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How to discharge student loans in bankruptcy? https://3wayfunding.com/optin

Posted by HOUSTON MCMILLER on January 2, 2017 at 7:50pm

How to discharge student loans in bankruptcy?

When you’re trying to discharge a student loan in bankruptcy, you need to know which student loans are dischargeable. There’s a difference between a federal student loan, federal student loan serviced by a private student loan, and a private student loan?

A federal student loan is issued by the federal government and serviced by the federal government. They have a lower interest rate and the federal government usually can forgive the balance of the loan if you are not able to make the payments.

Now the federal student loans that are serviced by private lenders have been recalled by the federal government because the private servicer were not being flexible with the borrower with their payment plans. Which also cause the borrower to default as well as taint the borrower credit.

The third type of student loan is from private lenders, such as Sallie Mae, Citibank, Wells Fargo, bank of America, and Navient, which is a subsidiary of Sallie Mae. When these private lenders issue student loans they do not have the federal government protection, so those loans are treated like a regular personal loan. Which also means that these lenders make up their own rules when issuing loan and collecting on them. They can increase the interest rates, if you miss a payment, they’ll send you collections, file the insurance claim get your student loan paid off and then force you to may them too.

How To Get Out Of ChexSystems (check system) http://BusinessCreditAmerica.com

Posted by HOUSTON MCMILLER on November 20, 2013 at 11:41am

http://www.businesscreditamerica.com/blog/ Have you ever wrote a bad check and now you can not get a checking account? Well, you're now alone. In this video, I'll show you, how to get a new checking account as well as show you how to contact ChexSystems to remove youself from their database.

PAYBOX PAYMENT PROCESSOR APPLICATION UPDATE NEED TESTER FOR APPLICATION

Posted by Rickey on October 4, 2010 at 4:50pm

here is the company update********************The new features will allow you to begin using your existing PayBox balance. These features will give you the opportunity to earn more money as well as spend your PayBox balance on some things you may want to buy.If you’ve enjoyed (but are now getting tired of) simply pushing money back and forth between accounts with the Person-to-Person transaction ability — you’re in for a real treat when these new features launch!Our developers are under a lot of pressure to get the new features live as soon as possible.So, when will the new features be ready for EarlyBird users to begin testing? Possibly as early as Friday, October 8th… if everything goes smoothly. However, if the developers run into unexpected issues, then the features may not launch until as late as Friday, October 15th.*************here is where you can help. I need people to test the send/receive portion of the payment processor. There is no money involved. The company issues credits to people testing the system. Those credits can be sent to other users.There is no cost to sign up and you are given $50 credit to work with.You do not give any of your financial information.I reported on this company weeks back. I like what they are trying to do.I remember before it was known as Paypal, this was done the same way.The project name was X.com ( now that was reassuring name LOL).So come on over and have some fun working with a company that wants to beanother PayPaL.use this link , talk with ya, laterhttp://www.paybox.me/r/juniquesOH YES, SEND ME YOU LINK SO I START SENDING YOU CREDITS!!!

LADIES...The 14 STEPS YOU MUST TAKE TODAY TO FINALLY BECOME A Homeowner...

Posted by Denise R. McCoy on October 8, 2009 at 7:19pm

Oftentimes, I'm asked, "Denise, what steps do I need to take to become a homeowner." Although there are several steps to follow to become a homeowner, here's just a few of them:1. Interview a Realtor2. Get Pre-Qualified by a lender3. Arrange property tours4. Target a home that is "ideal" and write an offer5. Present the offer to the seller6. Counter offer7. Escrow8. Loan application9. Contingency period10. Homeowner insurance coverage11. Signing documents with title company12. Down payment and closing costs13. Funding14. Close of escrowFor more details about each step, send me an email: denise.mccoytilson@rearealtors.com or call me at 916-534-5239. I would love to help.Denise R. McCoyRealtor/Employer Housing Specialistwww.ReaRealtors.com916-534-5239 or 916-852-5100

