frankson

Is annualcreditreport.com the one that most people use?

Never mind, I think I changed it now.

I posted at 2:30 p.m. EST and it showed the post to be around 11:30 a.m. Do I need to set the time zone differently in my settings? Is that why it's showing differently? Thanks.

I wondered about that too with them seeing other cards being late and then they start their routine. I have one with American Express that is due by the 8th of each month and alll my other cards are due around the 21st (ish). It was crossing my mind that if anything comes in the mail that Amex is going to be the first probably and especially so if they see that all other cards are late in being paid. They know what time it is, lol. What does 'invoke it today mean?' I know the general meaning of the word but I'm sort of missing it here. I'm still learning about all this and your thread cau

I was going to go to the BK court and listen in on some of these hearings but I had called and finally found out that the last trustee was going to be finished for the day before 1:30ish and so I didn't go. It will probably be week after next before I can go but when I do, I'm going to check around for those flyers saying that you can get help with the forms. I wonder if I could barter on Craigslist with someone that has gone through the BK Chapter 7 and trade some items such as music CDs or items like that for personal assistance on filling out the forms. Just a thought. I'm pretty much bent

QUOTE Pretty much two days after my first late credit card bill EVER, I started getting collections calls... nonstop and at odd hours (Bank of America's been calling at 11 at night), so I came up with a novel solution. It requires: a) a home phone that has a "call forwarding" feature. a Google Voice account (free!) c) potentially a cell phone if you want to be able to answer normal calls that come in Set up the home phone to forward to your Google Voice number. Setup Google Voice so that all unknown callers (this isn't just "Unknown" or "Blocked" numbers -- anybody that's not in your address

Where did you find that they don't report to the Big 3? So, Sev was misleading us, eh?

I heard on that am channel, Dave Ramsey say that they can't charge those upfront fees because since the law changed, they have to do (a certain service in some manner) for you first...(if I remember it correctly, something like that). I think I've heard that a lot of these companies are going to go away now because of this new law. Many = Scams.

Actually, one consultation said that I could file Nov and another said the same even saying that Dec 1st would be okay...but that was roughly with the figures I gave them and they did say that I'd be falling into Chapter 7. (Just trying to push the prior months back a tad.) I don't know about the credit counseling you're talking about. I haven't looked up the prices for that and seems like you're saying that the creditors would 'see' that I've taken the course (how long those take, I don't know), ... what's the main point of going through that class? Is it just show that it looks better to

I can't answer your question but, I'm wondering, I thought that things normally didn't happen until after about 180 days with credit cards. I was under that impression.

Also, I don't think that I want to talk with them anyway. They record and could use something I say (intended or not intended to say) to play the recording in court is what I hear. But I thought I could say that I'd been looking for work and as soon as I find work I'd hope to pay...but what would they say to that?

Also, our management here changed and there were several (trustworthy) ladies that were placing our mail into our slots and I really didn't like them seeing all my mail. (And I didn't want to see it daily, either! lol) And I'd had a mailing service for bills, etc. for about six years until they closed. A lot of companies know that a person has a physcial address and uses another one for their mail.

I don't know anything about that subject of CRA but you can open a box which has an actual street address at a local mailing service office. It, to me, is better than USPS box or UPS store because USPS can't check your mail for you when you call, and UPS won't send out packages from DSL or Fedex (but I 'think' they'll receive them); the neighborhood mailing centers will mail your mail to you if you're out-of-state, receive faxes for you, etc. So back to your question, could you use one of these mail centers? I changed my address before I quit paying on my credit cards just so that the office

If you close an account, I've heard that you make certain that they report it as "Closed at customer's request" so that it doesn't look bad on you.

Thanks for your responses. On my secondary phone is where most of the calls come from since that is the number I'd changed my contact number the acct(s) online before I missed the payments. I'm not worried, have no reason to be, that I changed the cell phone number and my address. (My previous mailing service closed a few months ago and I'd had mail sent to home address, the office lobby is an open area and unsecure until they will receive the official USPS boxes, so I changed the address to another mail service.) I'm not worried about this and am quite sure they'll not question this but I