Debt consolidation refinance #debt #consolidation #refinance

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Refinance Your Life

Mortgages, credit card balances, student loans—sometimes it seems like life today is just debt, debt, and more debt. We’ve all been there. But we don’t have to stay there. Refinance.com and its partners can help you reduce your debt, make ends meet, and save for the long run, too. Refi your life today.

Solve Your Student Debt

There’s no bigger burden on young Americans. The debt you’ve put on to educate yourself and prepare for life is holding you back. It shouldn’t and doesn’t have to. Let us help you with smart solutions to reduce student loans today—and get you ahead tomorrow. Refi your loans today.

Credit Card Control

Too many of us are at the mercy of too much credit card debit—and the ever higher interest rates on our balances. Refinance.com can help you get control of your credit cards, reducing debt and monthly payments. And keeping your credit score in good standing, too. Refi your cards today.

Cure the Mortgage Blues

You have the home you’ve always wanted, but like millions of Americans, your monthly mortgage payments have turned your dream into a nightmare. With interest rates at or near historic lows, it shouldn’t and doesn’t have to be this way. And we can help. Our refinance partners, the best in the business, will help you reduce your monthly payments and mortgage today.

Alina

I can still remember how excited I was to get to campus! The first person in my family to go to college! It was all almost too much. So many things I wanted to do, courses I wanted to take, people to meet. I didn’t even think twice about taking out the loans. I figured it would be easy to pay them back once I started working. Now I know better, and I really wish someone at my school had sat me down and explained just how big the monthly payments get when you graduate. True, it was worth it. I love my job, and I wouldn’t have gotten it without my education. But it just doesn’t pay enough to live and pay my loans. And when I found out how long it was going to take me to pay back my loans, I was at wit’s end. I just didn’t know what to do. Until I found Refinance.com, and discovered I didn’t have to pay so much. By refinancing, I reduced my monthly payments, made ends meet‐‐and even begin paying down my debt. It was almost as exciting as getting into college!

Kayla

After working in the New York City art scene for a few years, I had tough realization. If I was going to be taken seriously, I needed at least a BA, followed by a MFA. So I applied to schools, and I happily got accepted by a great school: St. John’s University’s Dramatic Arts, Film and Television program. Finally, I was truly on the path to acceptance and success. Little did I know I was about to put myself onto a roller coaster ride that would exhaust me mentally and physically and nearly wipe me out financially. At first, I was fortunate enough to have the government pick up the tab thanks to a federal loan through Navient. However, when the next semester began, the wheels fell off. Because I was working, and making fairly good money at a restaurant, I no longer qualified for the same benefits. I couldn’t believe it. I was getting penalized for working and studying. But I didn’t have time to think about it—if I wanted to stay in school and achieve my goals. The only choice was to take out a loan from Sallie Mae. My parents were having their own troubles and couldn’t co‐sign it. So I got stuck with a 9 percent interest rate, and after I graduated last spring, the cost truly hit me. So I had to give looking for the right art world job, keep working at the restaurant—and pick up a second job, too. Things still were tight. Until I found Refinance.com. They helped me find the right lenders to consolidate all my federal loans and refinance to cut the rates. I’ve still got a lot of debt, manageable, and I finally found that great job!

Get Ready to ReFi

The housing market is still stuck in the mud. Banks are afraid to make new loans—BUT if you already own a home, and have a solid track record of payments, plus good credit history, it’s a land of milk and honey—a literally golden opportunity to refinance.

  • Rates remain at historic lows. This won’t last forever.
  • Refi beats selling and buying. In many areas of the country, home prices still haven’t full rebounded and remain below pre‐crash. Eventually things will come back. Unless you must sell, wait.
  • Refi reduces costs today. On average, smart refis deliver significant savings over the cost of the loan, including closing fees. Don’t you need the dough?
  • Refi is a way of life. With your savings, you will have freed up essential money. What do you do with it? Help make ends meet? Throw it away at the tables in Vegas? Buy more stuff you don’t need it? Or, if you embrace refi as a way of life, put your savings to work getting the rest of your financial house in order—whether it’s paying down and refinancing credit card debt, student loans, an auto loan or more. The choice is yours.

