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    Tuesday, August 25, 2020

    Home Unlabelled Personal Finance 'Chase Bank' told that I missed payments and they sent my debt to a collection agency even though I paid $2000 for a settlement agreement.

    Personal Finance 'Chase Bank' told that I missed payments and they sent my debt to a collection agency even though I paid $2000 for a settlement agreement.

    August 25, 2020

    Personal Finance 'Chase Bank' told that I missed payments and they sent my debt to a collection agency even though I paid $2000 for a settlement agreement.

    'Chase Bank' told that I missed payments and they sent my debt to a collection agency even though I paid $2000 for a settlement agreement.

    Posted: 25 Aug 2020 05:25 AM PDT

    Chase Bank informed me, via mail, that due to missed payments, they sent my debt to a collection agency even though I paid them a $2000 settlement.

    I signed up for a credit card in college via Amazon for Chase Bank. When I had a job it was fine until I got unemployed. I misused it during the time I was unemployed and my debt went up with interest to $3113. Chase Bank charged off my debt to a collection agency.

    When I got myself back together and got a job, I received a letter from Chase Bank. Their number was on and everything but they did not have my full account number, just the last 4 digits - "Your account ending in XXXX".

    They offered me a chance to pay back my debt and I was for it. I called and inquired about paying back. They set me up with a $2000 settlement and I was paying $150 per month. They did not have my account open so I used my SSN for them to see my debt. My bank check confirmed it the bank withdrew the money monthly and even said their name came under JP MORGAN AND CHASE BANK.

    My last month of finish my settlement was August. I called Chase Bank via the letters they sent me to confirm if this was really my last month. The lady in the phone confirmed it. I wanted to pay immediately but she told me since it was automatic pay, not to worry about it.

    After that payment, I received another letter from Chase Bank that was sent August 16th. The letter said that due to missed payments, they sent my debt to a collection agency.

    I was confused and worried I got scammed. I decided to call Chase Bank via another number online on their official site. When I called, the operator asked for a 16 digit number. Since my account was closed and I was using my social security number, I had her look up my information with an SSN.

    But she could not find any sign of my information with my SSN and refused to help. I asked the lady if the phone number on my letters were valid Chase Bank numbers and she said yes, they were valid phone numbers.

    I called my bank and asked if JP MORGAN AND CHASE really withdrew money from my account per month between October 2019 and August 2020. They confirmed it was JP MORGAN AND CHASE.

    I checked my credit score and no report of me paying that $2000 settlement came up. Chase Bank still has my debt listed as 'Charged Off'. I will be contacting the number listed on my credit score.

    Has anyone else experienced this? And what have you done to dispute the claim.

    submitted by /u/dktechie
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    Boss shamed me for filling out a mileage reimbursement claim

    Posted: 25 Aug 2020 11:43 AM PDT

    Hello everyone. First time poster to this sub, but I had to gauge if I am in the right or the wrong I guess.

    I recently got a supervisor position at a group home and long story short, the client needed to be moved to a different house outside of the city for safety reasons. The entire staff is now expected to drive to this new location which is 10 miles outside of the original city the group home was in.

    I traveled there and back today with my personal vehicle and filled out a mileage reimbursement claim because she previously stated that employees could fill out a claim for the extra mileage until things change.

    My boss saw me filling out the claim and she lost it. She started rattling off how I was disloyal to the company. She listed how she used to travel all over the area and never filled out a mileage claim. She said that it worried her that I was basically asking the company for money. She went on and on about how the company could have laid everyone off during the pandemic but didn't, how well the company treated its employees, etc.

    Then she said this, "You need to start thinking about the team."

    I really don't know if this is the place to post this, but I cannot believe that this happened. I really don't appreciate being called disloyal for putting my personal finances before those of the company from someone that makes more money than me.

    I'm getting married and we just bought a house. Am I really that bad of a person for requesting that the wear and tear on my vehicle be compensated?

    Thanks for reading.

    submitted by /u/Smashmouth34
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    Tree branch fell on rental car during storm, my personal car insurance paid out. Rental company asking for $340 in fees?

