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  • Improve Your Credit Score through Bankruptcy Car Loan  By : williereen1
    If you are aware of the steps you need to re-establish your credit, getting a car loan after bankruptcy can help you restore your damaged credit. You can always apply online for a bad bankruptcy car credit loan today and repairing your credit score at ease.
  • Five Questions to Ask before Hiring a Bankruptcy Attorney  By : MGodbey
    Bankruptcy can be a scary process, and it is vital to make sure you have the correct bankruptcy attorney on your side. The following questions will help you find the right person to represent you.
  • Can I Get a Car Loans After Filing Bankruptcy?  By :
    Getting over a bankruptcy could be a daunting task for debtors who have been discharged for their debts. This is particularly true considering the long standing effect a bankruptcy could have on your credit scores. Lenders too have the perception of such individuals to be high risk borrowers and hence seldom grant any financial assistance to bankrupt people. The first and foremost step in such a case is to start repairing your badly bruised credit rating.
  • Choosing The Correct Foreclosure Option To File Under  By : David Hoyer
    There who choose to file bankruptcy for whatever reason, you will discover that there are various types that you can file. For an individual, Chapter 7 is, by far, the most popular filing in the U.S.
  • The Myths of Bankruptcy  By : Brown.Walker
    Many people demonize bankruptcy by putting out misleading myths about the process.
  • What Happens If I Don’t Make My Chapter 13 Payment?  By : Brown.Walker
    The effects of the new bankruptcy law make the process of filing for bankruptcy more complex, requiring attorneys to specialize in bankruptcy law.
  • Filing For Individual Bankruptcy  By : David Hoyer
    Filing for individual bankruptcy is one of the worst financial events that can happen to someone. In our society, it brings embarrassment and a stigma that can literally destroy the psyche of some. But, sometimes, circumstances leave you with no other choice than to file for bankruptcy.
  • Handling Out of Control Personal Debt  By : David Hoyer
    Getting a handle on debt is hard to do under normal circumstances. But, when you've just lost a job it becomes almost impossible.
  • Bankruptcy Property Exemptions  By : Brown.Walker
    Once a bankruptcy case is completed, a debtor will still need basic possessions and assets to move their life forward. Fortunately, the Bankruptcy Code recognizes these basic needs and provides a variety of property exemptions for debtors.
  • Business bankruptcy tips  By : Sam Allcock
    Closing down businesses can be heart breaking for the entrepreneurs who have given their blood and sweat for building them. Closing down because of the debt problems can be particularly intolerable. More than the financial problems, emotional problems will haunt the entrepreneurs.
  • Saving your company through business bankruptcy  By : Sam Allcock
    Business bankruptcy can be defined as a situation in which an organsation has more liabilities than the assets and becomes incapable of meeting the financial obligations. All types of business can file for bankruptcy.
  • Foreclosure a Type of Local Wealth Destruction  By : Nick Adama
    Mortgage giant Freddie Mac has estimated that the average cost to a lender of foreclosing on a property is close to $60,000, with other estimates placing the total cost to the homeowner, lender, surrounding community, and local government close to $80,000.
  • Health Bills Top Cause Of Bankruptcy | Don't Be Left With no Insurance  By : gary thomas
    The results of the first-ever national random-sample survey of bankruptcy filers, conducted by researchers at Cambridge Hospital and Harvard Health School, Harvard Law School and Ohio University, show so as to in 2007, 60% of all bankruptcies in the United States were driven by sickness and connected medical bills. Moreover, the share of bankruptcies attributable to health woes over the past few years has been on the upswing.
  • Is Bankruptcy Right For You  By : Nicky Bullimore
    Knowing the best solution when you have a debt problem can be difficult if you have never been in a debt situation before. There are a number of options available which will depend on your individual circumstances.
  • How Bankruptcy Assistants Work  By : Todd Lange
    More and more Americans are finding themselves neck-deep in debt, and as a result, more of them are filing and declaring bankruptcy. Lawyers are finding big business in bankruptcy laws and handling bankruptcy cases. But they are not the only ones finding money in helping people recover their losses and start anew. There is a new and emerging trend of bankruptcy assistance. There are actually other individuals and companies that know of people's cases other than the court and ...
  • A Look At Personal Bankruptcy & What To Expect  By : Susan Green
    One of the most difficult decisions that you can face is whether or not to file for bankruptcy. For individuals, there are basically two types of personal bankruptcy, which includes Chapter 7 and Chapter 13. Designed to give the filer a fresh start in life by wiping out certain debts, a Chapter 7 bankruptcy will rid the filer of credit card and other unsecured debt. A chapter 13 bankruptcy, on the other hand, is a court-approved payment plan in which the filer is required to ...
  • Alternatives To Filing Bankruptcy?  By : Oswald H.Seifert
    There is just no easy way to get out of debt, you have to face up to the consequences. A bankruptcy is not always the answer, as the effects are long lasting. There are four ways to handle debts that are out of control, listed in best to worst in regards to the effect it will have on your credit:

