Accredited Debt Relief #debt #consolidation #loans #mn, #accredited #debt #relief


#

SHARK TANK TV STAR AND FINANCIAL EXPERT ON THE BEST WAY TO GET OUT OF DEBT**

What People Are Saying About Us

Excellent

What We Do

See How Much You Could Save!

Standard credit card payment per month $750 Our monthly program payment estimate $296 Monthly savings! $454

Our calculators, estimators and eligibility tools are strictly to help consumers understand potential options, estimate potential payments/savings and do not provide any guarantee of enrollment, qualification, or payment amount for ANY programs or savings. To learn more, contact one of our representatives.

“I just wanted to forward this to you and say thank you so much for all your help. Amazingly enough I already received a settlement agreement on one of my accounts. So fast. I am looking forward to the rest and know that this pogram is going to help me in the future to get where I need to be.”

Our Website

Our Company

Talk To A Certified Debt Counselor

© 2017 Accredited Debt Relief. Please note that all calls may be recorded or monitored for quality assurance and training purposes.

CA Finance Lenders License #60DBO 64392

* AccreditedDebtRelief.com does not provide debt relief services. AccreditedDebtRelief.com matches consumers with debt relief companies in our network. By submitting your information you agree to be contacted by our partner debt relief providers via phone, text messaging and / or email. Each partner will provide a proposal for debt negotiation services & may charge a fee for their service. Call us directly for more details and to see exactly what you would qualify for. Results vary based on ability to save funds, complete all program terms & willingness of creditors to renegotiate. Licensed and bonded in IA, ID, IN, MD, MN, MO, MT and TX. Additional information for Maryland residents.

Accredited Debt Relief does not broker loans and does not make and/or fund any product offerings, loans, or credit decisions. This web site and the content within do not constitute an offer or solicitation to lend. This web site will securely submit the information you provide to a lender. Providing your information on this web site does not guarantee approval for a product offering. We only refer consumers for loans in the following states: AK, AL, AZ, CA, DC, FL, IN, MD, MI, MO, NC, NE, NM, NY, OH, OK, SD, VA

Debt settlement is a negotiation process and therefore it is not possible to predict exact savings. Anyone considering bankruptcy should contact a bankruptcy attorney. Clients who make all their monthly program payments pay approximately 50% of their enrolled balance before fees, 68% to 75% including fees, over 24 to 48 months. Not all clients complete their program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss tax consequences of settlement. Read and understand all program materials prior to enrollment, including potential adverse impact of credit rating. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements obtained on your behalf resolve the entire account, including all accrued fees and interest.

The trademarks included on this page are property of their respective owners, who have offered no endorsement of this service.


Business Loans, Westpac, business loans to buy a business.#Business #loans #to #buy #a #business


#

Business loans

When you don’t want to use cash flow to purchase new assets.

Business loans to buy a business

Use your asset as security to buy, hire or lease a new vehicle/equipment.

  • Business vehicle finance: Buy, hire or lease the latest model without tying up your cash.

We ll be in touch within 1 working day.

Business Overdraft

Provides cash flow relief with funds to cover business expenses, such as invoices and wages until you’re paid.

Business loans to buy a business

An overdraft is ongoing (no fixed term), and you repay what you can, when you can – as long as the overdraft stays under the agreed limit.

  • Unsecured Business Overdraft: Up to $50k. No asset security taken. Director’s Guarantee required for Corporate borrowers.

We ll be in touch within 1 working day.

Business Loan

Great for purchasing an existing business or franchise, or investing to grow.

Business loans to buy a business

Borrow from $20,000 with a Westpac Business Loan. A choice between a fixed rate with predictable repayments or variable rate with flexible repayment options.

We ll be in touch within 1 working day.

Looking for other business loans?

Get started online

We’ll be in touch within 1 working day.

What are your vehicle repayments?

Get an estimate of your business vehicle finance repayments.

Find a business banker

Call or visit your local branch

Need some help?

Articles to help you make a decision on the business loan that’s right for you:

Learn more about
Things you should know

Credit criteria, fees, charges, terms and conditions apply. Talk to your banker for product details.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.


Car Title Loans in Columbia #title #loans #columbia #sc


#

Title Loans in Columbia, SC

If you are undecided to apply for a loan because of past refusal, fear not! You can apply for auto title loans with South Carolina Auto Equity Loans. We give loans of up to 50,000 depending on your automobile by utilizing your vehicle’s title as collateral. This allows people who have previously been refused for loans to get the cash they need with auto title loans in South Carolina. With your title used to secure the loan, there is no need for prolonged and invasive credit checks. You can even receive title loans within a day of initially applying.

