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About oneobserver

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  1. In negotiating with collectors and CRAs or even in 'helping' them have information about you that you may not necessarily want them to know or have, I thought I'd share some resources on how to clean up your personal presence on the internet, so I am posting this here but it applies to the other forums as well. This is a step further in Opting OUT, in this case from sensitive personal information available on the internet. Here are some great articles on getting your name removed from internet directories: http://
  2. Can you file a voluntary dismissal if you work out payment to creditors in a chapter 7 BK ? If so, is there any effect on credit if you sort of take it back and pay everyone? Can it be entirely vacated in court records so it doesn't show up?
  3. I'm new too but have 500 problems, you name it, I'm dealing with it or recently have, lol. I can only speak from experience so if there's anyone else that would like to chime in and help LHCC, by all means. I sent the first letter disputing all personal information and judgments, I got replies back within 2 weeks or so, all personal info corrected and judgments deleted for the most part. Round 2 is after the 30 days from the Receipt (green cards).
  4. One more thing, if I filed a Quiet Title Action and a Lis Pendens on behalf of the trust, what impact would it have on the foreclosing Plaintiff's action?
  5. NY case Defendants in foreclosure case are also in mat court on a case that started before foreclosure complaint was filed. Both are still active. Husband on Mortgage Note solely, Husband and Wife both on Deed. (Wife never actually signed nor initialed actual Mortgage document, forged signature/initials on Mortgage document, the Mortgage Note is ok as it is only signed by Husband-part of foreclosure problem and just background info) In 2009, a mat stipulation conveyed Husband's interest in Deed to Wife, deed was not transferred. In 2010, a mat stipulation conveyed Husband's interest in Deed to
  6. First, just as in sports training, a credit-cleaner-upper has to get in the zone. What the CRAs are reporting is in YOUR file, the file that tells a story about YOU, the file that determines what mortgage YOU can get (and therefore, where YOU can live), determines what job YOU get (yes, employers do check credit more than ever), it determines what car YOU drive, YOU get the idea. And also very candidly, the CRAs are sort of YOUR employees, their job is to maintain YOUR file. This is YOUR game. So, as the CEO of YOUR CR, you are taking ownership of what happens to it and you have 3 'employees'
  7. First, dispute personal data--name variations, old addresses / telephones / employers. I used this and it worked: To whom it may concern: Going over my credit report, I have found it contains many errors. I request your investigation of the following "personal information" and “inquiries”. For the record: 1. My name is: JOhn Doe. Please remove all other name variations IMMEDIATELY. They are not accurate! 2. My current address is: 111 Main Street, City, ST, ZIP. Please remove all other addresses IMMEDIATELY. They are not accurate! 3- The list of Employers and their reported dates are not ac
  8. Ok, so I got a copy of the original judgment which also has a copy of the Affidavit of Confession of Judgment. My name is spelled incorrectly. The Judgment was entered March 2007, the Affidavit signed Feb 2007. Is there ANY way I can motion this to vacate it?
  9. Hi, what was the SOL and is the SOL state-specific? Also, were they paid or unpaid liens?
  10. I learned: ALWAYS manage/supervise your finances when married, NEVER sign anything without a thorough review done by YOU or an attorney of YOUR selection GET a prenup the next time and observe the first point, ALWAYS lol, seriously though
  11. Yep, totally agree. I'll motion to vacate first on the basis of being uninformed. Once removed I'll go for 25%, which I think is very generous. In the meantime, I had obtained my 3 credit reports and sent them each disputes since this item and all the others were either inaccurate in some detail or incomplete. In that letter I also asked that if verified, to tell me the furnisher of information, method of verification, etc. My point with this was to track exactly who is feeding public records information to each of the CRAs. I sense it's Lexis. So instead of also requesting reports from Innov
  12. But wait, you say worst case is to pay the $3,000. The lien and judgment are for the original $2,400. $3,000 is what the legal plan attorney negotiated with the OC's attorney/collector on the basis that it had accrued interest and a year earlier I talked to the attorney and he in turn told his client I would pay $3,000. He told my attorney he was embarrassed to go back to the client with a lesser amount. I guess it depends on first getting the judgment lifted to increase my negotiation posture.
  13. Please don't misrepresent my statement, it is not your comment I was reflecting on by any means, I understand what you meant. I was reflecting on my own pence wise and pound foolish credit behavior. There was a lot going on in 2005-2006 in my life, none of it good, and I was truly mindless about all of this, as is evident. I should post on lessons learned: Always manage or at the least supervise your own finances when married. ALWAYS read and analyze documents/agreements, consult with a lawyer, at least a law student! NEVER believe an opposing attorney, lol. daa NEVER SAY NEVER (and I don't m
  14. In looking at this credit mess, I'm just downright stupid, I should tell the court that...
  15. Thanks Denita. I am an unsophisticated consumer, will do. You're right, I don't have much else going for me on this one.