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Credit Advice
#1
Home away from home
Home away from home


Almost 15 years ago, like too many other college age kids, I ran up credit debit. I learned a valuable lesson and since then have a very high credit score, have one credit card that i use only for major purchases or emergencies. I pay usually in cash or use debit. I have no major debt and am financially okay.

The other day i received a notice from an attorney indicating that they would file for wage garnishment with in 10 days if i did not dispute the matter.

I was of course astounded. I had 3 credit cards. Two of which i settled and one i paid off in full. The ones i settled with a collection agency were 500 and 600 dollars...none of my outstanding debt went over 1000.

I called the bank that issued the credit card and they did tell me the attorney was representing them. They would not tell how much they were seeking or why....even after explaining to them i had settled this years ago.

My problem is that i don't have a record of that transaction...i checked with my bank that i paid the debit through unfortunately their records dont go that far.

What can i do? My main worry is that if this garnishment goes through it will hurt my credit especially since this fall i plan on applying to grad school.

Also, the bank that issued the credit card told me they discharged the debt ins 2006, isn't the statue of limitations preclude them for going after me in court?

Again any insight is appreciated.

Posted on: 7/22 12:41
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Re: Has anyone else experienced Indian upstairs neighbors with heavy feet?
#2
Home away from home
Home away from home


I can't decide who is douchier, the OP or Heights.....

Posted on: 6/17 3:52
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Re: At rabbi’s retirement ceremony, Fulop opens up about his Jewish beliefs
#3
Home away from home
Home away from home


This was just a warm up before he officially aligns with AIPAC along with the rest of our bought an spineless politicos.

Posted on: 6/9 21:48
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Re: Whole Foods in JC?
#4
Home away from home
Home away from home


Quote:

devilsadvocate wrote:
Quote:

user1111 wrote:
whoa, WTF just came back in from my morning run and saw a wholefood van on Ocean and Wade... They now deliver.


I would be very annoyed if WF decided to open their first JC location in freakin' Greenville.



Im now so praying that they open up in Greenville!

Posted on: 5/9 11:57
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Re: Massive Edgewater fire
#5
Home away from home
Home away from home


****Correction***** I just spoke to my friend about this. She said she did hear an alarm as she was parking.....but thought it was coming from TJs...in the area where they unload their supplies.

We did not hear the alarm as we left.*****************

I met a friend up at TJs around 2 yesterday. We left there around 2:27. She drove from the back of the lot which leads u right up the front of the complex. We then took a left on River Road to drive 30 seconds to Mitsuwa. We did not hear any alarms nor see any smoke at the time.

We had a good lunch at Mitsuwa. We left exactly at 4:27 pm. We saw no fire or emergency vehicles....near the complex at the time. It(fire) must have been building inside for some time.....

Posted on: 1/22 10:14
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Re: Bayonne vs. The Heights
#6
Home away from home
Home away from home




As an alum of Horace Mann, I must say that it has consistently been one of the top schools in Bayonne. The others that i would include are Robinson, Midtown, Vroom(which used to be the gifted and talented school) and Lincoln.

Posted on: 1/15 10:31
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Re: Bayonne vs. The Heights
#7
Home away from home
Home away from home


Id recommend driving around in Bayonne to get a feel of it. Lots of new development is coming in line. Id say 7 to 8 years its going to be very yuppie. There has been more new cafes an restaurants opening in Bayonne lately. A few art galleries have opened up, albeit small. If you take the bus or light-rail to commute you can be on the Path train in 25 minutes during rush hour.

The housing indeed around Stephan Gregg Park is great. I lived a block away from it.

The grammar schools are amazing in Bayonne. The high school was a gem in the late 90s and early 2000s. It was a blue ribbon school. Now its terrible and many of the teachers there don't care, Also its overcrowded.....Bayonne needs another high school but that's not going to happen. The only saving grace is if your kid gets into their honors program which recently spun off into its own school within a school.

Posted on: 1/14 17:07
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Re: homeless outreach team banned from PATH hub in Jersey City
#8
Home away from home
Home away from home




I am not sure if it was the outreach team or the other religious charity that helps the homeless....but a couple of years ago....on a wickedly cold night....they approached me asking if i needed help or a place to stay.


