Tag Archives: Advocates

Guerilla Techniques for Financially Surviving a Layoff Guidelines from Apprisen Financial Advocates

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Columbus, Ohio (Vocus) August 31, 2010

Apprisen Economic Advocates is a national nonprofit customer credit counseling agency that supplies individual economic counseling and financial education. Listen to the news or read your local paper and the economic news does not look to be getting any much better. The typical American household is only a paycheck or two away from economic distress.

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The initial reaction to becoming laid off can bring feelings of fear, anger, disbelief and sadness, says Michael S. Kappas, President and CEO of Apprisen Financial Advocates. It is crucial to acknowledge these feeling, but move beyond them to take control of your finances. Possessing a get-it-done attitude is vital to surviving a layoff throughout these challenging times, adds Mr. Kappas.

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Apprisen offers these layoff monetary survival suggestions:

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Crunch the numbers:&#13

Figure out your current monthly net income. Identify how a lot of pays are left at your present earnings and estimate your new income level soon after the layoff.

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Make housing your priority:&#13

There are several choices available for financially strapped homeowners, including loan modifications and forbearance applications. Make contact with your mortgage organization instantly. If you have difficulty functioning with your bank or are uncomfortable operating with them, contact a HUD approved housing counseling agency. They will aid discover the proper remedy for your situation. The counseling is free of charge.

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Get lean:&#13

Every single month spend your fundamental demands very first (utilities, food, medicines, and transportation). If money remains, keep other creditor accounts present.

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State the information:&#13

Make your creditors aware of your employment status. Ignoring them will only add tension and produce more troubles later. Communicating with them increases the likelihood they will perform with you to explore choices, such as particular hardship applications. Only agree to payment arrangements that are realistic for your new circumstance.

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Avoid the credit trap:&#13

The temptation to use credit throughout a financially-tight time may seem like an simple answer but can lead to added debt with lengthy-term consequences.

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Dont go it alone:&#13

Take benefit of community sources such as social service agencies and faith-based organizations and make them element of your employment transition team.

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For extra financial details on surviving a lay off and cash management and debt counseling, make contact with Apprisen at 800.355.2227.

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Apprisen Financial Advocates, a national nonprofit credit counseling agency, has been assisting consumers handle their finances and get out of debt since 1955. Certified counselors offer funds management, debt counseling, HUD-authorized housing counseling and monetary education. Services are provided in-particular person in ten states by means of regional offices and nationally by telephone or through the World wide web. The oldest nonprofit credit counseling agency in the country, Apprisen Financial Advocates is identified in its local communities as Consumer Credit Counseling Service (CCCS). Accredited by the Council on Accreditation (COA), Apprisen is a member of the National Foundation for Credit Counseling (NFCC), the Much better Business Bureau (BBB), and AICCCA. For far more information get in touch with 800.355.2227 or go to http://www.apprisen.com.

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The Law Offices of Kramer and Kaslow: Advocates and Bankers Join to Fight Loan Guidelines

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Calabasas, California (PRWEB) June 16, 2011

Philip Kramer from the Law Offices of Kramer and Kaslow comments on a current New York Instances post about new banking regulations. The New York Occasions reports that, As banking regulators are rewriting the rules for the mortgage market place, unusual alliances have sprung up in opposition to tighter lending requirements. Advocacy groups like the N.A.A.C.P. and the National Council of La Raza, a Latino civil rights organization, on the one hand, and the American Bankers Association on the other, are joining with each other to fight rules they say could make residence loans significantly less inexpensive for minority and working-class Americans.

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Politics makes strange bedfellows, says noted attorney Philip A. Kramer of the surprising coalition of consumer advocates and the banking industry coming with each other to fight new, stricter loan regulations for mortgages.

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According to The New York Instances article, the growing alliance in between civil-rights organizations and banking lobbyists could extend beyond the present round of monetary rule-making. If Congress turns its focus to restructuring Fannie Mae and Freddie Mac, for example, the identical groups could voice equivalent concerns over something that restricts the availability of credit for first-time home purchasers,

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David Stevens, chief executive of the Mortgage Bankers Association, was quoted in the article. I consider everyone agrees that the enthusiasm for advertising house ownership went way too far, stated Stevens. But now the danger is that we go also far the other way. We still require to be capable to make affordable mortgages that dont just go to the wealthy, who can afford the biggest down payments and who have the most constructive credit ratings.

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Philip A. Kramer, who represents hundreds of consolidated litigation plaintiffs suing banks for their mortgage practices, has a various take, The crisis occurred because banks have been able to profit enormously and this encouraged poor behavior. Purchasers had been sucked in since they wanted the American Dream to personal their personal property. It was a ideal storm of desire for a much better life and the pure greed of the profit motive. My belief is that regulatory brakes on each sides are definitely necessary to avoid a future disaster.

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A lot more of Philip Kramers observations can be found at the Law Offices of Kramer and Kaslow weblog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Office of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes industrial litigation and trial advocacy, with a concentration on company litigation, and genuine property matters. He has prosecuted and defended circumstances for more than twenty five years.

