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“Her assurance that there was nothing to be ashamed of, gave us the incentive to proceed.” D.
Diane was fabulous during our bankruptcy, guiding us every step of the way. After medical bills got us behind, we didn’t know where to turn and felt uncomfortable filing. Her assurance that there was nothing to be ashamed, of gave us the incentive to proceed. Two years later we had questions in another matter, in which she again went to bat for us without further fees. I would recommend her firm to anyone in financial difficulties. D.
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Are you feeling overwhelmed with debt? Are you experiencing financial hardship due to a sudden loss of job, serious illness, costly medical bills, or excessive debts? These can be some of the reasons why you fail to make monthly mortgage payments on time. To break free from these forms of financial burden, you can look into your debt relief options. These options can change the terms or amount of your debt so you can quickly get back on track, pursue debt settlement, and have a fresh start. Debt relief programs can reduce your debt load, but they do so in different ways and by using different strategies. Among the various debt relief programs, debt consolidation and debt settlement are the two most common debt relief options.
Debt relief can ease the burden of overwhelming debt; however, it might not be the right solution for everyone. A qualified Salem bankruptcy attorney can help you determine the most appropriate debt relief program for your situation. This article will walk you through the pros and cons of debt consolidation and debt settlement to help you decide the best way to pay off your loans. Here are some of the questions that you might have in mind:
- What is Debt Consolidation?
- What is Debt Settlement?
- Which One Is Better? Debt Consolidation vs. Debt Settlement
What is Debt Consolidation?
Debt consolidation is the process of combining multiple debts with high interest rates into a single payment under the new consolidation loan or balance transfer credit card. You may choose to consolidate debt if you have several loans or lines of credit to repay. Debt consolidation aims to reduce the total number of creditors that you owe. If you’re dealing with a manageable amount of debt and just want to reorganize multiple bills with different interest rates, payments, and due dates, then debt consolidation can help you.
There are two ways on how to consolidate debt into one monthly bill:
- Acquire a fixed-rate debt consolidation loan – You can use the money from the loan to pay your bills and debts, then pay back the loan in installments over a set term. Various financial institutions (banks, credit unions, and online lenders) offer consolidation loans and all of your debt payments are made to the new lender moving forward. This will help you reduce your total debt and reorganize your finances so you can pay it off faster. For instance, you may use a personal loan to consolidate debt from multiple credit cards.
- Use a balance-transfer credit card – Another option for credit card debt relief is through balance transfers. In this case, you’d open a new credit card account, ideally at a low or 0% annual percentage rate, then transfer your existing balances to this card.
What Is Debt Settlement?
Debt settlement is the process of resolving delinquent debts for far less than the amount you owe by promising your lender a substantial lump-sum payment. It means your creditor has agreed to accept less than the amount you owe as full payment and any remaining balance is forgiven.
Aside from the known advantages of this debt relief option, you also need to be aware of the consequences that you’ll face when you file for debt settlement. You can be eligible for a debt settlement only if you have many late or missed monthly payments. A creditor will not accept an amount that is less than what you owe if you still have the means to pay the full amount.
Unlike other debt-relief options, debt settlement can badly hurt your credit score. To successfully negotiate a debt settlement plan, it is crucial to stop making minimum monthly payments on your loan, which will incur late fees and interest, and damage your credit score. Becoming delinquent on debt and settling the debt for less than you owe can have a severe negative impact on your credit rating. Furthermore, there can be income tax implications to debt settlement because the amount of debt that’s forgiven will most likely be considered taxable income.
Generally, creditors will only agree on debt settlement for accounts that are significantly past due. Therefore, if you’re still current on your balances, then this may not be an option.
Which One Is Better? Debt Consolidation vs. Debt Settlement
Debt consolidation and debt settlement both have advantages and disadvantages. One option can be a better choice than the other. A reliable Salem bankruptcy attorney can help you choose the best debt relief option that will help you get back on track while trying to become debt-free.
