Comments for credits for you http://credits4you.net Mon, 30 May 2011 06:20:53 +0000 hourly 1 http://wordpress.org/?v=3.1.1 Comment on The Insider’s Guide to Winning the Mortgage Game-Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance Mortgage by Perfection http://credits4you.net/the-insiders-guide-to-winning-the-mortgage-game-mortgage-ripoffs-and-money-savers-an-industry-insider-explains-how-to-save-thousands-on-your-mortgage-or-re-finance-mortgage.html#comment-262 Perfection Mon, 30 May 2011 06:20:53 +0000 http://credits4you.net/the-insiders-guide-to-winning-the-mortgage-game-mortgage-ripoffs-and-money-savers-an-industry-insider-explains-how-to-save-thousands-on-your-mortgage-or-re-finance-mortgage.html#comment-262 Sounds to me like their taking what you owe for the late payments to collections unless you pay it. I would call first thing and get it straightened out..they normally work well with you. Good luck. Sounds to me like their taking what you owe for the late payments to collections unless you pay it. I would call first thing and get it straightened out..they normally work well with you.

Good luck.

]]> Comment on The Insider’s Guide to Winning the Mortgage Game-Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance Mortgage by Amdrmgirl http://credits4you.net/the-insiders-guide-to-winning-the-mortgage-game-mortgage-ripoffs-and-money-savers-an-industry-insider-explains-how-to-save-thousands-on-your-mortgage-or-re-finance-mortgage.html#comment-261 Amdrmgirl Mon, 30 May 2011 05:52:53 +0000 http://credits4you.net/the-insiders-guide-to-winning-the-mortgage-game-mortgage-ripoffs-and-money-savers-an-industry-insider-explains-how-to-save-thousands-on-your-mortgage-or-re-finance-mortgage.html#comment-261 No, they will not take your house.They will however, turn you over to collections which will affect your future borrowing power. Pay it (even if not all in one lump sum) and don't be late again. No, they will not take your house.They will however, turn you over to collections which will affect your future borrowing power. Pay it (even if not all in one lump sum) and don’t be late again.

]]> Comment on The Insider’s Guide to Winning the Mortgage Game-Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance Mortgage by Capricorn Girl http://credits4you.net/the-insiders-guide-to-winning-the-mortgage-game-mortgage-ripoffs-and-money-savers-an-industry-insider-explains-how-to-save-thousands-on-your-mortgage-or-re-finance-mortgage.html#comment-260 Capricorn Girl Mon, 30 May 2011 05:03:51 +0000 http://credits4you.net/the-insiders-guide-to-winning-the-mortgage-game-mortgage-ripoffs-and-money-savers-an-industry-insider-explains-how-to-save-thousands-on-your-mortgage-or-re-finance-mortgage.html#comment-260 It depends on where you are located within the states, but if you have acquired a "homestead" then that protects your home from creditors who might try to place a lien on your home. As for the charges, it depends on how late they are. There is normally a 10 to 15 day grace period in which you can pay your mortgage without being late, now even though you are within the month it is due, if after that 10 to 15 day grace period, they do a percentage charge. This also depends on the type of loan you have. Try to communicate with them and ask if you can do increments of pay, along with the following months mortgage note being due. $ 199 is not a lot, so before they pay a collection agency, they will more than likely be willing to work out a payment plan with you. Remind them how you always pay your mortgage on time, and that you weren't sure that you really owed those late fees. Research your mortgage statements, as well as your bank statements and see if there is a discrepancy somewhere regarding a payment to your mortgage company. Also, if you don't have a "homestead" do go down to you local county building and find out the process and fees to getting your homestead immediately. Good Luck and be Safe...(smiles) It depends on where you are located within the states, but if you have acquired a “homestead” then that protects your home from creditors who might try to place a lien on your home. As for the charges, it depends on how late they are. There is normally a 10 to 15 day grace period in which you can pay your mortgage without being late, now even though you are within the month it is due, if after that 10 to 15 day grace period, they do a percentage charge. This also depends on the type of loan you have. Try to communicate with them and ask if you can do increments of pay, along with the following months mortgage note being due. $ 199 is not a lot, so before they pay a collection agency, they will more than likely be willing to work out a payment plan with you. Remind them how you always pay your mortgage on time, and that you weren’t sure that you really owed those late fees. Research your mortgage statements, as well as your bank statements and see if there is a discrepancy somewhere regarding a payment to your mortgage company. Also, if you don’t have a “homestead” do go down to you local county building and find out the process and fees to getting your homestead immediately. Good Luck and be Safe…(smiles)

