Page 8 June 1, 2017 C e r t i f i e d a n d L i c e n s e d P r o f e s s i o n a l s RICH’S PAINTING Specializing in exterior Quality interior work Reliable • Reasonable Rates 310-640-9465 24 Hour Service Since 1990 • Lic # 770059 • C-42 C-36 C-34 C20 A painting PAINTERS PLUS INTERIOR • EXTERIOR PLUS IMPROVEMENTS • REPAIRS FREE ESTIMATES LOWEST PRICES • GUARANTEED QUALITY 5 YEAR FREE MAINTENANCE SERVING THE BEACH CITIES FOR OVER 20 YEARS CALL DON 310-798-0450 LIC # 726089 plumbing Phone/Text 310.738.7094 23 YEARS EXPERIENCE Sewer Video • Hydrojetting • Bonded • Insured CA LIC. #980971 handyman BILL’S HOME & APARTMENT MAINTENANCE CONTRACTOR QUALITY at Handyman Prices. We cover everything from A-Z. Bill Henrichon Cell: 310-890-7531 Office: 310-542-3470 billhenrichon@sbcglobal.net Henrichon & Associates Inc. CA ST LIC# 1011547 / Licensed & Insured 2011 2012 2013 Serving the South Bay for 25 years FREE ESTIMATES construction painting handyman TOUCHSTONE PAINTING • PLASTERING HANDYMAN Reasonably Priced – Referrals Upon Request 310-517-9677 30 Year Business and Resident in the South Bay concrete LINDAHL CONCRETE, INC. Specializing in all Residential Concrete • Driveways • Patios • Pool Decks • Stone • Pavers • Stamping Call Casey or Carl - Lic. 531387 310-326-6626 Casey Lindahl founder of Lindahl Concrete Inc. WE ACCEPT CREDIT CARDS WWW.LINDAHLCONCRETE.COM YOUR AD HERE Email to reserve your space marketing@heraldpublications.com plumbing FOR ALL YOUR PLUMBING NEEDS We offer Senior Discounts • We match any pricing • Open 24/7 • Free Estimates License # 537357 1-310-782-1978 roofing NICK’S ROOFING SERVICE Small jobs OK! 310-697-9147 CA License # 1009097 roofing Old Fashioned Values... 50 Years and Counting. New Roofs and Repairs 310-322-4129 CA St. Lic. #558797, Bonded, Insured YOUR AD HERE Email to reserve your space marketing@heraldpublications.com Julian Construction, Inc. Foundation Replacement/Repairs House Bolting • Floor Leveling Soft Story Retrofit FREE INSPECTION Low Price Guarantee - 0% Financing Available BONDED & INSURED 323-733-3377 LIC. #788526 www.julianconstruction.com gardening CALL OR TEXT BRIAN 310-493-7811 310-322-7396 Painting of El SEgundo Interior & Exterior NO Job too Small • Free Estimates Over 40 thousand papers delivered within miles of your home or business. Student Loans from front page YOUR AD HERE consumer.ftc.gov). Last week, the FTC announced it broke up a student debt relief scam that targeted borrowers in the State of Washington, Ohio and Florida. A company calling itself Strategic Student Email Solutions to reserve enticed your space consumers for debt relief marketing@with promises heraldpublications.of payments com as low as zero dollars per month or cutting their monthly payments by 60 percent, according the feds. The scam operators told the student loan borrowers they would be enrolled in a loan forgiveness or payment reduction program, and that their monthly payments would be applied to their loans. The unsuspecting consumers with student debt saw their situations go from “bad to worse,” the FTC said. The debt relief operators didn’t enroll them in any loan forgiveness or payment reduction programs, and they discovered later that none of their monthly payments were applied to their student loan debt. It was a rip-off. “The bottom line: never pay an up-front fee to a company promising to deliver debt relief,” said Tom Pahl, Acting Director of the FTC’s Bureau of Consumer Protection. The companies named in the federal complaint charged $1,200 upfront and $49 per month for their bogus services, the FTC said. They operated under the names Strategic Student Solutions, Strategic Debt Solutions, Student Relief Center and Credit Relief Center. These operators violated federal laws by deceiving consumers, telemarketing fake financial services and offering credit repair for an upfront fee, which is against the Credit Repair Organizations Act. For the class of 2017 and their families, here are some legitimate no-cost programs for managing a student’s debt. Keep in mind, student debt is rarely forgiven--even by the federal government. YOUR AD HERE Email to reserve your space marketing@heraldpublications.com OVER 40 THOUSAND PAPERS DELIVERED WITHIN MILES OF YOUR HOME OR BUSINESS. Federal Loan Relief Getting debt relief is easier with federal loans than with private student loans issued by Sallie Mae, Wells Fargo or Discover. The Department of Education offers these free programs that may help: Income-based repayment plans: Monthly payments are based on the borrower’s earnings. Deferment: Monthly payments are postponed temporarily, though the principal may continue to accrue interest. Loan consolidation: A borrower’s federal loans are bundled into a single federal loan with one monthly payment. Loan forgiveness: In very limited circumstances, a borrower won’t have to repay some of all of his or her student loans. The exceptions are granted for people in certain jobs, with disabilities, or if their school closed or committed fraud. Under certain income-based repayment plans, any balance on a student loan that remains after 20 to 25 years is forgiven. However, the IRS may collect income taxes on the loan amount that is forgiven. For federal loans, call the Department of Education’s Loan Consolidation Information Call Center at 1-800-557-7392. About Private Loans It’s much harder to wiggle out of the debt if the lender is a private company. It’s best to contact the student loan servicing company listed on the monthly bill for available options. The private lenders aren’t known for forgiving loan amounts or canceling them. Loan consolidation isn’t for everyone either because taking out a new loan means accepting terms that might be unfavorable compared to the original student loans. No matter what they say, it’s always better than falling for a scam. One tipoff that a student debt relief plan is a fake: being told to stop paying on those student loans. That’s never a good plan since missed payments show up on a credit report. It’s not just car loans and mortgages that could be affected by bad credit history either. Employers and landlords check credit reports painting plumbing Sewer Video Inspection Rooter Service • Copper Repipes 310-543-2001 Free Estimates FULL SERVICE PLUMBING Over 40 thousand papers delivered within 20 miles of your home or business. C E R T I F I E D A N D L I C E N S E D P R O F E S S I O N A L S Stamping Pool Decks EL SEGUNDO GARDENER Licensed/Bonded All E.S. Crew, Lawn Service Clean Ups, Tree Trim, Sprinklers, Handyman, etc. Lic# 100085424 Frederick’s Call Freddy 310-910-4841 LIC #948597 YOUR AD HERE Email to reserve your space marketing@heraldpublications.com YOUR AD HERE Email to reserve your space marketing@heraldpublications.com YOUR AD HERE Email to reserve your space marketing@heraldpublications.com too, before making an offer of employment or agreeing to rent an apartment. There’s no such thing as 100 percent loan forgiveness, and be skeptical of any debt relief pitch made by mail or on the Internet that carries an official government seal. Fraudulent debt negotiation and credit repair companies trick consumers with official-sounding names and claims to have special access to government programs for repaying, consolidating or erasing student debt. On a positive note, there was a House bill introduced in February that would change the tax code so that employers can help employees pay down student debt. Called the Employer Participation in Student Loan Assistance Act, it would treat employer contributions to student loan repayment plans like a 401(k) contribution. No longer would employers be taxed on money they contribute to pay off student loans. The bill has bipartisan support in the House. •
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