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  • Open Question: 401k transfer of funds tax advice?

    So I have a unique issue and my bank said I should consult a tax professional for which I plan on doing probably no matter what I get as an answer to this question. But I asked the question as to where I should get tax advice for it and everybody wanted more detail to solve it so I'll give it a shot. I had a 401 for a previous employer with like 10k in it. When I left that company the bank rolled it over into an ira. A year later I decided I should take the money and roll it into what was my current employers 401k plan. So I filled out the necessary paperwork with the bank and they sent me a check to give to the holder of what was my current 401k. This happened in December 2009. Well I never ended up giving the check to what was my current employer as I got fairly busy and ended up switching jobs again. At the current time I wish to take the money out as cash to pay off my credit card bill which has gotten rather high during this bit of transition. Thing is the Bank closed the IRA when I asked for the check in 2009 and reported it to the IRS even though it was never cashed. They said I could fill out paperwork open another IRA with the money then cash it out. They told me they think that I should have filed this on my 2009 returns but I did no such thing since the money didn't change hands from my perspective in 2009 I just received a check that was never given to anyone so no money changed hands, not to mention I wasn't going to attempt to cash it then just roll it over so there wouldn't have been any changes in income even if cashed. Anyway the question is do I have to file an amended return for 2009 stating that that account was closed? If not, I should be good to open up the new IRA with the same money then cash it out and file it on my 2010 return I think. ok... I'm ok with the penalty... But the check is no longer good and the bank is telling me I need to open another account to get the money. So if I open another account then cash it out does that count as withdrawing the income twice? I'm ok with having to file an amended return as long as I get the money. also my conversation with the bank said that the 60 day rollover rules does not apply to direct rollovers or direct transfers

  • Open Question: should I pay my bills, not pay, or settle?

    I'm a 24 year old california resident. My father started a credit profile on my social security when i was 13 on a fake name. I caught him when checking my credit report. He paid all the debt off, but what I had left was an extremely good credit score when i was 18. i applied and applied for credit cards when i became 18 to collect airline miles. i collected nearly 800,000 airline miles through that and I did some amazing travelling. i had a good income coming in, but then my business crashed but slightly recovered, however, my girlfriend is a shopaholic, and I kept buying her stuff. i bought five new cars in my life. i'm 24. i just graduated college. i have $168,000 in debt. I have an income of about $7500 per month after taxes which is really good, but most of my money is going to debts, and I have to live at home with parents and have an ok living. I look at my minimum payment warnings, and they say it will take 32 years to pay off. I have three options. Option 1 is to not pay. Being self employed, I have the ability to dodge collectors and court actions especially since I can go to another country. I meet the requirements to get permanent residency at Spain, UK, or Canada. I can make the same amount of money anywhere. I can probably even stay here in California, and get away since I have foreign bank accounts. My other option is to settle my debts, but I don't know what amount card companies will settle for. My other option is to keep paying the debts on time, but it will take 32 years to pay off. I can also do bankruptcy, but given statue of limitations, and the ability to not pay bills, I rather just hide than to declare bankruptcy publically. I'm also worried that my parents will find out about this. How do I explain 168,000 dollar debt? - What if they ask me to do something that requires me to run my credit. All I can do is put a freeze on my credit report so nobody can check. I also can rent an apt right now with the good credit I have and stay in it until my credit recovers. I see no reason for moving in the future. I'm young, and I'm sure I can stay in an apt until my credit recovers which can take up to seven years.Sometimes, I'm worried about my parents finding out, and I want to commit suicide. i have no morals. atheist. i believe in helping others so i can benefit back myself in some way. i don't do it for the goodness of my heart cuz i don't believe in it.

  • Open Question: Employer retracted a job offer, What can I do?

