Home » Search "Settlement" Results

Settlement hot deals search results



 1 2 3 4 5 6 7 >  Last ›
southwest airlines settlement check
Added on : Tuesday April 22nd 2014 06:00:08 AM
g: -5 Posted By: AugustFour
Views: 265 Replies: 0 anyone received a check for southwest airlines settlement for $61.77?


Question Deals
DRAM Claim settlement
Added on : Friday March 28th 2014 01:00:07 PM
g: 0 Posted By: DaveTheStud
Views: 207 Replies: 0 Found this, definitely worth filing.

You qualify for money if you boughtDRAMorproductscontaining DRAM (computers, printers, video game consoles or other electronic devices) between 1998 and 2002.No documentation is requiredto file a claim.

http://dramclaims.com/

Minimum each person will get is $10.00 but could be more. Need to file a claim by 8/1/14. Takes a few mins to file.
Personal Finance Deals
g: 10 Posted By: remick
Views: 1325 Replies: 3 http://www.amazon.com/dp/B008CQGBXE

4.9 out of 5 stars (21 customer reviews)

Your credit history and the scores that go along with it serve as your passport to full participation in the U.S. economy. Your ability to take full advantage of numerous financial benefits will be limited, to whatever extent this passport is not in good standing.

Actually several books in one, The Newest Story of O is a concisely written and highly readable source of high-quality, how-to material, creatively connecting personal credit with debt minimization. It boldly goes where no such book has gone before, offering cutting-edge inside information, while exposing many commonly perpetuated and potentially harmful myths.

With this information at your fingertips, you will be able to convert your high-interest debt to low interest and even zero interest, paying it off in a fraction of the time. If your goal is to become debt-free or simply to improve your financial position, you wont want to miss out on what this book can teach you.

The ten-chapter framework is organized as follows: (1) How the Credit System Works, (2) How to Obtain and Understand Your Reports and Scores, (3) How to Repair Bad Credit, (4) How to Build Good Credit, (5) How to Play and Win the Credit Card Game, (6) Zero-Interest Balance Transfer Offers, (7) Low-Interest Loans and Peer-to-Peer Lending, (8) Fight and Win Against the Banks and Bureaus, (9) Tips for Making Money and Tips for Saving, (10) Ten Special Topic Area "Cheat Sheets": Bankruptcy, Credit and Marriage, Credit and Divorce, Credit Counseling, Debt Collection, Debt Consolidation, Debt Settlement Companies, Foreclosure, Home Loans and Identity Theft.

Highly accessible in its presentation of a rich font of valuable, practical knowledge, if you only buy one book on personal credit or debt reduction, this is clearly the one to get.
Totally Free Deals
g: 0 Posted By: remick
Views: 65 Replies: 0 http://www.amazon.com/dp/B008CQGBXE

4.9 out of 5 stars (21 customer reviews)

Your credit history and the scores that go along with it serve as your passport to full participation in the U.S. economy. Your ability to take full advantage of numerous financial benefits will be limited, to whatever extent this passport is not in good standing.

Actually several books in one, The Newest Story of O is a concisely written and highly readable source of high-quality, how-to material, creatively connecting personal credit with debt minimization. It boldly goes where no such book has gone before, offering cutting-edge inside information, while exposing many commonly perpetuated and potentially harmful myths.

With this information at your fingertips, you will be able to convert your high-interest debt to low interest and even zero interest, paying it off in a fraction of the time. If your goal is to become debt-free or simply to improve your financial position, you wont want to miss out on what this book can teach you.

The ten-chapter framework is organized as follows: (1) How the Credit System Works, (2) How to Obtain and Understand Your Reports and Scores, (3) How to Repair Bad Credit, (4) How to Build Good Credit, (5) How to Play and Win the Credit Card Game, (6) Zero-Interest Balance Transfer Offers, (7) Low-Interest Loans and Peer-to-Peer Lending, (8) Fight and Win Against the Banks and Bureaus, (9) Tips for Making Money and Tips for Saving, (10) Ten Special Topic Area "Cheat Sheets": Bankruptcy, Credit and Marriage, Credit and Divorce, Credit Counseling, Debt Collection, Debt Consolidation, Debt Settlement Companies, Foreclosure, Home Loans and Identity Theft.

Highly accessible in its presentation of a rich font of valuable, practical knowledge, if you only buy one book on personal credit or debt reduction, this is clearly the one to get.
Totally Free Deals
Trader Joe's Settlement - Refund for Groceries
Added on : Wednesday March 19th 2014 06:00:14 AM
g: 0 Posted By: StillCouponing
Views: 75 Replies: 0 Trader Joe's recently settled a class action lawsuit over certain Trader Joes foods that were labeled All Natural or 100% Natural but contained allegedly synthetic ingredients. The foods at issue were Joe‐Joes Chocolate Vanilla Creme Cookies, Joe‐Joes Chocolate Sandwich Creme Cookies, Trader Joes Jumbo Cinnamon Rolls, Trader Joes Buttermilk Biscuits, Trader Giottos 100% Natural Fat Free Ricotta Cheese, and Trader Joes Fresh Pressed Apple Juice. If you purchased any of these foods between October 24, 2007, and February 6, 2014, you could receive payment for anything that you purchased up to a certain amount, even if you don't have a receipt. You might be able to claim more if you actually have receipts though.

For more details, see the Trader Joe's settlement website here: https://tjallnaturalclassaction.com/mainpage/Home.aspx It explains more about the case and how to claim a refund. The deadline is June 16, 2014.
Grocery Deals
g: 8 Posted By: remick
Views: 1279 Replies: 2 http://www.amazon.com/gp/product/B00I3LIXAC

5.0 out of 5 stars (7 customer reviews)

This book will empower you with the tools you need to understand how personal injury rights and obligations arise. It will give you the tools to understand how personal injury claims are evaluated and the tools to negotiate your settlement or take the case to trial if necessary. All types of injury accidents covered from traffic accidents, to slip and falls, to dog bites and anything you can think off. You will know what to do in all types of personal injury claims and you will know how to win your personal injury claim in small claims court.

Know what your rights are after an accident
Know when you have a case
Know how to boost the value of your claim
Know how insurance companies evaluate cases
Know the dirty secrets insurance carriers don't want you to know
Know how to gather your evidence
Know what to do with the insurance questionnaires
Know what mistakes to avoid in gathering and preparing your evidence
Know how to present your small claims case in court
Know what dirty tricks insurance companies use in small claims court
Know how to prepare for your small claims hearing
Know how to get a fair settlement with the insurance carrier
Know when and how to hire an attorney

98 Chapters Total:
CHAPTER 1 -INTRODUCTION
CHAPTER 2 - WHY INSURANCE COMPANIES WANT TO SETTLE
CHAPTER 3 -WHY INSURANCE COMPANIES WANT TO SETTLE WITH YOU
CHAPTER 4 - DISCLAIMER
CHAPTER 5 - PURPOSE OF PERSONAL INJURY LAW
CHAPTER 6 RESPONSIBLE PARTIES
CHAPTER 7 - THE BIG PAYOFF MYTH
CHAPTER 8 - OUTLINE TO SETTLE YOUR CLAIM
CHAPTER 9 - WHO CAN BRING A PERSONAL INJURY CLAIM
CHAPTER 10 - PERSONAL INJURY CAUSED INTENTIONALLY
CHAPTER 11 - ROAD RAGE INJURY CLAIMS
CHAPTER 12 - UNINTENTIONAL INJURY CLAIMS
CHAPTER 13 - TRAFFIC ACCIDENTS
CHAPTER 14 - SEAT BELTS, BABY CAR SEATS AND HELMETS IN ACCIDENTS
CHAPTER 15 - BICYCLE AND MOTORCYCLE ACCIDENTS
CHAPTER 16 - PASSENGERS IN CAR ACCIDENTS
CHAPTER 17 - COMMERCIAL VEHICLE ACCIDENTS
CHAPTER 18- PUBLIC ENTITY VEHICLE ACCIDENTS
CHAPTER 19 - SECRETS INSURANCE COMPANIES DONT WANT YOU TO KNOW- DUI OR DWI DEFENDANTS
CHAPTER 20- TRAFFIC ACCIDENTS WHEN YOU HAVE NO CAR INSURANCE
CHAPTER 21 - NO DRIVERS LICENSE
CHAPTER 22 - FOREIGNERS AND UNDOCUMENTED WORKERS CLAIMS
CHAPTER 23 - DOG BITES
CHAPTER 24 - INJURIES CAUSED BY ANIMALS
CHAPTER 25 - WRONGFUL DEATH CLAIMS
CHAPTER 26 SLIP AND FALL CLAIMS
CHAPTER 27- TRIP AND FALL CASES
CHAPTER 28 - HOMEOWNERS INSURANCE
CHAPTER 29 - PREMISE LIABILITY
CHAPTER 30 - TOXIC TORTS- INJURY FROM CHEMICALS AND POLLUTANTS
CHAPTER 31- CLAIMS INVOLVING MULTIPLE DEFENDANTS
CHAPTER 32- OTHER NEGLIGENCE CASES
CHAPTER 33 - WORK ACCIDENTS
CHAPTER 34 - MEDICAL MALPRACTICE
CHAPTER 35 - DEFECTIVE PRODUCTS
CHAPTER 36 - PUBLIC ENTITIES
CHAPTER 37- CORPORATIONS AND OTHER BUSINESS ENTITIES
CHAPTER 38 - SPORT AND ENTERTAINMENT ACCIDENTS
CHAPTER 39 - CHILDREN
CHAPTER 40 - BURDEN OF PROOF
CHAPTER 41 - STATUTE OF LIMITATIONS
CHAPTER 42- INDIAN CASINOS
CHAPTER 43 - INJURIES ON MEXICAN AND CANADIAN SOIL
CHAPTER 44 - PROPERTY DAMAGE CLAIMS IN TRAFFIC ACCIDENTS
CHAPTER 45 - COMMON TYPE OF INJURIES
CHAPTER 46 - INJURIES REQUIRING SURGERY
CHAPTER 47 - CATASTROPHIC AND SEVERE INJURIES
CHAPTER 48 TYPES OF MEDICAL PROVIDERS FOR BODILY INJURIES
CHAPTER 49 - PROVING AN INJURY CLAIM
CHAPTER 50 - DEGREE OF LIABILITY
CHAPTER 51- SOCIAL MEDIA
CHAPTER 52 - OPENING A CLAIM WITH DEFENDANTS INSURANCE COMPANY
CHAPTER 53- INSURANCE CARRIER THREATENS TO CLOSE FILE
CHAPTER 54 - RESPONDING TO REQUESTS FOR INFORMATION
CHAPTER 55 - RESPONDING TO REQUESTS FOR INFORMATION FROM YOUR OWN CAR INSURANCE
CHAPTER 56- AUTO INSURANCE COVERAGE
CHAPTER 57 - SELF INSURED MOTORIST
CHAPTER 58 - INSURANCE COVERAGE IN NO FAULT STATES
CHAPTER 59 - AUTO COLLISION COVERAGE IN NO FAULT STATES
CHAPTER 60 - INSURANCE COVERAGE FOR PASSENGERS
CHAPTER 61 - HEALTH INSURANCE COVERAGE
CHAPTER 62 - DISABILITY INSURANCE
CHAPTER 63 - SEEKING MEDICAL CARE
Totally Free Deals
Free Kindle Book - Winning and Settling Your Personal Injury Claim
Added on : Friday March 14th 2014 05:00:11 AM
g: 1 Posted By: remick
Views: 172 Replies: 0 http://www.amazon.com/gp/product/B00I3LIXAC

5.0 out of 5 stars (7 customer reviews)

This book will empower you with the tools you need to understand how personal injury rights and obligations arise. It will give you the tools to understand how personal injury claims are evaluated and the tools to negotiate your settlement or take the case to trial if necessary. All types of injury accidents covered from traffic accidents, to slip and falls, to dog bites and anything you can think off. You will know what to do in all types of personal injury claims and you will know how to win your personal injury claim in small claims court.

Know what your rights are after an accident
Know when you have a case
Know how to boost the value of your claim
Know how insurance companies evaluate cases
Know the dirty secrets insurance carriers don't want you to know
Know how to gather your evidence
Know what to do with the insurance questionnaires
Know what mistakes to avoid in gathering and preparing your evidence
Know how to present your small claims case in court
Know what dirty tricks insurance companies use in small claims court
Know how to prepare for your small claims hearing
Know how to get a fair settlement with the insurance carrier
Know when and how to hire an attorney

98 Chapters Total:
CHAPTER 1 -INTRODUCTION
CHAPTER 2 - WHY INSURANCE COMPANIES WANT TO SETTLE
CHAPTER 3 -WHY INSURANCE COMPANIES WANT TO SETTLE WITH YOU
CHAPTER 4 - DISCLAIMER
CHAPTER 5 - PURPOSE OF PERSONAL INJURY LAW
CHAPTER 6 RESPONSIBLE PARTIES
CHAPTER 7 - THE BIG PAYOFF MYTH
CHAPTER 8 - OUTLINE TO SETTLE YOUR CLAIM
CHAPTER 9 - WHO CAN BRING A PERSONAL INJURY CLAIM
CHAPTER 10 - PERSONAL INJURY CAUSED INTENTIONALLY
CHAPTER 11 - ROAD RAGE INJURY CLAIMS
CHAPTER 12 - UNINTENTIONAL INJURY CLAIMS
CHAPTER 13 - TRAFFIC ACCIDENTS
CHAPTER 14 - SEAT BELTS, BABY CAR SEATS AND HELMETS IN ACCIDENTS
CHAPTER 15 - BICYCLE AND MOTORCYCLE ACCIDENTS
CHAPTER 16 - PASSENGERS IN CAR ACCIDENTS
CHAPTER 17 - COMMERCIAL VEHICLE ACCIDENTS
CHAPTER 18- PUBLIC ENTITY VEHICLE ACCIDENTS
CHAPTER 19 - SECRETS INSURANCE COMPANIES DONT WANT YOU TO KNOW- DUI OR DWI DEFENDANTS
CHAPTER 20- TRAFFIC ACCIDENTS WHEN YOU HAVE NO CAR INSURANCE
CHAPTER 21 - NO DRIVERS LICENSE
CHAPTER 22 - FOREIGNERS AND UNDOCUMENTED WORKERS CLAIMS
CHAPTER 23 - DOG BITES
CHAPTER 24 - INJURIES CAUSED BY ANIMALS
CHAPTER 25 - WRONGFUL DEATH CLAIMS
CHAPTER 26 SLIP AND FALL CLAIMS
CHAPTER 27- TRIP AND FALL CASES
CHAPTER 28 - HOMEOWNERS INSURANCE
CHAPTER 29 - PREMISE LIABILITY
CHAPTER 30 - TOXIC TORTS- INJURY FROM CHEMICALS AND POLLUTANTS
CHAPTER 31- CLAIMS INVOLVING MULTIPLE DEFENDANTS
CHAPTER 32- OTHER NEGLIGENCE CASES
CHAPTER 33 - WORK ACCIDENTS
CHAPTER 34 - MEDICAL MALPRACTICE
CHAPTER 35 - DEFECTIVE PRODUCTS
CHAPTER 36 - PUBLIC ENTITIES
CHAPTER 37- CORPORATIONS AND OTHER BUSINESS ENTITIES
CHAPTER 38 - SPORT AND ENTERTAINMENT ACCIDENTS
CHAPTER 39 - CHILDREN
CHAPTER 40 - BURDEN OF PROOF
CHAPTER 41 - STATUTE OF LIMITATIONS
CHAPTER 42- INDIAN CASINOS
CHAPTER 43 - INJURIES ON MEXICAN AND CANADIAN SOIL
CHAPTER 44 - PROPERTY DAMAGE CLAIMS IN TRAFFIC ACCIDENTS
CHAPTER 45 - COMMON TYPE OF INJURIES
CHAPTER 46 - INJURIES REQUIRING SURGERY
CHAPTER 47 - CATASTROPHIC AND SEVERE INJURIES
CHAPTER 48 TYPES OF MEDICAL PROVIDERS FOR BODILY INJURIES
CHAPTER 49 - PROVING AN INJURY CLAIM
CHAPTER 50 - DEGREE OF LIABILITY
CHAPTER 51- SOCIAL MEDIA
CHAPTER 52 - OPENING A CLAIM WITH DEFENDANTS INSURANCE COMPANY
CHAPTER 53- INSURANCE CARRIER THREATENS TO CLOSE FILE
CHAPTER 54 - RESPONDING TO REQUESTS FOR INFORMATION
CHAPTER 55 - RESPONDING TO REQUESTS FOR INFORMATION FROM YOUR OWN CAR INSURANCE
CHAPTER 56- AUTO INSURANCE COVERAGE
CHAPTER 57 - SELF INSURED MOTORIST
CHAPTER 58 - INSURANCE COVERAGE IN NO FAULT STATES
CHAPTER 59 - AUTO COLLISION COVERAGE IN NO FAULT STATES
CHAPTER 60 - INSURANCE COVERAGE FOR PASSENGERS
CHAPTER 61 - HEALTH INSURANCE COVERAGE
CHAPTER 62 - DISABILITY INSURANCE
CHAPTER 63 - SEEKING MEDICAL CARE
Totally Free Deals
Blowing the whistle on your employer for fun and profit
Added on : Friday March 07th 2014 11:00:08 AM
g: 0 Posted By: tuphat
Views: 70 Replies: 0 from Politico --

Keith Edwards, a former JPMorgan Chase employee, will be paid nearly $63.9 million for tipping off federal investigators about problems with how the bank was writing government-insured home loans, according to a court filingtoday.

The case led to a $614 million settlement between JPMorgan and federal prosecutors.

Evidence showed JPMorgan knew some loans it wrote that were insured by the Federal Housing Administration and the Department of Veterans' Affairs did not meet agency guidelines. The bank also admitted to ignoring internal reviews that flagged issues with the mortgages.

The payment to Edwards is a share of the settlement amounts due to the government agencies. Edwards receives roughly $56.4 million of the $564.6 million due to FHA, and gets another $7.4 million from the $49.4 million due to the VA loan program, according to the filing.

Edwards had originally sued the bank for defrauding taxpayers, and the Justice Department joined his case.
Personal Finance Deals
Protecting Assets Accident Exceeds Insurance
Added on : Friday March 07th 2014 07:00:13 AM
g: 0 Posted By: PersonOfDisinterest
Views: 63 Replies: 0 Hi,

I've been reading this forum for a while but this is my first time posting. I was recently in an auto accident. (I was making a left turn, the other guy sped up and ran a red. No witnesses though and California so I'm default at fault). I thought I had enough insurance coverage but it looks like it's going to exceed my limits (yes I should have had umbrella coverage). I w as wondering about protecting what little assets I have in negotiating a settlement should it come to that.

Summary:
New Wife just had a baby - on maternity leave
I work film production - job will go on hiatus soon (hope to land a pilot)
Together we will make about 80k a year when she goes back
Daycare 11k a year
We have some money saved in her 401k and my Roth.
Some money in regular stock. Not enough for a house payment though
Several thousand in credit card debt at 0%

My question is what is an insurance company capable of digging up when they determine my ability to pay and how worth it it is to negotiate with me. Should I gift stock to my baby, wife, or parents? Is there anything else I can do? How do I go about settling this sort of thing as well as I can without making it so my kid can't go to college? (And yes I'm getting recommendations for lawyers)



Personal Finance Deals
g: 0 Posted By: atikovi
Views: 51 Replies: 2 See their ads all the time. Do they take advantage of people who don't know finance, like payday lenders do, and who may havejust gotten a large settlement? If someone gets a half million settlement paid evenly over 10 years, what would JGW pay for that?
General Economics Deals
g: 0 Posted By: confused200
Views: 172 Replies: 0 I received a check from that company with no accompanying letter describing what the check is for. Below the check, there is a notion "Claim File Number' NNNNNNNNNNNNNNN. [15 digits]

On the top left of the check, there is "SVG Finance (MGC)". Anyone know what this is about? Is this from a Class Action Settlement of some sort?

TIA


Credit Deals
Rewards for reporting software piracy
Added on : Sunday February 16th 2014 08:00:11 AM
g: 0 Posted By: cameron2003
Views: 75 Replies: 0 If you are working at a company that doesn't pay their softwarelicense fees, here's your chance to profit:

https://reporting.bsa.org

~~Reward Payment Guidelines
Settlement paid by Company Potential Reward payment
$15,000 - $100,000 Up to $5,000
$100,001 - $200,000 Up to $10,000
$200,001 - $400,000 Up to $20,000
$400,001 - $600,000 Up to $30,000
$600,001 - $800,000 Up to $40,000
$800,001 - $1,000,000 Up to $50,000
$1,000,001 - $2,000,000 Up to $100,000
$2,000,001 - $3,000,000 Up to $150,000
$3,000,001 - $5,000,000 Up to $250,000
$5,000,001 - $10,000,000 Up to $500,000
$10,000,001 - $15,000,000 Up to $750,000
Over $15,000,000 Up to $1,000,000

Personal Finance Deals
Day trading and T3 Settlement Question...
Added on : Wednesday February 12th 2014 06:00:13 AM
g: 0 Posted By: thomas7729
Views: 114 Replies: 1 So, I have done some research on this question, and keep getting conflicting answers. How does day trading work with the 3 day settlement issue? To make my question more clear, I will give two hypothetical examples.

1. Say you have $30,000(more than 25k minimum). You want to use all $30,000 in every trade you do(again hypothetical). Can you flip this $30,000 as many times as you want in a given day. Buy Sell Buy Sell Buy Sell Etc... all in one day?

2. Say you have $5,000 but you are in a margin account with a buying power of $10,000. Can you flip the $10,000 as many times as you want with OVERNIGHT trades? Buy first day, Sell second day, Buy second day, Sell third day, Buy third day, ect.... Or is this free riding and not allowed, even though it is in a margin account?

Thanks
Investing Deals
Getting collections removed from my CC by paying them off, any advice?
Added on : Tuesday February 11th 2014 12:00:19 AM
g: 0 Posted By: SweetBearCub
Views: 79 Replies: 3 Greetings.

In total, I owe about $2,000-$2,500 in collection accounts on my credit reports. Though I have several credit cards open in good standing, my credit remains in the low to mid 600's, and I am hoping that paying off all of my collection accounts will raise that score. However, I have heard that collection companies will not necessarily remove collection accounts from a report after payment, but only mark them as paid. I would prefer that they get removed entirely.

I owe about $862 to a creditor, and received a settlement offer of $362, if I pay it within the next 9 days. Should I take this offer? Should I first send some kind of agreement that the collection account be completely removed? How should I word it? What are the chances that the collection agencies would agree to it?

Also, the $500 off offer only applies to this one specific creditor right now. Are my chances good that if I offer other creditors a similar unsolicited offer of 40% of the original debts and a similar "remove completely" agreement that they will accept?

Thanks!

New User Question Deals
Looking for new vehicle......
Added on : Thursday February 06th 2014 10:00:18 AM
g: 0 Posted By: ZDog377
Views: 70 Replies: 2 My wife is soon to get an insurance settlement from an accident that she was in January of last year. We will have about $10,000 to purchase a vehicle with once it is all said and done. I'm looking for suggestions on what to get since we haven't purchased a car in a while.
Requirements:

- 3rd row seating (we will have 3 kids soon and one of the current kids is still in a car seat)
- Can pull a small trailer (4x8 size, just drywall and small stuff from Lowe's)
- Easy to repair. I do most things myself such as brakes and oil changes. I just don't want something that's known to need $5,000 of repairs at 100K miles.

We've looked at mini-vans and don't know which ones are good and which ones are not. There are lots of Chryslers out there, but not many Hondas and Kias.

Thank you in advance for the help.......
Cashed someone else's check
Added on : Thursday February 06th 2014 04:00:17 AM
g: 0 Posted By: kevtin
Views: 243 Replies: 12 Hello everyone. 4 years ago I bought a house in a particular nasty short sale. The gist of it was the seller made some misrepresentations regarding the taxes which my attorney missed (this was a new construction, and this was a spec house the seller built). The details are irrelevant, but resulted in some maneuvering with the bank that held the sellers mortgage.

Fast forward 3 years to last spring, and out of the blue I received a letter and a check from that bank in the mail. I know I messed up here, but I saw the amount ($1000) and was so excited, I really only glanced at the actual letter and saw it was some sort of refund due do to a legal settlement. Enough words stood out that I just assumed it was related to my previous tax situation. I signed the back of the check and, along with other checks, deposited it from home using my scanner. I put the checks in a pile while I waited to make sure all the checks cleared.

A couple of weeks later, I was cleaning up my desk, and I was shredding all those check when I saw the check was not made out to me, but to the guy who I bought the house from. I had already tossed the letter that came with the check, but I thought back and think it must of been some settlement sue to some sort of lending practices. I immediately called the bank who sent the check, but not even knowing what part of the bank it came from, I never got anyone who could help me "undo" the deposit. I sent a letter to the guy who sold me the house to the only address I could find on any of my closing statements, but never heard anything (it seemed to be an office). I googled the guy looking for a current address and didn't find anything. Eventually I gave up, figuring I tried my best, and although two wrongs don't make a right, the guy did screw me out of a few thousand dollars. I sort of forgot about it

Yesterday, I received a letter addressed to this guy (my addreess) from the bank. I opened it (as opposed to destroying it), and it was a 1099 for the $1000 for the guy. I now am a little worried. I know I did something wrong depositing this guys check (honest mistake, though no one will believe that, I signed MY name on the back), but I felt like I did my job to make it right.

So my question is, a) whats my liability here, legally and b) should I just move along and hope I never hear from the guy?

Thanks!

Personal Finance Deals
Maximizing my ESPP
Added on : Sunday February 02nd 2014 10:00:12 PM
g: 0 Posted By: kchunk
Views: 2 Replies: 0 I've read through a lot of threads here onEmployee Stock Purchase Plansand learned quite a bit. Currently I'm contributing $100 to my ESPP and holding long. Turns out this may not be my best option. I want to see if I can get a little help here.

Plan highlights:

10% discount
Stock is purchased on the last day of the month at "fair market price" for that day (fair market is determined by the mean of the highest and lowest price).
Can purchase $25k/year in fair market value.
No restriction on the sale of shares <---I think this is what makes this a good deal
Fidelity NetBenefits commission is $38 to sell.


So here's what I'm thinking, please correct me if I'm wrong...if I increase my contribution to $5625/mo for 4 months, at the end ofeach month (after settlement) immediately sell the shares for approx $6250 (fair market value), I'll pocket $587 ($624-$38 commission).Roughly $2350 anually...of course subject to ordinay income tax rate.

I think the additional record keeping and tax implications should be worth it. No?
Question Deals
Car Accident Law suit?
Added on : Sunday February 02nd 2014 01:00:04 PM
g: 0 Posted By: AMV75
Views: 4 Replies: 0 My wife was in a accident a week ago, she was traveling home from work on the expressway and was rear ended, she was behind a salt truck moving at 45 mph, the car that struck her was moving at 60 mph, she spun out of control hitting the side rails several times, our 2013 Kia was a complete loss. payoff amount $13,500. The cops came on seen and sighted the other driver 100% in fault of the accident. I took my wife to the emergency room where she had a M.R.I. and x-rays. She suffers from severe whip lash and bruising from the airbag impact. Her doctor took her off work for at-least 3 weeks and recommended physical therapy. Her 1st day of therapy will be on Monday. She earns a salary of $80,000 annually. I contacted an attorney and he really wants the case, but they take 33% and I would like to get a settlement without the use of an attorney... according to my research this is what attorneys do....

Obtain and review the Accident Report
Speak to the investigating officer
Locate witnesses
Obtain photographs of the vehicles involved
Review your medical records
Speak to your doctor
Review your medical bills
Communication with the insurance company
Review potential lost wages
Review the at-fault drivers driving record
Review the at-fault drivers criminal record
Negotiate a settlement
File a lawsuit only if necessary

and in the state of Ohio where the accident happened these are the different things we can go after money for.....I am reaching out to anyone who wants to offer an opinion on how much I should ask for or accept from the insurance company (Progressive) in total for all of these items, I have included estimated cost for what I know so far..

Medical treatment expenses ($5,000)
Income loss from missing work ($6,000 and counting)
Pain and suffering (????)
Emotional distress (????, she is terrified to drive in snowy weather)
Loss of enjoyment (????,she will not be able to see her son wrestle in at-least 3 big tournaments,)
Property loss ($13,500)
Punitive damages (????)

thanks in advance, and ask any questions you need to help me figure this out.


Personal Finance Deals
Going with online lender vs local lender, what am I missing??
Added on : Monday January 27th 2014 08:00:11 AM
g: 0 Posted By: Charles1
Views: 90 Replies: 1 We are buying our first home and picking the right loan is becoming very frustrating. We plan on moving again in 6-10 years (when our then children are of school age) and we would like to save $$ on interest right now.
Our lowest middle credit score is 692.

We were quoted 3.625% for the 7/1 ARM by both lenders. Buyer pays PMI, monthly, and those numbers are within $10 of each other.

We have a quote from a local lender who is affiliated with our buyer's agent:
Origination fee $700
Appraisal $450
Title insurance - lender coverage - $275
Title insurance (seller pays) owner's coverage $850
Closing/Escrow/ Settlement $325
Recording fee $100

I called a company similar to AIMLoan (US Wide Financial) and they told me they do not charge any origination fee. Their interest rate and monthly payment breakdown are identical (+/-$20) as the local lender. I told them our credit info, house price, etc and he said they can do all the paperwork now and lock it in, sounds like the same deal but $700 cheaper.

Am I missing something? Our buyer's agent told us most realtors "frown" on internet lenders like AIM Loan especially when they are used for pre approval letters.

Personal Finance Deals
Prosper Class Action - Summary Notice of Class Action
Added on : Saturday January 25th 2014 01:00:13 AM
g: 0 Posted By: Greatness
Views: 42 Replies: 0 NOTICE TO CLASS MEMBERS
Hellum et al. v. Prosper Marketplace, Inc., et al., Civ. No. 482329

TO: ALL PERSONS WHO PURCHASED LOAN NOTES (NOTES) THROUGH PROSPERS LOAN UNDERWRITING AND SALES MARKETPLACE AT WWW.PROSPER.COM DURING THE PERIOD FROM JANUARY 1, 2006 THROUGH OCTOBER 14, 2008 (CLASS PERIOD), EXCLUDING DEFENDANTS, THEIR EMPLOYEES, AND MEMBERS OF DEFENDANTS FAMILIES.

PLEASE READ THIS NOTICE CAREFULLY AND IN ITS ENTIRETY. YOUR RIGHTS MAY BE AFFECTED BY PROCEEDINGS IN THIS LITIGATION.

If you purchased a Note sold by Prosper during the Class Period, you could get a payment from a class action settlement (the Settlement). The Settlement website is www.ProsperClassAction.com.

Attached to this email is a copy of the Notice to Class Members, which details your legal rights and options in this settlement. Please read this Notice carefully. You can also view a copy of this notice on the settlement website www.ProsperClassAction.com.

For more information please visit our website www.ProsperClassAction.com or call 1-866-274-4004.
Financial Advice After Insurance Settlement
Added on : Monday January 20th 2014 06:00:08 PM
g: 0 Posted By: tylerAlwaysAdvancing
Views: 83 Replies: 1 First off, thanks for taking the time to read this and respond with any advice. I am a 23 year old recent college graduate. I am engaged and work as a region rep for my fathers small business he started 14 years ago. I rent an apartment with hopes of buying a home in Summer 14.

Recently I was involved in an wheeler accident with zero fault on my part. I suffered back injuries, nothing major but still very much so significant. I am expecting anywhere from 300k-600k in a settlement. I have a top attorney doing his job, all the information has been provided its in their hands.

I am wanting advice on options for me and my soon to be family here in the near future. I have zero college loans or credit debt. I own my current car (after the accident took mine and left me with cash to buy another). I currently have no investments, savings, retirement funds or anything. I have roughly 10k in the bank and my fiance is a school teacher making a living while having no expenses all through hs/college/and young profession other than a car payment. (scholarship, no school debt) she has a nice sum in her bank. I will make around 50k this year and should increase 15-20% a year after that.

The #1 thing to do is purchase my first home. I believe it is in my best interest to purchase my home by paying cash without worrying about mortgages. My budget we will say is 250k.
After that I am running laps around my head trying to figure out what to do first; insurance, retirement, investments, kids college funds etc. and how much to really dive into that right away.

Obviously I need money set aside if my back injury takes a bad turn later down the road.. I will eventually own my fathers company and insurance won't be easy to come by (fiance dreams of stay a home mom) I want to be as prepared as possible going into this.

Any advice would be appreciated.
Personal Finance Deals
Entitle Direct
Added on : Monday January 20th 2014 05:00:10 AM
g: 0 Posted By: elptrainerny
Views: 32 Replies: 0 For those who used Entitle Direct do they do simply the title search, or do they replace the need for the attorney doing the closing as well (for those with a straight forward sale)?
----------------------------------------------------------------------

ENTITLE DIRECT provides settlement services with the capability of closing purchase, sale, and refinance transactions in a location near you. However, you may wish to utilize your own settlement services provider (who in many cases may be your attorney), to assist in your closing. Also, ENTITLE DIRECT cannot provide you with legal advice, and if you have legal questions related to your closing, you should consult an attorney.


General Economics Deals
taxes for a first time landlord
Added on : Saturday January 18th 2014 06:00:12 PM
g: 1 Posted By: psychtobe
Views: 210 Replies: 3 Savvy FWF real estate investors,

Can you provide any general corrections to my rudimentary understanding based on internet research and a quick book skim?

Property: a second home purchased as a rental/investment property in July 2013, $26,500 down and $160,000 borrowed (documented loan from a family member, 12 years 3.25%). We have a property manager who charges $399 to place a tenant and $100 per month. The property was rented at the end of August 2013.

Expenses and Income (I tried to group by category):

$3000 improvements (new shower/bathroom update)
$3000 repairs
$400 insurance
$1000 taxes
$1800 interest
$600 pre-purchase inspections
$500 settlement charges

$400 pre-rental cleaning, etc
$800 property management fees

$5300 total rent

This is what I believe I understand:
1. I cannot deduct any passive income against my personal income because I am not an active property manager nor a real estate professional; and also because my income is greater than $150k.
2. I can deduct depreciation of the property structure (but not the land) as part of my expenses. I can also deduct the cost of the $3000 improvement but must do so on a depreciation schedule. If I do either of these then I will have to pay tax on the lower cost basis when I sell the property.
3. All of the costs I've listed above are deductible against any income I've received, obviously excepting the purchase price (down payment and principal payment) of the property. I can also deduct mileage for travel to/from the property.

Questions:
1. Obviously I have more expenses than income in 2013. Am I able to carry forward some or all of those unused expenses for 2014 and later? The internets says I can.
2. Am I correct in understanding that I cannot count any of these excess losses against my personal income for the reasons stated above?
3. Can I carry forward losses to use against future price appreciation of the property such that when I sell it, if it has risen in price, I can mitigate any taxes owed?
4. Are any of the expenses I've listed above 'not acceptable' for the purposes of calculating my losses?
5. If I do depreciate the structure and/or the improvements, and then I move into the property for at least 2 of the previous 5 years before selling it in the future, have I just completely avoided paying tax (because of the capital gains exemption for a primary residence of $500k for a married couple)?
6. Is TaxAct Deluxe going to adequately walk me through my scenario? What are my alternatives? I'm not too interested in finding a good CPA.

thank you!

Tax Deals
About structured settlement sale
Added on : Sunday January 05th 2014 11:00:05 PM
g: 0 Posted By: kathytmanson
Views: 49 Replies: 0 I have a structured settlement worth 5000$
Now I want to have some quick money as my financial condition is getting worsened.
Should I sell my structured settlement for having some quick money? Which is the best place for doing so around greater Los Angeles?
New User Question Deals
US Army Caught Pirating $180M in Software to save a buck
Added on : Thursday January 02nd 2014 01:00:04 PM
g: -1 Posted By: josh4606
Views: 63 Replies: 0 The US Army was recently caught pirating $180 million in software from a company named Apptricity. The Army ended up settling out of court for $50 million, which essentially meant a 73% discount on what it would have paid for Apptricity's services under fair circumstances. Lissette Padilla and Elliot Hills discuss how this settlement ended up saving taxpayers $130 million in this clip from the Lip News.

https://www.youtube.com/watch?v=uHbBtr0N4sc

Discussion Deals
Possible settlement with ex-employer what to ask about
Added on : Saturday December 28th 2013 07:00:13 AM
g: 2 Posted By: 77Rus
Views: 200 Replies: 6 Was asked to resign or to be terminated on the spot in October after spending 8+ years with a large company (internal IT department).
Took my case to Equal Employment Opportunity Commission (the only Russian-American of 700 people; new CIO with 12 years of military service during Cold War got totally crazy after finding out that I have concealed weapon permit and allowed to keep firearms in my car after a newstate gun law took effect in August told everybody that I will be killing people one day; started lying about me to senior management; made me to resign after Ive complained to CEO; when still employed for another 3 weeks, they ordered a security with a revolver to escort me to my car in front of everybody first time in history).

We will have mediation at some point in about 2 months. I want my job back. CEO has called me that they can't - CIO doesn't want me. EEOC folkssee a constructive discharge, and said that unless the company takes me back, they will have to offer me a financial compensation of some sort (the company is extremely profitable, but it is not the point Id rather take my job back ).

The question I have, dear FW people: what is right compensation to ask about if they dont take me back? I dont have a job since then (may get it next month), not eligible for unemployment, no health insurance etc. Somebody said I can only ask for actual financial damages. Another person said to ask for 12 months of pay (I was making around $42K plus overtime). Another person said to sue hell out of them, including punitive damages. Unless they object and the case goes to court, I will be glad to settle for 12 months pay. Do you think it is reasonable? Anybody has experience with EEOC mediation process?
Thank you
Personal Finance Deals
How does "Paid in full" vs "Paid settlement amount" affect credit score?
Added on : Friday December 27th 2013 10:00:15 AM
g: 0 Posted By: tjo
Views: 0 Replies: 0 Kid's credit is messed up partly due to medical issues. I'm trying to help him out. One of the past due accounts was turned over to a collection company that says it can accept 1200.00 on the 1600.00 balance due if paid immediately. They said it would show as "paid settlement amount" not "paid in full" on his credit score. Is it better to pay the full balance over to years-no interest is applied or the 1200.00 now as far as re builbing his credit score?
g: 0 Posted By: LordB
Views: 151 Replies: 0 "If you entered into a credit card purchase transation in a Massachusetts Koh's store between April16 2009 and November 26,2013 and Kohl's requested and recorded your personal identification infromatation such as zip code, telephone number, residential address or email address you are hereby etc. etc. (see image).

Unclear if this was for using a regular credit card or the "Kohls card".

I would give more info, but the webpage they link to isn't up yet (not very professional).

Webpage (for whenever they get around to adding it: http://www.brennersettlement.com/


General Economics Deals
Discover card class action lawsuit settlement.
Added on : Saturday November 30th 2013 08:00:11 AM
g: 0 Posted By: king0fSpades
Views: 82 Replies: 0 http://www.steinfeldtcpasettlement.com
Credit Deals
g: 1 Posted By: remick
Views: 144 Replies: 0 http://www.amazon.com/Useful-Equations-Calculator-Civil-Exam-ebook/dp/B00D3ANVSW

Solve problems with ease. The equations in this book are relevant to the following subjects:

Geotechnical
Moisture content, dry density, void ratio, degree of saturation, relative density of soil, borrow soil, flow net, laboratory permeability tests, and effective stress
Shear strength and angle of internal friction for triaxial test
Net and ultimate bearing capacities of square, continuous, and circular footings with or without water table
Active, passive, and at-rest lateral forces per unit length of wall with surcharge load and water table, and lateral force per unit length of wall for sloping backfill and vertical wall
Gross and net bearing capacity of mat foundation in saturated clay, and depth of fully compensated mat foundation
Factor of safety against overturning and sliding of retaining walls, maximum stress at the toe, and minimum stress at the heel
Settlement of normally consolidated clay with up to 4 layers of soil given surcharge load, settlement at the center and corner of mat foundation, time rate of settlement, slope stability in saturated clay, and cyclic stress ratio
2-strut braced cut for sand, soft to medium clay, and stiff clay
Skin friction resistance, end-bearing and allowable capacities of single pile in sand or clay

Water Resources and Environmental
Pitot tube, venturi meter, and orifice
Reynolds number, friction factor, head loss using Darcy-Weisbach equation or Hazen-Williams equation, Bernoulli equation with 2 different pipe sizes, pump head, and head loss due to fittings
Open channels using Manning equation for circular, rectangular, and trapezoidal channels
Flow rate and velocity of flow for circular channel when flowing full or partially full just by entering diameter of pipe, depth of water, Mannings n, constant, and slope of energy line (no need to look up tables!!!)
Flow rate and velocity of flow for trapezoidal channel just by entering depth of water, base width of channel, side slope horizontal, Mannings n, constant, and slope of energy line
Chemical feed rate
Rapid mixing
Overflow rate
Detention time
Weir loading rate

Transportation
Sight distance and stopping sight distance
Radius of curve, tangent of curve, length of curve, middle ordinate, and external distance of horizontal curve
Stopping sight distance, passing sight distance, curve elevation, stationing of highest or lowest point of curve, and vertical clearance
Flexible and rigid pavement design

Structural
Maximum moment of simply supported and cantilever beams, moment of inertia for I-beam, T-beam, and inverted T-beam using parallel axis theorem, maximum bending stresses, and deflection of beam

This book contains 200 equations with keystrokes included for HP 35s and HP 33s calculators plus sample problems with step-by-step solutions.
Books Deals

Amazon Coupons
Bank offered Mortgage Refi - But now its not as it seemed
Added on : Friday November 22nd 2013 03:00:12 AM
g: 0 Posted By: NonReturnable
Views: 134 Replies: 2 I was at my bank about a week ago to withdraw some money for a potential purchase I was going to make on craigslist.

The lady processing my transaction was the branch loan officer. She noticed I had a home loan while looking at my account, and asked if I'd considered refinancing.

I looked into it about 2 years ago, but it was going to cost me several grand out of pocket, and since we don't plan on living there more than another few years, it didn't seem worth it.

She explained that the process had changed, and they can now do refinancing without closing costs or other costs. She said it would not cost me for the refinance, did some calculations, and showed me they could drop my mortgage from a 30 year to a 20 year with a better interest rate and that my monthly would stay the same.

My thinking was - I could pay the same monthly and when I go to sell I have more of it payed down, so more money in my pocket when we sell.

I email her copies of my W2s and pay stubs.

Yesterday I get some paperwork in the mail. Including paperwork for a home equity loan, which I did not ask for, paperwork advising me that I should pay $80 for a lawyer through the bank to help with this process, and a Good Faith Estimate showing me the refi will cost me $700 in settlement charges.

I'm quite pissed off right now. This is not what the loan officer said it was. I did not want an equity loan, nor would I pay $700 out of pocket. I don't have $700 to fork over on this right now.

At this point, I'm going to call her and tell her to shove this new loan up her ass.

But, before I do, do I have any other options? Can I haggle into getting the settlement charges dropped (as they had said there would not be any to begin with).
Or, should I just drop this whole thing?

Edit - Just got off the phone with the bank. Loan officer is going to give me a call in an hour after she's off a conference call.
The person I spoke with explained that the "Settlement charges" were not a cost to me, it was something the bank pays, but they had to disclose it to me.
And, that the refi loan actually IS a home equity loan, for the cost of the house.

Still a bit unsure about this. I want to go through the paperwork with the loan officer and have it all explained to me first.
Question Deals
Steinfeld v. Discover settlement
Added on : Wednesday November 20th 2013 04:00:08 PM
g: 0 Posted By: flwsoldier
Views: 14 Replies: 0 An e-mail came to my spam folder today about a Discover card settlement with estimated payouts between $20 and $40.
It doesn't look like it's possible to file the claim form online yet. "This functionality will be available at a later date."

