You are currently viewing our Free Credit Repair Forums as a guest which gives you limited access to view most discussions and access our other features. By joining our free credit repair community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content, you can obtain sample credit repair letters and more. Due to bandwidth constraints, PDF files can only be downloaded by registered Members.
Fix your own personal credit, the same way a credit repair company would. Registration is fast, simple and absolutely free so please, join our community today Please note that we are not attorneys, we are not selling anything, nothing on this site may be construed as legal advice.
If you have any problems with the registration process or your account login, please contact us.
New Local Bankruptcy Rules went into effect on May 1, 2008 in Massachusetts. The new rules include changes to the local forms and can be viewed here. If you liked that post, then try these...April Fool - Bankruptcy Changes Florida Constitution Again by Carmen Dellutri, Attorney at LawBeware of Tax Loan Services (For [...]
What do rising gas and food prices have in common? They both eat up a substantial part of your monthly budget. And if you filed chapter 13 within the past few years, you submitted a plan of monthly payments based on a budget before gas and some food prices doubled. It may [...]
So you got a discharge, none of your assets were taken, and now you want to pursue a previous creditor for collection violations which occurred prior to filing. *Maybe there was an FDCPA or other state UDAP claim. Can you do it? *Yes, as long as you listed those claims on your schedules as assets. [...]
For most people, the decision to consult a bankruptcy attorney seems to be the most difficult part of the bankruptcy filing process. *But talk to anyone 6 months after filing and they will usually tell you that that decision to file was one of the best decisions they made in their life.*Generally, there are two [...]
When you file for bankruptcy, you are generally given three choices with regard to a secured debt; that is, a debt that is attached to a lien on something you own. *The Bankruptcy Code specifically deals with reaffirmations and when and how they must occur. *That information appears elsewhere on this site and there is [...]
While bankruptcy professionals groaned*in dismay*when Congress reduced the effectiveness of the chapter 13 “super discharge” with the 2005 Bankruptcy Reform Act, it is worthwhile to remember that chapter 13 will still discharge more debts than*chapter 7.* In fact, the chapter 13 discharge is still an effective*solution for several types of debts which cannot be discharged [...]
In the wake of the credit crunch, rising delinquencies, and (possibly) tighter rules, credit card companies are closing out some customers' credit cards in an attempt to save money, according...
The U.S. Bankruptcy Appellate Panel for the First Circuit in the recent case of In re Hill, 2008 WL 1960478 (1st Cir.BAP 2008) addressed the vexing issue of “reversals” of a fraudulent transfers and objections to discharge. The case presented an alternative basis to deny the debtor his discharge, so the Panel discussed, but [...]
The U.S. Court of Appeals for the First Circuit recently issued an important opinion concerning the claiming of exemptions in bankruptcy cases. In re Barroso-Herrans, 2008 WL 1960365 (1st. Cir 2008) the Court heard the appeal of a Chapter 7 debtor who had attempted to exempt proceeds from two collection lawsuits by listing their value [...]
A few months ago, Jonathan Ginsberg posted an article on these pages about what happens if you fail to complete a financial management course.* http://www.bankruptcylawnetwork.com/...gement-course/ As Jonathan pointed out, if a bankruptcy case is filed without the certificate that you completed the financial management course, and the case is closed without a discharge, most judges will [...]
The Executive Office of the U.S. Trustee announced today that it will resume auditing debtors in bankruptcy cases starting May 12, 2008. Random audits will be done on 1 out of 1000 cases in each judicial district, according to the program’s website.The audits were temporarily halted by the U.S. Trustee program in January 2008 [...]
In the Northern District of Georgia, our Chapter 13 plans are often filed as “step” plans. Basically a step plan is one in which the debtor’s trustee payment changes (steps up or steps down) when a known event happens. For example, in this district, vehicle leases are paid directly to the lender. [...]
The Feds recent proposal to end double billing cycle finance charges strikes a question many people don't know the answer to: How are your finance charges calculated?If you don't know...
If you are in the Western District of Missouri, Kansas City Division, there are 10 Chapter 7 Trustees. You can never choose the trustee for your case, they are assigned by the Court at the time of filing. So far we have introduced you to Mr. David Stover, Ms. Erlene Krigel, Ms. Janice Stanton and [...]
