Credit Repair For Texans

Texas residents should consider themselves lucky in that they enjoy some of the strongest consumer protection laws of any state. For starters, debt collection agencies and credit bureaus must be bonded to do business in Texas. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Believe it or not, there are some collection agencies that are not even aware of this law and try to collect on debts from Texas residents. Usually, the people they are collecting from don’t know about this law either so they go unpunished. I had one collection agency that was listing a collection on my credit report and according to Texas law, the mere fact that they are reporting a debt on a Texan’s credit report is considered collection activity.

Credit Repair

I investigate any collection agency that sends me a letter or places a collection account on any of my credit reports. I had never heard of this particular collection agency so I immediately did a search on the Texas Secretary of State’s website to see if this collection agency was licensed to do business in Texas. When I found out they were not licensed to conduct business here in Texas, I immediately drafted a letter to the collection agency advising them that they were in violation of Texas law. In the letter, I cited the particular law they were violating and Cc’d the letter to the Texas Attorney General’s Consumer Protection Division. Well, thirty days later, the collection was still on my report! I drafted a lawsuit petition and on it I placed a watermark that read “DRAFT,” and sent it to the registered agent of the collection agency so that they could forward the ‘draft’ of the lawsuit I was going to file if they didn’t remove the collection from my report immediately. Within 4 days of receiving my letter (you always send everything certified return receipt requested), the collection was removed. After the collection agency removed the account from my report, I sent them a follow up letter stating that I had decided to file a lawsuit as my rights under Texas law had been blatantly violated and that these violations had caused me to pay a higher interest rate on my loans. About a week later, I received a letter from an attorney representing the collection agency offering me what I thought was a reasonable settlement. I accepted and never heard from them again.


This is just one example of what consumer protection laws in Texas can do for Texans. I have spent over a year and a half researching these laws and can tell you that they are pro-consumer. This is not to say that collection agencies cannot go after you but, if they do, they had better have every detail about the debt they are trying to collect absolutely correct. The slightest error on their part will immediately put several laws at your disposal. With all the research I did I put forth a plan of attack and started cleaning up my credit reports of all collections because they were filled with incorrect information. After I saw how effective Texas laws were, I decided to write a book to inform my fellow Texans of this and other Texas laws so that they may be better informed of how strong and useful they are in protecting the consumer. There are many credit repair agencies popping up in Texas and they charge hundreds of dollars. Why waste that money when, for a lot less, you can do it yourself? Start your journey today to achieving what I like to call “excellent credit health.”

Bad Credit

After much research and putting these laws to the test with my own credit reports, I can say that using Texas law really works. I believe in my approach so much that I wrote a book that is short but to the point. With step by step methods that I used, the book, “DIY: Credit Repair for Texans,” will show you how I was able to rid my credit reports of collection accounts and errors. Visit [] to learn more.

Self Help Credit Repair: Take Control of Your Credit Score When Opening A Home Based Business

Before you can consider starting your own home based business, you will need to make sure that your credit score is a minimum of 620 in order to qualify for lines of credit. In order to get lower interest rates, you will need a higher score. Scores range from the low 300s to the mid 800s. On average, about 50% of the population have credit scores averaging around 700.

Credit Repair

Your credit score is calculated from several different factors used from your credit report. The breakdown of your score is calculated from your payment history, types of credit that you use, amounts that you owe, length of credit history, and new credit accounts. Payment history and amounts owed comprise approximately 65% of the total score. Your credit score considers both positive and negative information that is processed on your credit report.


In order for you to be able to do any kind of self help credit repair to affect your credit score, you will need to know exactly what is on your credit report. There are several ways to find out, You can get both paid and free reports, the paid reports not only give you your credit report but also give you your credit score. To start out, I recommend the free version that you can get from You can get a free credit report once per year per federal law. When you get your report, you will want to verify all information on the report. You are looking for all accurate and inaccurate information so that you can then make an impact on your score to raise it. To update the information and remove items that should not be on your report, you will need to contact the three major credit reporting agencies Equifax, Transunion, and Experion via certified US Mail. You can get their address on each of their main sites. This is the first step to self help credit repair.