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NB Distressed Debt Investment Fund Limited: Private Company Information #nb #distressed #debt #investment #fund #limited

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Company Overview of NB Distressed Debt Investment Fund Limited

Company Overview

NB Distressed Debt Investment Fund Limited is a closed-ended fixed income mutual fund launched and managed by Neuberger Berman Europe Limited. The fund is co-managed by Neuberger Berman Investment Advisers, LLC. It invests in fixed income markets across the globe. The fund seeks to invest in securities of companies operating across diversified sectors. It primarily invests in distressed and special situation credit-related investments, including senior and senior secured debt with both collateral and structural protection. The fund focuses on companies with stressed balance sheets, low implied enterprise value, liquidity crisis, proposed mergers, divestiture, or other such corporate events t.

NB Distressed Debt Investment Fund Limited is a closed-ended fixed income mutual fund launched and managed by Neuberger Berman Europe Limited. The fund is co-managed by Neuberger Berman Investment Advisers, LLC. It invests in fixed income markets across the globe. The fund seeks to invest in securities of companies operating across diversified sectors. It primarily invests in distressed and special situation credit-related investments, including senior and senior secured debt with both collateral and structural protection. The fund focuses on companies with stressed balance sheets, low implied enterprise value, liquidity crisis, proposed mergers, divestiture, or other such corporate events to create its portfolio. It benchmarks the performance of its portfolio against the HFRI Distressed/Restructuring Index. NB Distressed Debt Investment Fund Limited was formed on April 20, 2010 and is domiciled in Guernsey.

57 Berkeley Square

44 20 3214 9000

Key Executives for NB Distressed Debt Investment Fund Limited

Portfolio Manager and Non-Executive Director

Compensation as of Fiscal Year 2017.

NB Distressed Debt Investment Fund Limited Key Developments

NB Distressed Debt Investment Fund Limited, Annual General Meeting, Jun 06, 2017

NB Distressed Debt Investment Fund Limited, Annual General Meeting, Jun 06, 2017, at 11:30 Coordinated Universal Time. Location: Registered office, 1st Floor, Elizabeth House Les Ruettes Brayes, St Peter Port Guernsey GY1 1EW Guernsey Channel Islands

NB Distressed Debt Investment Fund Limited Reports Audited Consolidated Earnings Results for the Year Ended December 31, 2016

NB Distressed Debt Investment Fund Limited reported audited consolidated earnings results for the year ended December 31, 2016. For the year, the company reported interest income of $13,114,532 against $15,137,050 a year ago. Net investment income was $7,528,639 against $10,792,585 a year ago. Realized and unrealized gain from investments and foreign exchange were $7,638,567 against realized and unrealized loss from investments and foreign exchange of $107,220,535 a year ago. Net increase in net assets resulting from operations was $15,167,206 against net decrease in net assets resulting from operations of $96,427,950 a year ago. Net cash used in operating activities was $106,724,420 against $61,697,204 a year ago.

NB Distressed Debt Investment Fund Limited Announces Dividend, Payable on December 20, 2016

The Board of the NB Distressed Debt Investment Fund Limited announced an income distribution by way of a dividend of $0.0793 per Ordinary Share, $0.0332 per Extended Life Share and £0.0102 per New Global Share (collectively the Share Classes) to be payable on 20 December 2016 to shareholders on the register of the Share Classes as at the close of business on 11 November 2016. Ex-dividend date is 10 November 2016.

Similar Private Companies By Industry


Credit card debt consolidation: Get out of the multiple billing cycles -OVLG #credit #card #debt

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Credit card consolidation – Dump high interests and pay one bill

Credit card debt consolidation is a savior for all those who are drowning in credit card debts. It accumulates the outstanding balance in one place and allows you to make only one payment every month.

Credit card consolidation pros

  • Can pay off credit cards quickly
  • Enjoy a super low-interest rate
  • Make affordable monthly payments
  • Take care of only one bill each month
  • No late fees and over limit charges
  • Fewer collection calls

Credit card consolidation cons

  • May get into debt again as you relax more
  • Some companies charge high fees
  • You may lose assets (secured consolidation loan)

How much can you save?

How to consolidate credit card debt

Once you know what credit consolidation is and how it helps you become the master of finances, you can reach us instantly. We will help you consolidate multiple credit card bills as quickly as possible.

