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4 Money Saving Tips for Fast Cash | NYC We Buy Houses

4 Money Saving Tips When You Need Cash Now! | NYC We Buy Houses

Budgeting and creating a plan on how to spend your money is critical in today’s economy. It’s important to budget your financial resources first and allocate an appropriate amount on expenses and basic needs.

But more often than not, strict and detailed budgeting is great in theory, but very difficult to actually accomplish!  Then on top of that, following through with the plan is also very hard, especially when our wants exceed our needs.

In NY, We Buy Houses

New York we buy housesBut this is just one side of the cube. In most homes, even with a stable and well-paying job to support their needs, families tend to struggle with their finances. The common factors to this struggle include mortgage payments, utility bills, credit card bills, car loan, and other type of loans.

That’s a lot of money to budget on a monthly basis. And the situation only gets more complicated when the needs and demands increases but the source of cash doesn’t. When excessive bills, past dues, and bank notices, or worse -job loss, come in the picture; what’s the point of carefully planning your expenses when the cashflow is stagnant?

4 Top Tips On Budgeting When You’re Broke

Even with limited resources or living off of your savings for the meantime, you cans still wisely budget your finances to make both ends meet, or just until you find a better job. Before you turn to a we buy houses New York company to resolve your money matters, consider these helpful tips:

  1. Categorize Your Expenses

    List down your expenses over the past few months. Separate your wants and needs. Determine which expenses should be prioritized. Knowing your priorities will help you settle what’s important first, thus creating a hierarchy of spending. The same idea goes for organizing debts.

  2. Identify Where the Spending Problem Lie

    Which stores do you frequently visit? What items do you often buy? Do you often kill time on cafes or bars? If you can cut down your coffee intake or lessen the visits on your favorite coffee house, that would help. If you can stop hoarding your favorite brand of shoes, you can really save. These unnecessary spending could use some down time while effectively sorting out your resources.

  3. Cut Down on the Little Luxuries

    With the rapid growth of technology, there are new things out there that you want to try. But before you squeeze some juice out from your savings, sit down and rethink if these are basic needs or just little luxuries you want to experience. A cable subscription with HD channels, a cellphone plan with heavy data, a high-speed internet with unlimited streaming that you don’t get to use often; these add-ons aren’t really a necessity.

  4. Be Frugal

    Nothing beats being frugal. Nothing could help you save more from the little money left on your savings than to make the most out of your money and the things you spend it on. Best example would be a Do It Yourself (DIY). If you have the materials lying around and you know how to do it, then there is no reason to pay someone else to do for you.

Here are some valuable tips from personal finance expert David Weliver.

When You Badly Need The Money Right Away

So maybe you have been keen on spending as little on your needs as much as you can, but getting both ends meet is just getting more difficult. Would you like to consider trying an alternative method?

In NYC, we buy houses from homeowners hoping to escape a spiraling situation. Regardless of the property’s condition, location, or value… in NYC we buy houses to provide relief and extend help. Receive fast cash in as little as 5 days once you agree to sell your house.

SellAnyHouse NYC is a team of real estate investors working in the real estate market for over 10 years. Our expertise on the field allows our team to formulate effective solutions to address even the most difficult housing and financial needs. If you badly need money, reach out to us. You’ll never know how effective our we buy houses New York approach is unless you give it a try.

2017-04-10T21:44:26+00:00 March 16th, 2017|Categories: Behind on Payments, Sell Your Home Fast|Tags: , , |0 Comments

We Buy Houses NYC in Pre-Foreclosure

We Buy Houses NYC in Pre-Foreclosure

A lot of Americans have a house to go home to by the end of the day and most families have the means to purchase a new home if there is a need to relocate.

However, maintaining and sustaining this property may become overwhelming for some homeowners, which could result in pre-foreclosure or even property repossession. In these cases, we buy houses in NYC when you need to sell ASAP.

we buy houses in ny

we buy houses in ny

There has been about 27% increase in foreclosure activities as of October 2016. The Foreclosure Market Report discussed in realtytrac.com, estimates a total of 105,481 U.S. properties with foreclosure filings; from default notices to scheduled auctions or bank repossessions. This is by far the largest increase since August 2007 based on the month-over-month activity from the same report.

Foreclosure is a legal process that will allow the mortgage lender to seize a property in order to pay off what is owed. However, pre-foreclosure cases don’t necessarily end up with the lender winning the case. Learning how to stop pre-foreclosure proceedings may help you keep the house a little longer or save it from forcibly being taken away.