If your priority is to make your monthly payment more manageable for your current budget, then you can choose debt consolidation. However, you need a good credit score to be able to become eligible for the lowest rates on personal loans. If you’re searching for debt consolidation loans, make sure to compare the annual percentage rate (APR), fees, loan repayment terms, and minimum credit score requirements to find the best loan options.
On the other hand, if you’re already behind on payments for one or more debts and your creditors are threatening to sue you, then consider debt settlement instead. Debt settlement can be an attractive alternative to bankruptcy Chapter 7 since it can eliminate debts without having to pay the balance in full. However, debt settlement can be risky and is generally considered an option of last resort. In this option, there’s no assurance that your creditors will agree to settle your debts. Also, you’ll need to keep in mind that offering a settlement requires you to have cash on hand to pay agreed-upon amounts. If you don’t have the cash to negotiate with, then seeking a debt consolidation or filing bankruptcy may be a better option.
The Role of a Bankruptcy Attorney
If you’re facing a huge pile of debt, there are several ways to relieve your financial burden. It is important to know how the different debt relief options work and how they can help you solve your financial problems. Understanding the pros and cons of debt consolidation and debt settlement is critical for choosing the right solution. For legal help, do not hesitate to consult our competent Salem bankruptcy attorneys at Northwest Debt Relief Law Firm. Our bankruptcy law firm can help you determine which among the debt relief options will work best for you.
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The Wells Fargo Home Projects Card and Chapter 13 Bankruptcy The Wells Fargo Home Projects Card is issued differently than most credit cards. As far as I can tell, they don’t market it directly to consumers. Instead, they get home improvement businesses to sign people up. That way Wells Fargo finances the home improvement and […]
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The Wells Fargo Home Projects Card and Chapter 13 Bankruptcy The Wells Fargo Home Projects Card is issued differently than most credit cards. As far as I can tell, they don’t market it directly to consumers. Instead, they get home improvement businesses to sign people up. That way Wells Fargo finances the home improvement and […]
The post The Wells Fargo Home Projects Card and Chapter 13 by Robert Weed appeared first on Northern VA Bankruptcy Lawyer Robert Weed.
The Wells Fargo Home Projects Card and Chapter 13 Bankruptcy The Wells Fargo Home Projects Card is issued differently than most credit cards. As far as I can tell, they don’t market it directly to consumers. Instead, they get home improvement businesses to sign people up. That way Wells Fargo finances the home improvement and […]
The post The Wells Fargo Home Projects Card and Chapter 13 by Robert Weed appeared first on Northern VA Bankruptcy Lawyer Robert Weed.
CFPB Releases Online Tool to Help Renters and Landlords Access Federal Assistance
New resource helps renters and landlords find state and local programs distributing federal rental assistance funds
WASHINGTON, D.C. — July 28, 2021: The Consumer Financial Protection Bureau (CFPB) released an online tool to help renters and landlords impacted by the pandemic easily find and apply for payment assistance for rent, utilities and other expenses. The Rental Assistance Finder, available at www.consumerfinance.gov/renthelp, connects renters and landlords with the state and local programs that are distributing billions of dollars in federal assistance nationwide to help renters stay housed during the pandemic.
“Millions of people are behind on their rent and at risk of eviction as a result of the pandemic,” said CFPB Acting Director Dave Uejio. “The Rental Assistance Finder will make it easier for renters and landlords to locate the financial assistance available in their area. People across the country are already receiving billions of dollars in assistance, and with this new tool we hope even more renters and landlords will take advantage of this emergency relief. This money is a win-win for both landlords and renters and a better outcome for all than costly, needless evictions.”
The CFPB will conduct a demonstration of the Rental Assistance Finder tool via Webex. Below are the details:
- Date: Wednesday, July 28, 2021
- Time: 11 am, EDT
- Link: https://cfpbevents.webex.com/cfpbevents/onstage/g.php?MTID=e072c8ccfbc4eb8752948875c1d65d4ed
- Access Code: 199 090 4698
- Password: zYJNnEbh@784 (please do not cut & paste the password)
According to a CFPB analysis of Census Household Pulse Survey data from June 23–July 5, 16 percent of adults living in households who rent said they are currently behind on their payments. Of adults living in households behind on rent, 49 percent, or approximately 3.6 million of them say that eviction in the next two months is somewhat or very likely.
