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mavric
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Last Activity: 05-10-2017, 03:50 AM
Joined: 06-12-2012
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  • mavric
    replied to Buy 2 cars after DC
    Have not been asked one time about the BK on anything, my hold credit rebuild has been a piece of cake!!!

    Never thought it would be this easy....
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  • What you have to watch out for are Lender overlay's.
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  • Hope this help's someone. HARP ......... If you have a Fannie Mae loan

    Removal of bankruptcy and foreclosure policy: Fannie Mae is removing the requirement that the borrower (on the new loan) meet the standard waiting period and re-establishment of credit criteria in the Selling Guide following...
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    Last edited by mavric; 05-09-2017, 03:56 PM. Reason: add

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  • mavric
    started a topic Not reporting

    Not reporting

    1 We did a HARP refi with 8 months[may 2016] to go in ch13 . Mortgage is with Quicken loans.
    All payments made on time,never late.

    Mortgage reports to all 3 CB's , But Quicken never updated payment history on Equifax ,Have TU/EX payment history, Reports to all 3 on DW...
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  • Update......... Received letter from bank that held my 2nd, and we had a lien strip in ch 13 . Cancellation of security deed !!
    Didn't know this but, they had 60 day's to release after being paid. Discharged 2/28/17 so we got it on day 60.
    This was the last piece of my ch...
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  • mavric
    started a topic So Far ,So Good

    So Far ,So Good

    . DW and I were discharged from CH 13 2/28/17 and started rebuilding ,I think we had very good luck.





    Here's were we stand. 1 We got 2 new car with great rates %3.49 on both , one in my name,one in hers.

    ...
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  • mavric
    started a topic Buy 2 cars after DC

    Buy 2 cars after DC

    1 After 5 years both of our car's needed replacing. The 98 blazer was a cash car that lasted 5 yr's with 240,000 miles, 2010 Nissan Altima with 160.000 miles. and a CVT trans that I just knew was about to go out.
    We set a budget of $800 for 2 car's.

    2days after discharge Capital One...
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    Last edited by mavric; 03-28-2017, 07:38 PM.

  • mavric
    replied to Finally DISCHARGED!!!!!
    A very big CONGRATULATIONS

    6 years Too ,I though 5 yr's was bad....
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  • LOLLY78..... Please keep us updated on how it go's.

    We have a lien strip and have been discharged since 2/28/17 , Haven't heard a thing . I was going to give it some time before getting out my big stick.

    Anybody know how much time to give the 2nd ? Order said upon...
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  • 5yrplan.... If I remember right ,as long as you don't go over 20% more of what you are paying now[after running the numbers] .
    They look at credit a lot less. My scores were in the low 600
    I would just call quicken and ask what it would take or [WHAT IF] I know it can be done while in a...
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  • DW and I did a HARP in ch13. Have to have 12 months on time payments. if you have a 2nd it is a little more painful, But came be done. [we did].
    I think Harp is on the way out this year,
    we went from 6.375 to 3.375 22 years left on 30 to 15 year dropped $100 Didn't...
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  • mavric
    replied to Happy days ahead
    I am..... CPO 2016 Dodge Journey with only 4500 miles ,$18800 Loaded
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  • mavric
    started a topic Happy days ahead

    Happy days ahead

    After 5 long years we are done!!! Discharged 2/28/2016

    BTW just got approved at capital one auto for $40k at 2.49% , my 98 blazer that I bought for $2500[cash car] made it all the way to the end. 241000 miles
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  • mavric
    replied to Bankruptcy Friendly Auto and Home Insurers
    Same thing happen to us. Had Geico for 10 years ,never anything. Had farm bureau for home ,both went up.
    I spent a day calling everybody , Best I found was Safeco for car and Farmer's for home.
    Cut my car ins in half and saved about 20% on home. Good Luck...
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  • mavric
    replied to Now this
    So if I read this wright, I may or may not get to keep the $5000, and have to wait for all this to play out to get my Discharge?...
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  • mavric
    replied to Now this
    That is the main part .rest is mailing list ....
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  • mavric
    replied to Now this
    MOTION TO ALLOW COMPROMISE OF CLAIM AND APPLICATION FOR COMPENSATION OF SPECIAL COUNSEL


    [moderator removed much of text]

    By Order of this Court dated October 4, 2016, (“Special Counsel”) was approved to act as Special Counsel to the Debtor for the purpose of pursuing...
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    Last edited by justbroke; 01-23-2017, 06:05 PM. Reason: moderator removed some text

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  • mavric
    replied to Now this
    Hi JB........ Yes everything was done . All payments made [all 60 ] Trustee's report ,DOS , motion for discharge by trustee . All entered on PACER.
    Now this hearing pops up about the $5000 on PACER.
    I have not received my discharge ,
    Does this mean that now the creditors and the trustee...
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    Last edited by mavric; 01-23-2017, 10:44 AM. Reason: add

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  • mavric
    started a topic Now this

    Now this

    Back in Aug/2016 we won a lawsuit, Our part was $5000 This suit was from creditors and credit reporting who did bad. Well this $5000 is still not been paid.[to me or anybody] I have paid all 60 payments of my ch13 12/15/2016. Trustee has closed case!!!!, only thing I was waiting on was my...
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  • mavric
    replied to 3....2....1....zero
    BIG THANKS to everybody at the BKF !!!
    There is so much info here. Helped me ever time , some nights I would read till my eyes bled.
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