[2015] About to Start the Foreclosure Process

[alexadeparis]

Biggredd thanks for the information; even with my attempt to block their number they called again this evening, but it only rang once before going into "block" mode. I will try writing a letter and report back on that. Sorry to hear about your own difficulty; I hope all is better now. You said 7 years; the person I spoke to claimed 7 to 10....I'm guessing that was a scare tactic on her part

All public record items like lawsuits and judgments are allowed to remain on your credit report for ten years. Longer if they are revived.

 

[uscav8r]

...

On a side note, you must be going bust after that debacle of a final minute versus the Broncos tonight.

That was about the most heartbreaking finish to a game I think I have ever seen.

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[GoChiefsorBust]

All public record items like lawsuits and judgments are allowed to remain on your credit report for ten years. Longer if they are revived.

Oh! Didn't know that....so she was telling the truth then? Thank you!

 

[GoChiefsorBust]

On a side note, you must be going bust after that debacle of a final minute versus the Broncos tonight.

That was about the most heartbreaking finish to a game I think I have ever seen.

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I'm traumatized to say the least....I had to rewind the TV because I couldn't believe what happened

 

[GoChiefsorBust]

So they are ramping up their calls. They called 2x last night, and 1x so far this morning. The call block on my phone actually works because the phone doesn't ring, so I'm not being bothered. It's only when I get on my phone for something else do I see the missed call notification. I'm also going to spend this weekend crafting a Do Not Call letter, per the suggestion of a helpful poster; I want to see if that stops the calls all together, postpones them, or have no effect at all.

 

[GoChiefsorBust]

Update. Last night received 2 billing statements for assessments and loan balance. These had a big PAST DUE marked on them. Received 2 emails informing me of Wyndhams super easy payment plans.... Just 10 min ago received strange call from someone saying I called and left a message for him to call me back. I said nope. As SOON as I hung up the blocked number from Wyndham Financials tried to call! Now I have a new number to block....they were trying to see if my phone number was still valid perhaps?

 

[GoChiefsorBust]

An Update!

So instead of 702.562.8350 (Nevada) calling me (and getting automatically rejected), the number has now switched to 1.888.739.4031 (which has also been placed on the call rejection list).

A funny thing that happens when calls are rejected; the Wyndham Rep on the other end goes to my voicemail.....but they don't know that they are being recorded! I have heard and laughed at so many 40 second recordings where a rep is waiting for me to answer the phone and is either having a conversation with someone sitting next to them, starts singing a song, or in today's case, begins to rant about "hating her G***amn life." True story. I was mad her rant cut off at the 40 second mark :rofl:

 

[taterhed]

Just people humpin every day for a living. Call work is neither fun nor well paid.

I understand the humor of it all, but remember; the people getting paid to do their job are NOT the people who sold you the 'bill of goods' nor are they evil or vindictive.

As long as they get paid, they'll keep working (probably).

good luck.
I'm sure we've all had a collections call (for some reason or another) at some point in our lives.

 

[GoChiefsorBust]

Not being vindictive at all! I guess you would've had to hear the voicemail but her hating her life segwayed into wanting to kick (couldn't make out their name)'s @$$....to how they better stop.....she was hyping herself up. Trust me I did calls for MCI Telecomm for 2 years, I know the pain well

 

[alexan56]

Help for friend

Help for friend: She lives in Venezuela and "purchased" a 150k wyndham account. She recently got into some debt and has cancelled her Credit card (Aug 15). Will wyndham come after her? As she is overseas and doesnt mind the bad credit.

She has asked me to get this question out as she has had a few letters mailed to her address!!

 

[GoChiefsorBust]

Update:

Got a notice from Wyndham. The usual, you're late, you're now 60 days overdue. You can no longer use your reservations or make future ones. I recall from last month it said 90 days, so I looked at both statements. The one from last month was from Wyndham HOA / assessments, and THIS statement is from the actual "loan" portion of Wyndham. So note: If you are only delinquent on your HOA, you have 90 days before they revoke your privileges; if you're delinquent on your loan, you only have 60 days. Receiving about 2 or 3 phone calls a day, still going straight to voicemail. Haven't received anything from them in regards to my Cease and Desist letter I sent.........

 

[GoChiefsorBust]

A new phone number to block, this time from Wyndham Collections (I guess Ive graduated from talking to a Wyndham Financials rep). Since it was a new number I actually answered but knew as soon as I did it was them. Wyndham Collections is very straightforward, no nonsense. We went through the whole "you're late/when are you paying" bit, but this time when I said nope not happening, she went straight into reciting some legal statement about reporting to credit bureau, the calls will not stop, etc.; basically once we hit 160 days non payment it's war. I said ok, thanks for the info and hung up and promptly blocked the number. As SOON as I did that I received 3 rejected calls back to back and have been doing this for the past week. As I said, doesn't bother me since all 3 of their numbers are now blocked. A "positive" is that they dont call on Sundays.

 

[silentg]

Have you considered renting your timeshare? This may help to make the yearly payment? What did you buy that put you in such a hole?

 

[GoChiefsorBust]

Hello! I wouldnt make enough renting it out to cover my costs. I have 308k points which equals to a monthly payment of roughly $800+/ mo.....

 

[GoChiefsorBust]

And the timeshare loan isnt paid off. Purchased it in 2012......

 

[raygo123]

Have you considered loan consolidation? If both names are on the contract, will bankruptcy work if he does no claim as well?

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[GoChiefsorBust]

Thought about it as an option but the honest truth is, now that I'm down to one income I simply can't afford to make any payments on it. I have no other debts except the timeshare and my mortgage (and i use my money to make sure me, my son, and pets have a roof over our heads first).

 

[raygo123]

If your still married, you may just be shifting the financial responsibility to him

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[GoChiefsorBust]

If your still married, you may just be shifting the financial responsibility to him

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All things considered, I'll be ok if that were true......

 

[GrayFal]

Thought about it as an option but the honest truth is, now that I'm down to one income I simply can't afford to make any payments on it. I have no other debts except the timeshare and my mortgage (and i use my money to make sure me, my son, and pets have a roof over our heads first).

You received really good advice early on in this thread and you are doing what you need to do.
Thanks for the updates, it will definitely help others in the future who are dealing with the same situation as you.

 

[GoChiefsorBust]

You received really good advice early on in this thread and you are doing what you need to do.
Thanks for the updates, it will definitely help others in the future who are dealing with the same situation as you.

My pleasure, GrayFal! I'm staying the course and will see this through until the end.

 

[paxsarah]

Seconded. I hope I won't need this advice in the future, but you're providing such a helpful chronicle for reference. And handling everything with such aplomb!

 

[GoChiefsorBust]

Seconded. I hope I won't need this advice in the future, but you're providing such a helpful chronicle for reference. And handling everything with such aplomb!

I appreciate your kind words paxsarah; thank you!

 

[Cdn Gal]

This too shall pass...you will get through this financial and emotional hurdle and will be stronger because of it. Wishing you all the best, and thank you for the updates. Take care of you!

 

[GoChiefsorBust]

This too shall pass...you will get through this financial and emotional hurdle and will be stronger because of it. Wishing you all the best, and thank you for the updates. Take care of you!

Cdn Gal, I have to remind myself to do this almost every day. It's getting easier, but I do wrestle with some guilt.....you know, the guilt of, there are people who are going to have to pick up the costs since I'm going through this. But I have to keep saying to myself, take care of you (and your babies) FIRST. That's what's most important right now. And with me really focusing on my budget and making every penny count, I'm doing just that. Change is scary, but sometimes necessary