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Chapter 7 Bankruptcy - File Chapter 7 with the largest U.S. bankruptcy law firm, Legal Helpers. Receive a free online consultation. Completely eliminate your debt once and for all.

In a Chapter 7 Bankruptcy the creditors do have the option of denying a discharge of the debt. If this happens, you will be liable for the debt until it is paid in full. A debt that is not discharged will stay with you until you pay it, you cannot file bankruptcy on that debt in future years. Once all your debts are discharged and forgiven, the chapter 7 bankruptcies will stay on your credit record for seven to ten years as a discharge.

Commercial real estate lending is seen as a secure place to invest, even though a bank or other investment firm might be adding more money into it. Major financial institutions are very strict about which businesses receive these loans.

Commercial loans can include anything from an office building to a high-rise condominium complex. Residential loans are usually limited to several hundred thousand dollars, while commercial real estate loans can reach millions or even billions of dollars.

Despite the strengthened security with commercial real estate loans, there is always the chance an investment could lose money. A natural or artificial disaster could cripple the project, or the company may not be able to continue payments upon completion.

However, even in such rare cases there are ways to deal with the issues. Assuming the project was properly insured, a profit can still be turned on such commercial real estate loans. Such a result is good for every party involved in the process.

Bankrupcy is the legally defined inability or seriously limited ability of an individual or an organization or company to pay their debts.

Bankruptcy is effectively the statutory procedure under federal law by which a person, known as the “debtor” under goes a judicially-supervised liquidation or reorganization.

This process is meant to benefit of creditors where the debtor is usually relieved of most of his debts through what is called “discharge". The creditors are given a portion of the debtor’s liquidated assets.

The word bankruptcy is often misspelled as bankruptsy, bankrupsy, or bankrupcy, among other versions, but all these words mean the same thing.

If you’re struggling to understand the concepts behind commercial financing, just consider the difference between commercial financing and residential financing.

Most residential loans are given at a maximum of several hundred thousand dollars; commercial real estate loans are much higher, sometimes reaching millions or billions of dollars.

free phoenix home evaluation, free home evaluation phoenix - Hot Real Estate

It's always smart to get a professional home evaluation when selling your Phoenix area home. A free Phoenix home evaluation will show you how your home compares to other homes in your area, and will allow you to price your home to get the maximum selling price and the quickest sale.

Most people are unaware that the price of their home is set by the values in the same neighborhood. The price often does not have much to do with the inherent qualities and features of your home - although some of these are more valuable than others. Assessing these variables in real estate values is the job of the evaluation expert. It is well worth having an expert look at your property and do an evaluation before you list your home for sale.

Contact Ron Borowski for a free home evaluation in the Phoenix, Fountain Hills, and Scottsdale areas.

Mar 26, 2007 - Linknet Finance >>

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No Income Verification Loans - When Income Doesn't Show on Paychecks - by Natasha Anderson

Financial statements, salaries, income proof, documents, paycheck, W-2 forms, 1099's - there is an exhaustive list of some of the forms that you may require to provide for a loan. Income documentation is not always easy for someone who is self employed or retired or for any person who doesn't have a fixed source of income. You may have high income and assets. Undocumented income can get good gains in the context of tax deductions. However, it might frustrate a loan borrowing attempt because the loan borrowers usually require two to three years of employment proof even for self employed. A no income verification loan can counter this situation when you can't adhere to conventional loan demands.

The no income verification loan are applicable to everyone and not just self employed people. In fact many people apply for no income verification loans for the simple reason that they are processed faster.

No income verification loans have three basic types - stated income loans, no ratio loans and no document loans or NINA (no income/no asset verification).

Stated income loans are for those who work and draw wages but not regular wages like that from an employer. This no income verification loan works for those who are self employed or those who make their living from commissions and tips. With stated income loans, income for the past two years has to be stated. No any pay stubs or W2 forms but you would have to show some bank statements, tax returns. This no income verification loans require you to reveal debts. For the lender is required to calculate debt to income ratio. That's the percentage of gross income that is used to pay off debt...

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Mar 19, 2007 - Finance Matters >>>

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What Credit Traps Snag Consumers? - by Alan Woods

Nearly 20 years ago I worked for a small consumer advocacy organization in Washington, DC. Each week we received sacks full of mail from consumers across the country requesting our list of credit cards with low interest rates and no annual fees. If you wanted a low interest rate on a credit card back then, you often had to apply to a bank in Arkansas where interest rates were capped by state law.

Those were the good old days.