I was lucky enough to get several hundred dollars in the Chase Payment Protector settlement, I'm not hopeful that will happen here, but ever since then I always join the class actions
email said: IF YOU RECEIVED A CALL THROUGH THE USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM AND/OR A PRERECORDED VOICE FROM DISCOVER TO YOUR CELLULAR TELEPHONE BETWEEN NOVEMBER 30, 2007 AND SEPTEMBER 10, 2013, THIS NOTICE DESCRIBES YOUR RIGHTS IN CONNECTION WITH SETTLEMENT OF A LAWSUIT AND YOUR POTENTIAL RECOVERY.
You may be entitled to a payment under a proposed class action settlement. In the lawsuit entitled Andrew Steinfeld v. Discover Financial Services, et al., U.S.D.C., Northern District of California Case No. 3:12-cv-01118-JSW (the Action), Plaintiffs claim that Discover Financial Services or related parties (including Discover Bank, The Student Loan Corporation and Discover Home Loans) (Discover) violated the Telephone Consumer Protection Act, 47 U.S.C. 227, et seq. (the TCPA), by placing calls on or after November 30, 2007 to cellular telephones through the use of an automatic telephone dialing system or an artificial or prerecorded voice without the prior express consent of Plaintiffs and the putative class members. Discover denies these claims and denies any claim of wrongdoing. The Court has not decided who is right. However, in settlement of the Action, Discover has agreed to implement practice changes and establish a settlement fund of $8.7 million. This notice is only a summary. Details of the settlement, including information on how to file a claim, are available at www.SteinfeldTCPASettlement.com or by writing to or calling the Claims Administrator at the address or toll-free number below.

Discovers records indicate that you may be a member of the Settlement Class because Discover may have placed a call to your cellular telephone number using an automatic telephone dialing system or an artificial or prerecorded voice at some time between November 30, 2007 and September 10, 2013. Settlement Class Members may (1) submit Revocation Request Forms requesting that Discover cease making calls to their cellular telephone numbers using an automatic telephone dialing system or an artificial or prerecorded voice, (2) submit Claim Forms requesting money from the settlement in the form of a check or in the form of a one-time credit against the balance of their Discover credit card account, (3) exclude themselves from the settlement, (4) object to the settlement, and/or (5) do nothing. Class Counsel estimate that settlement payments or credits will be between $20 and $40, but could be more or less based on factors including the number of claims submitted.

You cannot receive a payment unless your claim is received by February 25, 2014. In addition to payments to the Settlement Class Members, the settlement provides for not more than $2,175,000 in attorneys fees and costs and $2,000 in service awards for the two representative plaintiffs to be sought from the Court by counsel for the Settlement Class. In the event that there are any remaining monies from uncashed checks totaling $50,000 or less, such monies will be paid to charity.

If you do not want to be legally bound by the settlement, you may opt out of the settlement by sending a request for exclusion to the Claims Administrator postmarked no later than January 13, 2014. If you exclude yourself from the settlement, you will not receive any money or other benefits from the settlement. If you stay in the settlement (i.e. do not exclude yourself from the settlement), you may object to the settlement by explaining in writing why you do not like the settlement postmarked no later than January 13, 2014. You will be bound by the settlement if your objection is rejected. If you do nothing (i.e. submit no claim or request for exclusion) you will not receive any benefits from the settlement but will nevertheless be bound by the settlement. All Settlement Class Members who do not exclude themselves will be bound by any judgment approving the settlement and will give up any right to sue Discover or related parties for any known or unknown claims relating to calls made to their cellular telephone numbers, including alleged violations of the TCPA.

TO OBTAIN FULL INSTRUCTIONS FOR EXCLUDING YOURSELF, FILING AN OBJECTION, SUBMITTING A REVOCATION REQUEST FORM, OR SUBMITTING A CLAIM FORM, GO TO WWW.STEINFELDTCPASETTLEMENT.COM, OR WRITE OR CALL THE CLAIMS ADMINISTRATOR AT STEINFELD TCPA CLAIMS ADMINISTRATOR, P.O. BOX 43209, PROVIDENCE, RI 02940-3209 OR 1-800-248-1796 (TOLL-FREE).




Credit Deals
JP Morgan agrees to $1.5 billion reduction of principal on mortgages
Added on : Tuesday November 19th 2013 07:00:10 PM
g: 0 Posted By: bighitter
Views: 0 Replies: 0 As part of today's announcedgovernment settlement of charges with JP Morgan Chase,$4 billion in aid to homeowners is required. At least $1.5 billion of the settlement is to be directed to borrowers who owe more than their property is worth (to reduce their loan balance). An additional $300 - $500 million must be used to make homeowner's monthly housing expense more affordable, such as reducing a homeowner's monthly mortgage payment. According to the wall street journal, an independent monitor will oversee the $4 billion in consumer relief to ensure it is completed by the end of 2016.

I haven't seen anything reported yet on the details of "who" or "how" the recipients will be chosen. Stay tuned.








Discussion Deals
'How Big Banks Killed a Plan to Speed Up Money Transfers'
Added on : Friday November 15th 2013 02:00:04 AM
g: 1 Posted By: tuphat
Views: 78 Replies: 0 From Payments trade website. Excerpt below, link to full article:http://www.paymentssource.com/news/how-big-banks-killed-a-plan-to-speed-up-money-transfers-3016022-1.html?zkPrintable=1&nopagination=1

More than two years ago, the staff of Nacha, the industry-owned group that sets the rules for the automated clearing house network, decided it was time to modernize the system. The group's proposal was far more modest than the near-real-time systems that now exist in numerous other countries. If a U.S. bank submitted a payment before 2 p.m. Eastern time on a weekday, it would be settled around 5 p.m., rather than waiting until the following weekday, or perhaps the day after that.

The plan, known as Expedited Processing and Settlement, may not have been a step into 21st Century, but at least it would remodel a system built in the 1970s and 1980s.

But even this incremental move was too much change for a bloc of big banks that played a decisive role in torpedoing the proposal in a vote in August of last year.The episode, which happened mostly outside of public view, demonstrated the enormous power that a small number of large commercial banks wield over the U.S. payments system. Their interests prevailed over the wishes of many smaller banks, corporations, and consumers, all of whom would benefit from a faster, broadly accessible way to make electronic payments. And because Nacha's balloting process is shrouded in secrecy, these large banks didn't leave any fingerprints.
Discussion Deals
g: 9 Posted By: archena
Views: 1007 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Financial Bondage: How to Quit Getting Screwed on the Ugly Side of Capitalism and Enjoy Real Freedom [Kindle Edition] was $9.99

Anonymous Debtors (Author)

http://www.amazon.com/dp/B00FG9B9DW

Publication Date: June 5, 2012

Publisher: Street Smart Publishing

2 Reviews ★★★★★

#9 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Youll be shocked to know whos actually in Financial Bondage and who wants to keep people there as well as the tricks, techniques, and strategies used to capture millions of Americans.

What if you could break free? What if someone told you how the game really worked?

It is a common belief that just the foolish end up in Financial Bondage, but thats a myth. The part that may surprise you is that the vast majority of Americans are involved whether they are poor or wealthy. You might also be shocked to know your bank account or lack of it is not the only determining factor of Financial Bondage.

Youll learn symptoms of Financial Bondage and the four ways people can end up there. In Accidental Teachings, well look at why we learn so many false beliefs about money and perpetuate them as the truth. In The Truth, well talk about the real teachings regarding money. Fighting Back presents some clear strategies for those who want to free themselves from debt, including $214,000 of actual debt settlement for an average of 19%. Escaping is all about changing your financial mentality for good. And finally, Real Freedom, will leave you with a good understanding of what that is and will inspire you to get there as soon as you can so you enjoy your life even more.

You dont have to suffer in Financial Bondage anymore. No matter how bad your Financial Bondage is, it is possible to break free. You can feel an enormous release of stress and a new peace in your life.
Totally Free Deals
g: 0 Posted By: archena
Views: 86 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Financial Bondage: How to Quit Getting Screwed on the Ugly Side of Capitalism and Enjoy Real Freedom [Kindle Edition] was $9.99

Anonymous Debtors (Author)

http://www.amazon.com/dp/B00FG9B9DW

Publication Date: June 5, 2012

Publisher: Street Smart Publishing

2 Reviews ★★★★★

#9 in Kindle Store > Kindle eBooks > Business & Investing > Personal Finance > Money Management

Youll be shocked to know whos actually in Financial Bondage and who wants to keep people there as well as the tricks, techniques, and strategies used to capture millions of Americans.

What if you could break free? What if someone told you how the game really worked?

It is a common belief that just the foolish end up in Financial Bondage, but thats a myth. The part that may surprise you is that the vast majority of Americans are involved whether they are poor or wealthy. You might also be shocked to know your bank account or lack of it is not the only determining factor of Financial Bondage.

Youll learn symptoms of Financial Bondage and the four ways people can end up there. In Accidental Teachings, well look at why we learn so many false beliefs about money and perpetuate them as the truth. In The Truth, well talk about the real teachings regarding money. Fighting Back presents some clear strategies for those who want to free themselves from debt, including $214,000 of actual debt settlement for an average of 19%. Escaping is all about changing your financial mentality for good. And finally, Real Freedom, will leave you with a good understanding of what that is and will inspire you to get there as soon as you can so you enjoy your life even more.

You dont have to suffer in Financial Bondage anymore. No matter how bad your Financial Bondage is, it is possible to break free. You can feel an enormous release of stress and a new peace in your life.
Totally Free Deals
Which settlement co's Penfed uses?
Added on : Thursday October 31st 2013 12:00:08 PM
g: 0 Posted By: finddeals2
Views: 103 Replies: 0 Hi:

I am considering going for the Penfed 5/5 program. It requires the use of their preferred title co for closings.
I am looking for homes in Phoenix metro area. While putting in the offer the Title/Closing Co is required to be stated in the offer contract as they will be holding the escrow.

Does anyone know who it might be in Phoenix metro area?

I called Penfed, and was told a closing agent is assigned when the loan is being processed.

Thanks in advance





Personal Finance Deals
Commercial forclosure, can buyer collect rent before settlement?
Added on : Thursday October 03rd 2013 04:00:10 PM
g: 0 Posted By: atikovi
Views: 65 Replies: 0 There is a commercial property coming up for forclosure sale. The terms specify that the successful bidder is to secure the property after the sale and is responsible for the premises even though settlement could be months away. The property is currently leased out. Is the buyer entitled to the rent as of the date of the forclosure sale? How can you tell the tenant to start paying you the rent from now on?
Personal Finance Deals
Apple Settlement: upto $300 for water sensor
Added on : Saturday September 28th 2013 10:00:03 AM
g: 0 Posted By: javaman2003
Views: 52 Replies: 0 Welcome to the Home Page of the In re Apple iPhone/iPod touch Warranty Litigation Settlement Website.

Case No. 3:10-cv-01610-RS

https://www.applewarrantysettlement.com/Home.aspx

I think the website gives you the complete explanation.

Please check it out.
Deal Deals
UPDATE: Delta refusing compensation under EC-regulation 261/2004
Added on : Wednesday September 25th 2013 05:00:08 PM
g: 2 Posted By: fields89
Views: 86 Replies: 0 Here is an update to my archived post. (Only posted 757 days ago!)


Delta refused to cooperate with me, so I ended up hiring a law firm that specialized in EC-regulation 261/2004 cases. Delta didn't respond to their demand letters, but they sent out a settlement agreement when my lawyers filed in court. I'm waiting on a translated copy of the settlement, but Delta should be 600 euro in pretty soon.
Discussion Deals
"Oh no I am being audited - now what?"
Added on : Monday September 23rd 2013 06:00:05 PM
g: 0 Posted By: needhelpplease
Views: 164 Replies: 1 Got a audit letter from Arizona DOR. Don't have a receipt/proof for about a$1000 credit from several years ago. AmI screwed for interest+ penalties per http://www.azdor.gov/Audits/IndividualAudits.aspx ?

Should I call the auditor myselfto discuss a settlement for a lost receipt.I know it's a lame excusebutit'seither that or I shouldn't have claimed it. Not sure what the penalties would be or if it's worth it to hiresomeone forsomething I can't substantiate

or just pay the" assessment"in 30 days (they seem to want you to call 1st)?


Tax Deals
WM MO gone bad - funds deducted yet transaction declined
Added on : Monday September 09th 2013 03:00:05 PM
g: 0 Posted By: gruntwork
Views: 266 Replies: 1 I was using Metabank VISA to purchase MO from WM. PIN and everything was set correctly, however the transaction was declined with code 51 (insufficient funds). I paid with second card and transaction went through. However when I checked the online statement, the card showed the there was a PIN purchase and entire transaction amount was deducted. This is not an authorization hold, the money actual left the account. This exact same thing happened before in the same branch and the store cash office returned the money in cash. However for this card they say that they can only find the declined transaction in their books and I have to work with bank to recover the funds.

So upon filing dispute with the number on the back of the card, I get a letter demanding 'Proof of purchase' of GC otherwise the matter will be closed within 30 days. Stupidly, I didn't keep the purchase receipt as there was a balance when the PIN was set. Is there anything else that can be done? I mean its a GC, does the gift recepient always get a receipt?

Here is the online transaction history. Note the decline transaction is for $5.00, however WM receipt clearly shows a declined transaction charge of $500.00. So something is off.
8/23/2013 Decline Insufficient funds $0.00 $0.00 Transaction Details

Authorization Amount$5.00
Retailer NameWal-Mart Store
Purchase Date
Retailer Cityxxxxxxxx
Settlement Amount
Retailer ZIP Codexxxxxx

8/23/2013 PIN Purchase Wal-Mart Store -$500.00 $0.00 Transaction Details

Authorization Amount
Retailer NameWal-Mart Store
Purchase Date8/23/2013
Retailer Cityxxxxxx
Settlement Amount$500.00
Retailer ZIP Codexxxxx




Personal Finance Deals
WM MO gone bad - money deducted no MO
Added on : Monday September 09th 2013 02:00:06 PM
g: 0 Posted By: gruntwork
Views: 26 Replies: 0 I was using Metabank VISA to purchase MO from WM. PIN and everything was set correctly, however the transaction was declined with code 51 (insufficient funds). I paid with second card and transaction went through. However when I checked the online statement, the card showed the there was a PIN purchase and entire transaction amount was deducted. This is not an authorization hold, the money actual left the account. This exact same thing happened before in the same branch and the store cash office returned the money in cash. However for this card they say that they can only find the declined transaction in their books and I have to work with bank to recover the funds.

So upon filing dispute with the number on the back of the card, I get a letter demanding 'Proof of purchase' of GC otherwise the matter will be closed within 30 days. Stupidly, I didn't keep the purchase receipt as there was a balance when the PIN was set. Is there anything else that can be done? I mean its a GC, does the gift recepient always get a receipt?

Here is the online transaction history. Note the decline transaction is for $5.00, however WM receipt clearly shows a declined transaction charge of $500.00. So something is off.
8/23/2013 Decline Insufficient funds $0.00 $0.00 Transaction Details

Authorization Amount$5.00
Retailer NameWal-Mart Store
Purchase Date
Retailer Cityxxxxxxxx
Settlement Amount
Retailer ZIP Codexxxxxx

8/23/2013 PIN Purchase Wal-Mart Store -$500.00 $0.00 Transaction Details

Authorization Amount
Retailer NameWal-Mart Store
Purchase Date8/23/2013
Retailer Cityxxxxxx
Settlement Amount$500.00
Retailer ZIP Codexxxxx




Personal Finance Deals
Naked Juice Class Action Settlement
Added on : Tuesday August 20th 2013 02:00:04 AM
g: 1 Posted By: remick
Views: 16 Replies: 0 http://www.nakedjuiceclass.com/FileClaim/UnknownClaim

Anyone who bought an eligible Naked Juice product at any time from September 27, 2007 to August 19, 2013 qualifies. You can claim$45 without receipts and$75 with proof of receipt.
Discussion Deals
Retirement rollover payout from a class action
Added on : Wednesday July 24th 2013 09:00:07 AM
g: 0 Posted By: SASMel
Views: 275 Replies: 0 I'm a member of the "Former Participant" class in the class action settlement against Cigna described at http://cigna401ksettlement.com/.
I'm eligible for a payout, and can either choose 1) a direct payment, 2) a rollover to a 401(k) or IRA, or 3) direct rollover to a Roth IRA.
I am strongly inclined towards the Roth IRA option. I understand that I'll pay taxes in the year of the rollover, and I'm OK with that. I fully fund my Roth each year, and I view this event as one of the few avenues that I'll have to put "extra" money in my Roth.
However, I want to make sure that I understand all ramifications and am viewing this correctly.
Please chime in if you have informed advice.
Personal Finance Deals
Reitrement rollover payout from a class action
Added on : Wednesday July 24th 2013 05:00:09 AM
g: 0 Posted By: SASMel
Views: 65 Replies: 0 I'm a member of the "Former Participant" class in the class action settlement against Cigna described at http://cigna401ksettlement.com/.
I'm eligible for a payout, and can either choose 1) a direct payment, 2) a rollover to a 401(k) or IRA, or 3) direct rollover to a Roth IRA.
I am strongly inclined towards the Roth IRA option. I understand that I'll pay taxes in the year of the rollover, and I'm OK with that. I fully fund my Roth each year, and I view this event as one of the few avenues that I'll have to put "extra" money in my Roth.
However, I want to make sure that I understand all ramifications and am viewing this correctly.
Please chime in if you have informed advice.
Personal Finance Deals
g: 0 Posted By: busnut
Views: 136 Replies: 5 Just got word today that our ins. co. plans to total our car due to flood waters. Vehicle is a 1993 Chrysler New Yorker Fifth Avenue 1-owner with 62,000 miles When we ordered the car, every available option o/t leather interior was ordered/included. Even full size spare tire with matching rims were ordered. Car has never been driven in the winter, no rust, nothing wrong at all with car - vehicle in pristine condition. Searched the internet for comparable cars, but only found 1 in Carlyle, PA. Hate that our Fifth Avenue is totaled (water entered the engine carburetor - engine all locked up). Just want to receive a fair settlement for a car that is older, but in pristine condition. Comparables will be very hard to find. Looking for advise. Have not received the offer/settlement amount yet from the ins. co - they said I will hear back later this week from the "total loss settlement department". Thanks FW's - your advise is appreciated.
Question Deals
g: 0 Posted By: FWF406
Views: 174 Replies: 3 I have a close family member who was counting on getting a large sum of money from a separation settlement last week. Despite my advice to be frugal and patient in getting new housing she entered into a contract to buy a house. I don't know how both her real estate agent and the buyers agent went through with submitting and accepting a cash offer with no proof of funding, but they did. The closing date is this week and not surprisingly my family member does not have the funds and things are getting more complicated with the separation. There is no firm date when the settlement will be finalized. The buyers real estate agent has confronted my family member's spouse and said that the sellers intend to sue. I feel that the real estate agents failed to do their due diligence. I understand that the sellers have a responsibility to mitigate damages. Are there any suggestions on ways to stop this from becoming a disaster?
Real Estate Deals
TurboTax Class Action Notificaiton
Added on : Monday July 22nd 2013 03:00:11 AM
g: 0 Posted By: jhall1822
Views: 162 Replies: 0 Anyone else get this?
(Legal Notice)
UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF CALIFORNIAIf You Used TurboTax Online and Opted to have your TurboTax Fees Deducted from your Tax Return for a Fee,
You May Be Eligible for a Payment from a Class Action Settlement.A $6.55 million proposed settlement has been reached in a class action lawsuit against Intuit, Inc. regarding the Refund Processing Service products ("RPS") available on TurboTax online that allow TurboTax customers to choose to pay their TurboTax fees by deducting the amount owed from their tax refund for a fee (typically $29.95). Intuit, the owner of TurboTax, denies the claims in the lawsuit and maintains there was nothing wrong with the practice. The Court has not decided which side is right.Who's Included In The Class? Intuit's records show you are a Settlement Class Member. The Settlement Class includes anyone who used TurboTax's Online Refund Processing Service, from January 12, 2008 through May 28, 2013.What Are the Settlement Terms? Intuit has agreed to establish a Settlement Fund of $6.55 million. You cannot receive a payment unless you submit a claim form. Information regarding how to fill out and submit claim forms can be found online at www.TurboTaxClassAction.com or by calling 1-888-980-9394. Claim forms may be submitted online.Your Rights May Be Affected. If you do not want to be legally bound by the settlement, you must exclude yourself by September 23, 2013. If you stay in the settlement, you may object to it by August 28, 2013. Instructions on how to exclude yourself or object are contained in the detailed notice at the website listed below. The Court will hold a hearing on September 27, 2013, at 9:00 a.m. to consider whether to approve the settlement, Class Counsel's request for attorneys' fees of up to 25% of the value of the Settlement Fund, reimbursement of expenses, and service award for the Class Representatives. You can appear at the hearing, but you do not have to. You can hire your own attorney, at your own expense, to appear or speak for you at the hearing. For more information, call or visit the website.www.TurboTaxClassAction.com
1-888-980-9394TurboTax Class Action
Settlement Administrator
c/o Heffler Claims Group
P.O. Box 220
Philadelphia, PA 19105-0220
Deal Deals
Countrywide Settlement - Discrimination based on marital status
Added on : Sunday July 21st 2013 07:00:11 AM
g: 0 Posted By: dp1
Views: 50 Replies: 0 All,
I received mailer from DOJ for being eligible to benefit from DOJ's settlement with Countrywide over alleged discrimination based on marital status. The settlement advisor will try to help your spouse regain his/her property rights or may determine an appropriate amount payment if your spouse meets these conditions.Has anyone else received the same notice, and what is the feedback?
Rear Ended by Commercial Truck
Added on : Wednesday July 17th 2013 04:00:12 PM
g: 0 Posted By: jaegermister2354
Views: 0 Replies: 0 We were at a complete stop(traffic suddenly came to a halt due to a car infront) when a commercial truck driver rear-ended us, causing our prius to be totaled. I was driving, and escaped unhurt. My wife and 4 yr child were sitting behind. Wife had a couple of stiches(emergency room) and my daughter escaped unhurt. My wife's vertigo problem has come back because of the accident. What is a reasonable settlement amount to expect? They are offering $5000 and value of the car.Thanks
BEWARE OF BANK OF AMERICA
Added on : Monday July 08th 2013 01:00:08 PM
Received $1484.21 from the National Mortgage Settlement Fund because the devious BofA bat rastards only make home loans in order to screw their borrowers.BEWARE OF BANK OF AMERICAPropublica linkPropublica Article said: Bank of America employees regularly lied to homeowners seeking loan modifications, denied their applications for made-up reasons, and were rewarded for sending homeowners to foreclosure, according to sworn statements by former bank employees.....And then the foreclosure department was worse.
Vehicle Insurance Claim Settlement and Lawsuit
Added on : Friday June 28th 2013 12:00:03 PM
I need some suggestion on this case:1. Daughter had an accident, hit someone and was found at fault. Accident happened in 2011 I believe.2. The policy (full coverage) was under my name with her as authorized driver.3. Vehicle was under my name at the time of the accident.4. My insurance company has been in constant litigation trying to settle the accident ever since and today I just received a letter from USAA stating that no settlement was reached and the possibility of a personal lawsuit coming my way.Should I worry?
Apple iTunes Class Action Settlement
Added on : Wednesday June 26th 2013 05:00:14 PM
If your iTunes account was charged for an in-app purchase made by a minor in a game app without your knowledge or permission, you could be entitled to benefits under a class action settlement.What's This About?In a consolidated class action lawsuit pending against Apple, Plaintiffs alleged that certain iOS applications ("Apps") distributed through the App Store allowed minors to charge iTunes accounts for in-app purchases of game currency without the account holders' knowledge or permission. Apple denies all allegations and is entering into this settlement to avoid burdensome and costly litigation. The settlement is not an admission of wrongdoing.Who's Affected?You're a "Class Member" if you're a United States resident who paid for an in-app purchase of game currency charged to your iTunes account by a minor without your knowledge or permission in a Qualified App. For a searchable list of Qualified Apps and the full definition of "Game Currency," please go to www.iTunesInAppPurchaseSettlement.com. Qualified Apps consist of all apps in the games category with a minimum age rating of 4+, 9+, or 12+ that offer in-app purchases of game currency.What Benefit Can You Get From the Settlement?You may choose between (a) a single $5 iTunes Store credit or (b) a credit equal to the total amount of Game Currency that a minor charged to your iTunes account without your knowledge or permission within a single forty-five (45) day period, less any refund you previously received ("Aggregate Relief"). A cash refund in lieu of an iTunes Store credit is available if (a) you no longer have an active iTunes account, or (b) your claims exceed $30 in total. Additional requirements for claiming charges after the forty-five (45) day period apply. You must complete a valid Claim Form to receive settlement benefits.Submit a claim by January 13, 2014.
Monster Hunter 3 Ultimate - 39.99 at Target
Added on : Sunday June 23rd 2013 10:00:04 AM
LINKY$39.99 Online Price

List: $59.99 - Save $20.00 (33%)
The popular fantasy action franchise Monster Hunter is now one of the most iconic gaming series in the world selling over 21 million copies worldwide since the series began in 2004. Players take on the role of a hunter and are sent to explore a settlement within the Monster Hunter universe, completing quests on their journey to seek and slay monsters whilst improving their skills and earning equipment upgrades. With many challenging monsters and over 200 quests the latest edition to the series is set to be the most expansive offering to date. Monster Hunter 3 Ultimate utilizes the functionalities of the Wii U console to provide players with a truly intuitive hunting experience. The touch screen feature of both platforms allows players to quickly access in-game books, weapons, field maps and mini games whilst the high quality graphics of Wii U powered by the latest iteration of Capcom's MT Framework deliver a unique and stunning world for players to explore. Wii U players will be able to enjoy the hunt with Nintendo 3DS players via a local wireless connection. Gamers that own both a Wii U and Nintendo 3DS can take advantage of the inter compatibility of save data between the two consoles, taking the hunt from the living room wherever they go
Giveaway of the Day - Rune Stones Quest - June 22, 1013 ONLY
Added on : Saturday June 22nd 2013 04:00:09 AM
http://game.giveawayoftheday.com/rune-stones-quest/?utm_source=f...
A long time ago, five rune stones were created by craftsmen of The Mountain People. The Rune Stones allowed whomever possess the stones to command all natural elements, while offering protection from foes, aiding in mining, crafting and farming. The Dwarves land flourished under the protection of The Rune Stones for ages. Many tried to steal the riches of The Mountain People, much to the thieves dismay all nature stood against them and forced them out of the Dwarven kingdom. One day an evil sorcerer discovered the power the Dwarves possessed. By disguising himself as the King, the sorcerer located and destroyed The Rune Stones. Shortly thereafter, the fields of the Dwarves kingdom became barren as wells dried up and the drought began. And The Army of Darkness stood on the threshold. The Rune Stones must be restored to save the Kingdom, however the knowledge of their creation was lost long ago. The best Dwarven masters prepared supplies and ancient manuscripts and disembarked on a long journey. In the wilderness of the far off valley, the masters will strive to acquire the ancient knowledge lost and use it to restore The Rune Stones! Features: 64 fun fast-paced levels
7 unique locations
5 game modes: Gather all items. Find all items. Clear the area. Collect a rune stone. Find ancient parchment
Magnificent atmosphere and graphics
Construction of a settlement
Life Settlements Coming Back To The Table
Added on : Tuesday June 18th 2013 08:00:10 AM
As a followup to this prior thread.
Texas Puts Life Insurance Trading Back on the Map6/18/2013(Reuters) - Texas may have just put a modest trading business back on Wall Street's map. The Lone Star state has passed a law that allows Medicaid officials to encourage people to sell life insurance policies to pay for long-term care. Others may soon follow. Individuals get money early, and governments can save on medical costs.California, Florida, Kentucky, Louisiana, Maine, New Jersey and New York are considering similar proposals.
LexisNexis class action settlement
Added on : Saturday June 15th 2013 04:00:05 PM
Today I received a postcard letting me know that I'm a class member in a suit against LexisNexis for failing to treat their Accurant reports as consumer reports subject to FCRA. According to the card, you're a member if you "(1) requested a copy of an Accurint report about you, and/or (2) you initiated or submitted a dispute or other inquiry about information in an Accurint report about you." The settlement website is filedisputereportclass.com. Anyone who receives a postcard will automatically receive a payment if the settlement is approved by the court.
ACH and sold security settlement date
Added on : Wednesday June 12th 2013 01:00:06 PM
I sold some securities on ETrade and the settlement date is on Friday. I also plan to initiate an ACH "pull" from my external bank early on the same day (Friday). My question is when does the cash from the settlement becomes actually available (what time of the day on Friday)? At the beginning of day? Midday? Or, at the end of the day? I try to make sure when ACH comes from the external bank during the day on Friday to pull the cash out, the cash is available at ETrade. Thanks.
CCFSettlement (currency conversion fees suit)
Added on : Saturday June 08th 2013 06:00:12 AM
Like many of you, I participated in the class action suit about currency conversion fees. The website for information about the suit and settlement is here:CCFSettlementMy wife and I got our settlement checks in December 2011 and I thought that was it, but apparently they approved a new round of distributions in April, to be sent out mid-May to mid-July. My wife got a small check and I'm hoping to get one myself. Check your mail!
Chase Payment Protector class action settlement
Added on : Tuesday May 28th 2013 01:00:12 PM
I remember some time ago there was something on Fat Wallet about a class action against Chase regarding their Payment Protector (Kardonick, et al. v. JPMOrgan Chase & Co., et al.
Today I was happily surprised to get in the mail a settlement check for $453.66 for my share from the Net Settlement Fund. I tried to search Fat Wallet for the old thread that talked about this class action but I couldn't find it.Did anyone else receive a settlement check? If so, how much was yours for?http://www.kardonicksettlement.com/ Who is in the Settlement Class and what are Payment Protection Products? (top)
The United States District Court for the Southern District of Florida has certified, for settlement purposes only, a class action Kardonick, et. al. v. JPMorgan Chase & Co. et al., Case No. 10-cv-23235. The class (the "Settlement Class") is defined as:
All Chase credit card holders who were enrolled in or billed for a Payment Protection Product at any time between September 1, 2004 and November 11, 2010. Excluded from the class are all Chase cardholders whose Chase credit card accounts that were enrolled or billed for a Payment Protection Product were discharged in bankruptcy. Chase credit card holders include holders of Chase-issued credit and charge card accounts and Chase-issued business cards and private label cards such as Chase-issued Toys "R" Us, Kohl's, TJMaxx, Best Buy, or Circuit City cards."Payment Protection Product" means any products offered by Chase (whether directly or indirectly through co-brand, private label, or other partners) under which credit card debt may be cancelled or suspended under certain circumstances such as death, disability, hospitalization, or unemployment. Payment Protection Products include, but are not limited to, Chase Payment Protector, Chase Payment Advantage, Account Protection Plan, Total Protection Plan, Account Security Plan, Account Ease, and any other Chase business card or private label account debt suspension or cancellation product, by whatever name any of the foregoing products are or were known. "Payment Protection Product" does not include non-credit card products. In some instances, cardholders may be class members because they enrolled in a payment protection product on a Bank One, Providian or Washington Mutual credit card account and then continued their enrollment after the account became a Chase account.
kardonick settlement check legit?
Added on : Tuesday May 28th 2013 10:00:08 AM
I just received two checks from "Kardonick Settlement Administrator", are they legit (one for $75.XX, one for $15X.XX)? This is probably because I filled out claim form on line for "Kardonick Class Action Lawsuit" back some time in 2011. Any one else? Any idea?
Advice needed in selecting title and settlement company in IL
Added on : Thursday May 23rd 2013 01:00:07 PM
I am in the process of purchasing my first home in IL and I am going with BOX home loans. Box prefers Linear title company but the seller wants to go with different title company. Seller chosen company, Prairie title, is three times more expensive than what Box estimated title costs ($2000 vs $700). Does any one know how Box handles closing on a new purchase? My RE lawyer is telling me that we need to do the settlement at a physical location. Neither Box nor Linear has any physical office in IL. I asked Box about this and they said it can be handled. I want to let the seller go with their company and I will go with Linear as it is much cheaper. Please offer me whatever suggestions you could.
Would like advice on my personal finances.
Added on : Tuesday May 07th 2013 07:01:39 PM
Hello. I'm new here, except that I've been getting the FW Deals email for about a year now. Browsing the forums I noticed someone who had a thread like mine, so I was hoping to get some advice for myself. I had a bankruptcy when I was 20 that kind of haunted me for a long time. Always been terrible about paying my bills on time and so my credit is awful. When we got married she had New credit... not really good or bad. But it has gone down hill over the last several years. The house is in both our names and we have made many late payments and our credit took a hit each time.She's has been with the same company since she got out of college and has a really nice job that offers pretty much unlimited OT opportunities. She always gets 15 hrs OT every week. We have insurance through her company. They offer 401k but she has not activated it yet.I have a new job (less then 3 months) that pays well. No insurance offered. No 401k offered.
Married: YES
Ages: Early 30s.
My Education: HS
Her Education: BoFA
Children: Two (5 and 7 years old)
Job: Both Employed FT
My Take Home: $1,600 (Bi-weekly)
Her Take Home: $1,300 (Bi-weekly, Amount includes 15 hours OT she generates every two weeks, this is guaranteed and does not fluctuate)
Combined Take Home: $5800/mo
Region: Southeast
My 401k: $5,300 (I no longer work at the company where this 401k was started, and no longer contribute to it but I still get quarterly statements.)
Her 401k: $0 (Have not initiated her 401k yet... but her company will match 3% and contribute up to 6%)
Savings: $0
NO OTHER ACCOUNTS OF ANY KINDExpenses
My mortgage was an 80/20 split. Recently Wells Fargo admitted to fraud and I was part of a class action settlement that netted me $300. My interest rates are 7% on each loan. House is small 2 bedroom, 1 bath, 1100sq/ft. I feel like I was ripped off when I bought this house. It had major problems with the roof, the plumbing, etc. It was a rental before I bought it and man was it dirty! But I loved the neighborhood and the house has charm. Still, I feel like a sucker for paying so much monthly on this small house. I know I am not getting any bang for my buck here. Outstanding balance on house is: $75,000
Mortgage #1: $735/mo
Mortgage #2: 135/mo
Electric: $200/mo
Cellular: $187/mo
Auto Insurance: $75/mo (Currently we have 1 vehicle)
Fuel Expenses: $240/mo or $60/wk, sometimes more if go "for a drive".
Groceries: $600/month
Satellite TV: $225/mo. (We just upgraded to premium service for HBO... Game of Thrones is back on!!)
Internet: $70/mo
Netflix: $8/mo
Child School Lunch Program: $30/mo
Other Expenses: $45/mo
Her Student Loan: $150/mo. (Owe $12,000, we haven't been paying this for years and have been doing deferments where they carry the loan over for 6 months)Credit Cards
Bank of America (Closed): $600 Balance (Going on 5 years)
Hospital Bills: $1,500 (Going on 7 years)
2012 Taxes Owed: $500 (Extension filed)
No other debt of any kind.We are all caught up on all monthly bills.Current Spending Priority: New Heat Pump by June 1 or we have NO A/C for summer! Estimated Cost: $2800 installed.4 Year Goal: Improved Credit, Move to Larger House!THANK YOU FROM THE BOTTOM OF MY HEART FOR ALL YOUR COMMENTS!
Palmer v. Sprint Solutions Class Action Settlement
Added on : Friday May 03rd 2013 02:01:18 PM
I don't remember signing up for this but a $60 check came in the mail today. Something about unsolicited phone calls from Sprint started this class action. I'll be eating meat tonight.
Pep Boys Free lawnmower exchange for old gas mower til May 5 YMMV
Added on : Tuesday April 30th 2013 02:00:05 PM
On the back of their in store one page ad the free lawnmower exchange program is back.Ad reads:
Trade in your old, working gas mower with no gas in it for a free 18" Reel Mower or get a 20" 12 amp electric mower for $75 or get a 20" 24v battery mower for $150. Regular price on those are $99.99, $229.99 and $399.99.
Not available in all stores. This project is being undertaken in connection with the settlement of an enforcement
action on behalf of the EPA.A little over a year ago, I got the electric mower in exchange for a junked gas mower I got for free off of freecycle.A big YMMV, so call your store to confirm.
EnergyPlus settlement and general comment on ESCOs.
Added on : Friday April 19th 2013 09:01:40 PM
Everyone who was suckered in into EnergyPlus ESCO by the promise of 10K miles - watch for the postcard for the class action settlement.
Unfortunatelly, $20 settlement would not cover 100s of dollars I over-paid at above-market rates - but at least provides some satisfaction that fraud eventually gets punished in US.As a follow-up - be very careful with ESCOs. They often lure you in with a promise of a bonus or a good rate - only to jack it up above prevailing rates capitalizing on a fact that consumers often lack ability to compare prices. EnergyPlus was one of worst abusers - but pretty much every other ESCO in NYC has a variable rate higher than ConEd upon further comparison for the same period.
Chase minimum payment lawsuit
Added on : Wednesday April 17th 2013 01:01:17 PM
I can't find the old thread about this Chase fiasco, but I finally received a settlement check from Chase. Basically Chase decided to change their minimum payment requirements to 5% of the outstanding balance (from 2%) after the balance transfers had already been made. Deceptive (if not illegal) at the very least. There is more information here:http://chaseminpaymentlawsuit.com/I received a $52 check. I had transferred around $10K. I decided to just increase my payment to 5% and paid it off as quickly as possible. Anybody else care to post their experience? I'm just curious if there was any rhyme or reason to the amount of each settlement check.
Tax Question: Deduction for home purchase
Added on : Saturday April 13th 2013 05:01:02 PM
Hi FWers- I bought a home in 2012 and in the process of doing my tax return. I've the HUD Settlement Statement. Aside from deducting the property tax that I reimbursed the sellers (line 106), I'm wondering if line #1201 (Recording fee for the Deed) and line #1205 (Record Municipal Lien Certif / Record Homestead
) may be also deductible. Please advise and many thanks in advance.
Borrowers to receive foreclosure settlement checks starting 4/12/2013
Added on : Tuesday April 09th 2013 10:01:18 AM
From Politico --Borrowers eligible for compensation over past foreclosure abuses will be receiving checks starting Friday, the Federal Reserve and Office of the Comptroller of the Currency announced today. In January, the agencies struck a deal with 13 banks that service mortgages to send $3.6 billion to 4.2 million borrowers whose foreclosure cases were part of a review process created by earlier April 2011 settlement. Borrowers will receive anywhere from $300 to $125,000 depending on what problems arose during their foreclosure.The agencies said that the checks would be sent out in waves and that 90 percent of the payments for customers at 11 of the 13 banks should be in the mail by the end of the month. Payment details for borrowers whose mortgages were serviced by Goldman Sachs and Morgan Stanley will be announced soon, the agencies said.The foreclosure settlement has drawn intense interest from Congress as some lawmakers have expressed concerns that borrowers will not receive a fair deal. A Senate Banking subcommittee will hold a hearing Thursday on the settlement.
Tax question...lawsuit settlement
Added on : Tuesday April 09th 2013 06:01:26 AM
Legal expenses were paid in 2012, but settled in 2013. I know I can only deduct certain legal fees that generate taxable income (btw the entire settlement is taxable) but is it ok to carry 2012 paid expenses into 2013 tax year?
A little over a year ago, my father was struck by a car and required a partial shoulder replacement and extensive physical therapy. It looks like the full settlement amount in excess of $200k will be paid out (case has not settled yet, though).My father was on welfare for a few years, has been on SSI for at least 10 years now (hypertension, heart problems, etc.), is on Medicaid and living in a Section 8 apartment for nearly 5 years; he's worried that the government will come in and take all the settlement money as backpay for those years of assistance.The accident lawyer's only thoughts on the subject is that some portion of the money can be deposited in checks of lower than $10k to keep it "under the radar," but obviously, this is not feasible for the entire settlement amount.What can my father do to shield as much money as possible? Buy property and gift it to one of his children? Pay off his daughter's med school debt? Perhaps start a trust fund in the name of one of his children? Irrevocable trusts can protect money from creditors, but what about the government?I was kind of surprised that the accident lawyer didn't have any other ideas, because otherwise, he has handled the case spectacularly. Why kind of lawyer would be knowledgeable about this sort of thing? Or should my father seek advice from some kind of accountant? Tax specialist? Tax lawyer?
help with 1099-OID - where's my deduction?
Added on : Saturday April 06th 2013 05:01:13 PM
I started a thread about this last year, but it's archived, so I can't bump it.http://www.fullofdeals.com/forums/finance/1180442/Essentially, I need someone to explain to me the tax implications of this thing that I bought (and subsequently sold, mainly because I was hoping to avoid tax-related headaches, but also because I didn't really understand it). The prospectus for the position in question can be found here.I was the original purchaser of my shares in 2008, and it was a principal-protected note, contingent on me holding it for the full five years. However, I sold my shares at a slight loss on June 29, 2012. According to the phone rep I spoke to, I held the note for 184 days in 2012, which is approximately correct, although I don't know how they arrived at that exact number of days, since the sale was 6/29 and the settlement date was 7/5. Anyway, it doesn't really matter.Copied from pages 21-23 of the prospectus:prospectus said: Under the Foreign Currency Regulations, the rules applicable to debt instruments that provide for payments determined by reference to multiple currencies depend on the denomination currency of the debt instrument. Because the present value of the principal payment, which is a fixed U.S. dollar amount, is greater than the present value of the projected amount attributable to the Basket Currencies, the denomination currency of the Notes is the U.S. dollar. The Foreign Currency Regulations provide that the Notes consequently will be taxed pursuant to the rules contained in the Contingent Debt Regulations.

Taxation of Interest. A U.S. Holder of a Note will recognize income (or loss) on a Note in accordance with the Contingent Debt Regulations. The Contingent Debt Regulations require the application of a noncontingent bond method to determine accruals of income, gain, loss and deductions with respect to a contingent debt obligation. As described in more detail in the second and third succeeding paragraphs, under the noncontingent bond method, a U.S. Holder of a Note will be required for tax purposes to include in income each year an accrual of interest at the annual computational rate of 5.62%, compounded semi-annually (the comparable yield). The comparable yield is based on a rate at which Citigroup Funding could issue a fixed rate debt instrument with terms comparable to those of the Notes and no contingent payments. In addition, solely for purposes of determining the comparable yield pursuant to the Contingent Debt Regulations, a U.S. Holder of a Note will be assumed to be entitled to receive, in respect of each Note, annual coupon payments of US$40.00 on July 30, of 2009, 2010, 2011, 2012, and 2013, and a payment of US$1095.20 at maturity (the Projected Payment Amount). The Projected Payment Amount is calculated as the amount required to produce the comparable yield, taking into account the Notes issue price, and any non-contingent payments to be made on the note prior to maturity.

The comparable yield and the Projected Payment Amount are used to determine accruals of interest FOR TAX PURPOSES ONLY and are not assurances or predictions by Citigroup Funding with respect to the actual yield of or payment to be made in respect of a Note. The comparable yield and the Projected Payment Amount do not necessarily represent Citigroup Fundings expectations regarding such yield or the amount of such payment.

