Re: TRUCE GUYS? Cmon-I can't keep thank you for your malt shop hug! LOL! I feel like Gidget and Moondoggie - trying to get a car loan! NOW THIS MESSAGE HAS TURNED TO GREEN _ LIVELY!!!!!!! arf - dogman
Re: TRUCE GUYS? Cmon-I can't keep That's because we are a lively group! Hey, it just may surpass the "This board is being watched" thread! Stay tuned.
Re: TRUCE GUYS? Cmon-I can't keep "Thread Envy" ? This thread (and yours) are great topics, we just need to keep the topic on track. BK has affected a lot of people on this board. I know I had pretty much no where to turn when I went through it- I wish I knew you guys existed back then. I think it would be great to keep this thread going. A perfect opportunity for us all to share our experiences and show what it is really all about. Shawn
Re: TRUCE GUYS? Cmon-I can't keep Sheeeeeeeeeeeeesh!!! Asked a few simple questions and the air war over Afghanistan just moved to CreditNet :-( Sean and Shawn and everyone who offered their advice... A Big Thank You!!! Now let's put this topic to rest and move on. I asked for advice, received a great deal of it and I'm taking it to the bank. I'm going to talk to CCCS one more time and a bankruptcy lawyer then make the best decision for me. Thank again for everything!!! Cynthia
Re: TRUCE GUYS? Cmon-I can't keep Topazmoon, we'll fight for you anytime. Look at it this way... Where else on the net will you see a bunch of guys beat each other up and end it with a group hug? Even better, where else will you see a group tackle your issue as passionately as they can in order to present you the best advice possible? I hope you won't forget that: a) we do this pretty often, and b) we're still friends, and c) an instance of disagreement here is still an attempt to help you, even when you're the one on the firing end of the disagreement, lol. Seriously, I hope you'll stay with us, and keep us posted regarding the choices you make. (And we'll debate the hell out of 'em for you to boot.) Doc
Re: TRUCE GUYS? Cmon-I can't keep KINDA like a Rock Hudson movie - does that intentionally say it all ???? LOL!!! dogman
Re: TRUCE GUYS? Cmon-I can't keep Well maybe not QUITE like a Rock Hudson movie, cough, cough. Not that there's anything wrong with a Rock Hudson movie of course, I hasten to add. Doc
Re: TRUCE GUYS? Cmon-I can't keep Cynthia, You are more than welcome! Guys, should we tell her about our fee schedule now? She racked up a huge bill on this one! LOL Shawn
Re: TRUCE GUYS? Cmon-I can't keep I thought it said something about a fee schedule...but it disappeared... I CHARGE 2 F.I.C.O. POINTS PER ANSWER...BUT NOBODY HAS PAID ME...
Meanwhile, back on the Ranch... I offered you five FICO points once if you'd remove the CAPS LOCK key from your keyboard, but you didn't answer. LOL. Since nobody has said a kind word about the CCCS process, I guess it's left to me. Only the people on this board could possibly understand the struggles my wife and I have gone through. Business went south slowly. All the while thinking I could turn it around in another three or four months. Small biz owners are eternal optimists, even in the face of reality. When we finally came to grips with the truth, our credit was ruined, savings gone, etc., etc., etc. We thought about BK, but I just couldn't bring myself to do it. Yeah, I know that Discover, Citi, Cap1, and all our other creditors cared not one tiny bit about us. I also knew they could afford the loss if we went BK. But, I also knew that every one of those debts was legit. I just didn't have it in me to walk away from it. We went to CCCS as a last resort. Our interest rates were, in most cases cut in half or more. Our payments were cut by more than half. So we paid $914 per month for just under two years. It wasn't easy. There were times when we ate macaroni and cheese two meals a day for the better part of a week. I used to love that stuff- not anymore. Twice, we made less than $10 last for a week (luckily, the cupboards had been full). Gradually, though, things started getting better. When the van died yet again (280K miles), CCCS reviewed our circumstances (I had gotten a job making better money) and gave us a waiver that allowed us to get a decent used car financed (albeit at an outrageous rate, since refi'd). For the record, I will say that earlier posters are correct that the CCCS mark on your CR's makes it absolutely impossible to get any new credit until you are done with your Debt Management Program (with the Car exception above- they know that you gotta have wheels). When we finally finished paying everything. I can't tell you how good it felt-- still does. I know that I paid everything I owed. I also know that they don't care one bit; but I do. I'm raising a daughter, teaching her right from wrong, etc. I can look myself in the mirror. That's important. There's a lot of cleanup to be done. I began requesting verifications from the CR's and got better than half of the negatives removed without a fight. CCCS has a program with Citibank that got us into a no fee MasterCard right away. I'm working with Bill Bauer right now to get the rest of the mess cleaned up, which includes a couple of long forgotten collection accounts. I offered each of them to settle in return for deletion early on; they refused. Now we're turning the tables and putting the burden on them. But we're not telling any lies; I still have a wife, a daughter, and a mirror to face. I don't begrudge or look down on someone who makes a different choice than I did. Some small part of me is actually envious of the fast results and recovery (relative to making a $914 payment for two years) that comes with going the BK direction. It just wasn't something I could do. My apologies for getting all serious on you guys. It's not like me. You know why the Taliban Navy has glass bottom boats? . . . So they can see their Air Force. Ba dum, bump! . . . There. That's more like me.
Re: Meanwhile, back on the Ranch... Great Post, Quixote. I am really glad you shared your experience as the only impressions I had of CCCS were negative. I am glad to see that they helped someone out. Shawn "How do you play Taliban Bingo?" "B-52, F-17, F/A-18, ........"
I love Happy Endings!!! I'm so glad this is resolved!! You guys do me proud and make me forget how mad I am about another board where a gal posted that she can't see why people are donating so much money to the victims of the September 11th fund. She thinks they have quite enough already to go around. I told her I'm pretty damn sure those folks would much rather have their family/friends/loved ones back than any amount of money. And people are donating because they care. I'm so mad I wish I could thunk her on the head. Oh well, to each his own. At least she isn't in charge of dispersing the funds. Little things to be grateful for.
Re: Meanwhile, back on the Ranch... I should also mention that, if you don't complete your Debt Management Program, and I mean completely, from what I've seen, you'll wish you'd never heard of CCCS. Your credit ends up at least as bad as with a BK, and at that point, BK is your only way out. So, if you go that route, you gotta be 100% committed, or you'll end up in the same place you are now, but you will have thrown a lot of good money after bad. Whatever path you choose topazmoon, best of luck!
Re: Meanwhile, back on the Ranch... Quixote I offered you five FICO points once if you'd remove the CAPS LOCK key from your keyboard, but you didn't answer. LOL. ------------------------------------------------------------------------------------------ I can't...I have case sensitive passwords... SoRrY....NOT
Re: Meanwhile, back on the Ranch... OK. Five FICO points AND I'll get your kite out of the tree whenever the tree eats it.
