On 19-Jan-2004, "Brett Weiss" <lawyer@erols.com> wrote:
I asked the bank about this and they knew nothing about this program and didn't sound like they were going to look into it. Any advice much appreciated, thanks in advance. If other options fail, one choice may be to file for a Chapter 13 bankruptcy. This will stop any foreclosure and give you up to 5 years to catch up the missed payments. I have written a Bankruptcy FAQ which should answer many of your questions about what is involved--it may be found at http://users.erols.com/lawyer/FAQ/br_faq.htm.

Just keep in mind Attorneys are collection agents as well. Spammer Brett
fails to mention he's probably involved in collections as well. Everything
they do is THEIR own best interests. Many people who go bankrupt complain
they are still harassed by collection agents. The best thing you can do is
not pay until you can work out a deal with the creditor. If you simply don't
pay, you can write a letter to stop the calls, force the creditor to
validate the debt, dispute the derogatory with the credit reporting
agencies. And even make a deal with the creditor if ever you have the money
to pay. If you do nothing the derogatory will be removed in 7 years anyway
(yes there is a Jubilee Year Brett). With bankruptcy you are at the mercy of
the Judge, it shows for ten years and it will ALWAYS be on your public
record. Chap. 13 Bankruptcy is good for keeping your home, that's true, IF
you can pay. In the long run you'll be sorry because you'll have your home
but you'll be locked into paying ALL your creditors or lose everything once
more. The way to use Bankruptcy to keep you in your home is to file then
rescind, file then rescind over and over.

Before you mess yourself up for life so some sleezy attorney can make a few
hundred bucks off you go to
http://consumers.creditnet.com/straighttalk/board/index.php?s= and ask some
others about it who've successfully repaired their credit without the use of
attorneys or bankruptcy.

you had better be REALLY careful what kind of advice you are giving people.
Do you realize that your advice you wrote is called bankruptcy fraud? Yes
filing in bad faith is fraud. Now for the filer its a civil matter but for
you telling people to do it, thats criminal. Regardless of what you think of
brett or any other attorney, you had better rethink the "legal" advice you
are giving people.

Corey


If you read what I wrote more carefully you would see I wasn't advising that
he should do it I was merely stating that was how bankruptcy was used. It's
not illegal to declare and rescind. That all depends on the intent of the
filer. My point was that all bankruptcy is good for is to buy you some time.
BK is legal fraud. Anyone who lets a BK go on their public records is a fool
and will be looked at as such for the rest of their life and anyone with
Internet access can find out.



How do you figure? I can show you case after case where everything you said
is completely wrong. Saying its about the Intent of the filer? What a joke.
First of all, if you file and "recind" thats a voluntary dismissal, which
will result in one of two things, depending on your district it could result
in an automatic w/prejudice dismissal, or if not, it wont take long for the
UST office to catch on and dismiss it with prejudice for you. Either way
your intent was to file repeatedly and not follow through with an actual
bankruptcy case which is bad faith which is fraud, which I dont care how you
spin it is legal advice for you to be telling people to do. As for anyone
letting a BK go on their records, I find it ignorant and rediculous that
this qualifies them as a fool. For one, I ask people all the time when they
come in, how many people do you know that have done a BK, most if not all
dont know any or one or two friends or family members, but they rarely if
ever know about people that arent very close to them. Very few people would
put forth the effort to go get a pacer account so that they could know who
has filed a BK, let alone care about doing so. It seems to me that you are
speaking as the old saying goes "out of your ***"

Corey



Oh so you're an Attorney. That explains it all. Your profession's reputation
says it all. You don't need a Pacer account to access public records. Most
counties have it for free. You should be ashamed of yourself victimizing
people for a few bucks just because it's the only way you know. Bottom
feeder.




