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So I was getting calls from scammers for awhile but as of the last few months, maybe 4 to 5 months, they’ve stopped. Just yesterday I got a voicemail from a woman. I have copied the voicemail from the transcription so some of the words may be off but it gets the point across I think. “this is Tosha Brown I'm contacting you regarding your pending claim being filed I do have to make you aware once claim number (number omitted) is completed it will become a matter of public record and there will be an order of location issued for you requiring a signature on your behalf since I was unable to reach you by phone today and I've been instructed to contact your employer as it does seem like this can be the next possible place of location for you. now you have a legal right to contact the office thats handling your claim once your claim is officially filed all other options are to be forfeit. the number provided on the paperwork to contact them is 833-734-2881 you are being notified by telephone and you will be located unless contacted otherwise.” They apparently called 2 of my friends (past roommates) as well, saying it was Enterprise and they gave them the same claim number. Like I said, I’ve dealt plenty with scammers and if I had just gotten the voicemail not followed by my two friends calling claiming they were contacted as well? I would’ve ignored and written it off immediately as a scam. But they’ve never contacted anyone else I knew before so it’s different. I’ve gotten advice from many intelligent individuals here before so I thought no harm in asking again. Thanks

We had our house foreclosed and it finalized in August of 2015 (state of KY). After a major clean-up of our report (also used LexLaw) I was able to get all addresses but our current address (state of CO) deleted. Today I noticed that the trade line for our mortgage company states "foreclosed" only on TU - EX and EQ just stated delinquent by 4 months (or something to that affect). Plus, there is no public record on the CR. My question is: How could I proceed to get the trade line removed for the mortgage company so there is no foreclosure showing on the report? Yes, we did have the house foreclosed (fact). And, yes, I want that one trade line removed I was thinking about sending a "goodwill" letter asking the mortgage to delete the trade line, but wasn't sure if I should just send something to the CBs - not sure what I would ask for though.

Hello, Thank you in advance for your answers. This is my first post as I have decided to research my options in dealing with a lingering default judgement. I received a Default Judgement (served properly and never answered) in California more than 3 years ago. I originally owed a large bank about 10k (credit card debt), current balance sits at about 14k with fees and interest. I need to take care of this debt. Garnishment attempts have been made (I can see filing with court) but not successful. No bank account levy as of yet but attempts made as seen on court records. (5 years). Only property to my name is an older vehicle worth less than 2k. I do have credit cards at the moment that I use and pay monthly (2k line) My questions are: (1) What is the best plan of action to takle and get rid of this debt? - I cannot pay in full but I am willing to settle if it is an option (family willing to loan money). (2) Is settlement a realistic option at this point? If so, what amound do you suggest? (3) Should I contact a debt lawyer in my area? Any way to reopen the case? (4) Should I consider bankruptcy? I am in my mid 20s. Any other tips and suggestions are greatly appreciated. Thank you!