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RESPA Sample Written Complaint to Lender Letter. Attention Customer Service: Subject: [Your loan number] [Names on loan documents] [Property and/or mailing address] This is a "qualified written request" under Section 6 of the Real Estate Settlement Procedures Act (RESPA). I am writing because: Describe the issue or the question you have and/or what action you believe the lender should take. Attach copies of any related written materials. Describe any conversations with customer service regarding the issue and to whom you spoke. Describe any previous steps you have taken or attempts to resolve the issue. List a day time telephone number in case a customer service representative wishes to contact you. I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.

Sincerely, [Your name] Infographic: How Much Do People Spend On Coffee, Lunch and Gas for Work? - Personal Finance Whiz. I’m sure you’ve heard before how quickly things like coffee and lunch can add up if you’re buying them every day.

Infographic: How Much Do People Spend On Coffee, Lunch and Gas for Work? - Personal Finance Whiz

Anecdotally, I’ve talked to a number of people who are making coffee at home and are bringing leftovers for lunch to save money. However, according to this year’s Accounting Principal’s Workonomix Survey, there are still plenty of people that are spending bucket loads of cash buying coffee and lunch every day. Half of the American work force chooses to buy coffee every day and over 50% of people who buy coffee are spending more than $20 per week – over $1,000 per year.

Nearly a quarter of the people surveyed prefer to dine out for lunch, spending $37 per week on average – or almost $2,000 per year. Here’s a neat infographic that lays out some of the findings (click for full size image): 70 Super Easy and Practical Ways to Save Money. Foreclosure Relocation Assistance. How to Sell Your House Quickly. There aren’t many (any?)

How to Sell Your House Quickly

Reasons I can think of where as a person selling your house you wouldn’t want to sell your house quickly. Real estate statistics show that the peak interest in a house on the market falls between weeks 3 and 5 and after this time a listing starts to become “stale” and interest in the property will steadily decrease. Last summer while we were buying a home together we had not yet put our house on the market. This means we were going to carry two houses (2 mortgages, 2 sets of utility bills, 2 sets of property taxes) which is not an ideal situation. We knew that in order to sell your house quickly we would have to have a home selling plan prior to buying our current home. Our first step, which we performed before we had even firmly decided that we would be buying a home in the spring/summer was to pull on as many resources as we could for knowledge and advice.

The final step we took in our research was to call in a wedding gift offer from one of my groomsman. What is a Qualified Written Request? What is a QWR? - Consumer Financial Protection Bureau. A Qualified Written Request (QWR) is written correspondence that you or someone acting on your behalf can send to your servicer to ask for information relating to the servicing of your loan or to dispute errors about your loan account.

What is a Qualified Written Request? What is a QWR? - Consumer Financial Protection Bureau

A QWR is just one of the ways you can request information or resolve an error with your mortgage servicer. To request information or get an error resolved: Send your question separately. You can’t write your question on your payment coupon or mortgage statement.Include the name of the borrower and provide enough information for the servicer to identify the borrower’s account.Provide a statement of the reasons you believe that the servicer has made an error with the respect to your account or a detailed explanation as to information relating to the servicing of the loan that you are requesting.If the servicer has given you an address for error resolution and information requests, you must send your request to that address. Reinventing the Office: How to Lose Fat and Increase Productivity at Work. (Photo: watz) If you’re a white-collar worker, hacking your body isn’t limited to the gym.

Reinventing the Office: How to Lose Fat and Increase Productivity at Work

In fact, what you do outside of the gym might be more important that what you do inside the gym. Recent research suggests that those who sit from 9-5 (more than 6 hours daily) and exercise regularly are more likely to have heart disease than those who sit less than 3 hours per day and don’t “exercise” at all. ff Venture Capital, a New York early-stage technology venture capital fund, recently moved into a new NYC location, and they’ve documented their experiments and findings in rethinking the office for physical optimization. David Teten of ff VC contributed this detailed post, which provides a laundry list of ideas for transforming your office–home-based or otherwise–from a liability into a performance enhancer… If you have any fantastic tricks you’d like to share, please do so in the comments.

Enter David Teten Unfortunately, most people aren’t so lucky, and ass-in-chair time has costs: Desk Setup 1. RESPA Sample Written Complaint to Lender Letter. The following is a sample qualified written request from you, the borrower, to a lender.

RESPA Sample Written Complaint to Lender Letter

Use this format to address complaints under the Real Estate Settlement Procedures Act (RESPA). Be sure to read more about RESPA, and your rights under this Act, elsewhere on the RESPA site. Attention Customer Service: Subject: [Your loan number] [Names on loan documents] [Property and/or mailing address] This is a "qualified written request" under Section 6 of the Real Estate Settlement Procedures Act (RESPA). I am writing because: Describe the issue or the question you have and/or what action you believe the lender should take. I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.

