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    1. K

      Post discharge

      Do not deal with FUSA or any creditor for that matter over the phone. I will let our resident experts decide what your next step should be but in the interim, do not call them.
    2. K

      "Who Pressed The Hold Button?"

      The Do Not Call Registry applies to telemarketers. Personally, I would prefer not to receive calls for political contributions or charitable contributions either, but one battle at a time. Telemarketers have established their reputation over years of abuse. They should not be surprised that...
    3. K

      family inheritance and a quagmire

      Pull your credit reports from TransUnion, Experian and Equifax. You are entitled to a free report after you have been denied a loan. That would be a great way to start figuring out what is happening to your credit. Once you do that, you should come back to the boards and post what you found...
    4. K

      "Who Pressed The Hold Button?"

      " And, why should your local newspaper company, your bank and any other companies you do business with get the right to call you (anytime) and the rest of us don't? " You just answered your own question. Because WE CHOOSE to do business with them. I pay a monthly fee to have my newspaper...
    5. K

      "Who Pressed The Hold Button?"

      I want the phone number of the judge that made this ruling. I would like to call him at all hours of the day and try to sell him things. Maybe he would get the point, most consumers do not want to be bothered at their home. Caller ID? I don't even want my phone to ring. New York as a...
    6. K

      bankruptcy and divorce

      So, just to reiterrate, she can't write a letter to creditors saying that the debt is solely her own and to release him from any liability regarding that debt? Your Answer: Writing a letter to the creditors telling them that she is soley responsible for the date would do no good. The...
    7. K

      Dell Hell

      If it helps, I took Dell with my bankruptcy and they didn't show up at the 341. I hopefully will be discharged in two weeks, I have not heard anything from them. The computer was worth money as it was purchased just prior to bankruptcy. I asked Dell for a copy of the agreement to show they had...
    8. K

      Quick Question about resolving

      Oh no.....Please don't do anything with Capital One until LadyinRed returns.
    9. K

      2 Questions Re: CC % rates and beacon scores

      Just my 2 cents... Moving unsecured debt (credit cards, etc) to a secured dect (especially when the collateral is your home) is a bad idea. You don't know what the future could bring and attaching that kind of liability to your home is a bad idea. I agree that there are some benefits (tax...
    10. K

      Partial Payment as Settlement

      Not to make this more confusing... joeslug said that the hospital refused his request to lower the bill. Even though they refused, he sent a check stating that the $1000 was "in full settlement for account xxx". It sounds to me like he was the only party in agreement with the "deal", in that...
    11. K

      how did they do it

      Most likely they did not sign "reaffirmation" papers with the mortgage company. If they did not sign a reaffirmation agreement, they would be free and clear of those payments. Experts, please feel free to clarify/correct me.
    12. K

      Using charge cards

      If you continue using your credit cards after you have spoken to a laywer with intentions of filing bankruptcy then you are committing fraud. When you sign a credit card reciept, you are promising to pay that money back to the creditor. If you knowingly use that card with no intentions to pay...
    13. K

      Salaried Employees

      What is the name of your state? New York In two weeks, a Fortune 500 company will announce to all salaried personell that overtime pay is being abolished. I am aware that salaried (exempt) employees are not legally entitled to overtime pay. However, will the employees have a chance to dispute...
    14. K

      341 meeting today!

      Meeting completed yesterday afternoon. Was called up within 5 minutes of entering the courtroom. Asked to state name, confirm signature on petition, ownership of real estate, asked if I wanted to retain real estate, if I had a boat/jet-ski, if anyone had died leaving me an inheritance. He...
    15. K

      341 meeting today!

      What is the name of your state? New York Just wanted to let you know that my 341 meeting is scheduled for this afternoon. I wanted to thank everyone for sharing their knowledge and expertise with me. Any tips I should know? My approach was just to answer honestly and succinctly. If you...
    16. K

      wage garnishes

      I am not near as knowledgeable as the other posters here but I can answer this one for you as I have read the responses to similar questions. When you file for bankruptcy, your creditors cannot garnish your wages. They would have to file a relief of stay through the bankruptcy court to continue...
    17. K

      When to file CH7?

      That is a great question. I was current when I filed. Honestly, I finally just sat down and ran all the numbers and my eyes fell out of my head. Although it is considered wasted money if you are planning on filing, it does seem to make it easier as there are no creditor calls. If I would have...
    18. K

      Bosina Summer Program

      What is the name of your state? New York This is probably the wrong forum. For that I apologize. Last year, I heard of a program between the US and Bosnia. This program brought children over to US families for the summer. I was wondering if anyone has heard about it or if they know how I...
    19. K

      unemployment appeal

      Please type in lower case letters.****
    20. K

      Tax returns after Ch 7

      ***Possibly. I think a lot depends on how much you get vs. how much debt you filed on whether or not its worth their while to even bother taking it. I will be filing a total of $44,000. All secured debts never been late/current. Tax refund could be about $1,200.00 at early estimates. Thank...

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