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  1. Question: Credit repair

    by TheCleaner
    Answers
    28
    Views
    2,032

    All right I got what is the general tendency...

    All right I got what is the general tendency here, I'm not for it.

    I did what in my opinion is right, you don't like it and you are the owner or at least one of the moderators of this site so...
  2. Answers
    10
    Views
    995

    So at least one of the accounts still inside...

    So at least one of the accounts still inside statute. To my knowledge the best thing to do at this point is to send validation request to both original creditors and collectors, the chances are they...
  3. Answers
    10
    Views
    995

    In NYS SOL for credit cards is 6 years. 213....

    In NYS SOL for credit cards is 6 years.

    213. Actions to be commenced within six years: where not otherwise provided for; on contract; on sealed instrument; on bond or note, and mortgage upon real...
  4. Question: Account seized

    by TheCleaner
    Answers
    8
    Views
    820

    In order to see other ways to vacate a judgment...

    In order to see other ways to vacate a judgment please go to https://www.askmehelpdesk.com/bankruptcy-debt/account-seized-238125.html I gave you an answer there.

    You call the Clerk of Court...
  5. Answers
    7
    Views
    770

    Hi, how long since your last payment? Most...

    Hi, how long since your last payment? Most creditors use not to settle for less than 80% until the last minute before the charge off, this is six months after your last payment, few creditors won't...
  6. Answers
    9
    Views
    684

    Ways to vacate - No service - Unable to...

    Ways to vacate

    - No service

    - Unable to appear in court (Be creative, Give some good excuse you can prove)

    - Amount excede usura limits (Check state laws, you can get them here almost every...
  7. Answers
    3
    Views
    557

    If the account was closed by consumer and paid it...

    If the account was closed by consumer and paid it must be an error or a scam, make it simple go online straight to the BBB and attorney general consumer protection office and file complaints against...
  8. Answers
    9
    Views
    684

    Yeah, it use to happen, sounds like typical junk...

    Yeah, it use to happen, sounds like typical junk debt buyer stuff, you try your best to pay them even thoug they never lent you any money , they see it is easy, they start to play nasty and try o...
  9. Answers
    9
    Views
    1,293

    You both just don't get it, usually I always...

    You both just don't get it, usually I always recommend to keep your money but this time trust me go with the 570 it will save you trouble in the future. She didn't say pay off she said charge off...
  10. Question: Account seized

    by TheCleaner
    Answers
    8
    Views
    820

    It is the same thing over and over, people don't...

    It is the same thing over and over, people don't read.

    Call the bank and ask why you account is seized, they'll give you a reason and probably a court name. I don't even think that your account is...
  11. Answers
    3
    Views
    1,002

    A little over 600 won't do. You are looking at a...

    A little over 600 won't do. You are looking at a subprime loan putting the car as collateral and at least 20% APR, No cheap unsecure personal loans under 680 that I know of.
  12. Answers
    11
    Views
    1,201

    No, it is not, they are helping this guy to...

    No, it is not, they are helping this guy to conmit fraud, just sue them. The same moment he sent that fake contract if you have the original you got'em.
  13. Answers
    11
    Views
    1,201

    No, you first put together as much documentation...

    No, you first put together as much documentation about this guy as you can, send it to the bank saying that you are going to sue the guy and the bank if they don't do something.

    Inmediatlly...
  14. Answers
    9
    Views
    684

    I would keep everything separated, they can't...

    I would keep everything separated, they can't touch his wages, his accounts or his house but the shared bank accounts is a different story, also they could go after the house if your name is on the...
  15. Answers
    1
    Views
    707

    Since nobody else got this one I'll try to give...

    Since nobody else got this one I'll try to give an answer...

    I think it deppends on what kind of disability payment you get, the amount and state laws I should check it out in lawfind to be sure...
  16. Question: Lien on my Car

    by TheCleaner
    Answers
    2
    Views
    817

    Probably not, deppends on your state laws but I...

    Probably not, deppends on your state laws but I don't think so.
    Even if they can the only thing you'll have to do is keep driving that car until is ready for the junk yard.
  17. Answers
    12
    Views
    2,352

    Ok , so they didn't file law suit yet, or there...

