Filed divorce in 2016, final 1/18.  Ex ran up as much as she could during the separation and contested everything along the way to prolong the proceedings.  14 days after the final decree, my CH 13 was filed.

I did NOT reaffirm the house she was still living in and she refused to refinance in her name (or assume the VA loan, as she was a vet herself) and it went to Foreclosure.  It was IIB, as it was not reaffirmed, and was sold in late 2018, fixed up, then resold in 2019.  The initial loan was an IRRRL refi in 2/16.

Here's what my COE says:

Quote

 

Loan amount: $118,850

Date of Loan: 2/12/2016 

Entitlement Charged: $36,000

Status: Foreclosure/Deed in Lieu

 

THIS VETERAN'S BASIC ENTITLEMENT IS $0*

TOTAL ENTITLEMENT CHARGED TO PREVIOUS VA LOANS IS $36,000*

 

What would be required to obtain future eligibility?  Does this mean I need to pay the VA $36k?  Or is there a different amount I would have to determine to make them whole and reestablish eligibility?

If its $36k, I'd be better off just going traditional or FHA for anything in the future.

I was under the impression that you could request a CLI every 91ish days and that was the waiting period. But then looking again through forums after being denied I saw that it might be 180 days instead.

I was automatically CLId from 3500 to 5000 about 5 statements/billing cycles ago.

Im currently waiting on the letter in the mail.

If its the 180 day waiting period that caused me to get denied should I wait until the next billing cycle/the one after that to apply again? Or 180 days after I got denied?

Also kind of irrelevant but not sure if it changed but some people said that they were able to ask how much they wanted to be increased by but I had to just put my current income  and they would decide the increase. Not sure if that means anything🤷‍♂️

Any advice on how I can get back in good graces?

If it was me I'd let the attorney file suit and waste his money, but because the relative is military I'm thinking that's not the best way to handle it.  FTR, the debt is not owed and there is paperwork to prove it. 

I'm a bit rusty on dealing with debt collection issues and a novice on how it affects military. Any advice would be appreciated.

My clearance is still just fine, but is there a certain point that I should be worried about potentially the negative effect on my clearance from my past due student loans?

Thanks!

My husband I introduced to USAA but would have qualified on his own for 4 years in the Marine Corps.

From what I understand, he doesn't qualify for NFCU but I do.

So...should I jump through hoops for this credit union or do you think there is nothing significant gained over USAA??

My husband got a letter from Orion Recovery several months ago, while I was deployed. He responded to it, by phone message (noone answered), that I was out of the country, and we would investigate the matter on my retutn. He got another letters, threatening our credit, so he sent an email to their "feedback@orionrecovery.com" address. He got a 3rd letter, which he did not open, but wrote "deployed" on it, and put it in another envelope with a little note stating the same. He sent this certified, and it was signed for. We saw that this was on our credit report. He called in to the Orion office, and was told that an account manager would call him back. No call back happened. I got back in May 2015, and we figured we would get it straightened out simply. I called Orion Revovery, and reached a guy named "C" w/a Southern accent. I explained to him that they had acted illegally by adding something to my credit, while I was deployed. He said that I should have let them know. I explained to him about the history with the letters, to which he responded "Do you want to worry about then, or focus on now?" I thought that to be quite rude, so I asked for a manager. I was put on hold, and it was answered by a woman "R" that identified herself as manager. I told her what was going on, and that I thought that her collector was not professional, and she put me on hold. When she came back on, there was a ton of background noise. People talking and laughing, kids (sounding) carrying on. I told her that I was having a hard time hear her. She put me on hold again. After a few minutes, she came back, and it was relatively quiet. We spoke briefly about the debt, and she advised me that since it was on my credit, my only choice was to pay or leave it on my credit. I said no, I have the right to dispute it. She said that it was past that point, and asked me for a credit card #. I said "you have to be kidding me", to which she responded that I was "kidding myself", and we disconnected. We live in Colorado, so we decided to get our paperwork together, and go to their office in Canon City, Colorado. We pulled up to the addressame our GPS took us to. It was a campground called Prospectors RV Resort. We thought it a mistake, so we drove a bit more, but then ended up back at this campground. We pulled in, parked, and went in to the office. When we walked in, we saw that it was a little general store and liquor store, with a registration desk. I went to the desk, where an improperly dressed brunette that had been outside smoking asked us if we were checking in. I said "Actually, we are a little lost. Do you know where we can find this address?" She informed me that I was at the right address. I explained to her that I was looking for "R". She said "yeah, that's my boss, but she's not here, but should be back soon. Do you want to speak to "M", her husband. I said "No, I will just look around a little." I got the brochure, and looked around the store a little. We walked out to our car, and got online to look some things up. We watched people come and go. I saw the girl come out to smoke and drink a beer with some guys at the picnic table. I saw people smoking what looked to be pot around the corner. I figured there must be an office here somewhere. We went down to a separate looking house along the highway. It was empty, minus a cat on the porch aND some bags of garbage. We went back to the office, where I went to the registration desk again. I asked if "R" was back, and was told no, not yet. I asked her if she was familiac with a company called Orion Recovery. She said "oh, yeah. That's "R"'s other business." I said "oh, good. Where do I find it?" She said "in there" & waived st an office off the liquor store, where a young girl was surfing the Internet. I said "well, can I speak to someone?" She said that there might be someone upstairs, and got up and started heading to the back of this office. At what looked like a laundry room, she saw we were following her, and told us to wait. After a minute, she came back, and said everyone must be gone, and went back to her desk. I asked her what normal hours for the "office" were. She said it was hard to tell. I said "can you find out when "r" will be back? We drove quite a long way." She got on the phone, and I heard her talking to someone. She asked me if I was a lawyer, or had a business card. I said "no, I'm a client." She hung up the phone, and told me to call back Monday.