It was so embarrassing...i was just waiting for the never on time number 10 bus. :(



Posted on: 12/14 12:41
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Re: Morgan Fish Market & Restaurant
#9
Home away from home
Home away from home


I never got a chance to try the Afghan Kebab place....besides its been a year since i became a vegetarian, not sure if they had lots of non meat dishes.

Alas, i think they closed permanently. My last couple of times in JSQ they were closed.

Quote:
by JC_Livin on 2014/11/30 17:52:15

I love this place, especially their baba ghanoush. My boyfriend, who is usually less than enthusiastic about fish, says this is the best fish he's ever had.
Also try the Afghan kebab place a little closer to JSQ on the other side of JFK. Also delicious, and alcohol is not allowed there either.

Posted on: 11/30 21:02
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Re: Morgan Fish Market & Restaurant
#10
Home away from home
Home away from home





Fraulein, you can ask them to sell you the fish raw...it can't hurt asking them.


To Bodhipooh...many muslims who are observant do not drink alcohol nor do any business related to it. So i could understand why they would not even allow a byob service.

Sharia law is something totally different....it would apply on a government/state level.


Posted on: 11/30 14:39
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Re: Morgan Fish Market & Restaurant
#11
Home away from home
Home away from home




They basically make things from scratch so please be patient. Also, some times depending on the server there maybe a communication problem since English is not the first language spoken.

If you are in a hurry you can order a shrimp sandwich to go.


The food is definitely worth it.

Posted on: 2014/11/29 20:20
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Re: Ahris Kitchen: Korean food in downtown Jersey City
#12
Home away from home
Home away from home


They are not opening Dec 1. Because of red tape they might not open until spring.

I am really bummed especially since i donated through kickstarter...........was so looking forward to this place.

Posted on: 2014/11/29 20:17
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Re: Tomorrow (Wed) weather, and travel via train
#13
Home away from home
Home away from home


I don't think the weather will be too bad. Try to leave early or even get an earlier train.

Happy travails and a safe trip.

Posted on: 2014/11/25 20:54
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Re: Lions of Judah being removed from church/synagogue/mosque on Grove?
#14
Home away from home
Home away from home


Quote:
by fat-ass-bike on 2014/11/24 17:41:48

Which country used chemical warfare, dropped the bomb, had slavery, continue to use the death sentence, caused untold number of civilian deaths in Iraqi or Afghanistan, tortured civilians and POW's, sent mercenaries to act as security but killed civilians, had civilians locked in Guantanamo for years without conviction, went to war over a bullsiht WMD claim ... the list goes on and on, plus more returned soldiers have committed suicide then died on the battlefield in Iraq and Afghanistan.

How this topic went off track, highlights to deep rooted racial and bigotry behavior some JClisters have and how ignorant they are. The topic is about some lions on a building being removed not war and peace bullsiht.



I don't always agree with your positions on JCLIST FAB....but your responses to this topic are so on point and even handed.......and rational. Kudos to you brave sir. :)!!!!!!!!

Posted on: 2014/11/24 19:40
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Re: Lions of Judah being removed from church/synagogue/mosque on Grove?
#15
Home away from home
Home away from home





Did I miss the notice that JCLIST has now become a corollary to Stormfront.org????




Ps. Thanks to all the decent folks who are standing up to the bigots and trolls........especially papadage. KUDOS!

Posted on: 2014/11/20 15:28
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Re: Fulop plans to gather top N.J. mayors for private dinner: The Auditor
#16
Home away from home
Home away from home


Come on guys. Give our over worked and underpaid politicians a break. These working dinners are pure torture...especially if they stretch into extra innings. Leave them alone!



Posted on: 2014/11/13 9:59
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Re: Jersey City still No. 1 in NJ for LGBT community, report says
#17
Home away from home
Home away from home





I always thought that Montclair, Morristown or Maplewood be the most friendly.

Posted on: 2014/11/12 22:48
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Re: Shia Muharram Procession in Jersey City
#18
Home away from home
Home away from home



I am glad you are not treating 1.6 billion people as one giant monolithic mass. Good thing you have studied well and understand all the nuances and complexities that compromise an individual or group of persons.