LOL, you assume too much. Im not an Attorney, nor did I say I was. Nor did I
say I advise people to file. Im smart enough to be an Attorney, and in many
cases smarter than the Attorneys I come in contact with, but to answer your
response, I only said I talk to clients, and that I ask them when the
subject of BK comes up, whether or not they know anyone who has filed. You
sir, should be the one ashamed of yourself, for trivializing peoples
problems and infering that they are somehow less because they may or may not
use a legitimate option that is at their disposal.

Corey


Either they're victims or fools or foolish victims. Soon BK will be outlawed
not so much because it hurts the creditors but because it hurts the public.
The only ones BK helps is lawyers and large corporations.



WOW, now I know you are a moron. First of all you obviously know nothing
about the pending legislation as it does not outlaw BK, nor will it really
make that much of a difference. I wont get into why as it would probably
pass over your head, and furthermore, You couldnt be farther from the truth,
our economy would practicaly come to a screeching halt without a bankruptcy
system. You should do some reading on economics. Heres a quick thought for
you. Our economy grows when people spend money. People dont spend money when
they are so laden with debt that they have to rein in their spending to
simply survive. If those consumers are freed from those financial
constrains, they begin spending again, and then you get to move up from head
bagger to a checker because the grocery store is making more money. (thats a
very simplified version, but I thougth it fitting for present company)

Corey

On 12-Feb-2004, "Corey" <frsmarketing@comcast.net> wrote:
Heres a quick thought for you. Our economy grows when people spend money. People dont spend money when they are so laden with debt that they have to rein in their spending to simply survive. If those consumers are freed from those financial constrains, they begin spending again, and then you get to move up from head bagger to a checker because the grocery store is making more money. (thats a very simplified version, but I thougth it fitting for present company)

What nonsense. A very small percentage of the public go bankrupt. God help
us if our economy depends on it. Those who go broke are well protected
without banruptsy. There's the FCRA, and FDCPA that assures that even if a
consumer does nothing he will have clean credit in 7 years. If he follows
what is taught at
creditnet.com, http://debt-consolidation-credit-repair-service.com/phpBB2/
and other similar boards the will have excellent credit again in less than a
year. And I'm not speaking in theory. I've done it. 20 derogatories off my
credit within a year. I've done it for relatives and friends as well. If you
file BK it's MUCH harder to clean your credit file and impossible to make a
deal. You will have to disclose it every time you are asked, and public
records will show it for the rest of your life. Read the article below.



By Brock N. Meeks
MSNBC

WASHINGTON, Aug. 5 — Mix bankruptcy with scandal and fraud and you get a
volatile cocktail of emotion and outrage that commands the national stage.
The debate over how and when people and companies can resort to bankruptcy,
fueled by the recent high-profile filings of Enron, WorldCom and Adelphia,
has suddenly turned the spotlight on the rewriting the nation’s bankruptcy
laws. And everyone, it seems, has a dog in this fight.


CONSUMERS AND BUSINESSES are shedding their debt in record numbers.
Bankruptcy filings in the 12 month period ending March 31 are up 15 percent
from the same period a year ago, according to data from the Administrative
Office of the U.S. Courts. The first quarter of the year saw 379,012
bankruptcy filings, the highest number ever recorded for a first quarter and
the second highest number for a three-month filing period ever. Of those
369,237 were consumers; 9,775 were business-related.

Stories of consumer and corporate cheats beating the system by abusing the
bankruptcy laws are legion. There’s one-time corporate raider Paul Bilzerian
who has filed for bankruptcy twice in Florida, the last time listing $140
million in debts. Yet Bilzerian is able to shield his $5 million home, which
he once dubbed his “Taj Mahal,” thanks to a loophole in the bankruptcy laws
that allow Florida residents an unlimited homestead exemption. That
exemption is also permitted for residents of Iowa, Kansas, South Dakota and
Texas.

And remember the headlines surrounding actor Burt Reynolds when he filed
bankruptcy claiming $10 million in debt but was allowed to keep his $2.5
million home? Or the couple that brought home a combined $3,200 a month yet
ran up $237,000 on some 30 credit cards before they wiped it all out in a
bankruptcy proceeding?

