Have the circumstances of a bad economy left you with a bad credit score, reduced your salary, forced you into bankruptcy, or simply put you out of work?  Are you having trouble paying bills or do you find yourself trying to come up with creative financing ideas to take care of a personal or business concerns?  If you answered yes to any of these questions, you could probably use some quick financial help.

There are ways to get money fast, even for people with bad credit.  However, most lending options for those with a poor credit rating are expensive due to high interest rates.  For example, bad credit credit cards almost always require a secured cash amount, or charge outrageous interest rates. Even the lower rate credit cards can get pricey if you are taking a cash advance.   This method usually creates an endless circle of debt that only progresses into a giant snowball.

If you have jewelry from any of the world’s finest jewelers, such as a white gold bracelet from Tiffany & Co, or a luxury diamond watch from Rolex, you could sell it for cash, or use it to secure a loan.  Cash for jewelry is one of the fastest and simplest ways to get the money you need.  Now you just need to know where to sell your jewelry or where to take it for a loan.

You could visit a typical pawn shop, gold buyer or jewelry store with your  GIA certified diamond ring, Patek watch or some other piece from your fine jewelry collection.  After the pawnbroker or merchant (and a store full of strangers) has listened to the summary of your private circumstances, surely you won’t mind paying a high interest rate to get your jewelry back?  Of course, within a few months of paying that high interest rate, you’ll probably just let it go, losing one of your best assets.

There is a better option at Chapes JPL.  They know how valuable fine jewelry is as an asset, and their loans are short term with one goal “providing you a low enough interest rate so that you can get your items back“.  Chapes began offering loans against jewelry over thirty years ago at rates lower than typical pawnshops and jewelry lenders.

In addition to providing loans, Chapes buys jewelry at the industries highest values. To learn more about selling your jewelry or using it to get a loan, visit and get the financial relief you are looking for today.

Brief History of Pawn Shop

A Brief History of the American Pawn Shop:

By Wendy Woloson Feb 9, 2012 3:52 PM ET.

Pawnbroker An illustration of a New York pawnbroker, from Great Republic Monthly, July 1859. Source: Author’s collection

A view inside the pawnshop, from Every Saturday magazine, March 4, 1871 Source: Author’s collection

Cable television has lately been bringing the art and science of owning a pawnshop to life — even for those fortunate enough to experience it only vicariously. But pawning has been integral to Americans’ financial lives for centuries.

History Channel’s “Pawn Stars” features the oversized Harrison family and their Las Vegas pawnshop, Gold & Silver. Old paper currency, antique pistols, classic guitars and works of art are typical of the items offered up for appraisal there, making the series seem like a less genteel version of “Antiques Roadshow.”

On truTV is “Hardcore Pawn,” set in Detroit and featuring the aptly named Gold family. The clientele at the Golds’ American Jewelry and Pawn is notably downscale, and when not yelling at each other or at the store’s staff, customers are shown pawning and redeeming fairly mundane possessions (save the stripper pole with shag-carpet platform featured in the first season). And “Pawn Queens,” on TLC, chronicles the business of two women who run a “female friendly” pawnshop in Naperville, Illinois.

These shows have domesticated the pawnshop, opening its doors to those curious about what transpires behind the bullet-proof glass, metal bars and high counters that characterize many of these enterprises. And if the pawnshop’s cultural capital is on the upswing, it’s due in large part to straitened financial circumstances, in which many more people are finding themselves in the role of pawners — taking personal items to the pawnshop to use as collateral to secure modest loans.

According to the National Pawnbrokers Association, a trade group, there are now more than 30 million pawnshop customers per year. The value of the average loan in 2009 was $100, up 20 percent from the previous year. About 80 percent of pawners pay off their loans and redeem their collateral, though redemptions are on the decline.

Although pawnbrokers, being in the credit business, profit from interest on loans, they are also active buyers and sellers, and make money on retail sales (which are down) and the purchase of items made of precious metals and gems that they can reconstitute and trade as commodities (those transactions are up).

“Pawn Stars,” “Hardcore Pawn” and “Pawn Queens” do show quite effectively that pawnshops are, and have always been, equal-opportunity lenders, providing small short-term loans to those — often women, minorities and the working poor — who have lacked access to forms of credit available to the elite.

