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The Fort Worth Bankruptcy Attorneys



Fort Worth has a number of lawyers and law firms to provide legal advice on bankruptcy cases. These lawyers provide legal assistance in various bankruptcy litigation, including cases of preferences, fraudulent transfers, and motions for stay to raise debtor filings, bankruptcy appeals and representation of creditors in all chapters of bankruptcy.









You can get detailed information on benefits through the websites of majorlawyers or law firms. You can obtain information on their position in the local yellow pages, too. If you happen to be an avid Internet, then you can go through the yellow pages online in Fort Worth. These lawyers are spread across Texas. His lawyer based in Fort Worth offers the advantage of cost-effectiveness, in terms of money saved on travel, if your lawyer was from another place. You can alsoFind your lawyer in Fort Worth itself.

If you are filing a suit in bankruptcy, you can always hire a lawyer, after consultation with your group of supporters and friends. Get a recommendation from a lawyer also helps to assess the experience of a lawyer. And 'logical hire a lawyer, but pay more for the simple reason that you have more chancessuccess. Make sure you hire a lawyer experienced.

Most bankruptcy lawyers provide clients with analysis of individual and customized solutions. Another advantage is that lawyers are actively listening and giving a patient hearing. They are also better placed to understand the business of their clients are better able to protect their interests. Most of these lawyers help those seeking debt relief in bankruptcy. Failurenot bad things. Most, however, is to help you and other people who work hard to get rid of unsecured debts. This way you can keep your bill collectors under control.

Attorney Austin DWI

If you face charges because of driving under the influence of Austin, you must understand that there is a serious knock on your door, and only an Austin DWI lawyer can help you get out of this mess. DWI in town are long and time consuming , energy, money and even your work with your image. These cases are lasting impressions on your mind and you need to get out of their account with lawyers CFApossible.


If you are drunk driving, and violation of traffic rules are observed by police officers, it is very likely to face arrest. Patrols during peak hours are standard throughout the city. The government has established several checkpoints for testing drunk drivers. If you are not in your way, the police may conduct a blood test on you.

After the conclusion of these tests, if the level of alcohol or intoxicantsblood is greater than 0.08, you can be arrested. The police may also conduct field tests that sobriety. They want to move in a straight line and stand on one foot. If you can, things start to complicate things. If you refuse to take these tests, the license will be suspended. If you fall prey to DWI, DWI Austin only a competent lawyer can help you to question authority.

We recommend that you immediately contact a lawyer DWI Austin guide you through the legal framework of strict rules of law CFA Austin. You should never try to be a lawyer in such cases because it requires a professional touch.

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TIPS FOR FIRST DATE KISS

Without doubt, a first date is an important time for kissing a woman. Most women love to kiss and where they find the perfect kiss is even better. Some women are not the first day, which is perfectly acceptable to kiss. However, if you do not mind dreaming a kiss on the date of the first to inform you of something great and memorable!

French Kiss

The French kiss is sensual and exciting. A kiss, your love and desire to catch fire. French kiss is as effective as a solid game in the meadow covered with straw, in the heat of summer when the sun sets the sky on fire.

French kiss definition: an explosive growth resulting in a fire when two pairs of lips suddenly mixed with a fuel demand.

How are sensual and the best in the most intimate kiss:

- Receive a sensual mouth. Brush and floss. Drink water. A kiss is fresh and healthy sensual French kiss.
- Hair & Body Neat. Shaving after-shave. Shower and shampoo.
- If your partner or innocent looking dominant
- Get Closer & gently kiss
- Start slowly lick your lips love
- Feel your tongue reacts Satin roaming your mouth
- Visit your partner's mouth, slowly.
- Over time, deeper and more intimate.
- The best French kiss takes time.
- Press the tongue in the mouth of the partner, or take a guided tour
- Do not give your mouth at once.
- Do not take more than your partner in the mouth immediately. That fire has spread slowly.
- Resists more fun.
- Close your eyes and let the wind blow the passion
- Bite your partner's lip with the teeth together. Slowly.
- Look carefully at your partner.