When you should or shouldn’t go for credit card consolidation

It’s not too late yet. You still have a chance to save your wallet and credit score. All you need to do is consolidate credit card debt right now. But before you begin the process, let’s find out a little bit about the scenarios when it will work best.

  • Want to get a reduced interest rate
  • Wish to get a fixed interest rate
  • Wish to kick out credit card debt fast
  • Want to pay one bill every month
  • Can’t even pay one bill on time
  • Have secured debts
  • Have enough money to manage credit cards
  • Don’t know how much your savings will be

3 Best ways to consolidate credit card debt legally

Credit card consolidation programs

Scenario 1:
You want to switch from multiple payments to one

Best way to consolidate credit cards:
Credit card consolidation programs

How it works:
The best option for consolidating credit cards since you make only 1 monthly payment to credit card consolidation companies.

Effect on credit:
It has a positive impact on your credit score.

Tip: Check out the credit consolidation reviews and find out if the company is trustworthy.

Balance Transfer

Scenario 2:
You can manage money very well, and your credit score is good.

Best way to consolidate credit cards:
Balance transfer

How it works:
Here you consolidate credit cards into one card with 0% APR available for a very short period.

Effect on credit:
Your credit score may drop initially.

Tip: Pay off the entire balance within 6-12 months to avoid paying a high-interest rate.

Credit card consolidation loan

Scenario 3:
You want to get rid of credit card debt now and have assets

Best way to consolidate credit cards:
Credit card consolidation loan

How it works:
Here you consolidate credit card bills into a personal loan that has to be paid off after a certain period.

Effect on credit:
It makes a positive impact on your credit score.

Tip: Check out the loan term and rate to avoid paying more than what you expected.

Credit card consolidation companies – Checklist to pick the best

  • Check the breakdown of fee structure
  • Check the affiliations
  • Check how long and how much to pay
  • Check their credit consolidation reviews
  • Check their industry experience

You may also like

Alternative options to reduce credit card debt

1 Credit card debt settlement :
Wondering how to get rid of credit card debts fast? Shake hands with debt negotiators to reduce your outstanding balance.

2 Credit card debt management :
It helps you eliminate credit card debt legally with smart budget plans and reduced interest rates.

3 Bankruptcy :
Thinking how to get rid of credit card debt legally? File Chapter 7 bankruptcy to discharge debts within 3-4 months.


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Inheriting Debt #inheriting #debt, #unpaid #debt,estate #planning,secured #debts,lawyer,lawyers,debt,debts,estate,assets,inherit

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Inheriting Debt

Locate a Local Family Lawyer

What Happens When a Person Dies with an Unpaid Debt?

All debts of a deceased person must generally be paid off before any assets can be distributed to the beneficiaries. Typically a will controls financial affairs after a person’s death by distributing assets and directing for the payment of debts. The person who oversees this process is the executor, who is named in the will or appointed by the court. If there are unpaid debts, the executor sells off the assets of the deceased person and uses the proceeds to pay off as many debts as possible. Payments are made as follows:

  • First paid are the secured debts such as mortgage or car payments.
  • Next are unsecured debts such as credit card bills.
  • Any debts that are left after the money runs out would not be repaid and the creditor takes the loss.
  • If there are remaining assets, they are paid to the people inheriting under the will or through intestacy .

Can a Person Avoid Paying Their Debts by Giving Away Their Assets before Death?

In some circumstances, people attempt to give away their assets before dying in an attempt to avoid leaving the money to pay off debts. This may not be successful, because Creditors have the right to seize the assets and reverse the gifts after death if the transfers were done solely to avoid legitimate creditors.

Can Spouses Inherit Their Partner s Debts?

Generally not, but there are two exceptions.

  • First, the answer might depend on whether the state was a community property state. Community property states consider all property obtained during the marriage joint property and the property belongs to both spouses. However, the downside to community property is that spouses will also be liable for their partner s debts.
  • Second, spouses who co-sign a loan, regardless of whether their state uses community property or not, will be liable for the debt they co-signed.

Can Children Inherit Their Parents’ Debts?

Children that are not a party to a debt prior to their parent’s death cannot inherit a debt. An exception are debts from a joint account of both the parent and child, in which case the child is responsible for the unpaid debt.

What Happens If I Inherit an Estate with Debt?

