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Gentlemen,

My point in this thread is that you may have no idea that you are being sued until you receive the notification of default judgement.

Let me further clarify what I meant: Don't...

In the State of Ohio, credit card companies are NOT serving papers to people who they file a lawsuit against. According to my attorney, they are only required to advertise in the legal notices...

If you can prove that you are released with this document, the credit bureau's will update your report to show that. You have to send a copy to each of the 3 bureaus with a letter explaining the...

Based on the information that you have supplied, I would advise against refinancing. Most lenders will not allow you to refinance if the property is listed for sale in the Multiple Listing Service...

Captain Forest is absolutely correct. FYI: The credit card company is not required to serve you court papers in most states. They will go to court and get a default judgement, because you weren't...

It won't affect your credit but remember: If you ever decide to part company, your partner will have as much right to the property as you do. You could be forced to sell or refinance to "buy out" the...

It would be difficult to justify refinancing, regrdless of your current rate. A 2 percent difference in rate, with a loan amount of $50,000, is only about $68 per month. If the existing loan amount...

It is tough to get a good deal on a mobile home loan. Do you own the land under it? Is it a single wide or double wide? Is this for purchase or refinance?
There are some FHA programs that might be...

Here are a couple of sites that may be helpful:

http://www.bankruptcycanada.com/debtcollectors.htm

http://www.canlaw.com/credit/indexmoney.htm


I took a quick look and found that Canada has...

Check your schedule of creditors that appear in your bankruptcy papers to see if this creditor is listed. If they are, inform them that the debt was discharged by a Federal bankruptcy court, give...

I have checked them out. They are legit. It is part of the Fair Crdit Reporting Act. You have to give your SSN on the 800 number too. It is the only way that the credit bureaus can identify your...

I went to www.optoutprescreen.com and opted out. The offers stopped coming. I also noticed that my credit score went up about 20 points!
I have recommended this to clients and they have experienced...

I would immediately contact your local legal aid agency. It sounds like your sister would easily qualify for their free services. Don't go up against this law firm without legal assistance.

If the credit card company has sued for and received a judgement, they can file a lien on your property, regardless of the fact that you are making payments.


Note: I am not an attorney. You...

You can put as many names on a deed as you want. That would be the only definite way to insure that the property could not be sold without your agreement.
I am not an attorney, so I am not sure how...

Are you saying that some work was done to the home that the inspector will not pass before some corrections are made to bring it up to code?
If this is the case, let me know. I know of some...

When you went to mediation, did the mediator specify a time limit in the agreement to buy you out?
I do a lot of refinance work for people going through divorce and generally, a divorce decree will...

Many of the loans that have closed received a Refer/Eligible. They then were manually underwritten. I would like to stress again that compensating factors are always HUGE in these lower score...

I believe that you are right on Dr D. I have seen a large increase in short sales recently. Bernation, if you have a Realtor, they should be able to tell you if this is a short sale situation.
This...

Over the past year, I have have closed several FHA 97% purchases with credit scores in the 510 to 530 range. The buyers were required to pay off any collections that were less than 24 months old. The...

Most counties do not require you to change your name on a deed when you get married. Call a local title company and ask them about your county.

Some non profit organizations have short term payment assistance programs. I would start with some of the larger churches in your area or The United Way.

Dr D is right on! I have counseled people to never use an interest only loan to buy "more house" than they could otherwise afford. The 30 year fixed is by far the least risky. Dr D has given some...

You can add your name to the title with no problem. Your boyfriend can sign what is known as a quit-claim deed. This is a document that allows the owner to add you to title.
Any title company will...

You both DO NOT have to be on the mortgage if your husband makes enough money to debt ratio by himself. A mortgage loan CAN be taken out in just your husband's name.

As long as the judgement has...

Be aware that a credit card company is not obligated to contact you personally when filing in the courts. In most states, they are only required to post the court date in a legal section of a...