Friday, August 30, 2013

Declare Independence From Your Student Loans

 
 
 
When it comes to declaring independence from debt, a lot of us are under the thumb of the same dictator: student loans. In fact, according to a recent report from the Urban Institute, one in five adults over the age of 20 are carrying student loan debt -- and more than half of them are worried about how they're going to pay it off.

Most advice on student loan debt focuses on how to avoid getting mired in it in the first place. For people in college, those tips can be very useful -- after all, it's worthwhile to know that the road to riches isn't paved with psychology degrees, and that private loans are fiscal vampires that will suck the money from your wallet and the joy from your soul. But once you're out of college, the die has been cast, the debt has been accumulated, and the checks start coming due.
  • 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. 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.


  • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    Thursday, August 29, 2013

    What Grads Should Expect Working for Uncle Sam

    Working for Uncle Sam tends not to be at the top of every grad’s dream job list—but maybe it should.
    Experts say there are major benefits to working in local, state and federal government agencies that are often overlooked.
    A 2012 study by the Partnership for Public Service shows that out of 35,000 students of all levels within U.S. colleges and universities, 2.3% planned to work for the federal government compared to working in the private sector (29.7%), advancing into graduate .”


    Read more: http://www.foxbusiness.com/personal-finance/2013/07/08/what-grads-should-expect-working-for-uncle-sam/#ixzz2YUSczUMU
  • 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. 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.


  • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Tuesday, August 27, 2013

    9 Strategies for Improving Your Credit Rating

    1. Pay your bills on time, every time. This strategy may seem extremely obvious. However, late payments are the most common piece of negative information that appears on people's credit reports and is often responsible for significant drops in their credit scores. When it comes to loans and credit cards, it's vital that you always make at least the minimum payments in a timely manner, each and every month, with no exceptions.
    2. Keep your credit card balances low. One factor
  • 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. 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.


  • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Monday, August 26, 2013

    Outrageous E.R. Hospital Charges: What to Do

    It’s no secret that hospital bills in the U.S.—especially ones from the E.R.—can often hit astronomical proportions.
    According to a recent cost study conducted by researchers at Stanford University, the University of Minnesota, the University of California, San Francisco and the Ecologic Institute, the median charge for an emergency room trip in the U.S. comes in at $1,233. But where it really gets interesting is when you look at the specific reasons for those E.R. visits: The researchers found that the treatment price for a headache could range from $15 to a whopping $17,797. As for a sprained ankle, it could set someone back a paltry $4 or up to $24,110!


    Read more: http://www.foxbusiness.com/personal-finance/2013/06/27/outrageous-er-hospital-charges-what-to-do/#ixzz2Y0CmAoyb
  • 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. 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.


  • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

    Saturday, August 24, 2013

    Grandparents and 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. 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.


  • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

    http://www.youtube.com/watch?v=PMJSiWP2Pzw

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    http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms



       

      Wednesday, August 21, 2013

      How to Make Your Home a Product

       

      Many homeowners have been sitting on the sidelines, stuck in their homes and unable to sell because of low home prices or negative equity. But as the market bounces back in many parts of the country, some sellers are starting to see the light at the end of the tunnel.
      If a home sale is in your near future, it’s time to start thinking of your home as a product to be sold on the market. Once for sale, your home becomes less about where you live, where you’ve made memories or have lots of life experiences. And to achieve top dollar, you have to look at your property through the eyes of prospective buyers who will be touring your home. You have to focus on what buyers are looking for.


      Read more: http://www.foxbusiness.com/personal-finance/2013/06/13/how-to-make-your-home-product/#ixzz2YZOLcmOu
    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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      http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

      Monday, August 19, 2013

      Why Your Business Could Be Failing Even If You Hit Your Numbers

       
       
       
      Entrepreneurs, investors and accountants all love to see updated income forecasts. While their projections are usually rosy, more than half of these businesses will fail within the first four years of operation, according to a 2012 University of Tennessee study. Of those failed businesses, 72 percent say they went out of business because they ran out of cash, and 77 percent were started with the owner's money.


