| Posts by alias1958 |
| Posting date
| Subject
|
| Posted: Mon Oct 6 12:56:33 2008 |
Good job Bea!! I'm glad you were able to work .. |
| Posted: Mon Oct 6 12:46:39 2008 |
Wow, that's great!! Good job!! .. |
| Posted: Sun Oct 5 16:15:20 2008 |
Payday loans are illegal in New York. You can .. |
| Posted: Sun Oct 5 16:08:19 2008 |
The search box is in the upper right corner of .. |
| Posted: Sun Oct 5 15:16:38 2008 |
I'm pretty sure that you can't go back at this .. |
| Posted: Sun Oct 5 15:08:33 2008 |
You can send a pm (private message) to Jason or .. |
| Posted: Sat Oct 4 8:11:10 2008 |
Pennsylvania laws are posted in this .. |
| Posted: Fri Oct 3 21:17:12 2008 |
Go here and enter your zip .. |
| Posted: Thu Oct 2 22:13:46 2008 |
You need to post the following information so .. |
| Posted: Thu Oct 2 19:21:04 2008 |
Most times I think the lenders get around that by .. |
| Posted: Thu Oct 2 19:15:52 2008 |
If you are filing by yourself and you do not have .. |
| Posted: Thu Oct 2 19:04:44 2008 |
Well, it looks like you figured out how to do .. |
| Posted: Thu Oct 2 19:01:15 2008 |
It sounds to me like they are just fishing for .. |
| Posted: Thu Oct 2 18:42:42 2008 |
Under "Members Area" in the upper right .. |
| Posted: Thu Oct 2 16:25:55 2008 |
Debt Cruncher sounds right to me. If people are .. |
| Posted: Thu Oct 2 16:11:05 2008 |
Good luck, and keep us .. |
| Posted: Thu Oct 2 16:09:00 2008 |
Good luck to .. |
| Posted: Thu Oct 2 10:53:56 2008 |
Tomatoes don't need to be blanched, but .. |
| Posted: Thu Oct 2 8:14:43 2008 |
I don't know . . . rent is pretty important. .. |
| Posted: Thu Oct 2 8:11:33 2008 |
Whenever I have a pepper that I don't use .. |
| Posted: Thu Oct 2 7:44:31 2008 |
Yes, hang in there! Next time they threaten you, .. |
| Posted: Thu Oct 2 7:41:53 2008 |
Soaplady, I always wondered about your name! Now .. |
| Posted: Wed Oct 1 12:55:52 2008 |
Jessie, it's great that you were able to get .. |
| Posted: Wed Oct 1 12:51:50 2008 |
Good job!! .. |
| Posted: Wed Oct 1 12:49:34 2008 |
It seems to me that most people have only x .. |
| Posted: Wed Oct 1 12:31:59 2008 |
Notify the company in writing that you are .. |
| Posted: Wed Oct 1 10:17:50 2008 |
Cute! .. |
| Posted: Wed Oct 1 10:15:23 2008 |
Good job getting this account settled!! .. |
| Posted: Wed Oct 1 9:54:32 2008 |
Here is a link to another thread that seems to .. |
| Posted: Wed Oct 1 9:48:09 2008 |
You CAN revoke voluntary wage assignment .. |
| Posted: Tue Sep 30 20:28:51 2008 |
If your lenders are operating legally, you will .. |
| Posted: Tue Sep 30 20:02:26 2008 |
As Shazzers said, they are not going to arrest .. |
| Posted: Tue Sep 30 18:37:16 2008 |
Sign up as a member. Then you can either set it .. |
| Posted: Tue Sep 30 13:50:47 2008 |
It seems to me that their inquiry should show in .. |
| Posted: Tue Sep 30 13:34:33 2008 |
gypsyt, it might be better if you copied this .. |
| Posted: Tue Sep 30 13:29:14 2008 |
Solicitation at bottom of .. |
| Posted: Mon Sep 29 13:51:45 2008 |
Buttercup, I THINK wssu may have been .. |
| Posted: Sun Sep 28 13:28:50 2008 |
A loan modification is with your current lender, .. |
| Posted: Sat Sep 27 21:22:05 2008 |
Make that THREE loan .. |
| Posted: Sat Sep 27 21:13:34 2008 |
Two loan .. |
| Posted: Sat Sep 27 20:51:41 2008 |
Dispute the charges with your bank as being .. |
| Posted: Sat Sep 27 20:42:59 2008 |
Congratulations!! .. |
| Posted: Sat Sep 27 17:33:50 2008 |
Do they have to respond to a validation letter .. |
| Posted: Sat Sep 27 17:31:22 2008 |
They can't garnish his wages unless they first .. |
| Posted: Sat Sep 27 15:53:34 2008 |
Charge off is usually not until 180 days. Also, .. |
| Posted: Sat Sep 27 10:14:25 2008 |
Good luck, .. |
| Posted: Sat Sep 27 10:09:04 2008 |
Yes, one spouse can file bankruptcy on their own .. |
| Posted: Sat Sep 27 9:35:47 2008 |
Virtualdeal, you can read about Relax's .. |
| Posted: Fri Sep 26 17:51:58 2008 |
I'm not sure about the 13 rules since we filed .. |
| Posted: Fri Sep 26 17:38:45 2008 |
I haven't been able to figure it out either. And .. |
| Posted: Fri Sep 26 17:35:16 2008 |
However, if you file your Chapter 13 sooner than .. |
| Posted: Fri Sep 26 16:12:50 2008 |
If he doesn't want the stress of service. The .. |
| Posted: Fri Sep 26 15:15:51 2008 |
For us, it just seemed like it was inevitable. .. |
| Posted: Fri Sep 26 15:07:46 2008 |
I don't see how two companies could own your debt .. |
| Posted: Fri Sep 26 14:59:37 2008 |
So you settled for 30% (70% off) Good .. |
| Posted: Fri Sep 26 10:43:44 2008 |
I didn't have to pay a lump sum on mine, but it .. |
| Posted: Fri Sep 26 9:41:45 2008 |
Bankruptcy was what came to my mind also. You .. |
| Posted: Fri Sep 26 9:36:25 2008 |
MexiGirl, I thought you were trying to close your .. |
| Posted: Fri Sep 26 7:30:44 2008 |
Great plan! Keep in mind also that even when the .. |
| Posted: Fri Sep 26 7:14:27 2008 |
Well, it's always worth a try! However, my .. |
| Posted: Fri Sep 26 7:11:11 2008 |
Good .. |
| Posted: Thu Sep 25 15:15:17 2008 |
Welcome, nemobeast! First, you will need to give .. |
| Posted: Thu Sep 25 14:59:41 2008 |
