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About Rick9972

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  1. If you did not reaffirm it. The answer is no, it would be illegal for them to report it.
  2. No. Nothing here yet, but save the calls for future referance.
  3. I love this site and have used it for years. The trouble I am having is that most of the case law, dealing with this, I have found involves post discharge. I have found nothing that addresses the time between filing and discharge. Here is a comment from that site that I found very interesting and potentially disturbing: "As to a ch 7, the filing of a BK petition is a default on the contract (most contracts say BK is a default), and the total amount owing is a liquidated debt as of the date of the ch 7 filing, but it is not a late payment being reported pursuant to the contract terms, because
  4. I also have the exact same thing on my report. CA suddenly reporting a BK Medical account 3 months after discharge for the first time. I disputed it and they verified it and then removed it on their own. *shrugs* I would just see if they will remove through the dispute process. Mention in dispute that they are in violation of the automatic stay.
  5. This is a statement I just received from Experian on some accounts that I had disputed that were showing 30-90 day lates and charge offs, all occuring after I filed BK. "Experian seeks to report a consumer's credit history accurately. Delinquencies that occur after the petition date but before the discharge date are part of a consumer's credit history as they occur at a time when the consumer has not yet been discharged from the debt. Experian does not report on delinquencies occurring after the debt has been discharged." What do you think about this?
  6. In my opinion the whole PDF system is pretty much wishful thinking. It is worth taking the shot to see if you get lucky, but do not count on it. Over the years I have tried it maybe 9 times and basically been laughed at all 9 times. Generally speaking your next step depends on your circumstance. If you "have" to get the collection paid or removed proceed with the various systems detailed on this wonderful site. If on the other hand you just "want" to deal with it, if they are not bothering you about it, then I would not bother them.
  7. I agree complete with BlueEyes. I would also add that these debts are 6 years old, they really are having very little impact on your scores. Plus, if the CA is not bothering you, why kick the hornets nest?
  8. Four times in Federal District court. All four times resulted in favorable settlement terms. The process for each one went: 1. File 2. CA responds and files 12-b-6 motion for dismissal. 3. I file my response to their motion for dismissal. 4. They see your response makes sense, they call and tell you that this court action will take years and alot of your time to resolve. You reply that you are aware of this and that you are in no hurry and that you have found it is a enjoyable pasttime doing all the research. 5. Couple of days latter they call and ask if there is possibly some way we c
  9. An Ombudsman is technically a neutral property that will listen to your story, look at your information, research the issue and if they feel your story is accurate will act in your behalf against the Dept. of Education. They are employees of the the Dept. of Education and I have never dealt with them. I have dealt with Ombudsmen of other programs and found that they are generally fair in their dealings.
  10. A very interesting theory, and you forgot the elderly. I personally believe it is not true and would be impossible to prove if it happened to be. I believe what has happened and continues to happen is that certian creditors select "regions" based on demographics, such as income, unemployment, education levels, home ownership and age distrubution. They then develop and market their "quality" products in this region very agressively. I live in central KY, but have family in the Eastern coal fields. They show me some of the crap they receive in the mail and it is increditable. Thus the fact
  11. We got very lucky and got the money we still owed back. We bought in a very popular sold out development, and we rented out our points a couple of times and I made a comment to the developments rental staff that we would sell it if we could. They of course told us that they did not assist in that. Few months later I got a call from them, and they had a new s---er lined up, that would only buy in that development. We took the deal instantly and prayed nightly that the new person would not come to their senses before the deal closed.
  12. DW received phone call today from CA claiming that she owed a defaulted student loan from 1989. That she defaulted on this loan in 1998 and has never paid it. Now the Nineties were not a good time for us, being basically young and dumb. (Now we are old and not real bright) Her history basically goes: Defaulted in 1995 Consolidated all of her loans in 1996 Defaulted on the consolidation loan in 1998 Bought house in 2002 and as part of getting mortage we had to pay off her student loans. So we saved and begged and paid off her consolidated loan. Now this jerk calls and tells her that there is
  13. This is correct. I had one many years ago and they still send me catalogs. Hidden in the very small print is the fact that it is almost like a Student loan or tax debt. Not really sure if it is dischargable, I just closed mine when it was paid off. The lesson here is to never borrow from or owe the government money. You can neither run or hide.
  14. BK is a major decision that must not be made without alot of thought. However do not wait until the last minute and then file BK to Keep the house of cards from falling. I have read alot and believe that how you enter BK is more important than the process itself. In other words plan your BK! I believe the Exemptions for a married couple in Florida without a homestead exemption are roughly: 1k personal property 1k vehicle exemption 4k wildcard exemption (if not claiming a homestead exemption) 2k personal property exemption" I believe these exemptions can be bundled so you have roughly 8k to p
  15. I have seen it being updated monthly on TC. I checked her FICO's last month and this month and her last late payment or negative comment is 1 month ago. The only thing updated is this account. What would I dispute with the CRAs? The information is correct, GEMB is just updating a closed account monthly.