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What to do when you’ve been served!

Tuesday, December 29th, 2009

I had the chance to interview Hudson Henley with Henley and Henley PC. He answers a lot of questions pertaining to loan modifications, debt settlement, judgments, etc. He explains in detail what to do if you’ve been served with papers due to bad debts.

He also lets us know about the title industry and what to look for. If you want more information on how to get rid of nasty judgments, click here and enter your information. You can also call me directly in the office at 877.337.2673.

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Posted in Credit Education, Credit Repair, Credit Repair Tips, Credit Restoration, Credit Tips, Financial Planning, Improve Credit Score, Legislation | No Comments »

The Credit Repair Scare!

Tuesday, December 22nd, 2009

Ok…So I’m forced to write this based on a personal experience I had this morning. I received a call from a guy today that really angered me. Let me first that say that I rarely get angry. So I got angry and frankly the guy I was speaking to was surprised at my reaction. My anger #1 was based on disappointment at my other competitors and #2 the audacity they have in trying to charge outrageous fees to consumers for credit restoration or better known as credit repair.

This guy was quoted $1500.00 plus $89.00 a month for 6 months to simply dispute 9 line items on his credit report! THAT’S FREAKING RIDICULOUS! The really stupid part of this whole thing is that this guy had spent $900.00 two years ago and completely got scammed by another credit repair company.

Let me just say to anybody reading this post; If you need your credit fixed, call me directly and mention this post. I will make sure that your credit is handled in a ethical way at a great price. Example: The man above signed up for $400.00 retainer plus $57.00 a month for 6 months.

I also refer people to another affordable credit repair company called Build My Scores. Don’t pay high fees for credit restoration!

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Posted in Credit Repair, Credit Repair Tips, Credit Restoration, Credit Tips, Improve Credit Score | No Comments »

Don’t pay for help avoiding foreclosure

Monday, August 3rd, 2009

By SHANNON BUGGS
HOUSTON CHRONICLE

If you are facing foreclosure, you need to put every cent you can toward your mortgage payment to keep your home.

Don’t put your money in the wrong hands by paying a person or company guaranteeing loan modifications.

The federal government offers free loan-modification services through Web sites, hot lines and housing counselors certified by the U.S. Department of Housing and Urban Development.

Through these programs, you can directly ask a lender to change the interest rate or length of the loan to lower monthly payments. You do not need to pay a middleman to do this for you.

Mortgage finance giant Freddie Mac created a free video at www.youtube.com/FreddieMacWeb to tell you what financial documents you must pull together before calling a mortgage servicer, the company that collects your home loan payments.

The video includes this checklist:

• • Most recent monthly mortgage statement.

• • Most recent statement for homeowners or condominium association fees, if you are obligated to pay those.

• • Most recent pay stubs, W2s and tax return.

• • Profit and loss statements for self-employed homeowners.

• • Statements about other loans secured against the home, including home equity lines of credit or second mortgages.

• • Account balances and statements for other debts including credit cards, car loans and student loans.

• • A short and to-the-point statement about the hardships causing or leading to a mortgage delinquency.

When you have those documents in hand, you are ready to got to Freddie Mac’s free loan-modification Web site at FreddieMac.com/avoidforeclosure.

continued…

http://www.chron.com/disp/story.mpl/business/buggs/6558228.html

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