A date of the first kiss should be something simple and special. If a woman steps in this first day, usually in the back, asked if a kiss is the date of completion. There is nothing wrong with a kiss on the first date, but should not be a little higher.

Love is like life, you never know its surprises. But beyond all that happened, it can be good or bad, we still struggle to live and love. People are not perfect. These shortcomings make us feel different emotions on a roller coaster.

Normally, a woman is not sick with a soft, sweet kiss at the end of the night. Also for women who are not usually kiss on the first day if the kiss is a bit soft, gentle and simple, they do not comply.

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What is Tax Fraud?

While no one looks forward to paying taxes, the vast majority of people understand the purpose and importance of taxes. Without this revenue, our government would not have the funds to pay for important programs that benefit all citizens, such as:




- Medicare/Medicaid
- Social Security
- Repairs to infrastructure (roads, bridges, etc.)
- Public schools
- Military defense
- Law enforcement

In order to obtain the necessary revenue to fund these programs, the federal government has established certain guidelines regarding the amount of money individuals and corporations must pay in taxes. When and individual or business enters into an illegal scheme with the intention of avoiding their tax responsibilities, it is considered tax fraud.

Actions Constituting Tax Fraud

There are a variety of actions which individuals and corporations may engage in to avoid paying taxes. Many of these constitute tax fraud, including:

- Failure to file a tax return
- Purposely underreporting or omitting income
- Claiming false deductions
- Hiding or transferring assets or income
- Overstating the amount of deductions
- Making false entries in records
- Failing to report income earned in a stock exchange
- Maintaining two sets of books
- Misusing trusts
- Abusing charitable deductions

In order for an action to be considered fraudulent, the IRS must be able to prove that the individual or corporation willfully engaged in illegal measures with the intention of withholding taxes from the federal government.

The Tax Whistleblower Program

The federal government lacks the time and resources to adequately ferret out and prosecute tax underpayment on their own. Therefore, they rely on the assistance of whistleblowers to help them recover unpaid tax revenue. In order to provide whistleblowers with an incentive to come forward with their information about large scale tax underpayment, the government has created the Tax Whistleblower Program.

Under the Tax Whistleblower Program, informants are eligible to receive between 15% and 30% of all recovered taxes, penalties, and interest in cases where the recovery totals at least $2 million. The percentage of your reward varies based on your contribution to the case.

In order to maximize your tax reward, it is important to work with an experienced law firm specializing in tax whistleblower claims. Your attorney will need to have the skills to help you gather evidence, present your case to the IRS in a compelling way, and assist in the IRS’s ongoing investigation.

In order to compel the IRS to pursue your claim, you will need to provide them with:

- Detailed evidence of the tax underpayment;
- Documentation of fraudulent transactions; or
- A solid paper trail

Reporting tax fraud against the government is an important public service. This revenue is important to our government’s ability to provide citizens with the important services and protections to which they are entitled. By fighting fraud, you will be helping all Americans.

To learn more about tax fraud, please visit the website of Kenney & McCafferty today at www.tax-fraud.net. Kenney & McCafferty provides representation to tax whistleblowers both nationally and internationally.

structured settlements and raise cash for settlements

You've probably heard of many different kinds of colonies. You may have heard of people selling their structured settlements or other persons who would receive money for their colonies. You may ask, is there a difference between the two? In particular, there is a difference between the sale of structured settlements and raise cash for the settlement?



To answer these questions, you must first have at least a little 'understanding of the settlements.Structured settlements are like insurance. It 'actually guarantee that the person is entitled to personal injury. You can sell structured settlement of a single shot or gave it to you periodically.

Depends on how you want to receive the payment. Certainly, both have advantages. The main advantage of opting for the option of paying in cash so you can enjoy the money immediately. Often, a periodic payment lasts for months, evenyears.

But in reality, the question is what you do for your situation. You must look at the injuries, the amount of time waiting for your money, and if there are other people involved in the application, because you receive money May affect them too.

Another good tip is to make contact with other people who have experience with structured settlements. Maybe they thought the same thing as you think and get an ideathat could help make your decision. An easy way to do would be to consult your lawyer may refer to these people.

