<![CDATA[V.C. Higuera - Yahoo! Voices]]> en-us Copyright 2012 voices.yahoo.com http://blogs.law.harvard.edu/tech/rss Sun, 12 Feb 2012 15:06:39 EDT http://l.yimg.com/ck/siteimg/PP-voices.jpg http://voices.yahoo.com/ Voices <![CDATA[3 Ways to Avoid Being Sued by a Creditor]]> Late payments, collection letters and harassing phone can keep you on edge. Ignoring creditors has lasting consequences. But you can dodge any legal troubles and opening the lines of communication with your creditors.

Contributor: V.C. Higuera
Published: Nov 21, 2011

]]> http://voices.yahoo.com/3-ways-avoid-being-sued-creditor-10457711.html <![CDATA[How to Write a Letter Requesting a Mortgage Forbearance]]> Getting kicked out of your house due to nonpayment of your home loan ruins your credit score and complicates your living situation. Rather than lose your home, work with your lender to obtain a mortgage forbearance.

Contributor: V.C. Higuera
Published: Nov 17, 2011

]]> http://voices.yahoo.com/how-write-letter-requesting-10440157.html <![CDATA[Mortgage Down Payments: FAQ's]]> The majority of lenders no longer offer no money down mortgages. Therefore, anyone applying for a home loan must be able to afford a downpayment. Down payment amounts vary. Understand the importance of down payments and learn ways to save your money.

Contributor: V.C. Higuera
Published: Nov 10, 2011

]]> http://voices.yahoo.com/mortgage-down-payments-faqs-10401479.html <![CDATA[Breaking a Rental Lease: Do's and Don'ts]]> Landlords aren't quick to terminate rental leases early. Signing a lease obligates you to remain in the home or apartment for a 12-month period. Moving out early can have serious financial consequences. But the right approach can avert problems.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/breaking-rental-lease-dos-donts-10311873.html <![CDATA[Remove Collection Accounts from Credit Report]]> Collection accounts can pop up on your credit report after you ignore a credit card balance or other bill for three months. The original creditor gives up on collection attempts, and then sells the debt to a third-party debt collection agency.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/remove-collection-accounts-credit-10312001.html <![CDATA[Refinance Your House and Avoid PMI]]> Private mortgage insurance can add several hundred dollars to your mortgage payment; and if you refinance your mortgage to reduce your payment, paying PMI premiums can cripple your plans. Learn about PMI and then discover ways to avoid this extra expense.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/refinance-house-avoid-pmi-10310489.html <![CDATA[Use a Cosigner to Rent an Apartment]]> Young adults are usually eager to move into their own apartment and exert a little independence. However, lack of credit or rental history can slow down these plans because apartment complexes often check credit reports before approving an applicant.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/use-cosigner-rent-apartment-10310591.html <![CDATA[Getting a Low Interest Car Loan]]> The rate you pay on your auto loan determines your monthly car note for the next three, four or five years. Qualify for a low-rate auto loan and you can successfully reduce your monthly payment.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/getting-low-interest-car-loan-10298969.html <![CDATA[Negotiate a Deed-in-Lieu of Foreclosure]]> Relieving mortgage payment issues before your lender foreclosures can reduce credit damage. When your options are few and you fear foreclosure, talk to your lender about a deed-in-lieu of foreclosure.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/negotiate-deedinlieu-foreclosure-10306225.html <![CDATA[Establishing a Financial Budget]]> Being financially independent and achieving financial goals call for outlining a personal budget and sticking with this budget.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/establishing-financial-budget-10299033.html <![CDATA[Payoff Mortgage Sooner with a Bi-Weekly Schedule]]> Some homeowners cringe at the idea of paying on a mortgage loan for 30 years. Simply adjusting the frequency of mortgage payments can not only save borrowers in interest payments, but reduce the home loan term.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/payoff-mortgage-sooner-biweekly-10298819.html <![CDATA[Buy a House After a Deed-in-Lieu]]> Although a deed-in-lieu of foreclosure doesn't damage your credit score as much as a home foreclosure, it can take a minimum of two years before you're able to qualify for a new mortgage loan.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/buy-house-after-deedinlieu-10306327.html <![CDATA[Using Your Rental History to Build Credit]]> Building credit is challenging if you don't have a credit card or loan in your name. But if you rent an apartment or house, you might be able to use your good rental history to establish a credit history.

Contributor: V.C. Higuera
Published: Oct 31, 2011

]]> http://voices.yahoo.com/using-rental-history-build-10298915.html <![CDATA[What to Do If a Mortgage Lender Rejects Your Application?]]> Many home buyers believe that they have what it takes to qualify for a home loan. To their surprise, a lender may reject their application. A mortgage rejection isn't the end, and borrowers can get approved despite a prior rejection.

Contributor: V.C. Higuera
Published: Oct 25, 2011

]]> http://voices.yahoo.com/what-if-mortgage-lender-rejects-10252349.html <![CDATA[How to End an Auto Lease Early]]> Looking for a way to end your car lease without penalty? Consider tips for terminating a lease agreement early

Contributor: V.C. Higuera
Published: Apr 26, 2010

]]> http://voices.yahoo.com/how-end-auto-lease-early--5908758.html <![CDATA[How to Eliminate Credit Card Debt]]> Consider different ways to improve your finances and eliminate credit card debt.

Contributor: V.C. Higuera
Published: Apr 22, 2010

]]> http://voices.yahoo.com/how-eliminate-credit-card-debt-5887028.html <![CDATA[How to Get a Loan to Start a New Business]]> Need a loan to start you new business venture? Consider ways to improve your chances of getting a bank loan.

Contributor: V.C. Higuera
Published: Apr 22, 2010

]]> http://voices.yahoo.com/how-loan-start-business-5887014.html <![CDATA[Ways to Get a Mortgage Loan After Foreclosure]]> Ready to buy a home after a foreclosure? Consider tips to help you get approved.

Contributor: V.C. Higuera
Published: Apr 16, 2010

]]> http://voices.yahoo.com/ways-mortgage-loan-after-foreclosure-5844420.html <![CDATA[How to Consolidate Your Debts and Simplify Your Finances]]> Learn simple and fast ways to consolidate debt.

Contributor: V.C. Higuera
Published: Apr 16, 2010

]]> http://voices.yahoo.com/how-consolidate-debts-simplify-5844402.html <![CDATA[Get New Credit After a Bankruptcy - Reestablish Credit After Bankruptcy]]> Tips and methods to help you get credit after a bankruptcy discharge.

Contributor: V.C. Higuera
Published: Apr 16, 2010

]]> http://voices.yahoo.com/how-credit-after-bankruptcy-5844394.html