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msdivadj

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    midwest credit junkie
  1. Well dh just got back from the final walk-thorugh and apparently they want about 1K. This is after the wear and tear part. The whole place was wallpapered and they want to rewallpaper the whole place. now they had spots that were patched previously, so I am unsure why they are now replacing it ALL. I know my daughter did draw on the wall in her room and I attempted to clean same. Unfortunately, apparently I didn't do a good enough job. they are also replacing some of the carpet, which I can see because again we have a toddler and things get spilled. I did try to steam clean this some time ago to no avail. Dh didn't sign anything so that might help us. I just don't want this to be a case where they wind up garnishing my wages. If I had to go to court i would, but son't want to. Oh and I didn't take pictures and I could kick myself now. Although my lease isn't up until tomorrow. maybe I could ask to go back and do that now????
  2. So long story short, I just moved and will wind up oweing more than my security deposit in "damages." I have 2 kids so it's not THAT surprising to me. At any rate, has anyone been through this? The property manager (or whatever she is - the only on in the office) told dh that it goes right to collections, but doesn't report on your credit for 30 days. Huh? that made no sense. I would love if I had the money and could just pay this off, but I don't. So, what do y'all think will happen? The last thing I want is to have to go to small claims or worse yet get a judgement against me or my wages garnished.....
  3. I have to tell you Cedric, I am not a fan of that answer although I had a feeling. we will be just about a year out when our lease is up. It was 7 so it looks like we have at least a year left - so sad. Our rent is HIGH!!!
  4. We were discharged earlier this year. Our lease (from our apartment) is coming up next year. Just trying to figure out if we have any shot or if we should just re-sign for another year. I realize with the current state of the "market" and whatnot, we might just have to bite the bullet and bide our time.... any advise is much appreciated.
  5. Right now: You're having to file BK with you, your husband, & 1 child. CORRECT That is with your FT income + his PT income (which @ FT will still be less than 1/2 yours now). ALSO CORRECT If that happened bc of emergencies, future emergencies are not completely unreasonable to think about. NOT BC OF EMERGENCIES If that happened bc of poor financial decisions, the best case scenario is that you will not make those kind of decisions in the future. VERY POOR FINANCIAL DECISIONS - BOUGHT 2 NEW CARS TO THE TUNE OF $1100/MONTH Now you want to be able to buy a house. CORRECT BECAUSE I DON'T SEE US QUALIFYING FOR QUITE SOME TIME (OR AT LEAST 2-3 YEARS AFTER I GO BACK TO WORK) WITH JUST HIS INCOME To qualify for your own home, you think that you will need to document your FT income + his PT/FT income @ 65% DTI (gross) or less. HE WORKS ONLY PT NOW - MAKING ANYWHERE FROM $700-1200/MO (SALES) But when you have the baby, you will have his FT income (I AM ASSUMING THE 700*2 JUST TO BE SAFE) & the mortgage loan ($700 WHICH WOULD BE CHEAPER THAN OUR RENT NOW). & your actual take-home pay will be not even 50% what it is now (ALSO CORRECT). In fact, if I'm figuring this right since you didn't give us actual #s, at best it is probably going to be 40% what it is right now. But you will have 1 more child, too. THE FACT THAT WE HAVE 1 MORE CHILD DOESN'T REALLY MAKE OUR EXPENSES GO UP THAT MUCH. I HAVE LITERALLY EVERYTHING I NEED FROM LAST TIME, WE ARE CLOTH DIAPERING AND THERE IS NO CHILDCARE COST SO THE ONLY COST IS GOING TO BE FORMULA While I totally appreciate and understand where everyone is coming from I am just trying to look out for my family long term; and I feel as though I am being flamed here (good thing my skin is thick). If we can get a mortgage for less than we are paying in rent right now, then that seems to be a good thing. Even WITH the added costs of a house, I am not worried since I have a 401K that I can tap into once I quit my job. Also, we are saving up that extra money (that was going for those dumb cars) and we will have that cushion as well. Unfortunately not knowing how much he will be making leaves me to believe that no lender will ever lend to us for anything other than a trailer (and maybe not even that) based on his income (if we lowball it at about $24K) correct me if I am wrong on that. After the bk we will have NO DTI. well except for rent and utilities. We have gone cash only and plan to continue to do so. With the exception of getting one card to help bring up our scores. We already have a car (paid for, a to b-er) and will NOT be buying new again; I have learned my lesson on that one.
  6. oh yeah - the whole reason I am thinking this is so that we can utilize my income for getting our loan before we don't have that income anymore to document for a loan
  7. OK so here is the short version of the situation. We are planning to file bk - should be discharged within 2-3 months from today. Right now, I work full-time and hubby works part-time. Due to stress at my job basically taking it's toll on me I will be quitting next year; AFTER I have our 2nd child (recently found out we're pregnant with #2 after 2 years of trying - again, high-stress job). so the problem is this - I am starting to freak out that we'll never get a house because his income (even oncle full time) will be less than 1/2 of mine. SO I am wondering if there's SOME way we can get a loan like VERY soon after BK so that we'll have a house and what we would have been paying in rent (about 800/mo) we can pay towards a house. I couldn't care if it's a dump since I am the handy one and since I will be home I will have the time to fix it up (well amidst diaper changes, naps, etc.) SO what are your thoughts? anyone? Hubby thinks I am crazy by the way, but since I am going from being the breadwinner I am really starting to freak out about it and worry about us renting forever
  8. D'oh - MODS = please delete I meant to post in BK forum
  9. ok so here's the thing, I am filing BK shortly - about a month. (it really bites to have to PAY for BK when - hello!- you're broke) at any rate, one of the questions my atty asked is whether we've always filed/paid our taxes on time. Well yeah, sort of. State and federal - yes. City? Not so much. I fell awful and I feel like I'm going to go to some sort of debtor's prison for it. I have ahem, never filed city taxes. YIKES. I know, I know, I should have known better, but I didn't. So here I am about to file and I want to tell my atty this and straighten it out, BUT I don't even know where to begin. I have moved SO much it's ridiculous. Literally I have moved 6 times in the past 2 years alone. I am wondering if any of this debt (assuming I owe - and knowing my luck, I would) can be included in the BK. Alternatively/or in addition to, I'd like to START filing/paying, but am so afraid my previous non-filing would be found out and off I go to debtor's prison
  10. I opened a checking account awhile back with BofA - well then I had direct deposit. NOW I do not. NOW they are offering a checking account with NO fees and no direct deposit or min balance requirement. NOW they won't convert my account to the "free" one and I am being charged fees. What a crock. anyone else having this problem?
  11. just a quick question - does it seem to make any difference if it's a STATE tax lien?
  12. thanks guys. I will get this blue shirt out today
  13. bumping as I need to get this out this p.m.
  14. first one was ME THEM DATE CRRR#____________ Re: Acct # *********** To Whom It May Concern: This letter is being sent to you in response to your recent communication. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Ohio and Federal Statutes. In addition to the questionnaire below, please attach copies of: - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. - Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, MOI Debt Validation Form Questionnaire to be returned : Account #: ____________________ Original Creditor's Name: _________________________________ Name of Debtor: ______________________________________ Address of Debtor: ___________________________________ Balance of Account: __________________________________ Date you acquired this debt: _________________________ This Debt was: assigned ___purchased___ Please indicated any credit bureaus to which you have reported on this account: Experian ______ Equifax ______ TransUnion _____ first was sent 30 days ago (as of tomorrow)

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