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virus

Resources for Consumers – COVID-19

With every crisis comes thousands of scams trying to steal your money or your rights.  Do your homework before believing anyone, including friends or family (they may have also been scammed and not know it yet). 1)Community Legal Services, Arizona:

stimulus money

The IRS Will Not Call You About Your Stimulus Money – It Is Scam

IF YOU GET A CALL FROM SOMEONE SAYING THEY ARE FROM THE IRS – STOP!!!! IT IS A SCAM!!!! June 24, 2020 – The Federal Trade Commission (FTC) issues a warning that scammers are pretending to be from the government.  They can set their phones to appear on caller ID that the call is coming […]

paycheck

COVID-19 Scams – Warnings from FTC

Law suit against Ponte Investments, LLC, promoted their “SBA Loan Program” and website “SBAloanprogram.com

COVID Has Exposed Many of Our Neighbors to an Ugly Financial Reality

The next 12 to 18 months is going to be financially difficult for many of our neighbors Our new normal is homeschooling, face masks and self-isolation.  What few are talking about is the financial consequence of COVID-19.  Many of our neighbors are faced with difficult choices – pay the mortgage or buy food and pay […]

paycheck

Paycheck Protection Program – New Changes

SBA issues rules and guidance regarding the amended Paycheck Protection Program. The Flexibility Act: legislation signed June 5 lowered to 60% from 75% the minimum percentage of PPP funds borrowers have to spend on payroll costs to have the loans forgiven.  Plus, extended the covered period from eight weeks to 24 weeks, after loan disbursement.

I am a Leader in Democratization of Knowledge about Bankruptcy. Who Knew!

Who knew that I was a leader in providing knowledge to others (now called “Democratizing Knowledge)!! An article on Wired, Natalie Chyi, focuses a light on how COVID-19 has changed the prospective of on sharing information.  Titled The Coronavirus is Democratizing Knowledge.  The sub-title is: “Despite toxic misinformation, the pandemic has empowered us to become […]

Lead Express, Harvest Mood Financial Sued by FTC

Lead Express, Harvest Moon Financial and others repeated drew interest-only charges, leaving consumers to pay more than promised May 22, 2020 – The Federal Trade Commission (FTC) has charged Lead Express, Harvest Moon Financial, Gentle Breeze Online, and Green Stream Lending with deceiving its customers by overcharging millions of dollars and repeatedly withdrawing money from […]

Bankruptcy After COVID-19, What Should You Do to Avoid Mistakes?

This is a difficult time for everyone – employer, employee, parents, and seniors.  Never decide to do something without understanding the consequences of those innocent actions. We all know it is important to plan ahead.  It cannot be more important than today.  Many of you lost your job or were furloughed, but almost everyone has […]

virus

COVID-19 – Help for Homeowners and Renters

CORONAVIRUS ASSISTANCE INFORMATION July 11, 2019 – the following is information from the Federal Housing Finance Agency.  FHFA is closely monitoring the coronavirus national emergency’s effect on the housing finance market and continues to update policies and guidance to ensure its regulated entities – Fannie Mae, Freddie Mac (the Enterprises), and the Federal Home Loan […]

How Filing for Bankruptcy Changed My Life

I could tell you how bankruptcy may change your life, but why would you listen to me?Quick Page Index0.1 I could tell you how bankruptcy may change your life, but why would you listen to me?1 SOME THOUGHTS MY CLIENTS WANT TO SHARE WITH YOU:1.1 I was scared to the point of panic attacks1.2 Now, […]