Fix your Credit in a 609 legal and fast way and bring FINANCIAL FREEDOM!Beginners Step-by-Step Guide for Fixing CreditUS territory focused wayIncrease your Score +800Legal 609 Loopholes+10 Letters Templates includedAre you tired of being rejected by the banks and other financial institutions because you have bad credit? Are you ready to get through and work on improving your credit score in order to get the funding that you need? What if you could write a few letters and attach a few supporting documents and get a lot of your credit score cleared up and ready to go?That is exactly what this guidebook is going to help us do. We are going to learn some of the basics that we need in order to understand what our credit score is and how we can help it or harm it if we are not careful. But the crowning jewel that we are going to spend time on is the idea of Section 609, and how some of the loopholes that we are able to work with can help to clear out our credit report and raise that score almost instantly. Everyone wants to make sure that their credit score is as high as possible, and this guidebook is going to help us to get started.There are a lot of topics that we are going to discuss credit, our credit scores, and Section 609. Some of the topics that we will explore all of these in this guidebook include:What a FICO score is all about and why it is so important.A look at some of the secrets that you can do to increase your credit score.How to harm your credit score and why certain actions need to be avoided at all costs.The most common credit myths out there and why they are just harming you.How to increase your score to 800+ without having to wait years to get it done.A look at what Section 609 is all about, and how this is going to help you to improve your score in no time.Some of your rights under Section 609 and how you can use these to your advantage.Some of the things that you should include in your Section 609 letter to make it stand out and ensure that you are fully understood.Some of the best templates that you can use to work with Section 609, the follow up letters, the Cease and Desist letters, and even some Goodwill letters.There are a lot of things that are going to come up when it is time to work on improving your credit score. You can work with a lot of different things when it comes to improving that credit score, but nothing is going to work as effectively as the Section 609 loophole and in helping you to clear out your credit score and get things in line. When it is time to work with Section 609 for your credit repair needs, make sure to check out this guidebook to help you get started. You will be bragging to your friends.Now it's your turn, start living a comfortable life and get your financial freedom.This books is #1 in the 609 Credit Repair's Series.Scroll up, click on "Buy Now with 1-Click", and Get Your Copy Now! Read more

This comprehensive book, revised to incorporate recent case law and changes to the Bankruptcy Code, bridges the divide between classroom theory, courtroom procedure and conference room negotiation. Doctrine and practical counsel are blended in a unique treatment of bankruptcy law and process. New and nonspecialist lawyers, and nonlawyer professionals in particular, will find the book a lifeline to demystifying the arcane rules of the bankruptcy road. Experienced counsel will also find it a refreshing read, not merely a reference to be consulted. Read more

The behind-the-scenes story of the five-year legal battle over a railroad bankruptcy and the formation of Conrail, as told by a lawyer on the case.What happened when the US government stopped investing in railroads and started investing in highways and air travel? By the late 1970s, six major eastern railroads had declared bankruptcy. Although he didn’t like trains, Howard H. Lewis became the primary lawyer for the Reading Railroad during its legendary bankruptcy case. Here, Lewis provides a frank account of the high-intensity litigation and courtroom battles over the US government’s proposal to form Conrail out of the six bankrupt railroads, which meant taking the Reading’s property, leaving the railroad to prove its worth.After five grueling years, the case was ultimately settled for $186 million—three times the original offer from the US government—and Lewis became known as a champion defender of both the railroad industry and its assets.“Should be required reading in every law school, especially for students who aspire to become corporate attorneys . . . valuable insights into the creation of Conrail.” —Rush Loving, Jr., author of The Men Who Loved Trains“For the railfan, you’ll receive an insider view of this historically important period and a better understanding of how and why Conrail came into being and what it meant for rail transportation.” —Model Railroad News Read more

