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Is it possible to get out of paying your credit card bills by not paying until they take you to court and then making them prove you owe them? I’ve read that they show up unprepared and you can get your court case dropped if you do this.Now, what I did was rather unethical, but it worked well for me. Years ago, I had excellent credit, could get anything, literally, I wanted with just my signature. I always was punctual and paid up all my bills on time, and was having fun with my 5 credit cards. All with high credit limits. I had 2 high limit cards with BOA. I had no problems with them. Until THEY decide I had TOO MUCH credit with them. They decided to cancel the higher of the 2 and put the balance from it on the other, making it impossible to pay because of the high percentage interest rate now on the one card. I wasn't over limit, but close to it. When the next bill came, I refused to pay it, though it was my bill that I made, the interest on the balance was unfathomable. After 3 months of delinquency, and not using the card, the took me to court. Court sent me a letter of this with a slip I was to return to the court that was the "intend to defend". I didn't send it. They pretty much figured I wouldn't be there, but I showed on time. When defendants names were called by the Judge, I said "present" and everything got even more quiet. Judge looked at me, to the bailiff, back at me, to the page, then the attorney for BOA spoke up and said " I'll take this outside you're Honor". we left the courtroom to confer out of court. In another room he started talking to me calmly, "look, I know you don't plan on paying this bill, but you really need to make and effort". I then told him "your right, I don't plan on paying this bill, again". he asked me what I meant by again. I told him then that I was told he was already paid, that he got the money. And I had the paper to prove it. (where this paper came from was beyond me, I had no idea how I got it) he said show me, I never got the money. I pulled the sheet out and showed him. He sid it was a lie, he never got the money. I said I know, cause I didn't pay it. He told me to call his paralegal when I got home and set up a plan. I called, she asked me what I could afford to pay monthly. A long pause, ten said "can you do $25 dollars a month". I agreed and that's what I've been paying all these years. Along with the fact that I had already talked them into dropping $9,000 dollars off the bill and no accruing interest. After they screwed me over the way they did, it's gonna take them foreverto get what I still owe them at $25 dollars a month. Friend, all I really did was to throw a rock or 2 into their transmission gears and they didn't know what hit them. I did the exact same with CITI, same to the letter. After their attorney and I left the courtroom, we talked a bit and I let him know he'd hear from my attorney. I explained it all to my attorney and he called theirs. A 3 party conversation was begun, I told I will pay $200 dollars a month till paid off IF they would nock $9,00 off the price with no accruing interest. Their attorney said it would have to be a higher payment, I said no. $200. He said he'd contact them and get back to me. He called back, a 3 way call with my attorney included, and he said they agreed to my offer completely. It was set up to do so and I've had that CITI bill paid for over 2 years now. After their attorney left the call, my attorney said to me, what did you need me for? I just told him I wanted him on the line in case I screwed up in my wording. This ploy may or may not work for someone else, but it's worth a try. It worked for me, because I was a little slicker and confident than they expected. But it's done. You've just got to be confident and a bit pushy, not so pushy they won't deal with you though. And never get ignorant with their attorney. It can blow up in your face. But KNOW what your doing before you start, and KNOW you're right. Whether your are or not. Have paperwork to back up your claims. Court cases and law suits are rarely dropped, but some can go past the time limits and their forgiven because it's costing them more money than the case is worth to them. There is, at times, a statute of limitations you'll need to know that could be in your favor.
What are you banned from? Why?I’m banned from the United States of America.It happened in early May this year. I drove down from Toronto to Niagara Falls because I’ve never seen the big leak before, and while I was there, I thought I may as well pay a visit to the land of the free. I walked through Rainbow Bridge (there is a $.5 toll, quite like an exit fee from Canada), and arrived to the border station.I immediately noticed how itchy the Americans are. They thoroughly scrutinized and tapped down every pedestrian. Before me there was a group of three Canadian teenagers. It was pretty obvious that they are not al-Quaeda or Mexicans, also that they are just headed to Buffalo to have a good party, yet they questioned them for several minutes like there was an actual danger of them staying illegally and disrupting the precious national security of the U. S. of A.At my turn, I handed over my Hungarian passport, to which the border guard made a face like I casually dropped a hand grenade on his desk. Granted, we are a rare sight at the land border, but I still wasn’t from fucking Narnia. The guy suspiciously went through the pages, found that there is only one single stamp in it, the one which I got when I landed in Toronto, and there came the questions.“What is the purpose of your visit?”“I would simply like to take a look at the waterfall from the US side.”“Have you ever been to the US before?”“No, this is the first time.”“How long do you plan to stay?”“About an hour perhaps. As you see, I am here with just a camera and a credit card.”“Where do you live?”“I live in Hungary, Budapest.”“What were you doing in Canada?”“Visited a friend and looked at the big white north.”“Do you have a family?”“No, I am single.”“What do you work?”“I am a software engineer.”“What kind of software do you make?”“Currently I am building mobile applications.”“Who is your employer?”“I’m a freelancer.”The border guard shut my passport, looked at me suspiciously and said:“Sorry sir, you’re denied from entering the United States.”“Denied? Why?”“I am not satisfied that you’d leave the country after your visa expires.”“Why on earth would I stay?”“I don’t know sir, but you definitely lied to me. There is no such thing as a freelance engineer!”No amount of explanation cut it any more. I told him to look up “freelance software engineer” and he’ll find a plethora of agencies looking for them, or just take a look at the job section on Stack Overflow. He told me to follow him to a room where they took my mugshot and fingerprints like I were some criminal. I was told that if I want to try again, I will have to go to the US embassy, present my employment papers, evidence that I have strong roots in Hungary and they may lift the ban. I’ll also need a new passport.I was given some document stating that I am persona non grata and pointed out. When I walked back to the Canadian side, I told the border guard that I’ve been booted. She laughed. “You too? Welcome back then.”
