Do people really respond on here?

Discussion in 'General Lounge' started by iamsoconfu, Jan 7, 2015.

  1. iamsoconfu

    iamsoconfu New Member

    Hello, my name is chris and i'm 29 years old. I used two credit cards years ago when i was in my early twenties and couldn't afford to pay them and they were sold off a bunch of times since. The interest and finance charges brought the debts up to 4500 on one card, and 6500 on the other. I probably spend about 2500 or 3000 on each card. I also had a leased car that i went over the miles on and damage and i owed 3500 dollars. About 4 years ago i tried to consolidate the credit with credit consumer consolidation, some company i found in texas at the time. I made about 1 or 2 payment from what i can recall and i stopped after. I would get phone calls all the time from debt collectors threatening me in all kinds of financial ways. I received a call from this lawyer once named michael j. scott but i just couldn't afford to do anything. I never had any judgments or garnished wages before and i haven't really spoken to any debt collectors in a few years. Recently i noticed that i was getting credit car offers at my bank and at clothing stores so i applied and have been approved. I was very surprised. I went to a teachers federal credit union and asked recently about a personal loan. They said on my credit report one credit card from capital one is popping up at 4500 dollars so if i could get them to write me a letter stating what i owe and bring that in with a copy of my pay stub i could possible get a loan that would encompass that amount and whatever other amount i asked for on top of that at 11 percent interest. I thought maybe that would be a good idea. Then i asked the banker about hsbc bank and why that wasn't on there. She said they must have not reported but could soon. I also asked about nissan motor acceptance corporation, she said it was written as satisfied or something like that. I had no idea why. So recently i got a call from a man working at Everest Receivable Services asking for money on behalf of their client. They called asking me to confirm an address. I asked what it was about and they were being shady. I just came out and asked them, are you calling for capital one? Then they told me no, for hsbc. I was suprised. I was like i guess applying for that loan is why hsbc popped up now. They told me they would settle 6500 at 2,052 dollars. I don't have that money. I told them i think that i started those debts nearly 7 years ago but i may have restarted the clock on myself in 2011 when i made 1 or 2 payments. I am reading a bunch of stuff online with all these acroynms that i don't understand like dofd and i just don't know what to think. This man emailed me an email saying "as per our conversation" and it's this settlement email, with a line at the bottom that says signature. He plans on calling me back tonight at 5:30pm. I don't know what to say to him. I want to say, leave me alone and just wait and hope it drops off my credit sooner or later. I saw my credit score was a 650 from the banker at teachers. Could somebody give me some advice? Can somebody explain all the jargon, or acronyms with regard to this credit world? Thank you so much
     
  2. Dancer

    Dancer Well-Known Member

    I'm an old-timer on the board.

    You're right, it was never like this. Back in the day, there were enough of us active that we'd have tracked Mr. Kaplan down and tarred and feathered his slimy butt.
     
  3. mindcrime

    mindcrime Well-Known Member


    I am as well; don't let the Join Date fool you, LOL.

    Originally joined in early 2000 -- or somewhere close to that date. Fell out of touch after a few years. I too remember the old days here.
     
  4. gillybob

    gillybob New Member

    The old days were great here. There was a ton of help. I went by another name back then. At least I know where all the good folks went. This forum is not monitored, I think. I tried to contact the moderator to assume my previous identity here. There was no response. This place is like a ghost town...
     
  5. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Hey everyone! I'm back and taking over the entire site again for 2016, so this forum will be monitored full-time. I'm hoping to bring it back to what it was like in the old days!

    If you have time to swing by every now and then to share your expertise, it would be greatly appreciated!

    To the OP, were you ever able to get the help you were looking for? If not, start a new post in the Credit Talk Forum and I'll do my best to help in any way. Happy New Year!
     
  6. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Glad I could help!
     

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