Most people view inheritance as a gain for the beneficiary. However, the estate may in fact owe more money than it has or the property you inherited looks like it might come with an expensive lawsuit or be foreclosed for some reason or another.

Inheritances are essentially gifts, so beneficiaries have the right to disclaim. or decline, inheritance. This might be a prudent idea if the inheritance will cost more money than its work. If you do accept an inheritance, the property belongs wholly to the beneficiary it was given to, including the debt.

Why Do Creditors Call Family about the Deceased s Debt?

Creditors can be aggressive after the borrower passes away since they only have a few opportunities left to collect the debt before they have to write it off as a loss. Some creditors will call the deceased s family, even if they know there is no way they can legally collect the money.

If you receive creditor notices or calls after a loved one passes away and you are not the named executor, double check to see if there was someway you could have co-owned the debt. If you are not a co-owner to the debt, instruct the creditor to contact the executor of the estate. If the creditor persists, contact an attorney.

Should I Contact an Attorney?

An estate planning attorney can provide valuable assistance when dealing with possible financial responsibilities you or your children may possibly encounter when planning out your estate. An experienced attorney can advise you of your legal rights as well as possible remedies you may have.

Link to this page


Should I Consolidate Credit Card Debt, consolidation of credit card debt.#Consolidation #of #credit #card #debt

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Should I Consolidate Credit Card Debt?

If you are struggling to pay off multiple credit cards, consolidating your debt may allow you to reduce your interest rates and lower your monthly payment. However, a lower monthly payment can mean a longer repayment term and more interest paid over the life of the loan. Whether you should consolidate your credit card debt depends on your individual circumstances and the terms of the consolidation.

Read on to learn more about whether credit card debt consolidation is right for you.

(To learn more about managing credit card debt, see out topic on getting out of credit card debt.)

What Is Credit Card Debt Consolidation?

Consolidating your credit card debt essentially means combining all of your debt into a single loan or paying your creditors through a single monthly payment. You can do this by taking out a consolidation loan or using a debt consolidation or management company.

How Does Credit Card Debt Consolidation Work?

When you obtain a debt consolidation loan, you pay off all of your outstanding credit cards with its proceeds. This means that instead of owing money on multiple credit cards, you now have a single obligation. The amount of your monthly payment will depend on the total amount, interest rate, and payment terms of your consolidation loan.

Should I Use a Debt Management Company to Help?

There are thousands of companies that claim they can help you consolidate or manage your credit card debt so that you pay less or reduce your payment.

Typically this is how these companies work: Instead of obtaining a new loan to pay off your credit cards, the debt management company tries to negotiate with the credit card companies to reduce your interest rates or otherwise lower your monthly payments. Each month, you make a single payment to the debt consolidation firm and it distributes a portion of your payment to each of your creditors. Usually, it also keeps a portion (or sometimes all) of your payment to cover its own fees.

While there are some legitimate companies that provide this service for a very low fee, many companies charge huge fees and do little on your behalf.

(You can learn more about debt management and debt negotiation companies in our Debt Settlement Negotiation topic area.)

Is Credit Card Debt Consolidation Right For You?

Below are some of the main factors you should consider when deciding whether consolidating your credit card debt is in your best interest.

Can You Afford to Pay Off Your Credit Cards?

Consolidating your credit card debt does not eliminate it. Even if the consolidation reduces your monthly payment, you still have to pay off all of your debt. So if you don t have regular income or can t afford your monthly payment, consolidating your credit card debt will not help you get back on track.

If you can t afford to pay off your credit cards, consider other alternatives such as debt negotiation (which can reduce the balance on your credit cards) or bankruptcy.

Will Consolidating Your Credit Card Debt Reduce Your Interest Rates?

One of the main benefits of consolidating your credit card debt is getting a reduced interest rate. Reducing your interest rate allows you to lower your monthly payment and pay off your debts sooner. As a result, if you can t lower your interest rates by consolidating your credit card debt, then it is probably not worth the extra cost and fees you will have to incur to do it.

Will It Take Longer to Pay Off Your Debt If You Consolidate?

By consolidating your credit card debt, sometimes you can significantly reduce your monthly payment. However, don t assume that your payment went down solely because of a lower interest rate. If your new monthly obligation is substantially lower, it usually means a longer repayment term.

