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Broken Credit BlogBroken Credit BlogFree Credit Repair Seminar, Dispute Letter, Mortgage Advice. The Broken Credit Blog was created to assist the general public with information about credit repair and responsible mortgage lending. Articles
Free Avoid Foreclosure Seminar
2008-04-23 15:31:00 Broken Credit, LLC is pleased to present our free thirty-minute online seminar titled: How To Avoid Foreclosure The following topics are discussed: (1) Budgeting Strategies (2) Repayment Plan (3) Forbearance (4) Loan Modification (5) Loan Assumption (6) Short Sale (7) Deed in Lieu (8) Hardship Letter (9) Negotiating Strategies (10) Bankruptcy (11) RESPA (12) TILA Join us and learn How To Avoid Foreclosure Online for free in thrity-minutes! More About: Free , Seminar
Califoreclosures
2008-04-22 23:09:00 The number of California homes lost to foreclosure in the first quarter surged 327% from year-ago levels — reaching an average of more than 500 foreclosures per day — DataQuick said in a report warning that the widening foreclosure problem could “spread beyond the current categories of dicey mortgages, and into mainstream home loans.” From DataQuick’s ... More About: Foreclosure
Free Credit Repair Seminar Now Showing
2008-04-22 19:17:00 I need to pay off an existing loan ASAP and consolidate some debt in an effort to improve my credit score. But now it seems it is much more difficult to get a loan without good credit. Melissa More About: Credit Repair , Credit , Free , Seminar , Repair
Texas Wage Garnishment
2008-04-22 17:02:00 About 6 months ago I signed up with a debt consolidation company (big mistake). I am no longer using them. Now that I have not payed on my credit cards in 6 mo. plus I have added up late fees. I have worked with two companies and am paying monthly. However, one of the cards; it ... More About: Texas
The Housing Mess and How We Got Here
2008-04-21 18:57:00 Please allow me to introduce myself. My name is Patrick Pulatie. Paul asked if I would be willing to write an article on a weekly or bi-weekly basis concerning loans, the issues with them and potential ways to assist people with their mortgage problems. I thank him for this opportunity. I am a loan officer who ... More About: Real Estate , Foreclosure , Housing , Mess
Joe Foreclosure Spam
2008-04-21 18:07:00 Good Afternoon: I represent a large network of clients, some of whom are searching online for foreclosure help. My job is to find a reputable company’s qualified website to direct these people to. Based on what my screening staff has reviewed, I would like to speak with you today about being in my networks exclusively featured ... More About: Spam , Foreclosure
Arbitration is Unfair
2008-04-21 17:19:00 The Wall Street Journal reports today: “A suit against a leading provider of arbitrators raises issues that for years have been leveled against the organization and that could come into play more as debt-collection actions rise in a likely recession. In March, the San Francisco city attorney sued the National Arbitration Forum Inc. alleging that it ... More About: Credit Cards , Unfair
Alliteration of Statute of Limitations
2008-04-20 20:11:00 Is there a Table that lists individual States S.O.L. I have 2 different accounts that are affecting my overall Score I would like to contest Fred ———– Hello Fred, You’ve asked for a list for statute of limitations, but that’s not to be confused with statute of limitations and credit reporting limits, which brings me to statute of limitarbitrations. This ... More About: Credit Repair
To Catch a TILA
2008-04-20 05:25:00 Interestingly, no one sticks up for the little guy these days. The big bad lenders along with their foreclosure mills are taking the American dream of homeownership away from millions of people as I type. Well, I?ll stick up for you, Broken Credit Bloggers! I won?t be quiet about what I find. Listen up; once ... More About: Foreclosure , Tila , Catch
How To Stop The Junk Debt Buyer Bully
2008-04-20 00:42:00 Here’s the deal. I charged CC debt to close to $5000 on my Visa. My limit was $5000. I got behind a few months, but continued to make payments, just wasn’t making the minimum monthly because that included late fees, now over the limit fees, etc. This went on for several months before I finally ... More About: Buyer , Bully , Debt , Stop , Judgment
Capitalize Delinquent Payments
2008-04-19 04:24:00 if you are 3 months behind on your mortgage and if you are approved for a loan modification do you have to pay some of that 3 months behind Lynda ———- Hi Lynda, Generally speaking, if you have the money then yes the past due payments will be required. If, however, you do not have the money to pay ...
Loan Mod & Short Sale Going Nowhere
2008-04-18 16:29:00 I have a home I have been trying to sell since october. I was proactive in contacting the mortgage company to explain that beginning in march I could not afford the high payment because of my financial crunch. I tried to get them to lower the payment until home sells or to do a short sale ... More About: Loan , Sale , Short
FHA Secure New & Improved!
2008-04-17 02:02:00 Previous FHASecure Press Release. WASHINGTON ? The Bush Administration today announced additional mortgage assistance for subprime borrowers who are at risk of foreclosure. The plan, which is designed to help address the adverse economic conditions affecting many communities across America, will help break the cycle of house price depreciation that is being caused by an increasing number ...
SBA Deferment
2008-04-16 16:08:00 Are there any mortgage relief programs for businesses? I have a commercial SBA mortgage of over 500K with a variable interest rate of prime + 2.75. My payments are about $5K a month. My business has tanked with the economy, and for the first time I was not able to make my April payment. I spent ... More About: Mortgage
Is Greed Good?