Introducing Homesteps a FreddieMac Unit..great resource for you!Share

Posted by Denise R. McCoy on October 8, 2009 at 7:14pm

Find A Home - SearchAt any time, HomeSteps has thousands of homes available for sale in neighborhoods across the United States. These include single-family homes, condominiums, townhomes and more.Search for your next home by browsing our database of homes for sale. You can search by features such as city, state, number of bedrooms, etc.Or let our Home Detective tool do the looking for you. Just plug in your selection criteriaand sit back and relax. We'll send you e-mail updates when homes matching your criteria become available. And best of all, it's free!Would you like to receive more information from HomeSteps?http://www.homesteps.comDenies R. McCoyRealtor/Home Steps Agent916-534-5239denise.mccoytilson@yahoo.com

Buying a Home is a Process

Posted by Yasmin Sabur on January 5, 2009 at 2:19am

Buying a home is not a spur of the moment decision. Taking time to prepare and doing the homework not only makes the process less stressful, but will make homeownership a pleasure.Getting OrganizedStart with a loose-leaf notebook and some sharpened pencils. Manilla file folders are helpful in organizing bills and other documents needed for loan applications. Having a business telephone directory on hand or access to a computer is a good idea. After making calls, record the phone numbers, contact name and a short note on the conversation in the notebook under a reference tab.Rent vs. HomeownershipFor some renting makes more sense than purchasing a home. The only way to determine this is by comparing the costs of homeownership to renting.In addition to mortgage payments (first and second mortgages) taxes and insurance (mortgage insurance and homeowner insurance) must be included in the owning a home column.The next items in the column should be utilities. For a home these include gas, oil, electricity, water, waste disposal (garbage pickup), and optional telephone and cable costs.Condominiums and Co-op FeesSome first time homebuyers decide to purchase condominiums or co-operative units because many of the utility and maintenance costs are included in the homeowners’ association (HOA) fees. Include these fees on the list and remember that all utilities may not be covered. Contact several homeowners’ associations to get an idea of what the HOA fee covers.Mortgage Credit CertificateThe Mortgage Credit Certificate program offers a federal tax credit for mortgage interest paid. Most states participate in this program. The credit can be used to increase the homeowner’s take home pay and offset the costs of owning and maintaining a home. Contact area real estate agents, state and county housing departments and employer payroll departments for information on this program. Deduct the amount of the credit from the cost of owning a home.Maintenance CostsMaintenance costs cover a wide range of items from lawnmowers to roof repair. Trees have to be pruned, lawns mowed, heating systems maintained, windows caulked in cold climates, broken pipes and windows replaced, leaky faucets repaired. Make maintenance costs an item in the homeowner column.Call local utility companies and work with a local real estate agent to establish a good estimate of these costs. Always go with the higher estimate.Home Improvement GrantsMany states and counties offer home repair and improvement grants to homeowners. Homeownership is a requirement for most of these grants. Knowing the eligible areas, property types, and grant uses will assist in determining if the grants can be useful after purchasing a home. Visit myhomedownpayment.com, and contact state and local housing departments for grant information.Intangible costsMortgage payments, utilities, maintenance and repairs are the tangible costs of owning a home. Intangible costs require another list that should include the following questions:Why do I want to purchase a home?Do I have enough time to maintain a home? (Not maintaining a home will decrease the property’s value.)Can I change a light bulb, mow a lawn, paint the front door, replace a lock, caulk a window, repair a faucet, trigger an electrical circuit, recognize mold or termite damage?Do I have a tool kit?Am I willing to make financial sacrifices if owning a home costs more than I am paying in rent now?What am I willing to cut back on financially to own a home?Will a major financial emergency (health, car repairs, or job loss) impact my ability to make my mortgage payment?Do I have a savings account?If I create a budget will I stick to it?If owning a home requires a lifestyle change, am I sure (as much as it is possible to be) I want to change for the long term?How often do I call my landlord to make simple repairs?The author, Yasmin Sabur, is the founding member of My Home Down Payment and myhomedownpayment.com, e-education businesses promoting affordable housing through mortgage down payment assistance programs for low-to-moderate income families.

