Consequences Are Unchanged Despite Bankruptcy's Fading Stigma

 

http://www.mainstreet.com/article/moneyinvesting/credit/debt/consequences-are-unchanged-despite-bankruptcys-fading-stigma

 

 

 as appearing in The Street

 

NEW YORK (MainStreet) — More than 13.5 million individuals and businesses filed bankruptcy in the last 10 years, according to Money Management International data while Detroit became the largest American city to go broke.And as it becomes increasingly a part of our national discourse, so too does it become less of a big deal.

This is Increasingly Popular to Help Debtors Improve Credit Scores

 

http://www.mainstreet.com/article/moneyinvesting/credit/debt/increasingly-popular-help-debtors-improve-credit-scores

 

 as appearing in The Street

 

 

NEW YORK (MainStreet) — More than 70% of American apartment dwellers want their rent to count toward their credit history, according to a new WilliamPaid survey.

The study found that a majority of apartment renters also want their rent as well as gas, electricity and telephone services to be a factor in determining their credit scores through credit reporting agencies.

We Have to Let Students Go Bankrupt Again

 

http://www.mainstreet.com/article/moneyinvesting/credit/debt/we-have-let-students-go-bankrupt-again

 

 as appearing in The Street

 

 

 

BOSTON (MainStreet) — We've all heard the figures: Student loan debt in the United States now exceeds $1 trillion dollars, surpassing our nation's collective credit card debt.

Yet, unlike our credit card debt — or any other debt, for that matter — student loans for the most part cannot be discharged in bankruptcy. A report released in August by the Center for American Progress, though, calls for that to change.
 

Wells Fargo sends refunds to some FHA mortgage customers. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/11/01/wells-fargo-sends-refunds-to-some-fha-mortgage-customers-susan-salehi-bankruptcy-ventura-

Posted on 11/01/2012 by Susan Salehi

The bank says the customers paid unnecessary fees for their loans. If customers cash the checks, they can’t later sue Wells Fargo.

• The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Retirement made easy: Here is the magic number. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/10/08/retirement-made-easy-here-is-the-magic-number-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

As couples plan for retirement, there is a helpful checklist they ought to consult to make sure they have enough money to maintain their accustomed lifestyle after they quit working.
It’s the impossible dream to many people: coming up with enough money to retire well. But Fidelity investments has come up with a new strategy to figure out if you are saving enough and not just making it a race to The Number.
The Number, of course, is the total you need to assure an adequate retirement. For some of us it’s like those medical charts telling you the optimal weight for your height. Great, but how do I get there?
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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Make the Most of These 5 Health Insurance Changes in 2013.Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://bkhelpnow.com/wordpress/2012/10/04/make-the-most-of-these-5-health-insurance-changes-in-2013-susan-salehi-bankruptcy-ventura-oxnard-camarillo-santa-barbara-woodland-hills-los-angeles-ca/

Posted on 10/04/2012 by Susan Salehi

http://www.savvysugar.com/Health-Insurance-Changes-2013

 

 

The National Business Group on Health conducts an annual survey of health benefits offered by many of the largest employers nationwide, and it always provides a first glimpse at health-plan changes for the coming year. The big headline is that employers expect benefit costs to rise by an average of seven percent in 2013 — on top of increases of about seven percent in both 2011 and 2012.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.
Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.
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A Winning Strategy for Saving: These Sites Make It a Game

http://www.dailyfinance.com/2012/09/20/saving-money-game-smartypig-saveup/

With interest rates so low these days, it's hard to get motivated about putting money into a savings account. But it is important for us to save, and so services have popped up that use other methods to encourage us. Two in particular -- SaveUp and SmartyPig -- turn the act of saving or paying down debt into a game: Play enough, and you can get sweet deals on gift cards or win a new iPad.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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2013 401k and IRA contribution limits. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://thefinancebuff.com/2013-401k-and-ira-contribution-limits.html


