• Content Count

  • Joined

  • Last visited

Community Reputation

15 Good

About VaSwtness

  • Rank
    Impressive 100+ postings

Profile Fields

  • Location
  1. Awesome! We will do that. If any more problems arise; I know where to come! It was the initial shock so I've at least had time to breathe and clear my thoughts.
  2. Hi all, Capital One Bank takeover of Chevy Chase Bank has resurrected an old, beyond SOL, was included in BK in 2005 debt by sending us a 1099c today for the amount of $922. The initial thread was here: So, besides calling these dildo's tomorrow, what other steps do I need to do at this point. Call IRS, BK attorney, Trustee, or what? A phone call may take care of this tomorrow but I'm not holding out that this will happen. Not with Capital One. To sum this up, the initial debt was incurred in 1997 for a 5 yr in
  4. I noticed for our county high schools starting next year they have made personal finance a mandatory class between sophomore and junior year. My daughter took it as an elective this year (called plain Finance) and it was only half a semester. At least she has the basics and hopefully won't make the same mistakes her father and I made or at the least understand the way it all works. We have a rising high schooler next year so this gives us hope for her as well. I agree every student should take this course!
  5. first name_middle initial_last
  6. It's been forever since I last posted anything even though I lurked in the background religiously!!! Now, I'm back and need some advice and help! Anyway, new potential problem that I haven't a clue how to handle at this point. I'll try to explain with as much info as I have at this point. DH and I bought a car in 2006 and financing was done through Capital One at the time or should I say one of their companies they contracted through. We ended up with ACC Consumer Finance. Zero problems with payment history. Used this tradeline to improve credit scores at the time and have been successful
  7. I've used Alli in the past and then got away from it and strickly watched my intake and exercised. I think it works but you must drink lots of water and exercise. The idea behind it is to 'clean' out your system when you eat the foods you're not supposed to... So, if you are eating better, then using Alli may or may not work for you like you think. Word of warning... don't take it if you are not going to be near a restroom.
  8. I've used both the Wellbutrin and the Chantix. Wellbutrin did not work for me; wasn't strong enough and I smoked right through it all. I started the Chantix this past March 31 and quit April 9. I continued taking the meds for 3 more weeks. I think I'm the world's greatest promoter of this drug~!!! My DH started taking it to prove he could smoke through it that it was all a mental game. He quit April 17. Neither of us has any desire to smoke again and it makes us both sick to be around people that do. Oh, and I never realized how awful I smelled from smoking until I quit~!!! DH had the
  9. And I received my email~!!! Setting my reminders.
  10. Hi Folks, Thought I was done with collections and court proceedings FOREVER but it looks like I'm headed back one more time. So, need some help. I'm in the process of finalizing our answers/defense to the attorney's Bill of Particulars. Of course we had the initial hearing and this is what the judge ordered. Little bit of background. This is for HOA dues; 2007 & 2008. We bought the house end of March 2007 and the dues were to be paid by the Bank which owned the house. I have that letter. 2008 weren't due until June 1,2008 which I paid and cleared my bank last week of May. Invoiced
  11. we did not reaffirm when we went through BK on either vehicle loan. We continued to pay the payment each month with no problems HOWEVER and UNTIL.... we paid 10 days late to Ford Motor Credit almost a year after discharged. The repo guy nicely came into my husbands work to inform him after hooking up to the vehicle. He did drop the car, we pulled money out of 401 and paid it off completely. So, the however part: if you are currently late on the payments I'd reaffirm definately if you want to keep the vehicle. If not, I wouldn't reaffirm and just keep making payments and hope that the abov
  12. We've been on a repayment plan with them for 3 years now. Over $10k down to about $4k. Dang AMT got us 2 years in a row. Anyway; the IRS states on the website and the initial postcard that came out the rules regarding back taxes. Unfortunately; they will keep it.
  13. wonder how long it will take them to send me a letter telling me they are keeping my $$$??? At least by my next tax filing; I'll finally have them paid off.
  14. Ditto! Luv them Skins and hate those Cowboys! Lived in Marumsco Hills area entire life up until 10 years ago.
  15. I've done WW a few times and it really does work. The ice cream is good. You can also buy Bunny's (?; I think that is the brand) as it has the same or less in points. I still have tons of cookbooks from WW, recipes, tips & tricks, etc which I can post if anyone is interested. Or maybe do .pdf's to email out. That being said...count me in. I always need encouragement and my new pilates package for xmas needs to be used!!!