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Fustrated

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About Fustrated

  • Birthday 02/18/1950

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    Central Texas

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  1. Lately I've been hearing about the new rule where medical collections will no longer affect your fico. Is this true and what's all the hype about?
  2. I'm 67 years old and owe about 23,000 on my house that's worth about 125,000. Is there a limit on the percentage that I can get in lump sum? I'm not interested in leaving my house to my heirs but I do want to keep it until my wife & I die. What do you experts say about this option?
  3. Current conditions: Mortgage Principal was $54,700 on 3/18/2008 @ 5.875% fixed for 15 years and my FICO was on the mid 500's Payment (P/I) is $426.00 (Matures April 2023) Now my score is a little above 700 and I was wondering if I could get a better rate with no closing cost & approximately the same payment and pay off sooner. House value a little over $100,000 Any Advice? Thanks!
  4. I Applied for auto loan at dealer and now have 7 inquiries! Will this effect my score and if so, how can I get 6 of them removed. I accepted 1 of them. Nor was I told that there would be multiple inquiries.
  5. I Applied for auto loan at dealer and now have 7 inquiries! Will this effect my score and if so, how can I get 6 of them removed. I accepted 1 of them. Nor was I told that there would be multiple inquiries.
  6. What are the scores required for 0% financing? Any ideas?
  7. I have 715+/- across all 3 FICO's and am looking for new Prius (2015) with a minimum down payment. Where is the best place to start and what should I expect?
  8. I would argue that they DID make contact...they made a phone call, the consumer picked up their phone...and a piece of equipment they own or are responsible for communicated with him... if they wanted to make final contact in relation to FDCPA, they could have had someone answer the phone... If they claim that they did NOT make contact with him because they couldn't be sure that the person listening to the message was the alleged debtor, then they're admitting to third party communication Im not saying that your argument is not a good one, but why even leave the possibility of an argument? The message OP describes wouldn't violate 3rd party disclosure, but would violate Foti. Im not defending the CA, just helping OP make a stronger case. The debt is 8+ years old. They can't sue. They can't report. I'm just trying to make the damn phone stop ringing. If I can get $1,000 and make the phone stop ringing, so much the better. I refuse to change a phone # that I've had for 20 years and pay extra to have it unlisted just to stop the phone ringing! I sent them a cease & desist. If there was a human on the other end I would use a whistle in their ear. The only thing left as far as I can see is to send my request via a law suit. Anyone know any attorneys what will take a contingency?
  9. I'm working on suing two or three JDBs right now. I have a lawyer helping me because things got tricky once I got their suit against me dismissed. The reason I'm posting, though, is to address the $1000 per violation myth. It's $1000 per violating defendant per lawsuit. For example: a JDB and their lawyer both had multiple violations against me. I asked my lawyer if I could get $1000 x each violation x two people in my lawsuit against them. He replied no, it is $1000 x two people, tops. In theory I could possibly make each distinct separate violation into its own lawsuit but that would carry individual court costs, filing fees, etc for each one and each suit would risk win/loss. So, it's $1000 per violation lawsuit per defendant. (By the way, my lawyer took my suits on contingency. He'll get paid by the other side if we win anyway, so I didn't get charged anything up front. The key is, he doesn't take any cases he doesn't think he stands a good chance of winning. I had to email four different lawyers from the NACA website before I found one who would listen to me, but it ended up being well worth it. If you think you have good evidence of the violation, run it past a lawyer. If it's a solid case, they'll take it on contingency and you'll get your grand in the end.) I've gotten daily calls for over a week after Allied Interstate received my Full Cease & Desist letter CMRR. These calls are on a debt well over 7 years old. Which court is proper? Since I live in Texas, JP court has a 10,000 limit (I think). Is this a sufficient place to file or do I have to go the Federal route? You can only sue for max stat. damages in the amount of $1,000..... Can you prove actual damages to obtain more in relief? Also, IMO, the issue is muddy until you provide the exact language you used in the C&D...... The CA can call you once after the C&D to inform you of their compliance with your request, or too inform you of their intentions moving forward... But, a judge might say the calls were abusive in nature..... Who knows? Just answer the phone, make sure they are calling about the debt you wrote the C&D for..... If they are calling in regards to said debt, note the call and any subsequent calls from them....... <------- That will make your complaint a lot stronger. I answer the phone each time that they call. All that I get is a recorded message telling me to call 866-398-3991 to discuss my account. No human, just a message. They ignored my letter below. It appears that they think that they are above the law. Certified mail #: xxxx xxxx xxxx xxxx xxxx Alleged creditor: Walmart Business Notice to Cease Communications Dear Sirs: This is to advise you that pursuant to the “Fair Debt Collection Practices Act” (FDCPA) 15 USC §1692C©, you are herby notified to immediately terminate any contact with me, or any members of my family or household, regarding any matter concerning the collection of a debt you allege is owed to your company or to your principal/customer/client, the original creditor noted above. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. You are advised that I simply wish you to cease ALL communication (mail, phone, or other) with me or any member of my household. This includes my place of employment. I do not admit liability on the alleged debt. I just want you to stop contacting me. I intend to keep a log of any contacts that you make after today. I am aware that further communications and or violations of the above referenced act including but not limited to reporting account information to any credit reporting agency by you will make you liable for sums up to $1,000, plus actual damages and attorney fees. You may contact me ONCE to tell me that you are ceasing communications. Sincerely, Me CC/file