The Consumer Price Index for August 2012 was released last Friday. It gives me one more data point to calculate 2013 401k and IRA contribution limits. Because of various rounding rules, I don’t necessarily have to wait until next month to project what the 2013 contribution limits will be.
Here are my projections:

	2012	2013	Increase
Limit on employee contributions to 401k, 403b, or 457 plan	$17,000	$17,500	$500
Limit on age 50+ catchup contributions to 401k, 403b, or 457 plan	$5,500	$5,500	None
Traditional and Roth IRA contribution limit	$5,000	$5,500	$500
Traditional and Roth IRA age 50+ catchup contribution limit	$1,000	$1,000	None
SIMPLE 401k or SIMPLE IRA contributions limit	$11,500	$12,000	$500
SIMPLE 401k or SIMPLE IRA age 50+ catchup contributions limit	$2,500	$2,500	None
Maximum annual additions to all defined contribution plans by the same employer	$50,000	$51,000	$1,000
Highly Compensated Employee definition	$115,000	$115,000	None

If you are curious how the numbers adjust to inflation, see my post from last year 2012 401k and IRA Contribution Limits.
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Rent or Buy? The Real Question Is, Your Money or Your Freedom? Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://www.dailyfinance.com/2012/09/18/rent-or-buy-home-car-money-vs-freedom/

From apartments and cars to clothing and furniture, huge numbers of the "Recession Generation" (20- to 34-year-olds) are choosing to rent their possessions, according to Bloomberg.

It's understandable -- in the wake of the Great Recession, the jobless rate has topped 8% for three years, student-loan debt totals $1 trillion, and among those able to get jobs right out of school, the median starting salary is a measly $27,000
The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Young Americans ditch the car. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/18/young-americans-ditch-the-car-susan-salehi-

 

NEW YORK (CNNMoney) — America’s young people just aren’t buying cars like they used to.
The share of new cars purchased by those aged 18-34 dropped 30% in the last five years, according to the car shopping web site Edmunds.com.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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7 Pitfalls to Avoid When Paying For College. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/18/7-pitfalls-to-avoid-when-paying-for-college-susan

You’ve heard the stories about students who borrow $40,000, $60,000, $100,000 to get a college degree and discover upon graduation that the monthly payments are way too high to manage. And then there are parents who stretch to the breaking point to send their kid to a school they can’t afford.
Unrealistic expectations, and the thrill of acceptance letters, can impel families to make decisions that may not only hurt their children’s future but also impair their own. According to a recent report by the Consumer Financial Protection Bureau, 10 percent of new grads have monthly loan payments that consume more than 25 percent of their income, and default rates have soared since 2008.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Doctors billing Medicare patients at higher rates, report finds. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/18/doctors-billing-medicare-patients-at-higher-rates-

Thousands of doctors and other medical professionals have added $11 billion or more to fees for elderly Medicare patients over the last decade by choosing to use more expensive billing codes and ignoring cheaper ones, a new study says.

The report “Cracking the Codes”from the non-profit investigative journalism organization Center on Public Integrity analyzed Medicare claims for a year and found thousands of providers “upcoding,” which is “the practice of charging for more extensive and costly services than delivered, according to Medicare experts, analysis of the data and a review of government audits.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Cheaper Student Loans. Who Knew?Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/18/cheaper-student-loans-who-knewsusan-salehi-

 

 The number of borrowers defaulting on …more federal student loans has jumped sharply, the latest indication that rising college tuition costs, low graduation rates and poor job prospects are getting more and more students over their heads in debt.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Low interest rates remain out of reach for many borrowers.Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/18/low-interest-rates-remain-out-of-reach-for-many-

The Federal Reserve announced big new steps last week to further push down mortgage interest rates and spur housing. But the vast majority of Americans with mortgages have rates higher than those rock-bottom ones already being offered by the big lenders, indicating that many people are unable to take advantage of the historic drops in loan costs when it could be helping them the most.