Bad Credit

By sending communication certified through the US Postal Service with return receipt requested you are protected by the rights afforded to you by the federal government. When you use the online system of these agencies to dispute claims, you waive these rights for each incident that you are using the online disputing system for.

Each error on your credit report needs to be disputed with each agency. None of the agencies share information and your score with each of them will be different. Look for inquiries that you do not recognize, loans that have been paid off but are still showing as debt, and inconsistencies that you can justify as incorrect. Once you send the letter they are bound by law to contact the company and verify the information. They have 30 days to get this verification. If they do not then the information must be removed per law.

For more information that may help, contact the Federal Trade Commission

Dave Shepp is a professional Life Coach, and has helped many people take control of their credit using self help credit repair so that they can purchase their own homes, open their own businesses, and work to improve their finances.

To find out more information on taking control of your credit score and gaining the focus needed to be successful in buying a home or opening a home based business, click here. and find out how to get a Free Consultation.

Do You Know a Family or Individual Receiving Food Stamps?

November 1, 2013 is the day the increased benefits to the SNAP/Food Stamp benefit program in effect since the American Recovery and Reinvestment Act of 2009 are reduced by approximately 5.5 percent.
pocket stamps

Decreased benefits are dependent upon the size of the household as follows:
Address Stamps

1 person – $11

2 people – $20

3 people – $29

4 people – $36
Self-inking Pre-inked Stamps

That may not sound like much to the majority of us, but to a person or family trying to get by on limited funds, the decrease will have a major impact on their lives.

Is there anything at all these people can do to increase their SNAP benefits once the Congressional cuts go into effect?


Benefits are based on income and the amount of deductions a person and/or family can claim reduces their income; thereby increasing their SNAP benefits. If you know an individual and/or family on SNAP please make sure they are aware of the following deductions:

MEDICAL EXPENSES – If a member of a SNAP household is age 60 or older or is disabled, SNAP benefits may increase if all out-of-pocket medical costs are provided to the SNAP agency providing benefits. Expenses include insurance premiums, copayments, medical equipment and transportation to and from medical providers.

CHILD CARE EXPENSES – If a member of a SNAP household has out-of-pocket childcare expenses consisting of fees, co-pays, afterschool care and transportation and these deductions are brought up to the SNAP agency providing benefits, their monthly benefit may be increased.

Is there additional assistance available? YES – An individual or family may qualify for reduced and/or free school meals, afterschool meals, WIC, emergency food assistance and/or home delivered meals.

Have questions on the SNAP program? Contact the USDA United States Department of Agriculture Food and Nutrition Service for your individual state, URL at bottom of page after * Please note most states have toll free numbers. A double asterisk on the listing indicates those states that will accept collect calls.

CBPP, The Center for Budget and Policy Priorities estimates that only a maximum of 4 percent of SNAP beneficiaries claim dependent care, child support and/or medical expenses against earnings. Please help to get the word out to all beneficiaries that these deductions may be beneficial to them.

According to the Congressional Budget Office, three of every four households on SNAP, or 75 percent of SNAP households in 2010 (last year data available) included a child, a person age 60 or over, or a disabled person.

Here’s a little something to think about. Increasing the SNAP benefits to the same levels they were under ARRA would cost taxpayers approximately $6 billion dollars and provide benefits to roughly 45 million.

Celiac – What You Need To Know About Celiac Disease, Symptoms And Help By A Gluten Free Diet

What is celiac disease?
Types of Stress

Celiac disease is an autoimmune disorder that affects the small intestines. It is generally determined by genetics and can affect people of all ages starting at infancy. Although the exact number of people affected by this disease is unknown, it’s estimated that 1 in 105 in the United States alone are affected.

