Catching Up on Credit, Taxes, and Notary Services: A Discussion with Mark Calvy Jr

"Welcome back to Credit Talk with JusticeLegal Credit! In this episode, our host, Mark Calvy Jr, is back with valuable tips and advice on credit, taxes, and more. Mark discusses the importance of filing taxes on time and the consequences of not doing so. He emphasizes the significance of managing books, especially for business owners, and its impact on obtaining loans. Additionally, he delves into the notary services offered and the importance of credit in achieving financial goals. Mark also teases upcoming episodes, promising in-depth conversations on credit, taxes, and business creation. Stay tuned as he unveils exciting changes coming to the podcast and social media platforms. So, get ready to dive into the world of credit, taxes, and business with Mark Calvy Jr in this episode of Credit Talk!"

Mark Calvy Jr [00:00:11]:
What's going on, ladies and gentlemen? It's been a while. Yep. Yep. Yep. Yep. You are hearing correctly. This is Mark Calvy Jr from Credit Talk with JusticeLegal Credit, also with JusticeLegal Credit and Tax Services. So, y'all, it's been a while since I actually, you know, been on here to speak to everybody, you know, give out certain tips and just, you know, tell y'all what y'all gotta do, what you need to do regarding whether it's credit, text, whatever.

Mark Calvy Jr [00:00:47]:
But I've been away for a while. I've been doing some, you know, life been life in y'all, so I don't know what to tell you. It's only thing I could tell you is just life has been life. And so but to all of my, loyal listeners and customers and friends and family, I appreciate y'all for being patient, and I am back y'all with some more, tips and tricks and, advice. Whatever it is that y'all need, I'm here. So, you know, there is a disclaimer, of course. I always ask that anything that's discussed on this podcast, it's it's best that you do your own research. We are not attorneys.

Mark Calvy Jr [00:01:36]:
This is not giving out legal advice. We always ask that you do your own research, y'all. So alright. So let's get into it. I'm I'm a just gonna be rambling, because I'm gonna probably go in go into a couple of topics, regarding credit taxes and maybe some notary stuff probably, and touch on a little life insurance, you know, because I'm not sure if you know, but we added tax services to our, to our platform, to our products and services that we offer. And we basically been doing a lot of amended tax returns. So, the 2023 tax year is over with. So if you have not filed your taxes, I advise you to file those taxes whether you're late or not because what's gonna happen is you're gonna get a I believe it's a $400 penalty, and then after that, they add interest each day until the debt is taken care of.

Mark Calvy Jr [00:02:45]:
So I always ask that you reach out to your tax adviser. If you are a business, please please please please, you know, learn or just have a get a bookkeeper to manage your books, because it makes my life and any other tax adviser's life 10 times easier, because everything is literally right there. But yeah. If you do not have a tax advisor, not tax advisor, or a bookkeeper or anything like that, you can always reach out to us, and we can recommend a, a bookkeeper and a, a payroll specialist to help you with that if you are a business. That's what lately, what that's what we've been doing. We've been doing a lot of business taxes to, mediate of the confusion and all the hard work that goes into it. But there's a lot of business owners that have missed a lot of steps into managing their books, especially if you're trying to get a home, and you don't pay yourself like that. Your books or your bookkeeping is literally it's it's basically it's basically your bread and butter if you're trying to get a loan.

Mark Calvy Jr [00:04:15]:
That is, like, you know, the best thing that you can do as a business owner is to manage your books. If you don't know how to do it, hire somebody that can. If you don't know how to do payroll, hire someone that can. That's the whole purpose of hiring people, is to do the things that you don't want to do or do the things that you don't know how to do. So I ran into that myself over the course of the years, and I just learned to just pay people that know how to do these things. So, so, yeah, we are more than willing to help you, point you in the right direction. So if you do not have a, you know, bookkeeper or anything like that, just reach out to us and stuff, and we can go ahead and, you know, we can set you up with that. We can, you know, put you with the right people.

Mark Calvy Jr [00:05:09]:
Alright? So I'm probably gonna touch on, you know, some the bookkeeping stuff, regarding tax related products down the line. But as of right now, you know, just touching touching base on a few things. So that'll just give us more of topics to talk about down the line. Alright? So, but it's very important that you, if you, again, if you haven't filed your taxes, file your taxes. If there's previous years that you have not done, or that you feel like you have not done correctly? Because I know that there's a lot of do it yourselfers out there that did your own taxes, and you thought about, or you thought you was gonna end up going to get a refund, but you find out that you owe. But or if you just want a second opinion, you know, just give us a shout and we are more than welcome to, you know, take a look at what you did and fits exactly what you did. So, it doesn't matter what year that you're trying to do, whether it's 2022, 2023, 2020, whatever. Just reach out to us.

