Charged Off Debts and Debts in Collections – What Can Collectors Do To Me?

download (2)You are behind on a credit card or other unsecured loan (a loan that does not have any collateral like a car, boat or house). And the first call from a debt collector has come into you. What is their next step? Can they put you in jail? Can they sue you? Can they threaten to call your boss and have you fired?

Since I had 12 credit cards and one personal loan in delinquent status back in 1998 and 1999, I know what you are going through. The fear of the unknown is probably very large for you right now. Get some peace of mind! I will explain what can and cannot happen to you.

1. You will not go to jail for not paying your loan.

The police will not show up at your door with handcuffs. We do not have debtor prison in the USA. In fact it is a violation of the FDCPA (Fair Debt Collection Practices Act) for anyone to threaten you with arrest!

2. The debt generally does not get sold to a collection agency until you have been late for six months.

Your creditor is hoping to get payment from you. But after 180 days, he has to clean up his books. So he will transfer or sell your debt to a collection agency. This is called a charge off. This does not mean that your debt has been wiped out! It is an accounting term; your debt still remains.

3. You can control the collector’s phone calls to you.

Collectors can only contact you during reasonable hours, which generally is 8am-9pm your time. If you do not want to be called anymore, either at work, at home, or both, you must get the mailing address of the collection agency and send a notice to stop calling, IN WRITING. Some collection employees are good about putting notes in your file to stop calling but many are not good about this. I recommend that you send this Certified with Proof of Mailing in case they continue to call you. That way you have proof to threaten them with legal action for violating the FDCPA.

4. You can control the collector’s mailings to you.

Same as the phone calls. If you send them written notice to not contact you by mail, they must stop. Though they legally can send you two more notifications. One, they received your notice and will stop contact with you. Two, they are taking an action against you, such as a lawsuit. Everything else will stop.

5. They will contact your relatives, employer and possibly friends.

Generally only if they cannot find you. This is called skip tracing. Legally the collector can only discuss the debt with you, so he will use phrases like “It is very important that I speak with ____” or “Please have ____ call me as soon as possible.” They will try to get your phone number or address.

Your relatives and friends can tell the collector to stop calling them.

If your employer does not want you getting phone interruptions while on duty, the collector is supposed to stop calling. Which makes sense because the collector has zero chance of getting any money from you if you get fired!

6. The collector cannot threaten to sue you.

The key word here is “threaten”. If the collector has started the legal paperwork to take you to court, then he can tell you that because it is a fact, not a threat. So if you receive this call or letter, take it very seriously.

7. If the collector wins in court, he will get a judgment against you.

The judgment is what allows a collector to legally garnish your wages, garnish your bank account, put a lien on your house, and even sell your car to collect the debt. He cannot garnish social security payments, retirement accounts, disability payments, etc.

A collector usually will not spend the money to take you to court if you have no assets that he can get to. This is called being judgment-proof. So if you are unemployed and have few assets, the judgment is all bark and no bite.

Hopefully this relieves the fear of the unknown for you. So if a collector calls, do you want him to stop? Do you want to negotiate the debt with him? Do you see yourself as judgment-proof so the debt will never be collected? You now know what can and cannot happen to you if you do not settle or pay off your debt. Sleep peacefully tonight!

 

Bad Credit Buyers Expect to Pay Higher Interest Rates

The first step toward improving your borrowing power is to know your rights and responsibilities. Nobody but you is usually to blame for your bad credit rating, so start out by assuming responsibility for your bad financial choices. Acknowledge that you’ve made some mistakes, and start working to improve those mistakes by addressing the problem head-on.

Know your credit score.

Get a FREE copy of your credit report and know the reality of what is showing up on your credit for collections, for late payments or for any other reason. If you have a good credit report showing up, know about it, point that out to your lender and remind the lender as you’re going through the process that you’ve been responsible on those areas.

Deal with bad credit reporting.

If some of your financial information is missing or miss-reported, correct that. Write letters to the reporting agency explaining or asking for bad information to be removed from your credit report. 30 days after disputing a report, if it isn’t confirmed, it will be deleted. Take advantage of that option to have bad reports deleted from your documents.

Pay off low balance debts.

If it’s a low balance, pay it off, and ask that it be removed from your report. Most companies will allow paid off debts to be removed from your credit report if they no longer have you as a liability on their records.

Request good reports.

