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Tag Archives: india

Creditors Are Calling Me for My Son’s Money. – Alexis

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“Dear Steve, My son was working in Dubai. He had a bank debt (credit card and personal loan). He paid back some of the money. On health ground he had to leave Dubai without paying back the debt fully. Now he is in India. But some people makes calls to our home phone and mobile phone and asking us to ... Read More »

Will I Be Arrested When I Come to the U.S. For My Debt? – Vikrant

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“Dear Steve, Back in 2003, I was in the US for my Masters degree. In 2005, I completed my masters and got a job. All was going well and my credit score was well over 640. I lost my job and my H1B visa status. I had to leave for India due to job and visa issues. I have a ... Read More »

We’re Behind on Bills and Debt Collectors Are Threatening to Sue Us. – Krisstina

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Krisstina “Dear Steve, We’re behind on bills. My husband had to leave his former job when he worked as a delivery driver for a furniture company and his pay became almost non-existant for a few months until he could find another job. We were good enough to stay afloat for a while we were ahead of our mortgage payments and ... Read More »

I’m Getting Kicked Out of the U.S. on an H1B Visa and I Owe Money. What Should I Do? – Ravi

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Ravi “Dear Steve, I just lost my h1b visa (work visa) for US and now i have to leave US in next 3 weeks and go back to my home country India. I have a total 15000$ debt on my credit cards and a charge card from AMEX. as i am not in the position to pay my debt right ... Read More »

I’m Almost Drowned in Debts in India – Ram

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Ram “Dear Steve, This is Ram from India and i am almost drowned into the debts. My monthly earnings after my business and house expenses are Rs.25000(the max). I have debts to the extent of rs.30lacs of which rs.4lacs(against full surrender value of my insurance policies) and remaining rs.26lacs(in the form of overdrafts, personal loans and credit cards).I have nothing ... Read More »

I’m in India and Drowning in Debt and Looking for Debt Consolidation. – Rao

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Rao “Dear Steve, I live in India. I am working in a good limited company. My monthly income is Rs.15000/- permonth. I have 6 Credit cards total dues around Rs.2 Lakhs and Bank Loans of Rs.2 Lakhs (Principal). I some how managed to pay all the monthly payments without default till March 09. From next month I am not in ... Read More »

Collection Agent Trying Not to Use Violence

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A recent article in the Christian Science Monitor just exemplifies how different consumer debt rules are around the world. In some areas debt collectors can intimidate you and in other parts of the world they can come to your home and office and shame you, grab you or break in. The article is about debt problems in India and my ... Read More »

Expect Tidal Wave Of Limit Reductions and Credit Card Closures to Hit Before Christmas

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Yesterday I wrote about a little old hardware store that had noticed an increase in card purchases over cash. That’s not a good sign if people are using plastic more for routine things and especially in this environment of credit card issuers reducing credit limits, raising interest rates and closing cards. You see, the credit card issuers are getting freaked ... Read More »

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