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The Foreclosure Group
By 24/7 PC Services November 07, 2012
Last year 2011, I contacted Dawn for a loan modification. She wanted to be paid upfront! I was very skeptical, though I had no choice and I did it. It sounded too good to be true. Guess what.... 6 months later, she came true... my mortgage with Chase, has been modified from 4100 per month to 2001 per month. This includes the PMI, insurance, taxes etc. Actually my mortgage payment went down to almost one third. I have a 40 year at 2% interest and principal for a $6,000,000 loan. This is unbelievable. I recommended her to all of my friends. Dawn Aguilar is the best. ...read more
Cash and More II
By LAURIEP145 at Citysearch March 16, 2012
BEWARE: DO NOT GO HERE! \t\n\t\nTHE EMPLOYEES STEAL FROM YOU HERE USING THE PREPAID VISA CALLED ICE CARD! I PUT $ ON MY CARD & GOT A RECEIPT SHOWING THE MONEY WAS PUT ON MY ICE CARD. THE NEXT DAY I CHECKED MY CARD BALANCE ONLINE & THE $ WAS GONE. CASH & MORE TOOK MY $ BACK OFF MY CARD 4 MINUTES AFTER IT WAS PUT ON! I WENT BACK & WANTED MY $ OR MY $ PUT BACK ON CARD & THEY REFUSED. \t\n\t\nI CALLED PHX POLICE & WAS TOLD I HAVE TO SUE THEM IN CIVIL COURT! THEY HAVE $300 OF MY $ & I HAVE TO GO TO COURT TO GET IT BACK! LIES FROM HOWARD MOSS & RAQUEL ROSAS, THE DISTRICT MGR. DON T GIVE YOUR $ TO THEM OR YOU WON T SEE IT AGAIN!! NOW I KNOW WHY THEY SAY STAY AWAY FROM CHECK CASHING PLACES! GO TO WALMART OR WALGREENS FOR A LEGITIMATE PREPAID VISA CARD! ...read more
Cash and More II
By LJPARKER March 16, 2012
BEWARE: DO NOT GO HERE! THE EMPLOYEES STEAL FROM YOU HERE USING THE PREPAID VISA CALLED ICE CARD! I PUT $ ON MY CARD ...read more
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Read The Latest Newsletter from Consumer Credit Counseling Service 1-800-254-4100
We've just published a new edition of our newsletter! You can check it out on our website and get the latest information from Consumer Credit Counseling Service 1-800-254-4100. Let us know what you think! Read It Now Here ...read more
By Consumer Credit Counseling Service 1-800-254-4100 May 27, 2011
The Fair Credit Reporting Act (FCRA)
Fair Credit Reporting Act (Summary) Public Law 91-508 The Fair Credit Reporting Act (FCRA) allows a consumer to challenge the information on his credit report on the basis of "completeness and accuracy." If, after a reinvestigation by the credit bureau, the disputed information "is found to be inaccurate or can no longer be verified, the [credit bureau] shall promptly delete such information." The credit bureaus are required to complete the investigation within a "reasonable period of time." This period has been set at thirty days. The credit bureaus can ignore the consumer dispute if they have reason to believe that the dispute is "frivolous or irrelevant." The FTC commentary on the FCRA cites, as an example of a frivolous dispute, a dispute wherein the consumer challenges all negative items on his credit report without providing any allegations regarding specific items in the credit file. However, "A [credit bureau] must assume a consumer's dispute is bona fide, unless there is clear and convincing evidence to the contrary." When a consumer challenges a negative credit listing on the basis of extenuating circumstances, such as health problems, divorce, job loss, etc., the credit bureaus are entitled to ignore that dispute. When a consumer submits a dispute which is neither frivolous nor irrelevant by credit bureau standards, the credit bureau must "at a minimum... check with the original sources or other reliable sources of the disputed information and inform them of the nature of the consumer's dispute." In some cases of consumer dispute, "Reinvestigation and verification may require more than asking the original source of the disputed information the same question and receiving the same answer." In other words, when a consumer files or re-files a valid dispute, the credit bureaus must contact the source of the credit information (the creditor) and confirm that the information is accurate, verifiable, and not obsolete. In some circumstances, the credit bureau is required to go beyond a simple verification of the creditor's own computer record. If, within 30 days, the credit bureau has not received verification from the creditor, then the credit bureau must promptly delete the credit listing. In theory and law, the process is deceptively simple, thus leading many people to think that they can easily handle this themselves "for the price of a few postage stamps." Most quickly discover that the credit bureaus have made it much more difficult than one would imagine. For help in this, we recommend using Lexington Law a professional credit report repair company. Arizona Phoenix Credit Counseling CCCS AZ consumer credit counseling Phoenix Arizona Phoenix Phoenix Arizona Free credit counseling Phoenix Az ...read more
By Consumer Credit Counseling Service 1-800-254-4100 May 09, 2011
NEWS ALERT! THE IRS IS HOLDING UP THE E-FILE PROCESS
Because congress passed a major set of tax laws on Sept 27, 2010 and Dec 17, 2010, the IRS needs to reprogram its forms and computers. So, once they have done what they need to do, we will be able to e-file the individual 2010 tax returns in by February. ...read more
By Lowy's Tax Planning & Accounting PLLC February 04, 2011
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