Benefits of Title Loans in South Carolina

Because we don’t require credit checks to obtain car title loans in South Carolina, the process for getting the money you need is very effortless. We only have one application. It is simply consist of basic contact information and details regarding the car and its title that you will be using. After that, you’ll be reached out to create a loan plan that you are happy with. After that, you just need to pick up your South Carolina Auto Equity Loans check at the most convenient spot for you. There is no need for confusion or drawn-out and tiring processes. Loans are uncomplicated with auto title loans in South Carolina.

Easy Online Application

We’re a leader in the South Carolina car title loans industry. In addition to offering some of the lowest interest rates for vehicle title loans in Columbia, we also pride ourselves on excellent customer service. We provide personalized loans plans for each individual client and have a highly trained team of customer service representatives that work tirelessly day and night and all year-round to help you best. If you have any question, anxieties or comments regarding car title loans in South Carolina, don’t hesitate to contact us. There is always someone available to help you.

We are also available for contact in a variety of ways so that you can get a hold of us however you are most relaxed with. There is no need to adapt to us, we are willing to help you. There are hundreds of South CarolinaAuto Title Loans outlets in the area for your convenience as well. We can also be reached over the phone and online if you prefer. Contact us today and find out what South Carolina Auto Title Loans can do for you.

We have the Lowest Rates in South Carolina
Apply for Instant Pre-Approval!
No Credit Checks!


Personal Loans for Good, Average and Bad Credit #bill #consolidation #loans #with #bad #credit


#

Estimated loan offers for $5,000

Debt consolidation loans for borrowers with average credit

An unsecured personal loan can be a great tool to consolidate your debts and get a fixed monthly payment at a lower rate. But interest rates and other terms can vary greatly based on your credit score and other factors. Read more about the pros and cons below.

Showing 1 – 13 of 13

Loading your loans.

Est. monthly payment*

Min credit score

Est. Monthly Payment* 3 year loan

Min credit score

Check Rate on NerdWallet s secure website

Pre-qualify before you apply

It s free, won t affect your credit, and will provide exact rates.

A personal loan is an installment loan that is not backed by collateral such as a house or car. It differs from a mortgage or car loan in that the lender cannot directly seize your assets if you fail to pay back the loan. Your credit score still will be damaged if you default, though.

What lenders are looking for. Any reputable lender will check your credit history and ask about your income and debt when deciding whether to offer you a loan. Your credit history directly affects the interest rate you are offered, and so does your ability to repay the loan. Rates do vary from lender to lender, but here is what interest rates on personal loans look like, on average:

Average Personal Loan Rates

How’s Your Credit?

Source: 2016 NerdWallet survey of lenders

Someone with poor or average credit may be able to get an unsecured personal loan on the strength of a steady income and low debt levels. Someone with excellent credit and a low debt-to-income ratio may be offered interest rates as low as those seen on secured loans.

Almost all lenders will require you to be 18 or older and a legal U.S. resident, with a verifiable bank account and not in bankruptcy or foreclosure.

What about lenders that don’t check your credit? Some lenders have no minimum credit score requirements, but that does not mean they don’t check your credit report. They do.

You may have seen lenders that offer loans with no credit check at all, but they will charge interest rates of 300% or more, as will a payday lender.

Only a few lenders will approve a loan for borrowers with poor credit scores. Expect rates toward the higher end of the range — that is, up to 36% — if your credit is damaged. If you can’t qualify for a loan through a reputable lender, don’t head for a payday lender. Consider these options first .

Pros of personal loans

Consolidation for your credit cards and other debts. A personal loan can be used to consolidate high-interest credit card debt into one payment at a lower interest rate and accelerate debt payoff.

Improved credit score. You may improve your credit score by moving revolving credit card debt to an installment loan, because you lower your credit utilization ratio and diversify your types of debt.

Cons of personal loans

Higher interest rates than secured loans and (some) credit cards. If you have excellent credit and can pay off the debt in 12 to 18 months, you can likely get a credit card that has 0% interest on balance transfers for a year or longer. Alternatively, if you are a homeowner, home equity loans often have lower interest rates than personal loans. But be cautious; you’re risking your house by putting it up as collateral.

