OZZIE69

Thanks for quick replies.

Hi, My wifes mother has a stand alone savings account at a bank. She has her daughter on as authorized signor in the event she would pass. If judgement is won against her daughter, can they touch Mom's account? Thanks

I settled many other cards but not Amex. I do however think 30% is good for them. Yes get something in writing before sending any money.

I have heard som many bad things about them. Just recieved back 2 green cards from DV letter. They just scribbled a name and date. Obviously they do not want me to know who accepted. Such Pin Heads!!!!!!:'>

Income maybe $70k before taxes. Liabilities still exceed assets. What about worksheet would I do one for each settlement date?

I am looking at filing 982 to prove insolvency on settled credit cards. There is a worksheet that must be completed showing Assets and Liabilities. I settled 5 cards at different times in 2010. Would I have to provide 5 different worksheets since Liab has changed as cards were settled? Also, I am self employed and may fudge some numbers when doing my taxes. I DO NOT want to be audited. I could prove the insolvency though. Anyone know if filing 982 in anyway triggers an audit. Thank You

Bump for BV80 or 42 Lueser

We received first dunning letter in regards to a Chase account. Since my spouse is judgement proof today and will be for next few years and I cannot pay, should we even bother sending DV letter? Or, should I just send cease and desist letter? Thanks

A few of my spouses cards have now charged off. United Recovery Service has been calling her for a week now. Today they called her sister-in-law. Not sure how they got her number. We have yet to receive duning letter from anyone. I need a refresher, can they call even though no letter have been received? Thanks

I have heard nothing since July. How would I find out where debt is today? Or status of debt? Thanks

Yes. You will recieve letter asking for payement. You then have 30 days to send DV.

I like that answer jq26. The only problem I may have is due to my income we may fail means test and not be able to do Chapter 7.

Elan Financial is now 150 days late on $11,200. Received letter today saying "Serious Collection Action Alert" last chance to resolve. I have no funds to settle and am going to just wait and see what happens. Would now be a good time to send letter stating that I elect arbitration? Thanks

http://courts.michigan.gov/scao/selfhelp/general/answers.htm#filing http://courts.michigan.gov/scao/selfhelp/intro/questions.htm http://www.michiganlegalaid.org/library_client/resource.2006-03-07.0642840284/html_view Read about arbitration also.

I did settle with them on 4 cards earlier this year. Other than that nothing else. My wife did give them authority to talk to me about debt earlier in the year.