713Bankruptcy.Com's Blog

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

by Victoria Ring, 713Training.Com

As you may know, I spend a great deal of time coaching and helping others build their virtual businesses. But the one thing that never ceases to amaze me is the lack of patience 80% of the people have that I work with. So I decided to write this article to help address this problem. Perhaps it will help to turn the 80% into 0%. I don’t know – but I am going to give it a try.

The best way to begin training people is to relate a story to them they can identify with. So here goes . . . In 2003 a person (let’s call her Joan) paid me to set up an online web design business for her. I had experience in setting up the web design business named YouOnLine.Net back in 1998, plus I am on the internet 10-12 hours per day so I can keep up with new developments. Therefore, Joan knew I had the expertise to do the job right.

I spent a little over two months setting up Joan’s business. From securing the domain name and SSL certificate to programming the HTML for the shopping cart – I did it all. In fact, on the day Joan chose to open her business, it would be fully functional and making money. Joan was happy, I was happy and I went back home feeling good about a new business being birthed and born.

But three weeks later (without warning) Joan hired an attorney who sent me a letter demanding all her money be returned. What happened?

After going through weeks of litigation (where the Complaint was finally dropped) I discovered that Joan had in her mind that she was going to make at least $5,000.00 per month. But when she only made $1,200.00 within the first three weeks she freaked out and thought the business was not going to work.

But Joan knew deep down that she was to blame for this decision. How do I know? Because Joan never contacted me about the problem. If I had done something wrong, Joan would have called me in a hot New York second. Instead, she chose to take the “sheepish” way out, regardless of who she hurt in the process.

However, this is only one example out of thousands. Yes – many people I work with and coach rarely understand the process of developing, building and growing a company. For some reason many people starting their business for the first time have this misconceived notion they will immediately make $1,000s of dollars without lifting a finger. I even had a customer call me on the phone and say: “I bought your book but have not made any money.” I asked her if she read the book. She replied: “No. I didn’t know I was supposed to read it. I just thought I had to purchase it.”

Let me give you a little insider piece of wisdom: The infomercials are really giving true information. The only thing they don’t tell you is that in order to make that kind of money, you must invest time, dedication and long hours building your company.

Here is a true life example of something that personally happened to me: One day I wrote a 15-page Report and converted it to PDF format. I sent out an announcement to my newsletter list and in one day, I made $6,000.00. I was shocked and overjoyed at the same time. However, I have not had that happen again. So I could go on television and say with all truthfulness “I made $6,000.00 in one day.” But what I don’t tell you is that I had been in the web design business for over 3 years and it took me that long to build up a newsletter list of people who would buy my Report. Hopefully my story will help you to look at infomercials for the truth they are, and the truth they are not.

What a Business Really Is

A business is similar to birthing a child. You first decide to have a business, and then you decide what type of business to start. Then you spend time researching and reading everything you can find on the topic that relates to your business.

Next, you obtain training in the type of business you are going to start. You need to know your product or service before you can sell it. This means joining organizations, networking with others in your field and/or working for an employer in the field so you can understand the inner workings of the business.

Next, you purchase the right computer system and internet connection to run your business, give your business a name, secure a domain name and get your entire business set up before you open.

Finally, when you do open up your business it is very rare that you will make any money within the first 4-5 months. Of course this depends on the type of business you decide to open, and if you have a customer base in place to market your product or service to. If you do not have a customer base, it can take awhile before you make any money.

Joan’s Mistake

Where Joan made her mistake was in not understanding these simple rules. Although I provided Joan with URLs to organizations and other free information, she did not research them. Why? Because in all actuality, Joan was not looking for this type of business. She was simply looking for a way to make money.

Unfortunately, Joan had absolutely no idea of the gold mine she actually had. I had spent two months building her a functional business. Her first month brought in $1,200.00. That is amazing!! If you ask anyone who started a business how much they made their first month, even the best of them never made $1,200.00 the first month.

