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Debt Settlement Or Bankruptcy: Which Option Is Better?

Debt settlement and bankruptcy are both viable options to eliminate debt. However, experts suggest debt settlement is less detrimental to your credit than personal bankruptcy. In most cases, debt settlement remains on your credit history for seven years, while bankruptcy can haunt you for an entire decade.

Engaging in debt settlement generally requires the assistance of a professional debt settlement company. These organizations are usually well-connected within the credit industry and have the ability to negotiate with lenders and credit card companies.

Debt settlement can significantly reduce outstanding credit card and unsecured loan balances. It is not uncommon for professional organizations to slash debts by up to 60-percent. However, debtors do not receive the full reduction.

Debt settlement companies charge a fee for their services. This usually consists of a start-up fee and monthly payments which last until negotiated debts are paid in full. Fees typically range from 10- to 40-percent of the overall debt.

For example, if a borrower owes $100,000, the debt settlement company bases their fee on that amount. Now, let’s say the organization is able to negotiate the amount of payable debt down to $40,000 and charge 20-percent in fees.

The debtor would be required to pay the debt settlement company $20,000 to reduce their debt by $60,000. Overall, they would obtain a savings of $40,000.

Once debt settlement occurs, the borrower must pay creditors a lump sum of cash or adhere to a repayment plan. Once the negotiated amount is paid in full; creditor’s write-off the remaining balance.

In most cases, debt settlement cannot be used to reduce balances on mortgage notes, secured notes, tax liens, or delinquent child support. Expert Bankruptcy Lawyers in San Diego Chang & Diamond will provide full support and attention to the case of the person. All the requirement information will be provided to get the debt money back.

Debt settlement can be used to negotiate credit cards, unsecured personal loans, student loans, medical bills, repossessions, and collection accounts.

It is important to understand the Internal Revenue Service may assess taxes on the negotiated debt amount. Using the example above, the IRS could potentially assess capital gains tax on the $60,000 of reduced debt. Therefore, it is imperative to consult with a tax professional before entering into a debt settlement contract.

Debt settlement does adversely affect your credit rating, but it not as detrimental as personal bankruptcy. In actuality, the impact debt settlement has on your credit rating depends on your current credit status. If you possess a relatively high credit rating, debt settlement will have a more negative impact than if you have lousy credit.

When seeking out debt settlement companies, it is crucial to conduct research and ensure the organization is in good standing. Check with the Better Business Bureau and conduct research online to determine if the debt settlement company is in good standing or if numerous complaints have been filed. Unfortunately, there are many scam artists posing as debt settlement agents. You do not want to place your personal information in the hands of a con artist!

Once a professional debt settlement company is located, debtors must undergo the process of providing details about each account they want to negotiate. It is important to realize creditors are not obligated to negotiate debts. Hiring a reputable agency with a proven track record can improve your chances of successful negotiation.

Typically, debt settlement repayment plans last one to three years, depending on the amount of debt owed. Most plans require the debtor to contribute a considerable amount of disposable income toward repayment of debts. If debtors default on their plan, creditors can demand payment in full or dismiss negotiations and reinstate the full amount of the loan.

Before making a final decision, take time to review all debt elimination options. These could include debt consolidation, credit counseling and budgeting.

Free Love Horoscope

Free love horoscopes are used every day by people who believe that horoscopes can help them in their love life and encounters with other people. Horoscopes are different from other fortune telling methods such as tarot card readings or crystal balls in that they use astrology more than other methods to predict future events. Horoscopes deal with the aligning of the planets and stars. Historians have noted that since early times people have turned to the heavens to for guidance in living their lives and to warn them of dangerous times. People who use free love horoscopes are no different except that they use this ancient form of guidance to determine if someone is right for them or if they should avoid a certain relationship because of what the stars and planets are saying.