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Mr. Kramer is a licensed genuine estate broker and has spent considerable time offering legal services in connection with genuine estate issues relating to loan modification and loss mitigation, land use and zoning, environmental troubles, easements, building and development, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice ahead of all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has attempted in excess of 200 circumstances. He has appeared on nationally televised programs concerning pre-trial process and trial technique and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer frequently lectures on a broad spectrum of different legal and company issues.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization committed to bringing professionalism and civility back into the legal profession. He also serves on numerous Boards of Directors and serves as an officer in a lot of firms. For a lot more info contact (818) 224-3900 or go to http://kramer-kaslow.com

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Credit Advocates Law Firm Provides Debtors Wide Array of Monetary Solutions at Low Charges

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Chicago, IL (PRWEB) March 09, 2012

With offices in all 50 states, Credit Advocates Law Firm is in a position to use its national network of attorneys to give everyday shoppers access to many economic relief applications although still providing one-of-a-type client service and cost-effective retainer charges. &#13

The attorneys at Credit Advocates Law Firm have the skill and experience needed to provide clientele with a blanket of economic solutions. Almost everything from filing for bankruptcy, to pursuing individual injury claims, and even modifying loan repayment terms with creditors is covered under one particular low fee.&#13

Also, by offering consumers across the United States with access to a regional workplace, the law firm is capable to supply customized action plans to serve each individual consumers financial and private demands, a luxury as soon as offered only to large corporations capable to afford steep legal expenditures. &#13

Now, with cost-effective economic relief a reality, men and women and households can function out their debt and go on with their lives without radically altering their way of life.&#13

For a lot more info about Credit Advocates Law firm please visit http://www.creditadvocateslaw.com &#13

Get in touch with Credit Advocates Law Firm:&#13

8201 Peters Road &#13

Suite 1000 &#13

Fort Lauderdale, FL 33324 &#13

Credit Advocates Law Firm, LLC is a national, full-service law firm operated by seasoned, neighborhood attorneys across America. Credit Advocates Law has all the information, encounter and tools essential to give our customers with all available choices whilst helping them deal with their monetary concerns as speedily as possible and at the least expense.&#13

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South Florida Foreclosure Defense and Bankruptcy Firm Civil Justice Advocates, Pl Weighs in on Patraeus Story Participants Foreclosure and Customer Connected Situations

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Fort Lauderdale, FL (PRWEB) November 18, 2012

Even properly connected socialites in the middle of high powered controversies have to deal with foreclosure. As reported in the Tampa Bay Times by Ben Montgomery on November 15, 2012, Jill Kelley finds herself in the middle of a tangled net which led to the resignation of General David Patraeus. Jill Kelley and her husband Scott are buddies of Patraeus and of General John Allen, who was to be confirmed these days in Washington.

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This controversy tops off numerous years of economic struggles for the Kelleys which contain foreclosure. According to Ben Montgomery of the Tampa Bay Instances, Jill and Scott Kelley stopped producing payments on their $ 1.5 million house in 2009. According to court records for case number ten-CA-9459 found in Hillsborough County Clerk of Courts, their lender filed a foreclosoure lawsuit against them in April 2010. As noticed on the docket, Kelleys continue an aggressive defend by actively pursuing discovery, a tool allowing parties in a lawsuit to gather details from their opponent to help their case. Whilst their case is getting aggressively defended, the Kelleys stay in their homestead house. Given every little thing going on in their lives proper now, they could not be looking to the future but there is constantly a need to have for some sort of program. If they have been they may contemplate bankruptcy, particularly contemplating the other debt they have incurred and lawsuits filed against them.

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On a side note, Jill Kelleys sister, Natalie Khawam, who herself is requesting bankruptcy protection as reported by Tampa Bay Times’ Ben Montgomery on November 15, 2012 and filed in Middle District of Florida’s Bankrupcty Court discovered in PACER.gov under case quantity 8:12-bk-05664-KRM, may be capable to give some insight and tips for handing finances. That of course is yet another story.

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This instance demonstrates monetary difficulties cross social and economic boundaries. Valid defenses exist in foreclosure, loan modifications could supply appropriate relief and bankruptcy protection makes it possible for shoppers access to relief that leads to a fresh begin. Times are hard, options are attainable take action.

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About Civil Justice Advocates, PL at http://www.cjapl.com supplies legal help to buyers dealing with credit card problems, foreclosure and bankruptcy. Our main workplace is in Fort Lauderdale, Florida and we serve Miami Dade, Broward and Palm Beach Counties.

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Civil Justice Advocates, PL&#13

Phone 954-677-8888&#13

Fax 954-677-8881

Certified Default Advocates Now in Boise! Since every single struggling Homeowner requirements an Advocate on their side!

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Boise, Idaho (PRWEB) November 26, 2012

For Quick Release

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Since of the unprecedented meltdown in the nations economy which has brought on rampant foreclosures, residence values have plummeted by as significantly as fifty % in some regions.

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According to Jennifer Sims, owner of ShortSaleByDesign.com there is nevertheless purpose for hope foreclosure need to in no way be an selection. The housing market has impacted every person, she said, and its about time that these who have been hurt the most receive a correct advocate in assisting them in a single of the most stressful instances in their lives.

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As certified default advocates, the practitioners at ShortSaleByDesign.com strive to give universal info to those in the ever altering real estate market who are struggling to find guidance and direction.

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Sims explained, We are right here to be a safe harbor for our clients in the midst of the current financial storm. Our primary aim is to bring the truth about the brief sale market and to educate Realtors, investors and servicers about everyones correct part inside a short sale transaction.

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ShortSaleByDesign.com provides a wealth of valuable details about quick sales. Presently the web site features a free e-book, Your Guide through the Brief Sale Approach. There is also in-depth data obtainable specifically for homeowners, investment house owners and true estate investors.

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In addition, sellers can list properties and possible purchasers can search via accessible properties on the web site.

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We aim to offer the highest high quality of info and services, mentioned Sims. Our clients deserve the ideal advocates. It is our privilege to serve in that capacity for them.

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For a lot more information about the short sale method or loan modifications, please pay a visit to ShortSaleByDesign.com.

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