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Found 6 results

  1. It is my extreme pleasure to have met you CBdians! What a wealth of information I have been privy to. I have been reviewing the board for quite some time now, (often as if cramming for an exam) and am happy to say that I am now officially a member. I truly don’t know how I stumbled upon you, but I was devouring the internet in an effort to get back on track and somewhere there was a mention so I started to read, and read, and read! Death, BK7-2011, and some other stuff have been thrown my way, but I am climbing back up slowly and with the knowledge gained here, I am confident. Encouraged
  2. Hi - first time home buyer here and going through the loan process on a quick close, which has me a little stressed to get all appropriate documents as fast as possible. In that, I got my tax returns from the past 2 years to provide our mortgage banker. He said there should be more pages to the federal tax returns, as I provided him with about 4 for each year. Confused as to what more he needs? He said in original email all pages and schedules, but don't have any further pages from our accountant. Is this something I'd have to request from the IRS? Please help.
  3. 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
  4. There's growing chatter here as of late about the flurry of 1099-c forms going out to (former) debtors. Before the threads go in a hundred different directions, I was hoping we could wrangle all the questions and answers into one thread or perhaps one of the board gurus can slap together a Master Thread. I ask this not only in the spirit of altruism (so that future generations can find a central repository for our knowledge and not go nuts as we all did in the past looking in 100 places for one answer to one question), but also for personal reasons... The gurus here helped me fix up my wif
  5. Ok... I'm in the middle of a refi and my appraisal came back short. For me to do this refi, I now have to either pay off the 2nd mortgage, subordinate the 2nd (which I hear is almost impossible these days, unless I do a Harp loan or go with the same lender for the 1st mort, that's holding the 2nd), or get PMI. I'm leaning towards PMI. I've got the cash to pay off the 2nd mortgage, but I'm thinking I should just do PMI... I haven't heard back from my loan officer, but from my research, it looks like my PMI would around $70 a month or $2100 upfront.... I could also go to closing with
  6. first time filing as married... I was just curious if any tax software will let us put all our info in and then determine which method would give us max savings? thanks
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