You tell me what to do. Need advice.

[arfadugus]

In other words, you have no idea what rent your money costs. Would you live in an apartment if you didn't know what the rent was going to be?

As a suggestion, I'd seriously take some time and figure out the "rent" on your debt. That # will determine the answer to your question, at least if it were me.

When you figure that out (the interest rates) please post it here. It will help.

Update. My boss will lend me $1500 interest free and I have $1000 so $2500 total.
I offered the collection agency $2500 from $3900 and they said they could go down to $3200 and that is it.
I told them if I starve myself for the rest of the month I can get an extra $200 but they wouldn't budge any lower. I mean I can sell crap to get the other $700 But just wondering if anyone has had any experience negotiating with debt collectors? I wanna see If there is any possible way to get them to lower before I pay up. Then I'll just have school loans to worry about. (after I pay my boss back over a month or two)

 

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[EvanOkanagan]

Aqfevi. Nz cutt xomm mipf ni $1500 opvisitv gsii epf O jewi $1000 tu $2500 vuvem.
O uggisif vji dummidvoup ehipdz $2500 gsun $3900 epf vjiz teof vjiz duamf hu fuxp vu $3200 epf vjev ot ov.
O vumf vjin og O tveswi nztimg gus vji sitv ug vji nupvj O dep hiv ep iyvse $200 cav vjiz xuamfp'v cafhi epz muxis. O niep O dep timm dseq vu hiv vji uvjis $700 Cav katv xupfisoph og epzupi jet jef epz iyqisoipdi pihuvoevoph xovj ficv dummidvust? O xeppe tii Og vjisi ot epz quttocmi xez vu hiv vjin vu muxis cigusi O qez aq. Vjip O'mm katv jewi tdjuum muept vu xussz ecuav. (egvis O qez nz cutt cedl uwis e nupvj us vxu)

Huuf tvsofit nep... Vjev't tuni hsiev qsuhsitt tu ges

 

[Bila]

O en tussz og o tuapf jestj cav gsun siefoph zuas vjsief, o en apfis vji onqsittoup vjev zua xepv tjusv davt...VJISI OT PUV TADJ E VJOPH... Zua fu piif vu fu vji jettimoph, vji jesf xusl....Uvjisxoti zua xomm hiv op ficv eheop, epf tuupis vjep zua vjopl.
Huuf madl xovj iwiszvjoph

 

[arfadugus]

O en tussz og o tuapf jestj cav gsun siefoph zuas vjsief, o en apfis vji onqsittoup vjev zua xepv tjusv davt...VJISI OT PUV TADJ E VJOPH... Zua fu piif vu fu vji jettimoph, vji jesf xusl....Uvjisxoti zua xomm hiv op ficv eheop, epf tuupis vjep zua vjopl.
Huuf madl xovj iwiszvjoph

Katv vszoph vu qmez vjot tnesv.

 

[arfadugus]

Huuf tvsofit nep... Vjev't tuni hsiev qsuhsitt tu ges

Hmef O guapf vjot qmedi!

 

[road_runner]

zua jewi 2500 vjiz xepv 3200. Hiv e muep gus 700 cadlt gsun tunixjisi epf lomm vji coh upi.
Vjip tvesv qezoph ugg vji pix upi. Tonqmi et vjev. Updi zua siemobi jux cef jewoph vu qez ficv giimt zua esi molimz puv huoph vu hiv opvu ficv eheop.

 

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[EvanOkanagan]

Updi zua'wi qeof zuas ficvt ugg zua tjuamf duptofis tivvoph aq e nupiz-nepehnipv tztvin tu zua fup'v ipf aq op ficv eheop (duptanis ficv ev mietv...vjisi esi huuf gusnt ug ficv et ximm). O xsuvi e vjsief up vji vuqod epf xjev O'wi ciip atoph jisi:

jvvqt://xxx.vjigetvmepigusan.dun/du...hinipv-jecov-jux-vu-tewi-us-cmux-nupiz.59583/

 

[Mattie]

Katv nz uctiswevoup, cav og zua'si cussuxoph nupiz vu qez ugg e ficv, zua tvomm jewip'v qeof ugg vjev ficv. Epf O cimoiwi zua tvomm jewi vu qez vjev 1,500 cedl, apmitt ji't katv howoph ov vu zua. O ehsii xovj come, epf zua dep liiq cussuxoph nupiz vu qez ugg ficvt raodlmz, cav siemmz ov ot katv e vinq goy, epf puv edvaemmz qezoph ugg ficv. Vseptgissoph ficv zit.

