Comments for howtodelayforeclosure.com http://howtodelayforeclosure.com learn, share and discuss all about how to delay foreclosure Tue, 14 Feb 2012 16:30:59 +0000 hourly 1 http://wordpress.org/?v=3.2.1 Comment on How do I settle with an attorney who is suing me over credit card debt? by chris3fike http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt/comment-page-1#comment-2335 chris3fike Tue, 14 Feb 2012 16:30:59 +0000 http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt#comment-2335 If you are in the US, send me an email, I'll tell you how to legally win your court case. Keep in mind that the laws in US favor the debtor not the debt collector. The Third Party Debt Collection Agencies lawyers can only employ fear tactics because the law will protect you if you know the law. The Definition of Freedom is participation in power. If you defend yourself, you can win.<br><b>References : </b><br> If you are in the US, send me an email, I’ll tell you how to legally win your court case. Keep in mind that the laws in US favor the debtor not the debt collector. The Third Party Debt Collection Agencies lawyers can only employ fear tactics because the law will protect you if you know the law.

The Definition of Freedom is participation in power. If you defend yourself, you can win.
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]]> Comment on How do I settle with an attorney who is suing me over credit card debt? by crbesq http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt/comment-page-1#comment-2334 crbesq Tue, 14 Feb 2012 16:09:59 +0000 http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt#comment-2334 Do you have other debt? How much? How long will it take you to pay it back? If this creditor gets a judgment and garnished 25% of your wages, will you be able to pay rent & household expenses? These are the questions you should ask before considering bankruptcy. Nearly all consumer bankruptcy attorneys offer free consultations. Take advantage of this to meet with one and get advice based on all of the details of your particular situation. You can find a referral at NACBA.org (National Association of Consumer Bankruptcy Attorneys).<br><b>References : </b><br> Do you have other debt? How much? How long will it take you to pay it back? If this creditor gets a judgment and garnished 25% of your wages, will you be able to pay rent & household expenses? These are the questions you should ask before considering bankruptcy.

Nearly all consumer bankruptcy attorneys offer free consultations. Take advantage of this to meet with one and get advice based on all of the details of your particular situation. You can find a referral at NACBA.org (National Association of Consumer Bankruptcy Attorneys).
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]]> Comment on How do I settle with an attorney who is suing me over credit card debt? by Monte P http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt/comment-page-1#comment-2333 Monte P Tue, 14 Feb 2012 15:23:59 +0000 http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt#comment-2333 First things first, don't file bankruptcy yet. Don't file bankruptcy until after you are sued. You don't want to file bankruptcy, and then find out that you could have reached a settlement. Now, with that said, you need to convince the attorney that the amount you are offering is the best you can do, and anything more will force you into bankruptcy. This is the tricky part. If you tell him "Hey, if you don't take it, I'm going to file bankruptcy," they are likely to consider that an idle threat, and will proceed. You need to make it clear that you want to pay your debt, but you simply can't do it. If the settlement doesn't happen, go to court, and bring a very detailed copy of your budget, showing exactly how much money comes in, and where you are spending it. This will help the judge make a determination. The judge may look at your budget and order them to accept your 50% payment, or he may put you on a payment plan that you can afford. After that is all done and over, you can revisit the idea of filing bankruptcy, if the payments are too much.<br><b>References : </b><br> First things first, don’t file bankruptcy yet. Don’t file bankruptcy until after you are sued. You don’t want to file bankruptcy, and then find out that you could have reached a settlement.

Now, with that said, you need to convince the attorney that the amount you are offering is the best you can do, and anything more will force you into bankruptcy. This is the tricky part. If you tell him "Hey, if you don’t take it, I’m going to file bankruptcy," they are likely to consider that an idle threat, and will proceed. You need to make it clear that you want to pay your debt, but you simply can’t do it.

If the settlement doesn’t happen, go to court, and bring a very detailed copy of your budget, showing exactly how much money comes in, and where you are spending it. This will help the judge make a determination. The judge may look at your budget and order them to accept your 50% payment, or he may put you on a payment plan that you can afford.

