| Posts by DebtCruncher |
| Posting date
| Subject
|
| Posted: Mon Aug 18 16:59:15 2008 |
When you voluntarily surrender a car, they will .. |
| Posted: Mon Aug 18 16:50:35 2008 |
I'm a little late to the conversation, sorry bout .. |
| Posted: Fri Aug 15 20:32:29 2008 |
The fact that CRAs have employment data is a key .. |
| Posted: Fri Aug 15 19:47:29 2008 |
I've never gone bankrupt so I can't say. I've .. |
| Posted: Fri Aug 15 16:55:22 2008 |
I'm sorry to hear of your situation. It is a .. |
| Posted: Tue Aug 12 19:45:39 2008 |
They only have a lien on the car ... not your .. |
| Posted: Tue Aug 12 19:33:03 2008 |
I found this on the State of IL DFI Licensees .. |
| Posted: Tue Aug 12 19:23:31 2008 |
Yeah you can call and have yourself removed. .. |
| Posted: Tue Aug 12 19:14:54 2008 |
I know they process many, many payments - and .. |
| Posted: Sun Aug 10 19:40:19 2008 |
There is no federal cap on interest (excepting a .. |
| Posted: Sun Aug 10 19:31:17 2008 |
If there is third-party involvement, then the .. |
| Posted: Mon Jul 28 20:23:14 2008 |
The state AG's don't want to get too involved .. |
| Posted: Mon Jul 28 20:14:07 2008 |
The lender financing the car has primary rights .. |
| Posted: Mon Jul 28 19:57:15 2008 |
Some CA's report all of their accounts every .. |
| Posted: Thu Jul 24 18:13:45 2008 |
From .. |
| Posted: Wed Jul 23 22:21:37 2008 |
They do have to follow the rules in disposition .. |
| Posted: Wed Jul 23 19:35:31 2008 |
Some states are good about child support .. |
| Posted: Wed Jul 23 19:21:34 2008 |
I do rebates. But they are a pain in the @$$ .. |
| Posted: Wed Jul 23 19:16:37 2008 |
Experian, Inc.
701 Experian Parkway
P.O. Box .. |
| Posted: Wed Jul 23 19:09:43 2008 |
Yes they can. But storefronts are usually .. |
| Posted: Wed Jul 23 19:04:36 2008 |
Ladybug - for the OC, only state laws can limit .. |
| Posted: Wed Jul 23 19:00:23 2008 |
Hey great job! What a nice welcome-back .. |
| Posted: Wed Jul 23 18:58:11 2008 |
I used to watch the golden girls when I was .. |
| Posted: Wed Jul 23 18:46:19 2008 |
Generally the only lienholder(s) who can initiate .. |
| Posted: Wed Jul 23 18:38:36 2008 |
Don't want to get too technical here, but before .. |
| Posted: Tue Jul 22 1:34:09 2008 |
Under certain conditions, a debtor could land .. |
| Posted: Mon Jul 21 4:49:08 2008 |
FDIC is a form of government insurance; it only .. |
| Posted: Sun Jul 20 6:52:20 2008 |
The way it stands now, they are charging you .. |
| Posted: Fri Jul 18 17:18:43 2008 |
Well, that's good that you talked to him and he .. |
| Posted: Thu Jul 17 20:42:46 2008 |
As you can read above, furnisher's who .. |
| Posted: Thu Jul 17 15:09:13 2008 |
No problem, and let us know how it goes.
I .. |
| Posted: Thu Jul 17 14:54:37 2008 |
I know it doesn't take a rocket scientist to .. |
| Posted: Thu Jul 17 14:23:50 2008 |
Re #2, see .. |
| Posted: Wed Jul 16 17:29:11 2008 |
apply to checks written to repay a debt. Writing .. |
| Posted: Tue Jul 15 20:54:13 2008 |
The highway patrol by me likes to speed .. |
| Posted: Tue Jul 15 17:19:43 2008 |
How long ago did you buy the car, and when did .. |
| Posted: Mon Jul 14 21:08:02 2008 |
I found this by looking around....
you can use .. |
| Posted: Mon Jul 14 20:57:23 2008 |
Exactly. That is why you will never see .. |
| Posted: Mon Jul 14 20:32:52 2008 |
Sorry, I admit that i'm a speeder.
I say if .. |
| Posted: Mon Jul 14 17:56:40 2008 |
The other compounding factor is where did you .. |
| Posted: Mon Jul 14 17:39:32 2008 |
Small world ....
My family and I have lived .. |
| Posted: Mon Jul 14 17:36:25 2008 |
I just sent her a PM. Hopefully she'll stick .. |
| Posted: Mon Jul 14 17:11:21 2008 |
Well........ It depends whether your state laws .. |
| Posted: Mon Jul 14 16:54:56 2008 |
I've often wondered where Lorri ever went to. .. |
| Posted: Sun Jul 13 21:13:53 2008 |
The Federal cap is 25%. Some states further .. |
| Posted: Sun Jul 13 21:03:16 2008 |
Oh the bureaus would be mad if they seen those .. |
| Posted: Sun Jul 13 20:47:04 2008 |
Title loans are specifically exempt from IL .. |
| Posted: Sun Jul 13 20:20:38 2008 |
Yeah it's called a voluntary ammortization of .. |
| Posted: Sat Jul 12 13:42:02 2008 |
Sorry I don't have a specific answer where to .. |
| Posted: Sat Jul 12 12:53:21 2008 |
There used to be a long time ago, I remember .. |
| Posted: Sat Jul 12 2:58:10 2008 |
It depends what state you're in. Each state will .. |
| Posted: Fri Jul 11 17:38:29 2008 |
Credit cards usually will do an account review .. |
| Posted: Fri Jul 11 5:03:15 2008 |
The emoticons will insert text, like . But when .. |
| Posted: Fri Jul 11 5:00:03 2008 |
I guess this depends on the employer -- but I .. |
| Posted: Thu Jul 10 20:34:40 2008 |
It is not a separate letter; it is all written .. |
| Posted: Thu Jul 10 5:42:08 2008 |
I played around with Microsoft Money several .. |
| Posted: Mon Jul 7 19:12:28 2008 |
Restrictive endorsements generally are part of .. |
| Posted: Thu Jul 3 5:39:45 2008 |
Just don't announce her as goldenb, as I recall, .. |
| Posted: Thu Jul 3 5:34:43 2008 |
All kidding aside, I personally do not think that .. |
| Posted: Thu Jul 3 5:20:32 2008 |
So sorry to hear about your mom.