What the heck! We left. Thankfully, my hubby took several pics of the place. I emailed disputes in to the crefit bureaus, and filed complaints with the BBB, the Attorney Generals office, the Military Consumer website, Telekom, and to Orion Recovery. This place has a license, but it's pretty sketchy. I don't feel very safe having my personal information accessible to a campground, liquor store, and children. Something should be done about this place. Oh, and by the way, I got an email back from Orion stating that my debt had been canceled in their system and that there would be no further contact. I sent that to the credit bureaus, and I'm hoping they get it cleared up soon.

Hope this helps someone.

I've been googling myself into cross-eyed-ness, and I can't find a straight answer...what exactly are the credit requirements for a VA mortgage loan, specifically a cash out refinance? What are the minimum credit scores, DTI's considered? Anything else? We live in our house, this is our primary/only residence. Does each lender have a different guidelines, or are there specific ones that all lenders that do a VA loan comply with? 

My husband and I are in a pickle. Trying to get a cash out refi with bad credit (BK in 2016) and we modified our mortgage but they are showing late payments over the past year. I demonstrated we made each and every payment during 2018 and so far in 2019, they are saying those payments were for a couple months late in 2017. It's a mess.  So...I've redone my student loans. They're timely and good. The mortgage has been modified as of 5/1/19 and is good and "current".  Due to the BK, the mortgage is not reporting on our credit scores. I wish it was, if we could refinance into a new loan, it would be reported. All our bills are on time, but we do have a LOT of bills, both debt and medical and just living expenses. We thought a cash out refi would provide us the ability to pay off those bills and live comfortably without debt. We have about $200K equity in our house, and only wanted about $80K. We have secured income. Thank you for your help! 

So, I have two 30-day late payments on my Capital One Credit Cards (one on each card) from Nov 2017.

Before I left on military orders on September of 2017 for training, I called them and told them I was being deployed and wanted to try and pay the annual fee a few months in advance, so I wouldn’t have any late payments since I wouldn’t have any contact with the outside world for literally 9 whole months. They said they don’t charge military members the annual fee, and they would waive it for me.

After getting back on May of 2018, I pulled my credit report and saw I had 1 missed payment reported on each card. And I’m still confused to this day why. I thought it was probably just a mistake, and I was accidentally charged the annual fees. So I called them, and they said it was from some pending charges as well. I remember leaving with no balance though, and some of the charges don’t seem too familiar to me. Especially one place that I don’t think I’ve ever even been too. My memory is a little foggy though, since it was last year. Even to this day, and being with Capital One for years, I’ve never missed a payment. That is the only time to this day that’s happened.

After calling several times, they said I could mail in a credit dispute with the description of the situation and how I’d like it resolved. I was going to mail in this letter (down below) along with my military orders, and the credit reports of the dates the late payments were reported. I’m hoping to be able to get this removed, as it’s affecting me of getting a better interest rate on a loan I’ve been shopping for.