      Read more: http://www.entrepreneur.com/article/227232#ixzz2YUjOtJ4N
    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

      http://www.youtube.com/watch?v=PMJSiWP2Pzw

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      http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms
       

      Saturday, August 17, 2013

      10 Real People Who Are Winning Their Fight With Debt

       

       

      As human beings, there are some traits that we all have in common: two hands, one heart, red blood, and, unfortunately for most of us, a ton of debt. The average American carries a $47,000 debt load, and as a nation, nearly $2 trillion of our collective debt is either delinquent or 90 days past due.

      Part of the problem in figuring out how to begin getting out of the red is knowing who to turn to for help. Maybe you're too embarrassed to fess up to your issues or you can't afford a financial advisor. So you might pick up a $20 self-help book or enroll in a $200 debt makeover course online.
    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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      http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

      Thursday, August 15, 2013

      Mortgage Refinance Taxing With 401(k)

       

      Dear Dr. Don,
      I have a rather convoluted question or rather several questions that branch out from one question. We have a mortgage with a loan balance of $245,000 on a home valued at $265,000 resulting in a monthly private mortgage insurance, or PMI, of $130. Our mortgage annual percentage rate, or APR, is 6.87%. We have $40,000 in a 401(k) account.
      Would it behoove us to withdraw the 401(k


      Read more: http://www.foxbusiness.com/personal-finance/2013/07/05/mortgage-refinance-taxing-with-401k/#ixzz2YUWVioR8
    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

      http://www.youtube.com/watch?v=PMJSiWP2Pzw

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      http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms
       

      Tuesday, August 13, 2013

      Mortgage lender accused of paying illegal bonuses for costlier loans

       

       
      WASHINGTON -- The Consumer Financial Protection Bureau on Tuesday sued Castle & Cooke Mortgage, accusing it of paying illegal bonuses to employees who steered home buyers toward higher-interest loans.
      The suit marks the first time a company has been targeted under new federal loan-origination compensation rules adopted after a mountain of bad home loans set off a global financial crisis.

      Monday, August 12, 2013

      Did You Miss the Best Real Estate Buying Bonanza in Decades?

       

      Has your best chance at getting a great deal on your dream home or investment property passed you by?
      The answer is no. But you certainly did miss the bottom — the intersection of low home prices and rock-bottom mortgage rates.
      But it’s still a bonanza out there for prudent buyers! Real estate is still incredibly low priced, mortgage rates are still reasonably low and great wealth still can be earned from owning quality properties for the long term.


      Read more: http://www.foxbusiness.com/personal-finance/2013/07/08/did-miss-best-real-estate-buying-bonanza-in-decades/#ixzz2YUWIU6CR
    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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      Sunday, August 11, 2013

      Susan J Salehi Bankruptcy Attorney - Can a Chapter 13 Bankruptcy Solve Your Bankruptcy Problems?

      Some firms file a lot of Chapter 7 cases but seem to not explain or offer their clients the option of a Chapter 13 bankruptcy, which can help you bring pastdue mortgage payments current, "strip off" unsecured second mortgages, pay pastdue taxes and child support/alimony, stop lawsuits, etc. Chapter 13 is also very helpful for people who make too much money to qualify for a Chapter 7 or too many assets that they might lose in a Chapter 7 case.

      I have met with many people who met with one of the attorneys who only do Chapter 7 and who had not been advised of the advantages of filing a Chapter 13. Fortunately, I could still help those people keep their homes and reorganize their debts. Others have come to me after they filed a Chapter 7 through one of these "Chapter 7 only firms" and it is so difficult to have to explain to them that they could have kept their home if they have been given a comprehensive consultation and been given all of their options before filing.

      I have offices in Ventura (805) 654-1467, Santa Barbara (805) 202-4688, Bakersfield (661) 631-0252, and Woodland Hills (818) 880-8305. If you prefer, you can contact me by email at salehilaw@aol.com or through my website at www.bkhelpnow.com.

