Let us begin with the visionary for the paralegal industry …

Jeannie Johnston, CEO of Paralegal Gateway
http://www.linkedin.com/in/jeanniejohnston
Founder and CEO of Paralegal Gateway, Inc. which is the world’s oldest and largest online Paralegal portal and Social Networking vehicle which includes a free career center, free paralegal articles (written by paralegals for paralegals), online seminars, demonstrative evidence, tools for Paralegals and much more.  Jeannie has also been a paralegal for 16 years.  Additionally, she has been a speaker at National Paralegal Conferences, is a Legal Sales Executive as well as a Legal Staffing Consultant.

experts on the CREDITOR side of bankruptcy …

Pamela Starr, CEO of StarrParalegals, LLC
http://www.starrparalegals.com/
With 25+ years paralegal experience, StarrParalegals, LLC specializes in providing virtual bankruptcy assistant services specializing in bankruptcy and creditor’s rights.  StarrParalegals, LLC also provides expert services to attorneys, law firms and corporate legal departments.

Michael Misenheimer, Paralegal at Sicay-Perrow, Knighten and Bohan
http://sicay-perrow.com/
Michael holds a Masters Degree in Negotiation, Conflict Resolution and Peacebuilding.  He also serves on the Board of Directors for the Georgia Association of Paralegals, the Pro Bono Director and as Community Service Coordinator. Amazingly, Michael has served in this capacity for many years and continues to be re-elected; due to the magnitude of the positive contribution he makes to the organization itself.  Additionally, Michael serves as Pro Bono Co-Coordinator for the National Federation of Paralegal Associations (“NFPA”.)

and for the DEBTOR SIDE of the coin …

Victoria Ring, Developer of the VBA Industry
http://www.victoria-ring.com
Not only is Victoria the developer of the virtual bankruptcy industry that serves DEBTOR bankruptcy attorneys, she is also the developer of the VBA Exam and founder of the National Association of Virtual Bankruptcy Assistants at NAVBA.ORG.  Victoria is currently working with attorneys in helping to establish new Chapter 7 and Chapter 13 bankruptcy law firms nationwide.

Clay Holland, Certified VBA
http://713training.com/clayholland.html
Clay is one of the top success stories in the virtual bankruptcy assistant industry.  He started his VBA business in June 2009 and by November 2009 he was making more money than he was at his fulltime job.  Prior to being a successful VBA, Clay had spent 20 years in the computer software business. He also had worked as a mortgage loan officer and is currently a licensed real estate agent.  Additionally, Clay has owned many home businesses over the years but when he found the VBA field, he knew this was the nugget of gold he was looking for.  At the seminar, Clay will reveal his success story and tell you everything he did to build a successful VBA business.

DO NOT MISS THIS IMPORTANT EVENT

This will be the ONLY seminar held in Atlanta, Georgia this year that brings FIVE industry leaders of the VBA and paralegal world together in one place.  Attend this important seminar and get to know these leaders on a personal level. To find out more information or to register, visit:

http://www.713training.com/shop/cart.php?m=product_detail&p=120

SPACE IS LIMITED.  REGISTER EARLY TO ENSURE YOUR RESERVATION.

We all hope to see you there.

This could be something as simple as protecting them from deficiency notices by just doing a good job on the petitions prepared for him or her.

Taking this a step further, what about helping to protect your attorney from potentially fraudulent debtors that may have something to hide?

Recently I was working on a petition for an attorney where only the husband was filing a Chapter 7.

The debtor had a fairly unique name, and so I decided to do a Google search on his name.

As I perused the Google results, I came across something interesting — the debtor was listed as being a member of a yacht club, and was the owner of a 28’ yacht.  It even listed the name of the yacht.

“Hmm”, I thought; “That boat isn’t listed on the client intake form”.

Before you read on, think for a moment about what you would do. Here is what I did…

First, I printed the web page showing the yacht information to a PDF file, and saved it in a folder called “Due Diligence” in the debtors folder on my computer.

Next, I called the debtor’s wife, who was my designated contact for getting information about the case.

I asked the debtor’s wife “Do you have a boat that needs to be listed on the documents for your bankruptcy?“.  She immediately responded and said “The boat is in my name.”

