T3Leads - CPA Network Review
In the ‘make money online’ realm, there are literally hundreds of ways to do so, whether it be through blogging, e-commerce, affiliate marketing, ... ? T3Leads currently deals mostly with the following types of companies: debt settlement, credit cards, home improvement, insurance, tax debt, mortgage loands, payday loans, auto loans, and foreclosure. [more...]
Date: 2009-01-11 09:00:42
Blog posts
(77)
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Videos
(139)
12 Confessions Of A Home Mortgage Collector [Wells Fargo]
A former Wells Fargo Home Mortgage home collector has stepped forth from the shadows to tell you what's really going on ... my own copy of the Fair Debt Collection Practices Act, and even then most people in WFHM ... . Bankruptcy will not forgive a mortgage debt. 4. Fight your bankruptcy fees with a passion! WFHM [more...]
Date: 2008-09-10 16:36:38
CITI Drops Opposition to Cramdown; May Help Homeowners to Avoid Foreclosure
Citigroup and key Senate members reached an agreement on Thursday that will bring the Helping Families Save Their Homes in Bankruptcy Act one step ... can be reduced by the court including credit card debt and, ironically, mortgage debt on vacation homes ... closer to passage. The proposed law, introduced by Senator Durbin (D-IL) in the Senate and Rep [more...]
Date: 2009-01-11 15:27:40
IRS Plan to Help Distressed Homeowners Falls Short
The Internal Revenue Service has announced a process that is supposed to make it easier for financially distressed homeowners to refinance a ... in the property above and beyond the mortgage debt plus enough to cover the tax debt, the IRS is able ... mortgage or sell a home by providing options when there is a federal tax lien blocking [more...]
Date: 2009-01-07 14:59:28
W. and the damage done
President Bush inherited a peaceful, prosperous America. As he exits, Salon consults experts in seven fields to try to assess the devastation ... of $128 billion. Now he's about to dash out the door, leaving a large, unpaid bill ... , or is not among the nearly one in four mortgage-holders whose homes are worth less than the debt on their homes [more...]
Date: 2009-01-09 18:02:54
AG urges Congress to changes to help distressed homeowners
Washington's Attorney General has joined 21 other attorneys general to encourage Congress to loosen bankruptcy rules in an effort to reduce home foreclosures. Current bankruptcy laws allow judges to readjust mortgage debt on vacation homes and farms, but not on primary residences. The attorneys general would like to see that changed [more...]
Date: 2009-01-07 22:13:01
Home Ownership: Road To The Poor House!
By Tom Graneau Most home buyers believe that they are on a path to financial prosperity as a result of buying a home ... nightmare? Research indicates that millions of people assume thousands of dollars in mortgage debt ... than the house. “Home equity” (the appreciated value of the house, over debt owed) is the eventual [more...]
Date: 2009-01-15 14:11:54
How Saving has Enabled Us
“Save your money, and one day it will save you” -old African proverb Moneymonk shared the above in her Friday quote post last week ... pretty much debt free, with the exception of our home mortgage and credit card balances, which are paid ... Finance, check back every Wednesday for a new segment. This is not financial advice. Please consult [more...]
Date: 2009-01-14 12:38:00
Declare Bankruptcy, or Tough It Out?
One of our readers, Jill, had this question for us: Mr. Credit Card, We have kept up all our payments and haven’t been 30 days late in 5 years ... us any? We currently owe 38,000 in unsecured debt, 116,000 on two mortgages on our home which is valued ... go about taking that path first, then we’ll look at the reverse situation. Right now, you are [more...]
Date: 2008-11-11 09:45:44
Beneficial Finance - Mortgage Review
Beneficial Finance, does personal, auto, and mortgage lending as a retail subsidiary of mega-bank parent HSBC Group (NYSE: HBC) ... of Beneficial Finance should be avoided. They are big pushers of credit cards, home equity loans, and debt consolidation mortgages. You can’t expect much better being a subsidiary of HSBC Mortgage [more...]
Date: 2009-01-14 22:05:31
Get Paid To Get People To Fill Up Forms!
Hey, have been down with a bad flu lately so I was not able to post on my blog lately. I am back now with more great stuff to share with you ... Of Website They Have Payday Loan Auto insurance Debt Home Improvement Auto Loan Insurance Mortgage Loan Renter Insurance Student Loan Consolidate You will noticed most of it are in the load [more...]
Date: 2008-09-11 01:57:22
Underwater In A Way We Have Never Seen
The Denver Post reports from Colorado. “David Craig knows how draining it can be to make payments on a home that is worth less than the mortgage debt on it. The Brighton-area resident and his wife have struggled the past two years to carry not one, but two, homes valued at less than what’s owed on them. ‘You hear about how bad the economy [more...]
