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almost_there

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almost_there last won the day on September 24 2009

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core_pfieldgroups_99

  • Biography
    I have a great husband, 2 beautiful daughters, and too many interests to mention!
  • Interests
    Spirituality, wellness, parenting, writing - working on my first book, singing, cooking, etc.......
  • Occupation
    Wife, mother, foster/adoptive mom and advocate, Home Health Aid (aspiring Minister and Life Coach)

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    Minnesota

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500 posts and hasn't been banned yet....

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  1. Hey all! I had to go back and see my first post to see when I joined this site - hard to believe it's been like 7 years since I first posted anything...probably was lurking before that I check in once and awhile, less often when my credit is doing just fine Wanted to update everyone with good news. After buying our house last year with cash, we're beginning some of the big remodeling tasks this summer. We moved our money to a credit union around the same time we got out of Ch. 7 and haven't looked back at big banks. We were able to get a home equity loan and refinance our auto loan, all with the credit union, about a month ago. Our credit is actually the best it's ever been, with one big glaring baddie in the bankruptcy, otherwise no more collections or even any lates. We've really hit a great stride. I even started my own business last fall. If someone had told be in the midst of bankruptcy that I would own my own home and my own business within a couple of years, I would've said "no way" but here we are! I've got to say thank you to the people on this board that have helped me out along the way. I routinely suggest to people having credit issues to come and check out these forums - I wish more people knew the info. that's available here and I think what you've created here Kristy is a real public service! So thanks to everyone and hopefully I won't ever need help here again!
  2. This didn't stop our mortgage servicers in our Chapter 13. Something smells rotten here to me, Methuss. I know you keep saying it was simply an error on BoA's part, but I wouldn't put money on that! Momindebt - I really feel for you. I've been where you are...we were 1/2 way through a 3 year Chapter 13 when we discovered our servicer paying out escrow, leaving us with a balance when we didn't have an escrow set up. We had an escrow going into the Chapter 13, for forced place (bogus) insurance, we HAD insurance for the entire duration we owned the house and our lawyer, when we filed, said "just let it go through" didn't even TRY to argue to the court that Countrywide was asking for more than they were due. I wish I could say we had a happy ending with that, but we didn't. One story that scared the bejesus out of me was of another couple that made it all the way through their Ch. 13, case dismissed, and then BAM! There came Litton Loan Servicing (who took over our mortgage from Countrywide right after we had filed) and said "you still owe us $20,000" (it was fees and escrow that piled up somehow during the BK)! Methuss, now I know that was probably illegal based on what you are saying, but again when I took that fear to my lawyer after we discovered Litton was charging us fees and piling up escrow, his advice...convert to Ch. 7 and let it go. Attorney's don't even want to fight for their client's it seems and that's if the client has the means to offer them money. I can't even tell you how many injustices I've seen in my short life just go unchallenged because a lawyer, or several, simply turned up his nose on taking the case! Unbelievable really....and very, very sad. We decided to convert to Ch. 7, it was the solution for us at the time. We are much better off...now...but it was hard and so, so scary at the time. We had other factors that contributed to that, however, Momindebt seems to have a much simpler issue at hand and seems totally fixable. So, don't do anything rash, Mom, like Methuss has said just try to stay calm. Panic will not serve you. And I certainly don't mean to scare you, I really feel for you and wish you the best and Methuss is one of the best people on here to be giving you advice, he is much more knowledgable than I - however I just don't think things, especially when it comes to mortgages, banks, bankruptcy, etc. are so black and white anymore.
  3. I've been gone awhile, but I just wanted to add that I think this is a good conversation to be having...in a respectable fashion, which it seems it has here. I think what's missing from the conversation is the need for financial literacy in this country. I racked up debt and probably looked about as irresponsible as I could as a young 20 something. My irresponsibility was really financial illiteracy. Then I found this site. My reformation was part determination to change my own behavior and part obtaining the right information to be able to do that and also to understand my rights under the law. There aren't alot of sites that I claim had the impact on my life that CIC has.
  4. Finally some relief for strapped student loan borrowers! The Federal Student Aid site This program has it's own Some families won't have to pay anything, while some will have a much lower payment. At first I thought this might be a hoax - I watched the cartoon first - but then I got to Googlin' and found it's totally legit. I heard it first on Facebook
  5. Mindy, Welcome! I agree that usury sucks and I also like Duran Duran Looking forward to hearing more from you!
  6. Thank you very much for that advice, Glitter! I think I am a very lucky parent to have staff and medical professionals so involved with my daughter's care - everyone on my daughter's "team" really go above and beyond for her...which can sometimes really take a load off my and my husband's shoulders! Also, the "little bird" had a learning experience with all of this, too. We've all gotten more information and that has eased our fears considerably!
  7. Thanks Glitter, I'll be sure to check into that book. I've also enjoyed the movies "Maxed Out" and "In Debt We Trust" - I find that the more I learn, the less safe debt, especially incurred with large corporate type businesses, seems to be. Which has led to quite a change in how DH and I handle our affairs.
  8. Thanks everyone for your input about this. I spoke to my daughter's doctor today and was well assured that if we stress the importance of good hygiene(handwashing) to our daughter and staff keep things clean she should be in no greater danger than she would be, say, in school. Although in her home it would be a slightly greater risk due to closer quarters. As for the "little bird" I am well aware, as a former health care worker myself, of the violation that has taken place. And I do trust her with my daughter, she's done a fabulous job with her. I will continue to keep an eye on all things pertaining to my daughter and watch for any problems or potential breaches of policy.
  9. Hey all! Wondering if anyone has any experience with the "super bug" MRSA? My daughter is living in a group home for developmentally disabled young women and they are moving in a new client that has it - a little bird told me about the MRSA, concerned for my daughter's and the other client's safety. This little bird could lose her job for informing me of this, but the company that runs the homes wasn't going to. My daughter is in overall good health, but frequently has open skin due to some of her behaviors. The staff may know enough to wash their hands well and use universal precautions, but the other roommates certainly don't have the rationale to do so. I am worried this company is knowingly putting my daughter and the other client's at risk by bringing in this new girl. I don't want to remove my daughter if I don't have to - the staff are great, she has difficulty with transitions as it is (a move would be very upsetting) - but I also want to protect her. Safety is always #1! If anyone has experience with this disease and can advise, I would be very grateful. I've gotten mixed "answers" from researching it online, some sites claiming it's not that big of a deal while other's say avoid it at all costs. If nothing else, I will talk to my daughter's doctor but I thought I'd run it past ya'll first. P.S. I also found out that this company has another home that started with 1 MRSA client and now all 4 of the client's have it, so obviously they didn't keep it from spreading in one of their other homes. The company gave my daughter's home hand foam and claims to their employees that this alone will keep everyone safe!
  10. Sorry to hear about the loss of your mother-in-law. I pray that you and your partner will find comfort and I also pray that our country will have equal rights for all very soon - we're getting there, I hope you can take heart in that. Although it is sad that it seems to be taking so long.
  11. Someone asked what we're going to do now with no mortgage...well we're currently on just one income so there isn't a lot of extra at this moment. I'm focusing on the work we have to do to the new house but hope to get a new job within the next couple of months. I also just paid the state of Minnesota our tax bill. Also on my way to the airport now,(love my Blackberry!) heading out for a week in AZ that's all paid for. I might use my CC to pay for my rental car but I have the amount already subtracted from my bank balance either way. All this and a year ago I was losing a home and in bankruptcy! I guess that means it worked for us as intended - our lives and habits really haved changed.
  12. At 3:30 this afternoon, we paid off our new house! The closing agent gave my hubby a can of pop and our real estate agent said "I bet you won't even finish your drink this will be so fast." We signed a few papers, handed her the cashier's check, and it's ours! Total cost: $13,597.80 + the tax penalty for withdrawing the IRA, which we'll have to plan for paying next tax season or increase our withholdings for the remainder of this year. Either way, we are now home owner's - with no mortgage. I've also paid off an old Charter bill that we had forgotten about when we moved last fall, misc. medical bills, and I have a zero balance on my one and only credit card. Have zero collections and intend to keep it that way. We've never been this close to being totally debt free and I must say, it feels damn good! Good enough to keep working at it until it's all gone! Student loans and car payment...NEXT!
  13. almost_there

