Settlement with Bank of America Not Upheld by Them

I just excepted a settlement offer from them and the woman I have been dealing with asked when I could send them the payment, I said as soon as I get the letter from you stating our agreement, she informed me that they no longer send those letters that their Atty has said that too many don't keep their end of the agreement ....so I told her that I still need something in writing, she said she would send me the letter through e-mail then after they recieve my check I will get the formal letter stating paid in full for less than the amount along with the 1099. I will be sending a cashiers check on the memo it will state "cashing this check constitutes payment in full on acc#....per settlement" Do you think this will be enough for me to have for proof

Louise, I've been trying to settle with B of A for some time now. I was offered a settlement amount back in March and at the time couldn't accept it. Now I'm in a situation where I could settle but now they won't offer the settlement anymore. I think they might if I went past due again by months (lost my job...). After 25 minutes of a very circular conversation with a rep on the phone, she sort of admitted that if I were to go past due again for some number of months they may settle. I really struggle with their way of doing business...

Please don't answer this if I'm asking too much, but how were you offered a settlement?

Also, in my experience with B of A, I wouldn't feel comfortable sending off a payment without some written proof that they were settling. I'd be afraid of them just applying the payment against your account and not settling it. But that's just my own very unofficial thought.

I am in a similar situation...I got a settlement offer for 50% of the 23k account (consolidation loan) and was told I have 92 days to pay and asked for some type of payment arrangement I could make with them until I could save up enough to pay the whole thing off. I have a good faith for $50/m right now and was told today that it wasn't going towards the settlement offer but rather the whole account and that there was no record of the offer. They keep referring me to a credit counselor but I am under contract with someone else so it is going to make things difficult...I have told them time and time again that I understand my obligation but need help with payments until I am in a position to pay more....I am really mad b/c today they said they have no record of an offer and b/c they would work with me before this all started or will help with the payments

I still have the letter as does the debt settlement company I have retained...I have also kept track of my contacts / communications for the past few months and have sent copies to my settlement company so they have a copy and no one can try to pull the "you just made it up" game. I was talking to them the other day after being transferred from them to a credit counselor who was very helpful (I think she said that they can't do too much if they are taking money from me but that I should try to work out an arrangement with them). I talked to the company I retained and worked on a possible offer for them (based on the offer BoA gave me) for like $250/m for 12 months and then around $600 for 14 months since next year I will have a lot more funds available but was told after checking with the negotiators that Bank of America is only allowing 4mo to pay on a settlement . . . while I can kinda understand why they are limiting the payback time I am frustrated b/c I have been extremely polite and told them I wanted the settlement and was aware of my obligations but that I could only afford so much right now (I still haven't gotten written confirmation of what I arranged for the $50/m despite repeated requests).

I would like them to work with me but I am not sure what I can do to facilitate this so tips are welcome . . . also I have contacted the FTC to file a complaint (actually was a question but they filed it anyway) about them not sending the info I requested in writing and are trying to back out of the arrangement and I have to update it since they seem to have forgotten about the settlement offer too.

nothing from the FTC yet but I also have to file a complaint with my local consumer thing (Virginia Dept of Agriculture and Consumer Services) as well...the whole things is sketchy and I keep hearing things about them from others and theinternet so at least I know I am not alone :-)

I spoke to a rep at B of A yesterday and have been offered a 30% settlement. She informed me that my current balance of $22,000+ could be settled for a total of $6884. I must phone in a payment of $688 no later than 1/31/2010 and I will receive a settlement letter within 4 days (or it can be faxed to be sooner). I would then have 4 months to pay the remaining settlement. She also told me that if I do not get the settlement letter or decide that I wish to back out of the agreement, all I need to do, is call and cancel the $688 payment and that will credit my bank account. Has anyone received this same offer and if so, did it work for you.

Once you make the verbal agreement to the settlement if you find you can't make the agreed payments they will turn it over to an collection agency. If you have to change one of the payment amounts they will work with you but the last payme due can not be more then the last monthly installment payment agreed upon. Good Luck and the 30% settlement is a good one, I only got 50%.

here is a tip for all you who are getting settlement offers...

