public marks

PUBLIC MARKS from creditdebit with tags debt & loans

July 2009

Bankruptcy Lawyers

Tip! After filing for bankruptcy, all of your possessions will be in charge of the trustee. Bankruptcy lawyers are experts in the laws of bankruptcy. They are the ones capable of helping enterprises discharge their debts. They do this by helping their ...

Bankruptcy Second Time Around - What to Expect from the New Bankruptcy Law

Tip! It’s not difficult to file for bankruptcy. It really isn’t. Although it was a little bit frightening at first, the new bankruptcy law was not that much of a hassle. I was expecting a lion, and what I found was a lamb. I was already a...

May 2009

Credit After Bankruptcy - Ways To Improve Your Chances of Getting Approved For A Loan

Tip! Look into the total cost of fees for your bankruptcy case. It’s best to know the amount of money it is going to cost you. Bankruptcy doesn’t have to prevent you from securing credit. With some research on your part and careful financia...

New Bankruptcy Law Restrictions Lifted for Scores of Hurricane Victims

Tip! Make three copies of the section of papers that list all of the creditors and collection agencies that were included in the bankruptcy - usually this is called the Schedule F. In late 2005, victims of both Hurricane Katrina and Hurricane Rita were...

April 2009

New Bankruptcy Laws Make Filing for Bankruptcy a Complicated Affair

Tip! It is also a requirement, for those wishing to obtain a bankruptcy home loan, to have a debt-to-income ratio of between forty-five to fifty percentile range. As of Oct. 17, 2005, The Bankruptcy Abuse Prevention & Consumer Protection Act of 20...

Is it Possible to get Finance even after Bankruptcy?

Tip! You are not a deadbeat if you file for bankruptcy. Most people file for relief after a life-changing experience, such as a death of a spouse, divorce or job loss or after a serious illness that left them with thousands, if not tens of thousands, ...

January 2009

How to Rebuild Your Credit After Bankruptcy, Or Getting Your Finances Back Together Again

Tip! Spend a day at a bankruptcy court. Observing the attorneys in action can give you an idea of the attorney you want representing you. If you are worried about rebuilding credit after bankruptcy, this article will help you with some general advice a...

Bankruptcy Information - A Little Education Can Help You Avoid Hassles

Tip! The final step in considering bankruptcy is to actually engage the services of an attorney. At this juncture, you attorney will prepare a bankruptcy petition on your behalf that will be filed in the bankruptcy court. Adequate bankruptcy informati...

December 2008

Bankruptcy Lawyers - 4 Important Things To Remember Before You Retain One

Tip! Pay all of your bills on time. Bankruptcy is a means to financial recovery. Most debtors do not consider hiring a lawyer for the obvious reason that they cannot afford to have one. While a debtor is not required to hire a lawyer, it is recommende...

New Bankruptcy Law Will Not Protect You from Identity Theft

Tip! It is also a requirement, for those wishing to obtain a bankruptcy home loan, to have a debt-to-income ratio of between forty-five to fifty percentile range. 1fdd Recently passed by Congress with overwhelming support, the oddly-named Bankruptcy ...

November 2008

Car Loans After Bankruptcy - How Long Do You Need to Wait to Get Approved?

Tip! Make three copies of the section of papers that list all of the creditors and collection agencies that were included in the bankruptcy - usually this is called the Schedule F. The key to improving credit history after a bankruptcy is rebuilding cr...

September 2008

What Is A Chapter 13 Bankruptcy?

Tip! Why doesn’t everyone just call bankruptcy when everything gets too hard. Put simply, your credit is ruined. Many consumers that are bogged down in debt frequently turn to bankruptcy as a form of restoring their financial status back to a zer...

Personal Bankruptcy: Last Option To Legally Stop Bill Collectors

Tip! It’s not difficult to file for bankruptcy. It really isn’t. Do you have stacks of unpaid bills? Are you in debt? Are bill collectors hounding you? Are you frustrated and annoyed and wish to get them off your back? If you answer yes, t...

August 2008

Bankruptcy Reform

Tip! Even if I file for bankruptcy creditors will still harass me and my family. There are some new bankruptcy laws going into effect before long and many think they are much needed. Of course, that depends on which side of the bankruptcy you are a pa...

Mandatory Credit Counseling for Those Considering Bankruptcy

Tip! Your creditors can not change their minds at a later date From the date of approval of your Arrangement all interest and charges are frozen. Unlike bankruptcy there is no advertisement of the IVA in a local paper. 1f46 Most Americans are aware ...

June 2008

Tip! Even if I file for bankruptcy creditors will still harass me and my family. It’s not hard to do. One day you feel like you have all the money and financial security in the world. And then it happened, maybe not to quickly either. You may ...

May 2008

Credit Counseling Can Save You From Bankruptcy

Tip! Why doesn’t everyone just call bankruptcy when everything gets too hard. Put simply, your credit is ruined. If you find yourself facing more debt than you can manage on your own, you might want to consider getting the assistance of a credit ...

April 2008

Bankruptcy: What the New Law Means to You

Tip! You won’t lose everything that you have. While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your clothes, household goods, your home and your car (up to a certain value) ...

How Do Debt Consolidation Agencies Function?

Tip! The Debt Consolidation Representative will then contact your creditors, negotiating the lowest interest rates and reduced fees possible. Taking loans is convenient these days and taking multiple loans from different sources is almost a regular pra...

March 2008

Debt Consolidation - How To Avoid Bankruptcy

Tip! Some companies will also charge exceptionally high debt consolidation fees to people who have high interest loans. Sometimes these fees can be extremely close to, or at the state maximum for mortgage fees. Debt trap is like a maze - it is very dif...

Bankruptcy and Your Credit

Tip! You won’t lose everything that you have. While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your clothes, household goods, your home and your car (up to a certain value) ...

February 2008

Debt and Bill Consolidation - Consolidate Debts with No Loan or Credit Check

Tip! A Debt Consolidation Repayment Representatives will contact you and will work out a debt management plan. Debt consolidation has several advantages. For the most part, many consumers are unable to eliminate their debts. High finance charges and ...

The New Bankruptcy Law "Means Test" Explained in Plain English

Tip! The possibility of getting loans approved will be lowered, because all creditors will first check your credit report where the bankruptcy shows. 1f7e With the new bankruptcy law in effect since October 17, 2005, there is a lot of confusion with ...

Bad Credit Debt Consolidation Loan Quote

Tip! Go with a company that has a good reputation. Don’t assume that every non-profit company is necessarily going to look out for your interests more than a for profit debt consolidation company. Obtaining a debt consolidation loan is one of the...

Debt Consolidation vs Credit Counseling - Exploring Debt Reduction Options

Tip! A Debt Consolidation Repayment Representatives will contact you and will work out a debt management plan. With so many debt reduction options available to you, it’s easy to get confused on which is the most effective. Debt consolidation all...