Comments for Deluca & Associates http://www.deluca-associates.com Las Vegas Bankruptcy Attorney, Lawyer, Law Firm Sun, 05 Jun 2011 21:33:19 +0000 hourly 1 http://wordpress.org/?v=3.3.1 Comment on Stress Free Finance #8 by Patti Boekankamp http://www.deluca-associates.com/stress-free-finance-8/#comment-13 Patti Boekankamp Sun, 05 Jun 2011 21:33:19 +0000 http://www.deluca-associates.com/blog/?p=22#comment-13 I came across your show by accident and found it to be not only educational but inspiring. My question is about renting. My home is worth 120-150. I owe 168,000.00 plus 57,000.00 in home equity. I have completed a chapter 7 bankruptcy that has been discharged. I got a loan mod last August but due to a high accounts receivable and an injury along with a sagging economy, was unable to keep up. Since my bankruptcy the bank has again posted a trustee sale on my door. My plan was to do another loan mod. Since I now have a better understanding of what a loan mod entails, I feel that maybe I should walk away. My question is how do I research the rental market? I go on line and am bombarded with ads. I hear people say that a person can rent at a decent rate but it seems that rents are really high now due to demand. I have been a homeowner all my adult life and am now 56. I wouldnt mind renting a smaller place but since my income is down and my credit is shot I wonder if I would qualify for a rental. Of course I will not stay in this position but as for now if the sale does indeed go through I may have to make a decision fast. I would like to see a show and hear from you directly what the best advise for someone in my position is. Thank you for the sincerity that comes across in your show! I came across your show by accident and found it to be not only educational but inspiring. My question is about renting. My home is worth 120-150. I owe 168,000.00 plus 57,000.00 in home equity. I have completed a chapter 7 bankruptcy that has been discharged. I got a loan mod last August but due to a high accounts receivable and an injury along with a sagging economy, was unable to keep up.

Since my bankruptcy the bank has again posted a trustee sale on my door. My plan was to do another loan mod. Since I now have a better understanding of what a loan mod entails, I feel that maybe I should walk away.

My question is how do I research the rental market? I go on line and am bombarded with ads. I hear people say that a person can rent at a decent rate but it seems that rents are really high now due to demand. I have been a homeowner all my adult life and am now 56. I wouldnt mind renting a smaller place but since my income is down and my credit is shot I wonder if I would qualify for a rental. Of course I will not stay in this position but as for now if the sale does indeed go through I may have to make a decision fast. I would like to see a show and hear from you directly what the best advise for someone in my position is. Thank you for the sincerity that comes across in your show!

]]> Comment on Stress Free Finance #5 by Ronda Curtis http://www.deluca-associates.com/stress-free-finance-5/#comment-12 Ronda Curtis Mon, 16 May 2011 01:06:23 +0000 http://www.deluca-associates.com/blog/?p=16#comment-12 Mr. Deluca, I really enjoy the information you bring to the public in your show. I believe that a lot of people's problems could be resolved if instead of having this farce called "loan modifications" we had some law that would be implemented where the banks would write down the mortgages to be based on the current market value of the property. That way people would believe there is a good reason to fight to keep our homes. Instead, banks will not work with you, and force you into foreclosure, short sale, or bankruptcy. That property then gets sold to someone else...for the real market value, while another person is trying to put their life back together. The bank ends up with a loss regardless (which ends up being covered by insurance in most cases). It seems that if we gathered enough backing from the right people, we could force the banks to stop this madness, and help us get back on our feet again. People like you, who realize the reality of our situation need to gather enough attention to create the momentum our political representatives lack, to work for changes to help the quickly disappearing middle-class! Please don't stop what you are doing~ Ronda Curtis Mr. Deluca,
I really enjoy the information you bring to the public in your show. I believe that a lot of people’s problems could be resolved if instead of having this farce called “loan modifications” we had some law that would be implemented where the banks would write down the mortgages to be based on the current market value of the property. That way people would believe there is a good reason to fight to keep our homes. Instead, banks will not work with you, and force you into foreclosure, short sale, or bankruptcy. That property then gets sold to someone else…for the real market value, while another person is trying to put their life back together. The bank ends up with a loss regardless (which ends up being covered by insurance in most cases). It seems that if we gathered enough backing from the right people, we could force the banks to stop this madness, and help us get back on our feet again. People like you, who realize the reality of our situation need to gather enough attention to create the momentum our political representatives lack, to work for changes to help the quickly disappearing middle-class!
Please don’t stop what you are doing~
Ronda Curtis

]]> Comment on Stress Free Finance #1 by John http://www.deluca-associates.com/stress-free-finance-episode-1/#comment-9 John Wed, 27 Apr 2011 18:37:26 +0000 http://deluca-associates.com/blog/?p=4#comment-9 So what are your feelings regarding sending a Qualified Written Request (QWR) to the bank such as B of A. Letting a forensic document specialist inspect the documents, and then file a qualified title action in court. So what are your feelings regarding sending a Qualified Written Request (QWR) to the bank such as B of A. Letting a forensic document specialist inspect the documents, and then file a qualified title action in court.

