I HAVE SEVERAL OF THESE NOTICES FROM EMAILS THAT I DID NOT SEND…WHAT IS GOING ON? IT NEEDS TO BE FIXED!
AMY @ MOMMETIME@YMAIL.COM

<affiliates@snapfish.com>:
Remote host said: 554 5.7.1 Filtered [BODY]

— Below this line is a copy of the message.

Received: from [98.138.90.57] by nm4.bullet.mail.ne1.yahoo.com with NNFMP; 13 Aug 2011 13:21:16 -0000
Received: from [98.138.89.168] by tm10.bullet.mail.ne1.yahoo.com with NNFMP; 13 Aug 2011 13:21:16 -0000
Received: from [127.0.0.1] by omp1024.mail.ne1.yahoo.com with NNFMP; 13 Aug 2011 13:21:16 -0000
X-Yahoo-Newman-Property: ymail-3
X-Yahoo-Newman-Id: 305820.6511.bm@omp1024.mail.ne1.yahoo.com
Received: (qmail 3399 invoked by uid 60001); 13 Aug 2011 13:21:16 -0000
DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=ymail.com; s=s1024; t=1313241676; bh=5GXA567YLHvvkMr8YnZkOMgdfjfO9+5CzZ7c3/8NWOA=; h=X-YMail-OSG:Received:X-Mailer:Message-ID:Date:From:To:MIME-Version:Content-Type; b=fIO7rUI3YJzGkl5STBUoGaYbZBL7Y9jPJggCpQ2eM0jFt4FqWglXheXCNA64wuOysz1n8hCoZhNQrLICsviTFvQ9jRtu3sO9SVxZEmuyl64/XE/2PC4fznd2Emj4eMvxRURLFQal4LxIYmaS65jAPc3tp4RAKa+0jzzSvsFXYcs=
DomainKey-Signature:a=rsa-sha1; q=dns; c=nofws;
s=s1024; d=ymail.com;
h=X-YMail-OSG:Received:X-Mailer:Message-ID:Date:From:To:MIME-Version:Content-Type;
b=s6tUSPBZR/BYRo/r1TbA49MEEYUJhCqSGpTl7TPAHnxs18fhGP+ck4G9CJcLiW7LV/DrnuCUwLx8Y4ch+66ut9GbFD5PR8gTcXUoEaBpPPg4bDVcgxOnF7v8GZyopSzvcNV87SczN/tTtWoCSJiFW48O07QGq3SdPzTG2ffAWnE=;
X-YMail-OSG: e9JvVTkVM1mv2jJ.dIXrpEx6Cci8MdWvzQhRQlDNfx3AT_e
t00vwlhRp5f81P76vabxSC5Gt9suI60bB__qTd9a49yi5QZEIa0RU90Zql24
DbfDI8fBfdzqkGLpzRZypCvBvfmX_m7npQIEXuM1xdcVOuJTaWYwQbzmMxuv
zRppxms9trFwnXBDMwKd0H2xxNVm_Llv4eFprpZOSnpebvOyymjdQ7YdAUUi
.ShwTYFwmqbpmFLJ4IvwpLh1w.p.GRSf1VMvenM6rEK8ExuRBNDT_IwnunWY
bNP4rgqUBU8U8X.bIhqC40NiQuQJp_AigFrVPxnb68hKqw_klDcJdA4WoSLK
KDSAeLIh_O_fyfk04n8TXuOrzz2GipVSg5lFZEToxkaj_DlqLbMgByvzvCe5
4u2O4kAQaVYjhmj1Pv.qsCseBQdVwDu_BLgw.0.J7rza9RtVeKpbuDoHVUFB
m8LQU_cztKbHL88y.KY8PXHKJiPsdjAt5yNDe2c44uOgZkG4yftfyCAwt15D
_Ujku8Tpbe8O03OgcdEcYPVXSzvV.wOn9rUFsxZY0LVWLSlOqTV54ubuPXFr
KHGG_zx5ZqqHSmVlFzz8.XeX9wCVq4D5Fwn2_jhNjT9IrjODl9YdQ1JxeGHk
Ma.0jXh6L3phg7iXAdtUdwtOLJlxKfCc5cY7c7jBqUIvcSbHknVlWwALzpRe
O25I.bLc2ruPm4xyXR5fK3zA7ZQ–
Received: from [41.206.158.96] by web120201.mail.ne1.yahoo.com via HTTP; Sat, 13 Aug 2011 06:21:16 PDT
X-Mailer: YahooMailWebService/0.8.113.313619
Message-ID: <1313241676.16186.androidMobile@web120201.mail.ne1.yahoo.com>
Date: Sat, 13 Aug 2011 06:21:16 -0700 (PDT)
From: A A <mommetime@ymail.com>
To: "affiliates@snapfish.com" <affiliates@snapfish.com>,
"alicesbucketlist@aol.com" <alicesbucketlist@aol.com>,
"kimber_loo@yahoo.ca" <kimber_loo@yahoo.ca>,
"adutt@yahoo.com" <adutt@yahoo.com>,
"benandjerryluvr@yahoo.com" <benandjerryluvr@yahoo.com>,
"863de75128-r-614321@reply.theblogfrog.com" <863de75128-r-614321@reply.theblogfrog.com>,
"dancinganddishes@gmail.com" <dancinganddishes@gmail.com>,
"elsitconsulting@googlemail.com" <elsitconsulting@googlemail.com>,
"gruhn@webdonuts.com" <gruhn@webdonuts.com>,
"jill@scarymommy.com" <jill@scarymommy.com>,
"jillian@babble.com" <jillian@babble.com>,
"katya@skinmdnatural.com" <katya@skinmdnatural.com>,
"mail@marriedtoageek.ning.com" <mail@marriedtoageek.ning.com>,
"notifications@networkedblogs.com" <notifications@networkedblogs.com>,
"support@godaddy.com" <support@godaddy.com>
MIME-Version: 1.0
Content-Type: multipart/alternative; boundary="0-941692027-1313241676=:16186"