1) Your credit is already screwed if you are getting a settlement letter and you basically gain no benefit in paying it.

2) A settlement offer of say 30% off is tiny. Trust me. You will later get ones for 50% 60% then 80% all the way up to 90% off. Yes if you owe $100,000, the bank (or more likely the company who purchases your debt from the bank for pennies on the dollar) will settle for $10,000, especially if your not answering your phone when they call.

3) You will recieve a tax form for the difference between what you owed and what you settled for.. That means you are exchanging a debt to the credit card company who has limited means to collect.... for a debt with the IRS who is not very forgiving about not being paid come tax due time. so you better hope you dont fall further into financial chaos before you pay your next taxes.

4) paying off old debt will kill your credit FOR ANOTHER 7 YEARS from the date of payment as its an new activity on the account and re-affirms the debt and starts the clock over on your credit report. So lets say You owed for 4 years.. it would be off your credit report in 3.. now that you pay it.. the initial default is brought back to current staus and has a much larger weight on your credit report and will stay for an ADDITIONAL 7 years.. so now you have screwed your credit for a total of 11 years.

5)Its is almost NEVER a good idea to except a settlement offer...consult an attorney before doing so. IT will not help your credit at all and it will actually likely harm it. The only exceptions that I know of are if you are applying for a home loan and the bank requires you to pay off all debt as a condition of the loan or you have alot of assets that are not mortgaged and the bank can sue you for it..or the debt is only a couple months old. and you pay all your other bills.... call a lawyer before accepting a settlement offer from a collections agency.

good luck.

They will likely not delete the tradeline on a valid debt you paid on. they would be violating the there agreement with the credit agencies to provide valid accurate info and risk not being able to list debtors with them ever again.. they will not risk that priveledge to collect one debt.

They will mark you as settled on your CR.. which as any future creditor will know.. it means the original creditor got screwed out of at least some of thier money probably most of it.. No creditor is going to say.. oh thats cool.. you paid some of it I forgive you and Ill give you a second chance.. unless maybe its a buy here pay here car sales place or payday loan place at 30% and up interest.. otherwise.. you may as well just have the collection on your CR thats been aged at least.

as my post said.. almost never.. not never. there are always exceptions.

unless the amount is alot... they most likely will not even seek judgement.. If they do.. and you happen to live in a state with a long judgement period or sol.. then you just declare bankruptcy... because if your broke enough you didn't pay your bills in the first place its prob gonna be chapter 7 and all judgements go away with bankruptcy..

most of the time they will talk the talk but not bother filing. Its pointless to sue someone who is broke and unjudgementable.. they are just wasting more money for a likely worthless piece of paper or for you to then file for bankruptcy a month or a year or two after they get the judgement and have the judgement vacated by the bankruptcy..

again, If you are paid up on your house or car completly.. you may have to weigh things differently. but if thats the case.. you prob would have gotten a mortgage on the property to pay your bills in the first place.. again, Im not a lawyer. I just suggest anyone seek legal council before even speaking with a collection agency as any promise to pay or even admitting fault can "reset the clock" so to speak. alot of states the sol is under 5 years for a judgement.

also keep in mind.. most of the money they are taking off your balance is only interest anyway. just my opinion.

A pay for delete is a hail mary pass that most collection agencies will not do for the reasons I list in my last post. You are basically asking them to collude with you to provide false information to a Credit report agency / remove accurate info. even if the collection agency removes it you still have the orig debt chargoff from the originating bank on your report.. and they wont do it. you may get the originating bank to remove a month or two late reporting.. but they are likely not going to clear up one thats into collections, settlement process.

If they accept the money and remove it when you are disputing its yours or stating the possibility it is not yours they are likely committing fraud and have a responsibility to validate the debt. either on you by excepting money on a possibly innacurate account. or to the CRA. show me some stats on how often these letters actually work. again.. speaking with an attorney will help.

If you settle or make a payment arrangement.... the clock does restart in some cases..look it up.

