Food Industry Business Magazine - Issue V-1070

 

WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

Send details to:
P.O. Box 13557
Denver, CO 80201


Current Issue of 05/20/2019

THE CANNABIS INVESTORS GROUP. FREE 44 PAGE OPPORTUNITY BOOKLET.

THE CANNABIS INVESTORS GROUP HELPS OUR MEMBERS TO IDENTIFY THE NEXT CRYPTOCURRENCY COINS THAT GROW AS BIG AS BITCOIN. FOR OUR FREE 44 PAGE OPPORTUNITY BOOKLET:1-800-311-9882 USE INVITATION CODE 586092
187


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PLEASE SEND ONLY $3.00 TO COVER THE COST OF HANDLING & SHIPPING
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6403 Julie Street
San Diego, California 92115
www.totalpersonalprotection.com
RETURN THIS AD WITH YOUR REQUEST

91


YOURS IN HEALTH, WEALTH AND WELLNESS,

WWW.TimeFreedomRings.com /P1033
WWW.5050Fifty.com /P1033
WWW.Move2Pure.com /P1033

162


COOK LIKE A MASTER CHEF!

Your Friends Will Be Amazed When You Prepare And Serve These Delicious, Mouth-Watering, Easy -To-Prepare Recipes!!
YOU'LL DISCOVER SOME OF THE WORLD'S BEST RECIPES!
www.sensationalrecipesgalore.com
NICK REED ENTERPRISES
6403 Julie Street
San Diego, California 92115

92


YOU WILL BE THE TALK OF THE TOWN...

When You Make $$ With All The
Money-Making Offers
I'll Send In A
6x9 Envelope!
Only $3 Cash Or Stamps To:
K.R. MARKETING
398 SCOTT CT.
TWIN FALLS, ID 83301

17


FINANCING AVAILABLE:

$300K up to $100M for refinance, purchase or construction.

J.C. PATTON BROKERAGE SERVICE
841 NEWPORT RD.
LEXINGTON, MS 39095
Fax: 1.662.834.1033

96


GOOD NEWS FOR ALL AMERICANS!

FREE $50 GIFT CARD!
PLUS AN EQUAL OPPORTUNITY TO RECEIVE A SUPPLEMENTAL INCOME OF $100,000 OR MORE BY MAIL!
EMAIL NAME & ADDRESS TO:
bigmoneyin2013@gmail.com

103


"LIGHTS OUT"

For Hurricane and Tornadoes.
8-in1 Am/FM Dynamo Lantern.
Telescoping Lamp/Flashlight.
When closed works as a Palm sized flash light,
opens for use as a desk lamp.
Go to sporting goods and electronics:
williesbestdiscounts.com

43


SHORE TO SHORE MAGAZINE

New Ad Rates:
1" CR $7.00****2" CR $10.00
3x6" CR $15.00****4x5" CR $20.00
3x8" CR $22.00****5x7" CR $35.00
8x11" One Side****$50.00
8X11" Two Sides****$80.00
All Ads Must Be Camera Ready
Ad Deadline-25th of each month
CHA Services
P.O. Box 1980
Rogue River, OR 97537
Website: http://www.ChaService.com
eMail: colleen@chaservice.com

60


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140


Food Industry Business Magazine
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Refinancing Your Mortgage After Bankruptcy

It is a general conception that getting a refinance loan after filing a bankruptcy is quite difficult. But you can avail a home loan provided you pay the interest at a slightly higher rate. Generally, lenders do not prefer taking the risk of offering mortgages to someone who has filed bankruptcy. But there are the subprime lenders who can offer you loans at higher interest rates, sometimes even after six months of finalizing your bankruptcy.

Filing a bankruptcy case affects your credit status as it reflects your inability to pay down your debts. A Chapter 7 Bankruptcy stays in your credit report for at least 7 years whereas Chapter 13 Bankruptcy is featured in the report for 10 years. But this does not mean that you wonít be getting credit Ė the only thing is that you wonít qualify for a reasonable rate.

Generally, most lenders in the primary mortgage market will consider offering you the loan only after 2 years of filing for bankruptcy. But you need to be current on your bills during this period. You will be able to re-establish a better credit profile with a Chapter 13 bankruptcy, as it requires you to follow a repayment plan to become debt-free within 3 to 5 years. This isnít easier with a Chapter 7 bankruptcy because it allows for the discharge of all your debts, and you donít have to repay any part of your unpaid credit. But Chapter 13 bankruptcy helps you to prove your creditworthiness while you continue to pay for a certain percentage of your debts including the mortgage.

One way to establish good credit within 2 years of declaring bankruptcy is to open a credit card account and make payments regularly. This will enable you to improve your credit score. You should also try to build up a savings account, since the more cash you have at hand, the better. You may also look for a secondary source of income so that you can pay down the debts, which are not discharged by bankruptcy. Maintaining a good credit profile thus becomes a necessity if you wish to refinance after bankruptcy.

When you have build up a fair credit history, try to look for mortgage quotes that are affordable, although you may get a slightly higher interest rate on account of declaring bankruptcy. You should also consider the Annual Percentage Rate (APR) and the loan fees that come along with the refinance loan.

Refinancing after bankruptcy helps you to restore your credit profile. You can refinance your existing debts with a home equity loan that is often offered at a better rate than the other kinds of credit. Use of such credit for refinancing will help you to maintain a good payment history. With a refinance loan after bankruptcy you can thus rebuild your credit history and this helps you to qualify for loan programs with lower rates and payments.




    


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