GOT MY LOAN MODIFICATION!!! .. |
| Posted: Thu Sep 25 14:54:47 2008 |
There's a good discussion of that issue in this .. |
| Posted: Thu Sep 25 13:19:07 2008 |
Take good care of yourself, and continue to get .. |
| Posted: Thu Sep 25 9:50:48 2008 |
I have mixed feelings about it too, but I think .. |
| Posted: Thu Sep 25 9:46:59 2008 |
I loved that sentence in the New York Times .. |
| Posted: Thu Sep 25 9:41:43 2008 |
I would delete that paragraph and instead just .. |
| Posted: Thu Sep 25 8:02:45 2008 |
I can tell you from my personal experience that .. |
| Posted: Thu Sep 25 7:12:24 2008 |
Good luck! .. |
| Posted: Thu Sep 25 7:11:06 2008 |
I would wait awhile longer. I don't think you .. |
| Posted: Wed Sep 24 20:07:37 2008 |
We have a checking account that is still in good .. |
| Posted: Wed Sep 24 15:48:48 2008 |
I think many of them will revoke, but it probably .. |
| Posted: Wed Sep 24 14:58:56 2008 |
I'm not sure of the answers to your questions, .. |
| Posted: Wed Sep 24 14:41:59 2008 |
And does BOA only check chex when you open the .. |
| Posted: Wed Sep 24 6:22:21 2008 |
We are in California also, and the paperwork that .. |
| Posted: Tue Sep 23 20:57:19 2008 |
We retained ours on a Thursday (I think), paid .. |
| Posted: Tue Sep 23 20:50:41 2008 |
One of our creditors was a bit snotty too. .. |
| Posted: Tue Sep 23 19:36:20 2008 |
I don't remember how late the person was that got .. |
| Posted: Tue Sep 23 17:03:03 2008 |
Advanta was one of our most aggressive creditors, .. |
| Posted: Tue Sep 23 16:57:47 2008 |
Ugh! .. |
| Posted: Tue Sep 23 16:51:55 2008 |
My understanding is that most taxes are not .. |
| Posted: Mon Sep 22 11:40:40 2008 |
Most bankruptcy lawyers will give a free initial .. |
| Posted: Mon Sep 22 11:28:54 2008 |
Sometimes we don't learn our lessons the first .. |
| Posted: Sun Sep 21 14:35:53 2008 |
Good for you smo! We have a pretty small .. |
| Posted: Sat Sep 20 16:51:19 2008 |
Welcome back! I'm glad you had a great .. |
| Posted: Sat Sep 20 13:42:02 2008 |
Joseph, perhaps the financial responsibility .. |
| Posted: Sat Sep 20 12:37:29 2008 |
Sounds like you are on the right track! Let us .. |
| Posted: Sat Sep 20 12:35:06 2008 |
You need to put a hard debit block on your bank .. |
| Posted: Sat Sep 20 10:55:30 2008 |
Unless you live in a state that doesn't allow .. |
| Posted: Sat Sep 20 10:26:52 2008 |
And don't forget to give a copy of the wage .. |
| Posted: Sat Sep 20 9:42:37 2008 |
Egotypical, you might want to start a new thread .. |
| Posted: Sat Sep 20 8:57:52 2008 |
Your husband's credit union that only checks chex .. |
| Posted: Fri Sep 19 22:50:30 2008 |
So the check you wrote to yourself and put in the .. |
| Posted: Fri Sep 19 18:55:27 2008 |
Top right hand corner, above the member's area, .. |
| Posted: Fri Sep 19 14:22:58 2008 |
Be sure to read this information about closing .. |
| Posted: Fri Sep 19 13:56:08 2008 |
You're welcome. Good .. |
| Posted: Thu Sep 18 20:21:18 2008 |
Also, don't forget that the guitar, amp, etc. are .. |
| Posted: Thu Sep 18 20:19:13 2008 |
You do have to report property transfers for the .. |
| Posted: Thu Sep 18 19:57:38 2008 |
If you live in California, then you can send a .. |
| Posted: Thu Sep 18 15:53:48 2008 |
Since Amex is the original creditor, they do not .. |
| Posted: Thu Sep 18 15:50:26 2008 |
We filed Chapter 7, but I would imagine that the .. |
| Posted: Thu Sep 18 15:42:29 2008 |
I'm glad you're all .. |
| Posted: Thu Sep 18 13:28:07 2008 |
That IS great news for you! .. |
| Posted: Thu Sep 18 12:47:11 2008 |
Wendylynn, have you revoked ACH authorizations .. |
| Posted: Wed Sep 17 20:50:03 2008 |
Congratulations, .. |
| Posted: Wed Sep 17 17:44:36 2008 |
If the OC can't tell you, and the CA can't verify .. |
| Posted: Wed Sep 17 17:30:55 2008 |
Isn't MTE one of the illegal PDLs If so, I can't .. |
| Posted: Wed Sep 17 15:19:08 2008 |
Here is a link to another thread that gives the .. |
| Posted: Wed Sep 17 10:36:18 2008 |
Good .. |
| Posted: Wed Sep 17 10:28:11 2008 |
Attack on forum and name .. |
| Posted: Wed Sep 17 10:12:18 2008 |
MexiGirl, welcome! First of all, you might want .. |
| Posted: Wed Sep 17 10:05:21 2008 |
Guest, have you considered trying to settle your .. |
| Posted: Tue Sep 16 17:20:06 2008 |
I don't think it would hurt anything to go ahead .. |
| Posted: Tue Sep 16 16:00:59 2008 |
Which one is right for you depends on several .. |
| Posted: Tue Sep 16 14:39:22 2008 |
I think there are a few that can add payday loans .. |
| Posted: Tue Sep 16 14:36:24 2008 |
.. |
| Posted: Mon Sep 15 14:23:01 2008 |
I'm not sure about the cold check charges, but .. |
| Posted: Mon Sep 15 13:02:13 2008 |
Charge off is essentially just an accounting .. |
| Posted: Sun Sep 14 11:17:16 2008 |
Attack against .. |
| Posted: Sun Sep 14 11:12:55 2008 |
They don't have to tell you what they paid for .. |
| Posted: Sun Sep 14 11:09:00 2008 |
Read this information about closing your bank .. |
| Posted: Sat Sep 13 19:01:10 2008 |
I hope your plan works out for you! Keep us .. |
| Posted: Sat Sep 13 15:17:35 2008 |
