LightbuLb Press

Project team 
Design Director
  Kara W. Wilson

editor  Mavis Wright

Production  Thomas F. Trojan

©2012,  2013, 2014, 2015 by LightbuLb Press, inc. aLL rights reserveD.  

Tel. 212-485-8800
No part of this book may be reproduced, stored, or transmitted by any means, including electronic, mechanical, photocopying, 

recording, or otherwise, without written permission from the publisher, except for brief quotes used in a review. While great 

care was taken in the preparation of this book, the author and publisher disclaim any legal responsibility for any errors or 

omissions, and they disclaim any liability for losses or damages incurred through the use of the information in the book.  

This publication is designed to provide accurate and authoritative information in regard to the subject matter covered. To  

the best the authors’ and publishers’ knowledge, all of the information contained in this publication is accurate as of the date 

of publication. It is sold with the understanding that neither the author nor the publisher is engaged in rendering financial, 

legal, accounting, or other professional service. If legal advice, financial advice, or other expert assistance is required, the 

services of a competent professional person should be sought.

artWOrK PerMissiOns

The logo is used with permission of Central Source LLC.


CA Department of Veterans Affairs

Toll-Free 1-800-952-5626

CA Department of Consumer Affairs

Toll-Free 1-800-952-5210

CA Department of Justice – Attorney General’s Office

Toll-Free 1-800-952-5225

Keep Your Home California

Toll-Free 1-888-954-5337

U.S. Department of Veterans Affairs

Toll-Free 1-800-827-1000

U.S. Securities and Exchange Commission (SEC)

Toll-Free 1-800-732-0330

Consumer Financial Protection Bureau (CFPB)

Toll-Free (855) 411-2372

Financial Industry Regulatory Authority (FINRA)

Toll-Free 1-800-289-9999