ProtectingMom

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ProtectingMom last won the day on January 26 2011

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About ProtectingMom

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  1. 10 Things found in an attic .... 1. Old lace 2. 3. 4. 5. 6. 7. 8. 9. 10. ______________ (This poster starts the next game)
  2. 10 Things found in a Greenhouse.... 1. Plants 2. Potting soil 3. Flowers 4. Plastic planting trays 5. Hoses 6 Fertilizer 7. Seeds 8. bugs (insects) 9. A hoe (times must be really hard) 10. Fan(s) (This poster starts the next game)
  3. No, in 3 monthy payments. Actually, I only have settled with one creditor. I have 2 offers, but need to negotiate. Then, the fly in the ointment, I have an account that is not willing to settle at all. I either have to become a person who actively fights back, or consider bankruptcy. Thanks for asking.
  4. I don't want to argue, but, consider: a 91 year old woman losing her home? Who was she? What were the circumstances? Why did she take out a mortgage, credit? A little understanding, compassion, might be in order.... Good people can be driven to do desperate things.
  5. 10 Things found in a Greenhouse.... 1. Plants 2. Potting soil 3. Flowers 4. Plastic planting trays 5. Hoses 6 7. 8. 9. 10. ______________ (This poster starts the next game)
  6. (taking that entryx2 liberty...) ________________________________________________________________ 10 Things found in a Swimming Pool.... 1. Water 2. Stairs 3. Air Mattress 4. People 5. Happy, laughing, shrieking-with-joy children 6 Hopefully, a saline filtration system (vs chlorine.) (hey- I'm Mom!) 7. 8. 9. 10. ______________ (This poster starts the next game)
  7. 10 Things found in a Swimming Pool.... 1. Water 2. Stairs 3. Air Mattress 4. People 5. Happy, laughing, shrieking-with-joy children 6 7. 8. 9. 10. ______________ (This poster starts the next game)
  8. Ray, I have a similar situation. I had 3 citi accounts (somehow- I think mergers over the years created 3 citis out of 2 citis and another card), and when default occurred, I got a very reasonable offer on 2 accounts, which I settled. The 3rd, it did not collect 200, it went to a CA before it even charged off (180 days, presumably.) When I settled 2, I asked about 3. Nope, gone. They were aware of it, but couldn't transact on it. I asked, do these ever come back to the OC? Not sure, but, said, probably not because the contract (OC and CA) is for a small percent of the CA's collection amount. H
  9. Original Creditor, or, Collection Agency? OCs can be fair about settling the case, at least, some of them can be, but never believe a CA (I read that here. Take it to heart!) Your letter from the OC should say, this is the settled amount, and a 1099c will be issued for the remainder of the balance. It should state that the debt will be reported to the CRAs as settled (for less than owed, or, settled, paid as agreed.) Record your conversations! They by golly shouldn't say they have your bank information already!! If it's the OC, do you have a banking account with them they can take money out of
  10. Nala, welcome. It seems so daunting, doesn't it? I'm new as of a couple of months now and I have found so much great advice and discussion here. Greatest good wishes on your journey to freedom. OnTheWarPath, it's NefariousCap*i*tal*On*e, not Disc., but boy, I didn't know what being treated like cr** was until I started -not talking to- being talked at by their people. And getting the non-DV letter from their collections dept that had no mini-miranda and the clause that after the debt "settled", the balance would be subject to further collection! Oh, yes, call me naive! I'll go for that. Not.
  11. Thanks, ud. This is a rockin' topic, ey? I love good wine and just hope that more wineries will produce organic. Fairly well-surprised at all the organic vodkas out there. I wonder how organic they actually are. Gmos in grain crops and all.
  12. 10 things found in a garage.... 1. Car 2. Tools 3. Snow Blower 4. Shelves 5. Motorcycle 6.overhead door opener 7. Gas can 8. Semi-used cans of paint, stain 9. 10. ______________ (This poster starts the next game)
  13. jackson, shouldn't that be automatic once they receive the validation letter from me? Do I really have to dispute with reporting agencies, wait for them to confirm, and then send the CA the letter?? I thought the CA had to report it without prompting? EDITED TO ADD: Read Debt Validation - The Ultimate Weapon Against the Collection Agencies again. Does the CA have to report it under their own name as a collection? Or is it the OC report that is marked disputed if the CA is collecting for the OC in some type of assignment (not sold to them, in other words?)