    Posted: 25 Aug 2020 08:00 AM PDT

    Back in November, I rented a car from Avis when I was travelling and a tree branch fell on the car overnight, leaving the windshield cracked and some minor bodywork damage. My car insurance company Liberty Mutual paid them in full for the vehicle damage and said that I would have to pay the $500 deductible to Avis/Sedgwick (a claims administrator company employed by Avis).

    I received an invoice from Sedgwick that includes nearly $340 in additional fees:

    • Administration Fee: $150
    • Storage & Towing or Other Fees: $135
    • Diminishment of Value: $188

    I understand the latter 2 fees, but can I do anything about the $150 in Administration Fees? I asked what that fee was and they said it was for doing paperwork.

    I was expecting to only be responsible for the $500 deductible. Is it possible to negotiate the Administration Fee to $0? Does anyone have experience in this area? Thanks in advance.

    submitted by /u/newgirlie
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    Mortgage company sold my loan to a bank with incorrect interest rate.

    Posted: 25 Aug 2020 12:13 PM PDT

    So back in July, I applied with a fairly well known, 0 closing cost mortgage refinance company. They offered me a 25 year, 2.875% interest rate mortgage. I signed at the end of July on the above terms. Mid August, i get a notice that my mortgage was sold to a major bank, which ironically was the initial bank that I had the mortgage through and is my primary bank.

    A few days later, the new mortgage shows up on my online account, and i check the mortgage terms and notice that the interest rate is 3.25% instead of 2.875% and the mortgage is also $60 higher than what I signed up for.

    I reached out and this company looked into it, they admitted error on their side and they decided its best to refinance the loan again to the proper 2.875% rate. I won't be paying closing costs, but I have to fund the new escrow account again and pay cash. This would mean that I get the old escrow as a check at some point.

    What else should I look out for when dealing with this? My goal is to not pay any extra money because of their mistake. I understand mistakes can happen though which is why I'm working with them to make it right.

    submitted by /u/Blindul
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    Is it worth being debt free?

    Posted: 25 Aug 2020 04:01 PM PDT

    I'm 24 making 66k/ year. I graduated December 2018 with 42k worth of student loan and credit card debt. I paid the credit card debt off immediately and been paying off my student loans while living at home. I currently owe 25k in student loans at about 4.3%. I also have a car loan for 6k at 3.89%.

    My goal was to be debt free by this time next year, but honestly I kind of feel like I'm wasting my time. I could be investing and saving. Furthermore, being 24 it's hard still living with mom and it's starting to get annoying.

    Is it really worth staying on this track or should I go ahead and shift my focus to saving and investing?

    submitted by /u/Lucky_Consequence_87
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    Advice to newbies: things that really helped improved my financial situation

    Posted: 25 Aug 2020 11:56 AM PDT

    I'm not as financially savvy as some folks here. This is for people that are new to this, I'll try to keep this short. When I got out of law school I made a number of mistakes that hurt me, and I didn't do some simple things that would have have helped save me money. Here's a short list of things that I've done or wish I would have done.

    ​

    1. Shop around for your monthly bills. I've saved a lot of money, switching from State Farm to Safeco (you should always maintain uninsured motorist of at least $50K if possible, in FL, med pay is a waste). I switched from ATT to cricket, and had family members join in with my phone bill went from $70 a month to $35. Saving $20-40 here and there really adds, up. I thought this was BS, but it's true, a few tweaks could mean $100-150 a month
    2. Drive something cheap and reliable. I'm a car guy, this is hard for me. I made a mistake of buying a new(er) car when I started working. My old car was almost paid for, I could have kept driving it, but I made excuses, and struggled because I didn't suck it up and drive something I didn't want to. I could buy something I really want right now, but I drive my 2014 because it runs and has A/C.
    3. Live somewhere you can afford. I moved into house, our mortgage was $1200, I struggled to pay it. The following year, my mortgage shot up to $1600 due to escrow being wrong. I really stuggled to pay my bills during this time, them my wife got cancer, and lost her job too. Take away: Your estimated mortgage isn't always what you'll be paying.
    4. Consider starting a side business for extra money and to take advantage of tax benefits. I took product photos for a few local businesses, and photoshopped the pictures for cheap, but this money kept me afloat
    5. If you have kids, change your W4 (not w2)to claim more. I would rack up credit cards, and then I'd get a $10K tax refund just to pay off credit cards. This is a terrible cycle, and credit cards will eat you alive if you don't use them with caution. Someone, finally, told me I can claim more on my W4, which will decrease my refund, but will mean more money each paycheck. This took my paycheck from not covering my mortgage to covering my mortgage.

