|
Double ii's Services Home Contact About Frequent Questions The Funding Process Restrictions & Terms Funding Options Application Form Articles
Learn how to write for financial success or pleasure!
Financing Options Mortgages Loans Legal Settlement Advances Pre-Settlement Advances Class Action Advances Attorney Loans Annuities Structured Settlements Lotteries Other Options Lump Sum Inheritance Real Estate Equipment Leasing Your Credit Taxes Fundraising Identity Theft College Grants & Scholarships Investing Notes Health/Dental/Vision Care Legal Resources Insurance Options Auctions Excess Inventory Business Finance Terms/Restrictions Need a Job?
Resources
Tips
Why not use iCop approved companies that are known as a reputable companies? Click on the
iCop seal to find out more.
Struggling? Consolidate and ease the burden.
|
What Was That Charge?? How to Correct It.
Check your bank and credit card accounts daily! Report any charges that you do not recognize immediately - you may be a victim of identity theft, and you can hopefully reverse the fraudulent charge. I found a charge of $703 made in my account on a Sunday (I wanted to make sure a check had cleared - but saw a low balance that could not be right) and I did not make the charge - it processed on Friday. I called my bank immediately and my card was canceled right away, and they told me that the charge was made in a store in Texas - I was in Colorado the entire time, and had all receipts for the charges that I did make. I called the business in Texas (they had a website that I found on an Internet search). The purchase was made over the Internet on Thursday, and the part was picked up at the store the next day, Friday. I asked what matching information they had - the thieves used my credit card number, my address, my phone number, my name - but not the 3 digit number on the back of the card. The store owner asked me if I was white or black, which I thought odd, but said white. He said the people who picked up the part were black. A good clue! I called the bank with the information and they began an investigation. The bank provisionally credited me back the $703 within days. Having made the purchase as a Visa credit card, I was covered by the fraud protection. I made a police report as well, and the officer said there is a sophisticated device that is handheld - it scans a credit card and takes all information on it. Then the thief only need to pull up phone and address information - easy to do if you are in the phone book, or have information available on the Internet. The only protection you have is to monitor your accounts diligently and run all your transactions as credit (not debit - the credit card fraud protection is not available unless run as credit). Keep track of who gets hold of your card, and if possible do not lose sight of your card when you use it - don't let anyone take it away or under a desk area to process it - have it processed in front of you. And as soon as you find a discrepancy on your account, report it to the bank or credit card company immediately - and cancel that card. Give all information you can, and also report it to your local police. Also - be careful of where you publish your personal information - it's probably a bad idea to publish your address in the phone book. What You Need to Know About Advance Funding Insurance companies often take up to 6 months to pay you your insurance settlement. Some settle and pay quickly, while others hold onto your funds. Many people assume the money is coming quickly - and are often in for a rude awakening. While you wait to get paid, you may be in recovery, unable to work, out of a car, needing surgery, unable to pay your credit bills, house bills, etc. There is help available. In cases like this, funding services can advance you cash while you are waiting for your settlement. Soft tissue injuries often cannot be advanced on, but depending on severity of your injuries, advances are often able to be funded in 24 hours. This can be a fast, easy process and you can be out of financial trouble immediately, given time to get you over a crisis, and giving you more time to settle so you need not accept a lesser amount. You should weigh out the pro's and con's of any type of advance. A funding advance is much faster than a loan, with less hassle, and no credit checks are required to qualify you with (unless in the case of a potential bankruptcy in your case). What happens when you get caught up in a lawsuit or have settled a lawsuit (or insurance settlement), but you can't touch the money? This might be due to an insurance company legally holding back your payment for up to 6 months, or perhaps you haven't settled the lawsuit yet, or you got stuck with a settlement that pays you out in the future (never a good option to accept this!). Perhaps you have bills to pay and need to get on with your life - but now you are stuck with no money because you have to wait to get paid. Don't despair just yet - there are options for you. One option is to ask a family member to front you some money while you are waiting, and agree to pay him back when the settlement comes. In the same way, funders are now able to advance money to you for your settled or pending lawsuit or insurance payment. Work with ethical companies - expect to pay no up front fees. The interest rate should ideally be in the range of 2.99-6% - if higher, try another funding company. All payments should be taken out of the settlement when it is paid. This process is faster than a loan, secured only by your lawsuit or insurance settlement, and the application is easier. You should find out all the terms prior to signing a contract, and be sure to find out when you are to receive your payment. If it is not fast, try another funding company - some funders are able to advance cash quickly, while others get bogged down. Be wary of people who immediately "guarantee" acceptance of your case (appraisers, underwriters and attorneys must look the case over to verify if the case is solid). If you are "guaranteed" a rate much under 3%, be wary - it might be someone just getting you "hooked." Anything over 8-10% - find another company that advances for less. No one should be promised any specific rate until the case is looked over, and comes out of underwriting. You can be quoted a "probable" rate which can be different when underwriting processes your request. Once the strength of your case, along with its probable worth, the amount of time into the future that that the case settles is figured out, this will determine your fees, your interest rate, etc. If