Plus you over look the fact you now have a hefty IRS debt. The more you "save" the higher taxes you owe.. I dont know about anyone else.. but I would rather owe a bank then the IRS..you cant go to prison for owing a bank.

lastly, I don't advise anyone about anything.. I say see a lawyer..
thats always the best option. listening to anyone.. especially on a credit repair forum isn't the best idea.. talk to a legal expert. Credit repair agencies are mostly scams...or things you could do on your own for free with little effort and a google search.

I had the same kind of offer from B of A. I actually thought it was taken care of, until today. It seems that when I paid the final payment of 10,811.00 over the phone by giving them my bank information, their check was rejected by FedLine. (not actaully my bank). The check was returned to them as FedLine thought it was fraudulent check as I never signed it, (Of course not, it was done over the phone). Now BofA won't settle. They say that it is past the deadline. And of course of the offices are closed becasue of the snow back east. They also say that the check was returned for NSF, which I proved to them was not the case. I had no control over them sending a check to my bank to get the money. I acted in good faith. It is funny, they could call and hound me to death when they wanted money from me originally, but after they had the money( or so they thought), they couldn't call and let me know there was some kind of problem.

Make sure they get their payment, and make sure you have all the paperwork, in writing, and I think you will be ok.

They did send me a letter outlining our agreement before I made the payments.

'I felt like man or woman had ripped my heart out'

RelationshipsdatingTwo Australian women reveal what it's like to be 'catfished'IMAGINE falling fond of someone online, Only to find out they're someone totally different in real life. Two women reveal what it's want to be duped online.

Australia first online crime credit reporting network launched in latino dating November last year, And already 13,000 reports have been registered.

So who are the people that fall victim to online dating services scams, And precisely does it happen?

We spoke to two women who were deceived online about the true identity of their romantic partner.

For both most wives, It was only when they started watching MTV extremely acclaimed reality series Catfish, then they realised something wasn quite right.

SUSANNAH BIRCH. 28. Toowoomba, QLD.

When she was 15 years, Susannah started talking to someone she believed was a 17 year old boy in an internet chatroom meant for teenagers. They communicated on and off for 12 years before Susannah found out about his true identity. She been hitched to her husband, distinctive man, For eight countless.

Hit it off straight away. several individuals in the chatroom were American but I discovered that he lived in the same state as me in Australia about 10 hours away. We chatted on the internet on the phone. He was a bit my secret online boyfriend.

He didn mask his speak. He had an Irish accent and he also had one of those voices where you should really tell the age. It was halfway between sexy and feminine. So it was very easy for him to surpass the age he claimed to be.

We by all odds spoke about meeting up a lot. however when you a young teenager, It normal when someone says, I got to go to school or too young or don have a car He claimed he went to university in Brisbane and this was one of many ways I believed we would meet. He continued saying, Too busy with work and school and uni He always made reason.

But he proposed to me when I was 18 and I was overjoyed. i had like, Something going to happen! Then two weeks later we had a fight and he said we were over. Then he tried to get back with me and that whenever I said, that far. We done I met my better half not long after that, But we never really cut ties.

We stopped mentioning for maybe a year, But we always got on so well and he said, Could certainly friends, Because you the only person I can talk to who truly is aware me We still chat on the phone for years afterwards, golf club back slowly very recently. I had queries, But I pushed them away.

which i thought he was lying to me about something. Maybe he didn have a fancy job like he said he did, Or he hadn gone to university something he was embarrassed about.

There were all this that just never quite added up. I Googled him and dug him on Facebook. however hard I looked I could never find a trace of him, But I also could never find everything to prove he wasn real. I didn think everything he had every told me would developed into a lie.

Susannah Birch had her throat cut by her mother when she was a child. I very sentimental, I get excited about things more easily and buy into things. I had an abusive mother. She attempted to kill me when I was a child. So I suppose I was more susceptible.

I never heard of the term until last year. I watched a few episodes of the TV series Catfish and it helped me realise that there could be some other ways to find out if this guy was real or not. They said they could track down anyone with a small amount information and it only cost me $30. I sent them some photos of this guy and his email address contact information that all. They tracked down his real Facebook account and they also found the school he went to in Ireland in the 1960s. Using the photographs I sent them, They found he was sending me photos of one of his facebook or twitter friends.

