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About Newlywed

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    Impressive 100+ postings


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    Getting outta debt!
  1. Thank you both so much. Looking at this 1099-A, it says FORECLOSURE with a phone # under the Lender name/address, but no box indicating the debt was discharged in bankruptcy. Lender's listed as the first creditor on our voluntary petition, and I know I would not have reaffirmed this debt because it was the largest debt. Even if some mistake was made I haven't heard from the lender in over a year, and they sold the property for about half the FMV listed on the 1099-A. The only box checked says: "If checked, the borrower was personally liable for repayment of the debt." I have my petition &am
  2. I got a 1099-A in the mail earlier this year, but didn't think it was a big deal since we got discharged Chapter 7. My mom always does my taxes but can't do it this year cuz she doesn't understand what to do with this form & doesn't wanna screw our taxes up. Tomorrow we're taking everything to H&R Block & hope we can sort this out although that's probably gonna cost us $400. I asked my BK lawyer who said I should get a tax professional to take care of it. Does this mean I'm gonna have to pay taxes on $120k left over from the house? After just paying off an old debt not included
  3. Just got an email that my Citibank student loan was sold to Sallie Mae. I was in the process of making payment arrangements with Citibank but they said I may as well wait until Monday because Sallie Mae was taking over. Haven't found any positive info about Sallie Mae's practices online. I'm hoping I can consolidate my loans & make some kinda arrangement with them, we just went through a bankruptucy & are just starting to get back on track financially (still have two credit cards of my mother's to pay off, even though I'm technically not responsible for them via the BK). But what I'
  4. I have an opportunity to pay off a car loan I reaffirmed in a chapter 7 BK which was discharged in September. It is with Wells Fargo. We're considering paying it off to have one less bill and one less thing to worry about. Since our credit is already not great thanks to the BK, would it hurt for us to go ahead and pay this off now, or would it help our credit standing at all to pay it off as agreed in the reaffirmation? It should be paid off by November 2011. Thanks for any help and Happy New Year to all.
  5. Hello all, I just completed a Chp 7 bankruptcy and we walked away from our house. We had first (Citimortgage) and second (HSBC) mortgages on the house. We live in Georgia. We've been getting letters from attorneys called McCurdy and somebody about foreclosing, they even sent a certified letter and we didn't get it because we didn't know who they were at first. I also got a letter from the tax assessors office saying that according to their records we don't own the property anymore. I have a friend that got foreclosed on (she didn't file bankruptcy though), said she ignored any and all notific
  6. I asked her to send a C&D (assuming that is cease & desist) but she replied with the info above. I'll have my husband respond that we don't have that stuff and see what happens. I'm disappointed in this BK atty she did a great job during the BK & even seemed like she'd help with this til I got that reply above. Thank you all again.
  7. Well, it looks like I'm on my own with this. Here's the response from the bankruptcy atty They are allowed to try and collect the collateral on a secured card. They are generally reasonable to work with. I would suggest you call them and explain your concerns and negotiate what you believe to be a fair amount for the items you have and tell them what you can pay each month or a lump sum to pay it off. If you cannot come to an agreement then ask them to specify what items they will want returned specifically if no agreement is met.
  8. Altho I am gonna fight them now, I never bought the computer from Best Buy, they only repaired it and now that they haven't sent me proof of a $219 gift card I'm thinking even if they wanted to go all the way with this they'd lose on that note unless they produced another receipt. But I will definitely keep what you said in mind re: writ & court & all those fees they'd have to pay. Thanks again to all.
  9. Thought you guys might get a laugh from this. Below lists what they want back based on the six receipts sent & it's probably not even a fraction of the amount written off from the BK. 4 DVDs 2 CDs 4 IPOD accessories (I think, can't decipher exactly what the items were based on the receipt) a Car CD (cassette I'm sure) adaptor a $15 Itunes gift card a water filter 1 thing I can't even figure out what it is There are no prices or amounts paid on any of the receipts, and I don't see $305 based on the info they sent. And altho they spoke of a $219 gift card we bought, no receipt was provided
  10. I'm curious as to why you say they have two liens - is one for the gift card and the other for the rest? Either way we'll take it as far as we can and make them spend as much as we can to get this stuff back. THANKS TO ALL FOR YOUR ASSISTANCE & ADVICE!!!
  11. Thank you! I will pass this language onto my hubby to use when they call again.
  12. We will definitely do that. And yes it is for MS Student Office 2007, which is even cheaper I believe. And that's a good point, my computer did not come from Best Buy so they can't take that & I'll still have the programs even if I just end up giving them the box and disc if I can even find them. They did send a list of itemized items, but no prices or purchase dates as hubby requested. I told him to request prices and dates because we did pay off the bill in full at one point and I want to confirm what they're claiming was actually part of that balance if we have to return anything. I
  13. Oh I did forget one item! The MS Home/Student program which cost between $100-$125 because I remember having a coupon.
  14. This made me LOL really hard because the computer we revived is now 12-13 years old, & we only did that cuz hubby doesn't wanna learn a new one. Altho we need it cuz he's looking for work my first instinct is to say take it & good luck! Doing so may also force hubby into the new millennium! Thanks for the advice. Ironically I recently won a new Ipod shuffle that I was gonna donate to Toys for Tots & it's an older version than the one I have. Maybe I'd better hold onto it Hubby had all the store cards & think only for Macys (two different ones) and JC Penney. Are they know