There are many credit repair guides out there, they all use different approaches to fixing bad credit. The FlyingIFR guide is quite an aggressive method. I also read some guides from Credit Info Center and other sites. At the end of the day, guides are helpful but consumers need to read as much as they can. Have you ever asked yourself How can I fix my bad credit? or How to repair bad credit? FlyingIFR and the many other guides on the internet will get you started.
Fixing bad credit is not easy, but anyone can doit with the right information, InfiniteCredit prides itself with providing accurate up o date information.
I am often asked by people "what are the ways to fix bad credit" The answer is fairly simple, the right way to fix credit is dispute and remove inaccurate information from the credit files, protect the rights afforded to you under the FDCPA dispute questionable debts without hesitation. At Infinite3 credit you can obtain free credit repair information.
Stay away from alleged reputable credit repair companies, they will take your hard earned cash and do half the job, you could do, should you decide to fix your credit yourself. There are many credit repair law firms out there that will do no more than what you can do after you educate your self. You ever wondered how complicated it is to repair your credit report? Then wonder no more, join our humble site and learn your rights, free credit repair advice to repair your credit report is at your finger tips. Get the latest credit repair info today, do not allow your poor credit to keep you from obtaining, car loans, personal loans and a credit card. Refinance your home or mortgage, obtain the credit that will allow you to obtain home loans today!
With the current mortgage situation, more people will find themselves with a tarnished credit file in desperate need of repair. While some people will run to a credit repair company and pay for services with money they cannot afford to spend; others like yourself will find free fast credit repair boards and will learn to do the work by yourself on the creditboards.
If you are a beginner and do not have a clue, feel free to read up here; Bad Credit Repair
Do not wait until the last minute to correct your current financial situation. Many times we ignore the bill's hoping that they will magically disappear. Unfortunately that is not going to happen, meet your creditors and collection agencies head on. Fixing bad or negative credit is possible and all it requires is a little time and patience. You can be one of the hundreds of members that have turned the frown upside down!!!
Ways to repair bad credit is available on this site, lots of Information to fix bad credit is only a few clicks away. Why use a bad credit repair service, or bother with an inaccurate credit repair guide? Get the latest, up to date information; this creditboard will help you repair a bad credit rating. I cannot describe the sense of fulfillment after I was able to fix my bad credit.
Found this interesting article on how to fix the bad credit quickly. Fix your credit legally, fix bad credit yourself today!
Quote:
7 fast fixes for your credit score
If you're dragging around a bad credit score, you'll pay more for car loans, credit cards and mortgages. Here's how to turn it around in a hurry. Plus: 4 credit mistakes to avoid.
By Liz Pulliam Weston
So you've had a few problems getting the bills paid lately, and you're wondering what you can do to repair the damage. You've got plenty of company. There are more than 30 million people in the United States with credit blemishes severe enough (and credit scores under 620) to make obtaining loans and credit cards with reasonable terms difficult. Or maybe your credit is OK, but you'd like to make it better. After all, the better your credit, the lower the interest rates you can secure on mortgages, car loans and credit cards.
Know the score
In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports, you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs. You can obtain your FICO credit scores, the ones lenders use, from MyFico.com. Or you can get Experian's "consumer education" version here.
Now you're ready to take the seven steps to speedy credit repair:
1) Pay down your credit cards. Paying off your installment loans (mortgage, auto, student, etc.) can help your score, but typically not as dramatically as paying down -- or paying off -- revolving accounts like credit cards.
The credit-scoring formulas like to see a nice, big gap between the amount of credit you're using and your available credit limits. Getting your balances below 30% of the credit limit on each card can really help. While most debt gurus recommend paying off the highest-rate card first, a better strategy here is to pay down the cards that are closest to their limits.
2) Use your cards lightly. Racking up big balances can hurt your score, regardless of whether you pay your bill in full each month.