Because he sent me so many photos and they were all absolutely consistent, I predicted him. I rang his work phone and it went to voicemail it was the same voice but very good name. I went cold all over when i discovered. I rang him and faced him and I haven contacted him since.

I believe he has at least three grown children and grandkids and he now in his early 60s. When we started talking he would come in his early 50s.

I haven went after any legal action. I still feel like we had a warped connection. I think if I had met him when I was 20 years old he would have been a good friend and mentor.

I usually miss him, But more often than not, completely no. It made me look at the friendships I have with real world people I have around men and it made me realise that they a lot more important to me than some guy by going online. johnson. 32. sydney, nsw

Kylie started communicating online to a man she thought was her dream guy in 2012.

Got to a point where my life was so busy that physically visiting meet people was just not something I could do. So I seriously giving the online dating thing a go.

I got emailing this gentlemen. suitably, i thought overall he was a gentlemen. i realized he was my soulmate. He was the united states Army, But he was based australia wide.

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Gay church prays for european Kenya ruling

A lesbian church leader lights pink, white-colored, And purple candles and passes them around to worshippers as they pray for a court decision that will mean they no longer have to live a lie.

"The Lord is responsible, states, As swaying congregants shout out "glory, And a musician shuts his eyes in prayer, His fingers dancing across a keyboard laid on a table engrossed in a rainbow flag.

The modern Affirming Church (CAC) Is a rare space where Kenya's LGBT community can escape hostility from society, Which is often reflected in hatred and vitriol from christian pulpits.

Dozens of LGBT churchgoers and their allies crammed into a tiny room Sunday to worship ahead of Friday's actually historic decision by Kenya's High Court on whether laws that criminalise homosexuality are unconstitutional.

"When this law is struck down it may be a huge kind of liberation for us, Like a burden has been grown our shoulders, Said brian Ochara, Who been very useful for found the church in 2013.

'Police of our own bedrooms'

Kenya's colonial era laws echo those in more than half of Africa's countries, Where homosexuality is illegitimate. Being gay can even resulted in the death penalty in Mauritania, Sudan, Northern Nigeria and features Somalia.

One section of the penal code says that disposition "Carnal working experience. from order of nature" Can be jailed for 14 years, While another often see one land in jail for five years for "Indecent habits between males,

"The law specifies 'in public or private' which essentially allows police to enter our bedrooms to look at these crimes, told me Eric Gitari, The co founder of the National lgbt Human Rights Council (NGLHRC), some of the petitioners.

Imani Kimiri on the NGLHRC's legal team, Told AFP her office taken care of 15 prosecutions under the laws in 2018, But cannot recall the last conviction slamming doing this as "Just an irritating endeavour,

appearing in 2014, A government report to appease parliament's anti gay caucus reported some 600 prosecutions over many years.

alternatively, Gitari said 70 percent of what you previously "Conflated" And some ended up being cases of child rape, Bestiality or even traffic accidents.

the key fear is the persecution that the laws allow.

"boost law you fear blackmail, You fret about extortion, You fear violence. since there is no law protecting you, And legal requirements is against you, expressed Arthur Owiti, Who plays the keyboard in church.

Blackmailed by by going online dates

The NGLHRC in 2017 recorded an increase in instances where people using online dating applications such as Grindr end up being blackmailed or extorted, Often by organised gangs who work with the authorities.

"when you are getting a date online you have to ask them security questions so you don't fall into a trap, suggested Owiti.

And individuals who are blackmailed, Evicted, fired, Expelled at school, Or assaulted over their sexual alignment, aren't able to access justice because it means "Confessing to against the law, supposed Gitari.

While Gitari take into account recent court decisions as cause for optimism, Most activists agree that even if the court rules in their favour it will be tied up in appeals for the near future.

In March last year the High Court banned forced anal testing of men supposed of being gay.

And in sept a court ruled that "Rafiki" (friend), A film about a lesbian romance, Could be scanned for seven days after its initial banning.

africa precedent

Kenya's decision could reverberate purchasers continent, Where several countries are facing challenges to similar legal procedure.

