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  Finance
Comments from One of My Readers (11/16/08) Obama; CitiMortgage; Overpaid CEO's
Changing Jobs in a Bad Economy (11/15/08) I had a talk with my sister about changing jobs as I am suffering a bit from burn-out. It was a short conversation. My sister set me straight right away...
Credit Check for Utilities - Deposit Required (11/15/08) I had to apply for an account at the electric company today. They, of course, had to pull my credit report and determine whether or not to charge me a deposit based on that credit report...
My Credit Report Added a Judgment Against Me (11/07/08) My credit report just had a judgment posted to it from my condo association. Funny, I just paid them about $15,000 last month to bring them up to date...
A Slow Month for Bill Collectors (10/30/08) October has been a slow month for me and my financial situation. No foreclosures. No real estate sold. No collection calls.
American Express Lowered My Credit Card Limit (10/17/08) I received an email today from American Express that they have lowered my credit card limit. The limit used to be $13,000. The limit is now...
Mortgage Discharge (10/12/08) A friend of mine got a letter from his mortgage company stating that his mortgage had been discharged. Discharged has a lot of implications...
Protecting My Inheritance (10/08/08) My grandmother recently passed away and left my mother several acres of land and her house. My mother now wants to pass this on to me, but I have creditors trying to collect money from unpaid bills already. I am looking at ways to protect these assets and keep them out of my own financial problems.
Getting Back My Home (10/04/08) Noah's house is now for sale as a foreclosed property (bank-owned) at less than half the original price. Noah is considering trying to get the house back, but there are several important points which must be taken into account.
Noah's House Listed at Foreclosure Prices (10/02/08) Noah's house is now listed in the Pensacola MLS with foreclosure pricing. It will be interesting to see if it sells at this reduced price.
Threatened with Small Claims Court Again (09/26/08) My condo association has threatened to take me back to Small Claims Court if I do not pay this month's condo fees by the end of the month. They are fast! Its funny considering that I just paid them $15,000 and have received no bill from them...
Noah's House on RealtyTrac.com (09/25/08) Noah's house went back to the bank in foreclosure. RealtyTrac.com sent me an email about it today.
You Are Not Alone. (09/19/08) Noah got an email today from a lady possibly facing foreclosure. She was glad to see that other people have very similar concerns and fears. It is important for all of us to realize that we are not alone.
Washington is Bailing Out Wall Street... Big Time (09/19/08) Washington is set to bailout Wall Street's mortgages and illiquid assets. Will this help Noah? Will this help you?
Another Friend in Small Claims Court (09/15/08) I heard today that a friend/neighbor of mine is going to Small Claims Court for his unpaid condo fees. We chatted for a bit. I feel glad that I was able to tell him how mine went.
Stock Market Investing with Pending Judgments Against You (09/12/08) Noah had to sell a chunk of stock in order to settle a claim against him from Small Claims Court (it was not so small at $11,000). There are several important lessons that came from this unfortunate and untimely event. Hopefully, you can avoid them in a similar situation.
Hurricane Ike Heads for Galveston (09/12/08) Hurricane Ike is about to make landfall around Galveston, Texas. Noah has been through quite a few hurricanes himself. He shares his best wishes for the people in that area and urges all of us to donate to the American Red Cross.
Small Claims Court Judgment Paid (09/09/08) Noah has paid the judgment against him for unpaid condo fees - as much as he hated to - all $15,000. He has learned, however, a few good lessons from this fine mess. You might benefit from what he has been through.
The House is Gone (09/07/08)   Noah's home has gone back to the bank in foreclosure. It took almost a year. Noah knew it was coming. There were plenty of notices and preparation, but it was still hard and emotional.
Last Ditch Effort to Avoid Foreclosure (09/04/08)   Noah has about 30 days before his house closes in foreclosure. As a desperate last effort to avoid foreclosure, he has decided to hand out fliers at real estate auctions in the area looking for investment partners. He needs about ten of them at about $100,000 each. It is a long shot, but it could happen.
Back After Hurricane Gustav (09/04/08)   Noah is back at his house after Hurricane Gustav came ashore as a Category 3 hurricane. See how his property fared and read his insights on natural disaster preparation.
Not Paying the Piper Just Yet (08/29/08)   Noah is facing Foreclosure, Bankruptcy, a Small Claims Court judgment...and now Hurricane Gustav. His luck is just getting better and better. With the real estate market doing so poorly, another hurricane like Hurricane Ivan in 2004 which wiped Noah out the first time will surely do little to improve his chances of pulling himself out of this mess...
Paying the Piper (08/26/08)  The opposing attorneys from the Small Claims Court judgment have scheduled a deposition with Noah. Noah, however, has other plans...
Property Taxes on Foreclosure Properties (08/21/08)  Even though Noah has three properties in foreclosure, he is still liable for the real estate property taxes on these houses (and condos). He got the bills today...
Deposition Paperwork (08/20/08)  Noah received a notice from the Small Claims Court case asking for documentation of his assets for the upcoming deposition. They are asking for a lot of documentation...
Filing Chapter 13 Bankruptcy (08/18/08)  Noah looks again at the options for filing bankruptcy. He would have to file for Chapter 13, and  Chapter 13 certainly does not look appealing...
Noah Needs a Bailout (08/17/08) With all of the bailouts going on in Washington and on Wall Street, Noah needs one on Perdido Key... and he needs it soon. Every little bit helps.
Find Low Gas Prices in Your Area (08/14/08)  This nifty little widget looks for gas prices by your zip code. Maybe it can help you save a few pennies a gallon.
I tried to buy a new home. (08/11/08)  Back in January of 2008, just a couple of months after he stopped making his mortgage payments, Noah tried to buy a cheaper house as a place to move while his home went back in foreclosure. Read how it went...
Book Section Added to Website (08/10/08)
Credit Management Section Added to Website (08/10/08)
Is bankruptcy really so bad an option? (08/06/08)  With all of his legal problems mounting from his financial problems, Noah is in a constant re-evaluation of bankruptcy.
Noah's Legal Bills (08/02/08)  When your finances go down, count on your legal bills to go up. Noah is keeping a tally of what his are mounting to. See how much the bill is...
Deposition Requested (07/30/08)
Notice of Foreclosure Hearing (07/29/08)
Noah Made it to National Television (07/24/08)  Canadian national television is worried about the U.S. real estate and mortgage problems spilling into their markets. Their worries got Noah a spot on their national television.
Freddie Mac and Frannie Mae Bailout Legislation (07/23/08)
Notice of Compliance to Request for Production; Legal Jargon For... (07/22/08)
Wells Fargo's HopeNow Letter (07/22/08)
Budgets Suck! (07/21/08)  Noah is quick to notice that budgets are not nice. He has instead resigned himself to moderate his spending and strive for making more money...
Absolute Auctions - Cheap Real Estate! (07/20/08)  With an absolutely awful real estate market, real estate auctions are taking place more and more often, especially along the Gulf Coast. There are deals to be had if you have money.
How will I ever pay off all this debt? (07/19/08)  Noah explores his ideas for making tons of money to pay off his tons of debt...
BIG Lesson from small Claims Court (07/18/08)
Consequences of Small Claims Court Judgment (07/17/08)
Banking without a Bank (07/15/08)
Short Sales by Bank's Local Attorneys (07/15/08)
Point your finger all you want. It is going to effect you, too. (07/13/08)
Foreclosure Hearing (07/13/08)
What Should Noah Pay Off First? (07/13/08)  You can cast your vote on what Noah should pay off first if he starts liquidating his assets. 
Short Sales - No Longer an Option (07/11/08)
Liquidating Assets Before Bankruptcy (07/06/08)  If you do not liquidate your assets and pay off your debts first, the bankruptcy courts and lawyers will do it for you. Take action while you can, but be sure to consult with a lawyer first. There are serious legal implications...
Judgment from Small Claims Court Case (07/03/08)
Update on Noah's Foreclosures (07/03/08)
UPDATE: Chapter 7 Bankruptcy Meeting with my Lawyer (07/03/08)
Worries (06/30/08)
Chapter 7 Bankruptcy Meeting with my Lawyer (06/28/08)
Bidding Wars on Real Estate Once Again! (06/26/08)
Reverse Auction House Sale Update (06/2608)
FED Funds Rate Unchanged (06/25/08)
I Received a 'Lien in Progress' Notice (06/24/08)
 