Since the debtor’s wife was not filing bankruptcy with the husband, I said OK, thanked her, and hung up the phone.

I then made a note of this in the attorney cover page that I gave to the attorney along with the petition when it was completed.

The 341 Meeting

The petition was filed with the court, and the day of the 341 meeting came, and I received a phone call from the attorney, who seemed somewhat excited.  He told me that he had just left the 341 meeting for this debtor, and relayed the unexpected outcome.

The attorney had printed out the debtors information to take with him to the 341, and when sitting with his client across from the trustee, he was well prepared as he answered questions, and went through his notes.

At one point the trustee was asking for information about the debtors mortgage, and when the attorney pulled the mortgage papers out of the folder to respond, there was another piece of paper stuck to the bottom of them that fell out onto the table. This piece of paper showed a picture of a beautiful boat.

The trustee having seen this happen said “Let me see that”, and the attorney handed it over.

The trustee looked over the printed information about the boat (which was a printout of the PDF about the boat I had emailed the attorney with the petition) and asked “What is this?” This is when the debtor began to squirm in his seat.

The trustee then asked “Do you have a boat?”, to which the debtor responded by saying “I sold it 3 years ago”.

The trustee then told the debtor to provide evidence of the sale, then moved on, and wrapped up the 341 meeting.

After the 341, the debtor’s wife approached the attorney and was visibly upset.  This is when the attorney described getting different versions of what happened to the boat.

The attorney was a bit distraught by the situation, and wasn’t sure what was going to happen next.

What I told the attorney was that it was a good thing that this happened, because if it turned out that the debtors were trying to hide the boat, that it was obvious that he was not aware of it.  He agreed.

This case is still open, so it is not known what the outcome is going to be, but one thing is certain, the job of a Virtual Bankruptcy Assistant is not simply data entry, but rather, it is our job to accurately represent the client’s information in the petitions we prepare for our attorneys, and to do the necessary due diligence that backs up that data to help protect the attorney’s interests.

Have a terrific week and don’t forget to register for the Atlanta, Georgia seminar at:
http://www.713training.com/shop/cart.php?m=product_detail&p=120

Sincerely,

Clay Holland
http://www.713training.com
http://www.navba.org
http://www.vbacertification.com

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 could be something as simple as protecting them from deficiency notices by just doing a good job on the petitions prepared for him/her.

Taking this a step further, what about helping to protect your attorney from potentially fraudulent debtors that may have something to hide?

Recently I was working on a petition for an attorney where only the husband was filing a Chapter 7.

The debtor had a fairly unique name, and so I decided to do a Google search on his name.

As I perused the Google results, I came across something interesting…the debtor was listed as being a member of a yacht club, and was the owner of a 28’ yacht.  It even listed the name of the yacht.

“Hmm”, I thought; “That boat isn’t listed on the client intake form”.

Before you read on, think for a moment about what you would do.  Here is what I did…

First, I printed the web page showing the yacht information to a PDF file, and saved it in a folder called “Due Diligence” in the debtors folder on my computer.

Next, I called the debtor’s wife, who was my designated contact for getting information about the case.

I asked the debtor’s wife “Do you have a boat that needs to be listed on the documents for your bankruptcy?”.  She immediately responded and said “The boat is in my name”.

Since the debtor’s wife was not filing bankruptcy with the husband, I said “OK”, thanked her, and hung up.

I then made a note of this in the attorney cover page that I gave to the attorney along with the petition when it was completed.

The 341

The petition was filed with the court, and the day of the 341 meeting came, and I received a phone call from the attorney, who seemed somewhat excited.  He told me that he had just left the 341 meeting for this debtor, and relayed the unexpected outcome.

The attorney had printed out the debtors information to take with him to the 341, and when sitting with his client across from the trustee, he was well prepared as he answered questions, and went through his notes.

At one point the trustee was asking for information about the debtors mortgage, and when the attorney pulled the mortgage papers out of the folder to respond, there was another piece of paper stuck to the bottom of them that fell out onto the table.  This piece of paper showed a picture of a beautiful boat.

The trustee having seen this happen said “Let me see that”, and the attorney handed it over.

The trustee looked over the printed information about the boat (which was a printout of the PDF about the boat I had emailed the attorney with the petition) and asked “What is this?”  This is when the debtor began to squirm in his seat.

