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Posts by Morningstar
Posting date Subject
Posted: Thu Oct 23 2:06:57 2008 debt consolidation ..
Posted: Fri Oct 10 6:38:26 2008 If this is in MI, then I believe it is paid to ..
Posted: Thu Oct 2 13:57:46 2008 Accounts included in Bankruptcy are still showing delinquent ..
Posted: Thu Oct 2 1:38:33 2008 Assuming enough people did so, that would ..
Posted: Mon Aug 11 17:58:59 2008 PDL Satire ..
Posted: Mon Aug 11 17:27:32 2008 I sincerely doubt ..
Posted: Thu Aug 7 20:31:40 2008 a) depends on your state b) send a cease and ..
Posted: Mon Aug 4 21:39:00 2008 If you wrote a bad check intentionally, it is not ..
Posted: Thu Jul 31 17:27:41 2008 I think there is a class action suit in ..
Posted: Sun Jul 20 2:14:08 2008 If you were sold a service that would ..
Posted: Mon Jul 14 1:17:12 2008 A judgment in IL is good for 20 ..
Posted: Wed Jul 9 2:37:56 2008 Not an auto loan, but two credit cards. One ..
Posted: Sat Jun 28 20:24:53 2008 Is this a debt owed to a governmental ..
Posted: Fri Jun 27 16:51:57 2008 From the Thrifty ..
Posted: Thu Jun 26 3:02:15 2008 I suggest you learn the differences between ..
Posted: Thu Jun 26 2:42:08 2008 Stop paying, wait, then ..
Posted: Tue Jun 24 17:06:19 2008 You can dispute for any reason you ..
Posted: Mon Jun 23 23:31:51 2008 account was charged off. Therefore, the entry ..
Posted: Mon Jun 23 22:36:36 2008 The CRAs likely have contractually obligated the ..
Posted: Sun Jun 22 7:28:39 2008 That was over FDRS Oooh, maybe I'll be next in ..
Posted: Sun Jun 22 7:24:02 2008 Perhaps I should have posted that I did ..
Posted: Sun Jun 22 7:21:48 2008 Nothing is necessarily removed from the credit ..
Posted: Sun Jun 22 3:53:39 2008 And I am glad that you did not mistake my ..
Posted: Sun Jun 22 3:49:31 2008 Sorry to hear about the cancer, I do hope that ..
Posted: Sun Jun 22 3:25:21 2008 It depends on how deep in trouble you ..
Posted: Sun Jun 22 0:31:31 2008 Look ..
Posted: Sun Jun 22 0:16:32 2008 Same ..
Posted: Sun Jun 22 0:00:54 2008 KTH, My general philosophy is political ..
Posted: Sat Jun 21 0:57:00 2008 Griping about the criticism calling FDRS a ..
Posted: Fri Jun 20 23:39:20 2008 I don’t know which one it is, and I don’t ..
Posted: Fri Jun 20 23:20:02 2008 The term "judgment proof" is a ..
Posted: Fri Jun 20 7:39:04 2008 No...it's like filing BK with a mortgage--the ..
Posted: Fri Jun 20 3:06:06 2008 CRAs probably limit by contract, the amount of ..
Posted: Fri Jun 20 3:02:19 2008 Yes it is. I used two or three offers of ..
Posted: Wed Jun 18 23:52:18 2008 I think so--falling under exports and ..
Posted: Wed Jun 18 23:42:17 2008 Possibly, but if you can't afford to pay your ..
Posted: Wed Jun 18 9:39:21 2008 Browsing his site was worthwhile. I needed a ..
Posted: Wed Jun 18 0:11:26 2008 So I got thinking: Can admin program a mod's ..
Posted: Tue Jun 17 22:59:58 2008 Outsourcing. Wage garnishment is an ..
Posted: Tue Jun 17 16:43:50 2008 Collection agency + past due child support = ..
Posted: Tue Jun 17 16:40:47 2008 They should not attempt to sue you, but they ..
Posted: Tue Jun 17 6:51:55 2008 If the OC still owns the debt, then the ..
Posted: Tue Jun 17 5:38:49 2008 If you cannot handle dealing with your creditors, ..
Posted: Tue Jun 17 0:10:31 2008 Yes. ..
Posted: Mon Jun 16 23:51:56 2008 You could sue them in federal court. You could ..
Posted: Mon Jun 16 23:50:13 2008 Fair Credit Reporting ..
Posted: Sun Jun 15 23:56:30 2008 You are too funny. A man takes ..
Posted: Sun Jun 15 2:37:50 2008 Then file ID theft complaints with your police ..
Posted: Sun Jun 15 0:56:22 2008 ; you did not file BK, the mortgage company did, ..
Posted: Sat Jun 14 18:24:38 2008 I have to wonder if you'd be better off applying ..
Posted: Sat Jun 14 3:47:51 2008 mortgage modification ..
Posted: Sat Jun 14 3:36:08 2008 Indeed. A positive payment history will ..
Posted: Thu Jun 12 18:55:09 2008 Oh...you meant accept. Does your state have a ..
Posted: Thu Jun 12 18:51:13 2008 Most (all) insurance companies except those with ..
Posted: Thu Jun 12 16:06:57 2008 In that case, please reference the federal ..
Posted: Thu Jun 12 7:06:23 2008 Someone else was posting in the consolidation ..
Posted: Thu Jun 12 4:45:06 2008 JD, your previous posts have been deleted...they ..
Posted: Thu Jun 12 4:38:55 2008 Where is the ..