As part of an unprecedented economic recovery effort, the federal government has allocated more than $46 billion to assist households unable to pay rent, utilities, and other housing costs. All 50 states and hundreds of local, tribal, and other programs are distributing funds. The CFPB’s Rental Assistance Finder tool will make it easier for renters and landlords to connect with rental assistance programs in their area, and take the first steps toward accessing available funds.
The CFPB is working closely with partners across the federal government to provide homeowners and renters the resources they need, including information to understand their rights and protections. Along with the U.S. Departments of Agriculture, Housing and Urban Development, Treasury, Veterans Affairs, and the Federal Housing Finance Agency, the CFPB has created consumerfinance.gov/housing, which serves as the federal government’s one-stop, go-to resource for up-to-date information on relief options, protections, and key deadlines.
The CFPB has taken other actions to support renters during COVID-19, including a joint statement with then-FTC Acting Chair Rebecca Kelly Slaughter promising to monitor illegal eviction activity, an interim final rule detailing illegal debt collection practices in connection with evictions during the pandemic, and a bulletin explaining Fair Credit Reporting Act obligations related to the reporting of rental and eviction information during the pandemic, including particularly the treatment of rental assistance payments.
Access the Rental Assistance Finder
.fusion-body .fusion-builder-column-1{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-1{width:100% !important;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:980px) {.fusion-title.fusion-title-1{margin-top:15px!important; margin-right:0px!important;margin-bottom:0px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-1{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}MUSINGS BY DIANE:
Tenants and Landlords are facing extreme financial difficulties as a result of COVID. What is surprising is that millions of dollars of assistance is going unused. These are federal funds that are available for the tenant and landlord, but few are taking advantage of those monies to stave off eviction.
Don’t be afraid to ask for help. But, be careful about who you ask for help. There are thousands of scams, so don’t rely on someone who professes to be your savior. Don’t respond to someone to contacts you, instead, contact your local, state or federal governments to ask about resources. Take the time to determine the best solution that works in the long run, not for just today. Once armed with good information, then use your common sense to decide what is best for you.
@media only screen and (max-width:980px) {.fusion-title.fusion-title-2{margin-top:0px!important; margin-right:0px!important;margin-bottom:6px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-2{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}– Diane L. Drain.fusion-body .fusion-builder-column-2{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 30px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 45px !important;margin-left : 1.92%;}@media only screen and (max-width:980px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}.fusion-button.button-1 {border-radius:10px;}.fusion-button.button-1.button-3d{-webkit-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);-moz-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);}.button-1.button-3d:active{-webkit-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);-moz-box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);box-shadow: inset 0px 1px 0px #fff,0px 5px 0px #003d00,1px 7px 7px 3px rgba(0,0,0,0.3);}Click here for steps to your free bankruptcy consultation
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- COVID Has Exposed Many of Our Neighbors to an Ugly Financial Reality
- Tenants Can Hold Debt Collectors Accountable for Illegal Evictions
- COVID-19- Help for Homeowners and Renters
- 10 Things You Need to Know Before Filing Bankruptcy
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A Mortgage on a House and a Subsequently Filed Tax Lien-which lien has priority the bank or the IRS?
A Mortgage on a House and a Subsequently Filed Tax Lien-which lien has priority the bank or the IRS? This is a question that clients often ask us.
The typical scenario is that a couple buys a house, and then due to financial difficulties, they are unable to pay their taxes, and the IRS files a lien against the house.
There is concern from the clients and they ask what takes priority, the tax lien or the mortgage?
