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Gibson Trust ripoff con-artists took us for all we had Pompano Beach Florida
I started with Gibson Trust 2 years ago. I had been getting sporadic "late" letters from my creditors, but always referred them back to Gibson. My husband and I recently decided it was time to buy a house...image my shock at seeing my credit report - I couldn't even get a loan to buy a dog house - after paying Gibson $7,800.00 over the last 24 months, I now having nothing but a credit rating in the toilet and nothing in the bank to pay the creditors all that I thought they had been receiving up to that point.
So, what do I do? File bankruptcy and have to rebuild a credit rating over the next ten years before I'll be able to purchase a home of my own? Hire a lawyer that I can't afford? I'm 41...how do I start over? I'm so distraught that I have even thought of just ending it all...what's the point of anything if you can't even have the one thing that was promised to every American - a home of their own.
I just don't know where to turn -
Colleen
Menominee, Michigan
4 Updates & Rebuttals
Ronda
Edmond,Oklahoma,
Please hang in there Colleen!!!
#5Consumer Comment
Sat, November 16, 2002
Colleen,
I have just read your report and feel so much pain for you. Please! Please! Do not do any thing to end it all!!
I know that it seems hopeless right now, but I have been there too and I know it will get better for you as it did for me. I want to tell you that It does feel horrible to have to file bankruptcy. But, if things are in that bad shape as it can get for alot of people.(You are not the only one)Then remember that at least bankruptcy can give you a new start.
After all, as with the rest of us, your credit has been ruined by the very people who claimed they would help you. You tried to do the right thing! Your credit is already ruined. Having a bankruptcy on your credit report won't be much worse than what you already have.
Please go see a bankruptcy lawyer and let them look at how bad your situation really is.
If it is determined that Bankruptcy is the only way out, Most lawyers for bankruptcy filings will take monthly payments for their fees. Look for one that does.
We had no choice but to go this route after Gibson Trust had taken over our accounts. We thought that using their service would prevent us from having to file bankrupcty. Instead, they contributed to our already large debt by making it larger because thay did not pay our creditors as they agreed they would.
I want you to know that there is hope and if you do have to go bankrupt to get out of the dreadful situation that you are in, it is not as bad as you think it will be. It will not take you ten years to own your dream home. Two years after a bankrupty you may get a home mortgage providing you have maintained good credit after the bankrupcty.
Good credit after a bankruptcy doesn't have to be credit card debt and not missing your payments.
Good credit can be never being late on your rent payments and car payments. You can still keep your car by resigning with the lender and keeping up with your payments. This will also rebuild your credit.
You will rebuild your credit and purchase your home. You will own a home!!!
There is always hope and never anything so bad that is worth doing something to end it all.
Please seek out support and friends that you can talk to about this.
If you feel you don't have anyone with whom you can talk about this, contact me via this report!!
Ronda
Edmond,Oklahoma,
Please hang in there Colleen!!!
#5Consumer Comment
Sat, November 16, 2002
Colleen,
I have just read your report and feel so much pain for you. Please! Please! Do not do any thing to end it all!!
I know that it seems hopeless right now, but I have been there too and I know it will get better for you as it did for me. I want to tell you that It does feel horrible to have to file bankruptcy. But, if things are in that bad shape as it can get for alot of people.(You are not the only one)Then remember that at least bankruptcy can give you a new start.
After all, as with the rest of us, your credit has been ruined by the very people who claimed they would help you. You tried to do the right thing! Your credit is already ruined. Having a bankruptcy on your credit report won't be much worse than what you already have.
Please go see a bankruptcy lawyer and let them look at how bad your situation really is.
If it is determined that Bankruptcy is the only way out, Most lawyers for bankruptcy filings will take monthly payments for their fees. Look for one that does.
We had no choice but to go this route after Gibson Trust had taken over our accounts. We thought that using their service would prevent us from having to file bankrupcty. Instead, they contributed to our already large debt by making it larger because thay did not pay our creditors as they agreed they would.
I want you to know that there is hope and if you do have to go bankrupt to get out of the dreadful situation that you are in, it is not as bad as you think it will be. It will not take you ten years to own your dream home. Two years after a bankrupty you may get a home mortgage providing you have maintained good credit after the bankrupcty.
