Virtual Bankruptcy Assistant Questions and Answers

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QUESTION:

Hello Victoria

I attended a Borrower Outreach Day yesterday which included the Department of HUD and lenders meeting with homeowners one-on-one to offer advice regarding home foreclosures.

I attended this meeting, hoping to meet with lenders, tell them a little about myself and to inquire as to how they handle foreclosure mediation and to find out who I would contact in their loss mitigation department to offer my services of foreclosure mediation. (Mind you I am only halfway through my bankruptcy petition training and have read your book on Foreclosure Mediation twice). I may be a little ahead of myself as far as knowledge and training goes. I am still learning and practicing.

I met a lady who operates a financial development center that assists people with financial counseling, offers workshops, etc. I mentioned my training in drafting bankruptcy petitions and my interest in foreclosure mediation. She told me that she has trustees that process and file petitions for her clients and that the trustees charge her $900.00 per petition. She is interested in obtaining this service for less. She stated that if I could provide the service for less – that she has plenty to keep me busy, and encouraged me to contact her office.

I don’t think that this prospect would be legal for me to perform. Is there another way that I could provide this service, perhaps by contacting her trustees and offering my services at a reduced cost. Is there a way for me to work with this counseling agency whereby their cost for the bankruptcy process could be reduced? I need your advice. (Yvonne)

ANSWER:

If this lady is not an attorney, it would be considered unauthorized practice of law to prepare petitions for her. But you could talk with several attorneys in your area, tell them about the problem and ask if they would be willing to have you refer business to them. (This is where it would be helpful to have a network in your area of attorneys and paralegals.) Of course, you would want the attorneys to use your services for the bankruptcy petition preparation.

The problem with contacting the Trustee’s and offering your services is that they are already making $900 per petition. I doubt they would want to give up $300 or $400 to you when they don’t know you or your level of expertise.

QUESTION:

Victoria: Do you plan to do any more seminars this year? I know you have been sick and almost died in the hospital just recently. How are you feeling? (Pam)

ANSWER:

Pam: Thanks for asking. I have almost fully recovered. There is still some infection in my body and as soon as it clears out, I will be ready to “rock and roll” again. As far as the seminars: You bet! I can’t wait to get back out there training again. But as you may have read in previous articles, during my hospitalization, Gloria Joyce and Angie Boyd broke into my home and stole over $15,000 in money and assets. They also stole the money from the 713Training business account and merchant account. When I came home from the hospital, I had a total of $68 to start with again. It will take a few months to build up money in the business to be able to travel again, so I plan to offer seminars in the Columbus, Ohio area first. I will take the money from those seminars and hopefully start traveling to other cities in late summer or early fall.

In the meantime, the three people who signed up for the training seminars in January will be compensated by one-on-one training. I feel so bad for these people and I want to give them much more than their money’s worth. No one even contacted them when I was admitted to the emergency room and went into a coma. Since it was no fault of their own, I will make sure they are compensated fully.

COMMENT:

Thanks Victoria! We do appreciate all the helpful hints you have given so that we can get our business lives up and moving. We are seeing quite a few notary signings, and have you to thank for all the advice you have given on that. The Lord has been good to us, always, but especially as we make this transition from full time school jobs to retirement and part-time other work. And Victoria, I can’t tell you how nice it is to be associated with someone who gives God the glory for all that has come, and shares the message of salvation to all. Your mission has touched so many, and you may never know how many people come to know our Lord as their savior through your work.

If you get to the Dallas/Fort Worth area, please let us know. I would love to have lunch or dinner with you! (Kathy)

REPLY:

Thank you Kathy for your email. People like you are what keep me going. Even during my recent illness and hospital stay, I have had 100s of people send me emails and get-well cards telling me that they are praying for me. It is nice to know there are a lot of Christians out there who love the Lord. In Noah’s day, he and his family were the only ones on the planet that loved God. Can you imagine that? We are so blessed to have a world filled with good Christians and lovers of Jesus Christ. We should thank God daily for this privilege.

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Victoria Ring
713Training.Com
http://www.713training.com

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