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Debt Consolidation, Counseling and Management

You're in debt and don't think you'll ever get out, maybe got some late payments, but are trying to work something out so you don't completely trash your credit. Discussion of Debt Management Programs, debt consolidation, settlement and consumer credit counseling programs.

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  2. How to settle

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  3. Welcome!

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  4. Debt Mangement Plans

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  5. Other topics
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  7. My Greenpath log....

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  8. What options do I have?

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  10. Is a HELOC a mistake?

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  11. Exploring options, CC debt

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  12. CCCS

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  • Our picks

    • My mother passed away nearly 2 years ago. She did not own anything in her name, and there was no money in savings (joint with my dad) at the time of her passing.... but they lived in Texas (a community property state) and the house is paid in full.
       
      The house is solely in my dads name. That is the only property "they" owned.
       
      Her medical bills were quite high and were were initially told they cannot do much as there wasn't an estate. Now tge bills are being addressed to my mothers estate via my dads name.
       
      I know advice given here isn't legal.. But I would appreciate feedback from anyone who has been in this situation... Or advice that we should seek out an attorney.
       
      Can they force a sale or attach to the house at all in a community property state such as Texas or is the house not touchable. 
       
      TIA CB!
       
      • 14 replies
    • Hi everyone I’m new to this site! I have a question about an account I saw on my credit report - it’s an old car lease back in 2006 that’s been paid for years but upon reviewing my report it noticed that it still shows open! Should I contact Transunion and have them close it or should I just leave it - there are no late payments but it isn’t showing paid as agreed! 
      • 7 replies
    • https://www.bostonglobe.com/business/2017/02/01/robocalls-next-washington-agenda/rAm70apnwKTbjZ48pk7kbO/story.html
      • 10 replies
    • I started to fill in a cc application online and it asked my employment status with the choices of 1. Employed 2. Unemployed 3. Retired 4. Self Employed.  I am on SSD so I have income for now.  Is this considered unemployed and will that hurt my chances of being accepted?  
      • 10 replies
    • fixed up to work with OO courtesy of taylortr.
      CCCS2008.ods
      CCCS2008.ods
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  • Posts

    • I am trying to not have them look too hard at the account as they stopped reporting 6 or the 7 lates probably by mistake. Risk of 6 added back on vs. one removed = proceed with caution.   The TU supervisor did not provide a letter. He suggested I obtain a letter from the mortgage company addressing the actual DOFD and present said letter back to TU to attempt deletion.   I was speaking to TU over the phone after the 7 year auto-deletion failed to remove this sole late. This call was made as I read several times that TU supervisors have the ability to correct things, similar to what EX customer service reps can do. He did inform me that he could not do anything because the DOFD of the late was not showing as the DOFD of the string that was deleted.    He did not state that there was NO DOFD and it was my mistake at the time to not ask him what DOFD was showing on the late.
    • Also this account was only reporting on Equifax and Innovis.  I received a hard copy from Innovis in 2014 showing the account going positive in 01/2019.  Just received a fresh copy in April 2019 and the account is no longer on the report.  Completely removed.
    • This tradeline is my current mortgage so there is no chance of it being deleted. The previous 3 servicer TL's were deleted. My AAOA is now 14+ years so no big deal there. I wanted them deleted anyways to purge other info they contained.   The current mortgage company took over the loan and I brought the loan current 7 months later. They had initially  reported the 7 total 120"s before I brought the loan current.   Sometime after bring it current and prior to the 7 year auto deletion, the current lender stopped reporting the 6 preceding lates. This broke the chain of lates, leaving a 6 month gap to the last 120 day late.    When the 7 year auto deletion came around, this late was the only late not deleted. All 3 prior servicing TL's were deleted in their entirety.  Unfortunately, I did not know there was no DOFD being reported for this late or I would have tackled that prior to the 7 year auto delete sequence.  I am not sure it would have been deleted even if it had the proper DOFD due to the 6 month break of the chain. It certainly would have had a higher chance than with no DOFD.   My unintended consequences concern is a potential back fill of the six previous 120 day lates prior to the lone 120 in question.
    • The reports have confirmation numbers on them.
    • Yes hegemony i do .. old reports dating a few years back and i have requested a mailed copy from Equifax as well. 

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