guyer6719

Members
  • Content Count

    138
  • Joined

  • Last visited

  • Days Won

    1

Everything posted by guyer6719

  1. Ok. I will read today. Thanks!
  2. Yes...Notice of Judgement in 2003....then nothing until 2017....Entry of Appearance and Writ of Revival. Anything filed would show on the docket, right? Should I be looking in another place as well?
  3. 5 year period to renew judgment lien against real property...in PA. Apparently creditor can lose right to take action against real property if the judgement/lien or whatever isn't renewed every 5 years.
  4. WhoCares1000, I am so grateful that you reminded me about me 20-year deadline looming. Hopefully I have enough time to arrange things to protect us better. Know what tho? The judgement wasn't renewed/revived in the 5 year period (beginning 2003). They actually didn't revive the judgement until 2017! Can they do that? Maybe I can somehow get out of this because of their failure to timely renew?
  5. Thanks! Will make sure everything is in his name and my personal accounts has the bare minimum.
  6. Hi WhoCares1000, Thank you for your insight. I'm pretty sure, not 100% certain that they can't garnish wages in PA. As far as the levy, all accounts are joint martial accounts. Doesn't that protect any cash that my and spouse have saved?
  7. Hi All! It's been a while. Hope everyone is okay under the circumstances. I have been wanting to settle and old debt with Credit One. It was a judgement from 2003. Was eventually "sold" or given to an attorney to handle/collect. I guess that attorney didn't make good on it, it was given to another attorney. I was under the impression until now that creditors sold these debts to law firms, but I think the original creditor is still involved. The attorney told me that they would have to present any offer of settlement to the creditor. I have been to this point before with the law fi
  8. guyer6719

    Please try...

    It's been a while. Hello! Anyone wanna get drunk?
  9. guyer6719

    Top Shot

    Does anyone watch this show on the History Channel?
  10. congratulations...AFNI is the devil!
  11. guyer6719

    Please try...

    i just tried Southern Comfort/Lime....yuck...but i'm now in love with Seagrams Sweet Tea Flavored Vodka and also Sogno di Sorrento cream lemoncello...
  12. mine started reporting after i used my card...it was within 30 days of the account being opened too...
  13. http://www.youtube.com/watch?v=ryiXNZep7uY
  14. tarbaby and willingtocope: This was my car note account...and actually the very last payment...was struggling at the time. The last payment was due in November...but I didn't pay until January...that's 60 days PD as far as I can tell. Experian is reporting the 60 days PD in January...which is correct, but also reporting it as charged off as of February. They are also reporting the status as "collection/charged off". Do I stand a chance of getting the "charged off" removed since the account was only 60 days PD? Thanks in advance. That's the bad news...the good news is that Credit One Ban
  15. Is there a rule as to when an account can be charged off, in other words, does the account have to be 30, 60, 90 days past due to be charged off...or is there some other circumstance? I ask because I have an account that was 60 days past due and the creditor charged off. I did pay it, but I would like to have the charged off status removed.
  16. this morning i was telling a friend about all the bull-crap at the job that i wasn't looking forward to facing today. his words were, "it's just a job". i think that to most of us, a job is really more than a job...it's our livelihoods, medical benefits, mortgage and car payments, etc., but do the people you work with and their antics really matter? i'm thinking NO. from this day forward, it's just a job for me. my friends and family don't work here. just venting....
  17. Admin... Guess what? They took the car this weekend. I thought for some reason that since that the repo couldn't come on the dealer's lot to take the car...maybe that the dealer would be liable if anything happened to the car while in their posession. Anyway...the young man called to ask for more time to come get the car and was informed that it was towed away and taken back to where it was purchased. Moral of the story...pay your bills...
  18. I think the answer to my question is "no", but I want to be sure. This is sort of debt related as well. Here's the situation. A young man leases a car with a cosigner. He doesn't make the payments and the company who has been hired to investigate and recover the vehicle is pulling out all the stops. The young man takes the car to the manufacturer's service department for service and a checkup. The recovery company is tipped off as the the vehicle's whereabouts. Can the recovery company legally send a tow-truck driver to...let's say...Chrysler's service lot to take the car?
  19. Cool! I'm gonna start as soon as I can.
  20. So, you know how one extra mortgage payment a year is supposed to help you pay off early and save on interest? How should this payment be made? Should I instruct the mortgage company to apply that extra payment to principal only, or just send the payment in and have them apply it like any other payment?
  21. Since I declined taking out the loan, the guy has really been calling me alot wanting to "work something out". He said he would offer me a lower interest rate....12.2% fixed for three years. LOL! Like I said, my credit isn't pretty but I'm not in a hurry to get the cash and I'm not that desperate. He would have me believe that nothing will improve my credit besides taking his loan. I'm in a better position now than I would be with that financing. firstsource: the lender is Wells Fargo Financial. Google them and predatory lending and see what happens. 2ndTimeAround: good advice. I am
  22. your avatar is hilarious! lol! The lender is Wells Fargo.
  23. I should post this here as well: but I quickly jumped out of the pool. My credit report is definitely not a thing of beauty. It's on the upswing, but still has some blemishes. I tried to get some cash to fix the house. The cash was so tempting, but I would rather wait a year until some of the other blemishes are gone and I have better credit. Here goes my current situation versus my would be situation had I taken the loan: Current interest rate: 8.25% Proposed: 12.5% Current morgage payment: $530/month including taxes and insurance Proposed: $700/month not including taxes and insurance The l
  24. but I quickly jumped out of the pool. My credit report is definitely not a thing of beauty. It's on the upswing, but still has some blemishes. I tried to get some cash to fix the house. The cash was so tempting, but I would rather wait a year until some of the other blemishes are gone and I have better credit. Here goes my current situation versus my would be situation had I taken the loan: Current interest rate: 8.25% Proposed: 12.5% Current morgage payment: $530/month including taxes and insurance Proposed: $700/month not including taxes and insurance The loan would have paid off a