How to Turn Your Financial Troubles Around

Posted by Blondie L. Clayton on November 16, 2008 at 2:04am

Money worries have many different voices: “How am I going to pay my phone bill? My lights are almost two months behind. The rent is due. What are we going to do about the mortgage? We don’t have money for football uniforms. No field trip. That cost money. No, you can’t have that, it cost more than what we have in our budget. They’re coming to take the furniture back; our payment is overdue. The kid needs her braces removed but the dentist won’t do it unless we pay the rest of the money we owe. I’ve lost my job. I’m sorry, honey, they have downsized my position. If I want to keep my job I will have to take a cut in pay. How can I afford these child support payments? I can’t take this any more. What are we going to do?”A mind that is cluttered with money worries may be flooded with one or two or all of these thoughts at one time or another. Maybe you were there once in your life, maybe not. Most people with financial troubles are anxious, confused, angry, harbor feelings of hopelessness, insecurity, and uncertainty about future financial outcomes. Consequently, this state of mind affects everything, including work performance.It’s time for a financial assessment. Is your trouble because you have maxed out your credit cards? Maybe you have more month than money. Do you have medical expenses? Are you sick and can’t work? Have you lost your job, or been downsized? Where did the shortage originate?Once you have assessed where the problem lie, then you can look at remedies. Money troubles in plain simple English are not enough money to cover your present lifestyle. The causes may or may not be within your control.When the funds are low, the logical answer would be to make more but what most people do is fret about it. Some spend more time worrying about what they don’t have while others add on a second job.Money troubles are not going to go away without something changing. Worry will not make up the deficit but initiating a plan of action will.Step IMake a list of all of your monthly household livingexpenses: mortgage, rent, utility bills, etc.Step IIList Your Debts (creditors you owe)Step IIIList your entertainmentStep IVList miscellaneous (lunch, coffee, snacks, etc.)Step VWrite in how much you pay on each. Total thatamount.Step VIList your sources of income (job, spouse, etc.). Takethe total from this and subtract it from what you spend onhousehold, debts and entertainment. If that figure showsyou are not covering your expenses, look back at yourexpenses; see what you can eliminate from entertainment.Make a list of other areas you are expending money,such as lunch, dry cleaning, hair cuts, etc.Try taking your lunch from home rather than buying lunch. The average lunch cost about $7.00. That $7.00 for five days comes to $35.00 a week, totaling $140.00 a month. Imagine if you, your wife and children spent the same amount weekly,that would amount to a partial mortgage or rental payment.Take a look at your Debt. Began to work from the smallest to the largest. Take the money you saved from not buying, let’s say lunch, and redirect the total amount towards paying off the smallest debt first.As you pay off each debt, take that money and add it to the next smallest debt, working your way to the largest, until you have eliminated your debt completely. While you are doing this, examine your household budget.Look at how to eliminate some of your other expenditures; for example, if you have a high cell phone bill, you might want to exchange that cell phone for one with a more fixed rate. Maybe instead of hiring a lawn service, you could cut the grass yourself. Perhaps you might visit Barber or cosmetology trade schools to obtain these services at a reduced rate.Look at what you are already doing first to find the extra money. If you still need more to make up the deficit, then you might look at your skills and talents: start a home-based business. It’s something you could do as a family.Money troubles can be conquered, if you are willing to take a few extra steps. Don’t look at the impossible debt mountain, began the climb one step at a time. And, yes, it is okay to reward yourself along the way but keep in mind where you are headed. Don’t overdo it. Once your debt is eliminated, don’t spend the excess money; instead, add it to your future savings options.Understand that paying your debts down will not take place overnight but if you are consistent it will happen.Blondie L. Clayton is a Realization Strategist™, Publishing Coach, Author of several books, Freelance Writer, hosts of several radio talk shows online. Download your free debt free starter kit at debtfree.print2publish.com

Note: this page contains paid content.

Note: this page contains paid content.

Note: this page contains paid content.

Note: this page contains paid content.