Make sure to go through the process that we have many qualified people on the side. This is essential. The process may have some 'complex, and there are many who seek to exploit people who are confused about their options in a situation of settlement.

Do a little research to find out what there is to know about places thatto work with. Can a law firm or accounting firm or an individual. Be sure to ask about the experience, competence, and tries to talk to customers about their past, if possible. It is extra work at first, but will save you lots of headaches in the future.

So do not sell your structured settlements, if you think you need. Help with other aspects of your application along. Always remember to choose the right person to help you, then pleaseon all important decisions.

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The Lowdown on Buyers of Structured Settlement Payments

The selling of structured settlements is a fairly new practice, perhaps because this type of settlement arrangement was once unknown and is now becoming more and more common. As people win lawsuits or settle claims, this type of payment structure is often used because it is believed to offer more security to the person being awarded. However, a short time later, many of these people realize that periodic payments are not particularly beneficial. On the other hand, few people would turn down a lump sum of money. As people become more disenchanted with structured settlement payments, in steps buyers to take them off their hands and provide much needed cash.





















The buyers of structured settlement payments wear many hats. They may be large corporations or individuals that specialize in liquidating these types of assets. Some also buy annuities or provide settlement loans, while others only focus on structured settlement funding. Buyers of structured settlements do not fit into a generic mold or always have the same policies and procedures. In fact, companies may vary greatly from one to the next.

Although the basic goal of buyers of structured settlements are generally the same, the means about coming to that end may be considerably different. Large companies tend to experience more bureaucracy while smaller companies tend to be somewhat more flexible. The goal is finding a company that fits your individual needs. Another important aspect is being sure of the integrity of the company being used. In this arena, many companies are believed to be unscrupulous. While this belief is unfounded, there are always a few bad apples in the bunch. For this reason, each company should be researched to be sure they are reputable and fair in their business dealings. This will be well worth the effort in the long run.

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lemon law attorney

Consumer rights is applicable to everything when it comes to buying goods, and that includes the purchasing of automotive vehicles. The Song-Beverly Consumer Warranty Act, more commonly known as the California Lemon Law, sees to it that consumer rights is always upheld and protected, especially by lemon law attorneys San Diego.




The California Lemon Law applies to cars where the dealership has failed to repair successfully within the warranty period, despite the number attempts to do so. While the number of visits is not that specific, it usually is about your fourth visit when you should start taking the legal route. Also, if the car has been in there for over 30 days, you can apply it then as well. However, keep in mind that it is assessed case-by-case.

If ever your situation satisfy these conditions, then the manufacturer or dealership is supposed to refund your money or replace the vehicle with a similar one. The attorney’s fees are also to be included, which is good for those who can’t afford one. These can apply even if the car started going haywire outside the 18-month period or has already exceeded 18,000 miles.

This lemon law also applies to used and leased vehicles, which include boats, motorcycles, and recreational vehicles that are private and non-commercial. It can apply to business as long as they are under 10,000 pounds in total gross weight and at a total of five vehicles or less.

Those of you not familiar with the latest on Lemon Law now have at least a basic understanding. But there’s more to come.

Customers are not necessarily in need of self-arbitration, but they will have to settle a warranty dispute to the manufacturer before taking the case to court if a state-certified arbitration program is maintained. This process usually is outlined in the warranty or owner’s manual. But then again, it would usually tell you to have it repaired by the manufacturer, which just leads you back to square one.

If the manufacturer still does not comply to the terms and conditions of warranty, then it would be wise to take it to the court. By this time, a good lawyer experienced in this field is to be hired and a questionnaire or complaint form from the Californian Vehicle Warranty Rights Act Department is to be filled up. Information such as the brand and model of the vehicle, year of manufacture, mileage, name, contact details, date of purchase, and so on is to be written down and submitted with copies of documents needed.

Upon submission and approval, you are to fill up another form that states the parameters of eligibility. Your lawyer should be able to handle this by filing a claim under the California Lemon Law with a letter to the manufacturer.

This letter will notify the manufacturer of your intentions to initiate a breach of express or implied warranty. With that, a copy of that document must also be submitted to the Consumer Affairs Department and the Attorney General’s office. These requirements are necessary for the proper processing of your case.

