The advent of technology has brought convenience in the field of finance, through credit cards. Along with this development has come brilliant ways in which to steal from credit card holders, by stealing their identities. Id Theft cases abound, and various methods of ID theft prevention has been conceived. Identity theft (or ID theft) refers to a crime where personal data is stolen, and used for someone’s own benefit. These pieces of information include the Social Security number, credit card number, bank account details, email password and other private details.

You are a victim of ID theft when your billing contains products that were never purchased; if some debt you are not aware of, has been incurred or if you had lost entire savings in your bank account, this website can show you how to undo the effects of ID theft. Thankfully, there are several ways one can secure protection from identity theft.

First, ensure that your passwords cannot be cracked, by combining letters, numbers and special characters. Avoid using anything that pertains to your personal information, such as your mother’s maiden name or your birth date. Do not attempt to use the same password for several accounts or an ID thief can easily hack your ATM card, credit card, medical benefits and email account(s).

Second, get rid off all checks, credit card or bank statements and other written material that bear your personal information, by shredding them first before disposal. This will keep thieves from going through your dumpster and collecting your private information. The importance of proper disposal of one’s printed sensitive data, has become such a popular concern that in Cambridge, Massachusetts, a “Shred Day” was organized in August, to encourage people to tear and dispose of their documents, securely.

Third, do not be deceived by companies that ask for your personal information, so that you may qualify for their product or service. All legitimate companies are aware that personal details must be kept in private and that they have no right to access any of them without one’s consent; if a debt collector attempts to do this, go to to learn more about your consumer rights.

Fourth, be careful with what you share on social media to reduce your risk of ID theft. In an identity theft monitoring survey in 2012, by an independent research firm in New York, it was found out that those who are careless with sharing their personal information online are more prone to have their ID stolen.

Fifth, when shopping online, only carry out transactions on encrypted websites, to shield your financial information from hackers, when placing orders online. Through encryption, all data on the website are converted to information that cannot be understood by unauthorized persons.

Sixth, always review your bank accounts, credit report (and other account statements), to monitor if there are dubious transactions involved. Should there be any wrong information, report it right away – to avoid potential problems. You have the right to request a credit bureau investigation, to check the accuracy of your information – learn more about your consumer rights at this website. With this, you detect identity theft by monitoring your credit report and by being aware if someone else is using your account under your name.

Seventh, when traveling, request a family member (or a close friend) to receive your mail from the post office, while you are away from home. If they are not available, ask the post office to hold all your mails until you return. If you’re planning to move to a new address, have all your records updated so that when companies send vital information, they can direct their mails to your new location.

The main goal of protecting yourself from ID theft is to secure your personal details as strongly as possible. By following these tips, you can be assured that no imposter can gain access to your sensitive information, in any way possible.

One measure of ID theft prevention that can be taken, is renewing ID protection alerts, and even make them permanent; this is made possible by companies like Life Lock, to ensure id theft protection and much more. Some of these companies offer assistance even to those who are already identity theft victims, by providing them with lawyers, accountants or any other professionals necessary, to resolve the victims problem.

You may decide not to avail yourself to the services offered by these companies, but it may be too risky to forego this decision. Resolving ID theft is very expensive and takes a very long time – so you cannot afford to expose yourself to hi-tech theft. See to it that your busy life leave your personal information well protected.

Id theft protection is a must, in order to retain your hard earned money. It is, therefore, wise to make it a part of your budget to use the services of a company that ensures id theft protection. It cannot hurt to spend a little to prevent an onslaught of untold expenses, involving the recovery of everything you worked hard for. Indeed, one is well-advised to consider id theft protection.

Do you have any idea what will happen regarding your debts, when you’ll eventually die? No one has a definite answer. Mostly, people would conclude that it would die along with you. However, in some instances, there’s a possibility that you heirs would be the ones to inherit your debt(s).

Those debts, like credit cards, which are only owned by a single person, will become null and void, in the event that that a certain person dies. So if you are wrongfully burdened with someone else’s debt (who is deceased), you have the option to get a transunion online dispute, and use the federal law to improve your credit.

Debts Do Die with You?

Generally, a debt that only belongs to one person, such as a credit card, becomes null and void when that person dies. Many credit card companies forget their debt, since they cannot force any more survivors and heirs to pay for it. It all applies to most consumer loans, which includes car loans. However, there are some exceptions.

