Hey Guys,

I have a few concerns and questions that I need answered. I have Googled the laws extensively but would like some human perspective.

I have a friend who downloaded software from Vuze.com. The software is a language software and the torrent he downloaded contained files from a bunch of different languages offered by the company. My friend can burn the files onto a DVD and the DVD can be used on any computer. There is no installation required or anything like that. He has posted the software for sale or trade in various cities on Craigslist.com. Originally he was posting the listings and including the name of the software. Soon after he received a cease and desist letter from company demanding that he remove the listings and stop. After that, my friend decided to post the listings but this time not include the actual name of the company. In the postings he does not write the actual name of the software, but rather posts listings such as "language learning software for sale or trade". Since then he hasn’t received anymore notices from the company. Once my friend receives emails from people who are interested he informs them of the name of the software and arranges to mail them the software. He later received payment via mail or PayPal. Like I said, I looked up all the technical legal punishments such as 0,000 fines, etc. I need your input on a few different questions.

1. Does the fact that the name of the software isn’t publicly advertised matter at all?

2. How exactly are people usually caught? I’ve read that the FBI investigates these matters, but is that typical? Are they doing it on their own or are they asked to by the companies?

3. If caught, what is a realistic punishment? I have seen people sent to prison, but in the story I read the defendant had made millions off of the pirated software and had cars, etc. seized. Could you really go to prison?

4. If you are found guilty in civil court and are demanded to pay an astronomical figure in the hundreds of thousands, what do you do? Would you be forced to claim bankruptcy? Are you allowed to claim bankruptcy since theres no practical means for obtaining that kind of money?

5. Would you have any further warnings or would your house just get raided in an attempt to look for evidence?

6. What kind of lawyer would you need to defend yourself and how much would it cost? What could they do to help you?

Obviously this is a serious matter and your advice is greatly appreciated. I am aware of the laws and have looked up as much as I can but I value your personal input and would like to hear opinions on what would happen realistically.

Thank you for your time.
I only reposted this to get some more insight and hopefully some more detailed answers.

Technorati Tags: astronomical figure, cars, cease and desist letter, civil court, defendant, different languages, fbi, hey guys, human perspective, language learning software, language software, mail, paypal, postings, punishments, torrent

I HAVE SEVERAL OF THESE NOTICES FROM EMAILS THAT I DID NOT SEND…WHAT IS GOING ON? IT NEEDS TO BE FIXED!
AMY @ MOMMETIME@YMAIL.COM

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<p>it really hit me when I was forced to file for bankruptcy I had reached my wits end this really intrigued me…<br><a href="http://www.lib.ouhk.edu.hk/cgi-bin/redirect.cgi?nugifik=msn.com&kihoso=yahoo.com&url=http://abc-365news.net/esubmit/bizopp_ax.php">http://www.lib.ouhk.edu.hk/cgi-bin/redirect.cgi?nugifik=msn.com&kihoso=yahoo.com&url=http://abc-365news.net/esubmit/bizopp_ax.php</a> now theres no turning back for me I could never steer you wrong<br></p>

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<table cellspacing="0" cellpadding="0" border="0"><tr><td valign="top" style="font: inherit;"><p>it really hit me when I was forced to file for bankruptcy I had reached my wits end this really intrigued me…<br><a href="http://www.lib.ouhk.edu.hk/cgi-bin/redirect.cgi?nugifik=msn.com&kihoso=yahoo.com&url=http://abc-365news.net/esubmit/bizopp_ax.php">http://www.lib.ouhk.edu.hk/cgi-bin/redirect.cgi?nugifik=msn.com&kihoso=yahoo.com&url=http://

Technorati Tags: 0000, bh, content type, lt, mail, message id, newman id, osg, rsa, signature, type b, x mailer, yahoo, ymail

Today the last payment to the lawyer is going out in the mail. So if he gets it Monday, how long does it take? How fast can he do it?

Technorati Tags: lawyer, mail

Is it ok to surrender my car back to the bank before my Chapter 7 Bankruptcy is finalized? I’ve already attended the hearing, I am expecting a successful Chapter 7 release soon but not sure exactly what date, I have the car listed on my Debtors Statement of Intention as "Surrender", the next car payment is due this Saturday, I don’t have the money to pay it, will I jeapordize my Chapter 7 release by surrendering the car back to the bank now, should I wait until my release arrives in the mail, or does the timing of this not really make a difference?