And then there are the companies like Enron and WorldCom, where highly
questionable, and possibly illegal, accounting methods pushed them to shroud
themselves in bankruptcy, thus eliminating all shareholder equity while
wrecking havoc with pensions and a myriad of smaller creditors, as major
bondholders and banks jockey in court for the table scraps.

Under the glare of such white-hot national attention, the House and Senate
are close to final passage of a sweeping bankruptcy bill. The legislation
languishes in conference committee where differences in the House and Senate
proposals must be worked out. The bill nearly emerged for a vote last week
but stalled over a last-minute dispute on a provision that would prohibit
people convicted of violence against abortion clinics from using the
bankruptcy laws to avoid paying fines.

Supporters hope the bill will emerge from committee shortly after the summer
recess. The White House has already said it would sign it into law.

But consumer advocates, economists and attorneys question whether the bill
actually does what its supporters claim: Make the bankruptcy laws “more
fair.”

Critics claim that the brunt of bankruptcy reform is born on the backs of
those that can least afford it: Consumers in legitimate need of an economic
safety net, and large corporations are largely untouched by the reforms
while small businesses also end up with more burdens, bankruptcy-law experts
say.

No surprise, the credit card and banking industry, which have lobbied for
six years to overhaul the nation’s bankruptcy laws, support the bill.

The American Bankers Association says the U.S. economy loses $40 billion
annually. And those losses are passed along to all consumers, the ABA says.
“Responsible borrowers should not have to bear the cost of irresponsible
people who can pay at least part of their debts, but choose to use the
bankruptcy code to escape them,” the ABA says.

“The credit card industry funneled $45 million into the lobbying effort [of
the bankruptcy reform bill],” David Goch, of the Commercial Law League, told
The Hill newspaper. “I can’t think of legislation in the last decade that
banks and credit card institutions have lobbied as hard and spent as much
money on,” said Goch, whose organization represents creditors’ rights and
bankruptcy professionals.

NO NATION OF DEADBEATS

Though bankruptcy filings are hitting records, they could actually be much
worse, according to research done by Michelle White, an economics professor
at the University of Michigan. White’s research shows that at least 15% of
American families could benefit from a bankruptcy filing, yet fewer than two
percent actually do.

Half of the 1.6 million households seen by the network of 1,500 Neighborhood
Financial Care Centers last year found themselves in trouble because of an
unexpected life change, such as divorce, medical emergency or layoff, the
non-profit group said. Those households had an average of 10 credit cards
and owed an average of 79 percent of next year’s gross income, which was
$25,000.

The idea that millions of Americans are running up credit cards and simply
tossing in the towel when the payments or collection agencies start making
life miserable isn’t an accurate picture of real life, said Gregory J.
Revord, a Munising, Michigan-based bankruptcy attorney.

“I think that’s hype, honestly,” Revord said of the typical consumer
bankruptcy characterization. Revord said he doesn’t see such abuse in his
practice.

“In the entire time I’ve practiced, I’ve probably had one client come to me
that I felt had improper motives and I refused to represent him,” Revord
said. “Most of the people have fallen on hard times.”

Revord blames the “predatory practices” of the lending industry for making
credit available to people that shouldn’t be getting credit in the first
place, such as giving credit cards to 18-year-olds. But he doesn’t lay the
blame solely at the feet of the lenders; however, their aggressive
solicitations don’t help the situation, he said.

“I’m not an advocate of unfettered spending on the part of consumers,”
Revord said. “I do believe there is a culture of reckless spending on the
part of consumers, I think that’s bred through all kinds of sources,” he
said. “But the banks certainly lend to that culture, literally.”

Indeed, the reform bill does nothing to reign in the relentless direct mail
marketing habits of credit card companies; some five billion credit-card
solicitations were made in 2001. The Consumer Federation of America calls
that practice a “reckless effort” by those companies to increase their
profits.

