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Need Advice! Overcoming a personal hard time!

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happyus
Valued Member

Need Advice! Overcoming a personal hard time!

OK, here is our situation.  I have been working on fixing my husbands credit for well over a year now, and I have made considerable progress.  I cleaned up several things, and brought all accounts current and haven't had a single late pay in almost 2 years. But...

 

In October, my husbands mother went in to the hospital and she battled DAILY for almost 2 months, it seems that every other day the doctors were telling us that she wasn't going to make it through the day.  Well unfortunately she lost her battle in late november.  During that time my husband barely worked.  It seems as soon as he would get back to work they would call and he would have to go back to the hospital. He does not have sick pay or anything like that so we basically had very little income coming in because I do not work. Needless to say, the credit history that I had feverishly been trying to maintain and clean up was riddled with late pays from October & November and we are just finally getting caught up now. What would be my best course of action at this point to try to get these late pays cleaned up? GW letters? Does anyone have any suggestions?  Please......

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4 REPLIES 4
RobertEG
Legendary Contributor

Re: Need Advice! Overcoming a personal hard time!

I feel for your situation.

But first put yourself in the mind of creditor.

Pease, please dont take this personally.   They hear excuse after excuse daily, some just BS. 

Creditors are capitalists, and for the most part, just want your $$$

But unless your creditor is totally heartless, if you send them medical records showing a progression of his Mom's medical history, accompanied by a copy of her death certificate, that would to me  be total an unequiovocal grounds for excusing late payments during the period. 

I think you have a 90% chance of deletion, if you can documenet  JUst dot give them undocmuntedb BS.

Message 2 of 5
happyus
Valued Member

Re: Need Advice! Overcoming a personal hard time!

I totally understand what you are saying, and I agree I am sure they hear excuse after excuse day in and day out.  But do you think it wise to send them this information unsolicited? & what exactly should I send them? Her hospital bill alone was 64 pages?

 

Or do you think that I should send a GW letter stating that I will provide proof upon request?

 

I just reviewed all 3 of our credit reports, and we were fortunate in that that only 2 of our creditors reported us late... CHASE AUTO FINANCE, and HARLEY DAVIDSON...

 

CHASE reported us in Oct and we were only 2 days past 30, and HD reported us oct, nov & dec ....

Message 3 of 5
LIGHTNIN
Senior Contributor

Re: Need Advice! Overcoming a personal hard time!

Sorry to hear about your MIL.

On the hospital bill there should be a admitting date and discharge date on the same page,try looking on the one with the total bill.

 Also there should be a discharge summary with dates and the history of the patient during the time at the hospital, that should work.

 

You may ask your Mother-in-laws Doctor to type up a letter, saying your husband was needed at the hospital during this time.

Also try your family Doctor, she/he may type up a letter,just call the drs office and have she/he return your call,just say its personal.

Look at it like when you needed a note for missing school. Oh, how about his work, can his employer type up a letter stating only worked and paid 

this and that.Get as many letters as you can get. 

 

I agree with RobertEG, a GW needs to be sent with proof,if you dont want to sent the death cert.....sent the obituary from the paper or internet.

let us know how things work out. 

FICO's May 2015 EQ764 ~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Message 4 of 5
newstart2010
Blogger

Re: Need Advice! Overcoming a personal hard time!

I agree, send everything with proof so they can see you are not BSing them.  I am sorry for your loss, and good luck with getting things back to where they were before.

 

Also, in the future if something comes up again I highly suggest contacting them beforehand and letting them know what is going on and setting up a different arrangement so that you can continue to pay, maybe a reduced amount, and it does not effect your credit.  My mother is going to do that since she lost her job and it will save her credit until she can find another one.  Creditors understand that things happen, they just want to know about it.  If you stay silent then they have no idea what you are going through and no way to help maintain the good relationship you tried so hard to build.

 

Good luck!

I live my life like I type, fast and with a lot of mistakes.
Spacebar broken. Watch for finger.

02/04/2015 || TU 08: 728 EX 08: 709 EQ 08: 748

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