esp1222

Please search my posts and read the one about getting a collection agency shut down. I supposedly took out a loan with "Ace Cash Express" in 2008. They ad the last four of my social, a previous address, a previous last name and where I had a previous checking account. They called where I work and told my boss I had committed check fraud. I know better than to believe scare tactics, but we had buried my step-father the week before and when you work in a small office and your boss hands you a piece of paper with a number telling you that you have committed check fraud, it can freak you out just a little. These people said they were lawyers. I can't believe I gave them any info. I had been married since 2006 and the only payday loan I ever took out was in 2004, and had been paid back. It also wasn't with Ace Cash Express. I also took t out online and these people eventually tried to tell me they had video footage of me walking in and taking out the loan. Long story short, it was a collection agency. My attorney general's office told me not to give them a dime. I be me relentless in figuring out who they were, called them daily and harassed them for a while and a year later, got a letter from the state of Florida that they had been fined and shut down. I have had at least four other companies call and say I owe different amounts to Ace Cash Express. Some say they are collection agencies, some threaten to take me to jail, and some say they are process servers. It's ridiculous!

I don't have the letter in front of me, but they got shut down earlier this year. If you read my posts....the call that came and actually got money from me was over a year ago. The next call came a month later. Then, I got the letter from the state of Florida about two months ago and the other two calls came in April of this year. Each call had the same company that I supposedly owed, and the same date, but a different amount. Two companies claimed to be collection agencies, the other two were coming to arrest me!

Unfortunately, It probably is! Wow!....sorry for the delay, I just saw this. I now have a 17 year old and a two year old...my brain is mush!

You can do a refi in your husbands name only since your scores are not eligible (most banks have overlays and evern though fha says it can do it I have not seen or heard of any banks working with scores in the 500's). If he goes fha he can get up to 85% if the homes value in a cash out loan. Your income cannot be used only people on the loan. For self employed they will look at the average of the net income off of the last two years taxes. I am sorry you have been through the ringer it sounds like it has been a tough go. I hope this helps B Thanks so much for the quick reply! We are possibly going to do an in house bank loan for a short time until I can get my scores back up, I am just trying to look at all options! Do you think buying a car now is a bad idea? We have two cars paid off (mine and my 17 year old's), and we still pay on my husband's truck. I LOVE not having a payment, but my 2002 Explorer is about to bite the dust!!! What do you think of the remodel? I didn't know how else to attach it!

https://www.facebook.com/erikacato/photos#!/photo.php?fbid=10151493904706119&set=a.10150313049516119.400110.502601118&type=3&theater I just wanted to brag on the house....my husband has done an amazing job!

Okay, this may be a little bit long but bear with me. My DH and I bought a house from his uncle a little over a year ago. The house was 1193 sq ft. and built in around the early 80s. We also bought 1.56 acres with the house. My husband is a remodeling contractor, so he is self employed. I am a dental hygienist and have worked at the same job for 13 years. Most of his family live in the same area as his grandmother owns over 30 acres here and has given out around 10 to her children. The house we bought has been in the family for some time and his uncle had purchased it from a great uncle as a rental. We bought the house intending to remodel/add on and then apply for and get a mortgage. We paid 80,000 for the house and borrowed 145,000 with an in house construction loan. The last appraisal we had done was supposed to be an appraisal based on the additions/remodeled kitchen, bathroom, etc. It was 172,000. This is actually low and we have added some square footage since. We think the house will appraise for over 200,000. My MIL works for the bank where we have the loan and she co-signed with my DH. I was left of of it (my choice). We plan to eventually sell the house after living here for a few years as we should have quite a bit of equity in it. Here are my questions. When this process started, both of us needed some work on our credit scores. I had previously gotten mine cleaned up quite a bit, but ended up on bed rest during a pregnancy at age 37 and let it go back down. We have had a myriad of things happen over the last two years....including me having cancer during my pregnancy, my step-father dying right after we bought the house, my husband was in a boating accident in which his best friend died from complications of, my husband's aunt died, our son was sick in December with Kawasaki disease, my father is currently battling cancer, and someone broke into our home while we were home around three months ago. We live in a very safe town....my point is, if it can happen, it has happened to us! I have gotten DH's scores up above 650 on all three bureaus, BUT he had no revolving credit and I'm afraid I have opened too many new accounts although most are zero balances. Also, he has a judgement showing up on two of his reports from a car wreck he had in 2004 right after another really bad car wreck in which he was in a coma and almost died. (this was before I knew him), he had a small fender bender in his parents car and told the people he hit that he had no insurance although his parents did have insurance on the vehicle. State Farm unknowingly sued him (they served him in the newspaper and got a default judgement). Mine are much lower, but I am working on them. Obviously, we will have lots of equity in the house, it has gone from 1193 sq ft. to almost 2500 plus a garage. So, here are my concerns. My husband is self-employed, isn't it true that that will make it harder to acquire a mortgage due to our taxes looking like we make less than we do? Also, my scores are in the mid 500s at the moment. Obviously we will be trying to get an FHA loan...will my scores matter and will the new accounts on his reports matter? Is it possible to just put the mortgage in his name and use my income? We live in Arkansas. Will the equity serve as a down payment or will we have to come up with 20% anyway? My last question is this. I desperately need a new vehicle. Mine is paid for and I have said I would drive it until it just stops one day, but it has gotten pretty bad and I would like to get a little money out of it. I believe my DH scores are high enough for us to purchase a new vehicle. Would it be stupid to buy one right before getting a mortgage? Thanks in advance for any and all help and advice!!!!