Sincerely, [Your name] REMEMBER: This letter SHOULD NOT be included with your mortgage payment, but should be sent separately to the customer service address. 7th Annual HOC Forum Materials. USDA Is a Tough Collector When Mortgages Go Bad. The U.S.

USDA Is a Tough Collector When Mortgages Go Bad

Department of Agriculture's (USDA) Rural Housing Service provides mortgage loans to rural homeowners and guarantees loans made by banks, especially in sparsely populated rural counties. The housing service's volumes have grown substantially since the beginning of the housing crisis, and as a result, its brutal debt collection mechanisms are causing a greater stir than ever before, says the Wall Street Journal. To make collections on these towering USDA mortgages from delinquent homeowners, Treasury Department officials are forced to comply with austere policies written long before the housing crisis. Uniquely, the Treasury Department is able to seek tax refunds in order to force delinquent payers to make payment on their mortgages.Its arsenal also includes seizing up to 15 percent of Social Security payments and garnishing up to 15 percent of a borrower's take-home pay.It is also allowed to impose a 28 percent surcharge to cover collection costs.

For text: Job Seeking Tips for Veterans - How to Find a Civilian Job. The job market is tough for just about everyone, but veterans seem to struggle even more so with transitioning into a civilian career.

Job Seeking Tips for Veterans - How to Find a Civilian Job

However, this struggle most veterans encounter when entering the civilian job market isn’t because employers aren’t interested in hiring them. In fact, veterans have many qualities employers deeply desire in their employees including problem solving, self-motivation, team player, goal oriented, and the ability to work under pressure. One of the biggest reasons why veterans struggle to find work after their time of service is that they aren’t quite sure how to translate their experience into civilian jargon.

Being able to work with fairly foreign technology or manage a team under immense pressure are both impressive skills. But if you can’t describe those skills and achievements in terms an employer can understand, they simply won’t see you for your incredible worth. Attend a Resume Workshop Practice Interviews Use Available Resources. INFOGRAPHIC: HR Must Embrace Social. Like it or not, Facebook is becoming a huge part of online users lives, but not if offline companies have anything to do with it.

INFOGRAPHIC: HR Must Embrace Social

It seems that, at every turn, companies are doing their level best to block access to Facebook and other social media sites to employees at work, even though there are compelling reasons why they should do the exact opposite. This is the subject of today’s infographic, which examines how companies seem to be obsessed with finding out what their employees are saying on their private Facebook accounts, while at the same time doing everything they can to stop those same employees from accessing social media while at work. I’m lucky in that I am self-employed so I can go on Facebook anytime I want, so I can’t claim to know what it is like to be barred from the Internet while at work. What about the company where you work? Does it embrace social media and let you and your colleagues onto Facebook?

Simple Case Search. Zillow - Real Estate, Homes for Sale, Recent Sales, Apartment Rentals. The U.S. Government's Official Web Portal. Buying a House. As you know, I have pretty strong views on buying property.

Buying a House

As a first-time house buyer, it’s the most complicated purchase you’ll make, so it pays to understand everything about it beforehand. I’ve collected a few tips on real estate that will make you smarter than 99% of people, and save you thousands of dollars. And for would-be investors, there’s a seven-part guide to real estate basics. House-buying articles from I Will Teach You To Be Rich My friend was about to buy a million-dollar house with no research.

Notice anything above? Some of the best ever articles on real estate This page quickly destroys common myths of owning a house, such as the benefits of tax deductions and the idea that you’re throwing money away on rent.In the Long Run, Sleep at Home and Invest in the Stock Market. Guilt and real estate Isn’t it ironic that we feel guilty about our daily latte, yet we don’t focus on our credit? Chart from myfico.com mortgage calculator, May 2009.   Richland County Resource Directory. HARP_release_102411_Final.pdf (application/pdf Object) Community Action Agency Program Management Staff Directory - 2010.pdf (application/pdf Object) LawrenceSavesDesignTeamFinalRepor3.14.11.pdf (application/pdf Object) Southwest Wisconsin Community Action Program. Southwest Wisconsin Community Action Program Website: www.swcap.org LIFT: Ride Referral and Transportation Coordination ( Contact Number: 1-877-SWT-LIFT (1-877-798-5438) Work n Wheels: Program provides 0% interest auto loans to qualifying low income borrowers to support journey-to-work.

