Search the Community

Showing results for tags 'advice'.

  • Search By Tags

    Type tags separated by commas.
  • Search By Author

Content Type


Forums

  • Announcements
    • Polls
    • PLEASE READ BEFORE POSTING / Board Announcements
    • Resources
  • Credit Repair Forums
    • Credit Repair
    • Collections
    • Credit Bureaus/Reports/Scores
    • Credit Article of the Week
  • Legal Issues
    • Is There a Lawyer in the House
    • Bankruptcy Q and A
  • Debt Validation
    • While You are In It Debt Validation Q and A
    • Debt Settlement
  • Loans and Banking
    • Obtaining Credit Cards, Auto Loans and Financing
    • Mortgages
    • Student Loans
    • Banking and Finance
  • Non Credit
    • Off Topic
    • Wine

Find results in...

Find results that contain...


Date Created

  • Start

    End


Last Updated

  • Start

    End


Filter by number of...

Joined

  • Start

    End


Group


Location


Biography


Interests


Occupation

Found 16 results

  1. Hey everyone! I came across this website in my googles and have spent the past 2 days reading up on A LOT in this forum, for which I am eternally grateful for! All the knowledge and help that have been provided has been weirdly comforting to me, knowing I'm not the only one going through this, so thank you all so much! Despite that though, I'm still feeling very anxious, nervous, and uncertain about this whole process, it's the first time I’ve ever had to go through this, so any guidance and advice on how to proceed would be tremendously appreciated. I've filled out & included t
  2. I am in a position now where I can comfortably work on my credit repair and have been for almost a year. The last items on my list are the 3 collections on my CR. I can manage full payment of 2 accounts now, but would like to approach this in the most efficient manner if I can reduce the payment and MOST importantly remove them from my credit reports but I am unsure if I should be contacting all 3 agencies now or focus my efforts on 1 at a time. DIVERSIFIED CONSULTNTS (not original collector) - For Sprint cell contract $687 9-10 years since contract. Report date Dec 17, 2018
  3. hello, this is my first time posting here--sorry if i'm in the wrong section. i have absolutely zero knowledge about any legal processes and any advice is much appreciated. quick backstory - this debt was from an old student loan issued by sallie mae 11/07 which i defaulted on and it was written as a charge off. the last payment made was 05/12 and was reported on my credit 02/13. i can't remember the exact date, but i was served/sued by Neuheisel law firm either 2014/2015 and never went to court and had a judgement placed against me. last year 2016 i had a levy placed on my bank
  4. Summons letter was served to my home last week. I wasn’t home so they left it with my mother. It appears that was from a law firm on behalf of Discover bank. The amount owed is a little over $3,000. I am currently unemployed and I have no assets. I rent an apartment and my car is leased. I am in no position to pay a settlement so I would like to figure out a method to either have this dismissed or possibly delayed for as long as possible. My last payment on this account was March 2017 and the account was charged off December 2017. I’ve attached the papers that were given to my
  5. We have a secured loan (undeveloped property) that we can longer keep. We've had this loan for almost 8 years. My wife is going to start college and we just can't do both. I was just wondering what the best way that we should go about this. We've contacted the property company and have been honest with them about the situation and they are willing to work with us however our priorities have changed and we've decided no matter what we're not keeping it. If it does go to court I am going to go and be honest about it and hope for the best I was just trying to get some advice on wh
  6. Hello, My question is when we file our bankruptcy in just a few weeks, if something is not listed, how long do you have to amend it later? I know I have received 4 different judgment letters in the mail this year. We moved in May and I cannot locate the information I had for judgments and a few other bills/medical bills. I know I can go to the hospitals and request our bills but where do I go for the judgments? County clerk office? Also, my husband would like to know how many years back do we go? If it is not listed on his credit report and it was from the early 90's can that stil
  7. Hi - New here. I will sum up my situation and any advice appreciated. I entered a DMP with a consumer credit counseling service to pay off about 60k in Credit Card debt after major life events made it impossible to keep up with payments. Long story short the monthly payment was too much, so the the DMP was cancelled and all cards were written off as charge offs. 1. Last payments to most of the CC were through the DMP in June 2015. So most cards officially charged off in Nov or Dec 2015 2. One item not included in DMP was a loan through Prosper. Charged off in 5/201