Good luck avoiding doctors, engineers, computer programmers, construction workers, lawyers, taxi drivers, teachers, retailers....etc...who are American(thanks for being a grammer nazi...and pointing out my unintentional mistake) but muslims....luckily you know which ones are the scary ones.

Posted on: 2014/11/12 22:34
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Re: Shia Muharram Procession in Jersey City
#19
Home away from home
Home away from home


I admit reading the reaction from certain posters who wrote they were "alarmed or scared" made me want to say "get a life"...but with some thought....i came to this simple conclusion.

What do those posters know about other religions and cultures? Where are they getting there news and information? Do they know any american muslims? Lets face it people have a right to feel what ever rises up from their depths even if i think.....they might need to chill.

I just hope that those who did feel that way do some research on their own or get to know the "other". Most won't but hey that's life.


And Heights...as usual your just a wannabe Fuehrer. There is no hope for u.

Posted on: 2014/11/12 13:35
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Leak On Roof
#20
Home away from home
Home away from home





My roof has a small leak. Normally, i would just call my landlord and have him deal with it........but he is away and dealing with a family emergency and won't return until first week of November. Sure, I could call him and all that jazz but he is always been an awesome landlord and not a slum lord that you hear about all the time....so i figure i could wait a bit.

The other tenants ceilings are fine and they even double checked. It's just my place that is cursed. I went up in the roof and checked it and observed it when it drizzled(these last two days) and found the small crack.

Is there anything i could do to seal it? Is there a salve that i can apply....even little old me who knows nothing about home repair??? And it only leaks when its a small drizzle or light rain.......that is just so odd.

Any info is appreciated.

Posted on: 2014/10/22 23:37
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Re: Jersey City Board of Education Election- The Children First Team
#21
Home away from home
Home away from home


The raise seems really high. I would be more understanding if it was adjusted to the cost of living.........but anything more than that should be based on if test scores are up, graduation rates are up and college acceptance rates are up.

Posted on: 2014/10/19 12:36
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Re: sourcing ingredients in or around JC
#22
Home away from home
Home away from home


I was at TJs the other day in Edgewater and they had saffron. It looked amazing...i think for about 4 or 5 bucks. :)

Posted on: 2014/10/19 12:31
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Re: St. Anthony High School Flea Market & Car Wash
#23
Home away from home
Home away from home




Bodhi all you had to do was ask how i came to my conclusion instead of sighting all those hypotheticals......which makes me to understand that you already believe that some how i wronged those upstanding young men.

It makes me not really want to answer your question....but here goes. And for your information, I won't reply to anything here after regarding this.


They said it themselves, out of their honest and truthful mouths. One went so far to relate how a week or two ago...he brought a ticket but had no intention of stamping it.......and a few stops later ...the fare inspectors boarded...he quickly ran out and stamped it. He went on and boasted how, "I ain't getting no ticket" over and over again.

My previous encounters with these boy scouts were the same. Although one of them did pick up an old ticket and stamped it many times hoping it would some how come back to life. See?! Never give up!

Bodhi isn't it funny how you didn't ask me how i knew they were football players? Did i make them do drills? Did i pull out a piece of paper and draw X's and O's and ask them what the pretty pictures meant?

I'll give you one more example. The other day 7 or 8 girls from Ferris were standing next to me on the platform having earlier emerged from Newport. They were screaming and harping and being as you surely would put it being "musical". One of them was hollering "Y all better get your tickets". At this point the train was 2 minutes away. Since the time of their emergence not one had bought a ticket at the machine nor stamped one. The leader of this angelic pack...warbled deafeningly, "I ain't buyin not tickets as she rudely jumped in front of me as the train pulled in and ran inside followed by the courteous herd" Could some of them had a pass? Sure. But that reality was quickly shattered....when they nervously looked about as we pulled into each station.......and some crowed that they were not getting no fine. Just to let u know how wonderful these angels were they took up the back of the car......and every time new passengers came they quickly retreated to another part of the train even though their were seats. Why? Because surely the notes coming from the mouths of these babes.........would make a cold heart break out in tears. Bless their kind hearts.


