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Life After Chapter 13

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Chapter 13 is a court-mandated debt payment plan, which is initiated when a person files for bankruptcy. Monies are distributed and repaid to creditors, typically at an interest-free rate. Debts may also be entirely eliminated. Bankruptcy remains on an individual's credit report for up to 10 year

Is Bankruptcy Worse Than Foreclosure For Your Credit Score?

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For anyone who might be thinking of whether to file personal bankruptcy, it's a good idea to think of the long term impact of bankruptcy versus any other way of fixing your credit problem. One of the big issues facing many people today is the threat of foreclosure on their home, compared to ban

Bankruptcy - The Truth Behind it and the Benefits of a Debt Settlement

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Bankruptcy is the ultimate weapon in your armory for debt relief. You may think so but it may not be true entirely. Bankruptcy is a legal procedure to help people in financial difficulties to discharge their debts. However it comes with many riders. So it is better to understand the deep secrets of

Payment Plan Laws

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Payment plans may cost you more.fistful of dollars. image by Greg Carpenter from Fotolia.comDebt management companies that offer payment plans are now subject to tighter restrictions and regulations. The new rules go into effect on October 27, 2010, and place tighter controls on up-front...

Paying Off Big Debt In Small Years

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When it comes to debt relief there isn't just a one-sized-fits-all option. Everyone's financial situation is different and may require different strategies. Therefore, educating yourself about your options is the best place to start.

What Happens When You File for Bankruptcy

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The concept of bankruptcy is overwhelming. Many who are considering bankruptcy are so focused on the court appearance that they let their anxiety get the best of them and do not realize that the courtroom ...

Which Loans to Pay Off First?

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When you're tired of being in debt and you're ready to develop a serious plan to pay it off once and for all, you have several options at your disposal. Some financial experts prefer the snowball method and some prefer the avalanche, but either way, it's still snow, and you'll be debt-free at the en

How Much to Tip a Hairdresser for the Holiday?

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Tipping during the holidays can become a tough concept. CNN quoted Peter Post of the Emily Post Institute, explaining, "You tip the people who perform services for you year-round, who are there for you when you need them and whom you have a valuable relationship with." Hairdressers fall

Alternatives to Bankruptcy - Which is More Effective?

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Bankruptcy should be considered only when the borrower is unable to return the money that he owes to different lenders. A lender may compel the borrower to sell his property, shares or any other assets to clear off debts and to repay the entire due loan payments to the lender. File for bankruptcy in

How a Landlord Gets out of a Lease

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There are several reasons that a landlord of a rental property might want to break a lease with the tenant. Perhaps, for financial reasons, the landlord needs to put the property up for sale instead of continuing to lease the property. Maybe after living somewhere else for awhile, he must...

Chapter 12 Bankruptcy - Important Facts

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Coming to think of it, Chapter 7 and Chapter 13 are two popular chapters when individuals desire to file for bankruptcy. In this backdrop, you would find that Chapter 12 Bankruptcy is aimed to provide assistance to family farmers who face bankruptcy. In essence, this chapter too seems to be tailored

Filing Bankruptcy Process - Top 3 Things to Consider

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Filing for bankruptcy is not a very easy process. Those who are faced with a fear of overgrowing debts, and wish to file for bankruptcy might not have a clue about the recourse to the process. The first course of action is to file a bankruptcy paper in the bankruptcy court.

Southern California Scholarships

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Southern California's warm climate, access to beaches, mountains, recreational opportunities and a high standard of living have lured generations to the west coast. If you want to pursue your education in southern California, various scholarships and grants can help finance some of the costs at pub

Identity Thieves Could File Bankruptcy In Your Name!

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The concept of identity theft that somebody can steal your mastercard and misuse it has become too previous now.Identity thieves these days open up new credits for you and use it absolutely without creating any repayment.Currently there's yet another development in this fraud that can happen -

What Requirements To File Bankruptcy

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Bankruptcy is the right of a person to have the chance for a fresh start of his financial life.There are two most common types of bankruptcy available today that people may file.You can either file for a chapter 7 or chapter 13.