Posted: Thu Jun 12 4:38:14 2008 The debtor could be experiencing denial or ..
Posted: Thu Jun 12 4:00:44 2008 JCEMT's MS/FB suggestion could help drive ..
Posted: Thu Jun 12 3:56:59 2008 Increase traffic by posting to Yahoo ..
Posted: Wed Jun 11 4:55:17 2008 Probably six years, per Hill v. American ..
Posted: Wed Jun 11 4:37:33 2008 Accurate ..
Posted: Mon Jun 9 9:09:26 2008 Resurgent has documents on file with SecState ..
Posted: Mon Jun 9 7:25:03 2008 If LVNV did not attempt to collect (letters, ..
Posted: Fri Jun 6 19:40:36 2008 Some of the best 45 minutes of my life were ..
Posted: Fri Jun 6 14:09:08 2008 Yes, the collections industry does employ a large ..
Posted: Fri Jun 6 13:55:27 2008 I think posts like that are a valuable resource; ..
Posted: Thu Jun 5 23:49:24 2008 Do not forget to vote for a liberal. ..
Posted: Thu Jun 5 3:05:12 2008 aspect of collections is a ..
Posted: Mon Jun 2 16:00:32 2008 Can put it back on CR: only legal if the debt ..
Posted: Mon Jun 2 8:53:55 2008 Copy the post, paste it into a google search, ..
Posted: Mon Jun 2 6:16:38 2008 Deleted...it was ..
Posted: Mon Jun 2 1:38:19 2008 Please ban the ..
Posted: Mon Jun 2 0:59:47 2008 Why stop with charge offs Why not a push to ..
Posted: Sun Jun 1 5:25:57 2008 This can't be ..
Posted: Fri May 30 17:51:35 2008 This should be helping your score, because of ..
Posted: Fri May 30 8:55:39 2008 CAs are contracted to collect debts owed to ..
Posted: Fri May 30 4:23:24 2008 Dispute as incomplete. Maybe it will be promptly ..
Posted: Thu May 29 17:49:48 2008 LOL You and me ..
Posted: Thu May 29 17:47:38 2008 I do not remember the name of the specific ..
Posted: Thu May 29 17:26:36 2008 Yes; that is the nature of collections. OP ..
Posted: Thu May 29 17:18:01 2008 If no one else has a suggestion, there is ..
Posted: Thu May 29 17:15:12 2008 Sweet. ..
Posted: Thu May 29 17:06:16 2008 If you mail it in, I doubt that they would return ..
Posted: Wed May 28 3:14:35 2008 Hope he picks it back up...he'd make a good ..
Posted: Wed May 28 3:12:35 2008 You quit, you don't get unemployment. The ..
Posted: Wed May 28 3:04:15 2008 IIRC, SOL for credit cards in California is two ..
Posted: Wed May 28 2:59:34 2008 If someone felt the hankering to pursue it, I ..
Posted: Mon May 26 5:20:34 2008 Be sure to check back in from time to ..
Posted: Mon May 26 5:19:04 2008 an invisible purple flying ..
Posted: Mon May 26 1:46:41 2008 Hanky ..
Posted: Mon May 26 1:43:59 2008 and another one, and another ..
Posted: Sat May 24 8:33:54 2008 Even though one of our more recent (and ..
Posted: Sat May 24 8:24:42 2008 Then I propose a garbage thread, used for ..
Posted: Sat May 24 8:11:47 2008 Is it possible to move individual posts into a ..
Posted: Sat May 24 3:37:20 2008 Gone for 2 days and look what I miss. He'll be a ..
Posted: Sat May 24 3:24:55 2008 I ..
Posted: Sat May 24 3:22:55 2008 Call me the voice of dissent. Whoever this ..
Posted: Sat May 24 3:01:51 2008 What is the community doing with other trolls, ..
Posted: Wed May 21 1:57:59 2008 Is he an attorney I don't know that an ..
Posted: Tue May 20 15:59:58 2008 I didn't see this thread until ..
Posted: Tue May 20 15:53:10 2008 You are still missing the point. An attorney ..
Posted: Mon May 19 6:05:56 2008 Dispute as ..
Posted: Mon May 19 2:27:57 2008 Oh...I get it. You provide new information in an ..
Posted: Mon May 19 1:42:33 2008 see a man about a ..
Posted: Sun May 18 4:08:53 2008 how very true that ..
Posted: Sun May 18 4:04:26 2008 Maybe you've got something with the ..
Posted: Sun May 18 3:52:09 2008 I would get drunk in ..
Posted: Fri May 16 7:23:01 2008 I moved Victor's post to the public forum so that ..
Posted: Thu May 8 0:45:44 2008 Your doctor is not working in an ER, ..
Posted: Sun May 4 20:48:46 2008 I think a correction is more likely than a ..
Posted: Sat May 3 19:52:04 2008 And usually triggers the closing of all accounts ..
Posted: Fri May 2 8:35:04 2008 Sure, if they're making illegal threats. If ..
Posted: Tue Apr 29 4:20:04 2008 One garnishment at a ..
Posted: Mon Apr 28 3:11:58 2008 I think it was from msnbc.com: > 50 MPH: ..
Posted: Fri Apr 25 16:00:17 2008 got it. ..
Posted: Fri Apr 25 0:11:59 2008 The lays out a few definitions, one of which is ..
Posted: Tue Apr 22 1:04:34 2008 I would tell your husband so that he isn't ..
Posted: Mon Apr 21 15:31:09 2008 Taxes are due for cancelled debt ($600 or more) ..
