Judgments - Remove from Your Credit

by John Cooper Judgments are also called default judgments or credit card judgments. These terms all have the same meaning ... be removed and you should not be responsible. This is when I would suggest a credit repair law firm ... . You can actually hire them at a reasonable rate. A very popular credit repair service Lexington Law [more...]

Date: 2008-11-28 20:09:41

Blog posts (314) | Videos (86)
 

Yuanyang – Sweaty Men, Rice Fields and Beautiful Women

When a jovial, inebriated, shirtless man boarded our bus with a meter-long pipe (think Cheech and Chong go to China), we figured we were slipping even further off China’s organized tourist trail. Our destination: the rice terraces of Yuanyang in southern China’s Yunnan Province, where dazzling colors, [more...]

Date: 2008-10-04 17:43:01

Apple throws wrench in iPod Mechanic's schemes

Let me put forth this modest proposal: if you plan on running a company that fixes iPod, ... advantage of Apple’s warranty service. The suit says that Woodhams got Apple to repair broken ... of his customers on the appropriate forms, receiving new replacement units, then denying credit card charges [more...]

Date: 2008-06-27 20:23:22

Identify Credit Repair Scam in 6 Ways!!

by David Wada Everyday, companies target consumers who have poor credit histories with promises to clean up their credit report so they can get a ... and someone else has your money. If you see a credit repair offer, heres how to tell if the company behind it is up to no good: * The company wants you to pay for credit repair services before [more...]

Date: 2009-01-16 06:23:45

Real Estate Taxation

by Mary Bush Everybody loves a piece of land. That is the real limited resource we have on earth ... by Internal Revenue department, but partially deductible as it are loan on your home credit. 4. Home ... between a repair and an improvement. You can flout the rules by knowing the difference. 5. Home [more...]

Date: 2008-12-18 04:49:46

Bankruptcy

Bankruptcy is an individual’s legally declared inability to pay back debt owed to creditors. There are several different types of bankruptcies ... not require you to liquidate your assets. How does bankruptcy affect my credit and credit score? Bankruptcy does not look very favorable on your credit report and should be considered a last resort [more...]

Date: 2008-12-16 03:00:27

Deal with Credit Before Divorce

by Rob Kosberg When you are about to file for divorce, you know that this is a horrible experience no matter how much you want to do it ... . Legal advice may help with this. Finances should be worked out, if at all possible, before the divorce is completed. Credit reports for each partner need to be secured, examined and fixed [more...]

Date: 2009-01-17 22:06:48

Fannie and Freddie to Announce Mass Loan Modification Program

re-default. This may also further erode investor confidence in residential mortgage backed securities, ... monies to put towards housing payments. Step 3) Start Improving Your Credit Rating This can take a long ... you pay your bills on time, that you have good credit.  Paying your bills on time only accounts for 30 [more...]

Date: 2008-11-11 19:02:07

white-knuckled hope

October 8, 2008 The Public   I bought a new white blouse yesterday, a fancy new white blouse with a bow-type thing around the waist. I’m not fully sure I can carry it off and I also feel it emphasizes the fat I still have around my lower belly but after losing quite a bit of weight I’ve come to the realization that almost every new blouse is [more...]

Date: 2008-10-08 11:31:08

Ovation Credit Services

Having a bad credit report has so many disadvantages specially here in the U.S. That is a hard reality I've realized ... help from the experts. Ovation Credit offers one of the best credit repair programs. Attorneys ... a place to live. Why? Because companies, governments, and others always checks your credit history [more...]

Date: 2008-12-04 03:59:39

The Importance of Repairing Your Credit Report - Yourself!

It seems to be common knowledge today that we are living in a society overwhelmed with debt ... is “Credit Repair Companies”. There are several different websites, many of them claiming to be law ... used by these credit repair companies are bombarding collection agencies with letters, asking them [more...]

Date: 2009-01-15 01:44:04

Credit Repair For Yourself

by Mary Bush Having a bad credit rating can be a serious problem affecting people’s lives in all kinds of ways ... of websites claiming that it’s easy to repair your credit. Some of these claims are at best dubious ... to repair an impaired credit rating, at least while staying within the law. That doesn’t mean, however [more...]

Date: 2008-12-28 18:23:45

Off Label Use of HGH to Treat Tendon and Ligament Injuries Remains Illegal

Dr. Richard Rydze is a vocal advocate of the use of recombinant human growth hormone (rHGH) for the treatment of tendon and ligament injuries. Dr ... with performance-enhancing drugs and the legal restrictions on legitimate medical research by anti ... had purchased $150,000 worth of HGH and anabolic steroids from Signature Pharmacy with his credit card [more...]