What are the numbers? Did they actually get money from you? If so, can you look on your bank statement and find out who got it? It took me a while, but I figured these people out. If you will post every number, every name, every name or partial name that may have shown up on your bank statement, I will try to help you....PM me if you want. It drives me mad that they can threaten and scare people like your wife's grandmother and scare them to death. The people who got my money were actually licensed as "Atlas Mediation"...owner~Kashondra Brock/Jackson, previous owner of Oasis who had also been shut down. I wouldn't doubt if these are the same people. I would LOVE to try to help you......

Please do not worry about these people. A year ago, an "attorney" called me at work and proceeded to tell my boss that I would be arrested for fraudulent checks if I didn't return the call. I know better than to believe scare tactics, but my step-father had died the week before and I just wasn't thinking clearly. They had a fake website, he threw around lots of legal jargon and because I was at work and my state of mind wasn't completely right, I let them scare some money out of me. I knew I didn't owe them anything, but the thought of being arrested at work threw me for a loop and he even said he ran a background check on me and knew I had never been in trouble. They said it was for a debt from Ace Cash Express. He said he was trying to help me and that I owed them $2300. I told him I only had $1900. He told me he needed a credit card number but I told him I had a debit card number. He said I would have to call my bank. Somewhere in the middle of this, I started coming to my senses, but I had already given them my debit card number. I DID have one payday loan in 2004, but it was for $300, it was paid and the bank account had been closed since 2004. If I had been thinking clearly, I would have realized that I had been married since 2006 and if he had run a background check, he would know my new last name, my current address and numerous other things. Also, I know you can't be arrested over a civil matter and that you cannot be arrested in Arkansas from Florida! The date they had was 2008 and every single thing they were doing was illegal. Someone had called about three months before and said they were a process server but they were calling first. I was thinking straight then and told them to come get me....PROCESS SERVERS DO NOT call before they serve you! Anyway, when I got off the phone with "Thomas Curren", I called the Attorney General's office instead of the bank. I also thought I had transferred the money back to my savings from my checking account, but I was in such an uproar that I didn't complete the transfer. The Arkansas Attorney General's office told me NOT to give them a DIME. They said it is a known scam and someone has sold information about people along with fake debt, but that even if it was legitimate that I didn't have to pay it because payday loan companies had been shut down in Arkansas and I wasn't responsible for the debt. The salamanders got $1000 from my account, which my bank refunded to me. I became consumed with finding these people. I searched the bar association in Florida and wasn't surprised to find that they weren't lawyers. I filed complaints with every office in Arkansas and Florida that I could think to file a complaint with, along with the FTC. I also called them back daily and told them that I would find them and they would be brought to justice...I thought they deserved some of their own medicine. I googled the numbers they called from which turned out to be magic jack numbers that they changed frequently, but found tons of information about them doing the same thing to many others. Because I fell for their tactics and I KNOW better, I couldn't stand the though of anyone else having their money stolen. I finally found out that they were, in fact a licensed Collection agency in Florida (but not in Arkansas-yet another illegal activity, even if you are legit). I found their real address and called an Allstate office in the suite next to them and the lady told me that they came to work every day in a van together and that there were about 12 of them.....and they were tattooed up! WHAT???? Anyway, I was relentless and about a month ago, I received a letter from the state of Florida that they had indeed been shut down and fined a large sum of money. GO ME! Unfortunately, a month later a man from a different collection agency called about THE EXACT SAME SUPPOSED debt! Same date, same company, but a different amount. I recorded the calls and told them that it would be in their best interest not to call me or my place of business again. They didn't threaten me. This month (a year later) my office has been called twice. Once by a collection agency, non-threatening, and once by the same old "I'm a process server and she has a two hour window to call before we are coming to get her"......Yes, it was again......over the same supposed debt Ace Cash Express. The second people actually told my office manager that I would be held in contempt of court if I didn't call back. I basically tell them now to come on and get me....but it is getting old. Just call them on it. They are banking on you not knowing the laws and your rights. They cannot speak to others about you, they cannot threaten you, they cannot say they are lawyers. If you make sure they know that you know....and you demand that they not call, they will more than likely leave you alone. You already have a basis to sue them for violations. Let them know that you will if they call again. Good Luck! There are lots of good people out there, unfortunately, lots of scum too!

