Debtor Audit

 

 

http://www.justice.gov/ust/eo/public_affairs/debtor_audit/index.htm

How doctors and hospitals have collected billions in questionable Medicare fees. Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA.

http://www.publicintegrity.org/2012/09/15/10810/how-doctors-and-hospitals-have-collected-billions-questionable-medicare-fees

 

 

• Thousands of medical professionals have billed Medicare at progressively higher rates over a decade’s time, costing taxpayers at least $11 billion in inflated charges.
• A significant portion of the added charges is likely due to “upcoding” — charging for more extensive and costly services than actually delivered.
• Upcoding is facilitated by abuse of Medicare billing codes that reflect the range of care delivered and the time it takes. Many doctors have steadily billed the higher-level — and more lucrative — codes, while spurning those that pay less.

 

Mark McClellan, former administrator of the Centers for Medicare and Medicaid Services (CMS)Charles Dharapak/AP file

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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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10 Top Reasons Why First-Time Entrepreneurs . Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/17/10-top-reasons-why-first-time-entrepreneurs-

image credit: Shutterstock

“For entrepreneurs — especially those just starting out — businesses succeed as much as they fail. I’ve seen this time and again as a mentor and entrepreneur. But statistics also suggest that the failure rate for new startups within the first five years is as high as 50 percent.
Of course, real entrepreneurs treat business failure as a milestone on the road to success. They count on learning from their mistakes, and use the experience to move to the next idea. But why not learn from the mistakes of others, without all the pain and suffering?
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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The Riskiest Places to Use Your Credit Card. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://finance.yahoo.com/news/the-riskiest-places-to-use-your-credit-card.html

, you can still be a victim of credit card fraud. Credit card companies

and banks are more and more often putting the onus of catching phony or incorrect credit card charges on the consumer.

The most important thing is to check your billing statment, of course. And there are organizations like Creditcards.com that offer tips on how to keep your cards safe as well. Here, we take a look at 10 of the riskiest places you might use your card, according to Creditcards.com , and what you can do to avoid the dangers.

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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5 Reasons Why the Housing Market Recovery Won't Last

http://www.dailyfinance.com/2012/09/12/5-reasons-why-the-housing-market-recovery-wont-last/

Investors seem to be loving homebuilders these days.

Shares of Lennar (LEN) hit a five-year high last week. Toll Brothers (TOL) followed through fresh five-year peak on Monday.

It's easy to get excited about the bellwethers. Home prices have finally started to inch higher. Developers are growing their bottom lines and their cancellation rates are shrinking. There may be a few laggards out there, but the trend is generally upbeat.

Analysts see Lennar and Toll Brothers growing their revenue 26% and 23% respectively this year, and are looking for those rates to accelerate in the next fiscal year.

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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16 free fall Stanford classes that will help you build your business

http://venturebeat.com/2012/09/09/stanford-free-fall-courses/ 

 

 

 Stanford is offering 16 free, online courses for anyone looking to pick up a few extra skills. The courses include some technology and entrepreneurship-based subjects that could help you get that edge you need.

Stanford University is the institution for entrepreneurship. In its history, the university spit out notable alumni such as Vint Cerf, now vice president and chief Internet evangelist at Google, Google co-founders Sergey Brin and Larry Page, William Hewlett and David Packard of HP, and a number of recognizable technology enthusiasts.
It encourages students to start businesses, and offers courses to that end. Now it’s offering 16 free courses with focuses in business, entrepreneurship, technology, and science. But you don’t have to be a full-time student at Stanford to take advantage. The university says, “the courses are open to anyone with a computer, anywhere.”
For nine of these courses, Stanford is using Coursera, which partners with universities across the country to organize and launch free courses. It thus far has 16 participating universities, in addition to $16 million in its first round of funding. “Writing in the Sciences” and “Human-Computer Interaction” are two of Stanford’s courses being hosted by the startup.
 