After that is all done and over, you can revisit the idea of filing bankruptcy, if the payments are too much.
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]]> Comment on Anywhere I can get leads for people in mortgage foreclosure in Arizona? by foreclosurefish_com http://howtodelayforeclosure.com/foreclosure-mortgage/anywhere-i-can-get-leads-for-people-in-mortgage-foreclosure-in-arizona/comment-page-1#comment-2340 foreclosurefish_com Tue, 14 Feb 2012 14:43:59 +0000 http://howtodelayforeclosure.com/foreclosure-mortgage/anywhere-i-can-get-leads-for-people-in-mortgage-foreclosure-in-arizona#comment-2340 Start a foreclosure help website for your state and optimize it to start generating mortgage leads for your company.<br><b>References : </b><br> Start a foreclosure help website for your state and optimize it to start generating mortgage leads for your company.
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]]> Comment on How do I settle with an attorney who is suing me over credit card debt? by CatDad http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt/comment-page-1#comment-2332 CatDad Tue, 14 Feb 2012 14:41:59 +0000 http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt#comment-2332 Unfortunately, once a debt has been passed to an attorney and this is a confirmed legal threat, then they want the payment in full (or very close to it) up front. They really don't want to do 50% settlements at this point. They are not obligated to take any settlement at this point. Honestly, you probably could have settled for 50% prior to the account being turned over to an attorney. - How large is this debt? The conventional wisdom is that $10,000 is the minimum amount that anyone should consider filing for Chapter 7. Filing for Chapter 7 is not free and it will cost $2,000 on average. If this debt is huge and beyond your ability to pay, then maybe Chapter 7 is needed. - There is no need to spend $300/hour hiring an attorney to try to negotiate a settlement...you'd be better off saving the money and adding that amount to whatever you can afford to settle. They'll either accept it or they won't. If they don't and they do take you to court, then it's critical that you show up in court. - Guide for being sued credit card debt: http://tinyurl.com/3tglly4 - *** Do not sign any sort of document from this attorney that you do not understand. Never, ever sign any sort of consent judgement agreement. If it comes to this you'd be better off going to court and letting an impartial judge set the terms of the judgement for you. - Lastly, if this is a big debt and you are seriously considering filing for Chapter 7, then you can use the "nuclear" option: Tell them you'll settle for 30% or so, otherwise you'll file for bankruptcy. Send a small retainer to a BK attorney to make this threat valid. Be careful, they get these threats all the time....only do this if you are serious about actually filing...otherwise they may call your bluff<br><b>References : </b><br> Unfortunately, once a debt has been passed to an attorney and this is a confirmed legal threat, then they want the payment in full (or very close to it) up front. They really don’t want to do 50% settlements at this point. They are not obligated to take any settlement at this point. Honestly, you probably could have settled for 50% prior to the account being turned over to an attorney.
- How large is this debt? The conventional wisdom is that $10,000 is the minimum amount that anyone should consider filing for Chapter 7. Filing for Chapter 7 is not free and it will cost $2,000 on average.
If this debt is huge and beyond your ability to pay, then maybe Chapter 7 is needed.
- There is no need to spend $300/hour hiring an attorney to try to negotiate a settlement…you’d be better off saving the money and adding that amount to whatever you can afford to settle. They’ll either accept it or they won’t. If they don’t and they do take you to court, then it’s critical that you show up in court.
- Guide for being sued credit card debt: http://tinyurl.com/3tglly4
- *** Do not sign any sort of document from this attorney that you do not understand. Never, ever sign any sort of consent judgement agreement. If it comes to this you’d be better off going to court and letting an impartial judge set the terms of the judgement for you.
- Lastly, if this is a big debt and you are seriously considering filing for Chapter 7, then you can use the "nuclear" option: Tell them you’ll settle for 30% or so, otherwise you’ll file for bankruptcy. Send a small retainer to a BK attorney to make this threat valid. Be careful, they get these threats all the time….only do this if you are serious about actually filing…otherwise they may call your bluff
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]]> Comment on Anywhere I can get leads for people in mortgage foreclosure in Arizona? by college http://howtodelayforeclosure.com/foreclosure-mortgage/anywhere-i-can-get-leads-for-people-in-mortgage-foreclosure-in-arizona/comment-page-1#comment-2339 college Tue, 14 Feb 2012 14:28:59 +0000 http://howtodelayforeclosure.com/foreclosure-mortgage/anywhere-i-can-get-leads-for-people-in-mortgage-foreclosure-in-arizona#comment-2339 http://www.foreclosurehouses.webs.com/ <List of local foreclosures ask this website maybe they can help. Good luck.<br><b>References : </b><br> http://www.foreclosurehouses.webs.com/ <List of local foreclosures ask this website maybe they can help.
Good luck.
