Kismet

Without the debt, can you afford the house? Or will your mortgage company work with you? I filed in 2004. Six years later and I feel like I've learned my lessons that I didn't learn the first go-round. I have one credit card for work purposes, I stick to a budget, and I pay cash for everything. If I cant pay for it in cash, then I save for it. Otherwise, I don't need it. What's great is that I"m so much better off financially now. I have savings, retirement, money in the bank and, best of all, a clear conscience. I'm not borrowing from Peter to pay Paul. I'm not real proud of my BK but I feel like it was the kick in the behind to get me on the right track.

What an flowers. As if she hasn't been through enough already.

No, not at all. Just responding to let people know details I didn't mention. Oh, and I'm a she.

Thanks. No hours posted and they clearly saw me, but chose not to open up or let me know that it'd be just one minute. Literally.

I was at a gardening center on Sunday. They're going out of business and looked closed for the day. Call them today to find out their hours and they ask if I'm the one that was there at 9:59 yesterday and when I say yes, she says it's too bad I didn't stick around. They saw me but never open early. Way to lose business. And people wonder why businesses are failing. It's called customer service. Anway, I'm new here, been reading and learning and needed to blow off steam.

most home insurers are not covering mold damage to homes...look at your policy and double check. it can be a nasty problem.

You're compltely correct, Fallon. They will likely turn the utilities back on in their name (bank's) and then run the sump pump.

The company that inspects the house now (whether or not you've ever seen this I'm guarantee they're there) will note that the house needs what is called winterized. They will turn off all utilities and then drain all the lines, generally within two week of you moving out.

Can anyone offer any answers/advice to this? ^^ I'd start with the smaller debts and see what kind of settlement offers you get on them. For a debt that's around $300, try and settle for $200. PFD would be great, but don't hold your breath. At this point my advice (which probably isn't what most would say) is to just pay the stuff off, not worry about your credit. Once everything's PIF then you can worry about your credit. I've found that two to three years clean credit and you're a good risk for creditors. Create a snowball for yourself and stick to it. I'd also suggest a budget that you stick to like glue. That way you know exactly what you have and what type of spending cash you will or won't have for a month. If you're relatively young and healthy get yourself two jobs. You can work at the casino at night and 7-11 during the day. If you do that you'll have the $12,000 paid off in under a year. But it will take discipline...as will not using credit to that extent again.

Oh how I wish I had this on Saturday. When shopping with my husband who bought me my Christmas gifts including a Coach purse (looks like I'll fit right in) and some Clinique. We would've saved a good $100. Think I can return it all and then buy it all back again?

I didn't see this one in the list of cases, but I thought I'd throw it out there. It pretty much says that a consumer can define what is inconvenient to them. http://www.citizen.org/documents/danow_replybrief.pdf Section about limited c&ds (even though it's not saying limited c&d, just inconvenient): The FDCPA not only specifically prohibits harassing, oppressive or abusive telephone calls, 15 U.S.C. § 1692d(5), but also prohibits communication with the consumer where the debt collector knows or has reason to know that the communication will be inconvenient, 15 U.S.C. § 1692c(a)(1), and any communication once a consumer has notified the debt collector in writing that the consumer wishes the debt collector to cease communications, 15 U.S.C. § 1692c©. Thus, under the plain terms of the FDCPA, a consumer may successfully bring a claim concerning telephone calls by a debt collector even when the consumer has not previously notified the debt collector that such calls will be inconvenient or that the consumer simply prefers not to receive the calls. But where, as here, the debt collector is on written notice that the consumer does not want to be contacted and that he is, as Mr. Danow put it, “often a nervous wreck when the phone rings or if [he has] to talk to a creditor,†(RE 1, Exhibit C), and the complaint alleges that the debt collector made repeated calls after receiving such notice, there can be no doubt that the consumer presents cognizable claims. Simply put, under the FDCPA, “debt collectors must honor requests to cease communications . . . because the statute places on the debt collector the burden of not communicating with the consumer once the debt collector knows or has reason to know†that the call will be inconvenient for the consumer. Brzezinski v. Vital Recovery Services, Inc., 2006 WL 1982501 (E.D. Wis. 2006), at *5.

Normally do mostly lurking but that's really funny. At my house we're watching that video on YouTube right now because my daughter is auditioning for a part in a play that does some Hammertime moves.

Do you have a job or other source of income? That will come into play if they accept a settlement offer. If they think they can perhaps get more out of you they will try. An attorney acting as a debt collector should be considered no different than a debt collector, according to the FDCPA (I think it's the FDCPA). If you talk to them (which you're not supposed to do) about settling, make sure they know your financial situation is precarious and that you're in danger of losing your job and this is all you can do. I think you may have some luck getting this, but it won't be a walk in the park.

Aside from what everyone else is telling you, all great advice, I would recommend doing the following: 1) Apply for jobs 2) Do anything you can to make money. Surveys, focus groups, sell stuff, etc. Look through every room and find at least one thing that can be sold. 3) Let friends and family know, network through them 4) Look for temporary jobs that will help right now, lots of places hiring for Christmas help

If it's possible, please ignore my previous message about your score. I see it now.