What Joan did not take into consideration was that her name was “unknown.” People today are smart. They don’t purchase from a company unless they trust them. Joan had spent no time building trust with her potential customers, yet she still made $1,200.00 her first month. I wondered what in the world Joan could be upset about. She should be celebrating. But Joan didn’t look at it that way.

Are You Like Joan? If you are, you need to identify with your shortcomings right now. Then if you choose to continue being like Joan, it will be your own fault when you do not succeed in business.

One Last Thought

If you decided to become an Elementary Teacher, you would think nothing about spending money to attend college to obtain the degrees you needed. You also would not get upset if you had to start at the bottom and work for a lower salary when you begin your teaching career. Right?

If you decided to become a Paralegal, you would think nothing about spending money to enroll in a class to get your paralegal certificate. You also would think nothing about beginning your career working at the bottom until you received more on-the-job training. Right?

So if most people have the willingness to invest money and time into a career they enjoy – why do most people believe starting a business is any different? Answer this: Who do you know on the planet earth who started a business from the ground-up (with less than $500) and had a thriving enterprise making $5,000 per month within the first three weeks? Realize the truth: it is impossible!

Prayer of Relief

I pray this article helps to open your eyes to the truth about starting a business and give you the encouragement you need to build your business into a successful enterprise.

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

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RECENTLY UPDATED NEW INFORMATION
Now you can have a business completely set-up and operational on the day you open. Find out how by downloading the free Apprentice Operations Manual at:

http://www.713training.com/vabusiness/apprentice_program_manual.pdf

This document provides the complete details and operation of the Apprentice Program. Even if you are not interested in applying, the document provides VALUABLE SUPPLY RESOURCES and a structure design for your virtual bankruptcy assistant service.

Download your free copy now at
http://www.713training.com/vabusiness/apprentice_program_manual.pdf

Victoria Ring
713Training.Com

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Online Business Idea: Virtual Assistant

by Victoria Ring, http://www.713training.com

As most of you may know, Best Case is my personal choice of software for preparing Chapter 7 and Chapter 13 bankruptcy petitions. But recently, Best Case released an add-on feature that allows clients to fill out information, which is then imported into Best Case software.

When this happened, my email box became active. Virtual bankruptcy assistants wanted to know if this would affect their job working for bankruptcy attorneys. The answer is “No.” Debtors still do not know how to fill out the forms properly, which is why we must do an intake interview. Here are a few reasons to illustrate my point:

1. What happens when a client writes “don’t know” on an address line? Is the software able to look up and fill in the address automatically? No.

2. Suppose a client fills in $100,000 is left owed on their mortgage but the current statement from the bank says $128,640.15. Will the software know to correct this discrepancy with the current mortgage statement? No.

3. What if a co-debtor is not included in the bankruptcy as an “additional notify?” Will the software recognize this and fill in the information. No.

These are only 3 of the many 100s of reasons why an automated software program will never take the place of a trained virtual bankruptcy assistant.

However, the MyCaseInfo plug-in is a useful tool for some attorneys. For example: There are solo attorneys who never use client intake forms. They interview the client over the phone and fill the information into the software. For attorneys who run their practice in this manner, the new MyCaseInfo plug-in may be just what they need.

But, the solo attorney will still need to go through all the information the client enters and correct it manually. That’s because the average person (especially a debtor going through the mental stress of bankruptcy) never properly completes the client intake forms. So how are they going to provide the right information by typing it into a software program?

Also take into consideration, that there are still millions of people who know nothing about computers. Blue-collar workers especially are not around computers on their job so they know little about how they work. How is someone with no computer skills going to type information into a software program? It will take longer to provide technical support than interviewing them on the phone and getting the information yourself.

Like I said, some attorneys (and perhaps larger bankruptcy firms) will find the new MyCaseInfo plug-in a welcome addition to Best Case. But for debtor bankruptcy attorneys with a client base of low-to-middle income clients (the virtual bankruptcy assistant’s target market) the plug-in will not serve any purpose.

(end)

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