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A Consumer Reports study found that many consumer credit reports contain inaccuracies. This can lead to problems with loans and higher interest rates. If you find a problem with yours, what should you do? First, file a dispute with each credit bureau Experian, Equifax, and TransUnion. Go straight to the credit bureau, not to your … Continued
It is that time of year when kids are heading off to college and seniors are thinking about college. Here are some helpful tips to plan for the future Think About your Expenses: When creating a budget, think about the following costs: Tuition and school fees. The average cost of tuition and school-mandatory fees is … Continued
cash sales need to be reported or you get a tax audit
Filing federal tax forms is one of those annual events that most people view as a hassle and not everyone can afford the taxes they owe, particularly in the era of the Covid pandemic. In fact, the back taxes owed by US taxpayers exceeds $130 billion dollars. Collecting on the back taxes is part of … Continued
Mortgage rates are sitting near historic lows, which means if you sign up for a home loan today, you might spend less money on interest than you normally would. Here’s how to lock in as low a rate as possible on a home loan. Have a high credit score -Your credit score speaks to how reliable … Continued
You will know it is time to file bankruptcy when you are overwhelmed by debt and unable to reduce your debts at a reasonable pace. You may have lawsuits filed against you, and garnishments against your wages, tax refunds, and even bank accounts. Your assets may be threatened with seizure. You may have a lien … Continued
As soon as you file for bankruptcy, you will breathe a sigh of relief. Why? Creditors will stop calling you. The mailbox will not be overflowing with collection notices. Wage garnishments will stop, giving you more money in your paycheck. Bank levies will be released allowing access to your accounts. But what about my Credit … Continued
Frustrated with not getting through the IRS? Only 3% of the calls from the general public number ever get through to a person according to according to Eric Collins, of the National Taxpayer Advocate’s office. Even the practitioners phone line is up to a 3 hour wait. For the past year, I have been telling … Continued
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You happily open the mail, until there it is: A letter from the IRS. Your stomach goes into a pit. You open it with dread and the paper has in bold print Notice of Federal Tax Lien. A Notice of Federal Tax Lien (NFTL) is a public record and is generally filed with the County … Continued