Date: 2009-01-17 08:33:55

Secrets to Effective Complaining

With the economy in the doldrums, it makes sense to stretch every dollar to the max. So what do you do when a product or service you spent your good money on is a disappointment? You’ve done everything you can to make extra money and now it’s being spent on something that isn’t performing [more...]

Date: 2009-01-02 06:10:13

Intelligent Research...Do your due diligence

Sam walked into my office plopped himself into a chair, stretches, yawns with a smile. He slouches. He forced himself to give me one of those limp handshakes. It gave me the willies. I was meeting with him as a favor to a friend. “Hi”“How do you do. It’s nice to meet you.” I said with a strained smile. “Same [more...]

Date: 2007-04-25 01:22:00

Islamic finance rises on ruins of conventional banks amid turmoil

The Islamic finance industry, which refers to the banking activity conducted in accordance with the principles of Shariah (Islamic law) ... enjoy a type of immunity because they operate under strict legal restrictions and consequently barred from dealing with the conventional credit tools such as the real estate mortgage instruments,” [more...]

Date: 2008-12-20 21:25:45

Financial Planners Weigh In On Debt Relief

Ever since launching this Bankruptcy in Indiana blog series, I've kept coming back to the topic of debt consolidation, debt settlement, credit counseling, and debt repair, all forms of help being offered to debtors as alternatives ... With Credit Repair. Three weeks ago, in the "Personal Finance" section of the Indianapolis Star [more...]

Date: 2009-01-14 12:13:43

Libra New Moon Cycle: September 29 – October 28, 2008

Mercury, the planet of communications and legislative documents retrograde in Libra, Congressional leaders think that if they rewrite the language a bit so it sounds pleasing, it will be sufficient to pacify the public. As I wrote in the Libra New Moon Cycle post, the stock market during this time would make big moves in either direction, [more...]

Date: 2008-09-28 13:03:34

Underground Economy- Some more thoughts on Ragnars book

First of all if you haven't read it yet check out this book review. What I am writing is sort of book review continued plus my thoughts. Postpone purchasing 50 rounds of pistol ammo, a bottle of mediocre booze or a few lattes and BUY THE BOOK. I have some experience and have made observations of different folks living in the underground economy [more...]

Date: 2008-10-07 02:49:21

How To Repair Your Credit If You File Bankruptcy

Debts are piling up. Bills are coming in. Collections agencies are phoning and sending you certified mail demanding money ... the recently bankrupt as customers. And now is the time to begin credit repair. Immediately after ... and when they will be able to recover their credit. The following should help you understand [more...]

Date: 2008-10-13 06:23:15

Fed Talk "Slaves 'R' Us"

Bernanke: More bank bailouts neededNEW YORK (CNNMoney.com) -- Federal Reserve Chairman Ben Bernanke said Tuesday that President-elect Barack Obama's proposed fiscal stimulus package could help the economy, but he added that additional bailouts of financial institutions may also be needed to bring about a sustained economic recovery [more...]

Date: 2009-01-13 17:12:00

Revolving Account

A revolving account is an account where you are given a certain credit limit and you make monthly payments based on how much you borrowed that month ... at 1-800-508-0041. We provide low cost legal representation in disputing inaccuracies on your credit report ... important to monitor your credit report for errors. Remember the higher your score [more...]

Date: 2009-01-04 02:45:32

How To Get Your Student Loans Forgiven

by Marlin Baccus Many students accumulate hundreds of dollars in student loans during their college days that by the time they leave school; ... on your own, you better hire a bankruptcy lawyer to handle your case for you. There are a number of good ... about hiring a bankruptcy lawyer is that this person knows how to get most if not all of your student [more...]

Date: 2008-11-25 15:51:13

A Lightning Bolt Struck a Housing Bubble...

...and created financial dinosaurs. Who believed this would happen? Me, for one, and Peter Schiff. (However, if Schiff envisioned a time frame for the collapse, I had no clue about such a steep slide happening so quickly. However, by the time that I received the news that my hours were to be cut, I was not surprised at all.) [more...]

Date: 2009-01-04 02:32:01

Assessing Your Debt Situation (6)

Different plans have different requirements for borrowing and withdrawing money. Withdrawing money early from a tax-deferred account is expensive ... Out, by Twila Slesnick and John C. Suttle (Nolo). d. Obtain a Home Equity Loan or Credit Line Many banks, savings and loans, credit unions and other lenders offer home equity loans, also called second [more...]

