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  1. Hi everyone! I apologize in advance for not being up to date with most of the acronym, I'm still trying to get the hang of it. I was dumb, 18 and thought I had it all figured out... Now I'm 25, in debt and the only thing I know is I want to get out of debt. It's taken me a long time to realize the importance of good standing credit. I've read a few stories on here and the amount of debt doesn't seem as overwhelming as others but in my eyes I feel like I'm drowning. On 1/24/2014 I went on to annualcreditreport.com to get my free credit reports and the only one I could access was T
  2. I am in the process of divorce, and I have racked up a lot of debt. I am not sure how much information I should give, so I will start with some basic information. I have a mortgage, car loan, lending club consolidation loan and 11 credit cards. I want to try to keep from filing bankruptcy, but not sure if it is even possible. My plan is to close several if not all of the credit card accounts. I want to call each company and explain my situation and see if they will allow me to close the account, adjust the balance and/or APR My wife owes me her share of the marital debt and is giving me
  3. First, I would like to thank everyone here for sharing your wealth of information. I just signed up a few days ago and have been lurking for about 2 weeks. A little about me. I walked away from everything approximately 6 years ago in order to leave an abusive relationship. I had a house, a car, a few credit cards and a few other outstanding bills. I knew my credit was going to be trashed, but I didn't much care. I have essentially been living without any credit since then. A few weeks ago, I decided to try and rebuild my credit and that is how I ended up here. I have been reading the
  4. John Oliver discusses student debt, which is awful, as well as for-profit colleges, who are awfully good at inflicting debt upon us. https://www.youtube.com/watch?v=P8pjd1QEA0c
  5. I have a question on wording a settlement offer for a hospital on a medical debt. I have a settlement letter that will serve as an agreement for a regular cc debt, but I don't know if I should use the same letter or add extra wording to include HIPAA rights or so on. Backstory, which you will find on my other posts: Hospital original charge $3900, been paying for over 2 years now down to $3500, sent to collections. I have spoken with the manager of the billing department of the hospital and we reached a settlement lower than original amount and they have agreed to retract the account
  6. http://www.nytimes.com/2014/06/08/us/politics/obama-plans-steps-to-ease-student-debt.html?_r=0 More information to come later today!!
  7. So i just paid off all my credit cards and now I am fighting this insane urge to spend, does anyone else have this problem? Today I almost bought a 2k dollar imac that I didnt need and a 3k dollar camera. I am thinking of cutting the card up to keep me from using it.
  8. Wondering if anyone has been in a situation where Calvary Portfolio SVCS has shown up on a credit report and when contacting them to settle a debt they refer you to a special phone number for Central Portfolio Control? I just received my credit report and CPC is not on there. I am planning on sending out DV letters again but I am concerned that if I settled with CPC then Calvary will not agree that the debt was settled and I will have to renegotiate with them(Calvary). I am also worried its a stall tactic to reopen the SOL and serve me. Its not a large debt <5,000 but I need it taken care o
  9. There are quite a few things on my credit report. I don't know where to start. I have a credit score of 510. I'm 25 years old and didn't have the income or knowledge for maintaining great credit. I now have the income ( I think) to fix my credit. I just don't know the 1st step. Someone please help. I'm sure I need to provide additional information. Thanks
  10. I'll be on Chris Molinari's show "Molinari Newswire" http://www.blogtalkradio.com/buildingfortunes/2014/06/11/molinari-news-wire We're going to be talking some of the latest developments in fighting debt.
  11. Hi,i'm here to ask you guys for counseling about my debt.I have a debt approximately 30-ish thousands. And i'm looking for a way to decrease it as low as possible.I want to pay it off,I do,but it's just too hard to do with this economy. I don't want to go bankruptcy because i know i can pay it off,just not all of it.Is there any way i can do that? I have a friend that did it,it went from 30 thousands to 15 thousands.But he moved and i lost his number so. Please help!