Each note will be issued at par. However, there will be original issue discount for U.S. federal income tax purposes (Tax OID) because a U.S. Holder must accrue income at the comparable yield. Under the Tax OID rules of the Internal Revenue Code of 1986, as amended (the Code), and the Treasury regulations promulgated thereunder, a U.S. Holder of a Note, whether such holder uses the cash or the accrual method of tax accounting, will be required to include as ordinary interest income the sum of the daily portions of Tax OID on the Note for all days during the taxable year that the U.S. Holder owns the Note. As a result, U.S. Holders of Notes, including U.S. Holders that employ the cash method of tax accounting, will be required to include amounts in respect of Tax OID accruing on Notes in taxable income each year regardless of whether holders receive more, less or no payments on the Notes in tax years prior to maturity. The Tax OID amounts for 2009, 2010, 2011, 2012, and 2013 take into account the payment of the annual coupons on July 30, of 2009, 2010, 2011, 2012 and 2013 respectively. Accordingly, U.S. Holders should report only the Tax OID for 2009, 2010, 2011, 2012, and 2013, and should not also include any separate amount in income as a result of the annual coupon payments.

The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).

Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.

If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.

The daily portions of Tax OID on a Note are determined by allocating to each day in any accrual period a ratable portion of the Tax OID allocable to that accrual period. In the case of an initial holder, the amount of Tax OID on a Note allocable to each accrual period is determined by multiplying the adjusted issue price (as defined below) of a Note at the beginning of the accrual period by the comparable yield of a Note (appropriately adjusted to reflect the length of the accrual period). The adjusted issue price of a Note at the beginning of any accrual period will generally be the sum of its issue price and the amount of Tax OID allocable to all prior accrual periods, less the amount of any payments made in all prior accrual periods. Based upon the comparable yield, if a U.S. Holder that employs the accrual method of tax accounting and pays taxes on a calendar year basis buys a Note at original issue for US$1,000 and holds it until maturity, such holder will be required to pay taxes on the following amounts of ordinary income from the Note for each of the following periods: US$23.57 in 2008; US$57.39 in 2009; US$58.38 in 2010; US$59.43 in 2011; US$60.54 in 2012; and US$35.89 in 2013 (adjusted as described below).

Adjustments to Interest Accruals on the Notes. If, during any taxable year, a U.S. Holder receives actual payments with respect to the Notes that in the aggregate exceed the total amount of projected payments for that taxable year, the U.S. Holder will incur a net positive adjustment under the Contingent Debt Regulations equal to the amount of such excess. The U.S. Holder will treat a net positive adjustment as additional interest income, which will increase the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may exceed both the amount of Tax OID and the actual cash payments received.

If a U.S. Holder receives in a taxable year actual payments with respect to the Notes that in the aggregate are less than the amount of projected payments for that taxable year, the U.S. Holder will incur a net negative adjustment under the Contingent Debt Regulations equal to the amount of such deficit. This adjustment will reduce the U.S. Holders interest income on the Notes for that taxable year, which will decrease the total amount of Tax OID for that taxable year. Accordingly, the amount of taxable income that a U.S. Holder may be required to report with respect to the Note for a particular year may differ significantly both from the amount of Tax OID and the actual cash payments received.

U.S. Holders should be aware that the information statements they receive from their brokers (on an Internal Revenue Service Form 1099) stating accrued original issue discount in respect of the Notes may not take net negative or positive adjustments into account, and thus may overstate or understate the holders interest inclusions.

Disposition of the Notes. When a U.S. Holder sells, exchanges or otherwise disposes of the Note (including upon repayment of the Note at maturity) (a disposition), the U.S. Holders gain (or loss) on such disposition will equal the difference between the amount received by the U.S. Holder for the Note and the U.S. Holders tax basis in the Note. A U.S. Holders tax basis (i.e., adjusted cost) in a Note will be equal to the U.S. Holders original purchase price for such Note, plus any Tax OID accrued by the U.S. Holder and less the amount of any payments received by the holder while holding the Note.

If the amount received on the Note at maturity exceeds the Projected Payment Amount, the U.S. Holder will be required to include any such excess in income as ordinary income. Alternatively, if the amount received at maturity is less than the Projected Payment Amount, the difference between the Projected Payment Amount and the amount received at maturity will be treated as an offset to any interest otherwise includible in income by the U.S. Holder with respect to the Note for the taxable year in which maturity occurs, but only to the extent of the amount of such includible interest. Any remaining portion of such shortfall may be recognized and deducted by the U.S. Holder as an ordinary loss to the extent of the U.S. Holders previous Tax OID inclusions with respect to the Note.

On a disposition of a Note other than repayment of a Note at maturity, any gain realized by a U.S. Holder will be treated as ordinary interest income. Any loss realized by a U.S. Holder on a disposition will be treated as an ordinary loss to the extent of the U.S. Holders Tax OID inclusions with respect to the Note up to the date of disposition. Any loss realized in excess of such amount generally will be treated as a capital loss. An individual U.S. Holder generally will be allowed a deduction for any ordinary loss without regard to the two-percent miscellaneous itemized deduction rule of Section 67 of the Code. Any capital loss recognized by a U.S. Holder will be a long-term capital loss if the U.S. Holder has held such Note for more than one year, and a short-term capital loss in other cases.

Information Reporting and Backup Withholding. Information returns may be required to be filed with the IRS relating to payments made to a particular U.S. Holder of Notes. In addition, U.S. Holders may be subject to backup withholding tax on such payments if they do not provide their taxpayer identification numbers in the manner required, fail to certify that they are not subject to backup withholding tax, or otherwise fail to comply with applicable backup withholding tax rules. U.S. Holders may also be subject to information reporting and backup withholding tax with respect to the proceeds from a sale, exchange, retirement or other taxable disposition of the Notes.The dollar amounts quoted in the prospectus are based on a principal investment of $1,000. My principal investment was $20,000, so we have to multiply everything by a factor of 20. The 2012 number is off because I only held the shares for approximately half the year. In total, I held the shares for about 47 months at 4% annual interest.According to my 1099s from each respective year, this was the amount of reportable, taxable, phantom OID income reported to the IRS, and on which tax was (or will be) paid:2008 - $475.94
2009 - $1147.50
2010 - $1167.50
2011 - $1188.65
2012 - $616.04TOTAL REPORTABLE TAXABLE INCOME: $4595.63Below, I've listed the amounts of actual physical money I received in interest that is non-reportable to the IRS:2008 - $0
2009 - $800
2010 - $800
2011 - $800
2012 - $744.44TOTAL ACTUAL INTEREST RECEIVED IN PHYSICAL MONEY: $3144.44DIFFERENCE (-$1451.19)Questions: (1) According to the first bolded paragraph that states there will be a payout of $1095.20 at maturity, am I correct in interpreting that figure is used for tax purposes only, since that's the amount that would be required to match the 5.62% annual (phantom) interest on which the comparable yield is based? What this means I think, is there won't actually be a payment of $1095.20 unless the face value of the note dicates such a payment? In other words, $1000 of the $1095.20 is a return of principal, while the other $95.20 is an estimate of an increase in value of the principal at maturity?(2) Next, it is my understanding that at some point, I will be entitled to claim a deduction or capital loss of $1451.19, which I expected would be reflected in the 2012 1099 I received from the institution housing the account in which these shares resided. That is not the case. Is this because the note has not yet matured?(3) Is the financial institution ever going to issue any kind of 1099 reflecting this loss? If not, how do I go about claiming this $1451.19 deduction or loss? Do I have to simply claim it and attach a note to my 1040 explaining it? Should I claim it in 2012 (when I disposed of my shares) or wait until 2013 (when the note finally matures)? Is it a deduction against ordinary income or a capital loss?
Enzyme Class Action Settlement (claim up to $48)
Added on : Thursday March 14th 2013 08:01:09 PM
I came across this class action suit. It seems like its a body building/protein powder mix. Anyway, you can claim up to 3 products valued at $16 each.http://www.enzymesettlement.com/Filing.aspx
I know FWF loves followups, so here is mine from http://www.fullofdeals.com/forums/finance/1125911/Recap: Young child is injured at daycare. Conflicted on what actions to take. FWF opinions ranged from "get over it" to "lawyer up."We lawyered up. It took until now to get final resolution and the result is a settlement. I can say that the entire process was boring and painless - our lawyer went through the motions with the insurance company and they finally agreed to an amount of around $100K.The daycare didn't bat an eye - I'm not sure any of the workers even knew about it, apart from the corporate office (who, as I mentioned briefly, actually urged me to file an insurance claim). The safety issue was removed, along with other safety improvements.I'm now faced with a dilemma in how to handle the settlement. I told my attorney my intention is for the funds to go to my daughter with no possibility of my, or anyone else, being able to touch it. I trust my wife and I, but not anyone else were we to no longer be in the picture. The insurance company has presented several settlement disbursement scenarios, with varied amounts, years, and types (monthly, annual, lump sums, mixtures). My attorney tells me that only A+ rated institutions ie. Prudential, etc are considered. As I understand it, I don't have any say in the underlying investments; The payout amounts are guaranteed so it looks like the funds earn modest interest that looks to counteract inflation.IE, One suggested plan is for a 1/4 split along four years starting at 18, for college: $36K per year for four years.
Another includes a $20K per year payout for four years, then monthly payments until funds are depleted.
Another has $30K at 18, 40K at 24, and 50K at 28.My question, for those that have dealt with structured settlements for a minor:Do I have any choices in the way the settlement is invested? Should I even explore those, considering there is higher risk?
Are there any questions I should be asking? The final amount was agreed on and I'm being presented with a list of disbursement options, wondering if there's anything else I should looking into before picking an option.
How can I best protect this amount, from myself (assuming my future self becomes crazy and greedy), some other guardian, and my daughter?That leads me to a less 'finance' oriented question. My daughter is 5 yrs old. I will raise her with every ounce of commitment possible, and hope she will grow into a responsible, prudent, and financially wise young lady. I'm also a realist, and know that there is the possibility she will not be those things despite my best efforts. Further, I have had some insight into the damaging effects of a windfall, like an inheritance, on a young person's life. My origins are from very meager, poverty-line means, and I believe that history is responsible for much of my current success. I don't believe in handouts, yet I'm also intrigued at the prospect of giving my child such a substantial advantage, especially in the form of potentially a free education.My knee-jerk reaction was "100% payout at 18, which she will use for college and invest in a solid portfolio". But I will have no legal authority over those funds, and she is not me, so the prospective pitfalls with such a plan are probably obvious for this crowd.For those that are wondering, she's doing great - beautifully healed, happy and healthy. She will require scar remediation at a later age.Any advice or knowledge transfer is much appreciated.
Credit Card Dispute and collections
Added on : Wednesday March 06th 2013 11:01:37 PM
Recently I successfully disputed charges on my credit card. The merchant didn't provide me the service they promised and when I ask them to remedy it they refused. I called my credit card company and they settled it in my favor (returning my funds).Fast forward 2 months... I now received a settlement letter from a collection agency asking to settle the account. Which I'm assuming is the first step to more aggressive credit ruining tactics. Should I be worried? Can a credit card dispute find its way to a collection agency?
Those who are in the market, this is an excellent opportunity to earn some extra $$$ on one of the fine product in this cateogory.Fine print:Offers available for purchases or external refinances only. Borrower will receive PenFed credit card reward points equivalent to 10% of the 5/5 ARM mortgage loan amount. Reward points will be applied to a qualifying PenFed rewards credit card within thirty (30) business days of the loans funding date, subject to terms and conditions. The mortgage must be for a primary residence or second home. Does not apply to refinances of existing PenFed loans or investment properties. Borrower must have an active qualifying PenFed rewards credit card (PenFed Premium Travel Rewards American Express or PenFed Platinum Rewards Visa) prior to submission of the mortgage loan application or within 90 days of the settlement date. Borrowers mortgage and credit card must be active and not have been in default. All credit card reward points will be added to only one qualifying PenFed rewards credit card. this promotion is only available to the primary borrower and co-borrowers will not be eligible. PenFed credit card reward points are subject to PenFed credit card reward points terms and conditions. Offer applies only to applications received on or after February 21, 2013.Link
Additional $500 Rebates on Purchase or Lease of a new Honda - YMMV
Added on : Wednesday March 06th 2013 01:00:03 PM
I am not sure whether this deal belongs in this forum - but here it is. If you are thinking about buying or leasing a new Honda, you can buy an extra rebate certificate worth $500 for far less than face value. Because of a settlement in a class action lawsuit against Honda over its 2003-2009 hybrid cars, Honda is issuing thousands of transferable $500 rebate certificates. More info on the lawsuit is here https://hchsettlement.com/ .Certificates can be transferred (once per certificate) to anyone (as a gift, sale, or whatever). These rebates are starting to trade on e*bay, amaz*n, etc. at a huge discount. I did a quick look on e*bay and most sell for less than $200 - a few have gone for less than $100. So, you can buy a certificate for $100-200 and redeem it for $500 against the purchase or lease of a Honda. Limit of one certificate per auto purchase/lease. Certificates are good for one year from issuance - usually until sometime in 2014. Because certificates can only be transferred once, there is not an easy way to buy and resell them but this can be a good deal if you are going to buy a Honda anyway. Also, the usual cautions about buying certificates online apply.
trying to determine my actual closing costs for PenFed refi
Added on : Sunday March 03rd 2013 11:01:04 AM
Hi all,I have the settlement statement for my pending PenFed 5/5 ARM and I'm trying to make sense of the closing costs. This is supposed to be a "no closing cost" loan. I know prepaid interest ($210) and the rate float from 2.75% to 2.5% ($400.50) are my responsibility - which add to $610.50. However, my closing costs appear to total $682.50 (line 103 minus line 206), which leaves $62 in costs for which I cannot account.Is there something else I'm missing that borrowers are typically responsible for paying, even in a no closing cost refi?Tomorrow will be my third attempt at closing, and I already see one possible correction to be made (my HEL payoff amount appears to be incorrect) any help from the FWF community clarifying the unaccounted for $62 is appreciated.
Toyota acceleration / Economic Loss Settlement
Added on : Saturday February 23rd 2013 08:00:59 PM
Couldn't find my old Toyota acceleration thread from 3 years ago. Well there's finally a settlementToyota Economic Loss Settlement http://toyotaelsettlement.com/Was offered a brake override system, but I would prefer a cash settlement instead at this point.
Insurance settlement recommended by attorney - bad advice?
Added on : Sunday February 17th 2013 05:00:56 PM
I ran across an interesting scenario, and curious what FWF folks have to say about it. It's a copy and paste from another online post, so you should note the reference to "I" is not in fact me, civ2k1, but the original poster:---------------I got into a car accident about 2 years ago. Someone rear ended me and pushed me into the car in front of me. I went to the ER and had back problems since. I got the back problems taken care of from medical treatment about 7 months ago. During my doctor's visits I told the doctor that at 1 point, the pain got so bad on my way to work, that when I got out of my car at work, i fell to the ground and had to go home. The doctor put in the medical notes that I injured my back at work because of that.So I got a lawyer to handle all my medical stuff with the insurance company. We ended up settling out of court since the lawyer said the doctor note said I hurt my back at work. The lawyer was unwilling to fight for me, and seemed to be an ambulance chaser for the quick out of court cash. I was sent a waiver to sign and I was told by the lawyer before I signed that all the health insurance fees were taken care of through subrogration process and my health insurance.2 days after I signed the lawyer waiver, I got a bill from my health insurance for $9,000 saying that they were not covering the injuries because they happened at work. I did not hurt myself while on the job or on the clock. It just happened to be in the parking lot when I experience the pain, but it was not work related. I tried explaining that to the health insurance but they said they are going off the doctors notes and they will not cover it.So, I contacted the doctor and they said they cannot edit the medical notes. The doctor said they will write a letter to the insurance company for me indicating that I did not injure myself at work.They lawyer the whole time is washing their hands of this and will not do anything. They made a phone call and they said that I am responsible for the bill and that I should file a work comp claim. The lawyer said they can help with filing the work comp claim. (I think they set me up with that to try and get more money out of me and I think they lied to the health insurance company).So I guess I am wondering what to do? Shouldn't the lawyer still be dealing with this as part of the %33 settlement fee? ANY advice is appreciated.If you do respond, I thank you in advance.
Car accident and health insurance bill
Added on : Sunday February 17th 2013 04:00:59 PM
Ok I need some guidance on this one.Here is the deal.I got into a car accident about 2 years ago. Someone rear ended me and pushed me into the car in front of me. I went to the ER and had back problems since. I got the back problems taken care of from medical treatment about 7 months ago. During my doctor's visits I told the doctor that at 1 point, the pain got so bad on my way to work, that when I got out of my car at work, i fell to the ground and had to go home. The doctor put in the medical notes that I injured my back at work because of that.So I got a lawyer to handle all my medical stuff with the insurance company. We ended up settling out of court since the lawyer said the doctor note said I hurt my back at work. The lawyer was unwilling to fight for me, and seemed to be an ambulance chaser for the quick out of court cash. I was sent a waiver to sign and I was told by the lawyer before I signed that all the health insurance fees were taken care of through subrogration process and my health insurance.2 days after I signed the lawyer waiver, I got a bill from my health insurance for $9,000 saying that they were not covering the injuries because they happened at work. I did not hurt myself while on the job or on the clock. It just happened to be in the parking lot when I experience the pain, but it was not work related. I tried explaining that to the health insurance but they said they are going off the doctors notes and they will not cover it.So, I contacted the doctor and they said they cannot edit the medical notes. The doctor said they will write a letter to the insurance company for me indicating that I did not injure myself at work.They lawyer the whole time is washing their hands of this and will not do anything. They made a phone call and they said that I am responsible for the bill and that I should file a work comp claim. The lawyer said they can help with filing the work comp claim. (I think they set me up with that to try and get more money out of me and I think they lied to the health insurance company).So I guess I am wondering what to do? Shouldn't the lawyer still be dealing with this as part of the %33 settlement fee? ANY advice is appreciated.If you do respond, I thank you in advance. 
Facebook class action
Added on : Friday January 25th 2013 10:00:58 PM
Just got this e-mail below.I know I have been extremely harmed by this. Traumatized even. Don't know how I will face the world. I am so happy some lawyers are fighting for what is right.NOTICE OF PENDING CLASS ACTION AND NOTICE OF PROPOSED SETTLEMENT
ANGEL FRALEY V. FACEBOOK, INC.
You are receiving this e-mail because you may have been featured in a "Sponsored Story" on Facebook prior to December 3, 2012.
A federal court authorized this Notice. This is not a solicitation from a lawyer.
Why did I get this notice? This Notice relates to a proposed settlement ("Settlement") of a class action lawsuit ("Action") filed against Facebook relating to a particular Facebook feature called "Sponsored Stories." According to available records, you may be a "Class Member."
What is the Action about? The Action claims that Facebook unlawfully used the names, profile pictures, photographs, likenesses, and identities of Facebook users in the United States to advertise or sell products and services through Sponsored Stories without obtaining those users' consent. Facebook denies any wrongdoing and any liability whatsoever. No court or other entity has made any judgment or other determination of any liability.
What is a Sponsored Story? Sponsored Stories are a form of advertising that typically contains posts which appeared on facebook.com about or from a Facebook user or entity that a business, organization, or individual has paid to promote so there is a better chance that the posts will be seen by the user or entity's chosen audience. Sponsored Stories may be displayed, for example, when a Facebook user interacts with the Facebook service (including sub-domains, international versions, widgets, plug-ins, platform applications or games, and mobile applications) in certain ways, such as by clicking on the Facebook "Like" button on a business's, organization's, or individual's Facebook page. Sponsored Stories typically include a display of a Facebook user's Facebook name (i.e., the name the user has associated with his or her Facebook account) and/or profile picture (if the user has uploaded one) with a statement describing the user's interaction with the Facebook service, such as "John Smith likes UNICEF," "John Smith played Farmville," or "John Smith shared a link."
What relief does the Settlement provide? Facebook will pay $20 million into a fund that can be used, in part, to pay claims of Class Members (including Minor Class Members) who appeared in a Sponsored Story. Each participating Class Member who submits a valid and timely claim form may be eligible to receive up to $10. The amount, if any, paid to each claimant depends upon the number of claims made and other factors detailed in the Settlement. No one knows in advance how much each claimant will receive, or whether any money will be paid directly to claimants. If the number of claims made renders it economically infeasible to pay money to persons who make a timely and valid claim, payment will be made to the not-for-profit organizations identified on the Settlement website at www.fraleyfacebooksettlement.com (if clicking on the link does not work, copy and paste the website address into a web browser). These organizations are involved in educational outreach that teaches adults and children how to use social media technologies safely, or are involved in research of social media, with a focus on critical thinking around advertising and commercialization, and particularly with protecting the interests of children.
In addition to monetary relief, Facebook will (a) revise its terms of service (known as the "Statement of Rights and Responsibilities" or "SRR") to more fully explain the instances in which users agree to the display of their names and profile pictures in connection with Sponsored Stories; (b) create an easily accessible mechanism that enables users to view, on a going-forward basis, the subset of their interactions and other content on Facebook that have been displayed in Sponsored Stories (if any); (c) develop settings that will allow users to prevent particular items or categories of content or information related to them from being displayed in future Sponsored Stories; (d) revise its SRR to confirm that minors represent that their parent or legal guardian consents to the use of the minor's name and profile picture in connection with commercial, sponsored, or related content; (e) provide parents and legal guardians with additional information about how advertising works on Facebook in its Family Safety Center and provide parents and legal guardians with additional tools to control whether their children's names and profile pictures are displayed in connection with Sponsored Stories; and (f) add a control in minor users' profiles that enables each minor user to indicate that his or her parents are not Facebook users and, where a minor user indicates that his or her parents are not on Facebook, Facebook will make the minor ineligible to appear in Sponsored Stories until he or she reaches the age of 18, until the minor changes his or her setting to indicate that his or her parents are on Facebook, or until a confirmed parental relationship with the minor user is established.
YOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT
SUBMIT A CLAIM FORMThis is the only way to be eligible to receive a payment, if the Court orders payment to Class Members.Deadline: May 2, 2013
EXCLUDE YOURSELFThis is the only option that allows you to retain the ability to file your own lawsuit about the legal claims in this case.Deadline: May 2, 2013
OBJECTWrite to the Court about why you object to (i.e., don't like) the Settlement and think it shouldn't be approved.Deadline: May 2, 2013
GO TO THE "FAIRNESS HEARING"
The Court will hold a "Fairness Hearing" to consider the Settlement, the request for attorneys' fees and expenses of the lawyers who brought the Action ("Class Counsel"), and the class representatives' request for service awards for bringing the Action.

You may, but are not required to, speak at the Fairness Hearing about any Objection you filed. If you intend to speak at the Fairness Hearing, you must follow the procedures stated on the Settlement website to notify the Court and parties of your intent when you serve your Objection.
Hearing Date: June 28, 2013 at 10:00 a.m.
DO NOTHINGYou will not receive a payment, even if the Court orders payment to Class Members. You will also be giving up your right to bring your own lawsuit related to the claims in the Action. You may be eligible to receive the non-monetary benefits of the Settlement, if the Settlement is finally approved.No deadline
Your Class Member Number: [ ]
To Parents and Guardians of Children on Facebook: The Settlement also involves the claims of minors featured in Sponsored Stories on Facebook. Please see the Settlement website for more information.
More information? For more information about the Settlement and how to take the actions described above, please visit www.fraleyfacebooksettlement.com (if clicking on the link does not work, copy and paste the website address into a web browser) or write to the Settlement Administrator at Fraley v. Facebook, Inc., Settlement, c/o GCG, P.O. Box 35009, Seattle, WA 98124-1009, or GCG@fraleyfacebooksettlement.com. You may also contact Class Counsel, Robert S. Arns of the Arns Law Firm, by calling 1-888-214-5125 or by emailing fb.settlement@arnslaw.com.
Peoples United /former Danversbank customers - settlement money
Added on : Sunday January 13th 2013 09:01:04 AM
Hi all, I am a former Danversbank and current Peoples United customer using rewards checking, and when checking my account, I had a Danversbank settlement credit amount of what looked like a month's interest for me. Anyone else have this andd/or know what its from? My wife use to have an account there as well, and did not get any kind of credit, which is why I ask.
Chase heloc settlement
Added on : Saturday January 12th 2013 09:01:00 PM
Only Former Customer Subclass Members who have incurred damages as a result of their HELOC suspension can receive a cash paymenthttp://www.chasehelocsettlement.com/
Fraud Using Daughter's (child) Identity
Added on : Wednesday January 02nd 2013 03:01:14 PM
Hello,
I've been reading the FW forums for a while now, but I finally decided to post.My wife recently found out she has a lot of debt. We have been inquiring about most of the charges and every company keeps telling us that they can not give us information because she is not the account holder. Her SSN was used for all of the accounts, but they were not in her name. There are also student loans that she never signed for or even knew she had. This didn't make any sense as she had an athletic scholarship to play soccer at her university. The only way we even found out about the student loans is because she started receiving calls from collection agencies.We have been requesting signatures and any proof the companies could have to prove my wife opened any of this stuff only to show that her mom did it all. She forged her daughter's signatures and used her social because her credit was already ruined. This was all done when my wife was an adolescent. She is now 25.While investigating that, we also found out that my wife had a trust fund left to her when her dad passed away. She was to receive this when she turned 18, but never did. We got the case documents showing all the activity of the account and a check was signed for and mailed shortly after my wife turned 18. She never even knew she had it until 2 weeks ago when her grandmother, mother of deceased father, told her about it. Her grandmother said that her father left her $15,000 in a trust fund with compounding interest. To add to the matter, she won a case settlement for an injury from when she was 2 years old, totaling $11,306. All of which her mother gained access to and spent with out my wife ever knowing. I have talked briefly with a lawyer about how to address these issues. The only way we can begin any type of settlement for the student loans is to press charges against her mother. I may be SOL with the other issues, but what other courses of action can we take? Is there anything we can do to salvage this? I still cant fathom what type of mother would do this to her child. Unfortunately at this point, I am not concerned with our relationship, as this needs to be an eye opener for her, and more importantly, I need to restore some normalcy to my wife's credit (long shot).Thanks in advance.
Bank of America Securities class action lawsuit
Added on : Friday December 28th 2012 06:01:20 PM
Just a heads up for anyone that owned Bank of America stock between October 10, 2008 and held until at least January 12, 2009.There is a 2.3 billion dollar class action lawsuit settlement that you can apply for. Bank of America failed to disclose to shareholders billions of dollars in losses at Merrill Lynch while shareholders were voting on the merger. Additionally, several billion in bonuses were paid out during these hefty losses.I suspected this is one of those scenarios where the class action lawyers walk away with a fortune and everyone else gets pennies but it looks like I'll get several hundred dollars (hopefully). Based on all the stockholders on those dates, the minimum settlement will be around $0.40 per share owned during those dates. It will likely be much higher as not everyone will file. The website for more information is Link. The deadline to file is April 25, 2013.
Last Day to Sell a Stock and Record Loss in FY2012
Added on : Sunday December 23rd 2012 02:01:03 AM
Sorry if this topic has been discussed already. I did a search but didn't find anything similar.What is the last day when a stock can be sold (or a short-sale covered) and have the transaction still in FY2012 for tax purposes? I know about the T+3 settlement rule but was wondering if I can sell a stock (or cover a short position), say, on December 31 and still have it recorded in 2012 for tax purposes.
--TIA
Advice on IRS lien
Added on : Thursday December 20th 2012 06:00:58 PM
My father died owing the IRS $13,000 and was on a payment plan with them when he died. The put a lien on the the house which is paid for. He left the house for me and my bother. He had close to zero cash when he died. I think there is $1000 now after funeral expenses and other expenses and bills. My brother talked to them and they said they weren't in the house selling business and that a lien would remain on the house until it was paid and nothing more was likely to happen. I don't know if I believe that. Well in the meantime, we moved my mother in the home and I am worried that they will sell the house to get their money and throw her out on the street. We are also collecting rent from her and putting into an account which we originally decided we would let grow for a few years and then go and offer them a cash settlement and get it paid. The house is a very small house, maybe worth $20,000? I have no idea but I would like to keep it for an investment and get the IRS paid and I don't think my brother cares what happens to the home. He is also the executor of the will and he has not gone through probate yet. Not sure what the hold up is, my Dad did own some medical bills but I'm not sure how much. Any advice on what to do would be appreciated.
Builder trying to settle early
Added on : Wednesday December 19th 2012 05:00:59 AM
The builder/seller of a new home I am purchasing is asking to settle about a month earlier than the settlement date and would compensate me for this. Settlement will be at the end of Dec '2012 instead of end of Jan 2014. Everything will be completed by the settlement date. Are there any things to look out for? I know I will be taking on interest on the loan, taxes etc. one month earlier. Are there any other things I am missing?
Desperate for advice
Added on : Sunday December 09th 2012 02:01:02 PM
I need some advice. My 23 year old son just lost his job and moved home. Turns out he has about $15,000 in credit card debt, hasn't made a payment in months, is overdrawn at the bank, and has a total of $2 cash. He is a college dropout and has gone from one minimum wage job to another and is probably not eligible for unemployment (fired from pizza delivery following an at fault MVA). Current job prospects where we live are limited.He also has student loans of $10,000 and a car loan of $4,000 and I am making those payments as I co-signed the loans.I hope this is his bottom and he is now asking for advice. What can he do about the credit cards? Bankruptcy, debt settlement, anything? I did have him call a credit counselor but they seemed more interested in getting money for themselves rather than find a soluction. I am sorry but I am just overwhelmed.
Land Tax and Transfer Taxes whose responsibility is that?
Added on : Friday December 07th 2012 12:01:04 PM
I am purchasing a new home in MD, Montgomery County with the settlement in in January '13. I am paying the property taxes per the contract. Looking at the HUD1 provided by the builder's settlement company, they have included an amount of approx. 2K of Land Tax for the period of 7/01/2012 to 06/30/2013 (I didn't sign contract until mid July 2012). This is different from the Transfer Taxes which I know I have to pay and don't have any problem with that. I spoke with other settlement companies who had no idea what that meant but the buider's settlement company forwarded a bill to me that is due on 12/31/2012 for the amount above of 2K as proof of the land taxes. I also spoke with the county tax assessment office and I was told that the amount has been paid by the builder but couldn't tell me if it was the builder's responsibility or not. I have been going back and forth with the builder's settlement company but they are insisting that I am responsible for the taxes. Is anyone familiar with this kind of tax? Should there be a Land Tax besides the Transfer Taxes? It also looks like the taxes were assessed before I even signed the contract. At this point, it looks like I will be better off with another settlement company who may not be pushed to include that in the closing costs.
Settlements received IPO Litigation - The Garden City Group
Added on : Monday December 03rd 2012 04:01:13 PM
Back in July 2009 I filed claims with them for several stocks that I owned during the Dot Com collapse including eToys, TicketMaster, Eloan, TheGlobe.com, TheStreet.com. The list of stocks is large, pages long.Anyway, payouts were made on 11/30/12, and I received two checks today, so keep an eye open if you filed in this. I've received past payouts for AOL, Excite@Home and others. I figure after about 1,000 more, I'll be made whole from my losses...
Chase Freedom surprise credit for id theft/fraud protection program
Added on : Wednesday November 21st 2012 01:01:14 PM
I just checked my Chase Freedom card online and found a $157.03 credit coded as ID/FRAUD PROTECT CREDT 88 of posted on 11/19. I called them up and they said it's for a service I had on my card in the past for which I hadn't been receiving full benefits. Bottom line is that it's legitimate.They supposedly sent a letter explaining it that I'll probably get in another day or two. All I can think of is that I may have signed up in the past for a one-month free trial to get a promo and cancelled it immediately and that it qualified me some legal settlement.Gotta love this bank.
Class Action LCD Lawsuit: Many FWF will Qualify
Added on : Wednesday November 14th 2012 11:00:57 AM
IF Resident of one of these states at any point in time between 1999 and 2006:Arizona, Arkansas, California, Florida, Hawaii, Iowa, Kansas, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, New York, North Carolina, North Dakota, Rhode Island, South Dakota, Tennessee, Vermont, West Virginia and Wisconsin.AND you bought anything that used an LCD screen like a computer monitor, laptop computer or TV during that time period...You are entitled to a $25+ settlement check.No receipts necessary. Asks for name, address, email address, number of devices you bought, last 4 digits of SSN (which presumably you can fake and probably should fake for privacy reasons)https://lcdclass.com/
Morgan Keegan Settlement Distribution Question
Added on : Friday November 09th 2012 09:00:59 PM
So, I lost a lot of money in my IRA by listening to financial "experts" and investing in a dud of a fund by Morgan Keegan. There was a class action lawsuit, and I got a check in the mail today for a couple of thousand made out to "JOHN SMITH ROLLOVER IRA". The accompanying letter claims they don't know how this will be treated tax-wise or where to deposit it. John Smith is, of course, not my real name.Any CPA's here know what to do with this check? Should I call the brokerage that has my rollover IRA and deposit it there? Is something like this taxable at this time?Thanks in advance.
Apparently a large class action suite is in the process of making settlement funds available to select claimants:The main site with details and an online claim form is here.See here for distribution information.
---------------Below is what the claim form will present to each filer:---------------
PART 1: QUALIFICATIONS*Did you reside in one of the following states or the District of C_olumbia between January 1, 1999 and December 31, 2006: Arizona, Arkansas,
California, Florida, Hawaii, Iowa, Kansas, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, New York,
North Carolina, North Dakota, Rhode Island, South Dakota, Tennessee, Vermont, West Virginia and Wisconsin?
*2. Did you buy a television, monitor and/or notebook computer containing an LCD Flat Panel within one of these states or the District of
C_olumbia, for your own use and not for resale, while residing in that state or the District of C_olumbia between January 1, 1999 and December
31, 2006?
*3. Did you buy a television, monitor and/or notebook computer containing an LCD Flat Panel from a company other than the following LCD Flat
Panel manufacturers: AU Optronics, Chimei, Chunghwa, Epson, HannStar, Hitachi, LG, Samsung, Sharp or T_oshiba? For example, if you purchased
one of these products from a retailer like Best Buy or a computer manufacturer like D_ell, your answer should be "Yes." The brand of product
does not change your answer. So, if you bought a Samsung-branded television or a T_oshiba-branded notebook computer from Best Buy your answer
is still "Yes." However, for example, if your only purchase was a television or notebook computer bought directly from Samsung or T_oshiba,
your answer would be "No."  
PART 2: PURCHASES
*In the fields below, please enter the total number of the following products you purchased from January 1, 1999 through December 31, 2006
containing an LCD Flat Panel:
*Total Number of Televisions:
*Total Number of Monitors:
*Total Number of Notebooks:  
CertificationBy clicking "I (We) Certify" below, I (We) certify that the information I have set forth in the foregoing online Claim Form is true, correct
and complete to the best of my knowledge. I (We) certify that I (we) purchased # televisions, # monitors and/or # notebook computers
containing an LCD Flat Panel in January 1, 1999 - December 31, 2006.I am not an officer, director, agent, or employee of any of the Defendants in this litigation (AU Optronics, Chimei, Chunghwa, Epson, Hannstar,
Hitachi, LG, Samsung, Sharp, T_oshiba) or an immediate family member of such persons; and I am not a judge or a member of the Judge's staff
in this lawsuit or an immediate family member of such persons; and I have not requested to be excluded from the Classes or Attorneys General
Actions.I certify that the foregoing information supplied by the undersigned is true and correct to the best of my knowledge.
DeBeer's Diamond Class Action Settlement Update
Added on : Sunday November 04th 2012 01:00:52 PM
Updated August 31, 2012Found this update on the diamond class action suit some of us joined. Looks like our money is coming in the next 4 months.
The Fairness Hearing was held on April 14, 2008, and the District Court approved the Settlement on May 27, 2008. Appeals were subsequently filed contesting final approval of the Settlement. A hearing on these appeals was held on January 28, 2010, at the Third Circuit Court of Appeals in Philadelphia. On July 13, 2010, the appeals court sent the settlement back to a lower court for further consideration. On August 27, 2010, the Court issued an order granting plaintiffs' request for a rehearing by the entire Court, thereby making the first appellate court decision no longer in effect. The Court heard the appeal again on February 23, 2011. On December 20, 2011, it held that the settlement complied with the law and should be approved. On May 21, 2012, the U.S. Supreme Court denied the final petition for review. Pursuant to an Order of the Court, Initial Distribution checks were mailed to Authorized Reseller Claimants on August 31, 2012. Please see the Resellers Home Page for more information about the Initial Distribution. The claims administrator is conducting final claim audits, and distribution of settlement funds to other subclasses should take place within the next few months. Please visit the website periodically for any further updates. https://diamondsclassaction.com/index.htm
LCD Indirect Purchaser Settlement (select States qualified)
Added on : Saturday November 03rd 2012 09:00:51 PM
Apparently a large class action suite has made funds available to select claimants:The main site with details and an online claim form is here.See here for distribution information.
---------------Below is what the claim form will present to each filer:---------------
PART 1: QUALIFICATIONS*Did you reside in one of the following states or the District of C_olumbia between January 1, 1999 and December 31, 2006: Arizona, Arkansas,
California, Florida, Hawaii, Iowa, Kansas, Maine, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, New York,
North Carolina, North Dakota, Rhode Island, South Dakota, Tennessee, Vermont, West Virginia and Wisconsin?
*2. Did you buy a television, monitor and/or notebook computer containing an LCD Flat Panel within one of these states or the District of
C_olumbia, for your own use and not for resale, while residing in that state or the District of C_olumbia between January 1, 1999 and December
31, 2006?
*3. Did you buy a television, monitor and/or notebook computer containing an LCD Flat Panel from a company other than the following LCD Flat
Panel manufacturers: AU Optronics, Chimei, Chunghwa, Epson, HannStar, Hitachi, LG, Samsung, Sharp or T_oshiba? For example, if you purchased
one of these products from a retailer like Best Buy or a computer manufacturer like D_ell, your answer should be "Yes." The brand of product
does not change your answer. So, if you bought a Samsung-branded television or a T_oshiba-branded notebook computer from Best Buy your answer
is still "Yes." However, for example, if your only purchase was a television or notebook computer bought directly from Samsung or T_oshiba,
your answer would be "No."  
PART 2: PURCHASES
*In the fields below, please enter the total number of the following products you purchased from January 1, 1999 through December 31, 2006
containing an LCD Flat Panel:
*Total Number of Televisions:
*Total Number of Monitors:
*Total Number of Notebooks:  
CertificationBy clicking "I (We) Certify" below, I (We) certify that the information I have set forth in the foregoing online Claim Form is true, correct
and complete to the best of my knowledge. I (We) certify that I (we) purchased # televisions, # monitors and/or # notebook computers
containing an LCD Flat Panel in January 1, 1999 - December 31, 2006.I am not an officer, director, agent, or employee of any of the Defendants in this litigation (AU Optronics, Chimei, Chunghwa, Epson, Hannstar,
Hitachi, LG, Samsung, Sharp, T_oshiba) or an immediate family member of such persons; and I am not a judge or a member of the Judge's staff
in this lawsuit or an immediate family member of such persons; and I have not requested to be excluded from the Classes or Attorneys General
Actions.I certify that the foregoing information supplied by the undersigned is true and correct to the best of my knowledge.
Canadian Export Antitrust Settlement - claims being mailed
Added on : Saturday November 03rd 2012 02:00:52 AM
Not sure if anybody really cares about this since you can't file for it anymore - but I just received a settlement check from this class action thingy. The check was for $150.81 - not bad! If you did file for it, watch your mail for this check from an unexpected source - I was half thinking it was some kind of junk mail before opening the letter.
Citimortgage sent me a loan modification package without me asking
Added on : Friday November 02nd 2012 01:00:54 AM
Hi everyone,I did a bit of googling and could not really find anybody mentioned that from any lenders. So before responding to Citi, I am all ears for your inputs.Here is the background. We bought the house at 2005, and are current on payment though the house is underwater. Citi has our first mortgage, with a 10/1 ARM scheduled to reset at year 2015. Current rate is 5.5. We contacted Citi for any relief when the government started to help underwater home owners. Citi basically told us that we are making too much money, or had too much liquid asset to qualify. Then I became unemployed in early 2011. We contacted Citi again to see if they can help by filling out the Citimortgage online questionnaire. We got similar response as my wife still make too much money, or we had too much assets. I was pissed, as seemed the only way to get a modification is to default the loan.Fast forward to today. I came home and found a UPS package. Inside was another very nice package with a blue ribbon, together with a return UPS prepaid envelope. The blue ribbon says: "You Are Approved. No fees. No closing costs. No additional documents required. Just read, sign and return the enclosed Modification Agreement. Call 1-877-483-9180 if you have any questions." Inside the nice package that wrapped by the blue ribbon are a one page cover letter, and two copies of the loan modification. Each copy of the loan modification is only 4 pages, rather than the original loan documents that was hundreds of pages.The cover pages basically congratulates we keep paying at difficult times, and dropped the rate from 5.5 to 4.5. Loan maturity date was not change. The details about the new monthly payment in the 4-page loan modification document confirmed no fees. The only thing they will do is to roll November's interest into the principle, as they expect to execute the modification on Dec 1.Now, one thing I was wary about after seeing the cover letter is that if signing such a modification will disqualify me from any future government mandated relief, as this modification seems to be too easy to get -- after tried twice in the past and both got shot down. I read through the terms, and did not quite see anything like that. There is one clause I did not fully understand though. It has something to do "National Mortgage Settlement Program", and the clause stipulates that I consent the lender to disclose my personal information to the National Mortgage Settlement Program. What does that mean?I also notice on the back of the cover letter, there is this disclosure, which seems cryptic to me: "To the extent your obligation has been discharged, dismissed, or is subject to an automatic stay of bankruptcy order under title 11 of the United States code, this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect any such obligations."Now, I know I have nothing to do with bankruptcy, however "is for compliance" (highlighted by me) seems to indicate Citi was doing this by government mandate. Citi also mentioned that I can call the MHA HELP line at (888) 995-HOPE for help if I have questions besides their help line. I will definitely call to ask few more questions tomorrow, however I would appreciate if you are aware of this, and knows anything that I should be careful about.Thank you,
Jerry
Amerisave Mortgage Corporation - Class Action Settlement
Added on : Monday October 29th 2012 07:00:56 PM
Official Web SiteJust received an e-mail about this. It applies to those who applied for a mortgage with Amerisave and had any of the three situations occur:(1) paid a property appraisal fee between August 18, 2008 and October 12, 2012
(2) paid a cancellation fee between August 8, 2007 and June 5, 2012
(3) paid a credit check fee that exceeded the amount of Amerisaves cost to obtain the credit check between July 30, 2009 and May 9, 2011.Amerisave was known in certain cases to not lock the rate (and provide a GFE) until a property appraisal was performed and the appraial fee paid. NOTICE OF CLASS ACTION SETTLEMENTA settlement has been proposed in a class action lawsuit about fees charged by Amerisave Mortgage Corporation (Amerisave). The Settlement provides compensation to consumers who applied for a mortgage loan from Amerisave, did not obtain a mortgage loan from Amerisave, and paid certain fees. You have received this notice because records indicate you may be a member of the Class. If you qualify, you will receive a payment if the Settlement is approved without any further action on your part. You may instead choose to exclude yourself from the Settlement, or object to it.To learn more about the Settlement and to see a full notice explaining your rights and benefits go to AmerisaveMortgageSettlement.com.
Plaintiffs Junichiro Sonoda, Lien Duong, and Marvin Kupersmit filed this class action against Amerisave. The lawsuit alleges that Amerisave misled consumers who sought to lock in mortgage rates, requiring them to pay a property appraisal fee before providing a Good Faith Estimate, charging a cancellation fee, and charging a credit check fee that exceeded the amount of Amerisaves cost to obtain the credit check. Plaintiffs alleged that each of these is a violation of the law. Amerisave has denied any wrongdoing.The Settlement:
The proposed Class Settlement will provide a cash payment if you applied for a mortgage loan from Amerisave (either as a borrower or co-borrower), did not obtain a mortgage loan from Amerisave based on that application, and in connection with that application (1) paid a property appraisal fee between August 18, 2008 and October 12, 2012, (2) paid a cancellation fee between August 8, 2007 and June 5, 2012, and/or (3) paid a credit check fee that exceeded the amount of Amerisaves cost to obtain the credit check between July 30, 2009 and May 9, 2011. Excluded are all persons (i) who have settled or released these claims against Amerisave, (ii) who previously received a full refund of the disputed charges, and (iii) who previously had the full amount of the disputed charges applied to a subsequent mortgage loan application that was accepted and the mortgage loan was funded. If the Court approves the Settlement, you may be entitled to a cash payment, the size of which will depend upon which fee(s) you paid. The Settlement provides that Amerisave will pay a total of $3.1 million towards resolution of these claims, Class Counsels attorneys fees, service awards to the Plaintiffs, and the cost of administering the Settlement. If you qualify as a member of the Class, it has been determined based on the Loss Formula provided in the Plan that you will receive approximately 13.573% of the appraisal fee, cancellation fee, and/or excessive credit check fee. Your Rights:
To participate: If you qualify, you can simply do nothing and receive a payment. If your mortgage loan application had co-borrowers, the payment will be made to the Class Member who was identified as the borrower on the application. You will release all your claims against Amerisave about the legal issues in this case. This means that all of the Courts orders will apply and be legally binding on you. You may, but are not required to, enter an appearance through an attorney if you desire.To exclude yourself: If you do not want a payment and you do not want to be legally bound by the Settlement, your opt-out request must be postmarked by January 11, 2013, and sent to: Amerisave Mortgage Settlement, Settlement Administrator, EXCLUSIONS, c/o A.B. Data, Ltd., PO Box 170500, Milwaukee, WI 53217-8042. Your request to opt out of the Settlement Class must contain your original signature, current postal address, and a specific statement that you want to be excluded from the Settlement Class. If you do not exclude yourself by that date, you will be bound by the release of claims and judgment in this Settlement. To object: If you remain in the Class, any objection you have to the Settlement must be received by January 11, 2013. You may also object to Class Counsels application for attorneys fees and expenses, which must be postmarked by January 11, 2013. Please note that, if you make an objection and that objection is rejected by the Court, you will be bound by the Settlement if it is approved. The only way not to be bound by the Settlement is to exclude yourself from the Settlement (i.e., opt-out).The hearing: The Court will hold a hearing in this case (Sonoda, et al. v. Amerisave Mortgage Corp., Case No. 3:11-cv-01803) on February 28, 2013, at the United States District Court for the Northern District of California to consider whether to approve (1) the Settlement as fair and reasonable and (2) an award of attorneys fees and expenses of up to $775,000 and a service award to each Named Plaintiff of $5,000.
Cash Settlement/Refund on Bayer ($4-$6) (no proof of purchase needed)
Added on : Monday October 29th 2012 06:00:41 PM
You can receive a cash refund of $4 or $6 for each purchase of Bayer Women's Low-Dose Aspirin Plus Calcium or Bayer Heart Advantage aspirin product you purchased. No proof of purchase necessary.To receive your cash payment from the Bayer aspirin class action settlement, you must submit a Claim Form online at www.BayerCombinationAspirinSettlement.com or to the following address postmarked no later than April 29, 2013:
Bayer Combination Aspirin Litigation Settlement
c/o Gilardi & Co. LLC
P.O. Box 808061
Petaluma, CA 94975-8061Phone Number to call for assistance: (877) 257-5766
If you purchased Bayer Women's Low Dose Aspirin + Calcium or Bayer Aspirin with Heart Advantage, you may be a member of the Bayer Heart Advantage Class or the Bayer Womens Class (collectively referred to as the Settlement Classes) and thus eligible to receive money from the settlement depending on (1) which Combination Aspirin Product you purchased, (2) whether you purchased it for personal, family or household uses, and (3) when it was purchased. Each Settlement Class only includes purchases of specific Combination Aspirin Products during specific periods of time.If you purchased one or more of the Combination Aspirin Products for personal, family or household uses then you are eligible to participate in one or both of the Settlement Classes described in this Notice, provided that your purchase occurred during the time periods specified for each Settlement Class.
large NEGATIVE cash balance in IRA with NO assets
Added on : Friday October 26th 2012 11:00:56 AM
So I had some cash to invest in my Roth IRA and decided to try to take advantage of a bonus being offered by one of the big brokerages for ACAT transferring in cash/securities when the following events occurred (in chronological order):
1. I initiated the ACAT transfer.
2. I found out the destination brokerage didn't offer the mutual fund I wanted to buy and, so, decided it was no longer worth chasing the bonus.
3. I faxed the source brokerage a letter rescinding the ACAT transfer (to which they responded that they could not guarantee cancellation, but agreed to make their "best effort") and I placed an order to buy the mutual fund at the source brokerage (because this fund has a 5 business day settlement, I knew there would be plenty of time to get the cash in the right place one way or another).
4. ACAT deposit clears at the destination brokerage.
5. Days pass and the source brokerage sends me a notice saying if I don't redeposit the cash at least several hours BEFORE the settlement time, they will begin liquidating the other securities in my account.
6. I wire transfer (not ACH) the cash from the "destination" brokerage to my external checking account and redeposit the funds at the "source" brokerage as a 60-day rollover (via check and in person because I wanted to make sure it got coded correctly).
7. Mutual fund purchase settles and everything looks good.
8. Duplicate cash suddenly appears the next day at the "source" brokerage and I use it to purchase long dated treasuries to keep it safe.
9. Negative balance posts to IRA at "destination" brokerage from rescinded ACAT transfer. I'm not going to say exactly how much the amount is, but it's more than the maximum annual contribution limit for IRAs and, even if it weren't, I'm not eligible to make contributions to IRAs anyway because I don't have any "earned" income. So I can't legally make a deposit to cover the debt, nor can I withdraw it to put it back because there is only one indirect 60-day rollover allowed per 12 month period, nor am I certain it would even be legal for me to request a direct trustee-to-trustee ACAT transfer of the funds BACK to the "destination" brokerage because the assets are NOT inside the IRA with the debt and satisfying debts with assets from outside an IRA is a transaction prohibited by the IRS.On the other hand, I don't have any assets at the "destination" brokerage that they could liquidate or transfer to cover the debt: neither in any tax advantaged account, nor in any taxable account. So is there anything they can do to me if I just keep the money? After all, it's my understanding that my IRA and myself are not the same legal person, so I'm not really the person that owes them nor is it even my fault because they're the ones that made the mistake, no?
E-Book Pricing Settlement - watch your email
Added on : Thursday October 25th 2012 08:00:51 AM
I just received an email notice from Barnes and Noble regarding the recent e-book pricing settlement. B&N wasn't a party to the lawsuit. I've heard of others getting emails from Amazon regarding Kindle purchases as well. So, if you buy ebooks from B&N or Amazon (Apple and the other two publishers are in a separate suit), watch your email. The publishers involved in this case are Simon & Schuster, HarperCollins, and Hachette. No word yet on how big my chunk will be, but almost every book I buy is either S&S or HC, so hopefully at least a few bucks... Here's the whole message quoted. Bolding mine. Dear ___________,

