The owner of the rental property we live in is apparently in financial trouble, we received 2 letters stating the mortgage has not been paid since March ‘08. The Property Management company says the owner is "talking" to an attorney regarding bankruptcy, so no clear answer on whether or not she has filed yet. So if she had filed already, how much time do we have to find another home, and what is the Management companys responsibility to us as far as remuneration, refund of our deposit, etc.

Technorati Tags: bankruptcy, financial trouble, mortgage, property management company, remuneration, rental property

I got into financial trouble after my divorce when my ex wasn’t paying child support. I am still so far behind there is no way I can ever catch up! I want to file bankruptcy, but when I called a bankruptcy attorney he said it will cost me 00 up front to file. If I could afford to pay that, I wouldn’t need to file bankruptcy! Help! Is there another way to file without paying all those fees?
Let me add that I have not been paying these creditors for a very long time. I can barely afford to pay rent, utilities, car payment and put food on the table for my kids. There is NO WAY I can come up with that kind of money!

Technorati Tags: bankruptcy attorney, car payment, child support, creditors, divorce, financial trouble, food on the table, long time, money

It’s a matter of pay now or pay letter. Republicans are all for lower taxes and smaller government except when their greed gets them in financial trouble.

Here is the issue that you are dealing with… Since the Stock Market collapse of 1929 a system of checks and balances was instituted as the economy grew to keep greed in check. However, after Ronald Reagan took office and developed the theory of Trickle Down economics, They began to chip away at several levels of checks and balances. One of the first levels that they attacked were the Unions. Unions offered a level that reported abuses in the labor market. Second was deregulation where they actually removed regulation by allowing business to move off shore where inspection and over sight where non-existent… then they moved to gut the budgets of regulatory agencies that were left, to stop over-site. Usury laws were thrown to the wind and bankruptcy laws were changed to protect the rich. (Look up Usury Laws)

Example: There are only 8 inspectors for all the livestock sold for food in California. Providing 30 percent of all the meat eaten in the United States and exported.

The result is that you have lead painted toys for your children to play with, food is polluted with chemicals and Salmonella and Wall Street Collapses in a heap and your 401K falls through the floor while Oil prices shoot threw the roof because they changed the rules to allow speculation in the Oil market and fought alternative energy. All the while the Republicans keep claiming your taxes are to high and the reason is it’s Ear Marks were causing it which equal less than 1 percent of the US budget .

We need to start thinking smarter and get back to enforcement of good sound banking rules and reduce greed out of the equation. We need over sight at all levels of both government and business. We need to pay those taxes necessary to enforce regulation and stop investing billions in "Wars to No Where". Think where we would have been financially if we had not swallowed "Georges War to No
Where" based on a lie.

Wake up America!!! Obama for President

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I WAS EMPLOYED BY THIS COMPANY I BELIEVED I WOULD BE HELPING HOMEOWNERS FACING FORECLOSURE AND GET LOAN MODIFICATIONS FOR PEOPLE IN FINANCIAL TROUBLE. THIS COULD NOT BE FARTHER FROM THE TRUTH I SLOWLY REALIZED I WAS DOING NOTHING BUT SCAMMING THESE PEOPLE .

FIRST OFF THEY OPERATE UNDER 2 NAMES MORTGAGE CRISIS SOLUTIONS BEFORE YOU ENROLL IN THE PROGRAM AND THATS THE NAME THEY TRY TO KEEP CLEAN, THEN ONCE YOU ARE ENROLLED ALL CHECKS ARE MADE TO PROPERTY SOLUTIONS SPECIALISTS THAT WAY BY THE TIME YOU REALIZE YOU HAVE BEEN SCAMMED OUT OF THOUSANDS OF DOLLARS YOU HAVE BEEN PAYING PROPERTY SOLUTIONS SPECIALISTS FOR MONTHS AND THAT IS WHO YOU ARE MOST LIKELY TO FILE COMPLAINTS AGAINST AND THAT IS WHY MORTGAGE CRISIS SOLUTIONS IS NOT REGISTERED WITH THE BETTER BUSINESS BEAREU AND IF YOU CHECK PROPERTY SOLUTIONS SPECIALISTS WITH THE BBB THEY HAVE ONLY BEEN REGISTERED SINCE MAY,28,2008 AND ALREADY HAVE 7 COMPLAINTS AND THAT NUMBER IS GROWING.

THE COMPANY HAS ACTUALLY BEEN IN BUSINESS FOR LESS THEN A YEAR HOWEVER THEY WILL DELIBERATELY LIE ABOUT THAT, THEY ALSO WILL SHOW YOU A LINK ON THE MIAMI-DABE COUNTY WEBPAGE OF A CASE THEY HANDLED AND FILE SEVERAL MOTIONS ON BEHALF OF THE HOMEOWNER STARTING IN 2006 ENDING IN 2008 THIS IS COMPLETELY FAKE THEY NEVER HAD ANYTHING TO DO WITH THIS CASE AND THE BUSINESS WAS NOT EVEN STARTED UNTIL LATE 2007.

THEY WILL CHARGE YOU 1495.00 IF YOU HAVE NOT RECIEVED FORECLOSURE PAPERS AND 2995.00 IF YOU HAVE RECIEVED FORECLOSURE PAPERS AND SET YOU UP ON A MONTHLY PAYMENT RANGING FROM 500-950.00 A MONTH DEPENDING ON HOW MUCH THEY THINK THEY CAN GET OUT OF YOU BASED ON YOUR MORTGAGE PAYMENT THAT, THEY WILL TELL YOU, YOU NO LONGER HAVE TO PAY WHILE IN THE PROGRAM. THERE IS REALLY NO DIFFERENCE BETWEEN THE PEOPLE PAYING 1495.00 AND THE PEOPLE PAYING 2995.00 OTHER THEN THEY FIGURE IF YOU HAVE RECIEVED FORECLOSURE PAPERS YOU ARE A LITTLE MORE DESPERATE AND WILLING TO PAY MORE, BECAUSE THE PEOPLE THAT ENROLL FOR 1495.00 ARE TOLD NOT TO MAKE THEIR MORTGAGE PAYMENTS AND ARE GOING STRAIGHT INTO FORECLOSURE ANYWAY.