The first places in the U.S. to identify themselves as pawnshops, usually marked by a sign showing three balls, were established in the second decade of the 19th century. The number of pawnshops dotting urban landscapes only increased, thanks to the growth of the domestic manufacturing sector, which generally paid its workforce low wages. A pawnshop loan could be a crucial bridge between paydays, providing cash for basic necessities such as food and rent on the security of personal possessions. These loans also helped business owners meet payroll and the rich to finance their vacations.

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I’ve realized the past couple of weeks that more and more people are asking where they can sell their old jewelry. Many of you have gold, silver, diamonds, and other precious items that you are either willing to get rid of, or you are in a financial rut and need the cash you could get for them. Either way, Chapes can help.

5 Ways to Save a TON of Money


Below are some quick and easy ways to save  a little bit of money here and there. And let’s face it, every little bit counts.

 1. Stop driving so much

Gas is expensive, so when you use your vehicle for unnecessary driving you are still technically spending money. Stay at home for a little bit or take a bike out. Besides, your body will thank you for the physical activity.

2. Pack lunch

We all hate spending hundreds of dollars a month on groceries (especially if we have a large family), but in the long run you will save more money by packing a lunch for school or work. Every time you go out to eat, it’s roughly over $5 (and that’s even when you try to eat cheap!) By buying groceries in bulk and packing a lunch, you are able to save money throughout the week.

3. Pay your bills on time (duh)

Even when your are struggling to make ends meet, make it a priority to pay your bills on time. This way, you avoid added late charges and you will sleep better at night too. If you need a short term loan to get caught up with your finances, give Chapes a call.

4. Live with your parents

Ok.  This one applies more for the recent grads. Young adults are so eager to move out and be on their own that they push saving money to the back burner. When you have the opportunity to live with your parents or have roommates, you can take that time to really build a savings!

5. When you need a loan on Assets, use Chapes-JPL!

Typical pawn shops and jewelry lenders lend on assets at extremely high rates making it almost impossible to payoff the loan. At Chapes-JPL, we provide loans on gold, diamonds, jewelry, watches, cars, boats, art and fine assets at a low interest rate, which makes it so much easier to payback a loan. This way you can get the money you need in a manner that’s fair and reasonable!

Call us and let us show you how much money you can save!

College is Expensive, We Can Help

College is Expensive, Let us Help


We recently had a client come in our Chapes JPL office for (what all of our clients come in for) a loan. This story specifically touched me because I’ve been there, done that. 

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Save Money This Valentine’s Day


Tis the season for love. This is the time of year that we can get all mushy and no one will judge us for it. The cheesy gifts and sentimental cards are not only acceptable on Valentines, but they are encouraged. I mean really, when else could you give a giant pop-up card with a bright pink heart and glittery champagne? That’s what we thought too.


Anyway in spirit of this lovey-dovey day, Chapes JPL has decided to let you in on a little secret… You do not have to stress out around Valentine’s Day. It’s not all about the money and gifts when you love someone.  It’s the mere presence (not to be mistaken with presents) that you look forward to (not what they spend their credit card on).


The ads you see on TV and hear on the radio lead you to believe that you need to go out and buy a car for your partner, or take him/her  on an exotic vacation. That’s not how we here at Chapes feel. Don’t go out and spend a fortune, let things be just as exciting without the costs.  Here’s how:


Make Dinner at Home

Sure you may make dinner every other night of the week, but make this one twice as special. Light candles, play soft music, and really set the mood to show how much you care. Instead of the basic chicken and veggies, go for a more sophisticated meal. Try roasted duck with couscous and leafy greens. It’s a great alternative to the everyday chicken in the kitchen. Finish the meal off with a home-made french vanilla custard… My mouth is watering just thinking about it!


Unplug from Everything

Raise your hand if you get your email sent straight to your phone. How about if you’re on Facebook for a little while after work? I know most of us are guilty (as are our partners).  On Valentine’s night, unplug it all.  Turn off the phones, shut down the computers, and don’t turn on the TV. Spend the evening cooking together, tasting old wines you forgot about, play a few games, or just sit around and talk. You’d be surprised how much you will learn about your partner once you’re no longer plugged in.


