Google
 
 


 


 
Find a Lawyer - LegalMatch  
Home  Bankruptcy  Foreclosure  Blogs  Resources  |  Credit Help  Books  |  News  About  ContactUs
 

All Blog Entries
 

  (Most current blogs are at the top)   Click Here for the Best Blog Entries |
I Have Bounced a Check (02/28/10) I have bounced a check. I have not done that since probably college...
Going Without Health Insurance (02/28/10) My COBRA insurance has lapsed. I am now without health insurance for the first time since college...
Its Time for a Change (10/27/09) ShortOnChange.com has been up since 2008. The site has not changed a lot and maintenance has gotten harder and harder...
Rentals Cards and Debits Cards (09/27/09) I recently had to rent a car on a business trip. I was surprised to find that they pull a credit report if you use a debit card...
Condo Foreclosure (08/17/09) I have lost my second property to foreclosure. Read all about it...
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.
Condo Foreclosure Delayed Again (06/10/09) Wells Fargo has rescheduled my foreclosure sale date yet again. This makes about five times now.
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?
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.
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.
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 ...
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 ...
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.
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.
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...
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...
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?
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.
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.
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.
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?
Unemployment, Layoffs, No Income (01/25/09) My employer announced a few thousand layoffs last week. My job might be one of them...
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...
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...
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!
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.
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.
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.
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.
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...
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.
American Express Credit Card Declined (11/30/08) American Express recently declined to pay for a lunch bill for Noah. His card was declined, and it was a little embarrassing in front of his family and friends. Read the details...
What is Next for Noah? Anymore Foreclosures? (11/30/08) Noah has lost one house to a foreclosure and is about to lose a second house to foreclosure. What is next for Noah?
Noah's Second Foreclosure (11/29/08) Noah moved everything out of his three bedroom condo today as the foreclosure sale is scheduled for Monday. Read his take on the situation in this year-long foreclosure...
Noah's Legal Bills (11/25/08)  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...
CitiGroup Bailout; Another Foreclosure for Noah (11/24/08) Washington has handed CitiGroup billions in another bailout. Meanwhile, Noah is losing his second condo in foreclosure...
Holiday Gift Shopping on a Budget (11/22/08) Christmas is just around the corner, and Noah is thinking about what he is going to do for Christmas gifts this year.
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)
   
 
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

   


 
  


Home  Bankruptcy  Foreclosure  Blogs  Resources  |  Credit Help  Books  |  News  About  ContactUs
Copyright 2010 by ShortOnChange.com. All Rights Reserved.
Disclaimer: Always seek qualified legal counsel for your legal matters
 
Google