Creditors have the ability to gather debt from every estate, though there are limits. A certain federal law, which is called the Credit Card Act of 2009, allow different companies to collect unpaid balances from estates, however, they are barred from charging the estate extra fees, right after death. It only collects on a portion of the estate, not all of it; your heirs are the one to hold liability, for whatever the estate fails to cover.

Debt laws after one’s death, are basically defined on the state level. That is why there’s no explanation beyond the state level, when it comes to the debt of the deeased. Most notably, if a family member has cosigned with someone on a certain loan, the surviving member would become the one to take charge of the loan. Through cosigning, the two parties involved do have full range of responsibility. However, when one of the parties has physically departed, and, consequently, cannot follow through on their responsibility, by law, the other party wholly assumes the burden of the debt obligation. In the event that you are NOT legally bound to a contract that was agreed to by a deceased family member, you may have the right to request an equifax online dispute, to dispute any debt obligations it may force upon you.

The Process of Probate

The probate process is defined through the power of state laws, it still varies differently from region to region. There are a few commonalities that still exists among these laws. These commonalties include the specific order in which your estate is being paid out; this process is responsible for settling the estate in an organized fashion – right down to funeral costs.

What if the deceased has little to no money left to pay his debts?

During this case, the state will managed payments for outstanding debts on a set order, prior to giving anyone (heirs or beneficiaries) whatever is indicated in the will of the deceased.

If you owned a home (jointly) and you don’t have enough to pay every debt of your deceased partner, it is more likely your house will be sold; preventing this outcome heavily relies on whatever contractual arrangements that were set for the property, beforehand.

When you talk about tenants in common, it simply states that each party has their own share in the property. The share that is owned by the person who passed away, will be owned by their state and anyone who will be mentioned in the will. But prior to that, if there’s still debt, that debt will be paid, first; if some of these debts are erroneous, you can request an experian online dispute or negotiate with creditors.

On the other hand, if you are a joint tenant, you own the entire property, altogether. Therefore, when your partner died, his share will be given to you automatically.

However, if it is already yours, outstanding debts should be taken care of, immediately. Creditors have all the right to apply for the so-called ‘Insolvency Administration Order’, in five years after the death. By doing so, the property will be divided into two, and may result in a forced sale. So, it is much better if you go and try to structure an agreement with the deceased creditors.

How the different debts are paid off?

Bank account

If the bank account is under the name of the deceased, then no one will touch it. Not until the estate figure out the payment arragements to creditors. However, if you have a joint bank account, you can still use it, for usual matters.

Credit cards, personal loans and credit debts

Repaying these debts should wait until everything else is settled. If the cards are being held jointly, then the debts will be (partly) serviced by the remaining joint holder. However, it is important that you check first if you are still covered by a specific payment protection plan.


When life insurance is being required by your mortgage lender, this can help in paying off the whole amount of the loan. But if there is no such insurance or in some instances, there is a secondary mortgage that is not covered by insurance, be prepared. Your property can be sold at anytime!

You may not want your marriage to end, but there are things in life that you must detach from, in order to move on with your life. You may have finally put an end to your marriage, but putting an end to the debts that you have, can be harder to eliminate. Paying for debts is a lot less effortless, than when you are with your better half. Things are a bit heavy and difficult as a single person, again. Another thing that makes one’s financial burden heavier, is that you are still bound to each other, when it comes to paying all your debts; this means that you are not only tasked with finding a solution for your heart, but for your credit, as well. Circumstances such as this is what lead many to opt for credit repair after divorce.

Repairing credit and your heart

Credit repair after divorce is another process that reminds you that your marriage is over, but not your debts. If creditors will have to collect the debts, they will still hold both of you accountable for paying them; creditors are allowed to do this, in most legal realms, and are afforded the right to take legal actions, if the separated couple fails to pay their debts. As you are no longer together, there is a tendency for late payments. So, if former spouses are still in communications with each other, they may discuss late payments and other issues, when devising their debt payment strategy for negative credit report items, like transworld systems complaints. This site can further explain how to protect yourself, financially.

You know how creditors are strict, regarding debt payments – so, you should expect that it is either you who will be called (and be reminded about the late payments); or you will see negative items on your credit reports. The second outcome is much more of a headache, as it is uncommon to recover from both divorce & then meeting the demands debt issues. Another thing to consider is, what if the other party has made just a few payments, then (unbeknownst to your) declare bankruptcy? You already know that it means that the creditors will seek payment from the other party – and that other party is YOU! With this mind, you may really need credit repair (to avoid these circumstances) after divorce; credit blemishes, like westlake financial services complaints, can remain on your credit report for a long time, if they are not taken care of, quickly.

