713Bankruptcy.Com's Blog

When contemplating how to boost your VBA income, consider what it is about the traditional VBA service that is valuable to the attorneys you do petition preparation for.

As you know, Virtual Bankruptcy Assistants save their attorneys hours and hours of time per petition, and make them more profitable, by allowing them to hire your when needed, as opposed to hiring full-time staff, or distracting the full-time staff from hiring priority or more higher income producing tasks.

This same principle applies to other tasks related to the life-cycle of a bankruptcy case that extends beyond just the petition itself.

Below is a sample of other services you could offer, and raise your typical VBA fee to include:

• Pre-Petition Document Collection – Contacting the attorney’s clients to gather the documents needed to draft the bankruptcy petition (e.g., client intake form, pay stubs, credit counseling certificate)
• Electronic Filing (ECF) – File the petition electronically for the attorney
• 341 Notification – Notify the client of their 341, including a description of what it is, what to expect, what to bring, and where it is being held.  Remind them of the meeting a few days before the meeting is scheduled to take place
• Post-Petition Document Collection – Follow-up with the client after filing to get their personal financial management (post-filing credit counseling) certificate, and electronically file it
• Amendments – Should amendments be needed to the petition, you can do these for the attorney
• Manage Creditor Service Notification – Certain changes or additions (amendments) to a petition may require service or notification to the creditors of the case via U.S. Mail.  You could offer to handle this for the attorney
• Redaction Services – If taxes or pay stubs are filed with the case in your attorney’s jurisdiction, they will need to be redacted, which is “blacking out” personal information such as social security numbers, names of minors, bank account and routing numbers, etc.  You could offer to do this for your attorney before these documents are filed with the court

These tasks do not require an attorney to do them, and many attorneys would be more than happy to remove such tasks from their own “to-do” list, and pay their VBA to do them for him/her, which you should charge them for your time to do.

Put yourself in your attorney’s position, and ask yourself “What could I pay my VBA do for me that would save me time or make me more profitable?”, and you will undoubtedly come up with several more ideas on how to boost your VBA income.

Wishing you the best.

Sincerely,

-The 713 Training Team
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DISCLAIMER: We at 713 Training are not attorneys; any information provided by 713 Training should not be considered legal advice.  The information in this article, and any other materials provided by 713 Training, whether delivered verbally, written or via any other means, including electronic/digital delivery and storage, is for training purposes only, and is intended for individuals who work under the direction of a licensed attorney.

This week we wanted to share some recent questions and answers with you, so that all could benefit.

Thanks!

-The 713 Training Team

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QUESTION:

I have a debtor that owns property that he is renting out to his son.  The mortgage is $2,000.00 per month and the rent he is charging his son is $2,000.00.  I’m not sure how to list it in Schedule I, Schedule J and the Means Test.  To me it wipes out any income but I’m sure it must be indicated properly in the schedules and the means test.

Can you help?

ANSWER:

Yes, this will all need to be reported.

The mortgage debt would be reported on Schedule D.

The mortgage payment would be reported on Schedule J (line 1).

The $2,000 monthly income from the son would be reported on Schedule I (line 8).

The $2,000 monthly income from the son would also be reported on the Means Test with other income (If you are using Best Case, I recommend using the “Edit CMI Details” button to enter all sources of income separately, and let the software do the rest of the work for you).

If the debtor has made the monthly payments for the last 90 days, this will also need to be reported on the Statement of Financial Affairs (SOFA) (line 3).

QUESTION:

Good morning, please see the 2^nd part of my test for certification previously submitted.  I mailed the first part about 3 weeks ago.  Please let me know that first and 2nd part have been received.

ANSWER:

Thank you for your email, however, this is the older exam that is now outdated.  The updated exam was released last December, and is taken completely online.

To register for the current exam, you can go to www.713training.com/products/VBA-Certification-Exam.html.  The exam is now paid for in advance; after doing so, you will be able to download the instructions that you will want to follow very carefully (following detailed instructions is now part of the exam), which will include steps on how to take the exam online.

Your time investment in the older exam will be of a benefit to you, as the updated exam does include things from the original exam.

QUESTION:

I hope you are well.  I have attached a 13 for review.  I am a little confused about how I listed a couple of property items.  My client had a house with her ex-boyfriend that went through a short sale.  I listed it on Sch. F (BAC).  Also, my client is on the deed to her parent’s house, but only has a life estate interest.  I listed it on Sch. B since she is not on the loan.  She is also a co-signer on her current boyfriend’s equity line – I put it on Sch. F because she has no rights to the house and is only on the equity line.