Credit-card companies incredulously bombard recent bankruptcy filers with
offers for new cards, Revord said. “I hear such stories from almost every
single one of my clients,” he said.

THE SQUEEZE PLAY

The most nefarious aspect of the pending bankruptcy reform bill is it’s
mainly aimed at ordinary families, making bankruptcy less appealing as a
means of financial relief while preserving loopholes for the wealthy, said
Elizabeth Warren, a Harvard Law professor and expert in bankruptcy issues.

For example, the new bill is aimed at pushing more people into the so-called
Chapter 13 bankruptcy filing — which puts the debtor under a court ordered
repayment plan-rather than Chapter 7, which wipes out most debt not secured
by a home or loan of some kind.

And there is a “means test” provision in the new bill, Warren says, that
disadvantages lower- and middle-income earners. In general, the means-test
process is more expensive and more of a hassle, creating more obstacles to
bankruptcy for those with less money, she said.

“Every consumer that files for bankruptcy has to put up past tax records,
file additional forms, go off to a credit counseling school, and pay more to
their attorneys because attorneys are obligated to fill out more forms,”
Warren said. This drives up the cost of bankruptcy by a few hundred dollars,
“which may not sound like a lot to you or me but if you’re only making
$19,000 a year and you’re in big financial trouble it may be enough to
squeeze some people out,” she said.

Now contrast that with a corporate executive that is being sued for fraud
has been shorting some stock or makes a bad real-estate deal and now owes
millions. Such people aren’t caught in the means test provision of the new
bill because “their debt is principally business debt,” Warren said, which
she said is exempt to means testing.

The bill also makes it harder for small businesses to reorganize under the
protection of bankruptcy. Businesses with less than $3 million in debt will
have less access to bankruptcy protection and reorganization and are pushed
more to liquidate under the new law, Warren said, “but for businesses with
more than $3 million in debt, it’s business as usual.”

The current bankruptcy system “was never written for times like this,”
Warren said, noting that scenarios brought to light by the collapse of Enron
and WorldCom were never anticipated. Corporate bankruptcy “was written for
companies like Braniff Airlines that expanded too fast and ended up having
to liquidate all of its assets to pay off its creditors,” Warren said.

Bankruptcy law doesn’t have “good tools” to recover money from the corporate
cheats the loot a companies coffers and exit with lucrative severance
packages, Warren said.

“Meanwhile, WorldCom has filed for bankruptcy and drastically cut its
severance packages,” said Frank Torres, legislative counsel for Consumers
Union. So while WorldCom employees are stripped of their health insurance
and left with a retirement plan worth next to nothing, those people “may
find it impossible to file for bankruptcy” under the new law, while the
company “is free to file for bankruptcy after it cooked the books and
cheated investors.”

I love an expert who knows nothing. If you do nothing after 7, 8, 9,
10...years your credit will still be bad. The fact is that the
reporting agencies are so burdened with daily additions that they have
no one working on the back end removing outdated entries.

If you don't believe me wait 7 years, pull a report, and see what has
changed.

