Funding Solutions

Need to Sell Off Your Things?

2007-01-20T08:30:00.000-07:00

Perhaps you are in so much debt that you need to sell your belongings. Sometimes it's all people have left, and may give a glimmer of hope. You can sell your things by advertising on classified ads - but the newspapers are a hit or miss proposition. You usually have to spend a lot in newspaper advertising to get any results, and run the ads several times. It's tough to figure out the exact category to place the ads into - some people might look for such item in a certain are, others in a different area. If you are trying to sell things to cope, you can't afford to pay to advertise.

You might try a garage sale, but don't expect much profit. It costs money to set up in a flea market, though it is a god way to showcase what you have.

Online auctions and classifieds can work pretty well, if you target the right audience. There are many free classified advertising places on the Internet. I haven't found paid classifieds to work any better than the free ones, in all truth. Auctions should also be pretty stable to be effective - many have come and gone, causing people to waste a lot of time writing up their ads and bid, with no results. The best auction place is eBay, and the cost isn't bad - just make sure to have a very good write-up for your items, and be prepared to ship them. After all,
people will buy almost anything - just this week common snow from Colorado sold for $200.

More on Auctions at http://www.doubleii.com/auction.html

Free Classifieds and Advertising Avenues at http://www.doubleii.com/adclassifieds.html

Have You Been in an Auto Accident?

2006-10-06T14:47:00.000-06:00

If you have recently been in an auto accident, you might have
to wait for awhile for your insurance payment. Did your car
get totaled? Did you get injured? Do you need that
insurance money now?

Insurance companies have the right to wait up to 6 months
to pay you an insurance settlement. Right when you thought
you could pay off your mounting bills since you were not at
fault, you find out your insurance payment is dragging out.

What would you do? Perhaps you are unable to work, or you
get paid once monthly, and cannot wait until your next pay
check to pay the bills, or to go to the doctor.

If you are able to work, you could try a payday loan to front
you some cash to get by (only up to $500, but make sure you
fully understand the terms before you agree to this – it may
be a bad deal). You could approach family member for a loan –
but borrowing from family could strain relationships, especially
if the money isn’t repaid as agreed. You could refinance your
home, but that might also take awhile, or be a problem if your
credit isn’t good.

Another option you might not realize there is, is that you can
get an advance on your insurance payment. Your credit isn’t
an issue (unless you are in bankruptcy), and you can get an
advance in as little as 24 hours. The red tape isn’t nearly as
intensive as applying for a loan, and the repayment is
secured only by the insurance settlement that is to be paid to
you. You have no risk – it’s non-recourse funding, so if your
insurance doesn’t pay, you don’t have to pay anything back.
Real injuries (not soft-tissue) have the best chance of receiving
the funding.

Now you see you have some options – don’t get more
stressed out than the accident has already caused you to be.
See what option works out best for you and take care of
your financial issues.

See more information at
http://advancelawsuitfunding.com

Non-Recourse Funding

2006-09-13T12:34:00.000-06:00

Non recourse funding means that there is no risk to you. It means the funder assumes all the risk in the case that whatever you are taking a loan or funding against falls through. If you are trying to settle a lawsuit, and take out an advance against the lawsuit, but then you end up not winning the lawsuit, and it doesn't
pay - non-recourse funding means you do not have to repay the advance or loan. These types of conditions are rare in most lending situations, but should exist on a lawsuit advance agreement. Make sure you work with a funding company that offers non-recourse funding for lawsuit advances, or you can get stuck with paying back something you cannot pay back. There are plenty of other funders to contact that
do offer non-recourse advances, so don't get locked into one that doesn't.

We offer non-recourse funding for lawsuit and insurance advances.
http://www.advancelawsuitfunding.com or call 888-414-4260

Calling in Checks?

2006-09-07T22:25:00.000-06:00

Be careful when you call in a check, or when inputing onto a secure order site. You need to be very careful to write or repeat the check routing numbers from the bottom of the check correctly. The routing numbers must be exact or your charge may never go through, not to mention you might send it to another account, which will, at some point, investigate you and you may be liable for the bad transaction, not to mention getting a late charge dinged onto the payment from the company you tried to pay.

You need to make sure that the check number on the top right matches the last of the routing numbers on the bottom of the check. If it doesn't, the payment again won't go through on a physical check you turn in somewhere.

