I have about 1K to use to pay off some of my husbands debt and want to make sure Im putting it in the most important place. I have read all the FAQ on here, the SOL info and have already tried to send GW and PFD letters to a few of these creditors with no good outcome.
He filed chp 7 in 05 so we are already contending with that baddie on his credit. His business took a nose dive in 09 putting ALL of our CC, mortgage and car loans in crisis.
We have medical bills and a few CC (which have all been closed with a CO and turned over to collections)
I dont know how much info you would need to help me, but here is some:
First Fed Credit
$345 Date Updated: 02/2010 Original Balance: $345 Original Creditor: MED1 02 SKIN PATHOLOGY LAB Past Due: >$345
First Fed Credit
Balance: $115 Date Updated: 02/2010 Original Balance: $115 Original Creditor: MED1 02 SKIN PATHOLOGY LAB Past Due: >$115< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account
Balance: $115 Date Updated: 02/2010 Original Balance: $115 Original Creditor: MED1 02 SKIN PATHOLOGY LAB Past Due: >$115< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account
THE ABOVE THREE ALL SHOW A 'DISPUTED BY CONSUMER SINCE I WROTE A PFD'
This is a Cap 1. was turned over to collection and I have set up arangements with the agency. should I pay this off instead of monthly?
Balance: $821 Date Updated: 03/2010 High Balance: $984 Credit Limit: $500 Past Due: >$821< Pay Status: >Charged Off as Bad Debt< Account Type: Revolving Account Responsibility: Individual Account Date Opened: 02/2005 Date Closed: 12/2009 Loan Type: Credit Card Remark: Account closed by credit grantor
Estimated date that this item will be removed: 05/2016
This HSBC had been turned over to a CA. I have not made arrangements
Balance: $1,309 Date Updated: 01/2010 High Balance: $1,309 Credit Limit: $0 Past Due: >$1,309< Pay Status: >Charged Off as Bad Debt< Account Type: Revolving Account Responsibility: Individual Account Date Opened: 02/2006 Date Closed: 08/2009 Loan Type: Credit Card Remark: Account closed by credit grantor
Estimated date that this item will be removed: 05/2016
Best Buy. Again, turned over to CA. no arrangements ahve been made
Balance: $936 Date Updated: 01/2010 High Balance: $936 Credit Limit: $500 Past Due: $0 Pay Status: >Charged Off as Bad Debt< Account Type: Revolving Account Responsibility: Individual Account Date Opened: 10/2006 Date Closed: 12/2009 Loan Type: Charge Account Remark: Account closed by credit grantor
Estimated date that this item will be removed: 04/2016
This is from Aspire and turned over to Jefferson Fin. I paid a settlement amount of 350 something and they said to wouold show it as satisfied and settled, but it looks to me like they are still showing the remaining balance? Should I pay the rest to show paid in full?
Balance: $148 Date Updated: 03/2010 Original Balance: $493 Original Creditor: 12 ASPIRE CARD Past Due: >$148< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Date Closed: 11/2009 Loan Type: Factoring Company Account Remark: >Placed for collection<
Date placed for collection: [ 11/2009] Estimated date that this item will be removed: 04/2016
This one is set to fall off next year. Should I leave alone?
Balance: $182 Date Updated: 11/2009 Original Balance: $182 Original Creditor: MED1 02 ASHTABULA CTY MED CENTER 2ND Past Due: >$182< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection<
Date placed for collection: [ 12/2005] Estimated date that this item will be removed: 07/2011
another Medical
Balance: $548 Date Updated: 03/2010 Original Balance: $548 Original Creditor: MED1 02 AKRON CHILDREN S HOSPITAL Past Due: >$548< Pay Status: >Collection Account< Account Type: Open Account Responsibility: Individual Account Loan Type: Collection Agency Attorney Remark: >Placed for collection<
Date placed for collection: [ 01/2010] Estimated date that this item will be removed: 07/2016
As you can see alot of these are Medical and almost ALL of them just reported and will not be removed until 2016. I really want to pay the most important ones. would these be the CC and CC collections or the Medical bills. I have NO idea where to put my money.
We are hoping to sell and purchase a new house next summer and know we have a LONG way to go before we can do that. Any info would be so appreciated. thank you. Also, if there is anything else you need to help me just let me know!
via lender) EX 688