QUESTION:
I’ve posted my question to the Members Forum, myself. My concern is lack of communication regarding the cancellation of the Yahoo Group and what is the plan for members to communicate with each other with specific BK petition questions?? It would appear to me that information on the member forum would only be viewed as members logged in and happened to look at particular posts. Is this a correct assumption??
Also, what happened to the ‘perfect score’ noted next to AVBA members?? I really thought this was a great distinction amongst the AVBA community. Especially when marketing the member list to attorneys. The ‘perfect score’ really stands out for me and my fellow ‘perfect score’ holders. Will you be returning that distinction to the appropriate members of your home page??
ANSWER:
I have no idea what happened to the Yahoo Forum. A lady in California was running the forum. I never had anything to do with it. In fact, I never read a post or visited the forum.
One day, the lady sent me a short email that said she deleted the forum and was no longer going to be the moderator. Therefore, in situates like this it is impossible for me to give you advance notice.
The AVBA members who passed the Exam have never been removed. In fact, instead of appearing on ONE site, the AVBA members appear on TWO website which are located at:
http://www.navba.org
http://www.713training.com/directory
Please understand Dee that 713Training.Com is owned and operated by (me) Victoria Ring. When others operate their business under my name (because I endorse their ideas) I have no control over their behavior and cannot be held responsible for their misgivings.
As far as a member forum in the future, Kent at Bummer Hosting and I are installing and trying out different membership software right now to determine the best one to meet 713Training.Com’s needs. If the software we select has a member forum capability, I will consider starting a new one.
But my main concern in having a forum is that I do NOT have the time to manage it. From the abrupt behavior from the lady who was managing the Yahoo forum, it is evident that something happened. I am assuming that people started posting “rumors” and their own “personal” feelings rather than sticking to the topic of “bankruptcy petitions.” This is the main problem with forums. Even when they are secure, people like to use them for gossip lines and I will not tolerate “crap” like this. Rumors do nothing but expend energy that could be put to better use – like building a business and improving your skills.
QUESTION:
Victoria: I love the new AVBA Exam!!! Having worked on both Exams I can see great improvement. The new AVBA Exam measures a VBA’s diligence in researching automobile and home market values, as well as being proficient with PACER. The Ethics section is practical. And the Client Intake Exercise highlights the need to be detailed in our work. Most important of all, the exam requires for VBAs to demonstrate they can follow direction while being capable of working independently. I would highly recommend this exam for any virtual assistant that wants to improve their bankruptcy petition drafting skills! The exam is training in itself! Well, that’s my feedback. If I think of anything else, I’ll let you know.
ANSWER:
Ref: http://www.713training.com/avba/index.html
Thank you for your comments. I will publish your testimonial in the next issue of the 713Training.Com Update.
QUESTION:
Victoria: I am impressed. How did you get to be the spotlight on the National Association of Women’s Business Owners website at:
http://nawbo.org/spotlight.cfm?mid=10
ANSWER:
I joined their organization, submitted my information, and they chose my profile for the website. This is another good example of FREE MARKETING. It has helped to bring a great deal of new website traffic and new orders to 713Training.Com and I did not pay a dime for the publicity. Try this approach. It works.
QUESTION:
I cannot afford the Bankruptcy Workbook as of now (Certified Notary Signing Agent in Florida — ugh). I have downloaded the AVBA Exam and understand the test is based on questions from the workbook along with other materials from 713Training.Com. If I do not purchase the Workbook, do I have enough information in your other materials to pass? Thank you for your time.
ANSWER:
That is an impossible question to answer because the answer depends on you. The best thing I can suggest is to read over all the information about the AVBA Exam at http://www.713training.com/avba/ . If you feel you have the skills to complete the test, then purchase and submit your test. If not, continue practicing on your own and visit the website often. Also read all the free articles I have provided at http://www.713bankruptcy.com
It is not necessary to purchase additional training materials unless you believe you need additional training. Everyone is different. That is why I developed a variety of different training products in different price ranges and write and publish free information every week.
QUESTION:
I have a good general knowledge of the bankruptcy petition and the bankruptcy process, thanks to Victoria’s training materials. However, I have not prepared a bankruptcy petition and I feel uncomfortable marketing my services to attorneys until I have some experience drafting petitions.
I believe that new VBA’s like me need is an attorney or experienced VBA that can provide us with an apprentice relationship. I think the VBA apprentice would work for an attorney or another VBA without pay. The attorney or experienced VBA would task the apprentice with preparing actual bankruptcy petitions, and oversee the work of the apprentice. The attorney or experienced VBA would benefit financially from free labor and profit from completed bankruptcy petitions that they did not have to complete themselves.
