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Foreclosures/Loan Modifications

You're trying to get a modification, or you're being foreclosed?
While every lender, foreclosure and modification situation is different, this is a place to discuss and share your experiences.

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  1. This is disturbing

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  2. Timeshare CO help

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  3. How Loan Mod reports?

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  4. short sale maybe

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  5. mortgage problem

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    • Greetings, Thank you kindly for any and every response before + after the fact.
       
      Regarding a one year apartment lease. it's been just over one year since moving, first collection company contacted me in May, and again June - weird, it's like the complex sent it twice. It shows twice as the same amount, a $1998 charge-off. I would love to sue the apartment complex or some way hold them accountable - serious wrong doing and lies.
       
      Now just want the simplest way to move past it. Question is, when disputing to the 3 bureau's is best to make my case, describe what happened etc or is there some technicality to just have it removed? I was reading another thread about them having to be bonded in the state? I'm in Fl. 
       
      Also, are the disputes best done online, is that more common or do people mail nowadays?
       
      Quick recap if that helps:
       
       Lease expired 11/1. I was out 11/19, which of course is late, but I do have in writing from Manager to allow me to stay without fees if out by 11/16. the elevator was broken 11/12-11/16 creating the necessity to complete move 11/19. 
       
      They had a $1519 security deposit (one month). I was dumb enough to think a refund was coming, it was over the Holidays, and hopeful, I contacted Manager whom I had been in contact with, told she with a new property. My papers processed by someone else. I get notice on door of missed package, sign thinking they will leave it the next day, track it, and it shows "return to sender". SO I've never received itemized bill. 
       
      The only way that I have any idea what they chalked the fees with is a respone from manager on an online review I left for them. They stated that the carpet needed to be replaced.
       
      I Left that apartment EMPTY. I also filled in a move-in checklist and noted the carpet on it.
       
      Regardless, how does a $1519 deposit turn into a $1998 Charge-Off??!!!?!!
       
      Anyway, it boggles the mind that the apartment complex has done this to me. it's despicable, really. One of the reasons the Manager granted request initially was that I paid on time every month, had no issues. The fact that they would sever what could have parted amicably is beyond me.
       
      It's been a year...still think about suing, but would appreciate any advice. it took my credit from 700 to 600.
       
       
       
      • 27 replies
    • So somebody got ahold of my Citi CC number and successfully charged $753 and change on some pool website. I saw the charge and called the company and they said the order looked fraudulent and they had canceled it and refunded my card. 
       
      So I contacted Citi to get a new card number and disputed the charge. Well, first the refund from the merchant never posted. Now 3 weeks later I call Citi to see what's taking so long with posting my credit from the dispute. 
       
      They say that it's still under investigation and they will not post the credit until they finish the investigation and determine it is fraudulent. Until then I have to pay it off when my bill comes due. 
       
      Has anyone ever seen anything like this? Every dispute I've ever filed they credit my account instantly. That's the whole point of having a CC - they are liable for fraud, not me. 
      • 19 replies
    • Hi WhyChat,
       
      I happened to bounce onto this forum whilst skimming through medical bills and need your assistance.
       
      In a bit of situation for which I am not sure what approach I am to take 
       
      (1) Wife had to undergo some medical procedures in 2018 and that resulting in some medical bills
      (2) I had missed a month of payment after negotiating a payment plan with the hospital unfortunately and it had gone through to debt collections
      (3) Reached out to the Financial Recoveries (debt collectors) and negotiatied another payment plan unknowingly to me that inspite of doing so that they would report it on my wife's credit report
      (4) Checked my wife's credit report this month and I see the collections records listed in her profile
      (5) Called Financial Recoveries and they were not helpful with my request to remove the records off my wife's credit report upon payment. They say that once its settled, it would be marked as closed and it would eventually 'fall' off
      (5) Called the hospital and asked them if they could claw back the debt so that I could pay it off with them and they could have Financial Recoveries pull it off my credit report. They had mentioned that I could pay the debt to either the hospital or the debt collectors but they have no control over the credit report issue.
       