Just like a .. |
| Posted: Thu Jul 3 5:09:01 2008 |
You should check your state laws regarding .. |
| Posted: Tue Jul 1 21:34:03 2008 |
... Maybe it got some extra votes for .. |
| Posted: Tue Jul 1 5:18:52 2008 |
My county (Cook) and the City of Chicago now has .. |
| Posted: Mon Jun 30 18:11:59 2008 |
While you are in the plan, it mainly depends .. |
| Posted: Mon Jun 30 17:58:01 2008 |
No, it should not get re-aged. The account .. |
| Posted: Mon Jun 30 5:14:51 2008 |
I've never actually used a defense in court. I .. |
| Posted: Mon Jun 30 4:42:47 2008 |
A voluntary surrender is where you actually drive .. |
| Posted: Mon Jun 30 4:38:51 2008 |
Now I see that everthing is automatically bold .. |
| Posted: Mon Jun 30 4:37:30 2008 |
I liked the number of posts since last login, .. |
| Posted: Sun Jun 29 20:47:24 2008 |
Within a tradeline, accounts have different .. |
| Posted: Sun Jun 29 8:54:07 2008 |
The SOL is a little tricky in that it is not .. |
| Posted: Sun Jun 29 8:34:43 2008 |
40% is a pretty lowball number. I won't say it's .. |
| Posted: Sun Jun 29 8:14:59 2008 |
Unfortunately that's just the way it is - .. |
| Posted: Sat Jun 28 20:51:31 2008 |
They don't have to remove it from your credit, .. |
| Posted: Fri Jun 27 4:44:02 2008 |
Yeah I had to do a double-take and make sure I .. |
| Posted: Thu Jun 26 16:13:46 2008 |
Lawyer's do make more money on a 13 than a 7. .. |
| Posted: Tue Jun 24 5:31:41 2008 |
I want to clarify that a security interest the .. |
| Posted: Tue Jun 24 5:19:50 2008 |
It is a consequence of letting the account .. |
| Posted: Mon Jun 23 21:05:52 2008 |
In what way did she put you on the account Did .. |
| Posted: Mon Jun 23 21:00:14 2008 |
Yes -- only you, Transunion, and other employers .. |
| Posted: Mon Jun 23 20:44:13 2008 |
I just got this from .. |
| Posted: Mon Jun 23 20:36:52 2008 |
If they make an inquiry, it will show up .. |
| Posted: Mon Jun 23 18:50:27 2008 |
There are some attorneys that will file with only .. |
| Posted: Mon Jun 23 2:54:30 2008 |
The US is very creditor-friendly, many states .. |
| Posted: Sun Jun 22 13:45:59 2008 |
Yeah, unclaimed property is run by the states, .. |
| Posted: Sun Jun 22 13:30:18 2008 |
I'm pretty sure there is a Schedule for all your .. |
| Posted: Sun Jun 22 13:18:13 2008 |
They might, they might not. It depends on the .. |
| Posted: Sat Jun 21 13:10:30 2008 |
Sorry ladybug, I don't know very much about .. |
| Posted: Sat Jun 21 9:06:57 2008 |
This is a common problem. My experience with my .. |
| Posted: Sat Jun 21 8:46:29 2008 |
You do have a point, UnemployedRon, which I'm not .. |
| Posted: Sat Jun 21 8:17:56 2008 |
Sorry to hear that your products didn't work as .. |
| Posted: Sat Jun 21 7:58:57 2008 |
Yes, the FDCPA only applies to consumer debts. .. |
| Posted: Sat Jun 21 7:32:34 2008 |
Like others, I can't see what valid reason they .. |
| Posted: Sat Jun 21 7:17:44 2008 |
Since you merely live with that person, you don't .. |
| Posted: Sat Jun 21 7:01:11 2008 |
No problem. It would be different if the .. |
| Posted: Sat Jun 21 6:48:17 2008 |
"If you want something done right, you .. |
| Posted: Fri Jun 20 18:57:13 2008 |
Like Dollars said, they probably won't ever .. |
| Posted: Fri Jun 20 18:44:20 2008 |
Desperately - If the case is ongoing, then yes .. |
| Posted: Fri Jun 20 18:33:28 2008 |
I would think that since it was a sole .. |
| Posted: Fri Jun 20 18:20:56 2008 |
They won't take onesies and twosies ... You would .. |
| Posted: Fri Jun 20 4:43:37 2008 |
You can keep disputing it on your credit report. .. |
| Posted: Fri Jun 20 4:40:57 2008 |
A lot of times when you go bankrupt, if they do .. |
| Posted: Thu Jun 19 5:01:16 2008 |
Oh so sorry to hear of that Sue! I never knew .. |
| Posted: Wed Jun 18 18:31:18 2008 |
It probably was charged off. But they haven't .. |
| Posted: Wed Jun 18 18:14:36 2008 |
The store cards work a little differently than .. |
| Posted: Wed Jun 18 17:46:18 2008 |
When you return a car the finance company sells .. |
| Posted: Tue Jun 17 17:08:09 2008 |
I tend to say that authorized users are merely .. |
| Posted: Tue Jun 17 16:34:30 2008 |
I wonder how you've made so many payments and the .. |
| Posted: Tue Jun 17 16:09:37 2008 |
Please avoid making duplicate threads for the .. |
| Posted: Mon Jun 16 17:02:13 2008 |
As long as it is a joint account, it is just as .. |
| Posted: Sun Jun 15 18:26:26 2008 |
They only way they could go after your wife's .. |
| Posted: Sun Jun 15 8:50:46 2008 |
If it's not yours, then I wouldn't worry too .. |
| Posted: Sat Jun 14 14:19:53 2008 |
The court is not a collector; it only provides a .. |
| Posted: Sat Jun 14 10:15:46 2008 |
Well, offhand, the GLBA is a Federal Law. It .. |
| Posted: Sat Jun 14 9:37:36 2008 |
Like everyone above has mentioned, it is a .. |
| Posted: Sat Jun 14 9:24:08 2008 |
I think that your AG probably has a complaint .. |
| Posted: Fri Jun 13 16:41:04 2008 |
Another thing to consider... if they perform any .. |
| Posted: Fri Jun 13 16:35:03 2008 |
Truth be told, a company doesn't actually need a .. |
| Posted: Thu Jun 12 17:31:10 2008 |
I don't know of any internet PDLs that take car .. |
| Posted: Thu Jun 12 17:10:16 2008 |
Already deleted about 10 of .. |
| Posted: Wed Jun 11 17:42:13 2008 |
What a bummer! Has it been long enough to assume .. |
| Posted: Wed Jun 11 5:01:28 2008 |
The fact that the credit card is closed, of .. |
| Posted: Wed Jun 11 4:39:47 2008 |
All the above is true; the creditor is not .. |
| Posted: Tue Jun 10 5:05:28 2008 |
PS while we're talking about Linux (a little off .. |
| Posted: Tue Jun 10 4:52:20 2008 |
I thought you could change your username in your .. |
| Posted: Sun Jun 8 11:34:40 2008 |
I guess I missed a lot - or a lot was deleted - .. |
| Posted: Sun Jun 8 11:24:34 2008 |
That's okay -- I'm glad there's a reason for it. .. |
| Posted: Sun Jun 8 10:59:47 2008 |
This is more of a technical question...