    I'm fortunate that my income has continued to increase every year, that has been a godsend. Increasing income will take time, but you can stop the hemorrhaging today, little by little. Again, my wife and I are terrible with money, and we're not the " we ate ramen and ketchup everynight" type. It took 8 years of work to not worry whether or not I'm going to be able to pay my bills.

    I hope this helps someone.

    Update I forgot to mention, I also negotiate the hell out of almost anything I possibly can. I only pay $39 a month for Internet even though they were supposed to increase it after a year. It's been this way for three years. I asked my credit cards to waive their annual fees, anytime I get an overdraft fee I ask the bank to cover it.

    submitted by /u/pwrmic
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    Parents want to add me to title on house and refinance, not sure how this will affect me?

    Posted: 25 Aug 2020 11:24 AM PDT

    My parents are telling me they want to transfer the title on their home over to me, so that if something were to happen to my father, his MediCal/Medicare(?) can still kick in. They're telling me if his name is still on the title to their home that he would not be able to receive his health benefits. At the same time, they are trying to get me to sign onto refinancing the home and want to pull equity on the loan to help them pay their credit card bills. I'll admit, I know very little about finances so that's why I'm asking here. So my questions are:

    Should I help out my parents by agreeing to all this? How does this effect my credit, especially if I'm looking to purchase my own home in 5 or so years? If I don't agree to this, would they be at risk of losing their home? I'm totally lost on the finance jargon and what the long term implications this could have, so any advice or pointers would be greatly appreciated.

    UPDATE: Told my parents that I'm not signing on anymore. They're obviously pissed and started ranting to my younger sister so she called me and I just learned they've done a refinance before except they had my sister sign on a couple years ago. Not exactly sure how long ago this was but she obviously couldn't have known what she was signing on for when she's much younger than me. I told her to get a credit report and sure enough some really shitty things popped right up! Theres the mortgage loan of $400K under her name with only 3% being paid, along with 2 credit cards she had not opened, but were opened by my parents.

    So although I dodged a fucking meteor here, I'm researching what I can do to help my sister before they drag her down even further. Starting with putting a freeze through the big 3 credit companies.

    submitted by /u/rkiecaboose
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    Collection Agency continuing to send me communication regarding an alleged debt despite me having sent them a cease and desist letter-with pics

    Posted: 25 Aug 2020 06:47 PM PDT

    Hi /r/ personal finance,

    So this post stays short and sweet, I'll try to get to the point.

    1. Collection agency mails me communication regarding an alleged debt.

    2. I mail collection agency a letter asking them to:

    2a. Validate the alleged debt.

    2b. Validate the legitimacy of their authority to be a state-approved debt collector that can contact me regarding alleged debts. (Specifically if they are licensed to be a debt collector in my state, the name on their license that grants them such authority, the name/address/telephone number of the state agency that grants them this authority. And I also requested info regarding the licensing info for their home state or originating state, since they are contacting me from outta state.)

    1. Collection agency mails me some documents that attempts to address 2a. but they don't send me any information that attempts to address 2b.

