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Everything posted by jeff6898

  1. My wife has a $3,000 collection on her Experian report. It ws paid in full by insurance. I disputed it on 1/19 on 1/20 got a email saying results ready. CHecked it and it said verified. HOw is this possible verified in 1 day when it isn't even valid? I have proof that it was paid in full by insurance. What d I do now?
  2. No the sons friend is not my wife. He never went to jail we just went to pick him up from the police station. He is a minor so they asked my wife her name and pulled up her drivers liscence through the computer and said he can get the rest off of that. Fl dl doesn't have ss#'s on them. I dont remeber remember if he asked for her ss# to be honest. Anyway the other kids parents went to the police department to get a copy of the police report. THey refused that request but told them they could give them my wifes information so they can contact us about what was going on. THey gave her a print out of her DL which of course has her address, dob ect. Then for some reason they also gave her another paper with her social security number on it and home and work number. This was all seperate from the police report as they refused to give that to them. I am not excusing what my son did I'm just wanted to know if what they did was legal? THis person could easily have commited identify theft with this info,which I know they wont just the idea of it.
  3. Not sure if this can be answered here but thought I would give it a try. MY son and his friend was arrested. Friend mom went to get copy of police report. They refused but for some reason gave them all of my wifes information including her social security number, dob, dl#, address, home phone number and copy of DL. IS it legal to give out her ss# ?
  4. Got a call from a attorneys office called Wagner and Hunt today at work. THey are calling for a debt owed to Dell computers. I bought it i2006 so the it is still with in the SOL. THey wanted my bank account number to take out payments I can't afford. I said no. They said if I don't agree to it they will file a lawsuit. Amount owed with fees they said is $2,000. SInce our income is considered below poverty level can they still garnesh my wages? Also I asked them not to call me at work anymore and they said the can call me anywhere they want since they are attorneys is this true?
  5. I am filing chapter 13 to save my home. If I find out I forgot to put down a creditor will the debt still be discharged in the end or only the ones that are listed?
  6. Jeff, Can you be more specific about your situation? Got 90 days behind last year due to loss of employment, was out of work almost 3 months. Got new job, pays a lot less. got 2 moths caught up but took everything I had. now I am 90 days past due. . Tried to send in a payment but it was refused. THey said they want Feb, March, April payments plus late fees or they will acclerate forclosure process. What type of loan do you have? conventional 2 year Arm How much is the home worth? $185,000 12/06 appraisal How much do you owe? $148,000 counting late fees and pre-pay penalty Can you afford the payments going forward? Yes I can Any idea of your credit scores? 495 515 514 will be lower once 90 day late hits. Probbaly not the smartest thing to do but thinking of another chapter 13 to keep home The investor is looking for a "short sale." This is when the lender will be willing to negotiate to keep from having a foreclosure sale. With a short sale, the lender will weigh the options of either getting more money from the short sale, or getting more money from auction
  7. I am not sure, the market here has took a huge nose dive.
  8. I sure haven't found a better solution. For some reason the guy said the investor wants to wait until a actual foreclosure date before he does it. Can't figure out the reason. Pay off will; just increase then with the fees.
  9. Found out they are it is listed under collection bureas collections servicres.
  10. Finally found the website I don't see them listed though. Guess I need to figure out what the letters stand for and try that way. http://www.flofr.com/licensing/licensecheck.htm
  11. For some reason I am having a hard time finding where to go. So does anyone know if CBCS is licensed to collect in Florida? THye are trying to collect a 3 year old bellsouth bill.
  12. Thanks for all the replies, guess what I will do is when he shows me papers I will take them to a real estate attorney and have them look it over.
  13. I will do that. I have no idea how thye do it to be honest.
  14. Due to being behind on my mortgage and unable to get refianced, I am being threatened with foreclosure. I found a company that has a investor that will by the property, pay off the mortgage and rent it back to me cheaper then I am paying now. He said I will actually be on the paper as owner as well and will have to buy the property back in 2 years. ANyone have any experiance with this? Is this a legit way to keep my home?
  15. Thanks for the replies. I am going to send off a certified letter siting the statutes you gave and demand removal.
  16. I haad a CA Global Vantedge put a mark on my cr with out never notifying me first so I could dispute it in the 30 days. Found out they wwere not licensed in my state. This caused my score to drop during the time I ws trying to refinance my house. Wrote the attorney general,ftc ect. It came off with in 3 days. NOw though I noticed they pulled my credit and put 3 hard inquiries on my report in a week. Do I have a lawsuit here or just a wat to get these inquiries removed?