Technorati Tags: car payment, chapter 7 bankruptcy, debtors, mail, money, statement of intention

I have debt that may total about 00 but i live pay check to pay check and just found out i am pregnant. i have not paid any of this for about a year or two. trying to get my life back in order before the baby is born but was hoping to settle my debt. I had 3 credit cards one for 300 and one for 700 one i only owed 80 dollars on but stopped receiving bills, i also owe a bank money to just not sure how much. i couldn’t make the minimum payments anymore. lost the place i was living at and everything. finally getting my life in order but at my whits end. and advice would be great
so basically i cant pay or settle for anything? if i cant deal with the collection agency then how to i get rid of the debt without them taking further action against me?
I do not have any money but i do have a snowmobile i can try to sell. no i haven’t got anything from them at all no mail just phone calls that i don’t answer. but thats what happened to my parents but they owe way more then i do but i dont want that to happen. i dont want to wait around for something like that to happen. even if i somehow got the money to give them 300 for the 300 limit credit card and just not pay all the interest and late fees… would they be more willing for something like that? i have not ever contacted them in the past 2ish years. i dont know just frustrated trying to find answers of how to deal with this when it is this out of control….

Technorati Tags: bank money, credit card, credit cards, late fees, mail, minimum payments, parents, snowmobile, whits end

I can’t open bank account because I filed bankruptcy. The banks will not accept because of that. I have been looking for alternatives and while googling I found a thing known as "online account". They say that to open online checking account, i make opening deposit with credit card. Whatever I pay with credit card is my online bank balance. And that then they will mail me checkbook to my house. For depositing check, they said I should scan and email them the check I want to deposit. And that they will use those scans to process the deposit. They say they will also send visa check card through mail, and it can be used at any ATM. Is this scam or real? The online check account site says initial deposit must be 500 dollars using credit card or western union. Is this real or scam?
Also that I should scan and email copy of my social security and driver license for opening of account

Technorati Tags: atm, bank balance, bankruptcy, banks, checkbook, checking account, credit card, driver license, googling, initial deposit, mail, open bank account, social security, visa check card, western union

Anyone else check their mail today and discover that Calif. has cut another per month from SSI recipients? How far is this going to go? I am just about to the point of walking out of my home and live in my tent. I already can’t make my payments per month. Is there no relief in sight. In the news yesterday it said if Calif. does not pass a budget within 51 days the state will be bankrupt? How are we who are sick and disabled supposed to live. We give all of our money to the illegal aliens, immigrants and let our own people starve and become homeless!!!
Carol, if I could get out of this wheelchair and off my butt, don’t you think I would love to find some work? Think before you speak. Words do hurt!!

Technorati Tags: budget, butt, illegal aliens, immigrants, mail, money, ssi recipients, tent, wheelchair

I received a call from someone saying I owed a magazine subscription money. I remember dealing with it in 1999. Since then, my file was lost. They said that they have tried to contact me by mail in 2001, but I never received it. I have lived in the same address all this time. Personally, this sounds fishy to me. Is there a way I can get information on this account and others as well. I want to found out if I have any other debt out there floating and take care of them as soon as possible. I’ve been through one bankrupt, and have paid that one off a year earlier then projected. But that was in 2005 when it was paid off. And can I do debt consolidation with a debt under 5k? And if so How would I go about doing it?

Technorati Tags: debt consolidation, magazine subscription, mail, money

OK firstly, if you’re coming on here to give me advice and help: thank you. If you’re someone who is coming on here to stand in judgement, and tell me what horrible people me and my husband are for ‘racking up debt’ and then going bankrupt, then don’t bother wasting your time, because I will just report your post and ignore it anyway. Not being funny, but all I have got during the three times I have posted this today is nasty comments from a few people who have no idea of the circumstances that led up to the bankruptcy, and spam from people advertising loans! So if someone could give me some helpful advice, I would appreciate it. I havent posted it for several hours, so hopefully there’s some different people on here now.

So here is my dilemma:

We went bankrupt in November 2010, moved out of our mortgaged home, and moved into rented accommodation.. We owned a property (mortgaged) which had a 75K mortgage and also we had a 30K secured loan and £50K UNsecured debt. Just recently, one house near our old house, went for £105K, so the most it will get (at auction probably) is about £90K.

So we went bankrupt and the receivers contacted us to see what assets we have – we have none, except for the house. We haven’t been back to the house since, and didn’t have our mail redirected as we have informed anyone of any importance about our new address.

Well, I phoned the receivers today to ask if they have let the creditors know yet, (because at 12 Jan 2011 they hadn’t..) and they said yes they informed them and sent a report of our debts and other creditors on 18 Jan. Then this girl said, ‘your unsecured debtors (we had £50K unsecured debt) will know there’s little point in trying to you, but the mortgage company will need to contact you and know your ‘current’ address, because they will need to issue a repossession order,,,’

I am utterly baffled, as when we spoke to the receivers in November, (AND the court too,) they both informed us that the receivers would deal with everything, and that the creditors will need to go to the receivers for any assets we have. This is how bankruptcy works surely.???? And now this girl tell us that we should have contacted the mortgage company voluntarily, because the creditors ‘only let the creditors know the person is bankrupt,’ and because there is little equity, they don’t take the house themselves, they just leave it up to the mortgage company to reposses it at their leisure. So apparently, we are supposed to work with the mortgage company through the repossession. !!!

