NefertitiX

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About NefertitiX

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    Unrelenting consumer

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  1. usctrojanalum, thanks for the reply. I understand your point completely. Unfortunately, we didn't ask for the satisfaction of judgment to be published, the Division of Taxation & Clerk of Courts sent it unsolicited and now it's part of the public record. So, now that it's there, I don't think I can have it removed from the public record (if I'm wrong, please correct me). So, I at least want to limit the amount of time that its reportable...
  2. I know that paid tax liens can stay on the CR for 7 years. We recently received a Warrant for Satisfaction of Judgment. They cashed the payment on 1/28/09. The warrant says they "entered satisfaction of the said judgment upon the records on 7/15/2010". I called and spoke to the Division of Taxation and they say its due to backlog and there's nothing they can do to change the date. What recourse do I have here? I don't want this on our credit reports for an extra year and a half just because they were backed up. Thanks in advance for any advice.
  3. I have an issue and I'm going to say upfront that a good chuck of it is my fault. NYS contacted me in 2008 saying that we owed approx. $4,000 on our 2007 taxes according to their recalculations. At the time, I failed to respond because I had lost two members of my immediate family in a car accident and settling those estates were complicated and drawn-out not to mention the grief. At any rate, they ending up filing a tax warrant against us and garnishing the money from our bank account. Three months later they sent us a letter saying we'd overpaid by that same amount and sent us a refund. Obviously they were wrong to begin with. Is there anything I can do about the tax lien? It currently lists as paid but I'd like to have it rescinded/removed if possible since it was in error and it's hurting our credit. Thanks in advance for any advice!
  4. I'm trying to help my Dad. His child support obligations have ended but he is disabled and now they want him to pay the court costs from the 1980s or 90s. Does anyone know what if anything a person in his position can do to have the court cost dismissed? Thanks in advance
  5. This post was actually the repost of this post: http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=295121 which no one ever answered so that's why I was feeling a lack of love LOL. Anyway, thank you for your response. I really appreciate it. I'll hold off on applying for the second AMEX. I'm just happy to have the first and for all the progress I've made so I don't know want to set myself back at all.
  6. I'm starting to feel like maybe there's a hint here I should take. I haven't posted on the boards for a long time but back when I was a regular the community was very responsive. I see threads before and after my first recent post being responded to but not mine and so I reposted and still nothing. Am I missing something?
  7. I've spent the last few years building good credit and becoming debt free. In the last week I applied for a Macy's card and a Delta AmEx (to build Delta miles). I was approved for both. JetBlue also offers an AmEx and hubby and I use both airlines frequently as they service the different regions where our families are. Would it be okay to apply for the JetBlue AmEx too or would that hurt me?
  8. I've spend the last few years building good credit and becoming debt free. In the last week I applied for a Macy's card and a Delta AmEx (to build Delta miles). I was approved for both. JetBlue also offers an AmEx and hubby and I use both airlines frequently as they service the different regions where our families are. Would it be okay to apply for the JetBlue AmEx too or would that hurt me?
  9. Long time no see CIC! A few months ago, a family member that I was estranged from passed away and I am not a named beneficiary in this person's estate. However, I was served and am a named Defendant in a suit to foreclose on this person's home. I know this is out of the realm of the credit issues usually addressed here but I need to make sure that for public records sake I am removed from this lawsuit (there are other's named who should be responsible). Can anyone help me with the right type of motion to file to be removed as a named Defendant? Thanks in advance! NefertitiX
  10. Sorry, I actually meant to mention this in my initial post. According to Afni's letter, the debt is from 2000. Maryland's SOL is 3 years and New York's is 6. While DH did live in MD, he doesn't think this is his because it's not the phone # he had. So, if the debt is SOL and they won't go away...I'm just going to start building a case. I'm sure they won't/can't validate and will report this to the CRAs if they haven't already. So, at this point, it's a time-barred debt and they are probably going to give me cause to claim continued collection activity. I'll know in a couple of days if they are licensed in my state and city (which they have to be) and if not, I can sick the DCA on them and go after them myself. I've gone to court before so I know it's not easy but if I have to take this one the distance, I'll be prepared.
  11. DH just received a collection letter from Afni, Inc. but it's dated and postmarked March 2007. I think it got shuffled around so long because he moved to my state from his neighboring state when we got married and the forwarding order has probably expired. However, there are no forwarding markings on the outer envelope. I have my DV letter ready to go but I'm not sure how to play this. I suspect if I DV them now they are going to say that they don't have to provide validation because the 30-day window from the initial letter has passed. I don't want to lose that leverage of DV'ing in the 30-day window in case I have to sue. Should I just see if this is on his CR and then DV in response to the listing or go ahead and DV in response to the letter? Thanks, Nef
  12. He called it in on 4/24/07. I'll definitely take a look at the FCBA and see what we can do. Thanks Elyse!