Mark Calvy Jr [00:06:23]:
You can go on our website, justicelegalcredit.com, fill out a form or book an appointment. Preferably, there's a form under, I think it's called tax forms or something like that, or tax prep. Fill out that form, and we will be able to take a look at what you have and tell you exactly what needs to be done. And then from there, we'll just let you know exactly how much it's gonna cost, and we can just go from there. So So, but, yeah, admitted returns we do year round. We do, of course, you know, if you want to become a tax preparer with us, we are definitely looking for tax preparers. We'll help you get the licensings, all that stuff. Yeah, we'll go ahead and set you up with all that stuff, so yeah.

Mark Calvy Jr [00:07:18]:
Alright. So that's taxes. We'll, you know, cover some more things, tax related products down the line. This is just a brief thing, so y'all, let's see. Notary. So if I'm not sure some of y'all know, but I am a licensed notary for the state of Florida. I am authorized to do any type of notarizations, that is, you know, that I that's in my scope, that I am comfortable of notarizing. So I can notarize any legal documents.

Mark Calvy Jr [00:07:58]:
If it's not a legal document, once it becomes once we do the proper, you know, you hand me the proper paperwork, it I can have it become a legal affidavit. Let's see. I do any court I say I think I say court documents. I know there's child support paperwork. I don't help you fill them out. I just basically notarize the documents for you. So, if you need help with that, you know, we can send you to someone that can help you fill that information out if you don't know how to. But we are not licensed attorneys.

Mark Calvy Jr [00:08:37]:
And, also, I gotta say this again, we are not giving out legal advice, or this is not legal advice. So, yeah, do your own research. But, yeah, anything that needs notarization, we can do it. Power of attorneys, we can do if you need a a VIN number check, we can do that. But, yeah, we could do all sorts of stuff. Loan signings, we do all of it. So yeah. So if you're in a situation where your bank don't wanna do it, or you don't feel like going to the bank, and you need a notarization done online, or you need me to come to you, hey.

Mark Calvy Jr [00:09:19]:
I'm your boy. I'm your man. I'm sorry. Change that up. I'm your man. I can come to you wherever you are, and, yeah, that's that's basically the scope of things. And to some of my customers that did, excuse me, did business with me currently or prior, y'all know I don't play. Either you upload your documents and I'll go ahead and do it from there, or I'll just come directly to you, or we can do remote notarization.

Mark Calvy Jr [00:09:51]:
So I do it all. I ask that you, have everything preorganized because I can't tell you exactly what to put or anything like that. I can only tell you where things need to be signed, and I just put my part and stamp. That's it. So, but yeah, if you find yourself needing a notary, you can always give us a call, book an appointment, preferably book an appointment. We do have a, an appointment tab for that, regarding notarizations. You just let us know how many documents need to be notarized, and that way we know how much we need to charge you. If you're a customer, all notaries are free.

Mark Calvy Jr [00:10:35]:
If you're a current customer, like a current credit client, anything like that, notarizations are free. So, trying to think, I believe that's it for the notary side. Now to credit. Credit, credit, credit, credit. So the summer is almost over y'all, and I know a lot of people that I've been assisting, regarding their credit. Y'all been doing good. As some people that, you know, had to leave the process because life has been lifing, I don't blame y'all. You gotta do what you gotta do.

Mark Calvy Jr [00:11:16]:
And I always tell my customers that if you need help or if there's something that I can help with, just let me and my team know, and we can work with you. We've done that with a lot of our customers, where, you know, we'll work with you because, again, I'm human too. Trust me. Life be lifein' with me too, so I'm in the same boat sometimes. But I just wanna make sure that everybody gets back on track and that you everyone reach their goals that they set out to, you know, to accomplish. It ain't gonna be easy. There's things that I'm doing myself, regarding, you know, to do you know, to take care of some things. But, hey, we all human, you know? But at the end of the day, as long as you set out and complete that goal, that's what matters.

Mark Calvy Jr [00:12:10]:
But credit credit is definitely gonna be the key to everything. I know some of you all are trying to get homes, new homes, Proud of y'all. Some of y'all trying to either get new cars or y'all actually got new cars, you know, without help, but or just trying to establish a business, you know, we you know, I just wanna say I'm proud of y'all because it it is not easy, especially, you know, when you feel like you don't have help. But I just wanna let y'all know again that y'all got help with us, you know. Just legal credit. So, tax services. So, we here for y'all. You're not here to, you know, to judge no one because at the end of the day, you know, this is a judge free zone.