Now, interest rates range from zero percent to a high 39 percent. It's tougher to find (and keep) a good credit card than ever before. That's because there are many new traps that can snag unsuspecting consumers.

At the top of the list is the "universal default clause" which allows issuers to monitor you credit report and raise your rate if you are late on any bill that appears on your credit report. One major issuer, for example, will hike a 0 percent rate to 24.99 percent if...

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Mar 7, 2007 - Finance News >>

Bad Credit Repair Tips - Discover the various Credit building tips. Find strategies to repair bad credit and raising your good credit rating.

Small Business Guide To Equipment Leasing - by Bob Newman

Equipment Leasing Overview

Equipment is a fundamental part of any business, whether small or large. It is with equipment that businesses render the services that they do. The quality and quantity of equipment a company uses, together with how the company deploys such equipment makes the difference between success and failure in a highly competitive economy.

When it comes to the hardware of a business, companies often prefer to go the extra mile to purchase equipment that will give them an edge in whatever industry they operate. While this quest for better machinery is laudable the methods in which it is obtained are not.

Purchasing equipment off manufacturers’ shelves is a decision most companies choose to take and they do so quite wrongly. In a business, the value of an asset is in its use...

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Feb 15, 2007 - Linknet Product News >>>

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How To Purchase Gemstones on the Internet - by John McQueen

So, you've been looking to purchase a quality gemstone on the internet and you need some help determining what characteristics you should be looking for in a quality gem. This article is intended as a resource to help guide you through a successful gemstone purchase by avoiding many of the common pitfalls that some consumers become entangled. These pitfalls can often leave a sour taste in your mouth and make you a little head- shy about purchasing gems of various types online.

I am aware that many people have had bad previous gemstone purchasing experiences, and some, in my opinion, were downright awful. The common themes in their communications include:

*Didn't really "know" the seller as good as I should have before purchasing my gemstone...

*Color in hand was significantly different than the gemstone image shown online...

*Didn't read the "fine print" regarding my gemstone purchase...

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Dec 7, 2006 - Finance Matters >>>

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Protecting yourself from identity fraud by Benedict Rohan

Your identity is extremely valuable. You need it to prove who you are for various purposes in your day-to-day life, such as opening a bank account, obtaining a loan, getting a credit card, purchasing goods or services, applying for a passport or driving licence, or claiming benefits. If a criminal gets hold of your personal details, they can do exactly the same things in your name without your knowledge. And it’s not rare for this to happen – the problem of identity theft is increasing all the time and the Home Office estimates that it costs the UK economy £1.7 billion a year.

It’s therefore extremely important to keep your personal information safe. There are lots of things you can do to protect yourself from identity fraud. This practical factsheet provides some useful tips and information on how to do this.

Ways in which your identity might be stolen

A house burglary in which personal documents...

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July 13, 2006 - Linknet Real Estate News

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Australia Real Estate Market Leads World as Most Transparent

According to an article in the Syndey Morning Herald, Australia leads the world in the 2006 Real Estate Transparency index. The index established by Jones Lang Lasalle ranks real estate markets in 56 countries and territories.

The JLL survey rates each country on "the availability of investment performance indices; availability of market fundamentals data; listed vehicle financial disclosure and governance; regulatory and legal factors; and professional and ethical standards."

Many countries in the Asia-Pacific area also moved up in the index. These include Japan which became "semi-transparent" and India which has moved up from a very low position based on impressive economic expansion over the last few years.

July 5, 2006 - Linknet Finance News

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Identity Theft is a Major Problem: Whose Responsibility is It to Protect the Consumer?

by Cindy Schroeter Graham

We have heard a lot about consumers' personal information getting into the hands of identity thieves. More and more people are taking steps to minimize their exposure to such theft by reducing information on personal checks, refusing to share social security numbers with just anyone who asks, being prudent in their use of credit cards, and shredding "junk" mail that might allow another person to pose as them. However, we can do little to protect ourselves against lackadaisical security methods or unscrupulous business practices.

Because recent reports confirm that personal information continues to fall into the wrong hands, consumers have become increasingly concerned about how companies handle their personal information. But consumers can only do so much; then it's up to businesses to provide their customers with privacy policies that will ensure their information is handled appropriately and secured from the hands of would-be opportunists, as well as outright crooks.

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June 28, 2006 - Linknet Finance

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How to Draw a Personal Budget that Works

by Abdallah Khamis Abdallah

Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.

