speechchick71
Familiar Member
Get it? Chick?
Joined: Dec 21, 2010 21:51:38 GMT -5
Posts: 521
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Post by speechchick71 on Oct 15, 2013 20:40:37 GMT -5
I'm not sure if anyone announced it but our Southern Dixies have been doing a great job eliminating debt. Between September and October we've had 3 winners: DeepinTx, Ffflex, and our newest, Goalofzero.
Come on over to our board and share in the celebration!
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,652
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Post by nidena on Oct 16, 2013 9:16:18 GMT -5
Hello, my name is nidena and I'm a credit using aholic. I fell off the wagon while I was deployed cause I couldn't pay cash for anything that I needed to purchase online. Since then, I have continued to use my credit card and very little of it has been for necessities. Shortly after I returned, one of my nieces moved in with me and then, two months after she got here, a second niece moved in. My grocery bill went from $150-$200/mo to just under $800/mo. We buy only fresh/frozen fruits and veggies; and lots of eggs, non-dairy milks (almond, soy, rice, coconut), cheeses, nuts, etc. I used my CC to pay for all of this as well as gas; sneakers for both girls cause they had none; a second bed frame; interview outfits for the girls cause they have only jeans and tees; and various other things. The floodgates have finally slowed to a trickle and we've reached the season of casseroles and other tasty hot meals that can be made to last for days on end. It's time for me to get back to cash and taking the CC out of my wallet. It's going to be a struggle but I'm tired of being in that spot of pay down the debt and see it rise back to the same level that it was before I made a payment. Ironically, I was debt free (except my house debt) last summer, right before I started prepping for deployment. I intend to be there again, before May 2014. My current CC balance is $8512.44. It's not my total racing debt but, ever since we changed to these new forums, I haven't been able to make a table and haven't been able to post my list--only my tagline.  I'm also planning on reaching the $50k paid off by the end of 2013. |
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wudnit
Established Member
Joined: Jan 2, 2011 18:38:59 GMT -5
Posts: 345
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Post by wudnit on Oct 21, 2013 7:49:46 GMT -5
Nidina: Way to come up with a plan. We all have our bad times, it is how we deal with them that sets us apart. Trust me, we have two places to maintain including buy groceries at both (home and camp) and our bills sky rocket during spring and summer. I'm hoping to slow the money drain now that we will be closing up camp for the season (just in the time for the holidays!!). My next goal is to have our apartment mortgage paid off by 5/14. Maybe we can keep each other on track!!!
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Delphinus317
New Member
Joined: Jan 19, 2011 9:10:09 GMT -5
Posts: 35
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Post by Delphinus317 on Oct 21, 2013 9:05:35 GMT -5
UPDATE: Delphinus317 10/21/13 $123,521.95 (2/9/12 $132,416.25)
| Creditor | Starting Balance | 10/21/13 | Total Paid | Current Balance | | Mortgage | 120,883.09 | 187.91 | 3,599.66 | 117,283.43 | | Auto Loan | 11,533.16 | 255.09 | 5,294.64 | 6,238.52 | | Total | 132,416.25 | 443.00 | 8,894.30 | 123,521.95 |
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,652
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Post by nidena on Oct 21, 2013 10:32:51 GMT -5
Nidina: Way to come up with a plan. We all have our bad times, it is how we deal with them that sets us apart. Trust me, we have two places to maintain including buy groceries at both (home and camp) and our bills sky rocket during spring and summer. I'm hoping to slow the money drain now that we will be closing up camp for the season (just in the time for the holidays!!). My next goal is to have our apartment mortgage paid off by 5/14. Maybe we can keep each other on track!!! I'm totally game for helping each other. I made my ATM withdrawals and blew the dust off my Financial Peace University envelope book. The CC has been removed from my wallet is in my desk drawer.  |
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wudnit
Established Member
Joined: Jan 2, 2011 18:38:59 GMT -5
Posts: 345
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Post by wudnit on Oct 21, 2013 14:49:25 GMT -5
Nidena: Good for you!! I need to buckle down and look at things, I know our spending has been totally out of control lately, although I have continued with our debt payments. I am bound and determined to pay off our apartment mortgage by 5/14. Anything extra I can throw at it would certainly help, but the way I've been spending, there hasn't been any extra. Time to buckle down.