This arrangement should not interfere with the daily work of an attorney or experienced VBA at all. The attorney or experienced VBA would need to provide some guidance and instruction to the apprentice. The VBA apprentice would gain invaluable experience drafting petitions. Perhaps after three to five petitions, the VBA apprentices would be ready to step out on their own. I think this would be a valuable addition to the training program. What do you think?
ANSWER:
I agree, but the majority of attorneys still are having trouble recognizing the bankruptcy petition as caring much importance. After the BAPCPA law changed, it changed their perception of the petition. Therefore, if you can find an attorney willing to do this, and an experienced VBA to work for no money – I wish you the best. But most VBAs who are overloaded with petitions do not have the time to work for free.
In my opinion, a better alternative would be to provide one-on-one training where an experienced VBA comes to your home and trains you personally. Or, perhaps an online training school could be developed just like the paralegal programs.
Personally, if it was me and I was in your position, I would work for a bankruptcy attorney and learn the skills (like I did). This is the best education you can get in this field, it doesn’t cost you anything – but instead pays you a salary. After working for a bankruptcy attorney for 6-8 months, you should have enough confidence to work for yourself. Some people will take longer and others will take a shorter period of time. Only you will know when you have the confidence you need to sell your services and grow your own business.
QUESTION:
1. If a person wants to do a Deed In Lieu and they are in the middle of Chapter 13 proceedings, will it still show as a foreclosure/negative mark on their credit report, regardless?…. In other words, is there any benefit, credit wise, in doing a Deed in Lieu for a person who is in the middle of a Chapter 13?
2. Also, if a person does go thru with a Deed In Lieu of Foreclosure will their automobile be enough of a secured debt to maintain a Chapter 13 status? Or, is that strictly determined by the Means Test?
ANSWER:
I can understand your confusion. The reason is because there is no definitive answer to the questions. That’s because many different factors could come into play. For example:
What stage of the Chapter 13 is the debtor in? If they have not attended their 341 Meeting and their Chapter 13 Plan has not been confirmed, a Deed in Lieu of Foreclosure will be easy to handle. But it will reduce the debtor’s assets and could possibly cause an increase in the Chapter 13 plan payment. It all depends on the circumstances.
Or, if the Chapter 13 Plan has been confirmed, a new Chapter 13 Plan would need to be submitted for approval before the Deed-in-Lieu could be implemented.
As far as whether the Deed-in-Lieu will negatively affect their credit, that is a decision left up to the credit reporting agencies. Each one is different in their classification. However, if the debtors are in a Chapter 13 bankruptcy, their credit is already negatively affected. I don’t see how a Deed-in-Lieu would make any difference. The more important factor is whether the debtors continue making their Chapter 13 plan payments on a consistent basis. That is what will carry more weight with the credit bureaus.
Also, I do not know if an automobile would be enough to secure the debt. That would depend on the amount of the debt and the market value of the car. Once you determine those 2 figures, you will be able to see for yourself if the debtors have a car with enough equity to stand as collateral.
Again, there are so many variables to your question it is impossible to answer. The best thing I recommend is that you try and find a mortgage broker or foreclosure mediator who does this type of work and interview them about their job. Or, pay $50 and talk with a bankruptcy attorney. As long as they know you are not there to take business away from them, they will be happy to talk with you about foreclosure mediation for a half hour or so.
QUESTION:
Whatever happened to Angie Boyd? I called her and she said she was no longer working for you. I am confused. I thought Angie Boyd and Victoria Ring were 713Training.Com?
ANSWER:
To be quite honest with you – I have no idea what happened to Angie. Angie worked for 713Training.Com for 18 months. During that time I thought of her as a younger sister and loved her and her children very deeply. The last time I saw her, I had purchased her a carrot cake from Cracker Barrel and she said “thanks” as she drove off in her car. That was the last word I have heard from Angie. She has not returned any of my calls or certified letters where I have attempted to uncover and to solve any problem. But 2 months later I am clueless as to what the problem is so I do not discuss the subject since I have no information to provide.
All I can do is wish Angie Boyd the best of success and hope that her business is successful. But I will always think of her as my “little sister” and perhaps one day, I will learn what happened to cause her to avoid me.
TESTIMONIAL:
Thanks so much for helping me decide what I want to do with my life. Your company is the best. Not only will I be able to make a nice living for myself, but I will be helping people also. What more can you ask for. Thanks again. (Craig Rowe)
Published by Victoria Ring
http://www.713training.com
http://www.navba.org
