James Dicks's Page

I have heard it from so many people that I know and meet. Bill collectors are driving them crazy.  First and foremost, stop being embarrassed and afraid of being in the situation you are in now.  In some cases it’s not your fault and regardless it is what it is, and we need to get you out of that place and on the road to financial independence again. 

 

First thing you need to do is every time a collector calls you, put them on notice that you will no longer accept phone calls…

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The past few years have been tough economically for individuals and for business; even people who never talk about the economy are discussing it with their friends and family.   Why?  Because today’s weak economy is affecting them very negatively and directly, probably for the first times in their lives.   Many of us can probably remember our parents or grandparents talking about what they experienced during the Great Depression of the 1930s or perhaps you learned about it in school.  But…

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Most everyone today uses the Internet on a daily basis to the benefit of their personal lives as well as their businesses; but is “Big Brother” watching?  If some powerful figures in control of major Internet sites have their way in the future it is certainly a possibility. 

The Internet has never been totally anonymous based on the IP address read by the sites you visit.  But the ways in which you send emails to friends and associates or conduct business (online banking, bill pay,…

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Tough times are here and tougher times may be coming.  If you find yourself without a job during the current economic downturn, you must become as confident as you feel comfortable with (and maybe more than that) if you are ever going to gain the attention of a possible future employer. 

Look, just going to job fairs and sending your resume out over Internet probably isn’t going to be enough.  You may have already discovered that hasn’t worked for you.  So, what’s next?

I have…

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So many people today are in foreclosure around the country; the banks and the courts are really getting backed up.  If you are in this situation, you might want to approach your mortgage company and see if you qualify for a Deed in Lieu (DIL) of Foreclosure to avoid the foreclosure process.



Basically, a DIL allows the homeowner to voluntarily transfer the ownership of their property to the mortgage holder in exchange for a release from the mortgage loan and payments.  This is becoming… Continue