My husband and I were deployed to Iraq and upon our return all our accounts were chargeoff what do we do?

Question

While my husband and I were in IRAQ we hired "Family Counseling " to pay our bills upon our return we found our that all our accounts were chargedoff. The "Family Counseling Center" we hired payed only the first 3 months and nothing after. We were gone for 19 months so for 16 months nothing was paid. We have tried to locate this company and no luck, the police have told us to move on and count our losses; so did the investigator we hired; the lawyer we've been paying have no good news either. We want to buy a home and and automobile and no luck. For fighting a war this is our payment in return "Damage Credit", we payed $1640 a month to these people. Anyone with any suggestion.

Answer 1

I feel sooo sad when I read the many varieties of problems this war have caused so many people. It is so easy to say move on and count ones losses when it has happened to someone else, but THERE SHOULD BE A bona fide, genuine, SOLUTION!!! I would suggest that you FIRST WRITE THE VETERAN'S ADMINISTRATION to see if they will provide you with a lawyer who will try to clear up your credit record. IN MY OPINION, The credit agencies should remove all adverse info on you; SEEMS AS IF YOUR LAWYER SHOULD BE ABLE TO GET WITH ALL OF YOUR CREDITORS, WHO WERE NOT PAID, AND HAVE THEM TO ALLOW YOU TO EITHER PICK UP WHERE YOU LEFT OFF BEFORE YOU WENT TO THE SERVICE OR ALLOW YOU TO START PAYING THEM IN EXCHANGE FOR THEM REMOVING YOUR NAME. That's my opinion, AND IF that doesn't work, THEN BY ALL MEANS write your congressman and explain everything that have happened including your efforts to clear this up. IN MY OPINION, this country OWES you! You SHOULD NOT HAVE TO PAY A "damaged credit" PENALTY for serving your country. BE SURE, you show check stubs or receipts of some kind proving that you paid these people to pay your bills. I BELIEVE there should be and I believe there is relief for extenuating circumstances.

Lets pray AND believe that these suggestions work.

be blessed

Answer 2

Welcome back as well; I was there in 2003. There are some well intended answers but they all involve tons of red tape that again would likely yield nothing. The cold advice to move on may be the best course of action. What I want to know is did you pay $1640 a month for all 16 months or just the 1st 3 months? I feel horrible if it was all 16 months and they skated with your money. If however, it was 3 months and you have all of your war savings, I recommend you do in fact move forward by settling out your debt for less than 50 cents on the dollar and entering a solid credit restoration program which is even sometimes included for free by debt settlement companies. Check out the free evaluation form at

www.totaldebtsolutionsllc.com

and good luck!

Answer 3

I really can't help you with the counseling company that ripped you off. As for your accounts being charged off while you were on Active Duty, well, you and your husband should look into the Soldiers' and Sailors' Civil Relief Act. I did provide a link below. I certainly hope it helps!

Answer 4

First let me say from one veteran to another, Well done! and welcome home.

Now, there is probably nothing you can do about the company that ripped you off but you can try another option. I used this credit restoration company and they really did a good job for me. Maybe you should look at their website and see if it is an option for you.

http://www.nwbusinessadviors.com

Answer 5

I really feel bad for you, but agree with the people you talked to, Move on and start over.

Who put you on to the "Family Counselling": in the first place.

You should go have a deep discusion with them

Answer 6

First of all, call your creditors and ask them about the Soldiers and Sailors Act. It's a law designed to protect military personnel when they are deployed.