Bankruptcy – Should You File and What Are the Benefits? By Vengile Conway | Submitted On March 23, 2015 Recommend Article Article Comments Print Article Share this article on Facebook Share this article on Twitter Share this article on Google+ Share this article on Linkedin Share this article on StumbleUpon Share this article on Delicious Share this article on FriendFeed Share this article on Digg Share this article on Reddit Share this article on Pinterest Expert Author Vengile Conway Bankruptcy is a very delicate subject for most people. It’s senseless for anyone to feel ashamed to file for chapter 7 or chapter 13 bankruptcy when most of us have also made bad choices at one time or another. Everyone deserves a 2nd chance in life and filing bankruptcy can offer you exactly that. Bankruptcy is a legal status for a person or business that can’t pay off unsettled debt. This is something that only a state or federal court can determine. Most people don’t want to file for bankruptcy and see it as a last resort for options. Bankruptcy will allow an individual to wipe out “most of” or “all of” their debts. Here are some reason why someone would file for bankruptcy. 1. Stop Foreclosure 2. Prevent Repossession of an Automobile 3. Lower debt 4. Eliminate debt 5. Stop wage garnishment Before you file get prepared I’m going to give you some good advice and what you’ll do with it is totally up to you. Before you file, you’ll most likely have to obtain credit counseling within 180 days. You’ll need to receive the credit counseling from an “approved provider” listed on the US courts website. You’ll need to talk to a lawyer who will help you file and walk you through the entire process. Filing can cost $700-$2500 or even more depending on where you file. Most of the time, your attorney will have information about the credit counseling programs and the list of “approved providers.” How long will it take to recover? In most cases bankruptcies will stay on your credit report for 7-10 years, there are many things you could do to start improving your credit after you file. Chapter 13 Bankruptcies- You might be able to land a conventional loan two years after a Chapter 13 discharge. FHA and VA loans are even more tolerant. Chapter 7 Bankruptcies- you’re typically looking at a four-year wait for conventional loans and a two-year wait for either FHA or VA financing. Auto mobile financing is pretty simple to obtain these days but your IR will be very high and your payment won’t be pretty either. What types of bankruptcies are available? Most of the time you will only hear of chapter 7 and chapter 13 bankruptcy. Although chapter 7 and chapter 13 are some options available there are four other options as well. Chapter 9: Chapter 9 may only be applied to municipalities such as cities or towns and allows for their reorganization. This is most likely something you will never hear of again. Chapter 11: Chapter 11 is the third most common type of bankruptcy filing, with 1,757 filings in 2011. This chapter is almost always used to reorganize businesses but may be used by individuals as well. If you own a business, you might want to consider filing a chapter 11. Chapter 12: Chapter 12 is used exclusively to adjust the debts of a family farmer or family fisherman. Chapter 15: Chapter 15 applies to cross-border cases, in which the debtor has assets and debts both in the United States and elsewhere. I hope this article gave you some understanding of the options that you have and also helps you find the right attorney to help you with your filing. Bankruptcy Attorney in Lansing Michigan Article Source: http://EzineArticles.com/?expert=Vengile_Conway