The trustee then asked “Do you have a boat?”, to which the debtor responded by saying “I sold it 3 years ago”.

The trustee then told the debtor to provide evidence of the sale, then moved on, and wrapped up the 341 meeting.

After the 341, the debtor’s wife approached the attorney and was visibly upset.  This is when the attorney described getting different versions of what happened to the boat.

The attorney was a bit distraught by the situation, and wasn’t sure what was going to happen next.

What I then told the attorney was that it was a good thing that this happened, because if it turned out that the debtors were trying to hide the boat, that it was obvious that he wasn’t aware of it.  He agreed.

This case is still open, so it isn’t known what the outcome is going to be, but one thing is certain, the job of a Virtual Bankruptcy Assistant is not simply data entry, but rather, it is our job to accurately represent the client’s information in the petitions we prepare for our attorneys, and to do the necessary due diligence that backs up that data to help protect the attorney’s interests.

Have a terrific week!

Sincerely,

Clay

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.

We had trustee request information from the debtor in regards to a PayPal transfer of $1,000 the day before the debtors bankruptcy petition was filed.

What is PayPal?

PayPal is an e-commerce business allowing payments and money transfers to be made through the Internet. PayPal serves as an electronic alternative to traditional paper methods such as checks and money orders.

A PayPal account can be funded with an electronic debit from a bank account or by a credit card. The recipient of a PayPal transfer can request a check from PayPal, establish their own PayPal deposit account or request a transfer to their bank account. PayPal is an example of a payment intermediary service that facilitates worldwide ecommerce.

PayPal performs payment processing for online vendors, auction sites, and other commercial users, for which it charges a fee.

Needless to say, this money transfer less than 24 hours before filing the bankruptcy petition looked really suspicious.  The interesting thing though, is that it turned out to be completely legitimate.

What had happened is that the debtor had paid his attorney fees to the attorney electronically using his PayPal account.  Why is this problem?  Well…it isn’t.  The problem came in as being that the PayPal account had not been disclosed on the bankruptcy petition, and even though the attorney was able to verify that he had received the payment, the money didn’t clear before the petition was filed, and the trustee did not allow it, and said “That money, and anything else in the PayPal account is mine”. Ouch!

The moral of the story is that we now live in a digital world, and people are now using digital means to make purchases and pay bills.  This being the case, it is very important to help the debtor to disclose ALL bank accounts…even PayPal.

The conclusion?  The attorney is going to continue to take payment via PayPal; he is just going to make certain that it is documented on the petition.

***********************************************

Don’t forget about the upcoming 713Training.com seminar in Atlanta, GA on April 23rd and April 24th.

Day 1 will cover VBA Marketing, and Day two will cover Chapter 13 petitions, including mortgage cram downs and strip downs.

Day 1: VBA Marketing

http://www.713training.com/shop/cart.php?m=product_detail&p=122

Day 2: Chapter 13 Petitions, including Mortgage Cram Downs and Strip Downs

http://www.713training.com/shop/cart.php?m=product_detail&p=120

You may attend either or both days.  Those that attend both days will receive a $100 discount for attending both days.

Don’t forget to check the website for the great free gifts that attendees will receive in addition to the great information that is planned to be presented.

Hope to see you there!

Sincerely,

Clay Holland
Operations Manager
713Training.com
info@713training.com
1-800-535-9984
Join our LinkedIn group:
www.linkedin.com/companies/713training.com-llc

DISCLAIMER: We at 713Training 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.

For starters, does a bankruptcy petition really expire?  Yes…sort of.

What this is referring to is the fact that a bankruptcy petition is a snapshot in time, of the debtor’s financial situation.

Schedule I reflects the current or most recent income (or lack thereof), and the Means Test (Form 22a in a Chapter 7 or Form 22c in a Chapter 13), reflects the debtors income for the last six FULL months.

Once a bankruptcy petition is prepared to show this financial picture, it must be filed with the court before the end of the month it is prepared in.  Why?  Because if it isn’t filed by the end of the month and the calendar flips over to a new month, the debtor’s financial picture may have changed, and the petition must be updated accordingly so that the Means Test still shows the last six full months of income.

This rolling over to a new month will have caused the sixth month to have rolled off of the six month snapshot, as it becomes the seventh month, and the month that just passed now becomes the most recent month that needs to be reported in the petition.

