Sandi Boucini & Michelle Granger - RE/MAX Executive Realty



Posted by Sandi Boucini & Michelle Granger on 4/17/2019

Debt collection calls can be frustrating and a headache. It is quite disappointing to know that you have outstanding debts and the debt collector is offering very stringent conditions in terms of payment options. If you're familiar with the behaviors of debt collectors, then you know they issue threats, use offensive language, and come up with various tactics to scare the debtors. This practice most often only makes things worse and creates unnecessary tension. Here are the seven things to know when dealing with a debt collector: 

1. The Fair Credit Reporting Act

The Credit Reporting Act gives you the rules and restrictions guiding debt collection. Get yourself acquainted with the credit reporting act to know your right as a debtor. 

2. Abusive behavior is illegal

According to the Fair Debt Collection Practices, it is illegal for debt collectors to use abusive language on the debtor. If a debt collector exhibits such behavior, debtors should document all that transpires and report to the Federal Trade Commission. 

3. Negotiate a settlement on your terms alone

It is essential you negotiate the payment plans after you have carefully considered your income and expenses. On this note, payment plans should be based strictly on your terms, not theirs.

4. Beware of scammers

Before starting the negotiation with any debt collector, you should get them to identify themselves with their names, telephone number, company's name, address, and a professional license number if necessary. You are entitled to know these pieces of information by law. 

5. Do not fall into the trap of "Just Pay Something."

Before making any payment, ask the debt collector to send you a written document of proof of your payment. Do not authorize anything over the phone otherwise; you will not have a record for the money paid.

6. Too many calls are against the Law

Aside from the fact that debt collectors are not allowed to use abusive language, they also don't have the right to call you against your instructions. According to the law, a debt collector must stop contacting you as long as you have sent a letter to the appropriate authority, requesting it ends.

7. Collectors do not have the right to inflate what you owe

The debt collector only has the right to charge interest based on what is stipulated by the law or according to your agreement with the original creditor. 

Do not fall prey to unnecessary scare tactics; always take the time to read up on contracts and understand your rights as a debtor.




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Posted by Sandi Boucini & Michelle Granger on 4/10/2019


20 Pierce Rd, Sutton, MA 01590

Single-Family

$319,900
Price

5
Rooms
3
Beds
1
Baths
Pristine, Move in Ready home located on country road is new to the market! Three bedrooms and one full bath. Eat-in kitchen, living room has brick fireplace and picture window. Plus the lower level has two rooms which are partially finished and another fireplace! Lovely porch located directly off the kitchen plus composite deck also. Great for those summer evenings. Detached garage and storage shed. Amazing commuter location and conveniently located to Rte 146 shopping area! New 3 bedroom septic system being installed. New well pump 2018, water quantity and quality tests 2018. Electric hybrid hot water tank 2015. Great opportunity to live in Sutton at this price!
Open House
No scheduled Open Houses

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Categories: Price Change  


Posted by Sandi Boucini & Michelle Granger on 4/10/2019

Many people define self-confidence as the feeling of trust in your own abilities and judgment. While that may be true, it doesn’t really describe the progressive continuum in developing confidence in yourself. That means, you may not be confident in one area, but gradually are becoming more confident as you go through the process of trying, failing, tweaking, trying again, succeeding a little bit, etc. Confidence in yourself is not a yes/no, on/off deal.

It’s a feeling

Some days you feel more confident, others you don’t even if you’ve felt confident in that area in the past. Many things can contribute to how you’re feeling about succeeding in one area. If you’re ill or under the weather, your confidence may ebb. If your skin broke out or your hair isn’t cooperating, that might dent your confidence. But, sometimes it’s just that you haven’t done something recently that you’ve done well at in the past. For most people, the challenge isn’t in trying something for the first time. It’s working it a second time and failing after they’ve already succeeded to some degree. They don’t want to not live up to themselves.

Talking down to yourself promotes this feeling. The only way around this is to step out and do it. Of course, if you fall flat on your face, you may not want to do it again, but really, failing gives you an opportunity to make adjustments and improvements.

Who’s in charge?

The challenge is that your feelings aren’t always controlled by you. Sometimes they’re controlled by your gut microbes. “What?” you say. Bugs? Well, yes, the bacterium that lives in your gut. The growing body of evidence says that the feel-good hormones in your body like serotonin and dopamine. That means if your gut flora is not healthy, you may feel less confident.If confidence eludes you even though you know you can do it, perhaps you should work on a gut-friendly diet.

Stop over-training

When you over-train a muscle, it ends up sprained or strained and needs time to heal. When you over-train your psyche, you fill your mind with so much information that you overwhelm yourself. Don’t think you have to do it all or try it all at once. Instead, try things the way a baby does. A little at a time, a step up, a fallback—do that until you know you can take that second step. If you’re always a “no” person, try to say “yes” every third time. If you’re a “yes” person and therefore get taken advantage of, practice saying “no” until you can say it firmly.

If one of the things you’re not confident about is buying a home, don’t try to do it on your own. Utilize the expertise and experience of your professional real estate agent.




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Posted by Sandi Boucini & Michelle Granger on 4/5/2019

The Highlands, one of Sutton's most desirable neighborhoods. Handsomely sited on a level and picturesque 1.64 acre lot, you'll find this inviting Garrison Colonial Home. The eat-in kitchen offers a center island, granite counter tops & eat-in area. Directly off the kitchen is your large family room complete with cathedral ceiling and fireplace. Step down to your 14 x 20 Sunroom surrounded by windows & offers direct access to the deck area. If you need a tranquil area, enjoy the living room. Formal dining room also. That all important laundry room with closet and cabinets completes the first floor. The master bdrm offers private bath & walk-in closet. Three other generously sized bdrms & main bath. Granite vanity tops in all baths. Enclosed porch connects garage & house. Gorgeous hardwoods floors throughout most of the home. Large composite deck. Lovingly cared for property w/outstanding proximity to commuting routes is ready for your personal touch! New roof 2017, Hot water tank 2019

More Info on this Property | New Listing Alerts




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Posted by Sandi Boucini & Michelle Granger on 4/5/2019


18 Highland View Dr, Sutton, MA 01590

Single-Family

$509,900
Price

10
Rooms
4
Beds
2/1
Full/Half Baths
The Highlands, one of Sutton's most desirable neighborhoods. Handsomely sited on a level and picturesque 1.64 acre lot, you'll find this inviting Garrison Colonial Home. The eat-in kitchen offers a center island, granite counter tops & eat-in area. Directly off the kitchen is your large family room complete with cathedral ceiling and fireplace. Step down to your 14 x 20 Sunroom surrounded by windows & offers direct access to the deck area. If you need a tranquil area, enjoy the living room. Formal dining room also. That all important laundry room with closet and cabinets completes the first floor. The master bdrm offers private bath & walk-in closet. Three other generously sized bdrms & main bath. Granite vanity tops in all baths. Enclosed porch connects garage & house. Gorgeous hardwoods floors throughout most of the home. Large composite deck. Lovingly cared for property w/outstanding proximity to commuting routes is ready for your personal touch! New roof 2017, Hot water tank 2019
Open House
No scheduled Open Houses

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Categories: New Homes