 |
|
 |
 |
 |
|
 |
 |
|
|
|
|
|
I am $40K in debt. I am falling more & more delinquent in payments. My credit report is severely damaged. I am trying to get a second job but in this economy it has been impossible. Please help!
|
|
|
|
There are many factors that will determine the best course of action. Do you own a home? What are your other fixed costs (i.e. rent, car payment, etc...)?
I suggest coming up with your own repayment schedule for the unsecured debt and offering it to the credit card companies. I, or any financially oriented individual can help you with that. Good Luck.
William Lanzana
Lanzana Advisors
bill@lanzana.com
read more...
More Link
|
|
|
Hello,
You have several issues here and the best way for you to improve your situation is to meet with me at no cost to you so I can get a full picture of your situation. I have trusted advisors that can probably assist you. In addition there are some things you can probably do on your own to assist the situation. I am also a White Plains resident.
Regards,
Robert Remin
Senior Loan Officer/Mortgage Planner
914 723-9066
rremin@optonline.net
read more...
More Link
|
|
 |
|
 |
|
The content posted on ZOOMNIA has not been evaluated for accuracy, and ZOOMNIA does not guarantee either its accuracy or its relevance for any particular situation. Click here for the full Disclaimer. |
© ZOOMNIA Corporation
General Disclaimers and Terms of Use
March 13, 2007
By using the ZOOMNIA.com website you agree to abide by all terms of use and disclaimers governing this website.
ZOOMNIA.com is provided by ZOOMNIA Corporation to help you communicate with businesses that might be able to provide information, products, or services to you. The information provided on ZOOMNIA.com, any other ZOOMNIA Corporation property or media, or through emails sent through ZOOMNIA.com is meant to assist you, but is NOT a substitute for an in-person consultation with a qualified service provider. ZOOMNIA Corporation does not explicitly or implicitly endorse any business or person. Furthermore, nothing transmitted to or from this website constitutes the establishment of a legally recognized relationship with any person or business, including ZOOMNIA Corporation.
Applicability of the information discussed at this site may differ substantially in individual situations or in different states or countries. Remember, when dealing with important issues, you should not rely on the materials or the content provided on this site without first seeking the advice of a qualified, appropriate service provider about your particular situation.
ZOOMNIA.com, ZOOMNIA Corporation, its owners, managers, board members, employees, contractors, and vendors do not provide any express or implied warranties of merchantability, suitability, or completeness of the information or tools found on this website including, but not limited to: i) answers in My Questions, ii) posts on the ZOOMNIA Answer Forum, iii) information or resources of other websites with links on ZOOMNIA.com, and iv) any other information or resource found on this website or sent by ZOOMNIA. The information provided herein is to be used at your own risk. In no event will ZOOMNIA.com, its owners, manager, board members, employees, contractors, or vendors be responsible for any direct, indirect, incidental, special, exemplary or consequential damages (including, but not limited to, procurement of substitute goods or services; loss of use, data or profits; or business interruption) however caused and on any theory of liability, whether in contract, strict liability, or tort (including negligence or otherwise) arising in any way out of the use of this site or the resources it provides, even if advised of the possibility of such damage.
Nothing contained on this website should be construed to constitute a recommendation or endorsement of any product, service, site, business or natural person. Any listing, name, content, material of any natural person or business found on this site does not constitute any endorsement, recommendations or referral of such person or business. When deciding to hire a service provider to purchase products you should do your own independent research and not solely rely on the materials found on this site.
By posting or submitting material on ZOOMNIA, you grant ZOOMNIA Corporation and ZOOMNIA.com a royalty-free, perpetual, irrevocable, non-exclusive right (including any moral rights) and license to use, reproduce, edit, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the submitted content (in whole or in part, but not including your personal information) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any rights that may exist in the content.
ZOOMNIA Answer Forum Disclaimers and Terms of Use
The ZOOMNIA Answer Forum is a free service provided by ZOOMNIA Corporation. There is no cost to submit questions or posts, to respond to questions or posts, or to look up past questions and answers.
You should assume that ZOOMNIA.com has not reviewed the posts on the ZOOMNIA Answer Forum and the views expressed therein are those of the posters and do not necessarily reflect those of ZOOMNIA.com, ZOOMNIA Corporation, it owners, managers, agents, board members, advertisers or affiliates. ZOOMNIA Corporation assumes no responsibility for the posts or the information contained therein, nor does it make any claims, promises or guarantees about the accuracy, suitability or completeness of any of the information in the posts. Use the advice and information provided at your own risk.