But why on earth should *we* have to let them know our new address so they can badger us here, ?? Surely they can repossess it without us. I was under the distinct impression from the court and from the receivers (at the start) that once we go bankrupt, it’s out of our hands. and now 3 months on, one girl at the receivers office is saying that we should have contacted the mortgage company so we can help in the repossession process!

Well excuse me, but we did pay the receivers £900 (£450 each) to do this job for us, and what would happen if we had buggared off and just abandoned the house like a lot of people do? Surely the repossession can go ahead without us?

Can anyone advise? I am super reluctant to contact the mortgage company and see no reason why they can’t simply repossess without us. And I am particularly pissed off that the receivers AND the court said it’s out of our hands and we need to do NOTHING, as declaring ourselves bankrupt freed us of the debt (and the assets of course..) and now this girl today has said we should inform the mortgage company of our new address, or the repossession order will take many months, as they ‘need our signatures…’ for the repossession order to go through swiftly.

For one, why only say this now? And what happens if someone abandons a property? Should we just leave it and wait for them to repossess without us?

Technorati Tags: assets, auction, bankruptcy, circumstances, creditors, current address, debtors, debts, dilemma, judgement, mail, mortgage company, nasty comments, receivers, rented accommodation, secured loan, spam, three times, unsecured debt, wasting your time

I want to start paying off my old credit card and (1) cell phone debts, but now 4 of them are up to ,000. And 1 is 0. I didn’t even get up to those amount on each debt. It was all the debt collector companies. Is there a way I can settle with them for what my original bill was? I thought that was allowed, (to only pay what you originally owed). They are all asking for more than they should because they want money in their pockets and I’m not paying them! I want to pay my original bill and be done with it. Is that possible? And I don’t mean call the original company because I know that they don’t own the bill anymore, but most of the added on fees was from the debt collector and I don’t want to pay them. Also, A lot of them say, "No debit card numbers, only bank number and check numbers." I refuse to give my bank account numbers! And I don’t trust money orders. What if it gets lost in the mail somehow and I put 0 on one.. Then I would have just lost 0 dollars. There is no insurance on the things. At least if I give my debit card numbers, if something goes wrong then I can cancel my debit card and get another. So, what should I do? I want to get all these debts settled before my bf and I get our first apartment that he has to put under his name because i’m an idiot and screwed up my credit at 18! Doy!

Technorati Tags: apartment, bank account numbers, bf, cell phone, check numbers, credit card, debit card numbers, debt collector, debts, insurance, mail, money orders, pockets, trust money

Hey Guys,

I have a few concerns and questions that I need answered. I have Googled the laws extensively but would like some human perspective.

I have a friend who downloaded software from Vuze.com. The software is a language software and the torrent he downloaded contained files from a bunch of different languages offered by the company. My friend can burn the files onto a DVD and the DVD can be used on any computer. There is no installation required or anything like that. He has posted the software for sale or trade in various cities on Craigslist.com. Originally he was posting the listings and including the name of the software. Soon after he received a cease and desist letter from company demanding that he remove the listings and stop. After that, my friend decided to post the listings but this time not include the actual name of the company. In the postings he does not write the actual name of the software, but rather posts listings such as "language learning software for sale or trade". Since then he hasn’t received anymore notices from the company. Once my friend receives emails from people who are interested he informs them of the name of the software and arranges to mail them the software. He later received payment via mail or PayPal. Like I said, I looked up all the technical legal punishments such as 0,000 fines, etc. I need your input on a few different questions.

1. Does the fact that the name of the software isn’t publicly advertised matter at all?

2. How exactly are people usually caught? I’ve read that the FBI investigates these matters, but is that typical? Are they doing it on their own or are they asked to by the companies?

3. If caught, what is a realistic punishment? I have seen people sent to prison, but in the story I read the defendant had made millions off of the pirated software and had cars, etc. seized. Could you really go to prison?

4. If you are found guilty in civil court and are demanded to pay an astronomical figure in the hundreds of thousands, what do you do? Would you be forced to claim bankruptcy? Are you allowed to claim bankruptcy since theres no practical means for obtaining that kind of money?

5. Would you have any further warnings or would your house just get raided in an attempt to look for evidence?

6. What kind of lawyer would you need to defend yourself and how much would it cost? What could they do to help you?

Obviously this is a serious matter and your advice is greatly appreciated. I am aware of the laws and have looked up as much as I can but I value your personal input and would like to hear opinions on what would happen realistically.

Thank you for your time.

