Chile Forum

Ok, is not that I'm not a good person but you know how is life sometimes, I have a couple of questions.

I'm leaving the country next year I'm trying to pay as much as I can but it will be not enouch, I think the total amount owner to different stores and credicars will be around 15K or 20K. plus I losed my house (foresclosure).

What will happen with that debit, can they follow me to Chile?

If I have to pay who approve the amount?

I work for an American company so is for sure that I have to came back every year, can be a problem in the airport?

Can I go to prison?

How this could affect my future flys to USA.

Do I should find and other job and never camback to USA?

My kids are gringos are they going to have any kind of problem?

Just in case my emigration estatus is on green card it just have been aproved and I have been living here for 5 years with working visa.


Guys I'm an honest person that is having a bad time and realy I do not know what is going to happen with that debt.

Thank you all.

Huincacara boy.

huincacara wrote:. . . . Guys[,] I'm an honest person that is having a bad time and realy I do not know what is going to happen with that debt. . . .

As an honest person, you must pay that debt: you received goods and services from others, and failure to pay for what you receive is a type of theft, a fraud. Try to work out payment plans with your creditors.

As for details of the effects of what you've done, you should consult an attorney in your state -- and pay him (or her)! As an honest person, you cannot take goods and services from others without paying for them.

RWS.
I hope you never fall under a dark situation like mine, I'm here asking for help, please help and keep sarcasm away, I'm honest but have dependens ( I may give all my kids to the goverment and pay my debt that is a good idea or I should put they to live in the street in Chile who care I paid my debt). You know what I should sell my organ and pay all my debt how care if I die I'm sure the banks and store will provide for my kid, Right RWS

Please. Positive feedfack and nor bully, I have enouch problem to feel dicriminate now.

I find RWS's comments both fair and reasonable.

I also find your comments sarcastic - give your children to foster care? It is done all the time in the United States and after working with children impacted and effected by it I don't find it funny.

If you are looking sympathy you won't find it with me.

Is there somebody who can help me to understand my situation.I will apreciate.

PD: even if I use 100% of my salary for the next months I'm not going to be able to make it. Is not that I'm not paying is I do not have enouch.

I will not get in to the whole moral right or wrong, because then we would have to dive fairly heavily also in to the predatory lending practices in the States. I will stick to the more localized and practical problem at hand, trying to find a solution to your problems.

The head of the missing persons department in Las Vegas in an interview once called what you are talking about doing, "the geographic solution" to peoples problems.

Sometimes it works, sometimes it does not.

Will Chile some how fix your problems? I doubt it, but sometimes a fresh start does help people sort out messes. I just don't think Chile is the place to try and do that completely. On the other hand, getting credit of any sort is almost impossible in Chile without having credit already, so it might at least keep you out of trouble.

more later

huincacara wrote:Ok, is not that I'm not a good person but you know how is life sometimes, I have a couple of questions.

I'm leaving the country next year I'm trying to pay as much as I can but it will be not enouch, I think the total amount owner to different stores and credicars will be around 15K or 20K. plus I losed my house (foresclosure).

What will happen with that debit, can they follow me to Chile?

If I have to pay who approve the amount?

I work for an American company so is for sure that I have to came back every year, can be a problem in the airport?

Can I go to prison?

How this could affect my future flys to USA.

Do I should find and other job and never camback to USA?

My kids are gringos are they going to have any kind of problem?

Just in case my emigration estatus is on green card it just have been aproved and I have been living here for 5 years with working visa.


Guys I'm an honest person that is having a bad time and realy I do not know what is going to happen with that debt.

Thank you all.

Huincacara boy.

Se hombre y confronta tu responsabilidad y si no lo haces, la deuda te seguirà hasta Chile, se te negará crédito y la compañia que te ha dado empleo cancelará tu contrato y perderás todo.¿Disfrutastes las cosas que comprastes y lo pasastes bién? Lo bailado y lo zapateado lo tienes que pagar quieras o nó.Sorry Charlie, that´s the way it is!!

Here is the practicality, you can likely default on most of your debts, but don't ever expect anyone to give you credit again in the States. The computer have long long memories. 20 years ago, records would drop out the system at around 5-7 years because storing them cost too much money. Now file storage is cheap. Everything on your credit record will stay there forever. Archaeologist will likely be reading your credit record a thousand years from now.

Even say Bankruptcy in the States, follows you around forever. I doubt anyone is going to put you in jail (as long as you have not committed a crime), and I doubt anyone would bar you from entering the States (assuming again no crime).

