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By Jim Kemish · Editorial · No Comments
Wealth means security, opportunity, and quality of life. Are you ready to take the first step towards financial freedom? Here are some powerful tips that can get you started today!
Wealth is Power
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By Jim Kemish · Editorial · No Comments
Do you have defaulted student loans? The government has an impressive array of tools for collecting on defaulted student loans. Fortunately, the law also provides you with a way to cure the problem starting right now!
The Time to Act is Now!
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By Jim Kemish · Editorial · No Comments
Have you been contacted by a collector? You are not powerless! You have legal rights under the Fair Debt Collection Practices Act to stop collectors and gain control of the situation.
Your Legal Rights
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By Jim Kemish · Editorial · No Comments
It’s Your Life
Do you take your credit for granted? When is the last time you took a close look at your credit reports? Here is our take on inaccuracy in the credit reporting system and the potential impact it may have on your life.
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By Jerry Hu · Editorial · No Comments
Photographs are still considered with more cautious guard than they may be in whichever first world country you are from. The Chinese do not smile upon you taking unauthorized photos of their children, but if you think about it, how would you feel about a foreigner who doesn’t speak your language taking pictures of your child without permission?
By Jim Kemish · Editorial · No Comments
The credit reporting industry is far from perfect. And yet your entire financial life depends on the content of your credit report. Two-hundred million consumers have credit records with the three major credit bureaus. Over one-hundred and fifty million of these consumers have errors on their reports. The potential impact of these errors is tremendous. Virtually all lenders, from mortgage lenders to auto finance companies will determine your interest rate based on your credit scores. Even minor errors may have a major impact on your credit score; this can translate into higher payments on every dollar that you borrow.
Credit Report Errors
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By Jim Kemish · Editorial · No Comments
Credit repair offers an opportunity to improve your credit scores and save significant dollars each month. The process does not have to be complicated. If you are organized and have an understanding of the basics you can succeed!
It’s Easy!
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By Jim Kemish · Editorial · No Comments
The Letter of the Law The correct way to respond to a collection letter is with a written request for debt validation. This is your right under the Fair Debt Collection Practices Act (FDCPA), and if done in a timely and correct manner can produce fantastic results. Let’s start with the law: FDCPA § 809. Validation of debts [15 USC 1692g (b) “If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.”
Have you received a collection letter? The law provides consumers with a powerful tool for dealing with collectors. Here is our explanation of the power of debt validation and how to use it to your benefit.
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By Jim Kemish · Editorial · No Comments
Good credit has never been so important. The entire credit landscape has changed over the last year. And 2008 brings new and unprecedented challenges. How did this happen? What can you do to adapt and even thrive in this new environment? Here is some insight!
Now is the Time!
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By Jerry Hu · Editorial · No Comments
The Wusong Industrial Zone, which had long been a source of pollution in Shanghai, has been cited as a showcase for recovery and improvement of the ecology and environment. The turnaround was accomplished by revamping and optimizing the city’s industrial structure and production technologies. Meng Zhongwei, deputy director of the office in charge of cleaning up the Wusong Industrial Zone stated, “Our concept was to improve the environment while revamping structure.”