If you do get a settlement I would use it to get - sm

Posted By: XXX on 2008-07-01
In Reply to: Need to vent sm - MT

two things, a fence for your yard, and therapy for your daughter as she obviously needs it. If you are not taking her as yet, get her to a therapist pronto. Any left over money you put into her college fund. Good luck.

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Need to vent sm - MT
- i think you are greedy - me
- sm - anoni
- DOG BITE - hc
- Just Answer The Simple Questions -- - sm
- Did you ask them...... - Chele
  - Unbelievable sm - MT
    - Doesn't give the dog a right to bite her??? It's a freakin animal. - sm
    - I agree with you OP... - sm
      - What about lesh laws? - Texas Girl
    - for what it is worth - anon
      - and remember this - cj
  - I agree - anon
- Your little girl - sm - New York MT
  - Thank you sm - MT
- The end of a friendship - Chavera
  - I'm sorry you lost a friend sm - MT
    - The dog was nipping at her ankles and you call - that an attack?
      - I agree with above poster.... - sm
  - I'm sorry to hear about the loss of your beloved pet - Kaydie
- If you do get a settlement I would use it to get - sm - XXX
  - Thank you! sm - MT
    - See again, my point is proven - - sm
      - I hope you don't have children nm - MT
        I do and I'm teaching them the morals - you must not have!
        Agreed and.. - cj
- Do they have homeowners insurance? sm - deni
  - I believe they do sm - MT
    - Our dog bit a girl "that was pulling his hurt ear" - and she needed cosmetic surgery.
- I understand your frustration - sm
  - disagree. Their insurance should be secondary sm - deni
  - Thanks for your concern, but sm - MT
    - I do understand. - sm
      - Excuse me! sm - MT
        How exactly is your daughter going - to benefit from going to court over this?
        You have to be kidding me! sm - MT
        maybe it's you... - cj
        I agree..chill out! It's been 2 months already. It is just a dog who knows no better. - nm
        I can't believe you people sm - MT
        If it was really significant, I would - dog bite
        guess what - cj
        I''m done with you! nm - MT
        I'm not kidding you - this happened several months - ago and you say
        That is just wrong. You are assuming these people were going sm - deni
        Her insurance didn't refuse to pay - read some of her replies to me. sm
        It's not fraud sm - MT
        but you do have insurance, it's the same - as if I were to tell the welfare office
        What? - MT
        Yes, that's what's wrong with the system - and you're perpetuating it sm
        Ummmm, I think her point is that they should pay - sm -
        Unfortunately, your scenario is not - the case she presented. sm
        True, but she is not going to get that much, - sm -
        What's really sad is even if she does - win, sm
        One more thing sm - MT
        Again, what will you accomplish by - *settling with homeowners* - money!
        Daughter sm - MT
        what kind of dog is it? - nm
    - kind of similar? - jlg
      - Insurance sm - MT

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Settlement offers - beware
Just be aware that if they do a settlement offer of $3500 on the $7000 then you will have to include any portion that they write off as "income" on your taxes and they will send you a 1099 C that will show the amount that they cancelled and will report it to the IRS. If they already have a judgment against you, why are they taking you to court? I thought that once a judgment was placed that was it, of course if the judgment was placed prior to you making payments and then you began making payments again, that might require another judgment. And of course that begins the start of the cycle of the 7 years before they will write off the entire amount and with the new laws that could also generate a 1099 C requiring you to report that as income. Of course the amount of taxes you pay on the "income" is a lot less than the amount of the debt but it is still something to think about. Good luck.

Anyone ever use a debt settlement company - sm
like DebtAmerica or something like that, one that eliminates 30% or more of your balance owed, consolidates it and gets each cc to settle on an agreed amount, etc. I am thinking of going that route instead of CCCS company which is just a DMP (consolidates it but you still pay back every penny and interest). Either way you have a big black mark on your credit. I owe a substantial amount and this way I can probably be debt-free in 3-4 years instead of 8 years. I know they charge a fee, and you have to pay taxes on the settled amount but it will be a lot cheaper for me in the long run and I can afford it a lot better. So if anyone has gone this route, please give me your input and who you used and if you were happy with their service, etc. TIA!