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Bankruptcy : Business & Finance
How to Get Out of Consumer Debt Without Taking Bankruptcy
Bankruptcy is an option if you cannot handle your bills any other way, but you may be able to handle your consumer debts without that drastic step. Even though bankruptcy either cancels your debts or provides an affordable repayment arrangement, it also brings down your credit score and appears on y
Can Collection Agencies Garnish Your Wages If You Are Self-Employed?
Collection agencies can sue self-employed individuals for unpaid debts but may find it difficult to collect on the debt through wage garnishments because self-employed people do not earn regular wages. However, if you are self-employed, collection agencies can garnish your income through other metho
What Assets Can I Keep in Chapter 7 Bankruptcy in Oregon?
Chapter 7 bankruptcy allows debtors to give up non-exempt assets to pay down debt in exchange for the court discharging remaining debts. The federal government sets asset exemption amounts for many state bankruptcy courts. However, Oregon uses its own rules and limits to determine which...
Chapter 7 Vs Chapter 13 Bankruptcy - What Is the Difference?
Chapter 7 and Chapter 13 are the two most common types of bankruptcy debt relief. This article provides a discussion of the major differences between Chapter 7 and Chapter 13.
How Can I Consolidate My Debts Without Paying Fees?
Debt consolidation means going from having many creditors to having one. This way, you have just one payment to make each month instead of several. Many people find this makes keeping track of their bills easier. Depending on how you consolidate your debt, you may be able to reduce the total amount
Getting To Know The Bankruptcy Process
Filing for bankruptcy is one debt relief option that can bring immediate relief from creditors, stop wage garnishment, and even protect against the threat of repossession or foreclosure. While it may seem overwhelming to consider bankruptcy as the option for you, getting to know the process can brin
Why Collect Silver And Gold Numismatic Coins?
Collecting is a very enjoyable hobby. Every once in a while collecting can be very profitable say in the case of a rare stamp collection, paintings, baseball cards.
5 Reasons to Go Bankrupt and Get a Fresh Start
Need to file bankruptcy? There are many reasons why someone decides to file bankruptcy. Most feel it is the best option for their family or for themselves. Filing bankruptcy is available to everyone and no one should feel ashamed or embarrassed about exercising that right. Here are some of the top r
Steps to Filing Chapter 7 Bankruptcy Successfully
Despite the fact that a Chapter 7 bankruptcy can significantly drop your credit score and should be the choice of last resort, for those who use it wisely, it can provide a valuable fresh start. A Chapter 7 bankruptcy, also known as a straight or liquidation bankruptcy essentially eliminates most or
How to Determine Dividend Policy & Capital Structure
Companies can obtain capital by issuing bonds and selling equity shares in the company. The mixture of bonds and equity shares is referred to as a firm's capital structure. Bondholders receive compensation for the use of funds with interest and shareholders receive compensation through share price a
How to Handle an Unexpected Paycheck Garnishment
When a money judgment is entered against you in a court of law, the creditor may collect the debt from your property. In most states, this right of collection extends to your wages. Usually, to collect on a judgment out of your wages, the creditor must initiate a wage garnishment proceeding by filin
How to Eliminate Consumer Debt
You may possess at least one credit card, and having it is useful in an emergency. In fact, you have to use credit in order to build credit history. However, sometimes having a credit card becomes dangerous and people without self control may find themselves deep in debt. Excessive consumer debt may
Bankruptcy & Pension Withdrawal
Pensions are an important retirement savings, which is funded by your employer. However, a bankruptcy could cause you or your employer to lose many assets. Chapter 7 bankruptcy is a liquidation of assets to repay creditors, while a Chapter 13 bankruptcy is a reorganization of debt. Make sure you und
The Legal Implications of Filing a Personal Bankruptcy
If you are planning to file a personal bankruptcy to revamp your financial encumbrances, make sure you are well aware of all the legal implications involved in the process. Once filed, a personal bankruptcy form discharges all your debts to the creditors and helps you make a new beginning once again
Bankruptcy Can Be Avoided - Find Out How
Bankruptcy is an undesirable last resort for escaping from serious debt. Before making a rash decision to declare bankruptcy, which will be made a part of your credit history, think about using some other methods to stay out of bankruptcy.Make a budget.
Are You Considering Bankruptcy? - Why There's Better Debt Relief Options
Consumers are reluctant to file for bankruptcy as a way of settling debts. It might look like an easy way out but the disadvantages outweigh the benefits by far. More and more debtors are searching for alternatives to this, one of them being debt relief.
Christian Ways to Deal With Family Financial Hardship
Christians look to the Bible for inspiration even in times of financial difficulty.Jupiterimages/Brand X Pictures/Getty ImagesFinancial hardship is a condition that can strike any family. Whether it be debt or job loss that brings on the financial hardship, how you respond to a financial...
Recession Causes Bankruptcy Boom
According to a report released by the National Bankruptcy Research Center, personal bankruptcy filings are up 34 percent in January 2009 as compared to January 2008. Compared to the previous month, December 2008, filings were up 4.5 percent.
What Is a Summons for Debt?
Your creditors have the right to sue you for unpaid bills, but they must notify you when they do so. A summons is your notification of the lawsuit. You will not always be sued for delinquent accounts, and lenders' lawsuit rights vary by state, but a summons means that a case was actually filed and y