Mark Calvy Jr [00:12:59]:
All I can tell you is just, you know, be straight straight up with you. You know? But, yeah, credit is definitely the key, and I am going to in next couple of, you know, shows, we're going to be doing a lot more, you know, breaking down of the importance of credit and the different types of situations that you might fall under, that where you might end up needing credit. We're gonna talk about debt collectors, you know, charge offs, bankruptcies. We're gonna talk about it all because I know that I touched on it a little bit, but I haven't really been going into too much detail. I know that I've been going into detail with some of the things when we do the home buyer seminars with other realtors that we are partnered with. But I think this is the perfect platform to kinda explain the things that you need to do in order to improve your credit, things that you can change, budgeting, we also help with that, you know, budgeting. It's but at at the end of the day, it all falls under you. You are the one that needs to, you know, complete the goal.

Mark Calvy Jr [00:14:27]:
You're the one that need to follow through with it, and you're the one that needs to, you know, get it in your head that this is what you want. You started this. Now you gotta finish it. Alright? So yeah. But, yeah, this this summer has been very interesting when it came to, you know, with everything. So everybody that made it through, I'm seeing a lot of people are starting to get back, you know, back on their goals. Y'all doing it. So I appreciate that and I appreciate the calls and stuff, the messages that y'all been sending out, you know, getting back on track.

Mark Calvy Jr [00:15:07]:
I didn't even have to reach out to y'all. Y'all own it. But, other than that, y'all, I believe I'm trying to think if there's anything else that I wanted to cover with y'all, before I actually start doing more in-depth conversations like this. I just wanted to come on here, you know, do a little powwow with y'all. And let's see. School starting back? Yes, yes, yes. The kids going back? Yes. Can't wait.

Mark Calvy Jr [00:15:43]:
So there'll be a lot more free time for everybody to get more focused and to, you know, start getting back on, you know, get get back to business, basically, that's including myself. Trying to think if there is anything else y'all. Oh, yes. For all the people that are either current business owners or trying to start a business. We do help with business creation to a certain extent. So we can help you set up your business the right way, but it's just certain things that we won't do as of now, but for us like getting you set up, for us like, you know, getting your business, your LLC, incorporating, business address, you know, phone system, all that. We'll help you, you know, and, you know, get all that stuff situated, especially, you know, getting you prepped for business loans because that is a whole process that you have to do. And if you do it wrong, then you gonna find yourself in a world of hurt.

Mark Calvy Jr [00:17:01]:
So, but, if, again, if you're a current business owner and you wanna evaluate to see if, you know, a small business owner and see if your business is set up correctly, just give us a call, set up an appointment. Preferably set an appointment online, justicelegalcredit.com. You can go to our booking page, book an appointment, and, we evaluate your business, see how everything is set up, and if there's any changes that needs to be made, we will do a an analysis for you. So, but let me spring back over the credit real quick. So anybody that needs, you know, any friends or family that you feel like that may benefit from our services, especially if you are a former customer and you or new customer, and you have been receiving, value from our program or any type of changes in in our program, please refer your friends or family. That way, you know, they can reap the same benefits as you. And that way, you know, we'll look out for y'all, and y'all can look out for us. So, we appreciate everybody that is, you know, our clients.

Mark Calvy Jr [00:18:16]:
And like I always say, just, you know, y'all clients, but y'all family and me, you know. Like, y'all literally are part of, like, my, you know I feel every time I talk to y'all individually, you know, I feel like I'm talking to a family member. So, I mean, that's just what it is. I appreciate the bonds that I have with everybody. You know, I I appreciate that. So, other than that y'all, I think that is all that I'm a do with the little rambling that I've been doing. But I just wanted to come back on here and just do a little small chit chat with y'all, just to let y'all know that I'm here. And we're gonna be doing some exciting things.

Mark Calvy Jr [00:18:57]:
Oh, I'm sorry. Let me add this too. I'm sorry. We are currently making a lot of changes to our social media pages. Some of the content that's on there, we're gonna be either updating it, or we're just gonna be, removing everything, well, most of it, because we're gonna be doing, probably, a rebranding. But, yeah, we're gonna be doing a lot of changes, including website. The website, probably gonna change just a little bit, but not too much. But we're revamping everything.

Mark Calvy Jr [00:19:32]:
We are cleaning cleaning everything up. Basically, summer cleaning. That's basically what we're doing. So, So, yeah. It's a lot of exciting things that we're doing. We're gonna be trying to do a little bit more seminars, whether we do it in person or virtually. So that way everybody can, you know, get gain some of this knowledge that I have in my head and share with y'all, because a lot of people don't understand certain things regarding credit, taxes, and, you know, the business side. But other than that y'all, I appreciate it.

Mark Calvy Jr [00:20:09]:
So I'm about to go ahead and let y'all go, but I appreciate y'all listening. Until next time, this is Mark Calvy Jr with Credit Talk with JusticeLegal Credit and JusticeLegal Credit and Tax Services. And y'all have yourselves a wonderful day or night or whenever that y'all listening to this. And, see y'all next time, y'all.