ANSWER:

Regarding the debtor’s house that she had with her boyfriend, you’ve listed them on the correct Schedule, being Schedule F, as this house can’t go on Schedule A, since she no longer owns it, making the debt unsecured non-priority.

Regarding the debtor’s parent’s home, since her name is on the deed, I would list this house on Schedule A, and select the “Nature of Debtor’s Interest in Property” as being “Life Estate”.

I would also list the line of credit she co-signed for the boyfriend on Schedule F, as you have done.

I noticed that there is a car payment listed on Schedule J, but no car listed on Schedule B, and no lien listed on Schedule D, perhaps something has been overlooked here.

Also, I recognize some of the numbers on Schedule J, because they match the IRS allowance…the trustee may have the same thought.  We have seen petitions get objections for this reason, so you may want to consider going close to these allowances, without actually hitting them, and leaving a little bit of a buffer in there, to avoid a possible objection.

I’m also hoping you can find some additional expenses that have been overlooked by the debtor, to list on Schedule J, to lower the Chapter 13 plan payment from $1,200/mo.

QUESTION:

1)  How do VBA’s get paid?

2)  What is the amount per petition- imagine this depends on attorney working for?

3) Is there enough work to handle all of us being trained – imagine so but would like to discuss

ANSWER:

Virtual Bankruptcy Assistants (VBAs) get paid by the attorneys they work for.  How much they get paid, how often they get paid, and any other details surrounding payment, is determined by the VBA and the attorneys he/she works for.

There is no set amount of pay per petition.  You may set your prices at whatever you feel your services are worth, and what attorneys are willing to pay.  To give you some guidelines though, we suggest that you not charge anything less than $300 for a Chapter 7, and not less than $400 for a 13, although we are aware of several VBA’s that are being paid much more, because their work is worth much more.

There is so much bankruptcy petition work out there compared to the number of people trained to work virtually drafting petitions, it will be years before we ever know whether saturation is even possible.  Because of the volume of work available, more and more attorneys are getting into bankruptcy everyday, and they all need petitions drafted.

Disclaimer: We at 713Training.com not attorneys; any information provided by 713 Training should not be considered legal advice.  The information in this article, and any other materials provided by 713 Training, whether delivered verbally, written or via any other means, including electronic/digital delivery and storage, is for training purposes only, and is intended for individuals who work under the direction of a licensed attorney.

LIMITED TIME OFFER! Victoria Ring Providing Personalized VBA Training

I wanted to send out an announcement to let you know that after a lot of begging and pleading, we have been able to convince Victoria to carve out some time in her busy schedule of training attorneys, to do some Virtual Bankruptcy Assistant (VBA) training.

We are not sure how much of Victoria’s time we will be able to get, but this may very well be the very last opportunity you have to sit down one-on-one with Victoria Ring…the pioneer of the VBA industry, and receive training directly from “the master”.

You are encouraged to ACT QUICKLY, and register right away.  Once you are registered, Victoria will contact you to get you on her calendar during the next month or two.

NOTE: This training will take place in Victoria’s home town of Colorado Springs, CO.

CLICK HERE to get registered for 1 day of personalized VBA training

www.713training.com/products/Personalized-Bankruptcy-%28ONE-FULL-DAY%29.html

OR

CLICK HERE to get registered fo 2 days of personalized VBA training

www.713training.com/products/Personalized-Training-%28TWO-FULL-DAYS%29.html

Take advantage of this opportunity while you still can.

Sincerely,

Clay Holland
Operations Manager
www.713Training.com
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Disclaimer: We at 713Training.com not attorneys; any information provided by 713 Training should not be considered legal advice.  The information in this article, and any other materials provided by 713 Training, whether delivered verbally, written or via any other means, including electronic/digital delivery and storage, is for training purposes only, and is intended for individuals who work under the direction of a licensed attorney.

When a debtor files bankruptcy, what happens to their creditors?  There is an automatic stay put in place pending the outcome of the debtors’ case, right?  Not necessarily.

Most debtors in bankruptcy have at least one car that they use to get to and from work, to transport their family, etc., and this family car usually has a loan on it.