Kklblue, I did see your previous post about your .. |
| Posted: Sat Sep 13 14:58:25 2008 |
Not sure what you are talking about What .. |
| Posted: Sat Sep 13 12:56:53 2008 |
Yes, unless they are zero balance, you do have to .. |
| Posted: Sat Sep 13 10:40:23 2008 |
I'm not familiar with GFSIL. Is this a payday .. |
| Posted: Sat Sep 13 9:34:18 2008 |
Some of my creditors did offer hardship programs .. |
| Posted: Sat Sep 13 8:31:49 2008 |
CD = Cease & Desist. There is a sample .. |
| Posted: Fri Sep 12 22:57:46 2008 |
Most likely they would cancel it, but it's not .. |
| Posted: Fri Sep 12 22:23:15 2008 |
Bll, a couple of my creditors turned accounts .. |
| Posted: Fri Sep 12 17:41:13 2008 |
That's great, Reny! .. |
| Posted: Fri Sep 12 17:38:22 2008 |
OR many of them will increase your interest .. |
| Posted: Fri Sep 12 13:57:18 2008 |
Also, don't forget that you aren't just looking .. |
| Posted: Fri Sep 12 13:55:58 2008 |
A lot depends on the creditor. I've seen posts .. |
| Posted: Fri Sep 12 9:52:35 2008 |
Congratulations, Mobile, on the .. |
| Posted: Fri Sep 12 9:33:56 2008 |
I'm not sure whether they can attach your bank .. |
| Posted: Fri Sep 12 9:31:32 2008 |
wssu, I would suggest that you try to PM Jason. .. |
| Posted: Thu Sep 11 20:19:23 2008 |
In my experiences with creditors, I don't think .. |
| Posted: Thu Sep 11 16:35:20 2008 |
You can find Wisconsin's PDL laws posted in this .. |
| Posted: Thu Sep 11 13:12:10 2008 |
Well, I'm not an attorney, and I do agree that .. |
| Posted: Thu Sep 11 9:14:14 2008 |
I agree with Desperately. The bank HAS to be .. |
| Posted: Thu Sep 11 9:05:31 2008 |
I would start with the court since they are the .. |
| Posted: Wed Sep 10 20:35:36 2008 |
Good luck, FYI. Keep us .. |
| Posted: Tue Sep 9 19:53:57 2008 |
service. You would pay back the full amount .. |
| Posted: Tue Sep 9 19:40:32 2008 |
another solicitation from .. |
| Posted: Tue Sep 9 19:18:01 2008 |
JDB = Junk Debt .. |
| Posted: Tue Sep 9 19:16:11 2008 |
I am married, and my husband and I filed .. |
| Posted: Tue Sep 9 19:14:10 2008 |
solicitation from .. |
| Posted: Tue Sep 9 14:10:12 2008 |
We're expecting a discharge of our Chapter 7 .. |
| Posted: Tue Sep 9 14:03:53 2008 |
When I made the initial appointment with the .. |
| Posted: Tue Sep 9 13:09:45 2008 |
Lisa, you might get more responses if you started .. |
| Posted: Tue Sep 9 12:57:19 2008 |
That's a good question! I never had that happen. .. |
| Posted: Tue Sep 9 12:50:51 2008 |
Do you mean you received it back unopened Did .. |
| Posted: Sat Sep 6 22:24:15 2008 |
They will charge off the balance at 180 days .. |
| Posted: Sat Sep 6 14:38:17 2008 |
Have you closed your bank account I did a search .. |
| Posted: Sat Sep 6 14:25:09 2008 |
There are some phone number for STCadvance listed .. |
| Posted: Sat Sep 6 14:20:32 2008 |
How much did you originally .. |
| Posted: Sat Sep 6 14:16:27 2008 |
I agree. If they are operating illegally, what .. |
| Posted: Sat Sep 6 13:15:12 2008 |
waltj posting personal information about another .. |
| Posted: Sat Sep 6 13:10:57 2008 |
How did you find out about the amount due Did .. |
| Posted: Sat Sep 6 10:54:25 2008 |
From what I've read, most internet lenders are .. |
| Posted: Sat Sep 6 10:11:45 2008 |
Bad checks are a different story. You actually .. |
| Posted: Sat Sep 6 10:06:54 2008 |
I've never heard of them. Are they a lender, .. |
| Posted: Fri Sep 5 15:23:53 2008 |
Great post and good advice, @#$% Payday Loans .. |
| Posted: Fri Sep 5 13:02:56 2008 |
I hear what you are saying about band, and I am .. |
| Posted: Fri Sep 5 11:40:33 2008 |
sandyentrust - .. |
| Posted: Thu Sep 4 22:05:06 2008 |
Depending what state you live in, what your .. |
| Posted: Thu Sep 4 18:51:31 2008 |
Getting copies of your credit reports is probably .. |
| Posted: Thu Sep 4 11:15:06 2008 |
LOL!! .. |
| Posted: Thu Sep 4 11:12:24 2008 |
I think not all of her creditors were willing to .. |
| Posted: Thu Sep 4 6:10:01 2008 |
That's a good question. Normally, if the .. |
| Posted: Thu Sep 4 6:03:29 2008 |
LOL!! .. |
| Posted: Wed Sep 3 21:07:14 2008 |
mjake, welcome to the forum! If you start a new .. |
| Posted: Wed Sep 3 21:02:27 2008 |
Good going! Keep it up, and hopefully soon .. |
| Posted: Wed Sep 3 20:59:38 2008 |
Good job .. |
| Posted: Wed Sep 3 20:57:28 2008 |
That's GREAT Reny!!! I'm so happy for .. |
| Posted: Wed Sep 3 13:40:13 2008 |
Can what affect your credit report .. |
| Posted: Wed Sep 3 6:38:59 2008 |
Usually, the store fronts are operating legally, .. |
| Posted: Wed Sep 3 6:35:24 2008 |
If you check out this thread, you can read about .. |
| Posted: Tue Sep 2 20:54:11 2008 |
I don't think stop payments generally work .. |
| Posted: Tue Sep 2 20:44:15 2008 |
Good luck, and let us know how it .. |
| Posted: Tue Sep 2 15:31:11 2008 |
I wouldn't tell them that you intend to settle .. |
| Posted: Tue Sep 2 7:25:19 2008 |
WooHoo!! .. |
| Posted: Tue Sep 2 7:22:21 2008 |
Anytime! .. |
| Posted: Tue Sep 2 7:16:23 2008 |
Desperately, I think she has been in a DMP with T .. |
| Posted: Mon Sep 1 21:11:30 2008 |
One other thing to keep in mind. . .