–0-941692027-1313241676=:16186
Content-Type: text/plain; charset=us-ascii

<p>it really hit me when I was forced to file for bankruptcy I had reached my wits end this really intrigued me…<br><a href="http://www.lib.ouhk.edu.hk/cgi-bin/redirect.cgi?nugifik=msn.com&kihoso=yahoo.com&url=http://abc-365news.net/esubmit/bizopp_ax.php">http://www.lib.ouhk.edu.hk/cgi-bin/redirect.cgi?nugifik=msn.com&kihoso=yahoo.com&url=http://abc-365news.net/esubmit/bizopp_ax.php</a> now theres no turning back for me I could never steer you wrong<br></p>

–0-941692027-1313241676=:16186
Content-Type: text/html; charset=us-ascii

<table cellspacing="0" cellpadding="0" border="0"><tr><td valign="top" style="font: inherit;"><p>it really hit me when I was forced to file for bankruptcy I had reached my wits end this really intrigued me…<br><a href="http://www.lib.ouhk.edu.hk/cgi-bin/redirect.cgi?nugifik=msn.com&kihoso=yahoo.com&url=http://abc-365news.net/esubmit/bizopp_ax.php">http://www.lib.ouhk.edu.hk/cgi-bin/redirect.cgi?nugifik=msn.com&kihoso=yahoo.com&url=http://

Technorati Tags: 0000, bh, content type, lt, mail, message id, newman id, osg, rsa, signature, type b, x mailer, yahoo, ymail

Today the last payment to the lawyer is going out in the mail. So if he gets it Monday, how long does it take? How fast can he do it?

Technorati Tags: lawyer, mail

I can’t open bank account because I filed bankruptcy. The banks will not accept because of that. I have been looking for alternatives and while googling I found a thing known as "online account". They say that to open online checking account, i make opening deposit with credit card. Whatever I pay with credit card is my online bank balance. And that then they will mail me checkbook to my house. For depositing check, they said I should scan and email them the check I want to deposit. And that they will use those scans to process the deposit. They say they will also send visa check card through mail, and it can be used at any ATM. Is this scam or real? The online check account site says initial deposit must be 500 dollars using credit card or western union. Is this real or scam?
Also that I should scan and email copy of my social security and driver license for opening of account

Technorati Tags: atm, bank balance, bankruptcy, banks, checkbook, checking account, credit card, driver license, googling, initial deposit, mail, open bank account, social security, visa check card, western union

and now i cannot view my online account or receive statements in the mail. well i recently moved and I am 2 months behind but i have the money now and i want to pay but i am worried the money is going to just dissapear and they are going to take my car away! But i have not received any phone calls or statements or even letters saying they were taking it! Oh yeah and when i call I cant get info without talking to someone and they say i can pay by phone or mail! but wont tell me a thing. It’s annoying! Ive paid my payment for a year now. My mom has never paid it and yeah?

Technorati Tags: mail, mom, money, phone calls

My HOA’s Attorney raked up excessive unjustified fees on me for their own personal gain. I was late paying my HOA fees initially and willing paid the stated late fees along with my HOA dues. However, the Attorney collecting these fees does not accept credit card payments over the phone or online, etc. Therefore, I mailed the amount owed. To my surprise, I later received another letter indicating I owed another 0 for late fees. I ignored this notice b/c I thought that they probably didn’t input my payment in their system prior to the letter going out. So I received another letter stating I owed the 0 plus additional fees, and so on. Basically, each time I paid the stated late fees via mail, the Attorney claimed my payment didn’t arrive on time to their Office, and therefore I owed additional late fees.

In addition, all of my payments were applied towards Attorney late fees rather than my HOA dues. My dues were only 0 per year, but within that year I paid over 0 in additional fees that were never applied towards the full amount owed to my HOA. The Attorney continued to take their money off the top and say that I still owed a balance towards my HOA dues. As a result, I stopped paying b/c I felt I was being ripped off and the fees continued to increase. They ended up suing me for the amount they claimed I owed along with more Attorney fees and court cost.

Since I mistakenly missed the initial court date, when I showed up for the second court date where they filed a judgment against me, they won simply b/c I missed the initial court date. Now they are garnishing my bank account for the amount owed from the judgment.

Currently, I’m unemployed and my home is in foreclosure. I recently filed chapter 7 bankruptcy to stop the sale of my home so I can have time to secure a job and work out a modification on my home loan and get it out of foreclosure. I have not had the meeting of creditor’s as of yet. Can I discharge the past due HOA fees from the judgment/garnishment? I am willing to pay the past due HOA fees I accumulated after the garnishment since I intend on keeping my property. Also, I live in Georgia. Thanks for your answers.

Technorati Tags: attorney fees, chapter 7 bankruptcy, credit card payments, creditor, foreclosure, hoa dues, home loan, job, judgment against, late fees, mail, money, personal gain, surprise

I had a small business in Ca. for 10 years. Accumulated debt along with personal debt, I have decided to file for BK. I now live in AZ., do I need to attain a CA. attorney or can I still do it all here through mail with an AZ attorney?

Technorati Tags: 10 years, bk, ca attorney, mail, personal debt, small business

My husband has been getting phone calls from a collection agency at work. The agent calls but when my husband answers he hangs up right away. They will leave messages but will not talk to anyone when they call and someone answers.