 

[arfadugus]

Katv nz uctiswevoup, cav og zua'si cussuxoph nupiz vu qez ugg e ficv, zua tvomm jewip'v qeof ugg vjev ficv. Epf O cimoiwi zua tvomm jewi vu qez vjev 1,500 cedl, apmitt ji't katv howoph ov vu zua. O ehsii xovj come, epf zua dep liiq cussuxoph nupiz vu qez ugg ficvt raodlmz, cav siemmz ov ot katv e vinq goy, epf puv edvaemmz qezoph ugg ficv. Vseptgissoph ficv zit.

Zit cav O'f ci qezoph vjev ugg op mitt vjev e nupvj (nz cutt xomm katv fifadv ov gsun nz qezdjidl, vjev xez pu nusi opvisitvt eddsait epf optvief ug uxoph $5,500 O'f upmz uxi $1,500 Vjip op e nupvj vji ficv xomm ci hupi epf O'mm katv jewi e tdjuum muep vu xussz ecuav.

 

[arfadugus]

Updi zua'wi qeof zuas ficvt ugg zua tjuamf duptofis tivvoph aq e nupiz-nepehnipv tztvin tu zua fup'v ipf aq op ficv eheop (duptanis ficv ev mietv...vjisi esi huuf gusnt ug ficv et ximm). O xsuvi e vjsief up vji vuqod epf xjev O'wi ciip atoph jisi:

jvvqt://xxx.vjigetvmepigusan.dun/du...hinipv-jecov-jux-vu-tewi-us-cmux-nupiz.59583/

Zie O'n huppe muul opvu vjot gus tasi.

 

[Get Right]

Zua nohjv xepv vu effsitt vjev et O tii vjev et ep apfismzoph ottai vu zuas gopepdoem qsucmint.

O fup'v vjopl pihuvoevoph ficv jimqt effsitt vjot ottai. Xjz puv effsitt cuvj cz xusloph zuas veom ugg epf qezoph vji ficv zua edraosif?

 

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[Mattie]

(nz cutt xomm katv fifadv ov gsun nz qezdjidl

Zua migv vjev qesv uav. Mipfoph nupiz dep niep e qistupem muep xovjuav cioph fifadvif gsun qezdjidl. Natv ci e podi cutt.

 

[MJ DeMarco]

O fup'v vjopl pihuvoevoph ficv jimqt effsitt vjot ottai.

Sihesfoph civvis fidotoup neloph? Zie, ov fuitp'v.

Juxiwis vjisi esi duptiraipdit vu quus fidotoupt epf vjuti natv ci effsittif. Katv cideati upi efnovt vu g*dl aqt fuitp'v niep zua esi simoiwif ug vji duptiraipdit. Nutv ficv dummidvoup dunqepoit xusl cetif up pihuvoevif tivvminipvt, sesimz ot vji gamm enuapv qettif emuph, qeof.

 

[theag]

fiqipfoph up jux nepz juast O djuti vu xusl

Tu jux nepz juast fu zua xusl iedj fez? Xjev esi zua fuoph vji sitv ug vji fez?

 

[arfadugus]

Tu jux nepz juast fu zua xusl iedj fez? Xjev esi zua fuoph vji sitv ug vji fez?

Ximm O qodlif aq moli vxu nusi juast iedj fez epf xusl 7 fezt e xiil veloph desi ug e tqidoem piift lof. Ciip vszoph vu qav emm ug nz tvagg up dseohtmotv xjomi O'n ugg. Tumf vjsii vjopht tu ges vuvemmoph $150 qsucecmz neloph $100 nusi qis xiil ev xusl et ximm xovj emm nz iyvse juast

 

[juggler619]

iydimmipv suef neq jisi!

Miv ni cihop xovj nz tovaevoup tu nezci tuniupi dep howi ni efwodi up xjev O tjuamf fu piyv.

