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I am not an attorney, I am a Judgment and Collection Agency Broker. If you want a strategy to use or legal advice, please contact an attorney.
Remember when the newspapers used to predict the [url=http://www.moncleroutletosterblade.com]moncler outlet[/url] Net would create a paperless world? It turns [url=http://www.mnfruit.com/louboutinpascher.php]louboutin[/url] out that although most entities now generate lower amounts of paper, there are now more entities to generate paper.
As time goes on, most filing cabinets start to get overstuffed. Yet, people look at the paperwork kept there much less often.
Thinning out paperwork in folders is often the lowest priority task. In most cases, file folders get overfilled. This creates hassles for moves, and when we pass away, those left behind will have to sift though countless of documents to locate that 1 needed document.
It's a great idea to trim [url=http://www.gotprintsigns.com/abercrombiepascher/‎]abercrombie pas cher[/url] file folders every year, or every couple of years. It makes it easier when you weed out one part of just file cabinet at a time, while enjoying music or watching a TV show. That makes the filing task quick and painless.
With monthly paperwork (e.g., statements), generally one should retain the first and [url=http://www.mnfruit.com/airjordan.php]jordan[/url] the most recent few. Rather than of storing 10 years of phone bills, store the first one and the most recent few. When you have to to save and itemize some or all documents for taxes, then store them in your tax files.
A quality scanner helps to reduce your filing cabinet requirement. I hear nothing but good things about the Fujitsu SnapScan, which includes PDF creation software. One can keep your PDFs in folders organized on your computer.
PC or Mac, be sure [url=http://www.mquin.com/gzparis.php]giuseppe zanotti pas cher[/url] the PDFs are backed up on at least 2 other drives (e.g., a backup to an external drive/disk, and a cloud backup).
As wonderful as cloud storage can be, you must have local backups too. While the slogan seems to be "trust the cloud", networks and computers do fail. Hurricanes, floods, power loss, earthquakes, etc., could make even the best become unavailable or go down.
When you have scanned the documents you need to PDFs, and you have properly backed up your computer, you could begin throwing out or shredding many of your paper documents. If anything unfortunate happens at your location, cloud backups of [url=http://www.mnfruit.com/doudounemoncler.php]moncler[/url] PDFs might turn out being much safer than one collection of paper-based records.
Undeniably, legal, taxes, financial, and medical paperwork are always much more [url=http://www.moncleroutletosterblade.com]moncler[/url] important than phone bills. There is not any need to save temporary or trivial [url=http://www.mquin.com/saclancel.php]lancel[/url] documents. Keep certain bank statements, throw away all your ATM receipts.
Having a shredder is mandatory for the papers with personal information you are throwing out. Be sure to use a good shredder, that can accept several pieces of paper at once (or shred a credit card or disk) and cross-cuts the papers.
This is my opinion on how long to retain documents:
Certain documents, should be retained for life, or for decades:
Corporate documents, birth certificates, [url=http://www.achbanker.com/hollister.php]hollister[/url] death certificates, CPA audit reports, tax returns, diplomas, retirement and pension records, licenses, important summary legal documents, trademarks, and patents.
Certain documents, should be retained for 6 years:
Accident claims and reports, builder contracts, annual financial statements, important legal documents, important correspondence, purchase records, property records, sales records, and registration applications. Mortgages, leases, and deeds - retain for 6 years beyond rental or ownership.
Certain documents, should be retained for 3 years:
Insurance policies, improvement receipts, payroll records, medical bills, stock records, property records, and invoices from vendors.
Other [url=http://www.rtnagel.com/airjordan.php]nike air jordan pas cher[/url] types of documents depend on the length that you keep or own assets:
Credit card receipts and bills (keep until they appear on the next statement), paycheck stubs (keep until you receive a W2), sales receipts (keep as long as you own it), auto records (keep them for 2 years after the auto is sold), instruction and warranties (keep as long as you keep things).
As I am a judgment broker, this is my opinion about document retention in a debt collection or judgment enforcement business, or if you enforce your own judgments. Just like personal records, you don't need to keep everything.
My opinion is that in every case, one can shred everything in a judgment case file 5 years after the judgment gets satisfied, becomes worthless because of bankruptcy, or is returned to the original judgment owner.
Almost every judgment enforcer [url=http://www.mquin.com/saclancel.php]lancel pas cher[/url] use either a ledger book with a calculator, a spreadsheet, a database, or a finance or judgment program; to keep track of costs, payments, and earned interest.
When one uses some system to track everything, you don't have to store every document for 5years. If you prepared 4 court-stamped memorandum of costs over time, you only have to store 1 copy of the most recent one, that summarizes the previous credits and costs.
After a writ has expired, you only have to retain 1 copy of it. You only have to retain 1 original court-endorsed copy of assignments of judgment, abstracts of judgment, and judgment satisfactions.
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