CASE_FCFCU KB

Financial Tracker - FCFCU Case

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Financial Tracker - FCFCU Case

Last Updated: 2025-12-21

Overview

This document tracks all financial aspects of the FCFCU case, including:

  • Case-related expenses
  • Financial impacts of the foreclosure and removal
  • Settlement targets and financial goals
  • Credit repair costs and strategies

Expense Tracking

Note: The original expenses.csv file contained only headers with no data entries. If expenses have been incurred, they should be documented below.

DateCategoryAmountReasonNotes

Financial Impact Summary

Foreclosure Judgment

  • Amount: $220,863.09
  • Date Entered: 2025-05-28
  • Status: Challenged via Motion to Vacate (filed 2025-12-10)

Sheriff Sale

  • Sale Date: 2025-08-15
  • Total Paid: $240,464.20
  • Sale Number: 032
  • Surplus Funds: Motion filed 2025-12-16 to preserve and account for surplus funds

Collateral Financial Losses

  • EasyTax / Crystal Rodriguez Theft: ~$2,000 (Stolen labor, 1099 fees, scanner, router). Demand sent 2026-01-07.
  • Zai Asylum Case Closure: Total loss of 3rd party legal investment and irreparable harm to beneficiary due to user’s displacement.
  • Forced Relocation to Evansville: Ongoing professional income loss (repeat client base) and relocation-related expenses.

Settlement Targets

Offer A (Anchor)

  • $20,000 relocation assistance
  • 30-45 days access
  • Property preservation
  • Mutual releases

Offer B (Fallback)

  • 15,000
  • Stronger access terms
  • Storage option

Ultimate Goal

  • 100k cash
  • Complete FCFCU credit deletion
  • All tradelines + inquiries
  • All foreclosure reporting removed

Credit Strategy

Current State

  • Thin file
  • Clean except FCFCU + few stragglers

Deletion Impact

  • Global FCFCU deletion likely yields +80 to +150 points
  • Target: 700-800+ score

Post-Settlement

  • Address remaining cards
  • Rapid rebuild timeline

Settlement Terms Required

  • Bank-facing deletion clause
  • Bureau-facing deletion clause
  • All tradelines + inquiries
  • All foreclosure reporting

Financial Tracker Spreadsheet

Note: The original QiCase-FCFCU_Financial_Tracker.xlsx file exists but could not be automatically read. If this spreadsheet contains detailed financial data, formulas, or calculations not reflected above, it should be manually reviewed and relevant information added to this consolidated tracker.

Instructions for Manual Review

  1. Open QiCase-FCFCU_Financial_Tracker.xlsx (if still needed)
  2. Extract any unique data, formulas, or calculations
  3. Add relevant information to the appropriate sections above
  4. Update this document with any missing financial details

Expense Categories

  • Court filing fees
  • Attorney fees (if retained)
  • Document preparation
  • Postage and certified mail

Living Expenses (Post-Removal)

  • Temporary housing
  • Storage costs
  • Essential supplies
  • Transportation
  • Property retrieval costs
  • Storage fees
  • Damage assessment
  • Replacement costs for lost/damaged items

Credit Repair Expenses

  • Credit monitoring services
  • Credit repair services (if needed)
  • Dispute filing costs

Notes

  • All expenses should be documented with receipts when possible
  • Track both direct case expenses and indirect financial impacts
  • Maintain records for potential damage claims and settlement negotiations
  • Update regularly as new expenses are incurred

Graph View

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