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JD MADDEN 3535 Inland Empire Blvd., Ontario, CA 91764 (909) 941-2501 (626) 858-2818 (909) 941-2503 (Fax) ‎ Attorney, Bankruptcy, Divorce Service, Bankruptcy Assistance, Child Custody, Bankruptcy Service, Eviction Service, Bankruptcy Help, Debt Consolidation, Child Support Lawyer ontario, california, rancho cucamonga ca, upland ca, fontana ca, riverside ca, claremont ca, montclair ca, Our team of dedicated legal professionals is well-versed in many specialized areas. We will not represent you in an area we are not experienced in. Our team brings a diverse background to the table, allowing us to represent you in many areas of law. This gives the Law Offices of JD Madden & Associates an edge when dealing with complex legal matters. Often, more than one area of expertise is required. No need to hire a multitude of attorneys. We can provide you with comprehensive legal support in many areas. The Law Offices of JD Madden & Associates offers free initial consultations. Our services include: Bankruptcy, Family Law, Evictions and More… At JD Madden & Associates, our clients come first. Every client is treated with courtesy and is guaranteed effective representation. Our expertise and integrity have earned us a reputation as one of California’s premier legal firms. Our consistent track record of uncompromising ethics instills confidence and trust. We use cutting edge technologies that allow us to respond quickly, and give you the most relevant information and perspectives. Our …

Filing for bankruptcy involves choosing between a Chapter 7 or Chapter 13 bankruptcy and should be done with the aid of a lawyer. Consider credit counseling before filing for bankruptcy with tips from a certified public accountant and credit counselor in this free video on debt management. Expert: Jerrie Guthrey Bio: Jerrie Guthrey has been a certified public accountant and credit counselor since 1992. Filmmaker: Jack Guthrey

Ontario Consumer Credit Assistance (OCCA) has been helping families solve difficult debt issues since 2002. Our dedicated and highly qualified team of credit Counselors, offer free professional advice on how to manage your debt, while making your monthly payments more affordable. Our goal is to educate, counsel, and assist our clients in developing a debt-free solution, specifically designed to meet their unique needs. OCCA’s independent status provides our Counselors with the flexibility needed to negotiate personalized payment arrangements with creditors directly, which means a perfectly tailored solution just for you! For a free, no obligation, consultation please call us toll free @ 1-866-USE-OCCA that’s 1-866-873-6222 Finally, FREEDOM FROM DEBT ROW!

www.888bankruptcy.com Sacramento bankruptcy attorney – stop foreclosure – eliminate second mortgage – Lincoln, Roseville, Rocklin, CA If you are in financial trouble, you are not alone. Each year over a million Americans file bankruptcy. If you are overextended, overwhelmed by debts, or afraid that the bank will foreclose on your home, you need to call bankruptcy attorney as soon as possible. Once a bankruptcy attorney files your case, you may be entitled to an automatic stay that will prohibit your creditors from taking any further action against you. Don’t let the situation continue to get worse or lose property unnecessarily. Your California bankruptcy attorney bankruptcy can help you decide whether Chapter 7 bankruptcy or Chapter 13 protection is right for you. Bankruptcy is a legal process by which you can deal with your debts when you can no longer pay them. Bankruptcy allows you to get most, if not all, bills discharged. You can keep most, if not all, of your property. Creditors cannot try to collect debt or sue debtor during bankruptcy.

World Law Debt Settlement focuses specifically on the process of helping our clients to become debt free. Our service provides you with a straightforward assessment of your legal rights and all your options allowed by law. When you use World Law Debt Settlement, you don’t have to make a trip into a law office; rather, you receive information according to your schedule, saving you precious time. In 1998, partners from five of the world’s leading international law firms met to discuss the impact of the Internet on the availability of legal services. From that meeting grew several software prototypes for streamlining the most common legal issues, and compiling them into complex database and delivery system. Thus the first automated system to address over 4000 common legal issues was created at worldlawdirect.com Today we’re helping to fill the need for efficient legal solutions. In addition to an expanding searchable knowledge database, our systems automatically re-route designated issues to our global law team when the need arises. We provide thorough up-to-date advice on commonly-faced legal issues in over 26 international jurisdictions including the United States. We put the expertise and resources of a global law firm to work for you. Our founding shareholder board included leading international lawyers from the US and abroad. The board worked closely with our premiere global team of Czech and Finnish computer programmers, British software analysts, and Internet systems …

