Jump to content

Stormandshadow

Members
  • Posts

    55
  • Joined

  • Last visited

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. With all due respect, we are all adults here. Hopefully, most members do not blindly follow anyone's advice or opinions, CB administrators or lawyers included. I appreciate, that , for the most part, individuals who are not represented by counsel receive guidance here --and sometimes that includes encouraging them to hire a lawyer, if at all possible. Because I run a private practice, I don't have time to write the letters and follow the step by step instructions so generously provided here. As it turns out, Why Chat's post showed me another way of thinking about this matter, which had not occurred to me. I will leave it at that - at least for now. I hired the lawyer on recommendation of a friend "in the business", as they say, and it was done in haste. I don't think he wanted the case (not big enough $$$), and had I not viewed the situation as straight forward (mistakenly, I now know) I would have moved on and looked elsewhere. In fact, the lawyer's initial recommendation was to work it out with the collector (which, of course, is not always a bad thing) but I had already told him that I tried to do so , and the CA adamantly refused. I respect and appreciate all comments here.
  2. Thank you for the speedy and enlightening response! My understanding of the SOL for medical debt in NY is that it recently went from 6 to 3 yrs; however, it was signed in around 2020/21, and not retroactive. Many websites still show the 6 years for NY, but they are incorrect. When I first spoke to this lawyer, he insisted that SOL was 6 years , I disagreed (he didn't like that) but it didn't matter because I knew it wasn't going to apply anyway. The judgement was dated 2018, which is when they say they served me. I am really so disappointed with Chase. I am sitting with a stack of virtual credit card payments - I received from an insurance company (soon to be on direct deposit) but the virtual terminal through which I deposit these payments into my Chase Business account is off limits - until hold is lifted. I probably have close to $1 - 2K which I cannot deposit right now and I can only hope they don't expire. I spoke to the rep in Chase's Liens /Judgements Dept about this. Its really in poor form - to say the least. Also, they charged me $100 "legal processing" fee. It's almost as if they are collaborating with collection agency. The whole thing stinks. I did have surgery in 2013 and to my surprise, anesthesiology was separate chargeI would have been willing to work out a payment plan, perhaps over 6-12 months, but was hoping to lower the total due as well. Honestly, I like your idea a lot better. So stressful -
  3. Thank you for the speedy and enlightening response! My understanding of the SOL for medical debt in NY is that it recently went from 6 to 3 yrs; however, it was signed in around 2020/21, and not retroactive. Many websites still show the 6 years for NY, but they are incorrect. When I first spoke to this lawyer, he insisted that SOL was 6 years , I disagreed (he didn't like that) but it didn't matter because I knew it wasn't going to apply anyway. The judgement was dated 2018, which is when they say they served me. I am really so disappointed with Chase. I am sitting with a stack of virtual credit card payments - I received from an insurance company (soon to be on direct deposit) but the virtual terminal through which I deposit these payments into my Chase Business account is off limits - until hold is lifted. I probably have close to $1 - 2K which I cannot deposit right now and I can only hope they don't expire. I spoke to the rep in Chase's Liens /Judgements Dept about this. Its really in poor form - to say the least. Also, they charged me $100 "legal processing" fee. It's almost as if they are collaborating with collection agency. The whole thing stinks. I did have surgery in 2013 and to my surprise, anesthesiology was separate chargeI would have been willing to work out a payment plan, perhaps over 6-12 months, but was hoping to lower the total due as well. Honestly, I like your idea a lot better. So stressful -not having the ability to deposit these VCC's!
  4. I am in New York. Two days ago I discovered a hold on a portion on funds in my Chase Business Checking account. That same day I received a letter from Chase advising me that they received a judgement filed/dated July 2018. I called the agency and it was from anesthesiologist charge from 2013. I was never served, even though there is an accompanying affidavit of service (I was able to get both docs from the court via email). That affidavit is a joke, as has a description of me that is hideously off -- even my skin and hair color although I like that they also made me twenty years younger lol. I am not trying to get out of paying but I would like to work out a payment plan. A few questions : 1) Are they allowed to freeze my Business Account for non business related debt? 2)I am in private practice (psychologist). My bank, Chase, will not allow me to deposit credit card payments (they are actually virtual credit card payments received from one of the insurance companies until switch to direct deposit is completed) . I was under the impression that deposits are permitted and only withdrawals (beyond the amount available)would be a problem. A bit confusing. (Also, virtual credit card payments are really more like debit/cash card payments , so there would be no issue regarding enough funds available in the acct to cover, for example, if the "card" or deposit was "bad" or could not be collected for some reason. I have deposited many virtual card payments in the past. 3) I retained a lawyer -- only to vacate judgement and perhaps see if a payment plan could be worked out. I would appreciate thoughts re questions above, if possible, and any other advice , recommendations anyone can share. Many thanks in advance! P.S. My credit has been good for some time now. I really hope this does not show up.! Haven't checked yet..
  5. Thanks for the replies. Yes, I have hard copy of the report - which shows that the bank loan info, which was originally on report, is now off. Spoke to bank this a.m, they had already contacted the 'processing company" - and doing everything they can to fix as soon as possible. Will follow up.
  6. Of course I did not rely on Credit Karma! When I saw a 70 pt drop and noticed that the loan was NOT showing on the report, I immediately called Equifax directly. Equifax, not CK, provided information.