Extended application process. The approval process for a loan can last a few days and may require more information than that needed to get a credit card.

Is a personal loan right for you?

Personal loans work best as part of a longer-term plan to improve your finances.

Borrow to consolidate debt if it means you’ll get out of debt more quickly. Borrow for a wedding or a vacation if you are confident you can make the payments.

But don’t borrow to put off the inevitable. If you aim to become debt-free. create a plan to do so. If you can’t handle your current debt, investigate your debt-relief options .

Once you decide a personal loan is a good choice for you, calculate payments at a range of interest rates and amounts so you’ll have an idea of what to expect as you shop.

If you have good credit and an existing banking relationship, it’s worth checking out the offerings from your current provider or local credit union.

The lenders who partner with NerdWallet follow Consumer Financial Protection Bureau standards for installment lending, with interest rates no higher than 36% (widely considered the upper limit of affordability) and consideration of your credit history and ability to repay. NerdWallet has reviewed their application processes and verified their underwriting guidelines.

Check out our choices

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines. and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.


LAWSUIT FUNDING #lawsuit #funding, #lawsuit #loans, #lawsuit #settlement #funding, #settlement #funding, #settlement #loans, #pre #settlement


#

Lawsuit Funding

Are you involved in a pending or settled lawsuit but cannot wait for your money?

If this is your problem, lawsuit funding (also known as a pre settlement loan or lawsuit cash advance ) from Fair Rate Funding is the solution.

Collecting on your injury case takes time, usually between two and four years. This puts tremendous strain on your financial resources. Chances are you will eventually receive a substantial award. But until your case is settled, your bills keep piling up.

Lawsuit funding arrangements are essentially contracts between a plaintiff in a lawsuit and a “lender” to provide immediate cash to the client, often within 24 hours. The attorney then places the contract in the file as a lien against any future settlement. In other words, with lawsuit funding we loan you money now and when you settle the case, you pay us back.

Lawsuit funding is routinely given for personal injury cases such as auto accidents and slip and fall actions. For Fair Rate Funding to consider your case for a pre settlement loan, three requirements must be met:

    1. You must have a pending claim against a defendant.
    2. You must have an attorney.
    3. Your attorney must be representing you on a contingency basis meaning that the attorney only gets paid if the lawsuit is successful.*

* Exceptions may apply. Please call for additional information.

Lawsuit funding and pre settlement loans offer:

  • Immediate funds for you to use as you wish.
  • A Zero Risk Proposition. The funds are paid back ONLY IF you win your case.
  • Absolutely the LOWEST rates available.
  • Quick and attentive explanation on how the program works.
  • 24 to 48 hour approval process.

Pre settlement loans are generally described as “non recourse” loans. This means if you do not collect any money in the lawsuit, the cash advance is not paid back. With lawsuit funding, we take the risk and you take the cash.

While there is inherent risk in advancing cash through lawsuit funding, our underwriters are especially skilled in assessing the likelihood the loan will be paid back. Rest assured, if we approve your case for funding, we believe you have a strong case and that you will eventually recover money for your lawsuit.

Getting Started with Lawsuit Funding

The process of obtaining a pre-settlement loan through Fair Rate Funding is very simple.

  1. Fill out the Quick Application on this web page.
  2. We will contact you the same day to discuss your case – please provide accurate information.
  3. With your approval, we will discuss your case with your attorney.
  4. If your case is approved for cash advance, we will immediately prepare a document for your signature.

Fair Rate Funding is not just a lawsuit funding company. We act as a direct lender. Our rates for lawsuit cash advances are among the lowest in the business.

We understand that each case is fact specific and that no two lawsuits are exactly alike. We assess the likelihood your case will prevail and will offer you a cash advance against the future proceeds of your lawsuit with terms that are fair and reasonable.

Lawsuit Funding Provides

  • Quick and easy settlement funding services
    • Fill out the online application or call today.
    • A representative will contact you within minutes of your application.
    • We will contact your attorney and collect the necessary paperwork.
  • Rapid Funding through Wire transfer or FedEx™ Overnight delivery.
  • Interest payments capped after 3 years from the Funding Date.
  • The LOWEST rate structure for preferred cases. (See Rate Comparison )
  • Straight forward contractual language with an easy to understand payback schedule.
  • Cooperative attention to your needs and respect for your attorney’s busy schedule.
  • Lawsuit funding specialists prepared to handle your case promptly and efficiently.