Why should I maintain a good credit history?

No doubt, you are well aware of the importance of having good credit. So, you may have already thought of the standard answer, in addressing this question. If you have built a nice credit score, then you are already taking a good step to rebuild your life from divorce. Things will be a lot easier, like the prospect of financing a new house or car. Aside from that, it gives you a greater advantage in applying for loans; credit scores are what’s being highly used, and can give you a favorable edge in your job application, insurance quotes – and even the processing for your rental applications.

To sum it up for credit repair after divorce, a good credit score makes things easier in your life. So, other than ignoring the outstanding debt that you have together with your previous husband or wife, you need to have it settled before it dramatically reduces your financial options.

How can you repair your credit?

Did you know that divorce was included on the top five lists of credit killers? This means you are not alone in this problem. In any problem, there is a solution, so breeze through the following tips that will help you repair your credit and your heart:

  • Earn for a living and budgeting – you can only repair credit (after divorce) if you will be able to have a job with a stable income. If you are living with your children, then you should have more income to tend to their needs. It doesn’t matter on how much you are receiving from your job, as long you know the effective ways for budgeting. If your income is not able to provide for your needs and your bills, then try to consider options like having another job. It will also help to read up on personal finance or debt management.
  • Check both credit score and report – this will help you to see your credit standing and by then improve it. You can do it by learning things about this two concept and the things that affect it. This is already the best thing to do for credit repair after divorce.
  • Continue to make payments on joint debts – this is (still) both of your responsibility. If your ex-spouse’s name appeared on the debt, then it is the ex spouse’s full responsibility. If it is your name, then you will pay it.
  • Solve any bill issues that you cannot pay – if you are having a hard time in credit repair after divorce, then it is high time for you to call for expert help, like consumer credit counseling to remove something like green tree servicing reviews off your credit report, ensuring that you will meet the goal of improving your credit.

Aside from all of these tips, you might want to go back to using your maiden name, if you are going to have a new credit card. If you are able to reclaim it, you also have greater opportunities; this option may help give you a dramatic credit makeover, after a divorce.

There are many types of mortgage fraud. Notwithstanding, the types of fraud are crafted into two broad categories: mortgage fraud for property and mortgage fraud in terms of profit. Mortgage fraud for property, has in it, seven forms in which mortgage fraud exists. One of the 7 forms of mortgage fraud , is asset fraud. Asset fraud occurs when board of trustees, managers and employees of an organization take it upon themselves to steal from the same organization. Asset fraud is also known as asset misappropriation or also insider fraud. Whenever you become aware that this brand of fraud is being committed in your organization, take it upon yourself to notify the police. If you are a victim of asset fraud or mistakes from debt collectors, like Stellar Recovery Inc , and they are contacting you over a debt you were not privy to – learn your consumer rights to protect yourself.

The next fraud falling under the mortgage fraud for property category, is occupational fraud. This type of mortgage fraud is committed when an employee abuses (or rather uses) his position to embezzle from the organization’s assets and proceeds. This type of mortgage fraud can be committed by a manager, an employee and by a statutory representative of the organization. Under occupational fraud, is bribery and corruption of workers, misappropriation of money, unlawful expenses and unrecorded sales – along with fraud on the organization’s financial reserves.

Employment fraud is the third form of mortgage fraud for property. This kind of fraud occurs when the organization’s workers and employees are given false information on how their salaries shall be increased; additionally, employment fraud results in cases where a person seeks employment, and such empty promises are made to him/her. Employment fraud happens when activities involving misrepresentation of income to lenders by claiming to be a big manager in an unknown organization; such unlawful tactics has all kinds of unforeseeable consequences, thus, if allied interstate services (or other debt collectors) contact you – make it a point to seek legal counsel.

Income fraud is yet another form of mortgage fraud for property. Mortgage on houses are given according to how much a person is able to pay back for its repayment. The only way a bank can become aware of how much you are able to financially secure, is by ascertaining how much salary you are able to attain (after expenses), to make monthly mortgage payments. Those people who want to secure higher loans than their salary, can knowingly lie about their income; they do so by misrepresenting their income to their mortgage broker – using falsified pay slips to get an inflated mortgage.

