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I have been unemployed for a year and a half. I have approximately $15,000 worth of debt, much of it in credit cards. I am a single mother and I have also been caring for an extremely ill daughter which makes it difficult for me to return to work at this time. I have virtually been ignoring collector's phone calls as I can't afford even a debt reduction plan at this time. Should I declare bankruptcy? My credit is "shot" anyway!!
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Yes, you should file for Chapter 7 bankruptcy protection b/c the creditors are not going to go away. I am assuming you do not own a house, are suing anyone as a result of a physical injury and you do not have more the $2,500 in your bank accounts. Chapter 13 is when you agree to pay back some of your debt over a 3 or 5 year period of time.
I am a solo practitioner and have filed over 500 Chapter 7 Bankruptcy Petitiions over the past 10 years.
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Dear Single Mother from Pleasantville:
Based on your brief note, Bankruptcy may well be your best option. Kindly call me at my White Plains office at 914-946-6555 to discuss your financial situation further and, if you are interested, to schedule an appointment.
If I am not in when you call, kindly be sure to leave your full name and any home and/or cell numbers, so that I may return your call as soon as possible.
Very truly yours,
Ken Busman
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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. |
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March 13, 2007
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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.
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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.
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