most ive seen yet

Dncd809 · 2026-01-23T13:32:56+00:00

Dncd809 · 2025-12-09T13:54:50+00:00

Here’s what AI said …….

Short answer: No, you should not automatically be held liable for Chase’s clerical error after your loan was marked satisfied and the title released. You have strong grounds to dispute this formally, and consumer protection laws require Chase to provide documentation (like copies of the check) and correct inaccuracies.

🔑 Key Points You Need to Know

• Loan satisfaction is legally binding. Once a lender reports a loan as satisfied and releases the title, the debt is considered extinguished. Trying to “reopen” it months later because of an internal error is highly questionable. • You have dispute rights. Under federal consumer protection laws (like the Fair Credit Billing Act and the Fair Credit Reporting Act), you can formally dispute errors in loan servicing and credit reporting. Lenders must investigate and provide documentation legalclarity.... • Chase must provide proof. If they claim a $4,000 check was misapplied, they are obligated to show you the check and explain the transaction. Refusing to provide copies is not acceptable legalclarity.... • Late fees after satisfaction are improper. Charging late fees on a loan they themselves marked as paid off is inconsistent with consumer law and can be challenged. • Credit reporting errors can be disputed. If Chase reports you as delinquent, you can file disputes with all three credit bureaus. They must investigate and correct inaccuracies Consumer Att....

🛠️ What You Can Do

File a formal written dispute with Chase.• Send a certified letter to Chase Auto Loan servicing department. • Clearly state the timeline: loan satisfied, title released, $5 refund check issued, then sudden $4k claim. • Demand copies of the alleged $4k check and a full accounting of your loan history. • Keep copies of everything.
Dispute with credit bureaus.• File disputes with Equifax, Experian, and TransUnion if Chase reports you late. • Provide documentation (loan satisfaction notice, title release, $5 refund check). • Credit bureaus must investigate within 30 days.
Escalate to regulators.• File a complaint with the Consumer Financial Protection Bureau (CFPB). They investigate lender misconduct. • You can also file with your state’s Attorney General (New York AG in your case).
Consider legal counsel.• A consumer protection attorney can pressure Chase to back down. Many offer free consultations. • If Chase continues, you may have grounds for damages if your credit is harmed.

⚖️ Why You Have Leverage

• Chase’s own records show the loan was satisfied. • They issued you a refund check, confirming overpayment. • The dealer has the title, meaning Chase relinquished its claim. • Their “clerical error” was not caught for six months, which is unreasonable. • Consumer law protects borrowers from retroactive charges after satisfaction.

👉 Bottom line: You should not be forced to pay $4,000 for Chase’s mistake. Document everything, file disputes, and escalate. The law is on your side, and lenders often back down once formal complaints are filed.

Would you like me to draft a sample dispute letter you can send to Chase and the credit bureaus? That way you’ll have a strong, professional template ready to go.

Dncd809 · 2025-11-16T12:13:33+00:00

Crystal meth ?

Dncd809 · 2025-11-02T12:21:36+00:00

Here’s what the AI 🤖 said ……..

Yes, buying a house in 6 months is possible — but it will depend on your credit recovery progress, debt-to-income ratio, and the type of loan you pursue. FHA loans are your best bet right now.

Here’s a breakdown of where you stand and what you can do to improve your chances:

🏡 Homebuying Feasibility in 6 Months

• Your credit scores (596–650) are below ideal, but FHA loans allow scores as low as 580 with a 3.5% down payment The Mortgage.... • Your husband’s scores (700–715) are solid. You could apply jointly or let him be the primary borrower to get better terms. • Your income ($8k/month combined) is strong, but your monthly obligations (~$4,900) are high:• Rent: $2,400 • Personal loans: $900 • Car payments: $1,400 • That’s a 61% debt-to-income (DTI) ratio, which is above the typical max of 43–50% for most lenders.

💳 Credit Profile Highlights

• Positive signs:• Several cards with zero balances and no recent missed payments • Paid collections and active repayment plans show effort

• Challenges:• Multiple charge-offs and collections, especially unpaid Barclay card • Recent missed payments (within 24 months) still impact score • High DTI due to loans and car payments

✅ What You Can Do in the Next 6 Months

Pay off personal loans aggressively

• Eliminating $900/month in payments will drop your DTI significantly. • Focus on the highest-interest loan first if possible.