If you’ve paid on time, and you have some good reports that aren’t on your credit report, this is the time to request those reports be placed on your financial profile. Do the work and ask your creditors to make those good reports too.

Keep track of changes on your financial documents.

By keeping track of your credit report and any changes in your credit score, you’ll be better able to prevent the possibility of identity theft, or at least identifying the source and cause of any identity theft problems that may arise on your accounts. This may come in handy if anyone ever does take your debit card, or steal your identity.

Maintaining a legal shield of some kind to protect yourself from identity theft is always a good idea, but in lieu of a specific paid program, keeping close track on your own financial documentation is the best option.

Don’t allow your identity or financial resources to be destroyed by others, be responsible for yourself.

 

Everything You Need to Know to Repair Your Own Credit!

I am going to teach you how to fix your credit. I am not going to share everything that I know with you about credit scoring models or algorithms but I am going to share the process with you. I am doing this because I want you to know what you are doing when you go about fixing your credit. If you have bad credit and are a DIY type of person this article is for you. I am going to cover everything in this article from A to Z.

The first thing that you need to do is review your credit for inconsistencies. A full 79{26cbae6e8c7cb8464c0e21fc068be91a2bdf946040175ac29241b37b9f11171d} of credit reports have one error or another. Cases of mistaken or stolen identity, same or similar names reporting on the wrong report, incorrect amounts, duplicate accounts, and many other forms of errors being reported on credit profiles abound. Go over your credit report very carefully looking for inconsistencies such as those listed above.

Once you have identified the errors that you want to correct it is time to move on to the next step. You will want to dispute those items with the three major credit bureaus. Write a letter you each of the three credit bureaus explaining to them what you believe the error is and request that they delete the item being reported in error from your credit report. Proper formatting is an important ingredient in order to ensure that your dispute is handled properly. The credit bureaus are going to want to make sure you are who you say you are. For that reason you must always submit your dispute letters with a copy of your driver’s license and a bill with your address on it (such as a utility bill). If you have recently moved they may want to see additional verification so include a pay-stub, social security card, or W2 form.

There is no guarantee that disputing an item with bring about a removal of that item from your credit profile. If the item is genuinely being reported in error there is a high likelihood that it will be deleted. Creditors have 30 days to validate an account that has been disputed otherwise it is automatically deleted. If an item is validated but you are certain that it is being reported in error you can challenge the validation. That process begins with first requesting the documentation from the credit bureaus that the creditor used to validate the account. A good example would be if an amount is being reported incorrectly. Such as if you paid off an account but it is still reflecting an amount owed. In that case, obtain dated proof of your release from the debt obligation to compare to the documentation used for validation, which may show that the validation is dated.

If you are unable to have an item deleted through the dispute process there is a good chance the collection agency or creditor may be more pliable and willing to negotiate after an item has been disputed, validation challenged, or is currently in dispute. As a last resort you may want to attempt to negotiate a settlement with the creditor; this is only if you are unable to have the item removed through any other means. However, there are a few ground rules here that you need to take into consideration. Again, if you are certain that the item is being reported incorrectly or is not yours all together; do not acknowledge the debt as being yours.

The first thing that you should ask for when the creditor answers the phone is for the agent to come back on an unrecorded line. You have the right to speak on an unrecorded line and generally the agent will be happy to oblige. He or she will put you on a brief hold and come back on a line that is not being recorded. Once they are back on the line with you tell them that you are calling about account # (fill in account number). If you do acknowledge ownership of the debt, that could restart the statute of limitations back to 0 days since last date of activity. It is important not to make that acknowledgement in the event that you are unable to reach an agreement. It is not uncommon to get the settlement down to around 40{26cbae6e8c7cb8464c0e21fc068be91a2bdf946040175ac29241b37b9f11171d} or 40 cents on the dollar. Collections and profit & loss statements come off on their own seven years from last activity while items discharged in bankruptcy come off in 10 years.

Cleaning bad credit from your credit profile is the first step in establishing repairing your credit. The next step is to re-establish credit. Sometimes when you make a lot of changes to your credit profile in a short period of time you may see a dip in your credit score in the first month after. The reason for this is because while you are deleting derogatory items you are also deleting transaction history. This is normal and it will rebound in the subsequent month so long as you have established some new trade-lines (credit account).

