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robert cook

Subject: received letter frompalisades collection
Posted on Sun May 15, 2011 5:23 am  

i wana know how do i go about tracking down what this is intittled to i have everything fr acct # to debtor id # i calld once b4 they claimed didnt show record idk if this is a scam or if iv been victim of i.d theft HOW DO I PULL UP FULL ACCT W EVERY BIT OF INFO I DO HAVE

Subject: GE Money Bank
Posted on Thu May 26, 2011 11:42 pm  

In November and December of 2010 I made the last two payments to GE Money Bank to settle a bill my husband co=signed for our son's dental treatment.

I have copies of both checks, front and back, showing that GE deposited both checks into their account. They also show as paid on my bank statement. They started calling me again in February, and said they had no record of payment and now I owed $1100; That's double what the bill originally was.

GE Money bank sold the account to Atlantic Financial, and they sold it to a debt collector attorney. They discovered that GE Money Bank assigned the payment to our JC Penny Card, rather than the collection account. JC Penny sent me a check for $174.00, since we owed them nothing. My bookkeeper deposited the check sometime in February.

So. The debt collector knows we made the payments; she knows that GE sent the payment to JC Penny, who sent the money back to us.

I said I would a replacement check for the original $174.00 but the debt collector said that wouldnt be enough. I have a feeling they paid more for the debt than the $174.00 would cover.

I did everything I said I would do, and GE screwed this transaction up at every turn. Now my husbands credit is suffering, and we are being held financially hostage by this mess.

Anything you can suggest to help?
Thanks so much
investment properties loa

Subject: investment properties loans
Posted on Tue Jul 05, 2011 8:36 am  


Here i am newbie.A card issued by a financial company giving the holder an option to borrow funds, usually at point of sale. Credit cards charge interest and are primarily used for short-term financing. Interest usually begins one month after a purchase is made and borrowing limits are pre-set according to the individual's credit rating.



Joined: 22 Dec 2009
Sarahb128's page
Posts: 2

0 Magic Points

Subject: Introducing Myself
Posted on Thu Jul 14, 2011 9:10 pm  

Hi everyone!

While I have been following your page for sometime now, this is my first time introducing myself.

I am trying to decide if it would be better for me to file Chapter 7 Bankruptcy or attempt to repair my credit myself .

If anyone has any suggestions or advice concerning this matter please feel free to offer.

Most of my debt is contributed by Student Loans.
Sarah B.
Mom of 3
Beginner - Poor Credit

Subject: new guy on the block
Posted on Sat Jul 16, 2011 11:06 am  

Hi everyone I'm Adrian. 20 years old live in southern california. Made a couple of mistakes years ago looking to fix them now thanks for any help.

Subject: New
Posted on Mon Aug 08, 2011 12:51 pm  

Hello, I am 38 and looking to work on my credit,I am going thru a divorce in which I was left with 50,000 in debt. I am working with a debt relief company and have paid off 3 of my companies and working on a 4th. I am also working on paying off my other debts like my car and house using a debt system I learned years ago. I have a few companies that are trying to take me court even though I am working with the debt settlement companies. It is very frustrating, I am willing to pay them, but I can not pay them all at once.

Subject: Hello!
Posted on Wed Aug 10, 2011 5:12 pm  

I've just joined and I'm excited to have found this site. I need some serious help with my question in regards to credit and I hope to obtain some answers!!! Cheers!

Subject: Bankruptcy and car charge off problems
Posted on Wed Aug 24, 2011 4:00 pm  

I filed bankruptcy and it was final june2010. I continued to pay my car payment and had requested to reaffirm the loan with the bank, the lawyer and I never heard back, so I paid 750 a month for almost a year. I was also ahead in my payments by 2-3 months at a time. Now I paid 300 or 450 at a time yet kept the payments ahead. Then I receive a letter from the ban stating that I did not pay on my car as agreed. Okay so the 7500 dollars I paid in the last year did not count. I called the bank, went in to the bank and they said nothing could be done about it. I really feel that they took my money and falsely accused me of not paying on time and I have my account information to prove that I did and I was current.
I am so confused.

Subject: New to This Site and Need Help
Posted on Thu Sep 15, 2011 10:15 pm  

Hello, I am Disabled and can no longer afford to pay my Credit Card Debt. I need to know if they place judgements on me can they lock me out of my apartment ? I do not own any property and after I pay my rent,phone,food and electric I have very little money for the month Please Help ASAP with an Answer so I know what to do. Thank you.

Subject: SSI +collection agencies+ Bank act seizure
Posted on Fri Mar 23, 2012 6:27 am  

SSI is my only source of income-I am receiving several call a day from a well know collection agency-can they freeze/seize my bank account.

Subject: Help
Posted on Mon May 14, 2012 1:10 am  


I live in St. Thomas VI and they have absolutely no prepaid or gift cards unless you open a bank account. My wife and I have come on really hard times and both have a judgement for $5,000 because of an eviction. We can not afford to have any money seized so we have no way of paying bills or ordering any of the stuff we need desperately on line. Being in the Virgin Islands it is impossible to survive here without being able to order anything from the states. I don't understand why this is the only place in the world that you can't get a prepaid or gift card without a bank account.
We have a Kmart which has numerous gift cards as well as a walgreens but no gift cards like they have in every branch in the states. I called numerous prepaid credit card companies but they won't send a card here or let us fill it with a mailed money order. PLEASE HELP! WHY IS THIS! WHAT COMPANY WILL SEND US A PREPAID CARD!
I should mention that we did find 1 company but it was $140 for every$100 you can spend which is criminal.

Somebody please help us we have no where to turn,
Mike n Lindsey

Posted on Mon Jun 04, 2012 12:15 am  

Hello All,
My name is "good consumer', and I have bad credit.
Just happened upon this website, as I was looking for a reply on how to respond to a summons I received. I am named as a defendant in a civil law suit, whereby a company that owes me money is filing for receivorship and bankruptcy. Wanted to find out how to respond.
Thanks for having me.

Posted on Wed Nov 28, 2012 6:52 am  

Hello, bad credit and all I have been fighting climbing student loan rates and am looking for ways to help my credit from the damage that these loans have caused. If anyone knows how to communicate with these collector's I will take all advice.

Joined: 14 May 2013
jodan20xx's page
Posts: 1
Location: Illinois

0 Magic Points

Subject: me
Posted on Tue May 14, 2013 8:51 pm  

Howdy folks, my name is Jordan and I have been working on my credit for about a year now actively due to the fact that me and my wife are ready to buy our first home! Turns out, that is a major pain in the rear.

Anyway, I look forward to helping in any way that I can and maybe getting a question or two answered.


Joined: 07 Jul 2013
DakotaEverhart's page
Posts: 2
Location: Georgia

30 Magic Points

Subject: A New Day!
Posted on Sun Jul 07, 2013 8:28 pm  

Pre-recession, I had a great little family, a great job and enjoyed an empowered lifestyle an 800 credit score brings.....

Flash forward a few years, I'm now a single dad, in a new career... Foreclosure, repossession and bankruptcy behind me now, trying to get back on track. I'm spending time reading these forums, trying to learn new strategies to attack the issues I'm facing. Thank you for the information provided here.

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