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Named one of the best business books of 1991 by both Publishers Weekly and Library Journal, The Bankruptcy Kit has helped thousands of individuals and small businesses on the brink of financial collapse. Now, readers can turn to the second edition of this bestseller to find complete coverage of the latest-breaking information on this timely topic.
Now, you can finally end the cycle of bad credit and get back on your feet by following the step-by-step advice and tools in Credit Repair Kit For Dummies, 2nd Edition. You’ll find out everything you need to know about creating a solid plan to get your credit back on track. You’ll discover how to find your credit report, review all of the information in it, and learn how you can repair and spruce it up. You’ll learn how to communicate with creditors and how to budget so that you can pay your bills in full and on time. You’ll learn how to apply these credit strategies to all life situations, from building credit with your life partner to financially surviving a divorce, unemployment, and student loans. You will find out how to safe-guard your identity so that other people don’t damage your credit. Find out how to: Take charge of your credit Get help from credit counselors Request copies of your credit report Know how to interpret your credit report and credit score Avoid foreclosure Communicate with collectors, lawyers, and the courts Manage medical debt Safe-guard your identity Complete with lists of ten tips to avoid identity theft and reduce damages, ten ways you can prevent foreclosure, ten methods for establishing and improving credit, and ten strategies for handling financial emergencies, Credit Repair Kit For Dummies, 2nd Edition is your one-stop guide to improving and maintaining your credit score and protecting your identity. Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.
Strengthen Your Relationship by Opening the Doors of Communication A prenuptial agreement is an integral part to starting your marriage off right. It can help open the doors of communication to direct your marriage toward greater understanding and financial success. And when the unexpected happens, a prenuptial agreement can go hand-in-hand with your other estate planning documents to protect you and to make sure you and your future spouse-not the government-control your property. The Complete Prenuptial Agreement Kit is your guide to constructing the agreement and relationship that you want for the rest of your life. Protect Your Assets Ensure that you get to make your own decisions about distribution and division of your property. Find the Law for Your State Each state's laws are listed, providing you with the most current information for your state. Start Your Marriage with Openness Begin your marriage with a greater understanding of each other's financial situation and a smaller chance of ending your relationship in a divorce. Provide for Your Children Guarantee that children from a previous marriage will be taken care of if you are no longer able to care for them yourself. Strengthen Your Relationship As your relationship grows, you can adapt your agreement to reflect your changing lifestyle. Write a Prenup that's Right for You Find everything you need to create and complete your own prenuptial agreement, with step-by-step instructions and samples in the text. Whether you are about to get married, or already are, use The Complete Prenuptial Agreement Kit to protect yourself, your assets and your loved ones.
The Complete Credit Repair Kit was written for the more than three million consumers who are refused credit each year due to inaccurate, incomplete, or out-of-date information in their credit files. With total bankruptcy filings reaching 1.4 million in 2009, this book is a must-have in today's tumultuous economy. This updated edition covers the Credit Card Accountability and Responsibility and Disclosure Act of 2009, a piece of legislation that offers benefits for credit card users and features blank forms and letters on SphinxLegal.com that readers can use to boost their credit scores.
MORMAMA is a riveting supernatural, southern gothic tale from Kit Reed, the author of Where. *2018 LOCUS AWARD FINALIST FOR BEST HORROR* *Locus 2017 Recommended Reading List* One of io9's 20 Amazing New Scifi and Fantasy Books for May Kirkus' the Best Science Fiction, Fantasy, and Horror Reads for May Dell Duval has been living on the street since his accident. He can't remember who he was or where he came from. All he has is a tattered note in his pocket with an address for the Ellis house, a sprawling, ancient residence in Jacksonville. He doesn't know why he's been sent here. In the house, Lane and her son Theo have returned to the ancient family home—their last resort. The old house is ruled by an equally ancient trio of tyrannical aunts, who want to preserve everything. Nothing should ever leave the house, including Lane. Something about the house isn't right. Things happen to the men and boys living there. There are forces at work one of which visits Theo each night—Mormama, one mama too many. At the Publisher's request, this title is being sold without Digital Rights Management Software (DRM) applied.