    Ok , so they didn't file law suit yet, or there is not court date. Did you get any court papers, summons, or discovery request?

    Send them a debt validation letter asking for proof of their claim...
  18. Answers
    12
    Views
    2,352

    Wait a minute, a law office? How long since your...

    Wait a minute, a law office? How long since your last payment?
  19. Answers
    12
    Views
    2,352

    Ok... Are you still current on your payments? ...

    Ok...
    Are you still current on your payments?

    If not, when you made the last payment? Do you have already some account in collections or charged off?

    Wich cards do you have?

    Could you get...
  20. Answers
    13
    Views
    2,023

    You do have a credit report, it contains only...

    You do have a credit report, it contains only inquiries but the firs time you apply for credit the CRA opens a file on you, even if you are declined all those credit applications are now in your...
  21. Answers
    4
    Views
    1,919

    Check this out, The Credit Pulls Database. It...

    Check this out, The Credit Pulls Database. It will tell you who pulls what, when and what score you need to get aproved

    Credit Pulls Database


    I think you need to register for free with a...
  22. Answers
    20
    Views
    1,750

    The fractional allowance that the banks have in...

    The fractional allowance that the banks have in the United States of America is 9:1 or was not long ago it changes over time check that out with reliable sources and then tell me whatever you want to...
  23. Answers
    20
    Views
    1,750

    Sorry altenweg, I keep my savings in gold...

    Sorry altenweg, I keep my savings in gold certificates and european shares, not a loan guy, I have some money invested in prosper and looks like I going to loose it... all because people like me...
  24. Answers
    20
    Views
    1,750

    Still don't have it got to go down. Yeah, you...

    Still don't have it got to go down.

    Yeah, you got it, the bank only paid 1600 but the moment that factory give you the car in exchage of the new money, those 6400 are backed up with something...
  25. Answers
    12
    Views
    2,352

    Well Amura that won't happen anytime soon even if...

    Well Amura that won't happen anytime soon even if you win the lottery tomorrow an pay the whole thing off. They want to keep messing with your credit ratings. Once you are late a few months you are...
  26. Answers
    20
    Views
    1,750

    Shoot altenweg I don't have it, I'm only an...

    Shoot altenweg I don't have it, I'm only an engineer, I build things to keep it running I can't create money out of the thin air like a bank.

    Only way I could lend you a million dollars is if I...
  27. Answers
    5
    Views
    2,404

    Yup, call the collector only one time, don't pay...

    Yup, call the collector only one time, don't pay anything over the phone, don't give them any info just state the facts, they are collecting on the wrong account number you already paid the card and...
  28. Answers
    4
    Views
    747

    You shoul consult with a lawyer in your state...

    You shoul consult with a lawyer in your state about that, I can tell you that I believe that here in Lousiana also a community property state the banks can not touch the house if you are not in the...
  29. Answers
    12
    Views
    2,352

    If you are selfemployed don't have assets, bank...

    If you are selfemployed don't have assets, bank accounts or a house in your name you are absolutely judgment proof, just make sure the credit card companies and collectors know that.

    They can...
  30. Answers
    20
    Views
    1,750

    It shoul be illegal, the economic system we have,...

    It shoul be illegal, the economic system we have, that unlimited grow, unlimited expansion,fractional reserve system is going to send straight to hell the whole thing sooner or latter unless we...
  31. Answers
    20
    Views
    1,750

    Well, to be honest I must say that I don't give a...

    Well, to be honest I must say that I don't give a dam about the little green things, smart people will listen regardless of the color if what I say makes sense dumb people are hard to help anyway....
  32. Answers
    3
    Views
    642

    Yeah he is right, try to keep them from filing a...

    Yeah he is right, try to keep them from filing a lawsuit and play dumb at least until they sell the account to a collection agency, if you plan to eventually pay the whole thing off then make some...
  33. Answers
    9
    Views
    1,293

    It is Capital one... Not a good idea to go with...

    It is Capital one... Not a good idea to go with te charge off, that bank is pure evil, if you do that they going to keep reporting that account as CO for the next 7 years wich it will kill your...
  34. Question: Credit repair

    by TheCleaner
    Answers
    28
    Views
    2,032

    That's your opinion the way you think it should...