The California Lemon Law is there to assist in obtaining either a refund or a replacement of the car if ever bad things do happen. This is only possible if you have filed the proper documents and hired some lemon law attorneys San Diego who is experienced in this field. If you have all of those, then things can turn to your favor.

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Automobile Lemon Law – What to do when the car is a lemon

Do you really believe that your vehicle is a lemon? You might think so, but check what your state thinks. While lemon laws vary from state to Automotive others at the base in and around the law remains the same. Typically, a machine can be considered a lemon when it has been set for the same problem for more than 4 times. It varies from state to state and each state has its own lemon law for vehicles.





Under Car Lemon Law, there are some flaws that are not responsible for the examination of a vehicle as a lemon, despite the fact that it is under warranty. On the other hand there are some flaws that can make your car a lemon if only a default occurs. These defects are likely to cause damage to the owner, for passengers or other persons. These defects are considered very serious and that the vehicle is considered a> Lemon if the manufacturer is able to repair the vehicle in his first attempt.

It 'also obvious facts behind the creation of car lemon law. Every purchase you make or repair must be properly documented and stored safely. You should also allow the manufacturer to fix the problems if you do not want to lose their rights as required by various State securities laws.

The hiring of a lawyer depends on the state where the vehicle isrecorded. In some states you can file a complaint and, in some states you must hire a lawyer to complete your case. If you win the case, your lawyer's fees will be paid by the manufacturer. But in any case if you lose the case, you may need to pay the fees of counsel for the producer.

Ultimately, if the lemon law is for you, you are entitled to take the car replaced by a new one. Or if the vehicle was stopped,right to obtain a new vehicle that has the same value or higher on your previous vehicle. Some states also allow you to be reimbursed by the Automobile Lemon Law.

California auto insurance quotes

Shopping for auto insurance can be difficult because of the many choices of provider available. Nowadays, the Internet is valuable tool for getting information, including insurance quotes. People living in California will find it easy to get this information simply by entering “California auto insurance quotes” or similar criteria in any search engine.


The user information collected in auto insurance web sites can be used for reporting or statistical purposes, so that insurance companies behind the web site can improve their services. Knowing what type of visitors the site gets can help insurance companies adjust their products or marketing strategy in order to attract more visitors or new types of visitors.

Location can be a factor in the cost of insurance, since it is related directly to the cost of living in an area. Just as the price of goods is higher for more urban areas, so does the price of insurance premiums. For instance, California auto insurance quotes are most probably higher than quotes for cities in Minnesota or Michigan.

The process for canceling an auto insurance policy and starting a new one is fairly simple. While there may be slight differences in the process from auto insurance company to auto insurance company, the steps involved will typically be the same.

For the latest insurance news and information and lowest car insurance quotes in California visit InsurancePlanRates.com today. Get your car insurance quotes in less than 90 seconds from all from the top auto insurance companies in the US.

Buyer of Structured Settlement Annuity

An annuity is a type of structured settlement that deals mostly with life insurance or retirement income payments. The way an annuity works is that the issuer—an insurance company or financial institution—will allow the buyer (recipient of the annuity; the ‘annuitant’) to purchase the structured settlement annuity using a lump sum payment, or any other type of periodic source of income. The issuer will then begin to dole out annuity payments on a future date chosen by both parties from the accumulated balance of the annuitant to whomever the recipient is (not always the annuitant, especially in cases of life insurance annuities). A pension is another form of annuity, where the annuitant receives structured settlement payments upon retirement. In the case of a pension, the employer becomes the buyer and will accumulate the funds of the pension for the annuitant (the employee) based upon the years they’ve put into a company. Pensions are great tax advantages for employers, and are a vital source of income for employees, making this type of annuity one of the most popular.



The structured settlement annuity is one particular type of the annuity plan, which has its advantages & disadvantages. The structured settlement means "by obligation of the payment, which is deferred". This kind of the annuity results from settlement of the personal injury lawsuit. Generally, the structured settlement annuity purchaser need to make their payments over the considerable time and over period of many years. This type of the annuity plan differs from the personal injury accidents & such mishaps to the product liability. Also, it is fundamental right for the citizen to get amount of the compensation that he / she deserves in case, he / she is hurt for a few other person. Thus, different insurance companies & agencies to buy the annuity plans. The plan is valuable enough to pay the combination of principal & interest over long time period. The payment is possible on conditions of the restrictions about schedule of the disbursement.