Check your balances carefully with each payment you make. If payment was made through a website, or given over the phone, the person who keys in the check payments may get the numbers wrong by mistake. This happened to me on a $99
check that was actually cashed for $990.20 - and my account was overdrawn! There was a lot of hassling to correct the mistake, and get funds wired back in to cover the costs of the other incoming checks I had outstanding, coming in. Be certain that most institutions will not work this fast, and will not wire the funds back so quickly - it is likely an investigation will take longer and will take longer to reconcile a refund to your account.

Make sure that anyone who has regularly cashed your check payments, whether on a monthly basis or on a single transaction, has the correct routing number and amount. Check your accounts to make sure the checks are cashed in the amounts you authorize, and make sure that it is cashed within days of your expectation of it cashing - to make sure the payment has gone through as expected.

Read more about funding situations at http://www.doubleii.com/fundingsolutionsletter.html

Foreign Lottery Scam

2006-08-31T12:20:00.000-06:00

If you get an email about winning an overseas lottery - discard it! It is certainly a fake, and requires you to wire or send money in order to "release" the funds to you. You can bet you'll never see your money, or the lottery money. Also, don't bother funding agencies with a request to either lend you the "release funds" or get an advance on the amount you were told you would win. They won't take it seriously,
and won't take on a case out of the U.S. in most cases. If you truly feel it is real, have your lawyer look it over and check up on it. And think - when did you ever enter into such a drawing?

If you have a legitimate U.S. run lottery you won, and are getting installment payments, but need future installments paid now, see http://advancelawsuitfunding.com/lottery.html

Your "Comments"

2006-08-02T08:55:00.000-06:00

If your comments are legitimate and useful, as in commenting on the blog, I will approve it. If it is a cheap means to promote your own site, using a form letter I see over and over, it will not be published. When someone tries to promote his own site by writing a very bad, unrelated comment, it is just not professional. Please refrain from sending these "comments" - you're wasting your time.

On Top of New Developments

2006-08-02T08:42:00.000-06:00

We pride ourselves in being able to offer the newest industry trends in the funding industry. We will update our site to include any and all new developments that we can work with.

Need more funding after a prior advance, or a lower interest rate on a prior advance? We'll try to buy out your prior advance and work out a new advance, giving you more if you wish, and trying to lower your interest rste.

Need surgery from your accident? We look after your needs to try to help you - get your needed surgery or medical attention, and thereby strengthening your case. Once your case is made stronger, you can get a bigger advance if you need it.

For more information, go to http://advancelawsuitfunding.com or call 888-414-4260 to talk to us.

Need Your Insurance Settlement Now?

2006-05-20T20:43:00.000-06:00

An insurance settlement may take time to pay out - once settled, it can legally take up to 6 months to pay. If you are counting on your insurance settlement, but have to wait longer than you had anticipated, you might need to consider an advance on it. If you were in an auto accident and need medical attention, can't work until you recover, your work is not compensating you for your time off, and you have bills to pay, but have to wait for the insurance settlement to pay you, there is the option of getting an advance on a portion of the insurance settlement. See if this can help you out, give you some breathing room to get by until you are back on your feet. We'll discuss this option with you.
http://advancelawsuitfunding.com or call 888-414-4260

Lawsuit Settlement Funding

2006-05-12T13:41:00.000-06:00

Lawsuit settlement funding is available to those who are
expecting payment from a lawsuit settlement or an
insurance settlement, as long as the case is strong enough
to win a settlement.

Lawsuit settlement funding may be a good option for you,
if you are strapped for cash and need money now. Lawsuit
settlement funding can bring you needed cash almost
immediately, and costing you nothing up front. It is faster
than getting a loan, and the process is easy, with little or
no red tape involved.

Lawsuit settlement funding is non-recourse, so that if
your lawsuit doesn’t settle, you need not pay back the
advance. Your case is scrutinized to be strong and likely
to win before it can be funded.

Lawsuit settlement funding is paid back when the case
settles, not taking anything from you up front. Your fees
and the payment of the advance (this is not a loan – though
similar to a loan) are paid directly from your settlement, so
there are no monthly payments.

If you are in need of lawsuit settlement funding, find out
more information, so you will know if it is your best option.
Lawsuit Settlement Funding can be good option if you have
no other resources, or if you have exhausted all your other
options, to turn to when you need cash immediately.

More information can be found at
http://www.advancelawsuitfunding.com or call 888-414-4260.