I .. |
| Posted: Fri Jun 6 17:29:59 2008 |
First, with credit cards it doesn't matter. .. |
| Posted: Thu Jun 5 7:12:47 2008 |
Spammer is hitting the boards. Seems like a bot, .. |
| Posted: Thu Jun 5 6:51:14 2008 |
Tania, I don't think you can usually stop the .. |
| Posted: Thu Jun 5 6:42:32 2008 |
Like Goudah said, all states have different laws. .. |
| Posted: Thu Jun 5 6:26:48 2008 |
Let's touch on the word "courtesy" for .. |
| Posted: Thu Jun 5 5:38:16 2008 |
Back to the actual question...
Certain loans .. |
| Posted: Thu Jun 5 5:13:37 2008 |
I haven't had an NSF since 2003 ... and that was .. |
| Posted: Wed Jun 4 20:09:03 2008 |
A CA has to file where you live; that is required .. |
| Posted: Wed Jun 4 19:58:12 2008 |
Well, I'm not quite sure why they're not acting .. |
| Posted: Wed Jun 4 5:34:00 2008 |
A verbal agreement that meets the requirements of .. |
| Posted: Wed Jun 4 5:09:10 2008 |
I want to interject one moment.
There is a .. |
| Posted: Wed Jun 4 4:53:10 2008 |
In an industry that doesn't run credit checks, .. |
| Posted: Fri May 30 0:44:27 2008 |
I don't think the credit card companies have that .. |
| Posted: Mon May 26 8:30:49 2008 |
I would think it would paramount to surrendering .. |
| Posted: Mon May 26 8:23:33 2008 |
Congrats wulf, you deserve it. I'm over here .. |
| Posted: Sun May 25 9:08:54 2008 |
Good job Sue, I second.
The problem with .. |
| Posted: Sun May 25 8:56:21 2008 |
There are finance companies out there that will .. |
| Posted: Sun May 25 8:37:57 2008 |
Wulf is right on the Lemon Laws. Generally, any .. |
| Posted: Sun May 25 8:22:38 2008 |
It mainly depends whether the OC is making those .. |
| Posted: Thu May 22 19:18:40 2008 |
I need you to be a little more specific when you .. |
| Posted: Thu May 22 18:29:22 2008 |
I think so too. I thought he was a mod .. |
| Posted: Thu May 22 18:18:27 2008 |
I delete when there is spam, whether it is a .. |
| Posted: Thu May 22 17:43:48 2008 |
You have to own something before they can take .. |
| Posted: Wed May 21 6:18:00 2008 |
Here Tania I found this for you:
Name: ERMI .. |
| Posted: Tue May 20 18:12:02 2008 |
Adding positive tradelines will always help your .. |
| Posted: Tue May 20 17:53:04 2008 |
As long as you carry the debts individually for a .. |
| Posted: Tue May 20 17:38:18 2008 |
Oh I didn't catch that it was a legal issue. You .. |
| Posted: Tue May 20 17:28:58 2008 |
Because credit cards are a revolving balance, any .. |
| Posted: Tue May 20 17:13:52 2008 |
That's just rather odd, because I've never seen .. |
| Posted: Sun May 18 20:04:01 2008 |
I've never seen any specific laws that say they .. |
| Posted: Sun May 18 19:56:17 2008 |
My .02 are that this site and its forums are not .. |
| Posted: Sun May 18 19:53:46 2008 |
Sometimes I use big words just so it appears I .. |
| Posted: Sun May 18 18:37:04 2008 |
Can it be so simple that you're referring to the .. |
| Posted: Sun May 18 18:28:13 2008 |
I played around with the password reset a little. .. |
| Posted: Sun May 18 14:32:13 2008 |
Normally I think it would be filed after the .. |
| Posted: Sun May 18 14:20:19 2008 |
"... do I look fat in .. |
| Posted: Sat May 17 20:30:58 2008 |
When I was in grade school, I was able to get .. |
| Posted: Fri May 16 17:22:46 2008 |
I don't think DV could be harmful, you have more .. |
| Posted: Thu May 15 8:30:02 2008 |
Yeah, the search is at the very top, right corner .. |
| Posted: Thu May 15 8:22:00 2008 |
Well, I didn't really say that much ... If the OC .. |
| Posted: Thu May 15 8:14:34 2008 |
I know that in some states, the utility can .. |
| Posted: Thu May 15 4:58:07 2008 |
You're talking about these letters that don't .. |
| Posted: Thu May 15 4:44:58 2008 |
Student loans are a liability.
