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    1. N

      Judgement question

      What is the name of your state? NC Hello, A friend of mine had her husband leave her several years ago and used a credit card as a last resort to live off of. To make a long story short, she fell behind on all her bills and finally got caught up, except for this one credit card. It eventually...
    2. N

      Is a subsoil drain system required?

      What is the name of your state? NC We bought a new constuction home in April, 2005. After garage flooded with water coming up from flooring, I dug down to the foundation near front corner of house. I continued digging out, of course there was standing water 9 hours after it had stopped...
    3. N

      Lender's app at closing doesn't match broker's app

      What is the name of your state?nc Okay, I have a really bad feeling about this and need some good insight. I have trusted our broker. We had a foreclosure completed in 12/03. The mortgage WAS DISCHARGED in our ch7 in 12/02. When we started mortgage shopping, 2 of the 3 brokers that presented us...
    4. N

      What are my rights, can landlord evict us immediately?

      What is the name of your state?NC Wife and I started renting a house in 5/03. We signed a 1 year lease with landlord. It was a California lease, and we are in NC, if that makes any difference. Anyway, we had told landlord that we wanted to buy house from her on several occasions. We tried...
    5. N

      Mortgage complications

      What is the name of your state?nc Okay, first off, we are renting a house in which we have a verbal agreement to buy for 90k. We started renting from our landlord in 5/03. She stated that when we decided to buy the house, the price would be 90k. We were discharged from a chapter 7 in 12/02. In...
    6. N

      Complex situation, need pros advice

      What is the name of your state?NC Okay, first off, we are renting a house in which we have a verbal agreement to buy for 90k. We started renting from our landlord in 5/03. She stated that when we decided to buy the house, the price would be 90k. We were discharged from a chapter 7 in 12/02...
    7. N

      Need help regarding dispute of workers comp bil...............

      What is the name of your state? NC Help me, I got a CA calling me about a workers comp bill.... Currently, after going thru a chapter 7 (discharged in 12/02) and getting everything correct on all 3 credit reports, other than the occasional Fleet and First USA idiots reporting chargeoffs...
    8. N

      Need legal advice on ITS............

      What is the name of your state? NC I am about to send an ITS to a very large bank that is supposedly very AMERICAN (you can figure it out) for non-pp violations in the form of A/R's on my credit files. Anyway, I have already sent two letters and now it is time for the final one. I am...
    9. N

      Religious discrimination

      What is the name of your state? NC I recently accepted a position with a company that was getting ready to open another unit of operation in another city. This was a franchise of a company based out of Florida. Well, upon hiring, it was stated to me that I would have to complete a training...
    10. N

      Need sueing directions

      What is the name of your state? nc Okay, first I want to says a big thanks to sassy for the info in the chatroom the other night. Next, here's my situation: http://www.creditboards.com/phpBB2/viewtopic.php?t=15922 Now, if these idiots send me a "Go get a life, we are not doing anything"...
    11. N

      Is this a good pre-ITS letter?

      What is the name of your state? NC Here's the story: http://www.creditboards.com/phpBB2/viewtopic.php?t=15838 Now, I am sorta skeptical about exactly what to expect and demand for. So I tried to create a "I got you by the b***s so what do you want to do to get me to release my grip?" kind of...
    12. N

      Advice needed re: TL mortgage inaccurate reporting

      What is the name of your state? nc I just found out that the mortgage company (Washington Mutual) is reporting our mortgage 120+ days past due!!!!!!!!!!!!!!!!!! Here's the story: Wife and I filed chapter 7 and got discharge in 12/02. Did NOT reaffirm mortgage, but elect to keep house by...
    13. N

      Taxable?

      What is the name of your state? nc Me and my wife filed a chapter 7 and got our discharge from our debts in December, 2002. We elected to stay current on the payments of our mortgage instead of reaffirming. In May, 2003, we abandoned our house and allowed foreclosure of the house. To my...
    14. N

      Is this taxable income?

      What is the name of your state? NC Me and my wife filed a chapter 7 and got our discharge from our debts in December, 2002. We elected to stay current on the payments of our mortgage instead of reaffirming. In May, 2003, we abandoned our house and allowed foreclosure of the house. To my...
    15. N

      Post Ch7 Mortgage Possible in my situation?

      What is the name of your state? nc What is the name of your state? NC Hi, I have been here before, so here's a brief past of myself; My wife and I filed Chapter 7 in 8/02 and got discharged in 12/02. We elected to keep the house (listed the value @ 55k, payoff @43k) on advice from our attorney...
    16. N

      Post Chapter 7 Foreclosure Question

      What is the name of your state? NC I was wondering about my escrow balance on my mortgage. I went thru a Chapter 7 and was discharged in December. I did NOT reaffirm my mortgage and last month, I decided to let my house go back to the mortgage company. I know for a fact that the house will...
    17. N

      Who is my true landlord?

      What is the name of your state? nc Okay, my wife and I are getting ready to sign a lease agreement with Susie Smith (names changed to protect the possible innocent). Susie is getting ready to get married to Bob and they already have another house. They are getting ready to finish moving out of...
    18. N

      Who is my true landlord?

      What is the name of your state? NC Okay, my wife and I are getting ready to sign a lease agreement with Susie Smith (names changed to protect the possible innocent). Susie is getting ready to get married to Bob and they already have another house. They are getting ready to finish moving out...
    19. N

      Post Chapter 7 Foreclosure

      What is the name of your state? NC I have been victimized by the internet! Haven't we all? Seriously, I have been given/seen conflicting information regarding my situation. My situation: My wife and I secured a FHA guaranteed loan through your company in July 1996. Since then, our situation...
    20. N

      Idiot Realtor

      What is the name of your state? NC Here's the situation, we have perfect credit, except for the Ch7 discharged last December. We apply to rent a home and our credit reports are up to date and accurate with no negatives except chapter 7. We were denied solely based on our Ch7. Is this normal/...

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