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bankergurl
Well-Known Member
Joined: Dec 30, 2010 17:05:10 GMT -5
Posts: 1,435
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Post by bankergurl on Oct 21, 2013 20:36:53 GMT -5
$50K-$100 Club updated as of 10/21/13! $7,828.28 paid off in the last 2 weeks! 2 Leapfrogs, Chelsea727 and Crazylady both from the Midwest! Congrats to chaching from the International thread for getting under $70K! Congrats to trojen3 from the South for getting under $65K and for paying off over $35K Congrats to Crazylady from the Midwest for paying off over $50K! www.notmsnmoney.proboards.com/thread/11190/wirr-50-100k-club?page=4#scrollTo=1753142 |
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dschmidt1007
New Member
Joined: Aug 6, 2012 13:51:33 GMT -5
Posts: 30
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Post by dschmidt1007 on Oct 22, 2013 9:35:18 GMT -5
UPDATE: dschmidt1007, 10/33/13, $95,040.30 (8/7/12, $110,668.68, NE90)
| DEBT | STARTING DEBT | INTEREST RATE | CURRENT DEBT | MINIMUM PAYMENT | PAID OFF!!! | ANTICIPATED PAY OFF | | American Express | $2,276.73 | 15.24% | $- | $- | $2,276.73 | PAID OFF!!! | | United Teletech Loan | $6,893.40 | 6.99% | $3,670.88 | $202.24 | $3,222.52 | Jun-15 | | BoA - RCCL | $21,495.01 | 6.99% | $20,276.54 | $324.00 | $1,218.47 | Nov-16 | | D's Car | $19,706.13 | 2.99% | $12,725.60 | $500.00 | $6,980.53 | Jan-16 | | W's Car | $25,265.93 | 0.90% | $17,293.02 | $550.00 | $7,972.91 | Jun-16 | | Sallie Mae SL | $13,609.27 | 4.38% | $12,355.19 | $139.40 | $1,254.08 | Jun-17 | | Discover SL | $22,695.03 | 2.94% | $19,506.07 | $264.00 | $3,188.96 | Nov-17 | | EdFinancial SL | $1,002.11 | 2.11% | $- | $- | $1,002.11 | PAID OFF!!! | | Care Credit | $2,467.00 | 0.00% | $- | $- | $2,467.00 | PAID OFF!!! | | Citi | $9,785.00 | 0.00% | $9,213.00 | $142.00 | $572.00 | Feb-17 | | Total | $125,195.61 | - | $95,040.30 | $2,121.64 | $30,155.31 | Nov-17 |
Well, not so hot news for us - our snowballing is effectively at a stand still. I went on vacation 9/27 to 10/8 and came back to find out I didn't have a job. The really shitty part? They knew they were going to do it before I left (the company is in serious financial trouble - ridiculous amount of mismanaging funds for years) but decided to wait until 2:30pm on the day I got back. They let me go through all the email I hadn't touched while on vacation (because stupid me was checking email several times a day & forwarding the "fires" to someone and answering the simple questions that I didn't need access to our systems for - several times a day via my phone & laptop) as well as all my voicemail & do everything that needed catching up on before calling em into the office to tell me! The nice thing to have done was let me go before vacation - maybe I could have really let go then and really enjoyed myself instead of worrying what was going on in my absence. So now I've filed for unemployment and I'm waiting - I've been looking for a job since January, as the writing has been at the wall for my previous job for a long time. I've been on just 1 interview since January, and it happened to be the day before I went on vacation. I won't hear anything back until probably the end of this month either way, and if I got it, it won't start until mid-November. I'm almost okay with being home through the end of the year - the Holidays don't take care of themselves - I'm sure you know what I mean. My husband officially launched his consulting company the day I was let go and he's already pretty much replaced my income. We'll be alright - unemployment & his 9 to 5 covers all of our bills with wiggle room. We are keeping his company income in a separate checking account without paying him right now, as we are still trying to accurately pinpoint the tax ramifications will be. C'est la vie - 1 step forward & 2 steps back. That's how it constantly feels.
