Credit Repair or Ch7...again? Please help!

[Positivemotion]

 

 

How do you plan to save money for a house going forward after having filed 2 bankruptcies? What will change with your finances and lifestyle that will change your financial picture from one of debt to one of savings?

I would love to pay off all my debts in cash today but that is highly unlikely. As you can see from.my post, I do not WANT to file bk but it looks like it may just be the best option for me. I am not sure how long my family will be a total of 3 also so I am taking that into consideration also. If I file, some of my monthly payments go away and will use that money and all other extra funds for my house. My credit is shot either way. At least with the bk I can start saving immediately and start rebuilding again. In 3 years, I should be good to go.

 

If you stick around and do things right after a possible bk, it may not even take 3 years to get a mortgage. It is very possible to do it in 2 years.

Also, don't feel any obligation to answer questions that have nothing to do with the subject at hand or about personal issues. AFAIC, the above question was out of left field and not worthy of answering.

 

Thank you LKH. Although, I do see that you can purchase in 2 years after bk, I want to make sure I have my 8-month emergency fund funded this time around for emergencies. That was another thing that got me in this mess - not planning. I want to show my son what to do and what not do going forward. I want him to be financially strong.

[chugs102]

Thank you LKH. Although, I do see that you can purchase in 2 years after bk, I want to make sure I have my 8-month emergency fund funded this time around for emergencies. That was another thing that got me in this mess - not planning. I want to show my son what to do and what not do going forward. I want him to be financially strong.

 

 

 

Good starting point.

 

Have a bigger reserve or emergency fund, if possible. 12-months would be nice. This should be in addition to your down payment.

 

Have a detailed budget. Cut expenses where you can (cable, phone, dining out, etc). Allow yourself some "fun" money but live within your means.

 

Good luck!

[Positivemotion]

 

Thank you LKH. Although, I do see that you can purchase in 2 years after bk, I want to make sure I have my 8-month emergency fund funded this time around for emergencies. That was another thing that got me in this mess - not planning. I want to show my son what to do and what not do going forward. I want him to be financially strong.

 

 

 

Good starting point.

 

Have a bigger reserve or emergency fund, if possible. 12-months would be nice. This should be in addition to your down payment.

 

Have a detailed budget. Cut expenses where you can (cable, phone, dining out, etc). Allow yourself some "fun" money but live within your means.

 

Good luck!

 

Yes, that's the plan to save, save and did I mention save. I never want to feel like this again. I will be cutting cable, etc. I will have my "fun" money in another bucket. I cannot wait to get the keys to my new home and it will all be worth it in the end.

[Momof5]

During my BK (which was a 13), I was able to have all fines and penalties of the IRS discharged, but not the underlying tax debt (it was too recent). I actually had a 0% plan which meant, the Trustee payments would go to the mortgage and the IRS only and all other debts would get nothing. I later sued my first BK atty and got a $50K settlement. That settlement paid the suing atty, my BK balance, which the judge increased to a 50% plan. and left me with some change .It was beneficial, insomuchas, a BK13 is removed from your CR at 7 yrs instead of 10.

 

Given the fact that you don't own a home, I would go with the BK7.

[Positivemotion]

During my BK (which was a 13), I was able to have all fines and penalties of the IRS discharged, but not the underlying tax debt (it was too recent). I actually had a 0% plan which meant, the Trustee payments would go to the mortgage and the IRS only and all other debts would get nothing. I later sued my first BK atty and got a $50K settlement. That settlement paid the suing atty, my BK balance, which the judge increased to a 50% plan. and left me with some change .It was beneficial, insomuchas, a BK13 is removed from your CR at 7 yrs instead of 10.

 

Given the fact that you don't own a home, I would go with the BK7.

I totally forgot that as I was paying, the IRS told me I could call back in as the balance was being paid down to see if the penalties could be removed. I am going to make an online payment next Friday and will call them the following Monday to see if they can remove these fees or should I just let the lawyer take care of it? If the taxes cannot be discharged, maybe at least teh fees can be discharged like yours which would be great as well.

[LKH]

 

 

 

How do you plan to save money for a house going forward after having filed 2 bankruptcies? What will change with your finances and lifestyle that will change your financial picture from one of debt to one of savings?