By posting or submitting material on the ZOOMNIA Answer Forum, you grant ZOOMNIA Corporation and ZOOMNIA.com a royalty-free, perpetual, irrevocable, non-exclusive right (including any moral rights) and license to use, reproduce, edit, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the submitted content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any rights that may exist in the content.
You agree that you will not use the ZOOMNIA Answer Forum to post any advertisement or other commercial message. You agree that you will not post any knowingly false, defamatory, inaccurate, abusive, harassing, obscene, sexually oriented or threatening message or material that is illegally invasive of another person's privacy. ZOOMNIA.com will attempt to delete any inappropriate posts as quickly as possible; however, the submissions are generally posted in real-time and are typically not reviewed by ZOOMNIA.com or its editorial staff before they are posted to the site.
You agree that you are solely responsible for anything you post on the ZOOMNIA Answer Forum and that you agree to indemnify and hold harmless ZOOMNIA Corporation, its owners and employees with respect to any claims based upon your posts/submissions to the ZOOMNIA Answer Forum.
You also agree that you understand that the businesses or natural persons that participate on ZOOMNIA.com are not affiliated with, employed by or agents of ZOOMNIA Corporation, and that we make no representations as to the qualifications of any one participating anywhere on ZOOMNIA.com Any listing, name, content, material of any person or business found on this site does not constitute any endorsement, recommendations or referral of person or business. When deciding to hire a service provider or purchase a product, you should do your own independent research and not solely rely on the materials found on this site.
We try our best to ensure confidentiality and protect your privacy when you post questions on ZOOMNIA.com. Your personal information, if we have it, such as name, address, email address, phone, etc., is concealed from all users, unless you explicitly tell us to reveal them. Only the ZOOMNIA.com administrators have access to your personal information. We will not disclose this information to third parties without your permission except to the extent necessary including: i) to protect ourselves from liability or ii) to respond to legal process or comply with the law. However, because these are public forums, you must also understand that you might lose some privacy by posting your questions or answers on the ZOOMNIA.com. Although you can stay anonymous, your facts and your view of the facts may not remain a "secret" any longer.
Please remember that no information found at this site, can replace a face-to-face meeting or telephone consultation with a “real live” service provider to discuss your particular situation, problem or question. The information you find here or in the answers should just be a starting point in finding your answers. Nothing transmitted to or from this website constitutes the establishment of a relationship between you and a service provider.
Changes in Terms & Conditions
Because the Web is an evolving medium, we may need to change the Terms & Conditions at some point in the future, in which case we’ll post the changes on this website and update the date of the policy to reflect the date of the changes. By continuing to use the Site after we post any such changes, you accept the Terms & Conditions as modified.
How does ZOOMNIA work?
ZOOMNIA customers use us for one of two reasons -- to find advice from specialists, and/or to hire someone in their local area. We pass their questions on to qualified specialists, like you. You review the questions, and, if you decide you’d like to respond, you have the option of sending a response directly to a customer. We charge a $2 fee for this, which is well worth it, as you start a relationship with someone who already needs your services! Your answer will always be published on our ZOOMNIA Answer Forum for free. Lots of people, including people doing web searches, will notice your expertise and can contact you.
How do customers submit their questions?
Customers submit their questions on the ZOOMNIA website. We encourage them to provide as much detail as possible to make it easy for you to serve them successfully.
How will you let me know when I receive a question?
You'll be notified by e-mail. Whether or not to respond is totally up to you. Remember, only the first three responses from specialists will be delivered directly to the customer’s ZOOMNIA account.
How do I respond to a question?
Choose from three ways – all of them easy!
1. You can choose to respond to a customer directly. We forward your customized response, with your contact information and qualifications, right to the customer. What a great way to jumpstart a relationship with a potential customer who has an immediate need for someone with your expertise! A $2 fee applies. Well worth it! Your answer will also be published on the ZOOMNIA Answer Forum. (see #2!)
2. Choose to have your response published after 48 hours on the ZOOMNIA Answer Forum only. Your response will not be sent to the customer who asked the question. However, to anyone searching the Internet you will position yourself as an expert in your field, and they will be able to contact you directly. Our sponsors cover the cost, so you’re being charged nothing as thousands of Internet searchers, from Westchester County and beyond, get to see your responses.
3. You can simply ignore the question. The customer won’t even know you looked at it. Of course, there’s no cost for this.
How many specialists can respond directly to the customer?
We don’t want to overwhelm our customers. Once the first three specialists have chosen to respond directly to the customer (the $2 fee will be deducted from your account balance), the question will be closed.