Posted: Mon Apr 21 0:24:53 2008 Last ..
Posted: Fri Apr 18 9:03:49 2008 On the contrary; you can try the dispute ..
Posted: Fri Apr 18 8:06:02 2008 A dispute does not lead directly to a ..
Posted: Fri Apr 18 3:26:19 2008 What is AA collecting--a deficiency balance on ..
Posted: Thu Apr 17 18:02:54 2008 I see this situation framed as ..
Posted: Thu Apr 17 7:58:21 2008 With the amount of money at stake for this one ..
Posted: Thu Apr 17 5:58:21 2008 Actually FYI, Mr. Brule continued to post in this ..
Posted: Thu Apr 17 5:49:32 2008 As I re-read it, I don't even see an apology of ..
Posted: Thu Apr 17 4:50:42 2008 Since I'm a college student and Poli Sci/Poli ..
Posted: Wed Apr 16 21:38:54 2008 As I understand it, if: the contract allows ..
Posted: Wed Apr 16 21:27:15 2008 I agree with cannr. Mods have a certain ..
Posted: Wed Apr 16 16:33:14 2008 SOL is the amount of time a creditor has to file ..
Posted: Wed Apr 16 0:23:08 2008 Your score will only be adversely affected if the ..
Posted: Tue Apr 15 16:01:24 2008 Civil Penalties, Bad Checks, North ..
Posted: Tue Apr 15 5:21:50 2008 Do you mean getting rid of ..
Posted: Tue Apr 15 5:11:42 2008 Many states have provisions which apply a penalty ..
Posted: Tue Apr 15 4:58:19 2008 I am under the impression that it is considered ..
Posted: Tue Apr 15 4:34:23 2008 Begin your search ..
Posted: Tue Apr 15 4:29:10 2008 CollectCorp skip tracing bottom feeder ... ..
Posted: Mon Apr 14 13:54:06 2008 It is not legal to do so. Dispute with the ..
Posted: Mon Apr 14 1:44:11 2008 According to what you quoted, the complaint is no ..
Posted: Thu Apr 10 22:22:59 2008 If you paid by check, you *might* be able to get ..
Posted: Thu Apr 10 22:07:11 2008 Yes; I have two from HSBC, as well as a Best Buy ..
Posted: Sun Apr 6 23:05:24 2008 Sure, it's better to pay if you can afford to do ..
Posted: Sun Apr 6 1:57:31 2008 Got it, for ..
Posted: Sat Apr 5 13:25:07 2008 Yes, they can ask. You choose to provide or ..
Posted: Sat Apr 5 13:20:09 2008 No, it's several months old. does satire in ..
Posted: Thu Apr 3 11:27:38 2008 The time to appeal a judgment is limited by the ..
Posted: Thu Apr 3 11:18:02 2008 Keepin mah fingers xrossed for ..
Posted: Tue Apr 1 2:21:13 2008 *Unless, you never opened the account (i.e., ID ..
Posted: Tue Apr 1 2:05:57 2008 I am certain that you'll be held liable for at ..
Posted: Mon Mar 31 23:02:14 2008 I have an even happier ..
Posted: Thu Mar 27 21:33:29 2008 There is another collection agency that goes by ..
Posted: Thu Mar 27 13:48:41 2008 Charge ..
Posted: Wed Mar 26 14:50:46 2008 OMG this was ..
Posted: Wed Mar 26 1:02:09 2008 Original Creditor Accepting $ ..
Posted: Wed Mar 26 0:58:39 2008 Then I hope you have job stability; Belford is ..
Posted: Tue Mar 25 12:46:56 2008 FICO is the only score to concern yourself with, ..
Posted: Tue Mar 25 12:36:29 2008 Debts do not go away because time passes, but the ..
Posted: Tue Mar 25 12:32:14 2008 This should not touch your credit report again ..
Posted: Mon Mar 24 12:52:27 2008 A payment does not affect the amount of time an ..
Posted: Fri Mar 21 2:28:24 2008 I think this is a misdemeanor in FL (penalty ~ ..
Posted: Fri Mar 21 2:09:32 2008 In the event of a payment being made, the SOL ..
Posted: Fri Mar 21 1:55:08 2008 Dispute as obsolete, it stays for seven years ..
Posted: Thu Mar 20 21:30:58 2008 Seven years + 180 ..
Posted: Thu Mar 20 16:38:36 2008 Time doesn't make debt go away, but you probably ..
Posted: Thu Mar 20 16:21:30 2008 Dispute with the credit bureaus, and send a ..
Posted: Thu Mar 20 16:09:03 2008 You can try to dispute the entry with the credit ..
Posted: Thu Mar 20 16:07:29 2008 Yes ..
Posted: Wed Mar 19 13:36:02 2008 Don't know how much longer to go until you ..
Posted: Tue Mar 18 11:17:23 2008 Pay down $600 worth of ..
Posted: Mon Mar 17 22:00:10 2008 I googled this... If the creditor filed a ..
Posted: Mon Mar 17 21:51:54 2008 If it does, I believe they are required to notify ..
Posted: Mon Mar 17 11:08:00 2008 Have you applied for a new job recently In ..
Posted: Sun Mar 16 11:03:34 2008 no biggie ..
Posted: Sun Mar 16 10:29:38 2008 If the debt is large enough (and in accordance ..
Posted: Sun Mar 16 10:22:56 2008 megatrendsZ = ..
Posted: Sun Mar 16 9:56:38 2008 I'm not sure these are used anymore, except as ..
