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Saturday, October 8, 2016

Can a Judgment with an attorney lien be assigned

Q: Someone offered me a judgment where their attorney has a lien on 1/3 of whatever the plaintiff recovers. I think I have to wait for their attorney to lower or eliminate his unrecorded lien on the case, do you have another idea?

A: Often the solution is to eventually pay the OJC and notice the attorney, or have both the lawyer and the OJC sign your paperwork, or ask the creditor to work out a deal with their attorney to have you attempt to recover the judgment.


Mark Shapiro, judgment expert, judgment broker, judgment writer, and a smile chaser.  

Thursday, October 6, 2016

Electrolyte additives from stores not good for your teeth!

To improve my health, I use many tools; including Alkazone PH adjusting drops to raise the PH level of all my drinks. Alkazone  has a PH of 12, which is just about as base as you can get. A few drops of Alkazone can raise a PH 5 drink to PH 6, making it more alkaline.

I tested Walmart's Great Value electrolyte grape flavor squirt additive, it was PH 3, very acidic. I will stop adding that product to my drinks. Electromix by the Emergency C people, raises the PH, so I will stick with that fine product. There are lots of electrolyte boosting products that do not lower the PH of your drinks

So, be aware that when you boost your water or drinks with supermarket electrolyte mixes, you might be making your drinks acidic, which is not good for your teeth.


Mark Shapiro, judgment expert, judgment broker, judgment writer, and a smile chaser.  

Accessing your own Telephone Records?

Earlier this year, I was burglarized; and then I filed a claim with State Farm insurance company. Instead of paying me as I expected, they are strongly challenging my claim. That is their right as defined in the fine print in all their insurance contracts. State Farm hired a lawyer to conduct a recording "hearing" with a court reporter, where they will soon question me to try to avoid paying off my claim. I think State Farm spent more on their lawyer than it would cost them to just pay off my claim!

Anyway, State Farm's lawyer requested many things from me, including my telephone records for any telephones I had including cell phones, for January and February 2016. I no longer have a cell phone by choice; however earlier this year, I had a Comcast phone line, and played with Verizon, ATT, and Cricket carriers. I went to all four phone company's websites, called all four companies and drove the main offices of Comcast, ATT, Verizon, and Cricket. All four companies told me they could not release to me my own records from earlier this year, and I would need a lawyer's subpoena to get them.

So, your telephone records (the phone numbers you call or that have called you, not the transcribed words of the spoken text), at phone companies, are not records (after a few months) that you can access. Only courts, the federal government, police and the FBI, or a lawyer can get your old phone records - not you!


Mark Shapiro, judgment expert, judgment broker, judgment writer, and a smile chaser.  

Wednesday, October 5, 2016

Why are dispensary buds so tight?

Q:  I have seen a big difference between weed dispensary tight buds and home grown weed loose buds. At the dispensary the buds are compact, folded inward into tight balls. When I see home grown weed, the buds are relaxed and extended, I do not know why this is, perhaps an additive? The fluffy buds take up more space in a bag but same potency per dollar as compressed buds, do you know how do weed dispensaries do this to their weed?

A: I am answering this here because I moderately use weed for medical purposes, and I have noticed the same thing, and I researched it a bit. It seems to be primarily which weed strains, and the lighting used. Who knows, maybe commercial weed growers use some kind of secret spray or nutrient to cause weed buds to fold inward. You are right, there is no difference in benefit by weight for compact buds versus fluffy buds.

Airy weed buds may come from a combination of weak lighting and the temperatures being kept too high. The odd thing is that if the temperatures are high, then you need even more light (which brings temperatures even higher). Some say this “problem“ of reduced bud density can be helped by having the right amount of light for the temperature in the growing area. Some say 75 watts per square foot is best, however if the temperatures get too high, try for 50 watts per square foot.

One grower told me that for the most compact buds, one should use indoor HID (High Intensity Discharge) lighting with HPS (High Pressure Sodium) or MH (Metal Halide) or a combination of those lights, with a minimum of 600 watts per plant. That grower said fluffy loose buds is the result of inadequate lighting combined and/or having the lights too far away from the plants. It is a game of inches from the light versus enough light, without producing too much heat. One can grow now with modern LED lighting, as long as you are use at least 600 watts per plant; with good light reflection from mylar sheeting or a similar reflective surface. LED lights product less heat per watt.

Another reason for fluffy buds is a lack of carbon dioxide (CO2). One more reason is making a mistake on nutrients or watering. Lastly, it depends on the strain of the magic weed grown. Older sativa strains are never going to be as compact as Indica or hybrid weed strains. Some strains known for having compact buds include GDP OG, GSC, Casey Jones, and Sunshine daydream.

