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  1. K

    Capital One Check today...

    Today, I received a check in the mail from Capital One. It was for $39, which I believe is what my annual fee was. Mid year last year, we stopped paying on this card. I'm expecting a suit mid year this year from them, and hoping we can settle with our 2nd mortgage first and then file for...
  2. K

    US Bank foreclosure letters?

    For most of the second half of this year we've paid our mortgage between 10 and 25 days late. 3 times we've fallen slightly beyond that, such as the November 1st payment which I just made on Friday. US Bank locks you out of online payments once you fall 30 days late, but a payment to bring it...
  3. K

    Thoughts on a HEL settlement

    A bit of background first: We bought our house in 2005, only paying $77,000 for it. We felt the house was worth more, as did the prior owners, but they had just built a new house and simply wanted out of this place. In 2007, we needed to tap that equity due to medical bills and applied for a...