Pay Your Bill Please!

1.) Obama Phones
2.) Obamacare

3.) Free Community College

4.) Paid sick leave

Question...SHOW ME THE MONEY!?! Where is it coming from? As a legal expert & Executive Analyst (Because unless you specialize in Family Law, you cant call yourself a "Specialist") I'll tell you where. From the blood, sweat and hard work of the middle class. You see the "poor" cant afford to contribute and the "Rich" pay people like me to legally find a way to either reduce or avoid all together paying for additional taxes, corporate and otherwise. 

On the Oscars Mr. Sharpton, is there a possibility that just this time in

as many years as I can remember that there just wasn't any brown actors good enough that were cast? I mean for goodness sake, Denzel Washington hasn't done anything lately, neither has Will Smith for that matter, Bill Cosby has a new project, but has been all but blackballed because of 40 year old trumped up allegations against him that I can only assume are to get press, and Oprah Winfrey, well; lets say this new movie...of which I cant recall the name, is no modern day version of the Color Purple! People, I'm just speaking the truth

that few people dare to and definitely no one of color will, out of fear of being labeled an "Uncle Tom". Is that term used anymore? Political Correctness be damned. If my daughter isn't the prettiest little girl in the competition, then don't give her the crown. If my son or future son isn't the best ball player, then he doesn't deserve a trophy! In the real world, when they grow up....only the winners and hard workers get the big bucks. Can we stop raising welfare cases and pussies. Yes I said it, PUSSIES! Also, lets make ENGLISH the National language and stop catering to other languages....I personally know that other

countries don't cater to us like we them, Lets make a law that requires that if you should fly a Mexican flag or any flag other than an American one....that its mandated that you also fly an American flag and that it either be larger or raised higher than any other! Finally, ladies; I, like others welcome and applaud your service in the Armed Forces, but lets face it....the majority of you are NOT as strong and cannot endure as men in the trenches and will actually suffer from serious hygiene ailments if you try to live on a rooftop in Baghdad or in a cave

in Afghanistan in the 130 degree heat for days on end without bathing such as I and many of my fellow soldiers did and continue to do...SO, no Army ranger for you! (A take from the soup Nazi from Friends...lol) Personally, you can unlike me, unfollow me, unfriend me or what have you if you disagree, yet another right you have in this GREAT nation of ours America. It will not take food out of my families mouth. In addition, can we elect a President again that has

 

AMERICAS and its citizens, Legal citizens interests at heart? Finally, only add your two cents if its going towards the bill...not if your taking from the till!

#thatskeepingitreal!

Do you know anyone with less than perfect credit?

You're invited 

to a 

 FREE 

overview of how we can help you RESTORE your credit!

Today, Tuesday January 13, 2014

7:00 pm

6655 W. Sahara Ave Ste B100 

(Media Room) 

Las Vegas, Nevada 89146

Located at the S.W. corner of Rainbow and Sahara, 

the pink office complex next to Carmax

HAPPY HOLIDAYS!

FROM: 

M & A LEGAL MANAGEMENT

-AND-

It's Partners, Associates, Affiliates, and Staff! 

Top 5 Commonly Broken New Year's Resolutions

• Lose Weight & Get Fit
• Quit Smoking
• Learn Something New
• Eat Healthier & Diet
• Get out of Debt and Save Money

Our team can help you with achieving at least two of these goals, since I'm a fan of dining well, smoking great cigars, and I believe I've spent enough time in school, guess which one my team is going to help you with?

In 1970, Congress passed the Fair Credit Reporting Act, allowing any American with a Social Security number to dispute any item on his or her credit report. As an industry leader specializing in credit restoration, United Credit Education Services utilizes the latest technology to ensure fast, accurate service. M & A Legal and Financial Education Services through UCES helps clients get the results they're looking for by assisting them in deleting inaccurate, erroneous, and obsolete items such as:

* Late Payments * Medical Bills * Collections * Charge Offs
* Foreclosures * Repossessions * Bankruptcies * Public Records
* Judgments * Settlements * Student Loans * Past Due Bills
* Tax Liens * Many more...

Debt Collector Harassment 

Many debt collectors today will stop at nothing to collect money from you. They call people at home, at work, and even on their cell phones. These calls are not only embarrassing, but in many instances the debt collectors are abusive, threatening and intimidating. Under the law, we can direct the debt collectors to stop contacting you and they must obey our direction. 

Credit Report Problems

Credit reporting agencies such as Trans Union, Experian and Equifax frequently make mistakes. In fact, about 80% of consumer credit reports contain errors. Many of these errors can result in a depressed credit score resulting in denial of credit, lost employment opportunities, higher interest rates, higher insurance premiums and more.

Common causes for Credit Report Errors

• Identity Theft – for the past several years, this has been one of the fastest growing crimes in America. Someone gets a hold of your personal information and opens credit accounts in your name. 

• Mixed/Mismerged data – Two different people with the same name might have data mixed up between their accounts
  
• Timely payments reported as late – Some creditors have collection departments that report payments several days and sometimes weeks after receiving a payment from you.

• Derogatory information that remains on a credit report for longer than seven (7) years.
  
• Bankruptcy information that remains on a credit report for longer than ten (10) years.
  
• Home mortgage loans being reported as foreclosures, when in fact, no foreclosure had ever been initiated by the lender. 

CALL NOW TO  FOR 2015

6655 W. Sahara Ave., Ste B200

Las Vegas, Nevada 89146

(888) 449-5841

MON-FRI 9am-5pm

SAT & SUN by appointment only

Additional steps to take to maximize your credit file during and after credit restoration:

Step 1: Pay your bills on time.