If your repayment term is extended when you consolidate, it may take you significantly longer to pay off your credit card debt. While it may be nice to have a more manageable monthly payment, it also means paying more interest over the life of the loan. Review the terms of your consolidation carefully before deciding that it is the right choice for you.


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Guam Bankruptcy Lawyer – Dededo Law Office, Mark Williams #dededo #law #office, #mark #williams, #guam

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If you need assistance with a bankruptcy or other legal matter, contact our Guam bankruptcy attorney. Our lawyer has over 23 years of experience as a trial lawyer. He is a Guam bankruptcy lawyer that can help you overcome the challenges you face during a particularly difficult time. He is the Guam bankruptcy attorney you can trust.

Areas of Practice related to Bankruptcy

Our Guam bankruptcy attorney focuses his practice in a variety of legal areas, including:

  • Personal Injury. If you have been injured in an accident, you will need the assistance of counsel to represent your rights against opposing parties and uncooperative insurance companies.
  • Bankruptcy. Those going through financial difficulties may be faced with overbearing creditors and banks. A Guam bankruptcy lawyer can advocate for your rights and protect your assets.
  • Immigration. Immigration laws can be extremely confusing and complex. Given the high stakes of many immigration cases, you may want professional assistance.
  • Criminal. You may have been falsely accused of a crime. Our attorney is a former federal prosecutor and understands how unfair the criminal justice system may be.
  • Employment. If you have been discriminated against at work, wrongly terminated, or not paid the salary you are owed, you will want to contact an attorney.
  • Estate Planning. Prepare for the distribution of your assets with a trust, will, or other estate planning instrument.
  • Small Business Law. Small businesses may be particularly vulnerable to personal liability claims. Depending upon your business, you may also face unique challenges such as those relating to contracts, compliance, and other issues.

Our attorney is dedicated to providing you with the highest quality legal services. He works hard to ensure that his clients receive the representation they need and fairest chance. To learn more about the particular legal issue you are facing, contact a Guam bankruptcy attorney.

Contact a Guam bankruptcy attorney. You may be at a severe disadvantage in your legal matter. That is why it is important to work with a Guam bankruptcy lawyer. The legal issues related to bankruptcy or other legal matters can be extremely complicated and a Guam bankruptcy attorney can help explain to you options and strategies to overcome the problem.

Experience. Knowledge. Commitment.


Check Business Credit Score: Company Credit Ratings, company debt ratings.#Company #debt #ratings

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Business Credit Reports Scores

Company debt ratings

Creditsafe 3D

Integrated solution for the high volume user. Improve your portfolio management through business risk assessment.

Company debt ratings

International

See the whole picture, reveal hidden linkages and get global information from our unique cross-referenced databases.

Company debt ratings

Company debt ratings Company debt ratings Company debt ratings Company debt ratings

How well do you know your customers, suppliers, competitors, and potential customers?

Creditsafe is the world’s most used provider of business credit reports and owner of the world’s largest business-to-business credit rating database.

Creditsafe’s business credit reports are affordable, high quality and comprehensive, giving you the ability to make the best business decisions possible based on sound performance data. Using our reports can protect you from bad debt and help you make more informed decisions. We’re so confident in our reports that we’re willing to give you our best deal yet: a free business credit report at no cost and no obligation.

Our business credit reports contain all the information that you would expect in a comprehensive business credit report – including an overall score and credit risk rating — presented in an easy-to-use format. Key information is available at a glance on every page that you would need to make an informed appraisal of the risk associated with doing business with another company.

Each instantly available online report contains:

  • Risk Rating – Highly predictive scoring models measure the likelihood of a company’s payment performance becoming seriously in the next 12 months
  • DBT (Days Beyond Terms) – Trade payment analysis highlights how a company pays their suppliers and how it compares to their industry
  • Trade Payment data – Millions of payment experiences provide an exceptional view of how companies pay their invoices by industry
  • Credit Limit – Recommendation of the total amount of credit that should be outstanding at any one time
  • Legal Filings – Extensive coverage of State/Federal Tax Liens, UCC Filings, Judgments and Bankruptcies.
  • Group Structure and Linkages – Uncover corporate hierarchical structure by identifying parent companies, subsidiaries and branches at a global level
  • Financial Data – Directly link to financial statement information based on income statements and balance sheets
  • Company Information – Robust view of companies including: Business Type, Address Type, Number of Employees, Primary SIC Code Industry Classification, Years in Business, Annual Sales Amount, Location Type.
  • Payment Trend – Powerful trend analysis that tracks companies’ payment performance over time
  • Safe Number – Creditsafe’s unique identifier for every registered company
  • Officer Report – Uncover the officers of each company and identify other known affiliations
  • Media Solutions – Search millions of news articles on a company and gain additional insight through current events
  • Commentary – An easy-to-read summary of recent changes that are affecting the company either positively or negatively
  • Federal Motor Carrier Safety Data – Understand transportation companies’ Motor Carrier safety ratings, fleet size and types of cargoes moved
  • Government Award Information – Identify companies that have been awarded government contracts or grants
  • Socio Economic Program Participant – Indication whether a company is certified by Federal Government as Socio-Economic impacted entity
  • Possible OFAC –Flag sanctioned businesses that the U.S. government prohibits from trading with under the Patriot Act
  • Google Maps – Pin-point the exact location of a business

How we make them

To create our business credit reports, we start with the original source or the best third-party verified data available covering all US businesses (excluding self-completed information). We then cross-reference it with our own international databases to build our online business credit reports.

Our trade payment lines enable us to calculate an accurate picture of a business’ payment performance and allow you to gauge how they rank against their industry. With market-leading numbers of partners, we have in excess of 100 million trade payment lines in our databases. On average we provide over 50 lines of information in each delivered report and show more than one line on at least 24 million businesses.

Company debt ratings

Our business credit scores and limits are constructed using powerful analytical tools that are constantly verified to ensure the accuracy of their predictability. We cross-reference our US group structure information with our international databases to make certain that we can always show all the associated businesses from around the world.

We provide all this rich data in an intuitive format which means you can always find the data you need easily and check business credit scores right away.

How you get them

The best business credit reports in the world aren’t worth reading if they’re not about the actual business you’re doing business with. Our online business credit reports are powered by Creditsafe’s search engine. We’ll always generate a full selection of search results so you can be certain you’re looking at the right business.

Our possible matches function will enable you to see businesses that share either the same name and address as the business you’ve searched for, or parts of the name or parts of the address. This is a great way of finding a false shell company or identifying those businesses that keep setting up with slightly different names out of the same address after a track record of failure.

Company debt ratings

Since we have the world’s largest cross-referenced database, we’ll also conduct an international search every time so you can immediately spot any associated or similar business from around the world. Our freedom access model means you never have to worry about the cost of accidentally checking a business credit report.

Trading Internationally?

We offer instant access to over 190 million companies in our international reports.


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Tax Resolution Services #tax #resolution #services, #tax #debt #relief, #tax #resolution

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Proper Tax Debt Services

Proper tax debt services can be essential, no matter what industry you’re in. Whether you have a restaurant or own an auto repair shop or construction business, we offer expert resolution services to help your business run smoothly with an eye on the bottom line.

When it comes to finding tax resolution services, you should be picky about whom you choose. After all, when you entrust someone with your tax resolution strategy, you’re trusting them with a lot. Well, you can trust us to provide you with excellent tax resolution services. We’ve been in the tax resolution business for more than 10 years and offer a wide array of services that you can count on today and tomorrow.

Tax Debt Services Clients

Our tax resolution clients come to us for expert help. Tax debt services can include helping you with garnished wages, levies, harassing phone calls, threatening letters, notice of filing a “Substitute Filing Return (SFR)”, audits, and demand for tax return. We can also provide resolution services if you haven’t filed for several years. We’ve successfully perform resolution services for a number of diverse clients throughout San Diego and California.

We can customize tax debt strategy for your personal situation and your business, large or small. Sole proprietors may not think they need debt relief services.

Engage us for tax debt services

When you engage us to provide you with debt services, you can rest assured that you’ve chosen a qualified, professional business partner that will help you handle whatever tax debt relief services needs may arise.

Our high-quality debt services are part of the comprehensive financial and tax services that can help you stay on track with your business and personal goals. Call us today about our tax services and other services that will help you reach success.