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]]> Comment on How do I settle with an attorney who is suing me over credit card debt? by falcons fan http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt/comment-page-1#comment-2331 falcons fan Tue, 14 Feb 2012 14:21:59 +0000 http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt#comment-2331 I'm wondering how much the debt is?..The reason why the attorney doesnt want to settle for 50% is most likely he gets paid based on a percentage of the amount collected. If you have 50% and they won't take it then screw them, make them follow through. What else can you do? In my mind the total amount owed would make a big difference in whether I would file bankrupcy or not. (also your financial situation). Moving forward if you have the ability to pay and its less than $20k I would probably not file bankrupcy. If its more than that i most certainly would suck it up and do the BK. Besides even if you go to court and are found to owe the entire amount (which you will). You can arrange a settlement agreement with them (YOU MUST honor this agreement and never miss a payment or they have the right to collect the entire rest of amount owed right then and there and can attach your checking account etc..). they also depending on the state may have the right to garnish your wages (go through your employer to have money taken out of your check before you receive any of your check). I would not "hire" an attorney to talk to these attorneys that is a waste of money. Maybe even see if the attorneys doing the collecting are willing to take a down payment on the debt with the rest due in payments (without having to sue you)> I really hope this helps<br><b>References : </b><br> I’m wondering how much the debt is?..The reason why the attorney doesnt want to settle for 50% is most likely he gets paid based on a percentage of the amount collected. If you have 50% and they won’t take it then screw them, make them follow through. What else can you do? In my mind the total amount owed would make a big difference in whether I would file bankrupcy or not. (also your financial situation). Moving forward if you have the ability to pay and its less than $20k I would probably not file bankrupcy. If its more than that i most certainly would suck it up and do the BK.
Besides even if you go to court and are found to owe the entire amount (which you will). You can arrange a settlement agreement with them (YOU MUST honor this agreement and never miss a payment or they have the right to collect the entire rest of amount owed right then and there and can attach your checking account etc..). they also depending on the state may have the right to garnish your wages (go through your employer to have money taken out of your check before you receive any of your check). I would not "hire" an attorney to talk to these attorneys that is a waste of money. Maybe even see if the attorneys doing the collecting are willing to take a down payment on the debt with the rest due in payments (without having to sue you)> I really hope this helps
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]]> Comment on Anywhere I can get leads for people in mortgage foreclosure in Arizona? by Greg http://howtodelayforeclosure.com/foreclosure-mortgage/anywhere-i-can-get-leads-for-people-in-mortgage-foreclosure-in-arizona/comment-page-1#comment-2338 Greg Tue, 14 Feb 2012 14:04:59 +0000 http://howtodelayforeclosure.com/foreclosure-mortgage/anywhere-i-can-get-leads-for-people-in-mortgage-foreclosure-in-arizona#comment-2338 There are plenty of companies that sell leads and data if you do some online searches. Also, many direct mail houses also supply the data, so you can work with one vendor who will handle the entire process for you. Finally, it's important to work with vendors who specialize in the mortgage industry as there are certain criteria in mortgage that don't apply to other industries.The source below is one such example that meets this criteria.<br><b>References : </b><br>http://LeadHeroes.com There are plenty of companies that sell leads and data if you do some online searches. Also, many direct mail houses also supply the data, so you can work with one vendor who will handle the entire process for you. Finally, it’s important to work with vendors who specialize in the mortgage industry as there are certain criteria in mortgage that don’t apply to other industries.The source below is one such example that meets this criteria.
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http://LeadHeroes.com

]]> Comment on How do I settle with an attorney who is suing me over credit card debt? by Gun Highway http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt/comment-page-1#comment-2330 Gun Highway Tue, 14 Feb 2012 13:40:59 +0000 http://howtodelayforeclosure.com/how-to-avoid-bankruptcy/how-do-i-settle-with-an-attorney-who-is-suing-me-over-credit-card-debt#comment-2330 offer him 5 cents on the dollar<br><b>References : </b><br> offer him 5 cents on the dollar
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]]> Comment on How to solve this house buying issue? by real estate guy http://howtodelayforeclosure.com/how-to-delay-foreclosure/how-to-solve-this-house-buying-issue/comment-page-1#comment-2326 real estate guy Tue, 14 Feb 2012 13:36:59 +0000 http://howtodelayforeclosure.com/how-to-delay-foreclosure/how-to-solve-this-house-buying-issue#comment-2326 you can't do ANYTHING. This is one of the reasons REO sales are really not worth it. If you want the "deal" then you have to live with it.<br><b>References : </b><br> you can’t do ANYTHING. This is one of the reasons REO sales are really not worth it. If you want the "deal" then you have to live with it.
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