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doodlebugger

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  1. doodlebugger

    Old HSBC Second Mortgage

    Are you still living in the house? Have you checked with the courthouse to see if they released the lien? They could have charged it off, but there may still be a lien on the house. It fell off the credit reports likely because it was over 7-10 years old. I would probably start with the courthouse or court records to see how it was handled. At this point, why would you want to settle?
  2. doodlebugger

    Propane Company Debt Dispute? Any advice?

    We got a copy of all the paperwork, including the credit pull they did. My husband is the landowner, the sole person on the deed and the mortgage. They had me sign the papers that day they did the only delivery back in 2014 because I was snowed in with our kids and my husband was stuck in another town at a friend's house. I signed the credit pull paperwork, the underground tank agreement, etc. But none of the paperwork was in my name - they were in my husband's name and my name is no where on the account or the property but the delivery driver still made me sign it or we wouldn't be allowed to get the delivery of propane. So, I guess we need to go see a lawyer? You're going to hire a lawyer to try to get out of something you personally agreed to so the company would give you propane? If yes, that's really shady. What is shady is delivering a tank of propane during a propane shortage, during a very bad winter, knowing we we nearly out and had no choice, and then threatening to leave if I didnt sign the papers. I didnt even realize what I had signed. It wasnt explained to me and I never saw the paperwork until now because the person said they would mail us a copy and they never did. All I knew was that our family and pets would likely freeze to death if we didnt get that propane delivery. Now I find out that they had me sign paperwork that wasnt even legal. And the original agreement says $10 per year and they keep increasing it - the girl I talked to said they can increase it to whatever they want until we buy propane from them again. They can come and get their tank as long as they dig it out, fill the hole, and dont damage the property.
  3. doodlebugger

    Propane Company Debt Dispute? Any advice?

    We got a copy of all the paperwork, including the credit pull they did. My husband is the landowner, the sole person on the deed and the mortgage. They had me sign the papers that day they did the only delivery back in 2014 because I was snowed in with our kids and my husband was stuck in another town at a friend's house. I signed the credit pull paperwork, the underground tank agreement, etc. But none of the paperwork was in my name - they were in my husband's name and my name is no where on the account or the property but the delivery driver still made me sign it or we wouldn't be allowed to get the delivery of propane. So, I guess we need to go see a lawyer? What is your goal? We want them to come and get the tank and pay all the costs to remove it and fill the hole preferably.
  4. doodlebugger

    Propane Company Debt Dispute? Any advice?

    Sorry. I have anxiety and when I am worried about something, I cannot think straight. That's why there are no paragraphs.
  5. doodlebugger

    Propane Company Debt Dispute? Any advice?