Date: 2008-12-02 18:07:48
$75 user participation survey for those in debt
As I think I have mentioned before, I am working with a company called DebtGoal in development of their product ... in credit card debt At least 2 other types of debt (mortgage, auto, student loan, home equity loan [more...]
Date: 2009-01-10 15:48:20
A Fool's Errand: Stabilizing House Prices
Yesterday there was a news article on MSNBC that claimed 1 in 6 now owe more on their mortgage then their property is worth ... for borrowers in financial trouble to refinance or sell their homes and pay off their mortgage if their debt ... to Zillow the median household income in the area is about $46,000 while the median home price [more...]
Date: 2008-10-09 07:36:00
Tips for Mortgage Refinancing and Debt Consolidation
Many people discover that their credit card debt is out of control when they get their monthly bank statement ... your balance over-the-limit fees. It’s time to consider debt consolidation to save your money - credit card balance transfer, home equity loan or mortgage refinancing. One of the best ways to obtain [more...]
Date: 2009-01-08 03:48:15
Home Equity second mortage Loans - Good For Building
Homeowners sometimes find that after they have moved into their dream home, ... mortgage. This extra money you take out against the home can be used to pay off credit card debt, medical ... as a way to improve the atmosphere of the home. Others will use it to consolidate their bills [more...]
Date: 2009-01-14 07:53:00
Eliminate Debt
We can't deny the fact that our world suffered economic crises nowadays ... own more than one credit card, car payment, mortgage, bills, student loans, personal loans, home ... , lower credit card payments, budgeting debt, stay debt free and many more. It's guaranteed safe [more...]
Date: 2008-11-23 16:25:14
RELIABLE MORTGAGE SOURCE
Home purchasing and home improvement may be hard for you when you are in a situation of bad credit ... , debt consolidations, mortgage refinance, and many more. This is the opportunity for you to start [more...]
Date: 2008-11-13 06:56:02
HOW TO HELP PEOPLE WHOSE HOME VALUES ARE UNDERWATER
The more than 12 million homeowners with mortgage debt have an incentive to default because mortgages are generally "no-recourse" ... or income to make up the difference between the unpaid loan balance and the lower value of the house ... up about $27,000 of potentially uncollectible debt but would avoid the extra loss of value that comes with selling [more...]
Date: 2008-11-19 14:59:56
The TOP 150 Adsense High Paying Keywords
There are several list of Adsense High Paying Keywords and use it for your unique needs and learning ... car insurance 10 online insurance quotes 11 criminal defense lawyer 12 debt consolidation 13 refinance home mortgage 14 medical malpractice lawyer Michigan 15 bad credit home loan 16 loan [more...]
Date: 2008-12-29 01:43:09
The Truth about Debt Management Plans
by Jon Ochs In my years of experience in the industry, I have found that most people are looking for a debt relief option that does not exist ... Consolidation: Debt consolidation is, in nearly all cases, a home equity loan or second mortgage ... . Because these programs rarely ever do what they claim, and many credit card companies no longer endorse [more...]
Date: 2008-09-21 12:49:13
Two Questions for SAM
Andrew Caplin et al. propose a way to stop home foreclosures:The way to do so is through the shared appreciation mortgage, or SAM ... of their mortgage debt, but at the same time, they are required to share future appreciation gains with those ... get "just compensation" for losses that resulted because Congress crammed down an equity-for-debt swap? If [more...]
Date: 2008-10-29 07:44:00
Will Bankruptcy Judges Get Power to Strip Down?
The details of the Great Bailout Bill of 2008 are still being mulled, turned over and kicked about by economists, ... of the terms of certain debts, namely auto and student loans and second-home mortgages. Under the Democrats ... of the property falls below the loan amount, debtors potentially could reduce the balance of the loan to equal [more...]
Date: 2008-09-24 15:15:01
All Time Low Mortgage Rates For A++ Borrowers Only
As discussed on December 31, 2008 many homeowners attempting to lower their mortgage rate apply for a refinance, ... income (debt ratio of 32% or less) and substantial equity in the home (loan to value of 75% or less ... and won’t get approved. Only about a third of U.S. mortgage debt outstanding is likely to qualify [more...]
Date: 2009-01-15 08:09:46
Fair Debt Collection - Know Your Rights!
FAIR DEBT COLLECTION If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a “debtor ... Collection Practices Act requires that debt collectors treat you fairly by prohibiting certain methods of debt collection. Of course, the law does not forgive any legitimate debt you owe. This brochure [more...]