However, this is not a prudent way of managing your personal financial affairs. Planning your personal financial affairs through prioritization of needs and budgeting income and expenses is the best way to achieving success in managing your financial affairs.

It is important first to assess your financial needs in the short, medium and long term. What are your financial objectives? What do you want to achieve in the course of time? Do you have any targets? What is your short, medium and long term needs? List all of them down.

Next categorize income and expenses on a monthly basis. Then prioritize expenses into most important, important and most important. You can use any other weighting or prioritization formula that works best for you.

After this assess costs based on consumption per month. Put figures to the expense items. Then write down your income sources and the amount you earn per month from them. List the income on the left and the expenses on the right. Add up income amounts against expense amounts and find the difference to determine surplus or deficit.

Once you have added and reduced items and figures several times and you are finally satisfied with the results, type your figures on a computer spreadsheet or word processor table and save it. You may also print it and file it for regular reference.

To make it work successfully for you, you must vow to stick to the budget. Any deviation must be absolutely necessary and funds should be made available separately to meet the extra expenditure. Where no funds are available, some cutbacks or borrowing from other expense votes. You should ensure that you refund any funds borrowed from any expense votes to enable the votes to be expended.

To be frank, most people would want to spend more and more irrespective of their financial ability. However, arbitrary unbudgeted spending may be hazardous to your financial health.

About The Author - Abdallah Khamis Abdallah is a freelance copywriter and ghostwriter. To learn more about how you and your business can benefit from viral and credibility marketing solutions visit his website at: http://www.qualitywritingsolutions.com, quantumpro@lycos.com

Article Source - Personal Finance 101

June 18, 2006 - Linknet Finance

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Facts You Should Know About Types of Loans by Prakash Menon

When you set out to borrow, you often come across terms like unsecured loans, revolving loans, adjustable rate loans, etc. While these terms are more or less self-explanatory, it is still useful to be clear on their exact meanings and what they imply before you finalize a loan contract.

Unsecured versus secured loans

As the name implies, a secured loan is one where you offer some kind of collateral against the loan. The agreement is that if you default on the loan, the lender has the right (but not the obligation) to take possession of the asset you have pledged.

In most cases, this asset would be what the lender has financed. For example, when you take a home loan, you offer the home as collateral.

There may also be cases where you may need to offer additional collateral over and above the asset that is being financed. This happens, for example, when the lender is financing close to 100% of an asset that is prone to rapid reduction in market value. In such cases, the lender may insist on your putting up another asset so as to provide a reasonable margin of protection in case of default.

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June 6, 2006 - Linknet Real Estate News

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Many Wealthy US Investors Expect Real Estate Decline

A survey of wealthy American investors suggest they are losing faith in real estate, at least for the next year or so.

The survey, called the 2006 U.S. Trust Survey of Affluent Americans, was conducted by U.S. Trust, and polled Americans with annual adjusted gross income of more than $300,000 or net worth greater than $5.9 million.

Nine out of 10 of those surveyed expect their portfolios to rise in 2006. They expect an average 8 percent return from U.S. stocks.

But real estate, which has sucked in a lot of investment cash over the last few years has lost favor with many of these investors. Only 48 percent expect real estate values to increase in the next year. This is down from 72 percent in 2005 who expected increases.

In fact 33 percent of respondents expect a decline in real estate values over the next year -- up from 14 percent in 2005.

The most promising Sectors for investment, according to those polled, are healthcare, pharmaceuticals, and biotech at 79 percent. The technology sector was also strong among these people, favored by 72%. Defence and aerospace stocks also lost favor.

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June 4, 2006 - Linknet Finance

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House Prices Continue Rising More than Expected

According to to a report by the Office of Federal Housing Enterprise Oversight home prices in the US continued to rise in the 1st quarter of 2006. But the increase was slower than in the last quarter of 2005.

Across the U.S., home prices were 12.5 percent higher than in the first quarter of 2005. The increase in the same period a year earlier had been 13.3 percent.

The typical home's value, though, rose only 2 percent in the first three months of 2006, an annual rate of 8.1 percent. That is about a percentage point below the rate from the fourth quarter of 2005 and the lowest quarterly rate of increase since the first quarter of 2004.

The states with that lead the price increase parade for the past 12 months were: Arizona - 32.81%, Florida - 26.62%, Hawaii - 24.99%, Oregon - 20.96%, DC - 20.84%, Maryland - 20.47%, Idaho - 20.31%, Washingone - 19.37% and California - 19.2%.

South Dakota and Iowa actually saw price decreases in the 1st quarter of 2006.