Find how to Get Out of Debt Free in this 30 minute light-hearted but powerful presentation, offering a unique insight into dealing with debt, Lawfully, Honestly and Truthfully. Beat the Banks and the Debt Collectors Totally Lawfully and Get Out of Debt Free… Please visit www.getoutofdebtfree.org .. 7 Reasons why Credit Card agreements are unlawful or why you don’t owe your bank/credit card company anything …. 1. Your Credit Card Agreement is an unlawful contract as it is ONLY signed by you- constituting a unilateral agreement. Contract Law at www.getoutofdebtfree.org 2. All contracts, in order to be valid, must be signed by someone able to bind the corporation in contract. Contract Law 3. Banks create money out of thin air- they have no money to lend you. Fractional Reserve Banking at en.wikipedia.org 4. It is not possible to actually pay the outstanding amount as the currency is based on worthless paper and ‘electronic funds’ on computers. Fractional Reserve Banking at en.wikipedia.org 5. You do not have to pay statements, only invoices. Bills of Exchange Act 1882 at www.opsi.gov.uk 6. You are not lawfully bound to pay anything which is unsigned. Bills of Exchange Act 1882 at www.opsi.gov.uk 7. The uppercase name on the credit card is not your name, but a ‘corporate entity’. Blacks Law Dictionary at www.getoutofdebtfree.org ——– You do not need a degree in law to deal with banks and debt collectors, however a general understanding of some of the terms we use is …

Drowning in debt? American Legal Services PC is a debt relief agency located in Harrison Township, Michigan. If you’re thinking about bankruptcy, this is where you can get expert advice regarding your options. The experienced staff can help with foreclosures, short sales, loan modification, debt consolidation, credit card modification and many other ways to help you start fresh. Schedule a consultation to learn more! Visit us www.yellowpages.com

realestatemarketingthisweek.com – If facing financial issues make sure you hire qualified help, mortgage broker, financial planner, CPA and attorney – http Part 8 – So with the real estate market, we know here in Arizona, there are literally hundreds of thousands, maybe millions of people that are confronted with a very difficult decision, declining home values, upside down in the home, the home value is worth much less than they actually owe, we need to give them options. If the option is foreclosure, short sale or loan modification, I would take the modification approach, most likely we would have to look at a person’s situation a little bit closely, but as I am going down some of the things that we have prepared for the show today, it looks like there are four main issues that people should know they need to consider, the cancellation of debt income, capital gains tax issue, the deficiency judgments side, and the credit report side and Mike, I know you can talk to some of these things. But we brought up in the first segment what I think this might represent and then I think we started to talk about how Mike can help people minimize the impact of what that would look like on the tax return or eliminate based on the situation, so let’s make sure that the people know these four concerns are something they should consider as they seek advice. Absolutely, and it’s really important that you talk to each arm of the team. You’re not going to be able to make all of these …

Chicago bankruptcy attorney Rob Semrad of debt relief firm DebtStoppers talks about another scam draining the financial life out of our communities – debt consolidation loans. Learn more about how to avoid scams and stay out of debt on the DebtStppers website – www.debtstoppers.net Disclosure: DebtStoppers is a debt relief agency helping people find financial freedom through bankruptcy.

In desperate need of a kind soul with lots of financial knowledge and a the time to read my story.

Today, I found out the hard way that my wife of 1 year (girlfriend/fiancee of 7 years) is in a LOT of credit card debt. She had managed to keep it from me all this time but today checking the mail I saw something that peaked my interest and confronted her.

After a lot of yelling, cooler heads finally prevailed and I realized the situation needs to be addressed NOW. She has about ,000 in debt racked up among 8 different credit lines, and the interest rate on a couple of them are insanely high (20%!).

I have never had any type of financial issues so I am at a complete loss on how to handle this. As it is, the majority of her paycheck goes to just paying the minimum payments and with the high interest rates, the principal amount is barely going down. The debt will never get paid off this way!

I’ve read mixed reviews about using debt consolidation. Some say it’ll lower your payments and put everything in one convenient bill but some say it’s a total scam and will destroy your credit.

Some say Bankruptcy is a better option but at this point she’s not deliquent on any of her accounts. Like I said, she CAN pay the minimum each month, but it leaves her very little left and the debt isn’t going down very fast.

I’ve also read that you can call the various credit card companies and negotiate a lower interest rate, but I’m not sure they would do this since she’s still paying them every month.

Lastly, I heard going to the bank and trying to get a debt consolidation loan yourself is a good idea. I’m not sure if we’d get enough to cover the debt because I have no idea where her credit is at but so far this seems like the most sane idea.

Ok, that being said, please help!

We have already resolved to buckle down and do a budget. I’ve always been able to keep a budget but she can’t, but that’s going to change now that I actually KNOW about this debt. But right now I’m wondering what the best course of action is to get us out of debt ASAP! It seems that just paying the 8 credit card companies as much as we can every month will work but take a while. I’m in for the long haul but if there’s a quicker way I’m up for it!

Thanks in advance!
Thanks for you quick and concise answer to my debt question, Rick.

Just a follow up regarding consolidation: What if we were to go to the bank and get a loan for ,000 (roughly the amount owed to the credit card companies) and managed to get a lower interest rate than the credit cards? We could then pay off all the credit cards and instead have one loan with the same principal amount but a lower insterest rate. Wouldn’t that essneitally be trading the high-interest credit cards for a lower-interest loan?

Thanks again!