]]> Comment on The Insider’s Guide to Winning the Mortgage Game-Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance Mortgage by tonalc1 http://credits4you.net/the-insiders-guide-to-winning-the-mortgage-game-mortgage-ripoffs-and-money-savers-an-industry-insider-explains-how-to-save-thousands-on-your-mortgage-or-re-finance-mortgage.html#comment-259 tonalc1 Mon, 30 May 2011 04:44:54 +0000 http://credits4you.net/the-insiders-guide-to-winning-the-mortgage-game-mortgage-ripoffs-and-money-savers-an-industry-insider-explains-how-to-save-thousands-on-your-mortgage-or-re-finance-mortgage.html#comment-259 You owe the money, whether or not they neglected to charge you for it. Just pay it. And try to make those payments on time; they're negatively affecting your credit rating. You owe the money, whether or not they neglected to charge you for it. Just pay it. And try to make those payments on time; they’re negatively affecting your credit rating.

]]> Comment on Professional Judgment Recovery & Small Claims Processing Course-Life or Debt: A One-Week Plan for a Lifetime of Financial Freedom Debt by Kevin http://credits4you.net/professional-judgment-recovery-small-claims-processing-course-life-or-debt-a-one-week-plan-for-a-lifetime-of-financial-freedom-debt.html#comment-258 Kevin Sat, 07 May 2011 07:47:26 +0000 http://credits4you.net/professional-judgment-recovery-small-claims-processing-course-life-or-debt-a-one-week-plan-for-a-lifetime-of-financial-freedom-debt.html#comment-258 Debt collectors will usually be provided with your name, social security number, date of birth, last known address, last known employer, current balance owed, and the reason for the underlying debt. If they need further information (such as an account ledger), they will contact their client. There is no such thing as a criminal charge for non-payment of a debt. If, however, you fail to comply with a court order (such as an Order For Examination), you may have a bench warrant issued. Then you can be arrested. If the client wishes, they can give the collection agency permission to sue on their behalf. Debt collectors will usually be provided with your name, social security number, date of birth, last known address, last known employer, current balance owed, and the reason for the underlying debt. If they need further information (such as an account ledger), they will contact their client.

There is no such thing as a criminal charge for non-payment of a debt. If, however, you fail to comply with a court order (such as an Order For Examination), you may have a bench warrant issued. Then you can be arrested. If the client wishes, they can give the collection agency permission to sue on their behalf.

]]> Comment on Professional Judgment Recovery & Small Claims Processing Course-Life or Debt: A One-Week Plan for a Lifetime of Financial Freedom Debt by Dixie Darlin' http://credits4you.net/professional-judgment-recovery-small-claims-processing-course-life-or-debt-a-one-week-plan-for-a-lifetime-of-financial-freedom-debt.html#comment-257 Dixie Darlin' Sat, 07 May 2011 07:15:50 +0000 http://credits4you.net/professional-judgment-recovery-small-claims-processing-course-life-or-debt-a-one-week-plan-for-a-lifetime-of-financial-freedom-debt.html#comment-257 They will receive all your personal information and a total amount of the debt. They can only take civil action against you. If you committed fraud then criminal charges can be pressed against you. They will receive all your personal information and a total amount of the debt.

They can only take civil action against you. If you committed fraud then criminal charges can be pressed against you.

]]> Comment on Professional Judgment Recovery & Small Claims Processing Course-Life or Debt: A One-Week Plan for a Lifetime of Financial Freedom Debt by alexgoo.com http://credits4you.net/professional-judgment-recovery-small-claims-processing-course-life-or-debt-a-one-week-plan-for-a-lifetime-of-financial-freedom-debt.html#comment-256 alexgoo.com Sat, 07 May 2011 07:01:19 +0000 http://credits4you.net/professional-judgment-recovery-small-claims-processing-course-life-or-debt-a-one-week-plan-for-a-lifetime-of-financial-freedom-debt.html#comment-256 if they have the information,that can harass you in any time! until you pay for them http://www.alexgoo.com if they have the information,that can harass you in any time! until you pay for them http://www.alexgoo.com

