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I took out a 10-year, interest-only mortgage to purchase a new home in 2006, and now it’s adjusting. I’ve never missed a payment, but the payment is about to go up from $550 to almost $1,400 per month. I’m underemployed, I can’t afford the new payment and I’m also underwater, so I can’t seem to qualify for refinancing. Is there anything I can do?
I’ve been getting calls lately from a company that is promising to settle my credit-card debt for a small percentage of what I owe, as long as I pay an up-front fee for their services. How does this work? Is this a legitimate way to settle my debt?
This article was originally published in the Las Vegas Sun as part of the “Ask an Attorney” column, authored by attorney Xenophon Peters, a Founding Partner of PandA Law Firm. In the Aug. 28 edition of The Sunday, we went over the basics of tracking your spending. But understanding your spending is just the first step in creating a simple
There’s a bunch of stuff on my credit reports that isn’t right. Some of it isn’t even mine. I wrote letters questioning the incorrect line items, but almost everything came back as verified or accurate. I’m desperate, but I don’t know what to do.
Student loan debt and the cost of higher education in the United States are hotly contested and pressing issues for consumers, educational institutions and lawmakers. Marketwatch reports there is $1.3 trillion owed in student loan debt in this country, making it the second-largest type of consumer debt behind only mortgages. Further, about 11.6 percent of that debt ($146 billion) is delinquent. With an estimated 40 million Americans owing on student loans, understanding ways to help deal with this debt is important.
In previous weeks, we’ve gone over tracking your expenses and creating a basic budget for essential spending. Once you’ve started with these skills and made appropriate adjustments to ensure you’re bringing in more money than you are spending, it’s time to start building an emergency fund.
In a state as car-centric as Nevada, being a pedestrian or cyclist can leave you vulnerable, especially when fatality rates have seen such a dramatic rise.
Being in debt is no fun. Getting harassed by debt collectors because you’re behind is even worse. Fortunately, there are several avenues for getting out of debt.
How much do you really know about credit scores? If you’re like most people, you probably believe your score is a magic number that tells a bank whether it should let you buy a house or car, or issue you a credit card, and what interest rate banks will charge you when they lend you money.
I was involved in a car accident that left me with substantial medical bills. I’m already getting calls from the insurance company about a settlement. I want to resolve the issue quickly, but I still have follow-up appointments with my doctor and I’m worried the settlement amount won’t cover the full cost of my expenses. What should I do?
I’m in my 80s and have recently been hit with medical bills that are more than I’m able to pay on a monthly basis. My daughter suggested I take out a reverse mortgage to increase my cash flow. I need the money now and have plenty of equity in my home, but it seems risky. What would a reverse mortgage mean for me?
Inspectors can make mistakes, problems can be overlooked, and you can be left holding a bill for thousands of dollars repairing your new home.
Whether you’re dining at a restaurant on the Strip, relaxing at the pool or spa or going shopping, most of us stroll through a hotel property a few times a month. So, what happens if you’re injured at a hotel and need to seek compensation for the damages?
When choosing car insurance, many tend to pick the cheapest option that fulfills the minimum legal requirement, but that’s not always enough. Choosing the right insurance policy can be achieved, even on a budget.
With the start of the New Year comes the opportunity to make resolutions to improve your current financial situation. Here is a financial planning checklist to help ensure you’re setting yourself up for a successful and profitable 2017.
As ride-hailing services increase in popularity across the Las Vegas Valley, so do consumers’ questions about liability in the event of an accident.
The holiday season is one of the busiest times to be on the road, and can be one of the most dangerous. With family road trips, crazed holiday shoppers and an endless array of party invitations to fulfill, everyone is on the move this month — and often in a hurry.
The array of marketing offers during the holidays seems endless. At the end of the day, “cheap,” “low” or “no” interest offers aren’t going to save the average person a single penny. And of course, the stores, banks and marketing companies know this.