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meltingdebt
Initiate Member
Joined: Jan 2, 2011 14:27:17 GMT -5
Posts: 90
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Post by meltingdebt on Oct 23, 2013 10:11:47 GMT -5
Update meltingdebt: 9/10/13 $4,603.19 (1/1/10 $30,844.93) | Debt | Original Balance
| Last month's balance
| Current Balance
| Monthly change
| Overall Change
| cable
| $136.84
| $0.00
| $0.00
| $0.00
| $(136.84)
| cell phone
| $367.54
| $0.00
| $0.00
| $0.00
| $(367.54)
| Clothing Store
| $512.46
| $0.00
| $0.00
| $0.00
| $(512.46)
| CC #1
| $742.37
| $0.00
| $0.00
| $0.00
| $(742.37)
| CC #2
| $1168.00
| $0.00
| $0.00
| $0.00
| $(1168.00)
| CC #3
| $9499.62
| $945.41
| $0.00 
| $(945.41)
| $(9,499.62)
| BCC #1
| $4818.91
| $0.00
| $0.00
| $0.00
| $(4,818.91)
| BCC #2
| #13,599.19
| $4803.19
| $4,603.19
| $(200.00)
| $(8,996.00)
| Total
| $30,844.93
| $5,748.60
| $4,603.19
| $(1,145.41)
| $(26,241.74)
|
| Savings | Original Amount
| Last Month's Balance
| Current Balance
| Monthly change
| Overall change
| Savings
| $0.00
| $15.02
| $15.02
| $0.00
| $15.02
| Emergency
| $0.00
| $502.22
| $602.59
| $100.37
| $602.59
| Vacation 
| $0.00
| $181.37
| $381.45
| $200.08
| $381.45
| New Car 
| $0.00
| $1016.62
| $1,356.87
| $340.25
| $1356.87
| IRA
| $0.00
| $1719.59
| $1,719.59
| $0.00
| $1,719.59
|
Total $0.00
|
| $3434.76
| $ 4075.52
| $640.76
| $ 4075.52
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So I did it! I paid off CC #3! It makes me feel good. This is even better than losing 10 lbs. It was a little tight there, but I managed. I am planning on being very aggressive the next few weeks to pay off BCC #2 by the end of the year. If I snowball the $200 I was paying to CC#3 on top of the $200 I am already paying, I would just need to make double payments the next few three months. With all of the overtime I have been picking up, I should be able to do this without cutting it close. Looking forward to coming into the home stretch of my race. |
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meltingdebt
Initiate Member
Joined: Jan 2, 2011 14:27:17 GMT -5
Posts: 90
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Post by meltingdebt on Oct 23, 2013 10:18:10 GMT -5
Congratulations Maryland Monroe!!!!
I love reading about the people who have won their races. This is exactly the motivation I need to continue on! For all of the winners, please keep posting updates on how you are staying debt free after the race, because I am afraid I may just start spending uncontrollably again.
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,652
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Post by nidena on Oct 25, 2013 7:59:03 GMT -5
dschmidt: sorry to hear about your situation. I just read an article about starting over, career-wise, in More magazine. Maybe there is a nugget or two in it that might help you. It's in the current issue--the one with Sarah Michelle Gellar on the cover.
meltingdebt: that ZERO looks fabulous on you!!
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Maryland Monroe
Established Member
Joined: Dec 23, 2010 16:52:51 GMT -5
Posts: 460
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Post by Maryland Monroe on Oct 27, 2013 17:04:27 GMT -5
Congratulations Maryland Monroe!!!! I love reading about the people who have won their races. This is exactly the motivation I need to continue on! For all of the winners, please keep posting updates on how you are staying debt free after the race, because I am afraid I may just start spending uncontrollably again. Thank you! I am really, really motivated to stay out of debt because I want to retire debt free (completely free - no mortgage). I hope my resolve remains strong! When I have a moment of weakness, I think about how much longer I'll have to work to have whatever is tempting me, which makes it pretty easy to walk away. I have one non-racing card that's getting the current minimum monthly payment every two weeks. That should be completely gone in about three years, then all that money goes to the mortgage so I can RETIRE!!! |
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bankergurl
Well-Known Member
Joined: Dec 30, 2010 17:05:10 GMT -5
Posts: 1,435
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Post by bankergurl on Oct 27, 2013 18:44:57 GMT -5
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tribeca7
New Member
Joined: Mar 6, 2013 17:15:35 GMT -5
Posts: 29 
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Post by tribeca7 on Oct 30, 2013 10:53:28 GMT -5
UPDATE: tribeca7: 10/30/13, $40,513.17 (3/6/13, $45,406.31, NE101)
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wudnit
Established Member
Joined: Jan 2, 2011 18:38:59 GMT -5
Posts: 345
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Post by wudnit on Oct 30, 2013 11:58:51 GMT -5
UPDATE: Wudnit 10/30/13, $75,199 (1/13/10 $172915 NEU46)
One more month and I should hit $100,000 PAID!! That will feel great! I realize that I've been on this board for 4 years. That is a long time to be dealing with debt. Of course, I was dealing with it for years before I even found this board. I have a plan and that plan shows me being completely debt free by December 2015: 25 months and counting!!! Would LOVE to have it happen sooner. I'm looking forward to being able to say that I will be debt free in less than 2 years! Amazing the mind games we play to motivate ourselves.