Warning: Don't read this book if you're not ready to improve your financial life!Are you one of the 13 million people in the United States that have a low credit score? Have you been rejected by the banks and can't buy a car or your dream house?If so, then keep on reading because this guide is perfect for you!Today your credit score is affected by both missed payments and late payments. Having a low credit score is one of the most common reasons for not accessing loans or mortgages. Even if your score is not too low, you will still have difficulty accessing low-interest loans.Unfortunately, banks and credit institutions have no interest in letting you know some valuable information to boost your credit score. You are lucky to have made it this far, you will discover the secrets of the strategies experts use to fix your credit and drastically improve your financial life without wasting time with unprofessional or too expensive credit repair agencies.Book 1 focuses on credit repair, including strategies, fixing credit scores, and improving personal finance, and Book 2 is all about raising scores and becoming a pro. Being offered a bundle package is a great advantage on the part of the readers since they can get all the necessary information they need in a bundle. This eliminates buying a lot of books on credit repairs separately and having to read all of them, which is sometimes energy-draining and lots of money….This bundle includes:Basics of credit repairSecrets Strategies by Credit Attorneys to Fix your Bad DebtThe 6 simple steps to fix and increase your credit score will help you buy anything you want How to STOP LIVING FROM PAYCHECK TO PAYCHECK and have a worry-free wealthy lifestyleHow to draftan EFFECTIVE DISPUTE LETTER WITHOUT BEING A CREDIT ATTORNEY And so much more!Surely you've heard that to improve your credit and access to low-interest loans you have to spend a lot of money on lawyers and agencies - NOTHING MORE FALSE! Just follow a quick and easy step-by-step system with the help of letter templates that you can fill out yourself in just 5 minutes.What are you waiting for?...Order Your Copy NOW and Secure Your Financial Future! Read more

“They’re still trying to hide the weenie,” thought Sherron Watkins as she read a newspaper clipping about Enron two weeks before Christmas, 2001. . . It quoted [CFO] Jeff McMahon addressing the company’s creditors and cautioning them against a rash judgment. “Don’t assume that there is a smoking gun.”Sherron knew Enron well enough to know that the company was in extreme spin mode…Power Failure is the electrifying behind-the-scenes story of the collapse of Enron, the high-flying gas and energy company touted as the poster child of the New Economy that, in its hubris, had aspired to be “The World’s Leading Company,” and had briefly been the seventh largest corporation in America.Written by prizewinning journalist Mimi Swartz, and substantially based on the never-before-published revelations of former Enron vice-president Sherron Watkins, as well as hundreds of other interviews, Power Failure shows the human face beyond the greed, arrogance, and raw ambition that fueled the company’s meteoric rise in the late 1990s. At the dawn of the new century, Ken Lay’s and Jeff Skilling's faces graced the covers of business magazines, and Enron’s money oiled the political machinery behind George W. Bush’s election campaign. But as Wall Street analysts sang Enron’s praises, and its stock spiraled dizzyingly into the stratosphere, the company’s leaders were madly scrambling to manufacture illusory profits, hide its ballooning debt, and bully Wall Street into buying its fictional accounting and off-balance-sheet investment vehicles. The story of Enron’s fall is a morality tale writ large, performed on a stage with an unforgettable array of props and side plots, from parking lots overflowing with Boxsters and BMWs to hot-house office affairs and executive tantrums. Among the cast of characters Mimi Swartz and Sherron Watkins observe with shrewd Texas eyes and an insider’s perspective are: CEO Ken Lay, Enron’s “outside face,” who was more interested in playing diplomat and paving the road to a political career than in managing Enron’s high-testosterone, anything-goes culture; Jeff Skilling, the mastermind behind Enron’s mercenary trading culture, who transformed himself from a nerdy executive into the personification of millennial cool; Rebecca Mark, the savvy and seductive head of Enron’s international division, who was Skilling’s sole rival to take over the company; and Andy Fastow, whose childish pranks early in his career gave way to something far more destructive. Desperate to be a player in Enron’s deal-making, trader-oriented culture, Fastow transformed Enron’s finance department into a “profit center,” creating a honeycomb of financial entities to bolster Enron’s “profits,” while diverting tens of millions of dollars into his own pocketsAn unprecedented chronicle of Enron’s shocking collapse, Power Failure should take its place alongside the classics of previous decades – Barbarians at the Gate and Liar’s Poker – as one of the cautionary tales of our times. Read more

