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TxQuiltGirl

Former Mods and Forum Leads
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  • Location
    Shhh ... Hunting for big snakes
  • Interests
    If I could remove a certain bank from the face of the earth and never get caught ... I probably would do it.

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  1. In early 2016, I lost my job in the oil field. It was a very good job, and I made good money. I received a decent package when I was laid off, and starting looking for a job. Sadly, the entire oil patch was going through the same thing, and it took my 18 months to find a job that paid 1/5th of what I had been making. It took another six months after that to find a job that allowed us to keep our heads above water, and now I'm back in the saddle and we're doing much better. Around the 18 month mark, we had to let some of our credit cards go. They had pretty high balances, but we were doing fine until that point. It was always our intention to try to pay them when I found a job, because we did incur the debts and I felt pretty bad about having to let them go. Also, we'd worked so damn hard to get our credit straightened out and it was very nearly physical pain to let it go to hell again. But when I got to the point where we could actually start looking at making payments again (around that two year mark), well ... OCs were sort of like, too bad, we've already charged them off and sold them. I decided to try to ride it out and see what happens. We haven't applied for new credit, but we've maintained three or four cards, our car payments, student loans and a personal loan in the time that's elapsed. Fast forward to last month, and I was sued by Midland for a small-ish debt. I responded, but haven't heard anything back yet. The thing is, we're trying to move in to a new rental, and the RE agent is telling us it may be impossible for us to do so with our credit scores (my FICO scores are low 600s and I make the bulk of the income; DH's are mid 500s). Soooo I was wondering (and I'm no newb but I am sick of dealing with this crap) if I should try to settle some of these with a couple of caveats - primarily that they are PFDs and the remaining debts are never sold. I still have two years to ride out the SOL, and I cannot wait that long to move or buy a car (that needs to be done next year). Should I try to settle these debts? I'm morally opposed to paying bottom feeders like Midland and Portfolio, but I need to get my scores back to a reasonable point, and the damn collections from JDBs are what's really screwing it up. Also, I'm concerned that since half or more of my debts are now owned by Midland, if they are in any way successful with this lawsuit, they will charge full steam ahead and go after me for all of them. I can see it really opening the flood gates, so to speak. What would you do in this situation? TIA, TQG
  2. No mail, but I did get served for a lawsuit from Midland ...
  3. Squirrels will kill and eat snakes, poisonous or otherwise. There have been several documented cases, and recently TPWD posted a photo of a squirrel eating a snake in the Guadalupe Mountains. I don't particularly care for squirrels - they're just cute rats, but they're better than having snakes around. And sorry, Breezey, dear, but the only good snake is a dead snake.
  4. I once was well known But now I am a stranger Might you remember?
  5. DUDE! I snuck in under THAT wire! We were officially married for 9 years, 11 months and 18 days ... and while it doesn't affect my benefits, I don't see a reason for him to benefit from my hard work while he's sat on his flowers barely getting by all these years. lol
  6. Martyyyyyyyyyyyy!!!!! One of the old crew is back, yahooooo. That makes two in a week. Someone else showed up this week? Is it anyone cool?
  7. My salary has increased by more than 100% since I got my degree in 2006, and I was doing alright back then. So I'm going with YMMV. My degree is far from worthless or overrated ...
  8. Alright, so I received my Experian report yesterday and I've triaged it and made a plan. Of course I'm starting with some of the low-hanging fruit - things that are scheduled to drop off by year end anyway, some of the CA's I know won't be able to validate, stuff like that. But I have one entry, which I know is probably true, for a collection by a local utility company for $38. I think it was just lost in the shuffle when we moved a couple years ago, and it's not scheduled to drop off until the end of 2018. What is the general opinion on sending a PFD letter to them? I mean, it's such a little amount and I'm certain I owe it. It's not been turned over to the collection agency; it appears to just be sitting in-house at this point. TIA.
  9. So, I never got a definitive answer to this question. I need someone to tell me if the rumor is true!
