Credit Cards:Bankruptcy:Emergencies

Samira: Some of you are in a real crisis. You may have lost your jobs, your family member or spouse may be sick, and I just want you to know that that’s the purpose of credit cards. You can buy anything you need with the credit card. You can pay a mortgage, you can buy…

Credit Card Debt and Financial Success

Samira:People who have credit card debt are broke. They will never succeed in having financial prosperity or financial security if you have credit card debt. I’m not saying not to use your credit cards. I’m just saying having $10,000 credit card bill that you’re facing every month is not going to lead to financial serenity,…

Common Financial Fixes

Josh: Just wanted to find out a little bit more about what you’ve learned, I guess on a personal level, or what kind of things seem to help changing behavior wise, thinking wise to get out of financial hardship, poor spending habits. Any suggestions? Samira: Yeah. The biggest issue that I see is the managing…

Business and Personal Bankruptcy

Josh: Okay, so if I’m a small business owner and personally I have good credit but my business is going under, how do I go about filing for bankruptcy? Samira: It depends. The key issue there is whether you personally guaranteed some of the loans that have been granted to your business. If you did,…

Does Credit Repair Really Work?

Josh: Does credit repair really work? What would a prospective client get from your practice that they would not get from Lexington Law? Samira: Right. The difference between me and a company like Lexington Law is that Lexington Law focuses on credit repair, I focus on credit recovery. It’s two different approaches. For me, if…

How do I repair by Broken Credit?

Josh: How do I recover my broken credit? Samira: It’s a process. I want you to recover it; I don’t want you to focus on repairing it, because you’re cheating yourself. You have to have patience. It doesn’t happen overnight. It does take time. Everybody’s credit can be recovered if they make it a priority…

Someone Elses info on your Credit Report

Josh: All right. Someone else’s info is appearing on my credit report. What do I do? Is this identity theft? Samira: It might be identity theft and you may want file a police report. If you lost a wallet and suddenly this is happening, then yeah. It probably is identity theft but there’s other ways…

Credit Score and buying home

Josh: Okay. What else is required to purchase a home? I guess you have your amount, a down payment. Samira: Right. In order to purchase a home, you have to look at how much you’re going to be able to put down. Usually the minimum down is 3%. The more you put down, the easier…