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Type: Posts; User: goldie_9256

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  1. Answers
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    439

    She has NO assests except the car. The one title...

    She has NO assests except the car. The one title place she checked was 12% interest PER DAY.. and the payment on $3000 loan for 24months is one she cannot afford. She has not had a formal meeting...
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    439

    I believe they discussed the car.. but not the...

    I believe they discussed the car.. but not the part about paying the difference to the trustee and keeping the car. I just read this online. I was just wondering if anyone in this forum had...
  3. Answers
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    439

    Well.. she sort of has but we did not...

    Well.. she sort of has but we did not specifically ask this question... but I was curious if anyone in this forum knew.
  4. Answers
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    439

    Bankruptcy and car

    My friend has over $20K in debt. Her car is paid off. It's valued at about $6K. The exemption for the car is $3225. How can she keep her car? I read that you can pay the difference to the trustee...
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    663

    I owe about $4300 and I stopped making payments...

    I owe about $4300 and I stopped making payments about 3 months ago.
  6. Answers
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    663

    Credit Union Loan

    I have a loan with a local credit union. It is an unsecured loan. They are threatening to exercise their "legal rights". What does this mean? I only have a savings account with them, which I was...
  7. Answers
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    1,236

    I am doing the same thing. I am doing my taxes...

    I am doing the same thing. I am doing my taxes through Turbo Tax, but I believe form 982 is noted and it appears to guide me through. I settled about $15000 in debt, however, I still have about...
  8. Answers
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    759

    I am by no means an expert.. but some of mine...

    I am by no means an expert.. but some of mine went after about 3 months, others are at 6 months and the original creditor is still calling me. I just don't answer the phone if I don't know the number...
  9. Thanks. I appreciate the input. I think I will...

    Thanks. I appreciate the input. I think I will run the other way and consider this a loss and stupidity based on my part.
  10. Getting refund from debt settlement company

    I started with a debt settlement company (GHS Debt Solutions) in Oct 2008. I was desperate and misunderstood "how" they actually negotiate the debts. I am out $1100 and they have informed me that I...
  11. I settled w/ WellsFargo.. 40cents on the dollar. ...

    I settled w/ WellsFargo.. 40cents on the dollar. They were very nice, actually. I also settled w/ BOA.. 40 cents on the dollar as well. I was only about 4 months behind in paying these bills. I...
  12. Check out debt MANAGEMENT. I agree with...

    Check out debt MANAGEMENT. I agree with kayebird.. make sure it is not profit. I have heard of CLEARPOINT financial. They helped a couple of friends of mine and were great.
  13. Answers
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    I recommend you research before going to debt...

    I recommend you research before going to debt settlement. You have to accumulate funds before they even start negotiations and that could take months... even years. Most people don't actually...
  14. Answers
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    40% of the balance. They have been the best to...

    40% of the balance. They have been the best to deal with. The WORST has been Washington Mutual. They insist they can't go below 50% of the balance. Because of this, I have done hardship payments...
  15. Answers
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    841

    Debt Settlement

    I am in the process of trying to settle over $60,000 in credit card debt. Realistically, what percent of that amount will I end up settling on? I was told to start at a minimum of 25% and go from...
  16. Answers
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    1,588

    After talking and listening to several folks.. we...

    After talking and listening to several folks.. we have decided to NOT file bankruptcy and take the money and settle. I talked to a Debt settlement company and they indicated some of my creditors will...
  17. Answers
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    1,588

    Just harassing at this point. I am only just at...

    Just harassing at this point. I am only just at 30 days late on some of them.. the rest, maybe just a week or so late.
  18. Answers
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    1,588

    Inheritance or bankruptcy

    This is my dilemma.. I am $64,000 in credit card debt. I cannot pay any of my creditors. We have considered bankruptcy, however, now I am due to collect some inheritance of about $22,000. If I take...
  19. Answers
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    But.. before the bankruptcy is filed.. and we...

    But.. before the bankruptcy is filed.. and we stop putting money in the checking account that they usually take it from.. can they try to take if from my new account at a different credit union?
  20. Answers
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    I wasn't going to move money around.. I just...

    I wasn't going to move money around.. I just wanted to make sure I could go to another credit union and not worry about the new credit union trying to collect on the loan with the old credit union. ...
  21. Answers
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    Bankruptcy and credit unions

    I have a unsecured loan at a credit union. I was told to close it out and open an account somewhere else. If I open an account at a different credit union.. can the credit union for the account I...
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    Ok.. thanks for your help... Right now, I have no...

    Ok.. thanks for your help... Right now, I have no savings, neither does my husband. We both have 401K, however, we are putting in the minimum (1%) and we cannot touch that money. Interesting to know...
  23. Answers
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    goldie_9256.. we have not filed yet.. not sure if...

    goldie_9256.. we have not filed yet.. not sure if it will be 7 or 13.. Most likely 13 since we make too much money for 7... no late home or car payments. I know I owe the debt and understand most of...
  24. Answers
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    Inheritance during bankruptcy

    If I receive an inheritance during bankruptcy, chapter 13, must I give the full amount to the courts or can some be kept? The kept money will NOT be used to pay any creditor.
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