TPHicks

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About TPHicks

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    Texas
  1. The lender told me yesterday that the VA had the property. They said are only options was to buy the property again...Who is going to loan after it was forclosed on? Thanks for your help I'm going to call an attorney, to see if all the guidlines for forclosure were met.
  2. I have a question our house went to the "sheriffs sale" January 4,2009. We tried working with lender (long story) We have been having trouble since 11-2007 because my husband was laid off. We worked out agreements but then they never sent the paperwork. Anyways its a VA loan back in April 2008 we recieved the demand letter but they would file then give is more time ( we didn't know) we really had no idea what was going on anyways long story short..... 1- How long is the demand letter good for. We are in texas can they wait on and off that long. 2- Talk to the VA and they said the lender had 15 days to convey the property I found out yesterday they conveyed 2-18-2009 and the sale was 1-4-2009. Is there anything illegal with that. We are still in the home and are trying to save it. Are we fighting a loosing battle? Will we recieve notice to move out by the cops are by letter? Sorry for so many questions....I'm just about ready to committ suicide. Thanks, P
  3. Ok looking over my cr.... the cc shows as a co dated of last activity is 08/2007( it says a payment but I didn't make a payment), date closed is 11/2006. The bal was 3700 but now is over 5000.00? At one time someone had stolen my card and used it and we went through the whole fraud thing, how do I know these aren't charges that got put back on the account they switched cc #'s but we never made any charges after that happened that we can recall. Thanks again!
  4. Would it be smart to try and make a settlement with this company. It is for a GM cc we had. I didn't DV them and have been ignoring the phone calls. They call about 4-5 times a day. When I did speak with the guy he was very stern and said that if they didn't recieve payment they would just sue us. I am new to all this and I don't want to be taken advantage of either. Thanks a ton!
  5. Howdy! Everyone on here is sooo helpful! I just pulled my credit report and under installments it shows I have 2 student loan with ACS. I do have a student loan with them but just one so it looks like I owe a bunch of money (because its reported twice) on my income to debt ratio. What do I do to ge them to remove it? Your help would be awesome. Thanks bunches, P
  6. HI! I have a very similar problem but the "Law Office" that keeps calling is Phillip Frye. I looked up the phone number and it is located in Roanoke. But I can't find if they are even bonded in the state of Texas. Have u ever heard of them? I have had NO luck so any help would be nice. They call non stop and Iam about ready to just settle even though I know its not mine. Thanks bunches, P
  7. Ok-I have gotten all 3 CR's and some of the things don't match up.. 1- on one account a mortgage 2 CRA's have paid satisfactorily and TU has unrated or bankruptcy, this was paid back in 2003. Should I dispute this, does it make a factor in my credit score? 2- I have a collections and they have been contacting me but I was going to DV them today but I don't know to who???? on my EQ report it is listed under Norwest Financial, account number #145-0852XXXX opened 12/04 date reported08/2007 dolp 07/2006 Charge off amount $0 Current status 120+Days Past due, Activity Description Transfer/Sold.... Now on my TU it has WFFinancial it has a different Account # 11227040852XXX most everything on it for this account is N/A except payment status C/O as bad debt Remarks are purchased by another lender.......... On my EX it has same account info that TU has except Remarks Transferred to another lender Payment status Past due 180 days??? Isn't this wrong? Any help on info to put in the DV letter would be awesome! 3- The above account is in collections on my CR on it has Zenith Acquisition Corpo Date Updated 04/2007 Past due $880 I have never heard or recieved anything from them but I have a guy calling me from Hosto, Buchan, Prater, & Lawrence, P.L.L.C keeps calling everyday. I am confused who do I contacted because I don't think by any means this is my debt. I don't know what my next step should be who! I think they are jerking me around! I need some advice to get these people off my back they already said they would sue me! I would like to know if they are even bonded in my state of Texas to lawfully collect? Thanks so much for reading and giving me any advice I can! Paula
  8. THANK YOU! THANK YOU! This forum is so much help! Thanks again for taking the time to help me out! Paula
  9. I will have alot of questions the next few days. I am starting the road to credit repair, man this is a full time job lol! I did a online dispute with EX wednesday and yesterday evening when I check 2 of the disputes came back a CA account said "remains" and the other is a CO from a Wells Fargo Finance they stated "updated", what do these mean??? Also Wells Fargo reported on my CR that the account was sold so... What does that mean for me? I am not even sure this is my debt? I also haven't recieved a 1099, they also reported on my CR they wrote off $795 but the CA is asking for $880 can they do that? As so to date I have never recieved a dunn letter from the CA but oh have the calls been coming. They even treaten to sue me for not being responseable adult and taking care of my debt... SAGA...In regards to the calls my CR has Zenith Acquistion but the calls are coming from a different CA Hosto, Buchan, Prater, & Lawerence, P.L.L.C the guy on the phone told me that the past due amount was North Star Capital Acqusition but I was to make payments to them, I am not sure where to start on this one because there are too many people involved and I am not sure who to send what to? Sorry this is long but it's day 1 on credit repair! Thanks, Paula
  10. I was looking over my CR and EX has my birthday wrong they have 12/28/1976 but it should be 1975 should I dispute this or should I say they have the wrong person? Any advice? Thanks, Paula
  11. We are incorporated! What should we do?
  12. On my husbands CR he has a collection on a account that we had from our business.The account is paid but I didn't know they could place that on his CR. Could we get this removed because its a business mark not a mark on his CR??
  13. On my credit report I have a collections for a medical bill from when my son was 2. It says it was paid but I want to remove it from CR, what would be my first step to remove this off? Thanks, P
  14. Maybe I shouldn't have titled my last post My have screwed myself! I wanted to clear something's up and give more info than my last post! Thanks for everyone's advice. I didn't intentally write a NSF check (someone got a hold of my debit card). I thought when they called I had no other way to go. I NO that this account isn't mine! I pulled my CR last week and found my info along with someone else's on my CR I have started a fraud case on my CR. Can they call and threaten to sue you. I am new at this but I remember reading something about treats by CA on here?? I live in Texas. I have tried to look them up to see if they are bonded in Texas and I can't find them can anyone help or has anyone dealt with them before. On my CR it has this account under Wells Fargo charged off april 2007 and I guess that is where the CA comes in. What should I do next. When I spoke with the guy I felt as if I had know other way to go but that is before I started reading the forums. AWESOME bty! Thanks for any input! * CA is HOSTO, Buchan, Prater, & Lawrence,P.L.L.C PO Box 3397 Little Rock, Ar 72203
  15. Thanks for everyone's advice. I didn't intentally write a NSF check (someone got a hold of my debit card). I thought when they called I had no other way to go. I NO that this account isn't mine! I pulled my CR last week and found my info along with someone else's on my CR I have started a fraud case on my CR. Can they call and threaten to sue you. I am new at this but I remember reading something about treats by CA on here?? I live in Texas. I have tried to look them up to see if they are bonded in Texas and I can't find them can anyone help or has anyone dealt with them before. On my CR it has this account under Wells Fargo charged off april 2007 and I guess that is where the CA comes in. What should I do next. When I spoke with the guy I felt as if I had know other way to go but that is before I started reading the forums. AWESOME bty! Thanks for any input! * CA is HOSTO, Buchan, Prater, & Lawrence,P.L.L.C PO Box 3397 Little Rock, Ar 72203