Author Archive

Our BIG Mess, now seriously considering BK [good fight] [judgement]

I haven't been around awhile, been fighting the good fight but now we're tired. When you go to a lawyer do they explain everything? Is there anything we can do to protect some of our stuff, the things that really matter to us?
Mr. Taco is self employed contractor, we have about 80K in business related debts. $34K demand from one client, $10K bond payout which we have to repay, and $32K judgement from other client. I probably could come up with others.
We have just refinance

Has anyone had any luck taking their own terms to the mortgage lender? [mortgage payment] [mortgage lender]

I'm curious if anyone has any luck was on its own terms to a lender. For example, you are basically treading water
Say between your mortgage payment and exchange. They have a $ 1950/month mortgage payment at 7.25% and includes PMI . oh, and at the age of outstanding credit. reasonable, however, minus the possibility of your lender, you have decided that you walk out of the house due to the fact that your income is down, and you are going to probably not be able to make the payments, as

Has anyone disputed a charge with Penfed? [receipt] [ty]

If so . how does it work? I've actually never disputed a charge with anyone, but last week I had a dispute Penfed faxed. I see nowhere that the disputed charge. I do not see where they have even acknowledged receipt of my dispute, although I know the fax went through (at least on my end) 0.
I go through them please – I know they have good CS, but I will not have to to name, if it's just me as impatient.
TY 's!

JDB#1 Buys CC after default but does not Collect. [debt collector] [federal lawsuit]

I'm almost positive that there are two cases, the FDCPA JDB # 1, which is a charged-off account CC buys already in default a legal successor, if not a collection activity.
And a debt collector if they do.
I 'm in carry out a Federal complaint said with an evil JDB and could actually cited a hand here with the case.
Reason is JDB2 JDB announces more than OC and has to put their guns on this claim.
Pleeze is anyone.
The judges seem quite receptive to idea that con

Can I file by myself? [jfcu] [filing bankruptcy]

The mortgage is my name only, I have $85k in cc debt in my name, and I have a car loan through JFCU. I lost my job last Feb and luckily found one in August. But that 8 months off work cost me. Filing bankruptcy by no means makes me feel good, in all actuality I am scared. But after 3 months of trying to push the inevitable I have come to realize I may not have a choice. My husband has about $50K in cc debt and a vehicle loan. We make $64,819 before taxes. I am just not sure if I should file, fil

how do u know when u are getting chopped [calculater] [usaa]

on my report, it seems, 15 soft pulls through USAA but when I use the calculater they only show 2 soft hard last past. How do you know what is hacked?

Closing Date Moved up! [august 31st] [july 31st]

So our first original closing date on our new construction home was 31st August. The reason why it has been determined at this time to deal with was because our house was not soon begin to start until the first week of April and since built DH and I had to clarify some issues on getting the credit loan.
Well said the architect that his goal for 3rd Week of July, so we set our close date to 31 July, we were really well paid all our collections and conditions.
Since there was not much ra

Truecredit and Creditsecure [creditsecure] [truecredit]

Hey, if you ever had a split-file, were as long as you take TC and / or CS before it happened? I pull for almost 2 months and am in addressing the potential SFS (Split File syndrome) fear.

Verification Documents not Available [verification documents] [furnisher]

Here is my progress so far .
1. sent letter to the University on 4 / 6 – they ask to prove that an account belongs to my report
2. Received letter back that the sentence was confirmed, no change
3. I sent a formal request for the description of the procedures used to determine the completeness of the information at issue, including the company name and setup information, etc. .
4. Received a letter back from the TU on its general policy . and a letter with the address and p