New Bankruptcy Law Will Not Protect You from Identity Theft
by Charles Essmeier. A provision of the new law that was not well publicized is the fact that the law applies to any debt, including debt which has been incurred through theft of the debtor’s identity. If someone steals your credit card, or driver’s license, or both,...
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Utah, the Nation’s Bankruptcy Capital
by Charles Essmeier. One would think, given the accusations, that the highest bankruptcy rate in the Untied States would be in place where such vices were common, such as California, New York or even Nevada. If problem gambling is thought to be the cause of so much bankr...
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Mandatory Credit Counseling for Those Considering Bankruptcy
by Charles Essmeier. Actually, the details are not yet known. The law, which takes effect on October 17, 2005, does require that debtors considering bankruptcy receive credit counseling at least six months before filing for bankruptcy. The law also requires that they rec...
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You should only declare bankruptcy if you absolutely have to
by Jakob Jelling. Essentially, this is the best choice for you if you do not have a better way to pay off any of your bills, and if you do not think it is possible for you to ever get out of the debts that you owe.If this is the case, then bankruptcy is a way to avoid...
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Life after Filing Bankruptcy
by Sam Argon. Below are some tips to help you reestablish your credit after filing for bankruptcy.1. Learn to live within your financial means. Spend your money wisely and do not buy luxury items that are not a necessity for living! This is an important lesson to ...
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Bankruptcy - Your Fresh Start
by Chris Cooper. Most American consumers are living too close to the edge. They are carrying too much credit card and mortgage debt and have too little in the way of savings. When the inevitable unexpected crisis comes along, they have little left to handle it and qu...
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If I file for Bankruptcy will my student loans get discharged?
by Bkhome. Discharge of student loans received popularity in the 1970's. Many individuals would file for bankruptcy shortly after completing their expensive education. The goal was to discharge these student loans before they began earning money.The wording of ...
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You Dont Have To Declare Bankruptcy To Deal With Your Debts
by John Williams. Bankruptcy is not your only option. Millions of people credit is devastated by bankruptcy every year. Though filing a Chapter 7 Bankruptcy will clear you of any obligation to creditors, it is devastating to your credit and will ride your credit repor...
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Bankruptcy--The Last Resort or a Fresh Start
by Larry Denton. Bankruptcy is usually used only as a last resort, after other attempts to solve a financial crisis have failed. You may want to talk to an attorney specializing in bankruptcy or a credit counselor to see if you really need to file for bankruptcy. Per...
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Chapter 13 bankruptcy basics
by Bankruptcy Home. The United States Bankruptcy Code provides the debtor an opportunity to pay back their creditors over a period of time of up to five years. This process is completely supervised by the court. Your attorney will ensure that your interests will be prot...
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A Note About Personal Bankruptcy
by Reliefloans.com. Actually, bankruptcy allows you to make a fresh start. Generally, it takes only a small amount of money, a careful evaluation of your assets and your liabilities. In many cases, a lawyer is not necessary.If you have very few assets, mountains of debt...
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Is there an alternative to bankruptcy because of divorce?
by Susan Oriely. One of the often-unintended consequences of divorce is the burdensome debt that was formerly handled by two, now to be handled by one. Creditors hold both spouses liable for debt incurred during the marriage. Any agreement between the spouses regardi...
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Before Bankruptcy
by Uplander. Understand bankruptcy before you need it and you may be able to avoid it. You may also be more confident about getting through it if you need to. Cost/Benefit analysis is thought of as a Business Procedure, but you are in the business of remaining s...
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Finding Cheap Bankruptcy Lawyers For You
by Arsen1. In this age of living on credit cards it is not surprising to find that more and more people are filing for bankruptcy. In order to prevent the misuse of bankruptcy claim a new law called the Bankruptcy Abuse and Consumer Protection Act, was passed i...
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Are You Considering Bankruptcy? Wait!
by Dustmagic. Filing for bankruptcy is an extreme move and definitely not a fast fix. It's an extended, painful proceeding with a major impact on your social standing and you're unlikely to be able to get any kind of credit for up to ten years afterwards.Even so b...
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Locating Good Bankruptcy Lawyers
by Blog_king. Bankruptcy sucks! Anyone that has gone through bankruptcy knows what a painful process it can be. The emotional strain can be very stressful to say the very least. And it is something that can happen to just about anyone. The sad thing is that most p...
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Understanding The Different Types Of Bankruptcy
by Chrissafin. If you are an individual in the US you can apply for two different types of bankruptcy. The first is chapter 7 which can totally eliminate all of the individual's debts. The second is chapter 13; with this option the individual's debts will be paid...
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Debt Settlement Or Consolidation for Bankruptcy
by Johnporter. If you are looking for a way out from your situation nearing a disastrous bankruptcy then you should immediately take up a debt consolidation service. Settling your debts can also help you avoid the bankruptcy. The settlement offer should involve the...
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Chapter 9 Bankruptcy - The Basics
by Josephthen. I don't know a thing about you but I'll bet that you may want to know more about bankruptcy. So, what is bankruptcy? To start you off, let me tell you that bankruptcy is a formal proceeding that allows an individual or business to get their financial...
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Considering Chapter 13 Bankruptcy?
by Josephthen. I don't know a thing about you but I'll bet that you don't know much about bankruptcy laws. Well, if you haven't known it yet, Chapter 13 is one of the many types of bankruptcy. Chapter 13 however, is no available for any situations. It is only avail...
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Which Is Better - Chapter 7 Or Chapter 13 Bankruptcy
by Adrianfletcher. For anyone that has financial difficulties, one option is to file for bankruptcy. You should never enter into this lightly, but if you do decide that this is the best option then learn as much as you can beforehand. This article will cover the two op...
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A Review of Chapter 11 Bankruptcy
by Jayanderson. Bankruptcy in itself is a federal court process that has been designed to assist both consumers and businesses to eradicate debt or repay it under the restraints or protection of the Bankruptcy courts. These fall into two categories "re-organizations...
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Why You Should Use A Bankruptcy Lawyer
by Jayanderson. A bankruptcy lawyer can help if you think you may be close to financial disaster. Sadly, there are many people who deal with many financial obstacles. Medical bills can crop up, you can lose your job, and many little things can combine to lead you do...
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Beginning The Bankruptcy Process With A Petition
by Legal Helpers. For those in debt that surpasses their ability to pay, bankruptcy can be a solution to regain financial freedom. Debts can be discharged through the filing of bankruptcy. Under a specific chapter of the bankruptcy code most debts can be absolved whil...
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Avoiding Bankruptcy When Possible
by Jayanderson. When you are in the unfortunate position of having way too much month left at the end of the money, most consumers start to think in terms of bankruptcy. Based on common wisdom, many people assume that bankruptcy is their only alternative and that is...
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