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DumbUserName

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  1. Mike, I've been trying to follow too... see the link that Uber sent; Go to the BW posting, top of page 2; that allusion is made again at the very bottom of P 2, and continues onto the top of P. 3, with one of the "variables" you're looking for. I don't understand the cryptic nature at this point; BUT (1) I respect that guys shouldn't have to post the same things over & over & over... (2) I'm trying to figure out what it is (!) that gets us all to B.
  2. Very good advice here, Kuuner. If you can, anotherlevel, and if you're not familiar with the mediation process, then please do familiarize yourself with the general goals of mediation and structures of mediated results. A wise-guy might quip that "If no one's happy then it's probably the right answer." Walk in with two figures: one that would be your "ideal result" and one of your "lowest acceptable result." Better is better, obviously, but really, anything between the two should be thought-of as a successful result in a mediation.
  3. Lol. Philosophy major. Thanks, Cashnocredit.
  4. Ok then. Thanks for your earlier posts though. As I said, I appreciate the info, all.
  5. My BS detector is going effing wild right now. If you're a Lawyer in Jersey, PM me with details of your practice.
  6. Believe me... I've contemplated a freeze. It's a concern, but there's nothing 'eminent.' ...and I have to think that the more time that goes by, the lesser the risk. But it's always in the background. So, in my mind, I'm either paranoid because I freeze, or I'm paranoid because I'm still thinking about it after 2 years... I believe the golden mean lies in monitoring.
  7. If you're asking me, Its not necessarily EX; it's "anything." The long story is that I wound up working for a... you know. Among other things "fraud" was a forte of his (literally) and since I was employed by him, well, he's got my social, etc. He also didn't pay me partial wages-- almost skimming. Why stay at all? we were working hard; it was a start up; we believed in the biz with or without him... you know, the usual replies. Yeah, shame on me. I have a successful labor claim still outstanding from 2 years ago... and I can't collect because the business "failed." (Imagine th
  8. great; similar costs. Thank you Archimaybe. I'll check that out once my current dispute with TU comes to fruition one way or the other. Can't be any 'worse,' I imagine. And in case anyone's inclined toward Mint Credit, again, I have no real beef with them; just trying to make sure I understand my options. thanks all! I genuinely appreciate your assistance! Keep the good advice & tips coming!
  9. ...I can think of a 'partially pregnant' or two... regardless... Thank you parisamour, but my primary interest is monitoring, not 'technically' the score. Maybe I'm disillusioned, but I think that IF one was going to be getting monitoring, then then it does make sense to get a score, while one's at it.
  10. Shifter & CV9....: Understood, respected, and appreciated... Thanks. What's the better method If I want monitoring with a score for a 'reasonable' fee?
  11. I asked these questions in another forum under a certain pretense, but didn't get a reply. Instead of bumping the thread there, I will ask the direct questions here: I am a subscriber to this service. Once a year, they give me my 3 credit scores; However, they have recently (past year, give/take) merged with Equifax, and thus I get my Equifax score monthly. Is Mint Credit considered a FAKO, or an (at least) "partial FICO" because of their relationship with that one CRA? Anyone aware of the general accuracy? Anyone have actual experiences, pro or con with Mint Credit? I don't
  12. All true, Kuuner. I'm thinking of the amount of time they take to actually act on a default, as opposed to the time that it takes to follow a statutory process. I have a belief that if there were another Lien, especially one with priority status, it may cause them to act faster, thus accelerating the overall process from 'this' point. I do agree that judgements are wiped out in a foreclosure, but again, specifics may vary by state.
  13. it's not the "idea" that you don't want to, it's the "idea" that you CAN'T that's a problem. Here's what Kuuner didn't say: If you can't afford the Mortgage and Taxes (...or Insurance, PMI, HOA fees, whatever) then you can't afford the house. Please, please, forgive me for that harsh review of reality. Again, we've all been in your position, that's how I (and many of us) found this board. Those words aren't a bash, Pencil, it's the truth. Your taxes are a LIEN. Always a Lien. Even for those of us who are current on our taxes, they are still a lien-- it just so happens that the p
  14. Just to elaborate a bit on what Ican said, because it's two crucial points. Whether a "Second" lender has recourse against you when the "first" closes out your Mortgage is going to vary from state to state. In those states where it's possible, the "first" can also go after you for the difference, but they seldom do. They take the house, and that's that. On the other hand, when a "First" forecloses and there's no surplus, the "second" lender is left with nothing. Just for clarity, and as a round number example: You buy the house for 300, have a Mortgage for 250 and a Second Mort
  15. Hi, ColoGirl: I'm here as an salamander, so no flaming here...well, bad things happen too. It's likely a split for ALL of us, right? I just hope that I can somehow repay the community for the advice I receive here. :-) My expertise is in Real Estate. I definitely can't help you completely, but answer these questions and we'll see if we can set you on the right course: Where are the timeshares? How much did you pay for them? How many weeks do you own? Do you owe any money (loans) on the timeshares NOW? (I'm not talking about those monthly/quarterly fees-- goodne
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