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Everything posted by tiggerlgh

  1. They can charge interest on the judgement. You need to get to the courthouse to get the full file. Difficult states have different allowable ways to serve.
  2. SOL is an affirmative defense if they sue. In most states they can try to collect forever, but can’t sue you for it.
  3. They report your total payment due which includes PITI (principal, interest, taxes and insurance). They are reporting accurately. Mortgage payments are usually more than just P&I. Which for some reason is all many focus on.
  4. This is similar to one I read the other day. They were complaining they may lose their home to foreclosure as they went three months behind on their mortgage to buy Christmas gifts for their kids and hoped to catch up in January.
  5. As CV says a commercial line of credit is very different than a residential mortgage. No way to tell the requirements there and as it sounds like your friend is renting and doesn’t own it they can’t tell either.
  6. Do they have a mortgage on the house or is it paid off? Odd the fire club owns it but rents it out?
  7. It’s better. Still more than I would put in there. I would keep it more to your own responsibility not outside factors.
  8. I like that song! But in all seriousness no you can’t tear down the home especially without bank approval and the paragraph CV poster is pretty standard. I don’t think lead pair remediation would apply to be able to year it down
  9. I would skinny this down. I also wouldn’t mention loss in value as a reason for default.
  10. CV the lates won’t be on the credit report as most banks do not report payments good or bad after BK. But I would be surprised if they aren’t on a VoM.
  11. Send them documentation it was paid in full prior and the lien was released.
  12. I think it’s a long shot. TCPA doesn’t affect credit reporting.
  13. Be honest and keep it as short and simple as possible.
  14. It may be best to actually get the trustee approval while in the chapter 13 for the loan than after discharge.
  15. You are talking about committing fraud and asking the ramifications. To me that’s promoting but use what ever term you want, you have the answer to your question.
  16. A fraud alert will likely be out on your credit report. That is how your other creditors may get scared. Either way what you are talking about doing is fraud and is not promoted here.
  17. Actually Inquiry will likely show the company they used to pull the credit from not the complex
  18. They keep updating it monthly as a C/O it sounds like. Yes they can do that.
  19. I see both sides of this one. Maybe there should be more penalties for consumers to make sure they keep their contact information up to date so randoms don’t get collection calls.
  20. Doubt there is much you can do but you can try a goodwill letter. To be 30 days late means you had missed two payments. I would set up all your accounts to have automatic payments for the min due going forward then go on and manually pay the rest.
  21. I agree I missed that part of the OP. Upfront MIP is 1.75% no clue what the other 1.25 can be. I would shop around if I were OP.
  22. What is your DTI? I am guessing since OP doesn’t give much information they are right on the DTI line and need to lower the mortgage payment to be in line. So the brokers are suggesting you pay the points. To lower the rate to get them in line. There are no government standards for rates. Hopefully OP comes back with more information and we can help.
  23. Don’t lose clearance over 12.50. Just pay it, the risk is greater than the reward in this case.

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