Friday, May 31, 2013

Why a Settled Debt is Still 'Past Due'

http://www.foxbusiness.com/personal-finance/2013/04/22/why-settled-debt-is-still-past-due/

 
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.


  • 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

    Thursday, May 30, 2013

    Is ‘Owning Old’ Right for You?

    http://www.foxbusiness.com/personal-finance/2013/04/22/is-owning-old-right-for/


    “They just don’t make ‘em like they used to.”
    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.


  • 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

    Wednesday, May 29, 2013

    Co-working Spaces Could Save You a Bundle

     


    http://business.time.com/2013/03/28/co-working-spaces-could-save-you-a-bundle/


    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.


  • 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.”
  • 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
     

    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.



  • 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

    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.

    Sunday, May 26, 2013

    As Health Costs Soar, Fewer Californians Buy Into Company-Provided Insurance

     

    http://www.latinospost.com/articles/16428/20130411/health-costs-soar-fewer-californians-buy-company-provided-insurance.htm

    By Erik Derr 
    (Photo : Creative Commons)
    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.
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    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.


  • 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
     

    Saturday, May 25, 2013

    How to Tame Health-Care Costs in 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.
  • 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