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  • ladycee
    replied
    LOL..............yep, lots of free oil to be had

    Leave a comment:


  • tcreegan
    replied
    Hi ladycee,

    Pull reports from the big three; TransUnion, Experian, Equifax, and start cleaning house. I would wait a couple weeks past closing.

    Remember credit bureaus can be very bureaucratic, I liked writing them b/c they sent a new copy of the credit report when they replied.

    Tom in Colo

    ps: if you move to the gulf you could drive to the beach and get your oil changed...

    Leave a comment:


  • ladycee
    replied
    So anyway.....

    Back to the business at hand...The Reaffirmation from the mtg company does not look so good to me.....from what I see they are adding on $343 fee to the principal and that is before the Oct + Nov payments have been calculated in.

    I guess I will choose to ride through on the mtg, this way should I decide to pick up and move, it will be a dischargeable debt.

    I just hope the Toyota Reaffirmation is better.

    I've already been working out a budget of how much storage will cost me etc. I would actually love to move to Florida just spooked by the Gulf Oil Spill.

    And on another post they were advising an OP to just get a camper and a cheap lot either in TX or FL. Getting really tired of the nasty winters up here.

    Chris

    Leave a comment:


  • tobee43
    replied
    Originally posted by LaurieM View Post
    I'm exercising restraint and biting my tongue here on the "ur atty, if you have anyone that is worth what you paid..." part of this post.
    LOL!! you got me!!!! she most likely went with the cheapest!!!

    Leave a comment:


  • LaurieM
    replied
    Originally posted by tobee43 View Post
    and if you don't like the answers you cannot continue to ask the same questions.

    your atty, if you have anyone that is worth what you paid...should be able to make one phone call and resolve this. and if not, call the clerks office yourself and made the corrections...once again you'd been told these numbers can be changed....and AMENDED by the TRUSTEE..........NOT YOU. clear enough?

    I'm exercising restraint and biting my tongue here on the "ur atty, if you have anyone that is worth what you paid..." part of this post.

    Leave a comment:


  • ladycee
    replied
    Tobee...please don't concern yourself with me anymore..I would appreciate that..thanks

    Leave a comment:


  • tobee43
    replied
    and if you don't like the answers you cannot continue to ask the same questions.

    your atty, if you have anyone that is worth what you paid...should be able to make one phone call and resolve this. and if not, call the clerks office yourself and made the corrections...once again you'd been told these numbers can be changed....and AMENDED by the TRUSTEE..........NOT YOU. clear enough?

    Leave a comment:


  • tobee43
    replied
    Originally posted by ladycee View Post
    Tobee pleeeeeeze,

    there's NOTHING wrong with the PETITION!!!!!!!.......It's the Trustee's REPORT that's wrong!!!!.....Harsh enuff for ya???
    you were rude to me once before....you need to get a grip or you're going find yourself having a breakdown.

    and i suggest if you want help on this board...and i only mention it because someone already has mentioned your rudeness and i had let it go, you best stop your attitude since it prevents people from wanting to respond to you.



    tom she's been told the same over and over and just can't get it....these numbers don't mean anything...and can be cleared in a instant, which has been already explained.

    it's really no wonder you atty is having such a difficult time. really...you need to really get it together...for yourself.
    Last edited by tobee43; 10-08-2010, 11:14 AM.

    Leave a comment:


  • ladycee
    replied
    Hey All!

    Here's the response from my atty:

    Dear Chris,

    The numbers need not be understood, but are derived from your schedules. Exemptions less than assets if there are secured loans. Your case is going to get a discharge. Attached please find the first of two reaffirmation agreements you will get. This and the other will also be sent to you via first class mail, likely Monday. We will need an appointment to go over them.

    In other words: Mine is not to question why. It will be discharged that's all you need to know......

    I will save his answer in case it rears its head in the future....

    Thanks all,

    Chris

    Leave a comment:


  • ladycee
    replied
    Thank you Tom,

    Thank God somebody understands what I'm saying LOL....and also thanks for pointing out that Credit Reporting Co's don't get the numbers. That's a relief!

    My atty and his Trustee are "joined at the hip". The atty sometimes acts as a stand-in Trustee for him. This explains my suspicion that he actually filed the Trustee's Report. Since he made so many errors on my Petition, wouldn't surprise me, and maybe that's why he's not answering me yet.

    Maybe I'll just be satisfied that my email to my atty documents that I informed them the Assets were wrong, just in case it comes back to haunt me.

    So Tom, when do you think it's a good idea to get that one free credit report we're allowed annually? Should I wait till Discharge/Closed?

    thanks for chiming in, much obliged,

    Chris

    Leave a comment:


  • tcreegan
    replied
    Hi Ladycee,

    I can take one thing off your plate: ...don't these numbers get reported to Credit Reporting Agencies? No

    Good luck with the mystery numbers on your trustees report.....reminds me of a bank I once dealt with; they could never get the numbers right and couldn't explain how they got the numbers in the first place.

    Tom in Colo

    Leave a comment:


  • ladycee
    replied
    eg: The Trustee's Report states figures THAT DO NOT MATCH THE PETITION!

    Please let it go!

    Leave a comment:


  • ladycee
    replied
    Tobee pleeeeeeze,

    there's NOTHING wrong with the PETITION!!!!!!!.......It's the Trustee's REPORT that's wrong!!!!.....Harsh enuff for ya???

    Leave a comment:


  • tobee43
    replied
    Originally posted by ladycee View Post
    Tobee,

    If I had enough money to pay for a 2nd atty, I would not be filing bk. My atty's office gives out a flyer of "no walk in policy"....meaning, if you don't have an appt ....you are out of luck. Course you don't get this flyer until AFTER you have paid.

    I still need them to sign Reaffirmation for my Toyota also.

    Well, if you got it the first time Tobee, then WHY are you telling me to file an Amendment? Yes, you actually do seem intelligent to me, but this is not the first time you "missed" what I have posted.

    Not that I don't appreciate your trying to help. Just hard to keep repeating what I have already said.

    Thanks,

    Chris
    perhaps it's your harshness that's not allowing you to be as clear as you are attempting. read back on this thread and i think you'll understand what i'm getting at.

    if the petition is STILL incorrect it needs an additional amendment. you can file 20 if you have to.

    you are expressing over and over again that's is still wrong. you must do so to your atty. and personally, i would not leave their office until the situation is corrected.

    again you say you don't know where the 69k comes from....i just don't get that??? you should know, and if you don't, you have to corner them to explain it and if they do explain it and it's not what you want then you need ANOTHER amendment.

    these atty's can and will have you going around and around until you, yourself put a stop to it.

    Leave a comment:


  • ladycee
    replied
    Tobee,

    If I had enough money to pay for a 2nd atty, I would not be filing bk. My atty's office gives out a flyer of "no walk in policy"....meaning, if you don't have an appt ....you are out of luck. Course you don't get this flyer until AFTER you have paid.

    I still need them to sign Reaffirmation for my Toyota also.

    Well, if you got it the first time Tobee, then WHY are you telling me to file an Amendment? Yes, you actually do seem intelligent to me, but this is not the first time you "missed" what I have posted.

    Not that I don't appreciate your trying to help. Just hard to keep repeating what I have already said.

    Thanks,

    Chris

    Leave a comment:

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