Symptom Checker

Celiac disease is primarily caused by a reaction to gluten protein, called gliadin that is found in wheat. However, there are similar reactions found in other common grains, most notably barley and rye for example. Basically when a person with this disorder consumes gliadin in wheat products, an enzyme in the small intestines known as prolamins reacts with the immune system and causes the bowel tissue to inflame. This means that other nutrients are not absorbed as efficiently because the villi found in the small intestines is under duress from the inflaming reaction. Despite the descriptive similarity to wheat allergies, celiac disease is of a different order.

While so many people in the US are diagnosed with celiac disease, very few people of Japanese, African or Chinese decent are diagnosed, which is why the worldwide rate of is estimated to be 1 in 1,750. However, in many other countries this disease may be masked or mistaken for other ailments, plus the lack of gluten found in their natural diet may also mean that far more people may suffer from this condition, but it is never discovered because they never consumed gluten in the first place.


Chronic diarrhea
A failure to thrive in children affected with Celiac Disease
The inflammation results in the chronic diarrhea which can be very discomforting to those suffering from this disease. Combined with the lack of absorption of nutrients can lead to fatigue. Children are especially vulnerable since their organs have not fully developed at this point, which can leave the child vulnerable to more illness and failure to thrive overall.


Currently, there is no prescription or surgical treatment, nor is there any known cure. The only effective means to be found in combating the disease is avoiding gluten in the diet entirely. Avoiding gluten is not really a treatment, but it does help avoid the problems faced by those with this condition.

For a very small amount of people who suffer from this disease, avoiding gluten does not improve their overall condition. The reasons are unknown as to why this tiny minority does not improve, though it is suspected that this disease has been present for such a great period of time that the intestines do not heal as they normally should.

Causes For Foundation Problems

Seasonal Climate Changes:
foundation repair companies in Plano

Dry and wet weather cycles make a always changing soil bed underneath your home’s foundation. The opening and closing of the soil as time passes can diminish the support for the foundation and lead it to settle and crack. This is especially problems in the Dallas region. That is the reason why it is important to alter your watering cycle to help keep it consistent all year round.
foundation inspection Plano

Substandard Drainage:
Foundation problems may be caused by excessive moisture in addition to too little. Still water around the house, huge amounts of water dumped by gutter downspouts or maybe a negative slope with the area around your own home can cause saturated soil. It is important install drains(french drains, area drains, etc.), retaining walls, and gutters to help you alleviate drainage problems at home.
foundation repair Plano Texas

Expanding Clay Soils:
Different soils have differing possible ways to shrink and swell. The more expansive the soil surrounding your house, greater your foundation may by governed by movement. This is the form of soil found over the Dallas Fort Worth area, including Plano.

Trees and Tree Roots:

A large tree may the miracles of water to 150 gallons of water on a daily basis through its roots. When these roots are under or right net to your foundation, the drying process might result in a portion with the soil to contract. The differential in moisture content under the home might cause one part in the foundation to maneuver more than others. A root barrier is tremendously recommended for any tree located closer than 20 feet on the house. These could be installed by a foundation repair service to have an average of $750 per tree.

Under-Slab Plumbing Leaks:
These leaks create larger than normal moisture in a single area under your foundation and might cause that area to expand upward or disturb the steadiness of your slab. If you suspect any interior shifting or any plumbing problems, get it checked by a professional plumber immediately. The more waiting the larger the issue will arise.

