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Comments
from One of My Readers (11/16/08)
Obama; CitiMortgage; Overpaid CEO's |
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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... |
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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... |
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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... |
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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.
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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... |
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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... |
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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. |
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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. |
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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. |
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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... |
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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. |
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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.
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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? |
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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. |
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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.
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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. |
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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.
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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. |
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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. |
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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. |
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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... |
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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... |
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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... |
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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... |
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4 |
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... |
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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. |
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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. |
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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...
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Book
Section Added to Website (08/10/08) |
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Credit Management Section Added to Website (08/10/08) |
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4 |
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. |
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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...
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