Yet another type of mortgage fraud for property is debt elimination fraud. This brand of fraud has been a growing trend, nowadays, over the internet. They are generally illegal schemes who purport to end people’s misery, by paying off their debts. These schemes are designed to attract people whose only requirement is to pay a small portion of the debt they wish to borrow – leaving the rest of the debt to be resettled. What people do not realize is that no matter how small the percentage may seem, adding on massive fees & escalating the percentages, is what makes these con-men millionaires! Predatory lending, such as this, can (geometrically) escalate your debt, and put you at odds with collection agencies – visit to see how you can avoid this situation.

Identity theft occurs when a person, different from you, uses your identification, with no permission from you; such an act can wreak havoc on your credit, solely because that person has direct access to your finances. For victims of this type of mortgage fraud crime, take care to extend fraud alerts on your credit reports. And if necessary, freeze all of your accounts!

A straw buyer is a buyer who buys an item for a buyer who (for one reason or another) cannot complete the transaction for themselves. Nonetheless, it is not against the law to employ the services of a straw buyer, unless the transaction is to defraud or if the act of buying said item, is unlawful.

The second category of mortgage fraud – is fraud for one’s profit, which consist of appraisal fraud. Appraisal fraud happens where the real value of the property is appraised or valued at a figure higher than it really is. More often than not, appraisal fraud is committed by the buyer – who is after big profits.

Fraudulent flipping is another fraud for profit. Property flipping is a well known endeavor in real estate. It connotes buying and re-selling the property within a very short period of time – for massive profits. There is nothing wrong or unlawful about flipping, however, the flip must not involve fraudulent appraisals. For instance, the seller may note that he carried out a lot of renovations on the property, when , in fact, all he really did were some small cosmetic improvements!

So it is in your best interest to stay clear of illegal activity such as mortgage fraud. For it can dramatically derail your financial plans, once it is spotted by the authorities – and can win you a severe jail sentence, for a remarkably long period of time!

wealthy-life-passing-thruGetting rich does not mean you have to be a genius; nor does it depend on luck, as many people put it. Here are some crystal clear tips, that if followed by any person,  will definitely help them become rich. Regardless of your tribe, race, color, creed or gender, you are destined for richness, and it’s up to you to explore your potential. The following are some of the secrets and tips will lead you directly to wealth or riches!

The first secret is time. Time is more valuable than money, hence the need for you to make good use of it. Get to work an hour early and you will be able to do more than you usually do. It is today a clear fact that you cannot just become rich by being positive, visualizing and having good intentions. Once you have a good plan, get out and implement it, rather than waste more time thinking and fantasizing on riches that you really don’t have at the moment.

Reduce all your long-term goals into short term goals. For instance, you need to break your five year goal into some smaller plans of a year, a month and ultimately a day’s plan. Live one day at a time and ensure that you achieve the most that you can achieve in a day. You also need to know that the earlier you start building wealth, the easier it is for you to achieve your goal of becoming wealthy.

The second secret is making more wealth than the average income. You need to explore all the avenues to ensure that you make more money, so you’ll be able to save more. It’s possible that with an average net income of $50,000 you can save and ultimately become wealthy, but it will definitely take you longer time to reach the standards of the others who have strived to earn more than $80,000 per annum.

Try exploring all the avenues possible to get to over $80,000 per year. Getting an income increase is not that easy, but when you finally get to the targeted mark, do not be content. Set for yourself another goal.


It’s always good to be an entrepreneur. Although an entrepreneur is a risk taker, it’s not worth exploring options that will financially cripple you. There are several business options that are viable, and are calculated risks worth taking – provided they yield good profits. Think outside the box and go for plans that are well-researched.

Investing is the best option that we have for becoming rich. This is one of the surest ways of getting your income to get to over $80,000/year. See to it that you set aside of portion of your income, if you wish to invest in the future.

However little the income may be, just save something! Always also remember to start from somewhere. Don’t wait until you have the capital for a mega business before you can go for it. Start with the little capital you have and then expand your business. This enables you to get a higher ROI. In addition, even if you have a very big business of your own, investing in side businesses is a secret to building wealth. These side jobs and businesses are so numerous – ranging from freelancing, chicken rearing and cattle keeping & book selling during free time.

Another way to fast track your way to wealth is by minimizing your debts as much as possible. Even if you are going back & forth with a debt collector’s agent at Cbe Waterloo Iowa, try to resolve or delete your debts as quickly as you can. Dramatically decreasing your expenses & increasing your income will bring you much closer to wealth in a much shorter period of time!