Southwest Wisconsin Community Action Program

Contact Number: Jeff: 608-935-2326 Easter Seals Project ACTION Traveler’s Database Website: The National Accessible Traveler’s Database Search The National Accessible Traveler’s Database hosted by Easter Seals allows users to search for transportation options including shuttles, taxis, paratransit and many other services. Access Mobility Transportation Serving residents of La Crosse and Green Counties. In LaCrosse: 608-782-4200 or 1-800-658-9054 during office hours of operation. Running, INC Website: www.runninginc.net Shared Ride Taxi Service serving Vernon, La Crosse, Columbia, Crawford and Juneau Counties. Contact Number: 608-637-2599 or 1-877-444-6543 Gundersen Lutheran Coulee Trails Abby Vans Website: Rideshare. How an underwater homeowner got a refinance.

HARP refi » How an underwater homeowner got a refinanceA HARP refi isn't always fast and easy. Ask Joseph DeLucia, who got a mortgage refinance under the Home Affordable Refinance Program. From application to closing, the process took six months.His refinance rate is a lot lower than the rate on his original mortgage, and the payment is $300 per month less. DeLucia says the savings make the months of frustration and lost sleep worthwhile. "My advice to anyone would be: Don't give up," he says. "Just hang in there if you really want it. " Loan modification -- before and after DeLucia bought his house on the bay side of the New Jersey shore in 2006.

Expect nothing to go smoothly DeLucia, an architect who is about to become fully licensed, was ensnared in a mistake from the beginning. If possible, email documents instead of faxing them After a few lost faxes, DeLucia began scanning documents and sending them as attachments to emails. " Backstop phone conversations with emails Stay in touch. Home » Richland County Land Information Office. Personal Dashboard Login. List of cities in Wisconsin. Wisconsin Department of Financial Institutions. Your Rights and Responsibilities (The following is a DFI Your Money Matters program brochure reproduction) Being contacted by someone who wants to collect a debt can be upsetting.

This brochure explains some of your rights and responsibilities under the law and answers some frequently asked questions about debt collection. What should I do if a collector calls me? The most important thing to do is to remain calm; arguments do not solve anything. If you are contacted Find out the name, address and phone number of the company calling you. Find out the name of the business you owe money to, if different from the caller. Get the exact amount they claim you owe.

How do I dispute a debt? If a collection agency is involved, write them within 30 days of receiving the initial notice and inform them you are disputing the debt. The creditor called yesterday and threatened to sue me if I didn’t pay my debt. Yes. What is considered harassment? Is a collection agency allowed to contact my employer? Yes. No. Dane County Foreclosure Prevention Taskforce » Resources - Addressing foreclosure in Dane County through prevention, intervention and stabilization.

Iowa County Offices - Southwestern Wisconsin Community Action Program. Debt Collection - Wisconsin State Law Library. Debt collection statute of limitations listed by state. Credit / Debt - Wisconsin State Law Library. Statutes Home Page - Legislative Reference Bureau. Wisconsin Statutes of Limitations. Wisconsin Statute of limitations A note from the authors and webmasters of statuteoflimitations.net. Laws in every state get modified, repealed, amended, and/or changed by the legislature of that states jurisdiction.

We need you to keep this in mind as you look through the data in our web site. The authors and webmaster of statuteoflimitations.net have made every effort to post the most current laws. Please use this site as a general reference and for comparison purposes. Statute of Limitations Contact a personal injury attorney © copyright statuteoflimitations.net all rights reserved. Legal Action of Wisconsin Consumer Law Publication. If you have a debt that has remained unpaid for a period of time, it is likely that the debt will be assigned (turned over) to a debt collection agency for collection. If that happens, the law provides you with important protections. Please note that many of these rules apply only to a debt collector hired by a creditor.

If a creditor is collecting a debt owed directly to it, many of these rules do not apply. Under the federal law called the Fair Debt Collection Practices Act, a debtor has a right to obtain "verification" of the debt and to dispute any portion of the debt. Verification includes providing a copy of any judgment that may have been obtained against the consumer. In any communication with a debtor, collectors must identify themselves by their name and may not use an alias or false name.

Also, there are a number of practices which are specifically prohibited by the Wisconsin Consumer Act (Chapters 421 to 427 of the Wisconsin Statutes) . · the creditor’s name, IMPak - Find An Attorney. Financial Coaching Strategies. Institute For Financial Literacy ®Home. NPQ – Nonprofit Quarterly - Promoting an active an engaged democracy. National Foundation for Credit Counseling. Foreclosure Prevention. Home Foreclosure and Debt Cancellation. Scam Watch - Money Matters from the Federal Trade Commission.

Debt Collection FAQs: A Guide for Consumers. Consumer Information - Credit & Loan: Mortgages/Real Estate. HOPE NOW - Support and Guidance for Homeowners. HOPE NOW - Support and Guidance for Homeowners. HOPE NOW - Support and Guidance for Homeowners. Foreclosure Real Estate Listings. What to Research Before Buying a House. NeighborWorks Financial Fitness. Foreclosure Help. New Counselors. Wisconsin Department of Financial Institutions. Enterprise Community Partners.