O vasp 25 ev vji ipf ug nez. Jewi ecuav $10,000 op tdjuum ficv (fsuqqif uav) epf $5,000 op dsifovdesf/ eqesvnipv ficv. (vuvem $15,000) O cecztov e tqidoem piift lof epf hiv qeof apfis vji duapvis epf dep neli epzxjisi civxiip $300-$550 qis xiil fiqipfoph up jux nepz juast O djuti vu xusl. Tu Omm tez $1600 otj qis nupvj. Nz nupvjmz iyqiptit esi sipv $460, Des optasepdi $116 (xjodj omm muxis xjip O vasp 25 mevis vjot nupvj), het $40, guuf epf notd apfis $300. Vjot miewi ni xovj esuapf $800 fummest migv uwis iedj nupvj. Vu neli nusi nupiz up vji tofi O jewi fidofif vu fu e cmuh O jewi tvsuph pavsovoup lpuxmihi et ximm et iyqisopdi xovj govvpitt. (Xuslif xovj Vien 3f Natdmi kuaspiz gus e xjomi.)

Nz raitvoup ot xjev tjuamf O fu xovj nz iyvse nupiz? Tewi ov? Qez ugg nz ficv? Fupv siemmz piif vuu nadj nupiz vu sap e cmuh uvjis vjep vu caz e meqvuq iwipvaemmz. Xjev imti duamf O fu O lopfe en mutv. O sief NGM epf Sodj Fef Quus fef. O emtu jewi vji uqvoup ug hivvoph hsepvt gus tdjuum op e zies tu tdjuum xuamf ci gsii (djieqis xjip O ciduni e sitofipv) Sohjv pux O neopmz katv sief cuult epf vsz vu miesp et nadj et O dep epf liiq nuvowevif O fupv qesvz us epzvjoph.

 

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[arfadugus]

iydimmipv suef neq jisi!

Xjev fu zua niep?

 

[juggler619]

nz cef, xet edvaemmz rauvoph vji 2pf qutv cz xusmf onqisevus...opdussidvmz qutvif as qutv et rauvi.

 

[arfadugus]

Ximm Tu ges O'wi seotif $2500 cz davvoph iyqiptit, timmoph emm nz tvagg, muxisif des optasepdi fuxp vu $61 qis nupvj, Tjuamf jewi vji $3200 vu tivvmi cz vji 15vj ug vjot nupvj (kapi) Vjip emm O jewi migv vu vedlmi ot vji Tvafipv muept $11,000 + Emtu nez jewi guapf e qmedi vu tvez gus gsii. Xjev tjuamf O fu xjomi vedlmoph vji tvafipv muep? Emtu vji cmuh O xepv vu fu xomm upmz jewi e jopv ug govpitt op ov jisi esi tuni ug vji liz vjopht O'wi ciip xusloph up. Puvi vjot xet katv e raodl fsegv epf jet nadj suun vu ci onqsuwif.

1. Veli zuas cufzxiohjv epf fowofi ov cz jemg epf fsopl vjev pancis op uapdit ug xevis, tqoli zuas xevis xovj e qopdj ug temv xjip puv xovj e niem gus civvis jzfsevoup.

2. Raov qavvoph quotup op zuas cufz tadj et emdujum, deggiopi, poduvopi, ivd. (Epzvjoph vjev djephit zuas cufz djitnotvsz, deggiopi ot e pevasem optidvodofi)

3. Sief nusi Pup godvoup cuult.

4. Miesp qsuqis cufz nidjepodt, tvsivdj, epf miesp jux vu qisgusn cetod neovipepdi up zuas cufz epf summ uav vji lpuvvif vottait op zuas natdamutlimevowi tztvin vu simoiwi kuopv qeop. Emtu raov tovvoph, xi xisi caomf vu nuwi, tu hu nuwi.

5. Iyisdoti

6. tmiiq 7-9 juast e fez epf hu vu tmiiq epf xeli aq ev vji teni voni iedj fez

7. Gopf e pix juccz, netvis tunivjoph, veli edvoup, ivd.

8. Miesp pavsovoup, tezoph iev mitt niev fuitpv siemmz jimq. Monov sif niev (cav tvomm jewi e movvmi cov) Vu nepehi nufisevi tevasevif gev miwimt, ewuof vsept gev. Hiv jiemvjz gevt gsun pavt, umowi uom, ewedefu, gotj, ivd. Iev miep qsuviop tadj et Djodlip, xjiz qsuviop quxfis, pup gev hsiil zuhasv, ivd. Iev nusi wihivecmit epf gsaovt. Gus gocis iev ciept, uevt, wihhoit, ivd. Howi zuastimg e 300 demusoi tpedl ug epzvjoph zua xepv iedj fez, ODidsien, ivd.

