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  1. I received a letter from Radius Global Solutions for Capital One (OC). I cannot, for the life of me, find the letter they sent. How do I get the account number to send the generic validation letter? I called Capital One, but they transferred me directly to Radius and they asked me to verify my SSN and birthdate, so I hung up. What do I do?
  2. Do I have to call and ask for this? Or just pay the accounts up and it will happen?
  3. So, last year, I was on bedrest for 8 months. I got behind on everything. I have 90-day lates on all my credit cards except two. A couple of them have closed the accounts, I have closed the others to keep interest from compounding. My question is, should I let them charge off and try to remove them or should I make arrangements to pay them ASAP. I plan on paying them all eventually, but will it hurt more if I start paying on them right now? Or should I let them charge off, start paying them, and fight to have them removed?
  4. He’s been helping a little. That’s how I’ve kept the lights on, car note, insurance, our cheap phones paid and bought food. So, when I get back to work, I should just try to catch up? I shouldn’t call and try to negotiate interest rates or anything? Okay. Maybe I’m being dramatic. Maybe it’s not as bad as I think. 2-3 years isn’t terrible.
  5. I’m SO behind! I feel like I’m drowning in debt! So, my dad died in December ‘18 without insurance. I paid for his burial out of my limited savings - supposedly, no one else had money. In January, SO and I parted ways. End of January, found out I was pregnant. Fast forward 9 months, I’m behind on ALL my CCs that carry a balance, a consolidation loan, and my house note d/t being on strict bed rest since April. I had a c-section 3 weeks ago so still not able to go back to work yet. I have 90-day lates on two Capital 1 cards ($4,000 and $500), Chase card($500) and Dillard’s, Victoria’s Secret, Stage, and WalMart (about $3200 total). I also have a consolidation loan of $35,000 with NFCU, a LOC of $15,000, an AMEX of $1,000 and a few other small cards with no balance - none of these have late payments, but I’m always late paying. My house note is $1902, it’s almost 3 months behind. I was making about $130,000 before this pregnancy, working two jobs with no off days. I’ve cut out all that I could and shaved all extras. What should I do about cards, late payments, and my mortgage? Credit counseling? Call and try to negotiate? Will bankruptcy allow me to keep my house? Or just wait and go back to work and try to catch up. I should mention that my scores are down about 200 points, I’m sure it’s d/t utilization and the numerous lates. Help!
  6. I’m trying not to be a helicopter parent. He’s in on the process, too. He’s new to this “life” thing, and I’m trying to be a guide.
  7. He’s been working for two years with the same company. He has check stubs. No certain type of car, just dependable. And, he doesn’t have any credit, other than being my authorized user.
  8. My son just turned 18. I just added him as an authorized user on one of my credit cards. Other than that, he has no credit. He’s leaving for college in August and needs the money from his college fund to pay for school. He has a good job (for an 18-year old). But he needs a car! Any ideas on where I can get him financed? I must add that I can’t co-sign. My credit is good, but my DTI is too high, I’ve been told. Unless you have some ideas there, also.
  9. So, the credit bureau told me the dates of the accounts. I was looking through my Dropbox for something and ran across a letter sent to me last year by PMAB. The letter says they removed the same accounts from my credit report last year. Same dates and amounts. Apparently, the hospital resold the accounts. Do I have any recourse? Still no answer from this CA (they still have about 10 days). By the way, the amounts were what remained after insurance paid for ER visits, says Blue Cross.
  10. I'm not even sure whether the accounts were for myself or my children because the CA hasn't answered my DV. So, I don't know what to tell the insurance company when I call (dates of service, etc). As soon as they send me some info, IF they send me some info, I'll call the insurance company. Thank you!
  11. I have two collections that popped up in June 2018. Both are with the Law Offices of Mitchell, Bluhm, and Associates. They have an open date of April 2018, and it says it's for "Northern Louisiana Medical Center Emergency Physicians". One for $367 and one for $1,028. I'm not sure what or who they are for (I have 6 children). I called the hospital and they don't have a record of the account, but they did have a visit for me from May and they didn't file my insurance, which left me with a balance. The lady said that the emergency physicians bill separately and gave me a number to call. I called them to let them know that I have insurance that they obviously didn't bill, and this lady told me that I should call and talk to the collection agency directly because they don't keep the information after they send it to the agency for collection. I know to NEVER call the collection agency, and I've sent them a validation letter because I don't even know who received the health care. How do I get them to file on my insurance - a collection agency won't go back and do that, will they? In this case, should I call?
  12. Has anyone here ever been granted a business LOC with a brand new business? Im willing to PG or even put up a rent house as collateral. If you have, which lending institution did you use, how old was your business, what type of business do you own, what was your personal credit score, and how much was the LOC? Thanks!

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