Any thoughts or suggestions? https://imgur.com/a/KemMr0r

I am aware of the free annual reports, but would like to get a total snapshot with scores and whatnot as well.

Thanks!

When the retro pay came Dfas took nearly all his retro pay to pay back his separation pay they gave us when he got out so we couldn't pay the Star Card.

Last year our tax refund was garnished and the whole amount went to the Star Card debt ($6,987). We are finally in a place financially where we can start taking care of all this debt so I called the debt collection office for AAFES and they said they sent it to NCO. I called NCO and they said they sent it to another company (DECA?). I called DECA and this is where everything gets interesting. They have been sending notices to a PO BOX I had like 5 years ago that was NEVER associated with this account. In fact the name on this PO Box was only me with my previous married name before my husband and I were married. I asked why they sent notices to that address and they said that is the information that came with this debt. I wasn't going to argue because I know that is pointless. I asked for their mailing addy so I can debt validate as well.

I then asked for the amount to pay off the debt - he said $8632. Umm.... WHAT???? I said that can't be right because we paid nearly $7,000 on this account and $4,000 in interest and fees is a little much. He started stumbling his words and was confused and not sure what to say after that.

I am PISSED. We want to get our debt taken care of but we don't want to $4,000 in interest either.

I have seen other posts talk about asking AAFES to recall the debt but how can they do that if the debt was sold again?

Does anyone know of the contacts (phone and email) for Chase's military department?

I am trying to get a pair of 30 days lates removed. Already working on the executive department.

Thank you!

Bah, DH was overpaid by a couple hundred dollars and never got around to opening a letter from VA saying he had to make arrangements. He paid it and it shows as closed on his credit report.

Anyone have any lunch on getting these deleted with GW letter?

not strictly credit related but I thought this may be of interest.

"Enclosed is a check for XXXXX. This check reflects the amount you paid on your loan within 60 days of receiving a debt collection letter from Navy Federal that is subject to the settlement.

The provisions of this payment does not create a new debt or increase any existing debt that you may otherwise owe Navy Federal. Nor does this payment prevent NF from engaging in lawful collection activities as to any debts that you may owe the credit union. This may include NF exercise of its statutory lien athority or securty interest in member funds to satisfy outsanding debts to the credit union."

The account in question was opened from 2008 to 2012. First reported delinquent in 9/2012 and settled for less than full amount in 3/2013. Shows on my credit report as a charge off and settled for less than full amount.

Should I cash this check? SOL has passed on when they could collect (3 years). Or is cashing it re-opening that window?

Can you have collections? If so, how many?

Score requirements?

I commissioned as a 2LT in the USMC this past February and was looking into taking advantage of the USAA Career starter loan as I've just found some solid employment as I await my reporting date to TBS.

Well, not thinking anything of it I went to USAA and applied and denied for the following reasons:

I was completed caught off guard as I've only ever had two credit cards and student loans. One is a Capitol one that is current and the other Macys that has no balance. Seeing this I just pulled my credit score for the first time ever and found my score to be a whopping 574 because of a Bank of America credit card charge off from 2009 to 2011 for the amount of $33. Yes, a thirty three dollar charge off with a bank I've never had an account with. Ever.

I am going to go into Bank of America tomorrow to sort all of this out, but there's gotta be someway to have this expunged. It's ridiculous.

Also, the date of the charge off was when I was at Officer Candidate School in Virginia if that makes a difference in regards to SCRA.

Help!

We are looking to purchase a new van.

USAA approved the line of credit we asked for (38k). However, they said they will only allow us to use 80% of the amount of the vehicle according to what they say it is worth. MSRP is $38,055. They claim it is worth $36,275, so they said we could only use $29,020 of the loan. Which leaves us quite frustrated. I'm not sure why they would approve us for a certain amount but we aren't allowed to use it. Spoke to 2 different reps to verify this situation. We don't have the cash to pay the 20%, all the fees, and our lovely 10% tax here as a downpayment to get to where we'd only need the loan to be 29k. It would take about 4-5 months for us to have the cash which is doable, but with the issues I'm having with my current van I'd rather not wait.

A friend suggested we try NFCU so I thought I'd get your opinions on that. We just submitted a membership application (husband is active duty) and they said it takes 3-5 business days to confirm eligibilty and to become members. So in the meantime I'm antsy to know if we might even have a shot with them.

