Complicated situation, need advice about a move abroad & leaving behind US Debt.

[BigJohn]

Her husband plans on returning to the US at least once a year. I returned generally every 6 months. When he is in the US, he can file taxes and look at his mail. That is what I did. He can keep his low profile, reap the benefits that the SOL is stick ticking, and enjoy life.

As for his pension/disability or whatever it is check he gets, my Social Security went to one of my addresses where a human being actually existed. That person cashed the check and passed the funds onward to me. Never had a problem with that situation.

[CompTweaker]

You know John you seem to do a lot of stuff that drags others into your problems, I prefer to leave everyone else out so that way, I have control over it and two no one else can be a problem, cause a problem or get in trouble in any way.

Now that was out of line and completely uncalled for!!! Is this site called the bigboy2u-bkforum or bkforum? Why do you feel the need to always get so personal with people who post here? Thats the reason I have dialed into you boy! While you may be helpful in some posts on this forum, you have this ability to be very sharp tongued and personal with your responses! Why do you get so emotionally charged and "antagonistic", as you have admitted to in a previous thread? What exactly are YOUR issues since, obviously, you have them!!! Im sorry you werent taught (or you have forgotten it if you were) that there are lines that you shouldnt cross and that you dont know when to back up and back off with some of your comments!! Its getting beyond the point of absurd! You know, if its open season here on personally attacking people like you just did to John, then its on you, boy, when you start squalling like a little girl about anything that I just said!

[BigJohn]

Also its illegal for someone else to cash your checks unless you add them to a bank account to make the deposit for you. At this point you might as well do a direct deposit and avoid putting a "friend" in jail, because they are signing your name to the check.

You know John you seem to do a lot of stuff that drags others into your problems, I prefer to leave everyone else out so that way, I have control over it and two no one else can be a problem, cause a problem or get in trouble in any way. Having your mail forwarded by a place that does this is perfectly acceptable and not illegal in any manner, nor is a direct deposit.

I don't think you fully understand all the ins and outs of Social Security, especially Social Security disability. I have been collecting since 1994. My check is sent to a specific person and that person provides the funds to me when I need it. Nothing illegal and it was Social Security that suggested that things be done that way.

As for "You know John you seem to do a lot of stuff that drags others into your problems": the person wanted solutions and I know this method works, or at least it worked for me.

[BigJohn]

You see, I am not afraid to say it, John likes to claim he hides, has multiple address and things like that. Hell he even posts all these things. That is how he like to live his life.

BigBoy2U, all I can do is laugh. You truly do not know much about me. The period in which I avoided the creditors was from 1996 to about 2005. During that period I never was sued, never received a judgement and for part of that same time period,I had over $125,000 in a US bank. I also spend most of my time overseas.

As I have said before, the reason I posted this info is that it worked for me. It doesn't necessarry mean it will work for somebody else but it does let them know that such tactics can work.
I really don't believe there is only, and only one solution.

[BigJohn]

Well John, you left me absolutely clueless as to what you are talking about again and why, I guess I just don't understand the relevance to the topic, this thread or...well anything.

Your right I don't know much about you I only know what you have posted, so I am not sure what your laughing about. I only pointed out what you have posted on this forum and again here we go with more posting that has no relevance to the topic. Again giving advice to people to do certain things that may be questionable is not something I think is wrong to point out that it may not be a good option. Don't you think most people would agree that just because you claim it worked for you it may not be the best solution for them?

Telling someone to have someone else cash their checks and send them the money is whole lot different than someone who is REQUIRED by Social Security to have a Representative handle the money for them since they are incapable. Do you not agree?

Where did you draw that conclusion? I was asked, I wasn't told. It was my call.

LETS DROP the personal stuff and get back to the original thread.

[cyn5]

I came across an article about this skip-tracer guy who also helps people "disapear" from their debts. Here is his website (not a great web site, but has some possible good ideas if you are moving overseas). He does not promote doing anyting illegal. Looks like he has some sort of book coming out in March. www.frankahearn.com

There are also tons of expat forums/sites around that can give more info on how us citizens are living abroad. Don't know of anything specifically, but I am sure you can search expats living in the UK or something like that.

[Alsatian]

They have no incentive to change it over to an unsecured loan, they will rather repossess the truck and boat, sell it and sue your for a deficiency balance and then 1099 you. Then if you want to have them give you payment plans on the deficiency balance I am sure they would be more than happy to take your money every month to pay on the judgment, but if you get a 1099 your home free.

I mean lets be realistic here, what you don't understand if that financial intuitions have guidelines they work under. One a CU is not about to release interest and convert the remaining balance (unless its very little) to line of credit to someone who is moving abroad. Not only that, they have no way to collect it. They would rather get a judgment and write off the loss.

See you don't understand financial markets or lending, getting the money from you is nice, but its not the most important part once your a high risk. Moving you off the books and writing you off is the most important part if they are 90% sure you are a skip. Collecting from you costs money and writing you off saves money and allows them to loan more again. Plus the bigger the loss to write off the larger amount they can lend again (for the most part this is how it works) and the more money they can lose right now the more they can get in bailouts. See so collections and collectors and then judgments are part of the system. Many creditors don't want judgments, they want to write you off and never hear or see you again. They don't want your money in 10 years from now. Who wants to go back and redo a 1099C? They don't.

So am I to tell them I'm leaving the country? I guess I shouldn't tell them where exactly but from what I understand you wrote here is that I "should" tell them as they will see us as not worth chasing or costing too much and writing us off. Then by getting mail I can tell by my 1099 whether the debt has been written off or not.

I wonder how likely in this bad climate they would write off $7-10,000 on each debt (separate credit unions in separate states). I wouldn't know as I have never been in a situation like this. I guess that is the $$$$ question, one never knows what they will do hence the need to get mail. I understand the importance of getting mail now. Thanks

[CompTweaker]

Hmm, didnt you say you were ignoring me? Well, I guess only the posts where I have corrected you. Figures.

but the advice that John gives at times is not always the best advice

You should take a cue from this advice of yours.....hint, hint.

but I don't go on a rant threatening people.

WHAAAAAaaaaaa!! Somebody call the WHAAAAAMBULANCE!!!
So now the resident forum drama queen thinks that Im making threats against him? For the record, I have never threatened anyone, even you. Lol, man, I dont know which of my pm's are correct. The ones claiming you're drinking and on heavy meds, or the one saying you're missing your meds. I dont know. Either way, you need some serious professional help. Im just gonna say good luck to you and leave it at that.