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willingtocope last won the day on September 17 2018
willingtocope had the most liked content!
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1,336 ExcellentAbout willingtocope

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The Original Gorrilla...
core_pfieldgroups_99
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Code writer.
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Iowa.
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Have 550 credit score, need 620 for a home equitly loan
willingtocope replied to Dedikate's topic in Credit Repair
Gee...Kelvin's email address is 4ficorepair @ gmail ...I'm gonna guess he might be the "ethical hacker" in question. Also, while a white hat hacker MIGHT be able to get thru to one of the credit reporting sites, it unlikely he could break into all of them. -
Employee or Private Contractor
willingtocope replied to MikeB35's topic in Is There a Lawyer in the House
Look at https://www.irs.gov/pub/irs-pdf/p1779.pdf ... its probably not a yes or no question. -
"Compose New" then the button that says "source" gives you the paper clip.
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The minimum wage/paid-by-the-hour clerk that will enter your disputes into their computer system has a quota. They have to deal with X number of letters per hour. Which means, they only have a limited time to give each letter. When that time is up...they move on to the next. 12 disputes in one letter means they'll probably only do the first 3 or 4 and then move on. On the other hand, if they receive 12 different letters at the same time from what they see as the same person...they might ignore some of them. Bottom line...its a crap shoot. Dispute online if you can.
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There is no web site with that url...so, assume its a scam.
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Its not clear who will grant you credit based on this, but... https://www.nbcnews.com/business/consumer/new-fico-score-will-help-more-people-get-access-credit-n923291
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midland has their own web site...and an email server to go along with it. Its unlikely that they'd use a gmail account to contact you.
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Police officers DO NOT collect for credit card companies. If the guy that came to your door identified himself as a cop, call your local police and report him and his phone number for impersonating an officer. This was probably an overly aggressive collection agent. Send him a debt validation letter ASAP.
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Sued by Midland Funding, very new to site
willingtocope replied to smc1's topic in Is There a Lawyer in the House
Okay, enough. smc1 … your original questions were answered and the advice you've been given is correct. If your only income is social security and you've talked to Midland's lawyer, then in all likely hood your case will be dismissed. But, if the debt is legitimate, it probably won't be removed from your credit reports. It is unlikely that Midland will resell it...but...you do need to keep watch. You have no grounds for forcing Midland to do anything. -
Cancellation of debt and 1099-c from the IRS
willingtocope replied to Deborah Aultman's topic in Off Topic
Some debts "pass through" a BK...which means they're not discharged and you still owe them. It used to be that if you continued to make payments, it was understood that the debt passed thru. The laws changed around 2004-2006. I still suggest you talk to a lawyer. This specific case could be complicated. -
Cancellation of debt and 1099-c from the IRS
willingtocope replied to Deborah Aultman's topic in Off Topic
IIB = included in bankruptcy. If he filed BK, and listed trailer in the paperwork, he doesn't owe taxes. See a lawyer. -
Cancellation of debt and 1099-c from the IRS
willingtocope replied to Deborah Aultman's topic in Off Topic
If the mobile home was IIB and you didn't reaffirm it, you don't owe taxes on it. Talk to your BK lawyer for the proper forms to give the IRS. -
Cancellation of debt and 1099-c from the IRS
willingtocope replied to Deborah Aultman's topic in Off Topic
Was the car included in the bankruptcy? Did you "reaffirm" the debt and continue to make payments?