2008-04-16 02:27:00 Don’t you think that is good the banks are making it harder for people with good credit and bad credit to get loans? The reason I ask this is because the lending institutions have been ripping people off with sub prime mortgages since the 80’s because those the people’s credit report was bad the solution is ... More About: Greed , Good
Cell Phone Collection
2008-04-15 16:14:00 In July 2000 I got a cell phone with a one yr agreement. It had an early termination penalty, so I waited until 2 days before my contract end date and paid the final bill, telling them I did not wish to renew. They told me because I didn’t give 30 days notice, I had already ... More About: Credit Repair , Phone , Cell Phone , Cell , Collections
Ms. Scrooge Debt Collector
2008-04-14 16:16:00 She’ll call your neighbors. She’ll call your employer. She’ll say just about anything to get you to pay! Only one thing stands in her way? The Fair Debt Collection Practices Act. Ms. Scrooge Debt Collector Video Learn the FDCPA and combat the Ms. Scrooge Debt Collectors of the world.
Christy?s Loan Modification
2008-04-14 01:49:00 Hello Paul, I need your opinion. I am now in a loan modification process with my first mortgage company. They want to increase my payment from $1411 to $1965 for three months, can I work with them on this amount or not. After the three month they will consider the loan modification. My percentage rate is ... More About: Loan , Christy , Modification
Credit Repair?s Confusing So Sue Me
2008-04-14 01:01:00 Hi, Paul - I’m so confused. About 4 years ago I was in the type of bankruptcy where my debts were being repaid at a reduced amount (chapter 11?)when bad luck once again visited my door and I was unable to make the required monthly payment for the bankruptcy. The bankruptcy immediately was dismissed (which I ... More About: Credit Repair , Credit , Bankruptcy , Repair
Keep Copies of Your Credit Reports
2008-04-10 16:44:00 Hi Paul? I have numerous CO don’t even recognized some… think might have been from a credit card pay off with a home refinance many years ago…any I got the nerve up the other day to see how bad it is my credit report I see that some CO are do to expire in 2 ... More About: Credit
el crédito preguntas y respuestas
2008-04-10 16:16:00 Hello from Puerto Rico, Congratulations is the best site for credit answer and questions. Thanks for your dedication. Jose
Loan Modification Help
2008-04-10 00:47:00 U.S. News & World Report published today’s interview with FDIC Chief Sheila Bair and asked the following: Asking lenders to voluntarily modify troubled loans is a cornerstone of the Bush administration’s response to the housing crisis. How’s progress? [Treasury] Secretary [Henry] Paulson has been aggressively involved in calling senior management of servicers and telling them they need ... More About: Loan , Modification
Results of the Week!
2008-04-09 21:41:00 Check out Adriel?s latest results! Here we go folks!! This Experian report only had two items to dispute, but got one off! We LOVE to see the word ?deleted? on these results!! Providian Financial-This was a closed credit card account that had several 30 day lates and 1×60. Got the whole account deleted! Point increase was 19 ... More About: Credit Repair , Results , Week
Bear Each Others Credit Repair Burdens
2008-04-09 18:52:00 Hi Paul, this is Shannon(misreporting my mortgage). I just want to say thank you for that info. I sent a letter out today to that mortgage company certified mail. I also want to add that I am also a Christian, and feel that God led me to your website for the information that I needed ... More About: Credit Repair , Credit , Repair , Bear
The Great Credit Crunch
2008-04-09 15:54:00 Bloomberg.com reports today: “The credit crunch has already cost the world’s biggest financial companies about $232 billion and forced a government bailout of New York-based Bear Stearns Cos., the fifth-largest U.S. investment bank. The International Monetary Fund said last week that banks were in the worst financial crisis since the Great Depression.” Reminds me of The Philosophy ... More About: Credit Repair , Credit , Crunch
Misreporting My Foreclosure
2008-04-09 00:08:00 Hi Paul, I have a foreclosure question. To make a long story short, I signed for a house for a family member in 2005, in 2006 the house foreclosed. In April 2007 the bank sold the house and got their money which left a zero balance on my credit report. My question is even with a ... More About: Foreclosure , Mortgage
Florida Pre-foreclosures
2008-04-08 18:20:00 I know that many of the Broken Credit Bloggers have been raising their credit score in order to buy a home. Here?s what WASHINGTON (AP) reported today regarding the housing market: ?An industry group said Tuesday that pending U.S. home sales fell in February to the lowest reading since the index began, signaling the housing market ... More About: Real Estate , Foreclosures , Florida
Junk Debt Buyer & Original Creditor Balance
2008-04-08 16:22:00 I lost my engineer job for about 4 years and ran up CC debt. I’ve handled all but one, Sears, originally for $9800. LVNV apparantly bought it, and hired Weltman, Weinberg & Reis (WWR) Co. to collect. I’ve been paying $200/mo. for about a year. WWR stopped withdrawing pre-arranged pmts and now want to settle for ... More About: Original , Buyer , Debt , Balance , Junk
Kentucky Fried Judgment
2008-04-08 02:50:00 Hi Paul, I have seen you doing great job within this blog and I hope you can assist me also. Recently, I had judgement lien of $10,000 on my only home. The original venue of the case was Florida but the judgement debtor has got the lien over my home in Kentucky . Estimated value of home is ... More About: Judgment , Fried
The Short Sale Expert
More articles from this author:2008-04-04 19:28:00 Hello Broken Credit Bloggers, Paul asked me to write an article regarding some internet rumblings over Countrywide?s policy on short sales of investment property. The internet seem to be growing in an alarming rate and the amount of bad information found seems to have grown exponentially. The internet is a haystack and here is your needle. ... More About: Sale , Expert , Short 1, 2, 3, 4, 5, 6, 7 |
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