Welcome to General Chat - GAW Community Area
This General Chat area started off as a place for people to talk about things that are off topic, however it has quickly evolved into a community and has become an integral part of the GAW experience for many of us.
Based on its evolving needs and plenty of user feedback, we are trying to bring some order and institute some rules. Please make sure you read these rules and participate in the spirit of this community.
Rules for General Chat
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Be respectful to each other. This is of utmost importance, and comments may be removed if deemed not respectful.
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Avoid long drawn out arguments. This should be a place to relax, not to waste your time needlessly.
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Personal anecdotes, puzzles, cute pics/clips - everything welcome
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Please do not spam at the top level. If you have a lot to post each day, try and post them all together in one top level comment
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Try keep things light. If you are bringing in deep stuff, try not to go overboard.
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Things that are clearly on-topic for this board should be posted as a separate post and not here (except if you are new and still getting the feel of this place)
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If you find people violating these rules, deport them rather than start a argument here.
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Feel free to give feedback as these rules are expected to keep evoloving
In short, imagine this thread to be a local community hall where we all gather and chat daily. Please be respectful to others in the same way
Years ago, we were in a debt dilemma brought on by disability and custody battles. We contacted American Debt Relief, so I can say that they are legit. What they do it consolidate all your credit card debts into 1 payment by negotiating with each debtor to accept a payoff for less than your total rather than risking less or no payments if you end up in bankruptcy. If your income to debt ratio (with the new negotiated payment) is feasible, then it will get you out of this bind long term. If not, they will recommend finding a bankruptcy attorney. Any payments you would normally pay to creditors can be used to pay the attorney fee. The attorney will notify mortgage and car loan holders that you intend to pay those debts to prevent foreclosure and repossession. In Chapter 11 bankruptcy, you will not have to pay back listed debts. Any student loans don't qualify, unless things have changed in the last 10 years.