Posted: Sun Mar 16 9:47:21 2008 How would she feel if you earned a higher ..
Posted: Sun Mar 16 9:39:25 2008 I'm 30, and probably won't be done until I'm 36. ..
Posted: Sun Mar 16 9:38:11 2008 should I send validation before answering summons? ..
Posted: Sun Mar 16 9:31:25 2008 a work in ..
Posted: Sat Mar 15 20:49:17 2008 Send it to them. If the creditor continues to ..
Posted: Sat Mar 15 20:45:27 2008 You missed a payment. They probably want to ..
Posted: Sat Mar 15 3:22:37 2008 The SOL you are thinking of refers to the ..
Posted: Thu Mar 13 12:49:39 2008 The party platform is practically a constant. ..
Posted: Thu Mar 13 4:29:08 2008 DF2000, I am sorry that I don't have any useful ..
Posted: Thu Mar 13 4:24:43 2008 They could also register and exchange info using ..
Posted: Thu Mar 13 4:12:36 2008 SF, OP is not requesting an exemption, the ..
Posted: Thu Mar 13 1:28:55 2008 Do you have an agreement in writing that spells ..
Posted: Wed Mar 12 22:53:25 2008 Date of last ..
Posted: Wed Mar 12 22:07:49 2008 All three candidates are very ..
Posted: Wed Mar 12 17:38:08 2008 Corporations are not required to act in the ..
Posted: Tue Mar 11 10:38:20 2008 Have you considered ..
Posted: Tue Mar 11 7:06:39 2008 IMO, nothing that will actually affect your ..
Posted: Tue Mar 11 6:52:34 2008 When and where was the judgment obtained ..
Posted: Tue Mar 11 6:45:21 2008 Sorry, I do not know whether this is an open ..
Posted: Tue Mar 11 6:38:06 2008 Debtors jail was abolished years ago, and to levy ..
Posted: Tue Mar 11 6:22:01 2008 This entry can remain for seven years from ..
Posted: Fri Mar 7 16:12:51 2008 1) Yes. 2) ..
Posted: Fri Mar 7 7:16:44 2008 I think it can be renewed 3 times, giving the ..
Posted: Fri Mar 7 7:05:20 2008 I think the process would be to amend the tax ..
Posted: Fri Mar 7 6:55:56 2008 annualcreditreport.com = ..
Posted: Fri Mar 7 6:46:21 2008 Five years, with the ability to be renewed for ..
Posted: Fri Mar 7 6:44:42 2008 Send a letter with return reciept mail to these ..
Posted: Fri Mar 7 6:40:41 2008 We are shifting ..
Posted: Wed Mar 5 21:54:27 2008 Negative entries are permitted to remain for 7 ..
Posted: Tue Mar 4 23:13:03 2008 Maya and ..
Posted: Tue Mar 4 23:09:37 2008 If you happen to still have the email, perhaps ..
Posted: Tue Mar 4 23:03:34 2008 Sounds like you should consider ..
Posted: Tue Mar 4 22:59:47 2008 If a judgment for child support does not belong ..
Posted: Tue Mar 4 22:56:49 2008 The voluntary removal of entries on a credit ..
Posted: Tue Mar 4 3:45:58 2008 A CA can report without the OC's entry. These ..
Posted: Tue Mar 4 3:41:38 2008 To your last question...it's a little of both; ..
Posted: Tue Mar 4 3:39:55 2008 Pay it now, and it will still fall off in 2010... ..
Posted: Mon Mar 3 15:03:43 2008 got what was ..
Posted: Mon Mar 3 14:58:18 2008 They can say lots of things...this was merely one ..
Posted: Mon Mar 3 4:30:31 2008 If removed, it can pop back up again, ..
Posted: Mon Mar 3 4:29:35 2008 OP stated she() has several cards...only one ..
Posted: Mon Mar 3 4:18:02 2008 It's not a FICO, therefore, it is fake-o. ..
Posted: Sun Mar 2 1:06:05 2008 OMG THE SKY IS FALLING THE SKY IS FALLING ..
Posted: Sun Mar 2 0:56:20 2008 When your payment wasn't accepted, what did you ..
Posted: Sun Mar 2 0:51:10 2008 When dealing with a CA, a DV letter is usually ..
Posted: Fri Feb 29 17:25:56 2008 Statue of Limitations on Debt Collections ..
Posted: Thu Feb 28 16:26:03 2008 If HSBC will not work with you, then you will ..
Posted: Thu Feb 28 16:23:45 2008 naca.net might be a good place to start looking ..
Posted: Thu Feb 28 16:18:01 2008 Sure, the older the debt, the more likely the ..
Posted: Wed Feb 27 22:50:32 2008 The goal of a business is to make money, and ..
Posted: Wed Feb 27 22:44:10 2008 Demand that the creditor either update or remove ..
Posted: Wed Feb 27 22:35:51 2008 Sounds like you need to sue her...contact your ..
Posted: Wed Feb 27 22:31:40 2008 Looking for you (or more specifically, your ..
Posted: Wed Feb 27 1:44:54 2008 Just guessing, but I'm thinking it is a reference ..
Posted: Mon Feb 25 15:41:56 2008 It is called a Pay-for-delete ..
Posted: Mon Feb 25 1:06:23 2008 DC, is it true that many (most) extended ..
Posted: Sun Feb 24 4:39:49 2008 We're not a lender...we're a public ..
Posted: Sun Feb 24 4:36:03 2008 Contact your creditors and inform them of your ..