How To Get Out Of A Bad Situation

Before you decide to just sell the house with a ‘we buy houses New York’ company and stop the proceedings altogether, know how you can battle the foreclosure of your property.

Work It Our With Your Lender

It’s your responsibility to pay for the monthly mortgage, but if for some reason you are going to miss a payment, contact your lender. Explain to them your situation and why it isn’t possible to get your check in on time. Most financial lenders would rather work it out with the homeowner than have to resort to legal proceedings.

Foreclosures require them to spend a good sum of money, time, and the hassle of dealing with a case. If you are suddenly faced with a denied claim from your medical insurance or are currently dealing with a judgment case, it would be best to let them know. They may voluntarily offer a workaround that will benefit both parties.

Deed In Lieu of Foreclosure

This is basically the same as a foreclosure, the only difference is that the homeowner signs the deed of the house back to the bank or lender voluntarily. And the impact on your credit score affects you just as a foreclosed property would. Some creditors are hesitant to take back a property through a deed in lieu of foreclosure due to several reasons:

  • The possibility of homeowners suing later, claiming they didn’t understand what was happening.
  • They will have to pay a second or third mortgage if the homeowners had taken out second mortgages.
  • They want to make sure the homeowner’s financial distress is actually true.

Quick Home Sale

When all efforts fail and your property is foreclosed upon, the bank will have to turn right around and put the property up for sale in hopes of quickly finding a buyer to recoup their lost investment. With this thought in mind, these lenders would prefer a quick home sale initiated by the homeowner than them doing it themselves, as they end up spending a lot of money and time for the pre-foreclosure and foreclosure processes.

If you had the means to sell your house in New York fast, would you consider it?

SellAnyHouse NYC is a home buying company, one that has over 10 years of experience in the real estate market. We buy houses in New York City, and its surrounding boroughs, from homeowners in distressed situations and from families with financial challenges.

Keep in mind that we are a real estate investment company that has helped solve housing problems by offering fast cash, paid in full, and zero fees when we buy houses in NY. Why wait for the foreclosure proceeding to unfold when you can get a fair cash offer from SellAnyHouse NYC?

Ready to sell? Contact us today!

2017-03-16T17:40:32+00:00 March 14th, 2017|Categories: Bankruptcy, Behind on Payments, Pre-Foreclosure|Tags: , , |0 Comments

When A Lawsuit Threatens To Take Away Your Property

When A Lawsuit Threatens To Take Away Your Property

As law abiding citizens, facing a lawsuit isn’t a usual occurrence in our life. In fact, most of us will never have to worry about hiring a lawyer, responding to a judgment case, appearing in court, or looking for evidence to prove innocence.

But what if you receive a notice saying that a case has been filed against you by a debt collector? Imagine dropping your favorite coffee cup after reading such out-of-the-blue yet shocking letter.

In a press release issued by the Federal Trade Commission dated March 2016, debt collection complaints is on the top spot in the complaint categories. Some 897,655 consumer complaints or 29% of the total number were about unpaid debt.

While this could be frightening news, the best way to handle it, after the adrenaline rush starts to wear down, is not to panic. There are positively doable ways to handle the matter. Get through this ordeal and learn how you can protect and defend yourself at the same time.

Respond | Verify | Prepare | Defend

we buy houses New YorkDon’t complicate a simple debt collection case, but it doesn’t mean you have to be complacent about it. There is a step by step action course you can follow through to make sure the case doesn’t go out of hand.

Your Response

For every question there is a corresponding response. The complaint case needs a proper response from you. From a post in creditinfoceter.com it says:

The most important thing you can do is to Answer the Complaint by the due date. Once you’ve identified the paperwork that constitutes the complaint, you must answer it. You merely reply by stating whether or not you agree with the statements in the complaint and why. You must do it quickly, you only have 20 to 30 days (depending on your court) to answer the complaint. If you do nothing, you automatically lose and the collection agency has a judgment against you.

Seek a lawyer’s legal advise if you are unsure how to respond or what to write in your response.

Verify The Complaint

Demand to see the original signed agreement and detailed balance sheet of all the payments and deductions made. The debt collector’s documentation may not be adequate since it is possible that the record have been passed down several times before being bought by the collections agency.

It is important that you can verify the amount being collected, compare it with your own records (if you have one), to any receipts in your possession and your own copy of the agreement. Anything you can use to question the validity of the debt is useful when the case progresses.

Prepare Your Next Action

Also from the same post in Credit Info Center, additional action plan has been provided.

Many courts will let you handle everything through the mail. There is no need to take time off of work to personally file your answer. Send everything certified mail, return receipt requested; one copy to the court, one copy to the lawyer representing the Plaintiff.