No Credit Check: No Credit Check #personal #loans, #car #loans, #boat #loans, #truck #loans, #home


#

Balloon Payment:
A large loan repayment made in order to clear a debt. Usually applied to a short-term fixed-rate loan, which involves small payments for a certain period of time with one large payment for the remaining amount of the principal at a time specified in

Compare Home Loans
Shop multiple lenders for best offers. Free online eligibility assessment.
Click for details

No Deposit? No Problem!
Let us help you find the right home loan with or without a savings history.
Click for details

First Home Buyer Loans
Free home loan finder service. Best deals for first home buyers.
Click for details

Low Rate Home Loans
Finding the best rate home loans has never been easier. No upfront fees.
Click for details

Poor Credit History?
You may still be eligible for a home loan even with an imperfect credit file.
Click for details

Lo-Doc Home Loans
Specialist home loan service for self-employed home buyers.
Click for details

No Credit Check

Compare rates for home loans, car loans, personal loans, boat, truck and business finance – without accessing your credit file!

Unlike most online loan offers, lodging your enquiry with us here on this website will not require a credit check – nor will it create adverse entries on your credit file.

Just fill out our quick No Credit Check Finance quote request application for unrestricted access to the best Finance rates and product information from a comprehensive cross-section of the country`s premier and best known Finance specialists. without accessing your credit file!

Where would you like us to take you from here?

Whilst you are visiting us, you could take in the most recent Finance news headlines. or browse our large knowledebase of Finance articles.

You also have free use of the selection of Finance financial tools that we have on this website.

No Credit Check affiliates make money by referring people to us. See our affiliate offering to understand how.

Finance Brokers and Advisers can learn more information about our internet lead platform.

Unsecured personal loans

The following information is specific to unsecured personal loans.

Minimum period for repayment 6 months, maximum period 5 years.

The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans. Longer term loans for larger amounts may be available for an APR of 15% or lower.

For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you borrowed.

Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest rate will be different depending on what you are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or truck loan.

Home Loans: Hot tips for borrowers
Buying a home is one of life’s biggest purchasing decisions for most Australians. Here are 27 ways that. read more

Infestation of sweet deals
They look like an easy solution to your credit card debt. but balance transfers come with complex. read more

Credit Cards Debt – How to freeze the Plastic Debt Dragon in Your Wallet – Start Living Again
Are you scared to open your wallet knowing there is a fire snorting dragon lurking in there. Here is. read more

Credit Card Scam Prevention
In the undoubtedly complicated financial world today, we all rely on credit and online access to credit. read more

What makes up a good mortgage? It s all here
Here is a mortgage shopping list, a good start in the process of selecting a mortgage. read more

Be Credit Wise – Tips For Credit Cards In Australia
These days, life without a credit card would be hard to imagine. We have become so used to the convenience. read more

5 Credit Killers
A good credit score speaks volumes about your financial habits. It’s the evidence most creditors need. read more

No Deposit Home Investment Property Loans
How to get 100 per cent home loan finance for your new investment property. read more

Getting Rid of Your Debt Troubles
People borrow for a variety of reasons. But as long as they are able to meet repayment obligations, things. read more

Home Loan Refinancing – the Pros and Cons
AUSTRALIANS reckon a change is as good as holiday, and some homeowners are pulling out all stops to prove. read more

Personal Loans to help Australians in need: FSO
Oct 29. As Australia prepares to clean up following devastating fires and floods, Financial Services Online CEO. read more

Small business loans to help Aussie businesses through tough times
Nov 27. Financial Services Online has today announced a new credit facility for Australian business customers. read more

Police issue warning about bank scam
Nov 20. Melbourne police are warning people about a scam in which fraudsters pose as bankers and ask for money.They. read more

Quick Links. | Personal Loans | Car Loans | Boat Loans | Truck Loans | Home Loans | Business Loans | Debt Consolidation

This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust) 43 Larch Street Tallebudgera QLD 4228, A.C.N. 010281008, authorised credit representative of Saccasan Pty Ltd, Australian Credit License 386297. Visit the ASIC website for additional licensing information.

powered by Financial Services Online | � Copyright Clark Family Pty Ltd A.C.N. 010 281 008 – all rights reserved

IMPORTANT. We are neither authorised nor licensed to provide finance or finance products. We do not recommend any specific financial products and we do not offer any form of credit or other financial advice. All product enquiries and requests for financial and/or other advice on this website are referred to third party, qualified intermediaries with whom you can deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third part to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs.


