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MBgratitude

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  1. Odd. I have never had ChexSystems ask me for a notarized statement. I have had old addresses removed- simply because they were temporary-use or I simply did not want old ones appearing any longer. I would state that they were "errant". My mantra: the less people know about you- the better. When writing Chex, I have always listed my Consumer I.D.Number as appearing on prior communications from them. They have always been nice to work with. Early Warning Services (EWS), not so much. This said, if they want a notarized statement- go ahead and do it. A notary fee is usually only $10.00 or so. Best, M
  2. Woodforest will take someone who is on ChexSystems, depending upon the severity of the reporting. They do have presence in Virginia. https://www.woodforest.com
  3. The mis-use of this word annoys me deeply: "anniversary". i.e. We are celebrating our two-month anniversary. Anniversary refers to annual. From the Webster dictionary: Middle English, from Anglo-French & Late Latin; Anglo-French annuel, from Late Latin annualis, blend of Latin annuusyearly (from annus year) and Latin annalis yearly (from annus year); probably akin to Gothic athnam (dative plural) years, Sanskrit atati he walks, goes First Known Use: 14th century
  4. "Supper" does the same for me. I think they eat that in Mudland. Yes, "supper". I have always loathed that word.
  5. Question: If one files a Chapter 7, will ChexSystems completely remove you from their system or just note each account showing as a zero balance owed? Specifically, accounts that show erroneously as: "suspected fraud", "account abuse", etc. Thanks! MB
  6. That happened to me a few years back. I had applied in a branch, the CSR ran TeleCheck on me during my application process- I was approved for a checking and savings account. Two days later- my account was closed due to their back office pulling my Early Warning Systems (EWS) report.
  7. Hello, I ran across the following article on myfico.com... seems to be very legitimate way of rebuilding one's credit score to 700+ post-bankruptcy. Please see: http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/m-p/1384075/highlight/true#M9218 If anyone has a successful plan that they have followed, kindly post. I am currently preparing paperwork to file my Chapter 7 Bankruptcy case; I plan to use this method post-discharge to rebuild my credit. If I posted this in the inappropriate place, I apologize. I am new and am still navigating this board. Best, MB
  8. I concur with everyone here! Mary, you are the best! I simply cannot articulate how deeply thankful I am for all that you have done. I will hold good thoughts for your healing- may you get well soon. This is MBinCA from the chexsystemsvictoms board; so nice to see many familiar "faces" here. Warmest, MB
  9. Nice! Love it! I am getting ready to file a Chapter 7 case... it will feel so good to give collection agencies a case number when they call me. Heck, there are a few debts that are way beyond the Statute of Limitations (SOL) I am listing as well- just for good measure.
  10. Hi MCA, Question: If one files a Chapter 7, will ChexSystems completely remove you from their system or just note the account as a zero balance owed? Specifically, accounts that show erroneously as: "suspected fraud", "account abuse", etc. Thanks! MB
  11. ColoGirl, Your family and you will get through this! The one point that concerns me are the timeshares. Timeshares are notoriously difficult to sell. I know of cases where people were not able to give them away. Where people would walk into a timeshare office, tear up the deed, throw it in the agent's face and still be responsible for taxes and maintenance fees. My wife was willed one by her late grandparents. It was a financial albatross for her for seven years. Eventually, she got the company to accept the deed and not hold her responsible for the assessment throughout the years. Just to be on the safe side, we are losing them in our bankruptcy to make absolutely sure the debt is dead and buried! Your solution, at least for the timeshares would be to find a comply that specializes in helping people get out from under their timeshares. They do charge a fee yet many do guarantee their commitment to help. Warmest, MB
  12. Hello again Mskari, Here is what I had recommended that you do regarding getting a list of your debts together. Again, I speak from experience... my wife and I are in the process of filling a Chapter 7 case. For instance, a way that you may choose to list your debts are: Type: Consumer Creditor: Costco Account Nos. #########-##### and ############-##### Amount: $760.47 Address: Union Adjustment Co., Inc. P 0. BOX 4270 Burbank, CA 91503-4270 Type: Utility Creditor: Time Warner Cable Account No. ################## Amount: $870.71 Address: ATTN: Bankruptcy Dept. P.O. Box 60074 City of Industry, CA 91716-0074
  13. Hello Mskari, Welcome to the board! I agree with to aforementioned comments to seek bankruptcy counsel. Before doing this, I would highly recommend filling doing up an Excel sheet or Word document with a matrix of your creditors, i.e. Creditor's name/ address, account number, current balance, date opened/ date last used, closed, charged-off, assigned to collections, etc. This will help both you and your attorney going forward. If anything, it will be an organized way to hold a discussion with him/ her as opposed to walking in with stacks of statements. The following, I cannot stress enough: keep your banking relationship clean! Have a bank account active that is not overdrawn or will threaten to close for a prolonged negative balance. It is very difficult to navigate life without a bank relationship- I speak from experience. There were times that I did not eat for two days as opposed to overdrawing my account or floating a check I knew would bounce. You do not ever want to deal with check-cashing places and prepaid cards. O.k., I am getting off on a tangent here... that is a whole other topic area. May I ask, where do you live? If you live near a university law school they often have pro bono (free) legal clinics that will assist, even represent you, with a bankruptcy filling. You will get through this, trust me. Focus on the positive: you have a Mom and boyfriend that have helped you! Focus on what you have, not what you do not. Keep that mindset consistent and you will have abundance going forward. Warmest, MB
  14. Hello, Happy to be here! Question: is this the appropriate section for newbies to post an introduction thread? If not, my apologies. I am in the process of preparing records to file bankruptcy along with my wife: Chapter 7. The plan is that we are going to file our case pro se, then obtain an attorney to complete a majority of the paperwork/ schedules and show up for the 341 Hearing. My primary interest in joining is to contribute what I have learned over the years dealing with creditors and credit bureaus; to pass along my experience so that others will not make the same mistakes I have. Of course, I am also here to learn from you fine people as well. I am also interested in bank relationships and privacy issues. Most recently, I was a member of chexsystemsvictoms.com until the site went dark a few months back. My wife's and my financial house deteriorating has been a long time coming for a plethora of reasons. Specifically: poor planning, inconsistent employment history, being self-employed with periods of no receivables, lack of savings, etc. Our combined debt will be somewhere in the neighborhood of 325K that we are discharging. We also have about 30K in personal loans from friends and family that we are either not going to list or list and then re-affirm those debts. Hope that there is no judgement here yet it is one thing to absolve a debt to a financial institution. It is another to stick it to friends and family... I simply will not do that. With respect to the debts we are discharging, interestingly only about 30% is appearing on our credit bureaus (active, closed, charged-off, assigned to collections, etc.). We are curious if the remaining debts will appear on our bureaus once we list them on our matrix of creditors and file our case. Our plan post-dischage is to begin to re-build our credit histories and of course never make the same mistakes again. Warmest, MB

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