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Friday, 14-Sep-2012 08:21 Email | Share | | Bookmark
Benefits and Drawbacks of Bankruptcy

Outlined below are some of the benefits and drawbacks of bankruptcy. It should be noted that bankruptcy is not to be entered into without first having sought professional advice.

There is more to bankruptcy than as a way of finally putting an end to harassing debt collectors and creditors. One big side effect of bankruptcy being that your life is likely to be subjected to intense scrutiny.

These are some of the benefits of bankruptcy:

Relieves the stress caused by dealing with numerous creditors.

Once a bankruptcy order is made,sac louis vuitton, a third party takes over the administration,louboutin, decision making and payment process of the debts.

Creditors forced to recognise that they must accept less money than is owed.

Debtors typically pay less with a bankruptcy order than with an Individual Voluntary Arrangement.

Once discharged,louboutin pas cher, most debts are written off and creditors cannot pursue them.

Here are some of the drawbacks associated with bankruptcy:

The debtor will lose any realisable assets of value.

If the debtor owns equity in a home, this will almost certainly be sold.

If a business is owned,louis vuitton pas cher, this could be sold and any employees dismissed.

Bank current accounts can be difficult to obtain.

It is a costly process. All fees for the insolvency service,burberry pas cher, courts and any trustee are taken out of the debtor's assets.

If trying to obtain credit of more than ?50 the debtor must disclose his status as an undischarged bankrupt. The debtor must allow all his financial affairs to be scrutinised.

Names of those made bankrupt are published in the London Gazette and the local press and can be viewed online at the Insolvency Service website,air jordan pas cher, making them accessible to anyone in the world.

Cannot hold certain public offices,louboutin, such as MP,sac longchamp pas cher, councillor or magistrate,louboutin, or practice certain professions,burberry soldes, such as solicitor and accountant.

A bankrupt may not hold office as a trustee of a charity or a pension fund.

A bankrupt is not allowed to be a company director or trade under any other name than the one used at the time of bankruptcy.

The trustee must be informed of any changes in circumstances during the bankruptcy.

Certain debts cannot be written off: fines,sac longchamp, maintenance/child support payments,jordan pas cher, other family court orders,louboutin, debts to secured creditors,longchamp pas cher, debts from personal injury claims,louboutin pas cher, debts incurred through fraud, debt arising from certain other orders of the criminal court.

Bankruptcy does not affect the rights of secured creditors. Where there are joint debts,louboutin pas cher, creditors can still pursue the non-bankrupt debtor.

Bankrupts found to be blameworthy,jordan, culpable or dishonest can be made subject to a Bankruptcy Restrictions Order which can impose the same bankruptcy restrictions,air jordan, plus some additional ones,louboutin pas cher, for anywhere from 2 to 15 years.

You may freely reprint this article provided the author's biography remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

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Another very important tip that many often overlook. Pay off those pesky credit cards as soon as possible because you are losing up to 19% of the total. What a waste of your hard earned money! Keep chopping away at the balances until you get to an amount that is reasonable $100-$500 dollars.

Friday, 14-Sep-2012 08:20 Email | Share | | Bookmark
Free Credit Reports - How to Maintain Your Credit Profile

Maintaining your Credit Profile

Every consumer should be maintaining their credit profiles to ensure the highest scores possible. To do so, you must first order your credit reports from the three major credit bureaus: Equifax,louboutin, Trans Union, and Experian. The federal Fair Credit Reporting Act (FCRA) entitles you to a copy of your creditReport for free,louis vuitton, provided you meet the following criteria:

?You have been denied credit because of information in your credit report within the last 60 days.

?You are currently unemployed and are seeking employment.

?You receive public assistance.

?You believe that your credit file contains errors due to fraud or identity theft.

Additionally,louboutin pas cher, you also may be able to get your credit report and credit score from other business or companies. For example, if you live in California and are shopping for a home loan,jordan, the lender must provide you with your credit score by law. Several other states require that credit scores be disclosed to consumers.

It? possible to receive a free copy of your credit reports annually if you live in Colorado,burberry pas cher, Georgia, Massachusetts, New Jersey, Vermont and Maryland. Recently Congress passed a law which affords each of us the right to a free credit report annually. Below is a listing of the start dates for this particular program:

Consumers in the Western states ?Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nevada,air jordan pas cher, New Mexico,jordan pas cher, Oregon, Utah, Washington, and Wyoming ?can order their free reports beginning December 1, 2004.

Consumers in the Midwestern states ?Illinois, Indiana,louboutin, Iowa, Kansas, Michigan, Minnesota,burberry, Missouri, Nebraska, North Dakota,louboutin, Ohio, South Dakota,sac longchamp pas cher, and Wisconsin ?can order their free reports beginning March 1, 2005.

Consumers in the Southern states ?Alabama,burberry soldes, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi,sac louis vuitton, Oklahoma, South Carolina,louboutin, Tennessee, and Texas ?can order their free reports beginning June 1, 2005.

Consumers in the Eastern states ?Connecticut, Delaware, Maine, Maryland, Massachusetts,sac longchamp, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West Virginia ?the District of Columbia,air jordan, Puerto Rico,louboutin pas cher, and all U.S. territories can order their free reports beginning September 1,louboutin pas cher, 2005.

To take advantage of the free annual credit report,louis vuitton pas cher, please visit: www.annualcreditreport.com.

Why is it important to "maintain our credit profile"? You have to have good credit, or at least decent credit,louboutin pas cher, for a lender to consider you as a worthy credit risk. With our credit score being used in everything from insurance to interest rates on loans, we need to ensure that we manage our credit properly.

There is also the an epedimic going on called Identity Theft. The FBI released a study in May 2005 which stated that Identity Theft has caused over $52.6 billion dollars in total losses for 2004. With over 4.6% of the population being effected by Identity Theft, you can never be too careful. Identity Theft is simply an individual assuming another identity, and often times leads to other financial crimes such as credit card fraud, mortgage fraud, and check fraud.

By monitoring our credit reports frequently and utilizing our credit responsibily, we can take control of our financial futures to ensure that our profiles are accurate.

For more information regarding your credit scores, credit reports or debt options currently available to you, please contact Gateway Credit Connection or visit us online at http://www.creditmonkey.com

Michael Goff is the Co-Founder of Gateway Credit Connection, helping empower consumers to take control of their personal and business finances.

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Another very important tip that many often overlook. Pay off those pesky credit cards as soon as possible because you are losing up to 19% of the total. What a waste of your hard earned money! Keep chopping away at the balances until you get to an amount that is reasonable $100-$500 dollars.

Wednesday, 12-Sep-2012 03:58 Email | Share | | Bookmark

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Clinical depression often requires medical supervision as well as professional treatment. Clinical depression is treatable and requires commitment, understanding and patience from all those involved.

Wednesday, 12-Sep-2012 03:56 Email | Share | | Bookmark

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Clinical depression often requires medical supervision as well as professional treatment. Clinical depression is treatable and requires commitment, understanding and patience from all those involved.

Wednesday, 12-Sep-2012 03:55 Email | Share | | Bookmark
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Clinical depression often requires medical supervision as well as professional treatment. Clinical depression is treatable and requires commitment, understanding and patience from all those involved.

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