You .. |
| Posted: Mon Sep 1 20:55:39 2008 |
Congratulations!! .. |
| Posted: Mon Sep 1 20:50:40 2008 |
Nascar, congratulations! You've earned it!! .. |
| Posted: Mon Sep 1 20:49:27 2008 |
Congtrats, Mobile! You definitely deserve it!! .. |
| Posted: Mon Sep 1 20:47:28 2008 |
I do think that this forum is a benefit to many .. |
| Posted: Mon Sep 1 20:25:30 2008 |
Reny, I think, as Desperately said, you can file, .. |
| Posted: Sun Aug 31 20:10:57 2008 |
Advanta was one of our only creditors that called .. |
| Posted: Sun Aug 31 17:53:45 2008 |
Yes, I hope you all stay safe! You are in my .. |
| Posted: Sun Aug 31 17:51:03 2008 |
Be sure to give your employer a copy of your ACH .. |
| Posted: Sun Aug 31 17:46:26 2008 |
Reny, I think that's a good move! It's always so .. |
| Posted: Sun Aug 31 12:50:25 2008 |
The following debts are considered to be .. |
| Posted: Sat Aug 30 21:44:47 2008 |
Yes, I think it might have an effect. They won't .. |
| Posted: Sat Aug 30 13:06:50 2008 |
If it's true that they are not legal or licensed .. |
| Posted: Sat Aug 30 11:47:50 2008 |
Since the OP has already been paying on this loan .. |
| Posted: Fri Aug 29 20:30:43 2008 |
Congratulations! Keep up the good .. |
| Posted: Fri Aug 29 20:17:54 2008 |
I THINK the four years starts ticking on the .. |
| Posted: Fri Aug 29 17:30:29 2008 |
My understanding is this (and I'm not a lawyer, .. |
| Posted: Fri Aug 29 17:04:32 2008 |
Or even if they won't back date it, you might ask .. |
| Posted: Fri Aug 29 16:57:12 2008 |
I definitely believe that certain propensities .. |
| Posted: Fri Aug 29 16:01:07 2008 |
There is contact information listed in this .. |
| Posted: Fri Aug 29 15:54:50 2008 |
Also, a word of caution . . . If you do end up .. |
| Posted: Fri Aug 29 15:39:57 2008 |
And try to remember that even though the alcohol .. |
| Posted: Fri Aug 29 15:37:49 2008 |
You're very welcome! We are all here to help .. |
| Posted: Fri Aug 29 15:31:30 2008 |
Yes, I know that it's tough dealing with .. |
| Posted: Fri Aug 29 15:26:41 2008 |
I apparently was typing while you posted your .. |
| Posted: Fri Aug 29 15:21:45 2008 |
Well, first of all, welcome to the site! .. |
| Posted: Fri Aug 29 14:46:30 2008 |
If you do a search in the box above, you can read .. |
| Posted: Fri Aug 29 14:21:00 2008 |
We're hoping to go to the beach one last .. |
| Posted: Fri Aug 29 14:14:25 2008 |
Kenny, did you read this information about .. |
| Posted: Fri Aug 29 14:10:36 2008 |
I see that you have listed your state and the .. |
| Posted: Fri Aug 29 11:40:58 2008 |
Jen, if you don't have an agreement in writing .. |
| Posted: Fri Aug 29 10:52:50 2008 |
Ask them if they have a loan modification .. |
| Posted: Fri Aug 29 10:31:16 2008 |
Yes! .. |
| Posted: Thu Aug 28 19:37:29 2008 |
Yes! .. |
| Posted: Wed Aug 27 19:10:17 2008 |
You're making good .. |
| Posted: Wed Aug 27 17:34:12 2008 |
Have you checked into non-profit DMPs, through .. |
| Posted: Wed Aug 27 16:59:12 2008 |
Actually, I just remembered, I think you said .. |
| Posted: Wed Aug 27 16:46:46 2008 |
Haven't you been with them for awhile How much .. |
| Posted: Wed Aug 27 16:38:06 2008 |
As bdouble stated, keep going up the chain of .. |
| Posted: Wed Aug 27 16:27:02 2008 |
It seems to me that I read somewhere that an .. |
| Posted: Wed Aug 27 10:19:31 2008 |
Too funny! .. |
| Posted: Wed Aug 27 10:16:20 2008 |
But if they never responded, then aren't they .. |
| Posted: Wed Aug 27 10:06:59 2008 |
As I said, it's really just a guess, but unless .. |
| Posted: Wed Aug 27 9:57:50 2008 |
I'm not that familiar with Chexsystems, but would .. |
| Posted: Wed Aug 27 6:17:52 2008 |
What if you basically follow your plan of paying .. |
| Posted: Wed Aug 27 6:10:22 2008 |
I think that will make several people .. |
| Posted: Tue Aug 26 17:01:01 2008 |
Yes, if your "forgiven" debt is over .. |
| Posted: Tue Aug 26 16:50:11 2008 |
Wow, good job, SSudan!! .. |
| Posted: Tue Aug 26 14:38:52 2008 |
Most of them do allow it, but I think there are .. |
| Posted: Tue Aug 26 14:32:44 2008 |
My guess is that you would have to start over .. |
| Posted: Tue Aug 26 14:28:59 2008 |
Accounts are charged off at 180 days delinquent .. |
| Posted: Tue Aug 26 12:51:59 2008 |
How far delinquent are you on your accounts If .. |
| Posted: Tue Aug 26 12:41:52 2008 |
Wendy, I've seen many posts where people thought .. |
| Posted: Tue Aug 26 6:32:01 2008 |
Good news about Little Loan Shoppe!