Boy, she jetted pretty quick after ICANHASMUNY called her out. ICAN, you saved me a few years ago! I was a little skeptical of that poster the first post I saw! Wonder what her/his angle was?

That should have said you "can't" be arrested.

That should have said you "can't" be arrested.

I was thinking I should copy, I'm on my phone and I usually do that! There is so much more to the story! I think I thought I was a private investigator! Lol. I normally know not to fall for such nonsense! They were in a different state, NO ONE calls before they serve you with papers, you can be arrested for a civil matter and they can't arrest you in Arkansas from Fliorida! We had buried my stepdad a week before this happened and they called my workplace and told my boss it was over fraudulent checks and he gave me the message and looked at me like I was a criminal! I just didn't care if I owed it or not. The thought of being arrested scared me to death! The second all came a month later. I called them back and said bring it on. They didn't threaten me, but I recorded the calls and let them know that if that had bought this debt from someone, they may want to have it checked out because it was fake! They never bothered me again! Then on Monday of this week, we got another call at work and my co-workers were still looking at me like I'm a criminal, but when they called they said I had a two hour window before they were coming to get me and I would be in contempt of court if I didn't call them back! How ridiculous! I had to REALLY do a lot of digging before I found out who was responsible! I doubt anyone else did that! I'm SO thankful they are shut down!

I just wrote this ridiculously long post telling the whole story and then lost it, but let's just say that I was scammed out of $1000 by a collection agency and became obsessed with making sure it didn't happen to anyone else! I knew better but they got me-ALMOST. After they got the money, I called them daily and harassed them back and figured out who and where they were. I called the business in the Suite next to them and the lady told me that they all came to work in a van together all tattooed up daily and that they looked like a work release program. I filed complaints with any and every organization I could. The agency was licensed in Florida, but not in Arkansas (where I live). They were posing as lawyers and threatened arrest, more charges and many other things. The agency was owned by the former owner of Oasis Financial (who had already been shut down)- Kashonda Brock. I can't remember the exact name, but I think It was Allied something (I'll look when I get home). Anyway, I got my $1000 back but knew if I knew better they could easily get someone who didn't know. This happened a little over a year ago. I got a letter from the Office of Financial Regulation a week or so ago and they shut them down! They were also fined quite a bit of money. I'm sure there were more complaints than mine, and they were really good at covering their tracks, but I figured out who and where they were and found them! I'm so happy they can't do this to anyone else! I've had calls from two other places about this same fake debt! I just ignore them now!

Has anyone who got a call and talked to someone from Cap1 EO NOT gotten a CLI?

So, I sent an email for my husband's two accounts to be combined and a CLI. He received an email back the next day to call a man named Charles Mitchell. I forgot to include a phone number and resent the email, but I think he only got the first one. Then I sent another about my two Household accounts yesterday and got a phone call today to call a Diana back. I paid all of the accounts off before sending the emails, and none have ever been paid late, but one of my husbands accounts is now showing a zero balance, but also zero available credit (this card had a $500 limit). So, we are both going to call back. I just have a few questions. Has anyone tried this and gotten no for an answer? What were your scores when you requested this????