Another good idea is to include a self-addressed stamped envelope and one extra copy with your answer to the court. In some cases, if you made a mistake in your answer, they will let you know immediately. If nothing else, they will send you an endorsed-filed copy of the filing so you know it was entered. One of our readers received a hand written note from the clerk asking my reader to call so the clerk could help correct the filing.

Your Defense

In this last step, it is important that you still seek the professional advise of a lawyer. They are the most knowledgeable body to help you win the judgment case. There is no replacement of the legal steps they can guide you with. For an in-depth discussion of this matter, refer to this link.

On the other hand, still from the same post, additionally it says:

Most often you will be presented with exhibits (documentation which serves as evidence) in the case file, such as credit card agreements and affidavits of debt. Usually you can object to this evidence and get it thrown out of the case based on hearsay. If you are successful getting this evidence thrown out (struck from the records), the Plaintiff will have no evidence against you. If they have no evidence, they cannot win.

When A Lawsuit Threatens To Take Away Your Property

When Things Get Out Of Hand

What if finding the right lawyer and hiring one does not fit in your budget? What if you’re burnt out after dealing with several other debt complaints? What if you had wished for an escape plan from all of this and start fresh somewhere else?

Well, running away from a debt you owe isn’t really a solution. It could only worsen the situation. However, here at Sell Any House, we can offer applicable solutions that may clear off the muddy puddle you’re in.

We are a home buying company specializing in providing alternative options for homeowners struggling with low home values, bad tenants, no equity, or with an unwanted house that will not sell.

If you are willing to downsize to come up with the needed funds to settle the debts, let Sell Any House help you with your “sell my house fast in NYC” need.

We care. We listen. We provide help any time.

2017-03-16T20:26:13+00:00 February 17th, 2017|Categories: Behind on Payments|Tags: , , , , |0 Comments

Behind On Payments? Take Substantial Actions!

Behind On Payments? Take Substantial Actions!

NYC Behind on PaymentsIt seems debt is the modern day plague that continuously hunts every house owner, apartment renters, condo tenants, and business owners for most of their life. It is a passing ailment, but one that greatly affects the lifestyle and living capacities of most Americans today.

Being behind on payments either on your rent, car loan, mortgage, credit card loan, utility bills, or property taxes will not just give you a disturbing headache but will also threaten the comfort you and your family is enjoying.

In the statistic shown on realtytrac.com, in November 2016 the pre-foreclosure percentage is at 26.6% along with houses being auctioned at 36.7%, and bank-owned at 36.7%.

This is a pretty alarming number, especially for those who are heading down the road of filing for a foreclosure due to delinquent bills.

Effective Planning Sets The Path Right

Occasionally, most of us go through some form of financial crisis. This is a sad but factual truth, which happens everyday where people struggle to make ends meet despite having to slave after two different jobs or work on extra shifts.

Our financial consumption both increases and decreases over time, and it is within our hard work and perseverance that we could make it through until the next set of bills come in. So how do you effectively plan to help eliminate past dues and unpaid payments?

Understand Your Current Financial Status

Making a list of the items you need to pay for on top of the bills already lying on your study table can be frustratingly unhelpful. But this must be done. Assessing how deep your debt is will help you determine the action steps you are willing to take.

Take for example the old but helpful Thesaurus. When you use it to look up for a meaning of a word, it doesn’t just give you what you want to know, it also gives you alternative words you can use, which may help you construct better sentences. The same idea applies to listing your liabilities and the inventory of your assets.

Set Your Priorities Right

The most tempting humanly desire is to want something you can not afford. If you are about to drown in payments you haven’t paid off yet, any new expenses, in whatever form or kind, must be put on hold. Don’t get tempted.

This is often the hardest part, but by weighing in the weight of your needs versus your wants, figuring out where your funds should go wouldn’t be much of a task. Setting priorities and knowing which things come first will ultimately lessen the chances of having past dues.

Plan The Next Move

Now that everything is presented in a better light, arrange the bills according to which need to be paid first and account them on every possible income. Then the reduction of expenses, in any way possible, will come next. By reducing your expenditures, it doesn’t just help save for paying the current bills, it can also help take care of the upcoming bills.

Also, if time allows it, finding more income generating work and activities would bring in a much needed help. Don’t shoulder the load on your own. Whoever is capable of generating an income in the house must contribute.

Check this link for ways to prevent foreclosure.