    If your credit isn't in terrible shape, can you reduce your other expenses, even if it means making hard choices or just change your lifestyle to fit your income? Some ways to do ...
  • Unwrapping Bankruptcy  By : William Teleo
    Bankruptcy is a choice many consider when faced with unmanageable multiple debts. But finance experts agree that declaring oneself bankrupt should be an indebted individual's last resort to meet his dues. It may free a person's mind from the pressure of paying his debts but it can also seriously damage the person's morale and credit history for a long time. Aside from this, people who declared themselves bankrupt are often met with hostility by the people around them. But as ...
  • Filing For Bankruptcy Will Be A Thing Of The Past  By : Robert Michael
    This year President Bush signed a bill to change the bankruptcy law. This will go into effect this October of 2005. The new bankruptcy law will make it more difficult to file for bankruptcy. This may be bad news to individuals who are drowning in debt. On the other hand it is good news to business and individuals that work very hard to maintain good credit and not suffer from profit loss.

    When the new bankruptcy law goes into effect it will be harder for anyone to file for...
  • Loan After Bankruptcy: Steps To Take Before You Apply  By : R. Lawrence Anderson
    When it comes to a loan after bankruptcy, here are some steps you can take before applying which could increase your chances of qualifying.

    First, work on increasing your credit score. This is very important, because most lenders will review your credit report when deciding whether or not to extend you a loan after bankruptcy. This is true
    whether you are talking about a car loan after bankruptcy, a conventional home loan after bankruptcy, or a personal loan after bankrup...
  • Top Factors Influencing Bankruptcy  By : Steffen A.Hall
    The term Bankruptcy is derived from the Italian word banca rotta, meaning broken bench. It is a federal court process designed to help consumers and businesses eliminate their debts or repay them under the protection of the bankruptcy court. However, there are specialized units for bankruptcy in each federal district court. Under the Federal Bankruptcy Act, these district courts take care of the bankruptcy filings and other functional procedures.

    Factors Influencing Bankru...
  • Why You Must Avoid Bankruptcy  By : Melvin H.Gill
    Bankruptcy does more damage to you and the people around you than you think! In all cases, it is best to avoid bankruptcy.

    Bankruptcy seems to be the most convenient and easy way out during times of financial trouble to many. And often people are not ready to go in for the phrase: Avoid Bankruptcy. But majority of the debtors are not aware of two very important things:

    1. Bankruptcy is not a wise solution for all debtors.
    2. Bankruptcy is followed by harmful consequenc...
  • Best Way To Avoid Bankruptcy  By : Oswald H.Seifert
    If you are now in financial difficulty, and you have made the right choice in avoiding bankruptcy, then your next step is to manage your debt in a way that you are not Forced to file bankruptcy. And how exactly do you do that? The answer is, get professional help. Consult a debt consolidation company and let them help you sort out your financial issues.

    Why Debt Consolidation program is the ideal choice. You can avoid bankruptcy by choosing debt consolidation, as it makes ...
  • Why Bankruptcy May Not Always Be The Best Option When In Trouble  By : Rudolf Freidlander
    It's a sickening feeling when your debts start to stack up, your marketing strategy is failing, and it doesn't look like you'll ever be profitable. Your family is getting stressed, your business can't pay its bills, and customers are starting to make angry phone calls asking why the things they paid for aren't happening.

    At this point, many people feel ready to throw in the towel. I'm here to tell you why you shouldn't be one of those people.

    A Proverb.

    There's an ol...
  • Alternatives To Bankruptcy  By : Debbie Dragon
    Many people want to file bankruptcy the moment they realize they are in over their heads, and they feel like there is nothing they can do to get out of debt. Bankruptcy however, should be used as an absolute last resort- after all other options have been thoroughly researched and exhausted.