What Caused the Mortgage Crisis? #subprime #business #loans


#

The Mortgage Crisis Explained

Updated July 31, 2017

In 2007, the U.S. economy entered a mortgage crisis that caused panic and financial turmoil around the world. The financial markets became especially volatile, and the effects lasted for several years (or longer). The subprime mortgage crisis was a result of too much borrowing and flawed financial modeling, largely based on the assumption that home prices only go up. Greed and fraud also played important parts.

The American Dream

Owning a home is part of the “American Dream .” It allows people to take pride in a property and engage with a community for the long term. However, homes are expensive (at hundreds of thousands of dollars — or more), and most people need to borrow money to buy a home.

In the early 2000s, that dream came into reach for a record number of people. Mortgage interest rates were low, allowing consumers to get relatively large loans with a lower monthly payment (see how payments are calculated to see how low rates affect payments). In addition, home prices increased dramatically, so buying a home seemed like a sure bet. Lenders believed that homes make good collateral. so they were willing to lend against real estate and earn revenue while things were good.

Cashing Out

Things were good for first-time home buyers. but existing homeowners also benefited from easy money and low rates.

With home prices skyrocketing, homeowners found enormous wealth in their homes. They had plenty of equity, so why let it sit in the house? Homeowners refinanced and took second mortgages to get cash out of their homes equity. Some of this money was spent wisely (on improvements to the property securing the loan).

However, some homeowners used the money for living expenses and other needs, keeping a comfortable standard of living while wages stayed stagnant.

Easy Money Before the Mortgage Crisis

Banks offered easy access to money before the mortgage crisis emerged. Borrowers got into high-risk mortgages such as option-ARMs. and they qualified for mortgages with little or no documentation. Even people with bad credit could qualify as subprime borrowers.

Risky borrowers: Borrowers were able to borrow more than ever before, and individuals with low credit scores increasingly qualified as “subprime” borrowers. Lenders approved “no documentation” and “low documentation” loans, which did not require verification of a borrower’s income and assets (or verification standards were relaxed).

Risky products: In addition to easier approval, borrowers had access to loans that promised short term benefits (with long term risks). Option-ARM loans allowed borrowers to make small payments on their debt, but the loan amount might actually increase if the payments were not sufficient to cover interest costs. Interest rates were relatively low (although not at historic lows), so traditional fixed-rate mortgages might have been a reasonable option.

Fraud: Lenders were eager to fund purchases, but some home buyers and mortgage brokers added fuel to the fire by providing inaccurate information on loan applications. As long as the party never ended, everything was fine. Once home prices fell and borrowers were unable to afford loans, the truth came out.

Sloshing Liquidity

Where did all of the money for loans come from? There was a glut of liquidity sloshing around the world — which quickly dried up at the height of the mortgage crisis. People, businesses, and governments had money to invest, and they developed an appetite for mortgage-linked investments as a way to earn more in a low interest rate environment.

Secondary markets: Banks used to keep mortgages on their books. If you borrowed money from Bank A, you’d make repayments to Bank A, and they’d lose money if you defaulted.

Make Your Money Work for You.

Ready to start building wealth? Sign up today to learn how to save for an early retirement, tackle your debt, and grow your net worth.

However, banks now sell your loan, and it may be further divided and sold to numerous investors. These investments are extremely complex, so many investors just rely on rating agencies to tell them how safe the investments are (without really understanding them).

Because the banks and mortgage brokers did not have any skin in the game (they could just sell the loans before they went bad), loan quality deteriorated. There was no accountability or incentive to ensure borrowers could afford to repay loans.

Early Stages of Crisis

Unfortunately, the chickens came home to roost and the mortgage crisis began to intensify in 2007. Home prices stopped going up at a breakneck speed, and prices started falling in 2006. Borrowers who bought more home than they could afford eventually stopped making mortgage payments. To make matters worse, monthly payments increased on adjustable rate mortgages as interest rates rose.

Homeowners with unaffordable homes were left with few choices. They could wait for the bank to foreclose. they could renegotiate their loan in a workout program. or they could just walk away from the home and default. Of course, many also tried to increase their income and cut expenses. Some were able to bridge the gap, but others were already too far behind and facing mortgage payments that simply weren’t sustainable.