      I represent debtors exclusively in Consumer and Small Business Bankruptcies, and have represented 1000's of clients since 1991.

      There are very few people that I cannot help with either a Chapter 7 or Chapter 13 bankruptcy.

      Bankruptcy us not a bad word. It is a very helpful process to get your financial life back on track.

      The call is free. The consultation is free. you will always meet with me, never a paralegal or other assistant. Most of my work is done on a "flat fee" basis and you will receive a written fee quote before you leave my office.

      Friday, August 9, 2013

      How to Control Your Utility Bills this Summer

       As temperatures continue to rise across the country at the height of summer, so are electricity bills as many of us blast the air conditioning.

      Electricity prices have been holding steady this year, but increased AC use leads to higher tilty bills, and that can be hard on a household budget.


      Read more:
      http://www.foxbusiness.com/personal-finance/2013/07/19/how-to-control-your-utility-bills-this-summer/#ixzz2Zuj6nQkr
       

      10 Reasons You Can’t Buy a House

       

      As home prices continue to rise and mortgage rates creep above 4%, home buyers are jumping into the market as sellers move off the sidelines. But strict lending standards have complicated the home-buying process.
      Even if you have the down payment for a new house, that might not be enough to move into your dream house. Despite the uptick in the housing market, banks are using much more stringent standards when making a mortgage loan.
      It’s not just the expected problems like late payments, charge-offs, collection accounts or judgments against you that can prevent securing a mortgage. More common events might stop you from making your dream home become a reality.
      Here are 10 events that can hurt your credit score and how to prevent them:
      Your credit has been checked too often. Applying for credit cards or loans can shave precious points off your credit score. And if you’re close to the threshold between a “good” or “fair” credit score, even a few points can be the difference between qualifying for a loan. 


      Read more: http://www.foxbusiness.com/personal-finance/2013/07/09/10-reasons-cant-buy-house/#ixzz2YZOCeBuO
    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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      Wednesday, August 7, 2013

      10 Questions to Ask Before Applying for a Bank Loan

       
      Most small-business owners need a bank loan at one time or another, and applying for one involves much more than filling out paperwork and saying a prayer. Among other things, you need to consider the state of your personal and business finances, how you're going to repay the loan, and how much money you actually need.
      Here are some of the key questions you should ask before starting an application:
      Is it likely I will qualify for the loan?
      You're only going to hurt your credit if you apply for a loan you won't get. "Just like if you get declined for a personal credit card, it makes it more difficult to borrow in the future," says David Gass, a business consultant and coach in Meridian, Idaho. "If you get turned down, it looks to the next bank like you're a bad risk." He suggests asking lending institutions about their specific requirements before applying.
    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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      Sunday, August 4, 2013

      Tips for Moving During Your Retirement Years

       

      As the baby boomers who have been proactive in their retirement planning ease into their golden years, many are asking an age-old retirement question: Should we move?
      Traditionally, many retirees have picked up and moved to warmer places, such as California and Arizona. Others have migrated to states that combine a mild climate with low taxes, such as Florida or Texas.


      Read more: http://www.foxbusiness.com/personal-finance/2013/06/25/tips-for-moving-during-your-retirement-years/#ixzz2Y0CwBsgV
    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

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      http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms

      Thursday, August 1, 2013

      9 Strategies for Improving Your Credit Rating

      1. Pay your bills on time, every time. This strategy may seem extremely obvious. However, late payments are the most common piece of negative information that appears on people's credit reports and is often responsible for significant drops in their credit scores. When it comes to loans and credit cards, it's vital that you always make at least the minimum payments in a timely manner, each and every month, with no exceptions.
      2. Keep your credit card balances low. One factor

    • 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. 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.


    • http://www.dailymotion.com/video/xl3ljf_bankruptcy-lawyer-in-ventura-ca-susan-j-salehi_creation

      http://www.youtube.com/watch?v=PMJSiWP2Pzw

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      http://www.dailymotion.com/video/xt679n_bankruptcy-attorney-ventura-oxnard-camarillo-santa-barbara_shortfilms