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date: Sat, 5 Jul 2008 19:55:59 -0600,    group: uk.legal        back       
Re: How to pay off long-time old debt ?   
"Planet"  wrote in message 
news:738194e8-3ddf-4ad4-9d6d-0415fb0f6afd@r66g2000hsg.googlegroups.com...
> My friend worked in US under H1B till 2002 and he left the country
> without paying off his debt at that time (he was laid off due to bad
> economy), the total amount he owed at that time was about 25,000USD
> (including credit card, store card, remaining car loan and his last 2
> months rental etc.)... He is now planing to go back to US again with
> H1B, questions are:
>
> 1. Will these uncleaned debt (he never took care of them after he left
> the US and guess those creditors were looking for him but in vain)
> affect his new H1B application?

No.

>
> 2. Is there any way he can check any outstanding court orders (or even
> arrest warrants due to debt)

In Amerikkka, unpaid debt is no a crime.

> against him before he physically land in
> the US again? he doesn't want to be detained without any preparation
> due to those debt things.

He can't be arrested simply for owing, or defaulting upon, debt.

>
> 3. If he want to pay it off, how much nornally he need to pay for the
> 25K debt in 2002, cus some of the debt were credit card loans which is
> supposed to be 18-24% annual interest, will all these interest charge
> accumulate during the period he disappear fromt the US?

Yes.

> any standard
> fair rules to calculate the pay-off amount he need to be responsible
> for?

Whatever the contract(s) he agreed to at the time.


He could simply file for bankruptcy, or wait until 7 years have passed since
the last activity on the accounts, at which time the debts fall beyond the
statute of limitations for collection in many jurisdictions.
date: Sat, 5 Jul 2008 19:55:59 -0600   author:   Reality_Check?

Re: How to pay off long-time old debt ?   
"Planet"  wrote in message 
news:d542d8ac-4422-4799-93fb-396d6ab8982a@27g2000hsf.googlegroups.com...
On Jul 5, 9:55 pm, "Reality_Check©"  wrote:
> "Planet"  wrote in message
>
> news:738194e8-3ddf-4ad4-9d6d-0415fb0f6afd@r66g2000hsg.googlegroups.com...
>
> > My friend worked in US under H1B till 2002 and he left the country
> > without paying off his debt at that time (he was laid off due to bad
> > economy), the total amount he owed at that time was about 25,000USD
> > (including credit card, store card, remaining car loan and his last 2
> > months rental etc.)... He is now planing to go back to US again with
> > H1B, questions are:
>
> > 1. Will these uncleaned debt (he never took care of them after he left
> > the US and guess those creditors were looking for him but in vain)
> > affect his new H1B application?
>
> No.
>
>
>
> > 2. Is there any way he can check any outstanding court orders (or even
> > arrest warrants due to debt)
>
> In Amerikkka, unpaid debt is no a crime.
>
> > against him before he physically land in
> > the US again? he doesn't want to be detained without any preparation
> > due to those debt things.
>
> He can't be arrested simply for owing, or defaulting upon, debt.
>
>
>
> > 3. If he want to pay it off, how much nornally he need to pay for the
> > 25K debt in 2002, cus some of the debt were credit card loans which is
> > supposed to be 18-24% annual interest, will all these interest charge
> > accumulate during the period he disappear fromt the US?
>
> Yes.
>
> > any standard
> > fair rules to calculate the pay-off amount he need to be responsible
> > for?
>
> Whatever the contract(s) he agreed to at the time.
>
> He could simply file for bankruptcy, or wait until 7 years have passed 
> since
> the last activity on the accounts, at which time the debts fall beyond the
> statute of limitations for collection in many jurisdictions.

thanks for the reply. any good background check resource (preferrably
online resource) that he can use to check if any outstanding issues
against him?
======

None that would show Criminal Wants and Warrants. Only Law Enforcement
officers can obtain that data.

"background check" companies are nearly 100% frauds and rip-offs, simply
charging for  incomplete, inaccurate publicly obtainable free information.