FYI: I found a great cheap meter - no batteries needed, analog, that measures light, PH, and dryness (when in water), that is less than $15, so handy for all soil growers.


Mark Shapiro
, judgment expert, judgment broker, judgment writer, and a smile chaser.  

Wednesday, September 21, 2016

Improving Resumes with Centralization

Resumes are an old formality that should be changed to take advantage of the advances in internet, networks, security, and the long established records on every person in America.

Currently, resumes are often paper based, sometimes unverified, and provided every time an applicant applies for a job. Resumes always have have some possibly inflated claims, contain typos, and often omit negative both and positive information. Employers often spend a lot of time and money verifying resumes.

Employment and education records are similar to criminal records, and they exist at every school and employer. Schools and employers already send (often updated) records and money to the government. Why not keep resumes out of the hands of job seekers, and something the employers or schools update and/or lookup records by connecting to a secured government database site?

This centralized site would be updated and used to retrieve resumes by schools or employers of start and stop dates, wages, reason for leaving,  contact info, etc. This could have a place for applicants to add their notes. Everywhere else technology has made old ways obsolete, and there will always be more jobs (and even more people looking for them) so why not improve the function of resumes?


Mark Shapiro, judgment expert, judgment broker, judgment writer,  and a smile chaser.  

Monday, September 19, 2016

Buying Judgment Portfolios

Q:  I am thinking about purchasing a judgment portfolio and  I remembered you are or were selling them, meaning  you're  familiar with them. What price should I pay on the dollar  for a portfolio of judgments?

A: We rarely get judgment portfolios, we usually get them one at a time. My best advice is to rate them from A to F, based on your research tools and come up with a price.  Those with judgment portfolios for sale often shop their judgment portfolio around. Prices paid upfront for judgments depend on each of the available judgment debtor assets, including property, income, age, etc on the debtors.

The average judgment buyer pays 1-3 cents on the dollar, the average seller wants 50-95% cents on the dollar, causing much frustration. Even now, there are attorneys telling their clients they can sell their judgments for 50 cents on the dollar, a lie. Judgment prices depend only on available debtor assets.


Mark Shapiro, judgment expert, judgment broker, judgment writer,  and a smile chaser.  

Sharing Debtor Information with Creditors

Recently, another smart person sent us their judgment. While we were busy finding the right expert judgment recovery specialist for them, they emailed us: "While you're looking to match this case to one of your team specialists, I'm curious to know what info you gathered from the SS#. I know nothing of your world and am wondering what breadcrumbs - or lack thereof - my debtor has left behind in regard to income. This info could help me dig for concealed assets as well."

We emailed them: "I am sorry, but I cannot get or use that information; Only the enforcer I will refer you to, will search using that info when/after they own the judgment."

The reason for this is, that only the person or entity owning a judgment or debt has the limited right to get and use private debtor information such as the debtor's social security number or credit information. Nobody else, including JudgmentBuy, owns the judgment, so we cannot use this information. Also, once a creditor stops trying to recover a judgment or debt and outsources it, they also then lose the right to look up private debtor information, primarily because of FDCPA laws.


Mark Shapiro, judgment expert, judgment broker, judgment writer,  and a smile chaser.  

Sunday, September 18, 2016

Loans To Pay Off Judgments

Recently, we were contacted by a debtor having a big judgment against him for $100K plus $30K in accrued interest. The debtor claimed to have lots of assets, and said the creditor refused to settle the judgment for $100K, and the creditor wanted $130K cash to satisfy the judgment. The debtor said he was short of cash but had lots of assets, and wanted JudgmentBuy to find someone to settle the judgment with cash upfront, and he would pay them back soon.

I told the debtor that unlike most judgment situations, he must supply his credit info, age, address, income sources, and specific assets. (In the vast majority the creditor or judgment enforcer with the legal right, must pay and work to get this information.) When a debtor wants a loan, they must supply this information voluntarily.

The debtor would only supply the vague hint he owned a lot of securities, but failed to identify them, so we told him "sorry, nobody would loan him money to satisfy his judgment". Judgments are not cash and cannot he used for collateral for a loan.


Mark Shapiro, judgment expert, judgment broker, judgment writer,  and a smile chaser.  

Monday, September 12, 2016

JudgmentBuy now takes 1K judgments in California

Now, takes judgments as small as $1K in California. Starting now, those who can follow step 1 on our web site, can send California judgments as small as $1,000 and JudgmentBuy will find them an expert judgment enforcer in one day.


Mark Shapiro, judgment expert, judgment broker, judgment writer,  and a smile chaser.