December 30, 2008

Unclaimed Inheritance from Wills

Currently, billions of dollars in unclaimed inheritance from Wills is sitting in government trust funds across the nation. Experts suggest millions of heirs are entitled to money and valuable assets left to them by a deceased relative or friend. The majority of assets go unclaimed simply because the beneficiary changed their name or moved from their residence.

The majority of unclaimed inheritance from Wills is generated from life insurance policies. Life insurance companies must be notified when the policyholder dies. If no one notifies the issuing company the policy sits dormant until claimed by rightful heirs

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December 28, 2008 | Comments: 2

Debt Help

Millions of consumers need debt help, but most do not know where to turn. From debt consolidation to debt settlement and credit counseling to bankruptcy; there are programs which address nearly any financial dilemma. The problem is determining which is best suited for your needs.

Today, we're going to review debt help programs and what they offer. Since there are numerous options, this article briefly touches upon the most popular. Additional information and resources can be obtained by clicking on the highlighted links.

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December 25, 2008

Credit Counseling

Credit counseling is a good option for people who are considering bankruptcy or those who have trouble managing their money. Credit counseling is also good for people who are just starting out and want to ensure they begin their life journey with a strong financial foothold.

Credit counseling is available in nearly every metropolitan city across the United States. Most agencies charge a fee for their services. However, there are non-profit credit counseling agencies that provide no- or low-cost services to those who qualify.

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December 19, 2008 | Comments: 1

Bankruptcy Information

There is plenty of bankruptcy information available these days. Considering more than 1 million people have filed for bankruptcy protection this year, many Internet marketers are capitalizing on this top-ranking keyword. The problem is, much of the information is used solely for profit and not to provide sound advice.

In order to obtain accurate bankruptcy information, it is important to go to the source. Bankruptcy filings are overseen by the U.S. Trustee Program which is a division of the U.S. Department of Justice. The Trustee Program website provides comprehensive bankruptcy information and resources to help debtors determine if bankruptcy is their best option.

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December 17, 2008 | Comments: 3

Debt Relief

Debt relief is the buzzword of the day. From Fannie Mae and Freddie Mac to banks and automakers, everyone is searching for their own personal bail-out. And, while it is now official that America is in a recession, most people have been feeling the financial pinch for quite some time.

Obtaining debt relief is no easy feat; however it can be accomplished. The problem is most people want instant financial gratification. Unless you hit the lottery jackpot, chances are this isn't going to happen. It took time to build your mountain of debt and it is going to take time to chisel it away.

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December 15, 2008 | Comments: 1

Chapter 13 Bankruptcy Attorney Will They Clear Up Debts?

In the past, hiring a Chapter 13 bankruptcy attorney was as simple as opening a phone book. Today, it isn't quite as easy. When the new bankruptcy laws went into effect in 2007, a provision was included which requires lawyers to attest to their clients bankruptcy petitions. In a nutshell, this provision requires lawyers to state they believe their clients' petition is necessary. If clients are not completely honest when providing details about their financial situation, the attorney assumes significant risk.

Today, retaining the services of a chapter 13 bankruptcy attorney is more costly. In addition to the above mentioned risk, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) require lawyers to engage in additional casework to ensure their clients have a legitimate need to file for bankruptcy protection. This has resulted in higher legal fees; making it more difficult for average Americans to obtain appropriate counsel.

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December 13, 2008

Bankrupsy

Deciding to file bankrupsy is never an easy choice. However, if personal bankrupsy is the only option left, it is best to become as informed about the process as possible. Doing so will help reduce the stress associated with filing bankruptcy and help you stay focused on the task at hand.

A key element of bankrupsy is understanding the new bankruptcy laws enacted in 2005. The Bankruptcy Abuse Prevention and Consumer Protection Act was put into place as a way to protect both consumers and creditors

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December 11, 2008

Probate Attorney

A probate attorney is a lawyer who specializes in estates held in probate. Probate is the process used to validate a decedent's Last Will and Testament, inventory assets, and distribute financial holdings, real estate, and personal belongings to beneficiaries.

Most people require the services of a Transactional probate attorney. This type of lawyer is best suited to handle estate administration duties. Transactional probate lawyers will open the probate case and present the original Will to the probate court. They will provide assistance to the appointed Estate Administrator and ensure appropriate legal documents are filed in a timely fashion.

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December 09, 2008

Inheritance Loans

Inheritance loans aren't really loans at all. Instead, they are cash advances available to beneficiaries entitled to assets held in probate. Probate is the process used to determine the validity of a decedent's Last Will and Testament and proper distribution of financial holdings and personal belonging.

In order to qualify for inheritance loans, beneficiaries must be entitled to at least $15,000. There are two primary inheritance cash funding sources: inheritance lending companies and private investors.

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December 07, 2008 | Comments: 1

Debt Settlement

Debt settlement provides a bankruptcy alternative to individuals able to pay a portion of their outstanding debts. Debt settlement companies negotiate with creditors to reduce the amount of outstanding balances. In some cases, debts can be reduced by as much as 60-percent.

Using debt settlement can adversely affect the debtor's credit rating. However, it is not as detrimental as filing bankruptcy. Both personal and business bankruptcy remains on your credit report for ten years, while the effects of debt settlement are temporary.

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December 03, 2008

Wholesaling for Quick Cash

Wholesaling for quick cash is a relatively risk-free real estate investment strategy. There are four steps to wholesaling real estate. The first step requires locating property owners who are highly motivated to sell their real estate. Step two involves negotiating the purchase price. Step three involves placing the property under contract. Step four requires locating a real estate rehabber or investor to purchase the contract.

In essence, wholesaling for quick cash is a form of house flipping. The primary difference is when buyers purchase real estate for wholesaling purposes they do not have to rehab the property. Instead, real estate is purchased significantly under market value and sold to a property rehabber.

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December 01, 2008

Cash Flow Notes for Sale

Investing in cash flow notes for sale can provide investors with a relatively secure investment opportunity. There are numerous types of cash flow notes including business notes, real estate notes, land contracts, owner will carry financing, and structured settlements.

All types of real estate can be backed with cash flow notes for sale. In fact, realestate notes are the most common type of cash flow note investment. Property owners can sell their real estate holdings in whole or part, using the property as collateral with promissory notes.

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