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Used to be a regular here a few years ago... 

In the last few years I went through chemo and a divorce... which led to a chapter 13, then a conversion to a 7

I burned

Navy really bad

Capital one really really bad

A slew of credit unions

Barclay

Comenity 

Ge

That turd nba card 

And probably a few others I can't even remember 

Yes I made sure they were all maxed because why not

Debating on making this a journal of some sort

 

The day I was discharged,  I got a mission lane invite

Approved 1k

Apped military star 4450

Current tu is 680

I did discover a glitch of some sort

If you app a turd card and never pay the fee or activate the card, it will report but they can't charge a late fee or Really anything.... you'll just get a bill for the af that you can throw away... I'll find the issuer when I get a chance

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This will make a great journal and one hell of a credit education thread!

 

So ...

 

What was Navy like when you first defaulted?  What about CapOne?  They must have been exceptionally pissed because you had huge limits with them.

 

Can you elaborate on what each creditor was like and their actions up until you filed BK?

 

What were they like after you filed BK?  I mean, they should just STFU and go away after you file, right?  Is that what happened?

 

Have you tried getting stuff removed from the credit reports yet?

 

Was Military Star an easy app?  No problems?

 

Any other apps?

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Military star was the easiest I've ever done...

Navy Barclay and cap one started with the calls on day one....

I turned them into interesting conversations as when I was going through chemo it was a bad idea to leave the house....

The only one I really had an issue with was forum credit union....

They sued immediately and spent a Substantial amount of money in the process.... they collected nothing for their trouble...

 

The mission lane sent me an invite before I was even discharged 

 

The good star is that the car i had financed and discharged,  the lender never came to collect.

.. I've put 15,000 miles on it at least... turbo go vrooom

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10 hours ago, mrjuggalo9er said:

Military star was the easiest I've ever done...

Navy Barclay and cap one started with the calls on day one....

I turned them into interesting conversations as when I was going through chemo it was a bad idea to leave the house....

The only one I really had an issue with was forum credit union....

They sued immediately and spent a Substantial amount of money in the process.... they collected nothing for their trouble...

 

The mission lane sent me an invite before I was even discharged 

 

The good star is that the car i had financed and discharged,  the lender never came to collect.

.. I've put 15,000 miles on it at least... turbo go vrooom

 

Nice that Military Star is smart.  I mean, BK is the only way to get rid of them and now they know you are safe for another seven years or more.  Seems very reasonable.

 

Didn't know that Forum CU were such richards.  Guess maybe they learned a lesson, no?  

 

Can you keep the car forever if they never come for it?  That would be really nice.

 

Juggs, you should have recorded the calls with CapOne and Navy.  How were they?  Abusive?  Nice?  

 

Where do you stand now on cleaning up the credit reports?  Any success?  Difficulties?  

 

What targets are you looking at now?  Will Synchrony blacklist you?  Any others that you haven't burned?  AmEx?

Edited by PotO
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On 10/15/2020 at 11:05 PM, PotO said:

 

Nice that Military Star is smart.  I mean, BK is the only way to get rid of them and now they know you are safe for another seven years or more.  Seems very reasonable.

 

Didn't know that Forum CU were such richards.  Guess maybe they learned a lesson, no?  

 

Can you keep the car forever if they never come for it?  That would be really nice.

 

Juggs, you should have recorded the calls with CapOne and Navy.  How were they?  Abusive?  Nice?  

 

Where do you stand now on cleaning up the credit reports?  Any success?  Difficulties?  

 

What targets are you looking at now?  Will Synchrony blacklist you?  Any others that you haven't burned?  AmEx?

I am black listed by so many creditors that I really don't know who to apply for....

Capone  was arguably abusive but I found it entertaining

 

From what I'm told I can keep the car until they attempt to come and get it....its not worth it for them honestly 

 

Navy was special in that my ex decided she wanted to be a joint account holder...I mailed them a $1 payment to renew the dola so she could enjoy all they have to offer... they are currently suing her... best $1 I ever spent

 

There's nobody i know of to apply for... after November everything i own will be paid off... 

Scores are between 632 and 691

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1 hour ago, mrjuggalo9er said:

I am black listed by so many creditors that I really don't know who to apply for....