People who use free love horoscopes might be of the believe that certain affairs in their lives have been preordained. By looking at the way the sun and moon and planets and stars align themselves they believe that relationships that are not harmonious can be avoided. A persons birthday and the way the heavenly bodies where aligned at that point in time can determine certain things about that person and what they should do and relationships and situations that they should avoid. Free love horoscopes are consulted by people who question whether becoming romantically involved with another person would be a wise decision. . If the birth dates of the people involved do not suggest a harmonious relationship individuals who use free love horoscopes may be inclined not to proceed any farther in the relationship.

An individual who consults a free love horoscope will use the different parts of the Zodiac. There are twelve different signs to the Zodiac which are based upon different constellations that are dominate in the night sky. There are both good and bad qualities associated with each of these twelve different constellations. A person who consults a free love horoscope will determine under what constellation their birthday falls. They will also do the same for the person with whom they are considering developing a relationship. Most of these will be romantic relationships but some will consist of only friendship. If the signs point to a successful relationship or suggest a kindred spirit with another person the follower of the free love horoscope will feel much better about pursuing that relationship with another. The relation of the father and son will become strong with a check at the abraj alyawm site. A complete information will be provided at the love and career of the person. 

If you are a person who believes in horoscopes finding a free love horoscope is as simple as using one of the Internet search engines to find what you are looking for. Type in the phrase “free love horoscope” and you will find many sites offering to guide you down the path to a successful relationship.

6 Simple Ways for Marketing Your Business During a Recession

The economic downtrend during a recession doesn’t mean it will drag your business down. A recession is actually a right period for business owners to tightly monitor their marketing activities or rethink about business strategies changing and optimize business efficiency. When the economy is turning down, as a business man, you should focus on survival first, not plan for growth. Since there are changing in customer behavior that they tend to evaluate their purchasing priorities and more emphasize to the value of the product; it’s also the right time for you to rebuild your product’s value.

The general reaction during recession is to cut all types of expenses. Instead of being panic by reducing all spending, you should think in a way that the economic recession gives the opportunity to explore new marketing strategies. Since the aims are to retain existing customers and to gain new customers; a progressive marketing of your most valued products in a less cost is a must to do during this economic crisis. Looking for a professional San Diego SEO Company? Then a person can choose the right article for the marketing strategies for increasing the rankings at the site. 

Here are some marketing strategies that can be applied during recession:

  1. Invest in brand of most valued product or service. Regardless of recession, to attract lots of customers, a business owner must build the brand of product or service more by spreading sales and marketing campaigns progressively. You may cut other costs, but advertising cost should not be included. Maintaining the sales rate is a chance of survival.
  1. Website marketing. You can promote your business online using lots of free hosting web service. It is good to make a marketing website that functions as a means to keep the existing customer base. There should a feature to maintain connections with present customers since customers are reluctant to deal with unknown product or service suppliers. The web should also contain all business information clearly without overselling. Avoid the unwanted information or excessive sales offers that may annoy customers.
  1. Internet marketing tools. You can make the best use of e-mail marketing. With free cost, you are able to reach your targeted customers list by sending regularly email which contains newsletter on your updated business information. The benefit that you get is providing your existing customers with updated business information and spreading the same information to attain new targeted customers.
  1. Verbal advertising. Don’t underestimate the power of verbal advertising; especially in your local area. Be more active in every community event in your area such as charity event, Independence Day celebration, etc. The main objective of verbal advertising is a significant increasing in awareness of your business existence and positive images. With a simple verbal advertising, you can grasp the aim in just a low cost.
  1. Take a benefit of a media. Usually there is business press release section which presented on radio, printed and online media. If there is interesting business event happened that is proper to be publicized, you can publish a press release using each media. Published press release on different kinds of media could be an effective marketing tool in less expensive way to increase public consciousness during recession.

  1. Build a network of partnership. You may not be able to survive recession on your own. Create a network of trust between other businesses of the similar product line and face the economic recession together. Before applying this strategy, you had to build solid and strong product’s brand with niche market first. Otherwise, instead of increasing in business existence, your business will get drowned among other business.

Water Filter- Select By Type For Convenience

The three basic necessities that are essential for survival are food, air and water and while it is possible to survive without the first one for a longer period of time (to a certain extent), it is next to impossible to do so without the latter two, for they constitute our very being.