We are emailing you again to share some good news. We're pleased to tell you that you are eligible for gift certificate credits thanks to recent legal settlements between States Attorneys General and three eBook publishers. Barnes & Noble was not a party to the settlements but as a NOOK customer, you can take advantage of the benefits agreed to by the settling publishers.

Although we are required to notify you now of the settlements, there is nothing you need to do to receive the credits as you will receive them automatically in the form of an electronic gift certificate sent via email. Once the settlements' claim period ends, the Attorneys General will calculate the amount of your credits. If the Court gives final approval to the settlements, we expect to be able to send you your gift certificate in the first half of 2013.

Once you receive your gift certificate, you can register it on our website, www.bn.com, for up to one year. Once registered, no further action will be required on your part, and the certificate will have no expiration date and you can use it any time to shop the wide selection of great titles on BN.com.

You may prefer to receive a check instead of a gift certificate, or you may decide not to participate in this settlement at all. If you want to consider either of these options, we recommend that you review the steps you can take, as well as your rights, which are explained in the attached legal notice.

As always, we appreciate your business and thank you for being a valued NOOK and Barnes & Noble customer.

Sincerely,
Barnes & Noble


Benefits from an Attorney General E-books Settlement Fund
Para una notificacin en Espaol, llamar o visitar nuestro website.
Records indicate that you are eligible for a payment from Settlements reached by the State Attorneys General with E-book publishers Hachette, HarperCollins, and Simon & Schuster. The Settlements resolve an antitrust lawsuit about the price of electronic books (E-books). Barnes & Noble has not been sued in this case. It is providing this notice as a service to its customers.

What the Settlements Provide
The Settlements create a $69 million fund for payments to consumers who purchased qualifying E-books from April 1, 2010 through May 21, 2012. If the Court approves the Settlements, eligible consumers like you will receive credits to your E-reader accounts. The credit can be used on any purchases of E-books or print books. The amount of your payment has been determined based on the qualifying E-book purchases identified by Barnes & Noble in your E-reader account.

How to Receive your Benefit
Because you are pre-qualified, you do not need to do anything at this time to receive your credit. If the Court approves the Settlements, you will receive another email letting you know how to activate your credit. Once you activate the credit, it will be applied to your account by Barnes & Noble. (If you bought E-books from more than one retailer, you may receive notices with different instructions about whether you will receive a credit or need to file a Claim Form for that retailer. You will have a separate claim for each retailer and you should follow the specific instructions from each one.)

You also have the option to receive a check instead of your credit. You can request a check by calling 1-866-621-4153, or going to the Settlement website listed below, and clicking on the Check Request Option link. Be sure to reference the Settlement ID number found at the bottom of this email.

The Settlement website is: www.EbooksAGSettlements.com

Your Other Rights
You can choose to exclude yourself from the Settlements and keep your right to sue on your own. If you exclude yourself, you cant receive any benefits from the Settlements. If you dont exclude yourself, you can submit objections about the Settlements.

Your written Exclusion Form or objections must be postmarked by December 12, 2012. Please visit the Settlement website for detailed information on how to submit a valid Exclusion Form or objection.

A separate lawsuit against two other publishers and Apple, Inc. continues and is set for a trial in 2013. Your rights in the separate suit are not affected by any action you take in regards to these Settlements. The Court will hold a hearing on February 8, 2013 at 10 a.m. to consider whether to approve the Settlements. You or your own lawyer may ask to appear and speak at the hearing.

For more detailed information:
Call 1-866-621-4153 or Visit www.EbooksAGSettlements.com
URGENT -Small Claims Judgement - How to Remove from Credit Report
Added on : Friday October 19th 2012 03:00:57 PM
Hello ALLI had a small claims suit against me (landlord). The tenant was the plaintiff. I rented a room to the plaintiff for 2 months starting July 1st 2012.I was paid a part deposit for securing the room and the rest few days before the plaintiff was supposed to move-in. The plaintiff called me 2 days before the start of the month that she changed her mind due to hardship and hence wouldnt be able to take the place. After I informed her that I would need to keep her 500$ deposit and adjust it against loss of rent when the future tenant would move -in, she got upset and At this point she demanded her full money back since she said there was nothing in the sublease which mentioned that I could do that. I informed her that this is as per state law and hence she couldnt refuse. She started threatening me going to cops, small claims and everything like a maniac. I respectfully wrote to her that I would refund her 200$ more than what it had cost me for the room being kept empty since I found a new person only 9 days later. she did not budge and wouldnt take a penny less else no discussion and no settlement. She never left her current address Only address I had was from her DL while signing the sublease where she wasnt staying . So I sent her a certified letter there with all the explanation and deduction of chargesCome September she filed small claims and I had to appear on Oct 5th. We went to mediation and again offered her 200$ , she wouldnt take a penny less as per the her communication to the mediator. Went to trial in front of the judge. Judge decided to honor the signed contract and told her that as per law i am entitled to damages since the room was empty but still gave judgment for me to pay her 90$ which included the amount i charged for taking time off work,re-renting costs apart from the rental costs to cut her losses. I informed the judge that I had offered to pay more and settle in interest of everybody's time but she refused to talk to me or give her address so I sent her a certified letter at her DL's address and never heard backLong story short I paid 90$ and today I see negative item on my credit report and my score dips by 60 points. I was like WTH I already paid her, she took me to court for her own mistake. I spent more time and effort to re-rent the room to not sue her for more and now I am getting impacted so bad for no fault of mine I also offered to pay her in court but she just left even before the judge could finish her judgment. Everywhere I google they say this information is public records so will remain on your credit history. But this is so very wrong, this lady tried to rent my room, creates drama, messes my entire work schedule (time to show and re-rent) and now this is damaging my credit. I feel this is so unfair. I need urgent advice of what to do to remove this from credit report. Any alternatives, should I file motion to reopen and dispute the record I have no experience with courts and never thought that this would be on my credit report as long as I paid , Especially when in my eyes she clearly lost the battle as she never got her amount she sued for and the judge never agreed to her argument that document is invalid
Lending Money Against an Upcoming Liability Claim
Added on : Wednesday October 17th 2012 12:00:55 AM
Here is my situation: I have a relative who will be receiving the final $30k installment on a liability settlement in nine years. This person could really use that money now as a down payment on a house. Presumably, the insurance company will discount her payout by 13% today effectively giving her only $10k if she cashes out now. A separate relative and I am considering offering her a 5% discount rate allowing her about $20k of her maturity value today. Ignoring the personal issues of "lending to a relative" which I can reconcile, I have two questions:1) Can we legally protect ourselves to ensure that the insurance installment is effectively paid to us without any risk?
2) Presumably the settlement will not trigger a tax liability because it was a personal injury settlement. However, I assume we would have to claim the $10k in "interest" upon receipt of the settlement, correct? Thanks for any input.
Official Website for Sarabi v. Weltman SettlementIf You Received a Cellphone or Pager Call from Weltman, Weinberg & Reis Co., L.P.A. Using an Automatic Telephone Dialing System Between August 25, 2006 and August 25, 2010, Your Rights Could be Affected by a Class Action Settlement. A settlement has been proposed in a lawsuit called Sarabi, et al. v. Weltman, Weinberg & Reis Co., L.P.A. (Case No. 10 cv 1777 JLS (NLS) which is pending in the United States District Court for the Southern District of California.Your legal rights are affected whether you act or do not act. Read this notice carefully.
Your Legal Rights And Options In This Settlement:Do Nothing
Stay in the lawsuit. If the Court approves the settlement, you will be eligible to make a claim for a monetary settlement in an amount up to $70.00, or it could be less, depending on the total amount of claims received.Go to a Hearing
Ask to speak in Court about the fairness of the settlement.
Object Write to the Court and explain why you dont like the settlement.Exclude Yourself
Get no payment. This is the only option that allows you to be part of any other lawsuit against Weltman, Weinberg & Reis Co., L.P.A. about the legal claims on this case.These rights and options and the deadlines to exercise them are explained in the Frequently Asked Questions (FAQ) comprising the Notice about the Settlement. The Court in charge of this case still has to decide whether to approve the settlement.Important Dates:Claim Deadline: December 18, 2012Opt-out/Exclusion Deadline: December 28, 2012Final Fairness Hearing: January 18, 2013
Can I claim sales tax on ACV of salvaged vehicle before salvage deduction
Added on : Thursday October 11th 2012 07:01:08 PM
I was in a car accident last week for which the other party was completely at fault. Her insurance sent me a settlement with the following calculation:Cash Value = $3,818
Less Salvage Value = (500.00)
+Sales Tax (8.75%) - 290.33Net: 3608.33I argued that they should compute sales tax on the cash value of the vehicle before deducting salvage value (basically the amount I get to keep the car for). As an example, I told him that in CA if I buy a TV on sale, I have to pay sales tax on full list price of the TV before the discount. After researching I think I may be wrong, but I definitely remember this happening to me once or twice at retail places. Is this a correct argument? Even if it is not, am I still right that in order to be made whole, if they are saying the replacement cost of my vehicle is $3,818 then I should receive reimbursement of sales tax on that amount?Thanks!
Forgot to Attach Form W-2 for a small amount
Added on : Tuesday October 09th 2012 09:00:51 PM
Today I mailed my 1040 and State forms. However, soon after, I realized I forgot to attach Form W-2 for a Gross Settlement Award. The wage amount is $7.98. Federal tax withheld is $2. The state amount withheld is $0.53. My question is, should I mail these forms separately, or I can just ignore? Thanks!
HOA Construction Defect Settlement and my Retaining Wall
Added on : Tuesday October 09th 2012 01:00:57 PM
My wife and I bought our first house in Nov 2010. At the time of purchase I was provided with no knowledge of any issues regarding the ten foot wall, on the east side of our property, which retains our yard from a golf course. Last summer (2011) our neighbor informed us of defects with the golf course walls that had been identified as early as 2008 when the association received settlement resulting from a law suit. This was the first we heard about the wall having issues; neither the selling agent nor our inspector revealed this information to us at the time of purchase. Because I did not live in the community at the time of the settlement I am going to provide the email from my neighbor (who is also our sub-association HOA president) on the issue.

It has ALWAYS been my position that ALL "block wall and pillars" contained in the "Golf Course Wall" surrounding the communities of [sub association #1], [sub association #2], [sub association #3], [sub association #4] and [sub association #5] were included in the Construction Defect lawsuit [settled in 2008] and should be fixed using the subsequent settlement monies. I have personally accompanied members of the [Master Association] Board of Directors to inspect the sections of the wall that seem to be the most affected. The eastern wall of trekwars2000's property is certainly the most affected. As his neighbor to the north, I have personally requested/pleaded with the [Master Association] Board to fix his wall as a matter of health and safety utilizing the money set aside in the Construction Defect settlement to no avail. The prior owners of the property also requested the allotted Construction Defect money be used to remedy the situation but then finally gave up as they knew they did not have the financial means to "fight the fight".
That being said, for reasons only they know, the other [Master Association] Board members in office when the Construction Defect money distribution was determined, VOTED OVER MY OBJECTIONS, to define the term Golf Course Wall, to include "ONLY THE CONCRETE CAPS AND ROD IRON FENCING" AND NOT INCLUDE THE ENTIRE CONCRETE BLOCK SECTIONS.

I obviously still, to this day, disagree with their decision and, for the life of me, cannot figure out why the money awarded to [my Sub Association] in the construction Defect settlement and which still remains as a deposit in the [our Sub Association] reserve fund, cannot be used to fix trekwars2000's wall/pillars: a wall and pillars that were constructed at the same time as the caps and fencing were installed.

If I were trekwars2000, I would think it is about time to "fight the fight" and I would certainly support his position.
In discussions with my neighbor there was some "shady stuff" going on within the board at the time and he believes that the reason they will not replace my wall is three fold:1) An owner in another sub association paid for and replaced their retaining wall themselves.2) The board wanted to spend as little money as they could out of the Construction Defect lawsuit on actually replacing things that were wrong to fund a new community entry way. 3) The board's stance is that overwatering caused the retaining wall issues, not construction defect. However, in addition to the builder who constructed the golf course walls, the landscapers (who put in the irrigation on my property) were also in the settlement.
All this said, the money still exists in a reserve fund. It sits in a fund within the master association that is specifically labeled for our sub association. At the recommendation of my neighbor, the first step is to write a letter to my sub association board and ask that money from the Construction Defect settlement be used to repair my retaining wall and they should approve it. They will then take it to the master association where it will likely be denied. I would guess the step after that would be to retain counsel and sue the master association? What can I expect? If we win the suit can we sue them for lawyer costs as well as the cost to repair the wall? On a side note, do I have any recourse with the sellers agent for not disclosing the damage to the retaining wall or my original inspector for missing it?
Could this be an issue for my homeowners insurance or do they only cover inside my house?Thanks all for reading this - the wife and I are very nervous about this, but feel the best thing going forward is to fight for replacement. It leaves a bit of a sour taste in our mouth to think about having to replace it ourselves when the community received money in a settlement to fix the "golf course walls".
A friend of a friend owes my friend a couple thousand dollars. At the moment, he honestly wants to pay the money back, but can only afford monthly payments of a couple hundred a month. I'm being asked for advice on how to make a legally enforceable loan. I call him a "dude" because he will probably stop paying after a few or several months. At the moment he honestly wants to pay the money back, so how to create a legally binding loan that we can take him to court and get a settlement to garnish his wages when (not if) he stops paying?I googled the following, is this a good guideline?PromissoryNote
Make a Secured Note. All States. Legally Binding. Promissory Note
PromissoryNote.RocketLawyer.com
Step 1Write the date of the writing of the promissory note at the top of the page.
Step 2Write the amount of the note. Add the amount of the loan, written in numeric value and long form (written out in words), similar to how you would write a check.
Step 3Describe the note terms. Write out a description saying how the borrower is to repay the loan, such as with weekly, monthly or quarterly payments. Give the date the first payment is due by writing out the month, day and year. State the day and the months that subsequent loan payments are due as well. Finally, indicate the last day and month of the final payment on the note.
Step 4Write the interest rate. Describe the interest rate of the loan in a numeric value with a percent sign and in long form. State if the interest rate is a fixed or variable rate.
Step 5State if the note is secured or unsecured. If the borrower is using collateral to secure the loan, describe this on the promissory note. For example, if the loan is secured by a home or commercial property, state this in the note by including the property address and a description of the type of building it is (residential home, warehouse).
Step 6Include the names of both the lender and the borrower on the note, indicating which person is which.
Step 7Write the complete mailing address where each payment is to be mailed.
Step 8Each borrower should print and sign his name, as well as date the promissory note, to acknowledge the obligation to repay the loan.
Loan modification affect on credit score
Added on : Friday September 28th 2012 09:00:53 PM
Due to the National Mortgage Settlement, GMAC informed me that I am eligible for an interest rate decrease from 6.375% to 3.9%.In the letter they mention:We are required to report accurate information to credit reporting agencies. Upon completion of the modification, when we next report your loan to the credit agencies, we will report your loan as modified.Does anyone have any experience with how that can affect a credit score? I have been up to date on all mortgage payments so far.Their offer doesn't seem all that great. I am currently on an ARM which will be coming off of a fixed rate portion in a couple months. The variable rate will be LIBOR + 2.25%. Obviously there is a lot of future risk staying on the ARM, but I don't want to mess up my credit score either.Thanks for any insight.
Please check your email to submit a claim formClearwire customers: If you paid for retail services from Clearwire Corp. between Nov. 14, 2004,
and Feb. 27, 2012, you could be entitled to benefits under a class action settlement.
THIS NOTICE MAY AFFECT YOUR LEGAL RIGHTS. PLEASE READ IT CAREFULLY.This is an official court notice from the United States District Court for the Western District of Washington at Seattle.Dennings v. Clearwire, No. 2:10-cv-01859-JLR
This notifies you of a proposed settlement of three class actions against Clearwire.Clearwires records show you are a member of the Plaintiff Settlement Class. Plaintiffs claim Clearwire misrepresented its Internet service speeds by failing to disclose it might restrict its customers Internet speeds and that Clearwire provided poor Internet and phone service, engaged in misleading advertising, and imposed early termination fees (ETFs) that prevented customers from terminating because of poor service. Clearwire denies any wrongdoing and has asserted many defenses. In agreeing to settle, Clearwire does not admit any wrongdoing.As part of the proposed settlement, Clearwire will provide payments or credits to Class Members who submit a valid Claim Form. For details on the calculation of the dollar amounts of these payments/credits, go to www.DenningsSettlement.com. Clearwire will also enhance disclosures about network management policies and change its ETF collection policies.TO RECEIVE A PAYMENT UNDER THE SETTLEMENT, YOU MUST SUBMIT A CLAIM FORM BY JANUARY 9, 2013 (https://secure.gcginc.com/clw/logon.aspx). Your claim and control numbers for filing a claim online are xxxxxxxx and xxxxxxxxxx, respectively.If you want to exclude yourself from this Settlement, you must send a written request specifically stating that you request exclusion to Clearwire Litigation Settlement Administrator, c/o GCG, P.O. Box 9910, Dublin, OH, 43017-5810 postmarked no later than November 30, 2012.If you remain a Class Member, you may object to the Settlement by writing to the Court and sending copies to Counsel no later than November 30, 2012. Full details on how to object or exclude yourself can be found at www.DenningsSettlement.com.The Court will hold a hearing on December 19, 2012, at 3:00 p.m. to consider whether to approve the Settlement and award attorneys fees and expenses as requested, in an amount not to exceed $2 million. You or your lawyer may ask to appear and speak at your own expense, but you dont have to. The full text of the Long-form Notice and a downloadable Claim Form are available at www.DenningsSettlement.com. The website also explains the Settlement terms in more detail. Call (1-888-277-8960) or write to Clearwire Litigation Settlement Administrator, c/o GCG, P.O. Box 9910, Dublin, OH, 43017-5810 to request the Long-form Notice and Claim Form. This Notice is only a summary.
progressive insurance claim taking a long time
Added on : Monday September 17th 2012 12:00:52 PM
My daughter was in an accident in which her car was totaled. The driver of the other vehicle failed to yield at the green light left turn yield light. He hit her front end crushing the front; the air bags deployed. His car then spun into a city light pole. The adjusters determined the other driver 100% at fault. The problem is that the insurance company has yet to issue a settlement amount. The accident occurred on 08/07. So, it has been over a month. Her insurance has under-insured motorist coverage. Her insurance company (which also happens to be his company) paid for the emergency room visits for her and her 3 passengers, but they have not paid anything for her car, the storage fees at the place it was towed, or any other expenses. They say they haven't heard from the city about replacing the damaged light pole and 'there may not be enough money left to pay her.' Is this the way things normally work? We have lent her a car, but what would she have done if we hadn't just happened to have an extra car to lend her? How long is a driver expected to wait for reimbursement? She didn't want to rent a car because she wasn't sure they would pay for it. I feel like this is very unfair. What should we do?
If you used a credit card between the dates of January 1, 2011 and January 14, 2011 in California BBB stores and were asked personal information you may receive either a $7 gift card or a 15% coupon off @ BBB. More information below:BBBZipCodesettlement.com said: Under the proposed settlement, BBB has agreed to provide Settlement Class Members who submit a complete, accurate, valid, and timely Claim Form, a choice of either a seven dollar ($7.00) BBB gift card or a BBB discount certificate for fifteen percent (15%) off any purchase of up to $250.00. BBB denies all allegations of wrongdoing, and no court or other entity has made any finding or other determination of any wrongdoing.
BBBZipCodesettlement.com said: Plaintiff in the Salmonson Action alleges that Bed Bath & Beyond Inc. and Bed Bath & Beyond of California Limited Liability Company (collectively, BBB) violated California Civil Code section 1747.08 by requesting and recording personal identification information, including, but not limited to, home ZIP codes, of Bed Bath & Beyond customers who paid for merchandise in a California Bed Bath & Beyond store using a credit card.
BBB legal settlement
How to respond to a claim's adjusters settlement?
Added on : Thursday September 06th 2012 05:00:49 PM
Long story short, my son was hit by a vehicle five months ago while riding his bike home from school. The driver was charged with a hit and run after my son got his license plate and another witness. I took my son to urgent care to have him checked out. He had numerous soft tissue injuries plus some bruises from falling down on his bike when he was hit. I purchased a new bike for my son and the insurance adjuster has finally submitted a settlement for myself. Basically it was (New bike+Urgent Care co-pay+$25). Obviously I think this isn't fair but I'm thankful my son is okay. I did miss some work, but since I'm salary it didn't make too much of a difference. I had to go to court, make a statement, and drive my son around to give his record of the accident.What would be more appropriate to the adjuster? I'm not being greedy but $25 is an insult for my son being hurt, missing work etc.
Insurance Settlement from Hotel Injury
Added on : Thursday August 30th 2012 12:00:54 PM
Hello, just need some advice. Earlier this year my wife and i were staying at a hotel. As we were leaving to check out on our last day of the stay i lghtly bumped a 5 foot wooden vertical mirror in the room. The mirror fell and landed on my wife's foot. We had our 1 year old twins with us, and it just missed the one by a foot or so. The kids were crying, my wife was in shock and we had to head out to a wedding so we wrapped up here toe a bit and took the "hinge" downstairs and checked out and explained what happened. We were in a hurry to leave, they offered us complimentary breakfast and a bandaid as we were leaving. lolAnyway we finally get to our destination a couple hours later and her pinky toe is awful and still bleeding. We end up going to the emergency room, the toe was shattered and required numerous stitches. She was in a lot of pain and it still hurts her to this day 2 months later. We contacted the hotel who forwarded us to their insurance company to deal with the issue. A bit about the mirror. The mirror was heavy probably 40 pounds and was not fastened to the wall. It was merely hanging on a small piece of wood at the top. That piece of wood was put into the drywall with 2 small screws and not even anchored properly. The mirror and the wood piece that it was hanging on came off the wall. The insurance company has reimbursed us for all co-pays due to medical treatment. And we have recently heard from them after conducting their investigation that they are holding the hotel liable are all ready to compromise on liability and if ywe are seeking compensation for inconvenience and loss of wage then they need itemized list with supporting documentation that will then be reviewed for a settlement offer.My wife has no lost wages, she is a teacher and was on summer break, however her enitre summer she has had to deal with the pain of this injury and not being able to do enjoyable activities like riding a bike etc. So any idea what I should throw back at them??I know some will say we should have gotten a lawyer but we are not like that. We do not want a lawyer involved, we would just like a fair offer for her pain and suffering, inconvience it has caused, etc. We by no means want or expect a huge winfal from this, but hope that the hotel corrects this issue, because it literally could have killed our child or someone else's child.
Loan modification (India specific)
Added on : Wednesday August 22nd 2012 05:00:49 PM
I am trying to help a very poor family in India deal with overburdening vehicle loan. The person is an auto-rickshaw driver and is simply not being able to make the monthly payments. He still has about Rs 75k due with about Rs 3k EMI. The bank (Bank of Baroda) will likely repossess his auto if he fails to make payments. The auto itself is in semi-ok condition and is probably worth 30-40k at most, market value.Is it possible to reason with the bank that by repossessing the vehicle, they will not make much from its sale anyway. Then, push for a loan settlement to something substantially lower say around Rs 35-40k.I havent handled such cases in India before and was wondering if you guys have any advice. Is loan modification tractable in India?
Sell or Rent our home
Added on : Thursday August 16th 2012 02:00:46 PM
We are trying to decide if it would be wiser to sell our existing house or rent it.Here's the story.....We make settlement on our new home in just 2 weeks. Our existing home has been on the market and has sold....unfortunately, the people backed out 2 weeks ago, Ugh! We were given the excuse of "cold feet", and this was after good inspection reports. I know we may have legal recourse, etc. but it is just easier for us to move on right now.We would not be looking to make much money off of the sale of the old house due to the current housing market, maybe $15k. We've lost $40k on appraised value over the last 3 years. Appraised vs. Sale value are much different things but I thought I would mention it so you can get a feel for the money. Though any extra dollar from a sale is definitely welcomed, we do not need the cash from this house.If we were to rent, we would not do this on our own. We have already sought a management company who would handle the advertising, screening, credit checks, etc. as well as the maintenance calls and the ousting procedures is ever needed. With their fees, we would make about $200 a month once the mortgage is paid on it. As well as bring the principal down another $300+ a month. Any profit however would just go into a bucket for maintenance, in/out tenants, etc. I believe it will rent quite quickly as we are in a very sought after school district and finding a single home for rent in this area is nearly impossible.The home is a single home, 1850 sq. ft. on a large corner lot, 17 years old and in very good shape. Has a new Heat Pump/AC System and a roof that has another 10 years on it. I do see me replacing a water heater not too far down the road but I consider that minor.So, do we get a few bucks now, walk away stress free and avoid some possible headaches or take on some stress and possibly make more later in a better market? I know there are tax advantages and I have also already discussed this with my accountant and we are in good shape. I think my real question is, do I rent it so that I don't look back in 10 years and want to kick myself for selling it for such a meager profit?Thanks for listening to my long winded ordeal.troutspinner
"This book had a lot of good things that helped me rebuild credit." - Direck Chatman "The best credit repair guide I have ever read." - John Davis.Are you tired and frustrated of being denied credit? Are high interest rates robbing you of your hard earned income and preventing you from getting out of debt or debt settlement? Your low credit score may even be stopping you from getting a new job or home. Take heart. There is hope because, for the first time ever, Hidden Credit Repair Secrets exposes the heavily guarded credit repair secrets used by certified credit consultants and credit repair law firms. One of their own has actually begun to make these strategies and techniques available to the public. As a Certified Credit Consultant with years of experience in the credit restoration field, Mark Clayborne divulges how to legally restore your credit, in his ground-breaking book, Hidden Credit Repair Secretshttp://www.amazon.com/Hidden-Credit-Repair-Secrets-ebook/dp/B004...
Ben & Jerry's and Breyer's Ice Cream
Added on : Thursday August 09th 2012 01:01:03 PM
http://icecreamsettlement.com/Home.aspx has claim forms for Class Members who purchased Ben & Jerrys and Breyers Ice Cream. Class Members are entitled to receive $2 per unit of ice cream purchased, up to a maximum of 10 claims per household. The deadline to submit a claim is August 30, 2012.
Dealer Sent Amended Invoice - Pic Attached
Added on : Tuesday August 07th 2012 07:00:44 PM
I purchased a 2012 Hyundai in May 2012, NC dealer. The purchase was partially financed by Hyundai. Everything went well at the dealership with the purchase and finance. Now, three months later, they send me a new invoice (back dated to the original date) by UPS that I need to sign. Included with it is a return packet to be sent by UPS Express mail. This definitely raises suspicions (it's a dealer, so we all know how truthful they are). So, I pull up my original invoice and compare the numbers with the amended one I received today. The SETTLEMENT part of the invoice is what has changed. It was originally:Cash on Delivery = 8600 (7600 check + 1000 motozuma rebate)
Rebate = 500 (Hyundai rebate upon financing with Hyundai)Amended invoice shows:Cash on Delivery = 7600 (personal check)
Rebate = 1000 (Motozuma)
Deposit = 500 (Hyundai fin rebate)All the numbers and totals match except for the check and rebate split. The letter attached with the packet indicates that they need this amendment since the Motozuma rebate was in my name and car was purchased under wife's name. Note that the sold to on the invoice lists both of our names. I verified that my check was indeed for the right amount (7600). Attached is a pic of the invoice, without the personal/vin info. So, I am not sure if I am missing something here or if this is a genuine issue the dealer is facing. BTW, I have not had any issues with Hyundai Financing. Let me know what you guys think.
FW Guru's...I'm doing my Property refinance with PEnfed. I selected the Option 5/5 ARM for which there is no Closing Costs. I Need advice for the attached HUD for the Closing Costs. I've a Closing Date scheduled for tomorrow and i just received the HUD from the settlement Company. Can you please take a look at the charges and confirm if i'm not being ripped off for the Closing Costs even though the option i selected has no Closing Costs. Line 103 on 1st page lists the Cost as $1889.26. Thanks in advance
FW Guru's...I'm doing my Property refinance with PEnfed. I selected the Option 5/5 ARM for which there is no Closing Costs. I Need advice for the attached HUD for the Closing Costs. I've a Closing Date scheduled for tomorrow and i just received the HUD from the settlement Company. Can you please take a look at the charges and confirm if i'm not being ripped off for the Closing Costs even though the option i selected has no Closing Costs. Line 103 on 1st page lists the Cost as $1889.26. Thanks in advance
Should I involve an attorney in a Diminished Value claim?
Added on : Tuesday July 17th 2012 08:00:49 PM
A few months ago, I was rear-ended in traffic. (The lady told me she thought she dozed off. She told her insurance company that she glanced down (but not at a cell phone!) for a second and then I suddenly stopped.) Lie or truth, her insurance company (Nationwide) still accepted fault because she still rear-ended me.The repairs were handled in full at the Body Shop of my choice. I received a check made to me and the Body Shop jointly, and signed it over.The bodily injury claim is still outstanding. My actual damages (lost time + medical bills) was a little over $1,000. They extended a settlement offer that was a little over $2,000, which I have not responded to.Today, I started investigating how much of a diminished value I likely have, to determine my next steps. There was over $6,000 of repairs to a newer vehicle (2011, 33000mi) that had a KBB value of ~$26,500. I went to Carmax for their free appraisal in order to get a ballpark idea of what I'm looking at, and I got back something that was ~$5,000 lower than the "Very Good" KBB value.Is this the type of amount where I can go it alone, or should I get an attorney involved? Should I get one of those Diminished Value reports? (How do I pick one that is likely to be considered acceptable by Nationwide?) Is there another option I'm not considering?
Thanks for your wisdom, FWFers.
Visa and MC 7Billion settlement to retailers... implications?
Added on : Friday July 13th 2012 08:00:42 PM
Visa and MC pay up big to retailersarticle said: NEW YORK (Reuters) - Visa Inc, MasterCard Inc and banks that issue their credit cards have agreed to a $7.25 billion settlement with U.S. retailers in a lawsuit over the fixing of credit and debit card fees in what could be the largest antitrust settlement in U.S. history. The settlement, if approved by a judge, would resolve dozens of lawsuits filed by retailers in 2005. The card companies and banks would also allow stores to start charging customers extra for using certain credit cards in an effort to steer them toward cheaper forms of payment.any insight on what changes this might bring to credit card users?
Groupon Voucher Settlement Update
Added on : Tuesday July 10th 2012 08:00:49 PM
Groupon VOUCHER SETTLEMENT: UPDATES TO CERTAIN DEADLINES AND TO
INFORMATION PROVIDED IN COMMONLY ASKED QUESTIONS PAGEOpt Out and Objection Deadline: Settlement Class Members now have until July 27, 2012 to object to or request exclusion from the Settlement Class.
Final Approval Hearing Date: The date of the court hearing regarding final approval of the Settlement has been changed to September 7, 2012 at 1:30 p.m.
To see a list of all dates and deadlines relating to the Settlement, please click here to go to the Groupon Voucher Settlement Website.The Groupon Voucher Settlement Website has also been updated with some new information relating to Commonly Asked Questions. Please click here for updated information on the following Commonly Asked Questions:What happens if refund claims exceed the $8.5 million settlement fund?How can I view a copy of the Groupon vouchers I have purchased?If I am a Settlement Class Member as defined in the Stipulation of Settlement (Settlement Agreement) and I neither submit a Settlement Fund Claim nor
submit a timely request for exclusion from the Settlement Class, what happens to my unused and unrefunded Groupon Vouchers that I purchased or received prior to December 1, 2011 and that are past the expiration date shown on the vouchers?
Surcharges for CCs coming? V/MC settlement nears
Added on : Tuesday July 10th 2012 07:00:50 PM
The monopolistic behavior of Visa and MasterCard was recognized in a recent lawsuit by various merchant trade groups. It looks like the settlement will, aside from cash and a temporary reduction in processing fees, include giving merchants the right to charge extra for customers who pay by credit card.http://finance.yahoo.com/news/price-of-plastic-going-up--merchan...Yahoo News said: A settlement is likely to have three components: payments by the defendants ranging from $8 billion to $12 billion, a temporary reduction in interchange fees and the elimination of the no-surcharge rule, according to KBW.
AMEX and Discover allow surcharging, as long as all credit cards are treated the same, so if V/MC cave the whole house of cards may collapse and we reward CC users may lose the subsidy by cash payers we've long enjoyed. On the plus side, 10 states forbid surcharges anyway by law, so those wouldn't be immediately effected just because the merchant agreement becomes more permissive.
I'm trying to close a house in AR, selling for cash to a local landlord mogul. Everything looks good, except for the "Warranty Deed" prepared by his lawyer has an even rounded figure significantly less the sale sum on the settlement page. Is this something to be concerned about or is it just one of those "put $1, the county doesn't need to know" deals? I'm about to call the attorney and ask, but figured I'd check with yall first. This is the mogul's lawyer and the mogul is not to be trusted. At all.
Also the "Warranty Deed" needs notarized while the settlement sum page doesn't. Makes me nervous as I don't really trust this guy, and by extension this lawyer.Advice? - Thanks!
1st time home buyer seeking advice on GFE
Added on : Friday July 06th 2012 11:00:52 AM
First-Time Buyers
Initial Loan amount is: $459,328
Conventional 30-yr loan (for a new construction in MD) with 20% down at a quoted rate of 3.750%Note: The quoted rate is before the recent drop. The home will be ready for settlement in November (so here's hoping for the rate to drop further).A) Adjusted Origination Charges: $5,450.23
-The credit or charge for the interest rate of 3.750% is included in "Our origination charge."
-No credit or charge (points) for this interest rate. B) Your Charges for All Other Settlement Services: $23,819.441. Required services that we select (These charges are for services we require to complete your settlement. We will choose the providers of these services)
-Appraisal Fee: $425.00
-Tax Service Contract: $58.00
-Credit Report Fee: $62.50
-Flood Certification Fee: $15.00
-Final Inspection Fee: $150.00 2. Title services and lender's title insurance: $2,307.613. Owner's title insurance: $1,400.084. Required services that you can shop for
-Survey: $110.005. Government recording charges: $120.006. Transfer taxes (These charges are for state and local fees on mortgages and home sales): $13,062.407. Initial Deposit for Escrow Account (Property Taxes and all insurance): $4,043.158. Daily interest charges ($47.19/day for 30 days, if settlement is 11/01/2012): $1,415.709. Homeowner's Insurance (Hazard Premium): $650.00
$29,269.67 sounds beyond ridiculous for closing though the lender is paying $20,000 of it. However, that still leaves $9,269.67! Are there anything especially outrageous or do most of the charges fall in line with the norm for Maryland? How much would the transfer tax decrease since we're 1st time buyer (the person doing the GFE had not included this fact in his calculation).
Car was hit. Can I request a cash settlement?
Added on : Monday June 25th 2012 03:00:44 PM
I have 2 cars and drive the older one to work and run errands around. My car was backed into and had the passenger door smashed in. It prob just needs a new door panel and painting on it.My car has a bunch of door dings on it and it is old so I don't really care about the looks. I own the car outright and have the title to it. The person that hit my car's insurance has already called me and gave me a list of body shops. Can I just call and request a cash settlement instead of repairing the car and have it recorded (if there is an insurance record database somewhere) that the car was hit and not repaired? Thanks.
State Farm no longer covering attorney's fees on renters policies?
Added on : Thursday June 21st 2012 07:00:42 PM
Just received a renter's policy renewal in DC with the following reduction in coverage:Plain language insert:"Language is added to Section II - Additional Coverages, Claim Expenses to state that when we provide a defense against a suit, we will pay the costs taxed against you, however, such costs do not include attorney's fees."
What the hell? If State Farm decides not to settle, I'm responsible for the attorney's fees if they are awarded as damages? That seems like a bad deal.Actual policy language:Claim Expenses, we pay:
A. Expenses we incur and costs taxed against an insured in suits we defend. Taxed costs do not include attorney's fees.
I guess if someone uses a personal injury lawyer who takes a portion of the settlement this is not an issue?
Used car dealer, bait & switch
Added on : Tuesday June 19th 2012 12:00:41 PM
My parents had a classic bait and switch pulled on them when they tried to close on selling their car. They had a signed offer and after they realized what was going on they decided to walk. As they were walking out the dealer snatched the paper out of their hands. I couldnt find anything on this dealer on yelp or BBB. I wanted to do a little research before filing a complaint and/or assault charges. Any suggestions other then ye olde Google?Yeah, I probably should let this go but please consider this: Screwing with people that mess with me or mine is a hobby. Everyone needs a hobby.ETA per request: They got a signed offer to purchase their car at X dollars. When they returned at the scheduled settlement date/time, the dealer who knew they were under a time constraint said he was only willing to do X-Y dollars because of (insert misc BS reasons here). That is when they walked out and the paper snatch occured.
A boon to distressed sellers, and a nightmare to short sale agents and buyers out there:BofA is now offering loan modifications to homeowners, even to those who have approved short sales. I have a case where the seller has been stalling well after the short sale has been approved and extended, only to tell that he is in process with BofA for loan mod. Definitely throws a wrench in the works. This is part of the DoJ Global Settlement, apparently:https://realestateagent.bankofamerica.com/ptff.aspx?p=337
Receiving settlement money, need help
Added on : Monday June 11th 2012 07:00:45 PM
Recently i was seriously injured in a car wreck and was found not at fault. Long story short i received a large sum of money and i am still in my lower 20's. I am in a position to purchase a home/vehicle right out but should i be looking to finance these anyways? Also, any advice on what to do with the remainder of the settlement would be welcome (modest investments). I know what ill do with this money if i dont lock it away fast.Thanks
neighbor suing over some cut trees
Added on : Thursday June 07th 2012 09:00:49 AM
Posting this on behalf of my dad. I'm married and long moved out of my parent's home. My dad is 86. I realize that doesn't excuse anything he did below, but PLEASE go easy on me, I realize what he did was wrong, but for those of you with older parents/grandparents you probably realize sometimes older people don't listen to wise advice and can be stubborn. He didn't stop when I strongly suggested he do so.OK.... that aside.....My parent's backyard abuts perpendicular to another property's backyard. While my parent's lot is a typical suburban 120' or so, the other guy has something like 700' of property depth, so his side property line runs alongside my parent's property and several other of my parent's neighbors.The stretch of his yard that abuts my parents is near the back of his property, maybe 400' from his back patio. As you can imagine, he never uses his "way back" yard. He's older and barely gets to mow what grass is back there. In fact he tried to parcel it off and sell it to the people on my parent's street a few years ago so they'd have longer lots. My parents and their neighbors listened to the offer, but it was above market, not a fair offer, and they passed on it without even countering.So in his "way back" yard, he doesn't do much landscaping, pruning, etc. (Of course, he doesn't have to, it's his yard to do whatever he so chooses with.) Unfortunately, it drove my dad nuts to see this wildly overgrown patch just beyond his property line. Against my advice and my mom's, he went in there and cleared out some brush, trimmed some trees, etc. Neighbor called the police and had a report done.Court summons came yesterday. Dad is being charged with:
1. Criminal Damaging - which is a misdemeanor of the second degree carrying up to 90 days jail / $750 fine, and,
2. Criminal Trespass - which is a misdemeanor of the fourth degree carrying up to 30 days jail / $250 fine.My dad is a clean guy, no record with the law, never been sued (civil or criminal) before.I myself have no court experience except for a speeding ticket a decade ago.Some questions running through my mind:
1. Should he bother getting a lawyer? I can't see the judge throwing the book at my dad. I'm guessing no jail time and maybe $500 fine?? If we don't get a lawyer, I need to go help him because he's hard of hearing.2. Would any monetary damage to the neighbor be handled at this court appearance? Besides the fines which I believe go to the state (is that correct?), could a civil penalty be added that gets paid to the neighbor at this same court appearance? If not -- I assume the neighbor might be planning a civil suit in small claims as well, is that a fair statement?3. Perhaps there won't be a civil case, because what kind of value can random wild bushes or small oak trees that he didn't intentionally plant possess? His bigger trees "planted" these smaller trees over the decades.4. My dad has pictures of the overgrown mess before he cleaned it up. I realize that legally these pictures only prove how much he did in fact trespass and did in fact 'damage', but would a judge look at my dad and these photos, and at his age perhaps sympathize that my dad's intentions weren't malicious, and in reality, the 'damage' that has been done has caused the neighbor zero harm. To some eyes the landscape work probably raised the value of his property an (inconsequentially) small amount.5. Continuing with the "sympathy" angle when we appear before the judge, should we mention that the neighbor might be annoyed that his offer to sell the property was rejected? He very well might be ticked at my dad and the others for ignoring his offer to sell.6. When the police report was filed and the police came to document everything, they did "snoop" with the neighbor in my dad's back yard. Looking at what he had stored next to his tool shed, looking through his pile of firewood and lumber. I know it's neither here nor there, but, I don't see why they needed to do this.7. Since this is a criminal case, does my neighbor do the talking, or does the city attorney handle all talking during court?8. Any use talking to the neighbor to see if they'd drop the case for a settlement? Can they even drop it, at this point? The court summons reads "The State of < >, City of < > VS. <my dad>". What about showing up early and trying to make a deal with the prosecutor, or sending him a certified letter ahead of time??Any other suggestions at all?I'll say it again - YES I and my dad know it was 100% legally wrong and that there is no justification that would permit doing what he did. The question is how to proceed.Thanks!!
Where to put savings?
Added on : Tuesday May 29th 2012 12:00:48 PM
I am a newbie to this site and forum. I need help to figure out what to do with a chunk of savings coming my way as part of a divorce settlement. I'll be getting around $15K in cash and thankfully I am debt free, so this is all savings for me. But it will be my first and only significant savings. I am not a money person but trying to figure out where to put it so it'll safe and will grow (?!). Ideas?
My Settlement Offer from being Rear-Ended
Added on : Saturday May 26th 2012 08:51:05 PM
Quick Recap:I was rear-ended in my compact car by a Ford 250 truck at a red light back in October. The truck was a fleet vehicle from a company contracted by our local power company. The driver was not paying attention and was on his cell phone at the time (illegal in Maryland). He immediately admitted fault to me, his supervisor, and their insurance carrier. We did not file a police report, but everything went smoothly. Their insurance company got me a rental vehicle for a week and paid all the autobody work (~$2000) - both paid directly to the respective companies. I ended up taking about 9 hrs of Leave from work for a medical check up and precautionary recovery (as suggested by Dr.), which equated to loosing about ~$400 and another $116 for Dr's visit. Luckily, no other visits for medical treatments. Anyway, their insurance company has finally called to offer me a settlement of ~$616 ($116 for Dr's visit and $500 for inconvenience, etc.). Basically, do you think this is a fair settlement offer or is it a lowball first offer? I can't claim diminish value as my compact is now ~10 years old.
Buying House - Settlement charges
Added on : Saturday May 26th 2012 08:51:05 PM
Hi,I'm buying a home and just received a settlement charges on my HUD. Can anybody please comment if these seem reasonable - I'm especially confused about the two big ticket Title items:Adjusted origination charges to Bank: $900
Title services and lenders title insurance: $1,920.00
Owner's title insurance: $1,860.00
Government recording charges: $93.00
Transfer taxes: $735.00
Required services you can shop for (from GFE): $97.00
Buyer's Attorney Fee: $500.00
TOTAL: $6,105Thanks!
Update on the Debeers Class Action Settlement
Added on : Wednesday May 23rd 2012 03:05:29 PM
On May 21, 2012, the U.S. Supreme Court denied the final petition for review. The claims administrator is conducting final claim audits, and distribution of settlement funds should take place within the next few months. Please visit the website periodically for any further updates.
Looks like we are finally going to get paid. Whatever small percentage is left.
Mark
TextAmazon Coupons
I was reading the End of Life thread and a thought occurred to me. What if we're able to negotiate a settlement with the insurance company for a monetary settlement to forgo expensive medical treatments.For example: If I'm diagnosed with a terminal disease and given a prognosis to live only for 6 months. If were to pursue all available treatments, it would cost the insurance company 300k. Now, this treatment would not cure me, only prolong another 6 months and my quality of life will be greatly hindered. Instead, I don't want the treatment. I'd rather spend the next 6 months living my life, planning for my family, etc. I want to make a proposal to the insurance company that I don't want the treatment IF we can settle on an amount, say $150k.With this, the insurance company will be happy. And I'll be happy. This seems like it'd give an incentive for people to NOT pursue all available options and at the same time, drive healthcare costs, especially EOL care, down.
Has anyone ever heard of something like this?
I just got a postcard in the mail. Details below. Especially timely since I just realized they've "crammed" $30.98 / month into my existing bill for "Unlimited Games + Starz Play Pak" and "Security and Backup Bundle/50 GB"https://www.verizonthirdpartybillingsettlement.com