Those with perfect credit have multiple seasoned trade-lines varying in type. Usually a couple of revolving account, an installment loan or two, and an amortized loan such as a mortgage. The more seasoned a trade-line is the more weighted it will be on your credit report. If you have the option of having a friend or relative add you as an authorized user on a seasoned trade-line that will accelerate the time-frame in which you are able to increase your credit score. However, with a clean slate you should still be able to significantly increase your score over the next couple of months.

Open a couple of credit card accounts to start with. You will want to limit your inquiries to no more than 3 in any 6 month period. For that reason it is a good idea, if you have cash on hand, to start out with secured credit cards. Secured cards come with a guaranteed approval and do not require a credit pull so you will be able to limit the inquiries on your account. Another great option is Aarons Sales & Lease; they are the only rent to own company that I am aware of that reports to all 3 major credit bureaus. When establishing new credit try to limit your new credit inquiries as much as possible.

After establishing a couple of new credit card accounts make sure that they are open and active. You will want to use the cards to build up some positive transaction history. At the same time you will have to use them carefully to maximize your credit utilization. Never exceed 30 percent of the available balance as that is the sweet spot in where your account is open and active while still maintaining a large percentage of available credit. It’s a good idea to make a small purchase or two once a month and then pay your bill after you receive it in the mail to ensure that it posted and the activity on the account will be reflected on your credit profile.

There is a lot more that goes into it than the information that I have provided here. There are specific calculations that we can do based on credit scoring models that allow us estimate scores at particular intervals. Though, in order to remain compliant I never quote time-frames or make guarantees because there are always variables that could disrupt the work that we are doing. The information provided here is more than enough for you to go out and fix your own credit. There is nothing that we can do in that regard that you cannot do yourself. You can take the steps outlined in this article and fix your credit.

If you do not have the time to put the work into this process or would rather just leave it to the professionals we are here to help. Northern Finance Group employs highly trained credit repair professionals and we are willing to work with you in every step of the way. Our rates are reasonable for the high level of service that we provide and we can ensure that your credit reach the heights that you are striving for. If you have been turned down for credit and need to get your credit repaired as quickly as possible please give us a call for a free consultation.

 

4 Cool Tricks to Maximize Your Credit Card

Your credit card is an important tool when it comes to your finances. This is precisely the reason why you should try your best to make the most of its perks. You may not realize it, but there are a number of things that you can do to maximize your card’s use.

This article presents a couple of cool tips every cardholder needs to remember.

Make best use of your Billing Cycle

The way you pay your monthly bills is crucial to maximizing your card. For instance, if you settle your dues punctually and in full, then you will be able to avoid being charged with interest. This is probably the best way to use your card. This is because you are technically getting a free loan from your card provider.

Of course, there are still a couple of tricks you can do to step things up. Consider this: if you make a charge a day before your statement is closed, then that you will have around 20-25 days to settle that charge. However, making that same charge a day after the statement is closed will give you a total of at least 55 days to pay that charge. This is because that charge will be transferred to the next billing cycle.

Another important trick you need to remember is that some card providers actually allow their users to move back their due dates, thus extending their payment cycles. This can certainly help if you find yourself in a financial jam. However, you need to keep in mind that you won’t be able to this repeatedly.

Always ask to be reconsidered

If your initial credit card application was rejected, you should never hesitate to ask for reconsideration. There is always the possibility that your credit worthiness was not assessed correctly. Keep in mind that the process itself is not perfect, so mistakes are bound to happen.

Just give your card provider a quick call. Explain to them why you deserve to be approved for that particular card. If you are convincing enough, the person on the other end of the line might just give you that card you want.

Threaten a Chargeback

Asking for your money back from a merchant is often a futile effort. Fortunately, credit card users have a slight edge over people who pay with cash. As a credit cardholder, you are entitled to a chargeback option.

The chargeback option is an important trick all card owners need to remember. All you have to do is call the merchant, and ask to speak to a supervisor. Inform them that you want your money back. However, if your initial attempts at a refund are rejected, then tell them that you intend to ask for a chargeback from your card provider.

It is virtually guaranteed that the supervisor will change their mind once you threaten them with this. This is because a chargeback means increased merchant fees. They would rather give you back your money than be charged any additional fees.

Make the Most out your Reward Cards

As you may have already noticed, many reward cards rely on gimmicks to make you spend more. Do not fall for this trap. Overspending is the among worst things you can do with your credit card. Instead, you should try using these cards creatively. Earn reward points the smart way.