I would love to pay off all my debts in cash today but that is highly unlikely. As you can see from.my post, I do not WANT to file bk but it looks like it may just be the best option for me. I am not sure how long my family will be a total of 3 also so I am taking that into consideration also. If I file, some of my monthly payments go away and will use that money and all other extra funds for my house. My credit is shot either way. At least with the bk I can start saving immediately and start rebuilding again. In 3 years, I should be good to go.

 

If you stick around and do things right after a possible bk, it may not even take 3 years to get a mortgage. It is very possible to do it in 2 years.

Also, don't feel any obligation to answer questions that have nothing to do with the subject at hand or about personal issues. AFAIC, the above question was out of left field and not worthy of answering.

 

 

 

It's not out of left field at all.

 

If a person is in such financial distress that requires a BK (and I've been in that situation), what will he/she do to improve that situation? A BK can discharge most of those debts but the OP also needs to assess his/her situation more critically. How will the OP avoid a similar situation going forward?

 

I disagree. That wasn't what was asked by the OP. OP asked for help rebuilding his credit. He didn't specifically ask for help in making lifestyle changes.

[Positivemotion]

 

 

 

 

 

 

 

How do you plan to save money for a house going forward after having filed 2 bankruptcies? What will change with your finances and lifestyle that will change your financial picture from one of debt to one of savings?

I would love to pay off all my debts in cash today but that is highly unlikely. As you can see from.my post, I do not WANT to file bk but it looks like it may just be the best option for me. I am not sure how long my family will be a total of 3 also so I am taking that into consideration also. If I file, some of my monthly payments go away and will use that money and all other extra funds for my house. My credit is shot either way. At least with the bk I can start saving immediately and start rebuilding again. In 3 years, I should be good to go.

If you stick around and do things right after a possible bk, it may not even take 3 years to get a mortgage. It is very possible to do it in 2 years.

Also, don't feel any obligation to answer questions that have nothing to do with the subject at hand or about personal issues. AFAIC, the above question was out of left field and not worthy of answering.

 

It's not out of left field at all.

 

If a person is in such financial distress that requires a BK (and I've been in that situation), what will he/she do to improve that situation? A BK can discharge most of those debts but the OP also needs to assess his/her situation more critically. How will the OP avoid a similar situation going forward?

I disagree. That wasn't what was asked by the OP. OP asked for help rebuilding his credit. He didn't specifically ask for help in making lifestyle changes.

This is true. Besides nfcu, I thought my balances were not that high anf I could possibly have some of these accounts deleted, settled or offer pfd especially with them being so old. My newest account, first premier, was rehabbed. I could pay the utilization down, open 2 secured cards and work on credit repair (whychat for medical). I opened 2 disputes last week with tu and eq (for some reason I can't see my ex online...ugh) so those results are pending. Bedsides my nfcu visa and mc all other nfcu are reporting $0 balance. I am willing to make settlement offers to get these accounts clear, updated or deleted. I would think this is a good option also. My car loan si not very high at $7k and would at least make sure I had dependable transpotation to work. I am married but DH is on disability. I am working with the IRS and I might judt be able to do this without filing bk again. I welcome all positive advice.

[swanbird]

 

 

 

 

How do you plan to save money for a house going forward after having filed 2 bankruptcies? What will change with your finances and lifestyle that will change your financial picture from one of debt to one of savings?

I would love to pay off all my debts in cash today but that is highly unlikely. As you can see from.my post, I do not WANT to file bk but it looks like it may just be the best option for me. I am not sure how long my family will be a total of 3 also so I am taking that into consideration also. If I file, some of my monthly payments go away and will use that money and all other extra funds for my house. My credit is shot either way. At least with the bk I can start saving immediately and start rebuilding again. In 3 years, I should be good to go.

 

If you stick around and do things right after a possible bk, it may not even take 3 years to get a mortgage. It is very possible to do it in 2 years.

Also, don't feel any obligation to answer questions that have nothing to do with the subject at hand or about personal issues. AFAIC, the above question was out of left field and not worthy of answering.

 

 

 

It's not out of left field at all.