anon wrote:
On 12-Feb-2004, "Corey" <frsmarketing@comcast.net> wrote:Heres a quick thought foryou. Our economy grows when people spend money. People dont spend moneywhenthey are so laden with debt that they have to rein in their spending tosimply survive. If those consumers are freed from those financialconstrains, they begin spending again, and then you get to move up fromheadbagger to a checker because the grocery store is making more money. (thatsavery simplified version, but I thougth it fitting for present company) What nonsense. A very small percentage of the public go bankrupt. God help us if our economy depends on it. Those who go broke are well protected without banruptsy. There's the FCRA, and FDCPA that assures that even if a consumer does nothing he will have clean credit in 7 years. If he follows what is taught at creditnet.com, http://debt-consolidation-credit-repair-service.com/phpBB2/ and other similar boards the will have excellent credit again in less than a year. And I'm not speaking in theory. I've done it. 20 derogatories off my credit within a year. I've done it for relatives and friends as well. If you file BK it's MUCH harder to clean your credit file and impossible to make a deal. You will have to disclose it every time you are asked, and public records will show it for the rest of your life. Read the article below. By Brock N. Meeks MSNBC WASHINGTON, Aug. 5 — Mix bankruptcy with scandal and fraud and you get a volatile cocktail of emotion and outrage that commands the national stage. The debate over how and when people and companies can resort to bankruptcy, fueled by the recent high-profile filings of Enron, WorldCom and Adelphia, has suddenly turned the spotlight on the rewriting the nation’s bankruptcy laws. And everyone, it seems, has a dog in this fight. CONSUMERS AND BUSINESSES are shedding their debt in record numbers. Bankruptcy filings in the 12 month period ending March 31 are up 15 percent from the same period a year ago, according to data from the Administrative Office of the U.S. Courts. The first quarter of the year saw 379,012 bankruptcy filings, the highest number ever recorded for a first quarter and the second highest number for a three-month filing period ever. Of those 369,237 were consumers; 9,775 were business-related. Stories of consumer and corporate cheats beating the system by abusing the bankruptcy laws are legion. There’s one-time corporate raider Paul Bilzerian who has filed for bankruptcy twice in Florida, the last time listing $140 million in debts. Yet Bilzerian is able to shield his $5 million home, which he once dubbed his “Taj Mahal,” thanks to a loophole in the bankruptcy laws that allow Florida residents an unlimited homestead exemption. That exemption is also permitted for residents of Iowa, Kansas, South Dakota and Texas. And remember the headlines surrounding actor Burt Reynolds when he filed bankruptcy claiming $10 million in debt but was allowed to keep his $2.5 million home? Or the couple that brought home a combined $3,200 a month yet ran up $237,000 on some 30 credit cards before they wiped it all out in a bankruptcy proceeding? And then there are the companies like Enron and WorldCom, where highly questionable, and possibly illegal, accounting methods pushed them to shroud themselves in bankruptcy, thus eliminating all shareholder equity while wrecking havoc with pensions and a myriad of smaller creditors, as major bondholders and banks jockey in court for the table scraps. Under the glare of such white-hot national attention, the House and Senate are close to final passage of a sweeping bankruptcy bill. The legislation languishes in conference committee where differences in the House and Senate proposals must be worked out. The bill nearly emerged for a vote last week but stalled over a last-minute dispute on a provision that would prohibit people convicted of violence against abortion clinics from using the bankruptcy laws to avoid paying fines. Supporters hope the bill will emerge from committee shortly after the summer recess. The White House has already said it would sign it into law. But consumer advocates, economists and attorneys question whether the bill actually does what its supporters claim: Make the bankruptcy laws “more fair.” Critics claim that the brunt of bankruptcy reform is born on the backs of those that can least afford it: Consumers in legitimate need of an economic safety net, and large corporations are largely untouched by the reforms while small businesses also end up with more burdens, bankruptcy-law experts say. No surprise, the credit card and banking industry, which have lobbied for six years to overhaul the nation’s bankruptcy laws, support the bill. The American Bankers Association says the U.S. economy loses $40 billion annually. And those losses are passed along to all consumers, the ABA says. “Responsible borrowers should not have to bear the cost of irresponsible people who can pay at least part of their debts, but choose to use the bankruptcy code to escape them,” the ABA says. “The credit card industry funneled $45 million into the lobbying effort [of the bankruptcy reform bill],” David Goch, of the Commercial Law League, told The Hill newspaper. “I can’t think of legislation in the last decade that banks and credit card institutions have lobbied as hard and spent as much money on,” said Goch, whose organization represents creditors’ rights and bankruptcy professionals. NO