topic Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK in Rebuilding Your Credit

App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

RecoveringShopaholic — Sun, 25 Mar 2012 03:20:03 GMT

so with my new credit worthy scores, I thought I'd take the gamble and see if I could get some higher limits out there besided Orchard and Credit One. Umm...nope! I tried Walmart and Mazuma CU. Walmart said you will get a response in 7-10days, called the back door number and got an Im sorry but no from a very nice Indian Peggy. Mazuma said review necessary. I thought Yeah! since I have the bk, they wanted to do an extra review even though they had my good scores. They stated give us 300 and we will give you a secured card, no go on unsecured. oh well. lesson learned. back to letting time pass and I will try again in 6 months.

OHHH and out the blue, I got garnished! ha! Old med bills that werent included in my BK. they tried to sue me once, but because my bk, they suspended the court date, well I forgot about the date to go back, the guy won the judgment and it took them 6 months to execute the garnishment. I believe they watched until my bk was discharged. I got hit 422 bucks out of my ck. I would fight it however, the total judgment was 1000, 2 more hits and Its paid, it will cost me more to fight it. So Im taking this whipping.

Its been a rough week. the road back to life is a bumpy one to say the least.

good luck all!

Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

rckstrscott — Sun, 25 Mar 2012 06:33:18 GMT

RecoveringShopaholic wrote:
so with my new credit worthy scores, I thought I'd take the gamble and see if I could get some higher limits out there besided Orchard and Credit One. Umm...nope! I tried Walmart and Mazuma CU. Walmart said you will get a response in 7-10days, called the back door number and got an Im sorry but no from a very nice Indian Peggy. Mazuma said review necessary. I thought Yeah! since I have the bk, they wanted to do an extra review even though they had my good scores. They stated give us 300 and we will give you a secured card, no go on unsecured. oh well. lesson learned. back to letting time pass and I will try again in 6 months.

OHHH and out the blue, I got garnished! ha! Old med bills that werent included in my BK. they tried to sue me once, but because my bk, they suspended the court date, well I forgot about the date to go back, the guy won the judgment and it took them 6 months to execute the garnishment. I believe they watched until my bk was discharged. I got hit 422 bucks out of my ck. I would fight it however, the total judgment was 1000, 2 more hits and Its paid, it will cost me more to fight it. So Im taking this whipping.

Its been a rough week. the road back to life is a bumpy one to say the least.

good luck all!

Bad weeks will happen.. I am going through the home buying process, and in the past 21 days I had a new collection come up from LVNV, which I had to fight to get deleted, the IRS refused to abate any of my tax penelties and interest so I had to send out 7k to them, and then the state of illinois tax lien I had on my credit, which was listed at $1374, was actually over 3k... lol just gotta take each hurdle as they come, overcome them, and move on to the next until there are no more hurdles.

I am fairly sure there is nothing possible that I could owe now... but I wouldn't be suprised if another one hit before I actually close, because that is just how this has been going ;)

My only real advice would be, don't app until you are doing or near done repairing.. and don't give up! :)

Credit repair is a very REAL process, but you should detach yourself and just tackle it like a game, and once you get your high score, you are the winner :)

-scott

Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

RecoveringShopaholic — Sun, 25 Mar 2012 15:20:33 GMT

Thanks Scott! Wow when you're thinking that you have it bad...I'm going to take your optimism and hopefully make it my own. I as well am in the home buying process (albeit very early) I worried that I didnt have enough open tradelines but im done apping. My ego cant take the disappointment. Good luck!

Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

rckstrscott — Sun, 25 Mar 2012 15:58:26 GMT

RecoveringShopaholic wrote:
Thanks Scott! Wow when you're thinking that you have it bad...I'm going to take your optimism and hopefully make it my own. I as well am in the home buying process (albeit very early) I worried that I didnt have enough open tradelines but im done apping. My ego cant take the disappointment. Good luck!

Yeah-- Ego plays a big part in this whole process.. just gotta try to keep it tempered.