 

If a person is in such financial distress that requires a BK (and I've been in that situation), what will he/she do to improve that situation? A BK can discharge most of those debts but the OP also needs to assess his/her situation more critically. How will the OP avoid a similar situation going forward?

 

I disagree. That wasn't what was asked by the OP. OP asked for help rebuilding his credit. He didn't specifically ask for help in making lifestyle changes.

 

Actually, he did ask for help in making his decision whether or not to file (in addition to his credit). I think DollarDog and Chugs102 were completely right. If he wants help making the decision, those questions are totally germane to that decision. I love this board, not just because it has helped me immensely (for that I owe you a huge debt of gratitude), but also because of people like you who step in and ask people not to be judgmental. That's key to rebuilding and being open enough to get the help that you need. But OP did ask for help making the decision whether or not file. One determining factor would be how the OP plans to change behavior so that this doesn't happen a third time. I think the question was legitimate and I think OP's answer proves that he has given this some thought. Again, I say this with complete respect for the work you've done maintaining this board for people like me and with respect for your authority.

[LKH]

 

 

 

 

 

How do you plan to save money for a house going forward after having filed 2 bankruptcies? What will change with your finances and lifestyle that will change your financial picture from one of debt to one of savings?

I would love to pay off all my debts in cash today but that is highly unlikely. As you can see from.my post, I do not WANT to file bk but it looks like it may just be the best option for me. I am not sure how long my family will be a total of 3 also so I am taking that into consideration also. If I file, some of my monthly payments go away and will use that money and all other extra funds for my house. My credit is shot either way. At least with the bk I can start saving immediately and start rebuilding again. In 3 years, I should be good to go.

 

If you stick around and do things right after a possible bk, it may not even take 3 years to get a mortgage. It is very possible to do it in 2 years.

Also, don't feel any obligation to answer questions that have nothing to do with the subject at hand or about personal issues. AFAIC, the above question was out of left field and not worthy of answering.

 

 

 

It's not out of left field at all.

 

If a person is in such financial distress that requires a BK (and I've been in that situation), what will he/she do to improve that situation? A BK can discharge most of those debts but the OP also needs to assess his/her situation more critically. How will the OP avoid a similar situation going forward?

 

I disagree. That wasn't what was asked by the OP. OP asked for help rebuilding his credit. He didn't specifically ask for help in making lifestyle changes.

 

Actually, he did ask for help in making his decision whether or not to file (in addition to his credit). I think DollarDog and Chugs102 were completely right. If he wants help making the decision, those questions are totally germane to that decision. I love this board, not just because it has helped me immensely (for that I owe you a huge debt of gratitude), but also because of people like you who step in and ask people not to be judgmental. That's key to rebuilding and being open enough to get the help that you need. But OP did ask for help making the decision whether or not file. One determining factor would be how the OP plans to change behavior so that this doesn't happen a third time. I think the question was legitimate and I think OP's answer proves that he has given this some thought. Again, I say this with complete respect for the work you've done maintaining this board for people like me and with respect for your authority.

 

You are all more than welcome to your thoughts. But again, asking for help in making a decision re: bk is one thing. Asking about lifestyle changes are another.

 

Scattered throughout this site are responses from admin/mods to redirect the line of questioning towards the questions that were asked.

Maybe it was the word "lifestyle" that bugs me. Maybe the way to have asked would have been: Do you have a plan to prevent this from happening again".

[swanbird]

 

 

 

 

 

 

How do you plan to save money for a house going forward after having filed 2 bankruptcies? What will change with your finances and lifestyle that will change your financial picture from one of debt to one of savings?

I would love to pay off all my debts in cash today but that is highly unlikely. As you can see from.my post, I do not WANT to file bk but it looks like it may just be the best option for me. I am not sure how long my family will be a total of 3 also so I am taking that into consideration also. If I file, some of my monthly payments go away and will use that money and all other extra funds for my house. My credit is shot either way. At least with the bk I can start saving immediately and start rebuilding again. In 3 years, I should be good to go.

 

If you stick around and do things right after a possible bk, it may not even take 3 years to get a mortgage. It is very possible to do it in 2 years.

Also, don't feel any obligation to answer questions that have nothing to do with the subject at hand or about personal issues. AFAIC, the above question was out of left field and not worthy of answering.

