Subject: Dmca Esc
From: M ramananda <[email-masked]>
To: "Akhil P. Walia" <[email-masked]>
Cc: Subir Bikas Chakma <[email-masked]>, Tushar Raina <[email-masked]>
Date: Fri, 7 Sep 2012 02:05:44 +0530 (IST)

Hi, 

Name : Laura Sutherland 
Phone : 2507166042 
Email : [email-masked] 
Best time : during the day before 4 . 

Chat Transcript : 

i have people calling me about a credit card i owe 3000.00 on... 
theyve called lots and i havent answered.. only because i have no way of paying the debt in full. im scared to face my debt, i have no way of getting a loan , or any way of getting the money to pay it. i got a call today saying this is the last day she is going to try me, and then its going to small claims court.. and will be on my record for 10 years.. im dissapointed in myself i let it get this far. this is the only major debt i have.. 
i need help.. i dont know what to do next... call her and say i have no money, send it to small claims count?! how stupid does that sound... 
anyways i need advice.. thought id give it one last kick at the can.. 
thanks 

Shelly has joined the chat. 

Shelly ( 01:40:22 ) : Hi There 
Laura ( 01:45:06 ) : Hi :) 
Shelly ( 01:40:47 ) : Would you like to know how our program works? 
Laura ( 01:45:34 ) : yes please 
Shelly ( 01:41:34 ) : First of all…..We take over the management of your debts. 
Shelly ( 01:41:37 ) : You make one low monthly payment into our Government supervised trust account. 
Shelly ( 01:41:40 ) : We can’t spend your money but we can re-direct your payment to your Creditors. 
Shelly ( 01:41:44 ) : Each of your Creditors gets paid on time, once a month. 
Shelly ( 01:41:46 ) : Secondly…Before any Creditor gets a payment they have to agree to either drastically reduce or totally eliminate the interest rates they are charging you on your debts. 
Shelly ( 01:41:49 ) : Because we either drastically reduce or totally eliminate the interest rates on your debts, you get out of debt faster and you save thousands in interest charges. 
Shelly ( 01:41:53 ) : Would you like to know if you can qualify for the program? 
Laura ( 01:46:53 ) : Ya sure 
Shelly ( 01:42:49 ) : Well in order for us to help you further we need to understand more about your particular debt situation. 
Shelly ( 01:43:52 ) : What’s your full name & telephone number? 
Laura ( 01:48:42 ) : Laura Sutherland 
Laura ( 01:48:52 ) : 2507166042 
Shelly ( 01:44:52 ) : Thanks for the details. 
Shelly ( 01:45:10 ) : We are open for business six days a week, Monday through Friday from 6am to 6pm, Pacific Standard Time. 
Shelly ( 01:45:14 ) : What’s the best time to call? 
Laura ( 01:50:25 ) : during the day before 4 . 
Laura ( 01:51:25 ) : where are you located? 
Shelly ( 01:48:10 ) : We're based in Canada. 
Laura ( 01:53:22 ) : but you dont have a store in nanaimo or anything? 
Shelly ( 01:51:33 ) : I am not qualified to answer that particular question. However, we have consultants in the office that would be very pleased to help you out with that concern.. 
Shelly ( 01:51:40 ) : I will have one of our debt consultants call you to discuss your particular debt situation. 
Laura ( 01:57:04 ) : oh ok. i just wasnt sure. thanks. 
Shelly ( 01:53:17 ) : Cheers 
Laura ( 01:58:10 ) : thanks Shelly 
Shelly ( 01:53:40 ) : Your welcome 
Shelly ( 01:53:44 ) : Thanks for visiting Debt Managers 
Shelly ( 01:53:45 ) : Bye 
Laura ( 01:58:28 ) : bye 
The party has left or disconnected. Chat session has ended. 

Thanks & Regards, 
M. Ramananda Singh