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  1. Yep, they cut mine this week. $17,500 to $5,000. The reasoning was that I was not using my existing credit line enough. Which I guess is technically true.
  2. Where did you read this? Because Synchrony Bank is very much a part of Paypal Credit. In fact for me, it literally just became involved in Paypal. (This is strictly for Paypal credit, not the credit card Paypal issues.)
  3. Yep. Been at $30k for about 18 months now.
  4. That's odd. I got a ton of soft pull increases with them. I went from a $500 limit (at the start of my rebuild) to $30,000 today, and never once did I ask for an increase in my limit. They just came automatically, every 6 months, like clockwork.
  5. I was actually asking the OP. Not sure why you felt it necessary to answer for someone else.
  6. Just out of curiosity, why do you need to pull every day?
  7. I can't say for sure, but I would almost guarantee they will pull one more time right before you close. I think what the NFCU agent was saying is they won't pull again for the pre-qual letter during the 120 days. But they will want to make sure before closing that you haven't racked up a ton of new financial commitments right before they are about to loan you a large sum of money.
  8. What does that even mean? If we think what should go unpunished? And please, let us know how that turns out for your employer. Are you saying they received a writ of garnishment from the courts and they are ignoring it? And not to sound rude, but you are out of your mind if you think Capital One has any obligation to "work with you" on any of this. Not when you fell behind, and definitely not now. Why would they? They already have a judgment. Several people here, with a lot of experience in these things, have already told you your best course of action. You can keep saying "they wouldn't work with me" until you are blue in the face, and it won't change anything. And unless there is something amiss with the judgment, or how it was obtained, you are not going to win this one. Period. I know this isn't what you want to hear, but it's the harsh truth. Good luck.
  9. I see no way they will settle with you. The time to negotiate a settlement was before they got a judgment. They hold all of the cards, and have shown they will actively try to garnish your wages.
  10. I'm still on their "no" list after burning them in bk in 2009. When I called, they specifically said it was my bankruptcy. Not that I burned them (implied, however.) So at this point, I will just wait until the bk falls off next year, wait a few months, and try again.
  11. Have you talked to the old roommate? The original amount is $9254. There is a hell of a lot more going on here than 6 months rent @ $635. Sounds like some major damage was done to the apartment.
  12. Did you look at any of the sample letters that are posted here? Did you actually send those letters?
  13. Why would you need to file BK if all of your debt is past SOL? Because I dont want to wait 3 yrs for everything to fall off. I dont know how filing chapter 7 can be anymore worse than my current situation You don't want to wait 3 years for everything to fall off? A bankruptcy will be with you for an additional 10 years. So that line of thinking does not make sense to me. I agree with shifter. You need to focus your energy on the judgment(s) you have against you. I don't know the backstory there, so I can't offer much in the way of advice.

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