 

 

 

It's not out of left field at all.

 

If a person is in such financial distress that requires a BK (and I've been in that situation), what will he/she do to improve that situation? A BK can discharge most of those debts but the OP also needs to assess his/her situation more critically. How will the OP avoid a similar situation going forward?

 

I disagree. That wasn't what was asked by the OP. OP asked for help rebuilding his credit. He didn't specifically ask for help in making lifestyle changes.

 

Actually, he did ask for help in making his decision whether or not to file (in addition to his credit). I think DollarDog and Chugs102 were completely right. If he wants help making the decision, those questions are totally germane to that decision. I love this board, not just because it has helped me immensely (for that I owe you a huge debt of gratitude), but also because of people like you who step in and ask people not to be judgmental. That's key to rebuilding and being open enough to get the help that you need. But OP did ask for help making the decision whether or not file. One determining factor would be how the OP plans to change behavior so that this doesn't happen a third time. I think the question was legitimate and I think OP's answer proves that he has given this some thought. Again, I say this with complete respect for the work you've done maintaining this board for people like me and with respect for your authority.

 

You are all more than welcome to your thoughts. But again, asking for help in making a decision re: bk is one thing. Asking about lifestyle changes are another.

 

Scattered throughout this site are responses from admin/mods to redirect the line of questioning towards the questions that were asked.

Maybe it was the word "lifestyle" that bugs me. Maybe the way to have asked would have been: Do you have a plan to prevent this from happening again".

 

That makes sense.

[Positivemotion]

Great. Now that that is settled, can we get back to the topic at hand . Lol

 

Do I have a shot at credit repair or is bk inevitable?

 

Although my nfcu vehicle loans say chargeoff, the chargeoff amounts are still unpaid ($11k $ $14k). I am under the impression these will need to be settled before becoming a homeowner.

[Positivemotion]

FYI, the only open positive tradeline reporting is my car loan ($7k) & first premier ($900) unsecured which is not reporting yet.

[Why Chat]

Your IRS obligation will not be discharged in BK.

NONE of your collection items are within the SOL for being sued as far as I can see.

You can dispute off your medical and many of your collections.

Your cars will be repossessed and you will be without transportation.

The $$ you spend on a CH7 BK would be more useful paying down your car loan.

[nysbadmk8]

I hate to be "this" guy.. but put the thought of saving for a home immediately on hold.

 

Your not even in the realm of buying one yet.. and you have some heavy lifting to do here...

 

As why chat just mentioned, Most of your debt is out of SOL. I would start the dispute process, using hipaa process, Jack attacks, and Pay for deletes where applicable.

 

Everything that has a fall off date past year 2017.. I would work on PFD... If your looking to buy in 3 years.. you need 2017 to be magical.

 

This will take TONS of time... And you still wont be able to get your report 100% clean.. but you should be able to get a home loan.

[Morpheus1967]

I was able to get both Federal and State income taxes discharged through CH7. The only catch is I believe they have to over 3 years old. However, if you filed joint married, and your spouse does not file for bankruptcy with you, they will then be liable for the taxes. My discharge was 2010, so this may have changed since then.

 

From the IRS website:

 

http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Declaring-Bankruptcy

[Positivemotion]

Your IRS obligation will not be discharged in BK.

NONE of your collection items are within the SOL for being sued as far as I can see.

You can dispute off your medical and many of your collections.

Your cars will be repossessed and you will be without transportation.

The $$ you spend on a CH7 BK would be more useful paying down your car loan.

My IRS debt was actually over $20k so believe me, I have been working on this. The lawyer said they could get these discharged as they are over 3 years old but I have a feeling that was not going to happen. It's ok because I going to give credit repair a shot (I just cancelled my 9am signing appointment for this morning). As for my cars, they were sold to carmax years ago so that balance was left after the cars were sold. I have the $7k loan on a used loan I got last month. I will work on getting my car loan paid off as soon as possible. I am happy to hear about the SOL on the medical and collections too. Thanks!

[Positivemotion]

I hate to be "this" guy.. but put the thought of saving for a home immediately on hold.

