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sashim80

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  1. Hello all! I got myself in a horrible situation! We allowed ourselves to get 3 mo behind on our house payment. Stupidly, I did not pay enough attention to the Notice of Intent to Accelerate letter. I have been talking to CountryWide since before we were even behind trying to keep in contact. NO ONE knows what they are talking about at this company. I cant tell you how many different things we had been told that werent true. Well, being that our situation was improving by the month, we figured we would just keep making monthly payments as to not fall anymore behind, and we thought we would be fine. Basically I figured they were just trying to use scare tactics. NOT TRUE! Please, anyone out there who is in this part of the process, DONT ignore this letter like we did! Its alot easier to come up with the amount they are askig for in this letter than the next one. Well, thats what I am here to ask about. What is coming next for us? I live in Fl. All I know right now is that the last monthly payment we made over the phone was never credited. I called on the 3rd of Sept to see why and they told me it was "lost" and would need to be researched. Well upon calling them back again a few days later they said that my account had went into forclosure on the 4th. And I cant pay ANYTHING right now. I asked them what the total would be to get back on track and they could not tell me. Now we have 6-1 (the payment they sent back or lost or whatever) 7-1, 8-1and 9-1 at $1900 each. Any idea what we are going to have to pay including whatever lawyer fees or whatever additional fees they charge might be. Even an estimate? I will sell everything I own if I have to to make this money up! Im just wondering if it is a feasable amount to come up with or should I not sell all my stuff!!??? Right now we have $6000 in the bank we could send them and we are adding daiy to that. I know Ill have another $1500 at least to add to that in the next week. In addition while on one of my calls to Country wide they finally took some of out info and I have been (preapproved??) for a forbance (sp?) plan??? They told me this would stop the forclosure but after much reading I dont beleive it???? Anyways, anyone with help/Advice on what I am looking at woud be super duper! I am 7 months pregnant and scared to death Im going to loose my dream house. Not to mention around the time I woud be bringing my new baby home. BOOOOHOOOOO Also we have an FHA loan. Im working on contacting HUD represenatives now.
  2. Hi! Everyone! I need a little assistance with a request from my mortgage company. First off all of this is so new to me so if you need any other info about our sitiuation please ask. I went into the negative in my bank account 3 months ago. I think what happened was I accidently used the wrong card out of my wallet. Well, now they want me to write a letter explaining why my account was in the negative. What should I say??? Is there a good explanation I can use?? Anyone have any expeireince with something like this?? I think the charge was for a $15 Post office charge. I am so freiking exited about this house, Im just praying that everything goes trhough without any problems. I think they have us going with an FHA loan. As far as I know our income is fine (60,000 a year), and job history (1yr). Our scores are a bit higher than below about 650's . We paid off alot of our balances before applying which brought our scores up quite a bit. The house is being built and we are paying $218,000 We put 5 grand down so far with another 1600 at closing. Maronda Homes which is our builder is putting down 3%. Think our chances are good??? Im probably worried about nothing. Hehe. Anyways, thanks so much for any and all help, it is greatly appriciated!
  3. Im posting this for a friend of mine. She is confused as to what to do here. She is willing to pay but they are expecting crazy amounts of $ at once from her. Here is her question.... I owed Best buy 2317.00. They sold my debt to EMCC who never even contacted me before sending me to a lawyer. I spoke with the lawyers office to try to work out some sort of settlement. They said I could pay 1500.00 which I did on the 13th of February. But I still have to pay the remainder in 3 payments of 272.63 over the next 3 months. I want to know if I cancel my remaining 800.00 payments, will/can they still sue me? 1. Who is suing you? EMCC The lawyer is Curtis O Barnes, PC 2. For how much? originally 2317.00, but I just paid them 1500.00 3. Who is the original creditor? Best Buy 4. How do you know you are being sued? They sent me a leter and I have speaked to them on the phone 5. How were you served? Were you served? I have not been served yet. They just said if I dont pay they will sue. 6. What was your correspondence (if any) with the people suing you before you think you were being sued? They would not take a settlement of 1500.00 but made a payment plan of 1500.00 then 3 additional payments of 272.63 for feb, march and april 7. Where do you live? Florida 8. When is the last time you paid on this account? February 13th 9. What is the status of your case (if anything has been opened)? You can find this by a) calling the court or looking it up online (many states have this information posted daily). 10. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) no 11. Did you request debt validation before the suit was filed? If not, don't bother doing this now. no 12. Does your summons require a response? (Look hard!) If you don't get a questionnaire with your summons, you are still probably required to answer it in writing. If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? 13. What evidence did they send with the summons? An affadavit? A statement from the OC? Anything else they attached as exhibits? 14. What is the SOL on the debt? RECENT, I just made a 1500 payment.
