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    1. E

      car repossesion

      This first thing I would do in a case like this would be to dispute the repo with the CRA's. This is not a case of "not telling the truth" you are just simply asking the CRA's (Credit Reporting Agencies to validate what they have in your credit report. Dear Sir, I noticed a rating on...
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      past due cc accts

      Normally, I don’t get in a back in forth email chain regarding “your” knowledge versus “my” knowledge because we all are just giving opinion based on our own experiences. Again, I am speaking from my own experience and what I will do or have done and it has work for me and many others. You...
    3. E

      past due cc accts

      I have yet to here of credit card companies hauling people in court via a subpoena because they could not make good on their payments. As with the previous posting, I honestly do not recommend CCCS or any other consolidation company because it just gets you further in debt. You could act on the...
    4. E

      Writing Bad Checks

      :( First off, if you wrote the checks with the intent not to pay due to your other obligations then you wrote the check fraudulently. I called that floating checks. Writing a check for one thing and taking the money out before it clear for something else. Taking form Paul to pay peter. The law...
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      Contacting employers

      oops sorry for the typo but that is the "LAW" I was speaking of. Thanks for the correction.
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      Contacting employers

      I don't think you could do that unless you have some type of personal relationship that extend far beyond the work place. This could back fire in your face in small claim court for slandering. The laws does not allow the debtor to contact and employer regarding the amount of money that the...
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      death of business owner

      I agreed with the last posting in "some" of the contents. I (meaning me) would be left up with two choices. One cut your loses and sue the lady which, I doubt if you will get anything consider she is not in your state and what you will spend in traveling back in forth to court etc, could add...
    8. E

      Stolen Car

      On the back of most car parking lot ticket where they allow you to park your car or someone parks your car for you is a disclaimer. The question stands, were there a disclaimer on your ticket given by the valet person? I think you will have to prove negligence in what insurance they cover for...
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      items paid in full

      I am in total agreement with the last post
    10. E

      Auto Repossesion

      It seems that your original loan was sold to another collection agencies. And of course they are going to come after you for the money that is owed. However, Here are some suggestions to consider: 1. Send them a validation letter to prove that you owe this debt. 2. You can also dispute this...
    11. E

      Can They Take My House & Car?

      There is always a way around situations of this nature. Here is what I would do. I will file a chapter 13 Bankruptcy. This will allow you to keep your property and car along with any other assets. Your debt will be assigned to a trustee of the court in which you are require to make payments...
    12. E

      Checks in collection

      Getting a copy of the money order should not be that hard. It usually takes about 30 - 60 days but the wait can be worth the win. If you have "valid" proof that the money order was cashed then of course that shouldn't be too hard to dispute. The question still stands as when exactly did you...
    13. E

      Now what do I do?!

      In the words of the Game Show Announcer: "That Not All" Your other course of actions would be to settle with the attorney for the amount "YOU" could afford not what they want you to pay. The catch to this settlement (LOA) (Letter of Agreement) is that you will pay the complete agreed amount...
    14. E

      Finding my creditors

      The law requires (FCRA) all credit reporting agencies to give you the information of any company or compaines that report information about you. Send your request (Certified Mail) to the CRA requesting that they provide you with the information (addresses, and phone number) of those companies...
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      past due cc accts

      Can they take your car? Yes, if there is a loan out for the car in you failed to make payments as agreed then yes they can come and repo your car. Can you make small payments to your credit card compaines for the time being? Yes, if you contact them and let them know that this will be a...
    16. E

      credit reporting

      Should the MOP BE DELETED AFTER THE BK "I was discharged from a Chaper 7 bankruptcy late last year. Some Accounts that were discharged indicataed that the account had been "charged off", while others indicate that the account was past due 30 days or more in some cases" First question: How did...
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