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  1. What kind of rate should I expect for a 659 credit score?

    Hey everyone. I purchased a home here in Florida back in April of '07 right when the sub prime market was in full melt down. I went ahead with a adjustable 3/1 loan with a rate of 9.3% knowing that I...
  2. Hello again, Thanks for all of your responses....

    Hello again,

    Thanks for all of your responses. I talked with the lady at the collection agency about this and told her that I would pay the amount contingent upon the collection agency not...
  3. How do I make sure Credit Report is really clear?

    Hello everyone,

    First let me say that this website has been extremely helpful to me in the past. I have used the information contained within to successfully defend myself in a previous collection...
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    Any case law pertaining to FL SOL on CC debt?

    Hello again,

    I'm representing myself in court soon due to being sued for a past credit card. I'll be using the SOL defense and have already filed the appropriate papers with the court. My...
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    So do I just let the mediator know that I have no...

    So do I just let the mediator know that I have no intention of settling out of court and have the case sent to trial? Thanks for your response.
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    Court ordered Mediation vs Court Trial

    Hello again,

    I'm going into a mediation next month concerning a past credit card debt that I am being sued for. I plan on using the SOL defense as the date of last activity falls past the statute...
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    Hello again, Well, I survived the pretrial...

    Hello again,

    Well, I survived the pretrial without much fanfare. The judge basically came into the room, asked that each person answer Accept or Deny for the charge. I went up, Denied the claim,...
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    Thanks again everyone. You have been a great deal...

    Thanks again everyone. You have been a great deal of help. This definitely helps me go into Monday with a little more confidence. Have a great weekend!
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    Thanks Mr. Yet By the way, should I file all...

    Thanks Mr. Yet

    By the way, should I file all of this information prior to appearing to the pretrial conference? The pretrial is set at 10:30am on Monday(9-10-07). Or, can I simply take the printed...
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    Summons to appear for past cc debt

    Hi, I received a summons last Wed. (9-5-07) that has me scheduled to report to a pretrial conference on Mon (9-10-07). The collection agency is suing over a debt they purchased from one of my old...
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