What's typically reported to the credit bureaus, and thus calculated into your score, is the balance reported on your last statement. (That doesn't mean paying off your balances each month isn't financially smart -- it is -- just that the credit score doesn't care.) You typically can increase your score by limiting your charges to 30% or less of a card's limit. If you're having trouble keeping track, consider using a check register to track your spending, logging into your account frequently at the issuer's Web site, or using personal finance software like Microsoft Money or Quicken, which can download your transactions and balances automatically.
3) Check your limits. Your score might be artificially depressed if your lender is showing a lower limit than you've actually got. Most credit-card issuers will quickly update this information if you ask.
If your issuer makes it a policy not to report consumers' limits, however -- as is the usual case with American Express cards and those issued by Capital One -- the bureaus typically use your highest balance as a proxy for your credit limit.
You may see the problem here: If you consistently charge the same amount each month -- say $2,000 to $2,500 -- it may look to the credit-scoring formula like you're regularly maxing out that card.
You could go on a wild spending spree to raise the limit, but a more sober solution would simply be to pay your balance down or off before your statement period closes. Check your last statement to see which day of the month that typically is, then go to the issuer's Web site about a week in advance of closing and pay off what you owe. It won't raise your reported limit, but it will widen the gap between that limit and your closing balance, which should boost your score.
4) Dust off an old card. The older your credit history, the better. But if you stop using your oldest cards, the issuers may stop updating those accounts at the credit bureaus. The accounts will still appear, but they won't be given as much weight in the credit-scoring formula as your active accounts, said Craig Watts, an executive at Fair Isaac & Co., one of the leading credit scorers. That's why Ferguson often recommends to her clients that they use their oldest cards every few months to charge a small amount, paying it off in full when the statement arrives.
5) Get some goodwill. If you've been a good customer, a lender might agree to simply erase that one late payment from your credit history. You usually have to make the request in writing, and your chances for a "goodwill adjustment" improve the better your record with the company (and the better your credit in general). But it can't hurt to ask.
A longer-term solution for more-troubled accounts is to ask that they be "re-aged." If the account is still open, the lender might erase previous delinquencies if you make a series of 12 or so on-time payments.
6) Dispute old negatives. Say that fight with your phone company over an unfair bill a few years ago resulted in a collections account. You can continue protesting that the charge was unjust, or you can try disputing the account with the credit bureaus as "not mine." The older and smaller a collection account, the more likely the collection agency won't bother to verify it when the credit bureau investigates your dispute.
Some consumers also have had luck disputing old items with a lender that has merged with another company, which can leave lender records a real mess.
7) Blitz significant errors. Your credit score is calculated based on the information in your credit report, so certain errors there can really cost you. But not everything that's reported in your file matters to your score.
Here's the stuff that's usually worth the effort of correcting with the bureaus:
* Late payments, charge-offs, collections or other negative items that aren't yours.
* Credit limits reported as lower than they actually are.
* Accounts listed as "settled," "paid derogatory," "paid charge-off" or anything other than "current" or "paid as agreed" if you paid on time and in full.
* Accounts that are still listed as unpaid that were included in a bankruptcy.
* Negative items older than seven years (10 in the case of bankruptcy) that should have automatically fallen off your report.
You actually have to be a bit careful with this last one, because sometimes scores actually go down when bad items fall off your report. It's a quirk in the FICO credit-scoring software, and the potential effect of eliminating old negative items is difficult to predict in advance.
Some of the stuff that you typically shouldn't worry about includes:
* Various misspellings of your name.
* Outdated or incorrect address information.
* An old employer listed as current.
* Most inquiries.
If the misspelled name or incorrect address is because of identity theft or because your file has been mixed with someone else's, that should be obvious when you look at your accounts. You'll see delinquencies or accounts that aren't yours and should report that immediately. However, if it's just a goof by the credit bureau or one of the companies reporting to it, it's usually not much to sweat about.
Two more items you don't need to correct:
* Accounts you closed listed as being open.
* Accounts you closed that don't say "closed by consumer."
Closing accounts can't help your score, and may hurt it. If your goal is boosting your score, leave these alone. Once an account has been closed, though, it doesn't matter to the scoring formulas who did it -- you or the lender. If you messed up the account, it will be obvious from the late payments and other derogatory information included in the file.