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movinonup
Established Member
Joined: Feb 7, 2013 7:44:03 GMT -5
Posts: 318 
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Post by movinonup on Oct 31, 2013 5:35:44 GMT -5
UPDATE- movinonup: 10/31/13 $307,864.35 (02/12/13 $309,217.65 NE100) NY| Account | Interest Rate
| 02/12/2013
| 09/30/2013
| 10/31/2013
| Amount Paid Since Last Update
| Total Amount Paid
| Percentage Paid
| | LOC | 18.240%
| $3,500.00
| $0.00
| $0.00
| $0.00
| $3,500
| 100.00%
| CC#1
| 18.990%
| $20,688.08
| $7,572.79
| $10,721.91
| $(3,149.12)
| $9,966.17
| 48.17%
| CC#2
| 0.000%
| $(8.16)
| $9,853.66
| $9,553.66
| $300.00
| $(9,561.82)
| (117,179.17)%
| CC#3
| 0.000%
| $10,300.00
| $9,264.52
| $9,114.52
| $150.00
| $1,185.48
| 11.51%
| CC#4
| 0.000%
| $9,135.05
| $8,225.78
| $8,001.81
| $223.97
| $1,133.24
| 12.41%
| CC#5
| 10.990%
| $4,910.22
| $4,181.54
| $11,545.18
| $(7,363.64)
| $(6,634.96)
| (135.13)%
| CC#6
| 0.000%
| $1,239.00
| $279.00
| $139.00
| $140.00
| $1,100.00
| 88.78%
| | SL#1 | 3.500%
| $23,021.50
| $21,755.82
| $21,617.22
| $138.60
| $1,404.28
| 6.10%
| | SL#2 | 6.800%
| $4,748.54
| $4,008.46
| $3,928.04
| $80.42
| $820.50
| 17.28%
| | SL#3 | 6.550%
| $2,533.57
| $2,238.34
| $2,200.38
| $37.96
| $333.19
| 13.15%
| MTG
| 3.875%
| $220,170.76
| $226,865.29
| $226,529.49
| $335.80
| $(6,358.73)
| (2.89)%
| Auto
| 4.240%
| $8,979.09
| $5,047.85
| $4,513.14
| $534.71
| $4,465.95
| 49.74%
| | Total |
| $309,217.65
| $299,293.05
| $307,864.35
| $(8,571.30)
| $1,353.30
| 0.44%
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A couple of balance transfers and a trip to Southeast Asia for three took place in the last month. The good news is that I am still below my original balance from February, and I had an awesome trip. The bad news it that I now have to pay for it. The balance transfers cost me 3%, but my interest bearing balance is down from my last update. I have another 0% expiring in January and another in April, so I am working to figure out how to handle that situation. Almost all of CC#1 is at 0% until 1/2015, and the increase on CC#5 is at 0% until 3/2015. CC#6 will be done next month. My strategy is to pay the minimum on the cards that are not costing me any interest and get rid of the interest-bearing balance on CC#1 and CC#4. I also put small Roth IRA contributions and EF deposits on auto-pilot. Happy Halloween! -movinonup
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,652
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Post by nidena on Oct 31, 2013 14:06:37 GMT -5
Got an offer from my bank today that they will match 50% of any additional payments made to my HEL, up to $6000, between 1 Oct 13 and 31 Oct 14. I think, even though I owe a few thousand $$ on my CC, that this is an offer that I should not let pass by. I owe only $25k on my HEL. If I maximize the offer, it would be down to $7k come November of next year. And we're a "Go" for the program!! |
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bankergurl
Well-Known Member
Joined: Dec 30, 2010 17:05:10 GMT -5
Posts: 1,435
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Post by bankergurl on Nov 3, 2013 18:50:26 GMT -5
$50K - $100K List updated as of 11/3/13! $9,719.03 paid off in the last 2 weeks! Welcome to FBprincess and Banker Gurl, both from the Midwest! One Leapfrog, dschmidt1007 from the Northeast! Congrats to Wudnit from the Northeast for paying off over $95K and over 55%! Congrats to dschmidt1007 from the Northeast for paying off over $15K! www.notmsnmoney.proboards.com/thread/11190/wirr-50-100k-club?page=4#scrollTo=1766004 |
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munjoyhill
Junior Member
Joined: Dec 23, 2010 9:06:30 GMT -5
Posts: 181
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Post by munjoyhill on Nov 5, 2013 7:38:24 GMT -5
Update Munjoyhill 11/4/13 $108,200.15 ($155,340.30 6/18/09)
Slow progress, but progress nonetheless.