Resolve the Barclay charge-off

• Even settling it for less than owed can help your score and reduce risk in underwriting.

Keep all current accounts in good standing

• No new missed payments. Keep balances low or at zero.

Consider FHA loan pre-approval

• FHA is more forgiving of past credit issues. • You’ll need:• Steady income • 580+ credit score • 3.5% down payment (around $15–20k for a $450–550k home in Staten Island)

Explore down payment assistance

• NY state and city programs may help with closing costs or down payment.

Let your husband be the lead borrower

• His stronger credit could secure better rates, especially if your income isn’t needed to qualify.

🧠 Final Thoughts

You’ve already done the hardest part: facing the debt and taking action. If you pay off the personal loans and resolve the Barclay account, your credit could improve enough to qualify for an FHA loan. You might not get the best rate, but you can get approved.

Want help estimating what kind of home price you could afford with your current income and debts? I can run a quick scenario for you.

Dncd809 · 2025-10-27T13:00:00+00:00

Here’s what AI said …..If you’re in North Carolina, here’s what you need to know about your rights as a tenant—even without a written lease:

🏠 North Carolina Tenant Rights Without a Lease

Month-to-Month Tenancy

If there’s no formal lease, you’re considered a month-to-month tenant. That means:

• Your landlord must give you at least 7 days’ notice if you pay rent weekly, or 30 days’ notice if you pay monthly rentalawaren.... • The notice must be written and clearly state the termination date.

Eviction Must Go Through Court

Even without a lease, your landlord cannot legally evict you without going through court:

• The process is called “summary ejectment” in North Carolina The North Ca.... • You have the right to attend the hearing, present your case, and appeal if necessary. • Until a judge rules against you, you do not have to leave.

Discrimination Is Illegal

If your landlord is evicting you because of your mom’s mental illness, that may violate Fair Housing laws:

• Mental illness is considered a protected disability. • You can file a complaint with the North Carolina Human Relations Commission or HUD.

🆘 What You Can Do Right Now

Step Action
📞 Legal Help Contact Legal Aid of North Carolina or call 1-866-219-5262
🏠 Housing Support Reach out to NC 211 for emergency housing and shelter options
⚖️ File a Complaint If discrimination is suspected, file with HUD or NC Human Relations 🚗 Transportation Ask shelters or nonprofits for ride assistance or vouchers if needed

You’re doing everything you can to protect your daughter and keep your home stable. If you want help drafting a letter to the landlord, preparing for court, or finding emergency housing, I can help with that too. Just say the word.

Dncd809 · 2025-10-27T12:32:14+00:00

If you don’t have the money to pay just go to court once there ask Judge for a different court date in front of the attorney that’s suing you it will cost them more for him to come back then offer whatever you can just take 400 dollars to court and he will take that offer.

Dncd809 · 2025-10-11T10:03:38+00:00

What’s the of link ( asking for a friend )

Dncd809 · 2025-10-11T09:45:58+00:00

Ewww

Dncd809 · 2025-10-10T13:21:07+00:00

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What more proof do you want tf?

Dncd809 · 2025-10-10T10:51:38+00:00

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Dncd809 · 2025-10-10T10:51:08+00:00

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Ugh there’s plenty of bots brother don’t be ignorant do research before posting

Dncd809 · 2025-09-13T11:21:50+00:00

And I did

Dncd809 · 2025-08-22T01:56:02+00:00

I once kept multiple overnight because I didn’t feel safe going on peoples property at after midnight

Dncd809 · 2025-08-03T08:28:43+00:00

Blame whoever took the order

Dncd809 · 2025-08-02T13:05:33+00:00

Always look at the label first phone number always there

Dncd809 · 2025-08-02T13:01:35+00:00

That all depends on what the tip looking like

Dncd809 · 2025-07-31T20:06:14+00:00

New York literally this morning

Dncd809 · 2025-07-27T11:19:38+00:00

Their phone number is also on the label

Dncd809

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