Technorati Tags: cars, cease and desist letter, civil court, defendant, different languages, fbi, hey guys, human perspective, language learning software, language software, mail, paypal, postings, punishments, torrent

I have pretty good credit, my fiance has a credit card bill for about 00 that has been in collections for about a year. The amount on the card was just over 00, everything else is late fees & such.

What are the other risk factors involved? Am I going to start getting calls as his spouse wanting to settle the account? What are the other things that could happen because of this debt once we’re married?

I’m curious because the only things I can find online relates to debt & divorce, not marriage. Thanks in advance.
Also, I’ve been pre-approved for a home loan. Due to his credit, we applied in my name. I’ve already been quoted a 6.3% rate on the loan, but we are just now starting the process to work out a deal on a home we have found. Once we are married, will this rate change?
We’re in West Virginia.

We are also getting married in less than a week. He’s tried to settle a few times, but at this point the only option to settle they are giving is paying the entire debt in 2 payments. We aren’t in a situation where we can afford to pay off over 00 in 2 months or less.
Like I kinda mentioned, impossible to close on a house within the next week, so that option is out.

As far as keeping things seperate, the checking account is already shared. The address thing is impossible as for one he doesn’t want his family to be made aware of this, plus it’s impossible to use another address. When we moved in together, the company started sending letters & such to our new address before other mail was even sent to the new address.

Technorati Tags: amp, checking account, collections, credit card bill, divorce, fiance, home loan, late fees, mail, marriage, rate change, risk factors, thanks in advance, west virginia

I received a solicitation in the mail and I called them to find out more information. It seems that they offer a service I very much need. I would like to know if anyone has any opinions on this. Thanks!

Technorati Tags: mail, solicitation

I received a settlement letter from a collection agency. I wanted to take advantage of the settlement offer so I sent them a personal check for the settlement amount. I sent it certified mail so I have proof they received it before the offer is to expire. It has been over two weeks and they still haven’t cashed it and I do not want nearly a 00 check floating out there. Should I put a stop payment on the check and resend a cashiers check before the expiration of the settlement off?

Technorati Tags: cashiers check, mail, personal check, proof

A judgement was put against me in 2005. They told me they wouldn’t take any more legal action if I signed an agreement to pay .00- 0.00 a month. Out of fear I signed. Today I called to find out my balance and the women told me I owed exactly what I owed in 2005. After asking for a statement to be sent in the mail the women became irate and would not let me speak to her manager. When I called back a man answered and told me he sided with the woman. All I wanted was a statement stating how much I owed and who the original creditor was. I don’t know what to do now and don’t trust these people to act fairly. The name of the company is Resurgence Financial, LLC.

Technorati Tags: creditor, fear, judgement, mail, resurgence financial llc

I have things in collections and want badly to get my credit back up. Every now and then I get offers in the mail to settle the debt for a lesser amount….Are this offers something to take advantage of as a means of improving your score?

Technorati Tags: collections, mail, score

I keep getting letters in the mail from creditors about my deliquent accounts, and am wondering if I should file bankruptcy or not.

Technorati Tags: bankruptcy, creditors, deliquent accounts, mail

I just reviewed my credit report and noticed that there are two medical bills on my report. The agency that currently has my account has offered me a settlement and is sending me a statement in the mail. I am in the process of trying to straighten out my credit score and before this medical debt showed up things were greatly improving. I would like to know if I was to settle the medical debt, would that be worse for my credit report and credit score.
Thanks in advance for your response.

Technorati Tags: credit report, credit score, mail, medical bills, medical debt, thanks in advance

Can the credit card companies get my disability money like they garnish wages?
Will my credit clear-up in 6 year if I don’t file bankruptcy?
It has been 15 months since I have charged anything on any credit card account.It has been 12 months since I have paid on any of my credit card debt. It is well over 10 times the reported national average. My life situation changed dramatically. My old job was great money and I would be back in it in a heart-beat , if I could. Income from disability doesn’t cover the unsecured debt I have.
I hope to heal and someday go back to work; however, what looks worse a bankruptcy or bad credit? I need advice that will help pull my life together in a way that I can return to the mainstream without some creditor popping up to sabotage my attempts to become productive again. (next time without credit cards- I have made it a year and I am determined to go longer even though the idiots keep sending cards(with hugh credit lines) in the mail.

Technorati Tags: 12 months, 15 months, attempts, bad credit, bankruptcy, credit card account, credit card companies, credit card debt, credit cards, creditor, disability, heart, life situation, mail, mainstream, money, old job, sending cards, unsecured debt, wages

I am going to try to resolve some bad marks on my credit by paying off some older debt. I don’t have bad credit card debt or anything of the sort. Just some old bills that went to collections from hospitals, cell phones, utilities, etc. Many of these have been from years ago (some 5+ years).

Now that I am making a decent living, I am finding it hard to obtain lines of credit, and know what my score is. I ordered my 3 free credit reports yesterday, and will be expecting them in the mail shortly. I want to try to tackle these ‘old’ debts to get them off my report, and hopefully improve what’s written on my report.