 

Your not even in the realm of buying one yet.. and you have some heavy lifting to do here...

 

As why chat just mentioned, Most of your debt is out of SOL. I would start the dispute process, using hipaa process, Jack attacks, and Pay for deletes where applicable.

 

Everything that has a fall off date past year 2017.. I would work on PFD... If your looking to buy in 3 years.. you need 2017 to be magical.

 

This will take TONS of time... And you still wont be able to get your report 100% clean.. but you should be able to get a home loan.

One of my main motivations is being a home owner. It may take 3-5 years I know I can do this and its always good to have a goal...no matter how big. I am well aware of the baddies on my report and this is why I posed the question. Unless I am forced, I have decided not to file and put all my efforts in credit repair and I am hoping every year is magical.

[Positivemotion]

I was able to get both Federal and State income taxes discharged through CH7. The only catch is I believe they have to over 3 years old. However, if you filed joint married, and your spouse does not file for bankruptcy with you, they will then be liable for the taxes. My discharge was 2010, so this may have changed since then.

 

From the IRS website:

 

http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Declaring-Bankruptcy

DH would have been filing with me but his debts should be out of the SOL as well. I will be working on both of our reports and go from there. I just did not know what to work on first as far as medical, collections or chargeoffs.

[Demonico]

 

I was able to get both Federal and State income taxes discharged through CH7. The only catch is I believe they have to over 3 years old. However, if you filed joint married, and your spouse does not file for bankruptcy with you, they will then be liable for the taxes. My discharge was 2010, so this may have changed since then.

 

From the IRS website:

 

http://www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Declaring-Bankruptcy

DH would have been filing with me but his debts should be out of the SOL as well. I will be working on both of our reports and go from there. I just did not know what to work on first as far as medical, collections or chargeoffs.

 

 

I'd recommend writing out a plan before you take action and consulting cb on the steps once you've laid them out.

 

With that many items to work on it looks like you'll have a bumpy road ahead.

 

However, with that much outside of SOL you are in a better position to negotiate things that can be negotiated.

[Positivemotion]

Update: I do not want to file so I have started credit repair. So far I have gotten a few things taken care of...see below:

 

PR's (1)

Chapter bk - due to fall off 9/2015...1 more year and it's gone!

2009 Tax Lien - received certificate of release and I sent a letter to IRS on 5/7/14 to remove it - pending GONE!!!

 

Collections (13 - all unpaid)

MCI/Verizon - Cell $59 - due to fall off 11/2015...will dispute shortly

Enhanced Recovery - Cable bill $212 - due to fall off 4/2016...working on

Midland Funding - NFCU $7677 - due to fall off 8/2016

Enhanced Recovery - ATT bill $105 - due to fall off 11/2016

The CBE Group - Utility bill $226 - due to fall off 1/2017...working on

Hunter Warfield - Rental/Leasing bill $2374 - due to fall off 6/2017...may PFD

Progressive Mgmt - Medical $15,792 - due to fall off 8/2017...may HIPPA

Allied Collection Svcs - Medical $676 - due to fall off 9/2017...may HIPPA

Credit Bureau Central - Utility bill $99 - due to fall off 9/2017

Kenneth Eisen & Assoc - Cable bill $85 - due to fall off 9/2017

CMI - Medical $539 - due to fall off 10/2017...may HIPPA

AD Astra Recovery - pay day loan $180 - due to fall off 8/2019...may PFD

AD Astra Recovery - pay day loan $304 - due to fall of 8/2019...may PFD

AD Astra Recovery - pay day loan $240 - due to fall off 8/2019...may PFD

AD Astra Recovery - pay day loan $567 - due to fall off 8/2019...may PFD

Sentry Recovery - Rental/Leasing bill $2968 - due to fall off 2/2020...may PFD

 

Charge-offs (13 - all unpaid)

Global Payments $535 - due to fall off 8/2015...soon!