    2. I mail collection agency a letter telling them that they did not address 2b. In other words, I told them that they did not comply with my request to validate their authority to pursue and collected on any alleged debts. I thereby demanded that they, "...Immediately cease and desist in sending me communication regarding any alleged debts whatsoever." I also told them that if they did not comply with my request, I would immediately file complaints against them with the FTC and my state's department of revenue, and any other relevant government agencies. image link-the 3rd letter is mine: https://imgur.com/a/61dx4DF

    3. Collection agency mails me 3 letters. One of those letters is just a "regular" letter trying to get me on a payment plan for the alleged debt--it's pretty basic/formulaic, so I don't really need to take a pic of it or discuss it. The other 2 letters are more *interesting*. Image link--the first 2 letters on the attached link at the *interesting* ones they just sent me: https://imgur.com/a/61dx4DF .

    The first one says that

    "At the time of the sale, the Seller provided an electronic copy of it's business records containing information concerning the account; a summary of which can be found below",

    and then it just lists the account holder's name, social security number, and the date account was opened.

    The second one says that they're not going to respond to any more debt validation requests or any requests for them to validate their authority/legitimacy to be a state-approved debt collector,

    "Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous dispute substantially the same as your present dispute. Because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute. If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider you inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed."

    tl:dr; I got an email from a collection agency saying I owe them money. I ask them to prove it, and to prove their authority to be a debt collector in my state. Collection agency sends documents trying to address that the alleged debt is valid, but they don't send anything addressing that they have the authority/power to be a debt collector. I tell them that I have no choice but to conclude that they do not have the necessary license, and I tell them to cease and desist from sending me any communication regarding any alleged debts. Collection agency then says they're not responding anymore to any debt validation or authority validation requests, and proceeds to send me communication regarding setting up a regular payment plan for the alleged debt.

    ​

    So...I told them to cease and desist, and they're still sending me stuff, trying to get me on a payment plan for some alleged debt. At this point, should I just report them? Also, since I sent them a cease and desist, and they're not complying with it, do I even have to do anything with them anymore? Also any tips/advice for dealing with this would be greatly appreciated. Thanks,

    submitted by /u/adann62
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    The bank mistakenly sent me a free and clear title to my Vehicle

    Posted: 25 Aug 2020 03:05 PM PDT

    So I recently refinanced my vehicle, upon payoff of my loan the bank sent me the title and release of lien, as opposed to my new lender.... looking for some advise as this is a unique circumstance

    submitted by /u/reddittilliedit
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    Finally managed to get an offer for a job position in a huge college town. Problem is, its a 25 minute (22 mile) commute for $11 an hour. Is the gas worth it?

    Posted: 25 Aug 2020 02:50 PM PDT

    I plan to work about 30-35 hours a week

    submitted by /u/vaporwaveroses
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    FHFA postpones "Adverse Market Fee" for refinances until 12/1

    Posted: 25 Aug 2020 05:50 PM PDT

    http://www.mortgagenewsdaily.com/consumer_rates/953041.aspx

    A few weeks ago I posted news about a new "Adverse Market Fee" of 0.5 points taking effect 9/1. At the time I posted, there wasn't much folks could do to avoid it (folks that locked before the announcement lucked out, folks that didn't were too late to avoid it).

    Anyways, they've postponed that fee until 12/1. So if you want to take advantage of the historically low rates AND avoid the fee, it's best to refinance very soon (next month or so).

    Edit: If you started your refinance process and locked rates AFTER the earlier announcement (and thus got slapped with that fee), you'll want to reach out to your lender and ensure they remove it.

    submitted by /u/outwiththenoise
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    Former employer is trying to claim he overpayed me

    Posted: 25 Aug 2020 09:52 AM PDT

    Hey guys, didn't really know if this is the right place for this, but wanted some advice.

    I recently got a call from the payroll company at my previous workplace. A woman left a message telling me they needed to speak about a disputed check I was paid.

    Long story short, my last boss was/is terrible to work with and threatened not to pay me for hours worked consistently. What I want to know is two things. One, is there anything my previous boss can do to get the money without my consent? I have evidence of my hours worked, although given he's waited almost 6 months I'm not even sure that's necessary. Two, I'm trying to call them back and can't get an actual human on the phone (they didn't give me a direct line for some reason), will they be more likely to try to pull money from my account if I don't get ahold of them?