Money Resources

2006-05-03T16:21:00.000-06:00

Continuing our discussion on ways to come up with money, if
in need, or if looking to start your own business.

You might consider using your credit cards. This isn’t a
recommended resource, but people do it all the time. Your
business might not bring in money immediately, and this
makes it hard to pay back the credit debt – this is never a
good idea unless there is full assurance of a good return on
your investment. The bad thing is - you won’t know until
after you go this route, and perhaps ring up quite a large
amount of debt.

Avoid using a credit card if you can - try to find another
resource, or you might find yourself in a bigger hole if
the business doesn't take off.

See http://www.doubleii.com/credit.html

Need money to start a business?

2006-05-02T11:54:00.000-06:00

Need money to start a business? There are options that
we will cover for you along the
way on this blog. The first option we'll discuss is to
take out a loan – personal loan, line of credit, refinance your
home, or other. Taking out a loan is an involved process – you will
need to show the ability to pay a loan back. If you are
looking for a business loan, you will need to show a full
business plan and show market research that proves a need
for your business offering. Putting together a PowerPoint
presentation is a good idea. If you refinance your home,
you don’t need to produce a business plan, and you don’t
have to admit what the funds are for in any detail. You
may or may not get approved, however, so you may be back
to square one.
http://www.doubleii.com/loans.htm

Business Funding Essentials

2006-05-01T20:24:00.000-06:00

We’ve seen many types of business funding applications
come in – most are incomplete “dreams” that have no real
basis, and are poorly written up and put together. We’ve
had an entire portfolio of guys who model, who’ve had no
experience but “knew” they could model – they didn’t need
a business loan, they needed a modeling agent, and to work
their way up, gaining credibility first. We’ve seen a lot of
types of applications – the ones that were looked at by our
funders were the ones that included a PowerPoint
presentation, a complete business plan, a full 3-10 year
financial break-down and projection. If you are going to
start your business, you need all this same information. Make it
complete and convincing before you approach a funding resource.
http://www.doubleii.com/financebusiness.html

Car Accident?

2006-04-23T19:43:00.000-06:00

Car accidents can leave you in a monetary jam - your car isn't working, you may have injuries, perhaps you cannot go to work. Maybe you can't afford to get the medical attention you need. Even if the insurance companies are settling, you may not get paid for quite some time, longer than you can afford. Don't let them pressure you to settle earlier, for less. You can get enough of an advance on your insurance settlement to get you by until the settlement gets paid. Don't wait until you are in deep trouble - get what you need to get over your mometary crisis, and push for your full entitled amount. For more information, see
http://advancelawsuitfunding.com

Cash in your assets to raise money

2006-03-30T10:04:00.000-07:00

Cash in your assets if you need some cash now. If you truly value these assets, don’t use them for something risky – chances are you’ll never get them back. Cashing in assets can be done in several ways – you can go to a pawn shop, you can hold a garage sale, you can sell on eBay or other type of auction. You can run classified ads, you can go to a store or broker which deals with your type of asset. Assets can include things like: property, things in your home, jewelry, antiques, inheritance, a car, your home, stocks, bonds, land, inheritance, or whatever else you might want to let go of, that someone else might want. More assistance and ideas are at
http://advancelawsuitfunding.com/cashnow.html

Advance Funding is an Old Concept

2006-03-02T22:52:00.001-07:00

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.

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).

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.

Getting Hounded by Creditors?

2006-02-09T15:44:00.000-07:00

When a credit card company gets tired of dealing with your
debt, it often sells the debt asset to another agency, often a
credit collection company. The new company may start to
hassle you for payments – but first you need to figure out
what your correct amount of debt is, and to whom you
owe it.

You may not be liable for the debt, and they might be
pressuring or threatening you - you might be getting
scammed, or you might need to work out terms legitimately -
in either case, be wary of creditors who call - and read
more about this at http://www.doubleii.com/credit.html

Can't Afford Surgery?

