Bankruptcy Filing Tips

Illegal to refuse a refund?

I have a small computer repair shop. I operate on tight tight finances and my policy has always been that any hardware sold has a 30 day replacement or repair warranty, and there is no warranty on software. I have had many happy customers buy computers from me and have computers repaired with me. I only accept cash, because there is no chargeback risk as with credit cards or checks. Recently I had a customer purchase a laptop from me, bring it back and say she is not happy with it. Claims it will not play video games her son wants to play on it. I told her it is not powerful enough. (Not enough ram or processor speed). There is nothing wrong with the computer. I can’t afford to refund her but she claims its illegal to not refund money. I kicked her out but today I got a summons to appear in court for she is suing my business. I did nothing illegal here, how can she sue?

How can she sue? By not agreeing with your conclusion that there was nothing wrong with the computer. Whether she can win a lawsuit is another question. No law requires any sort of warranty beyond the implied warranties of fitness of merchantability. If the computer works, you have satisfied your implied warranty. You seem to have given an absolute warranty of 30 days, but with a limited remedy. The law in most places allows that.
She has no greater right to cancel the sale than you have to go to her home and demand a return of the computer.

Credit Repair Business Software by DisputeSuite Live Review

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After disputing items on your Credit report , How long does it take for your score to change?

I have a credit score of 561 and I need at least a 580 to be able to get into a HUD and FHA programs. I have hired a credit repair company, that has sent letters to all three credit agencies disputing the items on my credit report. They have 30 days to respond and I’m on day 18 wondering if things work out to my favor and some of those things on my credit report come off. How many more points will I get and how long will it take? Keep in mind I really only need 19 more points. I have also been paying at least a $100 a month on my credit cards to get the balance down.

You can use credit repair agency, for example this one – http://creditreport.fateback.com
They will dispute lots of bad stuff from your credit report – and do it much faster and effectively than yourself, so your credit will go up fast.

About Credit Repair

What is the best way to blend incomes and living expenses in a second marriage without hurting one another?

Each has separate financial accounts from day 1 of marriage.
One party has everything major in their name- ie. house, utilities,etc. the other does not.
Each party pays their own bills they make. ie credit cards, medical insurance, car insurance, etc..
Each party has a child each to finish supporting (college-age and high school)
Living expenses incurred to pay – house payment, all utilities, car payments, taxes, home insurance, home repairs, home appliance replacements, groceries, etc…. -
So, Who should pay – Split 50/50 or delegate which is to pay which ?

Having everything split in half and separate accounts will most likely lead you to no where in the long run.

You need to have only joint household budget and bank account – where each person contribute into your joint goals. But still have separate accounts for personal expenses.

There is a good article in Money magazine a couple of month ago regarding this topic, http://money.cnn.com/2008/06/02/pf/spouse_money.moneymag/index.htm Hope it is helpful to you.

Best wishes.

SM Appliance Baguio’s Xmas credit

settle debt in cali..2300 with midland credit should i settle with original creditors? need to repair credit?

trying to buy a home need to repair credit I owe about 4000 in collections what program or letter and how much% should i pay to collection agency or should i contact “original”creditors and pay them?.and will the collection agency stop reporting?..help need it fix in 30 to 60 days

This is a tricky matter so be careful..
- Don’t tell anyone that you’re trying to clear your credit to qualify for a new mortgage…if you do they’ll use this info against you to extort a maximum settlement
- If a 3rd party debt collector has your debt, then you need to pay them.
- Midland is a HORRIBLE collection agency…proceed with extreme caution. Renewing contact with debt collectors about old debts can stir up a lot of trouble.
- Charged-off debt will stay on your credit report for 7 years, even if you pay off the debt in full

When a credit card is charged-off as bad debt, you need to understand that the damage to your credit is already done and there is no undoing it. If you’re applying for a new mortgage though, they’ll want to see all bad debts paid off.

If you’re going to pay off old-charged-off debt anyway, then you might as well negotiate the lowest, rock bottom settlement you can possibly get, being that the negative charge-off notation is going to stay for 7 years on your credit report, regardless of whether the charge-off is paid or unpaid. …Offer 25%. Mail them a vaguely worded statement like:

I am willing to settle this matter for 25% of the original amount. This is in no way an admission of this debt, but rather an attempt to settle this matter. Your firm must send me a written agreement on your company’s letterhead that you will accept this amount as “payment in full” and that is issue will be settled. Upon receipt of this agreement, I will mail you a money order for this amount.

United Credit Education Services Credit Repair Program

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