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Severance
Package Living (06/20/09) Since I was
laid-off last month, I have been living off of my savings and my
severance package. I can tell already that this will not last
long. |
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Condo Foreclosure Delayed Again (06/10/09)
Wells Fargo has rescheduled my foreclosure
sale date yet again. This makes about five times now. |
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I am a Lay-Off
Casualty (05/29/09) I am officially
among the unemployed now. I lost a house last year. I lost a job
this year. What is next? |
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Foreclosure Sale Date Set, Again (04/26/09)
A foreclosure sale date has been set for
one of my condos. My last payment on this mortgage was about 16
months ago. |
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Federal Income Tax Return Filed with 1099's from Foreclosure
(04/15/09)
I have
finally filed my federal income tax return including two 1099
statements from the house that I lost in foreclosure last year. |
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Renting Foreclosure Properties (03/12/09)
Even though my two condos are going back
in foreclosure, I have put renters in both of them. Some people
might consider this a scam, but I ... |
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Renewing My Lease Instead of Moving (02/26/09)
I have decided to renew my lease instead
of moving. Things are not final until the end of March. Wells
Fargo might decide to put me back in my house, but ... |
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CitiMortgage Homeowner Hardship Assistance Program
(02/16/09) CitiMortgage may have more
options for me to save my one bedroom condo. I think I will wait
though to see what the government is going to offer. |
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Foreclosures Halted by Several Large Banks (02/16/09)
The D.C. Administration is working on a new plan for avoiding
foreclosures. In anticipation, several large banks have
announced that they will be halting foreclosures until March -
long enough to get the details on the new government plan.
Unfortunately, Wells Fargo is not one of those large banks. |
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Debt-to-Income Modification Application (02/09/09)
Wells Fargo is sending me a Debt-to-Income
Modification Application. This is a new program started by the
government action lately. It just might save my home. It could
possibly save your home... |
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I Received Two Tax Statements from my Foreclosure (02/08/09)
From the foreclosure last year on my
primary residence, I received a 1099-A (Acquisition or
Abandonment of Secured Property) and a 1099-C (Cancellation of
Debt). These two statements have to be included on my U.S.
Federal income tax return. I could have a tax liability from
this foreclosure... |
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A
Year After Foreclosure and Moving Again (02/07/09)
It is hard to believe that I lost my home
in foreclosure just last year, and I am considering moving again
already - my lease is up soon on my rental apartment. Do I want
to renew it? Do I have other options? |
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For Fear of Bank Failures, Keep Cash Handy (02/01/09)
The FDIC closed three more banks last
Friday. One of those banks could not find another bank to assume
its accounts. That puts the account holders in a bind if they
did not have cash on hand for an emergency. |
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I Paid Off My American Express Credit Card (01/31/09)
I have paid off my American Express credit
card again... maybe for the last time. |
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Chapter 13 Bankruptcy Not So Good (01/31/09)
A friend of mine filed for Chapter 13
Bankruptcy about two years ago and is now losing his home in
foreclosure. The bankruptcy repayment plan proved to be too
tough and not flexible enough. |
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Adding a Layoff Clause to My Lease (01/31/09)
My lease is up for renewal at the end of
March, but it has nothing in it that will let me out of the
lease if my employer lays me off. Should I renew? |
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Unemployment, Layoffs, No Income (01/25/09)
My employer announced a few thousand
layoffs last week. My job might be one of them... |
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Noah's
Legal Bills Updated (01/25/09) My
lawyer sent me my latest bill for legal services rendered on my
foreclosures. In November, he only billed me for half an hour
for a total of $67.50. The grand total for legal services
rendered thus far is... |
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American Express has Lowered my Credit Limit Again!
(01/18/09)
While my credit score has steadily been going lower and
lower due to my outstanding mortgage payments and foreclosures,
my credit card limit has been doing the same thing. American
Express has just lowered my credit limit a second time... |
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Cashing Out ALL Stock Market Investments (01/18/09)
A friend of mine (not me) cashed out all
of his stock market investments at losses of more than 50%! I
was amazed. He did not need the money. He just could not take
watching the share prices decline day after day after day. What
makes it so bad is that he is only 28 years old! |
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Getting a Jump Start on My Federal Income Tax Return
(01/12/09) I am getting a jump start on my
2008 Federal Income Tax Return. I hope to get a refund, but I
will not have a lot of the mortgage interest that I had the
previous year. Plus, I want to get my refund before any lawsuits
are filed against me if I do in fact get a tax refund. |
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4 |
Maxing Out My Credit Cards Again (01/10/09)
I have maxed out my credit card, yet again. I did it last month,
and I have done it again this month. |
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4 |
Keep Your Bank Statements (12/21/08)
While most people probably do not make a habit of keeping their
bank statements and other financial statements, everyone should
be encouraged to do so. If you are ever taken into a deposition,
you might have to come up with statements for five years or
more. This might not be as easy as you might think. |
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4 |
Florida Suspends Foreclosures for 45 Days (12/15/08)
The State of Florida has, for the
holidays, suspended foreclosures for 45 days. Does this really
do any good? Noah finds it just an empty gesture. |
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Homeowners Association Dues 60-90 Days Past Due (12/12/08)
Noah keeps getting a bill from the
homeowners association for the first house Noah lost in
foreclosure for unpaid association dues. They are currently
60-90 days past due. Read Noah's thoughts on paying this bill... |
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Advice to
Others on Foreclosure and Bankruptcy (12/10/08)
A lady recently emailed me for advice on
how she might handle her own financial problems which involved a
possible foreclosure. Here is the email that I sent back to her
as I thought it might be helpful for others as well. |
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