How do I quote on the job?
Same as you always do. It's between you and the customer. We don’t interfere, and we don’t take commission. We’re happy just doing what we do.
How do I know if a customer wants to hire my business?
Most customers will get in touch with you quickly, because most of them have an immediate need. However, they can hold onto your responses in their ZOOMNIA accounts for as long as they want and some may take longer to contact you. In the meantime, they are probably telling their friends about you and your great answer.
Do I pay ZOOMNIA a commission if I get a new customer?
No. No fees. What you bill your new customer is 100% yours.
What happens to my response if I don't get the customer?
Your response will always be published on our Answer Forum after 48 hours. Again, there’s no charge to you. Each response stays there for at least six months, so thousands of Internet searchers can find you and contact you.
Will I get stuck in a contract with ZOOMNIA?
No. The only obligation you have is to give high quality answers and service to customers.
What does ZOOMNIA expect of me, as far as answering questions is concerned?
Mainly three things:
1. Don’t answer a question if you can’t serve the customer’s need. You may know the answer, and you’re only trying to help, but if you can’t follow up with actual service, we’d rather someone else take a crack at it.
2. Don’t say something is a fact if you’re not sure it’s a fact. This protects your credibility, as well as ours. And speaking of credibility, always be honest. Don’t try to fool or mislead customers. Enough said.
3. Provide a complete answer to the customer's question. Describe how you can help the customer. Write a short statement describing your company. This is your chance to turn a question into a customer. Take the time to write a complete, useful answer. "Call me" is not an answer. The business that writes the best response will get the customer. What if I want to stop receiving questions from you?
Just call or email us and we’ll remove you from our list of specialists. The only reason we can think that you might do this is if ZOOMNIA brings you more business than you can handle. What a nice problem!
How does it benefit my business to be part of ZOOMNIA?
ZOOMNIA gives you access to potential customers at little or no cost to you. These customers are excellent prospects, because many need your service right away! ZOOMNIA allows you to show off your expertise to the community. And, you have the chance to provide helpful answers to customers who now know who you are and may call you at a later date.
What if I like to work in a small local area and don't want to waste time with inquiries from outside my area?
That’s one of the many advantages of ZOOMNIA. We don’t waste your time. When customers ask their questions, they indicate their zip code so we can connect them with businesses in their local area. That means you'll only be receiving local requests. However, if you think a customer is too far away from you, you’re under no obligation to respond. No one will ever know you received the question.
How do I know that I will receive "good questions"?
Our customers are serious and specific about the services they need. They come to ZOOMNIA to "specialist shop" rather than "price shop" This type of customer tends to ask very good questions. Plus, we give customers “tips” on how to write their questions so you can better serve them. Of course, you’re under no obligation to respond. (But if you don’t, watch out! Another business will!)
Where do you serve residents?
For now, ZOOMNIA focuses on Westchester County, NY, but will soon expand to new areas.
How many other businesses are working with you?
We have hundreds of local businesses in diverse categories such as pediatricians, personal trainers, carpenters, antique jewelers, psychologists, schools, photographers, dentists, kennels, realtors, mortgage lenders, and many others. Too many to mention here, but all enjoy the benefits of having customers delivered to them by ZOOMNIA.
Where are you located and how can I contact you?
ZOOMNIA has offices in Westchester, NY and Fairfield, CT. Feel welcome to contact us at support@zoomnia.com.
How long have you been around?
Since the beginning of 2006. If you’re thinking that somebody should have thought of this idea sooner, we agree!
How do I get listed with ZOOMNIA?
Click on www.zoomnia.com and follow the prompts.
What is the review process like?
Oh, we’re tough! Our goal is to only promote high quality businesses. We check your credentials, qualifications, and any pertinent licenses or registrations. We also conduct reviews throughout the year. These won't take any of your time, but help us ensure that we only send customers to quality businesses.
How do I reach you with a question, concern, or problem?
Email our business relations staff at support@zoomnia.com.
How much does ZOOMNIA cost?
Good news! It’s free! ZOOMNIA costs you nothing. Local specialists answer your questions because doing so is good business! Simple as that.
How does ZOOMNIA work?
Very easily. You submit a question at ZOOMNIA.com. We speed your question (but not your name or contact information) to qualified specialists in your local area. You'll receive as many as three customized answers from specialists through ZOOMNIA. We’ll notify you by email when the answers arrive.
Why should I use ZOOMNIA?
