Is there anyone you feel particulary GOOD about filing Ch. 7 against?

[stephanie4686]

Target has especially nasty collectors, but I felt was glad to be rid of cap one.

[LifeNLemons]

Wells Fargo Financial - Auto Finance. I practically begged for their help prior to filing BK and they flat refused and were very rude about it. After BK they tried to reaffirm the loan (after telling me I wouldn't be able to). I had already bought another car, so I took great pleasure in telling them "oh hell no!"
Just to prove what idiots they were, they had me fill out paperwork telling them where the car was located. Then they sent the repo man to my OLD address. Morons!

I was glad to give them the shaft so to speak.

[my4devils]

For me it was a home health care agency. When I was pregnant with my last son, I threw up so much I needed a PICC line for 24 hour infusions. The nurses who came were all wonderful but this company has some issues. When they would call for a supply update- I would very specifically tell them what I needed. They proceeded to send me 3-4 times that amount. Once it was in my posession they wouldnt take it back. When all was said and done, even after insurance, I owed over 3k. I called several times for an itemized bill- but they refused and only ever sent me a balance due. I told them repeatedly that I would not pay a dime until I knew exactly what I was paying for. They also refused a payment plan. We actually hadnt heard from them in a few months. Ironically, a CA called the day after we filed. I am ashamed to admit if felt good to give them my BK info.

[millerc507]

For me, Citibank. Yes, we made irresponsible decisions. However, every time we could come close to our limit, rather than cutting us back, they would up our limit. We paid mine off. However, both my husband and I had $25K limits before we were 30. It was like giving alcohol to an alcoholic. Then when times got tough, at the first late payment the rate went from 9.9% to 27% after more than 10 years of excellent payment history with them.

[Teddy]

I'd have to say BOA, although it might have been MBNA when the same thing happened to me as pa308 - they kept upping my limit then whamo, my interest was raised thru the roof and they wouldn't do anything at all. I put it on a debt management plan for 6% interest but had to pay $193 a month and now I'm glad I'm filing on them! I only wish I'd have done it sooner.

[wtu]

Hmm...I would probably have to say that I was glad to include Cross Country Bank (Applied Bank now). CC companies will always have the deck stacked against you, and they are more than ready to push high fees, interest rates, etc onto their debtors. The only way the consumer will win is to stop playing the game. I know that now, I sure don't know why I didn't think about that earlier. Probably because I was in the "easy money" mindset. For a long time I used credit responsibly, but, then over the course of a few months with unexpected expenses I was in a big hole and it took me over two years to figure out I was never going to get out of it.

[CountryGirl]

I hate to say it but I really am not too overly concerned about bailing on BofA. We had contacted them about our home mortgage, made a plan with them very much in the loop, and when it can time, they bailed on us giving all kinds of different explanations. The bottom line was the market scared everyone into not writing mortgages and that was thier problem not us, but we got screwed from it. Even though we have NEVER been late on a house payment in well over 15 years. I know we are not the only ones, but not being able to get a mortgage devastated our finances. We really did plan and talk to all the "experts" before moving forward........(CountryGirl wanders away mumbling under her breath and shaking her head.)

[AngelinaCat]

American General. We had a loan with American General and they held two car titles. One car burned up, and the other blew an engine. They were crafty enough to send a reaffirmation agreement all filled out, except for signatures, to our Trustee, not the attorney. At our 341 he gave it back. We took it and shredded it. I think they thought when handed by the Trustee, we would sign it.

[PoorGrammyinBK7]

Former business landlord/scam artist

[magyar123]

Citibank - On the evening of Sept. 10, 2001 I mailed off a payment to Citi. Because of what happened on the morning of the 11th that payment did not go anywhere until planes started flying again. Got there sometime the following week. Got hit with a late charge. After trying to plead my case - up until that time I was NEVER late, with the explanation, all those scumbags said that I should have paid it online and NEVER reversed the late charge. In 2004 I burned them to the tune of over $7500 in my Chapter 7 filing.