Almost 70% of the human body is made up of water, yes you read it right. Our body constitutes the 5 elements of nature: fire, water, air, ether and earth and the remaining elements make up the 30%.

This may seem quite astonishing but it is a true fact and therefore, we are going to discuss more about water and how it is an important part of our life that needs to be consumed each day.

Welcome Change

We are living on planet earth and just like the human body, nearly 75% of the earth is covered with water, which itself is enough to gauge the necessity of water in our daily lives.

But the problem is that just like air and food, water also is now full of dangerous pollutants and harmful chemicals and it is akin to committing suicide to drink water out of a tap these days.

Therefore, you will find that almost every household today has a water filter or purifier installed in their house and it is not just one country but almost the entire world has done so because water purifiers kill all the bacteria inside it and preserve the minerals, thereby making it safe to drink.

Water filters and purifiers are what we can call a welcome change in the current scenario which has made the life of mankind a much easier jaunt than it was a couple of decades back where people had no choice but to stand in line for hours together to take water from taps in the nearest vicinity.

Home Test

However installing a water filter alone is not enough as there are other necessary steps that need to be taken such as tests to make sure that the water is drinkable for everyone in the house.

As you would know that filters also get water from the tap itself, which comes from ground water and it is sure to contain harmful chemicals and microorganisms like bacteria, pesticides, iron, lead, copper, nitrites and, the most dangerous of all, chlorine, as it does not kill but has adverse side effects that last for a lifetime, especially to young children, which is considered worse than death.

The pH level of water determines whether it is safe to consume or not along with the hardness factor like for example if you drink water from a well, then it becomes necessary to test it once or twice every few months either by sending a few samples to the local lab or at home itself.

Choosing a Filter Type

Once the necessary facts mentioned above are ascertained, now you need to select the best filter in the market which can identify and remove all the unwanted things in the water.

You can choose your filter through the following points:

  • Identify what all impurities are there in the water and study the filtration system by getting a signed letter from the water department to do so
  • Everyone is aware of the water quality in their area or colony and they can choose to buy a water filter based on it that can remove all the harmful substances in it right from brita slim to any affordable brand
  • Finally, you determine where the filter has to be installed in the house, most likely the kitchen, and as there are filters of various sizes, always choose the right location based on it

Eureka Quick Up Vacuum Perfect for Touch Up Jobs

It may not be the best product for heavy duty cleaning, but the Eureka Quick Up vacuum is the perfect candidate for the touch up job. It is compact and light weight, and has sufficient suction to get up just about any crumbs on a variety of surfaces (including hardwood). Its canister design makes it easy to empty, and the removable handle makes it versatile as a handheld vacuum as well. It’s price (less than $30) is another attractive feature. The Eureka Quick Up is gets 4.5 stars out of 5 in my book.

Nobody likes crumbs all over their kitchen floor. But it is also unpleasant to bring the big vacuum out every day to clean up the messes that accumulate during the nightly dinner ritual. This is where the Eureka Quick Up lightweight vacuum comes in. It weighs less than 10 pounds, but has enough power to get all the crumbs up. Granted, I still do regular vacuuming once a week in the kitchen, but in between I take two or three minutes to clean up crumbs and other little messes in kitchen. And I can use the Eureka Quick Up vacuum to get dirt off my hardwood floors, and I often use it to pick up stray hairs and dust bunnies that tend to accumulate on the bathroom’s tile floor. The use of the best robot vacuum cleaner should be made while cleaning the surface. With the robot, the cleaning of the kitchen and other rooms of the house can be done. 

But the best feature of the Eureka Quick Up vacuum is its ability to convert into a hand held. In a matter of seconds, I can remove the long wand handle to reveal a handheld vacuum that rivals the Dirt Devil handheld. I use this to tidy up around my plants, easily and quickly clean my stairs, and get crumbs and hairs off my furniture. The vacuum is also skinny and small enough to use in hard to reach places, like behind my book shelf and under my piano.