The slowest price increase states for the last year were: Michigan - 2.86%, Ohio - 3.26%, Indiana - 4.18%, Nebraska - 4.45%, Kansas - 4.47%, Iowa - 4.75%, Colorado - 5.10%, Kentucky - 5.53%, Texas - 5.93%
Also, for the first time since late 2002, average home prices fell for the quarter in two states, Iowa and South Dakota.

According to James B. Lockhart III, acting director of OFHEO, the 1st quarter data "... show average housing prices still growing stronger than some might have expected. They do indicate, however, that price growth is moderating in some parts of the country, particularly in areas where prices have been rising the most."

May 28, 2006 - Linknet Real Estate

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Purchasing Property With No Money Down: My Personal Experience

by Mark Barnes

Have you ever seen those infomercials about buying houses with "No Money Down?" They are really well done. They have all kinds of people offering great testimonials about how they have gotten rich, buying rental properties, with absolutely no money out of their pocket.

You see this guy, standing on a street corner, talking to someone, and he says, "I own that one," pointing to a beautiful colonial. "I also own that one next to it, and the one two doors down, and I'll be closing on the one directly across the street from it, next week." He then assures us that he has purchased 17 homes in the last eight or ten months, with zero money down on the properties. Plus, in many cases he's also paid no closing costs.

And, let's not forget, this same guy is grossing tens of thousands of dollars monthly, and his net worth is nearly one million dollars. So, he says.

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May 23, 2006 - Linknet Real Estate

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Real Estate: Buyers Agent, Sellers Agent & Dual Agent (defined and explained)

by Jody Hudson

There is a relatively new and not always well understood practice in Real Estate sales; it is called Buyer Agency or Buyer's Agent. Until recently Realtors and agents usually represented the seller, in opposition to the buyer, during the real estate transaction. Even the real estate agent who drove you from home to home was not truly working on your behalf. By law, the agent was required to work on the seller's side in order to get the highest price and the best terms for the seller -- Period! Some agents still work this way.

In the last few years, first the law and now the practice of representation has changed. We have an entirely different set of options and agreements when we are buying real estate. These options were previously only available and utilized by large companies or wealthy individuals. In the past, the buyer would get a buyer's representative by paying a fee up front and usually by the hour, until the transaction was complete.

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May 18, 2006 - from Real Estate Articles

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How to Qualify For 90% Plus Commercial Financing

There are three important questions that you must understand and answer correctly in order to achieve 90% plus commercial financing! Where to go to locate it? What type of project will qualify? And last, how to negotiate for it?

To start, you must understand the lender's mindset. If you ask commercial lenders what would be their preferred loan type and the reason why, you will hear similar answers -- Commercial lenders prefer minimum risk projects with certain financial returns.

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May 5, 2006 - Linknet Finance - Finance issues, finance advice, finance articles

Florida Mortgage Guide - Let the Florida Mortgage Guide show you the right programs with our Free CD and workbook.
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Payday Loans - The Legal Loan Sharking Industry

by R. Virgil, Faxless Payday Loans

Laws have been created to protect people against "Loan Shark" practices in which short-term loans are given out at excessive interest rates. There is an industry that has come of age the last couple of years that has circumvented these laws. Enter the Payday loan industry.

Payday loans is a some-what new multi-billion dollar industry in which people borrow money to tithe them over until their next payday. These loans also go by the names cash advance loans and paycheck loans. They prey on the lower class that find themselves short of money before a payday.

The one thing to consider when looking into a payday loan is the APR or Annual Percentage Rate that these loans carry. At first glance, you may think paying $240.00 for a loan of $200.00 for two weeks is ok. The A.P.R of this loan comes to a whopping 520%. That is the amount this loan would cost if played over a years time. Compare this with a high interest credit card of 29%. When you see it compared to these numbers, you can see they are not the bargain you first thought it was.

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Apr 6, 2006 - Linknet Finance - by Maksim Fisher - One of the best ways to use a mortgage calculator is to help you to compare the interest rates of various loans. Applying for and getting a home loan is a lot of work. It is not something that is easy to do unless you do not care how much you will be paying for your home.

== Mortgage Marketing, How To be A Loan Officer ==

== Commercial Mortgage Strategies ==

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Term life insurance is the easiest type of life insurance to understand. To put it simply, the insured person pays a minimal premium per thousand dollars of coverage on an annual, semi annual, quarterly or monthly basis. If he or she dies within the term of the policy, the life insurance company will pay the beneficiary the face value of the policy.

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