Credit repair

Is credit repair always a scam

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asked: Do you think credit repair companies are always a scam?

Yes

14%

19%

Somewhat

66%

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jessica_schaun

Joined: 08 Sep 2008
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Posts: 11

297 Magic Points

Subject: Do you think credit repair companies are always a scam?

Mon Sep 08, 2008 8:19 pm

who cares about anyone any more hell our own goverment does not! why would a company help you if they them selfs have nothing to gain?

goodnatured

Joined: 03 Nov 2007
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Posts: 3172

1095 Magic Points

Tue Sep 09, 2008 2:09 am

I guess that is the truth, ain't nobody doing anything for nothing these days, guess they are in it for the money, so if they can't make a dime, they are not gonna do it. Oh, well we don't have to use them right?

By the way, Jessica, welcome to the forum, good to have you here.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
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Posts: 2979

4409 Magic Points

Tue Sep 09, 2008 2:12 am

To make matters even worse tomorrow OPEC (gas companies) are having a meeting and want to cut down production because they are taking a loss at the gas pump. Anyone see their point?

peacockrancher

Joined: 07 Sep 2008
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Posts: 32

25 Magic Points

Tue Sep 09, 2008 11:39 pm

The price of gas has been really tough on everyone, you feel it in the grocery stores, in the feed stores and everywhere that you go to purchase anything these days. I have seen a big jump by $2 on dog food and my bird feeds have also risen. I try to purchase more than one bag when it is on sell so I am saving on the feed and saving on the price of the trips because I am not making as many.

We have to adapt ourselves to survive these days, cut back on the things that we don't really need, buy quality so it last not just quantity because it is cheaper, usually find that you will have to use more the cheaper product, so you are not really saving anything.

fireyone

Joined: 26 Feb 2008
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Posts: 2979

4409 Magic Points

Tue Sep 09, 2008 11:45 pm

I agree to all you said birdwatcher. I also believe in buying the better quality. Why buy an all cotton comforter when you can buy a down one full of feathers that will last for years to come. Add up how many others you buy in the mean time and see how much more you pay over the years for poorer quality.
I also buy two of things that are on sale. Things like sugar, bread (freeze it) and sauces. You know eventually you will use it and it won;t go bad so it saves you money later and as you said also gas money.

peacockrancher

Joined: 07 Sep 2008
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Posts: 32

25 Magic Points

Sat Sep 13, 2008 2:55 am

Are you responding to me fireyone? Who is birdwatcher, am I missing something here? I did not see anyone by that name here.

The only problem that I have seen with the comforters is the size, I don't like the really big ones, they do not fit in a regular washer, you always have to take them to a laundrymat.

Although I love my birds, I would not buy downed, I recently had a really bad experience with feather filled pillows, go to change the pillow case and end up with a room full of little white feathers, they fly away when you go to sweep them out and they always find a way to poke through the material and poke you in the ear or check.

fireyone

Joined: 26 Feb 2008
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Posts: 2979

4409 Magic Points

Sat Sep 13, 2008 12:58 pm

Yes PEACOCK I was speaking to you and just trying to lighten the mood. Please don't get your feathers ruffled as this was just a light hearted joke.
I myself do not like anything with feathers or even real fur. Guess I am one of those people who have a problem with any animal abuse, which is what I consider it when they go killing animals for their products only to fancify or enlighten someone or thing. I understand the whole killing for food but the others are wants not c=neccesities.

peacockrancher

Joined: 07 Sep 2008
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Posts: 32

25 Magic Points

Sun Sep 14, 2008 1:22 am

I understand where you are coming from, with the peacocks their feathers fall out, we do not pull them out, then it is just a gathering process.

My nephew stopped by and said that they were selling them at the motorcyle rallies for $1 a piece, I told him that I would save him some to sell next year, LOL. He said he would take them and then give me half the money. Guess there is no harm in that huh, as long as he gives me my part.

I don't know that he will be going next year, somebody stopped in front of him and he crashed his bike and totaled it out, he dislocated his hip, they had to put him out to pop it back in, he was in pain for a few weeks after the crash.

goodnatured

Joined: 03 Nov 2007
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Posts: 3172

1095 Magic Points

Sun Sep 14, 2008 5:39 pm

Did you nephew recover? alot of people around here are buying motorcycles to save on the price of gas, I would not because I am a big chicken to drive one and am really nervous about other drivers not seeing me on the road.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
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Posts: 2979

4409 Magic Points

Mon Sep 15, 2008 12:54 am

Thats why it is best to do it yourself. This is too much dishonesty out there when it comes to these places. I read Morningstars post. I know they are not to tell what the call is about but how do you prove they did mention it. Usually you can/'t. Only if they leave that m,essage on your machine that informs you "if you are not so and so please hang up" but if the person doesn't they still hear all the gory things.

peacockrancher

Joined: 07 Sep 2008
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Posts: 32

25 Magic Points

Tue Sep 23, 2008 1:41 pm

I thought it was a violation of ones privacy to leave a message with any type of information on it that someone could figure out that you have a debt pending or anything hinting towards that. I have read that several times on these forums, been reading a bunch of stuff lately.

Has any found that when you think you have a full understanding of something, then some one will come along and post another post adding to it. This credit thing can seem so confusing, just when I think I understand then something new comes up. I think the statute of limitations thing is the most confusing.

fireyone

Joined: 26 Feb 2008
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Posts: 2979

4409 Magic Points

Tue Sep 23, 2008 6:40 pm

I agree with you on the SOL. I really do find it the thing I understand the least. Everytime I think I have something figured out someone posts something else and I start wondering again. My biggest one is when the SOL actually starts. I gave up trying to get a decent straight answer. I asked several times and get two different ones. I am pretty sure I am past mine.

Justin

Justin

Joined: 17 Jul 2006
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Posts: 444

11493 Magic Points

Fri Sep 26, 2008 7:24 am

Hi Peacockrancher
Statute of Limitation is a very simple concept. It is the time duration during which a creditor can sue you to the court to bring judgment against you and can even garnish your wages and bank account to recover the debt. The statute of limitation starts from the date you last made your payment towards the debt and it ranges from 3 years to 15 years depending upon the state you made the loan agreement. If however, the Statute of Limitation expires, you are no longer liable for the debt and the creditor can no longer sue you to the court to recover the debt.
_________________
Best Wishes
Justin

goodnatured

Joined: 03 Nov 2007
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Posts: 3172

1095 Magic Points

Sat Sep 27, 2008 3:14 am

So don't pay anything that is past the statute of limitations.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!

fireyone

Joined: 26 Feb 2008
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Posts: 2979

4409 Magic Points

Wed Oct 01, 2008 1:16 am

That is the best advice and it isn't because we are wanting to rip off companies. Once the SOL has passe it has more than likely been purchesed by a junk collector and the original creditor has alread y wrote it off. All the collector does is annoy you to death and try to scare you in to making just one payment so the SOL can be restarted and you are once again liable.

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