Furthermore, the income on Schedule I needs to reflect the most recent income, and should be updated with any changes shown on the debtor’s most recent pay stub or business profit and loss statement (P&L).

Once the data in the petition is updated, it is then again ready to file, and you have until the end of the new month to get it filed, before it expires again.  I refer to this process of updating the information listed in the petition in order to be current as “Refreshing” the petition.  I have also heard this referred to as “bringing the petition current”, or the “Means Test expiring”.

The need to refresh petitions is something that would be nice to avoid, but there are a number of situations and unforeseen circumstances that can lead to this, such as the debtor not providing needed information in a timely fashion (this is the most common), the debtor getting cold feet, the attorney having the client wait to file for some reason, or a myriad of other things.

Simply updating Schedule I and the Means test may not be enough though.  There are other things within the petition that could “expire”, or that may need to be updated as a result of rolling over into a new month, including arrearages on liens, and payments to creditors.

Keep in mind too, that with updated information, there may be changes, which could change other things in a petition, such as the amount of disposable monthly income for a Chapter 13 Plan payment.

The list below can serve as a checklist of things you will want to verify, and update if necessary, when refreshing an expired bankruptcy petition:

1. Schedule I

a. Income and deductions must be updated to reflect current pay stubs or business profit and loss statements (P&L’s)

2. Means Test

a. Income must be updated to include any months that have elapsed since previously entered
b. Double-check other items for changes, such as costs of insurance, 401k loan payments or contributions, etc.

3. Arrears on all Secured Property

a. Are the items previously documented as being in arrears, now additional months in arrears?  Update this (Creditor tab)
b. Update the cure amount – # of months in arrears x Mo Pmt (Form 22 Means Test tab)
c. Are any previously current liens now in arrears?  Document this (Creditor tab and Form 22 Means Test tab)

4. Form 7. Statement of Financial Affairs

a. Line 3. Payments to Creditors
b. The dates and payments to creditors will need to be updated, as well as the Amt. Still Owing

5. Re-Balancing Schedule I and &, and updating the Chapter 13 Plan

a. Because you are inserting new income information, it is possible that Schedules I & J need to be rebalanced, or that the Chapter 13 Plan (in a 13) needs to be re-calculated due to the change

Below are some TIPS on avoiding and handling expired bankruptcy petitions:

* Remind attorney a week before the end of the month that the Means Test will be expiring, so that he/she has the opportunity to address the situation

* If you end up needing to refresh an expired bankruptcy petition, you should charge for your time, as you had already done the initial work, and the circumstances surrounding why the petition expired are likely not under your control, so repeating this work is something you should be paid for.

* When entering income into the Means Test, I recommend entering the income for each month separately, if your software program allows for it.  This makes it a lot easier to refresh a petition when all you have to do is add the new month of income as the last month rolls off.  This saves you the time of averaging the income by allowing the software to do this work for you.

I worked on a bankruptcy petition this week that involved a couple who had worked at the same job for 25 years.  They owned no real property and no unexempt personal property.  Their credit card debts totaled only $33,000 and they owned 2 older cars with very low market values.

What would be your first question when faced with a bankruptcy petition like this?

Your first question should be:  Why are these people filing bankruptcy? There has been no change in their income; they own very little and owe very little debt.  Something is missing from the puzzle and before I could go any further I had to find out what it was.

I immediately contacted the attorney by email as well as a voice mail (never totally rely on email) about the problem.  He called the debtors and found out that one of the reasons for the additional expenses was that their son graduated from college and they were paying back his student loans.

This is a typical example of an INSIDER DEBT in bankruptcy!  Learn how to recognize these and you will help to prevent fraud.

Although the debtors I prepared the petition for were probably honest people, many people could say that they are making the student loan debt for their son, when in actuality the son is making the payment and the debtor’s are pocketing the extra cash.  Creditors look for loop holes like this and this is a typical example of why bankruptcy cases are held up in court for many months.

Think about this: Typically, it is the son’s responsibility to pay the student loan debt.  Even if the debtors produce proof of payment that they actually paid the student loan payment, it would be impossible to prove that the son did not give them the cash to reimburse the payment they made.  This would give the debtors extra money each month to spend that the creditors would prefer to have.

