> > my friend worked in US with H1B visa for 6 years, he was laid off last
> > month so he couldn't pay off the debts he made in the states,
> > the debts include car load (about 15K US$), credit card outstanding
> > balance (about 7K total). it's the worst time in his life so he
> > decided to leave the states without any notification. the questions are:
> >
> > 1> what will banks/creditors do in his case? (alien worker lose job in
> > the US and couldn't pay off and couldn't stick in the country for
> > long due to visa issue)
>
> If creditors know of his connection with Canada and India, they may
> try to locate him there, using normal skip tracing techniques. They
> may try to sue him in the US, and whether they can get an enforceable
> judgment depends on imponderables, including your friend's legal
> domicile and other factors relating to jurisdiction. If they get a
> judgment, even based on service (notice) abroad, that judgment should
> be enforceable anywhere.
All your assumptions are based on IF THEY KNOW YOU ARE IN CANADA. I know
many people on visitor visas here and get credit cards and run away and
never pay the bills. If your balance is $1M, then you may run into trouble
if you come back to the US again. Otherwise, just change your first name and
apply for another SSN before you borrow again. It is pretty difficult for
Americans to get a second SSN, but super easy for foreigners to get more
than 1 SSN. Let me tell you an even more shocking truth. You don't even need
a real SSN to apply for a credit, as long as the SSN is not used by anyone
yet, then there is no such SSN/Name pair in credit report history. There are
people who just type a random number to see if somebody's name will come up
with this SSN. If not, they will apply for credit cards on this fake SSN,
and keep it for several years to build a credit history then borrow big then
gone. It is just one of the stories that not told to the public yet.
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