4 other credit mistakes, Other actions to beware when you're trying to improve your score:
* Asking a creditor to lower your credit limits. This will reduce that all-important gap between your balances and your available credit, which could hurt your score. If a lender asks you to close an account or get a limit lowered as a condition for getting a loan, you might have to do it -- but don't do so without being asked.
* Making a late payment. The irony here is that a late or missed payment will hurt a good score more than a bad one, dropping a 700-plus score by 100 points or more. If you've already got a string of negative items on your credit report, one more won't have a big impact, but it's still something you want to avoid if you're trying to improve your score.
* Consolidating your accounts. Applying for a new account can ding your score. So, too, can transferring balances from a high-limit card to a lower-limit one, or concentrating all or most of your credit-card balances onto a single card. In general, it's better to have smaller balances on a few cards than a big balance on one.
* Applying for new credit if you've already got plenty. On the other hand, applying for and getting an installment loan can help your score if you don't have any installment accounts, or you're trying to recover from a credit disaster like bankruptcy.
By the way, all these suggestions work best if you have poor or mediocre scores to begin with. Once you've hit the 700 mark, any tweaking you do will tend to have less of a positive impact.
And if your scores are in the "excellent" category, 760 or above, you'll probably be able to eke out only a few extra points despite your best efforts. There's really no point, anyway, since you're already qualified for the best rates and terms. Here's one area where it's really OK to rest on your laurels and worry about something else.
Liz Pulliam Weston's column appears every Monday and Thursday, exclusively on MSN Money. She also answers reader questions in the Your Money message board.
Bad Credit? Learn how to repair your credit score, get rid of debt & avoid debt consolidation or bankruptcy. Fix credit score fast, yourself. People often ask; How do I fix my credit or how can I fix my bad credit. Fixing and repairing bad credit is doable with some time and education.
Having bad credit can literally affect every aspect of your life. A low credit score means promised financial limitations and difficulties. As if this wasn't enough, you'll also have handfuls of credit councilors and other so called money managers trying to take even more from you with their debt consolidation plans that promise to "cut your payments in half", "save you thousands", or our personal favorite "get you out of debt with the click of a mouse". If only our computer mouse had the debt relief magic that those bad credit spam emails promise. Although getting out of debt can't be done with a click of a right mouse button, it's probably not as hard as you think. Keep reading to learn how you can fix your bad credit and get of debt the "do it yourself" way.
How to repair your bad credit & raise your credit score: The skinny
We often get the same questions "what is the quickest way I can pay off my debt?", "how can I get rid of all of the negative information from my credit report?, "I need a big boost in my credit score immediately... how can I do that?". Unfortunately, all of these people are looking for the same thing; credit repair secrets. Unfortunately there is no such thing. Although it's easy to forget this, due of all of the credit repair services advertisements out there, the truth of the matter is that repairing your bad credit and increasing your credit score is going to mean peanut butter sandwiches for lunch, a downgrade on your cable plan and a crash course in bad credit repair education. Now there are many tools that will help you remove unwanted negative information that is not accurate. The credit repair process is time consuming, It is however a rewarding process, you will never look at credit the same way after you are done.
Why you should stay away from debt consolidation & Bankruptcy
When things start looking rough for people with bad credits, the lure of those bright credit repair advertisements can look promising. Some are so convincing that they almost have you believe that the man in the ad sitting on in the rocking chair on the front porch of his house is actually a client of theirs and not a paid actor.
We here at Infinite Credit ere aware of such services, many of the firms out there will have you believe that you would be in debt for over 30 years with all of their outstanding credit (student loans, credit cards etc). However, in fact the all of debt could easily be paid back within 8-12 years. Somehow they clicked their mouse and came up with 30 years? Next they continued to tell us that they would take on our debt for us at the small cost of $10 per account. Since there were 4 accounts open, it would cost us $40 a month just to pay for their service. After listing to their sales pitch, we decided to ask questions. First of all, they claimed to be "not for profit". It turns out that was true. The fee they would charge us is simply a "service fee" to help them pay for overhead and other operating expenses which is completely legal. We then asked them about how they would deal with our creditors and they explained to us that they would simply renegotiate a repayment plan for us by stretching out our repayment schedule, paying off our highest debts first and renegotiating lower interest rates. This may seem nice of them, however anyone can do this for themselves without the help of a credit councilor and without all of the monthly fees.
