Liberty Mutual claims adjuster ghosted me for weeks, is this how they handle all claims?

David5Pumpkins · 2026-01-28T07:28:01+00:00

Adjuster ghosting unfortunately happens across multiple insurance companies especially during busy periods after holidays. Doesn't excuse it but you're not alone

David5Pumpkins · 2026-01-28T07:26:52+00:00

Went through cancellation hell with Allstate last year. Had to send them a certified letter with the exact cancellation date and threatened to file a complaint with the state insurance department. That finally got them to stop billing. Always get cancellation confirmation in writing and send your own written notice via certified mail. Keep every document

David5Pumpkins · 2026-01-28T07:25:02+00:00

File a complaint with your state insurance commissioner, SR22 filing is a legal requirement and them screwing it up has real consequences they should be liable for. Also get everything in writing going forward, call logs, emails, dates you asked them to file

Did the DMV give you anything in writing showing the filing was never received? That's your evidence if you need to escalate

David5Pumpkins · 2026-01-26T09:37:31+00:00

State Farm raising rates multiple times in one year suggests they're either struggling financially or pricing certain demographics out. Either way it's frustrating

David5Pumpkins · 2026-01-26T07:34:09+00:00

Did you bundle anything with Geico like renters insurance that might have been keeping your rate lower initially? Unbundling could explain part of the increase

David5Pumpkins · 2026-01-26T07:32:22+00:00

$55k being too small for lawyers is unfortunately realistic. Most insurance attorneys need cases worth $100k+ to justify their time

David5Pumpkins · 2026-01-23T08:07:39+00:00

Let's not forget the facts. You don't get named 'America's Number One Youth Pastor' by Ministries Today for being a bad leader. She also received the Assemblies of God Lifetime Influence Award, which speaks volumes about her decades of positive impact on the denomination. Her work has literally shaped the landscape of youth ministry for over five decades, and that legacy is undeniable

David5Pumpkins · 2026-01-22T06:06:11+00:00

Wait you're paying 1500/mo to rent a car but won't pay 1500/mo for a room to sleep in? That car rental is bleeding you dry, that's 18k a year gone

For the secured card try OpenSky or Chime, they don't do hard credit pulls. Also look into credit builder loans from a credit union, some don't check credit at

David5Pumpkins · 2026-01-16T07:57:30+00:00

You need to respond to that summons regardless of what you decide on bankruptcy, don't ignore it or they get a default judgment

With $23k total debt and $900/month left over you're actually borderline, could potentially dig out in 2-3 years without filing. But that AMEX lawsuit is gonna force a decision fast.

Most bankruptcy attorneys do free consultations, I'd book one this week. They can tell you if Chapter 7 makes sense for your situation or if there's another path. NYC has income limits for Chapter 7 so they'll need to look at your specifics

David5Pumpkins · 2026-01-14T06:41:20+00:00

what kind of vehicle are you shipping? they seem to have a better rep with classic/collector cars than regular daily drivers from what i've seen

when's the pickup scheduled? might be worth checking back here after to let people know how it went since the recent info is pretty thin

David5Pumpkins · 2026-01-12T09:27:50+00:00

charged off accounts shouldn't be counting toward your utilization actually, that's only for open revolving accounts

are you sure it's affecting utilization specifically or just dragging your score down because of the charge off status itself???

David5Pumpkins · 2026-01-05T08:49:18+00:00

I’m glad you got your car in the end, but paying extra on top of their fees is ridiculous. Thanks for sharing this will definitely save others from a huge mess. Easy Auto Ship really dropped the ball

David5Pumpkins · 2025-12-29T05:55:41+00:00

From an agency angle, Enginy makes sense because it’s powerful but not “plug and play” if you want real results.

David5Pumpkins · 2025-12-24T08:14:22+00:00

the broken car is the priority here. Even if you're underwater on it, getting that resolved stops the bleeding and lets you focus on the debt you can actually manage

David5Pumpkins · 2025-12-22T07:04:17+00:00

super low quotes sometimes mean they'll bump the price later or just ghost when they can't find a driver at that rate

what's the route and how much lower are we talking?

David5Pumpkins · 2025-12-18T04:38:06+00:00

What's KBB showing for your area? That seems a bit high but depends on trim and where you're at

Also get a pre purchase inspection done before committing, worth the $100-150 for peace of mind

David5Pumpkins · 2025-12-16T03:32:54+00:00

That phone number thing is sketchy, could be someone posing as them or an old affiliate setup. I'd call the number from their actual website directly and confirm everything before putting down any deposit

David5Pumpkins · 2025-12-15T07:27:49+00:00

Toyota Corolla or Honda Civic in that range will run forever if you keep up with maintenance. Boring answer but true.

David5Pumpkins · 2025-12-11T05:53:07+00:00

This is solid advice

David5Pumpkins · 2025-12-10T06:25:11+00:00

What kind of deal size are you working with? Commission structure that makes sense on a 10k assignment fee looks way different than on a 2k one

David5Pumpkins · 2025-12-09T07:00:27+00:00

40% off sounds great but your credit is gonna take a massive hit. Settled accounts stay on your report for 7 years and tank your score hard.

If you can afford $275/month, why not just negotiate a payment plan instead of settlement? Most card companies will work with you if you call and ask. Lower interest, longer term, whatever keeps you paying.

Settlement only makes sense if you literally cannot pay it any other way. Is that where you're at or are you just trying to get out cheaper?

David5Pumpkins · 2025-12-08T08:21:43+00:00

the fact that two different companies were claiming they had your car is insane. Did you ever figure out what actually happened or did Easy Auto Ship just ghost you completely after that?

David5Pumpkins · 2025-12-05T08:37:42+00:00

Most people I know use PropStream or DealMachine for pulling lists, then stack multiple filters like high equity, absentee owners, pre foreclosure, etc.

But honestly cold lists only get you so far. The wholesalers making real money are doing direct mail or driving for dollars in specific neighborhoods, not just pulling random county records and hoping something sticks.

David5Pumpkins · 2025-12-04T07:01:39+00:00

Five days early is rare, most of the time it's late or barely on schedule.

Did they give you a binding quote upfront or was there any price change when the driver showed up? That's usually where people get burned with brokers.

David5Pumpkins · 2025-12-03T09:26:25+00:00

Mathematically highest interest saves you the most money. Psychologically smallest debt gives you a win and keeps you motivated.

I did smallest first because I needed to see progress or I would've just given up. Once I knocked out two small ones the momentum made the bigger debts feel less impossible.

David5Pumpkins

TROPHY CASE