Introduce Yourself To the Community!

Hedwig · 06-18-2007, 11:36 PM

Welcome to the site. You have a better chance of getting answers if you start a thread in the credit forum with your question.

roybean · 06-18-2007, 11:40 PM

Quote:

Originally Posted by melmelly

Hello,
I'm Melmelly from Alabama; I would like to know if you don't respond to a Jdb within the 30 day period; can you request a vod a year later?

PR is right, but you would focus your arguement on:
1692g5
(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

BTW...post your questions in the credit forum so that you get a response from everyone who might know how to answer and help you.

Now...welcome to the site and kick off your shoes.

hannah · 06-19-2007, 12:33 AM

Quote:

Originally Posted by roybean

and kick off your shoes.

The SHOE thing again!!

roybean · 06-19-2007, 12:39 AM

Quote:

Originally Posted by hannah

The SHOE thing again!!

Do you have bad feet? Is that why you have issues with people taking their shoes off?

Hedwig · 06-19-2007, 12:41 AM

I don't know, but I hate wearing shoes. I'm barefoot every chance I get.

aspires2 · 06-19-2007, 12:50 AM

Hi, I am single mom in a lot of debt,--credit card debt due to wrong decisions, and simply just trusting people. I have decided to join this forum to hopefully get advice and support to help guide me thorugh this dilema.

My scores are mid 500 to low 600. I have already contacted the Credit Bureaus regarding some errors on the report. The hard stuff has appeared to be the old debts that seem to be reaging. I want to avoid bankruptcy, and I want to get rid of the collectors that call me a certain time of year to try and get money out of me. I hope that his forum can help guide me through it and get me back on track.

roybean · 06-19-2007, 01:07 AM

Quote:

Originally Posted by aspires2

Hi, I am single mom in a lot of debt,--credit card debt due to wrong decisions, and simply just trusting people. I have decided to join this forum to hopefully get advice and support to help guide me thorugh this dilema.

My scores are mid 500 to low 600. I have already contacted the Credit Bureaus regarding some errors on the report. The hard stuff has appeared to be the old debts that seem to be reaging. I want to avoid bankruptcy, and I want to get rid of the collectors that call me a certain time of year to try and get money out of me. I hope that his forum can help guide me through it and get me back on track.

Welcome aboard and you can take your shoes off too. Just post any questions you have in the credit forum and we will chime in.

Hedwig · 06-19-2007, 01:09 AM

Welcome. Post your questions in the credit forum and we'll help you.

Some of these debts may be out of statute, when you post we'll ask questions and check.

Until then, don't answer the phone if it appears to be a collector!

Aftermath · 06-19-2007, 11:45 AM

Quote:

Originally Posted by aspires2

I hope that his forum can help guide me through it and get me back on track.

Welcome from a fellow fairly new person!

You will get that guidance here.

I have more knowledge about credit and credit repair, just from being here a short time, than I have had in my entire life. (and I don't even know the basics yet)
Good luck. You'll get it worked out!

Aftermath

jlynn · 06-22-2007, 10:04 PM

I just wanted to be the first to welcome new member derrickandpam.

This ought to be interesting

Pale Rider · 06-22-2007, 10:05 PM

Welcome derrickandpam. How was the honeymoon?

jlynn · 06-22-2007, 10:19 PM

Wonder if they Habla espanol now?

hardyguy · 06-23-2007, 02:09 AM

Hello all. I read in someone elses post the possibility that creditors/collectors read these forums, so I'm afraid as to how much personal information I should divulge.

I am currently in debt, it is not any huge amount and all my CC's are paid up to date thusfar, however, one (good ole Chase) keeps going over the credit limit due to changes in the maximum credit limit (ie. being lowered) which if I become just a day late with the payment, I get hammered with a $39 returned payment fee (because the idiots didnt change the bank information as requested through their website), a $39 late fee and because of those fees, an over the limit fee of, yep you guessed it, $39. This happened just recently and it sparked the, "I'm tired of this sh*t" attitude.

I tried to get a secured loan with USAA today using my car as collateral (obviously have title to it) which has a low NADA retail value of just $200 less than what I was applying for to pay off the 3 credit cards (which have an average APR of 26%), but, got declined. I really thought I would get approved using collateral. Their reasoning was that there were "credit cards that show you are over the credit limit" which isn't the case and also deliquincies within this year, which IS the case, buuuut, the reason I am applying for the debt consolidation loan (auto loan more less, as suggested by USAA due to its lower interest and because I offered to use the car as collateral).

So, there you go. If a mod thinks I disclosed too much, please do delete as you see fit. I plan to make a more lengthy/detailed post in the credit forum, but, I also wanted to have some type of context in my introduction.

I'm already learning a great deal just from the day of lurking/reading here.. but, from what I can tell, either this site is more dedicated to those that have had their debts go to collection... OR it's recommended to let debts go to collections in hopes that the collectors will screw up. Either way, my main goal is to get the hell out of debt, so, whatever works, especially since my credit is obviously so screwed up to where I can't even seem to take the "responsible" step (ie. the USAA loan I applied for).

Anyway.. heyas all.

Pale Rider · 06-23-2007, 02:28 AM

Quote:

Originally Posted by hardyguy

... OR it's recommended to let debts go to collections in hopes that the collectors will screw up.

I would say that would be a bad strategy, unless you were insolvent and ready to file bankruptcy. Then there is no sense in paying money that could go to necessities for your family. If you can make payments and get out of debt, that will always be the better solution.

Welcome to the site, and glad to see you can post now. Start a thread in the credit repair section and we can start working on solving your problems.

Hedwig · 06-23-2007, 03:29 AM

Welcome to the site.

I think a lot of people here have some old debts, and when they are close to the statute of limitations sometimes it's better to not pay them. Otherwise, we don't advise that.

kathy_visco · 06-25-2007, 12:55 PM

I'm new at this so I will appreciate all the help I can get. Corrective criticism is okay...anyway I'm very interested in any recent lawsuits against the credit burea or major creditors that are in violation of the FCRA and also being sued for willful noncomliance. If anybody knows of any recent cases, I would appreciate that knowledge.

roybean · 06-25-2007, 12:58 PM

Hi, and welcome to the site.
Check out case law section and you can post any questions you have in the credit forum. Recent cases are good, but the ones that have set precedent are also important.

hannah · 06-25-2007, 01:00 PM

Quote:

Originally Posted by kathy_visco

I'm new at this so I will appreciate all the help I can get. Corrective criticism is okay...anyway I'm very interested in any recent lawsuits against the credit burea or major creditors that are in violation of the FCRA and also being sued for willful noncomliance. If anybody knows of any recent cases, I would appreciate that knowledge.

Welcome to IC! What state are you in?

jlynn · 06-25-2007, 01:01 PM

Quote:

Originally Posted by kathy_visco

I'm new at this so I will appreciate all the help I can get. Corrective criticism is okay...anyway I'm very interested in any recent lawsuits against the credit burea or major creditors that are in violation of the FCRA and also being sued for willful noncomliance. If anybody knows of any recent cases, I would appreciate that knowledge.

Hey welcome aboard - If you are contemplating suits and such, and your screenname happens to be your real name, you might want to PM someone at the Administrator level to change it for you.

Also, if you are looking for case law, please mention your state/circuit - thats a must have piece of info.

And Roybean has either forgotten her manners, or Hannah has traumatized her - SO TAKE OFF YOU SHOES AND SIT A SPELL.