Oh i almost forgot. The leader of this band as the train was about to pull in had jumped down on the track and waited 5 or 6 seconds before jumping back up.....making the train driver screech his horn loudly as he was given the light to proceed into the station.

Posted on: 2014/10/10 15:23
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Re: St. Anthony High School Flea Market & Car Wash
#24
Home away from home
Home away from home




I wonder if St Anthony High School helps teach their kids basic manners.

Several times coming from work i have been met with loud, rude st. Anthony Football players on the light rail. And of course none of them paid for their tickets.

The only school kids worse are kids from METS Charter school...followed by Ferris and close behind Lincoln.


Posted on: 2014/10/9 15:22
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Re: Ahris Kitchen: Korean food in downtown Jersey City
#25
Home away from home
Home away from home


Quote:

Ok Asif, included in the possibles is tteokbokki, our favorite street food in Seoul.



Yippee skippee!

Posted on: 2014/9/19 11:00
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Re: Iphone 6 at ATT Newport
#26
Home away from home
Home away from home




RadRyan03, i totally agree. The only pros of buying an iphone is the OS and all the apps that come in that environment and the screen and camera are really awesome.

Tmobile wanted me to pay for a new phone after my old Samsung Gravity started to malfunction. I convinced them to send me a new phone(it was like pulling teeth). I even told them to just send me a new(same model that i currently had) Gravity. I was happy with the phone didn't' care for anything fancy.

They sent me a 2013 Samsung Light for free and gave me free data without me having to resign a new contract. I still have no idea how to use it besides calls and texts but it does just about everything that new Iphone does. :)


Ps. I luv velcro shoes...and no i am not in a cult.

Posted on: 2014/9/19 10:52
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Re: Ahris Kitchen: Korean food in downtown Jersey City
#27
Home away from home
Home away from home




Please don't forget about the Tteokbokki ... pretty please

Posted on: 2014/9/18 14:45
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Re: LIGHT RAIL EXTREMELY LOUD BELL SHOULD BE STOPPED
#28
Home away from home
Home away from home






The bells need to stay. As someone who rides the light rail all the time. I can't tell u how many people don't pay attention to an on coming train. This includes kids, to the old, young adults and yes....even people with baby strollers and young kids. (SMH)

Just this week, i have seen 3(one guy escaped injury by 2 or 3 feet) near misses. Also, many people are glued to their cell phones or headphones or other devices.......that NJ Transit needs those loud horns.

Oh the idiots my eyes behold. :(

Posted on: 2014/9/11 9:23
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Re: LIGHT RAIL EXTREMELY LOUD BELL SHOULD BE STOPPED
#29
Home away from home
Home away from home






The bells need to stay. As someone who rides the light rail all the time. I can't tell u how many people don't pay attention to an on coming train. This includes kids, to the old, young adults and yes....even people with baby strollers and young kids. (SMH)

Just this week, i have seen 3(one guy escaped injury by 2 or 3 feet) near misses. Also, many people are glued to their cell phones or headphones or other devices.......that NJ Transit needs those loud horns.

Oh the idiots my eyes behold. :(

Posted on: 2014/9/11 9:23
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Re: Ahris Kitchen: Korean food in downtown Jersey City
#30
Home away from home
Home away from home




Im assuming that you guys have a shoe string marketing budget. Even though i have no doubt that you guys will make your kickstarter goal, it wouldn't hurt to maximize any additional funds raised beyond your goal.

After getting hooked on Kdramas, i wanted to try Korean food so bad. I looked around and found a blogger named Maangchi. I learned to maker her Tteokbokki recipe. Even my family who had no clue about Korean food luved it.

She basically luvs down home Korean cooking. And maybe she is willing to give you guys a shout out. She has a massive following and luvs to promote Korean Cuisine and culture.

Here is her contact info:

http://www.maangchi.com/contact



Ps. I hope am not being intrusive...i am sure you guys have your own plans and visions........and i have no doubt you will make it work.

Posted on: 2014/9/2 20:26
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