Make an Art Project

Whether it’s an outdoor flower pot that needs attention or some pictures that needs to be  reorganized, try to do the tasks together. The flower pot has had a chip on it for years, but you can’t bring yourself to throw it out, what do you do? Go pick up a $5 flower pot from the store and spend time with your partner painting it and decorating it. Not only will you get a great looking flower pot out of the deal, but the two of you will have bonded in a way you most likely haven’t in a while.

Sure, the idea of these gestures may sound cheesy.  Like I said above, most of these times together are rather silly – but that’s the point!  Do things together that you normally wouldn’t do. This is your excuse to shower your partner with silliness and bask in each others’ love. The time you spend is more important than the money you spend, that’s a fact.

However, if you do feel the need to go all out, we are here for you.  Chapes JPL gives out loans based on the collateral you give us. So if you do want to get your partner the best of the best, you can always give us a call and we’ll help you find a way to pay for it. Remember, when the bank says no, we say YES!

Actor Gary Busey has filed for Bankruptcy

“Lethal Weapon” actor Gary Busey filed for bankruptcy in California on Tuesday, citing more than $500,000 in debt, according to documents obtained by TMZ.

Busey, who has starred in more than 70 movies, has less than $50,000 to his name. Court documents show that his IOUs got a bit too extensive and he owes a large number of people a lot of money. (RELATED: Full coverage of the entertainment world)

The Hollywood star reportedly needs to pay the IRS, various lawyers, UCLA Medical Center, Wells Fargo, L.A. County Waterworks Districts, and a storage company.

Among the many businesses he owes money to, Busey also notes he might need to pay an undisclosed sum to Carla Loeffler, a woman who sued him for allegedly attacking her in Tulsa.

Terrell Owens In GQ: I’m In Hell

Written by: Jeff Arnold

Terrell Owens has always been an island of sorts. His brash personality and self-absorption routinely alienated his teammates during an NFL career that teetered between terrific and toxic, leaving him to fend for himself.

Now, at 38 and out of football, he’s lonelier than ever, and running out of money. In a GQ profile, Owens comes across as wounded, broke and desperate. When people text him to ask where he is, he replies back: “I’m in hell.”

But is it his own fault? That’s the perennial debate on T.O., who had a heartbreaking childhood but continually pointed fingers at everyone but himself once he became an adult.

In the GQ story by Nancy Hass, Owens blames the media for not giving him a chance to rehab his injury, blames agent Drew Rosenhaus for not protecting him from a bad business arrangement, and — perhaps most surprisingly — blames a former team captain for his issues with former Philadelphia teammate Donovan McNabb.

Owens earned around $80 million during his NFL career, but has found himself in deep financial trouble, despite never spending lavishly. In the February edition of GQ, Owens admits to trusting the wrong people, who in turn cost him a lot of his fortune.

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“It’s not a matter of having lived too large — he was never the type to stockpile Ferraris or build himself a compound; the flashiest car he ever drove was a Mercedes, and while he indeed racked up a few homes that cost as much as $4 million, the only crib he classifies as even mildly sick by pro-ball standards was the one he bought in Atlanta to live in during the Philly off-season.

The problem, he says, is that he’s by nature too trusting, loyal to a fault, despite everyone’s carping that he’s selfish. It’s the sad old stereotypical song of the up-from-nothing black athlete: He let other people take care of things.”

Owens said financial advisers recommended by Rosenhaus lost much of his money in highly leveraged ventures, then houses and apartments he thought he could rent out in a worst case scenario became dead weight in a housing market collapse (none of the properties is particularly excessive, but total a yearly mortgage of about $750,000), and $2 million was lost in an Alabama entertainment complex investment. That venture turned out to be illegal, and also claimed former Redskins running back Clinton Portis as a victim.

“I hate myself for letting this happen,” Owens told GQ. “I believed that they had my back when they said, ‘You take care of the football, and we’ll do the rest.’ And in the end, they just basically stole from me.”