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Investing in Real Estate and Foreclosures? (06/22/08)
Small Claims Court Update (06/17/08)
Small Claims Court (06/13/08)
Reverse Auction House Sale (05/31/08)
Another Call from a Debt Collector (05/30/08)
Letter to My Lawyer (05/28/08)
I tried to refinance today. Read how it went. (05/27/08)
Being Served Foreclosure Papers (05/23/08)
U.S. Mortgage Legislation by Chris Dodd and Richard Shelby (05/19/08)
Are You Interested in Investing with Others in Short Sale and Foreclosure Properties? (05/18/08)
No Mortgage Payment in Six Months and Still No Foreclosure (05/13/08)
U.S. Senate Votes to Suspend Oil Purchases (05/13/08)
Bank Fees (05/10/08)
Should I Use My Credit Cards for Everyday Expenses? (05/09/08)
Before You Face Foreclosure and Before You Miss a Mortgage Payment (05/08/08)
Freddie Mac and Loan Counseling  (05/06/08)
I Received a Charge Off as Bad Debt Notice Today.  (04/30/08)
Gas Prices!  (04/30/08)
Foreclosure and Keeping Your Home Due to Technicalities  (04/18/08)
Tax Time  (04/14/08)
From Mortgage Payments to Rent Checks  (04/10/08)
Senate Passes Economic and Housing Stimulus Bill  (04/10/08)
PennyMac to the Rescue? (03/24/08)
We Are Moving (03/19/08)
Federal Reserve Offers $200 Billion Bailout (03/11/08)
War Bill Tops $12 Billion Per Month (03/10/08)
I May Have a Short Sale Buyer! (02/28/08)
4 The Banks on a Short Sale (03/04/08)
4 Taxes on a Short Sale (03/04/08)
4 No Sale (03/24/08)
Bankruptcy Links (02/28/08)
Seeking Legal Counsel (02/21/08)
What is Noah losing? (02/15/08)
Senate Hearing on U.S. Economy (02/14/08)
Noah's Foreclosure (02/13/08)
Project Lifeline (02/12/08)
   
 
If you are interested in posting blogs on ShortOnChange.com instead of just posting comments, email Noah here (Noah@ShortOnChange.com). I am looking for good writers who are interested in topics related to this web site.
 
Homeowners Mortgage Preservation Corporation
Noah's Investment Properties
Mortgage Debt Forgiveness and Tax Exemptions
Lax Lending Practices
Sub-prime Mortgage Interest Rate Changes
Foreclosure Information (03/05/08)
U.S. 2008 Stimulus Package
 
 
   
        The above blogs are available for comment. Please be constructive. This site is to help and encourage others, not to spread ill-will.

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