The supposed debt was from an HSBC credit card. We filed chapter 13 bankruptcy in 2006. The card application was dated April 2007. I would have never applied for a card after filing bankruptcy. We received a bill for a credit card from Orchard Bank which we had in 2005 and the account was placed on our bankruptcy case. So I contacted the attorney and he said to disregard the notice. We moved in 2007 and had problems with mail being forwarded back to our old address. We had electric, cable, insurance bills that were sent to our old address. I became concerned and called the providers. They told me that the bills were sent back to them with address unknown.
I almost had all my utilities disconnected and our insurance canceled. We also had problems with the postal carrier placing mail in wrong boxes at the old address.
I’m concerned that someone may have opened up an account with a pre-approved credit offer. We received letters from one collection agency and I contacted my new attorney and she asked them to verify the debt. They did verify the debt but it wasn’t a card that we ever had.
HSBC then sent it to another agency. Then this new one. I sent them 3 letters asking them to verify the debt. I have never received any bills, letters, nothing from them. Just the phone calls at work. I then mailed them two certified letters asking them to stop calling my husband at work and to verify the debt. This was 2 months ago. No letters but the calls are still happening.
I checked my husband’s credit report and found the old HSBC/Orchard card listed and a new HSBC card listed to it. Should I dispute the file to the credit agency? Another strange item is that the collection agent told my lawyer that we paid on the bill. This is all really strange. I would never send in a payment of only . Is this a way to get this off of my husband’s credit report and to get this agent to stop? Thanks.

Technorati Tags: address unknown, bankruptcy case, boxes, card application, chapter 13 bankruptcy, credit report, electric cable, filing bankruptcy, hsbc credit card, insurance, insurance bills, lawyer, mail, orchard bank, phone calls, pre approved credit

Hey Guys,

I have a few concerns and questions that I need answered. I have Googled the laws extensively but would like some human perspective.

I have a friend who downloaded software from Vuze.com. The software is a language software and the torrent he downloaded contained files from a bunch of different languages offered by the company. My friend can burn the files onto a DVD and the DVD can be used on any computer. There is no installation required or anything like that. He has posted the software for sale or trade in various cities on Craigslist.com. Originally he was posting the listings and including the name of the software. Soon after he received a cease and desist letter from company demanding that he remove the listings and stop. After that, my friend decided to post the listings but this time not include the actual name of the company. In the postings he does not write the actual name of the software, but rather posts listings such as "language learning software for sale or trade". Since then he hasn’t received anymore notices from the company. Once my friend receives emails from people who are interested he informs them of the name of the software and arranges to mail them the software. He later received payment via mail or PayPal. Like I said, I looked up all the technical legal punishments such as 0,000 fines, etc. I need your input on a few different questions.

1. Does the fact that the name of the software isn’t publicly advertised matter at all?

2. How exactly are people usually caught? I’ve read that the FBI investigates these matters, but is that typical? Are they doing it on their own or are they asked to by the companies?

3. If caught, what is a realistic punishment? I have seen people sent to prison, but in the story I read the defendant had made millions off of the pirated software and had cars, etc. seized. Could you really go to prison?

4. If you are found guilty in civil court and are demanded to pay an astronomical figure in the hundreds of thousands, what do you do? Would you be forced to claim bankruptcy? Are you allowed to claim bankruptcy since theres no practical means for obtaining that kind of money?

5. Would you have any further warnings or would your house just get raided in an attempt to look for evidence?

6. What kind of lawyer would you need to defend yourself and how much would it cost? What could they do to help you?

Obviously this is a serious matter and your advice is greatly appreciated. I am aware of the laws and have looked up as much as I can but I value your personal input and would like to hear opinions on what would happen realistically.

Thank you for your time.

Technorati Tags: cars, cease and desist letter, civil court, defendant, different languages, fbi, hey guys, human perspective, language learning software, language software, mail, paypal, postings, punishments, torrent

OBAMA truth REVEALED – Received by mail
Posted on July 28th, 2010 by David-Crockett

This is an interesting story, put together from various articles and TV shows, by the British Times paper.OBAMA truth REVEALED

It shows what Obama and his friends are really all about. It’s not hope and change, it is money.

I warn you, the first part is a little boring, but stick with it.

The second part connects all the dots for you (it will open your eyes).

The end explains how Obama and all his cronies will end up as multi-billionaires.

A small bank in Chicago called SHOREBANK almost went bankrupt during the recession.

The bank made a profit on its foreign micro-loans (see below),

but had lost money in sub-prime mortgages in the US.

It was facing likely closure by federal regulators.

However, because the bank’s executives were well connected with members of the Obama Administration,

a private rescue bailout was arranged.

The bank’s employees had donated money to Obama’s Senate campaign.

In other words, ShoreBank was too politically connected to be allowed to go under.

ShoreBank survived and invested in many “green” businesses such as solar panel manufacturing.

In fact, the bank was mentioned in one of Obama’s speeches during his election campaign

because it subjected new business borrowers to eco-litmus tests.

Prior to becoming President, Obama sat on the board of the JOYCE FOUNDATION, a liberal charity.

This foundation was originally established by Joyce Kean’s family,

which had accumulated millions of dollars in the lumber industry. It mostly gave funds to hospitals.

But after her death in 1972, the foundation was taken over by radical environmentalists and social justice extremists.

This JOYCE FOUNDATION, which is rumored to have assets of 8 billion dollars,

has now set up and funded, with a few partners, something called the CHICAGO CLIMATE EXCHANGE, known as CXX.

It will be the exchange (like the Chicago Grain Futures Market for agriculture) where Environmental Carbon Credits are traded.

Under Obama’s new bill, businesses in the future will be assessed a tax on how much CO2 they produce,

(their Carbon Footprint) or in other words how much they add to global warming.

If a company produces less CO2 than their allotted measured limit, they earn a Carbon Credit.

This Carbon Credit can be traded on the CXX exchange.

Another company, which has gone over their CO2 limit, can buy the Credit and “reduce” their footprint and tax liability.

It will be like trading shares on Wall Street.

Well, it was the same JOYCE FOUNDATION, along with some other private partners and Wall Street firms,

that funded the bailout of ShoreBank.