The painless way to manage credit in today's financial landscape People with great credit scores are getting turned down for credit cards and loans for homes and cars. What do they need besides a good score? What are lenders looking for now that they are extremely risk-averse? Repairing broken or damaged credit is one thing, but having to meet today's much stiffer credit standards requiring that consumers consistently manage their credit is another thing all together. Credit Management Kit For Dummies gives you answers to these questions and insight into these concerns, and also walks you down the correct path to credit application approval. You'll discover major changes with the Credit CARD (Credit Accountability, Responsibility, and Disclosure) Act provisions and the new Consumer Financial Protection Legislation Agency; the effect of tightened credit markets on those with good, marginal, or bad credit; new rules and programs including Hope and Government options via the Obama Administration; the best ways to recover from mortgage related credit score hits; tips for minimizing damage after walking away from a home; credit score examples with new ranges; and much more. The pros and cons of credit counselors The quickest and most effective way to undo damage from identity theft Advice and tips about adding information to a credit report, and beefing-up thin credit Guidance for evaluating your Credit Score in today's economy Fannie Mae's revised guidelines for purchasing mortgages Information on significant others (boyfriend/girlfriend/spouse) and credit and debt sharing IRS exceptions to the Mortgage Forgiveness Debt Relief Act in a mortgage meltdown situation Not just for those who have bad credit and need to repair it, Credit Management Kit For Dummies also serves as an invaluable resource for those with average credit who want, or need, to manage it to get a job, reduce insurance costs, qualify for banking products, and more.
A breakthrough title explaining effective, cost-efficient collection methods In a down economy, the demand for a successful credit and collection game plan increases. Credit & Collections Kit For Dummies is a comprehensive guide for people involved in collection activities with accounts/clients, helping readers approach the often difficult task of collecting from late/slow paying customers, as well as determining when (and if) to extend credit to questionable ones. It gives readers the expert information and tools designed to ensure that their collection methods are both effective and legal. The book's attached CD includes helpful scripts, forms, letters, templates, and spreadsheets to help readers work efficiently and effectively. Note: CD-ROM/DVD and other supplementary materials are not included as part of eBook file.
When Janet Lombardi phoned her financial advisor on a gray January day in 2007, she discovered something frightening. Her husband, Josh, an attorney, had emptied accounts without her knowledge. Her advisor spoke bluntly to her: Get yourself a good accountant, attorney, and private eye. Bankruptcy: A Love Story, Lombardi's debut memoir, lays bare the financial and other infidelities in her marriage. It traces the story of her family's plunge into economic turmoil as Josh faces prosecution and prison. Set against the backdrop of September 11th, the memoir roller coasters through sexual desire, addiction, financial collapse, and squandered love. As wife and mother, Lombardi confronts her own desires and demons as she travels the road to survival and navigates questions of love and redemption. Bankruptcy: A Love Story adds a human face to the headlines and statistics about sub-prime mortgages and debt-financed living. In 2010, home foreclosures in the United States reached an all-time high with more than one million people losing their homes. Americans have suffered the effects of these tough economic times, but few have captured the frightening ride in such detail. Bankruptcy: A Love Story takes the reader down the well and back up into the light. Ultimately, that road back is lined with painful choices, desperate moves, and the knowledge that letting go provides the only real answer.
Born in Puerto Rico and raised in New York of military father, travelled the USA, South America and Europe. Got drafted into the US army. Got married and had three children. Started management training program with Avco Financial Services helping people get their finances in order. Later worked with different banks helping customers achieve their financial goals. Started my own mortgage company and later moved to Puerto Rico where I started a successful mortgage company at the same time I was working with Banco Popular helping people get their finances together. Now that I'm retired and single, I serve the American Legion as Post Commander in Caguas PR serving veterans and their families acquired the benefits they deserve from the Veteran Administration.