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PaulieFL

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  1. Hi, Yes BK has been discharged. I sure hope I don't have to do BK to protect myself. What little credit I still have is in good standing. Part of the divorce was that remaining joint accounts balances was to be tranfered to my indv accts. Over 20 K that I have paid off. Don't want to do BK now. This keeps looking worse
  2. Thanks for the reply doodlebugger, I have been losing sleep over this. I am in process of obtaing legal council to reply to the court and put the kabash on the default. The divorce was for me to sign a quit clam deed to her as she wanted the house and got it. Agreement was for her to keep up payments until refi was possible, Refi never happened and My divorce attorney is nowhere to be found. She quit paying and filed chapter 7. BK attorney gained control of the property and county records now show it's now sold to an equity company for 2k Yeah $2000 in 2012. The house is being rented out by the equity co as I see RE ads offering it 6 mo lease. CR says transfered to another office 0 Bal My name is on the mortgage as I included myself at a time it had to refinanced (long story). There is also a LOC involved that I never used that had been run up. (Love to be able to prove that.) I'm guessing even though I had signed a quit claim deed which BTW never got recorded that I'm stuck. I never wanted that house but I included myself and I guess I'm now stuck. I just don't want to be sued for it. I'm reading that in FL after foreclosure they have 1 year to come after me. And if they get a judgement it restarts the SOL? I'm limited on public records to see who's doing what. I noticed this may have not been the right forum to place these questions but not being sued just yet. Thanks again
  3. Hi, Great reading on these boards. Thank you for a great wealth of information. Issue i'm having did not result in search results and i'm getting crunched for time to find some answers. In short I had a divorce 5/10 and wife got house and it was upside down and she could not refi so stopped paying on 5/11. She did BK and many accts defaulted to me as individual except for the house which she had included in BK. Last CR i checked house was sold to equity firm Orig note Wells Fargo Florida. Out of the blue googled my name only to find a legal notice of WF looking for me. An online ad stating I had 30 days to contact Plantiff's office within 30 days (2/2015). I'm not hiding, never got a letter or phone call. Nothing. ANYWAY I pull up clerks website only to find the case last actiivity (7-/15) (going on for a year)has a motion to strike affermative defenses. I'm guessing forclousure is next step and I am in default? Questions are is it to late to respond? Should I respond? Borrow money to Obtain council? If I don't respond, what are the chances WF will get a deffiency judgement? BTW along with this morgage comes another acct of home eq LOC Thanks for your time
  4. Thank you for the response I will need to do a bit more reading one concern is Calvary trying to collect on an acct that I was not aware of. They they are trying to collect on a 10.5k CC BOA / FIA acct on my CR. They have the amount correct but the original acct # is incorect. Can anyone tell me if BOA and FIA could have diffrent account numbers? Don't want to create waves with BOA if I don't have to. Stumped
  5. Hi, Been reading on these forums for a few months now. BTW, Great stuff. Hopeing for a little advice here. I have 4 negatives on my account that is killing me. I think my CR is keeping me from getting a job. Went through hard times in crash and lost house and then more money troubles lead to divorce. Ran CR and later found that not all CC's had been closed and had beeen run up and not paid. Wife did BK and left me with foreclosure, 10k line of credit and a 10k CC and anoher small card. I had pulled my CR 2 years ago and all of these were being paid but all late 180+ Now I see these accounts 2 years later as forclousure joint but all the other accounts had been changed to individual owner status. I don't remember getting this line of credit and even if I did i don't think I could get a loan off my house by myself, It would have to be joint there. Question is what can be done here. Sure would like to make it go away. Already have Calvary Portfilo calling 2-3 times a day. Is therre a way that I can get the CC to find out dates of purchases so I can prove it wasen't me using them? It may be MDW did a BK and erased her name off and they had to name me. I had assumed a lot of the debit on a few personal cards as per a divorce agreement. She was supposed to take care of the home. My layer never did what i had asked and pulled a CR to see that all accounts were straight. Now i'm gonna pay again. Any help much apprecieated.
  6. Hi, Been reading on these forums for a few months now. BTW, Great stuff. Hopeing for a little advice here. I have 4 negatives on my account that is killing me. I think my CR is keeping me from getting a job. Went through hard times in crash and lost house and then more money troubles lead to divorce. Ran CR and later found that not all CC's had been closed and had beeen run up and not paid. Wife did BK and left me with foreclosure, 10k line of credit and a 10k CC and anoher small card. I had pulled my CR 2 years ago and all of these were being paid but all late 180+ Now I see these accounts 2 years later as forclousure joint but all the other accounts had been changed to individual owner status. I don't remember getting this line of credit and even if I did i don't think I could get a loan off my house by myself, It would have to be joint there. Question is what can be done here. Sure would like to make it go away. Already have Calvary Portfilo calling 2-3 times a day. Is therre a way that I can get the CC to find out dates of purchases so I can prove it wasen't me using them? It may be MDW did a BK and erased her name off and they had to name me. I had assumed a lot of the debit on a few personal cards as per a divorce agreement. She was supposed to take care of the home. My layer never did what i had asked and pulled a CR to see that all accounts were straight. Now i'm gonna pay again. Any help much apprecieated.
  7. Been reading up decieded to join as I had some questions. Great forums!

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