There are many structured settlement companies, but, that give many flexible, individually and tailored plans. It is one great leap for people who are structured settlement recipients to get the considerable sum of money for the future payments. In a word, the structured settlement will help one to meet needs, turning future & distant payments in the money that one wants today.

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Student Loan Consolidation – For Federal and Private Loans


What really happens when you actually choose on student loan consolidation?









You consolidate if you actually have multiple loans from a sure lender or various creditors. You actually ask for a consolidator to pay off your current loans for you hence that you actually finish up paying up best this consolidator every month. Single smart advantage of consolidating your debts is that your monthly payment is lowered creating it way more affordable for you.
If you take both federal and personal school loans, do not consolidate them together. Why?
Federal loans provide you sure privileges because a borrower really like payment deferment, forbearance and loan forgiveness. Basically, consolidating your government loans may void loan forgiveness however you can still be privileged to defer or forbear your payments. Nowa are also totally lost though once you actually consolidate federal loans with private debts.
Consolidating federal loans.
Your first step is to feel and look for a consolidator. You actually can comparison shop to determine the most reasonable lender offering the almost all favorable rate.
Are also you really still within your grace period?
You will be ready to lock in a low interest rate if you really consolidate this early nonetheless then you can be needed to begin repayment sooner. Federal Student Loans consolidation does not need credit checks or application costs.
Consolidating personal loans.
Non-public student loan consolidation is in a position to prove tougher to consolidate than your government educational loans. There are also certain requirements that you have to meet like having an suitable credit score. If your credit rating is poor, you can also feel and look for a co-signor with a brilliant credit score. The problem here is that in the event you default on payment, your co-signor may be liable for the repayment. Another thing is that, a few personal lenders will consolidate only loans stolen from sure creditors. It is going to be an excellent idea to check with the private lender first if you can consolidate your loans especially if you actually have several from one creditor.

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New York Personal Injury Lawyer With You Always In Your Hard Times

New York Personal Injury Lawyer With You Always In Your Hard Times
Nobody likes the sight of a lawyer whether for good or bad, but sometimes there arises a situation that one cannot do without them. Our circumstances take us to them as they are the only ones who will and can assist us in our troubled times. God forbid, but if someone meets with an accident or is hurt either physically and mentally but is unable to find a lawyer for his case, then do not worry anymore as New York personal injury lawyer is there to take care of that.



As we all know that life is full of surprises and it can take an ugly turn which can cause a lot of damage to us. At times, one can be happy in one moment and on the next moment could face a trauma the next moment. A personal injury is one such event that can stagnate or halt the normal life within few minutes. A personal injury can be caused due to many reasons like road accidents, mishaps or negligence by other people. In case this happens one can rely on New York personal injury lawyer. A New York personal injury lawyer can get you justice without any delay. He or she will be the best friend to a victim or his family in these uncalled hours. New York personal lawyer will be able to guide you with the proceedings of the case.

The New York personal injury lawyer is the best bet for any victim to fight the case for him, as he or she is very well aware of the circumstances, as well as existent and non existent laws besides having years of experience in dealing and solving such cases. If you are not able to find that confidential partner for yourself, who will help you, then go ahead and seek an appointment with New York personal injury lawyer. One has to trust his lawyer completely as he is the one who will get a favorable result to you from a court and it is always important to have that faithful relationship in such cases. Always opt for a lawyer who has a proven track of handling accidents cases successfully. And with this kind of an experience a New York personal injury lawyer stands a better chance of winning and also gets a complete vote of trust from the victim’s family as a token of thanks.

