florida12

Thank you!

Awesome Welles

Did you not write this then?

In the final analysis, what you do and how you conduct yourself is your business - my reaction to this is colored by the implication that you were asking us if we think it's OK for you to shaft your creditors.

Personally, I don't think it is, because the cost of credit for people who use credit responsibly is adversely impacted by the people who don't.

petitefrancaise

I think this says a lot more about you than about the original poster. She hasn't said she's not going to pay her debts, she was asking how people have managed to do it from the USA. I really don't understand why you don't go back and read what she wrote originally instead of fixating on one post that you seem determined to misunderstand.

"Did you come up with a payment plan that you can reasonably pay, from the USA... especially if you do not have a job out there in the USA for quite some time yet, so how do you even afford to pay monthly on an arrangement plan, if any?

its always good to clear your debt of course, or even come up with an arrangement with the debtors, but how if.. you have moved to the USA, jobless for the short term?"

zzrmark

If this were true in the US why is it that people with a good credit history can get hugely lower repayment terms on credit than those with a poor history?

Fun fact: The credit based system relies upon the issuing of new credit more than it does writing down of old credit.
Why do you think the likes of Donald Trump et al can go bankrupt multiple times and yet the system will still issue them credit?

jeepster

Your wife apologizes? Fancy that, my English wife never apologizes.

zzrmark

That's because the English are never wrong (Edit: especially the women)

florida12

Thank you. Spot on, on the advice I had originally asked for.. To myself, I thought it was a fair query which I would be encouraged by others on here, to help me see, an option/s... to be able to live a new life in the US and deal with the current situation from out there. And hear from others experiences, positively & constructively.

Awesome Welles

That's a quite naive view.

What you should never forget is that like a casino, the house NEVER loses - so when a percentage defaults - everyone else pays.

Donald Trump has never filed bankrupt - one or two of the companies he was in charge of have - but that is an entirely different scenario, as I'm sure you must appreciate.

Awesome Welles

Well we seem to be at odds on this - but that's the value of a discussion forum, in my view. I have not set out to be hurtful, but am curious to understand the viewpoint and I'm really unsure of any other way to interpret this:

"Well, I for one, will not be able to even afford a repayment plan sum as, need all the money that I am currently slowly saving to live off, once out there, let alone pay for Uk debt."

:as anything other than, "I can't afford to settle my debts (even with a repayment plan), because I'm saving my money for something else".

Did I get that wrong somehow?

jjmb

Must admit I am a little confused by the OP's stance as I thought there was some financial aspect of the K1 visa where the sponsor agrees to support their incoming spouse. Also its unfortunate but the way the OP has stated their prospective life over in the States, it seems like a bogus marriage. I don't believe that is true but if I was ICE agent reading the comments, that would be the way I would see it. Fortunately for the poster, no one offical will be reading this but she should wary of talking openly about her financial status.

username.exe

You're not wrong. That was the original discussion.
OP changed their tone over the course of the thread though.

florida12

I apologise to the very very minute few who are hellbent on trying to read between the lines... I should have perhaps worded my OP more better..
Just trying to sort things out here. Stop hurting your head over this already. Its so over with now. I got my answer from the majority who has been helpful, so now you guys who seem to be unhappy, can get on with some other posts to try & play judge, jury & god over.
Seriously, your points has been made, but to be honest, I haven't taken note, as each one of your replies are irrelevant to me.
If you can see, I had only replied to the ones that, were most helpful to me. But thanks for taking the time out to TRY and play negativity on my visa & with my new life with my husband as, I am very optimistic of my future with, my USC..

jeepster

Bankruptcy is a way of life here. You start a business, take a chance and if you lose, you go bankrupt and your debts are forgiven. It's much more common than one realizes.