Lawyer Marcos
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California Pacific Palisades wildfire continues as the entire county is in shambles. At least 13 people died due to the ferocious wildfire. As the lives of these folks from Los Angeles County is turned upside down, looters continue to break in stores, homes, and cars to make the situation more stressful for the residents.
https://www.aol.com/la-wildfires-cause-historic-destruction-150609984.html
Forecasters warned Saturday that gusty winds would make for dangerous fire conditions into next week. Follow the latest updates.
aol.com
At least 13 dead in LA fires as authorities continue to probe cause: Live updates
Forecasters warned Saturday that gusty winds would make for dangerous fire conditions into next week. Follow the latest updates.
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What are the specific differences in their loan underwriting guidelines?
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Danny Vesokie of Affiliated Financial Partners, Inc. has the lowest cost for his commercial loan officer training school. I met Danny Vesokie and he has a great reputation. I think his price of $5,000 for commercial loan officer training school with a few days of boot camp and lifetime support and training, students get a lot of bang for the buck. Plus he’s hands on and guarantees you a job and guide you to study and pass the NMLS MLO exam and get licensed and sponsored by a mortgage lender and gets you hired with a commerical mortgage lender. I am thinking about taking his course. I have been talking to many graduates of Affiliated Financial Partners as well as Danny Vesokie himself.
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Great post, Chad. Wildfires has always been a concern in California. Recently, many homeowners saw their homeowners premiums skyrocket and some homeowners with older homes are getting canceled by their homeowners insurance providers unless they modernize their homes. Who has the kind of cash to renovate their homes during tough economic times like now. Inflation, high rates, and wages not keeping up with the Biden-Harris Adminstration screwed up economy, most people are living paycheck to paycheck. Even homeowners in million plus dollar homes are hurting. There is no way I can get by without my spouse working and me working my government job and trying to do the side hustle here and there. In California, it is worth noting that wildfires impact home buyers significantly, especially in Orange County, where there have been increased cases of fires, such as the one in Irvine recently that destroyed a lot of property. Below are measures that homebuyers and other stakeholders may use to reduce these risks and also make wise property buying decisions that are in areas at high risk of wildfires:
Investigate Fire Risk in the Surrounding Locations.
Employ tools, including the Fire Hazard Severity Zone Maps prepared by CalFire or FEMA’s wildfire risk maps, so it is easy to tell if the property is near any potential high-fire zone. These ratings are determined through vegetation types, weather conditions, and the presence or lack of certain land features showing the level of fire hazard geospatially.
To comprehend the destruction wrought by wildfires in the area, look at how frequently they have occurred.
Compare Homeowner’s Insurance Coverages.
Wildfire-prone areas, for example, many locations in California, often have high home content insurance prices, or these may be hard to attain. Hence the need to compare rates.
Look for the specific wildfire provisions in the policy and ascertain the presence of replacement cost coverage, which protects the homeowner and insists that a house is rebuilt to its original value.
Consider applying for a California FAIR Plan, which is doing its best to ensure people living in the high-risk zones can access the insurance services in one way or another.
Consider Fire-Resistant Home Features
Look for homes with fire-resistant structures, such as non-combustible roofing, siding materials, and fireproof windows. Metal, concrete, and tiles used for roofing can withstand fire better than wood or asphalt shingles.
Assess whether the house has fire-wise landscaping. Such homes usually have a defensible space where structures are set back at least 100 feet from vegetation, making them more likely to survive wildfires. Trees need to be pruned, and grasses and shrubs should be kept low to minimize the chances of fire occurrence.
Ask About Wildfire Mitigation Efforts
Inquire if each home is part of a Firewise Community. Such communities have applied wildfire mitigation strategies and earned praise for fire risk reduction.
Also, check if any fuel reduction programs in the area, such as cutting down brush and dead trees, could catalyze the spreading of fires.
Assess Emergency Services and Evacuation Routes
Find out the local fire department response times and capability. Fast and effective emergency response can be critical in guarding property against destruction.