  12. Please advise.... Today (5/22/2014) I received a letter from NYS Dept. of Taxation and Finance claiming I owe them $1000.03 (Tax amount assessed $793.00 + Interest amount assessed $207.03) Payment due day date: 06/09/14. The letter claims I owed the NYS Tax dept. because of Forgive Fed. Debt $7,600.00 CITIBANK SOUTH DAKOTA NA. They claim I was sent notification from IRS on 04/09/2012 of the above charges to my 2010 federal income tax return. I remember back in 2009 I settled a debt with Rubin and Rothman LLC for $10,000 on a $20.000 debt that was before I knew about Creditboards. I ki
  13. Crazy story of the day: woman's federal and state tax refunds seized by the feds because *someone* in her family got a social security overpayment in 1977 and she *may* have benefited from it. Not kidding. They had a name for this in feudal times: attainder. And it's been specifically outlawed in the U.S. Constitution, which apparently does not apply at the Social Security Administration. http://reason.com/blog/2014/04/11/uncle-sam-revives-feudal-practice-to-col#fold
  14. I am using calculators online. On my rent/mortgage I have a roommate so do I put in what the full amount of the rent is or do I put in the portion that I pay? How do banks look at DTI when the person has a roommate but lease doesn't really say one person pays half and the other person pays half it just lists the full amount of the rent? If I put in half of the rent (which is the portion I pay) It has my DTI at 17% but if I put the full amount of rent it bumps my DTI up to 31% so just wondering how banks and other financial organizations look at this? Thanks
  15. Hi so I have FAKOS in the high 500s and I want to know what the best move would be for me right now to repair my damaged credit. I have about 5 inquires on each Transunion, equifax and Experian this year. I am not applying for anymore credit. Hoping to bump Equifax and Transunion. My good accounts are a secured loan for $400 on Equifax, a secured loan for $1000 on all three and student loans, about 7 that are deferred on all of them. I have like 2 closed good accounts that were installment loans. The last good thing is that im getting an installment loan through the credit union u
  16. I'm not even sure of where to start with this. It's very shameful, and I never thought I'd get to this point. The fact of the matter is, is that I'm beyond lost on what to do here. I moved to Arkansas a couple years ago, and when I did, my credit score was around 650- not great, but not really bad, either. I was proud that I didn't have bad credit. Now, it's below 500. I'm 18k in debt- from verizon wireless, at&t u-verse, student loans, a local property management group (still owe money on a lease), paypal credit line, capital one credit card, and a Dell credit line, and my au
  17. I Recently came across a topic showing you the best way to go about dealing with debt collectors. These bottom feeders use every dirty trick in the book to ruin our lives it's about time we gain the upper hand. click on the link
  18. Hello folks, This is our (my wife and I) first post. I was curious as to what I should pay first. My wife and I started our major overhaul of our finances today. We have approx $5500 (bonus from work) to pay off some debt. Coincidentally, we have a loan through NFCU for just about this amount ($5900 to be exact). However, we also have another $20k in credit card debt. Our monthly payment on the NFCU loan is $270 month. Should we apply the $5500 + cash in our bank account to pay off the loan and save $270 a month, or should we apply $5500 toward credit card debt? Thanks in advance for your
  19. Hello .. i have a question about a notice we received stating .. Notice of Sale of Ownership of Mortgage Loan. It came from a lender that apparently our current lender sold our loan to. We have been having difficulty paying our mortgage since 2012 and into 2013 due to a job loss in dec of 2011 as the new job we acquired in april of 2012 pays less then the one we had before. Mortgage being almost 1900.00 a month not including property taxes and insurance. We of course are in arrears with them some due to their not accepting our payments when we were able to pay and of course all their adde
  20. Newbie here. Needing help w/ things. Been lurking and I don't think I've found this scenario yet. I haven't touched my Credit report in years. I figured my credit was in the toilet but my goal has been to fix it up and I've started this week. I've been playing catch up and think I need to work on creating various validation letters to send out to CA's. I've grouped my debt into 3 blocks: CC's and Lifestyle, Vehicle Loans and Medical Accounts. I've only been at this for two days but I am proud at how organized I've gotten. Even did a spreadsheet for myself. I must admit, I am a l
  21. hello all, i recently started trying tom fix my credit after filing for bankruptcy in 2007, then dropping that case due to not filling out paperwork in time.. then filing again in 2009 and once again getting it dropped because I had not complied with with the court correctly, basically i had one really pissed of creditor who fought me the whole way and caused me to get it dropped. I was a homebuilding contractor back then, so I had a lot of trade lines. I tried to forget about it for a long time but here I am again trying to get the credit rocking again. Anyways I have a to of charge offs I wo
  22. Hi, I am a reporter working on an article on settling debts. For my article, I need to talk with a consumer who settled their own debts. If this describes you and you'd be wiling to tell me how you did it, please feel free to send me a message. Thanks so much! Allie Johnson
  23. I just received a call from Financial Asset Management systems saying that I was involved in a hit and run a year and a half ago and I now owe State Farm $2,600. I need help in figuring out if this is a scam or not. Here are some facts: *According to them, I opened my door and dinged an emergency vehicle, then drove away. I have no recollection of this incident whatsoever, and unless someone in my family took my car without my knowledge, I'm 99.99% sure this did not happen. *The vehicle owner filed a claim with their insurance (State Farm) and State Farm took care of the damages. Again, I
  24. I am VERY new to this whole process but I am going to attempt to clean up my credit. Back in 2007, I was in a car accident (only 18 yrs old) and working pt time, NO insurance and the er/medical bills started rolling in. I couldn't pay them at the time and most have went Into collections. My husband and I are going to try and purchase a home in the next year. I have paid a few of the bills the the hospital and they are still showing on my report by the CA. I am getting ready to pay off the last 4 accounts on CR but would like to know how to go about doing it?
  25. So back in 2010 I had went to the ER twice and had a $100 copay for each time. Well the bills got away from me and recently I've been trying to square off any and all old debts and get my credit back. So I called the OC (Hospital) and asked if I had any old bills still owed and they told me yes I had 2 which matched up to the 2 on my credit report only on my credit report they were reported by collection agencies. My question is if I pay the hospital (OC) the debts is there a way to force (force is a strong word, strongly recommend) the CAs to remove from my credit report? Right now they still
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