[rickisbroke]

Bank of America for sure. They didn't want to work with me when I was struggling, and I owed them the most. Three accounts, actually. The rates went sky high after missing a payment by a day once, late fees were high, and terrible customer service.
Capital One because, for some unknown reason years ago, they changed things and my minimum monthy payment doubled. It wasn't interest going up, it was just what they required for a minimum payment by their new rules.
The best one, however, was the law firm I first filed a Chapter 13 with. They were hard to work with and hard to get ahold of when my situation changes, I couldn't make the plan payments, and needed to file Chapter 7. I think I stiffed them for about $1500. Hahahahaha.

[exhausted]

Next in line was Labcorp, who got unbelievably nasty over a bill of only $100.

My husband and I had problems with them too for a bill that was a little over $100. When we first got the bill, I called and asked if we could make payments. I was told, "Sure, just as long as you have it paid off in within 5 months, we won't report it." I had made one payment (took the total and divided it by 5) and they started sending the nasty-grams in the mail. It wasn't a huge deal because they were the least troublesome of the collectors.

As for the original question, that would have to be the place that did an MRI on my husband's hand (he fractured it). Our insurance only paid about $300 leaving us with $1,200 to pay. Like usual I called them to tell them that we couldn't pay it all at once, but that I could make payments. They said it was fine, and that they wouldn't report it as long as we were making payments. I had made two payments to them. One day I got an e-mail alert from our credit monitoring, and sure enough, there it was. I kept making payments, and yet every month they would call. The first woman I spoke to was very nasty and asked a lot of questions that were none of her business. I put forth an honest effort to work with them and just when I thought things were settled, they would call again demanding we make payment in full. I would then have to repeat again what agreement was reached from the prior 100 phone calls. The last time they called, of course the collector started off with that smug attitude before I barely got, "Hello" out of my mouth. It brought me so much pleasure to tell that woman that we filed and here's our attorney's info. It was amazing how fast her attitude changed once I told her we had filed.

Add another BoA to that list. Though I don't exactly feel good about it, I don't feel bad about it either. They lowered our credit limit due to THEIR mistake. Once it was corrected, they said they would put it back where it was prior to the mistake after their next review. By then it was too late. It lowered our income to debt ratio, and the other CC companies noticed this. In turn our rates started to rise as did our payments, which helped push us on into that black hole we are all too familiar with.

[sunshine mary]

BofA for sure ! They were the WORST people to deal with and I hope they go under.

[Runnin on empty]

BOFA, MBNA and Citibank for sure. As others have noted, yes, it was our own poor decisions and lack of money management that put us in the situation to begin with, but they surely didn't help. I can't begin to say how many times we'd get close to our limit, and rather than dialing things back, they'd just give us another $3K-$5K limit increase. In this regard, I don't feel bad for these mega-banks, because all they had to do was pull a credit report and they would have saw that while we were making all minimums every month, we definitely were in way over our heads.

That's another thing. We had credit scores in the 700s (mine was high 700s), we always paid our debts (even if just the minimum) for well over a decade, and the first time we were more than a day late, our rates went from sub 10% to over 30%. I'm agnostic, but I sure hope there is a special place in hell reserved for those #&@$heads.

The only one I feel we should have "IIB" and didn't (other than the house, but my wife was adamant we keep it) was Wells Fargo Financial. We have some furniture financed through them, 0% interest, never been late, as a matter of fact, will be paying it off 6 months earlier than expected in November, yet they report that it was "IIB" on our credit. Jerks. I'm going to see if we can get that fixed, but I won't hold my breath.

I feel bad about one debt though. It was through my former employer's credit union that was taken over by a larger, local one. My loan was given to me on nothing more than a handshake. The gentleman who approved it is long retired, but I still have big pangs of guilt every time I think about it.

[Nodebtnow]

I really nailed it to Equity One finance..My wife and I fell into some hard times for about two years and were barely scrapping by, like many other americans..I called them and told them about our situation and stated that I could only send in about $100 of the $165 payment...I thought it was good on each end according to the branch manager. 2 months later they tried sueing me for the entire balance approx. $8,000..even though I was only about $130 in the hole..Needless to say they didn't get crap..