**LONG** rant on a personal situation [Archive]

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93 red ls

11-01-2006, 04:33 PM

PLEASE READ THE WHOLE THING IF YOU EVER HAVE HAD SOMETHING BAD ON YOUR CREDIT I HAVE A QUESTION AT THE END!!!!! THANKS

ok here we go 2 years ago i leased a townhome with a person that i was friends with for like 8 or 9 years we both were into cars he owned a local tuner shop it was pretty damn fun times! our lease had mine and his names on it the lease was for 1350 a month water included ect.....

we ended up needing out of the lease (ME AND HIM both being retarded) didnt sign a agreement to leave DUH i knew i was in for it so whatever. The total we owed was 5200....2600 a piece!

welp im a man i owe up to my debts so i contacted the place that we leased from attempted to setup payments well in the mean time the owner of the company already took it to a debt collector and my so called friend up and move to las vegas! yay for me!

so for the last 11 months ive been paying 150 a month to a lawyer for the debt collector to keep them from garnishing my wages no biggie everyone messes up i learned my lesson.well i wanted to get rid of the bill so i offered them 1500 lump some to take my name off the debt and only go after him for the rest of it. they took it and now im done paying woohoo. thats 3150 i paid total to the debtor i paid. I was only suppose to pay 2600. MY FIRST QUESTION is how are my means of getting my 550 from my "friend" going to play out. I have his ssn from the lease i have his addy in vegas and everything so what do i do? file at my local courts for him to be supeneaed (sp) and pay me my money owed? if he doesnt show up to a supenea will there be a warrant issued for him? I have the "letter of satisfaction" from the laywer and they are submitting it to all 3 credit burues to have this takin off my credit! MY NEXT QUESTION is how do i contact the 3 credit agencies to make sure it gets showed as paid and gets takin off mine??????? SORRY ITS LONG BUT YEA!!!!

da_gorilla97

11-01-2006, 05:53 PM

Sorry I cant help man, but good luck with getting your money and name cleared.

SLO SOHC

11-01-2006, 05:56 PM

Damn dude that's dick! I didnt know bout this!

Hope ya get it all fixed! I've had similar problems just not so much money envolve!

dustin_crxsi

11-01-2006, 06:17 PM

Getting your money back is between your friend and you. If he doesnt give you the money, then you go to court.

"I have his ssn from the lease i have his addy in vegas and everything so what do i do"

tell your lawyer to get ahold of him. He should talk to him, and get it resolved, or if nessecarry, filing suit on him will be the next step

for the supenea, Yes, a warrent will be out for his arrest, but they will give him an option, either money be taken out of his pay checks, or they will need the money strait up.

For the credit agencies, Your laywer should contact the business, or who ever you owed money too, and they will contact the credit businesses. Now, Im not totally for sure about that, but I do know is that you will still have about 3-9 months of bad credit on you.

93civiccx

11-01-2006, 06:22 PM

You call the collecter direct and make sure that they put it in as paid as agreed. Then go to freecreditreport.com and make sure it's not on there. Your credit will go up once the creditor turns it in as paid as agreed.

96sohc

11-01-2006, 06:23 PM

sue his ass! lol

dustin_crxsi

11-01-2006, 06:29 PM

93civiccx

11-01-2006, 06:37 PM

It's happened to me a million times and mine went up.

dustin_crxsi

11-01-2006, 06:43 PM

lol, a million times.

I tried for a car, but I got rejected 3 or 4 times. Now I own a home, and 2006 Honda CRV SE :TU:

93civiccx

11-01-2006, 07:25 PM

Me too. I tried to get a personall loan from my bank to pay off G.E. Capital so they will quit raping me on interest and they turned me down. Yet I bought new house nov. of 2005.

dustin_crxsi

11-01-2006, 07:44 PM

Well I'm only 20:noway:

Beeza

11-01-2006, 09:07 PM

Only 20,shit ya look older than that Mulletman :shocked:

I've lost lots of $ too man in that sort of situation.I tried for a while to get the $ from my so called friends,the nice way-it didn't work so I just let it go.Not worth going through all the hastle for me for a couple of grand.

Whatever ya do man- GOOD LUCK.

93 red ls

11-02-2006, 05:39 AM

Damn dude that's dick! I didnt know bout this!

Hope ya get it all fixed! I've had similar problems just not so much money envolve!

yea it was with phil dominguez that owned pwdesignsonline.com
im sure you remember it freddie he was open for about 4 years or so until he moved to Vegas! I just want my 550 bucks from him id rather him take it and do it the right way and just pay me b/c the laywer i talked with said i can roll laywer fees court costs time missed from work everything in with it and its pretty much cut and dry :mad:

93civiccx

11-04-2006, 09:26 AM

Well I'm only 20:noway:

I'm only 22.

superdewey58

11-04-2006, 10:01 AM

i would try and contact some type of debt consolidation agency or something of the like... basically someone whos deals with this shit, and ask them what to do

remoer

11-04-2006, 10:32 AM

i'll be like "dude are you going to pay the money you owe me?" and if the answer is no i would well "i guess you just bought yourself an enemy and the next time i see you it's on like fried neckbones and homefries, bitch."

93civiccx

11-04-2006, 11:13 AM

Steve-O

11-05-2006, 12:52 AM

Your credit wont go up right away. It takes awhile. Trust me on that part.:werd:

i despise the whole credit ratings system. make a few boo boos here and there, and they nail you to the cross for about SEVEN YEARS here in Canada :TD:

i have one credit card, one loan, and a few other debts i'm paying off quickly right now. when all is said and done next year and my debtload is clear, i'm keeping one credit card, getting a sears credit card, i'll pay all the balances off each month and paying cash for everything else :TU: