Disputes on Credit Cards
I am writing to you about my experience with Credit, Credit Bureaus, and Creditors.
I live in South Carolina. I had been married for 10 years when I found out my husband was having an
affair. I sued for divorce. I got it within 6 months on the grounds of adultry. He came to court without a
job ( He quit a 45,000.00 a year job with benifits with Frito Lay). I got everything. The kids. the house the
bills. I was ordered to refinance the house within 3 years so he could get his VA loan back. Why?
Because in the State of South Carolina everything is based on income ratio, I had a job, lucky me. This
was when my real credit problems started. We had managed before. I could not pay all those bills by
myself, and his contribution was only $85.00 a week for 2 kids. When trying to refinance the house to get
extra money to pay the bills ... couldn't get enough, not enough equity. Had to get a 2nd mortgage. House
is not worth enough, Still not enough to pay the bills. My car broke down ... anyway I'm sure you get the
picture. I don't drink I don't smoke, I don't do drugs. As a matter of fact I don't take vacations, and I don't
buy new clothes for my self, I don't go out (This is still the case even after the bankruptcy, I live in fear).
Because I am so u n h a ~ ~ v
I don't date. I filed for ChaDter 13 Bankruutcv in 1998. 1 aid it off in 2001. In
2003 My friend got her iealtors license and she wanted to help me get a house. I laugned. I had just
started reestablish~ng my credlt. After a Bankr~ptcy? I said ok glve it your best shot She did ,t, (GOD
love her) aooroveo tnro~ah
the So~th Carolina State HOJSI~O
Finance and Develo~ment Autnoritv. I was
~ , ,
shocked. Took 3 monthsthoigh to really bet the paperwork-right. My credit was horrible. ~ccoints
included in the Bankruptcy reporting as Charge offs, and collections. As a matter of Fact, Wells Fargo,
who was handling the new mortgage was one of those charge offs ... seems that Norwest Financ