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Recent content by J'aimelescravates

New posts
  1. J

    Desperately Need some legal advice re: My Credit Report/Score

    lol ok..whatever Troll Umm. Car costs what - $20k? Of course, if you want a Bentley, it's different talk, but the average salary in for an amerikkan is like what - $28000 at age 25 to about $42000 at the age of 65??? Work, for a year, save $20k, buy a car - PROBLEM SOLVED. Same with house...
  2. J

    $500/month cash towards a car...what to do?

    Bump (Update): Thanks for all the replies. I was able to lease an Audi A4, nicely equipped for $505/month with insurance cost factored in. Nice! Excellent choice and enjoy your new ride
  3. J

    Things you should never cheap out on

    watches shoes wine yourself and your life skincare well health in general
  4. J

    Desperately Need some legal advice re: My Credit Report/Score

    Why do you care about credit score so much in Amerika? I mean, you could just, like, don't use credit at all. Credit is basically debt. Why would you be in constant debt? Just pay with what you have and don't take credit - problem solved. Wow some of you people are so damn judgmental it makes...
  5. J

    Desperately Need some legal advice re: My Credit Report/Score

    man I'm an idiot. I have no idea what this means. How can i tell if they've validated the debt or not? I'm absolutely marsupialed in this type of stuff and am trying to make sense of it. Have they sent you any paperwork indicating the amount owed, final statement, etc? Any FDCPA complaint responses...
  6. J

    Desperately Need some legal advice re: My Credit Report/Score

    Truly? So, after two years the debt vanishes? Or the ability to sue to seek payment ceases? The ability to sue for the debt ceases. Reporting will still take 7 years
  7. J

    Desperately Need some legal advice re: My Credit Report/Score

    They have failed to validate the debt at this point, period. Send them a cease and desist letter. Send a copy of the letter along with a dispute, CMRRR as John stated earlier, to the credit bureaus stating that they failed to provide proof that the debt is yours, they failed to respond to your...
  8. J

    Cars We Drive!

    I am leaning to the idea of painting my black cirrus which has creme interior. What would be the right color of choice other than not paint it at all? Don't do it! The car won't match the VIN and it has a negative affect on resale $. If you MUST do it, do it right and use OEM paint and have it...
  9. J

    Post pictures of cars that you like.

    Thanks Andre that's exactly how I learned to do it too. Just wanted to add also that I learned too to keep your thumbs from wrapping around the wheel. If you get in to a skid or crash and the wheel snaps around while your thumb is on the inside of the wheel, you could break it. It also makes...
  10. J

    Desperately Need some legal advice re: My Credit Report/Score

    You can get your credit rescored. I'm not sure about the specifics, but I've heard that there are third party companies you can hire to help you fix your credit report if there's a mistake or disputed item. I saw a report about it on tv. Google it. It's called rapid rescoring and is mainly used...
  11. J

    Desperately Need some legal advice re: My Credit Report/Score

    I am not an expert on this, and you need to do some research to find out for certain whether this is correct: Contact them and negotiate a payment in full with the agreement that they will delete ALL reporting of this account to the three credit bureaus. I think the term you are looking for is...
  12. J

    Best way to drink Coca-Cola?

    I agree, Mexican Coke in the bottle is the best. I haven't seen it at Costco or Sam's Club in Sacramento but they did carry it in Arizona. Some Mexican restaurants here carry it though. Ice cold Coca-Cola on a hot summer day is the best way to go! It's noticeably sweeter, right?
  13. J

    Results of a healthy diet experiment and cost

    Living in the country and not being afraid to get my hands dirty has it's benefits. For the most part I grow or kill everything I eat. In terms of quality I doubt anything you buy at the store/market is better than what I eat everyday and I know where all of it came from. Another benefit of...
  14. J

    Face Care

    Why do people want to rub harsh chemicals into their skin? Hot clean washcloth. Gentle rub. The end. That may be fine for you, but that doesn't mean that it is sufficient for everyone.
  15. J

    What do you hoard?

    lawyers guns and money. +1 Also headless Thompson gunners
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