  4. Hi! I know every company is prob a bit different but does anyone know when our trade will show as paid and when the new auto loan will be put on? I think we have been approved for Franklin, Im just not sure. Im dying to know if our loan has totally been accepted and everything completly done!!! THANKS!
  5. Hi! I have a charge off with Capital one from a couple years ago? Will they flat out deny me becasue of that? Here is my info on it... CAPITAL 1 BK More about this account >> TransUnion Experian Equifax Condition: Paid Paid Derogatory Balance: $0 $0 $0 Type: Credit Card Credit Card Pay Status: Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Past Due: $0 $0 $0 High Balance: $706 $0 $706 Terms: 0 0 0 Limit: $200 $200 $0 Payment: $0 $0 $0 Opened: 10/10/2000 10/01/2000 10/01/2000 Reported: 01/06/2008 03/01/2004 01/01/2008 Responsibility: Individual Individual Individual Remarks: [TransUnion] Payment after charge off/collection Canceled by credit grantor [Experian] Account has been closed due to inactivity. Unpaid balance reported as a loss by credit grantor. [Equifax] Paid charge off Accounts closed by credit grantor Late Payments (last 7 years): TransUnion Experian Equifax 0 1 1 0 1 1 0 3 8
  6. Oh THANK-YOU!!! I guess I will use the # at the top of the letter CREDIT RELATIONS. Did they pull your credit again?
  7. Hey guys! Ok, so I have a question. I recently had an app spree for hubby which he did excellant on. He got Target $200 Mays $100 Hooters $1100 My question is.. He is getting a new car in about a month is all this new credit going to look bad or help? He hasnt used his Target yet so I dont think it would report till he does. And he hasnt opened the hooters yet either. He also has only about a month old.. Crown 1500 Should I go ahead and have him open them all so they report or wait till after the car is bought? He also has a kay application that was denied due to the fact they could not verify his addess and or phone #. Should we call them? It just appears to me his FAKO scores are dropping, and its scaring me before our big purchase!! THANKS so much for the help!
  8. I GOT IT!!! I GOT IT!!! Well, Hubby got it!!! LOL WOOHOOO $1100 Limit is TU FICO was 625. I think I should add myself as an authorized user on his account??? Im not able to get anything but Macys. Oh well, IM HAPPY IM HAPPY!!! LOL
  9. I just got hubbys response from Kay's. They say that he was not approved becasue they couldnt verify his address and or phone #. Doe this mean if he calls them he will be approved?
  10. Hi! The exact same thing just happened to me with Capital One and Northland group. Id love to see your response to them!! My letter says somthing like... Unfortunatly we are unable to process your request with the info you provided. So we can process your request please give us the flollowing info...
  11. Im waiting to!! ERRR, I wanna know NOW!!! I did get hubbys Macy card in the mail today. $100 limit but better than nothing!!
  12. Im in Fl and they pulled EQ for hubby. Just got his FICO today and its 639, No Open collections or anything. Just a closed account he was late on a couple times. I applied for Kays yesterday and I got a 20 day message. Im thinking that this is NOT good news. BOOOHOOO. Guess time will tell!
  13. Hi! My husband and I would like to get a 2nd car this year. The problem is they both have to go onto his credit due to the fact that he is the only one with a JOB. I do make pretty good money staying at home selling my handmade items on ebay and my online boutique. Anyways, this wont work due to our debt to income ratio. My question is, when the dealership asks for proof of income is thier anyhthing I can give them to satisfy this requirement. Thanks for any help or advice!! I do plan on filing taxes this next tax year, even though I am at a total loss on how to do so, LOL
  14. Well, I havent even one $29 fee yet, so doe that mean I will still get 2. Oh well! What happens if they decide to suspend us for pulling to much?
  15. Ok yall!!! I JUST got the $29 a year deal!!! This is exaclty what I did... Called 1-800-569-0117 where I pushed 000000 to talk to a rep, then she trasferred me to 877-993-6264 (she gave me the # incase we got disconnected) The automated service gave me a few options to give them my info, I pushed in that I would give my memeber Id #. Then I just waited while the automated thing asked me twice for the #. It then transferred me to a live rep. I told her I wanted to cancel and she offered the deal! AWESOME!! Im super happy!! Now I need to try with hubbys!! Hope this helps you all!!!
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