Owens has also found himself friendless, thanks to a growing sense of distrust thanks to his many unfortunate dealings.

He never had many friends — teammates never called him to party, he says, wrongly assuming that he was “too big” to socialize — and now, “I don’t have no friends. I don’t want no friends. That’s how I feel.”

And on top of that, he’s battling in court with four women to whom he pays a total of $44,600 a month in child support for his four children, ages 5 to 12.

“If there’s anything I’m sorry about, it’s getting involved with all that.” He never actually dated any of the women, he says. One was a one-night stand, the others “repeat offenders.” Owens, who has never been married, concedes he is “not a very good judge of character.” Still, he “never suspected they were the types to do what they done in the past year.”

When money became tighter, Owens had to reduce the amount he paid to each of the women, and three of them sued him. A warrant was issued for his arrest when he didn’t show up for a court date with the mother of his oldest child, Tariq. Beyond that, the relationship he’s maintained with the mothers and his children is tenuous, at best.

Now he is in court with all four women, whom he lumps together like one big bloodsucking blob. None of them are being fair, he says: “They know I’m not working; they know the deal.” Although he never established regular visitation with any of the children through the courts, he says he sees the eldest three as much as he can when their mothers allow it. So bitter is his relationship with the mother of the youngest child, a son, that he has never met the boy.

As for McNabb, Owens stands by his decision not to mend fences with the former Eagles quarterback, whom Owens characterized as “tired” following the Eagles’ 24-21 loss to New England in Super Bowl XXXIX in 2005.

When given an apology written by the team’s media relations staff, Owens claims to have handed Eagles’ captain Jeremiah Trotter the mea culpa moments before he was to deliver it to reporters.

Owens tells GQ Trotter read through the statement and arrived at the portion regarding McNabb, who threw for 357 yards, but was picked off three times. Owens claims Trotter ripped off the bottom portion of the page and told Owens he didn’t owe McNabb a thing.

“This is the team leader we’re talking about,” Owens tells GQ. “He told me not to do it.”

Trotter calls Owens’ account inaccurate, telling the magazine he was the one insisting Owens apologize.

Once again, T.O. stands alone.

Owens’ career is defined as much by its theatrics than for its statistical body of work. His playing days ended last spring after his one-year, $2 million contract was not renewed by the Cincinnati, where Owens and Chad Ochocinco collectively proved to be more style than substance.

Owens has clearly moved on.

Some decisions, he admits, may have been handled differently now. But at this point of his life, he’s not willing to look back.

“To say I regret anything would be a slap to my grandmother’s face,” Owens says, referring to the woman who raised him.

He concedes his only mistake in calling McNabb out was one of timing, admitting “I might not have said or done things at exactly the right moment.”

To this day, Owens remains confident bordering on cocksure, convinced — even with a medically repaired ACL — that he is capable of the jaw-dropping playmaking ability of his youth. It’s not his talent that keeps teams from calling, he insists, but instead a reputation cast onto him by the reporters he often held hostage.

“I think people change, but the media, they never allowed me to change,” Owens says. “They never allowed me to be a better person.”

Described in the GQ piece as a “caged cat” living in a spacious 1,800-square foot Los Angeles apartment, Owens remains on an island. He claims to be broke despite making at least $80 million during his playing days.

He says he’s never been diagnosed as clinically depressed but he’s been “real down.”

“I don’t have no friends — I don’t want no friends,” Owens says. “That’s how I feel.”

You can read the rest of the interview on


iStock_2926882 fine jewelry

AtlantaGeorgiaUnited States of America( February 10, 2012 — Girls may think a diamond is their best friend, but they must have never heard about Chapes-JPL. Sure, diamonds are beautiful, exotic, elegant, and portray wealth, but more than likely, what was on Marilyn’s mind when she sang the popular song over fifty years ago, is that a diamonds cash value is forever.

Chapes-JPL knows a diamond’s true worth, as well as the value of precious stones, gold, platinum, watches and other fine assets. They are among the most knowledgeable jewelry appraisers in the business. The professionals at Chapes-JPL appraise diamonds and personal assets accurately and offer loans at rates up to 90% lower than traditional pawn shops.