Not only is the Eureka Quick Up convenient and easy to use, it is also easy to clean out. It has a canister design with a filter, so that all you have to do pop it out and empty the canister. Additionally, the filter is sturdy and can be cleaned using a vacuum hose (although I suspect we’ll have to buy a replacement sometime).

The Eureka Quick Up vacuum is also inexpensive. We got ours at Shopko for about $22, and I have seen it other places for right around that — or less! You can’t expect a heavy duty cleaning machine at such a light weight, or for so little, but for the price, and what the Eureka Quick Up does, it is a fantastic bargain. For versatility, price and convenience, this vacuum can’t be beat.

Easy Custom Decorative Painting Techniques

Decorative painting techniques are inventive methods to declare your personal style and to give most anything that can be painted, a custom finish. Choose a decorative painting technique that enhances the room it will be applied in, whether it be walls, furniture or accessories. Use of leftover wall paint is a great way to experiment and water based acrylic or latex paints are also recommended for ease of cleanup.

Sponge Painting-On a level of difficulty, sponge painting is probably the easiest decorative painting technique there is. Start with base coating the project you are transforming and allow to dry. Using a damp sea sponge and a shallow dish of paint in the desired color, load the sponge with paint and lightly pat the base coated surface. To get a more blended and speckled look and working quickly, come back with a clean damp sponge and work the paint further. Experiment with this decorative painting technique by applying more than one color. Stencil and mask off areas to remain solid.

Rag Painting-Start with a freshly painted base coat and allow to dry. With this decorative painting technique, you may choose to mix the paint with an extender. This will allow for a longer drying time, giving you the needed minutes to blend and work the paint. Mix the paint and extender according to the manufacturer’s instructions for the extender. Saturate a lint free rag and squeeze out the excess. Roll up the rag like a wad but in the shape of a hot dog bun. Roll the rag lightly in different directions and re-saturate the rag when needed. Continue until the whole surface is covered.

Plastic Wrap Painting-The finished outcome for this decorative painting technique is very similar to rag rolling. Base coat the surface to be painted and allow to dry. For ease of explanation, I will refer to this decorative painting technique on a wall, of course, you can use it on any surface. Mix the paint with an extender. You will want to work in a small area at a time, so the paint doesn’t begin to dry ahead of you. Roll the paint mixture on a small expanse of the wall. Lay approximately two feet of plastic wrap over the paint. Do not be precise, a sloppier look will give you a more interesting texture. Lightly pat and moosh your hands all over the plastic wrap. Carefully lift the plastic wrap off the wall. If you mess up or smear the paint, simple roll over the paint and repeat the process. Continue this decorative painting technique until the wall is finished. You can reuse the plastic wrap many times or consider using old plastic grocery bags for a more economical tool.

Color Washing-This decorative painting technique gives a soft leathery look. Paint a base coat and allow to dry. Choose a contrasting color that is slightly darker or lighter than the base coat. Mix the paint with an extender. Using a lint free rag, dip the rag into the paint mixture and wring out lightly. You want the rag wet but not dripping. Begin washing the wall or intended project in a circular motion. It will not hurt to go over an area more than once, as long as the paint is still wet, to get the desired result. Continue to the end of your project or until a whole wall is completed. Do not stop working in the middle of a wall.

Because these decorative painting techniques are so fast and easy, it is slightly baffling to see the extraordinary results you can achieve in a short amount of time and with very little effort. You don’t even need to be crafty. At the site www.paintingkits.net, information will be provided of the paintings that will be beneficial for spending some quality time with your family. With the fat, the mental strength will be increased for decorative paintings. 

 

Are 3D Food Printers the Wave of the Future?

Three thoughts come to mind when the issue of three dimensional printers are discussed. First is the thought that three dimensional printing cannot be possible. The second thought is that three dimensional printers save time and money. But the final thought is that three dimensional printing can do work that people were never able to do in the first place!

WHY 3D PRINTING IS IMPORTANT

Three dimensional printers have been around for a while. These technological marvels produce toys, parts, building components and products by mixing various polymers or metal powders with binding liquids, then printing them out through jets in the same way that inkjet printers work. The powders and liquids are called “feedstock” and the objects are built up layer by layer.