    I was offer a Job with a Financial Company and a few days later the offer was retracted. Here are the details. Day after interview, Company called to offer me a position, I accepted (verbally). HR stated an offer would be sent to me in the mail and I was suppose to complete the fallowing paper work and bring it in on my first day. Received offer, Filled (signed) out documents with offer. Along with offer there was a statement I needed to fax in so they could conduct a background check (Faxed it in same day) 4 days Prior my first start day they called me and said Due to my Credit report the offer is No longer up. So more info. Lost my job awhile back (3 yrs or so ago) and couldn't find a job that paid enough for me to pay my mortgage and living cost. Ended up using my credit card a lot (building up debt). Time past still couldn't find job so I became self employed (independent Contractor) for about 2 yrs. Didn't really make a lot of money but enough to pay the mortgage and living cost. Credit Card Bills went unpaid. Saving Chapter 7 Bankruptcy for when I 100% need it. Is the job offer retraction legal? I read in a few places stating that once the offer is made on paper they cannot take it back and others say if the hiring process isn't complete they can retract it.

  • Open Question: I was asked for credit score, is that real?

    I am pretty skeptic about this, but this is the email i received posting was on craigslist for a receptionist in a lasik eye care center, the posting listed hours mon-fri 9am-4:30, and the duties and the pay, all the asked for was a confirmation # that i got my score and they would set up the interview and to bring report to interview, also noted to contact him for more info. company website didn't work, so I don't know. Great news! We’ve reviewed hundreds of applications and we’d like for you to come in for an interview. Please follow instructions carefully, as we go through our company’s process for hiring employees. We take our client’s privacy and safety very seriously, and we are REQUIRED to run credit and background checks during our hiring process. While the background check can be done during the interview, we use the credit check to filter out semi-serious interviewees. Click here to get your credit report, free of charge. Of course, we will not ask you to transmit ANY personal information over email. Just send us the verification number so that we can confirm that you got your credit check, and make sure to bring the credit report to the interview. Don’t worry—your credit score will not affect your eligibility. That’s it! E-mail us the verification number, and we can set you up for an interview immediately. If you have any questions about the process, feel free to ask. --- Christian Howe, Staff Manager Drake Lasik Inc. www.drakelasik.com Thanks for your input the acutual site for the credit report was a real one that offers the free 7 day trial(all 3 credit score companies), I called them, but I'm not so sure about the job...ugh...i'll just leave it alone Yes, I googled the company too and I didn't send them anything. That's the first thing I did was check that website and googled the company. He didn't even leave a contact number. I'm in the portland area if this answers your ? are you?

  • Resolved Question: Dealing w/ collection agencies?

    I recently got a call from a debt collector about an old credit card I owe on. He said they were going to sue me if I didn't call them by a certain time. So I called them and he had me so scared I worked out a payment plan with him even tho I do not have the money to be paying it off right now. After I got off the phone I checked my credit report and the ammount it said I owed was 900 dollars less than what he told me. I called him back and asked him about this and he said it was interest and penalties and he couldn't send me a statement saying why there is such a difference. Then he said if I didn't pay by the date we arranged they would sue me. So I said isn't the statute of limitaions up so that you can't sue me. And he said it restarted when the original creditor gave them the account. Is this correct? I thought it was from the date u stopped making payments. I'm so confused, how can I find out how much I owe if they won't tell me? Why is there such a difference between the credit report and what the guy is telling me? Can they sue me it has been at least 5 years since I have made a payment? I am supposed to call him by tomorrow about making a payment and I don't know what to do. I'm scared I won't have the money to even make the second payment and that if I make even one they will for sure be able to sue me... I didn't give them my checking account # but I gave them a my debit card number that had just been cancelled by my bank ( a new card and was in the mail) They told me to call with the new # when I got it. But I haven't given it to them yet can they get my new number or checking account number from my old card?

  • Open Question: how to report a bad tenant/sub-leasee?