This book is a description of how it feels to go through the process of Chapter 13 bankruptcy. It is a self-help book meant to give hope and comfort to those who are considering it. Read more

Named one of the Best Summer Books in Economics by the Financial TimesA groundbreaking look at the hidden role of bankruptcy in perpetuating inequality in America“Unjust Debts throws open the doors and windows to the bankruptcy system so readers can see for themselves how this law works and doesn’t work for the real people it so profoundly affects.” —Beth Macy, New York Times bestselling author of Dopesick and Raising LazarusBankruptcy is the busiest federal court in America. In theory, bankruptcy in America exists to cancel or restructure debts for people and companies that have way too many—a safety valve designed to provide a mechanism for restarting lives and businesses when things go wrong financially.In this brilliant and paradigm-shifting book, legal scholar Melissa B. Jacoby shows how bankruptcy has also become an escape hatch for powerful individuals, corporations, and governments, contributing in unseen and poorly understood ways to race, gender, and class inequality in America. When cities go bankrupt, for example, police unions enjoy added leverage while police brutality victims are denied a seat at the negotiating table; the system is more forgiving of civil rights abuses than of the parking tickets disproportionately distributed in African American neighborhoods. Across a broad range of crucial issues, Unjust Debts reveals the hidden mechanisms by which bankruptcy impacts everything from sexual harassment to health care, police violence to employment discrimination, and the opioid crisis to gun violence.In the tradition of Matthew Desmond’s groundbreaking Evicted, Unjust Debts is a riveting and original work of accessible scholarship with huge implications for ordinary people and will set the terms of debate for this vital subject. Read more

What would it be like if you could free yourself from unmanageable debt? How much better would your life be if you could restore your financial health? Bankruptcy offers a fresh start. You can get your life back. Everyone wants to pay their debts, not everyone can. Debts that once were manageable may not be manageable now.Fresh Start is a self-help book for people considering bankruptcy. It gives you the information you need to make the decision that is right for you and your family. In Fresh Start, you will discover:• How bankruptcy can eliminate all or most of your unsecured debts, like credit card and medical bills.• How to determine if you need to file and whether an alternative to bankruptcy might be better for you.• The mistaken beliefs that keep you from considering bankruptcy, like fear of losing your house or car.• The harmful mindsets that keep you from pursuing bankruptcy, such as "Getting out of debt through bankruptcy is immoral," “Bankruptcy is for losers,” and "Filing bankruptcy will make things even worse,” and how to overcome them.• An easy-to-follow guide showing how to determine if you qualify for bankruptcy.• What steps are involved in the bankruptcy process and how long it will take.• When you will have access to credit again. It is much sooner than you think!• The 6 things you must never do before filing bankruptcy.• Other specialized knowledge known only to experienced bankruptcy professionals.• Most importantly, that bankruptcy is faster, easier and better than you think. Read more

