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Found 4 results

  1. So here is where i am at. I was pre approved. I found the house that I want. Real estate agent says Now I need to talk to my lender about the FHA loan and how much seller concession is allowed. What other things do I need to put into the contract? Will I need to put down a deposit?? When will they require me to put down a deposit if one is required? What do I need to know?! Im so scared and excited.......we will draw up the contract tomorrow. Thanks!!
  2. I joined nfcu about three months ago. I check my offers regularly, but it has always been generic "offers" like mobile banking and such. My credit score has been going up to just recently 602 on eq. I also just yesterday signed up for OOOPS overdraft protection. Today I see an offer on offer page for cash rewards. However it is not the banner ad but one of the text ads underneath it. Is this real? Should I bite? I have no lates at all for the last 5 years, but lots of baddies from before then. Thank you for your advice.
  3. Background: Three of my CCs were CO after I was laid off. I am working to rehabilitate my credit with a slim savings account. After successfully applying for a secured CC, I awakened the Cap1/Northland mutuant by giving the CRAs some positive activity and my current mailing address. Naturally, Northland sent me settlement offer a few days ago. Why this is an issue: Thanks to the contributors here, I know Cap1 keeps great records and dilligently wrecks my CR on a monthly basis. Therefore, getting this "baddie" off my CR is on the to-do list. However, I can't afford Northland's settlement offer. Where I could use your advice: Should I '1-2' Northland/CRAs before requesting a lower settlement offer or would doing so push this settlement offer, and any potential lower offer, off the cliff of reality? The economics: -CO Balance: $2,500 -Settlement Offer: $1,250 -What I can afford to settle: $600-$800 Thank you in advance. This board is the definition of community in the 21st century. Tunnel vision is blinding and I am prone to it. If there are better plans of action I sincerely hope you'll share them. -The Indignant Kitten "Your living is determined not so much by what life brings to you as by the attitude you bring to life; not so much by what happens to you as by the way your mind looks at what happens" - K.G.
  4. Trial date set for a debt I allegedly owed Chase. Midland Funding supposedly purchased it and Pressler and Pressler (PP) filed complaint on their behalf. All set to go to court this Monday (after I filed an answer). However I called PP and proposed to settle. After we agree on an amount, I insist they put the offer in writing BEFORE I give them any cc or checking account info. They fax me a 'memo' which has some suspicious elements that I don't know if I should be concerned about: 1. Their letterhead at the top is somewhat distorted. It starts with 'Pressler and 10h12v1s3TPressler, L.L.P'. I'm actually dealing them with two accounts (one is just in collections with no complaint filed as of yet). And so they send 2 settlement offers, both with the same letterhead issue. 2. There's no one who signed off on the settlement offer. It's just signed 'Pressler and Pressler, LLP'. All of the other letters they have sent to me has an official who signed off. When I mentioned this to their paralegal she claimed that because it's a 'memo'. it doesn't get signed off on. 3.The offers says that after I make payment and the check clears, "a Stipulation of Dismissal will be sent to the court in order to close the case". I wanted them to state that "a Stipulation of Dismissal will be sent to the court in order to close the case WITHOUT PREJUDICE" (emphasis, mine). Is this necessary? I don't want them coming after me later for the balance. Your opinions are greatly appreciated. Thanks much!

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