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Before the 90 Days Big Ed bankruptcy details from filings in 2004 and 2017



90 Day Fiance Before the 90 Days Big Ed Brown bankruptcy

90 Day Fiance: Before the 90 Days star “Big Ed” Brown might need to change his name to “Big Debt” Brown! The 55-year-old reality has had some serious money management problems over the years, resulting in two separate bankruptcy filings in 2004 and 2017.

The scoop on Big Ed being in the big red was first reported by @celebtm on Instagram. We tracked down the two bankruptcy filings and can add some additional details.

In the 2004 Chapter 7 filing, Big Ed says that all he had was $20 in cash and $63 in his personal checking account at the time of the filing. He filed for an exemption on $4,383 worth of personal property, including clothes, household goods, tools, and a $700 watch.

Big Ed claimed a total of $133,827.30 in secured and unsecured debt. Here’s the complete list of debts from the filing:


$13,000 – lien on a 2003 Dodge Neon STX with 45,000 miles.


$694.16 – Bally Fitness (1998)
$1,850.72 – Medical bills (2001)
$1,779.56 – Medical bills (2002)
$16,686.59 – Deficiency on leased vehicle (2002)
$6,093.49 – Credit card (1999-2001)
$89,000 – Student loans (1989-1995)
$1,061.53 – T-Mobile phone bill (2003)
$2,183.00 – Medical bills (2002)
$73.32 – Medical bills (2001)
$169.50 – Medical bills (2002)
$719.09 – Telephone bill (2002)
$516.31 – Credit card (1998-2001)

Big Ed states in the filing that he was making $4,763 a month gross, and taking home just under $3,500 a month at the time. His expenses, which included $1,000 a month for rent and $400 a month for student loans, totaled $3,608.00 a month. That amount also includes $250 a month for alimony and/or “payments for support of additional dependents not living at your home.” His daughter Tiffany was 13 at the time.

The filing also states that Big Ed had a 2001 Jeep Grand Cherokee valued at $20,000 repossessed in August of 2002. The company is the same one listed for the “Deficiency on leased vehicle” debt of $16,686.59 above.

The bankruptcy order was approved on September 2, 2004.

90 Day Fiance Before the 90 Days Rose Big Ed bankruptcy

Apparently Big Ed did not learn his lesson, and he was back in California bankruptcy court 13 years later with a much larger debt. This time around he had no cash on hand, but his personal checking accounts had increased to a whopping total of $235.

Big Ed was in possession of a 2005 Jeep Wrangler with roughly 110,000 miles valued at $12,000 that he still owed money on. He also had $2,900 worth of clothing, electronics, sports equipment, etc. Tack on an $800 security deposit for his apartment, and Big Ed’s personal property was valued at just under $16,000.

The filing states that Big Ed had liabilities totaling $185,704.00 this time around. Here’s how that broke down:


$15,197.00 – 2005 Jeep Wrangler 4×4 (Value: $12,000. Unsecured portion: $3,197.)


$2,611 – Credit card (2015-16)
$5,311 – Credit card (2014-2016)
$2,806 – Credit card (2005-2016)
$940 – Charge account (2015-2017)
$3,630 – Credit card (2014-2016)
$1,014 – Bloomingdale’s charge account (2015-2016)
$126,534 – Student loans (2004-2017)
$2,763 – Credit card (2016)
$23,193 – Auto (BMW Financial 2015 – I do not know what vehicle this is in reference to)

I looked into Chapter 7 bankruptcy filings and they usually do not include forgiveness of student loan debt. To get that you have to file an adversary proceeding and demonstrate that repayment would impose undue hardship on you and your dependents. I don’t see any record of that in either of Big Ed’s filings, but it could very well be that I don’t know where to look.

As a result, I’m not sure how much (if any) of the $89,000 in student loan debt claimed in 2004 was included in the $126,534.00 amount listed in 2017.

The 2017 form asked “When was the debt incurred?” and Big Ed answered: “Opened 12/04 Last Active 05/17.” So the student loan account was opened just a few months after his previous bankruptcy was approved. It could be that funds were transferred to another company, thus creating a new account. It’s unclear.