New York is a race state and if the mortgage was recorded and duly perfected, then it has priority over a subsequently filed tax lien. See Citizens Bank, N.A. v. Nash, No. 2:20-cv-00351 (E.D. Pa. 2021) which involved a lien priority fight between the IRS and the bank holding the taxpayer’s mortgage. The bank erroneously recorded a release of its mortgage and that error caused it to lose the lien priority fight with the IRS. An excellent article on this case can be found at Procedurally Taxing blog at https://procedurallytaxing.com/irs-wins-lien-priority-fight-with-bank/ The question we are next asked is whether the IRS will foreclose on their tax lien and seize the house to satisfy their tax debt. The IRS rarely forecloses on tax liens because they need to satisfy the mortgage first, as a result of the sale, and they do not want taxpayers to lose their homes.
In addition, in Kings, Queens, New York, Bronx, Richmond, Nassau, Suffolk, Rockland, Westchester, or Putnam counties, there is a $179,950 homestead exemption per spouse who owns and lives in the house. Therefore, a married couple who owns and lives in the house can protect $359,900 in equity. A homestead exemption applies after a mortgage but before a tax lien. Therefore, if a house had a $700,000 fair market value and a mortgage of $500,000, and a bank foreclosed on its lien, the bank would receive $500,000, the homeowners $200,000, and the IRS nothing. So what is the impact of an IRS tax lien on a house if the IRS does not foreclose on the tax lien? The IRS tax lien will prevent the taxpayer from selling or refinancing their house for 10 years. A tax lien is a lien against a home for ten years.
If a homeowner wants to sell or refinance their house and is subject to a tax lien, they can contact the IRS and request a satisfaction of the lien by paying the tax at closing. Taxes, interest, and penalties must be paid to the IRS by homeowners. Sometimes the IRS will waive certain tax penalties, so homeowners should hire a lawyer or CPA to negotiate with the IRS on their behalf.
Those with questions about foreclosures and tax liens should contact Jim Shenwick 212-541-6224 & [email protected], who has an LLM in taxation from NYU Law School.
Celebrity Net Worth reports that Poo-Pourri inventor Suzi Batiz had filed for bankruptcy twice before becoming a millionaire with a successful business.
Batiz’s first bankruptcy stemmed from her desire to have financial freedom and success due to her impoverished childhood. At 19, Batiz bought a bridal shop in Arkansas. Unfortunately, her business went under due to no one wanting to buy the outdated bridal dress designs that she had purchased from the previous owner. She then had to file for bankruptcy before even turning 21 years old.
Bankruptcy number 2 came from her idea for a recruiting website that matched candidates with employers based on company culture. She heavily invested her own money into this idea. She also had several investors that told her they’d give her $5 million, but then backed out. The 2001 stock market crash left Batiz unable to pay off both her business and personal debt. She then filed for bankruptcy for the second time.
With two bankruptcies under her belt by 35, Batiz promised herself she would never take on debt or start another business again. Lucky for her, just 4 years later she broke that promise to herself. Now, she is one of the wealthiest self-made women in America after inventing the Poo-Pourri toilet spray.
In 2006, she came up with the idea of Poo-Pourri after someone stunk up the bathroom at a party she was at. In 2007, Poo-Pourri was officially ready to be sold in stores. A boutique owner in Dallas took a chance on Batiz’s product and asked if she could sell it in her store. By the end of her first year in business, Batiz had sold a quarter of a million bottles and was selling Pou-Pourri in small stores, and had a $1 million in revenue.
From The Article:
“Then, in 2013, she realized she needed to do something to shake things up. The company had been in business for seven years and had $8 million in revenue the previous year. Competitors were popping up. She couldn’t afford a TV ad, but she could do an online video. She wanted to make fun of her product. “Girls Don’t Poop” was filmed for $25,000 and uploaded to YouTube in September 2013. She paid $650,000 to have it promoted on YouTube and Facebook. Within two weeks, the video had over 10 million views. Within a week she had $4 million worth of back orders for Poo-Pourri. Sales increased 80% to $27 million in 2014, the year after the video went viral. The video also paved the way for Poo-Pourri to be on the shelves of Bed, Bath & Beyond. So far in 2019, the company has a 108% year over year increase in first quarter sales to more than $16.5 million.”