Make sure that the house is built so that it can be quickly exited through different means in the event of a disaster. Familiarize yourself with the area’s emergency evacuation plan and where to head in case of a wildfire within the community.
Apply Deterrent Space Around the House
Whenever the foremost business allure for you is homeownership, especially in areas designated as fire-risk zones such as Irvine, it’s possible to get a defensive perimeter as follows:
- Remove debris and dead plants within thirty feet of the shelter.
- Trim or completely remove any ignitable ground cover outside the home and keep flammable materials away.
- Use gravel paths or other non-combustible ground covers to make fire breaks.
Wildfire Preparedness
- Get to know the available local programs for preparing against the dangers posed by wildfires.
- Most cities and counties provide such resources, evacuation routes, plans, and anti-fire plans and activities.
- Keep a supply kit ready, so all house occupants know how to evacuate.
Review Permits Associated with Construction or Renovation
In California, fire regulations must be followed when building houses in high-risk wildfire areas. If you are constructing or improving, ensure that the property is by Chapter 7A of the Californian Building Code.
When purchasing, ensure that the chosen house has fire-rated doors, windows, and vents to prevent fire from spreading.
Use Applications or Websites That Offer Real-Time Alerts for Fires
Take advantage of applications or websites that provide real-time information concerning fires and fire management. With resources like the CalFire website, Ready for Wildfire App, and AlertWildfire, date information on active wildfires and evacuations can be obtained.
Investigate Preventive Wildfire Prevention Major Systems
Some homes located in areas prone to wildfire have smaller sprinkler systems that can be activated to spray the outer walls during a fire. While expensive, these additional systems can provide an additional level of protection.
Similar to how fire-retardant gels or foams can be applied to structures before an advancing fire, these materials can protect them.
Wildfires are not a risk you need to take lightly when looking for a house, be it in Irvine or any other part of Orange County: A home buyer can do a lot to reduce the extent of future fire damage by doing comprehensively every detail, from knowing the region and risk of fires, having appropriate insurance, utilizing fire-resistant building materials, and even landscaping. With some planning and ongoing surveillance, one can feel safe even in fire-challenging regions like California.
https://www.youtube.com/watch?v=4CkcPw7vKBo&ab_channel=KTLA5
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Great post. My sincere apologies, folks. I am trying to be as objective and respectful as possible. However, it is very difficult watching Kalie with a straight face about her values has NOT changed. Excuse me? Her values change so often that keeping track of them is difficult. She wants to confiscate our guns one day, and another day, she’s pro-Second Amendment. Tracking? Increasing taxes, and now she’s not. She believes in censorship one day; another day, she’s the First Amendment. Look at this short video clip. It makes me sick and want to throw up. She’s so unlikeable.
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Corruption among law enforcement officers cannot be tolerated. It poses a significant public safety risk to have corrupt police officers patrolling the streets. Granting qualified immunity, along with a gun and badge, to a corrupt cop is a disaster waiting to happen. Something needs to be done about this. The solution is to make the qualification and recruitment process much tougher. Currently, anyone with just a high school diploma and three months of training at the police academy can become certified as a law enforcement officer, which is unacceptable. Here’s a video on corrupt police officers: https://www.youtube.com/live/hJkCXUZK13U?si=h-k-iVomcIIdbiTm
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Now I am hearing that half the nation’s police officers are ignorant and don’t know basic law and human civil rights. The United States needs police reform. Many cities and counties nationwide only require a three to six-month police training program before the police recruit graduates from the police academy and can go on the street with full police powers. Many police officers serve years and years without learning human rights sections of the United States Constitution but make well over six figures. WATCH THE ATTACHED VIDEO
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Thank you, Chad. Thank you for the information on Prop 19 in California. Is Proposition 19 only for homeowners in California or is it for other states too? Can you please give me about 5 case scenarios as an example so I can comprehend? What lenders do Proposition 19? I heard Gustan Cho Associates is one of those lenders. How do I connect with Gustan Cho Associates?
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I understand your frustrating situation and that you want to fix it as soon as possible. Here are some steps you can take if you want the late payment removed:
Gather records
Collect any documents that are related to this issue. This might include bank statements, credit card statements, or notes of conversations you have had with the credit card company.
