Jump to content


  • Content Count

  • Joined

  • Last visited

  1. LCJW

    BK vs bad credit

    Hi busymom, so, you think is better to try to dispute charges based on SOL and tackle them one at a time than bk? I am so concerned than once my divorce is over I just go down with all this mess.
  2. LCJW

    BK vs bad credit

    This debts are on my name only. My divorce is taking over 2 years to finalize because my husband refuses to share house (2) selling profits, retirement, so on and so forth. so, this unsecure debts have been in collection as a charge off from the OC for the last year and a half. Even if I try to repay this to the collectors it will be on my credit and I still have to battle the collectors to show "paid in full" instead of whatever they want (we know bill collectors can not be trusted) so, I do not know if it is better to dispute the charges, and try to clean up my credit, or file for BK and get it over with. Thanks,
  3. :(Hi everyone, I have about 10,000 in unsecure debt, I am going thru a divorce and I can not pay them.. would it be better to file BK, or try to fix my credit. Please help me with an sincere answer I do not know what to do. Help! lcjw
  4. Hi Sassy, I also noticed no postings from you. Get well!!!. Will keep you in prayer for you to get back on your feet soon. I missed your wise advice to all of us in need of that. lcjw.
  5. LCJW

    experts help!

    No, I have not. I know that the experts send us newbies to credit 101, but I have read and read and read, the topic and I am not sure of what to do. lcjw
  6. LCJW

    experts help!

    Hi guys, I send my first DV letter to a collection agency used by Providian 2wks ago, I received a response letter from Providian, not the CA. Providian is not validating the debt only acknowledging tht I do not want to be contacted by phone anymore. What do I do next? Do I just wait for the 30 days period and then demand for the CA & Providian to be removed from my CR? Please help!!!!!! thanks, Lcjw
  7. Thank you so much! I hae asked this question many, many times and no one responded. Thanks again. I am new at this and it is very hard to understand everything that is going on; also, I noticed that I am not the only one. Most of the newbies are in the same boat. Thanks! lcjw
  8. How do I do this: delete old addresses, name etc? Thanks ya'll!!!!
  9. LCJW

    Help guys

    [ Have you deleted old addresses, name misspellings, SSN typos, old phone numbers from each CR? TU, EXP, EQ? I would do that right away if you have not already. How do I do this? delete old addresses, name etc?
  10. LCJW

    Help guys

    Thank you Pavlov!!!!!!! What about the SOL? if Iam still whithin it CA can sue me? Do I still take a chance and send DV letters to them? Do I need to do the same with the OC? Thanks! lcjw
  11. LCJW

    Help guys

    I know that you guys suggest to read the newbie section first, but I have read it and read it, and read it again and I am not very clear in what I have todo. Please, please, please, advice. I have accts sent to CA from: Capital 1 2003 2600.00 Providian 2003 2700.00 Target 2003 2900.00 I have optout I have sent the CA DV letters to one of the CA. SOL in TX is 4 years. I am very confused about sending the DV letters because if I am within the SOL then I can be sued; however everyone of the experts on this board advices to send the DV letters. So, what do I do? Also, what about the OC do I send them the DV letters as well? I know that for the experts I might sound stupid but this is very new to me and there are so many threads and discussions that I do not know what do . Please help guys! Thanks, lcjw
  12. I don't know how to thank you all for your sincere and knowledgable advice. So, I'll just say thanks to all of you sincerely! Well following your advice: I have opt-out I have sent the dispute letters to the CA But how do I take care of the OC? do I send them letters of dispute as well? Thanks guys! lcjw
  13. Thank you all and God Bless! Lcjw
  14. Thanks. Am I still on time to "optout" I've notice that many people have received the "you are too late to optout". when is too late? lcjw
  15. What is "opt out" I 've seen it several times but I have followed so many threads and read so many topics that sometimes I've got lost and I have not been able to find out what "opt out" is, or means?

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information