Nevada’s Foreclosure Mediation Program (FMP) is a state-funded program that allows homeowners to sit down with their mortgage lender and a mediator to help find an alternative to foreclosure.
PandA Law Firm
We firmly believe that the internet should be available and accessible to anyone, and are committed to providing a website that is accessible to the widest possible audience, regardless of circumstance and ability.
To fulfill this, we aim to adhere as strictly as possible to the World Wide Web Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA level. These guidelines explain how to make web content accessible to people with a wide array of disabilities. Complying with those guidelines helps us ensure that the website is accessible to all people: blind people, people with motor impairments, visual impairment, cognitive disabilities, and more.
This website utilizes various technologies that are meant to make it as accessible as possible at all times. We utilize an accessibility interface that allows persons with specific disabilities to adjust the website’s UI (user interface) and design it to their personal needs.
Additionally, the website utilizes an AI-based application that runs in the background and optimizes its accessibility level constantly. This application remediates the website’s HTML, adapts Its functionality and behavior for screen-readers used by the blind users, and for keyboard functions used by individuals with motor impairments.
If you’ve found a malfunction or have ideas for improvement, we’ll be happy to hear from you. You can reach out to the website’s operators by using the following email https://www.pandalawfirm.com/contact/
Our website implements the ARIA attributes (Accessible Rich Internet Applications) technique, alongside various different behavioral changes, to ensure blind users visiting with screen-readers are able to read, comprehend, and enjoy the website’s functions. As soon as a user with a screen-reader enters your site, they immediately receive a prompt to enter the Screen-Reader Profile so they can browse and operate your site effectively. Here’s how our website covers some of the most important screen-reader requirements, alongside console screenshots of code examples:
Screen-reader optimization: we run a background process that learns the website’s components from top to bottom, to ensure ongoing compliance even when updating the website. In this process, we provide screen-readers with meaningful data using the ARIA set of attributes. For example, we provide accurate form labels; descriptions for actionable icons (social media icons, search icons, cart icons, etc.); validation guidance for form inputs; element roles such as buttons, menus, modal dialogues (popups), and others. Additionally, the background process scans all the website’s images and provides an accurate and meaningful image-object-recognition-based description as an ALT (alternate text) tag for images that are not described. It will also extract texts that are embedded within the image, using an OCR (optical character recognition) technology. To turn on screen-reader adjustments at any time, users need only to press the Alt+1 keyboard combination. Screen-reader users also get automatic announcements to turn the Screen-reader mode on as soon as they enter the website.
These adjustments are compatible with all popular screen readers, including JAWS and NVDA.
Keyboard navigation optimization: The background process also adjusts the website’s HTML, and adds various behaviors using JavaScript code to make the website operable by the keyboard. This includes the ability to navigate the website using the Tab and Shift+Tab keys, operate dropdowns with the arrow keys, close them with Esc, trigger buttons and links using the Enter key, navigate between radio and checkbox elements using the arrow keys, and fill them in with the Spacebar or Enter key.Additionally, keyboard users will find quick-navigation and content-skip menus, available at any time by clicking Alt+1, or as the first elements of the site while navigating with the keyboard. The background process also handles triggered popups by moving the keyboard focus towards them as soon as they appear, and not allow the focus drift outside it.
Users can also use shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.
We aim to support the widest array of browsers and assistive technologies as possible, so our users can choose the best fitting tools for them, with as few limitations as possible. Therefore, we have worked very hard to be able to support all major systems that comprise over 95% of the user market share including Google Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS and NVDA (screen readers).
Despite our very best efforts to allow anybody to adjust the website to their needs. There may still be pages or sections that are not fully accessible, are in the process of becoming accessible, or are lacking an adequate technological solution to make them accessible. Still, we are continually improving our accessibility, adding, updating and improving its options and features, and developing and adopting new technologies. All this is meant to reach the optimal level of accessibility, following technological advancements. For any assistance, please reach out to https://www.pandalawfirm.com/contact/
