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Author Archives: Consumer

Would you continue making payments in my situation? – Dan

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Defaulting on 80/20 interest only loan intentionally. Have enough income to make mortgage payments. Home is approximately 100,000 underwater. Entering 6th year of mortgage, nothing towards principle at all. Payments adjust in 4 (2016) years with an increase of 400 dollars. DO NOT qualify for loan remodifications due to sufficient income. No chance of refinancing in the near future. 1ST ... Read More »

    Getting a refund from the Hoalm Advocate? – William

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    I went through My Hoalm Advocate around feb/march of 2011 ( that time they had an A rating from BBB). to make it short my house was forclosed on and in the agreed signed paperwork it stated I was to get a full refund of 3995.00 if they did not save my home. They requested I send them a notarized ... Read More »

      Will I be able to get a job in this situation. I’m on ITC. – Nelisiwe

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      I was working in a bank as a teller and I had clothing accounts and I paid I used to pay them the right way but then I lost my job then couldn’t pay my debts because I was on contract now I’ve asked my employees to reinstate me now they can’t because I’m on ITC please help and I’m ... Read More »

        Planning to Buy Foreclosed Nevada Home for Retirement. – Danel

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        Husband is retiring next year. Plan to buy a foreclosed house in Nevada for retirement. My husband got meager amount of money saved at Tiaacref. He wanted to take out $80,000 from that retirement fund, give daughter $30,000 to buy her own house and use $50,000 to put down or buy a foreclosed house in Nevada. My question is: Can ... Read More »

          Active Military With a Debt Consolidation Loan We Can’t Afford. Can I Go to Jail? – Carol

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          My husband and I were in a “good” financial situation. I had paid off the credit cards with a consolidation loan for which I am paying $800.00 per month. In 2008, I lost my job (we are military and got transferred). we ran up the credit cards again…We now owe about $60K, plus bills, two young kids (growing like weeds). ... Read More »

            How Do I Get My Money Back From Richard Brennan? – Chrissy

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            Well you probably already now just by the name I was looking up, Richard Brennan. I was scammed of course by the above so call credit relief helper when he scammed over 9,000.00 dollars. Yes I said 9,000.00 dollars. The worst about the whole thing is I am just a middle class worker who is in debt and still is ... Read More »

              Can My Creditors Take My Daughters Money From the Bank Account I Started for Her? – Beth

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              Divorce, Loss of Custody, Bankruptcy, lots of bad decisions, job loss — you name it. I lost my job 2 years ago and racked up a fair amount of debt. I also gained back custody of my oldest the year before she started college (still think it’s a plot by my ex) and thankfully, with my financial situation and her ... Read More »

                I Was Thinking of Enrolling With MMI. – Mae

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                I have a 48,000 credit card debt and I am seriously thinking about enrolling in Money Mangagement International Debt Management program. I understand that I would be debt free in about 5 years. I am to make my monjthly deposits and they would represent me with my creditors. Are they completly legitimate? I am uneasy about this and any other ... Read More »

                  Can I Trust Legal Helpers Debt Resolution Center? – Vicki

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                  Hi, My Husband and I are in our late 40’s. We have 2 kids in college, and we are in a LOT of debt, mostly credit cards. Never have missed any payments. Try to pay more than minimum (because we live on the credit cards alot). My husband has been laid off temporaily off and on this past year. Not ... Read More »

                    When Will My Defaulted Gym Membership Fall Off My Credit Report? – Sherri

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                    a gym membership that was for stopped The amount is posted to my credit report each month with and added two dollars. It looks like a new debt but is the same one. I had a death in the family and stopped the membership after paying for a year. They say a two year contract would have to be paid ... Read More »

                      How to Respond to Junk Debt Buyer. – Cherilyn

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                      My husband and I have a large credit card debt. We stopped making payments in early 2010. He is a 63 year-old disabled veteran with a small monthly pension from the government. He is also receiving $435 in Social Security per month. I am a 55 year-old independent contractor. I make money on a per-job basis, and due to layoffs ... Read More »

                        J Hass Group Wants Me to Retract a Complaint. – Margie

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                        I had filed a complaint on your website for JHass Group, they saw it, say I should take it off because my figure I sent was off by a small amt. (few hundred). They said I could be in trouble for libel, but I don’t know how to remove it, can you help? Margie Read More »

                          I talked to someone from Morgan Drexen and was not impressed with them. – Clara

                          Ready to Collapse

                          I have a couple of accounts that are very past due. I lived in Georgia, a state that has a 7 year statue of limitation, the 7 year limtation will be in 2014. However, I have relocated to Louisiana and I have been told that the statue of limitation is 3 years. My question is; Is this limitation for credit ... Read More »

                            What can I do to clean up the last hang ups on my credit report? – Jon

                            Ready to Collapse

                            6 1/2 years ago, my wife and I got married. She had just graduated college and apart from student loans, we had worked to eliminate her debt. Neither of us had car loans, I had a credit card with no balance, and I had just bought a house. This is where it gets ugly. I couldn’t technically afford the house ... Read More »

                              I Can’t Reach Anyone at FBL or Lifeguard Financial. – Taunya

                              Ready to Collapse

                              Three years ago my credit was perfect but I was in over my head and was solicited by Lifeguard Financial. They were very convincing in telling me that I could cut my credit card debt in half and reduce my monthly payments. They were not upfront about the fees. I have been making payments to them through Note World all ... Read More »

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