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Financial Truth is a segment that gives precise real estate and mortgage information based on reality. It is hosted by Erica Harper, Mortgage Guru for more than 12 years. It is co hosted by Tamara Taylor who is a Realtor with ERA Woody Hogg and Lowell Thomas, President and CEO of Franchise Properties.
Date / Time: 9/16/2009 8:13 PM UTC
Identity Theft is when someone steals your name, contact information, & other personal information to commit fraud or other crimes. Identity theft is claims over 9 million victims a year for the past 2 years, and the number of cases have increased by 22% from 2007 to 2008. It is the leading complaint for 5 years in a row reported to the FTC. No one is safe from identity theft. It is important to know that identity theft does not just affect your financial transactions but the 5 major types of identity theft is
37% of victims experienced problems beyond the time they spend recovering their out of pocket expenses. The problems include being harassed by debt collectors, unable to use existing credit cards, subjected to criminal investigations or civil suits, being arrested, or having difficulty accessing bank accounts. Almost a quarter of victims do not know their information has been taken until almost 6 months later. Identity theft is no longer an action from someone stealing your wallet or pulling your information from the trash can, but obtaining your information from the internet. Beware of phising sites, intranets that are left unattended at employers, ATM machines, and usage of phones outside of landlines. The best way to protect yourself from identity theft is to obtain a service that will monitor your credit report, that will provide you with copies of your credit report, and will work on your behalf with restoring your identity if it was every compromised. I found a company that will do just that go to www.prepaidlegal.com/ericaharper where you can find out more about identity theft and their services. You may also email me at ericaharper@prepaidlegal.com or call me at (804) 868-8134.
Original Air Date: 9/16/2009 7:00 PM UTC
Original Air Date: 9/9/2009 1:00 PM UTC
Date / Time: 8/25/2009 4:47 PM UTC
Property Rehab Rule: "Buy cheap and sell high!" Rehabbing a property is fun and a great way to increase the value of a home. However there are some things that you must remember: Know your budget Know your exit stratergy Budget for unexpected repairs. BUILD A CUSHION! Get an inspection Never overpay for a property. DO YOUR RESEARCH! KNOW THE AREA, and VALUES. Make your property stand out on a broad spectrum Do not be afraid to walk away from a deal if the numbers do not work.
Original Air Date: 8/18/2009 7:00 PM UTC
Date / Time: 7/30/2009 9:12 PM UTC
Foreclosure is UGLY!! The foreclosure process is a scary and ugly situation for anyone to deal with, and right now it is a more common event. If you find yourself going through the foreclosure process do not feel defeated. Your mortgage company really does not want to take your home. They are not in the business to sell real estate. Their main objective is to get their payment. Due to the state of the economy a lot of options have been made available to you as a homeowner. Here are some options: Repayment Plan - this is when your mortgage company allows you to make a payment and a half for a set period of time. Loan Modification - this is a permanent change in the terms of your loan. It typically affects your interest rate and or your mortgage term. Forebearance - this when your lender suspends your payments for a set period of time or reduces your payments for a set period of time. Short Sale - this is when your lender agrees in the selling of your home for less than what you owe. These options can open other alternatives in helping you to keep your home and reviving your credit. Never avoid your lender. Call them and talk to them so that you let them know that you are serious about keeping your home. If you get a representative on the phone that doesn't want to work with you do not hesitate to request a manager. The government has given them money to help you. Your Financial Truth Host, Erica Harper
Original Air Date: 7/28/2009 7:00 PM UTC
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