Be Informed About Child Custody Laws – Ignorance of the Law Can Cost You Dearly

Some parents who are embroiled in a custody battle end up spending a lot of money in legal fees, only for the child custody awarded to the other parent. For years, such unfortunate events have been happening. Sadly, there really is no getting around litigation if parents are unwilling to settle their differences. Dealing with your child custody case effectively necessitates adequate knowledge and understanding about the legal issues of child custody laws. Not only do you have to learn about the laws themselves, you also have to find out how the courts in your state have ruled in past cases.
filing for custody

Child custody laws vary from one state to another. The decision on which parent to award the child’s custody is supposed to be governed by what is defined as the best interests of the child. However this is largely determined by the courts based on how they evaluate what they believe to be relevant in the best interest of the child. Factors that are considered to be relevant in determining the child’s best interest include the health and safety of the child, the environment where the parents live, and any risk of abuse to the child. Knowing what these conditions are and how the courts evaluate them can help you and your lawyer draw up a stronger custody case.

There is much for you to lose without adequate knowledge about child custody laws. You would not want to lose custody of your child simply because of some piece of information that you were not made aware of by your lawyer. Taking the time to know and understand how child custody laws work can make the difference between winning and losing your child custody battle. There are key pieces of information that your lawyer might not be knowledgeable about. You should try and do your own research for your own peace of mind and to assist your lawyer in strengthening your case.

For example the Custody Evaluation interview is a critical element in the decision process of your child custody case. Knowing what to expect and what evaluators are looking for during a Custody Evaluation, would give you a huge advantage over the other parent. Make the effort to find out how this process actually works. Knowing the facts will give you a good understanding of how to score high in the Custody Evaluation interview.

Fortunately you can search the internet for a wealth of resources about custody battles. You simply have to make sure that your information comes from a reliable and reputable source. It has to be more than just textbook information. Remember there a lot of scams from people who have no experience in this field. The information that you are looking for should be practical and borne out of actual experience.

With the thousands of cases that have been decided on in the past years, certain behaviors have been identified that are critical to winning or losing child custody battles. You do not want to commit the same mistake that those who lost their custody cases did. Find out all you can about child custody laws and the procedures of the courts to help your lawyer win your case for you. Knowledge is power and you want to be more powerful then your ex in this situation.

How an Automated Lambo Door Kit Works

Lots of people are converting the doors on their cars or trucks to a style similar to those found on a Lamborghini. They like the way the Lamborghini doors open and they are able to lift them up in the air like a scissor hinge, also sometimes referred to as gullwing doors. However, these lambo hinges are commonly referred to in the industry as a Lambo Hinge Kits.
bolt-on lambo doors

Most lambo hinge kits are manually operated, meaning that to operate the door you will need to pull the door handle yourself, pulling towards you and then lifting the door up yourself. The door does open easily if the hinges are installed properly because there are gas assisted struts installed with the lambo kit that will assist in the raising and lowering of the doors.

However, some people want a fully automated Lambo Kit, whereas you are able to just push a button and have your doors automatically open and raise or lower all by themselves.
lambo doors

Usually it takes a custom shop or restoration shop to do this type of installation because it sometimes requires welding. However, if you want your lambo doors to be automatic, then this is what you will most likely need to get the job done:
bbw blog
Two Linear Actuators – These are the motors that will raise and lower your door.
Shaved Door Handle Kit – This is the device that will operate your handles for you.
Door Poppers – These are spring loaded devices that will push your door out from the door jam once opened.
Keyless Entry System – This must have a minimum of 6 channels available.
Miscellaneous brackets and hardware.
Once installed the automated lambo door kit should work like this:
Push a programmed button on your remote that activates the shaved door handle kit, thus releasing the door from the latch. Then the door popper pushes the door out of the jam. Then, pushing another button will activate the linear actuator and raise the door for you.

If the door is now up, you can push a button on the remote and fully lower the door. You can also mount rocker switches inside of the vehicle so (once inside) you do not have to use your remote buttons to lift or lower the doors.

The only manual part in this operation is that you will need to push or pull the doors back into the closed and latched position. There are no automated lambo door kits available on the market as of today that will reach out and pull the door in for you.

Many companies sell parts separately, but you will find a much better deal on the internet if you can just buy the automated lambo kits in a package. Buying a conversion package will no doubt save you money, as well as saving you from a headache in trying to locate all of these parts yourself.