ONCE YOU DO FACE A SALE DATE THEY WILL STOP IT TO KEEP THE MONTHLY PAYMENTS ROLLING IN, AND THE WAY THEY DO IT IS SEND YOU THE FORMS FOR A DO IT YOURSELF SUGGESTION OF BANKRUPTCY YOU HAVE TO FILL OUT THE FORMS TAKE THEM TO YOUR LOCAL COURTHOUSE AND PAY THE FILING FEES SO YOU ARE PAYING THOUSANDS OF DOLLARS FOR THESE FORMS THAT YOU COULD GET FROM LOCAL COURT CLERK FOR FREE.

THIS AN ABSOLUTE TOTAL CONGAME ALOT OF UNSUSPECTING HOMEOWNERS DONT REALIZE IF YOU FILE BANKRUPT YOU WILL BE IN YOUR HOME FOR OVER A YEAR WITHOUT MAKING A PAYMENT ANYWAY AND THESE PEOPLE ARE CONNING HOMEOWNERS OUT OF THOUSANDS OF DOLLARS FOR SOMETHING THEY CAN DO ON THEIR OWN FREE.

THEIR SCAMMING DOES NOT STOP WITH THE HOMEOWNERS EITHER ITS A DOUBLE EDGED SWORD ONE SIDE FOR THE HOMEOWNERS ANOTHER SIDE FOR THE EMPLOYEES , IF A SALESMAN ONLY HAS A FEW SALES THEY ARE FIRED AND THEY REFUSE TO PAY THEM COMMISSION DUE AND ITS THE SAME WHEN AN EMPLOYEE QUITS ANY COMMISSION DUE IS NOT PAID THESE PEOPLE ARE NOTHING BUT CON MEN STAY AWAY FROM THEM. AND YES I AM WILLING TO TALK TO ANY TYPE OF LAW ENFORCEMENT THAT IS INTERESTED THESE PEOPLE MUST BE STOPPED

John doe
miami, Florida
U.S.A.

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Surely it’s not the idea of government offerring a reasonably priced and fairly administered health insurance contract?

We have seen how corporate America works. From the big banks, to the big credit card companies and mortgage lenders, right. You don’t pay these guys at least million per year, they wouldn’t even consider showing up for work. Most of them wind up getting Million or million when all parts of their pay and compensation and pension and healthcare and expense account are figured in.

So the idea that corporate America is ludicrously greedy and rapacious is not news to anybody who has actually been on planet Earth for the past 10 years, right.

Now comes government, and says it wants a non-greedy, and non rapacious healtg insurance company. It wants to set one up. It wants a chance to compete with the insanely greedy private companies, maybe offer a better product, or make them offer better products by giving them some honest competion.

Well, if that’s all there were to the offer, only a real Chicago School Purist would object.

So, what’s the big objection to the Public Option?

Here it is.

Imagine a company that wanted to sell flood insurance. OK so they sell most of their policies in the floodplain areas of the USA.

In order to attract customers they say "We will pay off on these policies even if you buy them after your house has been completely washed away and destroyed utterly by a flood."

Well, of course they sell a lot of policies, particularly after big floods. Everybody whose house has been destroyed buys a policy for ,000 and then puts in their claim for their destroyed house for 0,000.

Miracle of miracles this company soon finds itself in big financial trouble. Why?

Because ,000 is a much smaller number than 0,000.

Now come the company executives, and they say, "How were we to know that our business model was faulty?"

We went to Princeton, Harvard, and Yale, we studied speechmaking, and community organizing, and political theory. We have never seen the inside of any business, met any payroll, done any cost accounting, kept any books, or developed any business models.

How were we to know?

Is this really similar to a health insurance company that agrees to insure all persons regardless of pre-existing conditions.

Imagine that the person is like the house.

Imagine that the pre-existing condition, perhaps glioma of the brain, is the house already having gotten washed away in the flood last week.

Imagine that the premium is ,000 per year.

Imagine that the operation for the glioma costs 0,000.

Now, the rule of arithmetic that we visited earlier
is still true, ,000 is a smaller number than 0,000.

Who could possibly imagine that such a health insurance company would run into financial trouble, and quite quickly, and quite deeply?

No one in government. They went to Princeton, Harvard and Yale, you know the drill.

The problem is this: The bad flood insurance company only hurts itself, it’s policyholders, its employees and it shareholders. It winds up in bankrupcy Court and gets eliminated, within about 6 months.

But the bad (crazy) U.S. Government backed health insurance company, can’t go bankrupt. It has the full faith and credit of the Federal government behind it, who can print money, or take the bad debt onto the Fed Balance sheet.

So this becomes the money black hole. It’s like a cash whirlpool. The money disappears down it, and never comes back, and it gets bigger and hungrier every day, every hour.

The rathole down which USA disappeared.

So — the problem is all about the fact that the government has a completely crazy business model for how a health insurance company can operate — and it’s not their fault — what do they know from insurance? Zilch — they are community organizers!

So this is an idea in which everybody is a victim, even the ones coming forward with the idea now, they are victims too ”How were they to know?"

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