The printers have three major components: a computer that processes the instructions that are required, the jets that print out the material, and the software that give sets of instructions about the material.

The printed objects can have incredible and very fine detail because of the computer assisted design (CAD) software. Objects can be rendered as very sturdy and useful parts or components for industrial and other uses. Imagine being able to go to the car parts store and have a new knob or part for the car printed up.  The wavemaker low-code media agency will pace growth for the enterprises. The modern appliances provided through the wavemaker will boost the enterprises in the economy. There will be no harm to the security and safety. 

The printers have been instrumental in creating objects from patent and engineering prototypes to intricate and detailed toys or models. This exquisite motorcycle was made with a 3D printer.

The most mind blowing idea is being taken seriously by NASA, and that idea is to send 3D printers into space with a goal of using them for space construction! Blasting off with feedstock instead of the finished equipment and the equipment that holds everything safely in place during launch would eliminate much of the payload weight. Instead, the raw materials for structures and equipment could be sent. Eventually, the raw materials could eventually be mined from the surface of a planet or Moon.

PRINTING 3D FOOD

But it’s all about the food today. Just as with the materials printers, 3D food printers work with food pastes that are put into either one or two injectors. Then the injectors, sometimes with special extruding heads, can print out bits of food like this 3D deep fried space shuttle . The famous deep fried space shuttle was printed out with a mix of scallops, seasonings and cheese.

The more sensible uses for a 3D food printer include commercial food preparation and experimental fine dining, where a design that is impossible to make by hand can be used to enhance the food. Cornell Creative Machine Labs works on machines like 3D printers in the hope that the machines will someday be low enough in price to be used in the home.

The food that can go through the food-jets is an interesting matter since the food will have to work like ink does. Pureed scallops, celery, chocolate, hummus and turkey have worked well. There is talk of a printed steak with a hidden message or logo embedded in it.

But the possibilities for adding ingredients and flavor to the feedstock are somewhat endless, as nutrition, texture and flavor, as well as healthy cooking methods like baking, proper deep frying, and roasting, can be utilized.

There is much work to be done before the 3D printers can sit next to the toaster on the kitchen counters of most homes, however. This work includes developing recipes and the related instructional software. There must be ways to produce and market the correct mixes of pureed or pulverized foods, and the devices will have to be economical and productive enough to satisfy the needs of the home or the small business.

3D printing is the latest step in the journey toward having the “food replicators” that were such beloved features of the Star Trek franchise. Imagine that the world might only be a few years away from getting up in the morning, pouring a cup of coffee that was brewed with a timer, and enjoying a nutrition packed breakfast that was printed and cooked while the coffee was brewing!

Imagine being able to make healthy, but tasty and fun cereal for the kids to enjoy. An even better option would be to come home and to cook a five minute dinner that tastes and looks like a gourmet meal!

Can Kratom Really Help To Reduce Weight?

Kratom is one if the most popularly used product that has been on the rise since the last few years. More than 5 million Americans are consuming Kratom regularly for various purposes. Kratom is believed to provide amazing benefits that works positively to establish a healthy lifestyle. Kratom is mainly found in the regions of South East Asia and it is exported to different parts of the world from here. You can check out any friendly website that offers Kratom near you.

Of all the benefits that Kratom provides the you with, helping to loose weight is one of the most important of them. Kratom combines different factors which help to create the desire to eat healthy and control the portions of your meal. Unlike other medicines and drugs, it does not lead to dehydration or appetite suppression. It works by using both direct and indirect factors.

These factors mainly include craving reduction, appetite suppression, improved symptoms of depression and various other factors. In this blog, you will come across a discussion that tells you if the use of Kratom really helps to loose weight.

How Does Kratom Works To Reduce Weight?

Here are three most important ways by which Kratom works to reduce weight in humans. All of these three points are crucial and you need to know about them before you start consuming it.