NATION OF DEADBEATS Though bankruptcy filings are hitting records, they could actually be much worse, according to research done by Michelle White, an economics professor at the University of Michigan. White’s research shows that at least 15% of American families could benefit from a bankruptcy filing, yet fewer than two percent actually do. Half of the 1.6 million households seen by the network of 1,500 Neighborhood Financial Care Centers last year found themselves in trouble because of an unexpected life change, such as divorce, medical emergency or layoff, the non-profit group said. Those households had an average of 10 credit cards and owed an average of 79 percent of next year’s gross income, which was $25,000. The idea that millions of Americans are running up credit cards and simply tossing in the towel when the payments or collection agencies start making life miserable isn’t an accurate picture of real life, said Gregory J. Revord, a Munising, Michigan-based bankruptcy attorney. “I think that’s hype, honestly,” Revord said of the typical consumer bankruptcy characterization. Revord said he doesn’t see such abuse in his practice. “In the entire time I’ve practiced, I’ve probably had one client come to me that I felt had improper motives and I refused to represent him,” Revord said. “Most of the people have fallen on hard times.” Revord blames the “predatory practices” of the lending industry for making credit available to people that shouldn’t be getting credit in the first place, such as giving credit cards to 18-year-olds. But he doesn’t lay the blame solely at the feet of the lenders; however, their aggressive solicitations don’t help the situation, he said. “I’m not an advocate of unfettered spending on the part of consumers,” Revord said. “I do believe there is a culture of reckless spending on the part of consumers, I think that’s bred through all kinds of sources,” he said. “But the banks certainly lend to that culture, literally.” Indeed, the reform bill does nothing to reign in the relentless direct mail marketing habits of credit card companies; some five billion credit-card solicitations were made in 2001. The Consumer Federation of America calls that practice a “reckless effort” by those companies to increase their profits. Credit-card companies incredulously bombard recent bankruptcy filers with offers for new cards, Revord said. “I hear such stories from almost every single one of my clients,” he said. THE SQUEEZE PLAY The most nefarious aspect of the pending bankruptcy reform bill is it’s mainly aimed at ordinary families, making bankruptcy less appealing as a means of financial relief while preserving loopholes for the wealthy, said Elizabeth Warren, a Harvard Law professor and expert in bankruptcy issues. For example, the new bill is aimed at pushing more people into the so-called Chapter 13 bankruptcy filing — which puts the debtor under a court ordered repayment plan-rather than Chapter 7, which wipes out most debt not secured by a home or loan of some kind. And there is a “means test” provision in the new bill, Warren says, that disadvantages lower- and middle-income earners. In general, the means-test process is more expensive and more of a hassle, creating more obstacles to bankruptcy for those with less money, she said. “Every consumer that files for bankruptcy has to put up past tax records, file additional forms, go off to a credit counseling school, and pay more to their attorneys because attorneys are obligated to fill out more forms,” Warren said. This drives up the cost of bankruptcy by a few hundred dollars, “which may not sound like a lot to you or me but if you’re only making $19,000 a year and you’re in big financial trouble it may be enough to squeeze some people out,” she said. Now contrast that with a corporate executive that is being sued for fraud has been shorting some stock or makes a bad real-estate deal and now owes millions. Such people aren’t caught in the means test provision of the new bill because “their debt is principally business debt,” Warren said, which she said is exempt to means testing. The bill also makes it harder for small businesses to reorganize under the protection of bankruptcy. Businesses with less than $3 million in debt will have less access to bankruptcy protection and reorganization and are pushed more to liquidate under the new law, Warren said, “but for businesses with more than $3 million in debt, it’s business as usual.” The current bankruptcy system “was never written for times like this,” Warren said, noting that scenarios brought to light by the collapse of Enron and WorldCom were never anticipated. Corporate bankruptcy “was written for companies like Braniff Airlines that expanded too fast and ended up having to liquidate all of its assets to pay off its creditors,” Warren said. Bankruptcy law doesn’t have “good tools” to recover money from the corporate cheats the loot a companies coffers and exit with lucrative severance packages, Warren said. “Meanwhile, WorldCom has filed for bankruptcy and drastically cut its severance packages,” said Frank Torres, legislative counsel for Consumers Union. So while WorldCom employees are stripped of their health insurance and left with a retirement plan worth next to nothing, those people “may find it impossible to file for bankruptcy” under the new law, while the company “is free to file for bankruptcy after it cooked the books and cheated investors.”

