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PoorGirl

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  1. Really? It's only been a bit over 3 years, and I think it's 5 years in many states including mine?
  2. I know that it can be difficult to get a mortgage for a corporation, but I wondered if anyone has info on a hybrid kind of situation? Where it would be my LLC applying for the mortgage, but my company would have a signed lease with myself (and probably one other person). So it would be owner-occupied basically, even though it would not be a personal/individual mortgage? I could sign for 5 years so that the mortgage company feels that's more stable. Am I right that this would be more difficult than getting a standard personal mortgage? I'm thinking of trying to build business credit, but I don't want to spend the time and effort if it won't qualify for a loan anyway. I know that I could get the personal mortgage (but I want it through the LLC so that I can add/remove other tenants more easily.)
  3. I want to refi my auto loan in 6 mo or less, so I'm trying to choose a bank/CU and develop a prior relationship now. If I have a small business account somewhere, would they consider that prior relationship when I apply for the individual/personal refi? This would be a business with an EIN, not a sole-prop. It would be a savings account, checking account, or credit card or maybe two of the above. I would rather not get another personal account, but I want to make sure this "counts".
  4. I would like clarification. I'm trying to do the initial CRA letter. On https://whychat.me/hipaadisp.html it says "Make sure you HAND ADDRESS the envelope" But on https://whychat.me/GUIDEBOOK.html it says "You can also print a priority mail label on line with a USPO account." I already printed the label online, but I will redo this if I need to? My form is handwritten. Thank you!
  5. Ok, thanks! Yes, a health care facility. Date of service was in July 2017. I have my EOMB. By "threatened" I just meant they kept saying they were going to send it to collections if I didn't pay.
  6. Thanks, I didn't think about how it was different. I was hoping people here could give me questions or tips? Prior to hiring. I'm not even sure about going that route though because of the time it would take.
  7. My post stated that it's a tax lien that was bought and that they're charging fees above the acceptable state regulations and it's in writing. Yes, within SOL. Edit: Residential property tax. Not sure if there's more I should answer?
  8. I understand the HIPAA method, but in my situation is it quicker to ask for PFD? The OC threatened to sell the debt and then apparently did. I don't recall seeing any letters/voicemails/calls from the CA but there might have been ones I missed. Most likely if they sent me anything it was to my mailbox which was temporarily not accepting mail. The debt is showing on one of my CRs and I haven't checked the others since. I want to spend as little time as possible for my situation because it is a tiny bill. It would be nice if the OC got the money instead the CA, but I am disabled and have to conserve energy.
  9. I'm trying to decide what step to take next regarding a collection. I don't think this place is officially a "collection agency", but in doing some research, it seems like an attorney who does a lot of collection, so they are supposed to abide by the FDCPA. However, I am pretty sure that they are violating the FDCPA after looking up what fees my state allows them to charge as a tax lien buyer/holder. But even if they are violating the FDCPA, and I have written documentation, does it do me much good? It seems like my only options are to file complaints with my state agencies or get an attorney to threaten/negotiate. From what I read, the CFPB would just forward my complaint to this collection place and keep a record of it, not much else. I feel like a really good attorney could help, but that it would be hard to find a good one who doesn't need upfront payment and charge a lot. I could afford it, but I'm worried about the chance of spending even more money. If the attorney doesn't have success with reducing the debt more than the attorney fees, that is. I feel like it's only worth my time if the attorney could get the debt significantly reduced, and the odds of that are very low, right? Also, I know I could send something like a debt validation letter, but I feel like they would respond and what good has it done? I feel like they are probably charging excessive fees to many broke people in my area, which makes me very mad (and they also did something else which upsets me but it's way too hard to prove), but due to some personal circumstances, I don't think I have the luxury of caring about justice for other people or myself, sadly. So I'm thinking of doing nothing (and letting them collect the unfair fees from me), but I would like input in case I am overlooking something.
  10. If I had a receipt from the place, I could. But those receipts are with the MO receipts (lost). But based on the below, I wonder if I could get help without knowing the MO number. Thanks! I've been assuming I'd need the MO purchase receipt, but I will look into whether they can trace without. I do think that bank statements would show the withdrawals and the MO would have been purchased the next day or the same day. I will look those up.
  11. I replied above but forgot to quote you. Also, in reply to this paragraph, I can pay the property taxes now, but the previous ones had a lots of fees (the company's profit) tacked on. Plus as I said, I was going through hardship at the time, but even with the hardship I did pay those taxes with their fees. This would be a double payment. In addition, property taxes were much higher at that point.
  12. I'm not saying I should get out of paying. I'm saying that I already paid but lack proof, and that it's a serious problem if I have pay most of it again and soon. I believe they cashed the money orders. The money orders have my account number written on them (and my mailing address and maybe other identifying information). Should it be my burden to prove with records? I think they should have to look at their records and find those payments from me... If they did cash them. I have a very strong feeling they did, because they were insisting that I pay for weeks and getting very threatening, and then (each time) they stopped bugging me for months because I had made a decent payment by money order. They wouldn't have stopped if they hadn't put some money on their books. With any legitimate honest company, this wouldn't happen in the first place, but if there was a honest mistake, I would just tell them and they would look at their own records. The horror stories out there about companies of this type and how they have acted so far makes me think they are running a shady operation. They actually sent me a complete wrong invoice not even showing one of the provable payments and acted as if I had only ever paid one tiny payment all this time. Then I said I don't think this is correct, send me more detail, and they did correct that one part. But they would be able to guess that the money orders are different because they got away with not crediting me multiple times. I wasn't sure of that for a long time until I had finally paid one via check. The point is, I think it's very, very unlikely that the wrong higher invoice was an honest mistake. On the other hand, I understand that there is probably nothing I can do to avoid this "double payment" at this point.
  13. I thought I had because I usually keep money order receipts in one particular spot. But nope. Also looked in other places. There were some difficult things going on at the time. Cashier's check seems like a good idea. Just seemed like money order was the same thing.

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