Posted: Sun Feb 24 4:27:40 2008 deleted post in settlement ..
Posted: Sat Feb 23 19:05:44 2008 If the bank is insistent upon holding you ..
Posted: Sat Feb 23 18:53:50 2008 Maybe they will, and maybe you will be able to ..
Posted: Sat Feb 23 18:52:23 2008 It is still money that you owed to a creditor; ..
Posted: Fri Feb 22 18:42:17 2008 Look up Florida's civil code of procedure to find ..
Posted: Fri Feb 22 0:52:56 2008 Call the CA. Ask for, and write down every ..
Posted: Fri Feb 22 0:27:41 2008 It is not unheard of for a car dealership to ..
Posted: Fri Feb 22 0:15:03 2008 If you go to jail, some jurisdictions may allow ..
Posted: Wed Feb 20 20:24:49 2008 Temporarily. When you successfully complete the ..
Posted: Wed Feb 20 5:16:28 2008 Yes, put it in writing and mail it return ..
Posted: Tue Feb 19 5:14:38 2008 Elsewhere, I have seen that arbitration ..
Posted: Tue Feb 19 3:42:58 2008 That, and the fact that Otto was a spammer ..
Posted: Tue Feb 19 3:41:10 2008 I do well on easy. Medium, not so well ..
Posted: Sat Feb 16 11:24:11 2008 Yes! ..
Posted: Fri Feb 15 18:22:15 2008 Yes it is...but if it results in an overpayment, ..
Posted: Fri Feb 15 3:38:08 2008 I think the CA is going to know that BK is not ..
Posted: Fri Feb 15 3:33:44 2008 Multiple inquiries in a short period of time (2 ..
Posted: Fri Feb 15 3:20:03 2008 What you owe the feds after tax credits are ..
Posted: Thu Feb 14 12:44:06 2008 steve, it's not much different than the 2001 ..
Posted: Wed Feb 13 22:51:35 2008 Get the card before you sign up, and do not ..
Posted: Wed Feb 13 22:50:17 2008 I agree. Judgments give the creditor the power ..
Posted: Wed Feb 13 22:39:35 2008 Because creditors are not required to report to ..
Posted: Wed Feb 13 22:34:25 2008 One way to look at it is, the recipient of an IRS ..
Posted: Wed Feb 13 22:28:04 2008 SOL means they should not be filing a lawsuit to ..
Posted: Wed Feb 13 11:32:27 2008 I remember when you were having trouble ..
Posted: Wed Feb 13 11:30:34 2008 Charge off = 180 days late...try contacting the ..
Posted: Wed Feb 13 10:23:06 2008 When were the last payments made to his ..
Posted: Wed Feb 13 10:11:50 2008 click "edit profile" --> ..
Posted: Wed Feb 13 7:56:04 2008 It seems as though he does personal injury ..
Posted: Wed Feb 13 7:53:12 2008 Request a copy of the credit agreement...I ..
Posted: Wed Feb 13 7:47:24 2008 If not Ch 7, then perhaps Ch ..
Posted: Wed Feb 13 5:39:11 2008 You will need to deal with the CA...the ..
Posted: Wed Feb 13 5:37:42 2008 Yes, this will build your credit file and add ..
Posted: Wed Feb 13 5:34:35 2008 Just wondering here...if the court docs asking ..
Posted: Wed Feb 13 5:25:14 2008 I do not believe your score will rise ..
Posted: Wed Feb 13 5:17:10 2008 Seriously Aren't you the same person who ..
Posted: Mon Feb 11 12:42:45 2008 Not if you joined in the ..
Posted: Mon Feb 11 12:39:18 2008 Yes. ..
Posted: Mon Feb 11 1:58:29 2008 how do i remove bankruptcy ..
Posted: Mon Feb 11 1:52:37 2008 Google "myfico coupon codes" ...the ..
Posted: Sat Feb 9 20:08:23 2008 That is a charge off...it means that your debt ..
Posted: Sat Feb 9 20:00:19 2008 Wicked: horrible SOL: Statute of Limitations, ..
Posted: Wed Feb 6 5:39:28 2008 Inc., Waterloo, Iowa. Linebarger Goggan Blair ..
Posted: Thu Jan 31 4:55:19 2008 Then it isn't a settlement, and you'll ..
Posted: Thu Jan 31 4:52:33 2008 You mailed a DV letter on Monday, and they filed ..
Posted: Thu Jan 31 4:41:50 2008 IIRC, you can go through bankrate.com for not ..
Posted: Thu Jan 31 4:38:53 2008 I think they are formulating your agreement into ..
Posted: Wed Jan 30 4:55:33 2008 Instead of continuing with litigation, the ..
Posted: Mon Jan 28 20:26:15 2008 Various court related fines, too (traffic, ..
Posted: Mon Jan 28 7:36:50 2008 Get the agreement in writing, and get a PIF ..
Posted: Mon Jan 21 20:16:31 2008 If you go PFD, get the agreement in writing prior ..
Posted: Mon Jan 21 20:14:06 2008 Not legal. It can only stay for the seven years ..
Posted: Mon Jan 21 20:12:37 2008 You could also attempt to explain your situation, ..
Posted: Mon Jan 21 0:14:04 2008 Yes, if it wasn't ..
Posted: Mon Jan 21 0:01:27 2008 If choosing a paralegal, make sure their school ..
Posted: Sun Jan 20 23:58:38 2008 I <3 my hotmail account. It ID's a lot (but ..