your rate is set high, ask why - it might be the company is expensive, or it might be that your case is too risky . Advance funding is generally non recourse - meaning if your case doesn't win, you don't pay back the funding advance. There is no risk to you. Make sure this is guaranteed in your funding contract. Pending lawsuits are generally advanced up to 10% of their probable case worth (not the worth your attorney indicates) - and many times part of the full potential amount is advanced until there is a surgery, or doctor assessment, or an MRI, or a doctor's assessment that verifies the case worth. If you need more cash later, see if you can get more money from the same company that funded you, since they have your paperwork. If they won't advance more money to you, then try to get copies of your paperwork to send to another company (once you explain that you already had an advance from another company). Many times another company will offer to buy out the first advance before they fund you. Settled cases can normally get you an advance up to the entire amount of your settlement (minus fees). You can opt to take a lesser amount at first, try to wait for the settlement, and then take out another advance if you need more. Talk to your funder to feel out your best option. Be careful - there are a lot of scammers, or perhaps well-intentioned agents who just don't understand the business - they can promise you more than they can do. Some have taken paperwork, promised clients funding at less than other companies, but then after the contract is signed, cannot produce the funds, leaving the clients waiting and in limbo, unable to cancel the contract so they can pursue another avenue. I've heard many awful stories of people getting "taken" by agents or illegitimate funders. Do your due diligence with your attorney. Paulina Roe is an ethical funding agent, making sure clients are funded as fast as possible, at as low a rate as possible. More information can be found at http://www.advancelawsuitfunding.com
Needing Your Entitled Money Now?
If you are waiting for money from a lawsuit or insurance payment, Get an advance on your pending lawsuit or insurance payment. This can buy you time by giving you and your attorney more time to fight your case for its full worth. It can give you money now to pay bills that are piling up. You can be less stressed and get those creditors off your back, or allow you to get needed medical attention, or perhaps pay for a vacation you have committed to (yes, some people have taken an advance for this purpose, knowing there was enough in the settlement to do this). Don't get pressured into settling early for less - your case worth should not be discounted just because you can't wait for the settlement. Take out enough of an advance to get you by until you can get back on your feet, and to allow you to get the pressure off of you - the other attorney can sense when you are getting desperate. With an advance, you need not feel or be seen as desperate to settle. If you have exhausted other options of getting money, you can apply for a lawsuit advance. No one in your family or circle of friends need know you are in need of money, and no straining relationships by asking for a loan. No bank loan process to go through - taking an advance against your lawsuit or insurance payment is a much easier, faster, and more streamlined process. Lawsuit funding advances can be fast (as fast as 1-5 days), with low rates (as low as 2.99-6%), and at no risk to you (if your case doesn't settle or win, you don't have to pay back the advance, known as non-recourse). This is a better option than a loan - faster, easier, lower cost. We work hard to get you the lowest rates, and the fastest advances. We care about your situation - each case is unique and is treated as such. Every case is looked at individually, without a generic formula. We will do our best to get you the advance you need. Paulina Roe is an ethical funding agent, making sure clients are funded as fast as possible, at as low a rate as possible. More information can be found at http://www.advancelawsuitfunding.com Given Up on Asking Relatives for an Advance on Your Settlement? Advance lawsuit funding is an old concept - people have lent relatives and friends money to help them get by until a lawsuit or insurance settlement pays - and then the relative or friend gets paid back from the settlement. Now anyone who qualifies can get an advance from funders - making it less personal, causing less stress on relationships, and allowing those without the option of friends or family to get the monetary help they need. This type of advance has only been available since the 90's - once court constraints were figured out in how to handle an advance. There were many instances of funders getting hit with cases that didn't pay back - and that put several out of business. The advance process is more streamlined now, more secure, and faster. There are funders who get inundated with requests, and others who can handle the amount of requests that come in. The contracts are tighter, and there are less instances of fraud by the client. In contrast to a loan, an advance will take the advanced funds plus fees out of the settlement at the time it is awarded, and will not take anything out prior to the settlement being paid. You do not have monthly payments to deal with, and there should be no up front fees. It is not borrowed money, but your entitled money that is coming to you in the future. It is being advanced to you while you are waiting for your settlement. Unlike a loan, advance funding is at no risk to the client. As an added benefit - if for some reason the lawsuit or insurance case doesn't win (and each case is scrutinized to make certain it is strong before being funded), you need not pay back the advance - this is called non recourse funding (all the risk is on the funder). As long as your lawsuit looks strong to win, that is the only "collateral" that is needed to back the funding advance. Your credit report and rating is not a factor in advancing you the funding - it does not set up an interest rate, or deny you funding (unless it shows you have a bankruptcy situation that might jeopardize your advance being paid back). No more asking relatives for money (to pay off credit bills, make house payments, etc.) to get you through bad financial times. If you need an advance on your pending (or settled) lawsuit or insurance case, be sure to look into getting funded for your settlement. It can make a difference between your financial health and your relationship