Foreclosure...

[okarol]

Thank you all for being there for me (and each other) as life's little challenges occur, friends and family like you all are the best thing to have 

Yay, tequila shooters all around!! 

[KT0930]

So glad to hear it, Susie! 

[Ken Shelmerdine]

  Susie that's wonderful news. I'm absolutely delighted for you. Hope you never reach that situation again. 

[angela515]

  Susie, so glad to hear the good news.

[goofynina]

Ohhh my friends my friends my friends, will the madness ever end? (i think it will when i die)   Last week, we got served papers that we are getting sued for a credit card that we've had for a long time now.  Last October, we joined a Debt Consolidation program and they deduct $350.00 a month from my checking to take care of these bills, we have since changed our number cuz the phone calls were starting at 8 am exactly and not ending until 9:pm exactly, annoying it was and i was about to have a nervous breakdown, so we did change the phone number we've had for the past 10 years, Now, somehow, they are getting it, i dont know how, but they are, I had to breakdown and tell my mom about the papers cuz her name was on the credit card as well, but it was my responsibility, i told her i was going to take care of it, go to court and after talking to the Debt People, they said all they can do is send me a document to show the judge that we are in a Consolidation Program and we need to explain our hardship (which is my health) and that should take care of it.  I hate the fact that i have to go to court but i have to take care of this.  I have come to terms with it and Sam and i went out last night and enjoyed ourselves with a nice dinner just to try and re-group our thoughts and finances, well, guess what,  Today, Sunday, we got served some more papers for another Credit card company. WTF?  What the hell are these debt consolidators doing with all that money i have given them so far? i am totally not understanding this and i am about to break.   Sorry, i dont rant much but dammit, i am pissed 

Whew, but i feel a little better just telling you all, soooo, how has YOUR day been  

[angela515]

Susie, I am so sorry hun. 

Can you call the consolidation people and demand papers to show what they are paying eah month with the money your paying them? I sure hope so, you have the right to know.

I wish I could offer more advice but I have none.. I am in the same situation as you except I dont own a house so I dont really have anything anyone can take from me but my life...

 

[Sluff]

Susie you need to see a lawyer and do a Chapter128.

It is not a bankruptcy, it is a consolidation plan through a trustee, all legal. Add them all up add on trustee fees and filing fees and amoritize the total for 3 years. I have done this and you won't get screwed or bothered with. It is a loop hole for those who can't file or for those who don't want to totally mess up their credit report.

Not all Lawyers are aware of this loop hole call around. I have done it so I know it exists.

[Hawkeye]

WOW I was reading the thread and was going to congratulate you on everything but kept reading till I got to the end.  Man that really sucks that the credit card companies are hounding you now even though you have a debt consolidation company working for you.  Sounds kinda fishy tome that they are after you if you have that company paying them.  I thought those companies worked by negotiating lower intrest rates and by paying your bills and then you are paying them instead of the credit card companies.  I could be wrong though I have never used one of those places before.  Good Luck with everything and keep your chin up.  It will get better. 

[Laurie]

I thought those companies worked by negotiating lower intrest rates and by paying your bills and then you are paying them instead of the credit card companies.

I've never used one of those companies, but from what I've heard they do negotiate a lower interest rate, but the way they do it is to not pay the bill for a while and then when the company starts hounding you then they will negotiate. If that makes sense 
I would still call the debt consolidation place and find out what they have been doing with the money you have given them.

I hope things get better for you 

[paddbear0000]

I just read this thread for the first time and I am so sorry about what you are going through. I can feel for you as I lost almost everything before I decided to declare bankruptcy! When I was researching whether or not to declare bankruptcy, I heard a lot about those credit consolidators and didn't like what I heard. A lot of consumers were ending up in the same situation you are in, with the credit card companies suing them for non-payment. It turns out that a lot of those places are a scam and the company just completely skip out on paying down your debt.

Here is a great message board site by other people in your situation. They cover everything form credit card debt to bankruptcy to foreclosure. I learned a TON from this site that no bank, loan company, credit card company, etc. would ever tell you. Use what you learn to your advantage--it works! Check it out!!!

http://creditboards.com/forums

[Zach]

Susie you need to see a lawyer and do a Chapter128.

That law may only be in Wisconsin.

[goofynina]

Thank you all for your replies and concerns, I LOVE YOU GUYS 

Paddbear0000, thank you for that link, that site is awesome, i was stuck there for hours yesterday, glad to see i am not alone on that ship either 

[Rose From OZ]

Goofynina, I'm sorry to hear about your situation. I hope things improve for you.       Rose

[goofynina]

Just saying a "Thank You" again for all your well wishes and great advice, at this very moment, i am having good expectations (for this month) which is better than i've seen in a long long LONG time    Love you all 

[paris]

Always sending good thoughts your way. You certainly deserve for things to be a little easier.

[Sluff]

If anyone deserves a break you sure do. Glad you can breathe a little relief.