In fact a good New York personal lawyer always keeps victim and his family involved throughout the proceedings of the case. He not only informs the victim and his family about the intricacies of the case but also offers an insight on the proceedings made by the opposition in the case and tells them about what can be expected from the opposition as an amount of compensation money. So it becomes a responsibility of the victim or his family to provide every detail of the accident or the mishap to New York personal lawyer so that he can win the case. Besides winning the case, his name and experience is also at stake. Hence, a New York personal lawyer is the one who stands through thick and thin of anyone who has experienced any kind of in jury due to the fault of another individual organization or an entity.

Best Options school loan consolidation

Type of Student LoansStatements> provide financial assistance to those who are enrolled in schools participating in federal assistance programs. Thanks to school, we mean two years or four-year degree granting college or private public school, university or business school.
Consolidation can help reduce your debt by fixing and reducing the interest rate on your loan. Option loans are also incorporating a separate loan for debt packages so that managing your debtspayment option.



Requirements for federal loans:
To benefit from the consolidation of the federal government, we must consider the following points before signing it.
Candidates must not go to school (defined as enrolled less than half the time)
You must be a grace period of "active debt or pay your debts.
Most consolidation companiesrequire a minimum loan amount of $ 10,000 is typical.
Loan Type Federal Government:
Federal Family Education Loan Program: This is a public-private loan designed to provide and supervise loan guarantee education to parents and students. It provides the following types of loans for post-secondary education:
Stafford Loan: Stafford loan consolidation is a refinancing to fixed rate Programs that combine all your federal loans into new loans there.
PLUS loans: PLUS loan consolidation is another form of federal student loans that allow you to consolidate all your loans MORE previously taken for financing the education of your child in a single loan with lower monthly payments.
Graduate Stafford Loan> Statements: Stafford loan consolidation graduate is a financial tool ideal for those who just finished and try to repay their loans Stafford graduates.
Federal Consolidation Loans Direct loan consolidation direct federal reimbursement is a practical tool that allows you to combine all federal student loans direct loan you one. Direct federal loan consolidation offer the following options:
Consolidation direct federal loan subsidized student loans · Thiscombines eligible for interest subsidies, such as subsidies FFELP, Direct Loan and Federal Perkins loan.
Direct · Consolidation loans are subsidized: the federal student loans Thiscombines are not eligible for interest subsidy. If> Credit adoption subsidies, then you are eligible for subsidized Direct Loan consolidation.
· Direct Consolidation Loan PLUS PLUS PLUS Thiscombines FFELP and Direct Loans.
benefits of federal loan:
Various benefits can be withdrawn if you selected federal programs. Some of them are listed below:
Reduce monthly payments
Provide a fixed interest rate
You only pay once a month
improve credit rating
Offer flexible payment options
There is no prepayment penalty
Lack of consolidation federal government loan:
In comparison with the advantages, disadvantages of grouping small listed below:
It took a long time to repay
Increase the number of total> Debt
Locked interest rate means that if interest rates fall, your rate will not reduce / change
Loss of benefits (if any) of the previous loan
. Private loans 2:
The purpose of the consolidation of private debt is more or less the same as the consolidation of the federal debt, but the various techniques and features. It's just unbelievable to combine private educationloans into one package. personal loans to cover educational expenses such as education, housing or other educational expenses.
Requirements for a personal loan consolidation;
Because there are rules for eligibility to benefit from the consolidation of federal loans, such as private debt levies some of the rules in each of the applications received for the necessary permits. These standards are listed below
Participants must be enrolled in atleast half graduation technical
Have at least $ 10,000 in private education loan
Is the payment status of loans to private education at the time of application
Having a good credit rating
Having proof of residency and income flows
Private BenefitsDebt>:
Increasing the payment history and credit score
Provide a competitive interest rate on non-government loans
It provides a way to integrate all non-federal education and personal loans almost
Used to strengthen the debt related to education and studies relating to credit card debt
You can write fewer checks and may also reducea monthly payment
A longer repayment term (up to 30 years in some cases)
Lower monthly payments
The federal debt in private – Differences:
Federal loan consolidation is a tool to refinance private loans federal consolidation student debt if it is a way to refinance private student loans only. The main difference is thatconsolidation loans from the federal government come with fixed interest rate, while the consolidation of private loans come with a market price that can be fixed or variable.
If you combine both private and federal loans, you should be sure to separate them, ie refinancing federal loans with private loans are likely to raise interest rates higher, compared to the amount you pay to keep theirseparately.
Our advice: thoroughly research all the options first consolidation, and then choose to consolidate your student loans.