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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Things to Know About Your Spouse's Finances

http://finance.yahoo.com/news/things-know-spouses-money-183711277.html

You wouldn't merge companies without combing through a potential business partner's finances. In financial terms, the joint venture known as marriage is similar.

Sound unromantic? Consider this: the most commonly cited cause of divorce in the U.S. is unexpected financial stress. So it follows that one of the wisest ways to protect a marriage is honest financial openness and planning.
"Regardless of your attitudes about money, spouses must give full disclosure on their finances because each person is liable for the other," says certified financial planner Dean Harman of Harman Wealth Management.
Want to be good at the business of marriage? Take a deep breath and put everything on the table.

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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'Underwater Mortgage' Refis Get Fresh Push in Congress

http://www.cnbc.com/id/48973237

 

A slight improvement in home prices has helped to pull some U.S. homeowners back above water on their mortgages, but the gains are small, and the problem is still epidemic.

Tooga | Stone | Getty Images 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. www.bkhelpnow.com www.bkhelpnow.com/wordpress https://twitter.com/#!/lawyer93001 http://paper.li/lawyer93001/1340474350 http://bankruptcyattorneyventuraoxnard.blogspot.com/

As of July, 22.4 percent of homeowners with a mortgage owed more than their home was worth, according to a new report from Lender Processing Services. (Read More: Home Prices Are Not Rebounding as Fast as You Think.)

The numbers go higher, as the loans get more troubled. Of non-current mortgages, 57.6 percent are underwater, and of loans in foreclosure, 68.3 percent.

How to Prevent Your Business From Ruining Your Personal Life

http://www.entrepreneur.com/blog/224382?cam=Dev&ctp=Carousel&cdt=14&cdn=224382

 

image credit: UK Yahoo Groups

For entrepreneurs and small business owners, long hours can take a toll on personal relationships, leaving your partner feeling taken for granted while you focus on growing your business.
“Partners will often say they knew what they were getting into but it’s really wearing them down,” says Rachel Sussman, a marriage and family therapist in New York City.
Your partner may feel alienated from you, taken advantage of, or overburdened with an unfair share of daily chores. “Those issues often come out in a fight as an explosion,” Sussman says.
To prevent resentment from building up in the first place, you need to communicate clearly and anticipate possible problems before they happen.

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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Startup Stories: Nearly broke but full of hope, The New Hive comes to San Francisco. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CAo.

http://venturebeat.com/2012/09/10/startup-stories-the-new-hive/

 

Zach Verdin and his co-founders have been living in a sublet apartment in San Francisco for ten weeks. They’ve paid their rent through the end of this month; there’s no guarantee they’ll be able to pay for another month.
At a spur-of-the-moment meeting with me, Verdin was speaking fast, talking with his hands, frantically pushing his fingers through his hair as he explained to me exactly what brought him to the city: why an entrepreneur, an artist, and a programmer needed to leave everything behind to be here.

Startup Stories

This is the first in a series of startup profiles by Jolie O’Dell, who is interviewing aspiring entrepreneurs in San Francisco coffee shops. Follow Jolie’s Twitter feed to find out when her next interview is happening.

He’d been living in Seattle, where he met his co-founders, for several years. He went there after he dropped out of college; he picked Seattle not just for the tech scene but for the actual, geographical scene.
“At that time, being close to nature, being able to take hikes, really fueled my creativity,” he told me under a foggy San Francisco sky and over two foam-art-encrusted cups of hipster coffee near the Golden Gate Park panhandle.