Bankruptcy is a very delicate subject for most people. It’s senseless for anyone to feel ashamed to file for chapter 7 or chapter 13 bankruptcy when most of us have also made bad choices at one time or another. Everyone deserves a 2nd chance in life and filing bankruptcy can offer you exactly that. Bankruptcy … Continue reading “Bankruptcy – Should You File and What Are the Benefits? By Vengile Conway | Submitted On March 23, 2015 Recommend Article Article Comments Print Article Share this article on Facebook Share this article on Twitter Share this article on Google+ Share this article on Linkedin Share this article on StumbleUpon Share this article on Delicious Share this article on FriendFeed Share this article on Digg Share this article on Reddit Share this article on Pinterest Expert Author Vengile Conway Bankruptcy is a very delicate subject for most people. It’s senseless for anyone to feel ashamed to file for chapter 7 or chapter 13 bankruptcy when most of us have also made bad choices at one time or another. Everyone deserves a 2nd chance in life and filing bankruptcy can offer you exactly that. Bankruptcy is a legal status for a person or business that can’t pay off unsettled debt. This is something that only a state or federal court can determine. Most people don’t want to file for bankruptcy and see it as a last resort for options. Bankruptcy will allow an individual to wipe out “most of” or “all of” their debts. Here are some reason why someone would file for bankruptcy. 1. Stop Foreclosure 2. Prevent Repossession of an Automobile 3. Lower debt 4. Eliminate debt 5. Stop wage garnishment Before you file get prepared I’m going to give you some good advice and what you’ll do with it is totally up to you. Before you file, you’ll most likely have to obtain credit counseling within 180 days. You’ll need to receive the credit counseling from an “approved provider” listed on the US courts website. You’ll need to talk to a lawyer who will help you file and walk you through the entire process. Filing can cost $700-$2500 or even more depending on where you file. Most of the time, your attorney will have information about the credit counseling programs and the list of “approved providers.” How long will it take to recover? In most cases bankruptcies will stay on your credit report for 7-10 years, there are many things you could do to start improving your credit after you file. Chapter 13 Bankruptcies- You might be able to land a conventional loan two years after a Chapter 13 discharge. FHA and VA loans are even more tolerant. Chapter 7 Bankruptcies- you’re typically looking at a four-year wait for conventional loans and a two-year wait for either FHA or VA financing. Auto mobile financing is pretty simple to obtain these days but your IR will be very high and your payment won’t be pretty either. What types of bankruptcies are available? Most of the time you will only hear of chapter 7 and chapter 13 bankruptcy. Although chapter 7 and chapter 13 are some options available there are four other options as well. Chapter 9: Chapter 9 may only be applied to municipalities such as cities or towns and allows for their reorganization. This is most likely something you will never hear of again. Chapter 11: Chapter 11 is the third most common type of bankruptcy filing, with 1,757 filings in 2011. This chapter is almost always used to reorganize businesses but may be used by individuals as well. If you own a business, you might want to consider filing a chapter 11. Chapter 12: Chapter 12 is used exclusively to adjust the debts of a family farmer or family fisherman. Chapter 15: Chapter 15 applies to cross-border cases, in which the debtor has assets and debts both in the United States and elsewhere. I hope this article gave you some understanding of the options that you have and also helps you find the right attorney to help you with your filing. Bankruptcy Attorney in Lansing Michigan Article Source: http://EzineArticles.com/?expert=Vengile_Conway”

Bankruptcy is a very delicate subject for most people. It’s senseless for anyone to feel ashamed to file for chapter 7 or chapter 13 bankruptcy when most of us have also made bad choices at one time or another.

Everyone deserves a 2nd chance in life and filing bankruptcy can offer you exactly that.

Bankruptcy is a legal status for a person or business that can’t pay off unsettled debt. This is something that only a state or federal court can determine.

Most people don’t want to file for bankruptcy and see it as a last resort for options. Bankruptcy will allow an individual to wipe out “most of” or “all of” their debts.

Here are some reason why someone would file for bankruptcy.

1. Stop Foreclosure
2. Prevent Repossession of an Automobile
3. Lower debt
4. Eliminate debt
5. Stop wage garnishment

Before you file get prepared

I’m going to give you some good advice and what you’ll do with it is totally up to you. Before you file, you’ll most likely have to obtain credit counseling within 180 days. You’ll need to receive the credit counseling from an “approved provider” listed on the US courts website.

You’ll need to talk to a lawyer who will help you file and walk you through the entire process. Filing can cost $700-$2500 or even more depending on where you file. Most of the time, your attorney will have information about the credit counseling programs and the list of “approved providers.”

How long will it take to recover?

In most cases bankruptcies will stay on your credit report for 7-10 years, there are many things you could do to start improving your credit after you file.

Chapter 13 Bankruptcies- You might be able to land a conventional loan two years after a Chapter 13 discharge. FHA and VA loans are even more tolerant.

Chapter 7 Bankruptcies- you’re typically looking at a four-year wait for conventional loans and a two-year wait for either FHA or VA financing.

Auto mobile financing is pretty simple to obtain these days but your IR will be very high and your payment won’t be pretty either.