Mozambique minted down anti gay laws in 2015, And Angola decriminalised homosexuality in present cards. Botswana is anticipated to hear a case against its laws in March.

"The law is probably means of changing society, alleged Gitari.

"Politically there is a chance for girl in spanish African states to assert themselves in their grounding of justice which is including LGBT persons without necessarily having to give in to political pressure, and is also external,

within court case, Local experts testified on bicycles of homosexuality in Kenya often decried as a colonial import by politicians and also leaned on a decision decriminalising homosexuality in India last year.

Why Charlottesville classes were closed

The yellowed newspaper clippings at the Albemarle County Historical Society show two dark-colored brothers arriving for the first day of school on September 8, 1959.The Daily Progress testified to "No trouble" On this significant day, As three dark-colored youths became the first to integrate Charlottesville's Lane High School. As the boys pretty girl in spanish came out, One white student reportedly leaned out a window and yelled, "Here they are available, The publication noted, "No cat calls were over heard,and that is not how John Martin remembers it.He was key boys. Fourteen yrs. old and in the 10th grade, He arrived in reference to his brother, brian, 13, to enrol French Jackson, 12,They told us to visit a rear door, He recaptures. "It was closed. Then we went up to the front like we were supposed to,individuals were lined up there screaming names, Calling all sorts of names: 'Nigger, return home.' 'Go back with your kind.' 'Stay out of the my daughter.'"if that's the, It had not been Charlottesville's finest hour.Charlottesville in the 1950s was a place where African Americans sat in the balcony at cinemas such as the Jefferson and the Paramount, aforementioned of which had its own "displayed" entrances on Third Street NE. They visited segregated black schools: Jefferson girl in spanish Elementary and Jackson Burley high school.Job ways included positions as domestics, Porters, And waiters. in order to then NAACP president Eugene Williams, Black doctors didn't have privileges at UVA, And black teachers weren't paid the same as their white counterparts.And if an black wanted to sit down for a burger and shake at the counter at Woolworth's, perfectly, He or she would be in for a al all long wait.on 1954, Williams was a 26 year old district manager for Richmond Beneficial insurance corporation. that can year, His first as president of the local chapter of the national Association for the Advancement of Colored People, member's program soared from 65 to 900, and just 1,500 the second year.In the segregated Charlottesville coming from 1930s, Williams had to walk by Midway graduation on Ridge Street (Now the site of Midway Manor pensionable home) to go Jefferson for grades 1 11 (12th grade wasn't added to Virginia schools prior to the late 1940s).subsequently, He sat in court when whites tried to steer the judge that black schools were good. "Why weren't any white children going to these schools if they were so good, He requests.With NAACP legal Oliver Hill, Samuel Tucker, And Spotswood johnson who later became a judge Williams fought to end segregation.The NAACP began seeking families to join a lawsuit from the Charlottesville School Board to integrate the city's schools. When only 11 familys could be found, Williams' wife, Lorraine, a teacher in a move he calls "daring" wanted to join,He took a daring role as leader, Says start mayor Francis Fife. "Eugene knew somebody had to make it,But some whites deliberated Williams a rabble rouser,I'd seen him as 'that Eugene Williams,' as if he was causing troubles, Says activist Jane promote. "He wanted integration. He put his daughters at risk,My father was able to be as forceful as he was because he had a black business with one of the largest black insurance coverages, Explains a kind of daughters, Scheryl Williams Glanton. "Others were can not do that because of who signed their paychecks,Eugene was one of the men in town who made integration successful, declares George Tramontin, Who became Charlottesville schools superintendent in 1963. "He is not as recognized as so many others because the work he was doing was behind the scenes. Eugene's the person,If the atmosphere was tense when John Martin listed Lane, Things had been sufficiently quieter a year earlier, Thanks to Governor Lindsay Almond's order to shut down Lane and Venable Elementary in nov 1958. The schools stayed closed for five months rather than comply with a federal court order to admit 12 charcoal children. this led to how the Supreme Court's 1954 landmark Brown case played out in Charlottesville at least initially,When brownish v. Board of university education came out, tells me Eugene Williams, "It didn't mean school boards around the world said, 'How do we abide by?'"Many waived to comply, particularly in Virginia. Senator Harry f. Byrd, Virginia's General Assembly in order to fight the Supreme Court's rejection of the separate but equal doctrine that had kept the South segregated since 1896.The laws the installation passed, usually "Massive a level of resistance, Allowed the governor to close any school where black or white pupils were enrolled together.The Virginia supreme court ruled massive resistance unconstitutional in 1959, But during the intervening three years, Thousands of african american students suffered.Lane and Venable were closed until feb,march 4, 1959. The remaining portion of the city's schools remained open and segregated that year.Those two schools began heading toward closure after black parents petitioned for exchanges to white schools in October 1955. When the institution Board denied their petitions, which they sued.

