Dyck O Neal

I owe Dyck O Neal (ca) 40k from a promissory note with the last short sale in florida (deficiency state). The short sale was negotiated by PMI and eventually passed on to the CA. After 5 months they want to offer only 50% (20k) and will not budge in inspite of repeated pleas and bargaining.

Any experience dealing with this collection agency? Whats the difference dealing with settlement thru credit cards vs promissory note from a short sale?


Sub: #1 There Are
Thu, 04/26/2012 - 15:49

These people at Dyke are complete idiots,They have the power to screw with your credit as well, I have never missed an automatic debit payment and they constantly claim even after I have supplied proof and they say they want more proof. Just bend over and take it. losing propisition:rolleyes::rolleyes:

Posts: 6
Credits: 337.95

Sub: #2 Dyck Oneal
Thu, 11/17/2011 - 03:56

Well things have changed for the worse now. I looked at another credit report from equifax and that is where they reported it. So it wasnt under all credit reports. I am 120 days past due and in a hole I feel like. I guess the most I can do is either 1.) try to back pay what I owe.... ugh 2.) keep making my normal monthly payments. The one report just showed my mortgage going into short sale and thats it. Of course my credit is trashed now because of the short sale and my late payments on dyck Oneal.

Posts: 3
Credits: 250

Sub: #3 To #43 -- 1099c
Wed, 11/16/2011 - 19:24

Have you sent dickoneal a copy of the 1099c? Sned them a copy in certified mail and ask them to show the figures of the debt that was forgiven by the 1099c and to ask if the $50k note was taken into consideration.

Posts: 3
Credits: 250

Sub: #4 Not on your credit report? (Answer to #45)
Wed, 11/16/2011 - 19:20

If Dyck-O'Neal is not on your credit report, then what is your concern? Send them a certified letter not to call you anymore. And wash your hands of it.
What short sale did you mean was wrecking your credit? What is on your credit report, if not dcik o'neal?

Posts: 3
Credits: 250

Sub: #5 Credit Reporting after SOL
Wed, 11/16/2011 - 19:16

Just an FYI, the statute of limitations limits the length of time that the debt can be taken to court.
Even after the SOL expires, the debt will stay on your credit report.

Posts: 6
Credits: 337.95

Sub: #6 Dyck
Wed, 11/16/2011 - 07:48

I am in a situation as well with Dyck Oneal. I am behind my payments and they offered to settle for 50%. (which would roughly be around 7k) I dont have 7k laying around and I know the banks will not give me a loan to pay this off because of my credit being destroyed by the short sale. I noticed someone earlier stated something about the 1099 a/c and how they can come after you. I never received a 1099 a or c and it has been around 1 1/2 years thats past so far. When I talked to Dyck O'neal, they said nothing was reported to the credit bureau and wasnt too sure why. I looked at my credit report recently, nothing on my credit report shows anything from dyck o'neal, not even a balance or anything. (again my short sale was around 1 1/2 years ago) Do I have any options at all?? When this short sale took place I was all new to this and my Realtor knew nothing about this as she was new as well. I didn't even know I could get an attorney. (dumb on my part I guess) Please help as any insight is greatly appreciated.


Sub: #7 I received a call from them yesterday (5/24/2011) in an attempt
Wed, 05/25/2011 - 10:28

I received a call from them yesterday (5/24/2011) in an attempt to collect a debt for HomeSaver Advance that I thought was wrapped into the Loan Modification that signed with Bank of America 12/2009. Apparently Countrywide farmed out a loan unsecured, according to O'Neal 7/2008. I thought everything was all wrapped into the modification but not this unsecured loan that O'Neal owns. I contacted BOA thinking this was some sort of scam. Someone with BOA that was there when it was still Countrywide stated that this is legitimate. Wow...what a mess. Just when I thought that I was finally on track. The amount which O'Neal states was a little over 5,000 is now a bit over 7,000. I reside in Maryland. I wish I did live in Georgia. Perhaps I would have some recourse.


Sub: #8 I forgot to mention that I live in NY and so is the short saled
Wed, 03/09/2011 - 17:35

I forgot to mention that I live in NY and so is the short saled house. I am #42


Sub: #9 I am dealing with Dyck O'Neal from a short sale in 2010.? The la
Wed, 03/09/2011 - 17:14

I am dealing with Dyck O'Neal from a short sale in 2010.? The lawyer"s office said that
I would be able to proceed with the short sale unless I signed the promissory note for $50,000. I received a 1099-c form for $180,000 the house that had short saled for $210,000. the house was purchased for $371,400. the figures didn"t add up so I ctarted making phone calls to Countrywide, now Bank of America, Radian, and the lawyer that handled the short sale, asking why I had to pay the extra $50,000. The mortgage company said they had no record on their computer of Radian. Dyck O'Neal said that I should tell the bank they made a mistake with the 1099-C and have it corrected that it should be less the $50,000 that is owed to them. I think they are ready to take me to court. I said I will fill out a financial statement. They sent me a copy of the promissory note and the current amount I owe. I feel that they should contact the bank and hash it out. I even told countrywide the person who was mentioned on the promissory note form BAC. What do you recommend?


Debt Samaritan
Posts: 2885
Credits: 38048.88595291

Sub: #10 Exactly. You need to send them a cease & desist letter, CMRR.
Mon, 02/21/2011 - 07:31

Exactly. You need to send them a cease & desist letter, CMRR.

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