Through its previous seven editions, Examples & Explanations: Bankruptcy and Debtor/Creditor has been popular with students and practitioners for its extraordinarily lucid explanations of complex concepts. In this eighth edition, the coauthors, Brian Blum and Samir Parikh, combine their expertise to enhance the book’s treatment of all salient areas of bankruptcy and debtor-creditor law. Although there are many changes in the eighth edition, it maintains the format and approach of previous editions. The textual discussion of the principles, goals, policies, and legal rules of Bankruptcy and Debtor-Creditor law is clear and accessible. The Examples & Explanations pedagogy gives the reader practice interpreting the Bankruptcy Code and applying the rules and principles to factual situations.  This book will help law students master fundamental federal bankruptcy and state debtor-creditor concepts and rules, which will help them succeed in upper-level bankruptcy/debtor-creditor courses; and it will also give them a leg up when they encounter bankruptcy in other areas, such as family law, taxation, real estate, business organizations, secured transactions, torts, and others.  New to the 8th Edition:   New problems addressing current bankruptcy issues, including mass tort bankruptcies like Purdue Pharma and Boy Scouts of America.    New cases throughout and discussion of recent developments in the law, including unique insights into 363 assets sales, fraudulent transfer law, 524(g), small business bankruptcy under Subchapter V, and dischargeability of student loan debt.     New overview sections in each chapter, designed to provide a summary of the Bankruptcy Code sections covered.  Rewriting of text to enhance clarity, add hypotheticals, and integrate the discussion of new topics.  Professors and students will benefit from:  Examples & Explanations are designed to highlight fundamental issues covered in the textual part of the chapter and to allow students to self-test on topics discussed in the text. The Examples set out a factual scenarios which are resolved in the Explanation, with reference back to the textual material.  Topics have been arranged within each chapter to allow students to see the interactions between different Code sections, and to move from basic to more complex topics.  Each chapter contains cross references to material in other chapters to enable students to link themes in various chapters and to see how the topics fit together to form a comprehensive system.  The text is clearly written to be accessible to students, and covers rules and concepts in the depth and breadth that is likely to be required of students in the bankruptcy/debtor-creditor course.  One-of-a-kind flowcharts and diagrams aid in understanding by the visual representation of concepts, processes, and relationships.  The extensive glossary at the end of the book gives students a ready explanation of the meaning of the many terms of art that they may encounter in this area, both in the book and in other materials.  Read more

The Second Edition of Questions & Answers: Bankruptcy builds on the excellence, scope, and usability of the First Edition. The book contains 398 multiple-choice and short-answer questions with clear, detailed answers for each question, along with a two-hour, comprehensive practice exam, also with detailed, step-by-step explanations. The questions and answers cover the major chapters of the Bankruptcy Code (7, 11, 12, and 13) and include expertly designed questions on consumer bankruptcy, corporation liquidation, corporate reorganization, family farms, bankruptcy procedure, and many other issues. Specific coverage includes: the structure of the Code, bankruptcy eligibility, property of the estate and exclusions, the automatic stay, claims resolution and distribution, administrative powers, executory contracts, avoiding powers, preferences and exceptions, strong-arm powers, fraudulent transfers, recovery of avoided transfers, discharge and dischargeability, exemptions, means-testing, redemption, reaffirmation, reorganization plans in both chapter 11 and chapter 13, plan confirmation, advanced issues in chapter 11, non-discrimination, lien avoidance, and revocation of plan confirmation. A robust mix of both practical and policy-oriented questions, the second edition of Questions & Answers: Bankruptcy is completely updated to incorporate the latest revisions to the Bankruptcy Code and Rules, as well as recent case law developments. The book is an ideal study aid for students taking introductory and advanced bankruptcy courses, and is perfect for practitioners seeking bankruptcy certification. Read more