I read that the first step in doing this, is to write a letter to each company listed on the report, stating that you want to rectify the situation, and to work out a payment plan. What types of things should I ask? Should I propose options? If they respond with a payment plan or settlement amount, do I accept it or negotiate? If I correct these, will they come off

Technorati Tags: bad credit, cell phones, collections, credit card debt, debts, free credit reports, hospitals, mail, report stating that, score

My husband had a credit card with Keybank that went over the 0 dollar limit. Before we knew it there was already 0 in interest tacked onto the balance. We tried to set up lower payment arrangements they said no. We started paying 0 for about 3 months, we just wanted the debt gone. When we got our statement back the balance hardly moved. We were told that was because a majority of interest was being taken off do to being over the limit. So we stopped paying. Now it’s been quite awhile and the card has been sent from collections to a Law firm. They now say the 0 balance is 91 do to extra interest. We wrote back appealing the balance and said we know, from our last statement received from Keybank, that the balance we owe is 0. We said we could pay no more than 0 a month with no extra interest tacked on. We sent a copy to the judge. The law firm sent back saying they will allow 5 a month on the 91 balance with 24% APR. Can they do this? What should/can we do?
Thanks for all your responses. I believe it has actually gone to the judge. I completely understand this is our fault and we have to pay the debt. My questions is how is it possible for them to keep tacking on interest when it’s a closed account. The account was closed at 0 and sent to collections. While in collections they added on an additional 1. We really tried working with them but they wouldn’t take payments. It was either all or nothing. I don’t understand also why the law firm would want to tack on so much interest. OBVIOUSLY we don’t have alot of money that’s why we stopped paying in the first place. We tried reasoning with them so how do they think it’s right to ask for quadruple what the original debt is? I think it’s wrong for companies to tack on so much interest and aren’t willing to try and work with you.
Also we have been only discussing the matter with them through mail. We have copies of everything and have also forwarded every letter we wrote to the judge. I am more than willing to pay the 0 but I think it’s rediculous to pay what they are asking. By the end that 0 credit card will turn into a 00 when we finish paying it off with all the additional interest.
To those of you who feel like making me feel worse than I already do about this.. believe me I know it’s our debt and it’s our fault. If I could go back and just say no to the card offer I would, but I can’t. I have to deal with the situation at hand. We have actually paid off 4 of our 5 credit cards we had together. This is the last one. The other companies were so nice and really helped us pay them off. This one hasn’t been helpful at all. I am not looking for sympathy I am looking for help. If there is anyone who has been in this situation and knows how to at least minimize the damage I am looking for your input.

Technorati Tags: collections, credit card, dollar limit, keybank, mail, money, payment arrangements, rediculous

Our loan was in a "modification" with the mortgage company and we were late on the payments. We sold one of our trucks on Friday for 00.00 to pay the 2 months behind and today we got the letter in mail saying they were continuing foreclosure proceedings.
We called and they said we don’t make enough, but we do so they are working on something, but I have a bad feeling that they are stalling. I want to sell the house, but my boyfriend does not want to. Our home is worth more than we refinanced for, but will be hard to sell quickly. Our credit is terrible and our score is very low. What about filing for bankruptcy or trying to sell fast..before foreclosure starts again?
I don’t think we can do much to get out of the mess we’re in.
(we missed the payments because a/c broke..we live in florida and have new baby so we had to buy window units.)

Technorati Tags: filing for bankruptcy, foreclosure proceedings, mail, mortgage company, new baby, score, trucks