  7. In late May, I received a $500 secured loan from my credit union - which showed on reports and raised scores by mid June. I have already made first payment, and second payment coming up. My best score was EQ, 658. Over this past weekend, I opened Cap One Secured MC, $49 deposit, $200 line. I am awaiting card. So Far, so good. This afternoon, I decided to review my EQ score and report...low and behold, my score went down a whopping 70 points...and.....my bank loan entry was gone!!!! Report shows only one open, in good standing, account! Should have shown two (and soon three, once MC is activated.) I called EQ,.and the only thing they could come up with was that my bank failed to report. But I know it was on the report - last month - so any ideas as to what happened? It was too late to call my bank -- but will do so first thing in the morning, So weird -- and rather unsettling. Also....I have a GM charge off from 2016 which shows as open , reporting as recently as July 2018, yet indicates it ws closed - and doesn't show date closed. Also shows that its in dispute. Glad about that. Still, I really don't get it. Car was supposedly auctioned off in 2016, yet, I never received any notice of sale - or communication regarding the amount it was sold for. The charge off amount (approx. $3500) has been the same as original outstanding balance -; however, shouldn't it reflect final balance remaining post sale of car In 2016 ?- When all of this happened, I TRIED to discuss pay for delete with collection mgr -- and he adamantly refused. Would love to get this removed since it won't fall off for another 5 years. Otherwise, no derrogatories, only one baddie - but really need to build credit - which is why I 'm so ticked about bank loan not showing. Questions; Any thoughts on bank loan dis?appearing from EQ and a 70 pt drop? Any suggestions re charge off ? Should I try PFD letter? Many thanks in advance for any suggestions.
  8. Hi all. I applied for the unsecured Discover IT - as I read that they pulled Equifax (my highest at 658). Foolish mistake on my part -- because I would have been okay with secured, although I would not choose Discover for secured. Of course, they pulled Experian (my worst at 545) . I am down to two, albeit, one big baddie - a 2016 charge off ($3600) by GM, but have opened only one new credit line - in years -- so really need to get that going as well. Up until around three months ago, I had no inquiries on my reports. I made the mistake of going to an auto lease broker - didn't realize that in addition to the scores he pulls, car manufacturers separately pull scores as well. I wound up with four total inquiries. A few weeks later, I opened a line (secured loan) with my credit union, and my scores went up - Equifax in particular. I realized that I really needed to open more lines ...so I figured I would try Discover. Rejected. So...I now have five inquires on my reports - and no card - secured or otherwise. My question : I would like to apply for the Cap One Secured (not taking any chances), but that will mean yet another inquiry. Should I wait before I apply for the card? If so, how long? I realize that the benefits of adding the credit line may outweigh the risk of another inquiry, but not sure about this. Any thoughts, suggestions would be greatly appreciated. Many thanks in advance. PS - Preapprovals from Cap One online and via mail - for Quicksilver....but even so, I'm reluctant to apply - don't want to take another chance.
  9. Thanks, suspected that was the case. I also realize that a car dealer can promise anything and then change the story when he runs your score. Yesterday rec'd approval from Cap One secured MC at 49.00 deposit for 200 line (per my last post yesterday) Is it too soon to apply for one more credit card - from another bank or company?
  10. Okay guys, I'm in!!! Instant approval Cap One Platinum , and only $49.00 deposit required for a $200 line for starters. I can deposit more (over a few weeks) to increase line - up to $1000, (but need to re-check that). In a way almost like a partialyl secured card. Now I'm wondering....should I do another? Thank you ...thank you...thank you!
  11. Many thanks to all, really appreciate the great feedback. I will follow up and keep you posted.
  12. Thanks for the feedback . You are correct about Discover. I know because when I asked what was pulled - the rep said Exp,but added that the CRA pulled is random. Will most creditors ignore frozen reports and simply rely on the one that is active? Will they tell you that they must have info from all three ? When I recently told a Hyundai sale rep that my EQ was around 648 (or 658} he offered a 0$ down lease and $349 monthly payment on a new (fully loaded) Tuscon. Of course, I didn't let him run my credit because wasn't sure what he would pull. I later read that Hyundai goes with highest score. ...Perhaps I should freeze TU and EX for now and see what happens.
  13. Hi all. I applied for the unsecured Discover IT - as I read that they pulled Equifax (my highest at 658). Foolish mistake on my part -- because I would have been okay with secured, although I would not choose Discover for secured. Of course, they pulled Experian (my worst at 545) . I am down to two, albeit, one big baddie - a 2016 charge off ($3600) by GM, but have opened only one new credit line - in years -- so really need to get that going as well. Up until around three months ago, I had no inquiries on my reports. I made the mistake of going to an auto lease broker - didn't realize that in addition to the scores he pulls, car manufacturers separately pull scores as well. I wound up with four total inquiries. A few weeks later, I opened a line (secured loan) with my credit union, and my scores went up - Equifax in particular. I realized that I really needed to open more lines ...so I figured I would try Discover. Rejected. So...I now have five inquires on my reports - and no card - secured or otherwise. My question : I would like to apply for the Cap One Secured (not taking any chances), but that will mean yet another inquiry. Should I wait before I apply for the card? If so, how long? I realize that the benefits of adding the credit line may outweigh the risk of another inquiry, but not sure about this. Any thoughts, suggestions would be greatly appreciated. Many thanks in advance. PS - Preapprovals from Cap One online and via mail - for Quicksilver....but even so, I'm reluctant to apply - don't want to take another chance.
×
×
  • Create New...

Important Information

Guidelines