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  • Our picks

    • My son in college, playing baseball was injured and sent for an MRI. They used my insurance information. I never received a bill. I was expecting the school to cover the bill since the baseball coach and AD sent him for the MRI. Anyway, we recently pulled his credit file and its showing as a collection on his reports. I disputed as "not mine" but it came back as confirmed.
       
      How do I proceed????  contact the school 1st? Why Chat do I just follow your procedure?
      • 9 replies
    • Here's where I am.  My goal is to get my credit score to 650 for a mortgage and I currently have a 620 (after initial disputes).
       
      Opt Out Done Dispute Addresses Done Initial Dispute Done I did not dispute any medical accounts (i don't have the money to pay them offc  
      The initial dispute went fairly positive I would say 50% of all accounts that I have were deleted. I guess where I'm stuck is what do to next for thr accounts that were validated.  They where things like utilities and credit cards.  I'm far outside my initial 30 days and some accounts are within their SOL.
       
      Thanks!
      • 14 replies
    • I got a letter back in June of 2015 from Weltman, Weinberg & Reis out of Ohio  saying they were trying to collect a debt for Progressive insurance in the amount of $2700. This was related to a motor vehicle accident that I wasn't even involved in. Someone was using my license plate on a motorcycle that I sold him without my permission and he had no insurance or registration. It was a pretty standard debt collection notice but I hadn't yet started writing my own letters so I hired a local attorney to send them a request for validation. They never responded to his letter but they did try and collect a couple months later. The attorney called them and advised them they were way outside the 30 days and were in violation of the FDCPA. 4 years go by and I get a certified letter saying I'm being sued by the same debt collector except now they have tacked on another $3000 making it $5700. The original incident took place in October of 2013 so we are only a couple months away from the 6 year statue of limitations. If they are trying to scare me its working and I am more than pissed off that this is coming back around again. I am going to talk to a new attorney on Wednesday but this seems to me like a clear cut violation. Then I realized the debt collectors address is now Philadelphia and that is where I have been getting dozens of calls from over the last couple months, also violations of the FDCPA. I'm also considering contacting the FTC and the BBB but I wanted to talk to the lawyer first. I kept all the correspondence from 2015 also. Does anyone have any input or advice for me?
      • 31 replies
    • I wanted to file chapter 13 to get out from under credit card debt. I defaulted on all the accounts a couple years ago. I’m married and my husband and I have separate accounts. His bills are current and mine aren’t. The problem I’m having is they’re making me include his income for the means test but they won’t let me include his debts. So there’s no way I can afford what they say I have to pay. Is there anyway around this?
       
       
      Sent from my iPhone using Tapatalk
      • 12 replies
    • I filed for Chapter 13 back in 2002. It was discharged about two years ago. It has fallen off two credit reports and I'm sure you can guess the one that it has not. My question what paper work should I keep if any in relation to my BK? By the way after it fell off my scores are in the high 700's.
      • 5 replies
  • Posts

    • That cod piece sure takes a beating.   Trident Beer Battered Cod. BBC reminds me of Fish'n Chips.    
    • Update: Hatchet Man at Huntington Bank CLD another $13,350
    • So just an observation, Rose gold ends on 7/17, prime days are 7/15-16th. If there is a promotion for an amazon card that offers free prime, the day after primeday and the same day another big promotion ends, would be a pretty good day to launch.    Fwiw
    • I wanted more of a car than an SUV.  The 2020's should be out soon, as the dealer did give me a discount for that (it's a 2019).  Co-worker/friend is also thinking of a new Subaru with EyeSight, but is waiting for the 2020 models.
    • Banks lend based upon a number of variables, but the exposure STILL has to be covered by reserves.  With some of the economic indicators, it stands to reason that there is some retraction and it ALSO stands to reason that a line that is not seeing substantial use is going to be a prime candidate for decrease.  Further, it could ALSO be something as simple as new officers coming in and deciding that they don't want individual lines beyond a specific threshold...in this instance, the Board did recently bring in a former Treasury Official to serve as Risk Officer, the same capacity in which he had served Treasury.     Compounding issues is that the first quarter results saw increases in charge-offs and total under-performing assets.      If I have, by example, a $50K line that does not at least bump off of that amount at least once every few months, then I have no reasonable expectation that it will remain in place.  FULL use of a card still does not mean one is having to pay any amount of interest...   As a stockholder of some institutions that extend personal lines, I am quite glad to see lines that are not fully utilized get chopped so that lines may be extended to the customers that WILL maximize the spending up to the limit that has been put into place.  More spending means more profit which means the potential for increased dividends... 

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