  10. I'm working on suing two or three JDBs right now. I have a lawyer helping me because things got tricky once I got their suit against me dismissed. The reason I'm posting, though, is to address the $1000 per violation myth. It's $1000 per violating defendant per lawsuit. For example: a JDB and their lawyer both had multiple violations against me. I asked my lawyer if I could get $1000 x each violation x two people in my lawsuit against them. He replied no, it is $1000 x two people, tops. In theory I could possibly make each distinct separate violation into its own lawsuit but that would carry individual court costs, filing fees, etc for each one and each suit would risk win/loss. So, it's $1000 per violation lawsuit per defendant. (By the way, my lawyer took my suits on contingency. He'll get paid by the other side if we win anyway, so I didn't get charged anything up front. The key is, he doesn't take any cases he doesn't think he stands a good chance of winning. I had to email four different lawyers from the NACA website before I found one who would listen to me, but it ended up being well worth it. If you think you have good evidence of the violation, run it past a lawyer. If it's a solid case, they'll take it on contingency and you'll get your grand in the end.) I've gotten daily calls for over a week after Allied Interstate received my Full Cease & Desist letter CMRR. These calls are on a debt well over 7 years old. Which court is proper? Since I live in Texas, JP court has a 10,000 limit (I think). Is this a sufficient place to file or do I have to go the Federal route?
  11. If I had tons of money to spend on myself, to indulge myself, to be totally & completely selfish, without a care in the world? My life would be totally useless and not fit for living. I would probably want to die.
  12. Perhaps I'm not understanding your post correctly. I assume the original creditors has reported these loans on your credit report, correct? Or, have they turned it over to a Collection Agency (CA's)? If CA's, are they reporting on your credit report as well? It seems to me that the "1-2 Punch" is more an approach for going after CA's. There is a really good thread here with advice on going after the Original Creditors (OC's) to get them to delete. http://creditboards.com/forums/index.php?showtopic=6086&st=0 If you paid them off it should be pretty easy to get them to delete from the Credit Reporting Agencies, as they have nothing to gain from not doing so. THANK YOU! I have been waiting, and waiting, and waiting for a reply. Thank you! The reporter is the Bank. I've tried before to get them to delete but the guy just won't do it. I guess my next step could be to dispute it? It's been 3.5 years so maybe the information required for verification could be filed away in some archive boxes. Hopefully, he may be just too lazy to retrieve the info and simply delete the entry? Any other ideas? One other tidbit of info is that none of the dates on the report match the actual date that it was paid. Could I dispute this? Thanks again.
  13. Perhaps I'm not understanding your post correctly. I assume the original creditors has reported these loans on your credit report, correct? Or, have they turned it over to a Collection Agency (CA's)? If CA's, are they reporting on your credit report as well? It seems to me that the "1-2 Punch" is more an approach for going after CA's. There is a really good thread here with advice on going after the Original Creditors (OC's) to get them to delete. http://creditboards.com/forums/index.php?showtopic=6086&st=0 If you paid them off it should be pretty easy to get them to delete from the Credit Reporting Agencies, as they have nothing to gain from not doing so. THANK YOU! I have been waiting, and waiting, and waiting for a reply. Thank you! The reporter is the Bank. I've tried before to get them to delete but the guy just won't do it. I guess my next step could be to dispute it? It's been 3.5 years so maybe the information required for verification could be filed away in some archive boxes. Hopefully, he may be just too lazy to retrieve the info and simply delete the entry? Any other ideas? Thanks again.
  14. I had 2 bank loans with the same bank that went past due back in October of 2006. They went to 90 days and were never current until I eventually paid them off in May of 2007. These are the primary things keeping my score in the mid 600 range. I’ve read about the “Jack Attack & the “1-2 Punch” but not completely sure that I fully understand all of the steps. My proposal is as follows…. (1) Request verification of the dates and amounts from the original creditor (CMRRR). (2) Wait until I get the green card back (3) Dispute the account with the Credit Bureau Since the bank will be unable to verify the account with the Credit Bureau until they have answered my request, they are forbidden to respond to the Credit Bureau’s inquiry until they have completed their research. If they don’t respond to the Credit Bureau within 30 days, the Bureau must delete the trade line. For what it’s worth, I’m in Texas. Are there any suggestions that I may be overlooking?

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