How do I fill taxes online?you can file taxes online by using different online platforms. by using this online platform you can easily submit the income tax returns, optimize your taxes easily.Tachotax provides the most secure, easy and fast way of tax filing.
What advice would you give to a stepmother on how to handle a difficult biological mother?Obviously each case is different. In my case the biological mother was causing considerable financial difficulties. Before I married him he was very naive where his exwife and children were involved. She was married again but the husband controlled the finances so in order to have her own money she would tell my husband I didn’t get the child support check and he would fire off another one after checking and finding it had not been cashed. She did this on a regular basis and cash both checks. (He was very generous with the support). She would also convince his youngest son he was “sick” . Back then it was not unusual for drs to hospitalize you and “run test” then we would get horrendous bills. We had to pay what insurance didn’t. Then one day I got a letter at our home addressed to my husbands work. It had her return address on it so I wondered what the hell was going on so I opened it. Low and behold it was a form filled out telling the insurance office to make checks payable to her!!! I was furious!! No wonder we were being buried with medical bills she was getting the insurance payments not the provider. Not only that I knew from my stepson that he was also covered under her husbands insurance so I figured she was doing the same to them. Another thing she did was send a list of clothes he needed for school and expect us to get them while he was visiting.I offered to take him to goodwill. Sooooo first I went to the bank and asked what I could do about her holding checks. They told me I could fill out paperwork to have the bank not honor any check over 60 days. So I did, I notified her of the change and told her if she held a check too long it would not be honored and since we had met our obligation it would not be replaced!! Then I called my husbands job and filled them in and told them all insurance payments were to go directly to the provider not to her. She had been signing my husbands signature on the forms (she signed it exactly like my husbands signature) I also informed them she had other insurance on him. She even got her dentist to do work on her (personal friend) and bill us as though it had been done on his son. When he came for his normal visit I took him to our dentist and gave him a list of what they supposedly had done……surprise none of it had been done. I called the dentist and told him if we didn’t get a refund immediately I would report him. That he would have to get payment from her. Once we got the refund I reported him anyway!! After all that it was amazing how quickly my stepchildren’s biological mother was no longer difficult.So all I can say to you is figure out the areas she is difficult in and go from there. Good luck!!