We're doing the loan in DH's name as he is the one with the income. As of Feb 22nd his credit score was 691, certainly room for improvement, but we are getting there and should be debt free (aside from a potential new car) within the year.

Do we have a shot with NFCU giving us the loan?

To make a long story short, I have been with USAA since 1994, and when I was in IRAQ I decided to get a USAA CC. they gave me on with a 2,500 limit not to bad but wasn't great considering pretty good history and length of history. Well I have had their card for 3 years now and never once received a CLI.

So I called USAA to ask about a CLI but didn't want another hard inquiry on my report. So only a month ago I decided to diversify a bit from USAA and open a NFCU account. So yesterday I decided if I am going to use a inquiry I want to try a new line and have heard good things about NFCU.

I applied and within 30 seconds they approved me for a CC with them for 25,000 ! I was pretty shocked and finally felt like I got what I deserved. We have all made a few credit mistakes in past, but USAA is terrible with it and for the most part a proven track record of not coming through for their members with loans and CCs

thanks NFCU !

more anti-consumer changes are probably coming...

Should I just agree to pay them, a collection agency, and set up payment arrangements. I owe $3500 give or take.

Sent from my iPhone using Tapatalk

Now, she was the primary account holder on the card, with her ex-husband, who is still in the Navy was a cosigner since his credit was bad. However, she did not work and had no income when they were married. Is she just SOL? Is there any way to convince the creditors to only go after her ex-husband?

Thanks in advance.

I am new to this and really happy to have found this board. I am currently enlisted with Army and wanted to join USAA, a military specific bank. They asked me to send in LES along with DL.

I am not applying for any of their credit products at this time. While I don't mind sending in LES, I am a bit reluctant to send in a full LES since it has so much more information on it. I wanted to ask if it

is recommended or acceptable to block off other information on LES such as Ent, Allow, wages, leaves etc and leave only identifying information for them to read.

I was just referred over here by some online friends who think that this board might be able to offer some help to my situation.

My husband retired from the USAF on 1 May 2012. We moved from Spangdahlem AB, Germany to WA. We live over an hour away from the base and I'm not sure their legal department could help us since this has become complicated with Germany, Colorado, & Washington State all in different time zones and 2 languages.

Backstory:

We first arrived in April 2009 on Spangdahlem. On the 29th, we enrolled in the TKS Surf n Talk flat rate phone/internet access under his name for our house. I signed up at the same time under my own name, same office/ same representative for a cell phone with a 24 month contract, autobilled through our Community Bank account.

We were supposed to be there for 5 years, but circumstances changed that he retired on 1 May 2012.

I completed the original 24 month contract and was told that it would go to a month to month basis after it expired.

TKS Office had no difficulty terminating our household phone/internet account, but I was instructed to send a form letter directly to the T-Mobile/Telekom headquarters in Bonn. The representative wrote "Marschbefehl" as the 'reason for termination" (Marching Orders) on the paperwork and I sent it.

Cancellation date was set for 3 May - 2 days after we were due to fly out. It was sent on 22 April via certified mail. The representative had not said that there was any time limit.

6 Feb 2013, I received a letter from Aurora Collections Agency in Colorado, "Your creditor has referred your account to this office for collection." They requested $295.64 on behalf of Telekom Deutschland GmbH. I replied within a few days via certified letter requesting validation of the debt according to the FDCPA.

I never heard back from them.

20 Aug 2014 -- A letter, this time from Orion Recovery, also in Colorado, requesting a slightly higher amount.

Sent them certified letter on 22 Aug -- same request as to Aurora.

Today (as usual on a Friday, right?) I receive a package from Orion.

The main letter:

(with personal info excluded)

10/20/2014

Orion Recovery (address, Canon City, Co)

to me.. spelled slightly wrong, but that's not uncommon.

Acct no: 5XXX

Original Creditor: Telekom Deutschland GmbH
Original Balance claimed due: $295.64 (+ interest 8% per statute)

Re: Itemization and validation of debt

 

Dear (Me).