The tax on .. |
| Posted: Wed May 14 18:07:58 2008 |
You need a period of time (t) in order to .. |
| Posted: Wed May 14 17:33:23 2008 |
A) The original creditor can report the account .. |
| Posted: Tue May 13 5:27:54 2008 |
I guess I'm glad I only have $9k left with the .. |
| Posted: Tue May 13 5:10:16 2008 |
The atrophy and logic described in this post is .. |
| Posted: Tue May 13 4:58:26 2008 |
Good Job .. |
| Posted: Mon May 12 18:13:53 2008 |
Soaplady I've got a few questions
Aren't some .. |
| Posted: Mon May 12 18:06:32 2008 |
The key is that the creditor still owns the debt, .. |
| Posted: Sun May 11 19:13:42 2008 |
LOL that definitely is .. |
| Posted: Sun May 11 8:00:03 2008 |
I got mine May 9 too.
I opened my mail .. |
| Posted: Sun May 11 7:52:02 2008 |
Good Fins, I think you'll feel good wearing them. .. |
| Posted: Sat May 10 17:58:57 2008 |
I say wear em fins, it'll be a hoot and you'll be .. |
| Posted: Sat May 10 17:05:20 2008 |
Is it adds, or is it the sidebar that is .. |
| Posted: Sat May 10 16:57:03 2008 |
Have you filed a bankrupcty And did you .. |
| Posted: Sat May 10 14:51:56 2008 |
It can be done; I've had a lot of my customer's .. |
| Posted: Sat May 10 8:33:16 2008 |
I personally think that the difference between .. |
| Posted: Sat May 10 8:16:08 2008 |
Keep in contact with them; explain your situation .. |
| Posted: Sat May 10 8:06:36 2008 |
Thanks, Jason, for your quick response and .. |
| Posted: Fri May 9 23:47:38 2008 |
You might confront your sister about this first. .. |
| Posted: Fri May 9 20:15:02 2008 |
The APR they have to disclose is actually the .. |
| Posted: Fri May 9 19:58:25 2008 |
Correct, you'll never get your scores for free .. |
| Posted: Fri May 9 19:40:28 2008 |
Sorry I missed the group hug but now it's my time .. |
| Posted: Fri May 9 17:48:41 2008 |
In spirit, this was a good gesture by the admin. .. |
| Posted: Fri May 9 17:14:27 2008 |
========EDIT===================
I split this .. |
| Posted: Fri May 9 17:06:57 2008 |
annualcreditreport.com
This is the official .. |
| Posted: Fri May 9 16:48:40 2008 |
They are more interested in getting paid than .. |
| Posted: Fri May 9 16:36:45 2008 |
The FCRA only requires that information be .. |
| Posted: Thu May 8 20:20:17 2008 |
SD in your case it is the CA reporting, not the .. |
| Posted: Thu May 8 20:10:04 2008 |
First of all, every state is different ... I am .. |
| Posted: Thu May 8 18:23:12 2008 |
Hi xray,
It's kind of like buying a used car .. |
| Posted: Thu May 8 18:07:13 2008 |
Yes. That would just mean the account was .. |
| Posted: Thu May 8 17:50:35 2008 |
Most car finance companies will not work with .. |
| Posted: Wed May 7 20:55:56 2008 |
Yep. When a subordinant purchaser buys that .. |
| Posted: Wed May 7 20:49:53 2008 |
kscornell - certainly! I remember Doug Danger, .. |
| Posted: Wed May 7 16:47:07 2008 |
FYI, absolutely. Anyone who replies to a troll .. |
| Posted: Wed May 7 16:40:33 2008 |
JCEMT - you are absolutely, 100% .. |
| Posted: Tue May 6 5:33:26 2008 |
You could call him in as a witness. He is .. |
| Posted: Tue May 6 5:28:31 2008 |
yes ... and .. |
| Posted: Mon May 5 18:48:23 2008 |
Well, like Shazzers said, if they didn't follow .. |
| Posted: Mon May 5 17:20:06 2008 |
If your wife owns that checking account by .. |
| Posted: Mon May 5 6:01:12 2008 |
Verbal contracts will hold up ... the only .. |
| Posted: Sun May 4 7:37:10 2008 |
I know that it is very easy to have the .. |
| Posted: Sun May 4 7:06:02 2008 |
OR... I don't know how the system dictates what .. |
| Posted: Sun May 4 7:02:57 2008 |
Hey Cajun, glad to see you're back. When Denny .. |
| Posted: Sun May 4 6:55:45 2008 |
You should call and ask for their fraud .. |
| Posted: Thu May 1 4:41:25 2008 |
It tends to be just when you're using an .. |
| Posted: Wed Apr 30 5:23:24 2008 |
I forgot that in Wisconsin they do let you keep .. |
| Posted: Wed Apr 30 5:02:17 2008 |
Hey FYI, sounds like a good plan to sit down with .. |
| Posted: Tue Apr 29 17:50:19 2008 |
I'm sorry to say, they're not going to just hand .. |
| Posted: Tue Apr 29 17:18:34 2008 |
Most states adopt the UCC, which governs secured .. |
| Posted: Mon Apr 28 6:03:59 2008 |
There is a federal cap at 25% of your gross .. |
| Posted: Mon Apr 28 4:46:22 2008 |
It all depends. If you file a 7, you will not .. |
| Posted: Sun Apr 27 20:39:37 2008 |
No problem, and I'm not trying to scold, you're .. |
| Posted: Sun Apr 27 20:28:56 2008 |
When the A/C is running, it engages a clutch on .. |
| Posted: Sun Apr 27 20:06:24 2008 |
I see the other ones where you deleted and left .. |
| Posted: Sun Apr 27 20:01:19 2008 |
That's definitely an advertisement. YOu have my .. |
| Posted: Sun Apr 27 18:04:45 2008 |
Just think, when you can get yourself out of the .. |
| Posted: Sun Apr 27 17:41:39 2008 |
I wonder how long has this been going on How .. |
| Posted: Sun Apr 27 17:00:41 2008 |
There are varying levels of collection. At its .. |
| Posted: Sun Apr 27 7:50:35 2008 |
Has your co-worker checked her credit report .. |
| Posted: Sat Apr 26 19:23:25 2008 |
Shazzers I added you. I agree, Wiki is a whole .. |
| Posted: Sat Apr 26 12:51:52 2008 |
And Goudah is correct on her issue. Simply .. |
| Posted: Sat Apr 26 12:29:45 2008 |
I hope I didn't overstep my bounds by adding some .. |
| Posted: Sat Apr 26 8:10:41 2008 |
I fixed it for you fins. It's more of a cut .. |
| Posted: Fri Apr 25 20:59:34 2008 |
I stand to eat my words (sorry .. |