The foundation is now one of the major shareholders. The bank has now been designated to be the “banking arm” of the CHICAGO CLIMATE EXCHANGE (CXX).

In addition, Goldman Sachs has been contracted to run the investment trading floor of the exchange.

So far so good; now the INTERESTING parts…

One ShoreBank co-founder, named Jan Piercy, was a Wellesley College roommate of Hillary Clinton.

Hillary and Bill Clinton have long supported the bank and are small investors.

Another co-founder of Shorebank, named Mary Houghton, was a friend of Obama’s late mother.

Obama’s mother worked on foreign MICRO-LOANS for the Ford Foundation.

She worked for the foundation with a guy called Geithner. Yes, you guessed it.

This man was the father of Tim Geithner, our present Treasury Secretary, who failed to pay all his taxes for two years.

Another founder of ShoreBank was Ronald Grzywinski, a cohort and close friend of Jimmy Carter.

The former ShoreBank Vice Chairman was a man called Bob Nash.

He was the deputy campaign manager of Hillary Clinton’s presidential bid.

He also sat on the board of the Chicago Law School with Obama and Bill Ayers, the former terrorist.

Nash was also a member of Obama’s White House transition team.

(To jog your memories, Bill Ayers is a Professor at the University of Illinois at Chicago.

He founded the Weather Underground, a radical revolutionary group that bombed buildings in the 60s and 70s.

He had no remorse for those who were killed, escaped jail on a technicality, and is still an admitted Marxist).

When Obama sat on the board of the JOYCE FOUNDATION,

he “funneled” thousands of charity dollars to a guy named John Ayers, who runs a dubious education fund.

Yes, you guessed it. The brother of Bill Ayers, the terrorist.

Howard Stanback is a board member of Shorebank. He is a former board chairman of the Woods Foundation.

Obama and Bill Ayers, the terrorist, also sat on the board of the Woods Foundation.

Stanback was formerly employed by New Kenwood Inc., a real estate development company, co-owned by Tony Rezko.

(You will remember that Tony Rezko was the guy who gave Obama an amazing sweet deal on his new house.

OBAMA truth REVEALEDYears
OBAMA truth REVEALEDYears prior to this, the law firm of Davis, Miner, Barnhill & Galland had represented Rezko’s company and helped him

get more than 43 million dollars in government funding.

Guess who worked as a lawyer at the firm at the time. Yes, Barack Obama).

Adele Simmons, the Director of ShoreBank, is a close friend of Valerie Jarrett, a White House senior advisor to Obama.

Simmons and Jarrett also sit on the board of a dubious Chicago Civic Organization.

Van Jones sits on the board of ShoreBank and is one the marketing directors for “green” projects.

He also holds a senior advisor position for black studies at Princeton University.

You will remember that Mr. Van Jones was appointed by Obama in 2009 to be a Special Advisor for Green Jobs at the White House.

He was forced to resign over past political activities, including the fact that he is a Marxist.

Al Gore was one of the smaller partners to originally help fund the CHICAGO CLIMATE EXCHANGE.
He also founded a company called Generation Investment Management (GIM) and registered it in London, England.

GIM has close links to the UK-based Climate Exchange PLC, a holding company listed on the London Stock Exchange.

This company trades Carbon Credits in Europe (just like CXX will do here) and its floor is run by Goldman Sachs.

Along with Gore, the other co-founder of GIM is Hank Paulson,

the former US Treasury Secretary and former CEO of Goldman Sachs.

His wife, Wendy, graduated from and is presently a Trustee of Wellesley College.

Yes, the same college that Hillary Clinton and Jan Piercy, a co-founder of Shorebank attended. (They are all friends.)

Interesting? And now the closing…

Because many studies have been exposed as scientific nonsense,

people are slowly realizing that man-made global warming is nothing more than a money-generating hoax.
As a result, Obama is working feverishly to win the race.

He aims to push a Cap-and-Trade Carbon Tax Bill through Congress and into law.

Obama knows he must get this passed before he loses his majority in Congress in the November elections.

Apart from Climate Change he will “sell” this bill to the public as generating tax revenue to reduce our debt.

But, it will also make it impossible for US companies to compete in world markets and drastically increase unemployment.

In addition, energy prices (home utility rates) will sky rocket.

But, here’s the KICKER (THE MONEY TRAIL).

If the bill passes, it is estimated that over 10 TRILLION dollars each year will be traded on the CXX exchange.

At a commission rate of only 4 percent, the exchange would earn close to 400 billion dollars to split between its owners,

all Obama cronies. At a 2 percent rate, Goldman Sachs would also rake in 200 billion dollars each year.

But don’t forget SHOREBANK. With 10 trillion dollars flowing though its
ccounts,

the bank will earn close to 40 billion dollars in interest each year for its owners (more Obama cronies), without even breaking a sweat.

It is estimated Al Gore will probably rake in 15 billion dollars, just in the first year.

Of course, Obama’s “commissions” will be held in trust for him at the Joyce Foundation.

They are estimated to be over 8 billion dollars by the time he leaves office in 2013, if the bill passes this year.

Of course, these commissions will continue to be paid for the rest of his life.

Some financial experts think this will be the largest “scam” or “legal heist” in world history.

Obama’s cronies make the Mafia look like rank amateurs.

They will make Bernie Madoff’s fraud look like penny ante stuff.

