Beyond Past Due

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Tony Elam
Tony Elam
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Older Couple wants to file Chapter 7 and Be Done. Need Advice.
5 Replies

I have recently taken on a new client, and I plan to begin this Wednesday with them.They came to me in despair wanting to give up file ch 7 and move into a small apartment. I told them it's good to…Continue

Tags: Debt, Retirement, Bankruptcy

Started this discussion. Last reply by Tony Elam Apr 19, 2011.

Wells Fargo Behind two months
3 Replies

Hey everyone,I am excited to say that I have booked my first client, and I am excited to get moving on their situation.  I have started to look at their budget and they make just enough money to…Continue

Started this discussion. Last reply by Tony Elam Dec 4, 2010.

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Tony Elam replied to Tony Elam's discussion 'Older Couple wants to file Chapter 7 and Be Done. Need Advice.'
Yes Gregg, thanks for the help so far.  We are moving forward with some positive steps so far.  We have a new twist however.  They have lines of credit with BOA and the wife is a signatory with her Mom's accounts with Merrill…
Apr 19, 2011
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GREGG PECHMANN replied to Tony Elam's discussion 'Older Couple wants to file Chapter 7 and Be Done. Need Advice.'
The key is to figure out the 4 walls. Once you get that done, you can see what they can or cant afford. I would have them start piling up cash for multiple reasons: negotiate with the credit card companies, moving expenses, rent (their credit will…
Apr 15, 2011
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Tony Elam replied to Tony Elam's discussion 'Older Couple wants to file Chapter 7 and Be Done. Need Advice.'
Greg thanks for taking the time to break it all down.  It's starting to come into focus.   I think we can deal with the car, either give it back, or sell it depending on some other variables.  They need to sell the house, which…
Apr 12, 2011
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Justin Lukasavige replied to Tony Elam's discussion 'Older Couple wants to file Chapter 7 and Be Done. Need Advice.'
I'm with Gregg. Once you have a budget in place they can see what's coming in vs what's going out. That might give them new hope to get everything paid off or settled.   Gregg is the expert when it comes to this. I've seen…
Apr 11, 2011
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GREGG PECHMANN replied to Tony Elam's discussion 'Older Couple wants to file Chapter 7 and Be Done. Need Advice.'
Hey Tony, Thanks for asking. OK, lets start with the house. The answer is yes, they need to do a short sale if they can not afford it in the budget (necessities). I assume the property is in Florida, so they have at least 12 mths, most likely 18-24…
Apr 10, 2011
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Older Couple wants to file Chapter 7 and Be Done. Need Advice.

I have recently taken on a new client, and I plan to begin this Wednesday with them.They came to me in despair wanting to give up file ch 7 and move into a small apartment. I told them it's good to live within their means, but bk isn't always the first option. I suggested that we break each piece down and deal with each item bit by bit. So I want to get opinions before I help create a plan with them. Here are the particulars... Income is $3300 partial pension and S.S. They told me the husband…See More
Discussion posted by Tony Elam Apr 10, 2011
5 Comments
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Mental Exercising: Staying Focused on What Matters

Mental Exercise: Staying Focused On What MattersYour life goes where the mind directs it.If you are reading this, then you most likely are trying to guide your way out of a financial situation that you didn’t plan to be in.  If you have followed this series, then you have heard me say, “You can wander in, but you can’t wander out.”  That implies that if you don’t let your life wander, it’s likely that you wouldn’t be in the…See More
Blog post by Tony Elam Jan 13, 2011
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The Financial Monster @ The End of This Book Series: Your Going to Call The Collectors