  10. What? I'm still sort of around. I'm taking a quiet, back seat sort of approach. GF really isn't what it used to be, is it?
  11. Thanks for the kind words, ya'll. LKH, I would L O V E to nail them to the wall, but it is so freakin' difficult to get a lawyer to take on a foreclosure case here in Texas, you just wouldn't believe. I have spoken to more of them than I can remember (I lost count around 15) and no one is really interested. Something about the very liberal foreclosure laws here ... they can foreclose after 20 days late, I think, blah blah blah. At this point, I just want to forget about it and try to get back to a place where I feel good about myself and my finances. I've been so depressed I've stuck my head in the sand - by now all the credit cards that defaulted are well past SOL, so I don't have a LOT of hope for PFD's, but some of them are such small balances and I feel guilty about them (not guilty enough to pay off a CA, though). Circumstances required me to take the path I did, but I really hope it's not too late to undo some of the damage I've done. /sigh
  12. I'm not that bad. Am I?
  13. Well, it's been a long time for me since I've attempted any credit repair. A short history, for those who don't know me. I came here about this time of the year in 2004, because I wanted to buy a house, be able to finance a car with little trouble and basically get my financial life back in order. And it worked - I did all of that in just a couple of years. And then Bank of America bought out Countrywide and the trouble started for me. Years of fighting with Bank of America over payments they said I missed, even though I had proof they had been made. A sudden addition of an escrow account that put me thousands of dollars "behind" with them. The attempts to hang on to the house, and the thousands of dollars spent (about $40k, all told) to try to "work things out" with them. All while my car was repossessed (got it back, though) and credit cards went unpaid. My financial life fell apart, all because I couldn't do anything to appease the monster. Two years ago, I let the house go and I moved on. I wasn't happy about it, but you know, when that last letter arrived that said I owed them another eight grand, I just broke. I'd had it. I was completely done. The house was $140k brand new, the debacle with Bank of America claimed a $165k balance (!!!) on the house, and the house was worth less than $100k, thanks to the bottomed out housing in my particular neighborhood. I begged and pleaded for them to work something out with me, for three years; they refused and claimed I owed them even MORE money. I. Was. Done. I don't tell this story because I'm looking for sympathy, or even because I want people to understand what happened. But I am not one of those people who got in way over my head with too much credit and slid back into old ways, though I'm sure some folks will believe that was the case. Every single one of my defaulted accounts in some way or another, directly or indirectly, was caused by trying to hold on to a house I had no hope of keeping, because BofA decided they wanted me out of it. Why, I have no idea. But the story is, sadly, a true one, and I'm far from the only person who experienced it. But now I'm tired of what it's done to my credit, and I need to get back on track. I make good money; I have a nice home, even if it is rented. My husband and I just bought a new vehicle and got financed for it, even though we had to trade in another vehicle for a down payment. I think I can clean up my credit, maybe even repair old relationships, and try to move on a bit. Maybe buy a new house with a big down payment down the road. I have hope. So I'm back. I'm starting simple ... requesting credit reports, going after the low hanging fruit. Maybe, if I can get OC's to agree, do some PFD's on the smaller balances. Easy stuff at first, as I ease into the credit repair game one more time. For those of you who know me, Hi, it's good to see ya again, though I wish it was under different circumstances. Those of you I don't know, Hello, it's good to meet you. I hope we can travel this road together and get back to where we should be. I'll see ya around the forums ... Quilty
  14. I'm sure it was all wasted, just like all the advice given in the past. And that's really too bad, but I was sincere. Someone here needs help - maybe several someone's - but I wasn't joking when I said my concern is the kids. I do have to say that I'm flummoxed that someone who comes here and posts about what a mess her life is, would want to offer advice to others. And it honestly seems odd to me to join a board to "help" folks on a subject that would be so difficult for me to accept. But to each their own. And if that was the case, I REALLY don't understand why SV lied about it and swore she had no idea what anyone was talking about. By the way, I still have a girly little crush on LKH ... <3

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