However, living in the States without credit is very very hard these days. It will also likely mean no one will hire you, as many employers run credit checks before hiring.

So, yea you could blow off your financial obligations. Many people in the States are likely in even worse position (e.g. the housing crisis); but, as my father would say, "no one can make you do anything, but they can sure as hell make you wish you had".

Having a hard month, or even years, to get it under control might be more than worth the effort if it is possible. You are only going to get one shot at it.

Thank for the one with positive feedback is much appreciate.

To the others I'm here to find unswer no to be call Hueco sinverguensa, I have enouch of that.

Things can change also.

Right now you would not have a problem reentering the USA on your green card if you previously ditched your debts there but tomorrow that can change.

Just a word of caution.

Well, I will avoid moral judgements also, companies fall in banckrupcy every day due diverse reasosn, bad management, change on business conditions etc, same as for people, I dont think that is so terrible sin not be able to pay the debts, there are other sins much worser, but I understand in anglo-saxon culture those things are taked very seriously.

On the specific question, in Chile you will have no debt and almost 100 percent sure neither credit, so try to bring some money and a good idea on how to make a living. If you was engaged in such big debts probably you have a fairly high standard of living expectancies, well here in Chile you will have to low it a lot.

If you are thinking to build a "bicycle" entering again in the debt cycle here, just forget it, here ipeople are VERY suspicious and is not easy to grab money from others, mostly because most of us are pretty poor.

Said that, if you look for a start from scratch here, if you have some money to bring a good idea to make a living, Chile is not a bad option, but I think that you may find bigger oportunities in Peru or Argentina who are better to make money fast with high risk, Chile is more for conservative people looking for stability.

Hope toen helpful, on the US situation I have no idea

huincacara wrote:Thank for the one with positive feedback is much appreciate.

To the others I'm here to find unswer no to be call Hueco sinverguensa, I have enouch of that.

Qué es lo que buscas? Compasion? Que piensas que te mandaremos dólares por correo para que pagues tu deuda?
Es una verguenza que vengas a este forum a pedir limosna!Podrias tener un poco más de dignidad y no hacerlo en un forum público.La ropa sucia se lava en casa.
Como chilena responsable, me has indignado al máximo, que cara dura!

Gloria.

Dejate de "Pintar" monos, te dio con atacar no te estoy pidiendo nada ni quiero nada (material) solo consejos.

Dejame tranquilo y anda a pinterle el mono a otro.


Supergirl.

Y qué consejo se te puede dar....solo uno........a pagar, no faltaba más! Si no aguantas el calor en la cocina, no te metas en ella!
Nadie se va a meter de voluntario para sacarte de tus problemas por falta de responsabilidad!

I will avoid moral judgements, and will remit myself to the facts:

15K or 20K is nothing by today's standards of american debt.

I am sure that if you call for a payment or installment agreement, you can pay that debt.

Your house is a loss, are you sure of that?

Is the house about to be foreclosured or is already foreclosured...

Your debts are not going to follow you to Chile.
Your experience , maybe.....

I don't understand about "who approve the amount".

There is no problems at the airport for debtors.

You work for an american companyand you have to come back every year..?????

You must be well paid to do that,in that case is hard to believe that you have ONLY 15K or 20K in debt,and you don't know how to solve this problem.

You don't go to prison for bad debts , unless you were trying to commit fraud .

"How this could affect my future flys to USA."

Most likely you are going to pay for your tickets in CASH from now on...

"Do I should find and other job and never camback to USA?"

You already have your mind made up about leaving next year, so the only valid part of this question is about the job.
I will suggest that find a job is a good idea ,unless you are planning to come to Chile with some savings and start your own business.


"My kids are gringos are they going to have any kind of problem? "

Without knowing their ages is hard to tell, in general kids are pretty adaptable, more than adults, but it all depends on their ages. The younger , the better.


"Just in case my emigration estatus is on green card it just have been aproved and I have been living here for 5 years with working visa. "

Touch and go subject, if only resident, there is certain amount of time that you can spent away from USA, there are extensions, but Inmigration is getting tough.

Again if you have "working Visa" which I assume is a work permit for 5 years , you must be doing something important and well paid in USA, some hard to find workers, type of job.

If you are a resident now, the working permit visa is no longer valid.

The company can not do nothing about it.

So this job must be well paid,taking all that into consideration, i am surprised that you want to skip out Dodge, for only 20K of debt.

So far you are doing fine in the USA, 4K a year in debt, is very little (4K X 5 years=20K).

Thinking in relocate with kids,is a task, that should'nt be taken lightly.

Whatever the path you decide to follow, I wish best of luck.