WILLY

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About WILLY

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    ***Let the Games Begin***

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    Texas
  1. Thanks for the advise Denita. I've pulled my cr and we have at least three tl. I was thinking about posting in the mortgage section to see if any guru's have anything to add. Thanks again for the info...
  2. My wife and I filed chapter 7 approximately a year ago. What type of home loan could we be eligible for? After 2 years from discharge, can we purchase a home without much trouble? We owned a home during the discharge but were able to keep it and then sell after the discharge date and pocket the proceeds. Would this help? HELP!!
  3. The sale of our homestead was after the discharge date and not a short sale. We were able to pocket the proceeds since we had already filed and discharged the bk 7. It appears that alot of my old negative tl have disappeared from my cr...?
  4. Do student loans count? We have had them for MANY years...
  5. We had a foreclosure about a year before the discharge but sold our homestead two months after the discharge date. If I understand you correctly, we should be eligible for a loan in twenty four months. Does a "authorized user" count as one of these three tl?
  6. My wife and I filed chapter 7 approximately a year ago. What type of home loan could we be eligible for in the next twelve months? After 2 years from discharge, can we purchase a home without much trouble?
  7. How can I get bad accounts removed from my credit reports that show me as an authorized user? I thought the law had changed and required this to stop...HELP, it's ruining my scores.
  8. While in BK proceedings, are we asked to disclose all monies spent? I regularly get cash from an ATM and spend without keeping receipt of where I've spent. Will we be required to document all our spending habits or does the trustee only look into bank transactions that are traceable...?
  9. If we are not going to make any further payments to our creditors, should we also cease payments to the relative until after BK? What about cash payments to the relative?
  10. Can I charge up my remaining available credit prior to filing BK 7? How does paying monies to a relative prior to filing BK effect filing 7? I may be filing in 10+ months and want to maximize BK, any suggestions?
  11. Does anyone recommend a BK attorney in the Dallas area? Is there a good source for Texas BK laws and advice on this forum? Any help would be mucho appreciated. I'm contemplating filing...
  12. Great advise. I'll try the cease calls to my work/home numbers letters, CMRRR. The caller ID box sounds good too but they call on a work cell phone...errrr
  13. One of our original creditors calls me relentlessly. In fact, on days that I work and do not answer their call on my cell phone, they call up to 15 times in a 4-5 hr period of time. They usually do not leave a message. Is this legal? Can this me construed as harassment? What legal action could I take against them, at least to get them to cease their phone actions? Additionally, when I do answer, they regularly hang up on me after I say hello. I can usually hear back ground noise that is similar to a call center. Any suggestions?
  14. Additionally, when I do answer, they instantly hang up on me after I say hello. I can usually hear back ground noise that is similar to a call center.