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willwgp

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  1. willwgp

    Budget

    Thank you very much for the sound advice! Sent from my iPhone using Tapatalk
  2. Can you do this prior to getting anything placed on report such as liens and so on? Sent from my iPhone using Tapatalk
  3. Soooo how do they prove to me that they are legally allowed by Citicard to attempt to collect? Sent from my iPhone using Tapatalk
  4. willwgp

    Budget

    We did try second job but her income alone wasn't enough to pay for the daycare expenses. I feel for single parents with kids. So what I'm doing now is when the paycheck comes in, transfer whatever was left over from last paycheck into savings. She can't touch whatever I move away and that way she doesn't feel like I'm limiting her, she can see how much is left in account. I'm automating the budget so she can spend what she has. So far we're not arguing and I'm not hounding. Sent from my iPhone using Tapatalk
  5. I got the following through CFPB in a complaint I made where my father was contacted by Atlantic Credit & Finance in attempt to collect a debt and disclosed to him the amount that was owed, he told them not to call him again because he wasn't the person they were looking for, then he called me because he thought it could be me they were looking for seeing as we both share the same name. I then contacted that company to validate the debt through CFPB, and they said they ceased collection efforts and I guess gave the debt on to Midland Credit Management. Can they do this or is it supposed to go back to original creditor before being sold to another collector? I'm lost in the wording. I received a letter today from Midland Credit, instead of sending me a letter stating they were attempting to collect a debt or 30 days to validate the debt, they jumped to the 2nd step of validating the debt, providing about 3 pages making it look like Best Buy, with an account number, balance(s) owed, but no list of real charges or the contract from CitiBank/Best Buy giving them the right to collect this debt. So far this hasn't shown up on my credit reports as a collection, do most collectors contact credit bureaus to add to your report when they're actively collecting a debt from you? I've contacted CFPB again, this time to contact Midland to validate the debt with contract and charge statements. Am I going the wrong way about this or doing OK? It feels that CFPB is working in my favor better than sending certified letters to these companies waiting for responses. I don't feel Midland has sufficient information to show I am the one they are looking for due to the lack of information; anyone could conjure up balances but they need to show statements too shouldn't they, and the contract to collect this debt? Thanks in advance.
  6. willwgp

    Budget

    Maybe you're right. Maybe I'm not doing enough at home. That could make the other person shut down for sure ... thanks for the feedback! Sent from my iPhone using Tapatalk
  7. willwgp

    Budget

    Guys, I'm a single income family man with two kids, third on the way and I need some real advice. What do you guys do to encourage your spouse to stay focused with the greater picture of finances? Because it feels like I'll go to work come back and money is just sifting through like sand on a beach. I'm trying to save but it's incredibly hard when the other person is out of control. Any tips or ideas or advice? I'm trying the 50/30/20 budget but my wife is having trouble sticking with it. Nothing against my wife, just ... I don't know. I love the idea of being able to save 500/month so I can build my savings over the next year and because of these moments, I just can't! And it's discouraging. Sent from my iPhone using Tapatalk
  8. Now why would I DV a debt collector if the debt could potentially go back to OC? One of the OC's closed the account but didn't "charge off." Haven't received any letters from collectors for this account except a junk collector that's been calling my relative and disclosing the amount of debt I allegedly owe which I'm pretty sure isn't legal. Sent from my iPhone using Tapatalk
  9. Ok thank you, I will send this out tomorrow. Sent from my iPhone using Tapatalk
  10. Oh. Ok. So go ahead and send CMRR even though it's the first CA of the OC? Wow I feel like a cool kid using all these acronyms. Sent from my iPhone using Tapatalk
  11. I appreciate your candid response good sir. What you've said is a lot of what I've read. If anyone pursues it they'll pursue it, til then I can dispute on CK. I had a DV written up for one and had it sitting here for a couple days so I may just leave it alone for now. Sent from my iPhone using Tapatalk
  12. Ok it was settled for 4% woohoo Sent from my iPhone using Tapatalk
  13. That's good to know!!! Thanks! Sent from my iPhone using Tapatalk
  14. You might need to go back to the drawing board. I believe back in the day people actually were allowed to use credit cards for down payments. Then they would pay it off later. What I did on my first house, I saved up a lot and socked it the hell away for a couple years. But then I ran into an issue of no credit. This was when their underwriting patched me through some phone calls to recurring bill companies and my payments were surprisingly just about the same than with credit score, a few days before closing I was able to get a credit card and score established so that's how I knew. Anyways I saved up about 20K and put it on a foreclosure, saved up an extra 10k for emergencies as well. Everything did work out. Wish I still lived there but a dude tried to steal my grill and I wanted out after that. Looking back it wasn't worth moving maybe it was but everything happens for a reason! Sent from my iPhone using Tapatalk
  15. Absolutely. In which case I would have to respond depending. Just wondering how common it is to happen. Sent from my iPhone using Tapatalk

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