May be worse case you've ever heard
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| Wed, 10-27-2004 - 5:25pm |
2. My situation, which I will try and be a brief as possible may be one of the worst cases of poor judgement and irresponsibility you've ever heard. I'm not proud of myself, and am not here to give you the why's and what-for's...no excusees...
So basically, sparing you the drama that cultivated into the situation I have now.
....4-5 years ago filed for bankruptcy..chapter 7
....a little of 2 years ago lost my home to foreclosure which I actually abandoned the property.
.... As I try to clear up my messes, I have discovered through my reseach that the county my house was foreclosed in has a 65,000 judgement against me and there are several other Leins listed as well.
.... Several bounced checks through the years are apparently on my credit report..
.... My credit is so bad, that even though I've been employed with the same company for over 10 years, I can't even qualify to rent and apt. I can't get anything...my name is completely ruined.
I have researched several legal firms that have told me that they take my case and if I want they'll challenge everything listed negatively on my report with the credit bureaus and given the FTC guidelines for Turn around times, the credit agencies most of the time end up having to write them off due to the lack of paper trail. The also seem to think that since my bankrupty is several years old, there's a good chance they can get that off as well...maybe even the foreclosure...but, having her the same pitch from other Law Firms specializing in credit issues, I did my own research on
FTC's website. Basically saying the same thing the law firms said. But, when I spoke to the law firms, I wasn't aware at that time about the 65,000 judgement against me and I don't know what to do. Those documents are public record in this particular county and since they can be viewed online, obviously the hope for no paper trail won't work in this case. The entire document is out there and can be produced by hitting "print"...
I'm going to be 40 years old. I want to just say that although I take full responsibility for this mess I'm in.....at the time of the foreclosure and reasons for abandoning the property happened during a serious, chronic medical condition my 17 year daughter was my only focus, and my family was attending to my personal matters during the 8 -10 month hospitalizations, treatments, etc she received. The condition my daughter suffered from was the result of a crime related incident in which she was a victim. <
So...I'm scared to pull my credit report, although I pretty much know what's on there. I don't know why this is so scary to me.
Does anyone have any experience with a case of this magnitude? Should I hire an atty? Will I have to refile bankruptcy due to that judgement? Will I ever have the chance to clear my name and right my wrongs before I die.
My situation is so bad that since I can't even rent an apt, I have to live in an apartment on my parents property. In the dictionary, under "LOser"---that's MY face.
Thank you for your time and if anyone has any suggestions and/or input I would be greatly appreciative.
Loser OUT!!!

Hi there and thanks for posting!
All my best,
Danni
Hugs!!!
Becky
CL of 4th, 5th & 6th grade Scoliosis