It has been the public's perception that Madoff investors were all extremely wealthy and all belonged to exclusive clubs. This perception has been reinforced by the media and the powers that be. The truth is, with very few exceptions, such as Steven Spielberg, Jeffrey Picower and Stanley Chais-most were average, small time investors. They did not belong to exclusive private clubs or any other fancy clubs. They lived an average American life; they worked hard, contributed to society and saved for their retirement years. But in the end that was not enough. No one, it turns out, could protect them from the worst financial criminal in history, Bernard L. Madoff. As a result, they were all thrown tragically into one club none of them ever expected to join: the "club" of victims. This is their story. It is the first book of its kind about the Madoff Ponzi scheme, in which twenty nine Madoff investors band together to tell their story without an intermediary, directly to the public and in their own words. Baring private details and exposing the truth about who the real victims are, they don't hold back as to who really enabled the scheme to continue for forty years. The readers need to know what the authorities would rather keep from them, or else they are destined to become the next victims. The book's message is: this can happen to anyone. The authors are men and women just like the average reader. They come from all walks of life - blue collar, white collar- from all parts of the country and at different life stages. These are working class families, ex-multi millionaires, professionals, artists and retirees. They come from Florida, Minnesota, Vermont, New York, New Jersey, California, Pennsylvania, Texas and other states. They come from different ethnic and religious backgrounds. In short they are regular people, Americans who got sucked into a Ponzi scheme that even the federal government has yet to solve. They all have one thing in common: they were robbed of their life savings by the worst financial criminal in history,Bernard L. Madoff. It is time the public learns the truth. This is a story of financial devastation, of lessons learned, of hope and rebirth. It has been more than a year since the fraud came to light and the survivors are now ready to share their experience and the hard learned lessons with the public. Though the financial disaster caused major transformations in their lives, transformations which are still ongoing, their spirit has not been broken. As one of the authors in this book summed up eloquently, "There will always be meaningful work to be done, more fun to be had and lots more people to love". And in the end, it is the message of hope the authors wish to convey. Read more

Unlock Your Path to Financial Freedom: Navigate Bankruptcy with Confidence and Save Thousands!Are you overwhelmed by debt and considering bankruptcy, but hesitant about the costs of hiring a lawyer? The 2025 DIY Bankruptcy Guide: A Step-by-Step System to File Without a Lawyer and Save Thousands is your essential roadmap to navigating the bankruptcy process independently, empowering you to reclaim your financial future.This comprehensive guide simplifies the complex world of bankruptcy, transforming it into a manageable journey from financial distress to recovery. Whether you're dealing with the intricacies of the means test, understanding exemptions in bankruptcy, or preparing a bankruptcy petition, this book offers clear, actionable steps tailored for individuals seeking debt relief without legal representation.Here's what you'll discover inside:A Fresh Start with Bankruptcy: Learn how bankruptcy can be a powerful tool for financial recovery, offering a new lease on life.Decoding the Bankruptcy Process: Grasp essential concepts like the automatic stay, types of bankruptcy, and navigating the bankruptcy means test with ease.Filing Without a Lawyer: Master the art of preparing and filing your bankruptcy petition alone, saving thousands in legal fees while maintaining control over your financial decisions.Exemptions & Asset Protection: Discover strategies to maximize bankruptcy property exemptions, ensuring your essential assets are safeguarded.Effective Creditor Communication: Develop skills for communicating with creditors and managing secured vs unsecured debts, crucial for a smooth bankruptcy experience.Post-Bankruptcy Recovery: Equip yourself with tools for rebuilding credit after bankruptcy and creating a sustainable financial plan. Gain insights into credit rebuilding and financial planning to secure your financial future.Why This Book is Invaluable:Step-by-Step Guidance: Each chapter provides a detailed walkthrough, from preparing your comprehensive asset inventory to trustee meeting preparation, ensuring you're never lost in the process.Customer-Focused Solutions: Tailored advice for joint bankruptcy filings, addressing tax debts in bankruptcy, and even bankruptcy for small business owners.Resource-Rich Content: Access free templates, legal resources for bankruptcy, and online support communities, providing ongoing support as you navigate your journey.With its supportive and encouraging tone, this guide not only demystifies the bankruptcy process but also instills confidence, empowering you to face financial challenges head-on. Whether you're undecided about debt solutions or ready to file, this book is your trusted companion.Take Control of Your Financial Destiny! Don't let the fear of the unknown hold you back. Equip yourself with the knowledge and tools to file bankruptcy without a lawyer. Embrace the opportunity for a fresh start and financial freedom.Invest in your future today—grab your copy of The 2025 DIY Bankruptcy Guide and start your journey towards financial stability with confidence and assurance! Read more

