You didn’t ask for advice


but I’ll give it anyway. File your taxes now. Then track down that statement (call BOA). File an amended return (very easy). (If your interest payments are ~$600/month [you should have some idea what they were] x 3 then your “income” would be reduced by ~$1800. Your tax bill would be reduced by xx% of that $1800 [whatever your tax rate is]. Could be anywhere between $180 and $400. I think that is worth the two hours work tracking down your interest and filing an amended return.

Bankruptcy Complications Question


Hello to the kind members of this very helpful blog!

Please forgive me for making this so long, but my situation is complicated and I would appreciate any advice. It’s gotten terribly confusing and I don’t have a clue what I should do next, and am really in a state of terrible despair.

I’m a 46-year-old single man. In 2003, I became disabled and stopped working and had no income. I used my savings to pay credit card bills and my mortgage until my savings ran out. Although I was approved for Social Security Disability in 2003, I didn’t receive the first payment until 2005, and therefore paid minimal amounts toward my debt during those two years, and all my credit accounts went to collections and my house into foreclosure.

I contacted my creditors who weren’t willing to do anything to help me save my credit. I simply stopped paying all bills as I had zero income. I had about $50k in credit card debt before becoming disabled, aside from considerable personal loans I’d taken years earlier from my sister and two friends who had been waiting patiently for me to pay them back. As my credit score is poor I want to apply for $1000 dollar loan no credit check just to get some money for my regular expenses. Do you think it’s a good idea?

Upon becoming disabled, I stopped using credit and have lived on a cash-only basis, and I have not debted since 2003. I’d never expected my ability to generate income would come to a halt like that, and never imagined I would not be able to pay off all of this debt.

In 2005, I received a large Disability check for a retroactive amount back to 2003, which enabled me to get my mortgage paid up-to-date and get my house out of foreclosure, and I have remained current on that account since.

I tried to make payment arrangements with my other creditors (about 7 credit card companies), and succeeded in only two of the cases and made payments for about 2 years, though the balances continued to grow rather than show a reduction. I would have qualified for bankruptcy but felt it was not a route I wanted to go.

Also in 2005, my father died and I inherited stocks worth about $100k. Since my Disability payments were not enough to live on, I lived partly off the dividends of the stocks, and began paying down the debts to my sister and two friends. I had a consult with an attorney who was familiar with Debtors Anonymous who told me that because that inheritance was essentially my retirement account since I was disabled and might not work again, I should not use it to pay off any credit card debt, which had nearly doubled due to attorney’s fees and penalties etc.

In 2007, realizing that the situation seemed hopeless and my stress level was extremely high, I retained an attorney to try to settle with my creditors. He said that it was only a matter of time before my creditors found and seized the stock account, and recommended I sell the stocks immediately and that since I owed so much on personal loans from family and friends, I satisfy those loans first, which I did. With what little money remained, I did settle one debt, and fixed various long-standing problems with my home, and sadly no longer have a single penny of that stock money. Although I do have an offer from another family member to pay some of the debt if I were able to settle, the attorney did not succeed in obtaining settlements with any of the creditors besides that one.



Since the mortgage was sold to Nationstar last March, I can no longer access my BOA mortgage. It doesn’t even show up in the list of accounts… I’m guessing that had I thought about it a year ago I could have done it. But it’s too late now.

Mailed the check for my 2014 taxes this morning


Can’t find my interest statement for what I paid to BOA mortgage for the first 3 months of 2013, so I’ll just miss that deduction on 2013
taxes. I’ll file those today. Have most of the paperwork to send to Churchill for the re-finance BEF back at $1000(finally!)

A small tax return helped get us on track!


All of our small medical bills are now taken care of. The hospital is paid, the dentist is paid. We’re fixing our credit and I had a sixty dollar item on my credit report I just found out about, supposedly from a cardiologist I saw when I was pregnant. I was suspect since that amount wouldn’t match my copays. I called the creditor since I hadn’t gotten the bill. The debt collector couldn’t find my account for a long time, and when she did, she said the cardiologist had retracted it as an error. They said they had pulled it back from my report, but there it sat, in delinquent accounts. Submitted a dispute and within 24 hours, it’s gone. I know it shouldn’t matter I the long term, but I need to clean this stuff up if we will ever be able to refinance.

And just a quick story to indicate mortgage companies complete incompetence: this week, in this order, we received three pieces of mail: our final approved mortgage modification paperwork to just sign and return; a letter saying we were missing required paperwork; and an initial application for a mortgage modification. Um….messed up.

You just have to laugh….


I only have 1 credit card which was unwilling to work with me a few months ago. They were actually pretty rude about it too, so they went to the bottom of the list.
I’ve made payments every month, but in their world, I have a “past due” of $485, $385 of which is late fees, which they are unwilling to waive.
They just called again. Nicer person, but still the same position.
And I’m like, well guess what? My position hasn’t changed either. I’ll still send you $100 a month, and hopefully someday it will be all better :)
you just gotta laugh. if it wasn’t for the creditors, my phone would never ring 😉

BoA sold my mortgage to them about a year ago


The only thing I could find out about them is that a lot of people weren’t aware of the buy-out “in time” to get their first payment in, and it wasn’t credited and they had rolling late fees. I also read that they were really bad about crediting your payment a few days later so you’d have late fees, so I set my Capital One 360 to pay them on the 25th (due on 1st) and I’ve never had a late fee.

Do they teach basic math anymore?


I have to wonder because I have been going around and around with the company I ordered some embossing folders and dies from nearly a month ago about the amount of refunds they are giving me on out of stock items. The amount differences are not large at all, less than a dollar, but when they become more and more items those pennies add up and if they are doing it to me who else are they doing it to.
Here’s the math. I paid $1.25 each for these items, and had a 25% discount on my total due to a promo code. I also paid shipping for the items.
They are refunding me $.64 and have for the last 3 weeks have sworn up and down first that the difference was 25%, then 30%, then 25%, they a combo of the two. Only I only got the 25% off my original order. Anyway you look at it they are only refunding me a little more than 50%.
I finally got someone with some basic math knowledge today and he kept saying “what the?” every time and every way he did the math. Then when I asked how many other people this had been done to and how big of trouble they were going to be in he said “a lot, and we need to find out where that other $.30 went for each of those items “
Someone in their warehouse is now in deep dog doo-doo. Because they were recording they were giving store credit for the other $.30, but they hadn’t …to anyone. Why does the superman movie come to mind where the guy was putting all those little half cent differences on calculating stuff into his own account? This is not a small company.
So now not only do I have my full refund, supposedly, I will follow up on it. I have additional store credit and some free items headed my way. To thank me for bringing it to their attention.
I know $.30 isn’t much, but it was more than one, and how many other people got hit that way?