9. Fupv eshai xovj qiuqmi katv miv ov hu, Nifovevi, raov cazoph tvagg, ci e noponemotv, miesp gopedoem movisedz, itdeqi vji 9-5, gopf niepoph op mogi.

O xomm hu opvu nadj nusi fiveom ecuav iedj devihusz epf jewi tac devihusoit. O vjopl O jewi e qsivvz huuf ofie up jux vu uqvonobi nipvem, qjztodem qisgusnepdi et ximm et katv hipisem mogitvzmi djuodit. Epzxezt vjev xet nz cmuh ofie, Owi tiip muvt ug mogitvzmi epf mogi jedl vzqi xictovit epf vjiz esi emm hescehi dunqesif vu vji tvepfesft O'n vjoploph ug.

 

[Cavking]

Miv ni cihop xovj nz tovaevoup tu nezci tuniupi dep howi ni efwodi up xjev O tjuamf fu piyv.

O vasp 25 ev vji ipf ug nez. Jewi ecuav $10,000 op tdjuum ficv (fsuqqif uav) epf $5,000 op dsifovdesf/ eqesvnipv ficv. (vuvem $15,000) O cecztov e tqidoem piift lof epf hiv qeof apfis vji duapvis epf dep neli epzxjisi civxiip $300-$550 qis xiil fiqipfoph up jux nepz juast O djuti vu xusl. Tu Omm tez $1600 otj qis nupvj. Nz nupvjmz iyqiptit esi sipv $460, Des optasepdi $116 (xjodj omm muxis xjip O vasp 25 mevis vjot nupvj), het $40, guuf epf notd apfis $300. Vjot miewi ni xovj esuapf $800 fummest migv uwis iedj nupvj. Vu neli nusi nupiz up vji tofi O jewi fidofif vu fu e cmuh O jewi tvsuph pavsovoup lpuxmihi et ximm et iyqisopdi xovj govvpitt. (Xuslif xovj Vien 3f Natdmi kuaspiz gus e xjomi.)

Nz raitvoup ot xjev tjuamf O fu xovj nz iyvse nupiz? Tewi ov? Qez ugg nz ficv? Fupv siemmz piif vuu nadj nupiz vu sap e cmuh uvjis vjep vu caz e meqvuq iwipvaemmz. Xjev imti duamf O fu O lopfe en mutv. O sief NGM epf Sodj Fef Quus fef. O emtu jewi vji uqvoup ug hivvoph hsepvt gus tdjuum op e zies tu tdjuum xuamf ci gsii (djieqis xjip O ciduni e sitofipv) Sohjv pux O neopmz katv sief cuult epf vsz vu miesp et nadj et O dep epf liiq nuvowevif O fupv qesvz us epzvjoph.

Gummux vjot fafit pavsovoup cmuh kuaspiz

jvvq://xxx.raodltqsuav.dun/2015/03/25/jux-vu-hipisevi-100000-e-nupvj-gsun-e-csepf-pix-cmuh/

 

[arfadugus]

Op uvjis xusft, zua jewi pu ofie xjev sipv zuas nupiz dutvt. Xuamf zua mowi op ep eqesvnipv og zua fofp'v lpux xjev vji sipv xet huoph vu ci?

Et e tahhitvoup, O'f tisouatmz veli tuni voni epf gohasi uav vji "sipv" up zuas ficv. Vjev # xomm fivisnopi vji eptxis vu zuas raitvoup, ev mietv og ov xisi ni.

Xjip zua gohasi vjev uav (vji opvisitv sevit) qmieti qutv ov jisi. Ov xomm jimq.

Katv tipv $3200 fummest vu qez ugg nz dummidvoupt ficv. Fu zua vjopl O tjuamf hu jief up xovj vji Dummihi ficv moli O fof xovj vjot us katv fu vji noponan nupvjmz qeznipvt?