Traditionally, banks could recover the amount they loaned at foreclosure. However, home values fell to such an extent that banks increasingly took hefty losses on defaulted loans. State laws and the type of loan determined whether or not lenders could try to collect any deficiency from borrowers .

The Plot Thickens

Once people started defaulting on loans in record numbers (and once the word got around that things were bad), the mortgage crisis really heated up. Banks and investors began losing money. Financial institutions decided to reduce their exposure to risk very quickly, and banks hesitated to lend to each other because they didn’t know if they’d ever get paid back. Of course, banks and businesses need money to flow to operate smoothly, so the economy came to a grinding halt.

Bank weakness (and fear) caused bank failures. The FDIC ramped up staff in preparation for hundreds of bank failures caused by the mortgage crisis, and some mainstays of the banking world went under. The general public saw these high-profile institutions failing and panic increased. In a historic event, we were reminded that money market funds can “break the buck.”

Other factors contributed to the severity of the mortgage crisis. The US economy softened, and higher commodity prices hurt consumers and businesses. Other complex financial products started to unravel as well.

Lingering Effects

Lawmakers, consumers, bankers, and businesspeople scurried to reduce the effects of the mortgage crisis. It set off a dramatic chain of events and will continue to unfold for years to come. The public got to see “how the sausage is made” and was shocked to learn how leveraged the world is.

The lasting effect for most consumers is that it’s more difficult to qualify for a mortgage than it was in the early-to-mid 2000s. Lenders are required to verify that borrowers have the ability to repay a loan — you generally need to show proof of your income and assets. The home loan process is now more cumbersome, but hopefully, the financial system is healthier than before.


Top Charlotte NC area Listing & Buyers Agent, Charlotte NC Homebuyer Programs & Relocation Specialist


#

North Carolina & South Carolina Real EstateSPECIALIZING IN CHARLOTTE AREA REALTY HOME BUYER PROGRAMS

Trena Miller stood by us from start to finish! There are not enough words to express my gratitude to Trena. She truly cares about her clients and will stand by your side from beginning to end. We could not have asked for a better agent to represent us! Mr & Mrs. Duncan/ Charlotte, NC Homebuyers

Trena Miller was fantastic! She should be Realtor Of The Year. She is truly a great realtor and a wonderful person. I came to her as a first time home buyer, clueless about purchasing a home. Trena not only helped me purchase a NEW HOME but she also educated me along the way. She answered every question no matter how many I asked. When things got stressful it was her reassurance, encouragement, and motivation that truly kept me moving forward. Donna the closing coordinator was also a great asset. I felt taken care of! L. Ricks/ Charlotte, NC First Time Homebuyer

Trena was honest throughout the process and integrity is important to her. She supported us throughout the process, overcame numerous barriers and was honest throughout the process. We built a beautiful home in Mooresville NC and she helped to make that happen for us. Thank you Trena, we LOVE our home! A Sears & K Kerr/ Mooresville, NC Homebuyers

Trena was absolutely amazing! She worked with me throughout this whole process. I was picky about my first house and she made sure that I got what I wanted. When it came to closing, she was right there by me, making sure everything was good to go. I’d definitely recommend her to anyone who is purchasing a home! B. Williams/ Charlotte, North Carolina Homebuyers

She did an excellent job for us! Her pricing was perfect and the house sold quickly. We couldn’t have asked for a better realtor. Thank you Trena for ALL your hard work! Mr & Mrs Wright/ Gastonia, NC

What I liked about my home buying experience with Trena is that she was very patient with me and on our very first phone call, I did not feel rushed. I laid out everything that I was looking for and she exceeded my expectations. Q. Marrow/ Charlotte, NC Homebuyers

Great experience from start to finish! Trena was wonderful to work with and all the partners (financing, closing, etc.) were professional as well. J. Bagley/ Mooresville, NC Homebuyers

My home buying experience was a good one. Trena listened to me, advised me and worked hard during the negotiation process. This was my first time purchasing a home, and I learned so much during the process. I got exactly what I wanted and more in my home! N. Bernard/ Charlotte, NC

Trena Miller and her office provided exceptional services to us during our home search and buying process. Trena made it her business to understand our situation and to make sure that our needs were met. She is a superb negotiator, and a very hard working professional. If we hear of anyone who is in need of a realtor, we would insist that they contact Trena Miller. Mr & Mrs Clark/ South Charlotte, NC Homebuyers