| Posted: Fri Apr 25 20:39:17 2008 |
It's been a while since I read the bankruptcy .. |
| Posted: Fri Apr 25 20:21:20 2008 |
My gas tank door used to only open by pressing .. |
| Posted: Fri Apr 25 18:10:47 2008 |
Creditors usually do have state laws that they .. |
| Posted: Fri Apr 25 17:50:27 2008 |
It is legal for Chase to report their tradeline, .. |
| Posted: Fri Apr 25 6:57:24 2008 |
First, because you have never/do not live in a .. |
| Posted: Fri Apr 25 6:31:01 2008 |
There are two avenues for disputing your credit .. |
| Posted: Fri Apr 25 6:23:49 2008 |
antivirkaspersky7 has been zapped ... for .. |
| Posted: Fri Apr 25 6:19:11 2008 |
However, if the CU sends the bad checks to a CA .. |
| Posted: Fri Apr 25 6:04:40 2008 |
The best alternative is to "not" borrow .. |
| Posted: Fri Apr 25 5:27:08 2008 |
That's a great idea! (as I pat myself on the .. |
| Posted: Fri Apr 25 5:05:37 2008 |
That would really be up to your employer, whether .. |
| Posted: Fri Apr 25 4:50:14 2008 |
Well, they are doing business in your state of .. |
| Posted: Thu Apr 24 18:13:27 2008 |
I just went to re-read that part of the FDCPA, .. |
| Posted: Thu Apr 24 17:45:37 2008 |
A lawsuit would likely get discharged in a .. |
| Posted: Wed Apr 23 17:44:44 2008 |
Wow.
First, AT&T is in the wrong for .. |
| Posted: Wed Apr 23 16:47:54 2008 |
It depends how old it is and what their policies .. |
| Posted: Wed Apr 23 5:38:09 2008 |
Another thing you could do is to set call .. |
| Posted: Wed Apr 23 5:10:16 2008 |
It's not easy to convince a judge about the .. |
| Posted: Tue Apr 22 5:25:43 2008 |
For the most part, you're right. To file a suit .. |
| Posted: Mon Apr 21 18:00:43 2008 |
Report Spam Here .. |
| Posted: Mon Apr 21 17:50:45 2008 |
A Bot aka Clara Jones is hitting the forums with .. |
| Posted: Mon Apr 21 17:44:59 2008 |
Clara is hitting all the forums I don't mod .. |
| Posted: Mon Apr 21 17:43:13 2008 |
Report Spam Here .. |
| Posted: Mon Apr 21 17:42:55 2008 |
Report Spam Here .. |
| Posted: Mon Apr 21 17:42:34 2008 |
Report Spam Here .. |
| Posted: Mon Apr 21 17:36:43 2008 |
As FYI said, a CA should not call you if they .. |
| Posted: Mon Apr 21 17:02:42 2008 |
As a sole proprietorship or (general) .. |
| Posted: Mon Apr 21 4:41:28 2008 |
You're right, it wouldn't make sense for the 2nd .. |
| Posted: Sun Apr 20 7:10:48 2008 |
Because the bankruptcy laws preempted them from .. |
| Posted: Sun Apr 20 6:12:22 2008 |
This isn't a very big deal but I want to point it .. |
| Posted: Sun Apr 20 5:39:22 2008 |
Only the first position lienholder can foreclose. .. |
| Posted: Sat Apr 19 15:46:33 2008 |
1) I think DMP's usually need your SSN for lookup .. |
| Posted: Fri Apr 18 17:36:56 2008 |
The lender can continue to charge interest at the .. |
| Posted: Fri Apr 18 17:19:05 2008 |
Morningstar echoed my opinion so eloquently... .. |
| Posted: Thu Apr 17 16:39:42 2008 |
Probably not felony. Under certain conditions, .. |
| Posted: Thu Apr 17 9:09:09 2008 |
To be bluntly honest, salesman tend to say .. |
| Posted: Thu Apr 17 8:35:02 2008 |
So far I haven't found any posts by James that is .. |
| Posted: Thu Apr 17 6:27:06 2008 |
If you have ever wondered how interest is .. |
| Posted: Thu Apr 17 6:08:35 2008 |
I can even go a step further and say we can .. |
| Posted: Thu Apr 17 5:59:16 2008 |
Idea :
I wonder if there's a way to let .. |
| Posted: Thu Apr 17 5:46:30 2008 |
Ditto what everyone else said.
There's bound .. |
| Posted: Thu Apr 17 5:10:41 2008 |
Yes Amaranth, the late charges are a different .. |
| Posted: Wed Apr 16 17:04:12 2008 |
If you live with your mom, then they can leave a .. |
| Posted: Wed Apr 16 16:32:45 2008 |
Quite simply, no. An account has to be more than .. |
| Posted: Tue Apr 15 17:42:00 2008 |
zxcxZ -
I first want to address to the repo, .. |
| Posted: Tue Apr 15 5:23:33 2008 |
Do you mean combining them together
I see two .. |
| Posted: Tue Apr 15 5:10:12 2008 |
I do think that their TV/Radio commercials .. |
| Posted: Tue Apr 15 5:04:11 2008 |
Many of them actually are non-profit (Money Mgmt .. |
| Posted: Tue Apr 15 4:44:38 2008 |
I think the two go hand in hand. People may not .. |
| Posted: Mon Apr 14 17:07:07 2008 |
The 7-year reporting period really has nothing to .. |
| Posted: Sun Apr 13 17:46:28 2008 |
Now if we were the Christian Consolidation Care .. |
| Posted: Sun Apr 13 6:56:20 2008 |
Wow I took a day off and now there's a new mod .. |
| Posted: Tue Apr 8 6:00:31 2008 |
If you look at ยง 605, it defines what be listed .. |
| Posted: Mon Apr 7 19:18:20 2008 |
When a CA reports, the "open" date is .. |
| Posted: Sat Apr 5 17:57:43 2008 |
The bureaus usually will not just "take your .. |
| Posted: Sat Apr 5 16:08:39 2008 |
Well I find this to be just plain stupid, but I .. |
| Posted: Sat Apr 5 15:43:53 2008 |
First and foremost, they cannot attach/garnish .. |
| Posted: Fri Apr 4 18:11:31 2008 |
Your credit really should not be pulled at all .. |
| Posted: Fri Apr 4 17:46:59 2008 |
I'm sure that a bank is probably allowed to tell .. |
| Posted: Fri Apr 4 17:07:32 2008 |
If they have been charging you in excess of the .. |
| Posted: Fri Apr 4 16:58:13 2008 |
This has to be an April Fools joke ! .. |
| Posted: Fri Apr 4 16:52:42 2008 |
Tweety- as long as the doctor has your account .. |
| Posted: Fri Apr 4 16:48:59 2008 |
If they payment isn't enough to payoff the .. |
| Posted: Thu Apr 3 8:16:47 2008 |
I whole-heartedly agree.