What types of bankruptcies are available?

Most of the time you will only hear of chapter 7 and chapter 13 bankruptcy. Although chapter 7 and chapter 13 are some options available there are four other options as well.

Chapter 9: Chapter 9 may only be applied to municipalities such as cities or towns and allows for their reorganization. This is most likely something you will never hear of again.

Chapter 11: Chapter 11 is the third most common type of bankruptcy filing, with 1,757 filings in 2011. This chapter is almost always used to reorganize businesses but may be used by individuals as well. If you own a business, you might want to consider filing a chapter 11.

Chapter 12: Chapter 12 is used exclusively to adjust the debts of a family farmer or family fisherman.

Chapter 15: Chapter 15 applies to cross-border cases, in which the debtor has assets and debts both in the United States and elsewhere.

I hope this article gave you some understanding of the options that you have and also helps you find the right attorney to help you with your filing.

Thinking Of Going On A Diet? How About A Papaya Diet?

Dieting can be very hard on the body when not done in the right manner. Not giving the body sufficient time to adjust through crash dieting does more harm than good. More often than not, people diet and lose all the excess weight only to find that the minute they return to their previous eating habits, all the weight is gained back. But all is not lost, thanks to the papaya diet. Who knew that something as simple as a papaya salad could help you out?

The papaya diet is considered to be a great option to option for all those people who are looking to shed a few pounds-especially those who are suffering from an inflamed abdomen. Though the fruit is sweet, the number of calories in papaya are minimal. When it comes to papaya, there is nothing to lose.

Steps

Step 1

Find a nice, fresh fruit. Make sure that the skin has no unwanted indentations. Drink a couple of litres of water in order to remove all the toxins from your body.

Step 2

You will need to begin your diet by going on a mono-fast for a couple of days. You will need to eat the fruit throughout the day, perhaps in the form of a papaya salad.

Step 3

Whenever you feel hungry, simply eat some more papaya. You may drink the papaya juice once in a while, but do not add sugar to it. This is to cleanse the toxins from your body, including the parasites. It helps in building stronger tissues, and also reduces inflammation. You may experience diarrhoea, but that is normal.

Step 4

After fasting, you can drink warm water with a little lemon in it. Follow this up with a papaya breakfast, maybe a papaya salad. Wait for approximately half an hour, after which you can slowly begin to consume soft food.

Step 5

Avoid processed sugar and flour during the time you keep dieting. You may drink papaya juice if you are looking for some variety. This is extremely important as papaya ensures that anything that has been accumulating in your intestines are removed. The fact that the calories in papaya are minimal helps a great deal along with the fact that the fruit is delicious.

Step 6

Steamed vegetables, fish, legumes, beans etc can be consumed for lunch. You can supplement it with a little papaya juice as well.

Step 7

There is a need to perform abdominal exercises while you are on a diet. Muscles need to be stimulated during this time. The fact that there are very few calories in papaya fruit helps. However, that alone will not do.

You can make a simple salad and juice yourself. If you haven’t consumed papaya prior to this and are wondering how to cut a papaya, then visit our site in order to learn about the same.

Don’t Dream MLM, Live It

You may have been looking at various MLM ventures and want to join one, but there seems to be something bugging you. The nag is at the back of your mind and you cannot seem to shake it. You have worries and fears about joining a business that seems to have an equal amount of fans and enemies. The fears and the constant nagging of negativism can only hold you back so far. There are too many what if’s involved and why miss something that you want to do. It makes little sense to give in to the naysayers. You have done the research, spent the time chatting and emailing various recruiters. Now you cannot decide what to do and here you are, looking for more advice.

Overcome the Fears of MLM

You may have a certain level of fear that is hampering you from joining an MLM opportunity. It is OK to have a certain natural resistance to something new. Life is about change and change can scare the beans out of most people. While it can be difficult to take a step forward, if we do not, we may never truly fly. How much do you want a better life? A life that is open and free to your own interpretation and not to others. Overcome the fear and jump into the sky. Your chute will open; you are not alone on this path. Others want a better situation, a future free from oppression. “De Oppresso Liber” or “To Free the Oppressed” comes from the U.S Green Berets. Liberate yourself from a dull life, take that step forward or be left behind.

