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
In the aftermath of my divorce and unemployment in 2009, I was unable to
keep up with payments on about $9,000 of credit card debt. Eventually, I settled
for about $4,500. Now, when I look at my credit report, the account is shown as
closed, and that I settled the account for less than the full amount. But, it's
also flagged as more than 120 days past due. What should I
do?
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.
We’re all familiar with this phrase, often uttered by people lamenting the
lack of quality and durability of new things, whether it be a car, a set of
tools, a kitchen appliance or even a home.
When it comes to homes that are more than 50 years old, this phrase has a
double meaning, which could be good or bad — depending on what’s important to
you.
A client recently closed on an adorable bungalow built in the 1920s in the
heart of Fort Lauderdale. In South
Florida, it doesn’t get much older than
that.
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.
Renting a co-working space can be a great way to launch
your startup cheaply – and expand your professional network in the process.
For starters, it’s much easier to deduct than the complicated “home office
deduction” – and much less likely to trigger an audit. It’s also a lot less
complicated than home-based business laws and regulations, particularly if you
have any employees.
Shared expenses make co-working much cheaper than leasing an office by
yourself, and the shared arrangement means you only have one bill to pay each
month. It’s also much easier to get out of than a long-term lease, and a shared
conference room looks a lot more professional than having clients visit your
basement.
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.
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.”
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.
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.
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.
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.
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.
Lower employment rates coupled with skyrocketing premiums have left fewer
Californians with company-provided health insurance than there were a decade
ago, the Associated Press is reporting.
A new report by health care analyst Robert Wood Johnson Foundation says that
the number of Californians receiving employer-sponsored insurance dropped by 1.3
million, or 8.4 percent, since the early 2000s.
An estimated 18.9 million people, which covered 62 percent of the state's
non-elderly population, had employer-sponsored health insurance in 2000.
But, according to data from the State Health Access Data Assistance Center,
an independent health policy research center at the University of Minnesota, by
2011 the number of Californians insured through their employers had decreased to
17.6 million, or 53 percent of California's non-elderly population.
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.
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.
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.
"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."
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.
Paul Sullivan, a video editor, has been
invited for numerous interviews from the same company, but has not been offered
the job.
American employers have a variety of job vacancies,
piles of cash and countless well-qualified candidates. But despite a slowly
improving economy, many companies remain reluctant to actually hire, stringing
job applicants along for weeks or months before they make a decision.
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.
My search for a credit card processor started last April and dragged on
through the end of January. Like many small-business owners, I have plenty of
things to keep me busy, so my search was an on again/off again thing. As it
progressed, I found that the more carefully I looked at the terms I was agreeing
to, the less I liked them.
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.
Are books one of your biggest spending vices? You may
think that great literature is worth any price, but buying books here and there
can quickly add up. If you're a voracious reader, try to save money by getting
some of your books for free through these means:
Library: You won't need to spend a cent on books when you borrow from
the library. And if you can't find a book you want in your local branch, you can
put in a request for a book that's available in other branches to be sent to a
library near you. And if ebooks are your favored way of reading, you can borrow
ebooks for free from most libraries. Check out the other freebies
from the library.
Become a well-known reviewer: You can get free books from authors,
even the acclaimed and famous ones, if you try this trick. A lot of times, you
can even get the book ahead of its release. All you have to do is start building
up a nice repertoire of really solid and detailed book reviews on Amazon or Good Reads, the social
network for book recommendations.
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.
April is Financial Literacy month, which is the personal finance
industry's cue to ramp up its message that high school -- and the home -- is
ground zero for the movement. After all, if we can teach teens to handle money
responsibly, we can ensure that the next generation of adults won't make a mess
of things. Right?
Unfortunately, teens don't have quite as much faith in
their own financial futures as most people, according to a new survey.
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.
Re-Energize Your Finances
You've heard of it, and some of you have even tried it -- detoxifying or
cleansing your body by going on a strict diet for a few days, drinking only
juices or ingesting herbs.
Some people swear by these treatments that promise to help us lose weight.
Some folks even say they feel re-energized and fresh after going through such a
regimen. But have you tried to detoxify your budget, getting rid of all the bad
stuff that weighs you down financially and prevents you from achieving your
financial goals?
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.
Dear Driving for
Dollars, Is it possible to lower my monthly car payment without
extending the terms? I have good credit. -- Pat Dear Pat, It is possible to
lower your monthly car payment by refinancing the car loan. Refinance rates have
dropped quite a bit over the last six months. The national average was recently
2.44% for a 36-month loan, so chances are good that you could lower your
interest rate, assuming you've had your car loan for a
while.
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.
Maybe you've experienced this before: You get to the cash register, pull out
your credit card, swipe it and are told it's declined. You try again. Same
result. So you call the issuer and find out the account has been closed, despite
the fact that you've never been late with a payment. "What even?"
If you're confused, you're not alone. This kind of thing happens -- and it's
perfectly legal.
New regulations do nothing to help in this situation. The Credit CARD Act of 2009 helped to
increase protection against interest rate hikes and overlimit fees. But credit
cancellation policies remain largely
unchanged.
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.
A new type of malware that targets point-of-sale
systems and ATM card readers known as "Dump
Memory Grabber" scans those devices for payment card data and is beginning
to infect a large number of the nation's largest banks, according to a report
from SecurityWeek.
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.
You'd think
that figuring out the total amount of taxable income you've earned would simply
be a matter of adding up all of your paychecks for the year, as well as
investment income like interest and dividends.
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.
