bcrxcel

I had a charged off Hsbc card for less then 600 bucks, i call HSBC and they informed me the account cherged off and my credit reflects a 0 balance, now i got a letter from portfolio in regards to this and i called them and offerd 50 bucks to settle, haha.... they pretty much laughed at me.... what should i do next send out a DV?

make sure you get the rate lock in writing.... its only going to cover your back in the long run... if you are dealing with a broker your have the right to know how much the broker is making on your streamline and this sometimes affects your rate, With new regulations you should have received paper work in how much the lender is paying the broker for your loan, like i said this is tied to your rate and be careful make sure you are locked and get it in writing for sure! GFE looks pretty good, you should also ask how much of your old MIP you are going to get refunded to you after the closing, the broker you are dealing with should know this as soon as he ran your FHA case number.

Hello, So back in 07 I changed carriers from verizon Wireless to ATT, at the time verizon sent me a bill for over 2K, they said I was "roaming" while making all these calls... now nothing on my phone showed me as roaming when i was making the calls, so i quickly ported my number to att to avoid these charges as i thought they were outlandish and verizon has TERRIBLE customer service, no one would help me work out a plan or anything! so now I am cleaning up some old debt that came from me being unemployed and as i knocked out all my CC collections there is still this stupid verizon bill, which is now being handeled by Oxford Managament, they have sent nothing to me in the mail about my account but they did call me in regards to it, i offered them to settle for 30% and he said no verizon wont go for this, but I know they will as i received other letter from another CA about settling for 700, so now im stuck and i dont know how to proceed, should i contact verizon and work with them? any help would be appreciated thanks!!! and i know not to talk to them on the phone to get everything in writing, i would never agree to anything unless they send me letters in the mail about payments...

Last year around janurary-feburary of 2009 I called into the Direct Loans Servicing center, explained the financial hardship I was confronted with and put a forbearance on my student loans for 6 months, while the forbearance was supposed to be in place I was given 2x60 and 1x90 day....after my forbearance was up I was able to obtain a in school deferment and that’s when I noticed the lates on my CR this Sept 09.... Now I am focusing on cleaning up all my credit I was wondering how I should proceed with Direct Loans. Should I send them any letter? Should I dispute the lates? What should I do?

Hello All! great to find a place like this, i was using another forum and my head was spinning and i didnt know WTF to do anymore and i needed to find a good place for info... so heres my song and dance and what I feel is my best option and please i appreciate ALL critisim that is helpful to me! I was a mortgage broker since 2002 (please keep negative comments to your self, you dont know if i was one of the bad guys or not) iu am currentlu on unemployment..... around jan 2008 i started to get into trouble, and it all sprialed out of control at that point i was able to close one HSBC card at the time which was nice but i took no further action on any accounts and i reached my breaking point of frustration, i dont owe much only close to 5k, but 5 k can feel like 100k when you have collectors and attorneys breathing down your neck! I worked out a settlement with a geico card i had and i recived a settle ment letter that states Geico will consider this debt settled and no further action will be taken, this was about 1 month ago... Current accounts i have now are Barclays (1400.00) with northstar, Credit one (1026.00) with allstate financial , HSBC (1200.00) with Fazlone and assc., Crap1 1300.00 with Malen and assc., and a HSBC (560.00) card that was charged off and sold to portfolio which is not reporting on my credit. i got fed up and I hesitantly asked my uncle to borrow enough money to pay off all my debts, he gave me the money with out hesiattion which was SUCH a releif!! so, last friday 10/30 i received a "complaint" from my local court about my Crap1 accouunt with Malen and assc., i called Malen w/o answering the complaint (wich is a valid complaint) and agreed to a settlement amount for 1100 and I am OK with this amount, Next week i will be going into their office to pay off settled amount and they will be giving me a stipulation of discontinuance with prejudice letter, a copy for me and they said they will be sending in their copy to the courts to stop the complaint.... now should i answer the complaing before i settle the debt? or should i settle the debt and bring that letter to the court myself??? as for the other account I currently am awating settlement letters from all of them that state the debt will be considers settled and no further action will be taken against me once paid, am I doing this right? As for allstate financial, they got me, they scared me when i didnt know wtf to do, i agreed to a settlement then i called back up to cancel it but they said they couldnt, so when the check hit my bank account i went into the bank and they canceld the check for no charge, after this allstate tried to post two more checks to my account w/o me autrhorizing, so i had to close out my bank account and open a new one..... after all that they call me up and state they are going to serve me blah blah blah they have insufficent funds chekcs agasint me But they will stop all proceedings if i settle with them, they are scum and they were practically begging me to settle, but the funny thing is the funds were available its just the way the bank canceled them for me it looks like that, how should i proceed with these guys? should i just pay the OC? or should i wait until it goes to a new CA? sorry for the long story, but my head is spinning i can see the light thought i just dont know if i am doing it right! please help thanks!!!