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phyregold

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  1. I appreciate the input, but there is a difference between needing 10k for a downpayment and 42k for paying off medical.... Seriously, what do I need to do after my initial disputes?
  2. No I don't. I was kind of hopign WhyChat might chime in, I don't know what to do after the initial dispute letters. Do I do a DV or what/
  3. Sorry your correct. I have 617 and need a 640 (FHA 203k). I also do not have a cosigner so this close I'd like to get over this little hump left.
  4. Here's where I am. My goal is to get my credit score to 650 for a mortgage and I currently have a 620 (after initial disputes). Opt Out Done Dispute Addresses Done Initial Dispute Done I did not dispute any medical accounts (i don't have the money to pay them offc The initial dispute went fairly positive I would say 50% of all accounts that I have were deleted. I guess where I'm stuck is what do to next for thr accounts that were validated. They where things like utilities and credit cards. I'm far outside my initial 30 days and some accounts are within their SOL. Thanks!
  5. I can - i think you miss the order here. 1) JDX Accounts 2) Debtor says i have bank 'x' 3) JDX Over 4) Debtor gets new bank 5) They're perfectly safe because it's after JDX I'm not missing the point - I do understand it. But you have to hope that the person has enough liquid-able assets to clear whats owed + cover the fee for the sheriff to process real estate sales. Then its going back to court and stating you went to levy the account given in the previous proceeding and the account was closed. No judge in their right mind will consider that proper, and might sanction the defendant for contempt. No the account ins't closed, just funds withdrawn. I appreciate the effort but my attorney is telling me it happens all the time. And they don't have an account to chexsystem and thats why i'm looking to see if someone knew how to get that.
  6. I can - i think you miss the order here. 1) JDX Accounts 2) Debtor says i have bank 'x' 3) JDX Over 4) Debtor gets new bank 5) They're perfectly safe because it's after JDX I'm not missing the point - I do understand it. But you have to hope that the person has enough liquid-able assets to clear whats owed + cover the fee for the sheriff to process real estate sales.
  7. I'm in PA and yes how to enforce a judgment, but in order to serve a levy on a bank you must know what bank. And that is the reason for Chexsystems http://pghfirm.com/pennsylvania-debt-collection-blog/how-to-collect-a-judgment-in-pennsylvania/ http://research.lawyers.com/pennsylvania/pa-collecting-the-judgment.html Debtor's ExaminationYou can have the sheriff serve the debtor with a notice of a debtor's examination. In a debtor's exam, you can ask the debtor what type of property he owns, where that property is located and whether or not the debtor has a job. Your county courthouse will have more information about this exam and the necessary forms. Step 1 to collect a judgment in Pennsylvania is to file the judgment IN EACH COUNTY where the debtor resides or owns real property. Real property means a house or land. Judgments in Pennsylvania act as an automatic lien against real property. This means that the debtor cannot sell their property without satisfying the judgment first. These judgment liens on property are valid for twenty (20) years. Although a judgment may act as a lien against real property for twenty (20) years, you cannot seek to execute on your judgment unless it is revived every five (5) years. Also, be careful about magistrate judgments. Magistrate judgments are not always identified by credit reporting agencies and will often not show on credit reports. Thus, you may have a judgment that is NOT acting as a lien. If you have a magistrate judgment, you should always file the judgment with the county courts where the debtor resides or owns property. Step 2 to collect a judgment is to praecipe for a writ of execution. Once the judgment is filed, you can ask the department of court records to issue a “Writ of Execution”. This writ of execution is then taken to the sheriff’s office. The writ authorizes the sheriff’s office to take certain action to collect the monies against the debtor. These actions consist primarily of: Seizing a bank account; Selling personal assets, and/or vehicles; and Selling a house, land or real property. This all sounds good in theory but in reality as soon as you do a JDX and ask for their bank account they get a new bank. ¯\_(ツ)_/¯
  8. I'm in PA and yes how to enforce a judgment, but in order to serve a levy on a bank you must know what bank. And that is the reason for Chexsystems What she meant was during the Debtor's Examination you can force the defendant to disclose the bank and the account numbers under oath. Failure to do so would be contempt or giving false information would be perjury. Otherwise, I suppose you could hire a gumshoe with access to certain databases (Lexis-Nexus, ARS, Sagestream, etc.) that can dig up this information for you. What is ARS?
  9. I'm in PA and yes how to enforce a judgment, but in order to serve a levy on a bank you must know what bank. And that is the reason for Chexsystems
  10. I have a question that i'm hoping to get nailed down and perhaps only WhyChat might know the answer. I really had a judgment awarded to me and I want to pull a credit report. My understand is that Pintos v. Pacific Creditors Association, No. 04-17485 (April 30, 2009) says that you must have a credit transaction to pull a credit report. It's also my understanding that FACTA says determined if a debt is collectable is reason enough (Hasbun v. County of Los Angeles, 323 F.3d 801 (9th Cir. 2003)) So it would at first appear that Pintos overrides Hasbun but apparently the Pintos court ruled with Hasbun and made a special provision for judgments. To distinguish Hasbun ’s holding that § 1681b(a)(3)(A) applied to collection of a child support judgment—presumably not a “consumer initiated” debt under the majority’s new test—the court carved out an exception for judgment debts; a debt reduced to judgment, the court held without explanation, would be deemed “a ‘credit transaction involving the consumer’ no matter how it arose.” http://www.jonesdayappellate.com/files/CaseStudy/8ef7688e-6ab0-40b0-9455-f9049f6c9db3/Presentation/CaseStudyFile/1c64ecf1-9a89-476d-bdca-fb2849b63868/ExperianPintos10TermCERT.PDF Does anybody know the above mentioning case law or foot note - somewhere I could read the exact ruling/opinion
  11. Thanks for the reply but that number doesn't actually offer any help. ChexSystems Consumer Relations 1-800-428-9623 (Recording only-Instructions)
  12. I've been on this forum for years, and it's helped me out a lot. Now i'm on the other side and I want to know if anybody has any insight on how to obtain a chexsystem report against your debtor. I know you can get any of the 3 CRA reports since I have a judgment and Chexsystem is just like them so I just don't know how to achieve my goal. Does anybody hav ea data provider contact or a way to obtain the report?
  13. I'm looking at a 2010 ford for my wife and I wnated to know if anybody has a really good lender with a low rate
  14. The math doesn't suggest that it's silly. 1500 * .03 (balancer transfer fee) = $45 $45 if I wanted to pay it off in 6 months of interest is...?
  15. There's plenty of BT offers. Big banks, small banks and CU's. More importantly, do you have a budget/plan in place to end the shell game? Oh yeah, i'm not worried about it, it's only 1500$, i just don't like dropping my saving account below a certain mark so I want to transfer it

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