If you were billed for third-party charges on your Verizon landline telephone bill, you may be entitled to a payment from this class action settlement.

The Settlement will provide for payments to all class members who properly submit Claim Forms by November 15, 2012. The payments will be either $40 in the case of approved Flat Payment Claims or the full amount (i.e., 100%) of unauthorized Third-Party Charges you paid in the case of approved Full Payment Claims. Some class members may have a claim for less than $40. Class counsel contends that some class members may have a claim for hundreds of dollars, or more.

The Settlement affects the rights of all Verizon land-line customers who were billed for Third-Party Charges from April 27, 2005 through February 28, 2012.

Submit a Claim Form: This is the only way to get a payment. You may submit a Flat Payment Claim for $40 or a Full Payment Claim for 100% of all unauthorized charges you paid. To file a claim, you must complete a Claim Form either online here or download a Claim Form here, print it out and mail it to the Settlement Administrator by November 15, 2012. You can also obtain a copy of the Claim Form by calling 1-877-772-6219. To help identify unauthorized Third-Party Charges for which you were billed during the Class Period and decide whether to submit a Flat or Full Payment Claim, you can request a free summary of all Third-Party Charges for which you were billed, by clicking here or calling 1-877-772-6219.
Home mortgage underwriting booboo, any recourse ?
Added on : Friday May 04th 2012 09:03:47 PM
I had offered to help my folks with their mortgage process, and did bulk of the lifting in regards to submit documents electronically. It is a non-traditional (FHA type) type of a loan, so the lending bank had asked for more than 30 days for settlement, so our PnS agreement had the settlement date of 45 days from the day of offer. Now despite the fact I had told the applicants, not to do any change in their overall financial picture - I got a call today from lending bank that today when they were about to send the loan to closing, they found out that one of the borrowers had quit their job. Lo n behold, It was confirmed - so now after 2 months of all my work, I was upset to see it going waste. Nonetheless, contacted the employer and cancelled the quit notice, assuring the employer that even if the loan gets processed the respective borrower will continue the employment (at least for some time). This borrower works in allied healthcare and has a state licensure, so it would not be difficult for them to obtain employment again after reallocation - continuing at current employment would mean to commute at least 65-70miles one way each day ! Now since it was just the matter of canceling the notice to quit employment - and there is no gap in employment, because the borrower worked today, and is scheduled for next whole week, and then the weeks onward , my question is that can this have an adverse effect on the outcome ? Can anything be done to improve our position ? The borrow does not mind continuing employment here, although the salary is a bit less because she started working here before getting her state license and even after getting the license, she would have better offer after changing her company. Her HR talked to the bank AFTER canceling the notice supposedly, and said it was all set. The HR is nice, because the borrower has worked at this company for over 5 years and has good relationship with staff. The only reason to quit was to get a job closer to the new home - the initial anticipated settlement date was April 12th, then April 27th, then May 4th (extension)... The bank has dropped the ball a few times, askign for redundant documents, and asking us to explain in a letter where there were 6 inquiries on credit report (the reason was that each credit bureau report was appearing on 1 line and the two mortgage pre-approvals pulled all three reports - so for 2 pre-approvals (3 bureaus each) it showed as 6 inqiuries)... One would think that the bank would figure it out, since its all done on same date from same institution....Believe me, I have conveyed my feelings, so I would appreciate if we could get some feedback on what to do next as oppose to what should have been avoided. Thanks
Tax question on income from personal injury lawsuit
Added on : Friday April 27th 2012 06:03:59 PM
My wife was nearly killed in an auto accident. Wound up with broken bones and brain injury. She's on the road to recovery, thank God, but it's a long road ahead.She was hit by an 18 wheeler while on the job. The company has several locations throughout Texas, is self insured and has admitted fault.What are the tax implications of the final settlement? The suit will include all the medical bills currently being paid by my medical insurance - Aetna(we'll have to pay that back to Aetna), costs we've incurred (such as cleaning services, travel by family members for care, etc...), pain and suffering / loss of consortium... medical bills alone will be 250k+. She didn't have much in the way of lost wages - she was a stay at home mom who babysat 3 x week. However, she was planning on going back to work in the Fall when this little girl went to Kindergarten - that is not going to happen.Is there anyway to defer / deflect tax on this?Anyone who's been in a similar situation?
About to buy a house but these closing cost seems crazy....
Added on : Tuesday April 24th 2012 06:07:35 PM
House price: $138,500
Down: 25%, $34,625
Loan: $103,875Loan Type: Conventional 15 year fixed
Rate: 3.625%
Est apr: 4.1882%Location DFW, TxFees:
Processing Fee $515
Underwriting Review $395
Origination Fee $1038
Attorneys Fee $250
Delivery Fee $240
Loan Discount Fee $1158
Appraisal Fee $425
Credit Report $75
Second/Review Appraisal Fee $150
Total: 4257ADvance Prepaids:
Prepaid Interest $292
Hazard Insurance PIA $540Reserved prepaids
Hazard Insurance PIR $90
County Tax PIR $900Title Charges:
Escrow/Settlement/Closing Fee $275
Mortgagees Title Policy $200
Owners Title Policy $1100
Texas Guaranty Fee $4
Recording Fee $85Addition charges:
Survey/Plat $435
HOA Transfer Fee $250
HOA Reserves $250Total for everything is $8679, I'm buying the house form the builder and they said if I go through their mortgage company, they will take care of the origination fee and the title policy so minus 2138. Still seems like a lot cause we are still paying almost 7k at closing. We have excellent credit, well above 700. This is going to be our second home for my kids. First home paid off and have zero debt. We have well paying jobs. any inputs? are they just trying to tack on excessive charges?
Connor v. JPMorgan Chase Settlement
Added on : Tuesday April 17th 2012 12:16:26 PM
Got a letter today in the mail :CONNOR v. JPMORGAN CHASE, CASE.
Case No. 10 CV 1284 DMS BGS
TO: All present or former borrowers or co-borrowers whose residential mortgage loan(s) or home equity line(s) of credit is or was serviced or subserviced by JPMorgan Chase Bank, N.A. or Chase Home Finance LLC between June 16, 2006 to June 15, 2011, as well as former EMC Mortgage customers whose loans were or are serviced by JPMCB or Chase Home Finance LLC between June 16, 2006 to July 7, 2011, and who may have been contacted on their cellular telephone(s) by Chase through the use of an automated dialer system regarding their loan(s).The Plaintiff in Connor, et. al., v. JPMorgan Chase, et. al. alleges Chase violated the Telephone Consumer Protection Act (TCPA), by calling persons with home mortgages or home equity lines of credit serviced by Chase on their cell phone numbers with an autodialer without prior express consent. The Court did not decide in favor of Plaintiffs or Chase, and Chase denies any such violation. However, to settle the case, Chase will provide a Settlement Fund of at least $7,000,000 and no greater than $9,000,000. (The Federal National Mortgage Association a.k.a. Fannie Mae is also a defendant, and denies any violation of the TCPA.)To make a claim, you can:Call 1-877-265-2018 by July 10, 2012
File by clicking here by July 10, 2012; or
Send a written claim by mail to the Claims Administrator postmarked by July 10, 2012 to:
Connor Settlement
c/o Gilardi & Co., LLC
P.O. Box 8060
San Rafael, CA 94912-8060Please Note the following Important Dates:Case Relevant EventDate
A Claim Form must be postmarked or Filed online byJuly 10, 2012
An Exclusion must be postmarked on or beforeJune 10, 2012
An Objection must be postmarked or delivered to the parties no later thanJuly 20, 2012
The Final Fairness Hearing isAugust 3, 2012 at 1:30 p.m.LINKTook me 1 minute to submit the claim , but you have to use JCPN N which is on the postcard.
Nutella class action
Added on : Monday April 16th 2012 09:08:23 AM
credit to SDhttp://www.nutellaclassactionsettlement.com$4 per jar purchased, up to 5 jars
No proof of purchase necessary
Plaintiffs in the above consolidated action have brought class action lawsuits on behalf of themselves and others who have purchased Nutella at any time from January 1, 2008 to February 3, 2012, alleging that Defendant Ferrero U.S.A., Inc. (Ferrero) made representations through its marketing and advertising of Nutella brand hazelnut spread (Nutella), improperly suggesting that Nutella is healthier than it actually is. Ferrero has denied the allegations and continues to stand by its products and advertising.
As most FWFers know, the bulk of the consumer contracts we agree to these days (banks, cell phones, credit cards, etc.) require mandatory arbitration. Whether or not this is a good thing or not is for a separate thread, but I just went through a three month process of arbitration with Verizon and received a settlement where Verizon agreed to all my terms - and I thought I'd share my experience for the greater good of FWF. I also invite others to share their consumer arbitration stories here if you like. Anyways, to keep this brief (I could write a novel over all the things Verizon has tried in this case) - The Story:
In December Verizon notified all postpay customers that they were raising an administrative fee a few cents per line per month. As is standard with most phone contracts, Verizon's contains a clause stating any "materially adverse change" (which they don't define) that they enact enables you to get out of the contract if you inform them within 60 days. I called them in late December and after 3 hours on the phone of them trying every argument available to stop me, I finally got a promise for a supervisor to call me back about the matter before January...which of course never happened. I filled a BBB complaint, and this time Verizon's story was that they credited my account for an amount equal to the increase in the fee for the next 12 months so there was no materially adverse impact on me. At that point, I notified the BBB that I wanted to take the case to arbitration (BBB administers Verizon's arbitration program as a third party).A BBB representative basically send me tons of paperwork to fill out and told me when it was due, then gave me deadlines to submit my argument brief with the choice to do the arbitration in person, writing, or by phone. Since they don't offer arbitration during the evening and I work during the day I selected by writing. The BBB notified me of the arbitrator and his background and gave me the option to object to using him to decide the case, and afterwards they set the case date. Before the case the BBB set a date for me and Verizon to exchange argument briefs so each side could respond to the other in writing - and all of this would be sent to the arbitrator, who would make a decision based on the documents. After Verizon received by brief, they offered to settle - and since they were offering exactly what I wanted (getting out of the ETF and some money for my time in the form of billing credits), I accepted. Lessons Learned:
1. Stick to the contract language, nothing else matters. I argued that Verizon had to release me from the contract because their standard contract says if they cause a materially adverse change, as long as I inform them in a timely manner. I had informed them in a timely manner and I considered the change materially adverse (and since it was not defined, they could not argue what it "really" means since they set the contract language). My main argument was that Verizon attempted to get out of the contract by offering an alternative remedy (bill credits equal to the fee increase) - although they had the right to do so nothing in the contract stated I had to accept it, and the only remedy available according to the contract was being released from the two year agreement.
2. Document absolutely everything. Whether through intentional bad faith on the part of Verizon or just sloppy record keeping, they tried to argue several times that either (1) I never called them before the fee increase or (2) I could not arbitrate the fee increase because their bill credit erased any material adverse change. I had to again and again refer back to their own documents and past billing statements to refute these points.
3. You will probably spend more time on this than its worth in terms of money. I probably spent 20 hours on this including my initial calls to Verizon, and I am receiving the equivalent of about $450 - per hour that less than most FWFers make, but since I'm a poor PhD student it was worth it to me.
4. Investigate the appointed arbitrator. Since you have the choice to veto the appointed arbitrator the first time around (in this case - this will vary based on the arbitration clauses your under), investigate them. See if you can find past cases and how they ruled, if you can't see who they primarily arbitrate for via their website. In my case the arbitrator was arbitrating outside of his primary area and from background cases I could find he was pretty even handed, so I didn't object. Important to Note:
Someone at Verizon at the corporate level watches these cases. As soon as they received my brief which argued that while they could offer alternative remedies, the only contractual remedy available to them was to release me from the contract, they amended their standard contract language.Before February 2012 the applicable portion of the contract language in my case was:
Verizon Wireless Agreement said: We may change prices or any other term of your Service or this agreement at any time,but we'll provide notice first, including written notice if you have Postpay Service. If you use your Service after the change takes effect, that means you're accepting the change. If you're a Postpay customer and a change to your Plan or this agreement has a material adverse effect on you, you can cancel the line of Service that has been affected within 60 days of receiving the notice with no Early Termination Fee after you notify us of your objection to it.

Then, they updated it to include:
Verizon Wireless Agreement said: We may change prices or any other term of your Service or this agreement at any time,but we'll provide notice first, including written notice if you have Postpay Service. If you use your Service after the change takes effect, that means you're accepting the change. If you're a Postpay customer and a change to your Plan or this agreement has a material adverse effect on you, you can cancel the line of Service that has been affected within 60 days of receiving the notice with no Early Termination Fee if we fail to negate the change after you notify us of your objection to it.That bold is key - it essentially means the argument I used in my case is void, so if its just a coincidence its certainly a very timely one for Verizon. Of course, I noted they changed the agreement language and updated my argument brief to use it as an example of bad faith that Verizon knew they had to release me otherwise they wouldn't be updating their contract language like this.
5 Big Mortgage Companies Will Slash Principal Balances?
Added on : Monday March 12th 2012 06:04:08 AM
I saw a link to this article on a slick thread this morning. I haven't noticed it posted here yet, apologies if I've missed it.Cliff's notes:
"As part of the $26 billion settlement reached between the five major mortgage servicers, the federal government and the attorneys general of 49 states and District of Columbia last month, Bank of America (BAC, Fortune 500) customers who qualify could see their mortgages reduced by an average of $100,000 or more, according to bank spokesman Rick Simon.Those principal reductions are much deeper than the ones originally announced as part of the robo-signing settlement deal.When the settlement was first announced, the average principal reduction was expected to reduce mortgage balances by an average of about $20,000. Among the five biggest lenders, the reductions are expected to help roughly 1 million homeowners who owe more on their homes than they are worth.The other four banks, JPMorgan Chase (JPM, Fortune 500), Citigroup (C, Fortune 500), Wells Fargo (WFC, Fortune 500) and Ally Financial, are expected to reduce qualified borrowers' principal to between 115% and 125% of the value of their homes. Bank of America, meanwhile, is aiming to reduce the amount owed on a home to 100% match the current market value.
...
Bank of America's deal only applies to the mortgages it owns and some that it services for private investors. Loans backed by government-controlled agencies like Fannie and Freddie or insured by the Federal Housing Administration are not eligible for the program.The bank has already identified the 200,000 or so borrowers that it will offer modifications to and will start to reach out to them as soon as a D.C. federal court approves the settlement."We expect to get off to a fast start with this program," said Simon.There are incentives to do that. If the bank is able to demonstrate that it faithfully carried out the provisions of the attorneys general's foreclosure settlement -- as well as a separate settlement in which it agreed to reimburse HUD $1 billion to cover problems originating FHA loans -- over the next three years, it can be forgiven $850 million in penalty payments, said Simon.
End of Cliff's notes.I left the last part in to head off the usual "why would they do that" type skepticism. Very simple, self-interest.I believe on the same day that article was posted on CNN I replied to a post in the Chase mortgage rate reduction thread, essentially telling the poster that he shouldn't expect the banks to reduce his principal, and certainly not in the form of an unsolicited offer to do so. Oops.Way too early to tell but hopefully this is good news to people who are underwater and not eligible for FHA and HARP programs.
GAP insurance coverage denial
Added on : Friday March 09th 2012 12:07:01 PM
I recently totaled my car. I had a 72-month contract on it, but had exercised several deferments and extensions throughout the loan. I purchased GAP coverage when I bought the car, but when my insurance company's settlement left me with a $2000~ amount of negative equity as my responsibility, I tried to file the GAP coverage, and they said that when the deferments were added to the length of the contract, the GAP coverage didn't extend out with it, and thus it expired last October. Is this true? Do I have any options or recourse here other than either paying it or letting it go to charge-off status? My contract indeed states that the terms of the GAP coverage were 72 months. I'm suspecting I'm "up the creek," but I was just making a last ditch effort to see if I have anything else I can do.
Lehman Brothers Security Litigation Settlement
Added on : Saturday March 03rd 2012 09:06:15 PM
LinkProof of claim due May 17,2012 for all of those who purchased securities in Lehman Brothers. "...This action arises out of Lehman Brothers Holdings Inc.s (Lehman or the Company) issuance of various offerings of debt and equity securities pursuant to offering materials that contained untrue statements and omitted material information, which allowed Lehman to raise over $31 billion through the offerings set forth in the Complaint and accompanying appendices. The offering materials contained untrue statements and omitted materials facts regarding, among other things:...."
Hi Friends,Please help me to dispute a collection in my credit. Here are details.I have T mobile and I moved overseas in Aug 2008. I faxed the proof several times , called them but they said they didnt receive the fax and sent it for collection. Unfortunately I do not have any proof for the fax I sent them.In 2009 there was a class action suit against Tmobile fixed early termination Fees for (http://web.archive.org/web/20090416174546/http://www.etf-settlem... Again I didnt applied as I was overseas. I came back to US recently and got call from them for settlement with 40% discount by paying once. I told them I will dispute it. And they sent me a letter. Pelase suggest me the steps I can take to write a detailed letter to them to dispute it. Will it report as disputed in my credit report and affect my future credit ? I am thinking to add below points in my letter to them and ask them to dispute it and take the entry our of my credit report.1. A proof that I moved to overseas ( I have entry point seal in passport for oct 2008. Though I left US in AUG and went to mexico where I do not have any proof ).
2. Class action lawsuit details (number and any text/brief sumary) My FICO already affected and is 649 now. I just want to get out of this, but my mind says dont pay the debt as its not my fault alone . Anybody dealt with similar situation like me ? Any suggestions greatly appreciated.
Opt-in to class action lawsuit against my former employer?
Added on : Friday March 02nd 2012 12:19:12 AM
I got a class action lawsuit notice today for a case that alleges a large international consulting firm that I used to work for unlawfully classified staff level professionals as exempt employees; therefore, the plaintiffs are seeking compensation for all overtime hours. I was staff level at the firm several years ago before leaving for another job, which is why I received the notice.IANAL, but I think the allegations have little to no merit so that is not what my question is about. I'm trying to weigh the pros and cons of opting in to the lawsuit.PROs - I would share in any settlement. As said above, I think the case is a long shot but if successful, I had hundreds of overtime hours at the staff level.CONs - This is where I need help. Could this negatively impact me in any way that I don't see now?I have no intention of ever working for the defendant again. I do know a lot of employees, both past and current, from my days there. Thoughts?
Wells Fargo HELOC class action settlement - $150 cash award
Added on : Monday February 27th 2012 06:27:07 PM
Just received a letter in today's mail about a Wells Fargo HELOC class action settlement.Glancing through the letter and the documents, it apparently involves a class action brought forth against Wells Fargo (WF) based on any of the following three conditions:1) - HELOC account were suspended or reduced based on a claim by WF that your financial circumstances had experienced an adverse material change to justify the suspension or reduction;2) - HELOC account were suspended or reduced based on a claim by WF that the value of the property secured by your home had experienced significant decline in value to justify the suspension or reduction;3) - your HELOC account was closed following a suspension or reduction of the account by WF as a results of #1 and/or #2 above and who incurred a deferred original fee, as a result of WF closing your account.Apparently former class members gets a cash award of $150 and lawyers will get up to $1,470,000!The website is www.helocsettlement.comNote: I'm guessing they got my info because we used to have a WF mortgage and HELOC and our HELOC was suspended (per #2) due to their computerized property assessment/valuation model, before we refinanced.Check your mail, if you're a former WF HELOC customer.
Citibank Frequent Flyer Mile Class Action Lawsuit
Added on : Saturday February 25th 2012 03:14:56 PM
http://www.topclassactions.com/lawsuit-settlements/lawsuit-news/...A class action lawsuit claims Citibank lured new customers into opening accounts by promising free frequent flyer miles that actually cost them hundreds of dollars.According to the Citibank class action lawsuit, the bank offered 40,000 frequent-flyer miles with American Airlines to anyone who opened a new account. The problem, the class action lawsuit says, is that Citibank did not tell new customers that they had to report 2 1/2 cents per mile as income to the Internal Revenue Service.Lead Plaintiffs Bertram Hirsch and Igor Romanov say they only discovered this fact when they received 1099 forms from Citibank for $1,000 of income. Applying an average combined federal and state tax rate of 35%, this means that opening a new account with Citibank actually cost Hirsch, Romanov and other Class Members $350.Hirsch and Romanov also claim in the class action lawsuit that Citibank grossly overvalued the miles, which have no actual value to customers and should not be taxable.It is widely understood in the marketplace that airline miles are not reported to the IRS as being taxable for income tax purposes. Indeed, Citibank expressly informed Plaintiff Hirsch that the American Airlines miles that he would receive for opening up Citibank checking and savings accounts were not taxable, the class action lawsuit states."Even if the airline miles were taxable, Citibank's practice of valuing the airline miles at 2.5 cents per mile is grossly unfair and deceptive. Airline miles have no value to Citibank customers that can be fixed at the time they are awarded. If redeemed, these miles typically have an average value to customers of between .76 cents per mile and 1.2 cents per mile. At least one study recently concluded that American Airlines miles in particular are only worth about .76 cents per mile.The Citibank frequent flyer mile class action lawsuit is seeking class certification, restitution and compensatory and punitive damages for unfair trade practices, breach of contract, negligent misrepresentation and unjust enrichment. It also seeks a Court order enjoining Citibank from continuing to use this trick.
Weber Class Action : Made in the USA
Added on : Thursday February 23rd 2012 09:15:12 AM
Just received this emailChambers v. Weber-Stephen Products LLC
Class Action Case No. 37-2011-00085919-CU-BT-CTL, San Diego Superior Court

A California Superior Court ordered distribution of this Notice in connection with a proposed settlement of a Class Action. This Notice is not a solicitation.

YOUR LEGAL RIGHTS MAY BE AFFECTED WHETHER YOU ACT OR DONT ACT.
PLEASE READ THIS NOTICE CAREFULLY

This notice concerns a proposed settlement of a class action lawsuit against Weber-Stephen Products LLC (Weber). The lawsuit alleges that Weber violated the law by designating Weber grills and certain accessories as Made in USA. Weber believes that because all Weber grills and the disputed accessories are designed and engineered in the USA, and all grills save for one line are manufactured and assembled in the USA using component parts primarily made in the USA, it did nothing wrong and therefore has valid defenses to plaintiffs claims. The court has not held a trial or ruled in favor of either party on any disputed issues. Weber and the plaintiff have agreed to settle the matter to avoid the costs of continued litigation.

Under the terms of the proposed settlement, the Class Members are all persons who purchased a qualifying Weber Product for end-use from February 15, 2007, through February 15, 2012, which bore the designation MADE IN USA on the product and/or product packaging. The Court has certified the lawsuit to proceed as a class action for purposes of settlement.

Under the terms of the proposed settlement, Class Members are eligible to receive a check for $2.00, $5.00, or $9.00, depending on the price they paid for the qualifying Weber product. If the Court approves the proposed settlement, to receive the check, Class Members need only submit a completed Claim Form on-line or by mail. The Claim Form can be found online at www.WeberClassSettlement.com in English or en Espaol, or you can request to have one mailed to you by calling 1-877-219-9788. Each Class Member will be limited to a maximum of three Claims, and payments are available only to those persons who do not opt out of the proposed settlement. The payment offer expires on April 30, 2012, and is not transferable. Weber has also agreed to a permanent injunction, and, subject to Court approval, to pay the named class representative, Doug Chambers, a one-time fee of $5,000.00 to reimburse his expenses and time. Plaintiffs Counsel will request up to $995,000.00 for attorneys fees and costs, which Weber reserves all rights to oppose. The Court may award less than the amounts requested.