Because this family car is important for the family, the debtor often wishes to keep it after the bankruptcy, in order to keep getting to and from work, get their kids to and from school, activities, go grocery shopping, go to church, etc.

This is easy to handle in the bankruptcy petition, by simply stating that the debtor wishes to reaffirm the debt, and continue paying for it after the bankruptcy.

But what if the debtor never signs a reaffirmation agreement to reaffirm the debt?  Maybe nothing, but they could also lose their car to repossession, and still end up being liable for the debt, even if they were current on payments, and even though they thought there was an automatic stay in place.

This is because in some jurisdictions, the debtor may only have so many days from the time the statement of intention for the car was filed, to sign a reaffirmation agreement with the creditor to prevent the automatic stay on the creditor for the car, from being lifted.

We saw this happen just this week, when a debtor had not signed a reaffirmation agreement in a timely fashion, and the creditor immediately had the car towed.  The attorney worked with the creditor to manage getting the reaffirmation agreement signed, and the debtor is getting their car back, so luckily, there is a positive outcome for the debtor, but not without some stress first.

To prevent this from happening:

1. Make certain that the attorneys you work with are familiar with 11 U.S.C. § 521(a)(6) of the revised bankruptcy code, which provides that an individual chapter 7 debtor cannot retain possession of personal property in which a creditor has a purchase money security interest, unless the debtor, not later than 45 days after the first meeting of creditors, either enters into a reaffirmation agreement under § 524(c) or redeems the property under § 722.   In addition, pursuant to sections 521(a)(2) and 326(h) the automatic stay will terminate within thirty days of the petition date as to any encumbered collateral if the debtor fails to timely file that statement; and within thirty days after the first date set for the meeting of creditors if the debtor fails to take timely action as specified in the statement of intention.

2. Consider offering reaffirmation agreement management as part of your VBA services, and set yourself apart from the competition

Have a terrific week!

Sincerely,

-The 713 Training Team
www.713Training.com
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Disclaimer: We at 713Training.com not attorneys; any information provided by 713 Training should not be considered legal advice.  The information in this article, and any other materials provided by 713 Training, whether delivered verbally, written or via any other means, including electronic/digital delivery and storage, is for training purposes only, and is intended for individuals who work under the direction of a licensed attorney.

There are several outcomes to a bankruptcy case.  We’re familiar with the two most common, which are:

Discharged – A favorable outcome was reached for the debtor
Dismissed – A non-favorable outcome was reached for the debtor

So what does it mean when a bankruptcy case is revoked?

When a debtor has been granted a favorable discharge, and something happens (e.g., the debtor does not follow trustee instructions), the favorable discharge can be revoked, allowing creditors to pursue the debtor again, as if the debtor had not filed bankruptcy.

We ran into a case like this week, where a debtor had received a favorable Chapter 7 discharge, then didn’t follow the trustee’s instructions to surrender her $3,200 income tax refund to the trustee, and the trustee responded by revoking the favorable discharge.

This occurred six-and-a-half years ago, and the debtor was wondering what her options are now.

From the research we did in talking to various trustees and attorneys, there are a few possibilities:

1. The debtor can go ahead and file a new Chapter 7, but if the discharge revocation was due to an adversarial proceeding, the debtor likely wouldn’t get an automatic stay for the creditor involved in the proceeding…this was not the issue in our case

2. The debtor could wait another year-and-a-half, so that 8 years time will have elapsed since the last filing, in order to get an automatic stay for all creditors..this would resolve problems with the above situation

3. The revocation might possibly be reversed, by working with the trustee’s office to see about making this happen.  In our case, this could require the debtor to meet the trustee’s original request to surrender $3,200.

Have a terrific week!

Sincerely,

-The 713 Training Team
www.713Training.com

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Disclaimer: We at 713Training.com not attorneys; any information provided by 713 Training should not be considered legal advice.  The information in this article, and any other materials provided by 713 Training, whether delivered verbally, written or via any other means, including electronic/digital delivery and storage, is for training purposes only, and is intended for individuals who work under the direction of a licensed attorney.

Our office often receives calls about Chapter 13 bankruptcy petitions from people that are struggling with one thing or another in the Chapter 13 Plan, and can’t seem to resolve it.

What we usually find, is that because it is a Chapter 13 petition, that people tend to panic, and overlook the basics.

This week we received a call about a Chapter 13 petition where the Chapter 13 Plan was giving an error about unsecured debts being over 109(e) limit $360,475.