The only problem .. |
| Posted: Thu Apr 3 6:32:32 2008 |
Hi FYI, you jumped in while I was typing
To .. |
| Posted: Thu Apr 3 6:18:03 2008 |
You ; if you call them, they can refer you to the .. |
| Posted: Thu Apr 3 2:53:27 2008 |
The UCC is generally adopted in every state. .. |
| Posted: Wed Apr 2 5:48:05 2008 |
You don't have to do all three, it's really one .. |
| Posted: Tue Apr 1 19:59:08 2008 |
This is something your BK attorney really should .. |
| Posted: Sat Mar 29 9:50:26 2008 |
I just want to mirror what puddljmpr said. My .. |
| Posted: Sat Mar 29 9:19:24 2008 |
I originally thought this was an installment .. |
| Posted: Thu Mar 27 19:24:14 2008 |
In a Chapter 7, only the debt is discharged -- .. |
| Posted: Thu Mar 27 18:41:58 2008 |
Hi Cannr BBB's a good one.
I've found too, .. |
| Posted: Thu Mar 27 18:32:48 2008 |
How did you obtain your credit report Not all .. |
| Posted: Thu Mar 27 6:11:46 2008 |
First of all, I want to address a misconception .. |
| Posted: Wed Mar 26 20:37:07 2008 |
Oops, you jumped in while I was editing in some .. |
| Posted: Wed Mar 26 18:55:02 2008 |
No problem. DOFD is more or less a pointer, or .. |
| Posted: Wed Mar 26 5:51:41 2008 |
I'm sure I could gather more information from my .. |
| Posted: Wed Mar 26 5:37:30 2008 |
That's not necessarily true as it isn't a .. |
| Posted: Mon Mar 24 20:16:26 2008 |
For the most part, that is true -- shareholders .. |
| Posted: Fri Mar 21 6:03:15 2008 |
Chargeoffs are not a direct expense and differs .. |
| Posted: Fri Mar 21 5:55:14 2008 |
Did they repo and sell it; or did you pay them to .. |
| Posted: Fri Mar 21 5:34:27 2008 |
Sorry I'm late -- Built myself a new computer .. |
| Posted: Fri Mar 7 19:07:16 2008 |
A creditor/CA has a duty to report factual .. |
| Posted: Tue Feb 26 5:50:07 2008 |
Just writing "PAID IN FULL" on the memo .. |
| Posted: Tue Feb 26 5:29:00 2008 |
I don't think the bureaus would do anything other .. |
| Posted: Mon Feb 25 5:53:21 2008 |
I see your point but I'm afraid the IRS sees it .. |
| Posted: Mon Feb 25 5:44:43 2008 |
I'm pretty sure if it's his case, he will need to .. |
| Posted: Mon Feb 25 5:23:06 2008 |
Well, anytime you hear " be administered by .. |
| Posted: Sat Feb 16 5:50:57 2008 |
It will ultimately be up to landlord/tenant laws .. |
| Posted: Thu Feb 14 14:25:30 2008 |
Just goes to show the quality of machines these .. |
| Posted: Thu Feb 14 14:16:52 2008 |
Depends on your state law. In IL, for example, .. |
| Posted: Thu Feb 7 18:11:11 2008 |
There are a number of templates in our .. |
| Posted: Thu Feb 7 17:58:26 2008 |
A chargeoff is really just an accounting measure .. |
| Posted: Thu Feb 7 17:48:37 2008 |
I'm a day late and a dollar short, but I vote .. |
| Posted: Thu Feb 7 17:46:22 2008 |
Why, of all things, would he want you to go take .. |
| Posted: Wed Feb 6 6:12:41 2008 |
You are correct there. Whatever way they .. |
| Posted: Wed Feb 6 5:57:56 2008 |
I can't say much that anyone else here hasn't .. |
| Posted: Mon Feb 4 20:00:20 2008 |
For some reason I don't think that holds true on .. |
| Posted: Sun Feb 3 9:20:15 2008 |
I once filed a complaint with the EEOC. Very .. |
| Posted: Sun Feb 3 8:31:19 2008 |
Who has the account still -- Cap1, or did they .. |
| Posted: Sun Feb 3 8:11:40 2008 |
Like soaplady said, any cancellation of debt over .. |
| Posted: Sun Feb 3 7:58:54 2008 |
The problem as I see - how would you prove the .. |
| Posted: Fri Feb 1 5:34:44 2008 |
Not sure how other states work, but in IL when a .. |
| Posted: Fri Feb 1 5:22:25 2008 |
Report Spam Here .. |
| Posted: Thu Jan 31 5:13:43 2008 |
Cancelled debt and charged off debt technically .. |
| Posted: Wed Jan 30 16:36:29 2008 |
Employers and payors have until 1/31/08 to give .. |
| Posted: Sun Jan 27 8:52:43 2008 |
Doesn't seem right, but usually true. That's how .. |
| Posted: Sat Jan 26 23:18:15 2008 |
You will want to know that the balance is legit. .. |
| Posted: Sat Jan 26 20:55:50 2008 |
Guest forgive me for being flippant; because the .. |
| Posted: Sat Jan 26 19:46:02 2008 |
But I do consider the points just as I would cash .. |
| Posted: Sat Jan 26 19:07:57 2008 |
Here's my take on the matter:
There's a .. |
| Posted: Sat Jan 26 16:49:06 2008 |
A lien by itself will not let them come and take .. |
| Posted: Sat Jan 26 16:30:20 2008 |
If the original debt stems from a credit .. |