For instance, if you want to qualify for a sign up bonus, then try using your credit card to purchase gift cards. Just make sure that you will be using these in the future. That beings said, buy them from retailers that you visit often.

 

How to Get Approval for a Home Mortgage Loan

If you are planning to apply for a home loan, check out the following helpful tips to get your application approved.

Know Your Credit Score

Credit activity and credit scores will greatly affect your mortgage approval. Lenders usually require minimum amount of credit score that should be maintained so that your conventional mortgage loan request will not be denied.

Also, having derogatory credit information might hinder mortgage approval. To avoid unwanted denial of your requested loan, you should lower your debts, pay bills on time, and fix errors on credit reports.

Save Your Cash

Mortgage lenders require down payments which depend on the kind of loan. If you have the means, pay a higher down payment. This will lower your balance and alleviates your private mortgage insurance.

Down payment is not the only fee you should be worrying about. Acquiring a mortgage also involves home inspections, title searches, closing costs, application fees, credit report fees and other fees. Save up cash for these payable fees.

Stay at Your Job

Changes on your employment and/or income status will have a major effect on the mortgage process. The information you provided in your application will be the basis of your home loan approval. Giving up a job to be self-employed or getting a lower paying job will make a wrench in the plans, leading to a reevaluation of your finances to check if you’re still qualified for the loan.

Pay Debt & Avoid New Debt

Qualifying for a loan doesn’t require that your credit card be zero balance. But, it’s better that you owe less to your creditors. Your debts determine whether you will get a mortgage or not. Also, it will determine how much you will acquire from the lender. When you have many credit card debts which makes your debt ratio high, the lender might refuse your loan request or provide a lower mortgage.

However, even though you get approval for a mortgage with debt, it is advised that new debt should be avoided while under the mortgage process. Before the mortgage closing, lenders recheck credit and when they found out that there are new debts they can stop the closing.

Have Pre-Approval for a Mortgage

Having your home loan pre-approved will help you determine what you can afford before bidding on properties and what interest rate should you be paying on the loan.

Determine What You Can Afford

Choose a home that will fit your budget. Though some lenders pre-approved applicants for more than what they can afford, be smart, live within your means and purchase a home that you can afford.

 

Credit Repair Services Do You Really Need It

Repairing credit can be compared to losing weight, there is no quick-fix! Just as it takes time to get rid of your fat, the same goes for the negative items on your credit report. Any attempt to repair your credit quickly is more likely to backfire, than to produce any positive result. The best thing that you can do in order to rebuild your credit is to be responsible in managing it over a period of six months at the least.

You need to be responsible in managing your credit, but what if there are errors and inaccuracies in your credit report that render it negative? The worst thing about such inaccuracies is that you are at a serious disadvantage, usually through no fault of yours. Unfortunately, a study by U.S Public Interest Research revealed that 70 percent of all credit reports contain serious errors.

Fixing these errors involves a detailed legal process which consists of sending dispute letters to creditors and credit bureaus, sending reminders, studying the documentary evidence provided by creditors and bureaus, and more. Like most people, you might not have the required time and expertise to follow through on all of these processes efficiently. This is where credit repair services can help you out. Now it’s important to understand that it will not be possible to improve your credit score in a few weeks. As previously stated, this is not possible even if the negative items in your credit report are due to error.

Time taken for Credit Repair
Creditors and credit bureaus are required by law to produce original documentation in order to prove the negative items that are present on your credit report. They cannot take more than 30-45 days to do so. However, drafting and sending dispute letters may take some time as well. Some people think that it is possible for any consumer to get his or her credit score corrected without any professional help, which is true but hardly practicable.

Anyone whose credit report contains errors can try to draft their own dispute letters and send them to the concerned parties, but it is time-consuming and it takes a lot of mental effort. Unless you are ready to take this duty as seriously as you take any other professional commitment, do not even try! Hiring a reliable provider for credit repair services, which would be a company that has more than a decade of experience helping thousands of customers with unfairly negative credit reports, can help you correct your credit score without too much fuss.

Credit report repair services are particularly useful when:

— The negative items on your credit report are due to accounting, reporting or any other error committed by creditors, credit bureaus or collection agencies. Genuine errors can be struck off from the reports smoothly when you go through the proper procedures.

