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    1. C

      Can I negotiate a settlement w/o a missed payment?

      What is the name of your state (only U.S. law)? CA I have $50K in credit card debt (2 BofA, 1 Chase). I am in the process of buying a house and got about $50K from my parents as help for a downpayment. By doing a FHA loan, I only need 3.5% down, which essentially will leave me with about $30K...
    2. C

      Planning ahead...should wife be on House title?

      What is the name of your state (only U.S. law)? CA Wife and I are about to buy a house and I'm wondering if I should put the wife's name on the house or not. Marriage has been turbulent, and usually fix the issues, but we've been married for only 2 years and its not been enjoyable. We are...
    3. C

      College has no records of existance

      What is the name of your state (only U.S. law)? FL Ultimately, I need to know if I need a lawyer or a Private Investigator. Long Story short, my wife attended Florida Hospital College and got her BS in Nursing in 2005. She moved to CA in 2007. Late 2007, we were trying to get her transcripts...
    4. C

      Question on Housing credit for first time buyers

      What is the name of your state (only U.S. law)? CA I had a question on the rules of what is considered a "first time" homebuyer. I was reading the IRS rule and it said: For purposes of the credit, you are considered to be a first-time homebuyer if you, and your spouse if you are married, did...
    5. C

      Tenant not paying rent

      What is the name of your state (only U.S. law)? CA I am renting my townhome to a tenant. Started in August 2008, signed a 1 year lease. The family had prior credit issues but they promised they were starting new and I was moving to a new city so I needed a tenant fast. For the first few...
    6. C

      Wife fired, not getting last paycheck

      What is the name of your state (only U.S. law)? CA Wife was an RN, started working but messed up with some medications and because she didnt chart right, they fired her. Legitimate reasons, not complaining about that. However, its been almost a month and still have not gotten the last check...
    7. C

      Are those Debt eliminators legal?

      What is the name of your state? CA Have lots of credit card debt and I see these commercials and stuff for companies that can eliminate your debt, or most of it. They say they negotiate with your creditors and come to a settlement that is much less than you currently owe. I don't see how this...
    8. C

      How can I find out if CC can increase my rates?

      What is the name of your state? CA I'm currently up to date with all payments, from mortgages to credit card payments. However, starting in July I'm going to stop making my mortgage payments, and in a few months do a shortsale (wife lost her job). My concern is the effect that it might have...
    9. C

      If I stop payments now, how long till deficiency judgement?

      What is the name of your state? CA I'm up to date with my house payments on first and second, however, wife just lost her job and license (she was an RN). Was breaking even with her income, now have to stop paying 1st and 2nd (total $2600) a month just to scratch by. So I'll be stopping my...
    10. C

      Short Sale or youwalkaway.com

      What is the name of your state? CA In 2005, I purchased a townhouse in Los Angeles for $426K. $0 down, 100% financing, interest-only. First was $340K, and second $86K, both with WFB. I purchased in 2005 because I just got a new high paying job in 2004, so I was ready to buy (or else I...

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