| Posted: Sat Jan 26 16:19:12 2008 |
Your interest calculation is correct -- but only .. |
| Posted: Thu Jan 24 13:27:27 2008 |
Hey that's good for you, your boss must .. |
| Posted: Wed Jan 23 21:26:33 2008 |
He must be receiving voicemails to call the lone .. |
| Posted: Wed Jan 23 17:37:10 2008 |
I'm in agreement with the other mods. I like a .. |
| Posted: Wed Jan 23 17:17:49 2008 |
I will think this really is just a coincidence. .. |
| Posted: Tue Jan 22 16:57:52 2008 |
In the scheme of things, that's not all that bad; .. |
| Posted: Tue Jan 22 16:48:59 2008 |
Did you file your taxes for 06 but just not pay .. |
| Posted: Mon Jan 21 21:08:22 2008 |
The 7 year period starts when the account first .. |
| Posted: Mon Jan 21 20:57:00 2008 |
Socks - I mentioned mortgage broker because you .. |
| Posted: Mon Jan 21 20:36:55 2008 |
1) Yes, they can buy your account (which they .. |
| Posted: Mon Jan 21 16:33:18 2008 |
You can go to the IL Dept of Financial .. |
| Posted: Mon Jan 21 6:37:07 2008 |
I remember reading on the FTC website that they .. |
| Posted: Mon Jan 21 6:13:53 2008 |
In IL (or maybe it's just a town law), if you .. |
| Posted: Sun Jan 20 8:03:40 2008 |
Socksfullofrocks -
Are you a mortgage broker .. |
| Posted: Sun Jan 20 7:36:44 2008 |
Also found this one, not in my .. |
| Posted: Sun Jan 20 7:31:41 2008 |
Done. I cleaned house a little bit on the United .. |
| Posted: Sat Jan 19 7:56:31 2008 |
The lender is not likely to ever budge on the .. |
| Posted: Sat Jan 19 7:38:44 2008 |
Problem is that the finance company who holds .. |
| Posted: Sat Jan 19 7:27:45 2008 |
I agree with everyone here.
A) It is up to the .. |
| Posted: Sat Jan 19 7:08:28 2008 |
Just want to clarify -- Are you saying this is .. |
| Posted: Fri Jan 18 18:58:48 2008 |
If all of your credit accounts are individual, .. |
| Posted: Fri Jan 18 17:23:53 2008 |
I agree with volleyballmom. A company can .. |
| Posted: Thu Jan 17 6:32:11 2008 |
The letter can be very simple, you don't need to .. |
| Posted: Wed Jan 16 18:02:32 2008 |
I use this financial accounting program called .. |
| Posted: Wed Jan 16 17:50:28 2008 |
I think it means that:
A) if you have been sued .. |
| Posted: Wed Jan 16 5:46:17 2008 |
The Federal Credit Practices Rule (16 CFR 444.2) .. |
| Posted: Tue Jan 15 20:35:26 2008 |
Car loans fall under the "installment .. |
| Posted: Mon Jan 14 17:17:03 2008 |
Congrats! .. |
| Posted: Mon Jan 14 17:16:25 2008 |
Congrats! .. |
| Posted: Mon Jan 14 17:15:44 2008 |
Hi Chrys, glad to have .. |
| Posted: Mon Jan 14 17:11:07 2008 |
Waterbug,
It is indeed a difficult situation. .. |
| Posted: Sat Jan 12 21:50:03 2008 |
fsdfs.sdfsdf.sdfsdf /A
Just testing.
The .. |
| Posted: Sat Jan 12 21:43:24 2008 |
'<a>' and '</a>' are HTML tags for .. |
| Posted: Fri Jan 11 17:49:22 2008 |
Lawexpert, I believe you are wrong on a few of .. |
| Posted: Fri Jan 11 5:18:14 2008 |
I try to put myself in someone else's .. |
| Posted: Fri Jan 11 5:11:07 2008 |
I think that the anonymity of these forums make .. |
| Posted: Fri Jan 11 4:54:25 2008 |
Oh my, I wasn't saying that "a community of .. |
| Posted: Thu Jan 10 19:29:54 2008 |
Everyone has really good suggestions. .. |
| Posted: Thu Jan 10 18:42:41 2008 |
Thanks everyone for your kind words and support! .. |
| Posted: Wed Jan 9 19:56:33 2008 |
Well you got the rules right, but maybe a little .. |
| Posted: Wed Jan 9 19:49:35 2008 |
Thanks for giving me some fuel I made 999 a few .. |
| Posted: Wed Jan 9 19:39:49 2008 |
PS that was my 1000 post ... woo .. |
| Posted: Wed Jan 9 19:38:54 2008 |
GLBA doesn't just pertain to records databases -- .. |
| Posted: Wed Jan 9 16:59:04 2008 |
ANy state law will say that they cannot threaten .. |
| Posted: Wed Jan 9 16:51:56 2008 |
If you know it is yours, sending a DV will pretty .. |
| Posted: Wed Jan 9 16:49:51 2008 |
A consumer version of your credit report should .. |
| Posted: Wed Jan 9 16:44:56 2008 |
The OC is usually the best one to work with. But .. |
| Posted: Wed Jan 9 16:37:01 2008 |
Hi Suebee, good to see you. Good luck with your .. |
| Posted: Wed Jan 9 16:30:03 2008 |
"Recoding" an inquiry is a new one to .. |
| Posted: Tue Jan 8 17:47:28 2008 |
I agree with both FYI and Cajun that most .. |
| Posted: Tue Jan 8 17:27:20 2008 |
Your IRA-401K is solely meant for your retirment; .. |
| Posted: Tue Jan 8 16:57:54 2008 |
1.