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Post by crisde2bdebtfree on Nov 8, 2013 18:57:59 GMT -5
Update
Crisde2bdebtfree—11/ 8/2013—$10,680.39--8/31/2010 $16,834 NEU286) Long Island NY
Congrats--Maryland Monroe--Wishing you all the best --
So--This is my best update ever!!! I must admit I am a bit proud of myself. The plan is to be debt free by March 2016--With this update i think I may be able to do it.--I have been at my job for a little over six months now. So for six months I lived on my unemployment budget and had the difference automatically deposited into my credit union account. My next update will be back to normal as I plan to go back on my unemployment budget again after the holidays. This Christmas is a cash only Christmas--
So i paid off CC2--which is a chase card--than i balance transfered my MasterCard--so I can get no interest for 15 months--that is why CC2 balance went up --I am working on the major cards first--then I will tackle store cards--It just feels so good to be almost under 10K--
DEBT LAST UPDATE THIS UPDATE CHANGE
MC 2900.12 0.00 2900.12
CC1 5634.45 3936.91 1697.54
CC2 2870.60 3043.48 (172.88)
KOHLS 1700.00 1700.00 0.00
MACYS 2000.00 2000.00 0.00
BML 0.00 0.00 0.00
DELL 0.00 0.00 0.00
LOWES 0.00 0.00 0.00
TOTAL 15105.17 10680.39 4424.78
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sealy
Familiar Member
Joined: Dec 22, 2010 2:49:52 GMT -5
Posts: 956
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Post by sealy on Nov 9, 2013 14:08:17 GMT -5
It never occurred to me until just a few
moments ago:
Look around on the other threads to
see how my fellow racers are doing.
I'm seeing some VERY motivating
races. KEEP UP THE GOOD WORK!
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bankergurl
Well-Known Member
Joined: Dec 30, 2010 17:05:10 GMT -5
Posts: 1,435
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Post by bankergurl on Nov 10, 2013 13:54:43 GMT -5
$100K List updated as of 11/10/13! Two leapfrogs, Minnesotagirl7(3) and newview from the Midwest! Congrats to DizzyIntellectual from the Midwest for paying off over $15K! Congrats to newview from the Midwest for paying off over $25K! Congrats to Minnesotagirl7(3) for paying off over $25K and getting under $110K! www.notmsnmoney.proboards.com/thread/11187/100k-club?page=5#scrollTo=1772046 |
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antevasin
New Member
Joined: Jan 3, 2011 11:24:20 GMT -5
Posts: 27
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Post by antevasin on Nov 12, 2013 13:31:28 GMT -5
Update:
antevasin: 10/1/13 $87,059.15 (8/20/08 $210,000.00 NE100)
Total amount remaining to pay back: $122,940.85
Total percentage paid: 41.46%
Total percentage remaining: 58.54%
A bit late, October was a busy month. The first major school bill went into place so I was going to take a big hit against the repayment. However, I'll still continue to plug along, make payments, and continue to work towards the overall repayment.
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ronnyanna
New Member
Joined: Dec 29, 2010 18:38:20 GMT -5
Posts: 19
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Post by ronnyanna on Nov 12, 2013 17:51:43 GMT -5
Nidena, Munjoyhill, Hi all!
I would like to join (again.) I realized that this is too big for me. I can't keep up in my brain!
The goal is
1) Keep clear records of expenses
2) Get a better handle on the long-term debt
Thanks for everyone's help! I'm in Maryland.
Ronnyanna
–$15,037. At&t Card A
–$11,673. BofA (business) Card B
–$11,367. Chase World Card C
–$9,073. Citi Card D
–$7,920. Discover Card E
–$6,781. Discover Card F
–$5,698. Discover Card G
–$4,629. Chase Card H
–$4,526. Chase Card J
–$3,960. Cabelas Card K
–$2,437. Citibank Card L
–$2,209. Capital One Card M
–$248. AT&T Card N
$2,575. Store Card P
Total $88,133
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Rocky Mtn Saver
Junior Associate
Joined: Dec 23, 2010 9:40:57 GMT -5
Posts: 7,461
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Post by Rocky Mtn Saver on Nov 12, 2013 18:01:31 GMT -5
Welcome, Ronnyanna! If you'd like some assistance deciding how to attack your debts, just say the word. The WIRR always have good ideas! |
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ronnyanna
New Member
Joined: Dec 29, 2010 18:38:20 GMT -5
Posts: 19
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Post by ronnyanna on Nov 12, 2013 18:13:11 GMT -5
Thank you, Rocky Mtn Saver! I'm so excited to post.