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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Latest Jobs Numbers--Worse than You Think. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://www.thefiscaltimes.com/Columns/2012/09/09/Latest-Jobs-Numbers-Worse-than-You-Think.aspx#page1

 

 

 

  

By MORTIMER B. ZUCKERMAN, US News and World Report

September 9, 2012

Don't be fooled by the headline unemployment number of 8.1 percent announced on Friday. The reason the number dropped to 8.1 percent from 8.3 percent in July was not because more jobs were created, but because more people quit looking for work.
  The number for August reflects only people who have actively applied for a job in the past four weeks, either by interview or by filling an application form. But when the average period of unemployment is nearly 40 weeks, it is unrealistic to expect everyone who needs a job to keep seeking work consistently for months on end. You don't have to be lazy to recoil from the heartbreaking futility of knocking, week after week, on closed doors.
How many people are out of work but not counted as unemployed because they hadn't sought work in the past four weeks? Eight million. This is the sort of distressing number that turns up when you look beyond the headline number.

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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Seniors Turn to Risky ‘Reverse’ Mortgages fSusan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CAor Cash.

http://www.thefiscaltimes.com/Articles/2012/09/10/Seniors-Turn-to-Risky-Reverse-Mortgages-for-Cash.aspx#page1

 

 

 

 

By SHERYL NANCE-NASH, The Fiscal Times

September 10, 2012

Elderly homeowners signing up for “reverse” mortgages might be latest victims of the housing crisis.
A reverse mortgage allows homeowners 62 and older who own their homes outright or who have low mortgage balances to get cash by borrowing against the equity in their home. The mortgage comes due when the borrower dies, moves or sells the home – often shifting the responsibility to family members or heirs.
RELATED: The Underwater Retirement: Home Values Ruin Dreams
“Reverse mortgages have increased over the past five years. Many retirees, having experienced massive retirement income loss, due to the current state of the economy, have resulted to reverse mortgages as a financial refuge,” says J. Varney Barker, author of New Rules of Home Ownership for the 21st Century.

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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What Can the Fed Do? 5 Possible Steps. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://www.cnbc.com/id/48972282

The Federal Reserve headquarters in Washington, DC.

Federal Reserve Chairman Ben Bernanke has made plain that the U.S. central bank is seriously considering additional monetary policy easing at its meeting on Sept. 12-13 to help counter the "grave" stagnation of the U.S. labor market.

The policy-setting Federal Open Market Committee is expected to announce its decision at around 12:30 p.m. (1630 GMT) on Thursday and Bernanke will follow with a news conference at 2:15 p.m. (1815 GMT). The Fed will also release policymakers' quarterly economic and interest rate projections.

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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Who Pays the Top Income Tax Rate? Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://www.thefiscaltimes.com/Articles/2012/09/10/Who-Pays-the-Top-Income-Tax-Rate.aspx#page1

 

By DAVID CAY JOHNSTON, Reuters

September 10, 2012

President Obama wants to raise the top marginal income tax rate on salaries and other ordinary income from 35 percent to 39.6 percent by letting the extended temporary Bush tax cuts expire at year-end.
  Mitt Romney wants to drop the top rate by a fifth to 28 percent (and his running mate, Paul Ryan, the Wisconsin congressman, has called for a top rate of 25 percent).
So who pays the 35 percent rate? How much do they pay?
And how much more would they pay if the Clinton-era rate of 39.6 percent were restored?
As this graphic shows, had the 39.6 percent rate been in effect in 2009, a few people making as little as $100,000 to $200,000 would have been affected. The total increase per taxpayer in that large group would be less than a penny each.

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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Economy's long slump pushing many down the ladder. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://economywatch.nbcnews.com/_news/2012/08/31/13590963-economys-long-slump-pushing-many-down-the-ladder?lite

John Makely / NBC News

Jim Vavrek's temporary work contract was cut short when his employer switched vendors. He spoke about his career while at home with his dog, Vincent, after his last scheduled day of work.

By Allison Linn, NBC News

Jim Vavrek has experienced a lot of firsts in the last few years, and that has not been a good thing.
There was the first time he had his water shut off because he couldn’t pay the bill, and the first time he looked into applying for food stamps because he didn’t know how he could afford to eat.
And there was the first time he realized that despite insurance coverage, he still owed thousands of dollars from his late wife’s short fight with cancer – bills he could not afford to pay.