    I would assume that if they don't put in the effort to actually get ahold of me they can't expect me to spend hours on hold for their issue. That said, I feel like the payroll company may be inclined to side with the business owner just because that's who pays them. I am just so tired that this job's problems are still following me, and want to wash my hands of the whole thing.

    submitted by /u/kylar21
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    $1000 Work Well-being Allowance - What to Buy?

    Posted: 25 Aug 2020 09:58 AM PDT

    Our work is giving us $1000 each year towards "well-being"

    Anything from...

    • Phyiscal (Smartwatch, Air Purifier, Nutritionist, Running Shoes, Sports Equipment, Physical Therapy, Massage Therapy, Yoga)
    • Financial (Financial Planning, Advisement Services)
    • Emotional (Mindfulness Classes, Life Coaching, Counseling)

    I've already got a gym membership and know a fair amount about personal finance.

    I have scoliosis, so maybe massage therapy would benefit me?

    I'm a 23 y/o new grad, so maybe some life coaching and counseling would help?

    Are nutritionists and personal trainers even worth it?

    submitted by /u/anonymouspsy
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    Debt Collection and Statute of Limitations

    Posted: 25 Aug 2020 06:12 PM PDT

    I received a debt collection notice that is for debt over 8 years old. Upon checking the debt on the companies website (ERC) it popped up a notice that said because of the age of the debt they cannot sue me or report it to credit agencies. My question is there any point to disputing the debt or should I just ignore them?

    submitted by /u/RedEyedRaccoon
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    Just got my first job, so what next?

    Posted: 25 Aug 2020 08:05 PM PDT

    So to start off , I got my first job that pays out $15 an hour, and I was wondering if you guys can provide me with any steps. I want to get into stocks or something that I can reinvest my money to on the side. I don't have any bills to pay either and I would just like to now how I can smartly save or reinvest my money, thank you!

    submitted by /u/ViperDragon
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    What are Some Downfalls for Saving TOO much? If Any? Thoughts?

    Posted: 25 Aug 2020 06:23 PM PDT

    I recently started my first real job making ~70k at 23 YO and deciding what to contribute to my retirement funds (Roth IRA, 401K w/ no match). No dbt.

    After taxes I will have around 50k annually.. about 23k of that will go to my living expenses. Then, 6k to max Roth, then about 10k in 401K for now. 11K left over roughly to do w/e with.

    For some quick Maths, 16k/50k is 32% of my income would theoretically be going to savings.

    That is a lot, but I live pretty frugally..

    That being said, are there any disadvantages in saving this much at a young age? I know everyone talks about how it is great to save and the pro's of it.. but are their any obscure disadvantages?

    I am kind of in a euphoric state at the moment.. things are going a little to well. I want to make sure I am not missing something.

    Kind of an odd question.. but just thought I'd ask.

    submitted by /u/Austins-Reddit
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    Anything I need to be aware of for a 401k rollover to IRA?

    Posted: 25 Aug 2020 05:03 PM PDT

    I'm helping my sister work on some personal finance steps, and one is getting her previous retirement accounts consolidated while she has time being under/unemployed. She has one traditional 401k through Nationwide that has some sort of fee associated with it and I recommended that she roll it into a traditional IRA at Vanguard (gleaned from lurking on PF). My understanding is that this should be a relatively painless process. The amount is somewhere on the order of $4K-5k.

    I'm just wondering if there are any things we should be aware of... Tax issues that might come up? Limits that might apply? Other options?

    We are also working on getting her Roth IRA started so she can start contributing to that.

    submitted by /u/ravenfollower
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    Air Canada "moved" flight departure 400 miles away - Refuses refund

    Posted: 25 Aug 2020 01:04 PM PDT

    My daughter purchased two tickets from Columbus, OH to Vancouver, BC for a flight that was supposed to occur in the spring (before Canada restricted US citizens from visiting, but would have required quarantine).

    They sent a notice saying her flight had been changed. Instead of leaving from her hometown, Columbus, she was supposed to catch the plane in Washington DC, 400 miles away.