    We got a copy of all the paperwork, including the credit pull they did. My husband is the landowner, the sole person on the deed and the mortgage. They had me sign the papers that day they did the only delivery back in 2014 because I was snowed in with our kids and my husband was stuck in another town at a friend's house. I signed the credit pull paperwork, the underground tank agreement, etc. But none of the paperwork was in my name - they were in my husband's name and my name is no where on the account or the property but the delivery driver still made me sign it or we wouldn't be allowed to get the delivery of propane. So, I guess we need to go see a lawyer?
  6. When we moved into our current house in 2014, we found out that there is a buried propane tank in the back yard for the furnace. The house was a foreclosure, and the propane tank bill was in the realty company's name. It was a very bad winter, and we had no choice but to stick with that company for the first month's tank fill. I can't recall if we had a second fill or not. But, in this process, the bill was transferred to my husband (whose name is on the mortgage and deed - mine is not....that's a long story) from the realty company, but he was at work, so I signed that delivery order. It only says it was a tank inspection, delivery of 100 gallons, and annual tank rent of $10. At that time, they gave me an easement agreement, with a post it note that says I need to have it notarized when my husband signs it. Within a few months, as soon as we were able to switch companies, we did because we have a relative that works for the other company and they give us a family discount. They put in an above ground tank and capped off the old lines to the buried tank. We were told by the first propane company that our tank rent would be $10 until we could uncover the tank, and then they would come and get it. Any hole in the ground that is left would be our responsibility to fill. We decided not to mess with it, and just pay the $10 rent every year. No problems until two years ago, they tried to raise the tank rent to $50 per year. We found out at that time that there was no easement rights for the tank on file, and we never signed one, in fact I still have the original one they gave me on their first visit and it is unsigned. They credited our account in 2016, and told us to get it uncovered in the spring and they will come and get the tank. My husband said he would try. But we weren't able because he is disabled with his back and shoulder, I am disabled, and we don't have the finances to pay someone to do this. This year we get another bill for $50, except now they are starting to charge us late fees every month. They said that it's their tank and they can charge us whatever they want until they can come and get it, and they say we have to uncover it first. They said the price went up from $10 to $50 because we don't get our propane from them any more. We told them they don't have an easement agreement, and they said that it's grandfathered in from the previous owner. I go to the courthouse and there is no easement agreement on file for us, the property, or the previous owners. In fact, the title insurance paperwork shows only two easements, one from the electric company and one from the water department. Then they tell me they will research it further and get back to us. Today, I call them back and the supervisor tells me that somehow, magically, in the file, that they have an easement agreement signed by me. The problem is that I don't have a copy of it, it was never notarized or filed with the clerk's office, and I'm not the legal owner of the property, nor am I on the deed. I contacted the Attorney General for my state and they tell me that if there is nothing at the clerk's office for our property or for the past owners with this propane company, then they have no legal right to collect any money and that if they want their tank, they will have to agree to pay to remove it, and I will have that opportunity to ask them to pay to fill the empty hole in the ground. I told this to the propane company who said they are sending me the copy of the easement agreement that I supposedly signed. The weird thing is that I have no recollection of signing this agreement, I have no copies of it with my original paperwork, and they have never mentioned it before, not even last year when they removed the charges. They are going to mail it to me, and they said after I get the copy, we can talk again. As of right now, we refuse to pay the charges because we never agreed to them. So, my question is this - can they legally collect this tank rental if they have nothing on file with the local clerk's office, and especially if this agreement they claimed I signed is not even notarized? If not, how do I go about disputing these charges and proving my case? Should I be sending them a dispute in writing right now? Up to this point, we have handled it by phone.
  7. doodlebugger

    Charge Offs as of January 2017 - Now what?

    No advice?
  8. doodlebugger

    Charge Offs as of January 2017 - Now what?

    So, it's complicated, but basically food and shelter is being covered by two adult children living at home paying a portion of the bills, plus my husband's income. Both hubby and I filed bk (our second time) in 2014, and things were going well, but I was pursuing SSI, and I got the final denial in 2016 (due to being too young and having a college degree). I originally filed bk7 separately because I thought I was going to be divorcing my husband, then we worked things out and because of the financial strains, he filed bk7 in late 2014. We ran into some difficult times in 2016, around the time of the final denial of the SSI, again, long and complicated (and personal) story involved here, but the main stressor on our marriage has been financial as well as my guilt for not being able to work and help out our family. Also around the same time in 2016, our disabled son who was getting SSI, turned into an adult in the eyes of the SSA, and only a portion of his income can be used towards the mortgage and food in the house. This was unexpected because the SSA had advised us differently, and long story short, we fell behind on everything. The previous bk7 was in 2005, and that is what the old home was included under, but we were able to buy this home in early 2014, and then we discovered that there were some major issues with it that the home warranty did not cover.....it became a sort of money pit for that summer, which is also another reason I pursued bk7, and later, my husband doing the same separately. I'm embarrassed to be in the financial situation we are in. I don't even care if I ever get another credit card, but I want to improve my credit score for whatever future needs I might have. With all that said, I am getting a very, small, income from Youtube, but it's inconsistent, and I am not guaranteed to get it every month if I don't reach their minimum payout amount. Other than that, personally, I have no income. I was added as an authorized user on one of my husband's credit cards and one of my daughter's. I fully expect to get served, and I have received a handful of credit collector letters. I do have a vehicle in my name that was given to my daughter (because at the time she was underage and she just never transferred it out), but it's falling apart (just had it repaired recently). Nothing else in my name. I guess I'm just wondering if I should do anything at all at this point?
  9. We have struggled for a long time, and I won't go into it all because I don't think it's relevant. However, here's where I'm at right now. I stopped paying my personal credit cards around June 2016. They reached 120 days late around 10/2016, and in January, they were charged off. I am unemployed, disabled, and my SSI was denied for the final time. I have only received a handful of letters in the mail, and since we had our phone disconnected last year, and my cell phone number was changed, I don't really hear from any creditors. I know some of these debts have gone to collectors already. My question is - when should I start credit repair? Or do I simply have to wait for these things to fall off my report?
  10. doodlebugger

    Streamline Assist RH/USDA Refinance - Any way around this?