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.

www.bkhelpnow.com

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What's in Your Wallet? Hopefully Your Share of the National Mortgage Settlement. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://www.huffingtonpost.com/adam-levin/what-might-not-be-in-your_b_1863399.html?utm_hp_ref=business&ir=Business

Hell has frozen over! After years of lawsuits and investigations by federal and state law enforcement agencies -- not to mention some hard-ass negotiations by the U.S. Department of Justice and 49 state Attorneys General (shout-outs to AGs Eric Schneiderman of New York, Beau Biden of Delaware, and Kamala Harris of California) -- mortgage servicers are finally being forced to repay some of the billions of dollars they stole from American consumers. Unfortunately, the timing couldn't be worse.

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.

www.bkhelpnow.com

www.bkhelpnow.com/wordpress

https://twitter.com/#!/lawyer93001

http://paper.li/lawyer93001/1340474350

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States with the strongest housing markets. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bottomline.nbcnews.com/_news/2012/09/10/13663392-states-with-the-strongest-housing-markets?lite

 

 

Matt York / AP

The first home in a new Trend Homes community sits under the Arizona flag in Gilbert, Ariz. Real estate experts say the Phoenix metro housing market is recovering faster than other U.S. cities, bolstered by an upswing in home prices and a decrease in the number of houses on the market.

By Douglas A. McIntyre, 24/7 Wall St.

The housing market is showing signs of a recovery, albeit a halting one. In 10 states, median home prices increased by more than 5.5 percent from July 2011 to July of this year. While there is no single reason why housing markets in these states have done so well, most have several things in common.
24/7 Wall St.: American cities adding the most jobs

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.

www.bkhelpnow.com

www.bkhelpnow.com/wordpress

https://twitter.com/#!/lawyer93001

http://paper.li/lawyer93001/1340474350

http://bankruptcyattorneyventuraoxnard.blogspot.com/

 

Overdraft Fees Sneak Up With Prepaid Cards, Consumer Advocate. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

           

http://www.huffingtonpost.com/2012/09/06/overdraft-fees-prepaid-cards_n_1862271.html?utm_hp_ref=money

Some prepaid cards charge overdraft fees, but there is no disclosure requirement.

NEW YORK -- Prepaid cards have been touted as way to not overspend. Yet some prepaid cards are designed to let you do exactly that -- spend more money than you actually have.
A number of prepaid cards offer overdraft services, charging from $10 to $15 per overdraft. That has some consumer advocates worried that prepaid cards are morphing into credit services that may be costly to consumers.

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.

www.bkhelpnow.com

www.bkhelpnow.com/wordpress

https://twitter.com/#!/lawyer93001

http://paper.li/lawyer93001/1340474350

http://bankruptcyattorneyventuraoxnard.blogspot.com/

Financially on Track by 30? For Too Many, It’s a Pipe Dream. Susan Salehi Bankruptcy Ventura Oxnard Camarillo Santa Barbara Woodland Hills Los Angeles CA

http://bkhelpnow.com/wordpress/2012/09/09/financially-on-track-by-30-for-too-many-its-a-pipe-dream

The big 3-0: For many people, turning 30 means being solidly in the adult world in a tangible way — whether that includes getting married or finding a long-term partner, having children, buying a home, or achieving career and financial goals.
But the recession put some speed bumps on many people’s career tracks — or sent them off their tracks altogether — and today, a large number of early 30-somethings find themselves in a profoundly different position than they’d expected.
For instance, The Wall Street Journal recently pointed out that the Great Recession led to disproportionate unemployment among young people and also affected their long-term incomes. The article cites a Bureau of Labor Statistics study showing that most workers have historically enjoyed the greatest income growth before age 30.
It’s a pattern that does not bode well for those turning 30 now.
 

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.

www.bkhelpnow.com

www.bkhelpnow.com/wordpress

https://twitter.com/#!/lawyer93001

http://paper.li/lawyer93001/1340474350

http://bankruptcyattorneyventuraoxnard.blogspot.com/