      I am at loss right now as to what approach I should take to remove those derogatory remarks from her report and would appreciate any advise. I read that goodwill letter 'might' work after complete payment but there is no certainty of that.
       
      One thought that ran through is that if i were to pay the complete amount to the hospital they technically Financial Recoveries would have nothing to claim and they maybe 'bound' to remove those remarks? 
       
      Any advice is highly appreciated!
       
      Hisham
      • 16 replies
    • Hey, my (older) mother was at Macy's, using her store branded Macy's card (DSNB) she has had for 28 years, when one of the tellers said that they "had" to switch her Macys card over to "the new one" and asked her to put in the last 4 of her social security #. She did it, and only realized a few weeks later when get got a new Amex Macy's card in the mail that the cashier had signed her up for a new Amex Macy's card. She was livid and refuses to activate the card, but we all know that the card is already open and reporting on her credit report as a new separate card. She wants to close the account and have all records of it removed from her credit reports and wants to report the incident as well. What are the proper steps to take to get this done with minimal headache? This happened a few months ago but I am just getting around to helping her out with it now. Thanks.
      • 14 replies
    • Received some akimbo prepaid card.
      Never heard of them.
      Identity theft I suspect.
       
      Funny it came to me in c/o of me.
      Filed a complaint with CFBP and will call these people on Monday and tell them to remove my name and address from their database.
      Has anyone dealt with them.
       
      I am holding onto the card just incase I have to get a lawyer involved.
       
      • 8 replies
  • Posts

    • Have you sent the medical DV to the CA for Equifax??   https://whychat.me/ltrcavalhipaa.html and sent the follow up dispute to Equifax https://whychat.me/ltrcavalhipaa.html#DISPUTE   I assume it is not/was not reporting to Experian- your post has become so contaminated with unhelpful comments I lost track of whether or not it was reporting to them and if you disputed to them or not.
    • There is good news ... and bad.   The good news is that the ho has already croaked.    The bad news is that there is probably nothing that can be done to get any back child support.  Whether the real father knew or not, he will claim ignorance.  While that is generally no excuse, it has been decades and I doubt the courts will get involved.  I've seen more than a few cases somewhat similar in units I have been in and if the child is still a minor, the courts might be game.  I have seen cases, though, where the child or custodial parent come after the other parents when the child is well over 21 and zilch.   I knew this ho in year 19XX on the East Coast and we had a brief fling before I unceremoniously dumped her after discovering she was a nutjob.  I was then transferred to the West Coast until 19XX + 5 and never had any contact her.  I then was stationed overseas from 19XX + 5 until 19XX + 10.  During these ten years I never saw or heard of the ho.     Five years later I applied for a store card underwritten by Bank of America and got declined because of derogatory data on my CRA files.  I was shocked!  I got a copy and found I had an 8-year-old unpaid child support tradeline on each CRA from NY State.  I contacted NYS DSS and they said I owed back child support for the ho's 8-year-old kid.  Fortunately, I thought, I was able to prove that for almost 2 years before the child as born and until two years after I had not stepped foot back in the USA.  The biatch at DSS said, well, how do we know you didn't make her pregnant before you left?  "Sure, while the ho is an animal, I doubt you can even find an animal that has a 24-month gestation period."     Bottom line, they could do nothing.  Even if they wanted to -- which they clearly didn't -- the Brady Act makes it virtually impossible for judges to retroactively reduce or eliminate child support.  I owed $80k and more for some b'tard kid.  So I talked with my cousin the shark (lawyer) and I said, "Fredo, what can I do?"  He said, "Cuz, the most efficient and cost effective solution is to have her whacked.  Or we cold sue."  So we sued DSS.  Miraculously they had the child support order voided, but we still attacked.  Won $400k.  The ho spent a few years in prison for massive welfare fraud.     Any time you are the non-custodial parent, even if you are in the right, expect DSS to screw you.  If you are male, expect a RAF.  The cards are stacked high against you.    

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