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four20nik

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  1. Welcome to CreditBoards! Come on in and make yourself at home. You're in a mansion of information! It's a big, big place and we're here to help you find your way around.Some helpful tips:Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.If you haven't yet, take a peek at at theNewbies Section. Everything that you need to know is in that forum, for the most part! It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!Please read the stickies that are pinned in the top of this forum. You will find general reference information pertaining to the forum, as well as important announcements from the CB owners. For reference purposes, we have a Database Forum where you can find various caselaw, state law information, letter templates, and general reference material. This information can be very helpful when it comes research that pertains to consumer protection.If you find that someone is discourteous to you, use the REPORT button at the bottom of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum.The Search function can also be a wonderful resource to find more specific topics. The archives cover alot of material and often times, you may find additional information pertaining to your questions.If you are having difficulty finding something, navigating, or have any other questions, please feel free ask for help. That's what we're here for!!Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breezeCB Mods: CargoJon, Chris in CA, cotterpin, CramItCCCAs, Cristy, fla-tan, hardpull, MarvBear, pryan67, psp, stealthmidget, Stryker, yourguide, ZeRo_C0oLForum Leads: Brian B The Loan Professor, cedski, DallasLoanGuy, four20nik, hoapres, hurricanesfans27, Lighthouse84, Linx04, Neen, orangecrush, Peekaboo, TeeSharice
  2. Welcome to CreditBoards! Come on in and make yourself at home. You're in a mansion of information! It's a big, big place and we're here to help you find your way around.Some helpful tips:Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.If you haven't yet, take a peek at at theNewbies Section. Everything that you need to know is in that forum, for the most part! It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!Please read the stickies that are pinned in the top of this forum. You will find general reference information pertaining to the forum, as well as important announcements from the CB owners. For reference purposes, we have a Database Forum where you can find various caselaw, state law information, letter templates, and general reference material. This information can be very helpful when it comes research that pertains to consumer protection.If you find that someone is discourteous to you, use the REPORT button at the bottom of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum.The Search function can also be a wonderful resource to find more specific topics. The archives cover alot of material and often times, you may find additional information pertaining to your questions.If you are having difficulty finding something, navigating, or have any other questions, please feel free ask for help. That's what we're here for!!Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breezeCB Mods: CargoJon, Chris in CA, cotterpin, CramItCCCAs, Cristy, fla-tan, hardpull, MarvBear, pryan67, psp, stealthmidget, Stryker, yourguide, ZeRo_C0oLForum Leads: Brian B The Loan Professor, cedski, DallasLoanGuy, four20nik, hoapres, hurricanesfans27, Lighthouse84, Linx04, Neen, orangecrush, Peekaboo, TeeSharice
  3. Welcome to CreditBoards! Come on in and make yourself at home. You're in a mansion of information! It's a big, big place and we're here to help you find your way around.Some helpful tips:Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.If you haven't yet, take a peek at at theNewbies Section. Everything that you need to know is in that forum, for the most part! It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!Please read the stickies that are pinned in the top of this forum. You will find general reference information pertaining to the forum, as well as important announcements from the CB owners. For reference purposes, we have a Database Forum where you can find various caselaw, state law information, letter templates, and general reference material. This information can be very helpful when it comes research that pertains to consumer protection.If you find that someone is discourteous to you, use the REPORT button at the bottom of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum.The Search function can also be a wonderful resource to find more specific topics. The archives cover alot of material and often times, you may find additional information pertaining to your questions.If you are having difficulty finding something, navigating, or have any other questions, please feel free ask for help. That's what we're here for!!Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breezeCB Mods: cotterpin, CargoJon, CramitCCCA's, fla-tan, MarvBear, psp, pryan67Forum Leads: TeeSharice, OrangeCrush and Four20Nik
  4. Welcome to CreditBoards! Come on in and make yourself at home. You're in a mansion of information! It's a big, big place and we're here to help you find your way around.Some helpful tips:Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board.If you haven't yet, take a peek at at theNewbies Section. Everything that you need to know is in that forum, for the most part! It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no time, you'll be posting like the pros!Please read the stickies that are pinned in the top of this forum. You will find general reference information pertaining to the forum, as well as important announcements from the CB owners. For reference purposes, we have a Database Forum where you can find various caselaw, state law information, letter templates, and general reference material. This information can be very helpful when it comes research that pertains to consumer protection.If you find that someone is discourteous to you, use the REPORT button at the bottom of every post - that will ensure that a moderator or admin looks at the post and decides if it is against the TOS. Off -topic posts should go in the General Forum.The Search function can also be a wonderful resource to find more specific topics. The archives cover alot of material and often times, you may find additional information pertaining to your questions.If you are having difficulty finding something, navigating, or have any other questions, please feel free ask for help. That's what we're here for!!Again, welcome to the CreditBoards family! CB Admin: LKH, Pam, radi8, breezeCB Mods: cotterpin, CargoJon, CramitCCCA's, fla-tan, MarvBear, psp, pryan67Forum Leads: TeeSharice, OrangeCrush and Four20Nik
  5. There has got to be a common factor. About a year and a half ago...I remember chase had sent letters to MANY consumers stating consumer data had been "thrown out" and despite all attempts, could not be retrieved. Not saying that this is the link...but literally, it could be anything that could link various people all over the world. As far as the urinary olympics in this thread...I promise, OC will win, lol. TY OC for alerting all of us. In addition to protecting our accts....please let us know how the cc companies are handling the charges as far as reversing them, etc. This has not happened to anyone I know or myself...but knowing about it and making sure consumers can follow up on it is very very important.