Date: 2008-12-27 18:39:33
To Consolidate Credit Card Debt…
…with a home mortgage, you will generally be refinancing your property and taking cash out to pay off the debts. [more...]
Date: 2009-01-13 13:45:03
20 tips for living on one income
Thanks to everyone who came by with Christmas greetings over the holidays. Hanno and I appreciated them very much ... and one of you loses your job?Your main goal is to keep your home, feed your family and pay off your debt ... it a try. We had already paid off our mortgage but we had a small amount of debt on our credit cards [more...]
Date: 2008-12-29 04:21:00
Sacramento Mortgage Delinquency Rate Approaches 7%
From the Sacramento Bee: 6.8 percent...of residential mortgages in El Dorado, Placer, ... one of the lucky ones who got out. While we had no debt on our home except the original mortgage [more...]
Date: 2008-12-04 22:21:40
Tips a Home Owner Should Know Before Refinancing
by katie George Mounting debt has many homeowners considering refinancing their mortgage for the purpose of cashing out the equity to consolidate credit card debt at a lower interest rate. Homeowners should not consider real estate mortgage refinance as a way to pay for a vacation unless it will be your last, a new car or a boat. A good [more...]
Date: 2008-12-29 22:15:15
Nevada Mortgage - How Much Can I Borrow?
This is typically the first question our Las Vegas Mortgage clients ask when applying for a new home loan ... , type of credit borrowed, and recent inquiries. Debt-to-Income Ratio The (DTI) is calculated ... The DTI would be 42%. Most mortgage guidelines require a 45% or lower Debt-to-Income ratio. Loan [more...]
Date: 2008-12-31 21:02:55
Time to get back to basics (pfblogs.org)
Millions of people in the US are feeling at least a little pain as the market whipsaws and home values go down ... . The people feeling the most pain now have more mortgage debt than they can handle, the inability to refinance that debt, perhaps a lot of credit card debt, and maybe even unemployment. People ... ... [more...]
Date: 2008-10-03 00:47:04
Net Worth December 2008
Finally, I'm wrapping up my 2008 numbers! Today I'll tackle net worth, and I'll post expense and income numbers tomorrow ... to have no debt other than my mortgage-- I had a little more outstanding on my credit card at the end ... growing as I pay down the mortgage-- this assumes that the market value of my home has stayed the same [more...]
Date: 2009-01-12 14:26:33
Time to get back to basics
Millions of people in the US are feeling at least a little pain as the market whipsaws and home values go down. The people feeling the most pain now have more mortgage debt than they can handle, the inability to refinance that debt, perhaps a lot of credit card debt, and maybe even unemployment. People [more...]
Date: 2008-10-03 05:36:52
Wash Post's Pearlstein: Anyone opposing the bailout is ignorant
(updated below - Update II) Washington Post business columnist Steven Pearlstein has spent the week insisting that only gross ignorance could ... -- our help keeping up the payments on their homes. If we do that, Wall Street's bad mortgage debt [more...]
Date: 2008-10-02 06:15:38
Get Out Of Debt, Finally!
by Mike Edwards Everyone was affected by the recent, or rather, current US recession. From multinationals to car dealerships, to local pet stores, a lot had to close shop. The people whose employment or livelihood depended on these businesses eventually lost their homes and other possessions when they eventually got repossessed by the banks. The unemployed who had active mortgages eventually lost their homes or their cars, among other things. [more...]
Date: 2009-08-28 08:11:20
Eliminate Debt: Get Back On The Road To Financial Independence
Everybody wants to attain financial independence but are tied down because of debts and lack of financial planning ... to credit cards, car payment, mortgage, student loans, personal loans, home equity, and other bill ... are as long as the one I mentioned above, then debt consolidation might be the best choice. The third [more...]
Date: 2009-01-12 06:32:10
Fed's Latest Rescue Package Throws Lifeline to Home Buyers
According to this Reuters article, the Fed announced a new rescue package of $800 billion USD to lower the cost of home purchases, credit card and student loans. Under the new mortgage program, the Fed will buy up to $100 billion of debt issued by government-sponsored mortgage enterprises Fannie Mae, Freddie Mac [more...]
Date: 2008-11-26 09:12:56
Seattle FHLB Likely Short of Capital on Mortgage Debt (Update3)
By Jody Shenn Jan. 13 (Bloomberg) -- The Federal Home Loan Bank of Seattle said it will suspend dividends and “excess” stock repurchases, ... of about $1 trillion in financing for Citigroup Inc., JPMorgan Chase & Co. and other companies [more...]
Date: 2009-01-13 21:23:00
What About the Renters?
