Tips For Mortgage Company Shopping

If you are buying a home you will most likely need to finance the purchase, and you will need a mortgage company Columbus. Not all home loan companies are the same. For instance, if you find more than one lender with comparable interest rates, you may not be sure which one to choose. Here are some things to help you simplify that decision. Read more [...]

How To Write A Validation Of Debt Letter

To avoid making payments to creditors or debt collectors on accounts that you are not required to, I strongly suggest sending validation of debt letters. These letters require original creditors or third party debt collectors to provide you with accurate and legal proof that you do in fact owe them money. Without sending a validation of debt letter, you run the risk of being part of the abuse that is common in the credit card debt collection industry. Read more [...]

Trying to Keep Tax Credits in an IVA

It is natural to be afraid of the unknown but it is far better to deal with the unfavorable aspects of any undertaking than to avoid confronting the difficulties totally. The Individual Voluntary Arrangement (IVA) process is just one of those that a person might have an irrational fear of. One of the things that an insolvent person, who is considering entering into an IVA, should verify is whether they might have been overpaid Tax Credits in previous years. If they learn that they have been paid such an overpayment, if they generate a proposal for an IVA, they can and in fact must enter the overpayment as a debt in their IVA proposal, subject to one particular condition. The overpayment will need to have been 'determined' prior to the date of acceptance of the IVA. Anybody who is convinced that they may have been overpaid tax credits ought to communicate with HM Revenue & Customs otherwise known as HMRC at their nearest tax office and convey their concern to HMRC authorities. When asked for, HMRC can provide a Statement of Account also called a SOA, and will do so as quickly as possible in accordance with the latest earnings data provided by the individual in question. You don't have to be insolvent to sort out this matter. Every person has the right to clarity with regards to their right to receive tax credits. Read more [...]