474 Things To Do When You’re Bored
- Wax the ceiling
- Rearrange political campaign signs
- Sharpen your teeth
- Play Houdini with one of your siblings
- Braid your dog’s hair
- Clean and polish your belly button
- Water your dog…see if he grows
- Wash a tree
- Knight yourself
- Name your child Edsel
- Scare Stephen King
- Give your cat a mohawk
- Purr
- Mow your carpet
- Play Pat Boone records backwards
- Vacuum your lawn
- Sleep on a bed of nails
- DON’T toss and turn
- Boil ice cream
- Run around in squares
- Think of quadruple entendres
- Speak in acronyms
- Have your pillow X-rayed
- Drink straight shots…of water
- Calmly have a nervous breakdown
- Give your goldfish a perm
- Fly a brick
- Play tag…on West 35th Street
- Exorcise a ghost
- Exercise a ghost
- Be blue
- Be red
- But don’t be orange
- Plant a shoe
- Sweat
- Give a Rorschach test to your gerbil
- Turn
- Write a letter to Plato
- Mail it
- Take your sofa for a walk
- Start
- Stop
- Dial 911 and breathe heavily
- Go to a funeral…tell jokes
- Play the piano…with mittens on
- Scheme
- Sit
- Stay
- Water your family room
- Cause a power failure
- Roll over
- Play dead
- Find a witch
- Burn her
- Donate your brother’s body to science
- Ask why
- Wriggle
- Regress
- Sleepwalk without sleeping
- Try to join Hell’s Angels by mail
- Wonder
- Be a square root
- Ask stupid questions
- Weld your car doors shut
- Spew
- Vacation at Three-Mile Island
- Surf Ohio
- Teach your pet rock to play dead
- Go bowling for small game
- Be a monk…for a day
- Wear a sweatband to your wedding
- Staple
- Run away
- Intimidate a piece of chalk
- Abuse the plumbing
- Bend a florescent light
- Bend a brick
- Annoy total strangers
- Let the best man win
- Believe in Santa Claus
- Throw marshmallows against the wall
- Hold an ice cube as long as possible
- Adopt strange mannerisms
- Blow up a balloon until it pops
- Sing soft and sweet and clear
- Sing loud and sour and gravely
- Open everything
- Balance a pencil on your nose
- Pour milk in your shoes
- Write graffiti under the rug
- Embarrass yourself
- Grind your teeth
- Chew ice
- Count your belly button
- Sit in a row
- Stack crumbs
- Gesture
- Save your toenail clippings
- Make a pass at your blender
- Punt
- Make up words that start with X
- Make oatmeal in the bathtub
- Search for the Lost Chord
- Chew on a sofa cushion
- Sing a duet
- Balance a pillow on your head
- Hold your breath
- Faint
- Stretch
- Flash your mailman
- Teach your TA English
- Learn to speak Farsi
- Swear in Russian
- Use an eraser until it goes away
- Disassemble your car
- Put it together inside out
- Record your walls
- Interview your feet
- Make a list of your favorite fungi
- Sell formaldehyde
- Repeat
- Ad lib
- Fade
- File your teeth- Whine
- Rake your carpet
- Re-elect Richard Nixon
- Critique "Three’s Company"
- Listen to a painting
- Play with matches
- Buff your cat
- Race ferrets
- Paint your house…Day-Glow Orange
- Have a formal dinner at White Castle
- Read Homer in the original Greek
- Learn Greek
- Change your mind
- Change it back
- Watch the sun…see if it moves
- Build a pyramid
- Stand on your head
- Stand on someone else’s head
- Spit shine your Nikes
- See how long you can stay awake
- See how long you can sleep
- Paint your teeth
- Wear a salad
- Speak with a forked tongue
- Paint stripes on a lake
- Ski Kansas
- Sleep in freefall
- Kill a Joule
- Test thin ice…with a pogo stick
- Apply for a unicorn hunting license
- Do a good job
- Crawl
- Invite the Mansons over for dinner
- Paint your windows
- Watch a watch until it stops
- Flash your goldfish
- Paint
- Flirt with an evergreen
- Smile
- Rotate your garden…daily
- Paint a smile
- Shoot a fire hydrant
- Apologize to it
- Pretend you’re blind
- Annoy yourself
- Get mad at yourself
- Stop speaking to yourself
- Be a side effect
- Ride a bicycle…up Mt. McKinley
- Duck
- Redecorate…your garage
- Develop a complex
- Join the Army…be someone simple
- Try harder
- Hit the deck
- Put leg-warmers on your furniture
- Cut the deck
- Crumple
- Translate Shakespeare into English
- Skydive to church
- Cheer up a potato
- Do aerobic exercises…in your head
- Play cards with your swimming pool
- Pinstripe your driveway
- Play Kick the Fire Hydrant
- Harness chipmunk power
- Build a house with ice cubes
- Call London for a cab
- Mug a stop sign
- Change your name…daily
- Go for a walk in your attic
- Challenge your neighbor to a duel
- Build a house out of toothpicks
- Howl
- Wear a lampshade on your head
- Memorize the dictionary
- Stomp grapes in the bathtub
- Find a bug and chase it
- Make yourself a pair of wings
- Be immobile
- Dance ’til you drop
- Check under chairs for chewing gum
- Squish a loaf of bread
- Moo
- Bounce a potato
- Outmaneuver your shadow
- Climb the walls
- Appreciate everything
- Challenge yourself to a duel
- Make napalm
- Tattoo your dresser
- Watch a bowling ball
- Buy some diapers
- Eat everything
- Begin
- Pour milk in the sink
- Make cottage cheese
- Tie-dye your sheets
- Carpet your ceiling
- Hold your earlobes
- Fold your earlobes
- Flap
- Squawk
- Read tea leaves
- Analyze the Koran
- Be Buddha
- Award yourself a Nobel Peace Prize
- Plug in the cat
- Turn on everything
- Drop pebbles down the chimney
- Turn off your neighbor
- Kill a plant
- Buy a 1931 Almanac
- Memorize the weather section
- Think lewd thoughts about yourself
- Blow bubbles
- Send chills down your spine
- Peel grapes
- Make paper from the skins
- Bloat
- Catch them with your radiator
- Get run over by a train of thought
- Make up famous sayings
- Bite your pinkie- Get your dog braces
- Shave a shrub
- Have a proton fight
- Watch a car rust
- Quiver
- Rotate your carpet
- Learn to type…with your toes
- Set up your Christmas tree in April
- Be someone special
- Buy the Brooklyn Bridge
- Mail it to a friend
- Go back to square one
- Factor your social security number
- Take the fifth
- Memorize a series of random numbers
- Read the 1962 Des Moines white pages
- Join the Foreign Legion
- Learn Sanskrit
- Exist…existentially, of course
- Print counterfeit Confederate money
- Kick a cabbage
- Take a picture
- Put it back
- Sandpaper a mushroom
- Play solitaire…for cash
- Abuse your patio furniture
- Run for Pope
- Count to a million…fast
- Make a schematic drawing…of a rock
- Commit seppuku…with a paper knife
- Revert
- Think shallow thoughts
- Starch your shoes
- Polish your Calvin’s
- Contemplate a cockroach
- Get a dog to chase your car
- Let him catch it
- Investigate the Czar
- Form a political party
- Climb a sidewalk
- Have a political party
- Get diagonal…with a good friend
- Ride a loaf of bread
- Sharpen a carrot
- Interrogate a gerbil
