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The insurance forum has helped me tremendously

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fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Tue Feb 26, 2008 8:37 pm  

Anyone want to explain to me what 51 magic points are?
Ism

Ism

Joined: 13 Feb 2008
Ism's page
Posts: 43



2532 Magic Points

 
Posted on Tue Feb 26, 2008 10:27 pm  

The magic points are a way to reward us to post and share our knowledge. Each post earns points, 5000 points = $50!
There are a few threads in the announcements section if you want to read more about it.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Wed Feb 27, 2008 1:19 am  

Thanks. I did in fact find those posts and now understand what the magic points are.
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36528 Magic Points

 
Posted on Wed Feb 27, 2008 7:10 am  

Hi Fireyone,

Great to see you here on the forums. So can we expect you to be a regular participant amongst us?
_________________
Regards,
Laura.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Thu Feb 28, 2008 12:56 am  

Yes. I happened upon this site and found it very informational. The insurance forum has helped me tremendously. Talk to you soon
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36528 Magic Points

 
Posted on Thu Feb 28, 2008 5:38 am  

Thanks a lot fireyone. Hope you see you soon here. Our community is always available during crisis. We give immense support o people out here.
_________________
Regards,
Laura.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Sun Mar 02, 2008 1:38 am  

Your welcome and glad to be here even if it isn't for the best of reasons.
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 547



-100 Magic Points

 
Posted on Sun Mar 02, 2008 1:54 am  

Welcome aboard fireyone, good to see you here as well, I have seen you on the insurance forum, this forum works much in the same way, you will find the people here as helpful and as nice as those on the insurance forum. welcome aboard, glad to see you here and look forward to interacting with you here as well as on the insurance forum. If you are interested their is a mortgage forum and a debt forum as well at the top of the page is links to each of them. enjoy your stay.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Sun Mar 02, 2008 2:02 am  

Thanks goodnatured. I never thought i would find such help available on one website. I started here after an auto accident and have found so much more help beyond that. I very near and dear friend pointed me in this direction. Must say its been informational.
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 547



-100 Magic Points

 
Posted on Sun Mar 02, 2008 2:09 am  

Glad to see that you have found your way here and have developed some friendships here, we have all found ourselves in situations that have some how become out of control, here we can all discuss it and find some resolution, what works for one may work for many, we can exchange ideas and ways to work through things that have become so stressful and seems to be out of control, in reality, it is manageable, we just have to talk it out and come to a plan to resolve it. that is possible here.
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Sun Mar 02, 2008 2:28 am  

That is exactly what I am looking for. Have some old debt out there and was still continuing to get letter and phone calls so I thought I would read thru some of the posts to see how people was dealing with situations like mine. I believe it is past statutes but I don't know when the statutes of limitations changed from 6 years to 4 years here in PA. I haven't quite found the exact answer I am looking for although I did ask it on another post. Maybe you could help. If I aquired a debt back in 2000 and the statutes at that time were 6 years (I don't actually know this) and the state somewhere along the lines changed it to 4 years does the SOL run out at 4 or 6 years? I don't know if they go by the ones that were in effect at the time of the credit card or the new ones. A few years ago I checked it and thought that I had seen PA was 6 years at the time. I considered then paying off the debt but it became so astronomical. I $300 credit card turned in $1700 so quickly. There was suppose to be a one time beginners fee on the card of $99. Then a year later they charged me $99 and threw the card over the limit with. They wanted everything over the limits of the card, plus over the limit fees and so much more. A payment I was unable to make at the time. They wouldn't let me pay any less and so I sent in what I could but that just added even more fees since I didn't pay the amount they wanted and agghhh so on and so on.
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Thu Mar 06, 2008 8:54 am  

You can try a settlement. Beyond the SOL your debt is no more payable legally but the debt stays.
_________________
Keep in touch
Carol
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 4246



132 Magic Points

 
Posted on Thu Mar 06, 2008 11:15 am  

Yes I have got that understanding from reading on this web site. I would not try settlement for a couple reasons. !. The pay off is so high and I can not afford to pay it. 2. Making a payment would from what I gather reset the SOL. The debts are to clear off my record by Auguat of this year. Thanks anyway.

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