Technorati Tags: bailout, billion dollars, business borrowers, cronies, cxx, david crockett, election campaign, interesting story, joyce foundation, kean, litmus tests, lumber industry, mail, micro loans, panel manufacturing, private rescue, radical environmentalists, senate campaign, solar panel, sub prime mortgages

I received a notification in the mail that my wages are being garnished by a credit card company, for an outstanding debt. I cannot afford for this to happen because I am a single mother of my daughter. How much or what percentage can be garnished? I live in Maryland. I read on a website that they can take all but 0 of my check a month. Is this true? I am currently unemployed but I have had numerous job interviews. I assume that once I become employed my wages would be garnished immediately. I am thinking of filing bankruptcy because I have other credit card companies that will be coming after me for money that I do not have. I heard bankruptcy can be filed online to save money for a lawyer. I do not have money to pay a lawyer. PLEASE HELP!
Yes, I did have a court date but I did not go because I knew I owed the money and I did not have the money for a lawyer.
I’m afraid if I don’t file bankruptcy I will have no money left to raise my daughter. I owe about 00 to different credit card companies. Can they all garnish me at one time? If so, I may not have enough money to get my daughter what she needs.
thank you so much for your responses. It is a huge weight lifted off of my shoulder. So you think I should not file for bankruptcy? How long do you believe it would take me to pay off the 00 debt? Once it is paid off, will my credit go back up, with time? I have a car loan but it is on time.

Technorati Tags: car loan, credit card companies, credit card company, enough money, filing bankruptcy, job interviews, lawyer, mail, single mother, wages

My husband received a bill the other day in the mail for 2 hospital bills from 2002 and 2003. They were before our bankruptcy and we didn’t file these as main creditors on our bankruptcy. Can they legally try to collect on these two things or are all things covered once our bankruptcy was filed? Thanks for any info.

Technorati Tags: bankruptcy, creditors, hospital bills, mail

I recently received a notice in the mail that my landlord company has just filed chapter seven bankruptcy. When I asked one gentleman of the company, he said the police have all the papers and they have no records of my security deposit/rental agreement, etc, but the police do. The other gentleman of the company said that I would get my deposit within 30 days of move out. I gave my 30 days notice and did not pay my last month’s rent of 500 dollars for fear of never seeing my 600 security deposit. I’ll be moved into my new place by the end of the month. I talked to other tenants here, and they said we would all be lucky to see our money since they filed bankruptcy. I just want them to keep my security deposit and not pay my last month’s rent, and everything will be peachy, but would they sue or evict me and have a negative impact on my credit and rental history? I’ve never had a late payment. Please help if you can. Thank you for your time!

Technorati Tags: bankruptcy, chapter seven, fear, gentleman, landlord company, mail, money, negative impact, rental agreement, rental history, security deposit

i do my taxes online by a site that is accredited by my state. they ask questions and i answer and put in numbers. then i print them out and send them in the mail.

is there a site that would just ask me questions and fill in the papers so i can print them and file them myself
the tax places let you print out a copy of your taxes before you pay but have a watermark on them. i print out my own blank forms and just copy the info on them to avoid the watermark

Technorati Tags: mail, watermark

Bankruptcy is the root of all injustice. When someone can finance 0,000 for a house, file bankruptcy, and then continue living in the house scott-free, there’s something wrong with our government.

I’m a FIRM believer than bankruptcy shouldn’t exist. I’d rather receive someone’s detached arm in the mail as compensation for unpaid bills than a government issued judgment against that person, or bankruptcy papers. Because both mean the same thing: you get nothing.

Bankruptcy is truly the most gross example of injustice in the United States and people do it multiple times in their lifetime. Nothing good can come from bankruptcy. What are you thoughts?
By the way, the "injustice" I’m referring to is to the people who have loaned that person money. If you are considered an "unsecured loan", it’s about a 99/100 chance you’ll get absolutely nothing. If you are a "secured loan", in which only home mortgages and car loans can be, you will get your money though it will take forever. Finally, the lawyer who performed the bankruptcy gets 100% of his fee. Where’s the justice in that?

Bob Zoo down the street who loaned John Doe 00 to get a new car, and even had John sign a promissary note now gets absolutely nothing due to the bankruptcy, and is out 00, AND John Doe gets to keep his car.

WHERE IS THE JUSTICE?
slimick, there were no incorrect assumptions. I don’t know what state, country or planet you live on, but here in Arkansas that’s the way it works. I’ve done my homework. I know who gets paid, who doesn’t, and why. Unfortunately your response had nothing to do with anything I was talking about. You just wanted to hear yourself talk about medical issues. Great job there in the relevance category. Not.
And you’re right. I don’t care about Enron. I care about the little guy. The little guy who owes people money and files bankruptcy. Money or an arm. It’s that simple. Or I’m gonna take it out of their ass.
At crazyjes… yawn. Too much to read, too ridiculous. Who cares about what companies do, I’m talking about people vs. people. Never seen Goodfellas. Not a collection agency agent. Just a regular ole Joe Blow who’s been screwed too many times by people, whilest people like you sit there and defend the unjust bankruptcy system that lets them get away with it. I certainly hope someone screws you out of money so you can be on the receiving end of bankrupty. It’s such a nice feeling.

Oh, and as for your hypothetical woman with so many kids who had to file bankrupty, well she should have thought about that before she married the first guy she met in high school, and then quit school to have four kids. Yeah. She did it to herself out of stupidity. I want her money too if she owes it to me. It’s like that. Justice for Justice. Money for Money. None of this, "I charge up stuff and not pay it." Totally unjust. The laws should be changed. People should be shot for this.

Technorati Tags: bankruptcy papers, car loans, firm believer, home mortgages, homework, incorrect assumptions, injustice, john doe, judgment against, mail, medical issues, multiple times, new car, person money, promissary note, relevance, secured loan, unpaid bills, unsecured loan, yawn

I got my discharge in the mail at the end of Febuary 09′ , I paid 00.00 for this bankruptcy.

It is now April 09′ and received a collection letter from Hudson & Keyse , should I mail or fax this to the law firm that handled my bankruptcy ?

Or after my Meeting of Creditors or after receiving my discharge , they are no longer able to help me?

If this "debt" that I got a letter about was included in my Bankruptcy isn’t it the Bankruptcy attorney / law firms responsibilty to deal with this collection letter ?