The digitized economy makes many money launderers able to execute their criminal schemes successfully. In many cases, the current AML regulations are no longer effective or adequate to prevent or stop most money launderers. Hence the need to deconstruct and reconstruct the current AML regulations. A key element of the reconstructed AML regulations has to be promoting the active involvement of financial institutions as partners. AML compliance should go beyond meeting the minimum requirements to escape being penalized for non-compliance, but more sustainably nurturing a system that makes the concerned organizations see themselves as partners of the state, and the international agencies fighting financial crimes. Read more

Bankruptcy is a complicated subject that covers a lot of ground. Bankruptcy lawyers can be found on Main Street and Wall Street. This efficient and effective guide to Bankruptcy will help you see the big picture. The authors focus on explaining the key concepts or building blocks that apply in any type of bankruptcy case, and then help you see those concepts in action in cases under the different chapters of the Bankruptcy Code, in proceedings ranging from individual consumer debtors in Chapter 7 or 13 to Fortune 500 Corporations in Chapter 11. To make the learning process more bearable, the authors have also infused the book with humor. Each of the authors is nationally-renowned law teacher who has practiced and taught Bankruptcy for many years. One of them is even a former bankruptcy judge. Based on that experience, in this book they have set forth understandable techniques for mastering the law governing bankruptcy law, procedure, and real-world practice (in an exceedingly attractive manner). Read more

Lawyers and Judges: American Trojan Horses By Rodney StichThis book goes into the widespread culture in the legal and judicial fraternities and the human tragedies resulting from this widespread misconduct.This book is the story of corruption in the top layers of the three branches of the federal government and the 50 years of resulting consequences. It is written by a former government agent with the input from several dozen former professions in the covert and law enforcement operations, and other insiders. The material is accurate and very serious. His credibility can be seen at www.defraudingamerica.com/stich_credibility and in a Google search for Rodney Stich. The book contents include:•Starts with tort terrorism against people and corporations solely to enrich lawyers and law firms.•Involvement of lawyers in the Federal Aviation Administration engaging in corrupt cover-ups to protect high-level FAA personnel whose misconduct continued unsafe, corrupt, and even criminal conduct in effect, despite their involvement in a serious of prior forewarned and preventable aviation disasters.•Catastrophic consequences of this legal corruption.•Widespread obstruction of justice by federal judges as they block a former federal agent reporting federal crimes involving high-level personnel and a series of aviation disasters, which were being reported under the federal crime reporting statute and which federal judges must receive.•Series of federal judges issuing series of unlawful and unconstitutional orders forever barring that former federal agent access to federal court that prevented him from circumventing the systemic cover-ups that protected the perpetrators and the continuation of the corrupt and criminal activities—and the ripple effects of such misconduct.•Federal district and appellate judges—and federal prosecutors—repeatedly charging the former federal agent with criminal contempt of court for attempting to report a series of criminal activities, as required by the federal crime reporting statute, that he and his coalition of other former government agents had discovered and attempted to report to a federal judge as required to be reported—and received—by federal judges. •Sentencing the 68-year-old former federal agent to federal prison for six months for attempting to make those reports that were required to be made under the federal crime reporting statute, and the right of a citizen to make. •The corruption that Stich attempted to report had already been responsible for great harm in the past, and included the culture of corruption that played enabling roles in the easy hijackings of four airliners on September 11, 2001.•The sham legal actions from 1982 through 2005 by a hoard of lawyers and law firms, some with ties to the CIA and FBI, that acted to block the reporting of the deadly corruption that the coalition of former government agents and other insiders had discovered over the years during their professional and government duties.•Complicity of Supreme Court Justices from 1980 to 2005, as they repeatedly covered up for the criminal activities reported to them, including, the obstruction of justice and retaliation against a former government agent to cover up for federal offenses.•Blowback consequences on 9/11 that will never be revealed to the people through a combination of Department of Justice personnel, members of Congress, media personnel, and others. •Tort Terrorism.•Deadly Culture in Government Aviation Safety Offices.•Continuing Cover-Ups: National Tradition.•Imposters Seeking to Halt Exposure Activities.•Reporting Federal Crimes to Federal Judges.•Fighting Aviation Safety Corruption as Private Citizen.•Scheme by CIA-Front Law Firm to Block Reports.•Extension of Scheme to Federal Courts.•Report Criminal Activities: Go to Prison.•Seeking Civil Rights Relief in Chapter 11 Courts.•Suing Federal Judges and Accomplices.•Complicity of S Read more