I remember when I got this nice big boy job I have now 4 years. I was SO upset when people wouldn't let my buy a car, a home, give me credit.. I had destroyed my credit for years and I remember thinking, well, ya know, I have money now, why shouldn't I be welcomed with open arms?!!??! I had the money to afford a 200k house, a 20k car. Why wouldn't they give it to me?

Then I found out all my fico scores were under 500.... OOPS.

I spent about 18 months doing this now, and I am STILL doing it. Although I am much closer to where I want to be, I still have some baddies, I still have some tendancies to want to go after something I probabaly shouldn't, and I have to obsess over my bills almost daily to keep me on top of them..

This isn't easy. It hasn't been easy.. I will say though, in a narriscistic way, it has been fun. I have loved this challenge from day one...

-scott

Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

RecoveringShopaholic — Sun, 25 Mar 2012 16:09:15 GMT

I swear you're in my biography. Same here, big girl job, low 6 figures and couldnt get a 15k car! lmbo....Time to put on my big girl panties and put in some more work. Not giving up! I know i can be over 700 in couple months. This aint a race most definitely its a marathon. I hover over bills as well its almost a sick obsession. I hope its a life change though. Dont ever want this feeling again.

Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

rckstrscott — Sun, 25 Mar 2012 16:24:33 GMT

RecoveringShopaholic wrote:
I swear you're in my biography. Same here, big girl job, low 6 figures and couldnt get a 15k car! lmbo....Time to put on my big girl panties and put in some more work. Not giving up! I know i can be over 700 in couple months. This aint a race most definitely its a marathon. I hover over bills as well its almost a sick obsession. I hope its a life change though. Dont ever want this feeling again.

I agree.. I hope it is a life change too.. At least I know now how the whole game works, how the lenders use the FICO, my finances..

I feel like the time I have spent on this forum has actually put me ahead of most consumers now as what to do and what not to do to make my dreams a reality..

Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

Repo-ed — Mon, 26 Mar 2012 00:25:16 GMT

RecoveringShopaholic wrote:
I swear you're in my biography. Same here, big girl job, low 6 figures and couldnt get a 15k car! lmbo....Time to put on my big girl panties and put in some more work. Not giving up! I know i can be over 700 in couple months. This aint a race most definitely its a marathon. I hover over bills as well its almost a sick obsession. I hope its a life change though. Dont ever want this feeling again.

Somebody started where you are in Jan and today or yesterday posted their FICO score had hit 700. 2 months turn-around, so apparently it's entirely possible.

Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

RobertEG — Mon, 26 Mar 2012 01:57:42 GMT

Were you ever advised of the court date that led to the order for garnishment? That should not have hit you from out of the blue vapor.....

I would check out the court records related to that proceeding.

Re: App itch, sad denials, and a ghostly wage garnishment--BAD WEEK

RecoveringShopaholic — Mon, 26 Mar 2012 04:59:33 GMT

The original court date I appearred at it was rescheduled for 60 days because I was in a chapter 13, and a portion they were suing for was included, another portion was about to hit the 7 years and the final portion was legit. Although I had been paying the hospital, apparently I had over 9 separate accounts, I thought I was paid up from the portions not IIB (I had a baby who was sickly). Well, this savy lawyer, rolled it all into one case, I had it continued to dispute portions, there was a separate date scheduled. But I forgot due to the fact that I am a single mom, work full time, and am a full time student. At that meeting the attorney got a judgment for everything not included which was 800 bucks plus 9% interest. total 1000k. So it wasnt totally out the blue. He sat on the judgment until my bk was discharged (so I couldnt roll it in) and then filed the garnishment with my employer. I didnt realized they executed a garnishment otherwise i would have just paid the hospital directly. (tip--doing this in a med collection, gets rid of all the interest and fees because the hospital will not go back and validate the debt for the attny). Its a mess of my own doing. I dropped the ball. but at this point why fight it. It will be paid off by the time I get a real court date to stop it, and why pay an attorney 500 to stop it, when Ive already been garnished for 1/2. oh well.... live and learn. This was the only bill left outstanding...that I know about. I hope.

Thank you all for the support...This is so therapeutic. Sometimes just too embarrased to tell family or friends the real deal. Something to be said about anonymity.