]]> Comment on Stress Free Finance #4 by Anthony DeLuca http://www.deluca-associates.com/stress-free-finance-4/#comment-11 Anthony DeLuca Mon, 21 Mar 2011 18:13:50 +0000 http://www.deluca-associates.com/blog/?p=13#comment-11 The best way to get an accurate answer is to ask the financial lending institutions directly. Unfortunately, there is no answer that would be accurate for all. The best way to get an accurate answer is to ask the financial lending institutions directly. Unfortunately, there is no answer that would be accurate for all.

]]> Comment on Stress Free Finance #4 by Terri http://www.deluca-associates.com/stress-free-finance-4/#comment-10 Terri Sun, 20 Mar 2011 15:38:23 +0000 http://www.deluca-associates.com/blog/?p=13#comment-10 I know that student loans cannot be discharged in a bankruptcy? If I were to file bankruptcy, would it stop me from obtaining student loans in the future? I still have about two years left to finish and we are down to one income. The education is needed to transition into another field of employment. I know that student loans cannot be discharged in a bankruptcy? If I were to file bankruptcy, would it stop me from obtaining student loans in the future? I still have about two years left to finish and we are down to one income. The education is needed to transition into another field of employment.

]]> Comment on Stress Free Finance #1 by yolanda http://www.deluca-associates.com/stress-free-finance-episode-1/#comment-8 yolanda Sun, 06 Mar 2011 17:53:40 +0000 http://deluca-associates.com/blog/?p=4#comment-8 what would be a stable career choice for a 22 yr. old living in this city today. The casino is out of the question, because of health issues. Are their any? what would be a stable career choice for a 22 yr. old living in this city today. The casino is out of the question, because of health issues. Are their any?

]]> Comment on Stress Free Finance #1 by Anthony http://www.deluca-associates.com/stress-free-finance-episode-1/#comment-7 Anthony Tue, 01 Feb 2011 20:50:19 +0000 http://deluca-associates.com/blog/?p=4#comment-7 Thank you for the kind words. Yes, we will be covering a wide range of financial topics with some very interesting guests. I will look into the podcast download. Thanks again. Thank you for the kind words. Yes, we will be covering a wide range of financial topics with some very interesting guests. I will look into the podcast download. Thanks again.

]]> Comment on Stress Free Finance #1 by Deb C http://www.deluca-associates.com/stress-free-finance-episode-1/#comment-6 Deb C Tue, 25 Jan 2011 02:35:47 +0000 http://deluca-associates.com/blog/?p=4#comment-6 I saw your broadcast Sun. You are providing a huge community service with the information provided. When we are uneducated in such things, we put our trust in so called 'Experts',that have their own agenda. I hope you cover a wide range of financial topics to bring attention to the reality of things. We are sooooo mislead. Also consider a podcast download. Could not get episode to play due to slow connection. Continued success. I saw your broadcast Sun. You are providing a huge community service with the information provided. When we are uneducated in such things, we put our trust in so called ‘Experts’,that have their own agenda. I hope you cover a wide range of financial topics to bring attention to the reality of things.
We are sooooo mislead. Also consider a podcast download. Could not get episode to play due to slow connection. Continued success.

]]> Comment on Stress Free Finance #1 by Anthony http://www.deluca-associates.com/stress-free-finance-episode-1/#comment-5 Anthony Mon, 24 Jan 2011 01:23:47 +0000 http://deluca-associates.com/blog/?p=4#comment-5 Hi Jan: First, I am not a financial planner, nor do I profess to advise people where to invest their money. I simply see the stock market as way too unpredictable, particularly, when you reach retirement age. If the market plunges, you may not be able to wait for the "rebound." I prefer boring returns in Treasury bonds from stable countries like Australia, New Zealand, and the U.S. I am not big on corporate bonds or municipal bonds as they can tank as fast as a stock. If anything, maybe this gives you something to at least investigate further. Thanks for watching! Hi Jan:

First, I am not a financial planner, nor do I profess to advise people where to invest their money. I simply see the stock market as way too unpredictable, particularly, when you reach retirement age. If the market plunges, you may not be able to wait for the “rebound.” I prefer boring returns in Treasury bonds from stable countries like Australia, New Zealand, and the U.S. I am not big on corporate bonds or municipal bonds as they can tank as fast as a stock. If anything, maybe this gives you something to at least investigate further. Thanks for watching!

]]> Comment on Stress Free Finance #1 by Jan Reese http://www.deluca-associates.com/stress-free-finance-episode-1/#comment-4 Jan Reese Sun, 23 Jan 2011 20:30:22 +0000 http://deluca-associates.com/blog/?p=4#comment-4 I enjoyed watching your show this morning. You said you would never invest in the stock market. I recently retired and have approximately 500,000, where would you suggest that I invest it? I appreciate any advise you can give me. I enjoyed watching your show this morning.
You said you would never invest in the stock market. I recently retired and have approximately 500,000, where would you suggest that I invest it?
I appreciate any advise you can give me.

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