Fix your credit and take control of your financial life!Do you need to repair your credit or increase your credit score?Do you want to eliminate debt and build credit?Have you applied for a loan and been denied due to your credit?Do you want to know how to read your credit report and understand why you were denied?Do you want to fix your credit?If you answered yes to any of the above questions or if you simply wish to improve your credit score and credit rating, then this book is for you!DIY Credit Repair: Beginners' Guide to Credit Repair is an easy to read and follow guide for individuals wishing to:repair credit;increase credit score;improve credit rating;understand credit reports;understand credit utilization ratio; andimprove budgeting skills.In addition, you will find tips and suggestions for each section as well as examples for easier understanding of this otherwise complicated topic.DIY Credit Repair: Beginners' Guide to Credit Repair is written and based on personal experience.Proven to have been successful for the author, the information included has been used and applied to not only rebuild and repair credit, but also increase credit rating while sending the credit score shooting for the stars!A healthy credit score and credit utilization ratio are important for obtaining car loans, mortgages and lines of credit. These two components can make an impact on whether or not you qualify for the purchase you want to make. Overall, the better your credit and payment history, the better chances you have of being approved - and often at lower interest rates.Although services can be used for achieving some credit goals, when you do it yourself (DIY), you not only learn the process, but also gain better financial discipline while teaching yourself how to preserve your credit and make better purchasing decisions.When you fix your credit yourself, you will inherit the power to maintain your credit with a full understanding of how and when to use it, as well as when not to. Understanding the ins and outs of your personal credit now, can save you grief and frustration further down the road.All of this adds up to better chances of a more stable, sound financial situation that assists in lowering stress and improving life on a daily basis!Get excited about where you can take this and get started today!A bit about the author...Kendyl Jameson writes from her own personal experiences.Having lived the truth of financial duress by carrying a negative balance in her checkbook, watching her credit score plummet and losing everything she owned, she rose to the challenge and learned how to fix her credit the solid way to rebuild her life.Having been where so many individuals have recently found themselves, she was asked to put her experiences in writing to help others find their way. Read more