What are Class Members Options? To ask for cash and stay in the Class, Class Members must submit a Claim Form by April 30, 2012. If a Class Member does not want to participate in the settlement, the Class Member may request exclusion from the Class by June 20, 2012. Class Members may also stay in the Class and object to the settlement by June 20, 2012.
Collection on balance due after health insurance
Added on : Saturday February 18th 2012 03:12:46 PM
I'm a long-time member, but am using a different name to maintain anonymity due to the circumstances. So, here's the deal...Over a year ago I was hospitalized for several hours due to a skiing accident. The brief stay, including such things as X-rays and a CAT scan totaled over $13,000. It should be noted that I retrieved the medical records and I was not charged for any treatment that I didn't actually receive, but the charges for the treatments I did receive were excessive (i.e. they charged roughly $5,000 for the CAT scan alone). Anyhow, the "insurance negotiated rates" were exactly 90% of the total charges. This exceeded my health insurance deductible, so although the insurance covered the majority of the bill, I was still left with a bill of around $4,000 due to the deductible and coinsurance.The debt has now gone to collections. I have been contacted by the collection agency. I'm not sure if speaking to them was a bad idea, or not, but they basically told me that if I could settle within 30 days, nothing would go on my credit. They told me that with regards to a balance due after insurance, they normally do not offer settlements, but that they were willing to offer me 15% off in this case. From reading here, I was under the impression that they generally would settle for half or even less.Is there anything I can do to get them to settle for less?
HUD-1 Settlement charges - negotiable?
Added on : Tuesday February 14th 2012 06:21:07 PM
Line 1101 settlement or closing fee to etitle.com buyer pays $295 seller $450The above seems a bit steep to me. Isn't that normally less than $500 total?
That's more than double the title insurance premium. 1108 Title insurance seller pays $360The rest seems pretty standard, 25 overnight, 25 wire, 15 processing.
Should I try to reduce or eliminate the buyer's share of closing fee?
Property is a foreclosure.
Gerber Baby Food Class Action Lawsuit Investigation
Added on : Monday February 13th 2012 09:12:26 PM
Anothe Class action Lawsuit settlement:LINK
I have twins and i buy a LOT of these so often..I am so MAD!!!!
French Pinot Noir Class Action Settlement
Added on : Monday February 13th 2012 06:25:57 PM
French Pinot Noir Class Action Lawsuit Settlement
You can receive a full refund if you have proof of purchase, or up to $10.50 if you don't have adequate proof of purchase.LINK
Down payment for Construction to Perm Loan?
Added on : Sunday February 12th 2012 06:14:01 PM
Trying to prep a little before I go talk to a Loan Officer about getting a Construction to Perm loan.
Background:The custom home builder owns the land & the designs.
He said we could buy the land first - figure out the design along the way & either go with him or walk away & get another designer/builder.
I don't foresee going with some1 else but would like to not have to give the entire 20% (down-payment) of the final project price right away but rather @ settlement. But my main questions are :1) Is there a way to structure the financing with the bank to get the lowest down payment possible during the construction phase?
2) How many closings are there?
3) Is the usual 20% down payment required at the construction phase closing(s)?
4) Or is there only 20% due upon the closing of the land & then the rest due @ a 2nd closing to change the loan to a perm loan?Any insights would be helpful thanks!
Mortgage Escrow Interest -- who gets to keep it?
Added on : Friday February 10th 2012 09:14:33 AM
Last night we went to settlement on a refinance and one of the papers we had to sign had an option that would either let the escrow provider keep the interest, or for a $50 fee we could keep the interest.It seemed a little sneaky, as the page was blurry, small typed and slipped in near the end of the signing process where people probably get fed up and stop reading things.Bonus: The option to let the provider keep the interest had a hand written star next to it.I took the $50 option because even at crappy rates, I should recoup that in at least 2 years.Any thoughts on this subject?
Understanding the GFE/HUD for PenFed 5/5 ARM-Title Insurance Issue
Added on : Friday February 10th 2012 12:22:21 AM
I have applied for Penfed 5/5 ARM with no closing cost. My closing is schedule in two weeks time and I am still trying to figure out what part of title insurance I have to pay. I contacted PenFed and Champion title and still haven't got definite answer. GFE listed $2004 (Item 4) for title services and lender's title insurance and $1132 (Item 5) for Owner's title insurance. I got a call from Champion title few days back asking about what kind Owner's title insurance I need, Standard or Enhanced. Not sure about what to do, I tried contacting PenFed but so far, nothing concrete from them. On my HUD, following are the charges listed under Title Charges (for standard owners title insurance):1101 Title services and lender's title insurance (from GFE #4) $1977
1102 Settlement of closing fees to Champion Title $375
1103 Owner's title insurance-Lawyers title insurance corporation (from GFE #5) $128 My first question is: Is it worth to get enhanced policy rather than the standard policy? The difference in prices seems to be ~$200 more. Also how can I find out which cost is covered under no closing option and how much I will be paying at the closing. Title company is also doing the survey as it is required in my state (NJ) and I am just wondering if the survey cost is covered under the no closing cost as well.
Escrow interest
Added on : Thursday February 09th 2012 12:15:47 PM
Last night we went to settlement on a refinance and one of the papers we had to sign had an option that would either let the escrow provider keep the interest, or for a $50 fee we could keep the interest.It seemed a little sneaky, as the page was blurry, small typed and slipped in near the end of the signing process where people probably get fed up and stop reading things.Bonus: The option to let the provider keep the interest had a hand written star next to it.I took the $50 option because even at crappy rates, I should recoup that in at least 2 years.Any thoughts on this subject?
Tax Return Question
Added on : Thursday February 09th 2012 03:15:27 AM
I paid in May 2011, settlement/lawyer fees to settle a business lease where I am the guarantor to the business (LLC).
The business (LLC, which I am also a partner) closed on the first week of January 2011 and have filed its closing tax return on April 2010. We were sued by the landlord for the remainder of the lease which I am a guarantor. I settled w/ the landlord and paid a settlement money and have incurred lawyer fees. Can I deduct this on the "legal fees" section of the Itemized deductions on my tax return(form 1040 schedule A)?
Thanks.
States AG Mortgage Settlement Details
Added on : Wednesday February 08th 2012 09:26:51 PM
With states on the fence rejoining the deal with the major mortgage lenders, it appears that this settlement may get approved soon.Forgetting the politics and the reality of the settlement being much less than the issues behind it, I want to examine the actual financial results to normal folks, whether it be checks, changes to their mortgage, etc. If someone has a even more comprehensive link to what the deal is, I would appreciate it. I will update with information as it becomes available.So far, here is what I have:If all states participate, $25 billion (with a possible loan mod value of even more).The mortgage companies involved:
-Bank of America (includes Countrywide)
-JP Morgan (includes Chase and WaMu loans)
-Ally (includes GMAC)
-Citigroup
-Wells Fargo (includes Wachovia)-Not about MBS issues, this is primarily about "robo-signing" and other direct underwriting/foreclosure abuses$5 billion paid to troubled borrowers, states, and federal government
-$1.5 billion of the $5 billion is for foreclosed borrowers (750,000 folks in this category)
-Each borrower expected to receive average $1500 to $2000 check for these categoriesOther $20 billion is really aid, not cash for cutting balanced owed for and refinancing those who are current but underwater
-$3 billion of it to lower rates of those who are current, but underwater (I am guessing the cost for the rate buydown and closing fees due to LTV). I have no idea what the criteria is for this one, but it appears these refinances will become loans guaranteed by FHA.
-$17 billion for those who are not current and need loan balances reduced or some other modification.
-Writing down principal for those who are in trouble will be encourage versus short-sale and other options
-Penalties payable in cash to federal government if the banks do not meet their thresholds on this part of the package within two years.RasheedReferences:
http://www.nytimes.com/2012/02/06/business/mortgage-relief-plan-...
http://www.forbes.com/sites/deborahljacobs/2012/02/06/what-the-m...
"FREE" $15 in the Rice Krispies Cereal Class Action Lawsuit -- update
Added on : Saturday February 04th 2012 12:17:59 AM
From this threadGot the check today. I had been expecting a wait of couple more years, just like with the DRAM price fixing and credit card foreign currency settlements. 6 months has got to be record time.
Heads up - Class action check mailed Marenco vs Visa
Added on : Tuesday January 31st 2012 12:05:14 AM
Normally I wouldn't post this, but the sum involved compels me to make sure that no one misses this if they were entitled to it.I just received a check today for Marenco vs Visa class action settlement, for $1485.50. This is in CA. According to the terms of the settlement, CA residents receive 5x more than residents in other states affected. http://www.callrecordingsettlement.comThe deadline to join the class was last October, and if I remember correctly had to be faxed or scanned and emailed (rather than just a webform). It was regarding calls to Visa customer service that were recorded without permission.The check came in a plain, rather thin envelope with Marenco vs Visa Inc as the sender. According to the information on the class action website, checks were mailed out Jan 27.Very pleasantly surprised today! Hope others find this in their mailboxes too!
Potential monetary windfall when the actual charges for some items turn out to be higher than the Good Faith Estimate dollar figure given by the lender. The LENDER is obligated to give monetary credit to the BORROWER (not seller) for such mistakes (even if the cost of the item may be paid for by the seller !!). It happened to us when the GFE had a sales tax amount way too low, which is paid for by the seller. We calculated the sales tax easily by finding the property sales tax rate for our city and applied it to the purchase price. But at closing the actual sales tax amount was thousands of dollars more than the estimate figure. The lender then credited us (the borrower) those thousands of dollars so that we had the windfall (not the seller!!). Beware, the rules (see below) state the credit can be at closing or within 30-days from closing. If you don't watch for it, they may not give it to you at closing and hope you forget about it during the next 30 days. So, GFE from different lenders ARE IMPORTANT !!Likewise, if the lender selects the title insurance company, then there is a similar "tolerance" they must adhere to. BUT you will get a better savings if you buy your title insurance directly from a place like Entitle Direct because they sell directly w/o any agent commissions to jack up the premiums.Similarly, get your own escrow company instead of the one referred to by your lender which, again, will charge more than you can arrange independently with a little planning and price shopping.Exerpt from the RESPA rules:
Tolerances on Settlement Costs(3500.7(e) and (i))The RESPA Reform Rule established tolerancesor limits on the amount actual settlement chargescan vary at closing from the amounts stated on theGFE. The rule established three categories ofsettlement charges and each category has differenttolerances. If, at settlement, the chargesexceed the charges listed on the GFE by more thanthe permitted tolerances, the loan originator maycure the tolerance violation by reimbursing to theborrower the amount by which the tolerance wasexceeded, at settlement or within 30 calendar daysafter settlement.Tolerance Categories Zero tolerance category. This category of fees issubject to a zero tolerance standard. The feesestimated on the GFE may not be exceeded atclosing. These fees include: the loan originators own origination charge,including processing and underwriting fees; the credit or charge for the interest rate chosen(i.e., yield spread premium or discount points)while the interest rate is locked; the adjusted origination charge while theinterest rate is locked; and state/local property transfer taxes. Ten percent tolerance category. For this categoryof fees, while each individual fee may increase orReal Estate Settlement Procedures ActConsumer Compliance Handbook RESPA 5 (6/10)decrease, the sum of the charges at settlementmay not be greater than 10 percent above thesum of the amounts included on the GFE. Thiscategory includes fees for: loan originator required settlement services,where the loan originator selects the third-partysettlement service provider; loan originator required services, title services,required title insurance and owners title insurancewhen the borrower selects a third-partyprovider identified by the loan originator; and government recording charges. No tolerance category. The final category of feesis not subject to any tolerance restriction. Theamounts charged for the following settlementservices, included on the GFE, can change atsettlement: loan originator required services, where theborrower selects his or her own third-partyprovider; title services, lenders title insurance andowners title insurance, where the borrowerselects his or her own provider; initial escrow deposit; daily interest charges; and homeowners insurance.
how long does your credit record show
Added on : Friday January 27th 2012 06:18:26 PM
Today I received a bill from my local county clerk of courts telling me I owe $73.50 from filing fees, etc from a lawsuit I filed back in 1994.
Yes 1994, the lawsuit ended in 1999 and do to settlement, I won more or less, the clerk of courts is going back thru old records to recover money not paid.
I contacted the clerk and she said there is no statue of limitations on court fees, so therefor I owe them EVEN though they admit they never billed me.I fond this very nasty to do , she said there going back to 1980.. that's crazy!!She said if I don't pay it they will bill me 2 more times then they will turn it over to collections who will charge me 30% more.My question is , would it even show on my credit report since its so old or not?this is just crazy...
Credit Card Class Action Currency Conversion Lawsuit
Added on : Saturday January 21st 2012 03:16:51 AM
There was a multi million dollar class action lawsuit against Visa and MC for incorrect charges for transactions made in foreign countries during the 1990's.In the 1990's I did a good deal of international travel with Visa and MC. $14k spent or so. Reviewed years of records and filled out all of the class action forms.I saved some of the paperwork so I could check up on the lawsuit from time to time during the last 12 years.The settlement has finally been reached. My share... less than $20.There is new second class action lawsuit covering 2000 through 2006. If that check comes, maybe I will have enough to go to McDonalds.
Alston vs Countrywide PMI settlement check
Added on : Friday January 20th 2012 09:28:03 PM
Received a check today just shy of $90, from the 'Alston v. Countrywide Financial Corp. PMI Settlement Fund'.Basically Countrywide was getting a kickback from Balboa on re-insured PMI. Rather than admit they violated RESPA BofA/Countrywide kicked 'em $34000000. Beau Coup bucks for the lawyers, $90 for the bankered and shystered.FAQ at link said: ....All Borrowers with Residential Mortgage Loans closed on or after December 22, 2005 through December 31, 2008 that were reinsured by Balboa or its subsidiaries, excluding Borrowers with Residential Mortgage Loans originated by CHL's Correspondent Lending Division or otherwise purchased on the secondary market....FAQ linked at the link.Link to the settlement website
Toyota ECM Class Action - Need Advice
Added on : Friday January 13th 2012 12:14:09 PM
I got this sent to me a few months ago:http://www.rav4ecmsettlement.com/content.aspx?c=4720&sh=1Lo and behold, I remember I did have to replace my ECM module back in 2008. Luckily, I saved the repair order/receipt, which had details on what they had to repair, which clearly stated the ECM as one item. Below is the sequence of events:1: I sent in copy of the repair order a couple months ago to the address detailed in the link.
2: I got back a response a few days ago claiming that they received my info, but would require "detailed statement written by servicing dealer on their company letterhead stating the symptoms of the vehicle when brought in for repair and root cause...etc".
3: I called Toyota (number on the response), they said they need this because they want to know the root cause from the manager, and cannot further my claim without it.
4: I called the repair shop, owner said the manager who did my repair is gone...and all they got is the repair order, which I already had. He refused to do anything more for me because he doesn't know anything beyond what the repair order said.
5: I tried to call the number in the link (under faq) to see if I can talk to someone about this case...it was all recorded.What are my options now? Am I SOL? I remember why I brought my car in...because the gear shifting was loose and would slip between gears. My car had 80k warranty...when this happened, it was just about 200 miles over that 80k, so I had to shell out around $4500 out of pocket to pay for this. It would be really nice if I get reimbursed for even half that amount.Thanks in advance for all advice!
I just got a check for $18 in the mail yesterday that I almost threw out. It's postcard sized and looks like junk mail. I think it's from an AMEX foreign currency fee class action settlement for anyone using their card overseas from 2000-2006. Watch your mail - most people in my house, and many at work got them too ... we hadn't done anything other than use our credit cards previously to be eligible for this.
Personal injury Settlement - release FIRST? then settlement agreement?
Added on : Tuesday January 10th 2012 03:23:39 PM
In a personal injury settlement, is it normal for the plaintiff to first provide a release (which does indicate the agreed upon dollar amount) but not actually have the settlement agreement yet?Is this normal? My attorney wrote me the following:"Please sign the enclosed release and return. Once received, we will forward to the insurer and we should have the draft settlement within 5-10 days after the insurer has received the signed release."Seems backwards to me but thought I'd ask others here who see this more routinely before I make a big deal out of nothing.
Legal Zoom - CLASS ACTION SETTLEMENT
Added on : Monday January 09th 2012 03:17:15 AM
I just received an email about this class action settlement. My claim number and control number was included with the email.More information can be found on www.LDALitigation.com.
A proposed settlement has been reached in a class action lawsuit, Webster v. LegalZoom.com, Inc. Case No. BC438637 (lawsuit), pending in the Superior Court of the State of California for The County of Los Angeles (Court). The lawsuit claims that LegalZoom.com (LegalZoom) made misleading advertising statements and over-promised the services that LegalZoom would provide. It also claims that LegalZoom failed to comply with the California Legal Document Assistant Act. LegalZoom continues to deny it did anything wrong. THERE ARE NO CLAIMS OR ASSERTIONS IN THIS CASE ABOUT THE VALIDITY OF ANY LEGALZOOM DOCUMENT OR SERVICE. Am I a Class Member? You are Class Member if you purchased a legal document or legal document assistant service from LegalZoom from 9/15/2005 through 6/16/2011.
Auto Accident Settlement - other items to request
Added on : Thursday January 05th 2012 06:23:07 PM
My mother is close to reaching a settlement with an insurance company regarding an auto accident.Once the $$$ has been agreed upon, what OTHER stipulations should be included, some of the conditions I can think of is:1. destruction of confidential documents
2. lump sump to be labeled "special damages" to avoid taxes (is this correct?)
I recently recieved a check from a settlement. On the back of this check it says "third-party endorsement prohibited". I do not have a bank account, and the bank the check is drawn from have any locations within my area. THe only option for me is to cash it at a check cashing place. But isn't that the same as a third-party endorsement when they go to cash it? I can't sign it over to someone to cash it for me at their bank... So I really am stumped here.
PEPBOYS FREE LAWN MOWER WITH TRADE IN ! ! See details
Pep Boys is offering amazing deals on three eco-friendly lawn mowers as part of a settlement agreement with the Environmental Protection Agency over violations of the Clean Art Act.Trade in your old working gas lawnmower (minus the gas) and get for free a 18-inch, five-blade GreenWorksTools Reel Lawmower, valued at $99.
f a human-powered mower doesn't make the cut, trade-up for two other models at up to 75 percent off the retail price:20-inch 12 amp 3-in-1 mower for $75, ($249 value) 20-inch 24V 3-in-1 mower, right, for $150 ($299 value)These mowers are listed on Amazon.com for full retail or more.Pep Boys is making the offer as part of a settlement agreement the company signed with the Environmental Protection Agency, according to a May 2010 press release. The company is offering the lawn mower exchange program to help reduce emissions in the communities where stores are located, according to the release.Visit PepBoys.com to find a location and call to confirm they have the mowers before you go to get one.
http://greenworkstools.com/product-detail/18-Inch-5-Blades-Reel-...http://greenworkstools.com/product-detail/20-Inch-12Amp-3-in-1-M...http://greenworkstools.com/product-detail/20-Inch-24Volt-3-in-1-...thanks, gastonrey / sd
State Income Tax on a Class Action Settlement
Added on : Tuesday December 27th 2011 06:21:54 PM
I received a modest check for a class action settlement from a former employer. It (rightly) deducts federal income tax, social security, and medicare. However, it also deducts state income tax for the state where I worked, even though I am currently in a state that does not have state income tax.Am I entitled to a refund of that state income tax? Do I need to file that state's income tax forms if I want it back? I'm not sure where I can find this information and the tax itself is not so much that it would be worth consulting with an accountant to figure out.
Very nearly threw this away unopened, trying to get the word out. Return address on the envelope is:Bank of American Settlement Administrator
PO Box 9339
Minneapolis, MN 55440-9339If you think you've trashed it already you can contact them for a replacement at the above address.
Watts Guerra Craft LLP TransUnion Class Action Settlement LAWYER FRAUD
Added on : Thursday December 22nd 2011 09:17:03 AM
To bring this up to the top , I am asking that all involved in this scam , to email BILL O Reilly at FOX news .
oreilly@foxnews.comThese lawyers USED our personal financial info AND social security numbers for their own gain .
Just received info in my statement today FWIW - Discover Payment Protection, ID Theft, Profile Protect, Wallet Protector and or Credit Score Tracker Class Action Settlement if enrolled between January 21, 2004 and November 9, 2011. Go to www.walkersettlement.comSettlement amounts between $10 and $60
Good Faith Estimate from lender
Added on : Saturday December 17th 2011 12:15:07 AM
Lender A states that they will give $xxxx.xx amount in lender credit, but does not states in the GFE section "A" line 2.
But $xxxx.xx amount in lender credit is stated in the form called "Here's How your numbers work".I asked them to put the lender credit in the GFE, but they stated "the GFE estimated settlement charges are not your costs, hence they DONT REQUIRE YOUR SIGNITURE." and not state the lender credit in the GFE.Anyone know what is real reasoning behind not putting lender credit in the GFE?
Lender B's GFE shows this lender credit of $xxxx.xx in the GFE section "A" line 2, but seems to under estimated the "Daily interest charges" by putting "0" days. Trying to refi is confusing the heck out of me.
Foreign Currency Litigation Settlement Fund
Added on : Wednesday December 14th 2011 09:11:25 PM
Foreign Currency Litigation Settlement Fund just received a check for $18.04 www.ccfsettlement.com
can't remember how long it's been since i made the claim must be at least 2yrs
I am $0.02 richer!
Added on : Monday December 05th 2011 09:12:31 PM
Justice prevailed.I received an actual check for .02 via first class mail from eBay Motors Fee Class Action suite. The lawyers received a reasonable 25% of the $30,000,000.00 total settlement fund. Why IMNAL?..
Help w/Fiancee Debt Decisions - Settlement Impact
Added on : Monday November 28th 2011 06:09:04 PM
FW Finance Gurus,I wanted to get some help and improve my understanding of settlement impact to credit scores as it relates to my fiancee. General disclaimer is that I believe in paying all debts incurred and don't condone settlments, etc. in general. However, her situation is a bit complex due to the divorce and getting a bit run-over.Situation:
- She finalized a divorce 22 months ago that saddled her with debt (likely unfairly, but that's water under the bridge now)
- She has $20k in debt to BofA which they have completely written off (no collections, etc.)
- She has $9k in debt to a high-end department store that is turned over to collections which has offered $4k (settlement paid in full) or $7.5k (paid in full)
- She has one minor collection item ($100) that is only a month old that will be off this month
- No other bad debts
- Decent long-term credit history minus the negative items above
- Current FICO score is around 620
- She employed a debt management agency a year ago (when she stopped making payments on BofA and dept store debts), but they basically collected $100 a month and have done nothing. She has notified them she is terminating the agreement and we are dealing directly with debt holders.Questions:
- What is the impact of the department store debt to her credit score if she takes the settlement? Essentially, what does $3.5k buy us on her credit score long term considering the BofA existing debt?
- How long will the BofA debt drag down her credit score? (I assume it affects the 35% weighting that is payment history?)
- If I were to buy a house in 3 years, would her credit score drag me down? (I have excellent credit, >780)Thanks in advance for the advice. I'm struggling to find good information on how settlements or written off debt affects credit scores over time. (Everything says "it varies" but gives no general guidance beyond that).
Update on the foreign currency transaction class-action lawsuit. I got my check in the mail today. Got $129.85. Not bad, but factoring in inflation, not great either.
Netflix-Walmart DVD lawsuit - Claim for settlement
Added on : Thursday November 17th 2011 06:12:43 PM
Got email yesterday from OnlineDVCclass.com where they stated that both Netflix and WalMart were sued by consumers for their agreement over DVD business.
WalMart agreed to give settlement amount of $27.25 million and if you claim for it by Feb 14'2012 you will receive the amount from it depending on how many claims they got if court agrees to pay.More information at LinkTo claim WalMart gift card you can fill the form online and if you wish to receive cash send the claim for in mail.
Form link is at left hand side on their website.CNN has confirmed that this lawsuit is legit.Even if you are not Netflix member you can still file for claim as membership number is optional
Question: Best checking/mm account without debit card usage?
Added on : Saturday November 12th 2011 09:09:09 PM
My husband is disabled and will be receiving regular checks for his medicare set aside settlement. I need an interest bearing account without any mandatory count of how many times to use it per month. Basically the money's just gonna sit unless he needs to pay for a doctor's visit or prescriptions, tests, etc. which in a normal month will only be 1-2 times. I'm fine with an internet only bank but I can't seem to find one that doesn't make you use the debit card 10-12 times a month or have direct deposit. Any suggestions?
DeBeers class action
Added on : Tuesday November 01st 2011 09:00:08 AM
Still waiting.http://www.jckonline.com/blogs/cutting-remarks/2011/09/09/update-on-de-beers-class-action-settlement
iTunes Class Action Settlement
Added on : Friday October 28th 2011 03:00:21 PM
Just received an email Here's a link to the siteIf you purchased an Apple iTunes gift card, you could get benefits under a class action settlement.
A proposed settlement of a class action lawsuit could affect you if you purchased an Apple iTunes gift card and the card or packaging to which it was attached contained language that songs are 99 or other language indicating that songs are priced at 99 (referred to as a 99 iTunes gift card in the rest of this Notice).
The settlement will provide you a $3.25 iTunes Store credit if you purchased or received a 99 iTunes gift card and used it to purchase one or more $1.29 songs from the iTunes Store on or before May 10, 2010.
Still no cash from Trans union settlement October 2011.
Added on : Thursday October 27th 2011 06:00:17 AM
Still no cash from Trans union settlement. After immediately signing the agreement as soon as I received it, a couple months later I learned I was thrown into some group II BS.. and supposedly they just took a bunch of people and made them group one.. and they each got a settlement.. I and many other so far never got a settlement, no cash, for those of us that chose cash.. so far it's been lies, deciet, and bs... it's the end of October 2011, and no word on why we never got this money that we elctronically signed for in our seettlement where were were suppose to get about $400 minus $200 for court costs.. so it so far looks like we were scammed and lied too. No one keeps us informaed...I would have added this to an existing thread in these forums, but there was no way to add to that thread..
I want to make a settlement offer to procollect, need tips.
Added on : Monday October 24th 2011 03:00:23 PM
First off, before anyone lectures me about paying debt in full and so on, I know. I get it. I messed up and im trying to fix it the best I can, which isnt 100% but its better than 0%.
Long story short, I was 25 making 100k/yr and blowing it all. I was living in a $1500/mo 1 bedroom loft in downtown dallas (expensive for DFW) and spending every penny I made. Then I lost my job. I had nothing saved up really to cover expenses so was going to have to live solely on $400/week unemployment. I also had two car payments, lots of other bills.So, I moved out of my loft and got a cheap 1 bedroom in the suburbs for $540. I have several months left on my lease. I didnt give notice and apparently they never leased the apartment until my lease was up months later.So, now its 2 years later. I was unemployed close to a year. Have a job now but making WAY less, only about $30k.ProCollect is the collection agency. The balance is just over $10,000.I have about $2400 saved up that i can offer up as a settlement. Would they take this? should I offer less? should I wait? What is the best method to make an offer and have it work? any help or suggestions would be appreciated
Should I do this refinance?
Added on : Thursday October 20th 2011 12:00:19 AM
Okay, here are the details.Wife and I make between 65 -75k per year (wife has been on maternity leave 2 out of the last 3 years, so that is why there is fluctuation). We bought our single family home in Jan. of 2008 for 170k. Our payment is about $1200, including insurance and taxes, with interest rate of 6.125%. We owe 142k on the home, and the appraisal came back at 140k. We are in the middle of a refinance using HARP. We have already paid $325 for the appraisal. We only have 12k in savings, and right now our income compared to spending and bills is about even (daycare for 2 kids is killer).The refi will cost us $5,350 cash with $2,400 coming back to us in escrow. This will cut our mortgage payment to about $950 - $1,000. Here is a breakdown of the settlement statement:Money owed to current mortgager: $143,381 (This is what I don't understand. Our current principal balance is only $141,750)
New Loan: $142k
Cash from borrower: $5,346Origination charges:$88
Credit report: 15
Flood Cert: 5
Interest Charges for 11 days: $200
Initial deposit to escrow: 2,600
Title service and lenders title insurance: $730
G'ment recording charges: 80
Transfer taxes: 213Total settlement charges: ~$4,000
We have no plans on moving in the near future, but I am worried about using 1/3 of our saving to refinance. I would appreciate any opinions and suggestions for our situation. I understand if people take offense to this selfish post, as I don't see how it would benefit many people in the finance message board, but I am honestly looking for advice.Thanks in advance.
HUD-1 question from first time home buyer
Added on : Monday October 17th 2011 06:00:14 PM
hi, all
thanks for reading this, first of all...i am in the final stage of making the biggest purchase of my life, settlement date is this friday (10/21). a couple of things on the hud-1 make me not so happy.a few days ago, i got the draft hud-1 and now the pretty final hud-1.
1. line 1101 title services and lender's title insurance was $740 and now it is $840.
2. the line 704 admin fee, there was none, and now it is $295. the title company said it is a broker fee, that goes to my agent's company. i thought my buyer agent get 3% of the commission and split that with his broker, do i need to pay this fee?any suggestions as to how to argue this will be greatly appreciated. thanks!!!
*****changed hud to hud-1... sorry! and like i said, first time home buyer **************
Washington Mutual (WaMu) Class Action Settlement
Added on : Monday October 03rd 2011 06:00:10 PM
I received a notice in the mail last week about the Washington Mutual class action settlement and didn't see anything on FatWallet about out. Basically, if you were a common stock holder, preferred stock holder, or note holder prior to their implosion, you can probably qualify to get some of the money. As usual, the lower you are in priority(common stock = pretty much SOL) you'll qualify for less of the settlement. I admit I tried to catch the falling knife and got cut on some common stock.
To participate in the settlement all you need is documentation of ownership and you can file a claim at: http://www.washingtonmutualsecuritieslitigationsettlement.com/
Refinancing
Added on : Thursday September 22nd 2011 12:00:08 PM
I'm a new homeowner and never done a refinance before, so forgive me my ignorance please. It seems that the 30 year will be diving under 4% here soon, possibly as low as 3.5%. We purchased our house earlier this year at 4.75% with no points. I've heard in the past that it can make sense to refinance when you can shave 0.50% off your rate, so I'm wondering if it might make sense for us.Details:Original purchase price $320,000
1st mortgage @ ~256k @ 4.75%. Monthly principal payment is $1335 ($1651 with escrows) ~254,450 remaining in principal. Settlement was at the end of April 2011.
2nd mortgage @ $40k @ 4.75% (in-laws helped us with down payment)
Both mortgages are 30 year conventional
We put down $25k of our own at settlement.The appraisal at sale was $320k and Zillow z-estimate is currently at $315k.Thanks for any suggestions anyone has!
GFE (Good Faith Estimate) Changed with Higher costs - need help
Added on : Friday September 02nd 2011 12:00:08 AM
Hello Fellow FTers,This is my first post so please go easy on me. I have been lurking like many other users and I apologize that for my first post I am reaching out for help rather than offering help.Here is my situation:I am in the process of purchasing a house. I locked in a rate with one of the service providers and they were great in helping answer questions and working through the process. I was initially going for a Conventional Loan. I provided all the docs as were required. I was assured numerous times a week back that everything was good to go and only thing remaining was the appraisal to go to settlement. Once the appraisal came in they found issues with the various bank deposits and initial agreement on the down-payment and said my loan could not be approved. The only way to approve any loan was to do an FHA. I did that and reworked the contract with the sellers. My lease on my current residence has ended in the meantime and luckily I was able to secure a 2 weeks extension (ending next Friday).We agreed on the FHA terms and conditions (15 years, 3.5 % down) and should be going to closing next Wednesday. I got a new GFE with different rate and costs which I agreed to. I got a call yesterday from the service provider that the loan was approved however they would need to change the adjusted origination charge on the GFE(effectively increasing it by 3K) since the bank would not be able to approve with that credit amount. I am not a big fan of buying a house but my wife's heart is set on it and I am not totally opposed to buying a place either.Given the above and the fact that my lease is up in 2 weeks, how should I pursue this?Should I go to settlement and fight this after the fact - if so, how?
I have already threatened to cancel this but they have not budged, what else can I do?Thanks for your continued help..
GFE Changed with Higher costs - need help
Added on : Thursday September 01st 2011 09:00:05 PM
Hello Fellow FTers,This is my first post so please go easy on me. I have been lurking like many other users and I apologize that for my first post I am reaching out for help rather than offering help.Here is my situation:I am in the process of purchasing a house. I locked in a rate with one of the service providers and they were great in helping answer questions and working through the process. I was initially going for a Conventional Loan. I provided all the docs as were required. I was assured numerous times a week back that everything was good to go and only thing remaining was the appraisal to go to settlement. Once the appraisal came in they found issues with the various bank deposits and initial agreement on the down-payment and said my loan could not be approved. The only way to approve any loan was to do an FHA. I did that and reworked the contract with the sellers. My lease on my current residence has ended in the meantime and luckily I was able to secure a 2 weeks extension (ending next Friday).We agreed on the FHA terms and conditions (15 years, 3.5 % down) and should be going to closing next Wednesday. I got a call yesterday from the service provider that the loan was approved however they would need to change the adjusted origination charge on the GFE(effectively increasing it by 3K) since the bank would not be able to approve with that credit amount. I am not a big fan of buying a house but my wife's heart is set on it and I am not totally opposed to buying a place either.Given the above and the fact that my lease is up in 2 weeks, how should I pursue this?Should I go to settlement and fight this after the fact - if so, how?
I have already threatened to cancel this but they have not budged, what else can I do?Thanks for your continued help..
CA Summary Dissolution (divorce) Gone Awry: Suggestions?
Added on : Wednesday August 24th 2011 12:00:18 PM
Out of naivety/youth/idiocy/duress, I signed a property settlement agreement that codified a "religious dowry," which was originally to be paid over a few decades, as a "debt" to my ex-wife that was to be paid monthly over several years.I made a few years of payments, became underemployed and, not wanting to skirt any responsibility, continued making payments. Until my family gave me a reality check - I had little to no cashflow, I could not keep making these payments.She agreed to hold off until I was able to continue. She'd occasionally ask if I'm ready to continue, and I'd say not yet. Until one day, she took several thousand dollars from my bank account (as part of the agreement she was supposed to remove herself from the account, she never did, I'm stupid for never thinking she'd do something like this). Wrote me a letter insisting that I continue payments and pay up what's past due, or she'll file suit in CA.After consulting a few attorneys, I wrote a note back saying despite what you did, and the fact that the original contract is legally tenuous, I'm able to pay x-amount starting in y months. No response. I emailed again a few months later, no response.Yesterday, I received a note from an attorney threatening to file a contempt motion and request attorneys' fees if I don't pay what's "past due" (~$5000).I'm still in the hole financially but am slowly climbing out. I don't have what's past due, and have been told that taking this on legally would be even more expensive than what she wants. In the same vein, though, I'm not about to take out more debt to pay this off.I'm consulting attorneys again, but in the meantime, I'd like your respected thoughts?Thank you in advance.
Sprint class action lawsuit settlement
Added on : Tuesday August 16th 2011 06:00:05 PM
Got this in my email, Sprint is setting aside 5.5 million for a class action settlement for unsolicited calling. http://www.palmersolicitationcallsettlement.com/
penfed 5/5 ARM: are they really paying for transfer taxes?
Added on : Tuesday August 09th 2011 09:00:10 PM
I went over all relevant threads here and didn't find an answer to this question:I'm buying a house and I applied for the no cost 5/5 ARM. Penfed states the following on their website:5/5 Adjustable Rate Mortgage (ARM) Promotion: We will pay all closing costs to include: Appraisal fee, Tax Service Fee, CLO Access Fee, Title Fees, Transfer Tax Fees, Credit Report Fee, Flood Cert Fee, Recording Fee, Survey if required and Work Verification Fee. Does not include: Escrows, Interest, Home Owner's Insurance or owner's title insurance. Available in all 50 states and the District of Columbia. Restrictions apply to existing PenFed mortgage borrowers. You must use one of our preferred title companies to get the closing cost credits.
Where I live buyers pay 2% in transfer taxes (additional 2% are payed by the seller), which amounts to $8000 on a $400K house. I talked to them twice about that and they confirmed they were going to pay the transfer taxes if I choose their closing/title company. This sounds like an incredible deal since they are going to cover even more fees as stated above. I wasn't able to get anything in writing from them that states they will cover these costs. Is it too good to be true? Did anyone close with them and can confirm they indeed cover the transfer tax? Another question: does anyone have any experience with a title company called "Champion Title & Settlement" (their preferred title company)?Many thanks for your help!
I just read WaMU, FDIC and WaMu home loans will settle with former clients if you have had a loan with them and paid fees that you didn't have to or wasn't made aware of. I wonder how much $$ the rest of the class will get. They are proposing to pay $13MIL with about $4Mil to lawyers plaintiff and rest to the class. http://www.casseseclassactionsettlement.com/CaseInfo.aspx?pas=ca...Welcome to the Cassese v. Washington Mutual, Inc. Website.In this class action (the Litigation), Plaintiffs Denise Cassese, George Scott Rush, Richard Schroer and William Bloom (the Named Plaintiffs), on behalf of themselves and on behalf of all others similarly situated (collectively, Plaintiffs), brought this action in the District Court against Defendants Washington Mutual, Inc. (WMI), the Federal Deposit Insurance Corporation (FDIC), in its capacity as receiver for Washington Mutual Bank (WMB), such entity having incorporated former defendants Washington Mutual Bank, FA and Washington Mutual Home Loans, Inc. Plaintiffs contend in the Litigation that WMI is directly and indirectly liable for the acts of its former subsidiary, WMB, and other former WMI subsidiaries, for charging fees prior to satisfaction and settlement of Named Plaintiffs and Class Members home loans, mortgage loans, co-op loans, home equity loans or home equity lines of credit. These charges allegedly included various fees (also referred to by Plaintiffs as penalties and finance charges), including, but not limited to, fees that are often but not always listed on payoff statements or elsewhere as i) Fax Fees; ii) Payoff Statement Fees; iii) Recording Fees; and iv) UCC-3 Fees in connection with requests for payoff statements or payoff amounts or the prepayment, repayment, discharge, satisfaction or settlement of loans secured by a residence (collectively, the Disputed Fees). It is not alleged that borrowers were necessarily required by Defendants to pay each of the Disputed Fees.The parties entered into a proposed settlement agreement on February 15, 2011 (the Agreement or the Settlement), which the District Court preliminarily approved on March 10, 2011. The United States Bankruptcy Court for the District of Delaware approved the proposed settlement agreement on May 2, 2011. A Final Fairness Hearing is scheduled for September 15, 2011.WMI vigorously denies Plaintiffs allegations, believes them to be without merit, and has asserted numerous defenses to Plaintiffs claims. WMI believes that it has complied fully with all laws, and has provided all necessary information, relating to the payoff of residential mortgage loans, cooperative loans, home equity loans or home equity lines of credit, and has not breached any contract in connection with such payoffs. WMI denies any liability, and has agreed to this Settlement to avoid the burdens, costs and uncertainties inherent in litigation.If the parties Settlement is not approved, WMI will continue to dispute Plaintiffs allegations. Defendant FDIC, as receiver for WMB, which was closed by federal banking regulators on September 25, 2008, has not settled with Plaintiffs and continues to dispute their claims. Plaintiffs and Class Counsel believe the Settlement to be fair and reasonable for all Class Members. Class Members that paid any Disputed Fee to WMB, or any of its Washington Mutual branded subsidiaries, between January 1, 1998 and September 25, 2008 (the Class Period), and who do not request to be timely excluded from the Class, are entitled to submit a claim to be eligible to receive a payment as described herein.
Bought Bad Business - Need Good Exit Strategy
Added on : Wednesday August 03rd 2011 03:00:07 PM
Hello FWers. I am a long time lurker of the forums (though I created a new user name for this post in order to spare myself from some shame). I've got several problems I was hoping to get some advice on regarding a bad business deal I entered into.First let me say that I take all the blame for not doing my due diligence and creating this mess I put my family in. I am seeking advice on the best exit strategy for me and my family.The back story: My wife and I drained our savings accounts and investments ($35k) (retirement accounts still intact) to purchase a daycare facility from a less than honest young lady who told us that the center was cash flow positive to the tune of about $1800 a month and was at half capacity. I took her at face value and didn't investigate any further. Based on that information I formed an LLC and bought the business. I personally signed a 3 year lease with the landlord (again thinking I was cash-flow positive). I took out a $5k advance on a low rate CC to cover operating costs and all was well. I would pay the loan off in the first few months and build up a nice operating reserve, then start paying myself back the $35k.The problem: Before the ink was even dry on all the agreements, my wife and I realized that we made a terrible mistake. We bought a new computer for the front desk and started entering all the children's data into the software. That's when I realized that we had been had. There were way less than the 13 children enrolled that she stated (which was in the ad, by the way). Then we realized all the signs we missed. The missing rosters, the needing to sell because her husband's job was transferring him, the paying employees under the table, being behind on all the bills.The recovery: My wife and I will run out of the initial $5k loan in the next two weeks. I can take another $5k (total of $10k CC debt) loan out to run the business for a few more weeks if I wanted. The benefit to that is with the school year starting we might get the other 8 kids needed to break even. The downside is that I might be chasing bad money with good (and further into debt). Right now my goal is to sell the business at a loss (being totally honest with potential buyers) and closer to its true value. I have two potential buyers that have responded to my Ad (for $30k) and are coming to look at it in the next week. My fear is that if I don't sell the business, I am on the hook for the $900/month lease with a dormant business. My personal finances MIGHT allow me to cover the $900/month lease if I have to shut down. The other thought is that it would be easier to sell a running business (even if it's taking a loss) than to sell a business that isn't open.Questions:
1. What is my worst case scenario? Can the landlord take all the business assets, lock me out, and demand settlement of the lease? I have not contacted the landlord to see how flexible he is but I do know now that the previous tenant was at least a month behind on the rent and she was still operating. He is also not local FWIW.
2. Should I stay open? If not, when do I throw in the towel?
3. What is my best case scenario? Sell the business for $30k, pay the $10k CC debt and be thankful to be out from under the lease agreement and have my $20k.
4. When should I contact the landlord and let him know we're having cash-flow problems? I've also thought about offering the business to the landlord to settle the lease. I don't see him going for this option, but I feel like he might negotiate with me for some deferred payments or something until I can sell the business.Any other things you guys can think of would be welcome...including the flames...I'm ready. I know we made a horrible decision, but thankfully we still have our regular jobs and I believe that we can recover from this. Thanks guys/gals! I know you'll have some interesting insight for me. I'll follow up as the story unfolds mostly for learning and entertainment purposes.
How to go about settling a 16k debt
Added on : Thursday July 28th 2011 12:00:20 AM
Original story http://www.fullofdeals.com/forums/finance/1113698/?start=0This is to continue with settling my debt. So first thing I did was to call Citibank and found out I still owe them 16k. Right now I have a plan with them of paying 475 per month with 0% interest until the balance is paid off - which is june 2014.
I talked to this lady and tell her I have bills coming in and I will not be able to continue paying, so I would like to settle this account. She was very rude and said Citibank set up this 0% interest for me to continue paying. Right now, she will not offer me any settlement plan, and if i stop paying then the account will go back to default interest (unknown) and then this offer will no longer be available.
I asked to speak with her manager, she said the manager will say the same thing.What is the consequences of stop paying for couple month? what if they don't want to settle at all? I don't want to make this worse than it has been....by the way, I will call my ex-gf's parent and ask them nicely, since they still don't know about this. will keep updating!
Divorce: Change of title on bank account
Added on : Tuesday July 26th 2011 06:00:19 PM
Hi all,I have joint bank account with my Ex. and based on divorce settlement I'm getting the the "ownership" of that account. I was wondering if it is possible to change the title on the account to just my name. If it is, what is the process. This account has long history, and was my primary account for many many years, and in past couple of times I needed records for old transaction and was easy to just call and ask the copies of the checks etc. It also has some grandfathered benefits. BTW I'm CA and account was originally opened in CA.BTW I'm aware of option of closing this account and opening a new one with same or different bank. I'm just trying to find if I can keep the same account, since I have all my transactional history in one place.Thanks!
The 25 Documents You Need Before You Die
Added on : Friday July 22nd 2011 03:00:13 AM
WSJ
WEEKEND INVESTOR
JULY 2, 2011The 25 Documents You Need Before You Die
By SAABIRA CHAUDHURIIt isn't enough simply to sign a bunch of papers establishing an estate plan and other end-of-life instructions. You also have to make your heirs aware of them and leave the documents where they can find them.Consider: At least 10 states have been investigating whether some of the country's largest insurers are failing to pay out unclaimed life policies to beneficiaries. California and Florida have held public hearings on the issue in recent weeks.
Tim GoldmanInsurers say they are behaving lawfully. Under policy contracts, they aren't required to take steps to determine if a policyholder is still alive, but instead pay a claim when beneficiaries come forward.You can avoid such problems by securing important documents and telling your family where they are stored.Jean Parr is grateful that her mother obsessed about the subject. "I really didn't want to think about it," says Ms. Parr, 54 years old, a manager at the American Chemical Society in Washington. But when her mom died in 2005, she knew exactly where to look for the will, the key to a safe-deposit box and documents indicating her mother had paid and arranged for her own funeral.The financial consequences of failing to keep your documents in order can be significant. According to the National Association of Unclaimed Property Administrators, state treasurers currently hold $32.9 billion in unclaimed bank accounts and other assets. (You can search for unclaimed assets at MissingMoney.com .)Most experts recommend creating a comprehensive folder of documents that family members can access in case of an emergency, so they aren't left scrambling to find and organize a hodgepodge of disparate bank accounts, insurance policies and brokerage accounts.You can store the documents with your attorney, lock them away in a safe-deposit box or keep them at home in a fireproof safe that someone else knows the combination to.That isn't to say you should keep everything. Sometimes people hold onto so many papers that loved ones can't find the important ones easily.
02docJ
Tim Goldman
02docJ
02docJ
From SmartMoney How to Manage Important Documents
How to Write a Will
How to Choose Beneficiaries In 2008, Jane Bissler, a counselor in Kent, Ohio, approached her then-87-year-old mother about organizing her documents. Because her mom was a widow with relatively simple finances and two homes, Ms. Bissler, 57, says she figured it would be a relatively simple task.Instead, it took an entire year for Ms. Bissler and her mother to go through all of her papers, which included documents from eight bank accounts, utility bills from the 1950s and reams of canceled checks.The two of them pared down the stash from four four-drawer filing cabinets to one two-drawer cabinet, shredding anything extraneous. Ms. Bissler and her mother visited banks and brokerages to ensure she was listed on all of her mother's accounts. Her mother died in May 2009."It would have been a total nightmare if we hadn't gone through it all with her," Ms. Bissler says. "It was that Depression-era stuff where you keep everything and hide other things." Ms. Bissler estimates that having the documents organized ahead of time spared them from ordering an additional 15 copies of the death certificate and "years" of time.Here is a rundown of the most important documents you'll need to have signed, sealed and delivered. You should start collecting these as soon as possible and update them every few years to reflect changes in assets and preferences. Somesuch as copies of tax returns or recent child-support paymentsneed to be updated more often than others.
The EssentialsAn original will is the most important document to keep on file.A will allows you to dictate who inherits your assets and, if your children are underage, their guardians. Dying without a will means losing control of how your assets are distributed. Instead, state law will determine what happens.Wills are subject to probatelegal proceedings that take inventory, make appraisals of property, settle outstanding debt and distribute remaining assets. Not having an original document means this already-onerous process could be much more of an ordeal, since family members can challenge a copy of a will in court.Rick Law, founder of estate-planning firm Law ElderLaw LLP in Aurora, Ill., says estate planners increasingly recommend revocable trusts in addition to wills, since they are more private and harder to dispute. "Every will is like a compass that points toward the closest courthouse," he says.A revocable living trust can be changed anytime during your lifetime. After you transfer ownership of various assets to the trust, you can serve as the trustee on behalf of beneficiaries you designate. Provided you do so, there aren't any ongoing fees.If your family can't find the original trust documents, you are "basically setting your estate up for litigation," says Duncan Moseley, vice president of Sanders Financial Management in Atlanta.A "letter of instruction" can be a useful supplement to a will, though it doesn't hold legal weight. It is a good way to make sure your executor has the names and contact information of your attorneys, accountants and financial advisers. While the will should be stored with your attorney or in a courthouse, the letter of instruction should be more readily accessible, particularly if it contains instructions on funeral arrangements.Also, make sure your heirs have access to a durable financial power-of-attorney form. Without it, no one can make financial decisions on your behalf in the event that you are incapacitated.
Proof of OwnershipYou should keep documentation of housing and land ownership, cemetery plots, vehicles, stock certificates and savings bonds; any partnership or corporate operating agreements; and a list of brokerage and escrow mortgage accounts.If you don't tell your family that you own such assets, there is a chance they never will find out. Mr. Moseley says in such an event, clients must perform their own detective work, watching the mail for real-estate tax bills or combing bank accounts for interest payments, for example.File any documents that list loans you have made to others, since they could be included as assets in an estate. Similarly, keep a list of any debts you owe to avoid surprising your family. Wills and living trusts generally are drafted to include provisions for how debts should be settled, and creditors have a stipulated period of time in which to file a claim against the estate.Make the most recent three years of tax returns available, too. "Looking at last year's returns offers a snapshot of what assets we should be looking for this year," says Lesley Moss Mamdouhi, a principal at estate-law firm Oram & Moss in Chevy Chase, Md. This also will help your personal representative file a final income-tax and estate return and, if necessary, a revocable-trust return.
Bank AccountsMr. Law recommends sharing a list of all accounts and online log-in information with your family so they can notify the bank of your death. "If nobody ever takes any more out or puts money in, it becomes a dormant account and then becomes the property of the state," he says.Be sure to list any safe-deposit boxes you own, register your spouse or child's name with the bank and ask them to sign the registration document so they can have access without securing a court order.
Health-Care ConfidentialPossibly the most important health-care document to fill out in advance is a durable health-care power-of-attorney form. This allows your designee to make health-care decisions on your behalf if you are incapacitated. The document should be compliant with federal health-information privacy laws, so that doctors, hospitals and insurance companies can speak with your designee. You may also need to fill out an Authorization to Release Protected Healthcare Information form.If you are incapacitated and your family can't locate a health-care power of attorney, they will have to go to court to get a guardian appointed.Porter Storey, executive vice president of the American Academy of Hospice and Palliative Medicine in Glenview, Ill., says it isn't enough to establish a health-care power of attorney unless you have explained to your designee how you would like to be treated in case of incapacity. He also recommends writing a living will detailing your wishes.After Diane Dimond's mother had a series of strokes in 2006, Ms. Dimond knew there was a signed living will tucked away in a safe at home. Ms. Dimond, 58 and living in New York, recalls the Sunday she watched her mother in a coma and was able to fulfill her wishes never to be kept on external life support. "It was gut-wrenching," she says, "but I took the physician aside and said, 'I want to take her home.'" Having her mother's living will enabled Ms. Dimond to do just that.The living will and the power of attorney constitute what are called "advance directives"; some states consolidate these into a single form. (AARP offers a state-by-state listing of advance-directive forms on its website.) Terminally ill patients may wish to have their doctors sign a do-not-resuscitate order.Certain companies, such as Advance Choice Inc.'s DocuBank, will keep copies of health-care documents for a fee. Subscribers get a wallet-sized card and, in case of an emergency, a hospital will call DocuBank, which will fax over the information.
Life Insurance and Retirement AccountsCopies of life-insurance policies are among the most important documents for your family to have. Family members need to know the name of the carrier, the policy number and the agent associated with the policy.Be especially careful with life-insurance policies granted by an employer upon your retirement, since those are the kind that financial planners most often miss, says David Peterson, CEO of Denver-based Peak Capital Investment Services. New York state alone is holding more than $400 million in life-insurance-related payments that have gone unclaimed since 2000, according to the state comptroller's office.Estate planners also recommend that you draw up a list of pensions, annuities, individual retirement accounts and 401(k)s for your spouse and children.An IRA is considered dormant or unclaimed if no withdrawal has been made by age 70. According to the National Association of Unclaimed Property Administrators, tens of millions of dollars languish in unclaimed IRAs every year.If your heirs don't know about these accounts, they won't be able to lay claim to them, and the money could languish. The U.S. Department of Labor estimates that each year tens of thousands of workers fail to claim or roll over $850 million in 401(k) assets. You can track unclaimed pensions, 401(k)s and IRAs at Unclaimed.com.
Marriage and DivorceEnsure your spouse knows where you have stored your marriage license. Mary Cay Corr, now 74 and living in Raleigh-Durham, N.C., couldn't locate hers when her husband died. "I had to write to New York, where we got married, and pay for a new marriage license to prove that I had been married to my husband before I could claim anything," she says.For divorced people, it is important to leave behind the divorce judgment and decree or, if the case was settled without going to court, the stipulation agreement, says Linda Lea Viken, president of the American Academy of Matrimonial Lawyers in Chicago. These documents lay out child support, alimony and property settlements, and also may list the division of investment and retirement accounts.Include the distribution sheet listing bank-account numbers that accompanied the settlement to avoid disputes about ownership or payments due. Also include a copy of the most recent child-support payment order. In the majority of states, the obligation to pay child support still exists after death.Ms. Viken also recommends filing copies of any life-insurance papers. In many states if you have a policy that benefits your children, it can be set off against the ongoing child support.You also should include a copy of the "qualified domestic-relations order," which can prove your spouse received a share of your retirement accounts.
Mary Pilon contributed to this article.http://online.wsj.com/article/SB10001424052702303627104576410234...
Worker's Comp Settlement
Added on : Sunday July 17th 2011 03:00:12 PM
Short Back story In NY, my fianc was injured on the job in 2006. He has had two operations since then one on his shoulder which also resulted in the Dr. removing a 5 section of bicep muscle, C5 and C6 discs in his neck have been replaced by cadaver bone and a titanium cage with screws. As a result of the insurance company dragging their feet on approving the MRI on his neck (took 10 months) and then another year for them to approve his surgery, the Dr.s are unanimous that the nerve damage is now considered to be permanent and there is nothing more they can do other than try to control pain. It has been almost a year since the disc surgery and his lawyer has approached the insurance company about a settlement. There is zero chance he will be able to go back to his former type of employment (construction). Now for our questions for anyone who may have gone through this:
He was given two scenarios by his attorney. Option 1 is a low six figure payout settlement with the insurance company setting aside a sizeable amount into a medical account for the next 30 years of possible medical treatment. Option 2 is the low six figure payout settlement with a mid six figure payoff to relinquish any future claims. He has no other medical insurance other than through the VA. What would you do?
We are in agreement with what to do with the money pay off debt, upgrade oldest vehicle, down payment on new home further South really done with living in NYbut looking for ideas in best way to grow the major portion of the rest of the money. We own our current homes in NY and would probably rent them out (two houses on one property) as opposed to selling.
Thanks in advance!!
Advice Needed - Yes, Another Totaled Car Value Question
Added on : Monday July 11th 2011 09:00:05 PM
Hi fellow FWF's. I am seeking advice for my GF and also helping her through this process as I feel partly responsible due to the fact she was helping me out with an errand when she was hit. If I were not helping I believe she would simply take the insurance settlement without issue.What happened: She was in a small accident last Thursday (July 7th). Both parties have same insurance company (Progressive). I am not sure who they are putting down as the at fault driver (more on that below)Car: 2001 Chevrolet Impala (not LS) About 70,000 miles. The car itself grades a solid "Good". Zip code for area is 04002 Due to the way the car was hit it is being totaled.Offer being given from INS.: roughly $5700 and change + tax minus $500 deductible. Receive about $5200. About $4500 goes to pay off the outstanding loan.I feel this offer of $5700 is to low, though it is higher than I expected (knowing that INS usually low ball first offer) I have read about arbitration and such. My concern is, KBB and NADA guides that normal consumers have access to show a value on the car right around $5,000 or so (the low miles help). On the flip side, when I search using Auto Trader.com for comparable vehicles, dealers have them up around $7000+ for models with similar miles and conditions and such.What is your advice here? Is it safe to seek out a value somewhat larger than NADA and KBB values, because of what dealers in my area (350 mile radius) are selling comparable vehicles?In your experience, what is a target number you would shoot for? I was hoping to have her walk away with at least $6800 after $500 deductible, is this reasonable?I have used this post: http://www.fullofdeals.com/forums/finance/999234/m14808699/#m14808... in another topic and read over the form and also emailed two of the offices at the bottom of the document to see what they say. Heck, I would even pay the $300 like the poster did in that case if one of them (or someone else) took care of things and got results, but I am unable to find the firm that put that doc out.
A secondary issue: I was the only witness. My gf was entering the roadway around a vehicle waiting to turn right into a gas station (vehicle couldnt turn in because my gf was in the way, so he waited in road way with blinker on). A woman in a van came up behind the waiting vehicle, instead of stopping (or slowing down with brakes), decided to simply go around stopped van, <b>went over solid yellow line</b> to pass and then hit my gf who was coming out to go in opposite direction. Naturally both parties involved did something stupid. The woman claims there was no van turning. My gf says there was.....insurance adjuster has not spoken to me (the only witness) and it really hurts her case as it is now simply one side against the other so the concern now is it will go down as her fault. GF stupidly said that we are "together" so I think the adjuster has no incentive to talk to me since he thinks I will just say what I am told to. What typically happens when both parties have the same insurance company, both put claims against each other, and no witnesses are being used?Thanks for any advice or feedback.
I received a notice in the mail that because I had Unicare insurance during a time(4/1/07 to 6/30/08) they had a data breach that I was entitled to settlement benefits. The benefits including internet and credit monitoring for a year. See http://www.unicaredataclaims.com/ for more information. I was wondering if anyone else received the letter and if they know who the services are being offered from.-Casey
"FREE" $15 in the Rice Krispies Cereal Class Action Lawsuit
Added on : Monday June 27th 2011 06:00:02 PM
LinkyYou don't have to show a proof of purchase to claim $15 in a class action lawsuit against Kellogg. Most likely you are someone who bought Kellog's Rice Krispies or Cocoa Krispies between June 1, 2009 and March, 1 2010 anyway.
Possible 6 Free Wings at Buffalo Wild Wings W/NFL Settlement
Added on : Wednesday June 22nd 2011 03:00:24 PM
http://www.facebook.com/BuffaloWildWings#!/BuffaloWildWings?sk=w... -write Save our Season on their wall and if the NFL comes to an agreement by July 20 everyone will get the coupon
So closing is set for tomorrow and I just got the 'final' HUD for review.
Doing a Penfed 5/5 loan where Penfed picks up the tab for a bunch of the closing costs.I elected to pay some points (total points = $937.50) however on the HUD-1 instead of listing out on line 802 the amount of $937.50 they are listing out a smaller amount of $283.14 and then not charging some of the fees (such as Binder Fee, Exam Fee, Abstract Title Fees) and also reducing the total Penfed 'credit'. The net result is a wash on paper, however when it comes tax time I believe that I will only be able to deduct out $283.14 in points as that is what is listed as 'points' on the HUD and not the full amount of $937.50, thus getting screwed out of ~$200.Before I make a big fuss with the Loan officer and settlement company (owned by Penfed I believe) tomorrow morning I wanted to make sure I wasn't mistaken in my thinking.
Watts Guerra Craft LLP TransUnion Class Action Settlement
Added on : Friday June 17th 2011 09:00:06 PM
2010 Settlement deadline has passed for submissionsQuick, check your email today 6/17/2011 for $443 settlement offer. MUST BE QUICK to electronically sign and reply.THE FIRST 13,250 OF COUNSELS CLIENTS WHO ACCEPT TRANS
UNIONS OFFER AND SIGN AND SUBMIT THIS ELECTION TO COUNSEL, AS SPECIFIED IN THE CSA; and, Trans Union has determined that Group 2 will be made up of
the balance of Counsels clients who accept Trans Unions offer;WHEREAS, in connection with the CSA, Trans Union has offered to pay me $443 in
cash to settle my Trans Union Claims and Action, as a combination of (i) $412 in cash plus (ii)
$31 in cash, as reimbursement for the filing fee paid by Counsel on my behalf and to the JP
Court in connection with filing my Trans Union Action (Trans Unions Offer);WHEREAS, Counsel have advised me that they represent approximately 68,832 clients
who, like me, are prosecuting Trans Union Claims and Actions;
Cappetta vs GC Services checks mailed
Added on : Wednesday June 01st 2011 12:00:29 AM
Don't know if this impacts anyone else here or not, but I just received a $338.77 check from Cappetta vs GC Services today for class action settlement. This is the biggest class action settlement I have ever received and I'm pretty stoked....Synopsys:
1) We had many AMEX Cards for bonus offers
2) We made several charges on each to get said bonuses
3) We paid off cards monthly, but one payment got applied to wrong account
4) We moved to a new home in an adjacent city and AMEX couldn't contact us and eventually involved GC services for one account (out of 5 accounts we had with AMEX at the time.....one of them with a $900 credit and one with a $900 unpaid balance plus some fees)
