Bankruptcy Attorney Ventura Oxnard Camarillo Santa Barbara Bakersfield Woodland Hills Los Angeles CA

Susan J. Salehi Bankruptcy Attorney Ventura, Oxnard, Camarillo,Santa Barbara, Bakersfield, Woodland Hills, Los Angeles,CA .Represented 1000's of debtors in Chapter 7 and Chapter 13 Bankruptcy cases since 1992. Free Consultation. Chapter 7's can help you get rid of Credit Card debt, Medical Bills,and Start at only $999 Attorney Fees. Restrictions Apply.Stop Foreclosures with a Chap 13. Operators 24/7. (805)654-1467

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Monday, February 17, 2014

The Powers and Duties of a Chapter 7 Bankruptcy Trustee

http://www.natlawreview.com/article/powers-and-duties-chapter-7-bankruptcy-trustee

Wednesday, January 22, 2014

Warning signs for holiday credit card debt

Looking for a gift that always fits and doesn't require wrapping? How about a new year that's free from lingering credit card debt?
For many, staying out of debt at this time of year is about as easy as losing 10 pounds. But it's actually quite simple: Know how much you owe. Read your credit card statements. Keep a budget.

Sunday, November 3, 2013

Tips for Preparing an Offer in Compromise

The IRS’s offer in compromise program allows taxpayers facing financial hardships to settle their outstanding tax liability for pennies on the dollar.
The amount the IRS will accept is dependent upon a stringent formula, but the variables are subject to massage. When working with the agency to get a compromise approved, there are things about your story that the IRS should know in order to move it in the direction of acceptance.
The IRS will always consider the statute of limitations when evaluating an offer since it has 10 years to collect an outstanding tax debt. If you are between jobs and have no means to pay your tax bill but there’s eight years left before the statute runs out, the IRS will likely want to deem you ‘currently not collectable’ for a year rather than accept a reduced amount. This is especially true if you are young and healthy with good prospects

Monday, July 15, 2013

Are 4% Mortgage Rates the new Norm?

Mortgage rates climbed for the sixth week in a row, making refinancers and potential homebuyers nervous. If it serves as consolation, rates are likely to stabilize for a few days until the Federal Reserve meets next week.
The benchmark 30-year fixed-rate mortgage rose to 4.14%, compared with 4.1% last week, according to the Bankrate.com national survey of large lenders. The mortgages in this week's survey had an average total of 0.32 discount and origination points. One year ago, that rate stood at 3.91%. Four weeks ago, it was 3.71%.
Compare Mortgage Rates in Your Area

In early May, the fixed rate was 3.52%. It had been below 4% since May 2012 -- for more than a year -- up until the first week of June 2013.

http://www.foxbusiness.com/personal-finance/2013/06/14/are-4-mortgage-rates-new-norm/#ixzz2WaydVZ8W

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

http://www.youtube.com/watch?v=hLzM0Hi6q10

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

Tuesday, May 28, 2013

Why We’re So Irrational When It Comes to Tax RefundsThink about it:

http://business.time.com/2013/03/18/why-were-so-irrational-when-it-comes-to-tax-refunds/

A tax refund is just that — a refund of your own hard-earned money. It’s not a gift or a stroke of good fortune. The problem is that most people don’t look at tax refunds this way.

Most Americans—a full 75%—receive refunds after filing their taxes. In other words, most Americans have too much money withheld from their paychecks. More than half of Americans—58%, to be exact—say they intentionally plan to receive a refund each year. Understandably, people do so to avoid an unexpected tax payment come April 15, with the idea that it’s better to withhold a bit more to be on the safe side. But the average tax refund will be over $2,800 this year — well beyond “a bit more.”

Monday, May 27, 2013

National Foreclosures Up for Second Straight Month, But Still Lower Than Before Housing Bust

http://www.latinospost.com/articles/16404/20130411/national-foreclosures-up-second-straight-month-still-lower-before-housing.htm

By Erik Derr |

Florida, Nevada and Illinois led the nation in March with the highest foreclosure rates for the first quarter, while foreclosures nationally dropped to the lowest point since 2007, before the hopusing market meltdown, according to data from real estate market analyst Realty Trac and the first quarter U.S. Market Report.

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Florida had the most March foreclosures of any state-one in every 104 housing units, or nearly three times the national average, ABC News reports.
Foreclosure starts across the United States increased 2 percent from February to March, the second straight monthly increase following three consecutive monthly decreases, the Realty Trac numbers indicated.

Overall, there were 152,500 foreclosures throughout the U.S. reported in March, a 1 percent drop from February and a decrease of 23 percent from the same time the year before.

Saturday, May 25, 2013

How to Tame Health-Care Costs in Retirement

http://finance.yahoo.com/news/tame-health-care-costs-retirement-

Do you worry about your health care costs after you retire?

You should.

Americans' out-of-pocket medical spending in retirement can vary widely, but generally the numbers are big-and they have gotten a lot bigger over the past several years.
"Even though most American retirees benefit from Medicare coverage, a mounting body of research predicts that many will face large and increasing out-of-pocket expenditures for healthcare costs in retirement and that many already struggle to finance these costs," according to a recent study of consumer health care spending expectations in the American Journal of Law & Medicine.

Friday, May 24, 2013

Student Loan Borrowers Leaving Lots of Money on the Table

http://www.cnbc.com/id/100635267

"I'm still trying to get my head around some concepts that I heard today," said Rep. Raúl Grijalva (D-Ariz.), a member of the House Workforce and Education Committee, "that irrespective of the amount of money you borrow or the interest rate, that you'll still end up paying the same amount."
"Wow, somehow that doesn't seem possible," said Republican Rep. John Kline of Minnesota, the committee chairman.
The committee members were responding to testimony given last month by Jason Delisle at a March 13 congressional hearing in which Delisle spoke about the Department of Education's income-based student loan repayment (IBR) program.
But Grijalva and Kline aren't the only ones unaware of the benefits of IBR. As it turns out, they are in the majority, a fact that prompted the White House to issue a 2012 statement concluding that "Too few responsible borrowers are aware of their repayment options."

Wednesday, September 14, 2011

Bankruptcy Lawyer in Ventura CA – Susan J. Salehi

If you are looking for a bankruptcy lawyer in Ventura, California, The Law Offices of Susan J. Salehi can help. If your finances are out of control, if medical bills have you buried, if creditors are calling at all hours of the night, then bankruptcy may be for you. Bad times come. Loss of job, business, or spouse can cause you to lose financial control. We can assist you with creditor harassment, foreclosure, repossession, IRS collections, wage garnishment, lawsuits and more. Serving Ventura County, Ventura, Oxnard, Camarillo and Newbury Park and surrounding areas.

California Bankruptcy Attorney Since 1992. Member of the National Association of Consumer Bankruptcy Attorneys (NACBA) and California Bar.

Law Office of Susan J. Salehi
3639 E. Harbor Boulevard #103
Ventura, CA 93001
805-654-1467
atty@bkhelpnow.com

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