    We had a lender who was fine with how everything looked, and we had a credit supplement or something run through a third party verification which they were willing to accept which stated that we were on time, 12 months, paid as agreed, but things fell through with the streamline assist refi because we don't qualify due to not saving more than $50 on our monthly payment. There is another program we may qualify for, so they are looking into that, but I don't hold out any hope at this point, as I knew it was a long shot.
  11. doodlebugger

    Streamline Assist RH/USDA Refinance - Any way around this?

    We got the information we need regarding the mortgage, through our broker/mortgage specialist/whatever you call him. We were shocked and so was he. He didn't think there was any chance to get this done, but they had it done through a third party who confirmed it with our mortgage lender as 12 months paid as agreed, on time. I'm not sure if that was due to the bankruptcy reporting laws, because my husband did give the mortgage company authorization to report to the third party. We have a few more hurdles to get through, and I am definitely not getting my hopes up, but I just thought I would give an update.
  12. doodlebugger

    Streamline Assist RH/USDA Refinance - Any way around this?

    I talked to a couple people at the state and national level of the USDA. If the loan is IIB, unless the guidelines at the state prohibit it, and they do not in my state, the debt being IIB is not an issue. The big hurdle we have is the fact that currently our 12 month history is unverifiable. We have a few options on how to get it verified, and depending on how the current mortgage lender responds, it may or may not work. So, that is where we are at right now with this. We have a lender who said if we can get the proper documentation, they are ready to do the refinance. This is the only obstacle that stands in our way. I realize it is a long shot, but at this point, we have nothing to lose.
  13. doodlebugger

    Streamline Assist RH/USDA Refinance - Any way around this?

    This is exactly what someone else informed me. They said that this would come back as unverifiable and they would need further documentation. ☹️ And from what I am understanding from the current lender, they will do a VOM, but we will have to sign a release that gives them permission to send the proper documentation. I'm guessing from this point that there is no way to make this work, but I'm still waiting to hear from someone before I lose all hope. Does anyone know if a streamline assist refinance is even able to work on a house that has the debt IIB? That seems to be the other concern of our broker/lender guy.
  14. doodlebugger

    Streamline Assist RH/USDA Refinance - Any way around this?

    They did not tell us to be late, they said in order to be considered for a modification, we would have to be late, but I don't remember all the details. We were trying to stagger our payments in such a way so we would never go past the two months worth, but they kept telling us that we weren't technically late because of how we did it. I don't understand it all.....we have been given so much misinformation by our lender and we were told that they aren't even the company that is servicing our loan - it's another company that they contract with. It wasn't that we didn't have the funds at the time that we started this, we had seen some issues coming up and knew we needed to get a lower payment, but then we had a sudden major change in our income for two very unexpected reasons, and then we decided to try for the refinance. We are not even sure at this point that we need a VOM. The rules for this refinance say that a credit report OR a VOM would be sufficient. The credit report has "paid as agreed". This will go through a manual underwriting, so the concern is that they will want additional documentation. I had no idea if the FCRA would cover a VOM or not......so it would be interesting to see how it works out. I'm waiting to hear back from another point of contact within the USDA to see what they say. We have made a lot of mistakes.....but when you have a stressful life with a lot of medical issues thrown in, it's hard to keep a straight head about some things like this. We do the best we can. Thanks for the information everyone!
  15. doodlebugger

    Streamline Assist RH/USDA Refinance - Any way around this?

    The mortgage is showing on my husband's credit report as included in bankruptcy, but paid as agreed. We have paid on time for the most part until we recently stopped due to the income issue and because they said we had to be behind to be eligible to apply for the modification. According to all the information I have seen on streamline assist refinance, they are required to prove the 12 payments on time by a credit report or a VOM. The credit report shows paid as agreed. Not sure what they would put on a VOM since I am unsure if they are still bound by the bankruptcy reporting rules where they can't report all that information if the loan was discharged, or if they would actually give recent information. He has the credit report though, so my question is, should we have them request a VOM to see how it comes back??? If it comes back as the same, then would that be sufficient enough?? We aren't trying to be dishonest.....I'm just trying to figure out whether it's enough of a technicality to get this pushed through due to the fact that there is verification on a credit report, and we couldn't really tell them honestly whether we were late because we were told that there were some grace periods and the payments were erratic over a few months, and we have been told that we aren't technically late by a rep at the current lender. Maybe just wishful thinking, but I can't let this go just yet since we meet all the other criteria and we don't have any clarification on this point, our agent says it's a gray area and until they have clarification on the matter, they can't move forward.

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