Write a goodwill letter.
Write a detailed explanation of what happened in the payment process and request that they remove this occurrence from your credit history out of goodwill.
If applicable, mention how often this mistake was made before by emphasizing on-time payments made in past months and years.
Dispute with credit bureaus
- Contact each bureau (Equifax, Experian, TransUnion) separately.
- Do not contact one bureau and expect them all to be notified.
- Each communication should have an envelope addressed to that company’s dispute resolution department.
Be sure to submit copies (not originals) and track who you spoke with at the bureaus and any reference numbers they provide.
Submit a complaint to CFPB (Consumer Financial Protection Bureau)
- CFPB has a role in helping consumers get responses from companies they have a problem with.
- File a complaint here: consumerfinance.gov/complaint/
- Take it up higher within the company.
- Ask customer service representatives if someone above them might have more power/authority.
- Ask about the contact information of the executive office or CEO.
You may also want to consider:
Professional Help
Consider hiring an attorney specializing in these types of cases (consumer law attorney). They can help guide you through the process and ensure everything is done correctly.
Pay For Delete
As a last resort, offer to pay additional money in exchange for removing the derogatory mark from the record completely; however, most companies do not agree to such terms.
Keep watching your credit: Check every month for the next few years (at least annually) to ensure everything stays clean on all three reports. This way, it’ll be caught early if anything pops up again!
Know Your Rights: Learn about the Fair Credit Reporting Act to determine your options.
Be Persistent:
- Don’t give up after the first attempt.
- Sometimes, persistence pays off when dealing with large corporations like Discover Financial Services.
- Remember that credit card companies are not legally required to remove accurate negative information from your credit report.
- Still, they may be willing to work with you on this if it was a one-time mistake and you have a good history of making timely payments.
- Also, while Discover has earned a reputation for being somewhat inflexible regarding goodwill adjustments, there might still be other things worth trying.
Keep going higher: Try reaching out higher within their organizational structure. Executive-level staff members often have more leeway.
Keep records: Keep track of everything you and Discover do/say/agree upon. Include dates/times/who you spoke to.
File a formal dispute: Write to them directly by certified mail explaining exactly how their error caused the late payment(s) and asking them to fix it immediately.
Rewrite your cardholder agreement: Verify that Discover did not follow any rules when processing the payment.
Keep Trying: Don’t give up so easily. Sometimes, it takes more tries than the first or second attempt.
The way forward is to make a good credit history:
- When you cannot have something deleted, consistently make timely payments.
- As time goes by, the impact of one late payment decreases.
Think about what you want to do if they won’t cooperate:
- Consider dropping Discover as your provider if they keep being stubborn.
Remember this for next time:
- Make sure to get all changes about payments in writing and check back until processed correctly.
- While referring to federal law, remember no legislation prevents them from removing a late payment.
- This is their policy, not compulsory by law.
- Keep insisting it was their fault because they mishandled your request to change when the bills are due.
When everything else fails, consider that the negative effect on one’s credit score from a single 30-day late payment tends to decrease, especially if other payments are made promptly around that period. It can be frustrating when a creditor like Discover does not offer goodwill adjustments for a legitimate error. Here are the steps you can take.
Document Everything: Collect all records of communication (emails/letters), receipts, and bank statements showing your payments were made on time before the due date.
Dispute with Credit Bureaus: Contact Experian Equifax TransUnion directly, disputing these charges based on supporting documents provided, such as canceled checks and money orders.
CFPB Complaint: If disputing does not work, file a complaint against Discover Financial Services LLC at http://www.consumerfinance.gov/complaint/.
Legal Advice: If all else fails, seek consultation with an attorney who specializes in consumer protection laws regarding financial institutions like Discover Financial Services LLC.
Persistent Resolution of Disputes.
consumerfinance.gov
Submit a complaint | Consumer Financial Protection Bureau
Find information and tools to submit a consumer complaint to the Consumer Financial Protection Bureau.