5) GC Services called our home and we resolved the issue and fees go away and money applied to correct accountSomewhere between 4 and 5 GC Services ran my credit report on an account in my wife's name (for which I was an authorized user). For this I get $338.77.
Suggestions needed for credit card debts
Added on : Tuesday May 31st 2011 12:00:24 AM
Hi folks,
I 'm experiencing financial hardship right now and do need some suggestions for my personal credit card debts. Here's my current situation.
1. I make 40K a year, wife doesn't work due to health problem, no other income
2. 2 1-year old kids to raise
3. monthly expense is around 2500 including 2 big things, $800 rent and $800 car payment at 4% APR
4. Have a 2-year old car worth 32k with 20K unpaid
5. Have 13K cash in hands
Now I have 44K credit card debts, with 13K at 29.99% and others around 20%
My current credit score is 690, no late payment so far, make minimal payment every month
The debts mainly came from 2 things, we spent all our savings for wife's medical bills and babies, and were accumulate around 1.5K every month for 2 years.
Now my family's situation becomes stable and I need to focus on solving my financial problems. I think my main problem is low income, and am struggling to land on a new job with 75K a year, wife seems not able to work in 1 year, but may work after that. We are also seeking social benefits such as Wic, food stamps, and medicaid to reduce our burden.
Meanwhile I will aggressively looking to solve my credit cards debts, i'm paying $850 interest every month for these debts. I did some research and have following options:
1. work with CCCS to get low interest and monthly payment, how low the interest they can work out any one knows? How hard my credit score will be hit?
2. contact with credit card company directly for low interest and payment plan, compare to CCCS, which one is better? anyone has experience? Will my credit also get hammered?
3. go with the debt settlement trick, cut to 30%-50%, but seems need to be late and not guaranteed, but credit will be hit hardest, no difference than bankruptcy
4. Chapter 7 or 13, I do have plans in next 5 years to buy a house after paid off debts. Considering chapter 7 and 13 stick with you for 7-10 years, and it will give hard time on rent, insurance, employment, etc. we won't go that far i guess.I do have another option to work abroad for 5-10 years, so chapter 7-13 might be last thing we will go with sadly. That's my story, and please input your opinions. Thanks a lot.
Health Insurance Subrogation question
Added on : Wednesday May 25th 2011 06:00:26 AM
My wife was rear ended while pregnant in February. Police report stated that the other party was at fault. The other party's insurance took responsibility. Although she felt fine, we went to the hospital on two separate occasions to ensure all parties were safe (the car was totaled). Fortunately, everybody were healthy. When we received the hospital bills, we sent it to the other party's insurance company. Hospital bill before the insurance discount was about $6500. The discounted rate was about $2700. Since we have a HSA, we paid out around $2000 until we hit the out of pocket limit. The other party insurance contacted us and offered to cut us a check for $5200 for letting them go of liability. We were not seeking to profit from the accident and let them know that the cost to us was only $2000 but they insisted. We signed the document and received the check thinking everything was ok. This happened maybe in early April. Since then, she has delivered our beautiful daughter.I thought "everything went better than expected" but yesterday, I received a subrogation notice from our insurance company. I did not even know such procedure existed until now (yes, I should have fully ready my insurance policy). Our state is GA and the insurance policy is ERISA plan.What is most likely to happen? I don't think the amount warrants lawyer up situation but I wanted to hear the group's thoughts. I see 3 scenarios.
1. Insurance demands $6500
2. Insurance demands $5200
3. Insurance demands $5200 (settlement) - $2000 (our out of pocket cost)IMO, 1 and 2 are entirely unfair. 3 is annoying but livable.
Dell Vostro Nvidia GPU defect class action settlement
Added on : Tuesday April 26th 2011 03:41:22 PM
I'm surprised I have not seen this mentioned here already.
Is the issue not on topic?
My claim was accepted and my laptop was "repaired" however they simply replaced
the mainboard with another of the defective boards since there really is not other boards
available.
I have been reading about these "bandaids" they have been appyling these voodoo like fixes
in the name of going thru the motions but i believe they know and everyone else knows the
problems are much deeper than these sham repairs can correct.My expert says i still suffer from the Nvidia defect and the board fail again prematurely
in the not too distant future.The wording of the Dell portion of the settlement uses the specific word "NEW GPU"
so I feel like anything less than a next generation chip is NON-COMPLIANCE.I have just recieved my unit back from a SECOND Dell repair with NO CHANGE in the 90C
temps under benchmark load. they claimed to have installed a heatsink but i dont think they did.It seems to me that Dell should be charged criminally for these fake repairs.Is small claims my next recourse and does that need to be done in the same state the unit was
purchased in? Myself and the purchaser are associates in this quest for consumer justice.
My bank (let's make up a name for them for the purposes of conversation... oh I don't know... how about "E*Trade?") is pretty awesome, but they have a nasty habit of posting incoming credits after posting outgoing debits, which maximizes the risk of overdrafting. With linked savings and brokerage accounts, I try to keep a minimum balance in my checking account, so occasionally I've run into this. They unfortunately don't offer overdraft lines of credit and will return a check unpaid rather than letting one's account go $0.01 negative, but I digress...It seems to me that this kind of manipulation of numbers to push the consumer towards incurring additional fees may also be pushing the law (state unfair business practices suits may be a good start). I've sued about a dozen financial companies a la FDCPA/FCRA/TCPA/others in the last 6 years in small claims, state civil, and federal courts, so I have the experience required to file such a suit. I'm trying to find case law on the subject, and so far all I've found was a settlement against 5/3:https://www.overdraftsettlement.com/...which may be a good start, but unfortunately when things are settled, the judges don't rule on the issue or set precident.It would surprise me if this issue was not in the courts many times over, so perhaps some of you have heard of such a thing?--Jon
$3 Free Shipping! Sherlock Holms Credit Card Lock Pick Set! http://1saleaday.com/wireless/Condition: NEW Features Include:Stylish credit card design
Card case is 1/8 inch thick
Small Half Diamond Pick
Short Hook Pick
Snake Rake Pick
Single Sided Pick
Flat Tension Tool
Credit Card Sliding Case *In placing any order with us, you are certifying to 1SaleADay.com that you are 18 or older, and that you will not use this lock pick set for any illegal, immoral, or unlawful purpose or manner. You are also certifying that you accept sole responsibility for obeying all local, state, and federal statutes regarding the possession and use of such tools as this lock pick set, and that 1SaleADay L.L.C will be held completely harmless in the event you fail to observe such restrictions. In addition, you are certifying that you accept full responsibility for any loss or damage that occurs from the misuse of this lock pick set. Customer further agrees to indemnify and hold harmless 1SaleADay L.L.C. against any liabilities, settlements, and expenses in connection with any claim or action that arises from an alleged violation of the aforementioned.
I got a postcard that I might be entitled to a payment in a class action settlement against Chase.It looks like this should apply to anyone who was enrolled in payment protector between 9/1/2004 and 11/11/2010.Here is the link to the website where you can file a claimhttp://www.kardonicksettlement.com
Settlement with gag order or battle it out?
Added on : Friday April 01st 2011 09:40:15 PM
I'm involved in a court case. I won the first round, and the losing party appealed.Now that the court date is almost here, they're trying to stall with continuances. I don't doubt I'll win, though this time they've retained counsel - each side thinks they're right and doesn't want to lose obviously. I'm pro se.Whether the court grants the continuance is one thing, but has a plaintiff ever been one to offer a settlement, or is that done only on the defense side? I'm confident in my case but know how long this stuff can take.My only other concern is that if I do settle I'll probably have to sign a NDA. I'd love to share my story but it's not possible with an NDA. Thoughts on that? I should probably just be concerned with recovering as much money as possible.
Please help with Tax Situation
Added on : Sunday March 20th 2011 04:40:18 PM
Hi everyone, Please help me with this tax question, my daughter was in a car accident 5 years ago and just last year we just had enough of all the court proceedings and depos and accepted a low ball settlement for her,
anyway she is a minor and thus the County Surrogate has her $ in 2 bank accounts they created.. this year to my surprise, I got 1099 forms for both accounts addressed to me (parent) as GDN and her secondary with her SSN# on right side box.
Now my question is this: This $ is hers, not mine, the interest earned is hers yes but we do not benefit from it now - so do I report this on my tax form, I am using TaxCut and I can add 1099 for my children, is this the way to go about reporting this? Please help!
Apple common stock class action settlement
Added on : Friday March 18th 2011 09:40:16 PM
There was recently a settlement for a case against Apple. Folks who traded "AAPL" stock between 2001 and 2006 might be interested.Did anyone get the claim form for this on time?I just now received the claim form in the mail with no postmark date. The letter is dated November 2010, requiring action by March 15. I wonder if I'm the only one to receive the claim letter a couple days after the deadline.
How do I Effectively Picket/Protest a Business?
Added on : Friday March 18th 2011 03:40:06 PM
Quick story: I am wondering how to effectively picket/protest a business without being sued by the business. A couple of responses in the Requesting advice dealing with uncooperative car dealer thread suggesting to stand with a sign outside the business got me thinking about doing something but I don't want to make more trouble for myself than I'm already in.Suggestions? (I've already researched on Google and know some of the things not to do/say when picketing. I've also done a FW search. The thread on naked protesting probably won't work for me )
Long story: I had a contract on a pre-construction condo with a major developer in my city and when it came time for closing there were distinct differences in the delivered unit from what was contracted for. One claim relates to false advertising. Time has passed since the initial discussion of the differences and the developer has sold the unit to a different buyer. (I'm not contesting their right to do this.) However, they've retained my deposit since I didn't close. I hired an attorney to take this to binding arbitration. As specified in the contract, the loser pays the winner's legal fees. The attorney is confident in my case but advises I could win or I could lose. If you've read about arbitration, you can see how precarious it is for consumers even with a strong case.) However, we're working on a settlement before going forward. The most I could get the developer to offer is about 1/3 of the deposit, which isn't really that much and attorney fees will pile up quickly. This amount basically covers my attorney fees to date. I'm not satisfied with the offer but can't, at least not yet, get them to offer more. The car dealership thread got me thinking that perhaps I should consider alternative methods to get the developer to chip in a bit more. I could stand nearby their sales office - but not on their property!!! - with a sign about what happened. I could hand out info to prospective buyers explaining the 10 different ways that this developer's contract is extremely consumer unfriendly. (I don't know if it is more unfriendly than other big developers' contracts.) Or I could protest in some other way like setting up a website. I don't think these methods are so persuasive in getting buyers to avoid a business. People might just think I'm a little crazy or bitter - yes, I am - and continue with their purchase. And I don't think that the local news would cover it, as real estate stories are old now. But the developer might give in a little more. Or they might just tell me to go forward with the arbitration. They also might sue me to be a nuisance to me - this business takes things very seriously and won't like me drawing any attention to this situation. Even if I prevail in a lawsuit against me, it would cost me a lot in legal fees!At this point I'm not yet seriously considering the picket/protest route but I was wondering for what actions might I lose a law suit? And what approach might be safe and effective for me to take? Before doing anything I would consult an appropriate attorney but thought I'd throw this out here on FW because it might be an interesting thread and because it involves protecting one's financial investment.If I stop responding to this thread, it means I've accepted the settlement offer and can no longer discuss the case.
Closing costs quote - does this seem right to you?
Added on : Tuesday March 08th 2011 08:40:12 PM
I'm not here to get critiqued on the purchase price, down payment, what have you.. just curious what the community thinks on these closing costs.30 year homebuyers advantage loan from NFCU Bexar County in San Antonio, TX.
Amount - 200,000
0 down (please no comments, i know)
interest rate 5.25%
origination fee - 1%
Estimated PITI - 1702.74FEES:
Origination 2000
Discount Fee - 500
Appraisal Fee - 425
Credit report - 11
Tax Service Fee - 45
Flood determination Fee - 7
Tax Set-Up Fee - 5
Funding Fee 1.75 ( i knew about this one)- 3500
Prepaid Interest (estimate) - 805.48
Hazard Insurance Prem - 1600 (high, will go with USAA)
Settlement Fee - 835
Owners Title insurance - 1427 (???)
Title Insurance - 1427 (???)
Recording Deed - 125
Pest inspection - 100
Survey Fee - 500Total w/o Escrow 13,312.48
2 mos Hazard insurance - 280
2 mos County Property - 916.66Escrow total 1196.66Total w/ Escrow 14,509.14
Check lost! Settlement from 3rd party insurance company
Added on : Tuesday March 08th 2011 05:40:24 PM
Ok to start, I know I have horribly mismanaged the situation. A sizable settlement check was lost almost a year ago. Attempts to contact the insurance company for a replacement were unanswered or brushed aside, so at the time I put it on the back burner. I know, bad idea. Going through some files today I found the settlement contract. Is there any way I can use this to leverage a replacement check? Is it too late?Will add scan of the contract soon, but the wording is "In consideration of $XXX Dollars, the receipt of which is acknowledged, the undersigned ..."
Ok to start, I know I have horribly mismanaged the situation. A sizable settlement check was lost almost a year ago. Attempts to contact the insurance company for a replacement were unanswered or brushed aside, so at the time I put it on the back burner. I know, bad idea. Going through some files today I found the settlement contract. Is there any way I can use this to leverage a replacement check? Is it too late?Will add scan of the contract soon, but the wording is "In consideration of $XXX Dollars, the receipt of which is acknowledged, the undersigned ..."
Default on student loans using credit cards?
Added on : Monday March 07th 2011 12:40:06 AM
So, we all know student loans can't be discharged in any normal fashion. No bankruptcy, no nothing. So, let's say Joe Blow consumer is stuck with $200k in student loans from art school. Now, he can have them adjusted to a certain percentage of income, so he can actually make the payments. But he'll never get it paid down.So, what if Joe Blow gets good credit over many years. Really good credit, so that banks extend him credit lines to cover a large portion, if not the whole balance of his loans. Can't Joe Blow then transfer all of his student loan debts to credit card debts? And after paying for awhile so it doesn't look like fraud, can't he then go bankrupt, or default and negotiate a settlement or something similar?I realize this may be construed as fraud depending on how you do it, and it's not a recommendation. Just an idea...
Homeowner "Forecloses" on Wells Fargo
Added on : Friday February 18th 2011 12:40:10 PM
I can't believe this hasn't been posted before (did I miss it?). Wells Fargo added insurance and other fees onto this guy's mortgage. When they didn't respond to his request pursuant to the Real Estate Settlement Procedures Act (RESPA), he sued them for statutory damages and won a default judgment. He filed for a sheriff's levy and they were preparing for an auction until the bank asked for stay so they could work it out. Wells Fargo Meeting Today With Philly Homeowner Who "Foreclosed" On Them
Living Trust Settlement - is an attorney really needed???
Added on : Thursday February 17th 2011 06:40:12 PM
I'm the successor trustee of a living trust where the initial trustee passed away.There are only 2 beneficiaries including myself. The estate consists of 3-4 simple finincial accounts all in the name of the family trust. There is no real property and there are no debts to settle. The estate is valued under the death tax limit. (state and federal)Is there any need for an attorney when it's this simple? (ie file final tax return and distribute the assets)
8% CD -JPMorgan Variable Range CD
Added on : Wednesday February 09th 2011 04:40:07 PM
Shop4Bonds is currently offered this CD. It seems like a very attractive JPMorgan Variable Range CD.
I would like to know your opinion on this offer please.Issuer: J.P. Morgan Chase Bank NA CD
Coupon / Quarterly: Year 1 : 8.00% Fixed
Maturity: 2/28/2026
Callable: 02/28/2012 and quarterly thereafter (1year call protection)
Years 2 15: 2 x (6.35% - 3Month Libor) subject to range. no cap.
FDIC Insured: Yes up to applicable limits (250,000 for individuals and 500,000 for joint accounts)
Underlying Index: 3 Month Libor & S&P 500 (3mo Libor is currently approximately .31)
Principal Protection: 100% at Maturity (FDIC insured)(survivor option)
Range: SPX > or = 875 (currently 1321) if < 875 then 0 paid for each day below 875
Settlement: 2/28/2011
Price: $100.00
★If Calculated today, Year 2 coupon would be 12.08%....... 2 x (6.35% - .31%) Even if the 3mo Libor triples over the next year10.85% 2 x(6.35% - .93%)
★S&P currently at 1321 a 33.7% cushion above the 875 range
.Currently the 3 Month Libor Rate is .30438 ; below is the historic graph for the 3 Month Libor:
Got this in my e-mail today, thought it might be useful as I'm sure many have TD Ameritrade accounts. Settlement ranges from $50 - 2500 based on if your ID was stolen.See here:
http://www.accountdatasettlement.com/faq.html
Mortgage Interest /Recording Fee Write Offs
Added on : Saturday January 29th 2011 04:40:03 PM
Figured there may be some interest here in the finance forums.Wachovia was the servicing company of a mortgage I wanted to pay off - so I contacted them and requested a payoff statement. Once that statement arrived - I looked at the details and saw the interest (per diem) and also a recording fee along with the principle of the loan - plus paperwork to fill out etc... I didn't have the time to grab a certified check as per their request so I logged into the online bill pay version and instead made a principle payment equal to the outstanding principle. Within a few days I no longer had access to my account online - so I called in a week or two to get another statement so I could pay off the interest/fees and found out that they had gone ahead and closed my mortgage account and are sending me a settlement statement indicating it's fully paid off. They forgive all the interest/recording fee's when this happens - this can actually amount to a reasonably substantial amount of money.I don't know what other companies follow this procedure - but figured it may save someone some money to know.
Does the seller agent cheat on us?
Added on : Friday January 28th 2011 10:40:06 AM
Hi,We're in the middle of purchasing a property and almost in loan doc signing phase. Everything went smooth until yesterday when we received the settle statement from the escrow company. There is a $5k property tax charge for the period of from COE (close of escrow) to end of the tax season this year which surprised us. I know this might sound to you that I'm overacting or kind of weird simply because buyer usually picks up the property tax after COE. However, I strongly believe our case is unique and the seller agent doesn't act honestly and properly from the beginning. First, please allow me throw some background on the property:_The interested property is a HAFA short sale one. The bank had already approved the sale and the net proceeding they need to possess from the property sale price (I know this because the seller agent sent us the bank approval letter, along with preliminary hud1 numbers, after we expressed our interests in purchasing the property and asked for bank HAFA short sale approval letter)._On the second day of visiting property, we put together an offer with a date of COE in the middle of February, which is also requested from the seller agent since the bank won't have to pay the 2nd property tax installment payment if we can close in Feb per our county rules. We went back and forth couple times with seller agent on the purchase price and finally reached an agreement of sale price of X._But here is the problem and our dispute arise when seeing the settle statement yesterday. The seller agent knows that we will COE in Feb and we'll have to pay the part of the property tax after COE. She still put the FULL year amount of property tax as part of purchasing price of X in the paperwork when she submitted to the bank for final approval. In the paperwork, there is detailed itemized list which shows all the numbers including the commissions, property tax, settlement escrow/lawyer fee, seller title and escrow fee, net proceeds to the bank etc. In the property tax column, it clearly showed that the FULL year tax payment was included as part of the purchase price and that's one of the big reasons why I accepted the final sale price of X. It also gave me the impression of such agreement and I didn't bother to further clarify with the seller agent since it's stated in the paper._Now the bank came back with the final approval of sale price of X, but with reduced amount of property tax allowable from the sale price to pay the property tax until COE and increased their net proceeding part so the total sale price is the same amount of X.Now my question to the fellow FWer's and the Realtor experts out there is, does the seller agent cheat on us by knowing that we'll have to pay the property tax after COE but still put FULL year amount in the paperwork? What options do we have at this point since we already passed the 17 days of grace period? We put down $7500 deposit and went so far in the entire process.Sorry for the long story and hopefully that tells the entire picture of the situation. Thanks.
SettlementCentral.com Review?
Added on : Thursday January 27th 2011 05:40:05 AM
My husband suffered a slip and fall accident in CA. He required emergency hospital treatment which I got him straightaway. I know that personal injury lawyers have you do all the work and they just do the negotiating (basically), all for a hefty 30-40% cut. I am perfectly comfortable doing the letter and paperwork, but would love the guidance of samples and such. I have done some research and found SettlementCentral.com. They offer 6 months access to all their form letters and research info, with an additional 6 months available for 20% of the original membership fee ($100 + $20).While this cost is high, when compared to the 30%-40% that a lawyer would charge, it is pittance and a great value. BUT... it is only a great value if the samples, research and support are there. I have Googled for reviews, but all that comes up are various websites where one of the lawyers from SettlementCentral.com has offered advise to the poster (good, but somewhat canned, as can be expected by the volume), then offers a link to their site for the use of their services.There are a couple of ways to look at that. First, it is creating more links for them which increases their SEO for Google and such. By the same token, they are taking the time to offer up good help to the posters.Has anyone used them, and if so, what was your opinion of their services? Has anyone used any other such company/website that they could suggest?Thanks!
Schutzhund
Bladestorm: The Hundred Years War PS3 $24.75 FSSS @ Amazon
Added on : Saturday January 15th 2011 03:40:44 PM
LINKPlatform: PLAYSTATION 3
Lead a mercenary force- Immerse yourself in the role of a mercenary commander. Lead a broad array of troops from varied nations, including heavy infantry, longbowmen, cavalry, cannoniers, and castle siege specialists.
Real-time action- Control entire units in real-time. Issue offensive and defensive commands through an intuitive user-interface. Each soldier is independently animated and fights and reacts in a startlingly realistic and visceral manner.
Conquer armies on a grand scale. Clashes are widespread throughout varied terrain. Richly-crafted battlegrounds span the breathtaking provinces of southern France to coastal settlements along the English Channel.
Your fortune is limited only by your ambition. Establish a reputation as a formidable warrior and leader of men. Build your war chest and lure hardened soldiers to your employ. Achieve your mission objectives and more profitable battle contracts will be presented to you.
Heavy Metal Thunder- Amass a battalion outfitted from an arsenal of over 400 weapons, armor, and other historically-accurate items from the battles that shaped medieval European warfare.
Class Action against TD Ameritrade for unauthorized access of e-mails
Added on : Wednesday January 12th 2011 03:40:05 PM
Got this in my e-mail today, thought it might be useful as I'm sure many have TD Ameritrade accounts. Settlement ranges from $50 - 2500 based on if your ID was stolen.See here:
http://www.accountdatasettlement.com/faq.html
Options for underwater mortgage in San Diego
Added on : Thursday December 23rd 2010 06:40:04 PM
With our second child on the way, I am trying to reevaluate our financial house, so to speak. I am seeking the best course of action, hoping to gain FWFs perspective on the best FINANCIAL decision I can make. Many other threads have gone sideways when this topic comes up and it would be greatly appreciated if we can limit the discussion to the financial aspects. Im not here to blame anyone; I knew what I was getting into and am now trying to be as smart as possible with the hand I have been dealt. Details purchased in 2006 for $620K
1st Interest only - 6% APR (resets in 6/13) - $485K
2nd interest only HELOC variable - $92KThis is our primary residence, both mortgages are held by Wells Fargo, and both loans were purchase money. Current value of home c. $520KOur mortgage is current and we do not qualify for any type of federal assistance (Fannie/Freddie dont own our loans). Additionally, I doubt wed qualify for any type of modification due to our HHI. We are in California, a non-recourse state.Our current reality is that our interest only mortgage will reset in 2.5 years and its highly unlikely that home values will greatly appreciate or that we will be in a position to bring a significant amount of cash to the table in order to conventionally refinance at 80% LTV. Other homes (much larger than ours) are going into foreclosure around us this is impacting our property value, as well. As I see it our options are:
Keep on truckin Currently, we can afford our mortgage. We bought into what we thought was going to be a fixer-upper starter home hoping to be there anywhere from 6-8 years to build equity and move on to a bigger house for our family. Of course Im mindful of what will happen once our loan begins to amortize over 23 years when rates, inevitably, will be higher. Walk away - Given that we are in a non-recourse state and the fact that both mortgages were purchase money, this is an option. While its impossible to know where rates/home values will be in a few years, Im wondering if it might make financial sense to simply walk, take the credit hit now, save like mad, then possibly rebuy in 3-5 years (with conventional financing.lesson learned). My wife and I have stable jobs and wouldnt be adversely affected, job-wise, by a foreclosure on our record. Stop paying the 2nd mortgage I dont know if this would make sense. Both mortgages are held by Wells Fargo. I doubt the 2nd would foreclose upon the first, especially considering that there is no equity. Perhaps this would allow us to negotiate a settlement. However, I think this would mean that wed need to have cash to pay any settlement in full. Are there any other good (relatively speaking) options? What else should I investigate or be concerned with? Suggestions? Thanks in advance.
Debt Collection Follow-up - Resolved in our Favor
Added on : Thursday December 16th 2010 12:40:03 AM
Continued from this archived threadI said I'd post follow-up, and now that I have a check in hand, here it is.Here's the whole story - some repeated from the previous post:Quest medical labs put in the wrong diagnostic code on a claim so the claim was not paid. We figured out the problem, Quest resubmitted the claim and Cigna paid Quest. Quest had already turned over the claim to a collection agency.We get a collection letter and start getting almost daily phone calls from rude people. We faxed the explanation of benefits to the collection agency proving the claim is paid. We kept getting calls which we stopped answering.We get a letter saying the information we provided doesn't prove the claim is paid - and one of the things it says to send in as proof is the explanation of benefits. Idiots.We sent a certified letter based on wording from a letter we found here, citing the Federal Debt Collection Act and also a few Illinois laws that apply, asking to verify the debt. We also said all calls are inconvenient. The letter shows as received on the USPS website (perhaps I should have also done return receipt but I hope the website tracking is proof enough it was received) as of 3 days ago.We continued to get phone calls which we didn't answer. No messages were left but the calls were on our phone logs.I did a Google search for debt collection lawyers and left a message for someone local. He said that the timing of our contact with the collection agency was important regarding having a case (I'm in Illinois - not sure if it is the same elsewhere). He said that we have 30 days from the time of the initial contact to notify the collection agency that we were disputing the debt. We did in fact fax them the proof of payment within a few days of receiving their notice. They declined our proof - asking for a copy of the explanation of benefits (which is what we sent them!). He also said that they were not allowed to ask us for more information to prove payment, as they are the ones who need to verify the debt once we say we were disputing their claim.I faxed the letters from the collection agency as well as copies of anything that we faxed / sent to them. He reviewed that information and got back to us quickly saying he believes they were in violation and would proceed with taking care of the matter. He said it is unusual that he had not heard of the particular collection agency as he is familiar with most of them, especially the problematic ones. He said he usually only takes cases he is fairly certain he would win and he has the defendant pay his fees. That means if he were unsuccessful in recovering any damages, then we owe him nothing. He said that he typically tries to get his clients $1000 which is the typical penalty for violating the collection laws. He said that he would go after higher amounts if there were larger damages as a result of their harassment.My main goal was to get the calls to stop and to make sure there were no negative consequences on a credit report. Any money collected would just be a bonus. He said that correcting a bad credit report is often the most difficult part. Unfortunately, even if it is an error with the insurance company, we are still on the hook for making sure the lab got paid, which is good to know for the future. He said we should go to the Federal Trade Commission website and find the links to the three main credit bureaus requesting a free credit report. As most people here already know, you don't want to go with the commercial "free credit report" websites as those are mostly scams and not free. Luckily, nothing went on the credit report.He said that if the materials support a case, companies typically will agree to settle fairly quickly. I did ask him if we could request $1000 for EACH time they tried to call us since they received our fax disputing the debt, but he said that we can only collect once.He faxed over an agreement which we signed and sent back some time in late May. He said we should expect to get the $1000 and it should be pretty simple. He took care of everything after that point. Doing some research, he found the collection agency that contacted us was actually owned by another parent company, of which he had heard. He said that there are many complaints against this parent company and he wanted to know if we would be the main plaintiff in a class action lawsuit against the company. We thought about it very carefully and would have done it (we wouldn't get anything extra - it was more the principle) except that we are in a line of work where it would have been bad for business for people to google our name and see we were the plaintiffs in a class action lawsuit.Anyway - the lawyer proceeded to take care of filing a lawsuit on our behalf against the collection agency. He gave us periodic updates but not a whole lot happened for a while. The most important part was that the calls stopped after about a week or so. After a few months, he said that they made a settlement offer which included the $1000 plus legal fees. He said he was also able to get a little extra in damages by arguing the stress affected the medical condition which was the basis for the lab work in the first place. We had made it clear from the beginning that we were not in this for the money and didn't want to play hard ball with trying to get anything more than what he felt he could reasonably get.We got the check today for $1300. The lawyer route wound up being great in our situation. No more calls. Turns out nothing got on our credit report. And a $1300 check for our troubles.
Free Cash or Merchandise - Fell Short ExtenZe Settlement
Added on : Friday December 10th 2010 06:40:28 AM
Product fell short,this is for people who have purchased ExtenZe. You can choose to receive either cash or a retail package of ExtenZe NASCAR Racing merchandiseText
Free $30 from Clorox Settlement
Added on : Tuesday December 07th 2010 06:40:16 AM
Get a FREE $30 from Clorox Settlement its for people who had damage on their toilets from Clorox Automatic Toilet Bowl Cleaner with Bleach. You can get up to $30 if you have no proof, $175 if you do.Text
Phoenicia the Board Game $22.98 Shipped @ Tanga
Added on : Tuesday November 30th 2010 11:40:22 PM
LINK
Features
Whats In The Box?1 Central Scoring Mat and 1 Overlord Cylinder
20 Village Tiles in 5 Colours
5 Scoring Cylinders in 5 Colours
5 Production Disks in 5 Colours
25 Cubes for Marking Discounts in 5 Colours
10 Settlement Tiles
45 Worker Pawns
40 Storehouses
35 Brown Disks
48 Development Cards
40 Production Cards
2 Different Sheets of Charts
1 Reference Guide
Tropico 3 $4.99The time is yesterday and the Cold War is in full swing. Through means devious and dubious you have seized power in the Caribbean island country of Tropico, where you now rule as the all-powerful "El Presidente".You decide whether you want to use your army to secure your power base in the best traditions of corrupt, unscrupulous tyrants everywhere or lead your people to prosperity in your role as generous elder statesman.No matter whether you turn Tropico into a vacation paradise, a police state or a modern industrial nation - you will always have to defend your actions before your people! Wander through Tropico as El Presidente in order to intimidate political opponents, hold populist speeches or just to enjoy your country's own Caribbean flair.Don't forget to keep a sharp eye on the dangers and side-effects of your absolute power! Danger lurks on every corner, be it militant revolutionaries bent on installing a communist junta, or the machinations of the superpowers USA and the Soviet Union, both of whom would like to see a more amenable ruler in strategically important Tropico!History takes its course with events such as the Cuba crisis, papal visits and other actual decisive historical events.The only question is whether or not you can play a role in that history!Tropico 3 Download Features * Comprehensive campaign with 15 different missions
* A variety of business sectors: Tourism, petroleum, mining, agriculture, etc.
* A timeline editor allows you to create your own fictive historical events or enter real ones
* Avatar function: Wander the island as El Presidente and change the course of play
* Political speeches, edicts and "other" means of influence
* A wide range of editing and modification functions
* Mission generator for random map creation
* The cinematic, highly detailed graphics perfectly reflect
* A variety of online-functions such as high scores or visiting islands belonging to other players
* Great Latin soundtrack
Tropico 3 Download Minimum System Requirements * OS: Windows XP/Vista
* CPU: Core 2 Duo 2.13GHz
* RAM: 1 GB
* Video card memory: Geforce 7600 GT 256MB / Radeon X1600 Series
* Disk space required : 5 GB
* DirectX: 9.0cTropico 3 Download File Size
2.82 GB
Version
1.00
Publisher
Kalypso MediaImperium Romanum Gold $4.99As governor of a Roman province the fortune of the settlement very much lies in your hands.It is your task to build, reign and defend an organised and civilised Roman city. Fulfill the demands of your citizens by developing goods, resources and trade routes and fight against plundering Barbarian tribes the destiny of Rome lies in your hands!Imperium Romanum Gold Download Features * Includes Imperium Romanum plus the AddOn Emperor Expansion
* Enhanced graphics and new building design
* Interactive missions-mode: Activate each task when you want
* Historically authentic buildings (Circus Maximus, Colosseum, Insulae etc.)
* Multiple production and trade opportunities
* Construction of bridges, fortification, city walls and aqueducts
* Different military units (Equites, siege machines, Barbarian etc.)
* Religion and 5 deities, influence the gameplay
* Lively 3D-environment & day and night time changes Imperium Romanum Gold Download Minimum System Requirements * Windows 2000, XP or Vista
* Pentium / AMD Processor with at least 1,7 GHz
* DirectX 9 compatible Graphic Card (Geforce 3 / Radeon 9550 or better)
* 512 mb Ram
* 1.5 gb free disk space
* DirectX 9.0cImperium Romanum Gold Download Recommended System Requirements * Windows 2000, XP or Vista
* Pentium / AMD Processor with at least 2 GHz
* DirectX 9 compatible Graphic Card (GeForce 6600GT or better)
* 1 gb Ram
* 1.5 gb free disk space
* DirectX 9.0cImperium Romanum Gold Download File Size
1.04 GB
Version
1.04
Publisher
Kalypso MediaGrand Ages Rome $7.50
Raise massive armies and embark on epic campaigns to expand the Empire and take control of the known world! Engage in grand-scale city building and create magnificent cities with creativity and control like never before. Intuitive controls make it easy to launch bone-crushing combat missions and manage every aspect of your thriving civilization.After decades in exile, your family name has been all but forgotten in Rome. But the departure of the tyrant Sulla has changed everything, and Rome stands on the brink of a new era. Sides must be chosen as Caesar and Pompey battle for control of the Republic.The stage is set for you to gain power and influence over one of the greatest civilizations in history.Build an Empire worth fighting for!Featuring 4X Real-Time Strategy:Explore - Journey to ancient Gaul, Britannia, Egypt, and more to colonize barbarians and establish new trade routes.Expand - Stake your claim throughout the known world in the name of Rome! Help build the empire through military conquest and economic prowess.Exploit - Natural resources are yours for the taking as you establish farming, mining, and logging operations. Raze barbarian villages for riches, labor, and property.Exterminate - Destroy all who stand in the way of Rome's glory! Defend your territories by land and sea to secure peace and prosperity for the empireSet Your Sights on Domination!Grand Ages Rome Download Features * Advanced Battle System - Take command of 18 different military units, including naval command, elephant cavalry, and mercenary forces. Recruit citizens of Rome, draft captured enemy forces, and pay foreign squads for their special skills. Defend and expand the Empire by land and sea with exciting RTS gameplay.
* Intense Multiplayer - Online multiplayer functionality with 6 different strategy modes - play competitively or cooperatively. Create buddy lists and challenge your friends to a battle, or use the matching system and take on an unknown foe with the same skill level. Advance your career and increase your rank from praetor to consul and beyond.
* Epic Campaigns - Rub shoulders with Julius Caesar, Mark Antony, Cleopatra and more in a non-linear historical campaign featuring over 40 missions. Choose your own fate as you create and destroy alliances with more than 20 different historical figures. Celebrate your victories by erecting legendary monuments such as the Coliseum, Circus Maximus, the Pantheon, and more.
* Complex Economy - Flow resources eliminate tedious micromanagement, giving you the freedom to create thriving cities with multileveled economic systems. Information overlays visualize the city economy and satisfaction of the people on every location on the map.Grand Ages Rome Download Minimum System Requirements * Windows XP or Vista
* 2.0 GHz Pentium 4 / Athlon processor or better
* DirectX 9 compatible 3D graphics card with 128MB Ram
* GeForce 6600 (ATI 9600) or better
* 1 Gb RAM
* 1.5 Gb free hard disk space
* DirectX 9.0cGrand Ages Rome Download File Size
2.2 GB
Version
1.01
Publisher
Viva Media
Are any of these mortgage fees bogus?
Added on : Monday November 08th 2010 12:40:05 PM
I'm refi'ing my house. The bank is a offering 15 year fixed mortgage at 3.75% with no application fee or points. The fees are listed below. Are any of them bogus/excessive and that I should ask them to remove them?Appraisal Fee $375
Credit Report Fee $19
Tax Service Fee $74
Flood $7.50
Processing Fee $100
Underwriting Fee $450
Document Processing $200
Document Handling $25
Settlement or Closing Fee $450
Lender's Coverage $246
Endorsements $50
Recording Fees $39
CVS in PA--Get a $2 Coupon if you find expired merchandise on the shelf!
Added on : Saturday November 06th 2010 03:40:02 PM
CVS to issue coupons in settlement
CVS stores in Pennsylvania must issue a $2 coupon to any customer who finds an expired item on its shelves under the terms of a settlement negotiated with the Attorney General's Office. CVS must start issuing the coupons within the next 90 days, according to the settlement. To collect a coupon, customers must present expired merchandise to a store cashier. The number of coupons is limited to one per visit. Undercover agents had bought out-of-date products at 54 CVS stores in Pennsylvania between December 2008 and November 2009, said spokesman Nils Frederiksen. CVS did not admit liability or wrongdoing. - Sam Wood
I am looking for a free bank account that doesn't charge an insufficient funds fee.I often sell things online, and periodically I run into an unscrupulous buyer who will try to charge an item back to me. Because of this, I have had a few go-rounds with online payment companies (including P@yP@l) where they have tried to charge amounts back to my bank account long after I have completed a transaction. I am diligent about always transferring money out of my account once a transaction is finished, so it used to be that if someone tried to charge back to my account, there would be no money in the account and my credit union would just "bounce" the charge. I would always end up settling the dispute with the buyer, but it would be easier (for me to negotiate a settlement) because I would still have my money as we were negotiating (rather than the other side having my money and often, my item). Anyway, over the summer, my CU made me "opt in or out" for overdrafts (which I don't want) and started charging a $30 "insufficient funds fee" to bounce charges, so I am looking for a new institution that will just bounce the items and not charge a fee.Anyone using such an institution?
BOA dept collection
Added on : Wednesday October 27th 2010 04:40:04 PM
So my checking account has been closed an put into collections. I received the letter from LTD financial services.
Pretty much my account went overdrawn, and i never received the notifications i set up. About 2 to 3wks later i received a postcard and by that time it was too late. I stopped using the card obviously but i had already accrued about 5 $35 charges. I told the rep i am willing to pay the amount that was overdrawn and the initial $35 fee but not the rest since had i known immediately i would have fixed the balance. Simply moving money over from another account into BOA but i didnt find out until it was too late.So now i have the collections letter. The debt collector is offering a settlement of $245 from the initial dept of $306, that still included about $70 more than i should pay from all the fees BOA charged. The rep said BOA has not reported it yet on my credit report.Overall, my credit is around excellent. I started young and built it and am now 25, i pay of all my cards in full accruing no interest.According to some sites, the fact that it was sent to collections is already on my report. Weather i pay or not will not show up on the report.Obviously i will get some negs for this, but i was hoping to get some advice on the best way to deal with this???
Question Concerning My Real Estate Closing Cost
Added on : Wednesday October 20th 2010 11:40:03 AM
I swear I've seen a similar topic before, but I've spent 20 minutes searching without luck.I'm looking for some information about closing costs and what is valid and what is not valid for the Good Faith Estimate. Here is what I currently have for closing costs:Loan Origination - $4170
Appraisal Fee - $670
Credit Report - $14
Tax Servicing Fee - $80
Processing Fee - $250
Underwriting Fee - $350
Flood Certificate - $19
Settlement of Closing Fee - $850
Title Insurance Premium - Lender - $350
Title Insurance Premium - Owner - $1681
Title Endorsements (#: 1) - $450
Recording Fee - $128.50
City/County/State Taxes - $4533
Buyer Attorney Fee - $904
Title Company PLD Fee, Chain of Title, Wire Charge, Delivery Charge Messenger Fees - $290So all told, $14,739.50 for a $417,000 mortgage at 70% LTV and 3.875% rate for 30 years (located in Chicago with Wells Fargo as that is the only large bank currently doing brokered loans). Are these costs reasonable, and what is negotiable? I'm probably unwilling to go to another broker or bank (given a desire to close on Nov 01, but I definitely want to get the costs down where possible).My one complaint will be that Wells Fargo says the 1% origination fee should cover all charges that loan originators receive for the transaction, which includes application, processing, and underwriting fees as well as payment from lender to broker for origination, which clearly the first three are charged above as well. Curious which of the above charges should be part of that 1% fee? The processing and underwriting fee is obvious, but what else goes to the broker/lender? I don't mind paying the 3rd party fees at face value, but everything else I'd like to question. I'll read up on Geo's post to figure out the title related issues.
Real Estate Closing Cost
Added on : Wednesday October 20th 2010 08:40:02 AM
I swear I've seen a similar topic before, but I've spent 20 minutes searching without luck.I'm looking for some information about closing costs and what is valid and what is not valid for the Good Faith Estimate. Here is what I currently have for closing costs:Loan Origination - $4170
Appraisal Fee - $670
Credit Report - $14
Tax Servicing Fee - $80
Processing Fee - $250
Underwriting Fee - $350
Flood Certificate - $19
Settlement of Closing Fee - $850
Title Insurance Premium - Lender - $350
Title Insurance Premium - Owner - $1681
Title Endorsements (#: 1) - $450
Recording Fee - $128.50
City/County/State Taxes - $4533
Buyer Attorney Fee - $904
Title Company PLD Fee, Chain of Title, Wire Charge, Delivery Charge Messenger Fees - $290So all told, $14,739.50 for a $417,000 mortgage at 70% LTV and 3.875% rate for 30 years (located in Chicago with Wells Fargo as that is the only large bank currently doing brokered loans). Are these costs reasonable, and what is negotiable? I'm probably unwilling to go to another broker or bank (given a desire to close on Nov 01, but I definitely want to get the costs down where possible).My one complaint will be that Wells Fargo says the 1% origination fee should cover all charges that loan originators receive for the transaction, which includes application, processing, and underwriting fees as well as payment from lender to broker for origination, which clearly the first three are charged above as well. Curious which of the above charges should be part of that 1% fee? The processing and underwriting fee is obvious, but what else goes to the broker/lender? I don't mind paying the 3rd party fees at face value, but everything else I'd like to question. I'll read up on posthttp://www.fullofdeals.com/forums/finance/991489/ to figure out the title related issues.
Class Action for Those Who Had Unauthorized Charges by Flycell/Motricity
Added on : Tuesday October 12th 2010 07:40:03 AM
If you were a victim of unauthorized sales and billing for Mobile Content, such as ringtones, news and information alerts, horoscopes, and other digital electronic media, to your cellphone by Flycell, Motricity, Glispa, Thumbplay, Glomobi or Mobilefunster, you are entitled to a compensation. Check your email (bulk mail, as well). More details via the link below: http://www.cellcontentsettlement.com/
Greenburg vs E-Trade
Added on : Tuesday October 05th 2010 06:40:03 AM
I filled out claim forms for the class e-trade settlement for my wife, son and myself. My wife and I received our checks, but my son did not. Greenburg is claiming there was no claim form for my son. I wrote them a letter and they still refused. The only other think I can think of doing is to write the judge and appeal to him. Anyone have any suggestions?Thanks,Mikie
Verizon Wireless to Pay Up to $90 Million in Refunds
Added on : Sunday October 03rd 2010 09:40:02 PM
From NY Times .. link to page included. I had several of these charges but everytime they refunded it with no issues. EVEN after i had it turned off altogether. Having a bad night so i wish to feel helpful/useful somehow. Green for me for posting it first (yes i searched) ... ""WASHINGTON Verizon Wireless said Sunday it will pay up to $90 million in refunds to 15 million cell phone customers who were wrongly charged for data sessions or Internet use, one of the largest-ever customer refunds by a telecommunications company.The companys statement came as Verizon Wireless held talks with the Federal Communications Commission about complaints of unauthorized charges and after questions about a possible settlement of an F.C.C. investigation into the issue.Verizon said in its statement that 15 million customers either will receive either credits ranging from $2 to $6 on their October or November bills or, in the case of former customers, refund checks.In its statement, Verizon Wireless said that the charges affected customers who did not have data usage plans but who were nevertheless billed because of data exchanges initiated by software built into their phones or because of mistaken charges for inadvertent episodes of Web access.In the last three years, the F.C.C. has received hundreds of complaints from Verizon Wireless customers who said they were charged for data usage or Web access at times when their phones were not in use or when they mistakenly pushed a button that was preprogrammed to instantly active the phones Web browser. Beginning in 2009, The New York Times and The Plain Dealer of Cleveland, among other publications, reported that customers had been complaining of the charges but had often been ignored by Verizon Wireless.People close to the settlement talks who spoke on the condition of anonymity said they expected the refunds to total more than $50 million.Verizon Wireless values our customer relationships and we always want to do the right thing for our customers, Mary Coyne, deputy general counsel for Verizon Wireless, said in the statement.The announcement of the refunds might not end the issue for Verizon. People close to the talks said the F.C.C. had been pressing the company to enter into an agreement to pay a penalty for the unauthorized charges, which would serve as a deterrent for companies that might discover similar circumstances but fail to alert customers in a timely manner
AT&T Wireless class action lawsuit
Added on : Thursday September 30th 2010 05:40:03 PM
I received a notice about a class action settlement for AT&T Wireless Customers after March 1, 1999. This is the AT&T Wireless was that was merged out of existence in 2004, before it became Cingular Wireless and then Wireless from AT&T. To receive benefits, Class Members must submit a Claim Form (available at www.awssettlement.com or 1-866-249-8109) by February 13, 2011. Details: Subject to Court approval, settlements were reached of class action lawsuits against AT&T Wireless Services, Inc. (AWS) regarding challenges to: (1) charges for mMode Data Service (mMode) and ENH Discount International Dial (EDID), if they were unauthorized or not understood; (2) charges for cellular telephone calls during a billing period other than the one in which the calls were made (Out-of-Cycle Billing), if not understood; and (3) imposition of Universal Connectivity Charges (UCC), if not understood (collectively, Settled Claims). You may be a class member if you: * live in the U.S. or its territories, were an AWS subscriber after December 20, 2001, and were billed and paid, but not refunded in full, for mMode or EDID;
* live in California, initiated AWS service under a One Rate-type plan after March 1, 1999, and were charged for calls during a billing period other than the one in which the calls were made; or
* live in the U.S. or its territories, were an AWS subscriber after March 1, 1999, and paid, but were not refunded or credited, for UCC charges. You may be a member of multiple classes.If the Settlements are approved, Class Members may receive:* mMode: $8 check
* EDID: $10 check
* Out of Cycle Billing: $8 check or 250 minute AT&T Phone Card
* UCC: $7 check.
Looking for options to force agent to fork over deposit
Added on : Friday August 13th 2010 04:40:04 PM
A few years ago my parents were selling their house and they got a buyer who put a deposit in escrow with the agent. I think it was the buyer's agent but I'm not 100% sure of this.In any case the buyer got cold feet and for some strange reason decided not to show up to settlement. A few months after that the agent asked my folks to release the deposit and they basically said "hell no". A few weeks ago they got a certified letter saying that unless the agent heard from them in 10 days they would release the deposit to the prospective buyer. Once again my folks said "hell no".Any advice on how to get that agent to send that pile of cash over? Preferably without having to incur too many fees in the process -- but something is better than nothing.
about $14k in credit card debt; time to "settle" with them?
Added on : Thursday August 12th 2010 02:40:03 PM
I recently lost a major source of income, and saw my other sources decline significantly.I have $14,500 in credit card debt now, at 0% until January 1. (approx 15% APR and above after that)How adverse would the effects be if I simply called Citi and tried to negotiate settlement? Even a 20% haircut would help a lot.I would rather save whatever money I am making now, rather than paying down a huge debt.
day trading BRK-A in a self-directed retirement account
Added on : Wednesday August 11th 2010 02:40:02 AM
in the spirit of our long lost cousin TripleB I present the following -->a lot of retirement plans offer a brokerage optionBRKA closed today $119,740.01let's say you have an ameritrade account with $9.99 commission and you are all cash at about $120Kother than a risk of a flash crash would there be any other problems folks could think of going in and out of BRKA one time during the dayI understand there is a settlement delay here --- but I see a few positives to this:1) you could feel like a rich person for a couple hours as only rich people buy a share of BRKA2) if you get stuck and decide to wait it out --- you aren't in a really bad investment3) you could pick up a few hundred dollars in the matter of minutesis there anything I haven't thought of here?
Looking for feedback on an FHA refi
Added on : Sunday August 08th 2010 10:40:03 PM
I'm refinancing our home and want to get some feedback on one offer. I called our current mortgage holder to inquire about a refinance. The guy I spoke with told me that an FHA refi would be best. The details:1. We owe about $174K at 6.375%, 2.5 years into a 30-year conventional loan.
2. Not able to put anything down and looking to finance all costs.
3. Home originally cost $179K, but not sure what it will appraise for. Would probably list it for at least $200K.
4. Mortgage company guy told me that the rate would be 4.375% as long as our place appraises at $185K. If not, the worst case scenario would be 5.125% if we don't appraise at the number.
5. The fees: the GFE has a total of almost $11K for settlement charges. I know the $4K for upfront MI and $1K for the escrow are required. So I'm mostly wondering about (1) the origination fee of $3K and (2) the $1,600 charge for title services and insurance. Are these reasonable amounts?Would HARP work for us? We meet all the requirement, but I have no idea how it compares with a conventional-to-FHA refi.4.375 seems pretty good to me, considering we can't put anything down. I'm just curious if the fees are reasonable considering this rate? Thanks...
Eclipse Gum SettlementIf you bought Eclipese gum at certain times in the past, you can submit an online claim to get $5 or $10 (must sign) back per a class action lawsuit settlement. Of course, if more then $7 million in claims is submitted, then your share goes downI find it funny that the website encourages you not to file a claim so that they can donate the leftover money to charity. I wonder if the lawyers are donating all thier contingency fees to charity
Automatic Cell Phone Protection* compliments of your Citi ForwardSM card
Added on : Saturday August 07th 2010 02:40:03 AM
Automatic Cell Phone Protection* compliments of your Citi ForwardSM card - Pay your cell phone bill every month with your Citi Forward card and receive cell phone protection.Link - https://www.citicards.com/cards/wv/copy.do?screenID=1867&OFR=TR_...
Pay your monthly cell phone bill with your Citi Forward card and receive: Automatic cell phone protection from damage or theft Coverage on phones and PDAs Up to $250 per eligible claim (with a $50 co-pay)To get started, just pay your cell phone bill with your Citi Forward card every month and we'll do the rest!Click below to find out how to setup recurring bill payments with your wireless service provider.*Certain conditions, restrictions and exclusions apply to Cellular Telephone Protection, provided by Indemnity Insurance Company of North America. Cellular Telephone Protection is subject to a maximum reimbursement amount of $250 in excess of the $50 co-payment you are required to pay. For complete program details refer to your Summary of Additional Program Information.  
Cellular Telephone Protection.
Coverage effective November 1, 2009.Q. What is Cellular Telephone Protection?
A. Subject to these terms and conditions Cellular Telephone Protection will reimburse the enrolled Visa cardmember (the Cardmember, also referred to as You or Your) for damage to or theft of eligible Cellular Wireless Telephones subject to the terms listed below. Eligible Cellular Wireless Telephones are limited to the primary line and up to the first two secondary, additional, or supplemental lines as listed on Your cellular providers monthly billing statement for the billing cycle preceding the month in which the theft or damage occurred. Cellular Telephone Protection is subject to a fifty-dollar ($50.00) co-payment per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $250 per claim and $500 per twelve (12) month period.Q. Who is eligible for this protection?
A. Only Cellular Wireless Telephones purchased by the eligible cardmember will be covered.
To be eligible for Cellular Telephone Protection, You must be a valid cardmember of an eligible U.S.-issued Visa card enrolled in the Cellular Telephone Protection benefit and charge Your monthly Cellular Wireless Telephone bills to Your eligible Visa card. Following the program effective date set forth above, Your Cellular Telephone Protection begins the first day of the calendar month following the payment of the Cellular Wireless Telephone bill using an eligible Visa card. If a cardmember fails to make a Cellular Wireless Telephone bill payment in a particular month, the Cellular Telephone Protection is suspended until the first day of the calendar month following the date of any future Cellular Wireless Telephone bill payment with the eligible card while the Cellular Telephone Protection benefit continues to be offered.Q. What type of protection is this?
A. Cellular Telephone Protection is supplemental to, and excess of, valid and collectible insurance or indemnity (including, but not limited to, Cellular Wireless Telephone insurance programs, homeowners, renters, automobile, or employers insurance policies). After all insurance or indemnity has been exhausted, Cellular Telephone Protection will cover the damage or theft up to $250 per claim, subject the terms, conditions, exclusions, and limits of liability of this benefit as well as the fifty dollar ($50.00) co-payment. The maximum limit of liability is $250 per claim occurrence, and $500 per twelve (12) month period. You will receive no more than the purchase price less your fifty dollar ($50.00) co-payment as recorded on Your submitted receipt.Q. What is not covered?
A. Cellular Wireless Telephone accessories other than standard battery and/or standard antenna provided by the manufacturer.
Cellular Wireless Telephone purchased for resale, professional, or commercial use.
Cellular Wireless Telephones that are lost or mysteriously disappear. Mysterious disappearance means the vanishing of an item in an unexplained manner where there is absence of evidence of a wrongful act by a person or persons.
Cellular Wireless Telephone under the care and control of a common carrier (including, but not limited to, U.S. Postal Service, airplanes, or delivery service).
Cellular Wireless Telephone stolen from baggage unless hand-carried and under Your personal supervision, or under the supervision of Your traveling companion who is previously known to You.
Cellular Wireless Telephone stolen from a construction site.
Cellular Wireless Telephone which has been rented, leased, borrowed or Cellular
Wireless Telephones that are received as part of a pre-paid plan or pay as you go type plans.
Cosmetic damage to the Cellular Wireless Telephone or damage that does not impact the Cellular Wireless Telephones ability to make or receive phone calls.
Damage or theft resulting from abuse, intentional acts, fraud, hostilities of any kind (including, but not limited to, war, invasion, rebellion, or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin.
Damage or theft resulting from misdelivery or voluntary parting with the Cellular Wireless Telephone.
Replacement Cellular Wireless Telephone not purchased from a cellular service providers retail or Internet store.
Taxes, delivery and transportation charges, and any fees associated with the cellular service provider.
Do I need to keep copies of receipts or any other records? Yes. If You want to file a claim, You will need copies of Your card statement reflecting monthly Cellular Wireless Telephone bill payments during the time of the damage or theft and Your store receipt for purchase of Your new Cellular Wireless Telephone.Q. How do I file a claim?
A. Call the Benefit Administrator at 1-866-894-8569 (or collect at 410-581-9994) within sixty (60) days of damage or theft. Please note: If You do not give such notice within sixty (60) days after the damage or theft Your claim may be denied. The Benefit Administrator representative will ask You for some preliminary claim information and send You the appropriate claim form. This claim form must be completed, signed, and returned with all the requested documentation within ninety (90) days from the date of damage or theft of the eligible Cellular Wireless Telephone or Your claim may be denied.Q. What do I need to submit with my claim?
A. Your completed and signed claim form.
Copies of Your card statement reflecting the entire monthly Cellular Wireless Telephone payments for the month preceding the date of damage or theft.
A copy of Your cellular wireless service provider billing statement that corresponds with the above card statement.
A copy of the original Cellular Wireless Telephone purchase receipt or other sufficient proof, as determined in the Benefit Administrators sole discretion, of the Cellular Wireless Telephone model currently linked to Your Cellular Wireless Telephone account.
If the claim is due to theft or criminal action, a copy of the police report filed within
48 hours of the occurrence.
If the claim is due to damage, a copy of an insurance claim or other report as the Benefit Administrator, in its sole discretion, deems necessary to determine eligibility for coverage. In addition the Benefit Administrator may in its sole discretion require (a) an itemized estimate of repair from an authorized Cellular Wireless Telephone repair facility or (b) the Cardmember to submit the Cellular Wireless Telephone to the Benefit Administrator to evaluate the damage or (c) an itemized store receipt for the replacement Cellular Wireless Telephone showing the purchase was made at a cellular service providers retail or Internet store (for example: Verizon Wireless, AT&T, Sprint Wireless, etc.). If the claim amount is less than Your personal homeowners, renters, or automobile insurance deductible, a copy of Your insurance policy personal declaration
page is sufficient for Your claim. If the claim amount is greater than Your personal homeowners, renters, or automobile insurance deductible, You are required to file a claim with Your applicable insurance company and to submit a copy of any claims settlement from Your insurance company along with Your claim form.
Documentation (if available) of any other settlement of the claim.
Any other documentation deemed necessary, in the Benefit Administrators sole discretion, to substantiate Your claim.All claims must be fully substantiated as to the time, place, cause, and purchase price of the Cellular Wireless Telephone.Q. How will I be reimbursed?
A. Depending on the nature and circumstances of the damage or theft, the Benefit
Administrator, at its sole discretion, may choose to repair or replace the Cellular Wireless
Telephone or reimburse the cardmember for the lesser of a) $250 excess of the fifty dollar
($50.00) co-payment; or b) the current suggested retail price of a replacement
Cellular Wireless Telephone of like kind and quality, excluding taxes, delivery and transportation charges, and any fees associated with the Cellular Wireless Telephone service provider, less the fifty-dollar ($50.00) co-payment.Please note: Cellular Telephone Protection is subject to a maximum of two (2) claim occurrences per twelve (12) month period. Under normal circumstances, reimbursement will take place within ten (10) business days of receipt and approval of claim form and all required documents.Additional Provisions for Cellular Telephone Protection: This protection provides benefits only to You the eligible Visa cardmember. You shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to the Cellular Wireless Telephone from damage or theft. This provision will not be applied unreasonably to avoid claims.If You make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost of repair services, no coverage shall exist for such claim and the Cellular Telephone Protection benefit may be canceled. Each cardmember agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact by the cardmember.Once You report an occurrence of damage or theft, a claim file will be opened and shall remain open for six (6) months from the date of the damage or theft. No payment will be made on a claim that is not completely substantiated in the manner required by the Benefit Administrator within six (6) months of the date of damage or theft.After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of payment made to You. You must give all assistance as may be reasonably necessary to secure all rights and remedies.No legal action for a claim may be brought against Us until sixty (60) days after the Benefit Administrator receives all necessary documentation needed to substantiate damage or theft. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no action shall be brought to recover on this benefit. Further, no legal action may be brought against Us unless these terms and conditions have been complied with fully.This benefit is provided to eligible Visa cardmembers at no additional cost. These terms and conditions may be modified by subsequent endorsements.
Modifications to the terms and conditions may be provided via additional mailings, statement inserts, or statement messages. The benefit described in this terms and conditions document will not apply to Visa cardmembers whose accounts have been suspended or canceled. The Cellular Telephone Protection described in this terms and conditions document will not apply to cardmembers whose applicable Visa card account(s) are closed, delinquent, or otherwise in default.Termination dates may vary by financial institutions. Visa and/or Your financial institution can cancel or non-renew the benefit, and if we do, we will notify You at least thirty (30) days in advance. This information describes the benefit provided to You as a Visa cardmember. It is insured by Indemnity Insurance Company of North America.
FORM #CELLPHONE (10/08)
2009 Citibank (South Dakota), N.A.Citi Forward is a service mark of Citigroup Inc.
www.casenosacv06571.com"settlement class includes all persons who, between May 5, 2002 and May 24, 2010, had a credit card account with Citibank (South Dakota), N.A., or its predecessor Citibank USA, National Association, and who paid periodic finance charges that were assessed from the beginning of a billing period in which the periodic rate was increased as a result of a default or delinquency that occurred before August 20, 2009."This is just an informational post; I am not in the class but saw this information...hope it helps anyone affected.
Auto insurance question
Added on : Wednesday August 04th 2010 07:40:04 PM
Okay you FWers, I'm just curious because I think an insuarnce company is jerking my son around.My son just bought a late model used car on Monday evening. We paid cash for it.Tuesday evening (less than 24 hrs later) someone backed into it in a parking lot while it was parked. Knocked it up quite a bit and now it's moveable but not legally driveable due to the headlihghts being smashed out.Guy's insurance company talked to us today and sent us to a Body Shop, saying that if we wanted to use a different shop that our insurance would have to pay for it because they would only pay it via settlement with our own carrier. Plus when I told her we wanted original equipment parts I was informed that they wouldn't cover it. First off, we only carry liability so our carrier wouldn't cover it anyway, but the whole spiel smells of BS to me. I just want to make certain that the replacement parts are just as good as the original ones...Now we are told at the end of the day that they can't give him a rental until they verify that he has insurance... isn't that the rental companies job? I think they are trying to jerk him around and lowball the kid. Thinking about just getting the car fixed and sending the bill to them through my attorney... any thoughts or advice would be appreciated.PS: So far the best estimate for parts & labor - using their BodyShop, not ours (before the BodyShop gets it torn apart and finds anything else) is for about two thirds of what the car is worth. Cost of a rental for ten-plus days should push it to about 80% of value...)
Life Settlements = Profit ?
Added on : Monday August 02nd 2010 04:40:02 PM
OK, there’s been some passing discussion of this within a couple past threads, but they’ve now got Betty White doing TV commercials.STEPHANIE DHUE: Companies like Coventry buy insurance policies and sell them to investors. I asked Coventry CEO Alan Buerger about his business at a conference this spring.