  6. Someone using TX jurisdiction for TFC must consider that there are separate issues when it comes to an OC acting as a debt collector versus an actual CA. An OC IS INDEED covered by TFC....but only when it comes to some portions of it...specifically the "prohibited collection practices". An OC may not violate any of the prohibited practices. FDCPA, of course, is limited to third part collectors. Also...ANY PERSON is prohibited from knowingly reporting false info to a CRA...including the CRA themselves. Of course, this is also part of FACTA...but when pursuing legal remedy, mixing fed and state laws doesnt work. The part that does NOT apply to TFC with regards to an OC is the part about the validation. While we are the only state that demands a response to a DV from a third party collector within 30 days...this portion does NOT apply to OC's. However...read the latter portions of the FACTA, which include provisions for a consumer to dispute with an OC IF the consumer has merit to do so. Also remember that there are remedies provided within TFC...ranging from criminal misdemeanor charges (iin the hands of the AG office) to possible causes of action using DTPA laws, pending proper course. This is where the treble damages can come in. Anyhoo...hope that helps some. Sorting out TFC can be difficult...the hardest thing being not crossing which portions apply to OC's, CA's or both OC's and CA's.
  7. It's been on all afternoon...latest police update from HPD... The gunman was a contractor, not an actual employee. 1 hostage (a male) died early on in the standoff (1:30 or so CST)...more gunshots heard about 30 minutes ago...and they believe that is when the gunman committed suicide. They believe the weapon to be a revolver. 1 hostage was not hurt...but she was bound with tape. Interviews with the gunmans neighbors (amazingly the news has already located his identity, residence and background) say they are shocked and that although he never had company at his home, he was a sociable guy and frequently conversed with his neighbors.
  8. While not exactly dirt cheap, $900 does not get much of a house in many parts of the Austin area. It gets almost a half a month at the least expensive of the five lease homes that appear in my zip code when I ran a capped search (capped at $3K per month). If I take the cap off, I can find a few other properties, including one that is on Lake Austin at $7500 per month with a boat dock and another that sits at roughly $5500 on a sublease for six months with owner permission. Isnt it amazing what a small incremental jump will get you???? going from 2k to 2300 can be huge. When I first moved to Austin in 2000....rented an 1100 sf apartment in Lakeway for 1300/month. It was a steal at the time.
  9. This is SO sad....beyond that. The innocent lives lost. It would not surprise me if the parents did try to commit suicide. In Asian culture, the worst travesty that can be committed is to shame your own family, regardless of how it is done. His parents came here to seek a better life for their children. They tried to blend him into a completely different society, yet also kept to the traditional ways, which in and of themselves are a total conflict and is only exaggerated when the conditions for mental illness are just right. There is a HUGE cultural difference...and what is encouraged in your culture (talking/expressing feelings) is discouraged in ours (prideful silence) as a sign of weakness and low status. Yes, although I am only half Korean, I was born and spent much of my childhood there. I can completely understand the turmoil that one could start to feel. I am so saddened by the lost of these young lives...and am also hurt by the level of pain this person was experienceing to carry out this tragedy. Can anyone imagine how much suffering went on to cause this? To him, the suffering was real. I am in no way standing up for his actions. It was beyond wrong and incomprehensible evil. But...I am saying that, as a compassionate human, it indeed takes great pain from within to carry out an act as horrible as this was. Pain that will leave it's mark, not only on the innocent victims and their families, but on his own family as well. We can all point fingers and blame...but at days end, the important thing is to remember the souls that were lost and build on anything positive that can come from this.
  10. OMG...getting poo'd on by a bird is a DAILY occurance for me. I have a flock of various species of finches, a parrotlet, and a black-capped Lory. FOr those of you who know about the diet of Lories...you can only imagine. Frankly...as twisted as it sounds, I'd rather deal with bird poo than DH's dog crap.
  11. Please try to keep politics and other violations of TOS out of this thread. The political issues, racial insinuations, and other crap needs to stay out. Adding to and inciting each other's emotions does this thread or the board NO good. PLease, there are enough emotions that come with tragic news like this. Let's all remember those who are touched by this awful event and drop the speculation of unrelated matters as well as each stance over topics like gun control, etc. Thank you in advance for your cooperation. I'd hate to see the thread closed, as the topic is MUCH bigger than the squabbling that is starting. Again, prayers of strength and hope to everyone.
  12. Over the years...this week is a bad week...OKC bombing, Columbine...I THINK Waco happened this week too. Dialup is too slow to check the specific dates...but now this. Awful awful. Lots of prayers go out to the victims and their families. What a sad sad, senseless occurance.
  13. If you didnt file bk, I can move this to the credit forum. Just let me know.

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