California Chapter 7 bankruptcy information

 

http://www.californiabankruptcy.info/chapter7.html 

In a Chapter 7 bankruptcy you wipe out your debts and get a “Fresh Start”. Chapter 7 bankruptcy is a liquidation where the trustee collects all of your assets and sells any assets which are not exempt

5 lessons new retirees learn the hard way

 

 

 

Retirement is one of the most talked-about and planned aspects of life today. Virtually every major news outlet, financial planner and employer has a section on their website devoted specifically to it. Despite all the tools, conversations and resources, a successful transition from the nine-to-five workday to retirement bliss remains elusive and constitutes fertile ground for mistakes, particularly for new retirees.

Read more: http://www.bankrate.com/finance/retirement/lessons-new-retirees-learn-hard-way-1.aspx#ixzz2nBlzeAvh

You Plan Your Retirement, Then You Get the Health Bill

http://www.nytimes.com/2013/11/20/your-money/you-plan-your-retirement-then-you-get-the-health-bill.html?src=me 

JEFF STRACK, a 61-year-old sales manager in Charlotte, N.C., enjoys his work and is in good health. But the prospect of paying for health costs after he retires weighs on him. 

5 Surprising Facts You Didn't Know About the Dollar Store

 

http://www.dailyfinance.com/2013/12/05/dollar-store-surprising-facts/ 

The dollar store is a great place to shop for deals ... right? Well, sometimes. You might be surprised to learn that it's not always the cheapest place to shop. Read on to learn more about unexpected dollar store facts.

Rent or Buy? The Ultimate Real Estate Question

 

http://www.mainstreet.com/article/real-estate/rent-or-buy-ultimate-real-estate-question

 

 

 

 

NEW YORK (MainStreet) — That is the urban question: should I rent or should I buy?
Flashback to 2007 and the answer - from just about every expert - was rent, moron, because real estate is hideously overpriced.
Then the crash came, home prices tumbled by 50% or more in many areas and, suddenly, the obvious answer became: buy, because you will never again see home prices so low along with mortgage interest rates that are at historic 3% lows.

Home Prices Will Do This Over the Next Year

 

http://www.mainstreet.com/article/real-estate/home-prices-will-do-over-next-year

 

 

 

By Ellen Chang  

 

NEW YORK (MainStreet) – Most Americans (55%) think home prices will go up over the next 12 months, according to a new Bankrate.com report.

"It seems like Americans' love affair with real estate has returned," said Greg McBride, CFA, Bankrate.com's senior financial analyst. "But there are still some clear headwinds, including rising mortgage rates, stubbornly high unemployment and the relatively low U.S. household savings rate.

Will my Husband's Business Card Debt Hurt my Credit After Divorce?

 

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

• 
  
  

Dear Your Business Credit,
I am going through a divorce and live separately from my husband. He uses credit cards for his business. Some of the cards are in his name alone, and the bills go to his new address. I'm worried that it will hurt my credit if he doesn't pay the bills on time. Is there anything I can do to make sure he does not ruin my credit rating?

http://www.foxbusiness.com/personal-finance/2013/04/22/will-my-husband-business-card-debt-hurt-my-credit-after-divorce/#ixzz2RVIlf1OG

Why Banks Love Debit Cards Again

http://business.time.com/2013/03/28/why-banks-love-debit-cards-again/?iid=biz-main-lead

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.

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

Long-Term Care Insurance Should Be Part of Your Financial Plan

http://www.dailyfinance.com/2013/03/12/long-term-care-insurance-should-be-part-of-your-financial-plan/

In the world of insurance products, long-term care insurance is a relative newcomer. It was introduced in the late 1970s, but in recent years, it has become a much more important element of retirement planning thanks to twin rises in health care costs and longevity. (Life expectancy in 1930 was just 59.7; in 2010 life expectancy for Americans was 78.7.)

Many people associate long-term care insurance with nursing homes, but it also pays for in-home care and assisted living facilities. According to the American Association for Long-Term Care Insurance, 50 percent of long-term care insurance benefits in 2011 went to pay for in-home care, 31 percent for nursing home care, and 19 percent for an assisted living facility.

How Long-Term Care Insurance Works

Each long-term care insurance policy is slightly different, but most benefits kick in based on a similar definition of "disability": either you have severe cognitive impairment or you need help with at least two daily living activities. These activities include bathing, dressing, eating or using the bathroom.

In other words, you don't just automatically receive the benefits when you think you could use some help or when you move into a retirement community. Policies are typically purchased with fixed daily benefits for a fixed period of time such as three years or five years.

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
 

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