He can obtain his own Credit Report online from the credit
bureaus Experian, Equifax and/or TransUnion to see what defaults
have been entered against him.
date: Sun, 6 Jul 2008 14:21:46 -0600   author:   Reality_Check?

Re: How to pay off long-time old debt ?   
"Kelly Bert Manning"  wrote in message 
news:g4rab6$hrq$1@theodyn.ncf.ca...
> "Reality_Check©" (Reality@Check.it) writes:
>>
>> None that would show Criminal Wants and Warrants. Only Law Enforcement
>> officers can obtain that data.
>
> But private companies and citizens can pay the police to perform a 
> Criminal
> Record check, with the individual's consent.

Not for active Wants and Warrants, only for historical arrests/convictions.

> Happens all the time with
> professionals, Boy Scout/Girl Guide leaders and pre-school staff or
> volunteers.

You'll find out about any active Wants and Warrants when you go
to pick up your Police generated "background check" ... much to
your surprise.

>>
>> "background check" companies are nearly 100% frauds and rip-offs, simply
>> charging for  incomplete, inaccurate publicly obtainable free 
>> information.
>>
>> He can obtain his own Credit Report online from the credit
>> bureaus Experian, Equifax and/or TransUnion to see what defaults
>> have been entered against him.
date: Sun, 6 Jul 2008 16:36:13 -0600   author:   Reality_Check?

Re: How to pay off long-time old debt ?   
"Reality_Check©"  wrote in message 
news:6dan1iF1m2d4U1@mid.individual.net...
>
> "Planet"  wrote in message 
> news:738194e8-3ddf-4ad4-9d6d-0415fb0f6afd@r66g2000hsg.googlegroups.com...
>> My friend worked in US under H1B till 2002 and he left the country
>> without paying off his debt at that time (he was laid off due to bad
>> economy), the total amount he owed at that time was about 25,000USD
>> (including credit card, store card, remaining car loan and his last 2
>> months rental etc.)... He is now planing to go back to US again with
>> H1B, questions are:
>>
>> 1. Will these uncleaned debt (he never took care of them after he left
>> the US and guess those creditors were looking for him but in vain)
>> affect his new H1B application?
>
> No.
>
>>
>> 2. Is there any way he can check any outstanding court orders (or even
>> arrest warrants due to debt)
>
> In Amerikkka, unpaid debt is no a crime.

No, but in most states defrauding banks by running up big debts and skipping 
is.
date: Mon, 7 Jul 2008 01:06:13 +0100   author:   R. Mark Clayton

Re: How to pay off long-time old debt ?   
"R. Mark Clayton"  wrote in message 
news:J4udne16e8NPwOzVRVnyuAA@bt.com...
>
> "Reality_Check©"  wrote in message 
> news:6dan1iF1m2d4U1@mid.individual.net...
>>
>> "Planet"  wrote in message 
>> news:738194e8-3ddf-4ad4-9d6d-0415fb0f6afd@r66g2000hsg.googlegroups.com...
>>> My friend worked in US under H1B till 2002 and he left the country
>>> without paying off his debt at that time (he was laid off due to bad
>>> economy), the total amount he owed at that time was about 25,000USD
>>> (including credit card, store card, remaining car loan and his last 2
>>> months rental etc.)... He is now planing to go back to US again with
>>> H1B, questions are:
>>>
>>> 1. Will these uncleaned debt (he never took care of them after he left
>>> the US and guess those creditors were looking for him but in vain)
>>> affect his new H1B application?
>>
>> No.
>>
>>>
>>> 2. Is there any way he can check any outstanding court orders (or even
>>> arrest warrants due to debt)
>>
>> In Amerikkka, unpaid debt is no a crime.
>
> No, but in most states defrauding banks by running up big debts and 
> skipping is.

Running up "big debts" and "skipping" is not "fraud" per se.
date: Sun, 6 Jul 2008 21:07:52 -0600   author:   Reality_Check?

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