— The credit repair service providers are good at identifying errors that cannot be verified. By law, if any item in the report cannot be backed up by documentary evidence, it needs to be removed. This loophole can be used by credit repair companies to improve your score.

— Some lenders are willing to negotiate with credit repair representatives of their consumers. If your lender allows it, this can help you raise your credit score.

 

When Was the Last Time You Monitored Your Credit Report?

If every major financial activity of yours is summarized into a single piece of paper, it will turn out to be a very important document, right? Your Credit report is an important document and the one with a positive credit history can be an excellent financial tool. You can use it to get a loan from a bank, a credit union, a private lender or any sort of a creditor when you are in need of funding.

Did you know that 40 million Americans have a credit report that contains at least one inaccuracy? Many of these reports show big mistakes. Why should you have to pay a higher interest rate or not be able to apply for a mortgage because of an error committed by others? These are only two of the possible consequences of having a low credit score.

This is why it is important for consumers to monitor their credit report on a regular basis. If you think you don’t have an eye for detail and doubt you will be able to make out everything that is wrong with your report at just one glace, it’s best that you leave the task to professionals.

People with a low credit rating, who are wondering ‘How I can clean my credit?’, should definitely consider taking the help of credit restoration experts.
A reputed credit services company will be able to spot inaccuracies like:

Numerical errors and spelling mistakes – They may seem to be harmless at first, but these apparently simple mistakes are capable of lowering your credit score significantly. Because creditors handle several reports in a day, they are bound to get a few names or numbers wrong once in a while.

False charges – False charges can be penalties induced over late payments, debts, etc. that are not yours or that you have already made payments against. In addition, it is also possible for the report to feature someone else’s penalties by mistake.

Identity theft – Many Americans experience fraud or theft with their social security numbers, credit cards, and it impacts their credit report negatively. This is something that needs to be addressed quickly.

The three major credit bureaus in the U.S. are Experian, Equifax and TransUnion. All three are legally obligated to provide you your credit report once a year at no charge. It is advisable that you get your credit reports and check for mistakes and consistency.

 

Tackling Bad Credit With The Fair Credit Reporting Act

What is Bad Credit?

Bad credit is when your credit report score or the ‘FICO report’ score is below par. If you have bad credit, you will have to put up with high interest rates, and may not be eligible for personal loans and mortgages. In addition to this, you may have to face penalties as well.

What is the Fair Credit Reporting Act?

It is a federal act that promotes accurate information and the consumers’ right to keep their information private. It is primarily concerned with consumer reporting agencies such as financial bureaus.

How can this act benefit people with a bad credit score?

Every American citizen is entitled to certain rights under this act.
First of all, you have the right to know if any information in your credit report has been used against you. So, if your loan or mortgage application is rejected because of a low credit score, you will be alerted to take appropriate action.

Secondly, you have the right to know what is in your report. This can help you in two ways. First, you would be able to spot the cause behind your low credit score and work on those areas. If you have too much current debt, too many accounts or pending debts, you can focus on those issues. Second, you will also have a chance to dispute a creditor or a financial bureau regarding any false errors on your list.

A significant percentage (20{26cbae6e8c7cb8464c0e21fc068be91a2bdf946040175ac29241b37b9f11171d}) of credit reports is said to be faulty. So, there is a good chance your score is as less as it is because of inaccurate reporting or false charges.

Credit Restoration services are your best bet when you are trying to get your credit score up. The experts of such companies have the competency to spot every error on your report and dispute with a creditor or one of the three financial bureaus, which are:

Equifax

Experian

TransUnion

The reason you should take professional help is because they fully understand the extent of your rights. For example, you may not be able to distinguish an outdated piece of information on your report, which as per the act, you have the right to get removed.

A reputed credit services company handles such cases on a daily basis so they know how to dispute with creditors and bureaus. If the entries on the credit report prove to be inaccurate, the credit repair company will get them removed.

 

Managing Your Credit Scores In Your 20s

downloadAge brings with it wisdom especially when it comes to taking financial decisions. A 40-year-old may be aware about more of credit repair facts and myths as compared to a 20-year-old. However, there may be instances when people may be stuck with similar credit issues irrespective of their age.

To begin with, the key to improve your credit score is – a dynamic focus. You need to seek help from a proficient credit repair specialist and then prioritize certain things as you age in order to do away with the issues that come in your credit domain.

Things to Consider in Your 20s to Improve Your Credit Score:

In your 20s, there are specific things that calls for your attention, when it is about enriching your credit health.

