Recent content by baker10

I am in Ohio. My husband and son were recently in an accident ( over two weeks ago). The other driver was cited and given a ticket for failure to yield. The driver paid her ticket and her insurance company began collecting info from us for our claim. Now she says she is not at fault. This would...

AFter filing bankruptcy ( in Ohio) on Sept 21st. My mortgage company mailed out a collection letter to me postdated Oct 1st. Is this a violation of the automatic stay? Should my lawyer be notified? Five days later, they filed for motion for relief of stay after which my lawyer told them we...

I live in Ohio. We filed bankruptcy on Sept 21. We are now just a few days over the 60 day late mark on our mortgage. We have no equity. We intend to have our mortgage payment current by our 341 meeting on Oct. 24th. Today I received a notice of motion for relief of stay and abadonment from the...

My husband and I have a Verizon cell phone account that we intend to keep and have been paying on. Shortly after we signed on for our accounts, my husband opened one for our daughter in his name. She ended up losing her job and was unable to pay the bill and it has gone to a collection agency...

We informed one of our creditors recently that we intend to file bankruptcy. This was not an easy decision but we feel it is our only option at this point. Upon hearing this, one of our creditors pulled our credit report and called me, read it to me over the phone and tried to talk me out of the...

As for disposable income, would my SSI disability count? Also being housebound due to a disability, would my giving my husband power of attorney allow him to represent me in court and the creditor's meeting? We also had a bankruptcy ten years ago and it is supposed to come off of our credit...

Thanks again for your time!

Thank you Veronica! I don't have a problem with it, if it was legal. The woman at the bank did say that she thought they would have a sign up at this particular store. Have a nice weekend!

No, no slip was signed and the check was not voided out and handed back. My bank is usually very reliable, but recently merged with another bank and now everything is live and confusing. The fact that really made me wonder was that both 30.00 fees were posted under the same check numbers. In the...

I was checking my bank account and noticed two checks had cleared in the amount of 30.00. I knew that these checks had already been paid by my bank in the amount of 9.58 and 22.19. The same check numbers were used twice, once for the check amount that I wrote and again for each 30.00 charge...

Consumeraffairs.com has some info on mortgage litigation. Hope that helps!

It is possible to subordinate the amount of the subsidy as a lien on the property to be paid only if the house is sold. However there are a lot of strict guidelines and I don't know if you would qualify. Two of the guidelines are no cash out directly to borrower and no other debts paid off. In...

No actually I am pretty sure that they are on pins and needles making our case their top priority! LOL

Thank you. I have spoken with him about being more aggressive, but was told that the best approach is to be patient. I just wanted to make sure that it wasn't being neglected. So for now, we will sit tight and wait for a response. At least they must be considering our evidence or I think they...

I have had a dispute with my mortgage company since the beginning of October. My lawyer took our case to try and work out a settlement for the mortgage co.'s negligent handling of our loan origination. This lawyer informed me that mistakes were definitely made and we had a solid case. He...