Date: 2009-01-18 05:03:05

Choosing a Credit Repair Firm

Credit repair is a million dollar industry with a lot of scams. Finding a loan with poor credit isn’t hard, getting a decent interest rate can be ... in interest charges. We strongly recommend you learn what you need to do to repair your credit legally ... fraud if you do it, and can make you subject to legal repercussions * Do read the Fair Credit [more...]

Date: 2009-01-15 18:49:38

Surviving Customer Service 8

If you’d like a copy of your very own and not wait for it to unfold slowly, wander on over to: http://www.cafepress.com/boundandgags/216438 TALES FROM THE TRENCHES Although I have enough personal stories from the customer service trenches to fill a book (two actually. They go by the names, If Life’s An Experiment, I’m A Lab Rat and Catless Tails) [more...]

Date: 2008-10-24 10:00:42

Debt Rattle, November 18 2008: He'll Have To Go

John B. Trevor The Century Ahead 1921 Trevor family trip through western United States Ilargi: ... for the first time, somewhere in southern (?!) Ontario where Stoneleigh will sternly lecture the crowds ... to no more than an exceedingly bad soap opera. This charade is starting to seriously undermine [more...]

Date: 2008-11-18 19:44:54

Reliant Energy considering seeking buyer even as credit crisis spreads (Reliant-Energy)

HOUSTON _ Reliant Energy, which supplies electricity to nearly two million customers in Texas and the Mid-Atlantic region, served notice that it may be shopping for a buyer Monday as a credit crisis that has reshaped Wall ... last month and will likely have to spend millions to repair damages.Some analysts believe Reliant may [more...]

Date: 2008-10-07 01:37:07

Obama’s Deficit, Fed’s Forecast, India’s Market, Gold’s Victory, and More!

by Addison Wiggin & Ian Mathias Obama’s fiscal “change”… trillion-dollar deficits “for years to come” Fed says economy to shrink in all of ’09, unemployment to rise until 2010 Second wave of real estate tsunami swells… office and mall vacancy rates surge Indian market crushed in ’08, [more...]

Date: 2009-01-07 19:10:08

what could have been improved in the letter. I left a few things out of the discussion at the time, so lets get back to them. We started with some small but focused lists and I want to discuss how those were used so that you can think about the various customer groups you have in your business [more...]

Date: 2008-12-12 19:45:29

Real Estate Short Sales and FICO Credit Scores

Real estate "short sale" is a new term of art that has entered the lexicon during what is considered the worst housing crisis in a generation ... is completed. Sammy avoids having a foreclosure haunt his credit rating for the next seven years. Typically, short sales appear on a person's credit report as "Settled for Less" or "Paid in Full For Less [more...]

Date: 2008-09-12 14:20:35

Toshiba Satellite A305-S6872

For those of you who follow me in Plurk, many of you already know by now that my laptop, ... a second opinion from another computer repair shop but since the laptop is still under warranty, I’m sending it back to HP/Compaq so they can check and/or repair it. I’ve already contacted them and they’ll [more...]

Date: 2008-11-05 09:28:37

The Lasting Damage An Obama Presidency Could Do

Any disgruntled conservatives who think an Obama win would “teach the GOP a lesson” should think again! ... there is no chance at all that Republican office-holders of the future could in any way repair the damage. … ... to the Supreme Court of the United States. All legal observers expect Obama’s nominees to embrace an even [more...]

Date: 2008-10-21 05:48:48

The Most Common Questions About Debt Collections

by Jon Ochs If this current economic slow-down has found you in a position of financial difficulty, ... common questions people have in dealing with debt collectors. I got a letter in the mail from a collection company regarding a credit card balance. Why do they have my information? Why am I not being [more...]

Date: 2008-10-21 19:54:23

The blog that saved Christmas

This is great:But in June, Daniel got sick. After several tests, ... . As a new employee of Bank of America, he had not accrued enough paid time off to keep his job as a credit ... we received that letter, it was like, 'Oh my God, what are we going to do?' " Daniel Sampson said [more...]

Date: 2008-12-26 19:50:00

Theodicy in the New Yorker

James Woods' essay on the problem of evil in the New Yorker is an illuminating reflection on the question of how an omnipotent and benevolent God can permit suffering. The essay gives us a sense of how everyday legal categories ... will need, and deserves, a great deal of heavenly love and repair; it is as close as her novel comes [more...]

Date: 2008-06-16 18:49:32

Liens

If you do not pay State or Federal taxes or pay a debt owed to a creditor, they can make a claim against your property ... from the mortgage and the lien! How does a lien affect my credit report and credit score? This type of security interest looks very bad on your credit report. Potential lenders see a lien on file [more...]