We have a rental house now and I am bewildered by the business expenses (first year in business.) I think it should be easier to track than it is.
Also had kids going off to college.
I appreciate it so much to have other eyes on it. Mine are buggy.
Ronnyanna
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nidena
Senior Member
Joined: Dec 28, 2010 20:32:26 GMT -5
Posts: 3,652
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Post by nidena on Nov 13, 2013 13:16:57 GMT -5
ronnyanna: Hello, stranger!! That AT&T card is begging to go. Is that doable in 2013? One fewer debt to track in 2014. 
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wudnit
Established Member
Joined: Jan 2, 2011 18:38:59 GMT -5
Posts: 345
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Post by wudnit on Nov 15, 2013 11:13:07 GMT -5
ronnyanna: I highly recommend YNAB for budgeting and for tracking expenses. We own an apartment building (4-plex). Of course, I'm a budgeting fanatic, so it came quite easy for me, but make sure you know your expenses for a rental, your budget for the rental should include a line for Maintenance, etc. Keep your rental separate from you house expenses. It is easier to track that way. Let me know if you need help. We've had the rental for a lot of years now. I'm hoping to pay off the mortgage in another 6 payments (we pay a lot over the amount due as we want it paid off early). Good luck and WELCOME BACK!
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ronnyanna
New Member
Joined: Dec 29, 2010 18:38:20 GMT -5
Posts: 19
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Post by ronnyanna on Nov 16, 2013 14:21:58 GMT -5
Thank you, thank you!
Nidena, you are singing DH's favorite song: cut down the number of accounts.
Wudnit, you are a great resource if you know how to do this. I have a copy of YNAB but never got it going. I will go find it. What are your names/categories of expenses that you track both for personal and business? The bookkeeper made a master sheet for our receipts last year but we don't have a month-to-month system in place yet.
We just one of the tenants move out (our first to move out) and I'm seeing the expenses of getting it ready for the next. It is also a 4-plex.
O happy day to talk with you guys! Thank you
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lark1964
Established Member
Joined: Dec 24, 2010 9:26:38 GMT -5
Posts: 434
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Post by lark1964 on Nov 16, 2013 17:24:23 GMT -5
Howdy.
So, I thought I'd just keep you all apprised of the ongoing battle with Nationstar Mortgage and their attempts to hold my mortgage hostage.
My bankruptcy attorney is now filing a class action suit.
I have been going round and round with them for months. My attorney had written to them, I've filed complaints with HUD, etc., etc., bottom line, they're absolutely breaking the law and they don't care.
Thursday morning we spent an hour on the phone with them in my attorney's office, probably about 30 minutes of the phone call we had was spent on hold while the woman who was alternately making my attorney laugh at her truly blatantly stupid canned responses and angry when she actually told him he didn't know the law would put us on hold while she "researched" our questions. Of course, she was not 1) part of the legal department, 2) a law student or paralegal or any other legal trainee, and 3) was not a supervisor or manager, nor would she connect us with either Legal or Management.
And of course, the truth is, she probably had everybody who works there in either supervisory or legal capacity standing behind her coaching her and she was probably getting very uncomfortable.
So, after making about 4 million copies of every piece of mail I've sent back and forth to the FHA, the Better Business Bureau, another Consumer Protection Agency, as well as letters from the Bankruptcy court and my last statements from Bank of America, I left his office feeling - I wouldn't say elated, certainly not satisfied, but I at least feel like there's light at the end of the tunnel.
Oh, the latest joke? I wanted information on my mortgage balance, they actually sent me PAYMENT COUPONS - all the way through the end of September, they seem to think that my escrow isn't going to change! Of course, if it does, well, that will reflect negatively on MY credit.
Um... do what?
Meanwhile, I cannot get out from under these bozos because my last credit rating was 595. I have a mortgage company who says as soon as I top 600, they will take on my mortgage, btw, they won't refuse to give me any information about my mortgage, etc., etc. At the advice of the broker, I've got a secured credit card, $300, I just have to run it up a couple of months in a row and I should top out 600.
Yargh.
How's tricks, everyone?
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