ALAN BUERGER, CEO, COVENTRY: It's a simple concept. Someone has a life insurance policy. It's a million dollar policy. It has $40,000 in cash. They can get $40,000 from the insurance company or from a life settlement company they can get $80,000 or $100,000 or $200,000. That's very simple.

STEPHANIE DHUE: A simple concept that's loosely regulated. The GAO reports 12 states and the District of Columbia have no laws or regulations for life settlements and there's little uniformity in states that do have rules. Frank Keating of the American Council of Life Insurers worries about life settlements and what's called stranger-originated life insurance or STOLI. That's when policies are taken out only to resell to investors.

NBR
That’s a lot of spread between $40K and $200K. Apparently some insurance companies ask the person if they plan on selling the policy or try to limit them from selling it for a certain number of years, but there must be some that don’t. If the policy-holder claims that their financial circumstances have drastically changed and they desperately need the money, what can they say ?
Winning bid on mortgage that went wrong
Added on : Monday August 02nd 2010 12:40:03 PM
I wonder what would the negotiated confidential settlement look like? Any guesses?
Winning bid on mortgage buys family heartache
Mutual Funds Settlement Website
Added on : Saturday July 24th 2010 12:40:02 PM
I wasn't able to find anything like this through search. "Garden City Group" has put together a list of Mutual Fund Settlement Websites "If you owned shares from any of the following Mutual Fund groups between 1997 and 2004 you may be owed money from a class action settlement.Mutual Fund families: * Alger
* AllianceBernstein
* Allianz
* Bank of America/Nations
* Columbia
* Federated
* Invesco
* Janus
* MFS
* One Group/Bank One
* Pilgrim Baxter (PBHG)
* Putnam
* RS
* Schwab/Excelsior
* Deutschebank/Scudder
* Stronghttp://www.mutualfundsettlements.com/
Employee Stock Option
Added on : Wednesday July 21st 2010 12:40:03 AM
I have a really confusing dilemna and hoping someone can offer some sort of answer to my question. Here goes............
I worked for 20 years as a warranty administrator for a Dodge dealership. I have been gone from there since 2006. During my time there the dealership was "owned" by a family who also had 4 other dealerships. The GM and Office manager of my dealership(let's call it X) were also part owners of X and X only. The primary owner gave all employees who had 5+ years of service employee stock. My stock started out as $25,000 more or less. We got a certificate each year. The employees did not monetarily participate, so it was not like a 401k plan, I always felt as if there was an underlying motive for it, such as a tax write off, etc. since the company had never given us anything except a free turkey at Thanksgiving. BUT, in order to collect on our stock we had to be disabled or gone from the company for 5 years. During my last year there, the primary owner of all 5 dealerships died. Also, during this time we got a letter saying they were discontinueing the stock plan and as of 01/25/2006 we would be 100% vested. I quit there in November of 2006 after being hurt on the job. I did get a workers comp settlement, but went on to another employer to work. After my health continued to deteriorate due to my injury I left employment completely and filed for my disability. Now, this is kind of where it gets tricky. I was deemed 100% disabled about 6 months ago after 3 years of fighting for it. I contacted my former employer and informed them that I was found to be completely disabled, I was told I would be contacted to come in and sign paperwork to collect my money from my stock. After I left the company the GM and OM became complete owners of X. All employees who were part of the original ESOP continued to get our certificates through the years, my value had shrunk to 3500.00 by this time. (I never, ever even remotely thought anything would come of this, because I knew what kind of people I worked for, but was in a catch 22 situation, was severely injured, so basically was stuck in a job that I had to have and never received a raise for over 10 years because I had been injured) Some employees were able to collect "their" money, others ran into a wall at every turn. The GM and OM changed the name of X right before the first of the year since they had become complete owners and had purchased X from the estate of the primary owner. Two months ago I got the following letter. "The purpose of this letter is to notify you of the termination of X's ESOP. The ESOP (or Employee Stock Ownership Plan) was terminated effective 12/01/2009. As a participant in the ESOP, you generally have certain rights regarding the distribution of your vested account balance. As you know, your account balance in the ESOP if any is comprised solely of stock in X purchased by employer contributions. The ESOP document provides that you may elect to receive the vested value of your ESOP account in cash (equal to fair market value of the stock in your account) or in the form of corporate stock certificates.
Due to recent economic conditions, however, the value of the stock in X held in your account has a current fair market value of zero. Therefore, there is no cash distribution available. Additionally, the corporate by laws of X and the ESOP document provide that only CURRENT employees may be shareholders in the corporation. Because you are no longer a current employee of the corporation as a result of the Company's cessation of business, no additional corporate stock may be issued to you. As a result, there will be no distributions in any form from the ESOP to participants.
The assets of X were sold and the corporation is in the process of being dissolved. The proceeds of the asset sale have been used to pay secured creditors, including state and federal tax obligatins. There are no funds remaining with which to pay other obligations. Please understand that no distribution will be made to any owners of X."Some of the people who have left employment are up in arms, they want their money, I have been contacted about going with a group of them to see an attorney. Like I said, I knew in the back of my mind that I would never receive anything, I never expected it, I knew I was being used as a "tax write off" from the get-go on this or that there was something fishy about the whole thing. My question is.....is it worth even fooling with. I am not out any money since I never contributed. It seems that the others who want their money only want to push this because of the crookedness of the company in general. Sort of a vengeance thing. My nerves and health are in no condition to fight with these people, meaning the current owners. I would love to have the money, yes I do need it, but I feel as if the only thing it will bring is more heartache. I complained of an injury and was put in a corner of the service dept with no heat or a/c. Worked from home after numerous surgeries and was not paid, my loyalty to the company was much more than their loyalty to me. As you can tell, yes I am bitter.Any advice????? Let it go?? Is it worth fighting for? Is it worth fighting for and hoping it is broken off in them the way it was so many of their employees? I am sure the owners were smart when they came up with this ESOP and the wording of it. If nothing else, I have some small sense of relief just by venting to this forum. Thanks for listening and hopefully I am not wrong in feeling as if I need to just let it go. Karma is a bitch and what comes around, goes around, am I right or wrong?
Divorce Settlement Tax Question
Added on : Tuesday July 13th 2010 04:40:03 PM
After 18 months I finally am getting to conclude my California divorce. Instead of taking a portion of my wife's retirement (QDRO)when she retires I have decided to accept her offer of $60,000 if I do not touch her retirement. This $60k will be paid at a rate of $500 per month until paid off. My question is is this $500 a month taxable income for me or can it be considered as a gift and part of the property settlement. I asked IRS via tel help line and got 2 different answers from 2 different people. But both did not sound condident in their answer. I know that if money actually is a distribution from a retirement account it would be taxable but this situation seems different to me.
Comcast Settlement - Make $16
Added on : Saturday July 10th 2010 06:40:02 AM
These lawsuits claim that Comcast promised and advertised specific speeds and unlimited Internet access but impaired use of some P2P file-sharing traffic on its High-Speed Internet network. Comcast denies these claims, but has revised its management of P2P and is settling to avoid the burden and cost of further litigation. Comcast agrees to credit or refund some current or former High-Speed Internet service customers. Comcast agrees to pay up to $16 million dollars, less Settlement costs, to eligible Class Members. If you submit a valid Claim Form, you will receive a share of this amount, not to exceed $16.00. The Settlement is not an admission of wrongdoing by any party.http://p2pcongestionsettlement.com
Free $5 Check - Eclipse Gum Settlement Online Claim
Added on : Friday July 09th 2010 07:40:04 AM
Settlement
TextIf submitting a claim for up to $5.00, you must complete the required information below. If submitting a claim for up to $10.00, you must complete the required information below and submit the Affirmation that you purchased the specified Product(s). All Claim Forms must be submitted by January 24, 2011. PLEASE NOTE: Any money left over from this settlement will be donated to one or more charities. By not submitting this Claim Form you will make more money available for charitable donation.  Claim form
Text
FREE VERIZON WIRELESS $20 VOUCHER! via GoWireless class action
Added on : Monday July 05th 2010 11:40:08 AM
FREE VERIZON WIRELESS $20 PURCHASE VOUCHER AT THIS WEBSITE:http://www.davilasettlement.com/JUST FILL OUT THIS FORM AND SUBMIT ONLINE:https://cert.gardencitygroup.com/gow/fs/claim
I keep all my financial institutions' statements pretty much indefinitely. This paid off in the past for credit card foreign transaction fees settlements when I was able to look up my old statements immediately to file a claim, and now today (come to think of it, haven't gotten anything from Visa yet).This time I got a letter about PBHG mutual funds settlements which surprised me because I sort of remember getting a settlement some 5-6 years ago also, but not to look a gift horse in the mouth. The settlement is for those who owned PBHG mutual funds from 1999 to the end of 2003, and the claim form asked for how many shares of each fund one had at the end of each of those years. The form also requires the year end statements to prove the claimed ownership. I don't know how may people keep statements from more than 10 years ago, but I had all of mine for the two funds that I owned 1999-2002. I probably won't get that much, but at this point, its an unexpected windfall (and it wasn't much effort to submit the claim online, and upload scans of the statements). No guarantee if you keep everything for years and years also, but one never knows.
Hosed by Moving Company
Added on : Wednesday June 30th 2010 02:40:03 PM
I just completed a move of some furniture from Massachusetts to Florida. The moving company (a no name supplier, never again) showed up late, delivered almost two weeks late, and damaged some of the furniture along the way. I asked them to propose a settlement and they have sent me a note saying they had referred it to their "legal department". I sense this will get ugly, so the question is what governmental agencies can I try to enlist to add some heft to my side.In addition to newspapers, television stations, state attorney generals, are there any other groups to contact?
2010 FWF Stock, Oil, and Gold Prediction Thread
Added on : Wednesday June 23rd 2010 01:40:03 PM
In the same spirit as this thread and this thread, please post your predictions for the following items:Dow Jones Industrial Average at the close on December 31, 2010 (yes, the S&P 500 is more representative, but the Bogleheads will have a contest going on bogleheads.org so go enter there)
The spot price of gold at the London PM fix on December 31, 2010
The spot price of oil (West Texas Intermediate delivered at Cushing, Oklahoma) on December 31, 2010 (http://www.eia.doe.gov/emeu/international/crude1.html)The contest closes at 12:01 am Sunday, January 10, 2010 (to accommodate people coming back from the holiday, and allow one full week of trading to occur).I'll start:
DJIA at 11,000 (~5% up, as a correction will occur in the spring, but will recover into the fall)
Spot price of gold: 1300 (gold bubble will form again, due to increasing global debt)
Spot price of oil: $80 (economic pressures will keep oil static, but I would expect to hit $100 by spring, with this year's zenith at roughly $120)Edit: by popular demand, we are taking predictions for federal funds rate and USD/EUR as well, although they will not be considered as part of the "contest" and are optional.Federal funds rate will be determined by the daily effective federal funds rate on the last day of the calendar year available on http://newyorkfed.org/markets/omo/dmm/fedfundsdata.cfm - as of December 30, this number was 0.11%.
Because spot prices vary among forex brokers, I will use the December 31 closing price of FXE, the CurrencyShares Euro Trust (closed at 142.91, or 1.4291 USD per 1 Euro) as the settlement value.Note that, December 31, 2010 is not New Year's Day observed: http://www.nyse.com/about/newsevents/1176373643795.html Thus, I would expect all markets to trade that day, even though most people will have the day off.
Rule 51: "The Exchange Board has also determined that, when any holiday observed by the Exchange falls on a Saturday, the Exchange will not be open for business on the preceding Friday and when any holiday observed by the Exchange falls on a Sunday, the Exchange will not be open for business on the succeeding Monday, unless unusual business conditions exist, such as the ending of a monthly or the yearly accounting period."
Help deal on physical therapy charges
Added on : Monday June 21st 2010 12:40:02 PM
A quick overview:I was involved in an auto accident, with the other party at fault. GIECO being the insurance provider for both the parties.I went to a doctor who recommended physical therapy and referred me to a partner company.I went to physical therapy company and they provided low quality services. The physical therapy company is also in network of my medical insurance company.I am still negotiating with GIECO for settlement of personal injury and in the mean time the physical therapy company has sued me in small claims court for payment of the services provided.I have offered the physical therapy company my medical insurance information many times in the past, but she refuses to use them. I believe, since the physical therapy company is in network to the medical insurance, she might get paid much lower then the charges she has invoice me for auto insurance company.My questions:
- Could I demand that physical therapy company charge me based on my medical insurance, in network charges ?
- Could I demand that physical therapy company use the medical insurance company if she cannot wait for the payment from auto insurance ?
- Any tips for dealing with the company in small claims court, I have found out the basic info on small claims court and drafted an answer to the physical therapy companies notice served to me asking the company to use medical insurance and requesting the case be dismissed at Plaintiff expense.Thanks in advance for your guidance.
Are Expedia and Hotwire up to their old tricks?
Added on : Tuesday June 15th 2010 11:40:01 PM
Last year Expedia and Hotwire got into trouble and there was a lawsuit (hoteltaxandfeesettlement.com) where they had to pay $129 million for skimming extra fees when they calculated the taxes and fees for motel transactions (I also heard they did it on airline and car rentals too). Does anyone else seem to notice that they've gone right back to doing the same thing? By not saying how they come up with the taxes and fees, they can slip in some extra money and nobody would be the wiser. That's what the lawsuit was all about. They had been doing that for 10 years and apparently are STILL doing that!Yesterday, I booked an Orlando motel through Hotwire and the taxes and fees came out to be 25% of the price of the room. They STILL didn't break out those costs and there STILL is no info on their web site to say what they consist of. When you call them, they say they have no way to break them out. They defend themselves by saying you can find out the fees by completing your transaction all the way to the "buy it now" button when they'll tell you the fees and then you can back out. But that's very inconvenient to their customers.Back in 2008, Expedia charged me 36% in taxes and fees for a Orlando motel. What I did then was to make a booking (but stop short of paying), for nearby motels for the same dates. I did 5 of them - they were all down the same street from each other. The percentages of fees were all different and varied from 12% to 36%. How can that be? When I called them on it, they just kept transferring me from one person to another until I gave up.Is anyone else noticing some of these things? Thanks.
Distribution from Net Settlement - Roth IRA??
Added on : Tuesday June 15th 2010 08:40:02 PM
I got a distribution from a net settlement (class action litigation) dealing with stock held in a Roth IRA.It came addressed as My Name IRA.1. Do I need to send it back so it says My Name Roth IRA so there's no confusion tax time?2. Does it count against my 5k Roth IRA Limit?
WaMu files new reorganization plan
Added on : Monday June 14th 2010 11:40:02 PM
Washington Mutual files latest version of proposed bankruptcy reorganization plan What does this mean?
WILMINGTON, Del. (AP) -- Washington Mutual Inc. has again revised its proposed bankruptcy reorganization plan. The new plan filed Monday tweaks the allocation of tax refunds to be shared by WMI and the Federal Deposit Insurance Corp. in a proposed settlement of lawsuits filed after the FDIC seized WMI's flagship bank in 2008 and sold it to JPMorgan for $1.9 billion. In the settlement, JPMorgan agreed to turn over $4 billion in disputed deposits to Washington Mutual in return for 80 percent of certain tax refunds. WaMu planned to keep 68.5 percent of a second round of tax refunds, with the rest going to the FDIC. The new plan revises that split to about 65 percent for WMI and 35 percent for the FDIC.Is someone from Chase or the FDIC going to go to jail for stealing all of WAMU's deposits?Does this mean I can get my PETsMART credit card back? I miss looking at those cute kitties and doggies whenever I charged something. I hope it means that WAMU can return to California. I hate looking at all of those ugly Chase logos at every shopping center.
Greenberg vs Etrade settlement
Added on : Monday June 14th 2010 04:40:02 PM
I was not able to post to this discussion http://www.fullofdeals.com/forums/finance/940947/
So,I am posting this here.
Today I was shocked to receive a check for this settlement. I had forgotten about it.The good news is the check is for $628.65
Since it is over $600, a 1099 will come later.
A lesser citizen might have complained that a check for $599.99 would have been far more helpful for them, if they normally avoid telling Uncle Sam when they get paid less than the 1099 reporting minimum.
List of Financial Clearing Houses in the USA?
Added on : Saturday June 12th 2010 01:40:03 PM
Does anyone know a list of financial clearing houses in the USA (ones that do clearing and settlement services for financial and securities transactions), such as Parson, Ridge, etc.?
Class Action Settlement and Taxes
Added on : Friday June 04th 2010 02:40:03 PM
I worked for a company as a W-2 employee about 3 years ago. I just got a notice in the mail that apparently I wasn't given enough lunch breaks or something like that and I'm entitled to a minimal payment. It's like a minimum of $35, but I guess if less people return the document it could go up. They say that 33% is back wages and will be reported on a W-2 and the rest is penalties, interest, etc... and will be reported on a 1099. My question is, will the W-2 that is going to be issued be a 2007 W-2 or a 2010 W-2? If it's 2007, does that mean I would have to submit an amended tax return for 2007? If it's a 2010 W-2 will that screw anything up tax-wise for 2010 (like the IRS thinks I have another job or something)?Is it just not worth the possible hassle in taxes, etc... to get $35?FWIW I tried to contact the "claims administrator" but their answer to all my questions was: "We cannot give tax advice." I guess I could contact one of the attorneys but I don't really want to bother them with a stupid question, I'd rather bother the people here . Although, they are taking like 1/3 of the settlement so maybe they need to earn it by answering stupid questions .
Okay - kind of a long one here but please bear with me.About a year ago we find out that my brother and his wife have about 30K in CC debt. They had entered into various hardship programs with their creditors to eliminate the late fees / interest charges and try and climb out. They have a equity line of 38K on their house. They are due an insurance settlement for an auto accident to the tune of 44K. They will have a child heading to college in the fall of 2011. I am trying to counsel them the best I know how on what to do with their windfall so as to:a) Not make their credit worse so that getting student loans will be impossible.
b) Get as much debt as they can get paid off.So the questions I have are as follows:1) Is it worth it to try and have them settle their CC debt to allow them to get as much of their equity line paid off?
1a) Will that destroy their Credit rating and prevent them from getting student loans in the summer of 2011?2) Should they completely pay off their equity line first or their CC debt first?Any constructive thoughts would be appreciated on how to best advise them would certainly be appreciated.
Debt Settlement Offering a Way out of Bankruptcy
Added on : Friday May 28th 2010 01:40:03 PM
Bankruptcy is the worst of financial situations that can happen to an individual or business. It is the situation where one becomes financially cripple and incapable of clearing creditor dues. Declaration of bankruptcy requires legal sanction from the court of Law. Bankruptcy ruins a debtors financial future and is also a creditors worst nightmare.Debt Consolidation is considered a convenient alternative to bankruptcy. Debtors use a single large loan amount to pay off multiple debts. Banks offer loans to debtors opting for Debt Consolidation. A major reason for the popularity of debt consolidation is its concept - a large loan to eliminate smaller debts. Creditors are happy as they can be sure their dues are paid as against bankruptcy where there is no guarantee that they would receive their money back.While Debt Consolidation certainly offers debt relief for some, a majority of debtors find that they are in the same situation as before, or worse, more in debt than before. They realize they are moving in circles, borrowing money, clearing debts, and borrowing more money to clear the current. Moreover, debt consolidation loans offered are not that easy to get. Debtors with high debt-income ratio or with a negative credit report showing late payments are not generally considered for these loans.
Personal Injury from Auto Accident - not sure where to post?
Added on : Monday May 24th 2010 03:40:03 PM
Hello,Long story short, last October I was in an t-bone accident, a Suburban totalled my car. The driver of that vehicle ran a red light having been distracted by a cell phone (that is their claim).My car was totaled.I incured around $4k in total medical bills and had about $1500 in lost wages.I have had to deal with pesky (very pesky) bill collectors - even though I referred them MANY times to the insurance co.As I am averse to 'ambulance chasing' I have not as yet obtained an attorney (but, I assume I will soon). Why?Today I was offered by the Insurance Co, roughly $2k over the cost of the medical and lost wages (and I will - I assume) have to pay taxes on that amount - and perhaps even the actual bills and lost wages.I have heard many times over that the customary settlement is about three times the medical, plus the actual medical (so 4 times the medical - as I'd pay the medical from the settlement funds) followed by the actual lost wages.I did some internet searches and found MANY articles that agree with this understanding. Some suggest I try to negotiate this myself, others suggest I get an attorney.So, if I do get an attorney, will they be able to get me a better deal - a less stressful deal? Or?Make no mistake I had not planned to go this route, but I do still - many months later still wake up stiff and sore - and that does not usually go away until a few hours later, and I did have to deal with a lot of BS for the car portion of this this and the rental car portion of this, and the stress - there is a lot of it with the bill collection agencies. So, if you are experienced either as a representative of the insurance cos or as a 'plaintiff' or as an attorney - please any advise is appreciated.Thanks!
Countrywide Mortgages - data theft settlements
Added on : Monday May 03rd 2010 09:40:02 AM
I received a notice from 'Notice administrator for US District Court, Portland, OR' regarding a legal notice about a data theft settlement. The website is cwdataclaims.com. The settlement offers free credit monitoring up to 2 years and settlement up to $50,000 if your personal information is stolen. I just wanted to start a new topic on this one so that if any other fatwallet people received this claim can post their comments & suggestions.

 1 2 3 4 5 6 7 >  Last ›