Good credit after a bankruptcy doesn't have to be credit card debt and not missing your payments.
Good credit can be never being late on your rent payments and car payments. You can still keep your car by resigning with the lender and keeping up with your payments. This will also rebuild your credit.
You will rebuild your credit and purchase your home. You will own a home!!!
There is always hope and never anything so bad that is worth doing something to end it all.
Please seek out support and friends that you can talk to about this.
If you feel you don't have anyone with whom you can talk about this, contact me via this report!!
Ronda
Edmond,Oklahoma,
Please hang in there Colleen!!!
#5Consumer Comment
Sat, November 16, 2002
Colleen,
I have just read your report and feel so much pain for you. Please! Please! Do not do any thing to end it all!!
I know that it seems hopeless right now, but I have been there too and I know it will get better for you as it did for me. I want to tell you that It does feel horrible to have to file bankruptcy. But, if things are in that bad shape as it can get for alot of people.(You are not the only one)Then remember that at least bankruptcy can give you a new start.
After all, as with the rest of us, your credit has been ruined by the very people who claimed they would help you. You tried to do the right thing! Your credit is already ruined. Having a bankruptcy on your credit report won't be much worse than what you already have.
Please go see a bankruptcy lawyer and let them look at how bad your situation really is.
If it is determined that Bankruptcy is the only way out, Most lawyers for bankruptcy filings will take monthly payments for their fees. Look for one that does.
We had no choice but to go this route after Gibson Trust had taken over our accounts. We thought that using their service would prevent us from having to file bankrupcty. Instead, they contributed to our already large debt by making it larger because thay did not pay our creditors as they agreed they would.
I want you to know that there is hope and if you do have to go bankrupt to get out of the dreadful situation that you are in, it is not as bad as you think it will be. It will not take you ten years to own your dream home. Two years after a bankrupty you may get a home mortgage providing you have maintained good credit after the bankrupcty.
Good credit after a bankruptcy doesn't have to be credit card debt and not missing your payments.
Good credit can be never being late on your rent payments and car payments. You can still keep your car by resigning with the lender and keeping up with your payments. This will also rebuild your credit.
You will rebuild your credit and purchase your home. You will own a home!!!
There is always hope and never anything so bad that is worth doing something to end it all.
Please seek out support and friends that you can talk to about this.
If you feel you don't have anyone with whom you can talk about this, contact me via this report!!
Ronda
Edmond,Oklahoma,
Please hang in there Colleen!!!
#5Consumer Comment
Sat, November 16, 2002
Colleen,
I have just read your report and feel so much pain for you. Please! Please! Do not do any thing to end it all!!
I know that it seems hopeless right now, but I have been there too and I know it will get better for you as it did for me. I want to tell you that It does feel horrible to have to file bankruptcy. But, if things are in that bad shape as it can get for alot of people.(You are not the only one)Then remember that at least bankruptcy can give you a new start.
After all, as with the rest of us, your credit has been ruined by the very people who claimed they would help you. You tried to do the right thing! Your credit is already ruined. Having a bankruptcy on your credit report won't be much worse than what you already have.
Please go see a bankruptcy lawyer and let them look at how bad your situation really is.
If it is determined that Bankruptcy is the only way out, Most lawyers for bankruptcy filings will take monthly payments for their fees. Look for one that does.
We had no choice but to go this route after Gibson Trust had taken over our accounts. We thought that using their service would prevent us from having to file bankrupcty. Instead, they contributed to our already large debt by making it larger because thay did not pay our creditors as they agreed they would.
I want you to know that there is hope and if you do have to go bankrupt to get out of the dreadful situation that you are in, it is not as bad as you think it will be. It will not take you ten years to own your dream home. Two years after a bankrupty you may get a home mortgage providing you have maintained good credit after the bankrupcty.
Good credit after a bankruptcy doesn't have to be credit card debt and not missing your payments.
Good credit can be never being late on your rent payments and car payments. You can still keep your car by resigning with the lender and keeping up with your payments. This will also rebuild your credit.
You will rebuild your credit and purchase your home. You will own a home!!!
There is always hope and never anything so bad that is worth doing something to end it all.
Please seek out support and friends that you can talk to about this.
If you feel you don't have anyone with whom you can talk about this, contact me via this report!!