Posted: Sun Jan 20 23:56:58 2008 Have you tried Griffball yet I've been itchin to ..
Posted: Sun Jan 20 15:24:50 2008 RFW, non prototype, ..
Posted: Sat Jan 19 20:41:38 2008 Online Tax Software/Websites ..
Posted: Sat Jan 19 20:25:17 2008 I am under the impression that, in the case of a ..
Posted: Sat Jan 19 20:12:44 2008 Default ..
Posted: Sat Jan 19 20:10:59 2008 I recall hearing that it was like Sci-Fi meets ..
Posted: Sat Jan 19 20:09:08 2008 Ya I know...not on forums much anymore, and when ..
Posted: Fri Jan 18 19:29:32 2008 Based on the facts at hand, no error has been ..
Posted: Fri Jan 18 19:13:52 2008 Congrats! ..
Posted: Fri Jan 18 19:11:33 2008 It costs money to sue...collections is about ..
Posted: Fri Jan 18 19:07:55 2008 Legal. They can pull your credit report, if they ..
Posted: Sat Dec 15 20:00:18 2007 Looks like it to ..
Posted: Sat Dec 15 12:25:32 2007 If I had that kind of money to burn, I would ..
Posted: Sat Dec 15 12:22:11 2007 A joint account will help your score, but AU does ..
Posted: Sat Dec 15 12:17:11 2007 If your state law permits ..
Posted: Sat Dec 15 12:16:50 2007 You know you have my ..
Posted: Wed Nov 28 1:24:47 2007 I hardly do any shopping this time of year, and I ..
Posted: Mon Nov 26 3:21:56 2007 The problem is not that debts are negotiable ..
Posted: Sun Nov 18 3:20:29 2007 That's very kind ..
Posted: Fri Nov 16 3:30:31 2007 Two things: Sweet! Now I know where to find more ..
Posted: Wed Nov 14 23:37:06 2007 And I got one (see ..
Posted: Wed Nov 14 23:33:46 2007 Got my ..
Posted: Sat Oct 27 17:20:07 2007 I have heard that in some states, retailers ..
Posted: Sat Oct 27 17:00:23 2007 All collectors doing their job will press for the ..
Posted: Thu Oct 25 11:22:33 2007 I would only expect it to work if state debt ..
Posted: Thu Oct 25 11:09:08 2007 I would hazard a guess that it's intimately ..
Posted: Tue Oct 23 0:09:45 2007 Many contracts to small businesses include some ..
Posted: Tue Oct 23 0:06:02 2007 Might be a stretch, but I wonder--could it also ..
Posted: Tue Oct 23 0:03:37 2007 FDCPA = Fair Debt Collection Practices ..
Posted: Mon Oct 22 23:50:39 2007 Guest, your mother would be completely within her ..
Posted: Sun Oct 21 20:15:29 2007 Judgments can expire, although the owner may seek ..
Posted: Tue Oct 16 21:17:11 2007 Well, that's less than my monthly smoking ..
Posted: Tue Oct 16 21:14:31 2007 I think the account status was changed from a ..
Posted: Tue Oct 16 21:04:36 2007 Not really. They are targeting such ..
Posted: Tue Oct 16 20:54:12 2007 You can send a letter restricting communication ..
Posted: Tue Oct 16 20:43:15 2007 I have heard of consumer reporting agencies that ..
Posted: Thu Oct 11 23:00:24 2007 The only collection agency that I like. ..
Posted: Thu Oct 11 19:50:43 2007 If not registered, you might be able to file ..
Posted: Thu Oct 11 19:39:30 2007 One of my friends has two hospital accounts ..
Posted: Wed Oct 10 16:10:43 2007 No, it should not hit your credit report. ..
Posted: Tue Oct 9 5:52:53 2007 If the credit report was the reason you were not ..
Posted: Tue Oct 9 5:35:54 2007 Also, if you are dealing with the original ..
Posted: Mon Oct 8 2:30:23 2007 Have you looked at ..
Posted: Tue Oct 2 22:15:32 2007 A spam post will revive a dead thread, even if ..
Posted: Tue Oct 2 22:10:11 2007 What is relevant is whether the case was ..
Posted: Tue Oct 2 15:19:07 2007 But as long as they wear basketball shorts over ..
Posted: Thu Sep 20 19:51:18 2007 Report Spam Here ..
Posted: Thu Sep 20 19:49:54 2007 When collecting for a certain jurisdiction, a ..
Posted: Thu Sep 20 17:04:51 2007 Uhhhh, no. They didn't take your money and ..
Posted: Thu Sep 20 17:02:08 2007 What if you ..
Posted: Wed Sep 19 17:23:29 2007 I was pleasantly surprised when my comm. college ..
Posted: Wed Sep 19 5:43:57 2007 Indeed, ..
Posted: Wed Sep 19 5:36:04 2007 does not cover original ..
Posted: Wed Sep 19 5:15:25 2007 According to the movie Maxed Out, Wells Fargo ..
Posted: Wed Sep 19 4:55:21 2007 10 years...Amex Black Edit: 15 years...you've ..
Posted: Wed Sep 19 4:44:05 2007 I thought the funniest part was when he requested ..
Posted: Wed Sep 19 4:40:07 2007 LOL...same thing, even 2 ..
Posted: Wed Sep 19 4:37:19 2007 I would imagine it is good for the entire day of ..
Posted: Tue Sep 18 1:44:03 2007 And I missed the whole ID theft thing entirely... ..