Guest, you should have been served with a .. |
| Posted: Tue Jan 8 16:35:48 2008 |
Your wish is my command, .. |
| Posted: Tue Jan 8 16:32:10 2008 |
I would say it depends on their computer .. |
| Posted: Mon Jan 7 20:19:12 2008 |
The above post was me, just testing .. |
| Posted: Mon Jan 7 17:13:53 2008 |
It is most likely someone (a collector maybe, or .. |
| Posted: Mon Jan 7 17:09:03 2008 |
I use TruCredit to pull Transunion, TRW, and .. |
| Posted: Mon Jan 7 6:12:23 2008 |
Yes I will agree; if they can't document it then .. |
| Posted: Mon Jan 7 5:17:10 2008 |
I think that if you pay one of these .. |
| Posted: Sun Jan 6 21:16:11 2008 |
My dad taught me how to file my own taxes when I .. |
| Posted: Sun Jan 6 20:49:10 2008 |
However, the FDCPA clearly explains that an .. |
| Posted: Sun Jan 6 20:29:49 2008 |
A chargeoff means that at some point in time, .. |
| Posted: Fri Jan 4 20:46:28 2008 |
Is the garnishment a result of court proceedings, .. |
| Posted: Fri Jan 4 20:34:27 2008 |
Good luck over there! We wish for your safe and .. |
| Posted: Fri Jan 4 19:56:12 2008 |
There's a couple reasons I despise them as my .. |
| Posted: Wed Jan 2 6:14:40 2008 |
Like JB said, credit cards are not going to .. |
| Posted: Wed Jan 2 5:40:17 2008 |
Do you remember applying for any credit around .. |
| Posted: Mon Dec 31 13:38:51 2007 |
They usually can charge the default rate until .. |
| Posted: Sun Dec 30 20:34:16 2007 |
There's no federal law that says they can't make .. |
| Posted: Sun Dec 30 20:25:48 2007 |
You need to keep in mind that the balance doesn't .. |
| Posted: Sun Dec 30 9:34:31 2007 |
Thanks everyone for your responses!
Suebee and .. |
| Posted: Sun Dec 30 9:05:53 2007 |
Ejay,
I split your post into it's own thread .. |
| Posted: Sun Dec 30 8:58:08 2007 |
guest -
Re your post on a towing company sending .. |
| Posted: Sun Dec 30 8:50:32 2007 |
Everyone else has already posted very good .. |
| Posted: Sat Dec 29 22:18:23 2007 |
... actually it was for blowing a stop sign, but .. |
| Posted: Thu Dec 27 5:59:34 2007 |
In the 4 years I've been at this job, I've only .. |
| Posted: Thu Dec 27 5:47:54 2007 |
1) They can send someone to your house, but .. |
| Posted: Sun Dec 23 20:43:01 2007 |
Yup we definitely got some porno spam going on .. |
| Posted: Sat Dec 22 15:28:38 2007 |
I have wondered this sometimes myself...
I .. |
| Posted: Wed Dec 19 6:17:14 2007 |
puddlejmpr - did you know it's actually illegal .. |
| Posted: Tue Dec 18 21:28:35 2007 |
Yeah GAP I think is mainly useful if you're .. |
| Posted: Tue Dec 18 20:58:51 2007 |
I find extended warranties to be useless. Any .. |
| Posted: Mon Dec 17 22:00:21 2007 |
Report Spam Here .. |
| Posted: Mon Dec 17 18:22:19 2007 |
Report Spam Here .. |
| Posted: Mon Dec 17 18:19:26 2007 |
Report Spam Here .. |
| Posted: Mon Dec 17 5:56:14 2007 |
Finding a lender that will approve your request .. |
| Posted: Mon Dec 17 5:35:25 2007 |
Thanks for the good feedback. Although it's been .. |
| Posted: Sun Dec 16 9:07:55 2007 |
Wow, now that's a lot Karen! Good thing you got .. |
| Posted: Sun Dec 16 7:14:59 2007 |
In IL at least, once a judgment creditor has a .. |
| Posted: Sat Dec 15 16:38:49 2007 |
It probably is a bit flippant; more or less meant .. |
| Posted: Sat Dec 15 12:05:50 2007 |
A couple years ago my dad moved, and cancelled .. |
| Posted: Sat Dec 15 11:47:31 2007 |
Good work .. |
| Posted: Mon Dec 10 21:12:15 2007 |
There can only be one 'original summons', which .. |
| Posted: Mon Dec 10 21:05:45 2007 |
I thought the insurance that the school sold was .. |
| Posted: Mon Dec 10 20:57:57 2007 |
I would think the fact that your signature is not .. |
| Posted: Sun Dec 9 17:59:35 2007 |
Yes Ang, even if state law doesn't require .. |
| Posted: Fri Dec 7 20:44:34 2007 |
You hear the IRS was making a big deal about .. |
| Posted: Fri Dec 7 20:42:26 2007 |
Maybe if a member says she has to drive to the .. |
| Posted: Fri Dec 7 20:37:34 2007 |
Yes and no. I'm just thinking of the .. |
| Posted: Fri Dec 7 20:34:33 2007 |
Or maybe if I have to consider the DCC points as .. |
| Posted: Fri Dec 7 20:31:20 2007 |
I guess DCC needs to start sending out 1099 .. |
| Posted: Fri Dec 7 20:15:02 2007 |
I am a big advocate of "tough love." I .. |
| Posted: Fri Dec 7 19:01:40 2007 |
btjak,
I've moved your post into the correct .. |
| Posted: Fri Dec 7 16:39:59 2007 |
That had crossed my mind, but here is my .. |
| Posted: Thu Dec 6 16:47:57 2007 |
Geraci's office is what I call a "cookie .. |
| Posted: Thu Dec 6 16:17:48 2007 |
As long as they aren't using a different company .. |
| Posted: Thu Dec 6 16:07:19 2007 |
I like Comcast because they are .. |
| Posted: Wed Dec 5 5:34:23 2007 |
Being a lender, I have received these validation .. |
| Posted: Mon Dec 3 19:4 |