2006-02-07T07:02:00.001-07:00

If you've been injured in a car accident, or some other
circumstance that involves a lawsuit or insurance claim -
and you need surgery, but cannot afford it, you may
qualify to get advance lawsuit funding toward your surgery
and be able to pay for the surgery now, and if needed, get
additional advance funding after the surgery. Advance
lawsuit funding is meant to help you get through a
financial crisis or setback while you wait to be awarded
your lawsuit or insurance settlement. If we can get your
surgery taken care of, it can often make your case stronger
and more valuable. This helps you with our determination
of the case worth and strength when you are looking for
advance funding. See how we can help you get advance
funding toward your surgery.
http://www.advancelawsuitfunding.com

Advance Funding - Better Terms and Rates

2006-01-26T14:46:00.000-07:00

When searching for advance funding for your lawsuit or insurance payment, find a company that will give you the best rates possible. Check around - many companies still keep high rates and gouge people -this isn't right. Our rates, for instance, have dropped to as low as 2.99% (many car accident cases qualify at this rate), and medical malpractice is generally around 4.5%, with more risky cases in the 5-6% range. Don't accept higher rates unless you've checked out other companies - we don't want you to pay more than what you have to. We've also streamlined our process, getting your applications in and out of underwriting much faster. You can get your advance funded very quickly - auto accidents often as fast as 24 hours, or even less. Find out your options and make a good choice for you.
http://www.advancelawsuitfunding.com

Need Cash for the Holidays?

2005-12-06T13:10:00.000-07:00

If you are having a hard time making ends
meet this holiday season, you are not alone.
The economy has forced the closures of many
companies, the lay-off of thousands, and the
pay reduction of many. There are a large
number of people who have been injured and
are unable to work. This is a tough holiday
year for many.

There maybe options available to you,
however, if you have certain situations
that can be worked with. There are cost-
cutting measures, as well, in which you
need not spend do much money this season.

Alternatives for holiday gift giving –
make gifts yourself – a gift basket with
baked goodies, a wood carving, a sewn
item, or something that you are good at.
Give stamps and stationery. Or alternate
family members you will give gifts to –
and not give to everyone.

Other possibilities you can explore is
the sale of some of your assets and
property – do you have things you really
do not need and are like new? Do you have
things you can take to consignment
stores? Do you have a legal or insurance
settlement that is paying soon or paying
in installments (you can sell those off
to get the cash now)? Do you carry a note
on a mortgage or have an annuity you would
like to cash in – in whole or on part?
Can you sell an extra car? Do you have a
pension you would like to get cash from?
Do you have excess inventory you want to
get rid of?

Have you called your credit card
companies to try to make a payment
arrangement with them? Many are
sympathetic if you try to cooperate with
them, and can often hold out a payment,
perhaps a month from now. There are debt
consolidation services which can do this
for you, giving you one monthly payment
at a reduced rate. You can also negotiate
a credit card settlement – pay it off in
an agreement, at a potentially huge
reduction (you may have to pay taxes on
the portion you are forgiven, so be
prepared in April 2003).

You can also get an advance on your
paycheck that you know is coming but
not here yet when you are needing the
money. There are places you can get to
loan you cash for that check – it will
cost you, but any of the options above
will cost you – weigh out if it's worth
it to you.

Find out more holiday cost saving tips at
http://www.doubleii.com/holidaycashneeds.htm

Did Your Card Buy Someone Else's Groceries?

2005-09-27T21:07:00.000-06:00

I bought groceries last week, exactly $10 worth of on-sale granola bars and Sobe drinks for a whopping total of $10. I used the self scan service, and walked out with my receipt and groceries. I was looking at my account balance to see what checks and debits had cleared, and I did not see my $10 amount, several days later (and this grocery store always posts on same or next day to my account). Well, in looking at the receipt - it was not my card that was charged, but an American Express card, which I do not have one of. Nor did I have any card ending in the last 4 digits of 8007 as was on the receipt. I went to the store and the management was baffled - perhaps the checkstand had held onto the previous card and paid for the purchase I made? They had not seen this happen before, and it had not happened to me, either, but the amount was correct, the items were correct, and the American Express pruchase was wrong. It was my receipt, with correct date and time and items, but no charge was made to my account. This type of situation may not be readily reported to a store - since most people tend to throw away receipts, or not look at them like I do. If they don't see a charge come through, they don't worry about it. If they see a receipt with a wrong card, most people would not report it since it won't show up on their card. So, who knows how often this might happen? Check your balances and keep your receipts - it's the only way to prove that your amounts match the amounts that come through as charges. If you get charged twice at the same store (and did not make 2 purchases) and have the correct receipt, perhaps a scanner held onto your card information and used it to buy for the next person in line? You can take your receipt in and let the store know the other charge must be wrong. This is the only way the store can start looking into the potential problem. Until then, no one knows if there is a problem.
http://doubleii.com/credit.html