Date: 2009-01-04 00:30:06

Recognizing Credit Counseling Company Scams

People across the country are finding that they have used their credit unwisely and owe creditors a great amount of money that is increasing every ... to their financial problems, many people contact credit counseling companies that promise to repair their credit ... the risk of being taken advantage of by a dishonest credit counseling company. Telling [more...]

Date: 2009-01-10 05:23:38

Appraisal Fraud and Industry Standards Described in 2003 Official White Paper-RED FLAGS DESCRIBED IN DETAIL WITH EXCELLENT DIAGRAMS EXPLANATIONS AND DESCRIPTIONS OF BEST PRACTICES

loan_origination_mortgage_fraud_ffiecloan_origination_mortgage_fraud_prevention_response_nelsonRed Flags • Critical loan processing activities, such as  verification of income, employment, or deposit, is delegated to brokers. • Delegated underwriting allowed for correspondents that are new or lack an established track record with the FI [more...]

Date: 2009-01-09 15:33:10

11 July SWJ News, Op-Ed, and Events Roundup

IRAQ Turks Visit, Regional Warming Trend - Tavernese and Robertson, New York Times Turkey’s prime minister visited Baghdad on Thursday, only the second foreign head of a neighboring state to visit Iraq since the American invasion. The visit of Prime Minister Recep Tayyip Erdogan came during a flurry of announcements from Arab countries - including [more...]

Date: 2008-07-11 00:34:15

My husband is being a jerk!

So he was doing some laundry, and the dryer croaked.  He came upstairs to inform me of this fact. The washer/dryer set we have is over 15 years old ... .  We have a charge card there, and as far as I know, we have a good amount of available credit ... throwing more money for repair after repair [more...]

Date: 2009-01-08 18:46:05

SUV city

SUV CITYEvery once in awhile there is mention of a tent city somewhere or another. When I was still in Carson City the Reno tent city was big news. For a second there reason almost prevailed, and the city allowed the tents to remain on the public lot. They set up a few porti-potties and a dumpster and had a patrol car run through on occasion [more...]

Date: 2009-01-05 20:00:00

Do-it-yourself Credit Repair

There are many consumers which are being lured by companies which promise them to clean their unappealing credit history ... as the company has not yet completed the service. According to Credit Repair Organization, any ... of these companies would do nothing to improve their customers’ credit background and would eventually [more...]

Date: 2008-08-23 04:47:53

Foreclosure

A mortgage is a contract loan a person takes out to purchase their home, and is one of the most significant trade lines on a credit report ... to your credit report? A foreclosure is the worst record to have on a credit report, and can remain on your credit report for a very long time. In order to keep a foreclosure from appearing [more...]

Date: 2008-12-16 04:30:23

Assessing Your Debt Situation (3)

C. Understand Your Options for Dealing With Your Debts You normally have about a half dozen options for dealing with your debts—probably more than ... sue you or you file for bankruptcy, called exempt property, is found in Money Troubles: Legal Strategies to Cope With Your Debts, by Robin Leonard and Deanne Loonin (Nolo). Taken From : Credit Repair [more...]

Date: 2009-01-15 04:53:31

Job Earnings Statistics of US Census Bureau led by Law Occupations (Lawyers, Judges, Paralegals) at Twice the National Median Household Income

Have you ever thought about what an average lawyer, teacher, taxi driver or dishwasher earns? Is dishwashing really at the bottom of the earnings list from which there is nowhere to go but up to make one's millions? Indeed, what do people in the various jobs, occupations and professions in the United States actually earn? [more...]

Date: 2008-09-14 17:22:37

Will Credit Repair Enhance Your Plunging Credit Score?

As lending rules get stricter by the day, an increasing number of consumers are desperately looking for ways to improve their credit ratings ... , then you’ll most likely need credit repair. Today, the phenomenal growth of the credit repair ... scores. Credit repair professionals help push up their clients’ credit rankings by promptly [more...]

Date: 2008-12-08 07:00:23

The Locavolt Movement: Pushing For Energy Independence

Peter Asmus at the San Francisco Chronicle reported yesterday on the "locavolt" movement ... . for billing, distribution and repair service, but allow local elected officials to choose more locally ... . And, as Asmus notes, there are bureaucratic challenges as well, including legal restrictions preventing [more...]

Date: 2008-09-15 19:13:24

Three Articles by Barry Ritholtz

Barry is on top of the Republican effort to explain away the financial crisis as the fault of Democrats forcing banks to loan to the poor and minorities, who we all know are bad risks.Misunderstanding Credit and Housing Crises: Blaming ... selfconfoozled folks has been the meme that the entire housing and credit crisis traces to the the Community [more...]

Date: 2008-10-04 23:23:00

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