Jump to content


  • Content Count

  • Joined

  • Last visited

Everything posted by tiggerlgh

  1. Call and talk to them tomorrow.
  2. Are you looking at your paper reports?
  3. I would call and talk to them. Despite what your OP says I think you already know you were playing on a razor sharp edge paying that late, and you were very close to 30 days late. ETA: it may be because as if 3/1 you owed 2 payments(Feb and March). But I would call and talk to them.
  4. What date does the statement show it was applied? If you pushed it from your bank it may have taken a day or two to get to the mortgage company depending on how they send the funds. I am not saying you are wrong just need full picture.
  5. Do you have proof of your payment?
  6. What time on the 28th and was it a Friday? Many companies will communicate that any payments after xx time will be posted the next day. Also how did you pay on the 28th?
  7. This is also true. Need more information for sure but still stand by calling servicer to better understand what they did and why.
  8. Call and talk to your servicer. It may be a very easy fix
  9. I was no where near the cut off when I bought last home so it had no affect on me but I had called the cable company same day as closing and they had a hard pull. As a result I had to write a quick LOE for the file on the hard pull. They weren’t concerned about it but now I do wish I would have just waited.
  10. It’s never okay for either sex to leverage their income. Buts just sad that so many men can’t handle a woman making more than them. I have dated guys that make less than me. And while it wasn’t the cause of the breakup they were self conscious of the fact. And they didn’t know how much I make just knew based on my role.
  11. There is. And that is a ton of debt for an educator. Some has to be private. The max for grad/doctorate is around 135k. Also I would never count 100% on the debt bring discharged. To much can change In Washington. Either way OP you are s long way from buying a house.
  12. ARMs never went away! Payment Option ARM did mostly but not regular ARMs. Very different vehicles with similar names.
  13. Better question for the credit forum. Need more background on you. Are you currently in BK13? What’s your score:baddies?
  14. What do you owe and what is it worth? What is your interest rate?
  15. Did you get the car fixed yet? Or how did this part turn out?
  16. There will likely be late fees as well. Most auto loans are daily interest therefore you pay late you owe more interest plus (interest is added on every day) after x days a late fee as well.
  17. We are not saying they are a good company at all. But what I was pointing out was most complaints are from people behind on their payments. I.e. “How dare they charge me fees or call me because I am late, etc.” You will probably have a better experience if you keep it current. Plus you or you friend never want t be late post BK.
  18. Read the contract to see if there is a prepayment penalty. You won’t likely get a prime lender during BK. And I would bet most of the complaints are from people who got behind on their payments.
  19. Using points/miles this summer to fund my flights to Europe and all but one hotel night. No issues for me and I have done 5his multiple times. Just takes planning which she didn’t.
  20. There is no requirement they call you. Do you get paper or electronic statements for this account. I would be shocked if you didn’t get a statement showing the amount due. I do agree you can try for goodwill but put it on yourself not them.
  21. OP needs a lawyer that specializes in back taxes and won’t find their answer here. And definitely won’t get advice on how to hide assets. They have already committed crimes by not filing don’t compound it. But they clearly had income to owe the IRS over $100,000. This debt isn’t going anywhere soon. The only one I feel (slightly)bad for is OPs brother but they allowed the transfer of debt. I never would.
  22. You have to over a year in a 13 to get a mortgage during it. You can’t gel one right away and it requires trustee approval.
  23. HAMP stopped a few years ago. But if you weren’t paying your full normal payment you were late. Your loan terms didn’t change until the mod was complete and signed.
  24. How does that pay your mortgage off quicker? Also imo a HELOC is a form of a mortgage as it’s a lien on my home.

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
  • Create New...

Important Information