If this debt was discharged ,is there any legal action I could take against this collection agency ? Would any lawyer want to sue them,the lawyer could keep all the money I don’t care ?I just want them to pay for harrassing me.

Should I email the collection agency ? Or just send a letter ?

Technorati Tags: amp, attorney law, bankruptcy attorney, law firms, lawyer, mail, meeting of creditors, money

I got my discharge in the mail at the end of Febuary 09′ , I paid 00.00 for this bankruptcy.

It is now April 09′ and received a collection letter from Hudson & Keyse , should I mail or fax this to the law firm that handled my bankruptcy ?

Or after my Meeting of Creditors or after receiving my discharge , they are no longer able to help me?

If this "debt" that I got a letter about was included in my Bankruptcy isn’t it the Bankruptcy attorney / law firms responsibilty to deal with this collection letter ?

If this debt was discharged ,is there any legal action I could take against this collection agency ? Would any lawyer want to sue them,the lawyer could keep all the money I don’t care ?I just want them to pay for harrassing me.

Should I email the collection agency ? Or just send a letter ?

Technorati Tags: amp, attorney law, bankruptcy attorney, law firms, lawyer, mail, meeting of creditors, money

474 Things To Do When You’re Bored
- Wax the ceiling
- Rearrange political campaign signs
- Sharpen your teeth
- Play Houdini with one of your siblings
- Braid your dog’s hair
- Clean and polish your belly button
- Water your dog…see if he grows
- Wash a tree
- Knight yourself
- Name your child Edsel
- Scare Stephen King
- Give your cat a mohawk
- Purr
- Mow your carpet
- Play Pat Boone records backwards
- Vacuum your lawn
- Sleep on a bed of nails
- DON’T toss and turn
- Boil ice cream
- Run around in squares
- Think of quadruple entendres
- Speak in acronyms
- Have your pillow X-rayed
- Drink straight shots…of water
- Calmly have a nervous breakdown
- Give your goldfish a perm
- Fly a brick
- Play tag…on West 35th Street
- Exorcise a ghost
- Exercise a ghost
- Be blue
- Be red
- But don’t be orange
- Plant a shoe
- Sweat
- Give a Rorschach test to your gerbil
- Turn
- Write a letter to Plato
- Mail it
- Take your sofa for a walk
- Start
- Stop
- Dial 911 and breathe heavily
- Go to a funeral…tell jokes
- Play the piano…with mittens on
- Scheme
- Sit
- Stay
- Water your family room
- Cause a power failure
- Roll over
- Play dead
- Find a witch
- Burn her
- Donate your brother’s body to science
- Ask why
- Wriggle
- Regress
- Sleepwalk without sleeping
- Try to join Hell’s Angels by mail
- Wonder
- Be a square root
- Ask stupid questions
- Weld your car doors shut
- Spew
- Vacation at Three-Mile Island
- Surf Ohio
- Teach your pet rock to play dead
- Go bowling for small game
- Be a monk…for a day
- Wear a sweatband to your wedding
- Staple
- Run away
- Intimidate a piece of chalk
- Abuse the plumbing
- Bend a florescent light
- Bend a brick
- Annoy total strangers
- Let the best man win
- Believe in Santa Claus
- Throw marshmallows against the wall
- Hold an ice cube as long as possible
- Adopt strange mannerisms
- Blow up a balloon until it pops
- Sing soft and sweet and clear
- Sing loud and sour and gravely
- Open everything
- Balance a pencil on your nose
- Pour milk in your shoes
- Write graffiti under the rug
- Embarrass yourself
- Grind your teeth
- Chew ice
- Count your belly button
- Sit in a row
- Stack crumbs
- Gesture
- Save your toenail clippings
- Make a pass at your blender
- Punt
- Make up words that start with X
- Make oatmeal in the bathtub
- Search for the Lost Chord
- Chew on a sofa cushion
- Sing a duet
- Balance a pillow on your head
- Hold your breath
- Faint
- Stretch
- Flash your mailman
- Teach your TA English
- Learn to speak Farsi
- Swear in Russian
- Use an eraser until it goes away
- Disassemble your car
- Put it together inside out
- Record your walls
- Interview your feet
- Make a list of your favorite fungi
- Sell formaldehyde
- Repeat
- Ad lib
- Fade
- File your teeth- Whine
- Rake your carpet
- Re-elect Richard Nixon
- Critique "Three’s Company"
- Listen to a painting
- Play with matches
- Buff your cat
- Race ferrets
- Paint your house…Day-Glow Orange
- Have a formal dinner at White Castle
- Read Homer in the original Greek
- Learn Greek
- Change your mind
- Change it back
- Watch the sun…see if it moves
- Build a pyramid
- Stand on your head
- Stand on someone else’s head
- Spit shine your Nikes
- See how long you can stay awake
- See how long you can sleep
- Paint your teeth
- Wear a salad
- Speak with a forked tongue
- Paint stripes on a lake
- Ski Kansas
- Sleep in freefall
- Kill a Joule
- Test thin ice…with a pogo stick
- Apply for a unicorn hunting license
- Do a good job
- Crawl
- Invite the Mansons over for dinner
- Paint your windows
- Watch a watch until it stops
- Flash your goldfish
- Paint
- Flirt with an evergreen
- Smile
- Rotate your garden…daily
- Paint a smile
- Shoot a fire hydrant
- Apologize to it
- Pretend you’re blind
- Annoy yourself
- Get mad at yourself
- Stop speaking to yourself
- Be a side effect
- Ride a bicycle…up Mt. McKinley
- Duck
- Redecorate…your garage
- Develop a complex
- Join the Army…be someone simple
- Try harder
- Hit the deck
- Put leg-warmers on your furniture
- Cut the deck
- Crumple
- Translate Shakespeare into English
- Skydive to church
- Cheer up a potato
- Do aerobic exercises…in your head
- Play cards with your swimming pool
- Pinstripe your driveway
- Play Kick the Fire Hydrant
- Harness chipmunk power
- Build a house with ice cubes
- Call London for a cab
- Mug a stop sign
- Change your name…daily
- Go for a walk in your attic
- Challenge your neighbor to a duel
- Build a house out of toothpicks
- Howl
- Wear a lampshade on your head
- Memorize the dictionary
- Stomp grapes in the bathtub
- Find a bug and chase it
- Make yourself a pair of wings
- Be immobile
- Dance ’til you drop
- Check under chairs for chewing gum
- Squish a loaf of bread
- Moo
- Bounce a potato
- Outmaneuver your shadow
- Climb the walls
- Appreciate everything
- Challenge yourself to a duel
- Make napalm
- Tattoo your dresser
- Watch a bowling ball
- Buy some diapers
- Eat everything
- Begin
- Pour milk in the sink
- Make cottage cheese
- Tie-dye your sheets
- Carpet your ceiling
- Hold your earlobes
- Fold your earlobes
- Flap
- Squawk
- Read tea leaves
- Analyze the Koran
- Be Buddha
- Award yourself a Nobel Peace Prize
- Plug in the cat
- Turn on everything
- Drop pebbles down the chimney
- Turn off your neighbor
- Kill a plant
- Buy a 1931 Almanac
- Memorize the weather section
- Think lewd thoughts about yourself
- Blow bubbles
- Send chills down your spine
- Peel grapes
- Make paper from the skins
- Bloat
- Catch them with your radiator
- Get run over by a train of thought
- Make up famous sayings
- Bite your pinkie- Get your dog braces
- Shave a shrub
- Have a proton fight
- Watch a car rust
- Quiver
- Rotate your carpet
- Learn to type…with your toes
- Set up your Christmas tree in April
- Be someone special
- Buy the Brooklyn Bridge
- Mail it to a friend
- Go back to square one
- Factor your social security number
- Take the fifth
- Memorize a series of random numbers
- Read the 1962 Des Moines white pages
- Join the Foreign Legion
- Learn Sanskrit