with family and friends. Paulina Roe is an ethical funding agent, making sure clients are funded as fast as possible, at as low a rate as possible. More information can be found at http://www.advancelawsuitfunding.com Are You Settling For Less Than You're Worth? Lawsuits and insurance settlement awards - are you getting pressured to settle for less than what your case is worth? When you are involved in a lawsuit, everyone is looking out for his or her best interest - not necessarily yours. The attorney often wants his payment as soon as he can get it, and will settle for less if he can turn out more cases in less time. The opposing party always wants to pay as little as possible, and get the case over with.. You, on the other hand, may be looking at bills piling up, and can't afford to wait the time it takes to fight for the case worth, especially if your attorney isn't motivated to fight for you. You should not have to settle for less - the attorneys and other party know that if they can make you hang on long enough, you will finally settle for a lesser amount, just to get some money. They figure that you will eventually give up and give in - they will be able to pay you less than you originally demanded, and they have been able to hold onto their money, gaining interest, the entire time of the wait. You have options - you can take the lesser settlement, be done with the case, and move on with your life. Or you can borrow money from family or take out a loan against your home. Or you can get advance funding on your pending lawsuit or insurance payment. This option has been available for years - family members have been loaning money to others with the promise of being paid back as soon as the case settles and pays. In the last decade or so, funders have stepped up and are advancing cash to people, putting a lien on the lawsuit settlement terms in order to be paid back. No money paid up front, it allows the client to wait for a larger amount, allows a client to receive proper medical attention while waiting for a case to settle, or to get ahead on bills, or to gain time and resources to properly fight for your rightful award. The advantage to a lawsuit advance is that there is no long process, as in applying for a loan. Your credit rating is not a factor, and the advance can get processed and in your hands within days. The application process is simple, and no up front payment is required, or should not be required (if it is, run!). Look for a funding company that will work with you fast - not string you along for weeks. Look for low rates, nothing in the 10-15% range - that is gouging and when you need money, you do not need to be taken advantage of. Make sure all terms are explained to you up front, so there are no surprises. Advance lawsuit or insurance funding is an option that can help you get back on your feet - buy you the time you need to get your life, health and finances back in order. Don't settle for less just because you are being pressured - fight for your entitled amount. Paulina Roe is an ethical funding agent, making sure clients are funded as fast as possible, at as low a rate as possible. More information can be found at http://www.advancelawsuitfunding.com Relaxed Restrictions on Settlement Funding We have been restricted to certain settlement situations – high amounts, certain situations not "doable" – and now we are able to look at more situations outside of these restrictions. Some of the changes are:
=> Amount of settlement and amount requested is dropped to $1000
for cases.
We are still limited in taking no cases with Social Security, no cases in which an individual or small company is sued (they often cannot or do not make the payment). Many workman's comp cases are not doable, as most slip and fall cases, but there are exceptions, so we'll look them over and see, case by case. If you or someone you know is looking to sell off part or all of a settlement or annuity they have or are looking to win, let us see if there is funding we can do for it. P. Roe is a funding agent and is always looking for the best deals for clients - and
the newest options. See more at
http://advancelawsuitfunding.com/settlementfunding.html
Are Your Holiday Bills More Than You Can Handle? Did you go into debt over the holidays, and now need to scramble to pay all those bills? There are options if you look hard enough.
If you have items you can sell, try selling at
eBay
If you have money coming in periodically, like a rent payment, a note you are holding (perhaps carrying someone's mortgage), a lottery, a lawsuit or insurance payment that is owed to you - you can often get an advance on these situations and get back on your feet financially again. There are more situations you may qualify for - more are opening up all the time. Social Security advances are not as option, however, nor are pension plans at this time - you'll have to keep waiting on these. Ohio prohibits lawsuit advances - so other options need to be looked at there. Some helpful sites are below: Advance Lawsuit & Insurance Funding
You might want to cash out bonds if necessary - or use your savings to pay off debt. It's far better to pay off debt with your money than to pay the high interest rates. If you must go into your 401K plan, make sure you know the terms and how much you'll lose, or be taxed on. You need to get your credit situation in control - talk to the credit card companies you have cards with - try to talk down the interest rate, the payment schedule, or try to negotiate a settlement to pay it all off - perhaps in a few payments. More information is here. Perhaps you should look for a second job, or for a better job that pays better. You can find out more about job hunting here. Don't try a payday advance company unless you know you can pay off the debt immediately and within their terms - people get into so much trouble when starting to use these companies - it's usually not worth it unless you can guarantee the payment in your own mind and deal with the loss in interest, and any penalties. You might need to find out more about legal options - find out more here: Paulina Roe is an ethical funding agent, making sure clients are funded as fast as possible, at as low a rate as possible. More information can be found at http://www.advancelawsuitfunding.com or call 888-414-4260.
Relief for your back & neck when using a laptop, and eliminate the heat
|
Double ii's Services
888-414-4260
Mailing Address:
P.O. Box 631746, Highlands Ranch, CO 80163
Email
Privacy Policy
About Us
URL: http://www.doubleii.com/articlefundingrelax.html