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

Tuesday, August 13, 2013

Mortgage lender accused of paying illegal bonuses for costlier loans

http://www.latimes.com/business/money/la-fi-mo-castle-cooke-mortgage-consumer-bureau-bonus-20130723,0,591625.story?track=rss

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.

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

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.

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.

Wednesday, August 7, 2013

10 Questions to Ask Before Applying for a Bank Loan

http://www.entrepreneur.com/article/227191

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.

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.

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