We will forever be grateful and will always hold a special place in our house for. Mrs. Trena and her team Donna and Tiffany. They made the impossible. Possible. Yayyyyyy we love our new HOUSE and we miss u guys already! Mr & Mrs Espinal/ Mint Hill, NC

Only wish I could have found Trena before I started the homebuying process. It was long and I wasn’t having any good luck. After meeting with Trena, she was able to find my dream home in just ONE WEEK and for this I am so happy. Thank you Trena! S. Caballero/ Charlotte, NC

Trena was great showing us homes and even being on top of things with handling the lender and builder. It was kind of stressful in the beginning. but Trena helped us through it all. Thank you Trena! CMPD Officer/ Charlotte, NC

Charlotte NC Area Real Estate & Home Buyer Programs

The real estate market is constantly changing, but one thing for certain, the Charlotte NC Real Estate Market continues to boom in home sales! Whether you’r e relocating to the Charlotte NC area . searching for houses for sale in Charlotte NC, looking for HUD homes in Charlotte NC for investment p urpose s or des ir ing to build a c ustom home in Charlotte NC, we can help.

This site is a one stop shop for all of your Charlotte NC real estate needs and with our easy to navigate up to date MLS Search tool . you’ll find an array of new and available listings to fit your need. Our site is full of informative articles and links to help you find what you need to succeed in one of the fastest growing areas in the nation.

Need help getting pre-approved to purchase?

Need the help of a Charlotte NC Relocation Specialist? Let us help you! Not only can we help you sell your current home to get here, but we also help you to line everything up to make your transition as smooth as possible.

Take a tour through these Real Estate Success Stories to see why more and more Buyers & Sellers in the Charlotte area are rating us as one of the Top Professional Real Estate Firms in Charlotte North Carolina.

Whether you are a seller, first time home buyer, move up buyer, or investor, we can help! Feel free to browse through this site to discover all that Charlotte NC has to offer! Find new home builders in Charlotte, new home communities in Charlotte NC, HUD homes in Charlotte NC and properties for sale in Charlotte NC.

Are you looking to buy Charlotte real estate? For Buyers, we educate you through-out the entire process. Are you looking for something particular? Please let us assist you by filling out our VIP Home Request form .

Are you selling real estate in Charlotte? For Sellers, we create an effective home marketing plan to get you home sold FAST! First you will need to find out how much your property is worth. Let us do the work for you by filling out our FREE Home Value Request .

Buying or selling your Charlotte home or Charlotte real estate property can be the single most important transaction in your life, therefore it is important for you to work with someone who has the experience, professional expertise and integrity to make your next Charlotte real estate transaction pleasurable and stress-free.

CHARLOTTE NC AREA RESOURCES

GNND Program : If you are a Police Officer, Teacher, Emergency Medical Technician, or Fire Fighter, find out how you can save 50% on your home purchase.

House Charlotte Listings : Find out which homes are eligible for House Charlotte funds. Over 500 homes currently available!
(temporarily unavailable).

House Charlotte NC Program: Receive up to $10,000 in down payment assistance through the House Charlotte Program in Charlotte NC.

HUD homes in NC: Get a FREE list of HUD homes in Charlotte NC. Search HUD homes for sale in Charlotte. Purchase a HUD home for as little as $100 down!

Neighborhood Stabilization Program : Better known as the NSP Program which provides $14,900 to purchase a foreclosed home.
(Limited time only)

NC Bond Loan: Down payment assistance up to $8000 through the North Carolina Housing Finance Agency. Update, the NC Bond Program is now called NC Home AdvantageMortgage .

USDA Rural Development Loan: Determine if a property is located in an eligible rural area. Get pre-qualified for Charlotte NC USDA home loan. Apply Today!

The Pruitt Miller Realty Group is one of the leading real estate groups in the Charlotte NC area who specializes in Home buyer Down Payment Assistance Programs.

We can help you every step of the way! If you would like more information about one of these Down payment Assistance Programs in Charlotte NC or any of our professional real estate services we offer, please fill out the form below. You may also call us directly at 704-965-3319.

Charlotte NC


How to Find Settlements Belonging to You #settlements #loans


#

How to Find Settlements Belonging to You

If you think you may be owed money from a settlement, you can search and track down the funds you re entitled. When property isn t claimed, it doesn t vanish. States maintain the money and wait for the rightful owners to come forward and claim it. You can find settlements belonging to you from a bankruptcy case, insurance company or even class action lawsuits.