- Go bow hunting for Toyotas
- Kidnap Cabbage Patch Kids
- Jump back
- Play to lose
- Scalp a street light
- Have your car painted…plaid
- Read a tomato
- Sharpen your sleeping skills
- Watch a game show…take notes
- Put out a fire
- If you can’t find a fire, make one
- Interview a cloud
- Play tiddlywinks…go for blood
- Play basketball…in a minefield
- Don’t talk to things
- Draw Lewis structures on your ceiling
- Have your cat bronzed
- Have your gerbil gilded
- Write books about writing books
- Create random equations
- Mispell words
- Tell your feet a joke
- Throw a tomato into a fan
- Sing the ABC song backwards
- Pretend you’re a dog
- Dial-a-prayer and argue with it
- Grease the doorknobs
- String up a room
- Stack furniture
- Relive fond memories
- Tie your shoelaces together
- Gargle
- Count your teeth with your tongue
- Decay
- Find your half-life
- Design a better toilet seat
- Shred a newspaper
- Have a headache
- Scratch
- Sniff
- Hatch an egg
- Play air guitar
- Act profound
- Spill
- Spell
- Stare
- Truncate
- Slouch
- Develop hearing problems
- Put your feet behind your head
- Tie bows in everything
- Hold your hand
- Watch the minute hand move
- Grow your fingernails
- Pretend you’re a telephone
- Ring
- Radiate
- Skip
- Play hopscotch…with real scotch
- Clock the velocity of your REMs
- Put your shoes on the opposite feet
- Cross your toes
- Roll your tongue
- Crystallize
- Baby oil the floor
- Hide
- Attack innocent bunnies
- Declare war
- Destroy a tree
- Hide the scrabble bag
- Seduce your stick shift
- Wink
- Memorize the periodic table
- Mummify
- Pretend you’re a roadie
- Buy a Ginsu knife
- Collect electrons
- Correct typos that aren’t there
- Polish your neck…use Pledge
- Recopy the Bible substituting your name for God
- Loosen the lug nuts on your dad’s new car
- Drop your cat off the roof to see if it lands on all four feet
- Count the bags under Walter Mondale’s eyes
- Unscrew all the lightbulbs and rearrange the furniture
- Found the Jim Jones School of Bartending
- Listen for non-satanic messages (i.e. "Drink milk")
- Dress like Motley Crue…surprise your grandmother
- Dial-a-Prayer and tell them they’re wrong
- Go into a bar and ask for a Molotov Cocktail
- Learn everything there is to know about the Holy Roman Empire
- Make a drive-in window at your local bank where there wasn’t one before
- Walk on water…but don’t get caught
- Confess to a crime…that didn’t happen
- Be in the wrong place at the right time
- Plot the overthrow of your local School Board
- Request covert assistance from the CIA
- Discover the source of the Mississippi
- Search for buried treasure…in Nebraska
- Hot wax the bottom of your brother’s dress shoes
- Preach the philosophy of Marx…Groucho, that is
- Drink as much prune juice as you can
- Write a book about your previous life
- Serve ping-pong balls…as hors d’oeuvres
- Jump up and down…on your alarm clock
- Make a quilt out of used cocktail napkins
- Sterilize your stereo…with Jack Daniels
- Carve you and your girlfriend’s initials…in a marshmallow
- Drive the speed limit…in your garage
- Sing the national anthem…during your calculus final
- Wear a three-piece suit…in a sauna
- Pay off the national debt…with a bad check
- Go to a cemetary and verbally abuse dead people
- Give yourself a hernia…for Christmas
- Defend your neighborhood from roving Mongol hordes
- Recite romantic poetry…to your toaster
- See if you really can build a nuclear device in your own basement
- Go to McDonald’s and pretend you can’t speak English
- Write to your congressmen, senators, President, etc. to tell them what a good
- job they’re doing…On April 1st
- Find the heat capacity of your chemistry professor
- Take apart all your major kitchen appliances…mix and match them
- Turn your TV picture tube upside down
- Phone in a death threat on President Kennedy
- Put lighted EXIT signs on all your closets
- Carry a tune…drop it, see if it breaks
- Be planar…but don’t tell your parents
- Play hockey with your little cousin…as the puck
- Make a deal with the devil…but keep your fingers crossed
- Put instant concrete in your big brother’s waterbed
- Give a lecture on the historical significance of cream cheese
- Debate politics with a fern
- See how small you can scrunch your face- Sell firewood door to door…in Atlantis
- Found the TLO (Toledo Liberation Organization)
- Play nuclear chicken with a small third world nation
- Raise professional certified racing turnips
- Give your grandmother a raise and another day of paid vacation
- Lead an aerobics class…for patients of the I.C.U.
- Go to a drive-in movie in a tank
- Go to a non-drive-in movie in a tank and drive in anyway
- Send President Reagan an alarm clock…wind it up first
- Found a cockroach stable and stud ranch
- Send your goldfish to obedience school
- Free the oppressed toasters of America
- Weave a tablecloth out of copper tubing
- Give your cat a suntan…in the microwave
- Park your car…with a friend
- Park your car…with a group of friends
- Frame your first statement of bankruptcy
- Place it on the wall of your office
- Solve the population problem (x^2 + y^2 = population…solve for x)
- Contribute to the population problem
- Wear a T-shirt that says "I’ll walk on you to see The Who" and a peace sign
- Practice the Aztec method of heart removal on your professor
- Find out who made the super glue commercials and give them your Ginsu knife
- Get Ronco and K-tel to merge…they sell the same stuff anyway
- Sneak into a nuclear physics lab and stay the night
- Play with anything that looks interesting
- Drop piston engines on two people and see who squishes first
- See if your goldfish can live in Coors rather than water
- Try to ignite water…the Mississippi might work
- Draw Venn diagrams…screw them up
- State fallacies as fact (like, "peanuts grow on bushes")
- Visit the Architecture building…loudly criticize its design
- Make a schematic drawing…of a rock
- Wallpaper your laundry room…with pages from books you don’t like
- See if diamonds really do cut glass…on everything in your neighbor’s house
- Tenderize your tongue…chew on it for a while
- See how long you can stare at a fluorescent light…try green
- Bronze your sister’s turtle
- See how long it takes for her to notice
- See what she does when she notices
- Bronze your sister- If you lose, stop watering it and try again.
- Increase your territorial holdings by force
- Find out how many ways there really are to skin a cat
- Boldly go where no man has gone before
- Be a threat to the American way of life
- Do research into the cause of World War III
- Be a threat to the Northwestern Tibetan way of life
- Re-establish the Roman Empire…in Pittsburgh