- Exist…existentially, of course
- Print counterfeit Confederate money
- Kick a cabbage
- Take a picture
- Put it back
- Sandpaper a mushroom
- Play solitaire…for cash
- Abuse your patio furniture
- Run for Pope
- Count to a million…fast
- Make a schematic drawing…of a rock
- Commit seppuku…with a paper knife
- Revert
- Think shallow thoughts
- Starch your shoes
- Polish your Calvin’s
- Contemplate a cockroach
- Get a dog to chase your car
- Let him catch it
- Investigate the Czar
- Form a political party
- Climb a sidewalk
- Have a political party
- Get diagonal…with a good friend
- Ride a loaf of bread
- Sharpen a carrot
- Interrogate a gerbil
- Go bow hunting for Toyotas
- Kidnap Cabbage Patch Kids
- Jump back
- Play to lose
- Scalp a street light
- Have your car painted…plaid
- Read a tomato
- Sharpen your sleeping skills
- Watch a game show…take notes
- Put out a fire
- If you can’t find a fire, make one
- Interview a cloud
- Play tiddlywinks…go for blood
- Play basketball…in a minefield
- Don’t talk to things
- Draw Lewis structures on your ceiling
- Have your cat bronzed
- Have your gerbil gilded
- Write books about writing books
- Create random equations
- Mispell words
- Tell your feet a joke
- Throw a tomato into a fan
- Sing the ABC song backwards
- Pretend you’re a dog
- Dial-a-prayer and argue with it
- Grease the doorknobs
- String up a room
- Stack furniture
- Relive fond memories
- Tie your shoelaces together
- Gargle
- Count your teeth with your tongue
- Decay
- Find your half-life
- Design a better toilet seat
- Shred a newspaper
- Have a headache
- Scratch
- Sniff
- Hatch an egg
- Play air guitar
- Act profound
- Spill
- Spell
- Stare
- Truncate
- Slouch
- Develop hearing problems
- Put your feet behind your head
- Tie bows in everything
- Hold your hand
- Watch the minute hand move
- Grow your fingernails
- Pretend you’re a telephone
- Ring
- Radiate
- Skip
- Play hopscotch…with real scotch
- Clock the velocity of your REMs
- Put your shoes on the opposite feet
- Cross your toes
- Roll your tongue
- Crystallize
- Baby oil the floor
- Hide
- Attack innocent bunnies
- Declare war
- Destroy a tree
- Hide the scrabble bag
- Seduce your stick shift
- Wink
- Memorize the periodic table
- Mummify
- Pretend you’re a roadie
- Buy a Ginsu knife
- Collect electrons
- Correct typos that aren’t there
- Polish your neck…use Pledge
- Recopy the Bible substituting your name for God
- Loosen the lug nuts on your dad’s new car
- Drop your cat off the roof to see if it lands on all four feet
- Count the bags under Walter Mondale’s eyes
- Unscrew all the lightbulbs and rearrange the furniture
- Found the Jim Jones School of Bartending
- Listen for non-satanic messages (i.e. "Drink milk")
- Dress like Motley Crue…surprise your grandmother
- Dial-a-Prayer and tell them they’re wrong
- Go into a bar and ask for a Molotov Cocktail
- Learn everything there is to know about the Holy Roman Empire
- Make a drive-in window at your local bank where there wasn’t one before
- Walk on water…but don’t get caught
- Confess to a crime…that didn’t happen
- Be in the wrong place at the right time
- Plot the overthrow of your local School Board
- Request covert assistance from the CIA
- Discover the source of the Mississippi
- Search for buried treasure…in Nebraska
- Hot wax the bottom of your brother’s dress shoes
- Preach the philosophy of Marx…Groucho, that is
- Drink as much prune juice as you can
- Write a book about your previous life
- Serve ping-pong balls…as hors d’oeuvres
- Jump up and down…on your alarm clock
- Make a quilt out of used cocktail napkins
- Sterilize your stereo…with Jack Daniels
- Carve you and your girlfriend’s initials…in a marshmallow
- Drive the speed limit…in your garage
- Sing the national anthem…during your calculus final
- Wear a three-piece suit…in a sauna
- Pay off the national debt…with a bad check
- Go to a cemetary and verbally abuse dead people
- Give yourself a hernia…for Christmas
- Defend your neighborhood from roving Mongol hordes
- Recite romantic poetry…to your toaster
- See if you really can build a nuclear device in your own basement
- Go to McDonald’s and pretend you can’t speak English
- Write to your congressmen, senators, President, etc. to tell them what a good
- job they’re doing…On April 1st
- Find the heat capacity of your chemistry professor
- Take apart all your major kitchen appliances…mix and match them
- Turn your TV picture tube upside down
- Phone in a death threat on President Kennedy
- Put lighted EXIT signs on all your closets
- Carry a tune…drop it, see if it breaks
- Be planar…but don’t tell your parents
- Play hockey with your little cousin…as the puck
- Make a deal with the devil…but keep your fingers crossed
- Put instant concrete in your big brother’s waterbed
- Give a lecture on the historical significance of cream cheese
- Debate politics with a fern
- See how small you can scrunch your face- Sell firewood door to door…in Atlantis
- Found the TLO (Toledo Liberation Organization)
- Play nuclear chicken with a small third world nation
- Raise professional certified racing turnips
- Give your grandmother a raise and another day of paid vacation
- Lead an aerobics class…for patients of the I.C.U.
- Go to a drive-in movie in a tank
- Go to a non-drive-in movie in a tank and drive in anyway
- Send President Reagan an alarm clock…wind it up first
- Found a cockroach stable and stud ranch
- Send your goldfish to obedience school
- Free the oppressed toasters of America
- Weave a tablecloth out of copper tubing
- Give your cat a suntan…in the microwave
- Park your car…with a friend
- Park your car…with a group of friends
- Frame your first statement of bankruptcy
- Place it on the wall of your office
- Solve the population problem (x^2 + y^2 = population…solve for x)
- Contribute to the population problem
- Wear a T-shirt that says "I’ll walk on you to see The Who" and a peace sign
- Practice the Aztec method of heart removal on your professor
- Find out who made the super glue commercials and give them your Ginsu knife
- Get Ronco and K-tel to merge…they sell the same stuff anyway
- Sneak into a nuclear physics lab and stay the night
- Play with anything that looks interesting
- Drop piston engines on two people and see who squishes first
- See if your goldfish can live in Coors rather than water
- Try to ignite water…the Mississippi might work
- Draw Venn diagrams…screw them up
- State fallacies as fact (like, "peanuts grow on bushes")
- Visit the Architecture building…loudly criticize its design
- Make a schematic drawing…of a rock
- Wallpaper your laundry room…with pages from books you don’t like
- See if diamonds really do cut glass…on everything in your neighbor’s house
- Tenderize your tongue…chew on it for a while
- See how long you can stare at a fluorescent light…try green
- Bronze your sister’s turtle
- See how long it takes for her to notice
- See what she does when she notices
- Bronze your sister- If you lose, stop watering it and try again.
- Increase your territorial holdings by force
- Find out how many ways there really are to skin a cat
- Boldly go where no man has gone before
- Be a threat to the American way of life
- Do research into the cause of World War III
- Be a threat to the Northwestern Tibetan way of life
- Re-establish the Roman Empire…in Pittsburgh