  8. Hi everyone! I have to preface this by saying that I've been reading these forums since the day I discovered them. Today I finally made a point to register and ask for some of this amazing advice for myself. I fear I'm not sure what to do next. Also being from Maine, I feel like there aren't many resources specifically for this state available to me since, well, not a lot happens here. Regardless of it being in Maine though, so much of the advice I've learned from here has been incredible. You guys are all great and I'm hoping to catch the attention and help I've seen other people receive
  9. I just uncovered a letter sent from an old debt collector that is nearly a year old, back in 2015 around September. This is just after I paid a massive medical debt that completely wiped me out with another company, and I had to take out a personal loan to do it. One of the debts listed on this year old notice is a debt from 2011, and is nearing the statue of limitations in about 6-7 months. Do I want to pay back the debt? Yes, I want to pay them and not get sued. However, based on the age of the debt, I'm worried that as soon as I contact them, they
  10. Not sure what the correct group to post this is because it could go anywhere.... I'll apologize in advance for being overly wordy(i ramble lol). Ok, So here's the details: I'm 31 years old, had great credit in my early 20s, then got involved with substance abuse - long story short got addicted to pain medication thanks to an injury as a result from an accident and ended up being a straight up "junkie" - vehicle ended up repod, got divorced, racked up some CC debts, various cable bills/cell phone plans, a major hospital bill, and other debts, and basically skipped out on all of em for years. Th
  11. Hi everyone, I did a search on the forums and was unable to find a scenario like mine. If there is one and I missed it, I apologize in advance for overlooking that. When it comes to my question, it originates from a medical debt collection started in 2011 that, as far as I know, came from me breaking my hand in 2010 and being of legal age. Although I signed all of the medical documents, my parents were going to pay the medical bill as I did not have income to pay for it because I was a full-time student. With that said, my parents accidentally stopped paying the debt (I believe it was bein
  12. Hi guys!! Ok, so I wanted to come on here and ask for you guys' advice for a friend of mine. Here's the HUGE problem.... He has a $300,000 foreclosure PLUS some credit cards on his account. The problem is..... the foreclosure is a house that his mother purchased when he was 18 and tricked him into cosigning for it because he had great credit. She basically told him that he was signing for the house in case anything happened to her... it would go to him without any issues. This is when he knew nothing about this type of stuff. He just signed the papers. He didn't find out until he was like 21
  13. Hello there. To start off with I am in Seattle, WA and this was filed in King County Superior Court. So in the midst of reading through everything on this forum, I like many people are stumped on how to handle the motion I just received and on what I can actually do at this point. History - I received a summons from Suttell & Hammer on behalf of Midland, LLC back in Nov 2012. I admittedly did not respond to the summons because it did not appear real or to be not actually filed, no date stamp, nothing. There was no document filed with the courts until Feb 2013. To which I received noth
  14. A suit was brought against me in May of last year by Midland in Franklin County in Columbus, Ohio. Here is a list of what has transpired since then: 5/21- Filed by Midland 6/13 Filed for Definiative Statement 6/28 Plantiff filed for my statement request to be denied 7/13- DEFENDANT'S MOTION FOR MORE DEFINITE STATEMENT IS DENIED. PLAINTIFF HAS COMPLIED WITH THE LAW IN ITS PLEADINGS BUT MAY NOT BE ABLE TO PROVE ITS CASE WITHOUT FURTHER DOCUMENTATION. PER JUDGE BRANDT 7/18- I filed for a motion to dismiss pending arbitration 8/20- This is denied 9/17 Plaintiff filed to have a default judgme
  15. Here are 10 mortgage tips to help you with your mortgage decisions in 2013: 1. Stop procrastinating and refinance. If you haven't refinanced recently, you're probably paying a higher interest rate on your mortgage than you should. Take advantage of today's record-low mortgage rates while they last. 2. Buyers, get moving. With rates near the bottom and home prices on the rise, it's still a perfect time to buy a house. Get a mortgage preapproval before you start shopping. 3. Compare FHA vs. conventional loans. Many homebuyers opt for aFederal Housing Administration mortgage because it allows t
  16. hi all, obviously this is a post judgement case. unfortunately i received a writ of garnishment from midland here in az. now when i say i i mean my name is on the letter, but the issue im having is it says my name and then i reads and his wife, then i t reads my mothers name. first, i dont have a wife, and second my father and i share the same name. the issue i am having is i was never served, even from the start of the complaint. in the packet i received i received a copy of all the other summons up until the garnishment. and every single one of them lists the defendant as my same name and my