Citizens Bank, Dort Federal Credit Union offer new student loan products

And just in time for back to school and the start of the fall semester.

At least two Genesee County financial institutions — Flint-based Citizens Bank and Flint-based Dort Federal Credit Union — have added student loan products in the past few months.Other banks such as Chase also offer private student loans.


“They’re a lot of lenders that are jumping into this marketplace,” said Mark Kantrowitz, publisher of financial aid website FinAid.org and fastweb.com, a resource on scholarships.

“Private student loans are a lucrative market, so I expect competition to heat up,” he added.

Private lenders are coming back into the market after the credit crunch two years ago forced many to forgo student loan programs and because of changes with the Federal Family Education Loan Program, Kantrowitz said.

As of July 1, private lenders haven’t been able to make federal student loans through the Family Education Loan Program. All new Stafford, PLUS and consolidation loans will be made by the U.S. Department of Education.

But they aren’t the only source of education funding, and that’s where some lenders are finding ways to gain students as loan customers.

This summer, Citizens Bank teamed up with Sallie Mae to offer the Sallie Mae Smart Option Student Loan, which requires students to pay as little as $25 per month while in school.

Applications are completed online and the program offers a minimum loan of $1,000 up to the cost of attendance, minus financial aid received, according to Sallie Mae’s website.

Citizens Bank had a private student loan program up until 2008, but it had to stop offering the loans when the company it had been working with discontinued the product during the credit crunch, said Charles Spilman, consumer product manager at Citizens Bank.

“We saw that as a real product gap once that went away for us,” he said.

Spilman said the bank already has several loans in the pipeline with Sallie Mae. He said Citizens Bank could receive a small referral fee per loan.

The loans, which are underwritten and serviced by Sallie Mae and don’t require a cosigner, are variable and currently range between 2.87 percent and 10.21 percent, Spilman said.

“We’re trying to let our clients know that this is the next step in the process for student loan financing,” he said, adding people should look into grants, scholarships and conventional federal loans first.

Dort Federal’s program — rates begin at 6 percent and can be lower if you’ve got good grades — allows members to borrow as little as $2,000 and as much as $30,000 per year.

Borrowers also get a 1 percent interest rate reduction when they repay 10 percent of their loan.While in school, students can make the interest payment per month, or can choose a deferred option, where they pay $25 a month.

The credit union began offering the loans in April in part because of the need students have in funding education beyond what is covered through federal loans, grants and scholarships, said Jenny Ludwigsen, director of marketing for Dort Federal Credit Union.

“We had several members coming in and asking for it and we just felt like the time was right,” she said, adding they have issued one already and have more in the hopper.

Anyone who can qualify for a Dort Federal membership can apply for a loan. Juniors and seniors don’t need cosigners on the loans, Ludwigsen said.

Financial institutions may be tapping into student loan lending because it is a lucrative market compared to auto lending or even mortgage lending and can open the door to a lifetime customer, Kantrowitz said.

“After they graduate they need checking accounts, a bank account and you end up establishing a long-term relationship,” he said.

And some college students are turning to private loans to help pay for the funding gap, in part due to the indefinite suspension of new loans through the Michigan Alternative Student Loan (MI-LOAN) Program.

The MI-LOAN program was popular at schools such as Kettering University in Flint, where the cost of tuition alone is about $28,000 a year.In 2008, for example, some 42 percent of students at Kettering had to use private loans.

Kantrowitz said it’s become more difficult with the credit crisis to land a private student loan, and 85 percent of private student loans require a “credit worthy cosigner.”

“Families should always try federal (loans) first because it’s cheaper,” he said.

And Kantrowitz warned about borrowing too much.

“If you’ve exhausted the federal student loan limit, there’s a good chance that you’re borrowing excessively,” he said. “You shouldn’t borrow more for your entire college education than your expected starting salary.”

