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GlitterGal's Achievements

Impressive 100+ postings

Impressive 100+ postings (5/6)



  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 all of that to the CA, landlord said it was a lie, CA continued collection. Call the CA and see what happens. The worst that can happen is that they do not agree, and you are back where you started. Also, find out about who you have been dealing with at the management company. If they have a higher up, an appeal up the chain of command may help you out. Also, their main "threat" is that you can't rent anywhere else until this is settled. Mention to them that you purchased a home and that will help take some of the wind out of their sails.
  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 questions to answer. Just copy and paste those in and answer them so the legal minds around here can be more help.
  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 provider. Trust me, this is where my CIC journey started.
  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 specific dates of service they list. It will outline exactly what each charge was for and what insurance paid or denied, as well as anything you might have paid already. You also need to request the explanations of benefit from the insurance for the matching date of service. This will reflect what both the hospital and your insurance say you owe. Alternatively, you can request that billing in the discovery phase, but if you are trying to avoid a judgement, getting this ASAP from the hospital will leave you with some negotiating room. They might still be willing to take a payment plan. Being sued by an original creditor is harder to get rid of, and typically a hospital has VERY GOOD records to back up their claims. Finally, you can answer the complaint with a general denial for now. The accounting doesn't look right and you aren't sure those bills are even yours.
  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 than a year or two, WATCH YOUR BROKER CAREFULLY! If they don't return phone calls for a week, walk. If they give you a funny feeling, walk. If you don't like their hair, walk. When the market gets unstable like this, brokers benefit. The downside is that they aren't going to take a guy like you as seriously. They want the payoff, and may not do things perfectly for you. On the other hand, the right broker would be a huge benefit, explaining the products you qualify for and helping you understand what you need to do between applying and closing to make sure everything goes smoothly. Rates are going up right now and this will probably continue for the forseeable future. Keep that in mind. I love using the Zillow quote tool. It lets me know who likes my numbers and who doesn't. As for the score, myFico is pretty good.
  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 non-working light socket in. So, there are 5 there, but one doesn't work. (My kids...need I say more?) Because I cannot put a light bulb in that and make it work, I would have to replace the fixture. Unfortunately, because of the age of the house and some other issues with the lathe and plaster where the fixture is installed, its not a simple project. To do the work out of pocket, I would estimate a cost of $250. On a conventional mortgage, I could disclose that it doesn't work, and its the buyer's problem. If you are thinking you will buy an older house or a "fixer-upper", FHA is not the best option. Same with foreclosed properties and short sales. As for getting it in just your name, that's not an issue. It happens all the time. She will have to sign some things saying she agrees. And you absolutely can get a fixed rate with less than 20% down. You might check out Zillow's "Get custom quotes." Its anonymous, but gives you an idea of what you qualify for.
  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. A mortgage broker could help you figure out if this is good. FHAs aren't always good mortgages. They can be, but don't just assume that if you don't get it, its because what you are getting is a "bad" loan. Also, most of them just want the bankruptcy to be satisfied at least 2 years prior to funding. You should be good.
  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 were concerned about her being upset and didn't lecture her, I figured they knew she hadn't done anything. Like I said, 5 years old, and kids do the weirdest things, so I wasn't initially thinking she was innocent. As for the manager, Shellieh, I think I'm going to tell her she can either write it off or sue me...but that if she sues me, she can expect a countersuit for my daughter's counseling bill.
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