    When she attempted to get a refund for cancellation of the flight, they insisted it wasn't canceled, only the departure was changed. They have offered her a voucher that has to be used by next spring, but she's pregnant with twins due this winter and there's almost no likelihood she can use the voucher.

    How does she go about challenging this bullshit? Obviously with two kiddos coming, she could use the $800. Since the flight originated in the U.S. do U.S. laws or Canadian laws apply?

    submitted by /u/RationalDB8
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    Car Loan Pit Question

    Posted: 25 Aug 2020 03:45 PM PDT

    Hey all,

    I'm not sure if this is the right place to ask this, but I'm just confused. I made a lot of bad choices which a regret deeply, so please don't tell me what I should have done, i'm just trying to figure out how to fix it.

    Almost 5 years ago, I made a terrible TERRIBLE decision to help my BF sign for a car. There's a lot of shit with that that I'm not going into, but it ended up being me signing alone for a car that I couldn't even drive. After that, he fell into a bad opiate addiction, and never made a payment on the thing. After a few months of that, we ended up returning it to a dealership because he had absolutely no money, and I was running out of the little I had as well, and it was the only thing at the time that I felt I could do.

    I stopped getting calls from the credit company, very soon if not immediately after that, but soon I got some legal stuff in the mail. They were claiming additional debt to the cost of the car. At the time, I made a pretty bad decision to just ignore it. I've gotten a few legal letters since, but again, I ignored them.

    Today, the debt still exists according to the credit agencies. Here's my question though, I haven't made a payment on the account since I had the car, so I know it became delinquent. It has been marked as "Charged Off" on my credit for 4ish years. However, every couple months I get a hit on my credit score of about 20 points down, and the date resets. The most recent one was July.

    I've been repairing everything else that living 5 years with an addict has done, but every time I get improvement, I get a ding from the car company. I have credit cards that I'm working with them to settle, and it only dinged my credit once when it got charged off. Are car loans different than other debts? On top of that, the only free credit agency that shows the actual details in history is Nerdwallet, and they only show the most recent charge back. They don't show all the other dings that have come from the same debt. Is that right? Is that allowed?

    submitted by /u/tweedyone
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    Carrying a balance on a credit card?

    Posted: 25 Aug 2020 07:26 PM PDT

    I recently got my first credit card last month and I'm trying to build some credit history. I came across a term that confuses me a bit so maybe you guys can elaborate for me... "carrying a balance.". Now if I understand it is that to "carry" a balance means that it will collect interest for the next month by only paying the minimum payment on your current balance. Is that correct? If so why would anyone want to carry a balance if you are going to pay interest on it? What is the purpose? Is this usually for people who "can't" afford to pay off a balance so they do the bare minimum to get by?

    submitted by /u/Jjking115
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    A good app to keep track of my things for my renters insurance?

    Posted: 25 Aug 2020 06:25 PM PDT

    I recently got renters insurance for my apartment. When I signed up the agent said it would be a good idea to take pictures of your valuables TV'S, laptop, other electronics, firearms etc. for proof of items. Does anyone know of a good app I can use to keep tract of all of my items? Thanks.

    submitted by /u/skinnybandit
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    How do you take advantage of having an excellent credit score?

    Posted: 25 Aug 2020 08:15 PM PDT

    My score is around 800, and I don't feel like it matters at all unless I'm buying a house which I'm not, or a car, which mine is paid off. I guess I can get some great credit card sign on bonuses... I don't carry a balance so the interest rate on my cards now don't matter. I have student loans but I was only able to refinance them with a co-signer because they're higher than my income.

    So is there any way I can take advantage of it that I don't know or just enjoy knowing I'll be approved for things haha

    submitted by /u/Cocacolaloco
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    I dug myself a hole to China.

    Posted: 25 Aug 2020 08:09 PM PDT

    And I need to either pop out the other side or find a really long rope.

    So I bought my first house sight unseen with the help of a friend. Used my VA loan to purchase and owned it for a year before I refinanced for a lower rate. At the time of the refinance I was a little strapped for cash, and my friend had a business opportunity/idea to go in on the house together and share the profits since I planned to rent the place out.