Keep your credit/debit card receipts

2005-09-14T17:13:00.000-06:00

My husband regularly throws out receipts as soon as he uses his credit or debit card. This is dangerous in more than one way. The receipt can be picked up by someone who can try to pull up information on it - perhaps even going back to the store with receipt in hand, and somehow finding a way to get more information or perhaps to increase the amount of purchase - who knows? Many places only put the last 4 digits of a card on the receipts, but it's scary how scammers can still figure out a way to use these receipts. The other problem is that when the charge comes through the bank or credit agency, it may or may not be in the same amount as you remember - sometimes a decimal point is entered in the wrong place, or the number is keyed in wrong. The only proof you have that it's wrong is the receipt. I have had this happen in the past, and having the receipt made it easy to both track and correct. So remember - keep all your debit (although I hope you are running all your debit card purchases as "credit") and credit receipts until you can check your account - then shred the receipts. http://www.doubleii.com/credit.htm

Katrina Scams

2005-09-12T11:59:00.000-06:00

There are many scams floating out there concerning Katrina, as there are every time there is a disaster or some event that tugs at people's hearts. There are bogus sites set up to collect funds (for the site owner - not Katrina victims), there are panhandlers who physically say they are collecting funds, there are emails being sent asking for money, asking for help in finding relatives, offering to look for lost relatives, telling you they found one of your long lost relatives, and much more. DO NOT FALL VICTIM to these scams!!! They are set up to make money for the scammer only. They are trying to work your emotions and will stop at nothing to do so. Do NOT reply to these solicitations, do NOT click on site links, do NOT give any money. Links you hit may take you to a porn or viagra site, or worse yet start a download that will allow the scammer access to your information in the computer. Go ONLY to the Red Cross site (or one that is approved by the Red Cross as stated at the Red Cross site) at www.redcross.org, or to the U.S. Humane Society site at www.hsus.org - don't bother with scams that take your money and don't give it where it is needed. http://www.doubleii.com/alerts.html

2005-09-02T11:21:00.000-06:00

Check your bank accounts daily! Report any charges that you do not recognize. I found a charge of $703 made in my account and I did not make the charge. 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. I called the business (they had a website that I found on a search). The purchase was made on the Internet and the part was picked up the next day. I asked what matching information they had - they 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. 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 Visa 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). 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. http://www.doubleii.com/identitytheft.htm

Use "credit" option

2005-08-12T06:29:00.000-06:00

When making purchases using your debit card, use the "credit" option, not the "debit" option with PIN. Using it as a "credit" card protects you from fraud. The "credit" option provides charge-back protection - Visa & MasterCard have this protection and you can get your money back when there is a dispute with the merchant or if you are not satisfied with the service you get. Using the PIN based "debit" option runs the the funds through an electronic funds transfer - not through a credit card network with protection. http://doubleii.com/credit.htm

Don't try to get out of paying back when you win....

2005-06-01T14:53:00.000-06:00

We've had one instance of a client who, just prior to getting her lawsuit settlement check, fired her attorney and redirected the payment to herself. She then did not pay the funder back, and tried to hide the settlement news. This can only get people into much more trouble - she now has legal action placed upon her, will be in serious trouble, and also her attorney is in danger of being disbarred for not notifying the funder. Do not try to trick the system. It will only hurt you tremendously. When you sign papers for the lawsuit cash advance, you sign a lien which places a priority on whom gets paid back and in which order - the attorney collects the check and pays back himself, then the liens, and then whatver is left goes to the client. In this case, the client fired her attorney before the check was sent out, and covertly had the settlement check signed over to herself. That is wrong. The funder will come after the client in this case, and all of our funders are either attorneys or work with attorneys on the funding. Remember - the funder is risking his or her money for you - believing in the strength of your case. If the case doesn't win, you don't pay the funding back. If your case wins, you are obligated to pay the funder back. The funder took a chance on you - you need to follow the rules and procedures as signed to do. http://advancelawsuitfunding.com

Want more funds, or a lower rate?

2005-05-25T09:23:00.000-06:00

If you have received advance funding already for a lawsuit, and would like to receive a lower rate, or need yet more money, we can look into your situation. We just got word that one company we work with is willing to look over cases that have been funded, to buy out previous funding and perhaps allow more funding. Call or email us to check this option out. 888-414-4260