First question I have is How many times can one refiance a Lending Tree mortgage? Hoping for any comment. Second question of mine... Hello everybody,.

I had been working for a company for 25 years when they had a mass downsizing and I was not prepared finacially. I've known for years that I was living beyond my menas but there seemed no way out so I just continued to do what I did..

I work in the Information Technology field. I recently acquired a BS in Information Science and an MBA in an attempt to get ready for what I saw coming. I honestly and truly thought that when I put my resume out there that I would be inundated with offers so I wasn't really all that worried. Well, I'm writing this while still looking for a job..

I became painfuly aware In December '02 that I was going to have to file BK. I got the name of an attorney from another trusted attorney. He suggested I wait until Jan '03 to file cecause of 2 small cah advance taken in late October '02. We filed the first week of Jan '03. My 341 meeting in last week Feb '03. I should be discharged around beginning of May '03..

In my filing I intended to let my car go because of being upside down about $10k. Seven days after filing they showed up at my door to take the car. I was 2 months behind at the time and since I was not intending on keeping it anyhow I let them take it..

I have been reading this board for several weeks now. I want to thank you all for the information and the efforts that you all put forth. This kind of information cannot be purchased at any price..

I feel the same about my attorney's efforts. I sense things going on in my favor that I could not have known to do or have done myself..

I pulled a free credit report from consumer info (EQ) before the filing (Nov '02). My score on that report is 650. There was not a single drog. on the entire report and my credit history goes back over 20 years. However my utilization was probably about 99% and my debt/income was about 4:1..

I filed Jan '03..

I pulled another free report form privista (EQ) and got a score though score power (FICO) of 480. I haven't figured whether score power and privista are the same or not but when I asked for the sore I got anothr report formatted differently. I've yet to decide who to go with for each of the CRAs. I'd really like to be able to check each weekly or even daily. Any input will be appreciated..

I have filed against 19 unsecured accounts, more than one account with some creditors. What I'm seeing isn't pretty:.

..................Nov.'02......Feb.'03.............................

.........before BK filing......1 month after filing BK.....

...................................................................

...................................................................

Acct...............Status......Status..............................

...................................................................

Citibank S.D........Open......Charge Off.

Citibank S.D........Open......Charge Off.

Sears...............Open......Closed.

Chase...............Open......Closed.

FirstUSA............Open......Closed.

MBNA................Open......Acct in Chapter 7.

Home Depot..........Open......Acct in Chapter 7.

Rest of unsecurd... Open......either Pays on time or.

........................................ 30 days late..

USBancorp(auto).....Open......60 days past due.

Here's on item I don't recognize:.

Name:............ CFC-MSD Tape Reporting.

Type:............ Real Estate.

Acct Status:..... Open.

Monthly Payment: .$0.

Date Open:....... 03/97.

Balance.......... $0.

High Balance:.... $37,200.

Limit:........... N/A.

Past Due:........ $0.

Remarks:......... Second Mortgage.

All other items (49 accounts total) are postive and appear to be correct at this point. I still have a lot of work to do to sort this all out..

Should I be doing something at this point? I know statuses will change as the BK proceeds but is there something that I can be doing at this point while I am waiting for the BK to proceed and learning? I've read some other posts on this board and some have the opinion that it is never too early to begin. I agree but I don't want to do anything wrong either. I've read over and over "never send them your BK papers" so I know that..

The above Charge Offs concern me. Is there something I should be doing now about those or should I wait to see what happens after the dischage. The Closed (Sears, Chase and First USA) don't appear to be negative or positive. The Acct in Chapter 7 are accurate. US Bancorp (auto) also concerns me. This should at least be "incl in BK" but they seem to be acting like it's a normal repossession.



I intend on attacking this with all of the ability and power that I have but I will need some guidance. No matter how much I read and how much work I do I will never have the experience that is available on this dicussion group. For that I am greatful and I appreciate any input..

So there's my story. If you need more details just ask. Anybody got a high-paying job for me?.

Thanks,.

Mike5000..