    That's your opinion the way you think it should be, the fact is that there is nothing in the FCRA or anywhere else criminalizing the dispute of information accurate or not, if you know better please...
  35. Answers
    4
    Views
    1,066

    Ok, I got a better offer. You go to Debt...

    Ok, I got a better offer. You go to Debt Consolidation Credit Counseling Free Credit Reports Increase Your Credit Score you start reading the stuff you'll found in there and any problem or doubts you...
  36. Question: Credit report

    by TheCleaner
    Answers
    4
    Views
    2,568

    Sure, no scores only free reports but as many as...

    Sure, no scores only free reports but as many as you want, not only one a year ike they want people to believe.

    The various CRAs tend to hide the free online access. For example, the Equifax...
  37. Question: Credit Repair

    by TheCleaner
    Answers
    4
    Views
    1,072

    The real issue about credit repair companies is...

    The real issue about credit repair companies is the price, they usually ask for 600 dollar to repair somebody credit but there is no way to get the job done right and make a reasonable money by hour...
  38. Answers
    4
    Views
    860

    The only way... You will have to convince them,...

    The only way... You will have to convince them, one by one, that they will get more money dealing with you and taking a settlement than sueing you and getting a judgment or selling the account to a...
  39. Answers
    14
    Views
    4,311

    Well I had deal with that mandatory binding...

    Well I had deal with that mandatory binding arbitration scam a couple of times before, when they came for me, and a few times more helping other peope. Nobody have to go into arbitration unless that...
  40. Answers
    5
    Views
    1,105

    SSI stands for Suplemental Security Income, is a...

    SSI stands for Suplemental Security Income, is a monthly government check for a maximun of 637 dollars, they can't touch that. Any other pension like 401K or retirement plans can be garnish in some...
  41. Answers
    14
    Views
    4,311

    You'r right, they never do it though. Ok...

    You'r right, they never do it though.

    Ok then... If they call you one more time begging for money then you can sue them, I'd like to see a collector in court trying to get the judge to believe...
  42. Answers
    5
    Views
    1,105

    Do the same thing, if the judgment gets vacated...

    Do the same thing, if the judgment gets vacated you can lift the bank levy right after.

    If the only deposit in that account is her SSI they can not touch the account, if you can prove that they...
  43. Question: Bank Levy

    by TheCleaner
    Answers
    1
    Views
    922

    More info is neeed to give you some solid advise,...

    More info is neeed to give you some solid advise, your personal circunstaces usually are not taken into consideration by the judge, also any regular payments or verbal agreements you made does not...
  44. Answers
    5
    Views
    803

    I guess you can, if the bankrruptcy is not listed...

    I guess you can, if the bankrruptcy is not listed and happened 8 years ago then all the acounts inclued are to old to be reported, I wouldn't mention that bankrrupt anymore just dispute the accounts...
  45. Yeap too late now, pay your taxas and start...

    Yeap too late now, pay your taxas and start disputing the accounts with the credit reporting agencies, since there is no more money for the collectors in there is not likelly that they are going to...
  46. Answers
    2
    Views
    1,280

    It deppends on how long ago he made the last...

    It deppends on how long ago he made the last payments, if those debts are out of SOL to file bankruptcy now would be foolish.

    Carl.-
  47. Answers
    2
    Views
    470

    Before you do that or anything else, how long ago...

    Before you do that or anything else, how long ago you made your last payment on that account?

    Carl.-
  48. Answers
    2
    Views
    478

    If your only income is Social Security SSI and...

    If your only income is Social Security SSI and you don't own a house or other assets you are pretty much "judgmet proof" they can sue you but they won't get anything out of it. Never heard of any...
  49. Answers
    12
    Views
    2,481

    You file with the court and then send a copy to...

    You file with the court and then send a copy to the attorney. In your motion add to what Scotgem said something as "Even in the event the plaintfill produce evidence of the existence of the alleged...
  50. Answers
    14
    Views
    4,311

    Why just don't send them a Cease and desist...

    Why just don't send them a Cease and desist telephone communication letter and forget about them, then if they call you one more time after receiving your letter you file suit in small claims for...
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