ZOOMNIA saves you time and energy by making it simple and fast to get advice or to hire someone. No combing through yellow pages or leaving countless messages. With ZOOMNIA, you’ll receive personalized answers from local specialists.
What kinds of specialists do you have?
Specialists in their fields, such as personal trainers, carpenters, photographers, dentists, kennel managers, realtors, and many others. Too many to list here, but you can see them all if you select "Show all Specialties" when you ask your question. And there are more new businesses and specialties being added all the time.
How do I find a specialist in my area?
That's what we do best! When you ask your question, indicate your zip code. That way, we can connect you with specialists near you.
How do I ask a specialist a question?
On ZOOMNIA's home page, you’ll choose a specialty and type your question in the space provided. We give you tips to help you, such as: Include every important detail, to help our specialists give you the most valuable answer. For example, instead of, “I need a personal trainer so I can get in shape,” how about, “I need a personal trainer in the Scarsdale area who can come to my home in the early a.m. three times a week. I’d like to do weight training, and I have the equipment.” See? Like that. The more details, the better the answer, and the better prepared your specialist will be to answer you.
How will I get my answers?
As soon as your answer is available, ZOOMNIA will e-mail you with a link that will send you straight to your answer.
When will I get my answers?
That varies, of course. Some questions can be answered quickly. Others require more time. You can be sure that your answers will be developed just for you.
What will my answers look like?
Specialists will answer your question as precisely as they can. They are committed to helping you solve your problems and will be providing information, advice and a service offering, if appropriate. You will receive up to three answers.
What if my question is very unique?
Go ahead! Be yourself! At ZOOMNIA, many specialists can review your one question. So if you have a question that’s unusual, difficult, or even a question you feel is a little embarrassing, you only have to ask it once. Remember, you remain anonymous.
Does it cost me anything to ask a question?
No. Totally free. No hidden costs. No obligations. Even if you choose to hire your specialist, you still pay nothing to ZOOMNIA.
What if I don't like to give out my name or contact info?
We understand! Be assured that we never give out your contact info. We'll forward your question to our specialists and then send their replies back to you through ZOOMNIA. You can even ask follow-up questions. You will always have the specialists' contact information if you wish.
What if I need to hire someone?
Easy. If you like a specialist's answer, give them a call or e-mail them to discuss the details.
What if my problem needs immediate attention?
Just say so! Make your immediate need clear in your question.
What if I have a problem with a specialist?
Please let us know if you have any problems or concerns about a specialist. We will check into it. Our goal is to connect you to top-quality businesses.
Where is ZOOMNIA and how long have you been in business?
You mean, like, “Why didn’t somebody think of this before?” Maybe somebody thought of it, but we did it! ZOOMNIA has offices in Westchester, NY and Fairfield, CT. We've been in business since the beginning of 2006.
What area does ZOOMNIA serve?
For now, we focus on Westchester County, New York, but we will be expanding soon to new areas.
What if I wish to contact you?
We’d love to hear from you at help@ZOOMNIA.com.
ASK A QUESTION: This is why we're here! Everyone has a ToDo list full of challenging projects. We can help you make better decisions and find the right specialist to help you. Just ask your question. You can seek information, advice, and even the availability and pricing of service professionals in your area.
MY QUESTIONS: All the questions YOU have ever asked through ZOOMNIA, and all the answers. You must sign in to access My Questions.
ANSWER FORUM: All the questions and answers asked by users of ZOOMNIA, searchable by keyword or specialty. Always anonymous.
FAQs: How ZOOMNIA works for you, the customer.
SIGN IN: Sign into your ZOOMNIA account or create a new ZOOMNIA account so we can send your question to our specialists. Also sign in to see your previous questions and answers from specialists and add your own answers to the Answer Forum.
SPECIALTIES: We have a wide variety of quality specialists to help you with your challenges. Choose the type of specialist that can answer your question. For example, you may be looking for advice on when to have your child start guitar lessons. Select Guitar Instructors. Or, you may be trying to decide which kind of fruit tree to plant in your backyard. You could select Tree Specialists. By the way, if you don't see a specialty you have a question for, let us know at help@zoomnia.com.
BUSINESS SIGN IN: Businesses (specialists) sign in to access their questions, accounts, business profiles and knowledge centers. Businesses new to ZOOMNIA can apply for registration. Businesses are asked to complete a business registration and profile which will be analyzed by the ZOOMNIA 9-step qualification process.
I WANT TO REMAIN ANONYMOUS: We never share customer contact information with businesses. All e-mails are sent through ZOOMNIA.com. You remain anonymous until you are ready to contact the business directly.
|