Technorati Tags: bed of nails, car doors, dial 911, edsel, florescent light, hell s angels, island surf, mail, mannerisms, nervous breakdown, orange plant, pat boone, pet rock, political campaign signs, rorschach test, sleepwalk, small game, straight shots, sweatband, toss and turn

Is it ok to surrender my car back to the bank before my Chapter 7 Bankruptcy is finalized? I’ve already attended the hearing, I am expecting a successful Chapter 7 release soon but not sure exactly what date, I have the car listed on my Debtors Statement of Intention as "Surrender", the next car payment is due this Saturday, I don’t have the money to pay it, will I jeapordize my Chapter 7 release by surrendering the car back to the bank now, should I wait until my release arrives in the mail, or does the timing of this not really make a difference?

Technorati Tags: car payment, chapter 7 bankruptcy, debtors, mail, money, statement of intention

Our loan was in a "modification" with the mortgage company and we were late on the payments. We sold one of our trucks on Friday for 00.00 to pay the 2 months behind and today we got the letter in mail saying they were continuing foreclosure proceedings.
We called and they said we don’t make enough, but we do so they are working on something, but I have a bad feeling that they are stalling. I want to sell the house, but my boyfriend does not want to. Our home is worth more than we refinanced for, but will be hard to sell quickly. Our credit is terrible and our score is very low. What about filing for bankruptcy or trying to sell fast..before foreclosure starts again?
I don’t think we can do much to get out of the mess we’re in.
(we missed the payments because a/c broke..we live in florida and have new baby so we had to buy window units.)

Technorati Tags: amp, filing for bankruptcy, foreclosure proceedings, mail, mortgage company, new baby, score, trucks

I recieved a notification in the mail that stated my wages would be garnished by a credit card company. I am currently unemployed but will be employed soon. I know they can garnish about 25% of my wages when I become employed. I owe to more than one credit card company. I owe in total about 00 to different credit card companies. Should I file bankruptcy? If not, how long will it take to have the 00 paid through garnishment?
Also I have a car loan that is completely up to date and the payments are on time. Will this eventually help me bring my credit back up?

Technorati Tags: car loan, credit card companies, credit card company, garnishment, mail, should I file bankruptcy, wages