Capone  was arguably abusive but I found it entertaining

 

From what I'm told I can keep the car until they attempt to come and get it....its not worth it for them honestly 

 

Navy was special in that my ex decided she wanted to be a joint account holder...I mailed them a $1 payment to renew the dola so she could enjoy all they have to offer... they are currently suing her... best $1 I ever spent

 

There's nobody i know of to apply for... after November everything i own will be paid off... 

Scores are between 632 and 691


How was CapOne abusive?  I can imagine it would be entertaining.  👏🏻

 

That was a genius move with the $1 at Navy!  Best revenge ever.  😂 

 

What is your rebuild plan?  I never paid attention to which banks are BK friendly.  What about PenFed?  USAA?  

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  • 6 months later...
On 10/14/2020 at 11:08 PM, mrjuggalo9er said:

Used to be a regular here a few years ago... 

In the last few years I went through chemo and a divorce... which led to a chapter 13, then a conversion to a 7

 

wow. Missed this. Sorry to read about this. And like many credit unions - Forum is very aggressive on loss mitigation as you found out. They have no problem in cross-collateralization and offsetting deposits to cover debts.

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On 10/20/2020 at 11:06 AM, mrjuggalo9er said:

Navy was special in that my ex decided she wanted to be a joint account holder...I mailed them a $1 payment to renew the dola so she could enjoy all they have to offer... they are currently suing her... best $1 I ever spent

 

 

 

This is the PETTIEST thing I have ever seen.... and I love you for it!!

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  • 2 weeks later...
On 5/11/2021 at 6:09 PM, IndyPoolPlayer said:

 

wow. Missed this. Sorry to read about this. And like many credit unions - Forum is very aggressive on loss mitigation as you found out. They have no problem in cross-collateralization and offsetting deposits to cover debts.

I think I owed them close to 10k or so.... they placed a lein on my home that I was selling...I offered them 1k to withdraw the lein... they refused so I paid so d $400 to have the lein included in the bk... they got nothing

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On 5/11/2021 at 6:09 PM, IndyPoolPlayer said:

 

wow. Missed this. Sorry to read about this. And like many credit unions - Forum is very aggressive on loss mitigation as you found out. They have no problem in cross-collateralization and offsetting deposits to cover debts.

Moved to traverse city,  MI btw

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  • 2 weeks later...
5 hours ago, mrjuggalo9er said:

So far

Mission lane

Wal mart non store card

Qs

And some other card I can't recall the name of

None have fees

Hey, you... call me when you get a chance.

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This thread brings back Cap1 memories for me. I can vouch for the calls starting day one. I remember once SOL was past, they tried one last Hail Mary pass to get me on the hook again.. They sent me a regular CC statement for the full amount owed. Close to $20k. With a minimum monthly payment of around $200. Of course I ignored it. Couple of months after that, they sent me a pre approval for a QS. Instant approval for $1k.........and that's when I began to rebuild.

 

 

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5 hours ago, TheVig said:

This thread brings back Cap1 memories for me. I can vouch for the calls starting day one. I remember once SOL was past, they tried one last Hail Mary pass to get me on the hook again.. They sent me a regular CC statement for the full amount owed. Close to $20k. With a minimum monthly payment of around $200. Of course I ignored it. Couple of months after that, they sent me a pre approval for a QS. Instant approval for $1k.........and that's when I began to rebuild.

 

 

Sometimes when I'm bored on lake Michigan I remember all the friendly calls

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  • 2 weeks later...
On 5/30/2021 at 11:26 PM, mrjuggalo9er said:

Moved to traverse city,  MI btw

 

 

omg, I missed this the first time around.  TC's my home town ('68 - '82).  Wife's was born in TC (Munson Hospital).

 

I can envision the sweet "summer breeze" coming in from the bay this morning ... heaven.

 

eta:  Ok, see you have showers this morning.  < still heaven >

Edited by hdporter
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14 hours ago, hdporter said:

 

 

omg, I missed this the first time around.  TC's my home town ('68 - '82).  Wife's was born in TC (Munson Hospital).

 

I can envision the sweet "summer breeze" coming in from the bay this morning ... heaven.

 

eta:  Ok, see you have showers this morning.  < still heaven >

It is my heaven..... come visit, it's still as beautiful as ever

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