CCCU $2416 - due to fall off 6/2016...may PFD

NFCU Visa $5226 - due to fall off 7/2016

NFCU MC $5173 - due to fall off 7/2016

NFCU MC (Joint) $0 - due to fall off 7/2016

NFCU LOC $0 - due to fall off 8/2016

Merrick Bank $2007 - due to fall off 11/2016...may PFD

Barclays $2205 - due to fall off 12/2016...may PFD

CreditOne Bank $0 - due to fall of 12/2016...may PFD

Capital One $2497 - due to fall off 1/2017...may PFD

NFCU car loan $0 - due to fall off 10/2017

NFCU truck loan $0 - due to fall off 12/2017

First Premier $918 - due to fall off 11/2018 (this account has been rehabbed with a $900 CL)

 

Not touching NFCU for now. I am trying to see how many baddies I can get removed by the time my bk falls off in Sept 2015. Wish me luck!

[Second Chances]

Nice start! Good luck with the rest!

[FromGoodtoGreat]

Update: I do not want to file so I have started credit repair. So far I have gotten a few things taken care of...see below:

 

PR's (1)

Chapter bk - due to fall off 9/2015...1 more year and it's gone!

2009 Tax Lien - received certificate of release and I sent a letter to IRS on 5/7/14 to remove it - pending GONE!!!

 

Collections (13 - all unpaid)

MCI/Verizon - Cell $59 - due to fall off 11/2015...will dispute shortly

Enhanced Recovery - Cable bill $212 - due to fall off 4/2016...working on

Midland Funding - NFCU $7677 - due to fall off 8/2016

Enhanced Recovery - ATT bill $105 - due to fall off 11/2016

The CBE Group - Utility bill $226 - due to fall off 1/2017...working on

Hunter Warfield - Rental/Leasing bill $2374 - due to fall off 6/2017...may PFD

Progressive Mgmt - Medical $15,792 - due to fall off 8/2017...may HIPPA

Allied Collection Svcs - Medical $676 - due to fall off 9/2017...may HIPPA

Credit Bureau Central - Utility bill $99 - due to fall off 9/2017

Kenneth Eisen & Assoc - Cable bill $85 - due to fall off 9/2017

CMI - Medical $539 - due to fall off 10/2017...may HIPPA

AD Astra Recovery - pay day loan $180 - due to fall off 8/2019...may PFD

AD Astra Recovery - pay day loan $304 - due to fall of 8/2019...may PFD

AD Astra Recovery - pay day loan $240 - due to fall off 8/2019...may PFD

AD Astra Recovery - pay day loan $567 - due to fall off 8/2019...may PFD

Sentry Recovery - Rental/Leasing bill $2968 - due to fall off 2/2020...may PFD

 

Charge-offs (13 - all unpaid)

Global Payments $535 - due to fall off 8/2015...soon!

CCCU $2416 - due to fall off 6/2016...may PFD

NFCU Visa $5226 - due to fall off 7/2016

NFCU MC $5173 - due to fall off 7/2016

NFCU MC (Joint) $0 - due to fall off 7/2016

NFCU LOC $0 - due to fall off 8/2016

Merrick Bank $2007 - due to fall off 11/2016...may PFD

Barclays $2205 - due to fall off 12/2016...may PFD

CreditOne Bank $0 - due to fall of 12/2016...may PFD

Capital One $2497 - due to fall off 1/2017...may PFD

NFCU car loan $0 - due to fall off 10/2017

NFCU truck loan $0 - due to fall off 12/2017

First Premier $918 - due to fall off 11/2018 (this account has been rehabbed with a $900 CL)

 

Not touching NFCU for now. I am trying to see how many baddies I can get removed by the time my bk falls off in Sept 2015. Wish me luck!

I have my certificates of releases from the IRS. I had 3 liens. They were for 127,000, 7337.00, and 2993.00 the total was for a whopping 137,000. They accepted my offer and compromise for 10,000. I was jumping for joy and thanking God when they did. I paid it off in 6 months. I have been approved for a withdrawal. I was waiting on the withdrawal papers from them before I disputed. But now after seeing this I may go ahead and dispute with the CRA's with just my releases and a copy of the approval letter from the IRS. Did you dispute all 3 CRA's?

[Positivemotion]

 

 

Update: I do not want to file so I have started credit repair. So far I have gotten a few things taken care of...see below:

 

PR's (1)

Chapter bk - due to fall off 9/2015...1 more year and it's gone!

