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About GlitterGal

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  1. My experience with handling debts with CAs who take landlord owes has been very negative. In my last dispute (several years ago), I moved out of a place at the end of my lease, had a release from the manager stating the place was clean and pictures of it. The company claimed that I was responsible for carpet replacement because the place had no carpet when I moved out. The reason it had no carpet? One of the sewage drains outside the unit had backed up on 6 separate occasions, flooding my apartment with human waste. I even had the news articles and complaints filed about it. I submitted
  2. Just to clarify, in my state, you would still be held responsible for all of those dates of service. She was a minor when she was admitted for the birth, so you are assumed to have agreed to pay. Literally, the moment the cord is cut here, she become her own responsibility. The wording of the law is very specific and strange, but my state has a very high teen pregnancy rate that is mostly in the low income bracket, leading to lots of work on paying for those pregnancies so that the babies are healthy. Also, if you do decide you want to fight this in court, there is a sticky with question
  3. In most states (I am not sure about Ohio), when a minor gives birth, they are legally emancipated and become responsible for their own bills and their children's. Additionally, most medical providers do not want to get into who is legally responsible for a minor's medical care. It becomes a horrendous legal he said/ she said. Most medical forms for minors include in the authorization for treatment that whoever signs that form is going to be financially responsible and, if they are not responsible due to court order or other issue, they must seek relief without the aid of the medical provi
  4. I am not an expert on "unjust enrichment", but I can't see how it would apply. Typically, unjust enrichment means you gained some direct monetary benefit. I have seen lots of hospital suits, and I have never seen that used. However, as a former hospital grievance and risk management coordinator, the rest of this I can respond to. First, the only way they can claim that you owe for your granddaughter's care is if you signed something saying you were authorizing the treatment. If not, this is improper billings. Next, you need to request detailed billing from the hospital for the specifi
  5. I don't have a link for you on formatting a motion to dismiss, but if you are the SOL, you need to get this dismissed IMMEDIATELY! It is in SOL as long as the suit is pending.
  6. My employer recently updated a standing policy that if the company receives more than 2 garnishment requests in the course of your employment, you will be terminated. They claim it is in line with federal law. Anyone heard of that or know anything about it? I'm not currently facing a garnishment, but I am curious.
  7. I agree with Kutuzov. I just had to say that every time I see the title, I imagine the following: "I've got something on my credit!!" "Is it moving?" "No, but its got 12 legs." "KILL IT!!!" Thanks for a giggle!
  8. You have student loans? GREAT!! You have an installment debt! That looks good. (Lenders don't care if its a car or a student loan...installment debts all look the same.) Now I'm gonna put the breaks on. Read this very carefully, then read it again. I believe you could qualify for a mortgage now. You will probably not get the best rate, but it is a possibility. With that said, the mortgage industry is doing some crazy things right now. Stated income loans are back and appraisal values are SOARING. Rates have climbed in just a few weeks. If you decide to look into doing this sooner t
  9. Bingo! That's it in a nutshell. 620 is the target for conventional financing. You DTI is great. Don't worry about that part right now. We can help you with credit, but if you are serious about finding something, start browsing the Zillow advice boards too. You'll learn quite a bit about what's "normal" and what's not.
  10. Don't pay this!! If your insurance owes it, make them pay. If its under $100 for you, its probably only $3 for them! Call them, explain to them that this is effecting your credit and to get it handled! Its one thing if there is a dispute, but if they said they pay it, make them! If you do pay, pay the original office/provider. Then send your bill to your insurance company for a reimbursement.
  11. You say the service was legal in your first post. In that case, I wouldn't. When you send your answer, it will update your mailing information with the court.
  12. Don't get me wrong, FHA loans are good loans. With that said, some sellers will not sell to someone securing FHA financing. The reasoning is that closing an FHA loan is more cumbersome than a conventional. Under FHA, there are a lot of rules about the condition of the premises. If your looking at cheap, FHA may not be the way to go. Take me, for example. I own two houses. I am remodeling both. If I decided to sell one at this point, the better-conditioned one would qualify for conventional financing, but would not pass the FHA inspection process. I have a light fixture that has one n
  13. Don't sweat your DTI too much right now. Traditional credit requires 3 tradelines, so you should consider opening a couple more. (Just for the record, I am not specifically advocating taking on debt; however, if you want to obtain a mortgage, that is what it often takes.) PMI goes off the loan-to-value ratio of your house at the time of purchase. To take advantage of things like raising the value, you would have to refinance. However, an 80/20 mortgage situation might work. You basically finance two separate transactions, but the larger one takes you to 80% or less, so you cheat the PMI
  14. You say these are gov't backed. Who was the guarantor? Here, the guarantor is a state agency that, due to legislative regulation, contracts with Sallie Mae. They hate them and keep trying to do anything they can to make things harder for Sallie Mae to service my loan. I know my state agency would pull those records and send them all to me in a heartbeat. Also, I suggest you post a new thread that goes over what you're dealing with so that you don't get lost in the shuffle of an old post.
  15. I will take that as a compliment. And this is why I ask. The elevator in question is from 1979 (original to the building), and has been doing this recently. (In an event in October, the elevator jammed when being called to a floor for an EMT crew. The poor man having a heart attack had to be carried down the stairs.) The inside doors do open a bit, but these were all the way open. When the firefighters commented on it and weren't too happy that the reset switches on the controls weren't working, that's when I got clued in that they didn't think she had done anything...and when they