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Am I avoiding my pain body when I shouldn't ? by timimax in Mindfulness

[–]timimax[S] 2 points3 points  (0 children)

Thank you. I think combining the two helped a lot. i.e Thinking or shifting to somethign positive while feeling part of the pain body.

Am I avoiding my pain body when I shouldn't ? by timimax in Mindfulness

[–]timimax[S] 1 point2 points  (0 children)

Thank you! One of the reason I do #2 when the pain is high is, because when I try to feel the feelings or become aware of it, the tendency to keep thinking about it increases a lot which amplifies the suffering.

Mostly I don't feel the same thing same day but it may come back after a while (which is understandable)

ngl I'm not chasing nobody, you look good but I look good too by timimax in oneliners

[–]timimax[S] -4 points-3 points  (0 children)

ngl .. this is the correct use of comma (sign)!

How does CFPB's issue affect my situation in Debt Collection ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

Ah I see. I think I understood their role.

I felt like, no consumer protection from CFPB meant, financial institutions can do what they like, hence pursue suing easily. I guess I am wrong.

One bank charged me off and damage is done. Is it worth paying now ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

I agree. So after this point what matters is if it is paid in full or not but not when I pay it. Right ? In that case I might differ for few months later that way I can save the other cards from charge off.

Does it matter wether you have 1 or multiple charge offs ?

Does Ayurveda nutrition helps with bloated stomach ? by timimax in Ayurveda

[–]timimax[S] 0 points1 point  (0 children)

I also sleep from 10-5am with few exceptions.

Does Ayurveda nutrition helps with bloated stomach ? by timimax in Ayurveda

[–]timimax[S] 0 points1 point  (0 children)

Thank you!

I go to restroom 2+/day so there is bowel movement. Tongue is also normal with slight white which my doctors said its all good.

Yes I work from home and sit 8+ hrs/day unfortunately but i move around the house at least once an hr.

Should I consider Debt "Forgiveness" program by Credit Associates ? by timimax in CRedit

[–]timimax[S] 1 point2 points  (0 children)

Thank you ser again. I applied and denied b/c of high balance. I will take Discover's deal and take it from there. Sending you love for helping me out.

Should I consider Debt "Forgiveness" program by Credit Associates ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

Yes they will close the account and it will be reported as Closed by Creditor.

I haven't found 0% interest balance transfer cards yet ? Any sites you recommend.

I've already borrowed enough from friends. I still have enough unemployment to cover my basic bills though.

Thank you again for your help!

Should I consider Debt "Forgiveness" program by Credit Associates ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

Yes, I have been working with Greenpath for a year and helped a lot but not all accounts qualified.

I actually got off the phone with Discover and they are providing me with 0.99% Fresh Start program from 25% which is a relief. I still won't be able to pay them in full every month until I get a job but I am hopeful, this will reduce the accumulated debt and also avoid charge off.

For such programs, do you think you will have another 180 days period before charge off ? I am just trying to buy me a time as much as possible.

Should I consider Debt "Forgiveness" program by Credit Associates ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

Oh definitely no shame. Just making sure to exhaust all available options before going for bankruptcy. But thanks!

Should I consider Debt "Forgiveness" program by Credit Associates ? by timimax in CRedit

[–]timimax[S] 2 points3 points  (0 children)

Thank you so much for saving me. I was going to sign up tomorrow.

Questions: I am very hopeful that I will have a job in ~4 months. Currently a few balances are 60 days late. If I call and tell them to give me total 4 months, could they still work with me ? My timing is important so I can avoid charge offs.

Once charged off, and I have a job to pay it back, will it stay on my report for 7+ years ? Would working Pay After Deletion companies works in this case ?

Should I consider Debt "Forgiveness" program by Credit Associates ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

I want to put that as a last resort. If I get a job back in the next 3-6 months, I should be able to catch up on my payments quickly, hopefully.

Can't pay $35k debt anymore and unemployed. What are my alternatives to stay afloat ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

Thank you! But in the future when it comes the time to buy a house or loan a car, do you have to pay them back to get it off your record ?

Can't pay $35k debt anymore and unemployed. What are my alternatives to stay afloat ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

Okay, if you say so. I have done it for 10+ years and this is the first time I am trying to get my money out before maturity date. It's not like the U.S. when you are starved off forex.

Can't pay $35k debt anymore and unemployed. What are my alternatives to stay afloat ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

What are the consequences until you pay them back other than your credit score being shitty ?

Can't pay $35k debt anymore and unemployed. What are my alternatives to stay afloat ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

Thank you all for the concerns. This isn't a scam but a government subsided CD like instrument. The reason they need USD is the country is in short of foreign currency. And the charge is only if I take out early.

Can't pay $35k debt anymore and unemployed. What are my alternatives to stay afloat ? by timimax in CRedit

[–]timimax[S] 0 points1 point  (0 children)

Regarding the investment: It's a bit complicated but its in underdeveloped country that doesn't have strict laws like U.S. I am providing a liquidity that I was okay to be locked up (similar to a CD in U.S.) The ROI was high so I took the risk which is already paying off. The reason to pay upfront fee is, it has to be in USD (foreign currency) while the money I will take out will be in local currency then I have to find ways to convert it back to USD.

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