How are .. |
| Posted: Mon Aug 25 13:23:13 2008 |
Welcome, .. |
| Posted: Mon Aug 25 9:25:34 2008 |
Yes! .. |
| Posted: Mon Aug 25 9:16:28 2008 |
I just used photocopies, even the first time. I .. |
| Posted: Mon Aug 25 5:51:59 2008 |
Congrats to .. |
| Posted: Mon Aug 25 5:48:48 2008 |
Yay, smo!! .. |
| Posted: Sun Aug 24 18:36:54 2008 |
Sounds to me like they are saying that your .. |
| Posted: Sun Aug 24 17:21:03 2008 |
Oh, and by the way, Mauro, feel free to donate .. |
| Posted: Sun Aug 24 17:14:12 2008 |
Mlm, I'm glad that your attorney and the trustee .. |
| Posted: Sun Aug 24 16:03:43 2008 |
This is the only statement that I made that I .. |
| Posted: Sun Aug 24 15:23:20 2008 |
I think that depends on some other factors. Are .. |
| Posted: Sun Aug 24 15:12:32 2008 |
Mlm, when you say that the account is included in .. |
| Posted: Sun Aug 24 15:03:35 2008 |
Last time I checked, credentials weren't a .. |
| Posted: Sun Aug 24 14:55:36 2008 |
Yes, I would definitely worry about getting a .. |
| Posted: Sun Aug 24 13:56:25 2008 |
Ging, you can't be imprisoned for not paying a .. |
| Posted: Sun Aug 24 13:50:12 2008 |
solicitation by .. |
| Posted: Sun Aug 24 13:48:13 2008 |
Mauro, solicitations are not allowed on this .. |
| Posted: Sun Aug 24 13:39:30 2008 |
Whether you can keep the vehicles or not depends .. |
| Posted: Sun Aug 24 13:22:02 2008 |
If the debt is only in the wife's name and the .. |
| Posted: Sun Aug 24 13:16:26 2008 |
My understanding is that the , on the other hand, .. |
| Posted: Sun Aug 24 12:59:51 2008 |
I think that if you don't go to court, the other .. |
| Posted: Sun Aug 24 12:49:52 2008 |
Actually, I've seen many posts on this forum of .. |
| Posted: Sun Aug 24 12:47:02 2008 |
solicitation by .. |
| Posted: Sat Aug 23 22:19:01 2008 |
Good job, Dena!! Keep it up, and you'll get them .. |
| Posted: Sat Aug 23 21:02:16 2008 |
Frodo, I'm sorry to hear of your .. |
| Posted: Sat Aug 23 20:48:45 2008 |
That's a good question. I also would advise .. |
| Posted: Sat Aug 23 20:29:30 2008 |
My understanding is that's one of the advantages .. |
| Posted: Sat Aug 23 20:23:33 2008 |
Chapter 7 .. |
| Posted: Sat Aug 23 17:54:09 2008 |
If your goal is to increase monthly cash flow, I .. |
| Posted: Sat Aug 23 15:41:15 2008 |
Odilmark, I don't know the answer to your .. |
| Posted: Sat Aug 23 15:28:56 2008 |
I did a little bit of research once upon a time .. |
| Posted: Sat Aug 23 14:04:01 2008 |
Jin, I think that if you had any decency, you .. |
| Posted: Sat Aug 23 13:30:53 2008 |
You're welcome, melben! To do it, you just find .. |
| Posted: Sat Aug 23 13:25:31 2008 |
Here is the thread that I think Phoenix meant to .. |
| Posted: Sat Aug 23 12:55:30 2008 |
PK, there is a positive experience posted here, .. |
| Posted: Sat Aug 23 10:07:08 2008 |
I live on the West Coast, so I'm not sure about .. |
| Posted: Sat Aug 23 10:02:52 2008 |
Lorri, I think the reason that you are confused .. |
| Posted: Sat Aug 23 9:53:19 2008 |
Bill, if you do decide to try do it yourself , .. |
| Posted: Fri Aug 22 21:08:08 2008 |
I don't know the answer to that question, but .. |
| Posted: Fri Aug 22 20:45:18 2008 |
As far as BK being a bargaining chip, I found .. |
| Posted: Fri Aug 22 20:05:58 2008 |
Molina, I'm not sure of the answer to your .. |
| Posted: Fri Aug 22 19:51:18 2008 |
Yes, I wondered about that too! .. |
| Posted: Fri Aug 22 18:58:30 2008 |
Hi! Take a look at this thread. I think it has .. |
| Posted: Fri Aug 22 15:47:10 2008 |
Careful, your post could be construed as sounding .. |
| Posted: Fri Aug 22 13:49:34 2008 |
Guest, I think the original poster specifically .. |
| Posted: Fri Aug 22 12:56:08 2008 |
Guest, certainly, feel free to post whatever .. |
| Posted: Fri Aug 22 9:43:14 2008 |
Definitely pay your mortgage first. The credit .. |
| Posted: Fri Aug 22 9:36:11 2008 |
I guess emailing certainly couldn't hurt. You .. |
| Posted: Fri Aug 22 8:57:50 2008 |
I seriously doubt that if you are willing to make .. |
| Posted: Fri Aug 22 7:29:53 2008 |
True, Goudah! They could also put a lien on our .. |
| Posted: Fri Aug 22 6:01:02 2008 |
We were just asked whether we read the petition .. |
| Posted: Thu Aug 21 18:46:25 2008 |
I think that if someone is not going to take any .. |
| Posted: Thu Aug 21 17:35:02 2008 |
Thanks for the encouragement, everyone! .. |
| Posted: Thu Aug 21 17:33:18 2008 |
What state are you .. |
| Posted: Thu Aug 21 16:18:11 2008 |
However, if you signed voluntary wage .. |
| Posted: Thu Aug 21 15:39:20 2008 |
We had our creditor meeting today. As expected, .. |
| Posted: Thu Aug 21 15:32:06 2008 |
Thanks, smo! Yes, AAA has already said that they .. |
