and it embarrasses me. They always do things at get-togethers, to upset me for not having a girlfriend. My brother has a girlfriend and so does my 2nd cousin, so it is always me that's seen without a girlfriend. I'm sick of it. I know they both are going to be there at the get-together with their girlfriends. Then I'll be there without a girlfriend, and everyone will be treating me like a 9 year old, because of it. I don't want to go. I deserve a girlfriend as much as they do. I will do anything to get out of going. I won't go and my dad isn't happy about it.I need ADVISE. I don't have a girlfriend, I depressed about it, and I have a bigger problem now. Advice?
    That perfect girl will come, just be a little patient. Don't force yourself to get a girlfriend, it'll just end up terrible. I feel the same way in the aspect that you deserve to have a significant other, just don't let it get to you. Being single should be something to be happy about, you can look at any hot girl you want. If it really does bother you not to have someone, go and ask one of your girl buddies to be your girlfriend, if not, then get to know a girl you like at school and progressively get her to hang out and invite her to your family's get together. The more you let your family get to you about not having someone, the more they'll treat you like that. Just show them that you can take it, and then blast in the next get together with a hot broad that will blow them away.I need ADVISE. I don't have a girlfriend, I depressed about it, and I have a bigger problem now. Advice?
    I know EXACTLY where you're coming from, because I don't have a girlfriend, and I HATE being unattached ! Having said that, I think you should go to the family get -- together ... at least make a token appearance . Tell your father you'll go, but you'll leave if anybody teases you about not having a girlfriend . As it stands now, you're hurting your father by refusing to attend, and that won't do any good ... I also have to add -- Cleverpuss1970 had a GREAT idea !!
    I'm going to go with everyone else. If this is something you can't get out of (for real) then I would call up a few girls, tell them what is going on, and ask them to accompany you to the get together. A girlfriend doesn't have something of a romantic thing, it can always be casual (and many romantic relationships start up as casual.) Then at the party, you can talk about all the things you'd like to do together, and who knows, maybe it will lead to romance.





    But you need to quit wallowing in self-pity about your lack of love life. It's not going to get you a girlfriend any time soon. Seriously, for real. If after the party, they still give you grief about not getting a girlfriend, you should log on to Dear Abby at http://www.dearabby.com and send her a message describing your problem. She gives really good advice and you can trust her.





    Personally, I think your 2nd cousin and brother who have girlfriends are co-dependent, the type of person who needs to be constantly dating, and can't live without girlfriends because they don't know how to love themselves. It's the most pathetic thing I've ever heard. Were it me, I would've shrugged the teasing off, then e-mailed them a link of Chris Crocker's video on codependency, (I sent you the link in a private e-mail some weeks ago) telling them they need to take a good look at it and listen to the message behind it! AND YOU CAN TELL THEM THAT I THINK THEY ARE CODEPENDENT!!!!!!





    Dude, not to get personal, but I'm worried about you, man. This is nothing to kill yourself over at all.
    Well, you don't need a REAL girlfriend for this, you just need some friends who happen to be girls! Call all the girls you know up, (and have them call a few if you don't know many who will do this for you) and ask them ALL to go with you as your dates! Then you will have a group of girls all hanging on your arms, and you can say that you just couldn't choose! I'll just BET you will see pride shining in your dear old dad's eyes!
    Might be a good idea to try approaching a girl and asking her if she would like to go with you.
    How many cousings you got? damn you LAME!
    wow that seems like a lot of pressure put on you! but you should ingnore them or go look for someone
    your an adult.. u dont have to go if you dont want to..
    So don't go. Take your dad out afterwords, another night to dinner or something.





    Or go, hold your head up high, and shurg off the crap family gives you. If you don't let it bother you, then they won't keep doing it. They do it because it gets a rise out of you.





    Do you have any female friends that you could ask to go with you, maybe explain to them what's going on with your family, and maybe one would be willing to help you out and go with you, so they can't say anything?
    you need to be happy with yourself, and then girls will be more attracted to you


    sitting here and wallowing in why you don't have one will NOT do anything. trust me. every girl wants a confident nice guy


    being attractive is sometimes a good thing, but widely overrated.


    good luck! i'm sure your perfect girl's out there =D

    Can anyone advise me of a good company 2 book labia reduction with?and possible prices?any expereinces/advice?