Keep learning, take care and have a wonderful week!

Clay Holland is really busy this week putting together the TWO DAY Atlanta Bankruptcy Seminars so I thought I would catch you up on my week.

ATLANTA SEMINAR?

Yes, Clay is finalizing the date and then he will make the announcement.  Stay tuned for more details from Clay a little later.

CHARLOMA BANKS

February 15 and 16 I spent training Charloma Banks.  Charloma lives in Plymouth Virginia and it was her first trip to Colorado.  Charloma had taken the time to do a great deal of studying on her own prior to coming for her training.  The first day was spent addressing the questions she had regarding the materials and reviewing a variety of techniques for developing a website.

After returning to her hotel room, Charloma spent most of the evening redesigning her website to reflect the new marketing information she learned.  When I picked up Charloma the second day for her training, I was impressed with the extra effort she put forth.  We then spent several hours rewriting and revising the wording so that it was more informative.  As Charloma learned, your website should be YOUR BEST.  It can be compared with putting on a tuxedo or a 3-piece business suit and attending a governmental social gathering.  That is how good your website should look in order to attract good business.

SUZIE MCKENZIE

Suzie McKenzie is really a cool chick.  She and a couple of friends jumped in their car, in Dallas Texas, and drove to Colorado Springs.  Although the normal drive time is 15 hours, Suzie and her friends left 4 days ago and stopped and vacationed along the way.  I trained Suzie and her friend on February 18 and 19.

Suzie has owned and operated her own advertising and publishing business for many years; but like the real estate industry, the publishing world is experiencing financial difficulty too.  It appears that right now, bankruptcy is about the ONLY growing field in America.

However, since Suzie has owned her own business for many years, there is no doubt that she will be ready to start working for attorneys within a short period of time.  Plus, Suzie has an outgoing and caring personality which is a perfect fit for working with clients in Chapter 7 and Chapter 13 bankruptcy.

NEW PRODUCT FOR ATTORNEYS

I am presently in the final development stages of a new product for attorneys called:  PRE-QUALIFY INTAKE FORM.  This is a four-page questionnaire, consisting of mostly YES and NO questions.  This makes it easy for the client to fill out in less than 5 minutes while at the attorneys office.

Using the accompanying INTERPRETATION TOOL, the attorney will quickly learn how to glance down the PRE-QUALIFY INTAKE FORM and get a good, general idea as to the complexity of this case.  This information will allow the attorney to make the determination whether to accept the case or how much of a fee to charge.  The more complex the case, the higher the fee.

As soon as the product is available for sale I will announce it to my PERSONAL LinkedIn Group.  If you are not subscribed to my LinkedIn Group, visit:
http://www.linkedin.com/in/coloradovictoria
and click on ADD VICTORIA RING TO YOUR NETWORK (upper right)

WATCH FOR CLAY HOLLANDS EMAIL ABOUT THE SEMINAR TO ARRIVE SOON

Please update your contact information for 713Training.Com to:

713Training.Com
PO Box 786
American Fork UT 84003-0786
Toll Free: 800-535-9984
Email: clay@713training.com

I am happy to report that both 713Training and 713Attorney have grown so rapidly that I had to separate them.  Clay Holland has been selected as the new Operations Manager for 713Training, which provides training and support to Virtual Bankruptcy Assistants and I will directing my efforts toward attorneys and their law firms.

I chose to work solely with the training and support of debtor bankruptcy law firms because one attorney, if properly trained in the Chapter 7 and Chapter 13 process, will benefit the lives of thousands of debtors over his or her career.

Additionally, the debtor side of bankruptcy law is growing at such an alarming rate that new attorneys require immediate training.  It is impossible for me to continue to run both 713Training and 713Attorney as a one person operation.  Therefore, to better serve both the VBAs and the Bankruptcy Attorneys, I have chosen this method to provide both markets with the ongoing training tools they require.

Why did I choose Clay Holland?  Because I personally trained Clay in the preparation of bankruptcy petitions and Clay took that knowledge and grew a very successful VBA business in 3 or 4 months.  He also has invested a great deal of time in helping an attorney in Salt Lake City build his practice, and has achieved even more success and knowledge in this field.  There is no doubt in my mind that Clay has the skills to continue the development of new training products for the VBAs and to be able to provide them with ongoing support.  And because Clay is working as a VBA every day, he will have more insight than I have because I rarely do petitions any more (except for complicated Chapter 13s).  For this reason Clay Holland was chosen to take 713Training to the next level and be better able to serve the growing needs of the VBA industry.