It simply doesn't make any sense to pay someone to do something that you can easily do on your own for free. You can fix your own bad credit and increase your credit score by renegotiating all of the things mentioned above. We believe in the "do it yourself" approach to bad credit repair.
There are instances where bankruptcy becomes a necessity, make an educated decision. Empower yourself, stop the debt collectors dead on their tracks. Hit them where it hurts "their wallet". Did you know that if you send a debt collector a validation letter within the 30 days of the initial contact and the debt collector fails to validate the debt, they are no longer supposed to contact you to collect the alleged debt?
You owe it to yourself, before you apply for a credit card or a home equity line of credit, look at your credit report. Your credit score will dictate the terms of your credit card. Do not allow bad credit history or a loan that gave you bad credit, get on the way of applying and obtaining a credit card with good credit terms. Improve your credit score today!
Reading your credit report for the first time - and sometimes even the second or third - can be confusing. Understanding your credit report is crucial to achieving your...
Repair credit score with the Legal credit repair tips and tricks offered by members that have been there, done that! Why pay a credit repair business when you can have a free credit repair by cleaning your personal credit file yourself. Learn about a validation letter and how to use the validation letters. Have you been turned down for a car loan due to bad credit? or You could not get a home loan with bad credit? then this site is for you! Do not allow bad credit to stop you from refinancing your home or obtaining a home mortgage.
Do not buy a credit repair kit, pay sites will tell you that they can offer a fast credit repair program. The truth is that bad credit restoration is not something that can be done over night, correcting inaccuracies on a credit file, will take time, patience and understanding on how the credit Bureaus work and more importantly the Fico Scoring system. You will need to be disciplined and keep thorough records of everything. Repair bad credit, repair credit score yourself, medical bill credit repair, start today! InfiniteCredit is the premier credit repair forum.
I decided to fix my credit three years ago, since then I have devoured as much information as possible. Knowledge is power and you can fix your personal credit file or fix your Fico credit score without the need to pay for a credit repair kit or a credit repair company. Fixing my credit was not easy, but I was able to do it with help from communities such as this one.
You will learn this an more on our site; Credit Repair
Welcome to the IC Credit Repair Forums, the premier credit discussion board.
You are currently viewing the Free Credit Repair Discussion board, news section. Learn to Fix your own personal credit, the same way a credit repair company would. Feel free to visit the Credit Repair discussion forum, You need help with a Collection Agency or simply want to improve your Fico Score? Maybe you want to learn about total credit restoration, consumer rights; the fair credit reporting act or the fair debt collection practices act, the our credit boards are just what the doctor ordered.
We have experienced the same things you have, from good credit to bad credit and sometimes leading to Bankruptcy. Credit repair is not an easy process, it is not something that happens over night, but with patience and organization and the help of the many people on this board, people that have been trough similar situations as you, it is possible clean a credit file and remove all the inaccurate information. You can go from no credit or high risk credit to sub prime and even prime credit in no time! Bad Credit Restoration is possible.
So what are you waiting for? Join the credit board the intricacies of the credit bureaus are explained in a language that anyone can understand, sample good will letters, validation letters, Intent to sue letters are only a couple clicks away. Join us in our credit repair discussions Total Credit Restoration
Fix your personal credit or build business credit, often times with no personal guarantee. Once you learn about your rights you will never look at a collection notice the same way, you will not fear opening a collection notice. Infinite credit is more than a credit repair site, we can help you with money management; you might need a couple of extra points on your Fico score to qualify for a mortgage. If any of the above items apply to you, then you are at the right place, welcome to the InfiniteCredit creditboards. The place to repair credit rating, we are not a credit repair company and do not offer credit repair services. We give you the tools to repair your credit score yourself! This is the premier credit repair forum, join our boards and see for yourself.
