When I first logged on and saw my credit report and the damage I had done to it, I was shocked. I knew that I had maxed out a couple of credit cards and had some old unpaid loans, but I had no idea that I was now hundreds of thousands of dollars in debt.
I panicked as I realized that there was no way I would be able to repay these debts with the meager minimum wage salary that I earned. My credit score was about as low as it could get and none of my relatives would agree to loan me any more money at this point. I was all on my own and needed to find a way to get myself out of this situation that I had gotten into.
I thought about filing for bankruptcy, but the process seemed so long and complicated. I had no idea where to even begin. I called around to a few lawyers, but never really received the help that I was looking for. Then one day I was watching a movie where a guy changes his entire identity and starts over with an entirely new life. I wondered if I could do something like that and be able to start a new, debt-free life. If I could live my life all over again with a clean slate, I would certainly do a lot of things differently. (more…)
Debt is deadly trap. Once it reaches its critical mass, life spins out of control. When faced by an extremely large amount of outstanding debt, people inevitably seek solutions to their problem that they might not consider otherwise.
Even shady practices are not off the table when your financial situation is being destroyed by money owed to banks, credit card companies, private creditors and even people that might not think twice about putting your life in danger.
During such time, some may start to wonder if changing their identity can become the permanent solution they so desperately seek.
Will Changing Your Identity Help Avoid Creditors?
There is no easy answer to that question.
While changing your identity and escaping creditors may seem like a scenario straight out of a Hollywood movie, it may become a possibility depending on the situation. To get to the bottom of this, we would have to consider the different types of situations in which such a need may arise. (more…)
Since 911 the world has changed. There are thousands of conspiracy theories on how 911 benefited governments around the world to implement new laws enabling them to spy on their citizen without even needing a court order.
There are billions of phone conversations, emails or text based chats taking place every day on this planet. The National Security Agency (NSA) is using facilities like Echolon to intercept and evaluate communications between individuals.
The real challenge the NSA is facing that there is too much data to be evaluated manually. Many people think that certain keywords e.g. “bombe….” would trigger a manual review. Actually it would not trigger a review. Suicide bombers might not be the smartest people on earth, still they are smart enough to be aware of that their communications could be intercepted. It’s very popular with terrorists to use code words to keep their communications secret from outsiders.
How can the NSA evaluate so much information?
I am a person with many different names but you can call me Tom. You see my story begins about five years ago when I had trouble finding a job just out of college. I was not the best student but I was not the worst and with the recession
A child is expensive and with my wife caring for the child during pregnancy and birth, I was responsible for the school loans and the medical bills. You see there were complications at birth. Our baby boy was born premature. He survived and thank god for that everyday but our bills and our debt was through the roof. Especially since our son needed constant medical treatment through the first days of his life and for the first few years too.
That is when I came to the only sensible solution a parent could come to. I needed to change my identity. At first, all I did was get a new P.O Box address and changed my phone number but then, trouble started. Creditors tracked me down through my wife and they began harassing her. As she became aware of my financial problems, she became angry. We began to fight day and night. (more…)
Actually, I’m quite surprised by the increasing number of people who want to change their identity. If you just Google the phrase “change my identity” you will be bombarded by thousands of different results.
When I tried to check them, it seems that most people have different sensible reasons as to why they want to start afresh. There’s this guy who had some dealings with the police during his teenage years and now he’s having difficulties in landing a job.
Even if you are in debt, there’s way out of it. However, the problem lies in the fact that people either do not realize that they are in financial problem and deep in debt, or even if they realize, they want to avoid it as far as possible. On the contrary, this leads to more serious problems. For, when you let the problem lie unattended, it starts growing with time. So, in order to get out of the debt related issues, it is not only the different debt relief options, which you may have to try, depending on your needs. In addition, you will also be required to find out the starting point of the problem, so that you can eliminate it from its root.
Considering different debt relief options
There are numerous debt relief options available, with regards to your secured and the unsecured debts. Below discussed are the different options, which you can try out, in order to be able to solve your debt issues.
Most experts say that having debts or loans is just normal for business and for ordinary people. I believed in it until my current situation proved that I have already gone overboard.
My debt story began when I was about to enter college. I have dreamed of pursuing an art degree since I was in high school. But to be able to get the best training and attend to the best schools, I had to sign up and avail a student loan. The loan also provided that needed financial help because my family didn’t have enough money to send me to college. The grant accorded to me at that time was $75,000. That amount paid for my tuition and some minute expenses related to school.
While studying, I have constantly looked for a part time job which would ease my schooling’s financial burden. My job search at that time has its own lucks and failures. There are times when I was luckily hired as a helper in a convenience shop, server at food stalls, etc. But most of the time, my early job searches failed. I eventually had to loan from friends and relatives during the entire 4 years of my stay in college. (more…)
I got married when I was only 18 years old. I was really in love with that guy. He used to have some construction site jobs in Brooklyn, he was not rich, but I did not care. I just wanted some guy with the heart on the right place.
My family did not like the guy from the first moment they met. They just thought it was not appropriate for me to get married to some working class guy.
Even my family did not speak with me anymore; the first year we were newly married was amazing, he was always so caring and made sure I was happy. We felt like we had a bright future ahead of us, even without my family supporting our marriage. (more…)