Corey wrote:
On 19-Jan-2004, "Brett Weiss" <lawyer@erols.com> wrote: I asked the bank about this and they knew nothing about this program and didn't sound like they were going to look into it. Any advice much appreciated, thanks in advance. If other options fail, one choice may be to file for a Chapter 13 bankruptcy. This will stop any foreclosure and give you up to 5 years to catch up the missed payments. I have written a Bankruptcy FAQ which should answer many of your questions about what is involved--it may be found at http://users.erols.com/lawyer/FAQ/br_faq.htm. Just keep in mind Attorneys are collection agents as well. Spammer Brett fails to mention he's probably involved in collections as well. Everything[SNIP TROLL DROOL]

Brett is not a spammer on this group. I've been reading this group for about
a year and he's helped a lot of people and provided valuable advice to
people in need -- and didn't bill anyone a cent for it!

Yes, according to his web site, he's represented creditors as well as
debtors. So what? He's never told anyone to pay up and eat cat food. He's
never steered anyone to shady debt consolidators, like you attempt in your
post. And, he's debunked myths people have about the bankruptcy procedure.

--
Never hitch your future to just one wagon because you can't tell which one
will go off a cliff.

anon wrote:

*PLONK*

--
Never hitch your future to just one wagon because you can't tell which one
will go off a cliff.

On 17-Feb-2004, John <spambegone@127.0.0.1> wrote:
Yes, according to his web site, he's represented creditors as well as debtors. So what? He's never told anyone to pay up and eat cat food. He's never steered anyone to shady debt consolidators, like you attempt in your post.

I would NEVER steer anyone to debt consolidators. They are collection agents
in disguise and so are lawyers. You have so many powerful laws to protect
you as debtor. Why throw those out the window by throwing in the towel? If
you have a house you just can't let go of or a hefty IRA or annuities then
Bankruptcy can make sense. But if you have those assets there's still better
ways out through negotiation. Collectors will take pennies on the dollar.
You just need to make sure that you have it IN WRITING that they will report
it PAID AS AGREED. But yes it's a lot of work writing letters if you're not
good at those sort of things, and no one but you will care enough to do it
right. And yes if you are too lazy to do the research there will be people
like Bret and consolidators to take your money and give you what you think
is an easier way out.

John:

Thank you for your kind words. The best way to deal with trolls is to ignore
them.

--
Brett

"John" <spambegone@127.0.0.1> wrote in message
news:RehYb.7661$hm4.4315@newsread3.news.atl.earthl ink.net... Corey wrote: On 19-Jan-2004, "Brett Weiss" <lawyer@erols.com> wrote: I asked the bank about this and they knew > nothing about this program and didn't sound like they were going to > look into it. Any advice much appreciated, thanks in advance. If other options fail, one choice may be to file for a Chapter 13 bankruptcy. This will stop any foreclosure and give you up to 5 years
to catch up the missed payments. I have written a Bankruptcy FAQ which should answer many of your questions about what is involved--it may be found at http://users.erols.com/lawyer/FAQ/br_faq.htm. Just keep in mind Attorneys are collection agents as well. Spammer Brett fails to mention he's probably involved in collections as well.
Everything[SNIP TROLL DROOL] Brett is not a spammer on this group. I've been reading this group for
about a year and he's helped a lot of people and provided valuable advice to people in need -- and didn't bill anyone a cent for it! Yes, according to his web site, he's represented creditors as well as debtors. So what? He's never told anyone to pay up and eat cat food. He's never steered anyone to shady debt consolidators, like you attempt in your post. And, he's debunked myths people have about the bankruptcy procedure. -- Never hitch your future to just one wagon because you can't tell which one will go off a cliff.