I think I have seen all sorts of credit fixing scams that usually end up helping the owner of the website instead of the consumer. You probably have been trough some sites your self, credit bible that is a popular search or credit cards repair maybe you have been to credit bureau repair sites that do not live to their expectations and fail to repair the credit report.
At InfiniteCredit we are not trying to sell you anything, there are no secrets in our community. We are a group of people like yourself that believe in second chances, in the site you will find the tools, resources and the people willing and able to help you resolve the most complex credit problems. Although there are bad credit score credit cards, why settle for sub-prime rates? Credit score is even more important when you are considering purchasing a home, the higher your score, the lower your interest will be. It does not sound like much but even one percent lower on a home mortgage can equate to saving thousands of dollars over the thirty year term. The fico credit report score is the single most important thing currently in the financial world, it will determine if creditors extend credit to you, how much credit and the terms of the credit extension, do not take it for granted.
There are many building credit credit cards in the market, but there are other important factors that will dictate how much your score will increase or decrease over the years. Heck even people with horrible credit can get a rebuilding credit credit card, improving your credit score is not rocket science . I personally believe that anyone can do it with the right tools. The information that will help you is here, no strings attached, no catch FREE! A 500 credit score, 600 credit score even 700 credit score is attainable with discipline and perseverance. Get help to repair your credit!
Dispute bad credit and replace it with good credit. most people try to obtain credit cards credit score instead of obtaining first credit score credit cards. Get your credit score up and you will be able to hand pick the credit cards that meet your terms.
Get the latest news, credit updates and events on this your site; InfiniteCredit
I have been reading many of the posts here lately and thought maybe I can get some help with this issue.
Around 2001 I had 2 large credit card balances that went into default and were sold to collection companies. One still exists and is basically one I am sitting on and letting drop off (they increase the balance $1000 per month and will not negotiate, so I will never pay them), the other ID the one I have problems with.
At that time I hired a bankruptcy lawyer and was considering filing. The account in question called me one day and I told them "My lawyer advised me to tell you I am filing bankruptcy and to contact them from now on". After that I got no contact. I never did file bankruptcy, since I learned that in most cases I could be rid of this stuff in 7 years vs. 10 years with a bankruptcy.
Well for the last 7 years I have accepted bad credit, I have cosigners so the things I need I am able to get. I am now however going back to clean up my credit and I find that it was FULL of errors, which luckily all but one has been fixed.
This CC account has a status from 2001 that states "charged off and included in Bankruptcy chapter 7, 11 or 13" on the status. The collection company it was sold to I paid IN FULL and have a letter from them stating this with the account # showing.
I just disputed the claim that I had a bankruptcy charge off after I applied for a AMEX and one of the factors for denial was "Past bankruptcy". After 30 days the company returned a updated credit report but DID NOT remove the bankruptcy, they only added a notation to state it was sold to an outside company. They have no proof I declared BR since I never did and they still verify to the credit agencies that they BOTH discharged due to BR and sold the debt to an outside company.
I have called them before the dispute, and after the dispute, and they state I have to go through the credit reporting agencies. Where should I go from here? It is with Compass bank and was a credit card. I also have the paperwork showing paid in full. I already disputed once and these scumbags still say they validate I have a BR. I am now paying double for my mistakes, ruined credit due to bad debt and a phony BR show up every time I apply for credit.
(On a side note, two other errors I had to have corrected were old compass accounts I paid in full and they still sold to outside companies AFTER I paid them off, now apparently those companies state they will file grievances/suits with Compass after I provided proof of payment in full since there was no debt to sell).
I received a summons served by the sheriff from MRC Receivables for a credit card debt from 2002 and have been given 20 days to respond. I've been doing a lot of research but am not exactly sure how to proceed from here. My main point is SOL, but the timing is cutting it close (6 years in Massachusetts). Looks like they pounced as soon after I moved to this state as they could since the statute of limitations was longer.
TransUnion shows a date to be removed of May 2009 if that matters. Equifax lists the date of last activity as N/A but has a date of first delinquency of June 2002.
I'm unsure whether I have received collections notices from this company, though the complaint contained an attached letter from 2007 showing that they had been originally sending my notices to an address I had not lived at since 2001.