How do I fill out the income tax for online job payment? Are there any special forms to fill it?I am answering to your question with the UNDERSTANDING that you are liableas per Income Tax Act 1961 of Republic of IndiaIf you have online source of Income as per agreement as an employer -employee, It will be treated SALARY income and you will file ITR 1 for FY 2017–18If you are rendering professional services outside India with an agreement as professional, in that case you need to prepare Financial Statements ie. Profit and loss Account and Balance sheet for FY 2017–18 , finalize your income and pay taxes accordingly, You will file ITR -3 for FY 2017–1831st Dec.2018 is last due date with minimum penalty, grab that opportunity and file income tax return as earliest
Can you share your experience as a homeless person?As many of you know, I was homeless when I was younger. Life on the streets is hard, harder than you can possibly imagine.The first night was terrifying. I knew I was going to die. I knew I was going to get stabbed by other homeless people for my boots and sleeping bag, and God forbid they discover I had £38 in cash, they would probably slit my throat for that. I was going to get AIDS and I was going to die. It was a certainty.The first time I came across a group of homeless people that night was when I tried to find a place to sleep in an abandoned building. One happened to see me trying to climb through a broken window and told me it was a bad idea. That's where the prostitutes took their punters, and where the local heroin dealers plied their trade. I had no idea about any of this stuff, so I was glad of the advice.The person who told me to stay away from that building told me he and a few other homeless guys had a place in the park nearby and I could come along if I wanted. I knew the park and knew it was open on all sides, so I could get away if anything went sideways, so figured I had nothing to lose.Those guys asked me what happened to make me homeless. I told them exactly what my landlord did. I think they took pity on me as they could see I was scared, and let me know what to expect. I discovered how to apply for council housing, where the nearest soup van was and how often it turned up. They told me where I could find food and some of the things they found useful to survive. They were really nice people, and that surprised me. I didn't feel threatened in their presence, but wasn't ready to stay with them.Let me tell you, that first night was petrifying. Every noise was a threat. Every shadow a murderer. It was the start of the coldest winter on UK record at that time and believe me, I felt every bit of it. I was alone in the world. I was cold and I was scared. I'm not ashamed to admit I cried my eyes out that night and didn't sleep a single second. It was the longest night of my life.Early the next morning I got out of my sleeping bag and packed it away. I had a steely determination to sort everything out. I had been told what to do, I was intelligent and I could figure this out. I wasn't going to to spend another night on the riverbank.Number one on my list was to get a council flat. All I had to do was visit the housing office, declare myself homeless and sign some forms. Surely they could understand that I was young, naïve and desperately vulnerable. It should be enough to get me to the top of the list, or at least into emergency accommodation. Well first I had to find the housing office. I never needed to go there before so I had no idea where it was. Luckily there is a council advice centre in the local shopping centre. I went there, made a quick enquiry and walked to the next town to start the process of getting myself somewhere else to live.I decided on my way there I was going to speak to the police after I had finished at the housing office. I knew they couldn't do anything about the illegal eviction as it was a civil matter, but they would be able to punish my landlord and his mate for threatening me with extreme violence if I didn't leave immediately.I got to the housing office around mid afternoon. It took me a while to find it as I hadn't really been to the next town over much before. Walking in, I took a ticket from the machine on the front desk and waited my turn. I was called up to a private booth within a few hours. I didn't mind the wait as I knew I would get some keys at the end of it.The housing officer asked me loads of questions and gave me stacks of forms to fill out. It took ages. Eventually I was called back to a booth where a different officer looked over everything. He asked me why I left my previous home. I gave him all the details. All he was interested in was that I had left voluntarily. If you make yourself intentionally homeless, regardless of the circumstance, you go straight to the bottom of the list. I tried to plead with him and told him exactly what my landlord said, and how he acted. This guy was huge. Six foot four of bad tempered agressive muscle. I was a 9.5 stone weakling. I am not exaggerating when I say that one punch from this man could easily have killed me. The housing officer didn't care about that. All he kept telling me was that what I was alleging to have happened was illegal and landlords can't evict people without notice, so obviously I had done something wrong to warrant it. I hadn't. I rarely ever spoke to my landlord, and had been paying my rent in full, on time every month. I had never been so much as a day late.I asked to speak to another housing officer as I knew I wasn't getting anywhere with this one. A woman came and sat in front of me and asked me all the same questions, but seemed more willing to listen to me. She said there were other criteria for immediate assistance I might meet so reeled off a few more questions. Was I a drug addict seeking rehab? No. Was I dependent on alcohol? No. Was I disabled or mentally ill? No. Was I an ex offender? No. I didn't fit any profile which mattered. The council had discharged their duty of care by adding me to the waiting list and there was nothing else I could do.Dejected, but more determined than ever to get revenge on my landlord for what he did, I went to the police station next. I told a constable what has transpired and that I wanted to press charges. He didn't care either. The threats, whilst illegal, came down to his word against mine. He was a successful landlord who had evicted me for some reason, I was a homeless guy with a grudge. It was obvious the police were not taking my side and I was wasting my time.I went back to the riverbank.The next morning I met up with the guys from the park. I told them what had happened and they said they weren't surprised. I asked for some more advice. I don't remember what they told me, but I do remember it didn't help.I picked up a free newspaper from one of the stands in the town on my way back from the park to the riverbank. It mentioned that the winter shelter was reopening soon and gave it's address. I was there the day it opened but was already too late, all the rooms were gone. I went there every day for 2 weeks trying to get a room, and eventually got lucky. They had a zero tolerance policy towards drugs and one of the residents had been caught with syringes. He was being kicked out as I arrived. I took his room and stayed there for a week before I was evicted for some made up reason I don't remember.I went back to my friends in the park, but none of them believed I had gotten a room there as they were so difficult to get.A few weeks later, one of the big hospitals in my town closed down for a complete refurbishment. I saw it as a way to move off of the riverbank to somewhere inside. I scoped out the hospital and decided against trying to to sleep inside the main building as I could be found by the workmen and thrown off site. I looked at the external lab buildings but they were either being demolished or had big alarm boxes on the outside. Eventually, at the very far end of the site, I saw what was to become my home for the next several months. It was an abandoned brick shed. It was full to the ceiling with empty cardboard boxes, but best of all, the door could be secured from the inside. I had a roof over my head, it was dry and it was lockable. I made a tunnel through the boxes to the wall furthest from the door and made a little den. There was just enough room for me to sit up in one direction, and lie flat in another. If I was quiet, no one would know I was there.I needed to make it comfortable. I used several thick cardboard boxes to insulate me from the bare concrete base, and took a load of hospital bedding out of a skip on site one evening when the workers had gone home. Piled on top of the cardboard, it was quite comfortable. I already had a sleeping bag, so I slept on top of the sheets in that.That shed probably saved my life.I mentioned the soup kitchen van which came once or twice a week. Well sometimes it didn't come at all. I was already eating out of bins, but I needed that soup as it was the only warm food I could get. Eventually it's funding must have dried up as it stopped coming to altogether. I had also been careless in allowing myself to be seen taking food out of a bin at the back of a bakery, and the bin was locked away. That was the end of the food. I didn't eat for nearly 2 weeks.Something people don't tell you about real hunger is the pain. Being hungry hurts. Being hungry can make you hallucinate. You can die of hunger with a full meal in front of you as you are too weak to eat it. I came very close to starving to death.Someone told me the salvation army give out food, all you have to do is ask. I made my way to the nearest Sally army church and waited until the service was over before asking to see the vicar. He took me to the kitchen and filled a carrier bag with food. I was too dilerious to notice he had given me a frozen loaf of bread and a load of tins I couldn't open as I didn't have a can opener. What it did have was some fruit, a few slices of ham and some biscuits. That carrier bag of food lasted 3 weeks.I was having a conversation with one of the other homeless guys I knew and he told me that the council didn't just offer their own properties, they offered a service to private landlords too. This was later confirmed in a story in one of the free local newspapers, which also mentioned that the council didn't take all the properties offered, despite having a deficit, as they didn't consider some of the accomodation to be suitable. I suddenly had a new mission.I started waking up early, so I could make my way to the housing office and be first in line every day. I stayed there all day,every day for several weeks until I had a lucky break. A middle aged lady came in and I heard her say to the person on the front desk she had some bedsits to offer. They ended up not being suitable, but while she was waiting I struck up a conversation with her. I told her why I was there and what happened to make me homeless. I persuaded her to give me a chance and we filled out the housing benefit forms there and then. She gave me a lift to her bedsits and showed me inside.As I now had an address, on the way to the bedsits we stopped at the benefits agency so I could register for income support. It would be a few days until I received my first payment.As I had not taken off my clothes in many months, I was desperate for a bath. I had to wait a few days as there was no way I was putting my dirty clothes on again. I slept on the floor as I didn't want to get the bed dirty.Once my first payment arrived, I went shopping. I bought fresh socks and pants, a new pair of jeans and a new t-shirt. I also bought the cheapest shampoo and toothpaste they had. I went home, sat in that bath for hours and fell asleep in a warm, comfortable bed for the first time in months. The next morning I put on my fresh clothes and haven't looked back since.
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How much did 911 cost?The plot that toppled the World Trade Center towers and damaged the Pentagon cost al-Qaeda less than half a million dollars to pull off, according the 9/11 Commission report. The property damages alone cost about $100 billion, and estimates of the total economic damage inflicted by the attack range up to $2 trillion.
How much money did the widows of 9/11 receive?Feinberg awarded each family an average of $1.7 million. All told, a fireman's widow would probably receive between $2 million and $3 million, sometimes more, much of it tax-free, plus their husband's salary, also tax-free, for the rest of their lives, as well as any life insurance they'd purchased.
How much money did the 911 victims families receive?The fund received 7,408 claim submissions from 75 countries. Awards were made in 5,560 of those cases and totaled over $7 billion. Since its re-opening in 2011, the VCF has received 51,288 total eligibility claims. Of that, 24,404 eligibility claims have been approved and 15,423 are still processing.
What does the 9/11 victims compensation fund pay for?The September 11th Victim Compensation Fund (VCF) was created by an Act of Congress, the Air Transportation Safety and System Stabilization Act (49 USC 40101), shortly after 9/11 to compensate the victims of the attack (or their families) in exchange for their agreement not to sue the airline corporations involved.
How much did each victim receive through the VCF fund?The fund received 7,408 claim submissions from 75 countries. Awards were made in 5,560 of those cases and totaled over $7 billion. Since its re-opening in 2011, the VCF has received 51,288 total eligibility claims. Of that, 24,404 eligibility claims have been approved and 15,423 are still processing.