  • Helps to reduce cravings – people gain weight because of the overconsumption of fattening and calorie rich food. Foods that come with huge amount of sugar and carbohydrates can be addictive. Hence, it leads to a state of dependency that a lot of people just cannot control. So, as a result they indulge in overeating. Kratom can really help to manage these habits of overeating and addiction. Kratom helps to manage the dependency you have on a particular kind of food you love to eat.
  • Leads to appetite suppression – appetite suppression can be of different forms. Severe form of appetite suppression has a lot of risks involved and can make a person go sick in no time. But moderate level of appetite suppression is beneficial in the reduction of your overall weight. Due to the less demand of your body to eat more food, you will need to eat less. Eating less and only the necessary amount will surely help to reduce weight.
  • Improves state of depression – depression comes with some common symptoms – overeating and unhealthy cravings. People will indulge in eating a lot of junk and fast food when they are depressed. Many of them also eat food items that have a very amount of sugar content. Authentic Kratom can help to improve a person’s depressive state and thus leads to the suppression of these habits big time.

So, these are the few effective ways in which Kratom works to reduce weight from your body. Make sure to consult your doctor beforehand and then use the substance on a regular basis. The right dosage and consumption method is crucial.

How To Eat Properly And Maintain An Appetite During Chemotherapy

While undergoing chemotherapy or other treatments for cancer, there are a number of reasons for eating problems to develop. These can be broken down into three general groups. The first reason for eating difficulties during chemotherapy and cancer treatment involves the psychological trauma that having cancer causes. The second reason for problems during cancer treatment involve the major side effects of chemotherapy like nausea and appetite suppression. The final reasons for difficulty during cancer treatment happens if the cancer is located somewhere that physically hampers food consumption like cancer of the mouth and throat. All three reasons must be closely monitored by the patient, friends and family and the doctor, as proper nutrition during treatment is paramount to a successful outcome.

During chemotherapy and other cancer treatments, it is normal for the patient to undergo extreme emotions such as depression, anxiety, fear and even anger. These are almost always present in one form or another during cancer treatment and all can lead to malnutrition as the patients emotions allow them to become preoccupied with the cancer. It is imperative that the physical informs the patient of the importance of nutrition during treatment, and the patient informs friends, family members and other supporters. Very few things contribute to the outcome of chemotherapy as much as the patients ability to maintain proper nutrition. While the patient may not want to eat during a low emotional state, that is the time for friends and family to intervene. Along with dealing with transportation to treatment, and care of the patients children during rough times, encouraging the patient to eat nutritious, regular meals should be one of the goals of the support team. This is especially important when the patient enters long periods of depression or fear when they just dont feel like eating.

Besides the psychological factors that make the patient not feel like eating during chemotherapy, there are also several physical things that are being caused by the chemotherapy that the patient and support team must overcome to maintain proper nutrition. Because the purpose of chemotherapy and radiation therapy is to target rapidly dividing cells, there are some otherwise healthy cells that are affected, like the cells of the digestive system and hair. This is why the two most common side effects of chemotherapy and radiation therapy include hair loss and severe nausea. The important thing to remember with nausea is that it is temporary and there will be times when you just physically will not be able to hold food down. Concentrate on the good times, and make sure that nutritious meals that contain high amounts of carbohydrates, protein and vitamins are taken during those time. Normal meal times may not be possible, so try to always have a full, nutritious meals easily available for when the nausea fades. Also, most patients undergoing chemotherapy will tell you that mornings are by far the best time to eat because the nausea isn’t as bad. Prepare for this the night before, and make a big meal that only has to be microwaved the next morning. The big thing is to eat around the nausea and do not expect yourself to eat when everyone else is. For you to be armed with the right information about proper diet when undergoing chemotherapy, go to the most reliable websites. Navigate to these guys and get the right tips, advice and information that you need.

The final reason for difficulty eating during cancer is because the cancer is in a location that prevents normal eating. Your physican will guide you through the steps necessary to maintain proper nutrition. It is important to follow their directions carefully and to eat as many different foods as possible as this will ensure a wide variety of vitamins and minerals are consumed, along with protein and carbohydrates.