Search Bankruptcy Settlements

When assets are liquidated, the trustee uses the funds to pay the creditors. The payments are generally issued in the form of a check. If the check isn t cashed within 90 days or is returned due to a change in address or undeliverable status, the trustee hands the funds over to the court and they become unclaimed funds .

If you were a debtor who filed bankruptcy, you may be owed funds leftover from liquidating assets or from a dismissed case. If you didn t receive the trustee check, you can search for unclaimed funds you may be owed.

Both claimants and debtors can search for unclaimed funds in the state where the bankruptcy case was filed. Refer to the state s bankruptcy court website to search. Check the Public Notice section for unclaimed funds. Enter either the debtor s name, the case number or the recipient s name. If you locate funds owed to you, complete an application for payment of unclaimed funds. You ll need to provide information to help verify you are owed the funds, such as a Social Security number of business name.

Search Your State s Department of Treasury

The National Association of Unclaimed Property Administrators provides access to every state s unclaimed property website. If you search in a specific state, you ll see any unclaimed property, bank accounts or other assets reported in that state only. If you ve lived in multiple states, go to each state website to run a search. The claim process varies by state, but you ll generally just need to produce proof of identity for an unclaimed settlement check.

Search Multiple States

You can search for /ahref= http: unclaimed property, money and assets using MissingMoney.com. The site allows you to enter your first and last name to search a government database of unclaimed property. Some types of unclaimed property include:

  • Uncashed checks or wages
  • Insurance policies
  • Certificates of deposits
  • Bank accounts
  • Safe deposit box contents
  • Stocks
  • Bonds
  • Escrow accounts

If you find unclaimed property under your name, verify the last known address. You ll need to complete the claim process through the state where the money is held.

Class Action Settlements

There are multiple websites that offer lists of open class action settlements you may qualify for based on services you ve received or products you ve purchased. You may even be eligible for class action settlements from banks, credit card companies, cell phone carriers or debt collectors. A few of the settlement resource websites include:

If you find a settlement you qualify for, click file a claim to be directed to the attorney s website handling the case. The majority of claims allow you to complete and submit the claim request online.


Start-Ups – Alabama Small Business Development Center Network #business #loans #start #ups


#

Start-Ups

The business advisors at the Alabama SBDC Network are passionately committed to helping entrepreneurs start and grow their businesses at every stage in the company’s life-cycle Through a combination of consultation, in-depth analysis and plan development, we provide business owners with the tools they need to succeed. Our certified business consultants have extensive, practical experience in marketing, finance, operations, franchising, international trade, and government procurement. Many have been business owners themselves, most have advanced degrees, and several have lived and worked internationally.

Deciding whether or not to start a new business is usually one of the more difficult decisions a person faces in life. Proper preparation is required, execution is crucial, consequences are widespread, and the required commitment is immeasurable. People arrive at this crossroad from various points. Some people seem to be “born entrepreneurs” and other people arrive at the crossroad less out of their own choosing. Regardless of the reasons, a decision must be made: jump back in the rat race or strike out on your own. It’s a tough choice, but many people face it every day. We strongly encourage you to contact one of our business advisors to review your options, and to make sure that your business gets started on the right foot.

Alabama s Answers provide basic, introductory information to individuals who are considering starting a business in the State of Alabama. While no one publication can answer every question for every kind of proposed business, this publication can serve as a guide to those sources of information which are needed for a successful business venture.

Download a free copy ofAlabama s Answers: A Small Business Guide to Doing Business in Alabama :

For additional resources and outreach programs, please download the Alabama Small Business Resource Guide. This SBA publication includes contact information for business advisors across the state, information on capital access, government contracting, disaster assistance, and small business advocacy. It also includes a basic primer on SBA loan products. This publication is updated yearly, and is widely available at your local chamber of commerce, SBDC office, courthouse, or library.

Prospective small business owners may also want to consider the Atlas Alabama website. which can provide information about various permits and certifications.

© 2017 Alabama SBDC Network – The University of Alabama

Accredited member of America’s Small Business Development Centers.

Funded in part through a cooperative agreement with the U.S Small Business Administration. Privacy Policy. Disclaimer. Equal Opportunity Policy

All opinions, conclusions or recommendations expressed are those of the author(s) and do not necessarily reflect the views of the SBA. SBDC programs are open to the public and all services are provided on a nondiscriminatory basis without regard to race, color, religion, sex, age, disability, or national origin. Accommodations are made for individuals with disabilities.