After getting a copy of the petition and looking at it, it didn’t take long to see where the problem was, as there were only two secured debts, and they were both mortgages.

What we found, is that all of the lien information had been entered for the house that the debtor owned, but the market value for the house had been left out.

With the property information configured like this, it told the bankruptcy software that there was $374,395 owed on the house ($192,640 first mortgage, and $181,755 second mortgage), but that the house had no value.  This means that all $374,395 of the house is unsecured, which exceeds the limit of $360,475 of unsecured debt allowed in a Chapter 13 bankruptcy.

After entering a market value for the house (e.g., $300,000), the the amount of unsecured debt on the house was reduced by the same amount, and eliminated the error in the Chapter 13 Plan.

What can we learn from this?

As you know, drafting bankruptcy petitions is not just data entry, and requires critical thinking and analytics capabilities, but just because the bankruptcy petition you are working on is a Chapter 13, don’t let this intimidate you, and remember the basics.  Look through each of the items entered into the petition to make certain that nothing was left out or overlooked, or mistakenly entered incorrectly.

Have a terrific week!

Sincerely,

-The 713 Training Team
www.713Training.com

Join our LinkedIn group: www.linkedin.com/companies/713training.com-llc

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Disclaimer: We at 713Training.com not attorneys; any information provided by 713 Training should not be considered legal advice.  The information in this article, and any other materials provided by 713 Training, whether delivered verbally, written or via any other means, including electronic/digital delivery and storage, is for training purposes only, and is intended for individuals who work under the direction of a licensed attorney.

It has been another fun filled week in bankruptcy.  We have had two cases in particular come in, that we were told were Chapter 13′s, but after drafting the petitions, it appeared that the clients would be able to file a Chapter 7.

Both cases were below median income for the jurisdiction, one had two prior filings, but neither case had a prior filing in the last eight years, and they were both “no asset” cases.

What is a “no asset” case?

A no asset case is one in which after applying all allowable exemptions to the debtor’s property, that there are “no assets” left…nothing that could be returned or liquidated to payoff creditors.

We alerted the attorney immediately, who after reviewing the petitions, agreed that both cases could and should be filed as Chapter 7 cases.

Imagine how pleased both of these clients were, when they discovered that would be able to file a Chapter 7 bankruptcy, instead of a Chapter 13 bankruptcy, and instead of being married to their bankruptcy via monthly Chapter 13 Plan payments for the next 60 months, they now have the expectation that their cases will be favorably discharged in just a few months, with all of the unsecured debts wiped away, and they can move on with their lives.  How refreshing!

This is one example of how important the role of a virtual bankruptcy assistant is, and why it is important to understand the information entered into the debtor’s bankruptcy petition.

If you need to hone your understanding of Chapter 13 bankruptcy, and improve your skill set to help you identify when the case you’re working on is truly a Chapter 13, or whether it can qualify for a Chapter 7, please visit the Chapter 13 Training page of our website at:

www.713training.com/categories/Chapter-13-Training/?sort=priceasc

Our most popular items are:

Chapter 13 Seminar Training Kit
www.713training.com/products/Chapter-13-Seminar-Training-Kit.html

Chapter 13 Training in Mortgage Cram Downs and Strip Downs
www.713training.com/products/Chapter-13-Training-in-Mortgage-Cram-Downs-and-Strip-Downs-%28VIDEO%29.html

Wishing you the best.

Sincerely,

Clay Holland

Operations Manager

713Training.com
www.713Training.com
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DISCLAIMER: We at 713 Training are not attorneys; any information provided by 713 Training should not be considered legal advice.  The information in this article, and any other materials provided by 713 Training, whether delivered verbally, written or via any other means, including electronic/digital delivery and storage, is for training purposes only, and is intended for individuals who work under the direction of a licensed attorney.

This past week, I had the pleasure of doing some personalized training with Jennifer Tharp of Palm Coast, Florida.

Jennifer has been in business for herself for about 6 years as a notary signing agent, and is expanding into bankruptcy so that she can work from home, as she is a single mother of three.

Jennifer told me that being able to work from home as a virtual bankruptcy assistant will be a great blessing to her family, as it will give her more time with her kids, instead of being away from them so much, meeting with people for loan closings, etc.

