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Posted on May 8, 2013 in
Q:           How often should I check my credit report? A:   You should check your credit report at least once a year.  Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your credit report each year from each of the 3 main credit reporting bureaus (Trans Union, Equifax and...
Posted on May 3, 2013 in
Section 15(a)(3) of the FLSA states that it is a violation for any person to “discharge or in any other manner discriminate against any employee because such employee has filed any complaint or instituted or caused to be instituted any proceeding under or related to this Act, or has testified or is about to testify in any such...
Posted on May 1, 2013 in
Have you ever received a call to your cell phone from an unknown number and answered the call only to find a machine on the line trying to sell you something, or worse, collect a debt? Those calls are not only annoying, but they’re also a violation of federal law. The Telephone Consumer Practice Act...
Posted on May 1, 2013 in
The real estate market is currently a hot topic among Nevadans.  Speculation abounds regarding the stability of the market, the number of “underwater” homes and whether the market can sustain the recent upward trends in home values.  While foreclosures in Nevada had been steadily decreasing, they are again on the rise.  Nevada had the second...
Posted on April 27, 2013 in
The FTC recently released a report detailing how the debt buying industry works.  The report found that debt buyers paid an average of 4.0 cents per dollar of face value debt.  Importantly, the FTC also produced statistics showing that many debt buyers may not possess the information necessary to properly comply with the Fair Debt...
Posted on April 22, 2013 in
HARP 2.0 HARP is the government sponsored Home Affordable Refinance Program.  It is currently available to homeowner’s whose loans are owned by Fannie Mae or Freddie Mac.  Under this program a homeowner that is presently underwater on their mortgage will be able to refinance their home, generally over a new 30 year term, to current...
Posted on April 19, 2013 in
The Federal Trade Commission recently released its “Top 10 Complaint Categories for 2012.”  The second most frequently occurring complaints received by the FTC were in regards to debt collection.  Specifically, the FTC received approximately 1,920 complaints from Nevada consumers regarding debt collection activities.  Importantly, these numbers from the FTC do not include lawsuits filed by...
Posted on April 17, 2013 in
If you are considering a short sale, then you probably have questions about your potential liability on the deficiency—the portion of the mortgage not covered by the sale of the home. This is a legal question, and legal questions require legal advice.  Real estate agents are prohibited from giving legal advice. Unfortunately, many real estate...
Posted on March 14, 2013 in
Each time you apply for credit, lenders check your credit scores to determine how likely you are to pay back the money. Lenders use your credit score to decide how much money you can borrow and what your interest rate will be. A high credit score tells your lender that you will pay back the...
Posted on March 12, 2013 in
What Programs Are Available to Me? Each investor has their own set of guidelines and modification programs in which they participate.  In order to make the best decision for you and your family you need to know which programs are available so that you can decide if the modification is a worthwhile process for your...