| Posted: Thu Aug 21 15:26:23 2008 |
Go .. |
| Posted: Thu Aug 21 15:19:14 2008 |
I'm not a PDL expert, but if the PDL is not legal .. |
| Posted: Thu Aug 21 15:08:31 2008 |
I just wrote a note saying that my father had .. |
| Posted: Wed Aug 20 21:04:35 2008 |
Actually, Dollars, I think that Now What is one .. |
| Posted: Wed Aug 20 20:23:59 2008 |
Denny, I'm sorry this person is trying so hard to .. |
| Posted: Wed Aug 20 19:53:12 2008 |
Thanks, guys! .. |
| Posted: Wed Aug 20 14:29:03 2008 |
Tilliesmom, I'm very sorry you are having so much .. |
| Posted: Wed Aug 20 13:19:27 2008 |
There is a lot of good information in the section .. |
| Posted: Wed Aug 20 13:06:19 2008 |
I never had to prove there wasn't an estate. I .. |
| Posted: Wed Aug 20 8:57:02 2008 |
Thanks, Desperately! Actually, AAA has finally .. |
| Posted: Wed Aug 20 7:41:57 2008 |
Have you guys all filed police reports and .. |
| Posted: Wed Aug 20 6:45:05 2008 |
If you go to the website for the Secretary of .. |
| Posted: Tue Aug 19 17:20:06 2008 |
LOL!! .. |
| Posted: Tue Aug 19 16:04:01 2008 |
I'm pretty sure that you are correct that the .. |
| Posted: Tue Aug 19 15:29:22 2008 |
Jedi, did you maybe miss the fact that this .. |
| Posted: Tue Aug 19 15:02:00 2008 |
Yes, I believe it does go by the due .. |
| Posted: Tue Aug 19 13:54:05 2008 |
Again, I would have to point out that each .. |
| Posted: Tue Aug 19 13:26:38 2008 |
Also, I've read a lot of Mobile's posts. I've .. |
| Posted: Tue Aug 19 13:11:15 2008 |
My last post was reponding to Guest, not to .. |
| Posted: Tue Aug 19 13:10:00 2008 |
Hmm . . . Well, maybe he shouldn't be posting .. |
| Posted: Tue Aug 19 12:49:26 2008 |
Sorry, Goudah, I didn't realize that telling him .. |
| Posted: Tue Aug 19 10:56:05 2008 |
Wow, Mac! Good for you!!
And also good .. |
| Posted: Tue Aug 19 10:53:12 2008 |
The link is still here, as far as I can see. Go .. |
| Posted: Tue Aug 19 10:50:45 2008 |
Did you also send East Side Lenders an email
I .. |
| Posted: Tue Aug 19 10:45:18 2008 |
DebtHelp, it would probably be best if you .. |
| Posted: Tue Aug 19 7:23:12 2008 |
As you've been told before, if you think you have .. |
| Posted: Tue Aug 19 6:44:05 2008 |
We filed Chapter 7, but I can tell you that in .. |
| Posted: Tue Aug 19 6:05:23 2008 |
Have you revoked voluntary wage assignments with .. |
| Posted: Mon Aug 18 21:10:37 2008 |
I believe the mystery post is .. |
| Posted: Mon Aug 18 20:18:04 2008 |
Seems to me that someone who has learned from .. |
| Posted: Mon Aug 18 17:42:27 2008 |
jrodriguez, has someone previously posted the CA .. |
| Posted: Mon Aug 18 17:36:07 2008 |
Read the thread I gave you above. Apparently, .. |
| Posted: Mon Aug 18 17:31:57 2008 |
You should read this .. |
| Posted: Mon Aug 18 11:56:45 2008 |
Bea, I'm sorry you're having so much trouble with .. |
| Posted: Mon Aug 18 7:31:40 2008 |
Your bank might agree to do that since they can .. |
| Posted: Mon Aug 18 6:30:23 2008 |
Luke, go to nolo.com, and under "Property .. |
| Posted: Sun Aug 17 16:51:29 2008 |
Welcome, flanandone! You will need to post some .. |
| Posted: Sun Aug 17 16:45:02 2008 |
Me too! Your advice is always well thought out .. |
| Posted: Sun Aug 17 16:05:36 2008 |
Yes, Luke, I agree. Maybe if we just ignore him, .. |
| Posted: Sun Aug 17 15:50:44 2008 |
Glad I could brighten your day, Luke!! .. |
| Posted: Sun Aug 17 15:29:55 2008 |
Oh, but according to the aka person, it would be .. |
| Posted: Sun Aug 17 15:10:57 2008 |
That's great Fred! I hope that gives you the .. |
| Posted: Sun Aug 17 15:08:04 2008 |
What happened is that Nolo, aka CalLawyer, aka .. |
| Posted: Sun Aug 17 12:59:23 2008 |
Yes, they are sneaky. The best thing to do is to .. |
| Posted: Sun Aug 17 12:56:39 2008 |
Hmm . . . It doesn't look like it's such a big, .. |
| Posted: Sun Aug 17 12:49:31 2008 |
Hang in there Fred!! You're doing great, and it .. |
| Posted: Sun Aug 17 12:46:41 2008 |
I think it's supposed to come off automatically. .. |
| Posted: Sun Aug 17 8:46:36 2008 |
Sorry, I'm not paid (other than being able to .. |
| Posted: Sun Aug 17 8:42:47 2008 |
I see, so your real purpose is only to criticize .. |
| Posted: Sun Aug 17 8:09:20 2008 |
Guest, aka CalLawyer, aka WhatTheF, as I said in .. |
| Posted: Sun Aug 17 0:09:23 2008 |
By the way, WhatTheF, aka CalLawyer, if you are .. |
| Posted: Sat Aug 16 23:59:41 2008 |
And you obviously haven't been trolling these .. |
| Posted: Sat Aug 16 23:58:08 2008 |
And I have NEVER advised anyone not to get a .. |
| Posted: Sat Aug 16 20:13:39 2008 |
Have you tried disputing it with .. |
| Posted: Sat Aug 16 20:00:48 2008 |