Posted: Tue Sep 18 1:41:57 2007 No. I feel weird doing homework, at 30 ..
Posted: Mon Sep 17 14:12:55 2007 Look up your state's rules of civil procedure. ..
Posted: Mon Sep 17 14:11:44 2007 I'd talk to them once, find out exactly what they ..
Posted: Mon Sep 17 13:11:06 2007 Dispute the entry. If it comes back as verified, ..
Posted: Mon Sep 17 12:34:54 2007 Crazy Like a fox, maybe. ..
Posted: Mon Sep 17 10:05:24 2007 Scam... ..
Posted: Mon Sep 17 0:55:03 2007 I am pretty sure the money she left you would be ..
Posted: Sun Sep 16 18:19:10 2007 I don't know what you're trying to ..
Posted: Sun Sep 16 18:02:17 2007 Guest, we're both right and wrong. 15 USC ..
Posted: Sun Sep 16 0:56:50 2007 ^ ^ ^ This person has the right ..
Posted: Sun Sep 16 0:52:48 2007 Wages can be garnished in IL. I think the rate ..
Posted: Sun Sep 16 0:49:04 2007 Check with your court clerk or look up rules of ..
Posted: Sat Sep 15 19:40:16 2007 (sarcastic) ..
Posted: Sat Sep 15 18:54:23 2007 My new obsession ..
Posted: Sat Sep 15 5:28:00 2007 You cannot add a debt that occurred after the ..
Posted: Fri Sep 14 19:23:04 2007 1- Maine...but check the requirements that ..
Posted: Fri Sep 14 19:08:41 2007 I'm guessing you have been looking for a payday ..
Posted: Fri Sep 14 1:02:45 2007 After. When settling, the debt is not forgiven ..
Posted: Fri Sep 14 0:54:17 2007 One day, I think I'll change the ..
Posted: Fri Sep 14 0:46:57 2007 a) get the agreement from them in writing. b) ..
Posted: Thu Sep 13 16:58:10 2007 A satisfied judgement will stay on your credit ..
Posted: Thu Sep 13 1:10:21 2007 FYI is mostly correct-the garnishment is merely ..
Posted: Tue Sep 11 21:25:10 2007 I've found that if I take a lot (2000+ mg) of ..
Posted: Tue Sep 11 21:22:16 2007 NYC has its own laws governing debt collection, ..
Posted: Tue Sep 11 21:21:06 2007 Cut the stress down a notch...in addition to ..
Posted: Tue Sep 11 21:06:48 2007 There is a difference between a check clearing, ..
Posted: Tue Sep 11 20:53:20 2007 Among other things, they collect on student ..
Posted: Tue Sep 11 20:50:26 2007 A default judgment occurs when you do not answer ..
Posted: Tue Sep 11 5:33:43 2007 The only advice I can offer you is to 1) Stay ..
Posted: Sun Sep 9 19:12:25 2007 Forgiven debt is other income, and you are taxed ..
Posted: Sat Sep 8 8:08:06 2007 Your local community college might be a good ..
Posted: Sat Sep 8 7:46:10 2007 The abuses continue because people do not ..
Posted: Fri Sep 7 18:33:28 2007 It depends on your state. Most states allow for ..
Posted: Fri Sep 7 2:28:08 2007 No, it will not affect your credit. After nine ..
Posted: Fri Sep 7 2:23:32 2007 Yes, and in some cases, the SOL for litigation is ..
Posted: Thu Sep 6 16:49:40 2007 Do you still have the ..
Posted: Thu Sep 6 16:45:28 2007 SOL for a lawsuit is different from the amount of ..
Posted: Wed Sep 5 23:12:32 2007 You can try writing them a letter, or you can try ..
Posted: Wed Sep 5 17:07:28 2007 You can also try to dispute accurate but negative ..
Posted: Wed Sep 5 8:42:07 2007 In simple terms, a charge off is a debt that has ..
Posted: Wed Sep 5 8:19:08 2007 Spousal contact is ..
Posted: Wed Sep 5 7:28:00 2007 I forgot to address ladybug's concern... More ..
Posted: Wed Sep 5 7:16:43 2007 Federal taxes may be offset to pay: Past-due ..
Posted: Wed Sep 5 6:51:32 2007 Over $600 will be taxed as though you earned ..
Posted: Wed Sep 5 4:27:56 2007 When was the suit filed That will matter, not ..
Posted: Wed Sep 5 3:56:49 2007 Some states have laws on the books that ..
Posted: Wed Sep 5 3:52:31 2007 Trying (unsuccessfully) to look up something, I ..
Posted: Wed Sep 5 3:24:42 2007 Bumping this because I do not know for certain if ..
Posted: Wed Sep 5 3:16:34 2007 4 collection calls regarding the same debt in one ..
Posted: Wed Sep 5 3:12:43 2007 Ughh...my former company contemplated having ..
Posted: Wed Sep 5 3:10:59 2007 Make sure you get any and all agreements in ..
Posted: Wed Sep 5 3:02:54 2007 While there are sure to be things we cannot ..
Posted: Wed Sep 5 2:59:40 2007 Larger civil suits are held in superior ..
Posted: Wed Sep 5 2:42:25 2007 Not that this would provide a rapid fix, but ..
Posted: Wed Sep 5 2:40:27 2007 Took your tax refund Take care of your ..
Posted: Wed Sep 5 2:36:21 2007 Am I not mistaken that this would be an ..
Posted: Wed Sep 5 2:33:43 2007 I know that in the past, one could hire a ..