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This time it is different and it is not your fault!This Blueprint was written simply because there are far too many investors, owners, and managers struggling for solutions in very difficult real estate situations. The challenges are everywhere yet resources for borrowers and those with a vested interest in real estate are extremely limited. The clear lack of resources makes a complex situation even more INTIMIDATING. Having spent 30+ years as an executive in the business of distressed commercial real estate, equity, and debt I have learned a few things along the way. It has taken me years to define the winning formula and I felt deeply compelled to bring this summary to market now as this time it is not your fault! In our post-pandemic-stricken world, many investors, owners, and managers have found themselves in default or imminent default struggling for answers.Forbearance agreements are maturing and lenders are pressing borrowers for answers; without the formula contained here, answers will remain elusive for most. Despite the Federal Reserve pumping trillions of dollars into our economy, many commercial real estate owners are still struggling to find solutions and face FORECLOSURE. If you are one of the unfortunate many to be holding the wrong property or in the wrong location you are struggling and might be ready to hand over the keys to your lender… DON’T!!This time it is different. You should not be forced to suffer the devastation of the loss of your property, which for many is a significant part of their wealth. As opposed to historical downturns, this time: YOU did not overbuild. YOU did not "overlend." YOU did not overspend. Life and the economy were great and then…In this book, you will learn the 3 most important components of any loan workout: the 3 Critical P’s. Miss one and severely limit your chances of successful execution. Nail them all and you will massively enhance your opportunity. What are the 3 Ps? Prepare a simple yet comprehensive business plan.Project future cash flowsPrepare a Lender ProposalThis Blueprint is an intro to the practice and principles of a lender. As such, a reader interested in investing in distressed real estate may well benefit. Why? Distressed real estate is largely controlled by the lender. Ultimately the lender controls the purse strings and greatly influences the process of acquiring distressed real estate. What People Say About Steven:Steven’s extraordinary skillset and leadership were the single reason we were able to execute a discounted payoff on our property, retain our commercial real estate and live to fight another day. His experience as both a bank executive and investor are a god send for anyone fortunate enough to find time on his busy schedule.Mike PottsSteven and his team literally saved us from the loss of our property to foreclosure. The bonds that financed our property were matured, the property was in foreclosure, the value of the real estate was far less than what was owed, and we had all but given up hope. Within 60 days he had negotiated a discounted pay off and placed a new, far better loan for us. I cannot recommend him enough! Dave TroutI worked with Steve at various times throughout the years and he has never failed to impress me with his ability to accomplish what we thought was virtually impossible. He brings an unparalleled knowledge of real estate, asset restructuring and loan workouts.Christopher Kavanagh Read more

How To Repair and Improve Your Credit Report Quickly and Protect Yourself From Collectors, Creditors and Banks!Do you want to be financially stable and have a good line of credit?Do you want to take a loan but your credit report sucks and you’re not sure how to fix it?READ ON! THIS BOOK EXPLAINS IN DETAIL HOW TO RESTORE YOUR CREDIT REPORT USING FEDERAL LAWS DESIGNED TO PROTECT YOU!If you have a bad credit report - there’s no way around it, it will have to be fixed. Bad credit can slow down your earnings and leave you counting every cent. And forget about taking out good loans or any loans at all! However, your dreams don’t have to suffer, even if your credit is bad at the moment. Some people hire professional companies to restore their credit reports, but many more are turning towards DIY methods. If you decide to fix your credit by yourself (saving a lot of money in the process), you will need a good and thought guide. Restoring credit entails knowledge of several consumer laws and policies, but with a simple and detailed guide such as this one, you’ll be well on your wat to healthy credit!This book will teach you: What is credit repair exactlyPros and cons of hiring a specialistWhat is FICO score and why it mattersHow to avoid credit repair scamsCredit repair after foreclosureHow to choose the best path for youAND SO MUCH MORE!Even if you’re feeling a bit hopeless about your credit report right now, there’s no need to worry. Everything is fixable. Whether you choose to hire a company or do the fixing yourself, it’s a great idea to become familiar with the world of credit repair first. This book will provide an in-depth guide to credit repair, helping you to avoid mistakes and scams. You will learn exactly where you stand and what you need to get done to fix your credit!Ready for a bright financial future? Scroll up, Click on ‘Buy Now with 1-Click’, and Get Your Copy! Read more

When it comes to chapter 11 bankruptcy cases, most practitioners envision insolvent business entities. But this is not always the case. Individual Chapter 11 explains why, while most individual debtors who restructure their debts file for bankruptcy under chapter 13, certain debtors possess characteristics that make chapter 11 a more attractive option. Individual chapter 11 debtors are much more likely to operate a business, for instance, and they have dramatically higher debt-to-income ratios than other consumer debtors. Understanding these circumstances, and guiding individual debtors to the right proceeding for their situation, are vital for any consumer practitioner, making Individual Chapter 11 an invaluable resource. Read more