    Before making the decision to file bankruptcy, consider each of the following alternatives:

    • Refinancing
    • Debt Consolidation
    • Debt Settlement
    • Debt Negotiation

    If after you...
  • Financial Options After One Has Declared Bankruptcy  By : Central Mortgages
    Bankruptcy is a financial option for those individuals whose debt has run away from them. It is not that hard to experience debt issues and individuals have had to declare bankruptcy in order to dig themselves out of the surmounting debt. The term bankruptcy has negative connotations however this should not be the case. An individual who declares bankruptcy is taking that big step in order to get their finances under control and wipe the slate clean. Individuals may be hesita...
  • Bankrupt! But Still Receiving Credit Card Offers  By : Joseph Kenny
    Those who have bad credit or who have recently filed for bankruptcy may be surprised to find that they are still receiving numerous credit card offers. This has become a well known issue, and it is apparent that banks either don't know or don't care that the people they are sending offers to already have bad credit. In most cases, banks and credit card companies don't take the time to research people they send offers to.

    While most credit card companies are partial to cons...
  • Bankruptcy Alternatives Explained  By : Tim Renolds
    There are many steps you can take in efforts to improve your credit, eliminate your debt, and avoid bankruptcy. Which should be the ultimate goal of all people, while bankruptcy is an excellent method of helping you clear up your debt, it should only be used as a last resort. Bankruptcy remains on your credit for up to ten years and it could result in the inability to retain any other type of credit until it has been removed or several years has passed.

    On thing that a deb...
  • Bankruptcy Explained  By : Tim Renolds
    Whether or not we want it to or mean it to, often times our debt can become out of hand, to the point that we can no longer control it. It does not occur because we expect it, it occurs because we live in an age where credit is everything. In fact, many people do not even accept cash for a variety of things, for example, online shopping. All online shopping opportunities takes credit cards only. We will use credit for so many different items, that before we know it we begin t...
  • Bankruptcy Information  By : Joseph Kenny
    Bankruptcy is a situation in which someone who owes money will seek relief from their debts by going to court. Though bankruptcy can be good in some situations, it may not always be necessary. Just because you are in a financial strain does not mean you should immediately file for bankruptcy. There are some things you will want to take into consideration first.

    Will I or Won’t I?

    There is no easy answer to whether or not you should file for bankruptcy. Before making a d...
  • Surviving Bankruptcy: Qualifying For Credit And Loans  By : R. Lawrence Anderson
    When many people think about surviving bankruptcy, they are usually worried about whether or not they will be able to qualify for credit and loans in the future.

    So how does one go about surviving bankruptcy? First, you need to put together a game plan - then focus on working that plan.

    For example, let's say that qualifying for credit and loans is one of your concerns when it comes to surviving bankruptcy - and by the way, it's a valid concern.

    So what would your "s...
  • Help After Bankruptcy: You Just Need To Know Where To Look  By : R. Lawrence Anderson
    Help after bankruptcy is out there if you know where to look. In this article I am going to talk about help after bankruptcy when it comes to rebuilding your credit.

    Let's start by looking at some of the free help available after bankruptcy when it comes to rebuilding your credit. There are some excellent online resources available that show you how to rebuild your credit history - and, of course, some you want to stay away from.

    What are some good credit rebuilding res...
  • Is Life After Bankruptcy That Bad?  By : Clare Mactaggart
    It seems that some people do not recognize that dispite some unpleasant aftereffects, bankruptcy is truly a “fresh start.”

    Instead of being satisfied with the benefits they receive some people remain unhappy.

    Here is a letter I received:

    “Why does it take attorney's six or more weeks to discharge a chapter 13?

    Why do apartment leasers hold a bankruptcy against you when I don't see how you could add apartment rent onto your bankruptcy?

    If life is so miserable...
  • Mortgage Loans After Bankruptcy - Ways To Boost Your Fico Score  By : Carrie Reeder
    After a bankruptcy is discharged, many lenders will offer you a home loan. In most cases, these lenders do not require new lines of credit or a high credit rating. Buying a home with good or fair credit has its advantages. These individuals likely obtain better mortgage rates and qualify for a range of home loans. Here are a few tips on ways to raise your credit score before applying for a mortgage.