After following all of the above steps (and only spending on what you need & not what you want), you will most likely have some money left. Learn to invest your money carefully, rather than just putting it in the banks where they don’t grow because there’s little to no interests. Stocks and treasury bonds are very much recommended here.

However, you need to tread carefully, since you may end up losing your hard-earned cash, if you don’t do your due diligence. Seek the advice of financial and stock consultants before investing. Although they will charge some fees, it’s worth it, because, in these matters,  a lack of knowledge can be a costly mistake.

Lastly, do not confine your ambitions of expanding your empire – set higher (yet reachable) goals to further your progress.

In the words of Wallace Wattles:”For one to explore their full potential, they require the free use of things. To have the free use of things, one must be rich. And so, as it is Man’s natural desire to evolve & live life to its fullest capacity…it is also Man’s inherent natural right to be rich!”


There are times when there are no financial options left – except to get a loan from someone else. The loans may be required for business management, studies, or for personal reasons. The loans can be of any type, with different terms & different interest rates. Taking loans, regularly, is not a bad habit – but it can bring troubles in future. Oftentimes, people get stuck in a situation where they have many creditors, but they cannot manage to pay back their money. Such situations can affect one’s nerves (badly), and can make the situation worse by leading to a chain-reaction of bad decisions.

Credit counseling can be a great help in such situations. In every financial calamity, it is suggested to go for professional help when you have tried all other options; for people stuck in a  mess of loans and credits, it is very appropriate to avail themselves to these type of financial experts. In credit counseling, you are taught to manage your expenses, maintain or control your budget and make repayment plans accordingly; and most importantly, you’re taught to avoid exposing yourself to financial troubles the second (or third) time around. In this era, it is not easy to make yourself (and your family) financially secure without using some financial tools. The credit counselors are a good guide for this purpose. Learning tactics from financial experts will ensure that you won’t end up dealing with debt collectors, like midland credit management lawsuit.

We cannot count the advantages of credit counseling. It gives you repayment plans, knowledge about debt relief options, the right ways to use your credit cards, what you can & can’t do according to financial situations – the list goes on & on! You also get to learn how to deal with financial stress, as well as manage of your personal finances. The counseling agencies provide customized debt management options to their clients. The most important advantage of getting credit counseling, is that the agencies deal with the people who lent you money; the involvement of a third party gives lenders a favorable impression – showing that the borrower is serious about repayment, and is, thus, using professional guidance to meet this end; this makes the matter easier for the borrowers, as the lenders won’t take legal actions to collect their money, ensuring the borrower that they won’t ruin their credit ratings.

Getting financial experts to speak on your behalf can also save you from yourself: In one case, a debt came close to its expiration date, but when the borrower sent a response letter to the lvnv funding address, the debt’s expiration date re-started – and the borrower had to wait another 7 years for the debt to expire again!

People who need to get loans frequently or regularly know the importance of having a good credit score. If anyone fails to maintain appropriate credit ratings, it would be very difficult to obtain loans in future. If somehow you managed to get loans, you will have to pay at higher rates of interest – due to low credit scores. The credit counselors may help you in negotiations with the creditors, hopefully resulting in easier repayment terms, favorable interest rates or reduction in the principal amount due.

All the above advantages of credit counseling are not enjoyed by every borrower. Sometimes, lenders do not stop to pursue you in getting you to pay them back –  even when you have taken professional help from counseling agencies. The fruits of credit counseling cannot be enjoyed by everyone in every situation. Sometimes, it only adds to the troubles of the borrower by making the situation go from worse to bad. People who are buried deep in financial mess are very difficult to rescue by financial professionals. For such people, bankruptcy would be the better option to cope with the situation. The option of credit counseling is like a last option to many people before opting for bankruptcy. This is their last try to handle the situation, without going for bankruptcy. Usually, what happens when they visit the counseling agency is, they are provided with a repayment program.

The statistics show that only half of the times the repayment plans work out in favor of clients. For people who hardly manage monthly expenses, it is very difficult to stick to such payment plans. If they come to get financial guidance initially, they later would come out with another pile of dues and liabilities. It’s like taking a step forward..after taking three steps back. In the end, they are left with no options except to contact a bankruptcy attorney for help. So many financial experts now suggest contacting a bankruptcy attorney at the initial phase. This helps them take the right decision from the beginning, as the attorney will decide whether to choose credit counseling for coming out of liabilities or bankruptcy.