Looks like I beat my foreclosure.

[alkemyst]

There isn't a single financial advisor that would advocate putting them on a CC for the reasons I mentioned, not a single one. At least not one worth his/her salt.

Think of that CC as technically a line of credit. The CC was how I utilized it.

Just like my Discover LOC used checks.

It was a fixed rate product.

 

[alkemyst]

hm did not know that.
So just dump everything into retirement, BK, and golden?

Not exactly, there are a few tests and look backs.

You basically can't give anyone money, utilize a ton of money, etc 3 months prior as a rule, the trustee can look farther back as well.

That money can't be for services either.

It's complicated.

A BK has a serious impact and should not be taken lightly.

Also there is a means test one must pass.

 

[alkemyst]

so they finally get around to being fair and you say "ok"

better if could say "no, you tried to screw me over, now I'm going to try to screw you back". Important because otherwise it shows them "we can do what we want and if something goes south we just back up and we'll get what was fair" IE "we don't have to worry about restitution"

There is no option for restitution. I have explained that.

 

[alkemyst]

Sorry, I was on my phone and didn't see the second part of your post for some reason.

So you had multiple lenders not applying the payment correctly? How in the world does that happen??

I have no idea, the best thing my attorney came up with is somehow they may have created a second account that was not linked to my record or that my payments were being applied to someone else's loan.

There really is no way to find out. They finally did the court ordered discovery and "found" all my payments though and agreed they were paid as agreed and on time.

None of it really makes any sense, but apparently I am not the only one this has happened to.

 

[brianmanahan]

this thread:

 

[RossMAN]

this thread:

Alky is the chosen one?

Now it all makes sense, not really.

 

[alkemyst]

Alky is the chosen one?

Now it all makes sense, not really.

No, that's your job.

Don't you have some coupons to cut out for your Preparation-H?

 

[alkemyst]

Some stuff I found going through some boxes today:

I also have a letter to the Financial Aid counsellor that the $2750 I was rewarded for the semester at FAU was about $4000 short just on necessities. The final loan they came up with was at 7.64% variable and another loan (which started repayment immediately) at 6.79% fixed both higher than the available credit line I had at 5 and 6%.

 

[brianmanahan]

 

[RossMAN]

WTF

biting my tongue

 

[MongGrel]

Almost glorious isn't it.

 

[alkemyst]

WTF

biting my tongue

Sorry RossMAN, and it was my mortgage company's fault after all.

I like this little historic thread that 'the hive' relished in http://forums.anandtech.com/showthread.php?p=33735054

 

[RossMAN]

Sorry RossMAN, and it was my mortgage company's fault after all.

I was WTF @ you and your fictitious bull-shit-hey-look-at-me-alter-reality.

 

[alkemyst]

I was WTF @ you and your fictitious bull-shit-hey-look-at-me-alter-reality.

Please enlighten me what is fictitious?

Makes you mad doesn't it.

 

[RossMAN]

Please enlighten me what is fictitious?

I'm not going down that rabbit hole. If you really did beat your foreclosure then kudos to you.

Makes you mad doesn't it.

Oh yes and quite jealous as well, is it that obvious?

 

[alkemyst]

I'm not going down that rabbit hole. If you really did beat your foreclosure then kudos to you.



Oh yes and quite jealous as well, is it that obvious?

You are calling me a liar, like others. When have I not backed up anything I could.

Just like I explained in the beginning, I could and was willing to pay my mortgage. My mortgage company decided not to apply my payments correctly.

At the time I was making about half of what I make now and when my minimum interest payments went from <$300 a month to $1500, it was a bit of a major situation.

I did the right thing I guess ethically and liquidated everything, but it was a bad choice financially.

Trust me, I don't need to make shit up.

 

[RossMAN]

I did the right thing I guess ethically and liquidated everything, but it was a bad choice financially.

Trust me, I don't need to make shit up.

Whoa did you just admit to making a bad financial decision?

/mind blown

P.S. I have no personal beef with you. Dayum you have issues and are wildly entertaining.

 

[alkemyst]

Whoa did you just admit to making a bad financial decision?

/mind blown

P.S. I have no personal beef with you. Dayum you have issues and are wildly entertaining.

I have no problem admitting my mistakes. I have many times here.

I know now I should have handled the situation differently and not kept waiting for promises that my payments would be applied 'soon', that I shouldn't have given the $30k check to creditors that I was paying more than properly that raised my rates insanely over a 'clerical' error, and that I should never have cashed out a 401K account even if it was only about $15k at the time.

I was trying to do what I thought was the right thing.

Not sure what my issues are though other than not playing a character here and making up who I am.