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Got a question... Approximately how long would it take for a Lending Tree mortgage loan to go through.? Hoping for any comment. Another question I got... My friend is filing Chapter 7 and has an appointment with her attorney today to give him all the forms she filled out and pay her filing fee.. |
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Hmm... I need to find out myself. I don't know what is the answer. I'll do some research in Google and get back to you if I bump into an good answer. You should email the people at Lending Tree as they probably can help you..
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Why won't she have a case # for a few days? They give the case # immediately at the time of filing. I'd tell her lawyer to file today. Even if all the docs aren't ready for filing, they can still file the basic petition and then within xx days they can file the rest. Get that case # and have her call the repo guy...
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Thanks, I'll make sure she asks to have them file again.Both Americredit and the repo man are calling her house, her cell, and her husband's work about every 15 minutes. She is worried that her husband will lose his job..
I'm so glad I am on the road to better credit and not back in this situation.. Kim.. |
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Update on this..
My friend met with her attorney. He is really no a lot of help. He won't do the basic petition because he would only have 10 days to submit the docs. Now she is really freaking out because that means he won't be done for at least 10 days. She doesn't have anything complicated. Just cc debt, a judgement and the car loan. She says her attorney is nice but I am wondering if he is good. I don't remember it taking this long when I filed BK.. Americredit and the repo man are still calling her almost non stop. I feel sorry for her that this will continue for another couple of weeks unless she parts with the car... |
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Check your states FDCPA laws. Some are much stronger. In TX, harassing phone calls also include the OC - maybe that will hold them off for a few days. Then - give them the attorney's phone number...
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Once you file bankruptcy you get by action of law what is known as an "automatic stay" which means your stuff is temporarily safe from creditors. My advice would be to go to a bookstore and get a do-it-yourself kit and follow the directions. The filing fee for a 7 is $200 and if she makes some mistakes the petition or filing can be amended at a later date. This way she and her husband (if filing jointly) can be protected from judgments and garnishments right away without waiting the 10 days..
HTH,. Clc.. |
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I cannot believe this guy. The repo man started calling this morning at 7:30. He has already called almost 20 times..
He went to her house and she didn't answer the door so he tried to get it open. Luckily she had the dead bolt locked.. He is now following her. She's terrified of him. I told her to go to the sherrif stattion and park. I don't think he'll stick around there. Then she can run her errands. Hopefully her husband will be able to be waiting for her when she gets home and they can quickly lock the gates when she drives in. They are caretakers of a county park. The repo man told her that if he saw the car he would drive through the gate to get it. I would love to see the county's reaction to that.. The crazy thing is this car is not even worth $2000 retail. It is dented and needs major repairs. Has about 125,000 miles on it. You would think it was made of gold... |
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Look up her repo laws in the UCC code...there is something in there about peaceful reposession. I think this may apply. Not sure what the exact language is, but I am sure "driving thru a gate" isnt permitted...
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Look here:.
Http://www.lawdog.com/. Click on the link "state laws by state" See if there is something there... |
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Sounds like several violations of FDCPA going on here, not to mention threats to breach the peace in repo'ing the van...
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