    This past April, my boyfriend and I moved in together and instead of officially breaking his lease, in order to help out my friend who had just moved to Seattle (from TX), allowing her to sub-lease his unit and fulfill the lease on his old apartment so she wouldn't have to pay the expensive deposits, credit check fees (which she wouldn't have passed due to lack of work history), and all other additional fees associated with obtaining a rental in Seattle. Just a flat $700 per month, nothing more. Last night (the night before this month's rent is due), she announced that she was moving out that day, leaving us stuck with this month's rent. She has lived in this unit for five months, with one month remaining on this lease that we are ultimately responsible for. Do we have any recourse, outside of taking her to small claims court, in order to at least warn future landlords of her actions? Any direction in this matter would be greatly appreciated. ...and no, unfortunately we did not get anything in writing as it was a favor to a long-term friend (7+ years) who had not given reason to not trust them with this situation. RE: Deposit: Nope, the only thing that we got from her was monthly rent. As previously stated, this was was basically an act of kindness on boyfriend's part, so he didn't ask for anything up front, just had her continue paying the monthly rent. I just learned that when he had moved in a couple of years back, he had to pay a deposit equal to a month's rent plus an additional "cleaning deposit" of $300 on top of his first month's rent... meaning that on top of this month's rent, he is also out an additional $1000 from the initial deposits and the like. To "Landlord": Thanks, I really appreciate it. We just found out that she had been smoking in the unit, it was explicitly stated in the lease all smoking was to be outside of the unit, in the designated smoking area. Boyfriend is going over to speak with landlord after work today to explain situation, while I go on the equivalent of a pregnant woman's cleaning frenzy, and we are going to attempt to make payment arrangements with the owner of the unit, as well as clean/repair any damages done. Landlord, as my boyfriend had been an ideal tenant prior to our sub-let agreement, and all payments have been on-time for the past 22 months (and the owner is actually a pretty cool guy), what do you think our chances are of his accepting a temp agreement of paying out the remaining monies owed (over a span of 3 months for example) as well as free marketing/screening of potential tenants for this unit, as well as have it ready for move-in within the next 4 days?

  • Open Question: Can I sue Sprint for not giving me info regarding social security?

    I walked into Sprint yesterday to buy a HTC Evo. Then they ran a credit check and told me that I was approved for three lines. The account was then closed because someone with a Sprint account is using my SSN. I called Sprint and they told me to fill out a fraud packet and send it them. On the packet it says to obtain three things; police report, ID, and proof of residency at the time of the theft of my SSN. I can't get a police report because I don't have sufficient proof to bring my case into an investigation. I called Sprint and they told me they cant give me any information on the account because of privacy reasons. I sent the fraud department a fax of my DL and my Social Security card. They still were unable to release any information to me. Is it possible to sue for withholding information that regards my social security?

  • Resolved Question: When does Human Resources start to perform a background check?

    I already had two interviews for the same company. The second one was the final one. At what point does HR perform background checks? Besides criminal history, credit reports and employment verification, what other information do HR background checks consist of?

  • Open Question: Can a collection agency legally do this?

    I am 20 years old and have had two loans out under my name, both of which I paid off and made every payment on time and I am in good standings with the loan company! I got a wild hair up my butt to check my credit report to see if they had shown up on there because I had gotten the two small loans to help build my credit! Well the two loans show up and everything is great but I noticed That I had one other thing on my report for $600 from TRACKERS INC which I found out is a collection agency! I call the number and they ask for my SSN but I only gave them my name and address which they were able to use! They said the collection was for a medical visit i had when i was 16! And my mother had call them when my father died sometime after and notified them of his death! Isn't illegal for a collection agency to try and collect on something that occured when i was a minor? any help on what I should do to remove this from my credit report?

  • Open Question: Weird Info In Credit Monitoring?

    I requested that Chase increase the limit on a credit card and they denied me. In their denial letter, one of the reasons that was cited was that the available credit on my bank credit cards are too low (I guess a high balance to credit limit ratio). Knowing for a fact that I had a balance of less than $1,000 on two cards whose limits added to $10,000, i went to truecredit.com to see if any unauthorized accounts were open without my knowledge. I checked the "3 bureau report" and saw that only the two actual credit cards were showing on my report. One was labeled a "credit card" and the other, which I initially started 6 years ago as a secured card with a deposit of $500 (I got my deposit back after 1 year and now the credit limit is $7,000), was labeled by two bureaus as a "flexible spending credit card." The reports also showed that "available balance... too low" was negatively impacting my credit score but listed a combined balance of $987 on the two credit cards (combined limit of $10,000). Does anyone have an idea of what if causing this? Thank you! Reconsideration letter? To Whom? Requesting reconsideration for what? By the way, I was subscribed to "freecreditreport.com" until maybe 2 months ago (which I believe mainly uses Experian data). The website consistently cited "you have a good cushion of available credit" as one of the factors that raised my credit score.