  17. well I went ahead and paid 225 to credit one and 200 to orchard. We will see what it does and I will let everyone know
  18. Bummer the broker I was using to refi my house told me if I paid $400 towards the dell it would increase my by 7-10 points. I should have known better
  19. I have a Dell account $1,500 limit balance $1,456 orchard credit card $300 limit balance $280 credit one card $250 limit balance $250 I have about $400 to pay. Will I get a better increase in score by paying the $400 towards the dell account or $200.00 each towards the 2 credit cards?
  20. To give the quick version. She called me weds 11/15 says I been approved 85% LTV pending appraisal. She said she works with a certain appraiser and he can appraise me at $185,000 which is needed. Meet her Friday 11/17 sign paperwork. Calls me MOnday to let reassure me of the approval and appraiser will be out Friday the 25th. (Still don't know score). Emails me Weds the 22 saying appraisal cancelled. Hmm decide to call to find out why. She states when she pulled my score on 11/14 I had a score to meet approval. She said the lender pulled on 11/22 and it showed the 499 middle so LTV went to 80%. wouldn't be high enough appraisal to make the 80% LTV so refi a no go. Calls me back 11/24 ansd says good news she ran my scenerio through a program and it says if I pay $467 towards bill she could do a rapid rescore and it will go back up to the score needed for 85% LTV and we good do the refi. Problem might be I would be 60 days late 12/1 on mortgage. She called friday 11/25 said the bank called her back and said the 60 days wont be a problem as long as I pay the money in order to do the rapid rescore. So here I sit do I or dont I do it. If I do and it doesn't go through I am in trouble as I am using my payment money to do this. Don't know weather to believe her or not. I am trying to refinance my house. I have 2 Bk's showing ect. I believe my middle score is around 525. I'm really not sure the broker wont tell me what it is. She says she has a pre aprroval for 85% LTV. She wants to send a appraiser out this Friday at a cost to me of $450.00. She states she works with the appraiser alot and he siad he will get the figure we need. I am not so sure. I asked for something in writing showing a pre approval and she said that the lender doesn't do that. I also didn't get a copy of a GFE. Its been 2 weeks. I hate to spend money I dont have on a appraiser if iI am not truely pre approved or it wont make the vaule we need. ANy opinions? Oh well doesn't matter anymore she emailed me to tell she can't get it done. Yes you rerad that right emailed me didn't even bother to call. She did give me a round about score though. She said last week when she had the " approval pending apprasial" my middle was 523 . She said lender pulled credit yesteray and middle was 499. 24 point lost in a week. Guess I could understand the approval being revered now due to that. Now she Emails me back and says if I pay $470 towards one of my credit cards she can do a rapid rescore and it would bring up my score enough to refi. She claims she got the lenders approval and it will be no problem. I am not sure what to do. To pay this much and find out it still won't go through will be diaster. I did finally get a copy of the GFE can you take a look and tell me what you think. THis would be a loan for $157,500 house vaule ? $185,000 Interest rate 9.750%
  21. I deleted them becuase I have no ide what my scores are. AT first the broker wouldn't tell me. Then she said about 525. THe lender pulled it the same week and she said he only came up with a 499. So she is having me pay $467.00 towards a bill I have and will do a rapid rescore that she says will boost it up enough to do the loan again. Long story behind what I been through with this broker. Will be more then happy to share it of you like.
  22. It is for a refinance terms are 2/28 arm full doc with a prepay penalty.
  23. THis would be a loan for $157,500 house vaule ? $185,000 Interest rate 9.750% Iems payable in connection to loan Appraisal fee 400.00 mortgage broker fee 1.000% +$ 400.00 1,975.00 underwriting fee 1,012.00 flood certificate 15.00 Title Charges Closing or Escrow Fee 125.00 Title Insurance 904.00 FF9/Alta8/Endorsements 150.00 Courier Fees 50.00 Government Recording Recording Fees 200.00 mortgage doc Stamps 550.00 Intangible Tax 314.00 Estimated Closing Cost $5,695.00 Compensation to broker(not paid out of loan proceeds) Florida HOmetown Mortgage 0% to 1% 1,570.00 Purchase Price/Payoff 152,485.00 Loan Amount 157,500.00 Est Closing Cost 5,695.00
  24. How can I find out if they are one of the ones that don't need one before I send out the intent to sue letter for trying to collect with no license?
  25. I don't know if they are any of those things. All I know is that they are a CA located in Sonoma, Ca
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