Also interesting is that one of the credit cards listed (Capital One) was opened in March of 2005. How do you get a credit card six months after filing bankruptcy? Is it just a matter of agreeing to a low limit and a crazy high interest rate?

Big Ed’s income during this time is a bit confusing. Here are two different figures from the filing:

List monthly gross wages, salary, and commissions (before all payroll deductions): $3,000.00

Fill in the average monthly income that you received from all sources, derived during the 6 full months before you file this bankruptcy case: $4,192.67

The second amount seems to be more in line with Big Ed’s previous gross income, which was $52,600 in 2016 and $50,000 in 2015.

However, in the “Current Monthly Income Details for the Debtor” section of the filing, it appears that Big Ed may have been unemployed from January-March before being hired at the $3,000-a-month rate? Here’s a screen cap:

90 Day Fiance Before the 90 Days How much money does Big Ed Brown make?

Big Ed’s 2017 bankruptcy order was approved on November 6.

In summary, it appears as though Big Ed should have been texting Rose’s sister asking for money! And it’s too bad for any of his future dating prospects that they don’t make a mouthwash that covers up bad credit.

You can keep up with Big Ed’s exotic international love adventures with new episodes of 90 Day Fiance: Before the 90 Days airing Sunday nights at 8/7c on TLC.

Asa Hawks is a writer and editor for Starcasm. You can contact Asa via Twitter, Facebook, or email at starcasmtips(at)

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Warner Robins GA Credit Repair Finance Score Improvement Service Launched



New credit repair services have been launched by the expert team at Fresh Start Consumer Services. They work with clients in Warner Robins, GA and the surrounding areas.

New credit repair services have been launched by the expert team at Fresh Start Consumer Services. They work with clients in Warner Robins, GA and the surrounding areas.

Fresh Start Consumer Services has launched a new credit repair service for clients looking to improve their financial future. Interested parties can sign up for credit consultations, in-depth credit analysis, credit recommendations and more.

Full details can be found at:

The newly launched services are designed to ensure clients can repair bad financial credit history, track their improvement campaign in measurable ways, and secure a better future for themselves and their family.

Clients can work with Fresh Start Consumer Services to clean up their past. This is achieved by working with the major credit bureaus and creditors to challenge the negative report items that affect the credit score.

Based in Warner Robins, GA, the expert team at Fresh Start Consumer Services is passionate about helping citizens to improve their credit score to give them more buying power. As a result of this, clients are able to secure more options in life.

The team understands that sometimes bad things happen to good people, and their services are designed to ensure that clients can get the most out of life. They also realize that a bad credit score can harm clients’ quality of life – and can be a difficult situation to get out of.

Fresh Start Consumer Services offer courses in credit repair and restoration, budget management, credit education and purchase assistance. Clients get easy access to their account 24/7 for live status updates on improvements, allowing them to fine-tune the management of their credit score.

Service options include personalized dispute options to fit each clients’ exact credit repair needs, an experienced case analyst and case advisor working personally with them throughout the process, custom dispute letters, and more.

For clients, there are a number of reasons to work with a credit repair specialist. Clients are able to secure significant savings on interest rates, attain better terms on loan products, and get access to the best credit card deals. They also gain access to more housing options.

The team states: “Fresh Start Consumer Services offers a unique combination of services that gives our clients the quality of life they deserve. We specialize in helping our clients achieve qualifying credit and the financial health they desire.”

Full details can be found on the URL above.

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Is it Possible to Trade In a Car Early?



Yes, early trade-ins are possible when you finance a vehicle. In fact, there’s no set time frame on trading in a car. Most dealers won’t take a trade-in that’s too fresh, though, and it’s best to wait until there’s equity in your vehicle before you try to trade it in.

What’s a Trade-In?

When you trade in a car, you’re essentially selling it to a dealership and financing something else from their lot, without the hassle of selling and buying with separate transactions. There are no hard-and-fast rules about how and where you have to trade in your vehicle.