]]> Comment on Learn How To Smash Your Mortgage-Debt is Slavery: and 9 Other Things I Wish My Dad Had Taught Me About Money Debt by CHRIS V http://credits4you.net/learn-how-to-smash-your-mortgage-debt-is-slavery-and-9-other-things-i-wish-my-dad-had-taught-me-about-money-debt.html#comment-255 CHRIS V Fri, 06 May 2011 07:03:29 +0000 http://credits4you.net/learn-how-to-smash-your-mortgage-debt-is-slavery-and-9-other-things-i-wish-my-dad-had-taught-me-about-money-debt.html#comment-255 If you are in a bind try contacting your creditors, many of them have hardship programs they can set you up on. Another option is CCCS, they will contact each of your creditors and submit a proposal which generally lowers your monthly payment and interest rate. I would not go to a Debt Settlement Company or Attorney. I work for a large global bank and we are done dealing with them. We've sent them letters advising them to stop taking on our Customers, and they continue to do so. They brainwash the Customer into thinking they will take care of everything. They tell these people not to answer their phone or open their bills. I know of three global banks that will not deal with them...Citi, GE Money, and Bank of America. Our company has taken a new stance...If we receive documentation from a debt settlement company along with a cease and desist we refer it to our attorney network to file the paperwork in your local court to try to obtain a judgement. So....I wouldn't suggest one of those companies. CCCS or contacting your creditors directly is your best bet. If you are in a bind try contacting your creditors, many of them have hardship programs they can set you up on. Another option is CCCS, they will contact each of your creditors and submit a proposal which generally lowers your monthly payment and interest rate. I would not go to a Debt Settlement Company or Attorney. I work for a large global bank and we are done dealing with them. We’ve sent them letters advising them to stop taking on our Customers, and they continue to do so. They brainwash the Customer into thinking they will take care of everything. They tell these people not to answer their phone or open their bills. I know of three global banks that will not deal with them…Citi, GE Money, and Bank of America. Our company has taken a new stance…If we receive documentation from a debt settlement company along with a cease and desist we refer it to our attorney network to file the paperwork in your local court to try to obtain a judgement. So….I wouldn’t suggest one of those companies. CCCS or contacting your creditors directly is your best bet.

]]> Comment on Learn How To Smash Your Mortgage-Debt is Slavery: and 9 Other Things I Wish My Dad Had Taught Me About Money Debt by spifiman1 http://credits4you.net/learn-how-to-smash-your-mortgage-debt-is-slavery-and-9-other-things-i-wish-my-dad-had-taught-me-about-money-debt.html#comment-254 spifiman1 Fri, 06 May 2011 06:31:49 +0000 http://credits4you.net/learn-how-to-smash-your-mortgage-debt-is-slavery-and-9-other-things-i-wish-my-dad-had-taught-me-about-money-debt.html#comment-254 If you are going to go this route use Consumer Credit Counseling Services they are the oldest in the Country and are non profit as in free. I used them several years ago and they lowered my monthly payments as well as the interest rates. I was debt free in 36-months. You can contact them at 1-800-388-2227. All of your accounts will show as "Included in credit counseling" and you will have to give up all of your credit cards. It will be almost impossible for you to get any kind of loan while you are in this program, but if things are that bad you have no reason to try and borrow more money anyway. If you are going to go this route use Consumer Credit Counseling Services they are the oldest in the Country and are non profit as in free.

I used them several years ago and they lowered my monthly payments as well as the interest rates. I was debt free in 36-months.

You can contact them at 1-800-388-2227.

All of your accounts will show as “Included in credit counseling” and you will have to give up all of your credit cards. It will be almost impossible for you to get any kind of loan while you are in this program, but if things are that bad you have no reason to try and borrow more money anyway.

]]> Comment on Think Rich, Act Rich, Rich, Dave Ramsey’s Financial Peace be: Dumping Debt Debt by marci452 http://credits4you.net/think-rich-act-rich-rich-dave-ramseys-financial-peace-be-dumping-debt-debt.html#comment-253 marci452 Thu, 05 May 2011 06:41:02 +0000 http://credits4you.net/think-rich-act-rich-rich-dave-ramseys-financial-peace-be-dumping-debt-debt.html#comment-253 They think they have found the debtor because you have the same or similar names. Send a certified letter to them pointing out they have the wrong SS#. You DO NOT need to provide your SS#, only state that they have the wrong person, it is not your SS#, and that you know nothing of the debt. Send a copy to your state Attorney General's office. They think they have found the debtor because you have the same or similar names. Send a certified letter to them pointing out they have the wrong SS#. You DO NOT need to provide your SS#, only state that they have the wrong person, it is not your SS#, and that you know nothing of the debt.

Send a copy to your state Attorney General’s office.

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