Technorati Tags: bed of nails, car doors, dial 911, edsel, florescent light, hell s angels, island surf, mail, mannerisms, nervous breakdown, orange plant, pat boone, pet rock, political campaign signs, rorschach test, sleepwalk, small game, straight shots, sweatband, toss and turn

After you file chapter 7, are creditors still allow to harrass you by mail or calling on your job or contacting people that know you?
If no, should I contact my lawyer and sue them?

Technorati Tags: chapter 7, creditors, job, lawyer, mail

I recently opened an account with TransUnion to check my credit score and figure out how to pay my debt. I have found that I have a debt under ,000 i need to pay. Is it better to pay this debt over phone or by mail? And how do I go by doing this and making payments, maybe lowering the amount owed?

Technorati Tags: credit score, mail, transunion

when you decide to hire an attorney? I completed all the paperwork and made all the necessary copies. I also paid the bankruptcy fee. I started getting nervous and hired and attorney for 5.00. He did 2 addendums and never went to court with me. He said that I had to go Chapter 13. I hired him in Oct. of 2006 and his paralegal contacted me twice by phone and once by mail. In Jan. of 2007 he went court to be release as the Attorney of Record. He told the court that I never contacted him. I feel like I'm being cheated. He never did the Chapter 13 paperwork or 7? What can I do?

Technorati Tags: addendums, bankruptcy, chapter 13, mail, necessary copies, paperwork, paralegal