| |
(Most
current blogs are at the top)
Click Here for the Best
Blog Entries | |
|
|
|
|
■ |
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)
|
|
|
|
|
■ |
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.
All
blogs
are listed at
http://blog.shortonchange.com
|
|
|
Try
Feed Shark
for blog traffic. |
|
|
|
|
|
|
