I'm meeting with my attorney on money. Left him a message today with a questions. He hasn't called back yet so I thought I would post my questions.
Once I decided to file BK, I stopped payment on all bills and mortgage (with exception of utilities). Should I have continued in order not to get 30, 60 or 90 day late on credit report? Also, DH lost his job (I was originally scheduled to file a Chapt 13) two days prior to my initial meeting with attorney. Met with attorney and he
Archive for August 31st, 2011
Bankruptcy and 30 [bk] [bankruptcy]
August 31st, 2011 
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Where do we turn or are we just out of luck? [chargeoffs] [mortgage broker]
August 31st, 2011 admin My husbands' scores (Fakos) are 575, 593, 582.
We have a bankruptcy in 2001. We also have 2 unpaid charge offs. We only have a late on a cc last year and no other.
We were for a loan on the VA refused to accelerate charge-offs, but also denied us and a mortgage broker told us it was absolutely nothing he can do for us for at least one year.
Is this really true? Are we out of luck, or are we just looking in the wrong place?
I would you offer any guidance appreciated. My
Loan is with underwriter! [pain in the butt] [underwriter]
August 31st, 2011 admin Ooops . I wanted to say paperwork is with the insurer, not loans!
Our LO sent our documents to the issuing bank yesterday. After drilling me paperwork that I do not need, and back and forth to ask the insurer if these papers is in order, one of the underwriters verbally approved the paperwork that we have the template. I thought LO was a pain in the ass, but he said he wanted to present not just to our paperwork, until we meet all underwriting guidelines. LO said he should know the answer
Navy Federal–Car Loan; promissory note not signed [navy federal] [bk7]
August 31st, 2011 admin We'll probably be filing BK7 in the coming months, the main thing keeping us from doing it sooner is that most of our debt is via NFCU. I know that everything is cross-collateralized so it's pretty obvious that we'll lose our car and we have to figure out how to handle that, plus pay for a lawyer, all that jazz.
HOWEVER… When we refinanced our car with NFCU, we never signed a promissory note. They realized their mistake and mailed us the paperwork to sign but we never did it;
New bill would rate credit cards on a star system [star system] [credit cards]
August 31st, 2011 admin http://www.kval.com/news/local/11900151.html
Should I pay Debt Recovery Solutions [recovery solutions] [debt recovery]
August 31st, 2011 admin It is an old local Sprint bill for $ 92, which is not a big deal, but someone has paid and then had success deleted from the CRA? I got the devil dv'd of 'em, and they just keep sending the same bull. But I would not argue worth it to me at this point. Anyone with experience in Debt Recovery I would really appreciate your input please.
At what time are you bound to a particular lender [mortgage broker] [loan application]
August 31st, 2011 admin I had a fairly high rate of over 10% I got an evaluation and returned a formal loan application, if a better offer came (about 7%) from a different lender, after 4 weeks no better offers and then decide to continue we would with the high range.
At which point it is too late, the current return wire to mortgage brokers say, sorry we have a better offer.
We already own the home outright. [trundle bed] [girl right]
August 31st, 2011 admin Okay, this may get long and I appreciate any one that reads and has advice.
We own our home outright. It is very small – only 2 bedrooms – and we have 2 children 1 boy 1 girl. Right now they share a room, but as they are 7 (DS soon to be) and 4 this isn't going to be acceptable for them much longer, as the room is VERY small – right now they are using a trundle bed. The house also needs quite a few repairs. I don't think anything very major, mostly things like new windows, sidin
The Captain joins the AMEX family! [application status] [amex]
August 31st, 2011 admin Checks americanexpress.com application status page this morning .
True result = allowed!
Thank you CB! I'm finally a part of the family.
PS: Who knows whether LUV button works for TrueEarnings card?