    Tax ?

    I need some help....I usually file my own taxes. I use TaxAct.com and filed my Federal return already, already got the refund. I waited to file my state return because we owe $ and I wanted to put it off until it's due, which is next week. I am going on vacation Tuesday, so need to send it off before I leave (my husband wouldn't have a clue to do it LOL) So here's the issue...last year we lost our home, went from Ch. 13 to Ch. 7. When it was time to get all our tax info. we had nothing from the mortgage companies regarding the loss (1099-A) and went ahead with our tax prep and filed the Federal. Then about 2 weeks ago, around the end of March, we got the 1099-A from the 2nd mortgage company. It states we are not liable for the repayment of the debt. We've gotten NOTHING, nothing, from the 1st mortgage company - not even anything regarding the sale of the old house! Anyway - Do I need to amend my Federal return? Can I file my state and amend both at a later date, when I'm not so crunched for time? This shouldn't impact us as in owing more, because of the bankruptcy, right? Is there a penalty to the mortgage company for not sending this sooner than the end of March? I'm just so frustrated that they didn't send us the 1099 back in January when everyone else had to get us the info. because this is just confusing to me. My hubby wonders if we even need to include it in our taxes because we aren't liable for the repayment of the debt, but somehow I think the IRS might not see it like that! I would really appreciate any help/advice anyone might have. Thanks in advance!
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