Several factors may be keeping homeowners from securing lower mortgage rates, economists said, including battered credit, insufficient income, stricter lending standards and the cost of refinancing. But a major aftershock from the housing crisis itself also remains a big stumbling block: the significant chunk of homeowners who are underwater and unable to get new loans.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Can California Change How We Save for Retirement? Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/17/can-california-change-how-we-save-for-retirement-

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Policy Bigwigs Sound the Alarm over ‘Fiscal Cliff’. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/17/policy-bigwigs-sound-the-alarm-over-fiscal-cliff-

With Congress back in session, two competing views have emerged about the impact of the looming fiscal cliff — it’s either the jolt needed for politicians to finally rise above their philosophical differences on controlling the debt, or the painful shock that will cause them to burrow deeper into their ideologies.

 Few expect a deal of any kind before the November presidential election, but the automatic tax hikes ($240 billion) and spending cuts ($109 billion) slated to begin next year as part of the cliff have become the focal point of a gridlocked government.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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Gas credit cards provide few rewards. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/17/gas-credit-cards-provide-few-rewards-susan-salehi-

CHICAGO (MarketWatch) — Don’t waste wallet space with gas credit cards. They tend to be costly with few rewards and don’t have near the flexibility of a general-purpose card, experts say.

“If you give your loyalty to a gas company, you would expect they will give you something back,” said Anisha Sekar, vice president of credit and debit products at NerdWallet.com, a financial-services information site. “Unfortunately, that’s not always the case.”
Gas cards generally are issued in two versions: gas-only branded cards, which you can only use at that station, or co-branded cards that are a Visa or MasterCard and can be used almost anywhere.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Calltoday for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com. Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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A Condo Was Sold, Until It Wasn’t. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://www.nytimes.com/2012/09/16/business/a-florida-condo-sale-and-a-markets-dysfunction-fair-game.html?ref=economy

Chaos and conflict rein over many mortgage workouts. Until that changes, housing will struggle.

The case at hand — and it’s a whopper — involves a short sale on a condominium in Deltona, Fla. Short sales are transactions in which a bank and a borrower agree to sell a property for less than the amount owed on the mortage.

The Law Office of Susan J. Salehi has helped 1000’s of people like yourself with Chapter 7 and 13 bankruptcies since 1992, both in the Santa Barbara/Ventura and Kern County areas. We offer a free consultation, reasonable rates and payment plans. All of your options will be explained during your free consultation with the attorney at the Law Offices of Susan J. Salehi. We ask that you bring six months’ proof of income (paystubs/rent receipts/profit and loss statement if self-employed), the last two years’ tax return, a credit report – free ones are available at www.annualcreditreport.com, any foreclosure notices, lawsuits, and correspondence from the IRS or FTB if you owe pastdue taxes.

Call today for a free, no-obligation consultation, contact us through our website at salehilaw@aol.com.
Start at only $999 Attorney Fees. Restrictions Apply. Stop Foreclosures with a Chapter 13. Operators 24/7. (805) 654-1467, (818) 880-8305, (661) 631-0252, (805) 202-4688.

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In Prosecutors, Debt Collectors Find a Partner. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://www.nytimes.com/2012/09/16/business/in-prosecutors-debt-collectors-find-a-partner.html?_r=1&ref=business

 

Noah Berger for The New York Times

Angela Yartz with debt collection notices on district attorney letterhead. She was threatened with conviction over a $47.95 check to Walmart.

The letters are sent by the thousands to people across the country who have written bad checks, threatening them with jail if they do not pay up.

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They bear the seal and signature of the local district attorney’s office. But there is a catch: the letters are from debt-collection companies, which the prosecutors allow to use their letterhead. In return, the companies try to collect not only the unpaid check, but also high fees from debtors for a class on budgeting and financial responsibility, some of which goes back to the district attorneys’ offices.

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