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Joe1079

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  1. They are all long past the SOL. I just dont know if I want to sit for another 2 1/2 to 3 years for them to fall off especially if my grandparents are willing to help settle them which is all dependent upon how much on the dollar that will be accepted from each account buyer This is when I start to think about just filing chapter 7 Are you familiar with the pay for delete? Does that work?
  2. I wish there was a way theyd accept .20 cents on the dollar I know thats just wishful thinking! I dont even know if I would be able to do $.20 on the dollar. If I am able to negotiate any settlement pay off with each of these accounts that would be dependent upon a family member helping me
  3. Hi Bob, Im in CA, all the collection/debt buyer accounts on my reports have been reporting for quite some time (years) and the original grantor of these accounts are still reporting them as charged off and sold with zero balances. All my collections accounts are past the SOL
  4. Thank you Genie, I was thinking more along the lines of one payment to a debt buyer for an account to be settled rather than make payments. I wonder if any debt buyers would be willing to put it in writing that they will remove the account completely if its paid off in one lump sum?
  5. Thank you, I thought possibly there was a way to get a debt buyer to remove their account completely from the bureaus if the account was paid off in one full payment
  6. Hi everyone, The more time I spend looking at my credit reports the more I realize that if someone who doesnt know me was to run my credit, theyd probably look at all these collections accounts and decide right then and there they dont want to do business with me. I have $25,000 in closed collections/debt buyer accounts that are all scheduled to be removed from my credit reports in early 2021. Hypothetically speaking if I was able to come up with finances to settle each debt do you think Id be able to get the debt buyers that own these accounts to take 60% off and also completely remove the entire collection account from each credit bureau? Are there some debt buyers out there that will settle for more than 60% off of the debt??
  7. Thank you cv91915 and Morpheus1967! And shifter and cashnocredit, and everyone of you that have replied, you are all extremely helpful. Its so stressful especially at times when trying to find a place to rent. Later today Im going to post the details of my judgments and see what you all think. So far with the little homework that Ive done regarding vacating a judgment, possibly my disability impairments alone will be grounds for filing a motion to vacate the judgments. Thank you all again very much for your replies and help.
  8. I dont own anything at all and the little I do have is exempt. Its just the thought of having an unsatisfied judgment with the possibility of being renewed is scary What Id really like to do is file a motion to have it vacated or set aside and then contest it. I just dont know what kind of an attorney to talk to. Then again it seems like a chapter 7 would help me majorly especially with the judgments too.. You stated here https://creditboards.com/forums/index.php?showtopic=611974&p=5732684that you weren't properly served on the suits that resulted in the judgments. Are you focusing on that? If I am not going to file chapter 7 then focusing on vacating the judgments will be my main priority. I would just have no idea where to find an attorney and what that would cost. But on the other hand the thought of wiping over a 100K in collections accounts, charged off closed accounts, and judgments would be a lot of weight lifted off of my mind.
  9. I dont own anything at all and the little I do have is exempt. Its just the thought of having an unsatisfied judgment with the possibility of being renewed is scary What Id really like to do is file a motion to have it vacated or set aside and then contest it. I just dont know what kind of an attorney to talk to. Then again it seems like a chapter 7 would help me majorly especially with the judgments too..
  10. Why would you need to file BK if all of your debt is past SOL? Because I dont want to wait 3 yrs for everything to fall off. I dont know how filing chapter 7 can be anymore worse than my current situation
  11. I thought I put it out of my mind since my debt is all passed the statue of limitations and will be falling off my credit reports in three years or less, but now Im starting to think again that filing chapter 7 bankruptcy is my only way out I just dont know what kind of financial advisor or attorney to talk to. I hated the feeling that I had talking to the legal aid at the bankruptcy attorney office last week.
  12. Is it bad to close an unsecured credit account? Do those eventually fall off? Is it even worse if the original grantor closes it while its in good standing and paid as agreed? Do those eventually fall off too?
  13. Thank you IvyMgmt! I was thinking the same thing as far as renting from someone private and possibly offering rent in advance. Like a certain amount of months upfront. But even then owners are skeptical
  14. Does anyone have any suggestions on how to approach a property management company or potential landlord when trying to rent with bad credit? For the majority of my life Ive had excellent credit and above average paying jobs. I never realized until now that Im in this position just how important good credit is
  15. Thank you everyone for your replies I appreciate it.

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