I sent a DV letter to them and this is what they sent back.
Dear XXXXX, REF:XXXXXXX
Thank you for your recent inquiry.
Unfortunately, we are unable to process your request with the information you provided.So we can process your request, please fill out the form at the bottom of this letter. Send it , along with a copy of your previous correspondence, in the enclosed envelope to
XXXXXXXX
XXXXXXXX
XXXXXXXX
Please complete all the items on the form, even those you may have previously provided. Once we recieve this information, we will be able to proceed with your request.
We apologize for any inconvencience. If you have any questions, please call us at xxxxxx-xxxxxxx. Our customer service Reps are available 24 hours a day, 7 days a week.
Sincerly,
CRAP1
REF:XXXXXXX
Name:_______________________
Address on file with Capital One:____________________
Current Address:___________________
if address is different than whats on file, are you requesting an address change yes____ no_____
Account Number:________________
Please give the full 16-digit account number
Social Security Number:____________
or last four digits
Date of Birth:__________________
Now what should i do? They are requesting the same information that i am. Where to go from here.
I have some entries on my credit reports that have been re-aged by LVNV and Midland Credit Mgmt.
The debts initially went delinquent back in about 2001-2002. The entries recently stated they were semi-recent as of 2007. I have had no dealings or agreements with any collection agency and in effect have been off the grid since around 2002.
I have attempted to get verification and challenged the entries to the 3 bureaus but the results have come back that the collection accounts are verified with the bogus dates.
I admit to not always being the most patient sort, and I want to get an attorney. I am not well versed in the law and honestly I don't have the time to dedicate to learning all I'd need to, to remedy my problem myself.
Has anyone here gotten an attorney before to challenge and/or sue for damages against these bottom-feeders like LVNV?
What kind of attorney would be handle this kind of thing?
I am wondering what I should do next? Hannah was saying something about filing a MTD at first, but it came down to the wire and I needed to get something filed so I just filed my answer and defenses.
I don't know if I am able to file anything at the moment or if I have to wait to hear back from the attorney. I had a number of affirmative defenses that I filed, but the main ones were SOL and failure to state a claim upon which relief can be granted (since no evidence was filed with the court). Anyone familiar with what I can file, or if I can file anything?
Rule 12(b) of the WV RCP states:
Quote:
(b) How presented. — Every defense, in law or fact, to a claim for relief in any pleading, whether a claim, counterclaim, cross-claim, or third-party claim, shall be asserted in the responsive pleading thereto if one is required, except that the following defenses may at the option of the pleader be made by motion: (1) lack of jurisdiction over the subject matter, (2) lack of jurisdiction over the person, (3) improper venue, (4) insufficiency of process, (5) insufficiency of service of process, (6) failure to state a claim upon which relief can be granted, (7) failure to join a party under Rule 19.Amotion making any of these defenses shall be made before pleading if a further pleading is permitted. No defense or objection is waived by being joined with one or more other defenses or objections in a responsive pleading or motion. If a pleading sets forth a claim for relief to which the adverse party is not required to serve a responsive pleading, the adverse party may assert at the trial any defense in law or fact to that claim for relief. If, on a motion asserting the defense numbered (6) to dismiss for failure of the pleading to state a claim upon which relief can be granted, matters outside the pleading are presented to and not excluded by the court, the motion shall be treated as one for summary judgment and disposed of as provided in Rule 56, and all parties shall be give
New Local Bankruptcy Rules went into effect on May 1, 2008 in Massachusetts. The new rules include changes to the local forms and can be viewed here. If you liked that post, then try these...April Fool - Bankruptcy Changes Florida Constitution Again by Carmen Dellutri, Attorney at LawBeware of Tax Loan Services (For [...]
There are many credit repair guides out there, they all use different approaches to fixing bad credit. The FlyingIFR guide is quite an aggressive method. I also read some guides from Credit Info Center and other sites. At the end of the day, guides are helpful but consumers need to read as much as they can. Have you ever asked yourself How can I fix my bad credit? or How to repair bad credit? FlyingIFR and the many other guides on the internet will get you started.
A real estate person told me that for every 1k down it is 8.00 off of each monthly payment?