Find the Right MLM Opportunity

If you have decided to move forward, congratulations are in order. If not, the rest of this post is not for you. Now there are plenty of MLM opportunities on the internet that are solid and good, but only one may be the right fit. You will have to narrow down the prospects carefully, create a list of what you want and a list that you do not want from an opportunity. This will help you find the right ones to pursue.

Living an MLM Life

After signing up and completing training, you are free to live a full and enriching MLM life. While the journey may have been rough to get here, it is still easier than becoming a Green Beret.

How to Prepare a Bill of Sale Properly

You can prepare a customized bill of sale in five minutes. Learn how to do it properly and how to avoid common pitfalls.

How to prepare a Bill of Sale and how to avoid common pitfalls

A bill of sale form is used to transfer the ownership from a seller to a buyer. The four main bill of sale forms are for: auto, boat, personal property and business.

The Internet made all these forms readily available at a reasonable price.

In five minutes or less, the user can prepare a bill of sale as follows:

Purchase the form and download the form.
Open the downloaded form and print.
Use a pen; fill in the blanks by following the instructions.
Done.

The common pitfalls and their repercussions:

Using a free form download from the Internet. Such forms almost always contain errors and are incomplete.
Using a handwritten bill of sale. Such forms almost always contain errors and are incomplete.
Failing to detail and describe what is being sold. It is important to have what is being sold detailed and described.

Avoiding the three pitfalls listed above can help both the seller and buyer avoid both headaches and expenses down the road. The following are few common examples:

In the event the buyer is unsatisfied with their purchase as they may deem that what they received was not as described. A proper bill of sale including the condition of the item being sold thus resolving such issues.

Using an improper form that does not detail important information. This causes that buyer issues down the road when attempting to resell what was bought. As an incomplete form may lack a vehicle VIN number or boat identification Hull number.

The seller also needs to protect themselves as exemplified here. When selling a car, it is important to include the “Odometer Disclosure Statement”. This provides the seller legal protection in case the buyer alters the odometer in the future when reselling to obtain a better price. In such a case, it is impossible to ascertain who changed the odometer reading. The seller by using a proper form protect themselves from dealing with such possibilities.

There are just few examples. There are many other scenarios.

Is a professionally prepared Bill of Sale a must?

Yes. For a small price, this provides legal protection for the both the seller and buyer and saves them costly expenses and headaches down the line.

Secrets of Bonding 96: Bullies, Banks and Bonding Companies

Growing up I was a tall kid, one of the tallest in my class. I was taught “not to fight,” so sometimes I became a target for (shorter) tough kids who wanted to push around the big guy.

Now that we’re all grown up, I’m glad to say that’s all behind us… or is it?

Let’s look at the case of construction companies. If you are a contractor, you may feel bullied sometimes, by VENDORS who purport to serve you. One of them could be your banker.

Banking Relations for Construction Companies

Working capital is an important financial resource for contractors, especially when starting up a new project. They may have to work for forty five days or more, paying out of pocket for labor and materials before they receive their first money under the contract. Bank credit can be a perfect solution for this.

The new contract is an asset for the company, and the bank can rely on this when lending money. But what happens when the contractor brings the bank a bonded project? They will refuse to lend against that job! Their position is that the rights of the surety conflict with their own.

Bonding Relations for Construction Companies

More bullies: Now let’s look at the surety side. When applying for bonding support, the underwriters ALWAYS ask about banking relations:

  • “Do you have a working capital line?”
  • “How much of it is currently available?”
  • “How is it secured?”
  • “If you do not have a bank line we want you to apply for one. It can help you get through a problem and prevent a bond claim.”
  • “The bank line can help you finance the start of additional projects without depleting your cash position.”
  • “If you are approved by the bank, it helps assure us that you also deserve bonding credit.”

Feel bullied? You should!

The reality is that construction companies may need both bank and surety support. In order to pursue public work (municipal, state, and federal contracts), surety bonds are mandatory.

The bonding company wants you to have a bank, but the bank doesn’t want to support bonded projects. You can’t win!