Does Bankruptcy Clear Student Loans?

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Bankruptcy is the legal process by which debtors can be relieved of their obligations to pay debts and obtain a fresh start. There are two basic methods of bankruptcy resolution: liquidation and reorganization. Under a liquidation bankruptcy, the debtor's assets are sold off under the court supervis

The Merits of Chapter 12 Bankruptcy

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Chapter 12 Bankruptcy has been specifically designed for the small farm owners, whose majority of the family income comes from agricultural produce. You can consult a reputed attorney to discuss your bankruptcy.

Loan Modification and Bankruptcy - The Hard Truth You May Not Like

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A few million people are in dire need of getting their lenders to modify their loans. The reason for this is primarily for not being in a position to make their monthly payments due to the financial meltdown.

If I File No Fault Divorce Will He Still Have to Pay Support in Pennsylvania?

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In a no fault divorce, which is the most common type of divorce in Pennsylvania, spouses are not always required to pay spousal support. Considerations vary because no fault divorces allow a couple to end a marriage without having to point fingers. Additionally, no fault divorces are a preferred met

Can You Be Too Broke to File for Bankruptcy?

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Learn more about the fees you'll have to pay when you file a bankruptcy case.

When an Employer Won't Pay What Is Owed

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The United States Department of Labor requires an employer to pay his employees promptly and accurately. Many states have minimum paydays that an employer must pay employees by. The employer can pay more often, but not less. If your employer owes you wages or salaries, you can take certain actions t

Unsecured Debt Problems

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When you accumulate debt, it's categorized in two ways: secured and unsecured. Secured debt is a type of debt tied to a piece of collateral, such as a mortgage that is tied to your house. Unsecured debt is not tied to any collateral, which is the case with credit cards. When you have too much unsecu

Bankruptcy Alternatives - Do You Really Have Any?

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There are many bankruptcy alternatives that you should consider before filing, and all of them have a far lesser negative impact on you than bankruptcy would. Bankruptcy should be an option of last resort and you need to consider all available options.

The Middle Class Is Broke and on the Verge of Bankruptcy Filing

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As the mainstream media continues to talk up the economy, one fact can't be disputed, that disposable income for the middle class American family is becoming a thing of the past. The news continues to tell a story of how the real estate market is recovering and less Americans are filing bankrup

Mortgage For Bankruptcy

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Having a bankruptcy on your credit report can be detrimental when it comes to applying for a mortgage. You need a mortgage for bankruptcy plan. I have outlined one that has worked in the past for some of my clients.

Can a Bill Collector Garnish Disability Wages?

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Garnishment is the legal process of placing a lien or attachment against a delinquent debtor's sources of income or bank accounts. Creditors can garnish wages and other income sources only after they have brought suit in state court and a judge has issued an order against the debtor. Garnishment is

1 Plan of Action When Filing Bankruptcy - Save Your Home

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A bankruptcy attorney might be able to refer you to someone helping you get your house removed from the bankruptcy case. Attorneys have their regimes and to work with them you need to inquire about options.If you could sell your house and pay your lender off wouldn't you?

Creating a Plan for Getting Out of Debt

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Creating a plan to get out of debt is the most important step to becoming financially stable. Without a plan, you’re simply paying out money each month and hoping the debt will eventually get paid off. Certain kinds of debt, such as balances on credit cards, tend to accumulate quickly. Making

Use A Car Loan Calculator To Find The Best Apr Loan For You

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Buying a car can be a daunting experience for most people. Car repayments are one of the biggest monthly budget items for many households and so it’s crucial that you don’t pay more than you have too.

How to Treat Bond Holders Under the Municipal Bankruptcy Chapter

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Bankruptcy is a legal procedure for dealing with debt problems of individuals and business. Bonds of different categories are treated differently in the municipal insolvency chapter. General bonds are treated just like any other debt and the municipal will not be required to make payments of either

How to Get Out of Debt to Raise a FICO Score

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Most consumers carry debt from mortgage loans, auto loans, student loans and credit cards. However, debts such credit cards can harm your FICO score if you carry a large balance. Thus, it's wise for you to keep these debts to a minimum. Paying down your credit cards increases your available credit,

Government Debt Reduction Programs

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Learn about programs you can use to cut your debt.to cut image by Anton Gvozdikov from Fotolia.comFor the most part, debt reduction programs tend to fall under the private sector. That is to say, private companies have created programs that enable consumers to work with creditors and debt...

What Is Bankruptcy? Chapter 7 & Chapter 13

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Basically, when you owe money, you are a debtor, and persons or companies who you owe the money, are Main creditors. The legal process that can protect debtors from their creditors is commonly known as bankruptcy. But bankruptcy, is not for everyone in debt, can be useful, depending on particular ci

Should You File for Bankruptcy - Tough Choices for Many

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If you are thinking about filing for bankruptcy, do yourself a favor and think very hard about it before taking that step. Once you file for bankruptcy, it's a long hard road to getting good credit again, and you do have other options if you know where to look.

What Can Bankruptcy Do For Me?

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Different chapters are suitable for different needs, but bankruptcy, in essence, allows relief for debtors via the automatic stay on creditors' actions following filing. The automatic stay ensures that any form of harassment that debtors can experience, including letters, phone calls as well as