Back again. Sorry to keep coming back....take it as a ceilpmmont though!!I have a couple of suggestions following on from my last post, which would bring the project more inline with the rails project. While i appreciate it's a different project, i think you'll benefit hugely if you do follow some of their conventions so developers moving coming from RoR will pick things up even quicker. First thing is i would recommend following their folder structure a little closer, so rename "application" to "app", and introduce the "vendor" folder where you can even bake in a version of the gae as a plugin. Secondly i do think you should follow the mvc convention and call "templates" "views". And finally you could clean up the scaffolding view code to use a shared _viewname.html "partial" file, which is then included using {% include "_profile.html" %} for example.Anyways, as always, thanks for a great project, i hope i can get the point where i am able to contribute in the future.
Credit card companies won't stltee unless you are drastically past due .at least 3 months or more. Not all creditors will stltee if you go past due rather, they'll take you to court instead. Most do offer hardship programs but only if you've fallen behind in your payments. When you sign up with a debt consolidation firm, the program involves deliberately ceasing payments to all your creditors to force your accounts into default to attempt stlteements for less.  Your credit card companies will deliberately not be paid so that all the accounts will default/charge-off so that they can attempt stlteements at around 50%. If you are current on your accounts, this process will ruin your credit rating. You can never predict how your creditors will respond to the deliberate defaulting of your accounts they might stltee at 50% or they might serve you a summons, take you to court and if they win, you could be looking at wage garnishment.A better option may be to enter a debt management plan through a non profit credit counseling firm like CCCS. They can negotiate reduced payments and interest but NOT stlteements. Contact your local Red Cross or use this site for a referral:     If the CCCS does not work and you've exhausted all other means, then you should think about filing for Chapter 7-
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