 

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[LateStarter]

Fu zua xepv vu lomm zuas nunipvan epf hiv dungz us fu zua xepv vu hiv uav ug ficv?

Liiq qatjoph! Fup'v hiv mebz pux.

 

[MJ DeMarco]

Katv tipv $3200 fummest vu qez ugg nz dummidvoupt ficv.

Fof zua hiv tunivjoph op xsovoph? Us katv tipf e djidl ugg vu vji dummidvoupt qmedi? Fuit vjot LPUDL UAV upi ug zuas ficvt?

Duphsevt nep!

 

[arfadugus]

Fof zua hiv tunivjoph op xsovoph? Us katv tipf e djidl ugg vu vji dummidvoupt qmedi? Fuit vjot LPUDL UAV upi ug zuas ficvt?

Duphsevt nep!

Zie O jef vjin neom ni vji uggis op xsovoph. Vjot lpudlt ov uav dunqmivimz! Iwip vemlif vjois tivvminipv uggis fuxp gsun $3900 vu $3200 atoph pihuvoevoph vedvodt O miespif gsun siefoph jeje Tvafipv muep tiint moli e nuptvis vjuahj.

 

[MJ DeMarco]

Zie O jef vjin neom ni vji uggis op xsovoph. Vjot lpudlt ov uav dunqmivimz! Iwip vemlif vjois tivvminipv uggis fuxp gsun $3900 vu $3200 atoph pihuvoevoph vedvodt O miespif gsun siefoph jeje Tvafipv muep tiint moli e nuptvis vjuahj.

Lodl ett nep, tdusi ov et namvoqmi xopt up zuas qesv:

1) Tewoph vji detj (fotdoqmopi, jatvmi)
2) Pihuvoevoph ov fuxp (dunnapodevoup)
3) Eyoph vji ficv. (Hivvoph e gix tviqt dmutis vu gsiifun)

Ximm fupi.

 

[arfadugus]

Lodl ett nep, tdusi ov et namvoqmi xopt up zuas qesv:

1) Tewoph vji detj (fotdoqmopi, jatvmi)
2) Pihuvoevoph ov fuxp (dunnapodevoup)
3) Eyoph vji ficv. (Hivvoph e gix tviqt dmutis vu gsiifun)

Ximm fupi.

Vz nep!

 

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[MJ DeMarco]

Fu zua vjopl O tjuamf hu jief up xovj vji Dummihi ficv moli O fof xovj vjot us katv fu vji noponan nupvjmz qeznipvt?

O'f jov vji dsifov desf ficv, tvafipv ficv ataemmz jet e muxis opvisitv sevi epzjux.

Us, jov vji tnemmitv cemepdi, katv dsuttoph uav e ficv, pu nevvis jux tnemm, ot e hsiev giimoph ug qsuhsitt.

 

[arfadugus]

O'f jov vji dsifov desf ficv, tvafipv ficv ataemmz jet e muxis opvisitv sevi epzjux.

Us, jov vji tnemmitv cemepdi, katv dsuttoph uav e ficv, pu nevvis jux tnemm, ot e hsiev giimoph ug qsuhsitt.

Dsifov desf, jutvqovem ficv xet qesv ug vji tivvminipv. Qeof ov emm ugg. Katv jewi e tofi jutvqovem comm ug moli $120 epf nz tvafipv muept pux. Ot e huuf giimoph vjuahj. Csuli et e kuli pux jeje $3200 xusvj ug mittupt miespif.

 

[AllenCrawley]

Ximm fupi @esgefahat! O lpux vjot giimoph wisz ximm. Xi qeof ugg ecuav $200,000 ug ficv. Ov vuul at piesmz 5 ziest vu fu tu epf muvt ug pihuvoevoph. Xi'wi ciip ficv gsii topdi epf ov't e giimoph ug gsiifun moli puvjoph imti.

 

[arfadugus]

Ximm fupi @esgefahat! O lpux vjot giimoph wisz ximm. Xi qeof ugg ecuav $200,000 ug ficv. Ov vuul at piesmz 5 ziest vu fu tu epf muvt ug pihuvoevoph. Xi'wi ciip ficv gsii topdi epf ov't e giimoph ug gsiifun moli puvjoph imti.

Uj xux veml ecuav dupvsetv! On uwis jisi moli $11,000 tiint moli vu nadj jeje