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place to start Music

main thrust PLAYLIST FOR 5/4/12

beginning was live from Atlanta this morning, But Anita Baker was back in indiana to kick off her new tour. She stopped by to speak to Soledad, Who dedicated her entire Friday playlist to the singer. You got word "Giving the finest That I Got, as well as

Former mayor of Atlanta beautiful girl in spanish Shirley Franklin joined the panel and played very first American Idol's best selling single of her ten year career. His choice your playlist was

Former Real Housewives of Atlanta star DeShawn Snow was another panelist and got three of her your favorite music on the playlist:,, and furthermore

last of all, Christine Romans' contributed a couple of playlist songs this morning, starting with. and also, in honor of all the Star Wars fans out there, Christine played the movie's. May the fourth be in your wallet!

Today Starting Point playlist kicked off with some wishful thinking from Christine Romans:

SP panelist Abby Huntsman was in a Maroon 5 mood this morning. First up was the band current single the hit collab with Wiz Khalifa that your band debuted on The Voice and currently sits at number 3 on the Billboard Hot 100. Up next was the group Grammy nominated hit Hands All Over. Abby also strayed very from Adam Levine and co, playing golf

Columbia institution professor Marc Lamont Hill was on our panel today and brought a couple woman in spanish of classics with him: MC Lyte ground-breaking

will definitely Cain, As widely seen, Gave us a country vibe today, With The Marshall Tucker Band Celebrity Apprentice star Dayana Mendoza seemed on today show, And forked out a couple of picks for our playlist: And beginning point, due to Louisiana current governor Bobby Jindal. Special businesses Command in Afghanistan, Stopped by start and began the playlist with. The song was almost scrapped when the band was trying to select the tracklisting for the "X album because of recording rrssues. Lead singer Chris Martin said that if it was finally mixed properly, It seemed "brilliant,

next choice was panelist Meredith Baxter's. She selected. The 1999 song had huge victory, and was the last 1 song of the 20th century. Meredith also played a SP playlist most wanted,.

Will Cain's playlist added in ; It was the most efficient single any of the KISS members released as solo acts. Will's other song choice during was.

Christine Romans woke everyone up with her charitable contributions to today's playlist. firstly was, Which sold 7 million units last year, Making it the band's more popular song to date. Christine also played a common British dance song from the 1980s.

Governor Tim Pawlenty brought Bruce Springsteen back to the SP playlist with The popular song was already released in 1973 and is a fan favorite at live shows. And is just over seven minutes in length.

Was John Fugelsang's music selection today. The 1992 single did well on the charts when it was already released and has remained in the minds of pop culture enthusiasts. It was mentioned in an episode of yank Dad when a character was dressed as a bird; The song is about not treating the homeless this way because of how they look. Up first was previously. It was just announced that the band will be part of the merrymaking events at the Olympics this summer. Christine next prefer was, Which can be on the soundtrack to the new Hawaii Five 0. will picked

Tom Waits made political comedian John Fugelsang playlist this morning, severe as Me. John also preferred the

snowboarding legend Cal Ripken Jr. The 1987 number one hit also made the in business Stone best of list, And is one of U2 most famous songs. Christine also preferred

Jay Z and Kanye West delight in the Throne was Steve Perry playlist pick today. The album from the two rap giants was common successful releases of last year.