For more information about Clay Holland, visit:
http://www.713training.com/clayholland.html

Join me in welcoming Clay Holland as the new Operations Manager. To send him an email of congratulations, use: clay@713training.com

Victoria Ring
developer of 713Training.Com

From 2004 to 2010 these companies served two separate markets. 713Training provides training and support for virtual bankruptcy assistants and 713Attorney provides training and support for the debtor bankruptcy attorneys.  For the past several years, Victoria Ring has been able to manage both of them with occasional support from virtual assistants she hired to answer phones and fill orders.  But at the alarming rate the bankruptcy industry is growing, a point occurred where the companies had to be separated or both of them would suffer.

Therefore, on February 1, 2010; Clay Holland of MyBankruptcyAssistant.Com will take over the management of 713Training.  Victoria Ring will then have the ability to direct her attention solely to the training and support of debtor bankruptcy attorneys and their law firms through 713Attorney.

HOW TO STAY CONNECTED TO VICTORIA RING

1.  Visit http://www.linkedin.com/in/coloradovictoria
2.  Click:  ADD VICTORIA TO YOUR NETWORK
3.  If you are not already logged into LinkedIn you will be asked to login
4.  When prompted to type in an email address, use:  victoriaring@lawyer.com
5.  Send the email invitation

If you are already subscribed to the 713Training LinkedIn list, by all means, DO NOT UNSUBSCRIBE.  Clay Holland works as a virtual bankruptcy assistant, who is also assisting an attorney in building his law practice; therefore, Clay has a great deal of knowledge to share with the group that will be beneficial to you.

I apologize for any inconvenience this change may cause but this is the procedure that LinkedIn has in place to prevent you from being subscribed to a network for an individual you are not interested in following.

Additional changes are being made to compensate for the rapid growth of 713Training and 713Attorney.  Make sure you stay connected for updated details.

Victoria Ring, CEO
http://www.713Training.Com
http://www.713Attorney.Com

Brand New EReport, 49 pages, 12,270 words, titled:

The Guaranteed, No Holds Barred, Easy, Step-by-Step Instruction Guide to Skyrocketing Your Virtual Bankruptcy Assistant Income Without Spending Another Dollar To Find Out

Think about this:

If you were the only store within 500 miles that sold winter coats, and your store was located near the border of Canada and the United States (where they get 300 or more inches of snow per year), how busy do you think your store would be?

You certainly would not need to advertise for customers.  You definitely would need to hire employees to help you though.  You definitely would be sold out of winter coats very quickly and would need a steady and reliable supplier.  But, you would be making a ton of money.

VBAs are in the same position.  The debtor bankruptcy field is booming.  Even attorneys working in other areas of law are flocking to this field because the market is growing by 50%, 60% and I have seen figures as high as 82%.  This has NEVER happened during the course of bankruptcy history!!

Yet, some VBAs are making little or no money and barely have their business off the ground.  Why?  I didn’t know the answer to that question because I had always had success in this field.  So I decided to find out by working directly with other successful VBAs.  One VBA that I recently worked with was Clay Holland of MyBankruptcyAssistant.Com.  Clay came to Colorado Springs for training back in June 2009.  I was impressed with the fact that he had a professional demeanor about him (which is impressive to most attorneys), a deep concern about the quality of his service and his sincere desire to improve his skills to an expert level.  I began working with Clay by referring business to him through articles that I wrote and mentioned his company.  That is all it took.  The attorneys contacted Clay and within a few weeks, he was beginning to make money.

How did this happen?  Why can’t everyone who truly wants to work as a VBA experience the same success?  What makes people like Clay Holland and others like Alexiss Harris, Gary Ostad, Linda Rantz, Evan Fuller, Armida Addessi, Yordanska Fraser and Mary Sosa so successful?  What are they doing that you are not doing?

This report will provide that answer.

Download your copy now for only $25.00.  Visit:
http://www.713training.com/shop/cart.php?m=product_detail&p=119