Attend to the five Factors:

The first step to improve your credit score is to have a clear understanding of the rules. The actual status of your credit score is determined by five factors – debt utilization, payment history, new credit, credit length, and diversification. If you were unaware of the essential factors that have an impact on your credit score, you need to work on the strategies that will help you to take care of the five factors.

Repay your student loans:

As stated by The Institute for College Access and Success (TICAS), about 69 percent of the students left college with loans in 2013. The bottom line (which was $28,400) was actually a big burden for the salary of a fresher. You have a choice to stretch the loan for whatever time span you want to (years or even decades), but you also need to keep in mind the downside of the decision.

Adding on the interest will not only increase the principal amount and will also increase the life of the loan. This will increase the overall cost of the loan that you have taken. Paying off your loans at the earliest will lead to a lower credit utilization ratio, better and more opportunity to improve your credit, less stress on your budget, and last but not the least even more opportunities to save.

The final tip:

Credit score plays a vital role in every phase of your life whether you are in your early 20’s or 50’s and beyond. Analyze your credit score regularly to ensure that you maintain a positive credit and avoid any problems related to your financial plans.

Which Type of Credit Do I Choose

Lots of us face this question if we’re in the position to access new credit, and that is what type of credit do you choose? There are several different types of credit extended in numerous ways. For instance there are charge cards which usually don’t set a limit BUT require payment in full every 30 days. Next you have your simple credit cards, where a limit is set and you’re allowed to pay that back in minimum payments if you so choose BUT you also pay lots more interest over time. There are some credit cards that offer 0{26cbae6e8c7cb8464c0e21fc068be91a2bdf946040175ac29241b37b9f11171d} interest for your first 12-18 months so it’s best to know what to do. Then of course there is the mortgage for your home or personal line of credit. This type of credit or loan usually comes with origination fees along with interest that is paid back to the lender over time. Depending on what your current credit situation is these fees mentioned above could be higher or lower or irrelevant altogether.

Let’s discuss the Charge Card and Credit Card scenario. First off a charge card will allow you to spend what you need to on purchases. When the lender for a charge card issues credit typically there is no set limit, however they do closely monitor you’re spending to minimize their risk of loss. You do need to pay the credit used back at the end of every month in order to eliminate late fees or closure of the account. Credit cards play a different role. This type of credit issued by a bank or private lender has a set limit after signup. Meaning the lender will look at your credit score and decide how much they are willing to allow you to use before they feel you’re too high of a risk. Some of these credit cards start out low but can quickly have limits raised over time by showing excellent payment history. Remember you can roll this type of credit month to month as long as you don’t miss your monthly payments. Keep in mind you NEVER want to use more than 30{26cbae6e8c7cb8464c0e21fc068be91a2bdf946040175ac29241b37b9f11171d} of your available credit. When this happens 2 key things happen:

1) Your credit score drops no doubt about it.
2) Your now looked at as high risk to lenders by using too much credit.

It certainly is a cat and mouse game on knowing how much credit to ask for and how much credit to use – believe me I know. It can be tough. You don’t want to fall into these categories it can be hard to dig out once you do.

Finally let’s talk about the personal loan or line of credit. I have seen this type of credit become what most folks go after; I assume they just heard something and don’t really get it. When deciding what type of extended credit you need the first question asked should be what do I need the line of credit for? There are a few distinct differences you need to be aware of. If you’re doing a home remodel or need to fix some landscaping or build a garage, do you know what type of credit you need to get? A line or credit will have origination fees, interest rates, additional fees and a set term(s) for repayment. This will be true for a credit card except you can get interest free credit lines for up to 24 months in some cases. You can also get a lower interest rate depending on your credit score. Also your ability to show lenders you can pay back the debt with no stress will certainly play well for your case.

Whatever road you travel in life it’s important to be informed. It’s important to do the research and fully understand the situation you’re getting into. I included in this, we all want things yesterday and rush into situations. When we look back we all understand it could’ve been better for us had we took a little more time and did a little more research. That’s okay. Doing nothing gets nothing. Don’t expect life to just present you the answers to your questions, you need to find them yourself. Don’t think you won’t understand or can’t know. We all have the ability to find out. I hope you find your answers. Don’t give up. Only a small percent make it because only a small percent put forth the effort. It’s not science its common sense.