However, it’s beneficial to shop around and see which dealers can give you the best price, but you shouldn’t just head to a car lot and ask what they’re willing to offer you. When the time comes, there are several steps you may want to take to get ready for the trade-in process, especially if you’re looking to trade in early before you’ve had the chance to close the equity gap.

Trading In Early and Equity

Are Early Trade-Ins Possible When You Finance a Car?When you’re trading in a vehicle soon after you’ve financed it, you’re more likely to be in a negative equity position – owing more on your auto loan than the car is worth.

This is especially true if you financed a new vehicle, or a certified pre-owned car. Newer vehicles depreciate faster than used ones, which have typically already seen their biggest drop in value.

Depreciation is the loss of value over time and it can’t be stopped. It can be slowed, though. The best way to do this is by using a large down payment when you finance. This reduces the amount you have to borrow, and leaves you owing a price closer to what the car might cost after you drive it off the lot. New vehicles typically lose around 10% of their value as soon as they touch the road.

If you don’t have the equity to recoup your investment in a car, you have to make up that difference out of your own pocket. It’s much easier to trade in a vehicle that can pay for itself, but this isn’t always possible when you’re trying to do so early.

Preparing Your Early Trade-In

When you know that you’re starting with a deficit on your trade-in, it’s a good idea to be prepared to get the most you can. Clean the car thoroughly, both inside and out, and make sure to fix any minor damage that may have occurred in the short time since you took out your loan.

Getting the vehicle detailed and fixing major mechanical issues isn’t likely to result in a worthwhile increase to the cash in your pocket, so don’t go overboard. Remember, you want to make as much money on this trade as you can, and it’s probably cheaper for the dealership to fix any large issues.

Before you set foot in a dealer to get your trade-in appraised, it’s a good idea to know approximately how much your car is worth. You can find this out by going to online valuation sites such as Kelley Blue Book or NADAguides. Be sure to be honest when you’re inputting information, since it’s the only way to get an accurate estimate of possible value.

Shopping for Trade-In Values

Once you have the estimates (which you should print or save to your phone), it’s time to take your trade-in to get looked at. Taking it to a few different dealerships is a good way to find the best deal you can.

We recommend taking your early trade-in to at least three different dealers, making sure at least one of them is a franchised dealership that sells your vehicle’s brand. A franchised dealer that sells your car’s brand may be more likely to offer a higher price.

Depending on your credit situation, it’s likely a good idea to ensure you’re trying to trade in your vehicle to a dealership that can work with your situation, especially if you have poor credit. And that’s where Auto Credit Express can come in handy.

We have a nationwide network of special finance dealers that are signed up with subprime lenders who can help people in many different types of credit situations, including bad credit, no credit, and even bankruptcy.

The process is easy to get started – just fill out our free auto loan request form. We’ll match you to a local dealership that can get you started on the financing you need after your early trade-in.

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Jackson receives financial reporting award



JACKSON, Mich. (WILX) – The City of Jackson is getting international recognition for its transparency in financial reporting.

The Government Finance Officers Association of the United States and Canada (GFOA) awarded the Certificate of Achievement for Excellence in Financial Reporting to Jackson for its Comprehensive Annual Financial Report (CAFR) for the fiscal year ending June 30, 2019.

The CAFR was judged by an impartial panel to meet the high standards of the program. Standards include demonstrating a constructive “spirit of full disclosure” to clearly communicate the financial story of the City and encourage users and groups to read the CAFR. The Certificate of Achievement is the highest form of recognition in the area of governmental accounting and financial reporting.

“This is great for the City as a whole because it improves our bond rating,” said City Manager Jonathan Greene. “We believe this award will help our residents understand the work we do to make the City’s finances transparent and easy to understand.”

Bond Ratings are letter grades assigned to bonds that indicates good or bad credit for an entity like the City of Jackson. By having a strong bond rating cities are granted opportunities to pay back interest at lower rates.

The CAFR can be viewed HERE.

Copyright 2020 WILX. All rights reserved.

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