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funkiehouse

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About funkiehouse

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    D* Influence

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  1. Thanks! A 20 month old little boy has been keeping me busy and he has a brother on the way in August. Thanks for all of your help along the way!!
  2. Just maintaining, keeping my bills paid and watching spending.
  3. I started my credit journey here on Creditboards 4 years ago yesterday. I've gone from 12+ baddies across all three reports to only 1 baddie left on Experian, of course. I've gone from $0 to $200k in credit and went from 530 FICO to a 790. It took a lot of reading, letters and research but it can be done. The first few months are the hardest and waiting for the mail everyday can drive you crazy. I did a few months of reading and research before sending my first letter. That was hard to do but I'm glad I following that advice from CB members because you really need to understand what you are do
  4. Anyone get this card yet since the changeover. Thinking about going for it. I see golions27 did. Anyone else?
  5. It isn't tax fraud. This looks like a fairly classic 1099-C issuance. No ambiguity that it should have been issued earlier after a chain of possession. People seem to have this notion that somehow collectors can write off the face value of bad debts they buy. They can't and don't and are limited to writing off the pennies they bought the debt for. But this is completely different from the amount a 1099-C is issued for which relates to the monetary benefit a debtor gained when the debt is forgiven or otherwise deemed uncollectable. Whoever owns the debt at the point that IRS 1099-C filing requ
  6. Another oldie but goodie https://creditboards.com/forums/index.php?showtopic=154751&hl=
  7. FYI to all: I just read one the interwebs that Hilco and Equable are the same company.
  8. I thought about that too but I want to stick it to them if I can.
  9. Hello friends. I just thought I would post my current situation for others and seek ideas on dealing with a 1099. Details on acct: WaMu acct > Chase (DOFD 07/10 - CO 1/11) > Sold to HLF6 Hilco Receivables and was with them at least through 09/2013 (last report I have from that year) > must have ended up with Equable Ascent some time in late '13 Chase is reporting $o balance and Equable never reported to CAs, never attempted to collect (as far as I know), and never sent me a 1099. About 2 months ago I got a letter from uncle Sam saying that I owe $$$ from 2013. The
  10. If you don't receive anything back by the 35th day from when they received it, then it's time for a CFPB complaint. Just curious, are you battling an OC or a debt collector? What's your follow-up plan?
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