Bankruptcy Information

The Federal Trade Commission recently published a warning about scams that have been reported on dating and social networking web sites. Here’s what you need to know to identify and avoid these potential money-suckers (and identity thieves).

It’s Probably Not True Love

According to the FTC’s OnGuard Online site, a typical online networking or dating scam works something like this:

• The scammer creates a fake profile.
• The scammer develops a relationship with someone he’s never met face to face and convinces that person that they’re in love.
• The scammer asks his “love” to wire money for one reason or another – usually to a location outside the United States.

So how can you distinguish between someone who is honestly interested in friendship or a relationship and someone who only wants to drain your bank account or steal your identity? The FTC provides a list of warning signs that your digital romance might be less than ideal.

• The scammer expresses a desire to move away from the dating or social networking site and use instead a personal email or instant messaging account. This suggests

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Tags: Scams, Social Networking

A great number of men and women across the country make use of Chase credit cards. Chase Bank is counted as one of the most widely used banks that provide credit lines to individuals and businesses. To get a card account there is, needless to say, a vetting process. There are some things you can use to boost your odds of obtaining a bank card from this financial institution.

Securing one of the many Chase credit cards is comparable to receiving virtually any bank card. A credit card application needs to be submitted, no matter if it’s by going online or the post office. Nowadays most consumers opt for the Internet, since it usually lead to quicker processing periods.

Getting a bank card through Chase Bank should be relatively easy assuming you have a current credit rating that’s at least 680 and no significant blemishes on your credit history. Those who have a marginally lower credit score, around 660 and below may still yet be accepted assuming their credit history is clean, however approval might take a bit longer regarding these types of applicants.

Chase credit cards provide an account holder quite a few diverse bonuses. The

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Tags: Cards, Chase Credit, Chase Credit Cards, Credit Cards

Help stop foreclosure before it’s too late! For many families…with children…the damage is done! The dreaded “F” word has tossed many children out of their homes and into the streets. As a country, we are in BIG trouble as 285,000 homeowners per month continue to receive DEFAULT notices…285,000 per month!

And it gets worse…as painful as it is for me to report. 7.5 MILLION homeowners owe MORE than their homes are worth!

Warning: What you are about to see in the following video shows just how desperate people are today when faced with losing their homes. Can you imagine being forced out of your home with out so much as taking your children’s favorite stuffed animals? I can’t. When I saw a little child’s teddy bear in the video get tossed into a dumpster, it nearly brought tears to my eyes. I know how much my

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Tags: Help Stop, Help Stop Foreclosure, Stop Foreclosure, Tossed

At times our clients will sail through their bankruptcy case without any offense from their creditors.  At other times, it seems that our clients must fight for their rights.

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A man consulted with me about filing Chapter 7 bankruptcy. The client and his non-debtor spouse lived on their sailboat docketed at the marina. The boat’s motor was broken but the sails worked. The boat was registered on a national boat registry with a federal boat ownership certificate. The ownership was listed as: husband wife. Not husband and wife, not husband or wife, and there was not choice of specifying ownership as tenants by entireties, tenants in common, or even as joint tenants with rights of survivorship. The client wanted to know if his boat was exempt from creditors under Florida law.

There are two possible exempts applicable to this boat: homestead and tenancy by entireties. A boat can be a homestead so long as the boat is permanently docket and is not suitable for transportation. A seaworthy  boat is more like a “boat” than a “home.” This client’s boat could sail. However, the client explained that the boat could not reach open water without navigating though the docks and other docked boats which it could only do with a working motor. The client s

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Tags: Motor