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Older Workers Twice as Likely to be Among Long-Term Unemployed

In the past couple of years we’ve heard (and talked) a lot about The 99ers, a group of jobless Americans, unceremoniously known as “99ers” because of their inability to find work prior to the exhaustion of the maxim mum 99 weeks of unemployment benefits and extensions. But the term 99er is now twice as likely to apply to older workers, according to a new report from The Huffington Post’s Arthur Delaney, proving once again that the struggling economy is impacting more mature Americans than anyone previously thought.

What Is A Home Loan Modification?

Loan Modification Law Offices of John T. Orcutt


What is a home loan modification?


Foreclosure is a costly process for lenders, so many are willing to consider loan modification as a way to avoid doing so.


A loan modification is different from refinancing your mortgage.  Refinancing calls for replacing the  loan with a new mortgage, whereas a loan modification changes the terms of the existing loan.



Law Offices of John T. Orcutt Money Back Guarantee.

Question:  Need to file bankruptcy or think you might?


File with us, do your part, and here's our guarantee.

You will have less debt, GUARANTEED, or YOUR MONEY BACK.

That's right, file with us, do your part and you will have less debt*, GUARANTEED or YOUR MONEY BACK*.

Most of the time, a lot less debt. 

Do Your Credit Reports Have Errors?

Check Your Credit Report


Negative errors

For rebuilding credit I place a lot of emphasis on adding positives to your credit reports (new, “paid on time” entries).  There are negatives on your reports too, but over time they have less and less effect on your score.  This is assuming all of the negative items on your report are correct, or even yours.  Yes, there is a very real possibility of mistakes.



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