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Hi I am crazed by a bank that financed a motorcycle for me in 2008. In 1/2009 because of the mortgage crisis I lost my job (self employed) and lost 15k of monies due me by title and closing companies. I was a notary signing agent and I was devastated. My wife lost a lot of hours at her job and we were forced to file chapter 7 which was discharged 8/2009. This bank M+B Financial in PA has reported this discharged debt erroneously repeatedly since the discharge. I was never late with the debt before we filed chapter 7. It was paid on time until the filing date. I have disputed with all the
Creditors haven't responded to debt validation letter, but CB says debt is accurate I've twice written Calvarly Portfolio Services and Portfolio Recovery (two separate debts), asking for a debt validation. It's been 60 days since the first letter went out and 30 days since the 2nd. I did not receive a response to either letter. I disputed the debts, noting that the creditors did not respond to my request for validation. The credit bureaus came back and said their investigation revealed the debts are accurate. Dealing with another creditor, I was able to get it completely de
Hello, I am new here but I see that there are lots of very active and knowledgable users here so I thought I'd seek some friendly advice. I am trying to help out my 80+ year old grandparents that have gotten themselves in some seriously unmanageable debt while trying to help another family member's difficult financial situation. Bless their hearts, but shame on them for digging themselves in a financial hole. They have a total of about $31k in credit card debts in 22 accounts.They have no real assets - not homeowners (rent), no business or properties, only have a pretty old car.Their only