    Pay Creditors on Time

    The habit you adopt for paying creditors can have...
  • Bankruptcy And Buying A Home – Types Of Bad Credit Mortgage Loans  By : Carrie Reeder
    Buying a home after a bankruptcy doesn’t limit the types of mortgage loans you can qualify for. If anything, you have more loan options with subprime lenders. However, depending on how soon your bankruptcy was resolved, you may find that you pay higher rates and down payments to secure your home financing.

    Available Bad Credit Home Loans

    In recent years, subprime lenders have come up with a number of new financing terms for home loans. So even with adverse credit, you c...
  • One Step Closer To Bankruptcy  By : Scott Bianchi
    I have written a couple articles so far about the downfall of GM and Ford, although I have mostly focused on GM. GM announced today that they are going to offer some 113,000 hourly employees a severance package in the six figure range to leave and waive their rights to their healthcare benefits. Here is the link to the article making the announcement:,2933,188732,00.html.

    If I were in the position of some of these workers I would have a diffi...
  • Bankruptcy – The Effects Of Bad Credit  By : Joseph Kenny
    There was a time when bankruptcy was probably the biggest stigma that could be attached to anyone in business. Thankfully those days are long gone. Today, bankruptcies are fast, efficient and frequent court procedures designed not as a punishment for the creditor, but as a means of drawing a line under un-payable debts and allowing everyone to move on. While most people would not exactly like to be made bankrupt, in most cases where it becomes necessary, it is seen as a welco...
  • It May Not Be Too Late To Avoid Bankruptcy  By : Mark Lambie
    Bankruptcy used to be seen as the absolute final straw if you were in financial difficulty. People would do everything in their power to avoid having to go down this route for many reasons – the fact it is a long, difficult and upsetting process for one and the social implications brought about by being declared bankrupt for two.

    As credit is made available to more people in more ways and by more lenders, the amount of UK debt is increasing to a staggeringly frightening am...
  • After Filing Bankruptcy: Qualifying For Credit And Loans  By : R. Lawrence Anderson
    After filing bankruptcy, is it difficult to qualify for credit and loans?

    While much will depend on your specific situation (credit score, income, age of bankruptcy, etc.), it doesn't have to be as difficult as some people make it.

    In After Bankruptcy Credit Solutions, I detail a three step process readers can use after filing bankruptcy to increase their chances of credit approval.

    There's not nearly enough room to cover each one in detail here, so I'll summarize ea...
  • Keeping Your Business Out Of Bankruptcy  By : Brandon C. Hall
    Business debt is the easiest debt to get into and the most difficult to get out of. Debt consolidation is an easy, effective way of making sure that a business has its cash flow available at a time when it needs it. There are many struggling businesses today that have borrowed large sums of money from lending institutions but have no way to pay them back. This happens either because of unprofitable operations, or because the company has grown more quickly than its operating c...
  • Reasons We File For Bankruptcy  By : Brandon Hall
    Bankruptcy is a legal term that all of us have heard over and over again. We usually think that a person has become poor when they are bankrupt however that is usually not even close to the case. We have this pre-conceived notion that in order for us to be bankrupt, we are irresponsible and lazy. In the real world, it can be one of the most responsible actions that a person can choose to take when it is really necessary. It is not an easy decision for most people to make, but...
  • Bankruptcy-Chapter 13 Or Chapter 7?  By : J Schipper
    The main purpose of bankruptcy laws is to give people hopelessly overburdened with debt a financial fresh start. Bankruptcy filings are public records. However, under normal circumstances, no one will know about the bankruptcy. Credit Bureaus will maintain a record of the bankruptcy and it will remain on the credit record for 10 years.

    The most common reasons for bankruptcy filings are unemployment, large medical expenses; seriously overextended credit; marital problems, a...
  • Bankruptcy Lawyer: Your Final Solution When Running Out Of Options  By : Robert Thatcher
    Before rushing to a lawyer to assist you in filing for bankruptcy, you have to make sure what is bankruptcy and what is not. Only then will you have to find a bankruptcy lawyer that you can work with in filing your case. Many people rush to file for bankruptcy thinking that it will solve their financial problems. The opposite is often true.

    Declaring your business to be legally bankrupt, only mean that you have done everything you could and there is no way for recovery. I...

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