Tax Debt Relief – You Can Count On

Case Study M – Offer-and-Comprise tax resolution success! A client came to our office with 12 years of past-due non-filed tax returns. After working with the client to reconstruct records and put over a decade worth of tax returns together we were finally able to file all of the outstanding returns. Once the returns were processed and accumulated penalty and interest were calculated, the client was on the hook for nearly $38,000 to the IRS.Our next step was to prepare an IRS offer-in-compromise in which we were able to get an amazing settlement for the client,only $1260.00! That’s 3.3 cents on the dollar. Needless to say, the client is very happy and can now move forward with putting the financial pieces of his life back together.

T ax Resolutions Inc

A Division of Love and Associates Inc


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Long Island Bankruptcy #bankruptcy #lawyer, #bankruptcy #attorney, #long #island, #law #firm, #nassau #county, #nassau, #bankruptcy,

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Keith, Shapiro Ford has practiced bankruptcy law on Long Island for over 25 years. We believe in aggressive representation and have never accepted the proposition that some things ‘just are’ and cannot be changed. We make our voice heard so your voice is heard. Our goal to make a difference not just a series of Court appearances.

Bankruptcy has become more complex. The sweeping overhaul of the bankruptcy law and regulations has taken what was once a simple, straightforward path to a fresh start and turned it into a complex minefield that requires experienced guidance to allow for successful navigation and an ultimate realization of your desired goal. Often bankruptcy cases require knowledge of other fields of law, such as criminal law, real estate commercial law. We have partners and associates that are immediately available for consultation in these areas when needed.

Like everything else in life, your bankruptcy matter requires a plan of action consistent with goals that the you set. From the beginning we will work with you to develop an approach focused on your goals which we believe will help meet those goals in the most effective and expeditious manner.

We maintain offices on Long island, in Nassau County and Queens County. We offer free in-office consultations so that you can get a better sense of the process generally and what is likely to happen in your matter specifically. We can make emergency filing to stop foreclosure and bank account and wage attachment. If you are planning on filing bankruptcy on Long island, give us a call, it might be the most productive and informative hour you have spent in a long time.

These materials have been prepared by Keith, Shapiro Ford, for general informational purposes only and are not intended and should not be construed as legal advice or legal opinion on any specific facts or circumstances. Every case is unique. The information contained in this website is not intended to create, and receipt of it does not constitute, a lawyer-client relationship nor is it intended to substitute for the advice of an attorney. Internet subscribers and on-line readers should not act upon this information without seeking professional legal counsel. This website constitutes attorney advertising.

Keith, Shapiro Ford
666 Old Country Road
Garden City, New York
516-222-0200

Call
Free in-office consultation


Reverse Mortgage Watch, Australia – s leading on-line resource for reverse mortgages and senior –

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There are media reports that many senior Australians are now starting to worry about government s plans for the aged pension and Newstart Allowance revealed in the recent budget. As the Federal Government announces new schemes as part of its $5.1 billion employment service program the unemployed may soon be forced to apply for 40 jobs [ ]

by Darren Moffatt 17 April 2014

Lots of ominous sounds coming out of Canberra recently for seniors. Firstly, the treasurer has been dropping big hints that the retirement age will probably rise to 7o years in the May budget. While it won t affect this generation of retirees, take it as done. The retirement age will go up Generation X and young [ ]

by Darren Moffatt 17 January 2014

Funny how attitudes change over time. When I started in the reverse mortgage industry in 2005, there was a widespread (though misinformed) view that reverse mortgages were evil or bad . That the banks would end up taking your home, and that spending the kids inheritance was selfish, irresponsible perhaps even immoral. Well not anymore! [ ]

by Darren Moffatt 25 November 2013

There s been lots of talk recently about increases to the aged pension age. Understandably, many seniors are upset. Last week the Productivity Commission, (the government s independent economic advisory body) released this report about ageing in Australia. It suggests that due to the rapidly ageing population and the huge pressures this will place on the government [ ]

by Darren Moffatt 7 November 2013

What started out as a fringe issue in the banking system is quickly developing into a major headache for many Australian pensioners. I m talking of course about the limited availability of reverse mortgage loans. I last wrote about it HERE, but things are much worse now, and there s a case to be made that banks [ ]

by Darren Moffatt 7 August 2013

With news yesterday that the RBA has cut the cash rate to a record low of 2.5%, many self-funded retirees are now really feeling the pinch. Since the GFC and the rapid decline in both share dividends and term deposit interest rates, self-funded retirees have struggled to generate a return off their investments that is [ ]