Personal debt is at some of the highest levels ever recorded, and it shows no signs of slowing down. The sluggish economy isn't helping the situation, either. Much of this debt is beyond the control of consumers. They have lost their jobs, are hit with medical emergencies, or just need to provide the basics for their families. If this sounds familiar, you may be wondering if a credit card company can sue you for nonpayment. In short, yes they can.

There are a few things you should know about the potential of
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a credit card company suing you for nonpayment, though. The more information you have during difficult times, the better.

First, they do not like to sue their customers unless it becomes absolutely necessary. After all, it costs them money to go through the process, and there is always a chance they won't win. That being said, it's not all that common for a credit card company to sue a consumer, but it can happen. What is far more likely is that they will turn over your account to a collection agency. You have a much better chance of being sued by a collection agency than by a credit card company.

Second, you have to really mess up before they will even think about suing you. You not only have to owe a lot, but you also have to miss several payments. Actually, missing payments may not even be the tipping point. What really gives you the best chances of a credit card company suing you for nonpayment is not communicating with them about why you're not paying.

Therefore, the best way to prevent getting sued is to call the company as soon as possible, and let them know what's going on. Most card companies offer hardship programs. You may be able to have your interest rate lowered, have late fees forgiven, or other things that work to your benefit. Most programs are usually good for six months to a year, but you may be able to re-enroll once the initial time has expired. Remember, it's in their best interest to work with you, but they can't do anything if you don't clue them in.

Third, being sued isn't nearly as bad as a lot of people assume. It's not any fun, to be sure. But it's not the end of the world either. Being sued simply means you will be taken to court. It doesn't mean you will lose. Plus, if your finances are in really rough shape, the judge may lower how much you owe by a significant amount. However, if a judgment is entered against you, the card company will have the power of the courts to collect what you owe.

Finally, a credit card company suing you for nonpayment is a real possibility if things get too far out of control. But there are things you can do to minimize the chances of it ever happening to you.
Kornpat Ae Sukhom/Facebook
Wow, this single father in Kanchanaburi, Thailand, just really pulled it out of the bag for his two sons. 

Chatchai Panuthai made sure his children Imsome, 3, and Ozone, 5, weren’t gonna miss out on any of the fun at a school event ahead of Mother’s Day, which is celebrated on August 12 in Thailand.

Close friend to Chatchai, Kornpat Ae Sukhom, caught the entire incident on camera and posted it to Facebook on August 9 much to the delight of social m
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edia users.

The video shows Panuthai and Ozone at the school’s Mother’s Day ceremony, during which children usually kneel at their mom’s feet as a sign of gratitude for everything they have done.

Sukhom’s video has since gone viral and received over 6,000,000 views as of Monday morning (August 13).

Mr Parnuthai said:

I’m a single dad so I just wanted to make sure that my two sons were happy.

I was a bit embarrassed, but it meant that they could take part like their classmates.

Fellow parent Kornpat Sukhom, 36, who also attended the event with her own children, heralded Parnuthai as the ‘best mother’.

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Posted by Kornpat Ae Sukhom on Thursday, 9 August 2018

She added:

In Thailand if it’s Mother’s Day, every mother has to join in activities with their children at school.

The children’s parents are divorced and the mother is now living in Europe.

This is why he showed up to the school wearing a dress to take the place of her in the celebration.

He wanted the children not to feel left out because their mother had left them.

In Thailand, August 12 is celebrated as the birthday of Her Majesty Queen Sirikit and the nation immerses in celebrations. As the Queen is also regarded as mother to all Thai people, this day is also celebrated as Mother’s Day.

Since 1976, the celebrations for Queen and for mother are held every year without fail with Thai people unanimously commemorating this day.

Not only limited to birthday celebration of the Queen, Thai people also take this day as an opportunity to thank their own mother for her unconditional love. Mother’s day morning in Thailand starts by giving alms to the monks.

Following the Thai tradition, kids kneel down before their mother to show their love and gratitude. They present her with white jasmine flowers or garlands, in return, the mother gives her blessings to the kids.

White jasmine flowers aren’t uncommon in Thailand as they symbolise maternal love. The white colour of the flower symbolises purity of mother’s true love, which will never change.

Charitable activities, donations, offering to monks are also an important part of the day to express child’s love and gratitude towards mother.

What a remarkable sentiment delivered by this father. Breaking down barriers and turning something that he and his sons may well dread into something light-hearted and interactive. An inspiration if I ever saw one.

Keep doing you, Chatchai. A gentleman and a scholar.

If you have a story you’d like to share, please email us at stories@unilad.co.uk.

Read more: unilad.co.uk
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The Raspberry Pi is a credit-card-sized computer that links into your TV as well as a key-board. It is a qualified little computer which can be made use of in electronics projects, as well as for most of the important things that your desktop COMPUTER does, like spread sheets, data processing, browsing the internet, and also playing video games. It likewise plays high-def video. We wish to see it being made use of by adults and kids around the world to learn programming and also digital production.

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Manuel Gudiño began educating pet dogs in 1974 under the mentorship of Don Chucho Reyes. His first experience in the competition ring was handling Rough Collies, and by 1981 he was receiving obedience with a Doberman, San Mateo's Blonda P.U., T.T., earning the first Utility Dog Title on a Doberman in Mexico. Jump Beginning Pet Sports is concentrated on aiding owners educate their canines a wide range of skills from fundamental obedience commands for starting canines, up via Competitors Agility, Obedience, Rally Obedience as well as Frisbee. Mentor is done using positive training me
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