Kantrowitz encouraged students to minimize debts, search for scholarships, save before going to college and to “live like a student when in college so you don’t have to live like a student when you graduate.”

Choosing the Best Deal of New York Auto Insurance for Teens

Auto Insurance has been protecting every car holder with regards to their vehicles. If they have been involved in an automobile accident or their car has been involved in a car theft incident or other incidents with regards to their car, this auto insurance will be their protector from the financial issues that they may be facing. And so it is very important for every driver in New York to get their car insured in New York auto insurance.


But what if you are a teenager in New York who wants to avail of this New York auto insurance? Are the policies offered same with regards to the adult drivers? Are the rates of their policies for teens same to those of the adults? These are the questions that might bump into your mind, and this article will answer those questions.


Honestly, New York auto insurance companies offer same policies and coverage whether you are an adult or a teenager. They only vary with the rates. For all we know, teenagers are classified as high risk drivers because of their age, lack of driving experience, aggressiveness while driving, and other stuffs. And this is the main reason why the auto insurance companies demand higher premium rates for them. New York auto insurance companies believe that teenagers who are high risk drivers may tend to be often involved in vehicular accidents and incidents. As a result, they will have to put money out to repair the vehicle involved in accidents, pay the vehicle which has been stolen, settle the vehicle which has been vandalized or even pay for the vehicle which has been destroyed by other accidents and incidents. And so they are just getting even by giving these high risk drivers higher premium rates as well.


While it’s true that the rates for teenagers are relatively high compared to the adults, there are still ways on how to select which will be the best for you. This will be possible if you are more than willing to search for the New York auto insurance companies that offer reasonable policies. At first, you really might be surprised with how high their rates might be but if you take time to search for some New York auto insurance companies, either online or by visiting their offices, or even via phone call, you can be able to realize that there are some offers which are also reasonable. One you have find these policies, compare them, and be able to decide which among them really provide the best deal, and select that one for you.


You may be one of the many teenagers who is driving his car and wants to avail of this New York auto insurance. If so, be prepared with the rates that you may encounter. But if you really want to have the best deal with this New York auto insurance, allot your time in finding one for you because you can be able to find one if you are willing to search for one.

Sexy Hot- Jupe !!

Online car insurance? You pay too much!

If the local insurance agents car competing for your business to obtain the lowest possible budget. The buy of the line car insurance can cost very much more.
The reason that online sites have to offer higher prices, it is very simple. Most sites online car insurance quote are from the same insurance companies that sell auto insurance through local agents who are in possession of his hometown.










Insurance companies did not risk it, only local agents to sell a car rebate policy? Of course not! As I said the insurance companies that have local staff, so I reckon you sell a more expensive than the local agent can not. If you or I have some beach property in Arizona that I’d really like you. They would be lost without them.
The second reason listed online websites can give you the lowest rate because they are computer and you know what computers can find them. You stand on your head and whistle Dixie and she still can not cite that the rate of casualties. It is their program.
The intention is that only local agents are entitled to lower interest rates. It will be their business, and the time to cut the agency you are a business that can. The local agent is the only one who can give reduced prices.
About the discount rate you need to do business with local players, but can be time consuming, frustrating and a real pain because you will get the discounted price local agents compete for your business, we have to.
Go to a local agent’s office and get the lowest rate. If the local agent who knows a lot of competition, not going to get the discount rate. If there is no competition between the agents do not get the best price.
One of the ways to frustrate appointment is to pick your way through the phone book. The agent will not know to give the best rate for the call because it was a type of hard work there, and most people simply for trying to contact some agents. Most times the person who has to talk on the phone is away from your desk or in a meeting and get to play phone tag.
The agent knows that most simply give and pay for what appointment instead of going for all the efforts so that those who offer low.
There is a simple solution to this problem and that is to go online, fill out a simple question, which sent seven or eight of the best local agents in your area. When an agent receives a request like this, you automatically know that seven or eight sharp local agents also received the same request, as they know that to get your business, they go for the lowest rate that can possibly give.
He wants his company needs your business and will do everything in their power, including interest rates in order to get the thing. This is how to obtain the lowest possible price at any time and without all the problems normally associated with obtaining an auto insurance low budget.