 

Sell House Fast New York City | Behind on Payments

Sell House Fast New York City | Behind on Payments


Consider Other Options

The overwhelming feeling of too many bills to pay, bank notices, and collections reminders sometimes lead to homeowners giving up their homes to relocate or downsize, if it meant gaining the necessary funds to pay off the outstanding statements.

While some can conveniently dispose of an inherited property overnight, there are others who turn to companies that promotes “sell my house” services for homeowners who are in need of a quick sale.

Unlike most home buying companies, Sell Any House genuinely cares for its clients. With the usual 5-day processing, houses anywhere in New York is sold fast, leaving the home seller with a guaranteed fair cash-out, paid in full and sent directly to their bank accounts.

It is a favorable deal in the most unfavorable circumstances.

 

2017-03-01T21:28:21+00:00 January 19th, 2017|Categories: Behind on Payments|0 Comments

4 Effective Ways To Control Your Medical Bills

When on your way to recovery from a major surgery or trying to regain your strength from a tight battle with a viral infection, the last thing you’re supposed to worry about is a medical bill blowup.

According to Medical Billing Advocates of America, over 80% of medical charge contain errors, either due to an honest mistake, doubled fee, or abusive charging practices.

In extreme cases, the patients do recover well, but not from the overwhelming medical bill that won’t disappear unless paid up to the last cent.

So what solution could best resolve this? Maybe a loan to the bank, but only if the bank sees this as reason enough to grant your request. Loan sharks will absolutely offer no help.

Tips to keep medical expenses downHow else can you swim away from this sinking ship? Some are forced to liquidate assets just to come up with the needed funds to pay the medical bills, while monthly dues continue to come until one day, they find themselves drowning in debt.

What Are Your Options?

However, you can take a pause and breathe. There are clever ways to control your medical bills and do away with the overwhelming numbers.

Do You Qualify For A Discount?

The upfront way to saving money is through taking advantage of discounts. When a hospital offers to give a 20% discount on some of your lab tests if your pay up front, why not take advantage of the amount you can save if you have the money?

Doctors are humans too. They have seen the worse and will weigh in your capability to pay if you share a little background about yourself. Though this is optional, but doctors do consider your financial status.

1. Charity Care Programs

There are some patients that are either uninsured or underinsured who need immediate medical assistance. Both government and non-government organizations have programs that assist anyone who can’t afford an expensive medical care.

One charity care program found in NYC is The BronxCare Network. Their financial aid covers residents within the Institution’s service area which is defined as the five boroughs, to include The Bronx, New York, Queens, Kings and Richmond and the county of Westchester; for emergent services all New York State zip codes.

2. Ask The Billing Department

Even if you are not an expert on medical terms, if you find questionable figures in your bill, talk to the billing staff. They are more acquainted with jthe terminology you aren’t familiar with. Through them, you can verify if you have been billed correctly, ultimately eliminating an incorrect charge or overcharge.

3. Understand Your Procedure

By knowing what procedure you will be undergoing means you can have an estimate of how much you will be billed for, or at least do some research beforehand. By doing so you can easily spot irregularities, if there are any.

Revisit Your Insurance Policy

It takes patience to read through every word in your insurance policy, but it will help you control your medical bill. Terms such as Deductibles (the amount you pay out of your pocket before the insurance coverage), C0-insurance (a percentage you have to pay for a certain type of care), or In-Network (clinics/hospitals covered by your insurance) must be familiar to you.

What Happens When Medical Bills Are To High To Overcome?

It’s everyone’s worst nightmare; medical bills that are out of reach. They pile up and become insurmountable. One option to being saddled with huge debt is liquidating assets and getting out from under those bills.

We see it often across the United States, and as a leading we buy houses company, we are no strangers to those looking to sell a house fast. We deal with many families looking to sell their homes, no matter the condition.

In offering a quick and timely solution, we provide solace from the vice grips of medical bills. When all this fails and you need a company that can bail you out. We Buy Houses NYC is the premier company to partner with for a quick home sale.

 

Medical Emergencies | We Buy Houses NYC

Medical Emergencies | We Buy Houses NYC

Looking For a Trustworthy Real Estate Solution

Give our Rapid Real Estate Buyer Team the opportunity to analyze your home and give you a fair market offer. All  necessary repairs and cleanup will be handled by us, and there are’n any closing fees.

Trading your home to escape medical bills is not an easy decision, but we’re a team that has delivered satisfaction to many in need. Cash can be transferred in as little as 5 business days after we make our offer.

Learn about how we buy houses in New York City FAST!

2017-03-01T21:18:40+00:00 December 20th, 2016|Categories: Behind on Payments|0 Comments