WASHINGTON — Unable to meet tight deadlines in the new
health care law, the Obama administration is delaying parts of a program
intended to provide affordable health insurance to small businesses and their
employees — a major selling point for the health care legislation.
The law calls for a new insurance marketplace
specifically for small businesses, starting next year. But in most states,
employers will not be able to get what Congress intended: the option to provide
workers with a choice of health plans. They will instead be limited to a single
plan.
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.
One of the most important financial concepts you will need to learn in
running your new business is the computation of gross profit. And the tool that
you use to maintain gross profit is markup.
The gross profit on a product is computed as: Sales - Cost of Goods Sold = Gross Profit
To understand gross profit, it is important to know the distinction between
variable and fixed costs.
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.
Some U.S. workers are losing out on more than $100,000 in retirement savings
thanks to 401(k) fees.
The company an employee works for makes all the difference. Over the course
of a 40-year career, workers at some companies lose tens of thousands of dollars
in 401(k) fees and earnings -- sometimes more than double the savings .
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.
Although you wouldn’t know it by the weather, April is
fast approaching. And that means in the coming weeks, millions of Americans will
be breaking out their W-2s and their favorite tax software to figure out exactly
how much money they owe their government. Of course, in an economy as large and
complex as America’s there are plenty of folks who don’t pay exactly what they
owe.
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.
Citing “steady employment and low borrowing rates” as well as inventories
that have fallen “to their lowest post-recession levels,” the S&P Dow Jones
Indices released Case-Shiller
housing data that showed home prices jumping 8.1% from the previous year.
When charted, the data looks like it’s been hit with a booster rocket, with the
past three months’ reports showing solid year-over-year gains of 5.5%, 6.8%,
and the just-reported 8.1%.
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.
Debit cards were supposed to be toast. The industry started writing their
obituary when financial reform targeted overdraft fees and interchange or
“swipe” fees, which had made debit cards extremely lucrative for banks. So why
is it that banks are now pushing debit cards like never before?
A couple years ago, the banking industry warned federal regulators that
reform efforts could lead to both an increase in fees and a decrease in debit
card usage. “Banks and credit unions could charge for various debit card‐related
products and services that are now offered free of charge, such as free debit
cards and free debit card transactions,” a consortium of financial industry
executives wrote in a 2011 letter to the Federal Reserve arguing against reform.
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.
Banks are repossessing fewer homes, in fact the fewest since March of 2007,
but in some states that may be about to change, according to a new report from
RealtyTrac, an online foreclosure data and sale firm.
Bank repossessions, the final stage of the foreclosure process are down 29
percent from a year ago, but foreclosure starts, which are the first stage of
the process, jumped 10 percent in February from the previous month. This after
falling for three consecutive months.
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.
Nowadays retirement is all over the map. It’s blurred,
more elastic. Many people retire piecemeal. Or they retire and then unretire. Or
they continue working well after they were supposed to have retired.
As part of a fast-changing retirement picture, many
Americans leave their longtime job, but then, fearing that their Social
Security benefits and nest egg will prove too small, plunge into part-time
work — as a consultant, say, or a salesclerk at a big-box store. Others step
down from career jobs but then conclude, after a year or two, that they are
bored and want to start their own businesses. So they unretire and become
entrepreneurs.
Not long ago, it seems, the typical American’s goal
was to retire at 58, 60, 62 — certainly no later than 65. But now, more workers
are pushing back retirement to 68, 70, 72 and even later.
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.
We're referring to the class-action lawsuit, which for decades has allowed groups of
wronged Americans to band together, pool their resources and take on companies
ranging from Exxon Mobil to Toyota. But many companies are now preemptively
ducking such lawsuits by getting consumers to sign away their right to file
them.
So-called forced arbitration clauses say that in the event of a
dispute, you won't be able to file a class-action suit. Instead, your dispute
will be settled one-on-one in a private arbitration forum. These clauses are
commonly inserted into terms of service agreements, which you must agree to if
you want to use the product or service.
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.
Time to discuss if they need help with their finances. Proceed carefully
because they may not see things as you do: A 2012 Fidelity study found that
while 24% of adult children think their parents will need a hand with money, 97%
of the parents do not.
"Conversations about money with your elderly parents are really about control
-- something they don't want to lose," says David Solie, author of How to Say
It to Seniors. Try these tips. THE GROUND RULES Drop the attitude. An I-know-better air will put their backs
up. Take care your concern doesn't come across as if you think their
intelligence is diminished, says Solie. Avoid saying "you should..." Those two little words are sure
to put them on the defensive. Bring in a third party. To your mom and dad, you will always
be a kid -- which is why the talk may go better if you deliver it alongside an
outside expert, says Paula Span, author of When the Time Comes.
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.
This
week is Consumer Protection Week, when a group of nonprofits and government
agencies come together to highlight critical issues ranging from identity theft
to dodgy debt collector practices.
Most consumer protection tips tend to
be reactive -- telling you how to spot a scam email, for instance, or respond to
a collections call. But there are also certain proactive steps you can take
right now to head off fraud and financial screw-ups before they even take
place.
Here are five actions you can take to protect yourself as a
consumer, all of which should take less than five minutes to
complete.
1. Turn on Two-Step Verification on Your
Email
Security experts will tell you that you should have a
different password for every online account you open. But anyone who uses the
Internet on a regular basis knows that this is virtually impossible -- you
likely have dozens of accounts ranging from bank accounts to email to social
media to news sites, and you access them on multiple devices.
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.
. In South
Florida, it doesn’t get much older than
that.
