Archive for December, 2008

Free Foreclosure Legal Hotline

      Attention Arizona residents:
Lawyers on Call, a public service program sponsored by the State Bar of Arizona and KPNX TV, offers monthly free phone calls to volunteer lawyers for citizens to have their legal questions answered.
The January date features information on Foreclosures and Evictions.
It will be on Tuesday, January 6, 2009 from 4:30 to 6:30 [...]

Foreclosure Information

We are compiling a list of resources for people experiencing mortgage difficulties or facing foreclosure.  This list will be updated regularly and we will continue to post the latest information as it becomes available.  It can be found under the Recommended Links to the right or just click here to go directly to the list.

We have [...]

What is a Thin Credit File?

Some people who are denied credit or a loan are told that the reason is their “thin credit file”.  Most people have no idea what that means, they only know that they didn’t get approved.  Understanding the factors that make up your FICO score can help you get a better credit score.

A “thin file” means [...]

Credit Card Reforms Approved

Today, the U.S. Treasury Department’s Office of Thrift Supervision (OTS) approved new rules for the credit card industry; the Federal Reserve and the National Credit Union Administration are expected to approve the same rules later today.  They are supposed to protect consumers from unfair and expensive practices.  But they don’t go into effect until July 2010, [...]

IRS Plan to Help Homeowners with Federal Tax Liens

   The Internal Revenue Service has announced a plan to help homeowners with a federal tax lien who are trying to refinance or sell their home.  According to IRS Commissioner, Doug Shulman, the IRS will expedite the process for changing the status of a tax lien to the secondary position or, in some cases, to [...]

Have You Started Your Smart Fund?

  Do you have some money set aside for the unexpected?  Most experts say we should have access to an amount equal to at least six months’ worth of our expenses.  You never know when you might need a new tire or other car repair, or have a sudden medical expense or a window replacement for [...]

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