When we first met, what she needed most in getting her VBA business going, is confidence in knowing how to properly complete the forms and schedules in the bankruptcy petition, so we took care of this by having her enter a petition for a real case for an attorney that I work with, as I coached her through it, taught her various details, and answered her questions.

Because opportunities for personalized training are limited, the training I most often recommend for learning these skills, and obtaining confidence includes:

1. Virtual Bankruptcy Assistant (VBA) Book and Workbook Set
www.713training.com/products/Virtual-Bankruptcy-Assistant-%28VBA%29-Book-and-Workbook-Set-%28EBOOKS%29.html

This book and workbook set walks you through each form and schedule, teaching you how to properly complete them, then gives you a sample case to try your skills at, and get some experience.

2. Bankruptcy Petition Case Training Collection
www.713training.com/products/Bankruptcy-Petition-Case-Training-Collection.html

This product gives you a mix of REAL Chapter 7 and Chapter 13 Cases to practice with, that when completed, allow you to compare your work against the real case filed with the court, by looking at the filed case in PACER (a good way to hone your PACER skills).

3. “How to Draft a Bankruptcy Petition” Training Videos – Complete 10-Video Package
www.713training.com/products/%22How-to-Draft-a-Bankruptcy-Petition%22-Training-Videos-%252d-Complete-10%252dVideo-Package.html

This video set with over 9 hours of instructions actually SHOWS YOU how to enter client information into the forms and schedules.

Wherever you are at in your VBA career, 713Training has something to offer, to help you expand your knowledge, services, and ultimately, your income.

After her training, Jennifer had the following to say:

“I am so thankful and blessed for the opportunity to receive personalized VBA training . The training gave me confidence and a better understanding of how the bankruptcy business is run. The insight I got on how to do a petition is going to allow me to do a better job for the attorney’s I work for. I now feel I am ready to reach my goals as a VBA.”

I look forward to hearing of Jennifer’s success, as I know she will be.

Wishing you all the best.

Sincerely,

Clay Holland
Operations Manager
713Training.com
www.713Training.com

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Where is the “Catch” in the Virtual Bankruptcy Assistant Business?

One of the services offered by 713Training.com is personalized one-on-one training with a dedicated instructor.

On April 9^th, Michael Hastings of Denver, Colorado came out to Salt Lake City, Utah for this training.  Michael has been investigating the VBA industry for quite some time, and came out for training to finally decide if this is the right business opportunity for him.  Conclusion?  Read on.

First let me introduce you to Michael.

Michael has an A.S. Degree in Paralegal Studies from MTI College of Business and Technology, a B.A. from California State University, and a Masters’ in Legal  Administration from the University of Denver.

He has 5 years of experience managing large Inbound Call Centers, 5 years of experience as a Corporate paralegal, and 2 years of experience as a Project Manager for a Legal software company.  On top of that, he does expansive volunteer work with the Denver Rescue Mission.

Throughout the day, Michael told of the extensive research he had done regarding the VBA industry, and on bankruptcy itself.  I was amazed at the level of detail that he has gone to in his research; for example, he had found out EXACTLY how many practicing attorneys there are in the U.S., how many of those practice in bankruptcy, how many are large firms vs. small firms, etc., which boiled down to the fact that 80% of all bankruptcy cases are filed by small firms…the firms that Virtual Bankruptcy Assistants market their services to.  That’s a HUGE market.  I was personally further convinced that I am in the right business at the right time.

Michael is also attending a business class that covers business plan writing, so all of this research will go into his business plan.  I’m hoping that Michael will let me share his research with you through 713Training.com.

The thing that I found most interesting about our visit, is that as Michael described all of the levels of detail he has gone into researching the virtual bankruptcy assistant field, he said that he kept looking for “What was wrong with it”…the “Where is the catch?”; as he figured there must be some fault somewhere.  Instead though, Michael told me he couldn’t find anything wrong with the VBA field, and that his research proved it is a viable business.

The day that Michael was here, it just so happened that a 341 was happening for a case that I prepared the petition for, so I asked Michael if he would like to attend the 341, and see how this part of the business works.  He said that he would, so we hopped in my truck and drove downtown to where the 341’s are held.

When we got there, we met up with the attorney and the clients he was there to represent, and went in for roll call.

It just so happened that our case was first on the list for the hour, so everything happened pretty quickly, and Michael got to experience how the clients felt afterward, as the attorney visited with them, and reassured them that everything went well.

