Caraballo & Associates

Carve Out Your Duck!

No this is not something sick or perverted. It’s something I thought about the other day while I was having a conversation with someone that was just starting to blog. They were talking about how they did not know which way to go with their blog, what to talk about, if they should cover more [...]

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Facebook Friends…Interview with Toni King

I Have added a new series to my blog and it has everything to do with you. I am conducting audio interviews for me (and the world) to learn more about what you do and what you stand for. In this interview, I am speaking with Toni King! She has been an active facebook friend [...]

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Passion or Practicality?…That is the Question

As bad as the economic downturn was for many of us (and believe me it was BAD for a while there) I was provided with a great opportunity. The opportunity to go back to school and complete my (traditional) education. I call it an opportunity because after so many years in business, finance and training, [...]

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My Secret Weapon for Credit Repair (At Least One of Them)

For many years one of my biggest niches in the mortgage industry was helping people who did not qualify for a home loan improve their credit standing in order to become approve-able. It took me some years and a lot of studying to get to the point that I could look at a credit report, [...]

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Should I Accept My Loan Modification…Part 6 (FINAL)

I feel like I have writing this series for a year. Actually it has been close to half a year. My first post on this subject was in November of ’09. I actually started looking into it a few months before and sat on the decision for a while before I decided to take the [...]

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The Biggest Problems with Credit Counseling Agencies (Part 3)

The next problem I have found with most of these programs is the issue of due dates. Based on your monthly ritual of paying bills, you already have a really good understanding of due dates. Every credit card you have has a different due date and maybe even different grace periods. This is one reason [...]

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The Biggest Problems with Credit Counseling Agencies (Part 2)

Now that we know what these programs are, let’s get into the deeper, scarier issues. The first real issue I have found with these types of companies is an issue of responsibility. You are giving money to a third party on a monthly basis in order for that third party to make your (hopefully adjusted) [...]

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Should I Accept My Loan Modification…Part 5

So after I spoke to the HUD Counselor, I waited a couple of weeks and then called the bank for a complete update. (I believe I have done all that has been asked of me and I think it is time for SOME kind of answer, or at least an indication of one). I called [...]

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