Because your payment history makes up approximately 35% of your credit score, a strong record of on-time payments is key. One missed payment could lower your score significantly. Stay on top of your credit card, loan, and utility bill deadlines, making at least the minimum payments.

Step 2: Pay down debt.

Large loans and maxed out credit cards are going to drag down your credit score. Try to keep a low debt-to-credit ratio, meaning that your credit card balances should be only a small fraction of your available credit. For instance, if you have a limit of $10,000, your revolving balance should stay well under $3,000. Note that credit bureaus look at both your total debt-to-credit ratio as well as the debt-to-credit ratio of each credit card, so do your best to maintain favorable ratios for both.

Note: If you “maxed” out your credit cards, this will affect your credit score negatively as well.

Step 3: Don’t close established accounts.

A short credit history may have a negative effect on your score, but a short history can be offset by other factors, such as timely payments and low balances.

Step 4: Limit the amount of new credit you apply for.

Each time you apply for a new loan or a new credit card, your score drops. This is because it has been statistically proven that those acquiring more credit are a bigger lending risk than those who are not. The credit scoring programs are designed to distinguish rate shopping from opening new credit. So if you are shopping for a mortgage or loan, do it in a short, focused amount of time. If you request a copy of your own credit report, or if creditors are monitoring your account or looking at credit reports to make prescreened credit offers, these inquiries about your credit history are not counted as applications for credit.

Step 5: Establish a good credit mix.

Many credit-scoring models consider the number and type of credit accounts you have. A mix of installment loans and credit cards may improve your score. However, too many finance company accounts or credit cards might hurt your score.

Give a little Back!

Now that Thanksgiving Day is over, don’t get out of the spirit just yet because Christmas and the New Year is right around the corner, a time of year when many people reflect on what they have to be thankful for, as well as what they can contribute to better the lives of others. In the run-up to the holiday, Robert Half Legal released some telling data about how lawyers are giving back through pro bono work.

The data shows that attorneys in general have gotten more generous with their time and energy over the last few years as far as pro bono is concerned. The legal staffing agency broke the numbers down for CorpCounsel.com to show that in-house lawyers are no exception to the rule.

“Pro bono is so important, and legal professionals are responding to help meet the increased demand for legal pro bono work,” Charles Volkert, executive director of Robert Half Legal told CorpCounsel.com.

Of the 175 corporate counsel interviewed by phone by the agency, 25 percent said they increased either slightly or significantly the number of hours they work on a pro bono or volunteer basis over the last five years. This is somewhat lower than the overall percentage of lawyers doing slightly or a lot more pro bono—33 percent—but corporate departments are still clocking a fair amount of hours.

For in-house counsel, the average number of pro bono hours reported annually was 41, and some 32 percent dedicate 50 or more hours of their time each year to pro bono service. Some 5 percent are huge contributors, devoting 200 hours or more of their time to pro bono work.

 M. Joseph Miller II. President & Founder
 Trial By Peers,
formerly the Clark County Youth Law Foundation.
"Over 20 years of volunteering &
 doing for the community as best I can"

In August, the American Bar Association House of Delegates adopted a resolution that might help even more in-house attorneys give back through pro bono. The resolution requests that in-house lawyers be allowed to do pro bono in the jurisdiction where they are employed, even if they are not licensed to practice law there. Currently, all jurisdictions allow in-house counsel to practice where they are unlicensed in the context of employment with a company, but not all jurisdictions allow them to do pro bono work where they are unlicensed.

Volkert said that in his experience, candidates for legal jobs are certainly attracted to companies or law firms with more pro bono clout, and especially those with full-fledged pro bono programs. “They want to know about the pro bono environment,” he said. “Many legal job applicants value a strong pro bono culture within a corporate legal department or within a law firm, depending on which they’re pursuing.”

The Robert Half data revealed that for in-house lawyers specifically, and lawyers overall, the greatest motivation for doing pro bono was “helping others.” This was followed by “developing skills or legal expertise” and “enhancing professional reputation or career.”

Besides being a win-win for the in-house attorney and the pro bono client, offering a pro bono program can have other benefits for the law department, explained Volkert. “It can really put a name out there for an in-house legal department for giving back to the community,” he said. It’s also a way of getting in-house attorneys to collaborate and work closely together.

Pro bono can also improve bonds between in-house attorneys and their outside counsel, Volkert added. A small legal department can take on a bigger project than they might have otherwise if they let the law firms of their choice get in on it.

M & A Legal Management

6655 W. Sahara Ave., Suite B200

Las Vegas, Nevada 89146

(888) 449-5841

Happy Thanksgiving!

Wishing you the best of everything always. It is Thanksgiving week now and we know there are some of you out there that are starting to feel a little stressed. We realize that those of us hosting a big family dinner are in the stages of chaotic preparation, but with a clear and concise plan delegated to each day leading up to Thanksgiving, you eliminate a lot of the last minute chaos that comes with the rigors of hosting. Here are some tips we find useful. Tuesday Defrost your turkey if frozen. Proper defrosting techniques dictate a frozen turkey be defrosted 24 hours per every five pounds. Tidy up guest spaces: Guest rooms and bathrooms should be cleaned. Do all last minute shopping this day. Wednesday With all your food in order, make a cooking list of things you want to make and when to make them. This will help you make better use of your stove, oven and counter spaces. Go back to the guest bathroom and do a quick last minute cleaning and clean common spaces. If you are one of those people who make gravy prior to Thanksgiving, go ahead and take it out of the freezer and put it in the fridge for defrosting. Thursday It's Thanksgiving and you have done all the small tedious things already. Time to start cooking the rest of the meal, set the table and enjoy the company of friends and family. ENJOY! From everyone here at M & A Legal Management we hope you have a great Thanksgiving and that you are able to better enjoy your day with these useful tips.

NEW YEARS RESOLUTION