    Fast forward 2 months after adding my friend to the deed (but not mortgage, he needed to either be spouse/dependent for VA). He's decided that everything is his way or the highway, telling me I need to sell one of my vehicles to help contribute to renovations. And by renovations, he's talking about installing a $3k fireplace in a house worth $200k in Scottsdale, AZ. When I mention things like return of investment, he says "who cares!".

    I finally confessed that I wanted out of this "business" pitch, to which he demanded I packed my bags and moved out. He won't sign himself off the deed since he "found the place" so that apparently makes it his, and that he "put more money into the house" by buying furniture he wouldn't be able to afford on his own. But anything considered a fixture by real estate term we've split the cost of. I've offered to pay him back for every penny he put into the house (which I do have the assets for, but don't fee that he deserves it anyway) or to sign myself off the deed, but he'd have to agree to sign me off which he said he wouldn't do either.

    I thought about taking this to court but his uncle is a judge and his entire family is the type who thinks everyone is wrong and they're always right, which makes me feel uncomfortable going the legal route.

    I'm curious to know what would happen if I was able to get myself off the deed. Would he be able to continue to use my VA loan without me? Is there any bit of leverage i have to force him off the deed in any way?

    At this point I'm even willing to go bankrupt just to get myself out of this sticky situation.. he's verbally abusive and had even gotten physics a few times to the extent of putting me in a head lock. (He's clearly got anger issues.)

    Please help..

    submitted by /u/AscendantArtichoke
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    Mother was contacted about resolving her credit card debt with only 3 monthly minimum payments. Is she being scammed? (long post)

    Posted: 25 Aug 2020 07:54 PM PDT

    My mother received a phone call from an apparent non-profit organization calling themselves Clearsky Financial (Clearsky being all one word). They claimed they could help her from being overcharged by credit card companies and pay off her debt. All she has to do is make three minimum monthly payments to each card and Clearsky will take care of the rest.

    They sent her a welcome packet in the mail. All she has to do is read through the packet, sign an agreement page that she sends back, and that's it. But it seems too good to be true.

    The address is a P.O. BOX in Orlando. The footer on each page also lists a "Law Office of Karl Frankovitch." I did a search online for this law office and found a match, but it's located in New York, not Florida. I called and left them a message this evening asking if they were the same one listed. It was later in the day though, so no one was probably there to take my call. Hopefully I'll hear back tomorrow.

    The packet reads as incredibly preachy to me. "The credit card companies are SO IMMORAL" and all that. Real fear-mongering type stuff. It made me raise an eyebrow. It also seems like something that anyone could easily print off their home computer. This organization obviously didn't invest in professional printing.

    I also can't seem to find this organization online. There is a Clear Sky Financial (Clear Sky being two words) based in California, but I'm a graphic designer and have studied branding, and I have a hard time believing this organization would be sending out packets that have the wrong branding for the company name (all one word instead of two). Not to mention, this Clear Sky does personal loans and their website says nothing about helping Seniors get out of debt. So I don't think this is them, but I could be wrong.

    Now here's the crazy part: a couple days after her initial phone call, she had someone try to make a $1,500 fraudulent purchase in Malaysia on an older, paid-off card. Then a couple days after THAT, she got a phone call from some guy claiming to be from the Social Security Administration telling her that her personal information was found inside a car with illegal drugs in Mexico and that a warrant was going to be put out for her arrest. It seems weird that she has never had these kinds of problems before, and now suddenly twice in one week?

    Now, my mom does have a phone number and an extension for the woman that originally called her. And she can call back and talk to this woman any time. In fact, after the fraudulent charge and the dude claiming she was going to be arrested, she called back and was able to speak to the exact same woman. She raised her concerns but was assured the instances were merely coincidental. I don't know if the fact she can call back lends any legitimacy to this organization or not. But this woman that she had been speaking to is easily reachable.

    I don't want to dash my mom's hopes, but this just seems way too good to be true and I wouldn't forgive myself if she ended up being taken advantage of and I didn't do my due diligence to investigate. So, anyone have any advice on what to do? Is this for real?

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