2009 Tax Lien - received certificate of release and I sent a letter to IRS on 5/7/14 to remove it - pending GONE!!!

 

Collections (13 - all unpaid)

MCI/Verizon - Cell $59 - due to fall off 11/2015...will dispute shortly

Enhanced Recovery - Cable bill $212 - due to fall off 4/2016...working on

Midland Funding - NFCU $7677 - due to fall off 8/2016

Enhanced Recovery - ATT bill $105 - due to fall off 11/2016

The CBE Group - Utility bill $226 - due to fall off 1/2017...working on

Hunter Warfield - Rental/Leasing bill $2374 - due to fall off 6/2017...may PFD

Progressive Mgmt - Medical $15,792 - due to fall off 8/2017...may HIPPA

Allied Collection Svcs - Medical $676 - due to fall off 9/2017...may HIPPA

Credit Bureau Central - Utility bill $99 - due to fall off 9/2017

Kenneth Eisen & Assoc - Cable bill $85 - due to fall off 9/2017

CMI - Medical $539 - due to fall off 10/2017...may HIPPA

AD Astra Recovery - pay day loan $180 - due to fall off 8/2019...may PFD

AD Astra Recovery - pay day loan $304 - due to fall of 8/2019...may PFD

AD Astra Recovery - pay day loan $240 - due to fall off 8/2019...may PFD

AD Astra Recovery - pay day loan $567 - due to fall off 8/2019...may PFD

Sentry Recovery - Rental/Leasing bill $2968 - due to fall off 2/2020...may PFD

 

Charge-offs (13 - all unpaid)

Global Payments $535 - due to fall off 8/2015...soon!

CCCU $2416 - due to fall off 6/2016...may PFD

NFCU Visa $5226 - due to fall off 7/2016

NFCU MC $5173 - due to fall off 7/2016

NFCU MC (Joint) $0 - due to fall off 7/2016

NFCU LOC $0 - due to fall off 8/2016

Merrick Bank $2007 - due to fall off 11/2016...may PFD

Barclays $2205 - due to fall off 12/2016...may PFD

CreditOne Bank $0 - due to fall of 12/2016...may PFD

Capital One $2497 - due to fall off 1/2017...may PFD

NFCU car loan $0 - due to fall off 10/2017

NFCU truck loan $0 - due to fall off 12/2017

First Premier $918 - due to fall off 11/2018 (this account has been rehabbed with a $900 CL)

 

Not touching NFCU for now. I am trying to see how many baddies I can get removed by the time my bk falls off in Sept 2015. Wish me luck!

I have my certificates of releases from the IRS. I had 3 liens. They were for 127,000, 7337.00, and 2993.00 the total was for a whopping 137,000. They accepted my offer and compromise for 10,000. I was jumping for joy and thanking God when they did. I paid it off in 6 months. I have been approved for a withdrawal. I was waiting on the withdrawal papers from them before I disputed. But now after seeing this I may go ahead and dispute with the CRA's with just my releases and a copy of the approval letter from the IRS. Did you dispute all 3 CRA's?[/quote

 

I got my release, then applied for withdrawal which was accepted. I then went online to check my county records and it said it was cancelled. Then I sent a letter to all 3 CRAs. TU and EX deleted but I had to dispute online after with EX again and then it was gone. I have it documented in the irs tax sticky above. Good luck!

[Positivemotion]

Nice start! Good luck with the rest!

Thanks! Long road ahead but I am taking it one day at a time and will be adding new tradelines as well.

[scrubs]

I file in early 2009 ch 7. after 5 yrs I can say it was the best decision I have made. because of cb and other sites I have learn so much about credit and living within my means and I have so credit almost 100,000 dollars avail. before bk paiding everything in cash and zero cc couldn't get any credit to save my life. I hope you will do better this time around stick with cb and learn and you will do fine.

 

As for navy my advice is if you have direct deposit close it down before you file for bk. navy does not forgive once you burned them and they will keep you money for along time before giving it back to you. navy will not let you back in. also I hope you got into navy the right way, what I mean you did not lied on the application to get into nfcu because once they receive bk on their end navy will send it to their the fraud dept and will go over everything you ever did like loans, cc of etc. with a fine tooth comb.