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Everything posted by almost_there

  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. My mom, who lives near Sioux Falls, SD, recently had some mail returned to her. A postal worker was stealing mail for awhile. The Easter cards she had returned to her were from 2008. The guy had a warehouse in another city where he would take the stolen mail. He apparently was stealing cash out of greeting cards and Lord only knows what else. Both my mom and my grandma got items they had mailed back within the last few days, after this man was caught. Creepy. When a person really thinks about all the ways we are vulnerable to these types of theft of our info. it's almost too much to wrap your head around.
  3. 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 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.
  4. I've been gone awhile, but I just wanted to add that I think this is a good conversation to be 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.
  5. 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
  6. Mindy, Welcome! I agree that usury sucks and I also like Duran Duran Looking forward to hearing more from you!
  7. 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!
  8. 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.
  9. 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.
  10. My immediate reaction to the headline "Oh God!" I then got about half way thru the article before giving up, thinking "thank God I own my home" I can't imagine that this housing crisis stuff is going to end any time soon when the people that drove us off the road are still behind the wheel, in one way or another. It's very clear, to me anyway, that the valuable lessons that this crisis has to offer have been wasted on more than a few. Well that and that the crimes (IMO) that helped in creating the crisis continue to go un/under reported and the crimes are still (possibly) in progress.
  11. 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!
  12. 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.
  13. 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.
  14. 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!
  15. almost_there

    Tax ?

    I need some help....I usually file my own taxes. I use 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!
  16. I had a friend mention to me one time that there was seriously messed up stuff on Craigslist personals, but when I took a look I was mortified. The things going on in that part of the site are truly disgusting! Some are just funny but most are exactly what the story says. I've looked, purely out of curiosity , twice and then went and told my husband "guess what crazy $h*! I read on Craigslist?" I love the site for buying and selling things, but buying or selling sex is a whole 'nother thing!! I'd say they need to shut it down, that part of the site I mean. I also don't know which is worse, buying and selling sex or the people on there looking to cheat on a spouse/significant other for reasons they try to justify..."the bitch cheated on me, now it's my turn" or "I'm about to get married and looking for no strings attached fooling around..." Sad.
  17. Up until about a month ago, I was a PCA/HHA (Personal Care Aid/Home Health Aid). I've also spent the past several years as a special needs parent, foster parent, and child care provider. The bottom line is I am a caregiver. Although, I am now looking to prvide more care to myself and less to those around me (save my husband and youngest child.) Our oldest is safely transferred to her adult group home and suddenly I have more time and energy than I know what to do with! I'd like to pursue writing, life coaching, and possibly ministry. Maybe I can be a credit repair coach
  18. Uhhhhh, thanks? You do realize that this wasn't my personal story, but rather a link to a story someone else wrote about having our time wasted by other's errors or bad customer service... Yeah I do like to play nice, but I certainly like to learn a thing or two from the bad asses here on CIC! :lol:
  19. Thanks for posting this, I'll be sure to set my DVR in case I get busy with something else.
  20. Good point, JQ...however, if the time spent driving is put to use learning - by listening to audio books - it need not be wasted. I doubt that is what people are actually doing, but if they were at least they would be using the drive time to enrich their minds. I can't put a price equivalent on that but as our society seems intent on dumbing itself down, it could turn out to be rather valuable after all. If I had such a long commute, I think I would get busy learning a second language. As it stands right now, when I get put on hold I put the phone in "speaker" mode and work on other things until the rep gets on.
  21. Not entirely credit related, but something I thought this forum could appreciate... The Time Tax We hate to spend money needlessly, but how much of your time are you giving away these days to fix seemingly small mistakes that other people -- and companies -- make? I just spent forty five minutes on the phone with an irritating woman from Credit Collection Services (CCS). They've called our house for months trying to collect $175. The thing is, we paid the $175 last November. It was a medical bill for my daughter. We held off payment while waiting for an insurance payment, but the medical company sent the bill to CCS. You might think that the medical company, after cashing our check, would have notified CCS that our bill was paid. But nooooo. Instead, CCS continues to call us. And they now require that we mail them proof of the canceled check. So, in addition to the forty-five minutes I spent online and on the phone with CCS today, my bookkeeper has to spend at least an hour getting a copy of the canceled check from the bank, scanning it, and mailing it to CCS. And this bill is paid! Our American "health care" system in action... Welcome to the Time Tax.
  22. Been following all this, watching it unfold, trying to stay positive but yet have this gut feeling that I need to "hunker down"... Yesterday, while reading a favorite spirituality site of all things, I came across a reference to Chris Martenson. Wondering if anyone here is familiar with his site, which has a 20 part "Crash Course" on the state of our affairs. It's good at explaining how our monetary system works, an overview of some of our country's financial history and milestones...I'm only part way through the series but have made it 16 of 20 "chapters" before the site went down for routine maintenance. I just ask if anyone is familiar with his work because it's so "off" what I hear in the MSM, or even what I learned in public school, especially when it comes to how our money is created and such! I now know what a fiat money system is and what fractional reserve banking is, among all the information offered this is just a teeny bit. My intuition has been telling me to get out and stay out of debt as a means of self protection. I'm looking so forward to buying our new house and not having to play the mortgage game any longer. We're planning on having a garden, learning how to do more canning, we also want to get into composting and recycling our rain water. The bottom line is self sufficiency. I only wish I had more gold than what we wear on our fingers. I think things are going to get ugly, we will see the errors of our ways having made DEBT the basis of our economy, and we will recover. But how ugly things will get or how long it will take to recover I do not know. I will say this - I don't think this is or has been a partisan issue. I think it's systemic and there are no easy answers. It might feel like hell to some, but ultimately I still have hope.
  23. Two stories breaking over the weekend are, strangely, a good thing to see. From my perspective the following articles are bringing to light a crime that's time has come to be exposed. I say it's a good thing strangely because under normal circumstances I wouldn't be relieved to see stories of corruption and large corporations suing one another. But these haven't been normal circumstances. From Bloomberg and Forbes... AIG Sues Countrywide for Misrepresenting Mortgages and The Next Mortgage Mess: Loan Servicing? Servicer's are screwing people on both ends, the borrowers and the investors. I pray I wake up one day very soon to see this story broken wide open!