 

Per your request I have included the complete itemization and signed contract regarding the original debt. I have reviewed these documents myself and would like to discuss them at your earliest convenience. As you will see Telekom charged the contract terms and extended your account another 12 months due to the cancellation being received only 7 days prior to renewal. In addition, the May bill shows usage and was not paid. The remaining bills are the rest of the 12 year extension per contract
(MISTAKE IN WORD USAGE & SPELLING IS THEIRS, not MINE.)

 

Thank you for your service to our Country

 

Warm regards,

 

Rhonda Jo,
Orion Recovery

 

This communication is from a debt collector attempting to collect a debt. Any information will be used for that purpose.

included in the package

--- my original query to them to provide proof, dated 23 Aug 2014. On the back of that page is a post-it note "No New Info - Did not make new contact - updated case notes". (strange)

---copy of my original contract dated 29 Apr 2009 IN GERMAN, even though it was transacted on a US military base. The contract was for 2 years and I thought switched to a month-by-month after that - standard fare.

When we arrived, it was supposed to be for 5 years. It was shortened a three year tour due to changes in high year tenure.

--copy of cancellation request for 3 May 2012. We left on 2 May and I know there was no usage after that day for sure.

I followed the instructions of the T-Mobile office on base to send it in. There was no time limit, just that we were exiting the military and leaving Germany. Military clause was in effect as far as I knew.

Reason for cancellation: "Marschbefehl" (meaning marching orders) & the t-online rep wrote it on the cancellation paperwork before I sent it certified mail.

Then there's xeroxed paperwork in German for each billing month through October 2012.

May's bill IS slightly higher at 20,13 euros . I thought that my bank paid it before the account was closed down, but I'm now almost certain the 'request' for May might have been a day or two late and IS a valid debt. .

My community bank account was closed on 5 June 2012 which where the statements were billed & paid automatically. For me to get copies of the monthly statements is $2 per month via cashier's check/money order. I have through May, but nothing about June.

I think I might be able to locate the response from Telekom's customer service manager somewhere in my moving paperwork. He wrote me, acknowledging my cancellation request, and said that I OWED them another year for my contract since I'd only had it for a year and that's why he wouldn't allow me to terminate the account.

I hadn't been able to find a copy of my original contract, so I couldn't reply to him with any truth... thanks to Orion, I now can prove that I had my phone for 3 years.

My questions:

If I pay any amount of money on this debt (May 2012 bill), will it really go to Telekom?

Or is this just a debt collector who bought it up for pennies on the dollar in hopes of making some money off of me?

Orion & the paperwork for Deu Telekom claims that I owe on a 12 month contract, but the "debt amount" is for only 6 of those months PLUS interest. IF I do pay, will they come after me for the other 6 of those virtual months?

Will it screw with my credit rating to pay on it? (I checked last month and this 'debt' is nowhere on any of the three company's radar.)

What exactly would be the statute of limitations on this debt? IF I pay on this and it does show up on my credit history as a 'default', how much of a hit would I take? How many years would it affect me? I have really excellent credit. I don't want this insanity to wreck it.

It's a German company, but a Colorado bill collector and I reside in WA.

I have a headache from all of this. I hope I don't spread it to anyone who reads this.

Suggestions and information on what next to do or research would really be helpful. What makes me really sick to my stomach is that we have even less money to live on than while we were active duty. I don't need interest or more debt to make things worse.

Thanks for any help & assistance in this confusing matter .

Case in point: Me & spouse filed ch13, got dismissed, AAFES then immediately took our tax returns that next tax filing. Called them and they did give it back barring I (MM) setup payment arrangements. They said nothing about the spouse.

Now, I've got a charge off showing from them starting at the time of the ch13 filing and I'm paying my debt monthly. My credit is not being helped by my payments.

The wife though, still has access to her cards, online account, and is still able to use her card/s.

Just this past week I wrote them a letter asking why they weren't sending her accounts to the CRA's. Well I'm glad I did because they updated her accounts to show all good. Her reports just kind of stopped being reported by them at the ch13 filing. I'm not sure if it said charge off but it might have.

What I don't get is why they would treat us differently? We're still married and I was retired when all this went down, if that makes any difference.

I'm lost as to what else I can try to get them to help ME out this way.

Camaro addict!

Has anyone had any luck in getting late payments removed from NFCU? If so, could you please provide insight? I messed up pretty bad the last few months missing payments and Im desperate to fix my credit once again. Thanks in advance.

https://consumermediallc.files.wordpress.com/2016/09/usadiscounterssettlement.pdf