    I would really like to have surgery to have my labia reduced and i am not sure where/who to go with. I know there is harley street doctors and bupa do it but i just wanted some advice before i go ahead.


    I am also not sure of prices?


    thanksCan anyone advise me of a good company 2 book labia reduction with?and possible prices?any expereinces/advice?
    Why would you want to mutilate your self, you realise no matter how skilled the surgeon, he can never reconnect the nerve endings so that you would not experience any pleasure by your partner caressing your labiaCan anyone advise me of a good company 2 book labia reduction with?and possible prices?any expereinces/advice?
    I want the same thing, i think its around 拢2000, and they do it under local anastetic (sp) and the surgery itself is usually around 2 hours and you can go home the same day. Erm i think they do it with a laser now so theres no scarring but about places to go im not sure...you should ask your doctor or something they will be able to refer you to somebody.

    I was advised 'never look at a camera, and don't make faces' - does that advice still hold true?

    The advisor was the TV director father of 2 famous screen actors, teaching a class at drama school.


    I've just watched the Christmas 'Doctor Who', and thought Dervla Kirwan acted everybody else off the screen.I was advised 'never look at a camera, and don't make faces' - does that advice still hold true?
    As a rule of thumb, never look into the camera unless told to do so. Facial expressions should only be done if the nature of the scene requires it.





    While it may appear that some actors/actresses are looking into the camera, they are often looking just above the camera line, focusing on a point behind the camera.I was advised 'never look at a camera, and don't make faces' - does that advice still hold true?
    well i agree with one of the answerer ( the actor one). don't look directly into the camera. just the focus point above the camera.





    and what did you mean Dervla Kirwan acted every body else off the screen? Was that a criticism or compliment? Mind my ignorance.. :X
    ever tried the hell of wedding photos without looking at the camera? Yes it was great and lovely but about halfway through the posed photos my smile became a painful grimace and it shows.
    it depends when you go into an audition ask the casting director.


    odds are she will have already told you who to act to, so it all depends!
    Yes, especially in your case.

    Do you think the people you advise to';get a life';actually go out and get one as a result of your sage advice?

    I don't give that particular piece of oh-so-caring advice; I will say, though, that the idea of someone answering a question on here with that advice is HILARIOUS considering. Nice crazy bit of irony, there, huh. Somebody sitting around all evening, answering random questions on a web site, telling someone to go out and get a life. Hah!Do you think the people you advise to';get a life';actually go out and get one as a result of your sage advice?
    I never give THAT advice. Anyway, I guess most people feel offended when they get that and they react the opposite way. So, no. I don't think many of them go out and get a life, when somebody else tells them to do so.Do you think the people you advise to';get a life';actually go out and get one as a result of your sage advice?
    Needy one...People who need to get a life are scum suckers. Live at home with parents, parasites %26amp; druggies. That's why some of them go to jail for 3 meals a day and a place to live.
    Heck no, because when you see them in town a few weeks later, they're still doing the same stupid things they were doing before the sage suggestion.
    Yes, because I'm just awesome like that.
    Depends on the kind of person and what kind of day they're having.If its a really serious person and takes things serious and is having a bad day on top of that then yea they are probably are going to set goals for themselves meet those goals thus having a life.If its a generally happy person and they are having a good day then they are probably just going to brush it off and get on with their life if they have one.
    Nope. Just psses them off.
    buddy seriously . . .u need to get a life? . .why would you waste 2 minutes asking this question?. .obviously you dont have a life.
    None that I know of, when these people are so self absorbed in their own incompetence, they couldn't hit water if they fell out of a boat.
    yes they do been there done that then the other person tried to get into my life it was so amazing
    Sounds like your a needyone.
    if they did get one, it will be b'coz of the Holy Spirit has touched their hearts. I can't take credit for what God do through me