Driven by her entrepreneurial mindset & creativity, Batiz didn’t let her failed businesses or bankruptcies stop her. She used them to learn from her mistakes and become one of the wealthiest self-made women in the United States.
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The Krazy Coupon Lady shares 40 companies that will pay for a portion or all of your college tuition! Below are some examples:
- Chipotle offers up to $5,250 for college costs: Full-time and part-time employees are eligible for the Chipotle Educational Assistance Program. The program provides up to $5,250 in tuition assistance per year, or they might even cover 100% depending on the degree. Plus, you can earn a third of your degree without going into a classroom, but how is this possible? Because every time you get a promotion, you’ll earn credit hours towards the degree.
- Chick-fil-A’s Leadership Scholarship pays up to $25,000 for higher education: Chick-fil-A’s Remarkable Futures scholarship program offers two yearly scholarships. The True Inspiration Scholarship (worth $25,000) and the Leadership Scholarship (worth $2,500). The scholarship can be applied to any area of study at any accredited university, including two- and four-year colleges, online programs, and technical or vocational schools.
- Intel’s tuition assistance program offers 100% reimbursement: Technology giant Intel provides its own in-house training organization called “Intel University” that offers over 7,000 courses to help foster workers’ career goals. Employees may also qualify for financial assistance for work-related courses outside of Intel as well. Intel’s tuition assistance program offers 100% of reimbursable costs including tuition, books, and certain fees.
- Gap, Inc. reimburses up to $5,000/year: Employes of Gap, Inc. (Those who work at Gap, Banana Republic, Old Navy, & Athleta) are eligible for Gap’s tuition reimbursement program once they have worked at the company for a full year. Gap will then pay for two classes & two books per term with up to $5,000 per year.
- Chevron will reimburse up to 75% of tuition costs: This company will pay a substantial 75% of your tuition fees if your course of study is related to your job track.
- Chili’s covers up to 25% of your college tuition: Many college students work at restaurants to pay their rent and tuition while in college. Chili’s will cover up to 25% of your tuition costs if you’ve worked for Chili’s for at least three months and are working toward a job-related certificate or degree.
- Allmand Law Firm’s yearly $1,000 scholarship: Every year, Allmand Law Firm awards $1,000 to the college student with the best short video regarding said year’s bankruptcy-related topic. P.S. Applications for the 2021 scholarship are open now and close on August 8th! Texas Bankruptcy Scholarship Details
To find more companies that will pay for your schooling, click the link below!
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Clark Howard shares several amazing and simple ways you can make an extra $500 a week!
- Start Driving For Uber or Lyft: Driving people around can earn you a possible $15-16 an hour! Ride-hailing services are great for people going to and from the airport, people who do not have a car, etc. All you need to drive for Uber or Lyft is a valid driver’s license, a car with valid insurance, one year of driving experience, a 4-door vehicle that is less than 10 years old, and the ability to pass a background screening. Then, you’re all set to go!
- Deliver Groceries or Restaurant Food: There are a lot of food delivery services today. For example, DoorDash, GrubHub, Instacart, etc. Just like Uber & Lyft, the barrier to entry is so low that almost anyone can deliver food. The potential earnings to delivering food are $11-22 an hour! Most delivery services require a valid driver’s license, proof of auto insurance, no major recent violations or accidents, that you must have a smartphone, and that you must be able to carry 40 pounds. Since the COVID-19 Pandemic, the desire for food delivery services has increased majorly.
- Sell Your Used Clothes: You can sell your clothes anywhere nowadays. You can sell your clothes in person at a garage sale or you can sell them to second-hand shops like Plato’s Closet. You can also sell your clothes online on websites such as Depop, Etsy, and Facebook Marketplace. The desire to buy thrifted 90’s and Y2K clothes is growing right now because those clothes are in style right now. Don’t throw away your old clothes, sell them!
- Donate Plasma: Donate your plasma to potentially make $400 a month! This process takes about 90 minutes to do, but you can make great money and help save lives. In order to qualify for donating, you must be 18 years old and weigh more than 110 pounds.
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