my mortgage company sent me a notice in Dec. of 2005 saying we were two payments ahead even though we are in a chapter 13 bankruptcy. I questioned this and they sent me a payment history showing we were ahead two payments on our post petition payments. We indeed skipped the next two payments. Then almost 2 years later we get a notice that we are behind and they are going to start foreclosure. They discovered that those “extra” payments were suppossed to go on pre-petition arearages, not post-petition payments, and moved them, making our payments past due. They stopped taking our payments and even returned two payments we had already sent. We have arranged a repayment schedule with them but now the back payments and attorneys fees are about $ 16,000. ! Not to mention that our credit and payment history is screwed up again! Is there anything we can do about THEIR screw up? At least something to help repair our credit?
Dems seem to think larger government will make everythink all better again.How? How can removing personal responsibility and placing lifes choices into the hands of politicians make your life better? Can’t afford a mortgage payment: don’t borrow the money. Credit card interest rates too high:stop buying crap you don’t need. Not making enough to live [...]
*Sigh. Somebody please give me some good advice. So, I make between 18 – 19 / hr at about 35 hours a week. That is a total income of $ 1900 a month. I messed up once in my past three years ago and my credit score is now 597. I have a history of [...]
I was not able to make my regular minimum payments on my Household Bank credit card and so my account (which was closed anyway) was sent over to a collection agency-NCB Management. When I was contacted by NCB about an arrangement plan to pay the $ 3,000 balance I owe, I was told that 6 [...]
I have a Ford Focus ZX3 2003 and I noticed that the car was overheating. The antifreeze was low so I got some and filled the car. The car was still overheating after few days so I went to a mechanic and he told me that the Coolant Bottle is leaking and it needs to [...]
My husband has some flaws on his credit report. (scored in poor section) He needs a credit card or store card that is easy to get to try and get a revolving line established. We plan on buying small amounts & paying off each month. Any suggestions for easy to get cards for people w/ [...]
I was just wondering if it made sense to refinance our 30 year fixed 6.25 home loan. We have owned our home for 3 years and 5 months. What does the interest rate have to fall to in order for it to financially benefit us to refinance?? Any help appreciated.
I’ve heard some scarry things about credit repair companies in Florida. Like they’ll take your payments but they won’t pay the bills. Anyone have this experience and with which company? Anyone have GOOD experience and with which company? This will help a lot of us.
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