Chapes-JPL has been providing collateral loans from its Atlanta, Georgia office for more than thirty years. Since that time, they have delivered helpful financial assistance to thousands of customers. Continually earning the respect and business of their clients by providing loans at low interest rates in a safe and discreet environment.

The loan process at Chapes is quite different than regular pawnshops. When visiting this asset-based lender, The first thing you’ll notice are their quiet and elegant offices located within the Lenox center in Atlanta, or the Wells Fargo building in Boca Raton. All customers are seen by appointment only. Therefore, when entering their lavish waiting room, the only other person you will see is the friendly Chapes representative. The company’s staff is always welcoming and helpful. They understand the financial dilemmas people face, and really are there to help.

Unlike a typical pawn shop, this lender truly caters to their customers. Chapes-JPL understands the value of fine jewelry and hopes that each and every client redeems their collateral. Jeff Zager, Chape-JPL’s President explained, “If the client sells their only valuable asset, they will no longer have that collateral to get a loan in the future when times get tough. Our goal is to become that client’s lender indefinitely”.

Chapes-JPL was originally founded to provide a better solution for loans on valuable assets, one that truly has the client’s best interest in mind. Otherwise, good people would be forced to sell their precious assets to gold buyers that pay very little, or typical pawnshops that lend at very high rates. In an effort to better serve its customers nationwide, they opened a second location in Boca Raton, Florida.

People throughout the world are facing tougher financial times right now. Banks are tightening their belts and making it almost impossible to get a loan, and traditional pawn shops are making a fortune on other people’s misfortune. So, do yourself a favor. If you need money, instead of selling your assets: your diamond, gold jewelry, luxury watch, designer handbags, cars or your boat, consider visiting Chapes-JPL will get you back on your feet with the low interest loan you need.

After being sued for $200K, Julius Erving puts his trophy case up for auction

By Kelly Dwyer
Yahoo Sports

After being sued for $200K, Julius Erving puts his trophy case up for auctionTimes are tough for business owners both big and small in 2011, and Basketball Hall of Famer Julius Erving is no exception. The formerPhiladelphia 76ers legend is being sued for nearly a quarter of a million dollars after an investment in a golf club went belly-up.

The Atlanta Journal-Constitution has the breakdown:

Erving’s company was given a $1 million line of credit in April 2009, which was due the following April, according to the lawsuit obtained by the AJC. Erving used aGwinnett County home as collateral to secure the loan, the lawsuit states.

In August 2010, the line of credit was reduced to $750,000 and the maturity date extended to July 24, the bank stated in the suit. But, an outstanding balance of $205,277.84 has not been paid, despite a demand letter for payment sent Sept. 29.

Erving, better known by his nickname Dr. J, moved to the Atlanta area in 2008, about two years after purchasing the Heritage Golf Club, near the Gwinnett-DeKalb county line. The AJC reported in April 2010 that the golf club was in foreclosure.

That’s just all sorts of unfortunate. Erving has taken in plenty of post-playing work since retiring from the NBA in 1987, including stints as an analyst on NBC and a gig with the Orlando Magic as an advisor. It’s not clear what his role in the failed golf club was, but he’s certainly on the hook here.

In what the AJC is calling an “unrelated” event, a litany of Dr. J’s personal memorabilia has gone up for auction, through the SCP Auctions company. It’s a pretty significant list of swag, available here:

Some of the marquis items from the collection include Dr. J’s 1974 and 1976 New York Nets ABA World Championship ring; 1983 Philadelphia 76ers World Championship ring; 1996 NBA’s 50 Greatest Players ring; MVP trophies from 1975-76 (ABA) and 1980-81 (NBA); 1977 and 1983 NBA All-Star game MVP trophies; 1979, 1981 and 1985 Eastern Conference All-Star game-worn uniforms, 1982-83 Philadelphia 76ers game-worn road uniform; and his final game-worn jersey from Game 5 of the 1987 Eastern Conference playoffs.

That’s not just some of his memorabilia — that’s all his memorabilia. Championship rings? MVP trophies? His jersey from his final game as a Sixer? It’s a cool stash, but it’s also more than a little depressing.

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