A little personal anecdote to help explain my philosophical opposition to the bailout, even assuming it would help the economy ( ... it wouldn’t be prudent to buy a home. In my case, I had some student loan debt, I lived in a part ... to afford a mortgage. Now, I probably could have gotten a loan. But the terms would have been ridiculous [more...]
Date: 2008-09-25 12:55:01
Consolidating Your Debt May Help You In A Tough Economy
by John Brennan The present difficult economy affects each of us differently ... . If you simultaneously have an auto loan, credit card loan, home mortgage and other lines of credit at retail ... of credit have been extended, debt consolidation can help the individual get their life and finances back [more...]
Date: 2009-01-13 08:15:18
Are You A Candidate For A Short Sale Or A Foreclosure In Atlanta?
Helping Select Atlanta Homeowners Avoid A Foreclosure One of the most difficult decisions a homeowner can make is to take action to leave a home ... will show your debt as paid in full - which preserves a great deal of your credit history ... who have ample assets will NOT be able to get a short payoff approved. Second mortgages and other [more...]
Date: 2008-11-26 23:15:58
Federal Home Loan Bank of Seattle Suspends Dividend
The FHLBs are probably about to become a huge story. From Bloomberg: Seattle FHLB Likely Short of Capital on Mortgage Debt (hat tip Brian) ... and “excess” stock repurchases, after the declining value of mortgage bonds likely led ... with the U.S. Securities and Exchange Commission today. ... The FHLB system has $1.25 trillion of debt, making [more...]
Date: 2009-01-13 16:19:46
Foreclosure Scams To Be Aware Of
Homeowners facing foreclosure should be aware of unscrupulous lenders and scammers ... to them. They will then collect rent from the property and fail to make payments on the mortgage ... from liability of the debt. Consult with your attorney before agreeing to any deal that involved your home [more...]
Date: 2009-01-14 11:23:37
MORTGAGE FOR BAD CREDIT
If you would like to buy a new home or have some improvement plan but you are in the situation of poor credit score and it is hard to gain the trust ... in the country, and you can also use their programs to help you on debt consolidations, mortgage refinance [more...]
Date: 2008-11-13 07:17:06
Individuals With Too Much Debt Can Receive Monetary Assistance From Federal Grants – Available Now!
Owning a home is a great responsibility and equally a huge reward. Many people who move from an apartment into their own home cite it as one of the most enjoyable experiences of their lives. Home ownership is a very long commitment to a mortgage and that responsibility doesn’t go away just because other circumstances may change. In a financially challenged economy, many homeowners find themselves facing hardships when it comes to keeping their house payments up to date. [more...]
Date: 2009-09-29 18:16:01
Top 10 Ways To Save Money - Number 2 - Live On A Budget
Let’s take ten minutes and create your new budget for December. Write down your expected monthly income. (Use your take-home pay.) ... , mortgage, insurance, food, clothing, gifts, miscellaneous, cell phones, credit card payments, etc. Need ... ! This is the amount that you can budget for extra savings or extra debt reduction payments. Did [more...]
Date: 2008-11-29 21:41:51
How Should We Help Underwater Home Owers ?
Martin Feldstein has another plan to fix housing. It is a variation of the 30/20/10 plan I proposed earlier in the year, ... , recourse loan: “More than 12 million homeowners now have mortgage debt that exceeds the value ... take other assets or income to make up the difference between the unpaid loan balance and the lower [more...]
Date: 2008-11-18 12:40:23
Debt Payoff Refinance - Mortgage Rate and Tip For 1-7-09
Real Mortgage Rate and Tip For Today One min. Podcast Ask Terri A Question - Click Here! ... like credit cards or car loans. You can’t use all of your equity. There has to still be 10% equity left in your home or an loan to value of 90%. These used to be very popular right after the holidays to payoff [more...]
Date: 2009-01-07 16:31:45
Cram Down
Allowing bankruptcy judges to deal with mortgage debt has always been the most sensible way to deal with the foreclosure crisis in a way which allows people to keep their homes without reinflating the bubble. Hopefully it really passes. In the old regime of 10%+ down, ability to pay, and 30 year fixed rate mortgages exempting mortgages [more...]
Date: 2009-01-06 14:57:00
Mr Mortgage Loan Mod Survey - I Would Appreciate Your Assistance
I need a favor from all of my mortgage broker and home owner friends out there ... done the right way. I have swung completely over to this side of the fence as regulators, law makers ... is fully re-underwritten using present income and debt levels, prudent 28/36 debt-to-income ratios [more...]
Date: 2009-01-03 16:03:10