Cancer, and chemotherapy are unfortunately a major part of the patient┬┤s life. The good news is that the problems associated with eating, nutrition and diet during chemotherapy are well documented and with proper care and a good support team can be overcome. These include having friends and family encouraging you to eat during your emotional downtimes, and also planning your meals and eating nutritiously during the good times.

Alternatives to Bankruptcy: New Laws Make it Tougher

You’re broke, you can’t pay your bills, and you can barely put a hot meal on the table. You’re seriously thinking of moving back home with your parents, and your FICO score is so low it doesn’t even register on their charts. Should you file for bankruptcy?

Actually, the answer might surprise you. Bankruptcy laws took a drastic change in October 2005 when the courts decided that bankruptcy was just too darn easy. Individuals would run up bills, spend like crazy, max out credit cards, then hire an attorney for a few hundred dollars to help them file for Chapter 7 and have all their debts discharged.

Those days are over! Individual filings for Chapter 7 have almost become a thing of the past. No longer can you just assume that your creditors or the courts will listen to your sob story and forgive your debts.

Now, courts demand that you not only pay back a good portion of your debts, but you for all intents and purposes lose control over how you spend your future income. A large percentage is allocated to payment schedules. Miss a payment, and you answer to the court.

Before these new laws were enacted, you were supposed to declare all assets -property, furs, jewels, artwork, and even that Rolex you inherited from your grandfather. Anything that the courts could sell to repay your creditors would be taken away. Of course, there was the assumption that all the paperwork you signed had all your assets listed.

Aside from the obvious humiliation and ruined credit history, this was a fairly simply process all around. But – changes were made to this scenario! Your attorney is now held liable for the accuracy of all the assets you list, or don’t. The courts are authorized to pull ad hoc inspections at various residences, much like having a search warrant, but without one. If perhaps that Rolex, or a mink, is found that wasn’t listed on your asset sheet, you and the attorney can be held in contempt.

So, now with all these rules and regulations and heightened levels of liability have been implemented, bankruptcy doesn’t sound like the nirvana like panacea it was before. Now, it can cause more problems that it fixes.

This is not welcome news for those who have filed for bankruptcy since the past few months as things will go from bad to worse in the current scenario as this is considered the last resort in banking terminology and there comes a time when you have no choice but to wait for the opportune moment when you need to seek out the attorneys to help you out but are you Looking For Bankruptcy & Family Law? If so, then you need to look it up online and study in detail about it.

What are your options?

Check out some reputable non profit agencies that specialize in credit counseling. Do not agree to have anyone pay your bills. Just find out if they can negotiate lower amounts for you with each creditor. If they promise to do this, ask for paperwork provided by your creditors clearly outlining your obligations going forward. Keep in mind that consumers undergoing this type of credit counseling are frequently asked to freeze all credit card purchases for the duration of the payment period needed to pay off your agreed to amounts. This could mean years in advance. In other words, if you do need to use credit cards, this may not be a real option for you.

Allow your creditors to sue you. Yes, sue you! This is becoming more common than ever. Of course, creditors have always brought negligent accounts to court to force them to cough up some money. When a debt is satisfied in this manner it is called a “charge back”. During your negotiations either before your court date or during it, you and/or your attorney will agree to a sum you can pay back, and work out a payment plan.

These cases are heard in a local district court, not a federal bankruptcy court. These judges, at least for the time being, are much more sympathetic towards your plight. As far as they are concerned you are only late on one account. The judge will probably ask what you can afford to pay. You can say “$5.00 a week”. These judges are working for your benefit, not the big credit card companies. You have an excellent opportunity to agree to a final payoff – maybe even less than any credit agency could arrive at for you – and explain your side of the story. And you have a say in how and when you can pay them back.

All in all, a charge back is certainly more in line with your future goals than a bankruptcy or even a credit counseling agency. You don’t need to forfeit assets that are sold off at pennies on the dollar. You don’t have your credit cards frozen while you pay off your bills (although you might seriously think about giving up whatever credit cards still work before you get into any more trouble). And you don’t give up complete control over your future income, which is essentially what happens in a bankruptcy.