May 29th, 2009 — 08:00 pm
river59 asked: Asset Acceptance is holding two small utility debts of mine. The statute of limitations has run out but they resubmitted the debt to the credit agencies as if they are new. Can they continue to resubmit a debt after the statute of limitations has run out? How do I fix this?
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2 comments » | Credit
May 28th, 2009 — 09:34 pm
jane asked: I co-founded a start-up. Business plan is in the work. I still need to work on the financial section. I know I should have a CFO work on it. But I don’t have $$ to pay/hire a CFO. So I get to wear the finance hat too among other roles. Do you know of free finance spreadsheet templates I could download to use? Need to finish biz plan to show potential investors. Can’t show current biz plan as is without figures. Biz plan doesn’t mean anything to investors without 3 year financial planning such as revenue projection, dev’t cost projection, marketing budget projection, potential # of people for hire, other related finance figures of interest to potential investor. Tks for your help in advance!
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Comment » | Small Business
May 27th, 2009 — 11:14 pm
blueunicornapopka asked: Most of my debt consists of medical bill leftovers (the amount after insurance) that has gone to collection. I have not seen anything that deals with those types of bad credit. They say medical is not supposed to affect your credit but it does.
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10 comments » | Personal Finance
May 27th, 2009 — 11:13 pm
When it comes to keeping up the mortgage payment, there may be nothing more stressful if you are suffering from some sort of financial set back. Whether the issue you are having is work related or health related there is obviously a lot of stress in the house if you are not able to come up with enough money each month to make the mortgage payments and avoid mortgage foreclosure.
Foreclosures do not mean that you get to just walk away from the property without owing anything unless you had a lot of equity in the home.
You want to avoid home foreclosure at all costs because you will not be able to simply walk away from your financial obligations once the home enters the foreclosure process. Even if the home goes all the way through and ends up sold at a sheriff’s sale, it is important to know that you still may be responsible for some money owed to the mortgage company.
This is because mortgage companies are generally not able to get back what you owe and they will come after you for the balance of what is legally and rightfully owed to them. So you want to make sure you avoid home foreclosure so you are not faced with that.
Places To Seek Help From
If you feel that you are having trouble making your monthly mortgage payments then the first thing that you want to do is to contact your lender to discuss any payment options they may have. You may be surprised to learn that your mortgage company does not want your house and that they are generally more then happy to assist you in making sure that you avoid home foreclosure.
Every state has their own laws and each state’s laws can vary a great deal from one another. These places may be able to walk you through a list of things that they can do so that you know how to stop mortgage foreclosure.
There are also a lot of different non-profit organizations out there that can help you avoid home foreclosure if you are truly in need of the help. While there are a lot of places out there that can help, not all of them will be able to so you want to make sure that you come up with an entire list of places to call.
While it may seem a little embarrassing to talk with your peers and relatives about your financial situation, they are your friends for a reason and they are often times there to help you and to support you. So suck up the pride and look to others for help on figuring out how to stop bank foreclosure. Once you start talking to people you may begin to wonder what took you so long to search out help to begin with.
Comment » | Finance
May 27th, 2009 — 06:27 pm
justapiece44 asked: How do they proper? Is what they do legal and does it really stop collection calls? What if a person is already in a payment program where they have access to your checking account and you turn your debts over to a debt relief company? What is the procedures. Is using a debt relief really worth it to get out of debt?
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5 comments » | Credit
May 26th, 2009 — 12:26 pm
askquestion asked: What is salary of an associate finance director who does administrative and accounting work in a New York State University located in NYC? He does not belong to a union. He is employed by the government.
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2 comments » | Financial Services
May 24th, 2009 — 03:16 pm
siubak asked: I have a MBA degree and concentration in finance, looking for an entry level financial analyst position in the corporate finance area. What are the important skills normally required? I have a feeling that what I’ve learned from school does not match what are wanted in real world. So what skills are really expected from an entry-level financial analyst?
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4 comments » | Other - Careers Employment
May 24th, 2009 — 09:03 am
greatelderone asked: I know the US external debt is around 12 trillion, but what is the composition of the said debt? Treasury securities? What?
And second, does anyone have figures for who owns this outstanding debt? I have heard for example that China owns anything from 400 Billion to over 1 trillion. Does anyone have definite figures of these?
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2 comments » | Economics
May 22nd, 2009 — 06:03 pm
smiling f asked: There are a few debt companies and telemarketers call my house landline everyday. We don’t know the people that the debt companies are calling. We registered on the national no call list and I called them back several times and ask them to remove our numbers. But they still keep calling.
I am so frustrated. Is there punishment for this spam calls?
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3 comments » | Land Phones
May 22nd, 2009 — 05:51 pm
~ Jamie ~ asked: I am helping my best friend clear up her finances and she has many, many old collection notices on her credit report that are helping to drag her rating down. They are probably 4-7 years old. Do these ever fall off? Or get written off? It seems like they just keep transferring them to other agencies. She also has a Household Bank credit card in collections – should this be paid first or the old debt? She tried to make arrangements with the collection agency for Household but they wanted much more a month than she could give them, and they refused to make arrangements so right now they are getting nothing. Help – I am not sure where to start.
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9 comments » | Credit