The clients then left, but the attorney stayed to visit and answer questions for another 10-15 minutes, which was really good of him to do.

By the end of the day, Michael said that he had gotten all of his questions answered, and had decided that he is definitely going to become a Virtual Bankruptcy Assistant.

Because I find this business so rewarding both monetarily and personally, I was ecstatic to hear this, and look forward to Michael’s future success as a VBA, as I have no doubt that he will achieve great success.

Although Michael has a tremendous education, one of the great things about the VBA industry, is that you don’t need a degree, or even legal experience.

If you are a hard worker, reliable, have a desire to learn, and have good people skills, you’re halfway there.  Learning the petition drafting skills gets you the rest of the way there.

Making a good living working from home for attorneys isn’t just a dream.  There is great demand for highly skilled VBA’s.  Won’t you come join us?

Don’t miss our next training opportunity this next Friday and Saturday in Atlanta, GA, where we will be holding 2-day seminar.  You’re welcome to attend either day or both.

Below are links to the details:

Virtual Bankruptcy Assistant Marketing Seminar

www.713training.com/products/VBA-Marketing-Seminar.html

Bankruptcy Petition Training Seminar (with focus on Chapter 13’s)

www.713training.com/products/Bankruptcy-Petition-Training-Seminar.html

Attend both days

www.713training.com/products/VBA-Marketing-AND-Bankruptcy-Petition-Training-Seminar.html

==============================================================

For months now, at 713Training.com, we have been silentlyworking behind the scenes on our all new website, and as of thismoment, we are pleased to announce that the new website is now upand running!

We are sporting a completely new Web 2.0 look and feel, rightdown to our new logo.

Although more changes and improvements are coming, our maingoals of having a platform that delivers more information, iseasier to navigate, and more intuitive, have been met.  Check itout for yourself at www.713Training.com.

We would like encourage you to go find the training materials that you have purchased from 713Training.com, and write a review on them.  To do this:

1.  Go to www.713Training.com

2.  Find the training materials you wish to write a review for
a.  Tips:

i.  Navigate through the Categories at the upper left

ii. Use the Search feature at the upper right

3.  Click on the particular item to load the page of details about the product

4.  Click on the “Reviews” link below the item’s picture

5.  Click the “Write a Review” button at the lower right

6.  Write your review by completing the fields provide, and click “Save My Review”

As part of the launch of our new website, and to say “thank you” to our customers, we are having a store-wide 10% OFF SALE,for 4 DAYS ONLY.  This gives you until tax day, April 15th topurchase the bankruptcy training materials you have been waiting

to purchase at a great discount, by using the following coupon code:

10%Off4DaysOnly

We also want to remind you that you still have time to make it to the seminar in Atlanta on April 23rd and 24th.

TIME: 9:00am – 5:00pm
LOCATION:  Best Western

301 N Central Avenue
Hapeville, GA 30354-1601 (suburb of Atlanta)
1-800-230-4134

We have arranged for a special 713 Training room rate of just
$69.99 per night!

SEMINAR TOPICS:

Day 1: VBA Marketing

The instructors will be covering the following topics:

• Learn how to market on the internet – The most powerful marketing tool in existence

• Learn about marketing letters

• Learn how to create a ”marketing portfolio”

• Learn how to price your services

• Meet Clay Holland, the new 713 Training Operations Manager,

who started making nearly $5,000/mo after just 3 months in

business as a new VBA!!!

FREE GIFT FOR ATTENDING THIS SEMINAR

How to Market with Postcards and Faxblasts – Video on CD – AN $89.99 VALUE!

Day 2: Bankruptcy Petition Training Seminar:

The instructors will be covering the following topics:

• Tips and tricks for improving bankruptcy petition skills

• A special review of Schedule I and J

• Skill building in the balancing of Schedule I and J

• A special review of the Means Test

FREE GIFT FOR ATTENDING THIS SEMINAR

Chapter 13 Training in Mortgage Cram Downs and Strip Downs,
video CD – AN $89.99 VALUE

Purchase your tickets today!

VBA Marketing Seminar
www.713training.com/products/VBA-Marketing-Seminar.html

Bankruptcy Petition Training Seminar
www.713training.com/products/Bankruptcy-Petition-Training-Seminar.html

VBA Marketing AND Bankruptcy Petition Training Seminar

http://www.713training.com/products/VBA-Marketing-AND-Bankruptcy-Pettion-Training-Seminar.html