Posted: Wed Sep 5 2:22:03 2007 Yeah, no kidding. I'm 29, and my first day of ..
Posted: Tue Sep 4 6:40:04 2007 Who did you pay it off to in the first ..
Posted: Mon Sep 3 0:17:15 2007 While a collector with a judgment may be able to ..
Posted: Sun Sep 2 23:52:03 2007 If you are nearing the litigation phase of debt ..
Posted: Sun Sep 2 23:47:49 2007 Yes. Not being contacted for a debt does not ..
Posted: Sun Sep 2 16:49:40 2007 I've got to agree with that. I know a person who ..
Posted: Sat Sep 1 21:22:31 2007 I depends upon the laws of your state. Some ..
Posted: Sat Sep 1 21:10:49 2007 I am pretty sure you are screwed. By not ..
Posted: Fri Aug 31 3:55:40 2007 Collections is nothing but a numbers ..
Posted: Fri Aug 31 3:45:13 2007 The excerpt regards legislation in the state of ..
Posted: Thu Aug 30 19:19:06 2007 I knew he sold his soul for a ..
Posted: Wed Aug 29 23:04:49 2007 D, if that is the best thing to happen to you in ..
Posted: Wed Aug 29 14:16:50 2007 You could also hire an atty to amend the ..
Posted: Tue Aug 28 22:41:25 2007 ..
Posted: Tue Aug 28 22:40:38 2007 Does the phrase in the credit card agreement, ..
Posted: Tue Aug 28 16:09:02 2007 The woman took her reciept in, got a refund, then ..
Posted: Mon Aug 27 22:11:13 2007 Hi! ..
Posted: Mon Aug 27 20:22:21 2007 No. You can sign a contract at age 18. The age ..
Posted: Mon Aug 27 19:27:29 2007 In my former office, PIFs would not be mailed ..
Posted: Mon Aug 27 19:17:48 2007 I'm interpreting that a little ..
Posted: Mon Aug 27 17:15:20 2007 10 years. ..
Posted: Mon Aug 27 17:13:22 2007 Balance due and highest balance ever held are two ..
Posted: Sun Aug 26 22:05:56 2007 The entries are negotiable...a slightly higher ..
Posted: Sun Aug 26 1:30:54 2007 If more than $600 is waived/forgiven/whatever, ..
Posted: Fri Aug 24 15:49:51 2007 Yes. You can be fired if the employer thinks ..
Posted: Thu Aug 23 21:14:08 2007 I believe 3rd parties, such as Westlaw and Lexis ..
Posted: Thu Aug 23 21:11:44 2007 You know, I think the PDL biz would be a great ..
Posted: Thu Aug 23 20:44:58 2007 pattijo, post more details of your sitch in the ..
Posted: Wed Aug 22 20:35:16 2007 Different kinds of entries have different ..
Posted: Wed Aug 22 17:31:44 2007 I would verify that overpayments will be credited ..
Posted: Mon Aug 20 18:23:10 2007 While I don't remember if the site addresses this ..
Posted: Mon Aug 20 18:20:34 2007 Stay away from them... You can also have the ..
Posted: Mon Aug 20 18:09:28 2007 I think California law has a loophole...if you ..
Posted: Mon Aug 20 18:06:39 2007 They are NOT required to report payment history. ..
Posted: Sun Aug 19 18:06:36 2007 If you did not purchase your car with credit, ..
Posted: Sun Aug 19 11:20:01 2007 It is a different process. Creditors fill ..
Posted: Sun Aug 19 11:09:21 2007 Out of line No...exercising your legal ..
Posted: Sun Aug 19 11:06:13 2007 got served june 21 ..
Posted: Sun Aug 19 10:43:20 2007 Dee Dee, if you register someone may send you a ..
Posted: Sun Aug 19 1:42:49 2007 File a police report. If these aren't your ..
Posted: Sun Aug 19 1:39:07 2007 When I get around to seeing a doctor, I'll make ..
Posted: Sat Aug 18 14:59:06 2007 Maybe he took out a loan, and couldn't pay it ..
Posted: Sat Aug 18 3:06:31 2007 I am pretty certain you have no cause of action ..
Posted: Sat Aug 18 0:35:31 2007 Too bad there's no refund for wasted ..
Posted: Fri Aug 17 14:28:04 2007 In regards to debts that are not yours, send a ..
Posted: Fri Aug 17 14:19:22 2007 The negative info on your credit report will stay ..
Posted: Fri Aug 17 14:14:45 2007 Cheryl, good luck getting that account closed. ..
Posted: Fri Aug 17 9:29:46 2007 Maybe you should take your business ..
Posted: Fri Aug 17 6:42:42 2007 Seems to be National Asset Recovery ..
Posted: Fri Aug 17 6:31:52 2007 Send a letter demanding that they not contact you ..
Posted: Fri Aug 17 3:16:14 2007 Thanks for the support everyone. So far, I've ..
Posted: Thu Aug 16 6:58:07 2007 I haven't been able to really sleep in two days, ..
Posted: Wed Aug 15 23:25:48 2007 An example would be when an little known, emmy ..
Posted: Wed Aug 15 22:54:39 2007 Too funny! ..
Posted: Wed Aug 15 22:50:53 2007 Opinion follows... Much of the cable news ..
Posted: Wed Aug 15 22:41:11 2007 Ladybug, click the "You have no new ..
Posted: Tue Aug 14 23:12:13 2007 I am sorry for your ..
Posted: Tue Aug 14 22:13:53 2007 I'm