
dvd
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$44k in debt - Can I walk away … or borrow $44k against my 401k
dvd replied to gaucho5's topic in Credit Forum
Chapter 7 BK is not an option for you. A Chapter 13 is more likely. Because of your job and assets you would probably have to payback close to 100% of the debt owed. If you walk away from your debt, there is a 100% change you will be sued and the amount they will sue will be for is the debt owed, interest/penalties, and legal. It will mess up your credit far beyond SOL. You have many options for clearing out the debt. 1) budget 2) DMP through a non profit credit counseling service 3) take out a HELOC 4) 401K loan. -
dvd started following Upcoming Amex Green revamp
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I think it is.
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Call Amex and see if they have a Str8 version of the card.
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Have you thought of getting a consolidation/installment loan?
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USAA closed all my accounts with no explanation due to USAA's error
dvd replied to Tumango's topic in Credit Forum
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dvd reacted to a post in a topic: USAA closed all my accounts with no explanation due to USAA's error
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Burdell reacted to a post in a topic: USAA closed all my accounts with no explanation due to USAA's error
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Chances are its a Zombie Debt Collector trying to collect a debt past the SOL.
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https://infotracer.com/lien-search/?utm_source=google&utm_medium=cpc&utm_campaign=court&utm_keyword=maryland tax lien_b
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I'm hoping others, with more experience than I, can chime in on negotiation advice. One thing to note is that I think you are within your states SOL, so you don't have a lot of room to negotiate. Also, are you able to settle for more than 25%?
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You can negotiate a settlement with Midland. Note: The removal of tradeline after settlement with Midland is only removing Midland's collection, not the original creditor, ArtVan.
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Midland has a policy in place where if you pay or settle with them, they will delete their tradeline. No need to PDF with them.
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Midland Funding is one of the collection agencies that will delete their tradeline if the DOFD is 2+ years.
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WhyChat's guide is very informative. I would keep your hopes for a PFD from Chase to a minimum. PFD is nearly impossible from banks and I never saw anyone get one from a bank.
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I would first contact Chase. I bet they still have it. If they sold it they need to update to reflect the sale and zero out the balance.
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Whats the DOFD on the Well Fargo Account.
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You could, although I would call exactly 3 months to the day. It also might be worth a call to find out the exact day they can remove and then call on that day. Somtimes they can remove before the 3 months.