Are you referring to a plan or to a settlement .. |
| Posted: Sat Aug 16 19:52:36 2008 |
When you reaffirm, you basically agree to still .. |
| Posted: Sat Aug 16 19:45:19 2008 |
Good work, and keep us posted!! .. |
| Posted: Sat Aug 16 17:35:46 2008 |
My husband and I both filed together, so I'm not .. |
| Posted: Sat Aug 16 15:34:50 2008 |
Can you get the hospital to give you a copy of .. |
| Posted: Sat Aug 16 14:54:56 2008 |
Just because they send it to an attorney doesn't .. |
| Posted: Sat Aug 16 14:47:09 2008 |
I do think that I've read on here that you can .. |
| Posted: Sat Aug 16 13:50:33 2008 |
Oh, and I almost forgot . . . If you are being .. |
| Posted: Sat Aug 16 13:46:53 2008 |
You can receive a Chapter 7 BK discharge eight .. |
| Posted: Sat Aug 16 13:01:07 2008 |
I'm not a PDL expert, but it seems to me that you .. |
| Posted: Sat Aug 16 12:53:41 2008 |
How long have you banked with B of A Have you .. |
| Posted: Sat Aug 16 12:43:42 2008 |
I don't think it will be easy to get a refund .. |
| Posted: Sat Aug 16 12:38:46 2008 |
WooHoo!! I know you've been waiting for that!! .. |
| Posted: Sat Aug 16 9:31:37 2008 |
I know that a few years ago when we were trying .. |
| Posted: Sat Aug 16 9:18:18 2008 |
Spankthem, posting email addresses is not .. |
| Posted: Sat Aug 16 9:14:38 2008 |
You may not even ever hear back from them! If .. |
| Posted: Sat Aug 16 9:12:01 2008 |
I think it's seven years from last activity, .. |
| Posted: Fri Aug 15 20:32:41 2008 |
Is the reason that you can't file Chapter 7 .. |
| Posted: Fri Aug 15 18:31:04 2008 |
That's good .. |
| Posted: Fri Aug 15 18:21:00 2008 |
By the way, we did look at all of the other .. |
| Posted: Fri Aug 15 18:15:28 2008 |
Not a super bad experience . . . My husband had .. |
| Posted: Fri Aug 15 16:30:56 2008 |
Be sure that you read this information about .. |
| Posted: Fri Aug 15 16:23:31 2008 |
If you received a summons, you definitely need to .. |
| Posted: Fri Aug 15 16:16:30 2008 |
I believe that it can stay on your report until .. |
| Posted: Fri Aug 15 16:13:33 2008 |
Sounds like you handled it just fine! As Paul .. |
| Posted: Fri Aug 15 16:09:48 2008 |
You don't need to do anything else. As long as .. |
| Posted: Fri Aug 15 16:00:50 2008 |
Whether you do through an attorney or through a .. |
| Posted: Fri Aug 15 9:22:52 2008 |
Happy .. |
| Posted: Fri Aug 15 9:21:02 2008 |
Yes, it .. |
| Posted: Fri Aug 15 9:18:37 2008 |
Dollars, the OP has $100K in
So it sounds .. |
| Posted: Fri Aug 15 9:02:16 2008 |
Chroma, you're doing great!! I'm sure it feels .. |
| Posted: Thu Aug 14 19:26:24 2008 |
Jeez! Sounds like a case of the "right hand .. |
| Posted: Thu Aug 14 18:54:36 2008 |
How did they seize your bank account Did they .. |
| Posted: Thu Aug 14 18:45:37 2008 |
Well, my husband and I were about $140,000 in . .. |
| Posted: Thu Aug 14 12:51:38 2008 |
Way to go!! Congratulations!!! .. |
| Posted: Thu Aug 14 12:43:46 2008 |
If you have had a loss of income, or something .. |
| Posted: Thu Aug 14 12:39:53 2008 |
Great for you that you didn't reloan!! .. |
| Posted: Thu Aug 14 12:37:33 2008 |
If you have received a summons to appear in .. |
| Posted: Thu Aug 14 12:29:51 2008 |
I don't think so . . . Since she is an adult, I .. |
| Posted: Thu Aug 14 11:45:29 2008 |
Yes, it is 8 years, and I think it goes by .. |
| Posted: Wed Aug 13 18:44:40 2008 |
Certified is all you need. Most people say to do .. |
| Posted: Wed Aug 13 18:41:13 2008 |
I was able to get a mortgage modification on my .. |
| Posted: Wed Aug 13 17:07:07 2008 |
None of mine responded favorably to my letters. .. |
| Posted: Wed Aug 13 16:42:48 2008 |
Have you tried looking into a debt mamnagement .. |
| Posted: Wed Aug 13 16:08:27 2008 |
We are not a lender, but typically if you want to .. |
| Posted: Wed Aug 13 16:01:48 2008 |
If you didn't sign up for the free counseling .. |
| Posted: Wed Aug 13 15:59:15 2008 |
You can call the number at the top of the screen, .. |
| Posted: Wed Aug 13 15:53:15 2008 |
Please read some of the more recent posts about .. |
| Posted: Wed Aug 13 14:34:02 2008 |
They probably keep selling it because they can't .. |
| Posted: Wed Aug 13 14:29:54 2008 |
And here is his other post that he reference at .. |
| Posted: Wed Aug 13 14:28:13 2008 |
Here is the link to firstwizard's original post, .. |
| Posted: Wed Aug 13 13:20:26 2008 |
Most people seem to email their letters, and some .. |
| Posted: Wed Aug 13 12:58:49 2008 |
And they can't legally get a judgment against you .. |
| Posted: Tue Aug 12 19:26:38 2008 |
I would still fight it. You've already paid them .. |
| Posted: Tue Aug 12 19:19:59 2008 |
