Approach advice for a newbie?

Hi All - First of all, thanks to everyone who shares their stories and advice on this board. It's a tremendous resource that I could not be happier I've stumbled upon.I've been reading for several days and wanted to see if anyone has advice on my approach My baddies and questions are below: Bank of America - Charged off credit card
Given the limited success on the boards for BoA PFD, I figure the best approach here is to PIF then GW. This is reporting monthly and affecting util, so at this point I'm just hoping to stop the hemorrhage.
- One question: I spoke to two CSRs who stated they could not e-mail payment confirmation receipts, only provide verbal confirmation numbers. Should I just proceed and pay with a credit card in case I need to dispute down the line? Or should I approach PIF another way? Verizon - Collection accounts that are not mine (likely mixed up with dad who has same name). Verizon asked for fax of Drivers License and W-2s to prove I did not live there. I figured I should send the info and if it's not cleaned up in 2 weeks, dispute with the CRAs as well.
- Question here, is faxing ok or should I CMRR? Medical Collection - OC will not PFD but will accept payment. I'm going to send CA a PFD request and if they reject, would follow up with a request to reconsider as I'll otherwise pay OC directly and they would receive no commission.
- Question for this, should I CMRRR or is snail mail (or even fax) ok? I also have 3 debts that are not reporting at all. I'd like to reach out to the OCs to PIF but am worried that it will result in new PIF derogs. I realize there would be no way around this for an OC besides GW, but if a CA did so, would there be a basis to dispute if I retain copies of receipts/CRs showing they reported after the fact. (This is all assuming CAs don't own the debt) The biggest one is an Amex charge off. I'm thinking of PIF even though they've offered to settle substantially in the past (though no contact in a long time). I'm hoping preemptively reaching out would help as I'd like to re-establish a relationship in the future. Though not oasis as its gardening time from here on out Thanks in advance for any advice!!

Daybyday wrote:
Hi All - First of all, thanks to everyone who shares their stories and advice on this board. It's a tremendous resource that I could not be happier I've stumbled upon.I've been reading for several days and wanted to see if anyone has advice on my approach My baddies and questions are below: Bank of America - Charged off credit card
Given the limited success on the boards for BoA PFD, I figure the best approach here is to PIF then GW. This is reporting monthly and affecting util, so at this point I'm just hoping to stop the hemorrhage.
- One question: I spoke to two CSRs who stated they could not e-mail payment confirmation receipts, only provide verbal confirmation numbers. Should I just proceed and pay with a credit card in case I need to dispute down the line? Or should I approach PIF another way? I dont know what you would dispute after payment but a CC payment is a wise move, give you a record of payment with little chance of comeback as non paid and having to deal with a CA. Verizon - Collection accounts that are not mine (likely mixed up with dad who has same name). Verizon asked for fax of Drivers License and W-2s to prove I did not live there. I figured I should send the info and if it's not cleaned up in 2 weeks, dispute with the CRAs as well.
- Question here, is faxing ok or should I CMRR? Fax is legal way to communicate you can get a print out of fax conformation it was received its just as good as CMRR Medical Collection - OC will not PFD but will accept payment. I'm going to send CA a PFD request and if they reject, would follow up with a request to reconsider as I'll otherwise pay OC directly and they would receive no commission.
- Question for this, should I CMRRR or is snail mail (or even fax) ok? Fax is what I would do and if you send it via mail dont send CMRRR to a CA they use drop boxes a lot of times and will not sign for them. If the CA wont agree to the PFD google the HIPAA Process and contact its creator for help. I also have 3 debts that are not reporting at all. I'd like to reach out to the OCs to PIF but am worried that it will result in new PIF derogs. I realize there would be no way around this for an OC besides GW, but if a CA did so, would there be a basis to dispute if I retain copies of receipts/CRs showing they reported after the fact. (This is all assuming CAs don't own the debt) You need to ascertain that the OC hasnt engaged a CA before you pay if they have engaged a CA you need to get them to recall it prior to payment or the CA can just report it as a paid collection. The biggest one is an Amex charge off. I'm thinking of PIF even though they've offered to settle substantially in the past (though no contact in a long time). I'm hoping preemptively reaching out would help as I'd like to re-establish a relationship in the future. Though not oasis as its gardening time from here on out Thanks in advance for any advice!!

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I'm a real newbie to Java. I just started playing around with it last week.
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Hello
I was wondering if I could get some suggestions for getting started in video with Logic Pro . I've had it for a month and I'm getting a basic feel for it and I wanted to try something with pictures .I don't have a video camera and I've never used iMovie before but I have lots of pictures in iPhoto can I put a slide show together with iMovie and use it with Logic .
thanks
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Hi
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Advice for a Newbie

Hi,
Help needed.
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Hi Everyone,
I travel frequently, and am looking for suggestions to keep all my iPhoto libraries up to date. I currently have a g5, Powerbook, and Mini.
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Now while on the road you can have a "normal" library to import new full sized files, keyword them, add comments, etc. and then transfer to the G5 library. Once in the G5 library they will be represented in a roll(s) and corresponding folder in the Originals folder. You then fire up the "alias" library, and import those new folders in the G5 Originals folder.
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HT204053 Is it possible to have two (or more) different icloud mail accounts (not alias) under the same apple id? If not what is you best advice for all family members to have their own e-mail and still share the purchases under the same apple id. Thanks

Is it possible to have two (or more) different icloud mail accounts (not alias) under the same apple id? If not what is you best advice for all family members to have their own e-mail and still share the purchases under the same apple id. Thanks

mannyace wrote:
Thanks for the response.
So I basically won't run into any trouble? I
There should be no issues. Its designed to work like that. You don't change Apple IDs just because you get a new device.
mannyace wrote:
Thanks for the response.
Is there any chance that the phones can fall out of sync?
Unlikely. But nothing is impossible. Though I don;t see how that would happen. As long as both are signed into the Same Apple ID / iCloud Account they will be N'Sync. (Bad Joke)
mannyace wrote:
Thanks for the response.
If I get a message or buy an app or take a photo on the iPhone 5, how do I get those things onto the iPhone 6?
If you buy an App, you have 2 ways to get it to the iPhone6: If Automatic Downloads is enabled in Settings->iTunes & App Store, it will automatically download to the iPhone 6 when you buy it on the 5 and vice versa if you buy it on the 6, it will download to the 5.
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SMS Messages will sync over using Continuity as long as they are on the same Wifi network. Otherwise, restoring the iPhone 5 backup to the iPhone 6 will transfer all messages received up until the backup was made onto the iPhone 6.
Images, can be transferred either through Photo Stream
My Photo Stream FAQ - Apple Support
Or any Cloud service you want such as Dropbox, or One Drive.
mannyace wrote:
Also, something i forgot to ask initially: Should I update the iPhone 5 to iOS 8 first or does that not matter?
If you want the Continuity features as explained above you need to update the iPhone 5 to iOS 8. Otherwise its not all that important.

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Therefore, can anyone give the advice for the real performance advantage of using :
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LV8.5 with Vista over LV7.1 with XP
LV7.1 with Vista over LV7.1 with XP
New computers detail:
Intel(R) Pentium(R)Dual-Core processor E2160
BCH-P111 -1.80GHz, 1MB L2 cache, 800MHz FSB
2GB RAM
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Best Regards
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