Bankruptcy : Business & Finance

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Do You Have Too Much Unsecured Debt? - Why Debt Settlement is a Better Option Than Bankruptcy

Do You Have Too Much Unsecured Debt? - Why Debt Settlement is a Better Option Than Bankruptcy

Do you have too much unsecured debt? What is the amount? Is it above ten thousand dollar? If the answer to the third question is yes, you qualify for debt settlement and all other relief options. Do you know that bankruptcy is one of the paths which lead to a liability less life? ......[Read More]
Maintaining Good Credit After Bankruptcy

Maintaining Good Credit After Bankruptcy

Filing Bankruptcy can be a difficult feat but maintaining good credit doesn't have to be hard. You can have good credit after bankruptcy. It's just a matter of being responsible & understanding what you are getting into as far as debt to income ratio.......[Read More]
What Needs to Be Done When Filing Chapter 13

What Needs to Be Done When Filing Chapter 13

Instances occur when personal debt becomes overwhelming. Job reversals, downturns in the economy, and even poor money management can result in debt obligations that simply cannot be repaid. The federal bankruptcy code was designed to provide honest, but unfortunate, debtors with a legal means for se......[Read More]
What Is Responsible Debt Release?

What Is Responsible Debt Release?

Responsible Debt Relief is a system that precisely measures and estimates debt repayment capability and consumer debt capacity. The results of an algorithmic formula allow the classification of consumers into certain debt relief or management programs.......[Read More]
California Head Start Scholarships

California Head Start Scholarships

Head Start is a program that aims to improve the lives of low-income children. Region IX of Head Start encompasses the states of Hawaii, California, Nevada and Arizona. The Region IX Head Start Association offers three scholarship programs each year to Head Start employees, Head Start participants a......[Read More]
How to Write $2000 on a Check

How to Write $2000 on a Check

Checks are used to pay individuals or businesses. When the person or business cashes your check, the money is deducted from your bank account. Checks can only be written if you have sufficient funds in your bank account to cover the full amount of the check. Most personal checks are handwritten, but......[Read More]
Avoid Bankruptcy! - Learn How to Capitalize on This Recession and Eliminate Unsecured Debt

Avoid Bankruptcy! - Learn How to Capitalize on This Recession and Eliminate Unsecured Debt

Do you know that bankruptcy is not a proper option for liability reduction? It is a way to escaping the problem and harming the future. Hence, you need to avoid bankruptcy. How can you avoid paying your liabilities in the first place? You can do this by capitalizing on recession. ......[Read More]
Over 1.2 Million Homes Gone Due To Recession

Over 1.2 Million Homes Gone Due To Recession

This week, a recent report from the Mortgage Bankers Association, shows 1.2 plus, million households have been lost in the recession.......[Read More]
Different Types of Bankruptcy

Different Types of Bankruptcy

Private citizens who don't own businesses and struggle to make ends meet can elect to file Chapter 7 or 13 bankruptcy, according to both the United States Bankruptcy Court and the book "How to File for Chapter 7 Bankruptcy." Self-employed citizens or business owners who want legal.........[Read More]
South Carolina Laws on Repossession

South Carolina Laws on Repossession

Each state has the legal authority to give consumers legal rights against vehicle repossession agencies. Generally, most states allow repossession agencies to proceed with repossession as long as they do not use threats or violence during repossession. In South Carolina, the repossession agency can ......[Read More]
How to Negotiate Debt With Attorney Summons

How to Negotiate Debt With Attorney Summons

If you have been notified of legal action being taken against you, you've got a tough road ahead. When a creditor files a suit against you in civil court, they are no longer serious about collecting from you simply by contacting you by phone. If you receive an attorney summons, you have several opti......[Read More]
Commonly Asked Bankruptcy Questions

Commonly Asked Bankruptcy Questions

There are many questions people have when they file bankruptcy. Here are a few common one as a general answer to them.......[Read More]
How to Negotiate Old Debt

How to Negotiate Old Debt

Many people have old debt appearing on their credit report. Quite often, people forget about old loans, credit cards and bills they were unable to pay. However, old debt can damage your credit history and lower your credit score. If you currently have old debt, consider paying it off as soon as poss......[Read More]
What Items Can Go in Filing Bankruptcy

What Items Can Go in Filing Bankruptcy

Filing bankruptcy is usually a difficult decision, whether you choose to seek forgiveness of most debts through Chapter 7 or restructure existing debt payments in a Chapter 13 case. There are some items that must be submitted in a bankruptcy petition as well as a number of debts eligible for relief,......[Read More]
How Does Filing Chapter 13 Affect My 401(k) Loans?

How Does Filing Chapter 13 Affect My 401(k) Loans?

A 401(k) is an employer-sponsored retirement plan that a portion of your salary funds monthly. All funds held in a 401(k) are generally insulated from bankruptcy--that is, they are not lost or forfeited when a debtor files for bankruptcy. Chapter 13 bankruptcy is a debt reorganization that allows a ......[Read More]
The Steps To Take To Get A Bankruptcy Auto Loan

The Steps To Take To Get A Bankruptcy Auto Loan

Bankruptcy is among the most nerve-racking, credit damaging occurrences a person could undergo. When this happens, your credit rating will be ruined and you will be labeled as high-risk by virtually every loan provider and ... ......[Read More]
Understanding the Alternatives to Filing for Bankruptcy

Understanding the Alternatives to Filing for Bankruptcy

If you are struggling with debt, it is not unlikely that you are considering bankruptcy. While this could be the viable solution that you are looking for, it does not necessarily mean that it is the one that you should choose. In fact, there could be alternatives better suited for your unique situat......[Read More]
CVA - Company Voluntary Arrangement

CVA - Company Voluntary Arrangement

For any company that is facing financial hardship, a CVA (Company Voluntary Arrangement) should be considered. If the company has begun to recover from a previous financial difficulty, but can not overcome the debt despite ... ......[Read More]
When You Have Too Many Debts What Do You Do to Pay Them Off?

When You Have Too Many Debts What Do You Do to Pay Them Off?

Paying off debts can seem like an arduous and overwhelming task at times. While it may seem impossible, it is possible to get a handle on credit problems. Assessing your debt load, establishing a budget and working to get your credit payments under control are all essential steps in the process.......[Read More]
BankruptcyNot For The Faint Hearted

BankruptcyNot For The Faint Hearted

Inability or impairment of ability of individuals or organisations to pay off their creditors is known as bankruptcy. Normally individuals and business establishments initiate the process of bankruptcy but sometimes a group of creditors can ask for a declared state of bankruptcy in order to recover ......[Read More]