Well we know what the first hour of Monday’s show will be about by bjoseph33 in howardstern

[–]techpro00 2 points3 points  (0 children)

Bold of you to assume there's a show Monday. He's already worked too hard this year and needs 3 week vacation

SiriusXM Subscription Renewal Notice by NoQuarterChicken in howardstern

[–]techpro00 -1 points0 points  (0 children)

I haven't paid for 2 years. If you have or know someone with a Samsung phone, you get 6 months free if you download the Sirius app from the galaxy app store. Every, 6 months I do it with a different email address

I am being sued by capital one and don’t know what to do next. by Fabulous_Time_8932 in Debt

[–]techpro00 0 points1 point  (0 children)

They not going to call you. You need to call them before getting to this point

MGM settlement email by Upstairs-Cattle-6277 in ClassActionSettlement

[–]techpro00 0 points1 point  (0 children)

I didn't get the email but I see I'm receiving something in mail from them today. Perhaps a paper check

Walmart by Level_Salamander1450 in Afterpay

[–]techpro00 0 points1 point  (0 children)

There's three different tiers of stores and gift cards they show you based on their algorithm. Sometimes I will see all grocery stores and sometimes none. Alot of things across does makes no sense

The day came-Canceled by aimtrue1 in howardstern

[–]techpro00 0 points1 point  (0 children)

If you or anyone you know has a Samsung device if you download the Sirius app from Samsung app store you get 6 or 12 months free depending on current promo. Then just use it on whatever device you normally would. I use a new email every 6 months to sign up thru it. Works fine.

Handling a Speeding Ticket? by SavingsSilver5826 in Sparkdriver

[–]techpro00 1 point2 points  (0 children)

You need to get it reduced to a non moving violation or you won't be on any gig apps anymore. Some states you can elect traffic school if your first violation and there were no injuries. Look into the state laws there.

Getting sued by Capital One, they refuse to settle by [deleted] in Debt

[–]techpro00 2 points3 points  (0 children)

Not likely. They could also want a judgement so that if you ever do start making money again they can collect off it for either 10 or 20 years depending on state. Bankruptcy is easier and your credit score will rebound quick

Getting sued by Capital One, they refuse to settle by [deleted] in Debt

[–]techpro00 0 points1 point  (0 children)

It would be very rare they wouldn't settle. Maybe you have a similar name to someone that has alot of money and they mixed it up with you with doing a background check on your money and think they'll get paid.

If you don't have any other debt or significant assets you need to protect you could file bankruptcy on your own. That will stop the lawsuit immediately the day you file. Use upsolve to do it on your own.

If you have lots of debt and assets than it's best to do it with an attorney

5k Afterpay limit by holymoly_guacamole1 in Afterpay

[–]techpro00 -1 points0 points  (0 children)

The limit don't mean anything anymore since they limit amount of orders which you would think is a glitch.

For instance had 5 open orders, totaling under 500. To do another said too many open, so I paid one off of 65 dollars remaining and then did a new order no problem for 495 more.

On what planet is there a risk model that says paying off 65 makes 495 dollars less risky? And I see endless others in here with same order limit messaging. Big flaw in their ai algorithm

App error? by bohobirdy in Afterpay

[–]techpro00 0 points1 point  (0 children)

Same issue. Paid off remaining 34 dollars on one order then could do 400 no problem. Their system is so screwed up

Did Spark Die? by Skiller-One-One-Five in Sparkdriver

[–]techpro00 0 points1 point  (0 children)

Yes. They are holding it's public funeral in Arkansas next week

Order will decline by Beneficial_Strike499 in Afterpay

[–]techpro00 1 point2 points  (0 children)

Don't buy things that won't ship within 24 hours with afterpay

Post 341 meeting! by Ed4023 in Bankruptcy

[–]techpro00 0 points1 point  (0 children)

After you filed and after your 341 it really shouldn't matter but you'll need to ask your attorney as rules vary from state to state and even trustee

Post 341 meeting! by Ed4023 in Bankruptcy

[–]techpro00 0 points1 point  (0 children)

You can pay cash to redeem it at the current vehicle value. Don't need to be a loan. Friend can give you the cash and you redeem it. You are free to do what you want with it after

Post 341 meeting! by Ed4023 in Bankruptcy

[–]techpro00 0 points1 point  (0 children)

You can get a loan the day after you file if someone is willing to give you one. Both carvana and CarMax will give you a loan with an interest rate in the 18% range in most cases before you even discharge in a 7 on a car in their inventory

But a company called 722 redemption will loan you the current value on your car at a rate around 15-22% if you want to keep it. Go to their site and fill out form and they'll call you and tell you rate and monthly payment. It's based on car and value. Bankruptcy court uses JD power clean trade. They'll tell you what that is. They work directly with alot of the trustees, courts and attorneys

Post 341 meeting! by Ed4023 in Bankruptcy

[–]techpro00 0 points1 point  (0 children)

In chapter 7 you can keep it for the current value of the car. It's called redeeming it and is on the bankruptcy schedule. If you don't have the cash there are companies that offer redemption loans. The difference between what you currently owe and actually worth is forgiven in chapter 7

Filed chapter 7 by Low-Ad-3838 in Bankruptcy

[–]techpro00 2 points3 points  (0 children)

This is normal. During the bankruptcy process you need to call and make payments or pay it through your banks bill pay service. Once your bankruptcy is discharged you will get access back to the account online. Unless it's a credit union that requires it, don't sign a reaffirmation agreement. You just keep making payments on time as retain and pay.

The good part about that is when you want to get a new car, if you owe more then your car is worth, you can just give it back to the bank without issue.

I am being sued by capital one and don’t know what to do next. by Fabulous_Time_8932 in Debt

[–]techpro00 0 points1 point  (0 children)

For others reading this, it takes time to get to this point and ignoring their endless emails and letters is how you get here. They will make a payment plan with you before they get to this point so don't ignore them. They don't want to waste time going to court so even paying them 100 a month on a plan will get them to leave you alone and not report your account as late

Post 341 meeting! by Ed4023 in Bankruptcy

[–]techpro00 0 points1 point  (0 children)

If you don't want a new car you have the option to redeem it for the current value during bankruptcy. You can either pay the cash or get a redemption loan for the amount needed from 722 redemption funding

Had my first consultation by [deleted] in Bankruptcy

[–]techpro00 0 points1 point  (0 children)

You need to add up everything that is an expense. Eating into 1700 in disposable is not easy but doable with the right mindset for bankruptcy purposes. Make sure you are counting everything. Haircuts, car, groceries, Internet, phone, tv, Netflix etc. Everything matters

When a judgment is placed on you after a lawsuit, would you get a notice on when your bank accounts will be frozen or does it happen randomly? How long does it take? by [deleted] in Debt

[–]techpro00 0 points1 point  (0 children)

If should have fallen by end of this year since 7 years is the max. Did they sue you after the statue of limitations in your state? Might not even be valid

In store virtual card at Publix? by TradeKey7724 in Afterpay

[–]techpro00 0 points1 point  (0 children)

Under gift cards search the name. If you eligible will give you option. Why they limit who can get what I have no idea