Taking the first swingSo, up to this point you have stabilized your home, prioritized your bills, learned to do a budget, reflected on yourself internally, and…See More
Blog post by Tony Elam Dec 24, 2010
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Tony Elam replied to Tony Elam's discussion 'Wells Fargo Behind two months'
Thanks guys for the help. I'll let you know how it goes.
Dec 4, 2010
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Derek Sisterhen replied to Tony Elam's discussion 'Wells Fargo Behind two months'
Hey Tony - high fives on the client! I'm sure you're going to do an awesome job with them! Jaime hit the nail on the head with the advice on the mortgage. If they can keep from going any further past due (i.e. you've worked out their…
Dec 1, 2010
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Jaime Thompson replied to Tony Elam's discussion 'Wells Fargo Behind two months'
Congratulations Tony! Has Wells Fargo offered them a mortgage modification? This might be a good first step until they can get their budget balanced and/or extra income started streaming in. While the paperwork for a mortgage mod usually include…
Dec 1, 2010
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Tony Elam updated their profile Dec 1, 2010
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Wells Fargo Behind two months

Hey everyone,I am excited to say that I have booked my first client, and I am excited to get moving on their situation.  I have started to look at their budget and they make just enough money to cover most of the basics.  We do have some room to cut, but not enough.  I am going to begin working on them to find some extra income, but they are behind two months on the mortgage with Wells Fargo.  She says they are calling everyday, even though nothing is different.  What should I be telling them…See More
Discussion posted by Tony Elam Nov 30, 2010
3 Comments
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Tony Elam commented on Justin Lukasavige's blog post 'Get Found in Google Maps Without an Address'
Going to work on that right now, thanks for the video.
Oct 9, 2010
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Justin Lukasavige left a comment for Tony Elam
Welcome Tony. Looks like you found the groups and you're getting plugged in. Let me know if you have any questions. Justin
Sep 22, 2010
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Tony Elam updated their profile photo Sep 22, 2010

Profile Information

What is the goal or dream that you have that you've been unable to attain?
Becoming a Free Agent
What is your passion?
Learning. Helping others fix their financial lives, or fixing a pain that they might have.
What can the members of this site help you with? (If you don't ask you won't get help).
Hold me accountable, tell me if I am hitting the mark or not.
What is your website?
http://findingforward.com
Who referred you to BeyondPastDue.com?
Justin L
Twitter ID (if you have one)
http://twitter.com/findingforward
Facebook profile (if you have one)
http://facebook.com/findingforward

Tony Elam's Blog

Tony Elam

Mental Exercising: Staying Focused on What Matters



Mental Exercise: Staying Focused On…

Continue

Posted on January 12, 2011 at 11:44pm

Tony Elam

The Financial Monster @ The End of This Book Series: Your Going to Call The Collectors

Taking the first swing

So, up to this point you have stabilized your home, prioritized your bills, learned to do a…

Continue

Posted on December 23, 2010 at 10:00pm

Comment Wall (2 comments)

At 7:30am on September 22, 2010, Justin LukasavigeJustin Lukasavige said…
Welcome Tony. Looks like you found the groups and you're getting plugged in. Let me know if you have any questions.

Justin
At 2:22pm on October 2, 2010, roserose said…
rose.devid50@yahoo.com
HELLO
My name is miss Rose i saw your profile today at(beyondpastdue.com) and fund you worthy to be mine as some one whom i can lay on his arms as long as love is concern, caring and teassing you all the nightlong and ,l will also like to know you the more,and l want you to send an email to my email address (rose.devid50@yahoo.com) so l can give you my picture for you to know whom l am. Here is my email address I believe we can move from here! I waiting for your mail to my email address above. miss Rose
(Remeber the distance or colour does not matter but love matters alot in life)

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Justin Lukasavige left a comment for Treva Malone
Hey, Treva. Master Your Business is a closed group for folks going through the program. You can join if you like at http://masteryourbusiness.net. ; Let me know if you have questions.
Feb 12
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Welcome to the group, Treva. You'll find everything you need in the Boot Camp leader's group, including presentations. Let me know if you have any questions.
Feb 12
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I am so excited. Today I recieved my PastDue Bootcamp Leader's Guide. I plan is to contact the local Vo-Tech about doing a bootcamp there.
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Welcome Them!
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I love WP, Chad. Thousands of free plugins, plus the ability to own your site, make it the best option in my eyes. I do suggest hiring a designer if you want to look professional. It's well worth the money. You can run ads on any sure, though…
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