Helpsc, your mother can't go to jail for an .. |
| Posted: Tue Aug 12 13:52:44 2008 |
I'm pretty sure it was in the Pub when I posted .. |
| Posted: Tue Aug 12 13:40:57 2008 |
Flames, you REALLY need to work something out .. |
| Posted: Tue Aug 12 13:18:32 2008 |
Once you revoke the wage assignments, be sure to .. |
| Posted: Tue Aug 12 13:07:59 2008 |
In order to get better advice, you should also .. |
| Posted: Tue Aug 12 13:05:40 2008 |
If you click on "edit profile" in the .. |
| Posted: Tue Aug 12 8:16:15 2008 |
There are some places that you can apply to .. |
| Posted: Tue Aug 12 8:01:11 2008 |
I'm not sure that they would lower it again if .. |
| Posted: Mon Aug 11 21:06:08 2008 |
Good job!! Yes, it does take time, but think of .. |
| Posted: Mon Aug 11 17:38:41 2008 |
I agree with jjanney. It's pretty unlikely that .. |
| Posted: Mon Aug 11 17:21:50 2008 |
Tell them that you will ONLY pay by money order .. |
| Posted: Mon Aug 11 17:19:20 2008 |
It sounds like you are making some good progress. .. |
| Posted: Mon Aug 11 17:10:35 2008 |
According to the IRS, it's determined by whether .. |
| Posted: Mon Aug 11 7:17:15 2008 |
Definitely a good start!! Keep up the good .. |
| Posted: Sun Aug 10 18:27:06 2008 |
I'm not completely sure about the car since we .. |
| Posted: Sun Aug 10 18:15:36 2008 |
By the way, I just read your earlier post a .. |
| Posted: Sun Aug 10 16:04:00 2008 |
Keep up the good work! We're rooting for .. |
| Posted: Sun Aug 10 13:14:55 2008 |
Our pleasure!
Good luck to you, and keep us .. |
| Posted: Sun Aug 10 13:03:20 2008 |
Were all of these businesses sole .. |
| Posted: Sun Aug 10 12:54:08 2008 |
Not that they will necessarily obey your .. |
| Posted: Sun Aug 10 8:49:48 2008 |
From what I've read on the boards, Credit .. |
| Posted: Sat Aug 9 21:26:45 2008 |
Be sure to read this info about closing your bank .. |
| Posted: Sat Aug 9 21:25:14 2008 |
Be sure to click on the link I posted above about .. |
| Posted: Sat Aug 9 21:20:47 2008 |
You're welcome, scared. Have a fun vacation, and .. |
| Posted: Sat Aug 9 20:18:15 2008 |
I think some people try hard NOT to .. |
| Posted: Sat Aug 9 20:15:59 2008 |
Welcome back, .. |
| Posted: Sat Aug 9 20:13:57 2008 |
According to the IRS, it's if you were insolvent .. |
| Posted: Sat Aug 9 19:03:45 2008 |
Most credit card companies are not really willing .. |
| Posted: Sat Aug 9 15:45:53 2008 |
Well, once you hit the 180 day mark, the Ocs will .. |
| Posted: Sat Aug 9 15:15:51 2008 |
There is always the risk of being sued, but many .. |
| Posted: Sat Aug 9 15:10:55 2008 |
Debt validation letter. You can find some .. |
| Posted: Sat Aug 9 12:58:16 2008 |
Layla, that's good news for you! I don't have .. |
| Posted: Sat Aug 9 12:20:35 2008 |
Yay!! That's great!!!! .. |
| Posted: Sat Aug 9 11:12:15 2008 |
Great story!! I don't suppose your attorney .. |
| Posted: Sat Aug 9 11:08:55 2008 |
I don't know whether it is still valid, but there .. |
| Posted: Sat Aug 9 10:51:12 2008 |
I'm not a lawyer, but as long as your letter has .. |
| Posted: Sat Aug 9 7:54:52 2008 |
There are three credit bureaus. Did you get your .. |
| Posted: Sat Aug 9 7:32:16 2008 |
Here is information to read if you need to close .. |
| Posted: Sat Aug 9 7:12:12 2008 |
Since PDLs are illegal in NJ, it looks like you .. |
| Posted: Fri Aug 8 22:02:13 2008 |
According to Goudah, the original contract .. |
| Posted: Fri Aug 8 21:55:49 2008 |
It's amazing how all of those "little" .. |
| Posted: Fri Aug 8 18:57:13 2008 |
Welcome! That's good news about your .. |
| Posted: Fri Aug 8 18:52:42 2008 |
That's interesting because I actually found that .. |
| Posted: Fri Aug 8 17:11:26 2008 |
I'm not a PDL expert, and I don't want to give .. |
| Posted: Fri Aug 8 17:03:57 2008 |
Here are your .. |
| Posted: Fri Aug 8 17:00:41 2008 |
certified mail return receipt .. |
| Posted: Fri Aug 8 16:24:57 2008 |
Good job!! Congratulations, .. |
| Posted: Fri Aug 8 16:17:10 2008 |
Scooter, what service are you talking about Did .. |
| Posted: Fri Aug 8 13:19:43 2008 |
I was able to get put into a hardship program by .. |
| Posted: Fri Aug 8 12:37:11 2008 |
If you do need to close your bank account, be .. |
| Posted: Fri Aug 8 9:06:07 2008 |
No, you can't go to jail for an unpaid .. |
| Posted: Fri Aug 8 9:03:16 2008 |
DR, keep us posted on that. I'm sure that many .. |
| Posted: Fri Aug 8 7:31:02 2008 |
I have recently filed Chapter 7, but it hasn't .. |
| Posted: Fri Aug 8 7:27:58 2008 |
Is this a collection agency They can file a .. |
| Posted: Thu Aug 7 20:58:42 2008 |
Do you have any funds that you can negotiate with .. |
| Posted: Thu Aug 7 20:49:50 2008 |
You ca |
