<?xml version="1.0" encoding="utf-8"?>
<rss version="2.0" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/">
<channel>
<title>Finance:Bankruptcy-Personal Articles from EzineArticles.com</title>
<link>http://EzineArticles.com/?cat=Finance:Bankruptcy-Personal</link>
<pubDate>Wed, 15 Feb 2012 11:56:20 -0600</pubDate>
<image><title>Finance:Bankruptcy-Personal from EzineArticles.com</title>
<link>http://EzineArticles.com/?cat=Finance:Bankruptcy-Personal</link>
<url>http://EzineArticles.com/images/ea_logo.jpg</url>
</image>
<language>en-us</language>
<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[EzineArticles.com is Trusted By Millions as The Source For Quality Original Articles]]></description>
<lastBuildDate>Wed, 08 Feb 2012 11:43:44 -0600</lastBuildDate>
<atom:link rel="hub" href="https://pubsubhubbub.appspot.com" />
<item>
<title>Eliminating a Second Mortgage</title>
<link>http://EzineArticles.com/6832502</link>
<guid>http://EzineArticles.com/6832502</guid>
<pubDate>Wed, 08 Feb 2012 11:43:44 -0600</pubDate>
<description><![CDATA[Distressed homeowners are under-water, in large part due to the burden of a second or "junior" mortgage. Homeowners can now utilize the protections of bankruptcy court to reduce or wholly eliminate a second mortgage.]]></description>
</item>
<item>
<title>What Is All This Hubbub About The Automatic Stay In Bankruptcy?</title>
<link>http://EzineArticles.com/6821136</link>
<guid>http://EzineArticles.com/6821136</guid>
<pubDate>Mon, 30 Jan 2012 09:59:02 -0600</pubDate>
<description><![CDATA[It's no secret that Americans are having trouble making ends meet ever since the economic downturn back in 2008. Over the last couple of years, banks have started lending to ever so stretched thin Americans just to push the money out that they are receiving from bailouts QE1, QE2 and now "the twist".]]></description>
</item>
<item>
<title>What Is The Quickest Way To Become Debt-Free?</title>
<link>http://EzineArticles.com/6821139</link>
<guid>http://EzineArticles.com/6821139</guid>
<pubDate>Fri, 27 Jan 2012 08:59:01 -0600</pubDate>
<description><![CDATA[Over the last 30 years, Americans have become addicted to credit. Being able to buy something now and pay for it later has become the new normal. Back in our parent's days, individuals used to save up for that special vacation or a gift.]]></description>
</item>
<item>
<title>Understanding Bankruptcy Laws In Ohio</title>
<link>http://EzineArticles.com/6832393</link>
<guid>http://EzineArticles.com/6832393</guid>
<pubDate>Wed, 25 Jan 2012 14:05:56 -0600</pubDate>
<description><![CDATA[The purpose of bankruptcy laws in Ohio is to give people in financial crisis a chance for a new financial beginning. Each state has its own laws that govern bankruptcy that apply to their respective residents, even though Federal Courts handle Bankruptcy. These laws are based on the federal statutory law as contained in Title 11 of the United States Code.]]></description>
</item>
<item>
<title>Don't Believe Everything You Read About Filing Bankruptcy</title>
<link>http://EzineArticles.com/6836480</link>
<guid>http://EzineArticles.com/6836480</guid>
<pubDate>Tue, 24 Jan 2012 08:19:48 -0600</pubDate>
<description><![CDATA[With a large number of Americans filing for bankruptcy every year, it's no surprise that bankruptcy is getting a bad rap online. There are many websites on the Internet trashing filing bankruptcy and how it will ruin an individual's life forever. To me it seems suspect, because the source of the information is not coming from individuals after filing for bankruptcy.]]></description>
</item>
<item>
<title>I'm Filing Chapter 7 Bankruptcy, Does the My Spouse Have To File Also?</title>
<link>http://EzineArticles.com/6814205</link>
<guid>http://EzineArticles.com/6814205</guid>
<pubDate>Mon, 23 Jan 2012 09:59:01 -0600</pubDate>
<description><![CDATA[Many people filing for bankruptcy wonder if their spouse has to file also. In today's society, many people enter a marriage or even second marriage with debts from their past. In some cases, one will be virtually debt-free and the other spouse will be buried under past debts with no way out.]]></description>
</item>
<item>
<title>Filing Bankruptcy Should Not Be Considered A Mark Of Shame</title>
<link>http://EzineArticles.com/6814107</link>
<guid>http://EzineArticles.com/6814107</guid>
<pubDate>Fri, 20 Jan 2012 08:59:01 -0600</pubDate>
<description><![CDATA[Many people wonder if they should consider filing bankruptcy. In years past bankruptcy used to be viewed as a sign of failure that would be carried with the individual for years to come on their credit report. However, filing bankruptcy was ideally designed for people who are overwhelmed by financial problems due to various reasons, and who are unable to pay back the outstanding amount of debt owed.]]></description>
</item>
<item>
<title>In 2012 Should You Consider Filing Chapter 7 Bankruptcy?</title>
<link>http://EzineArticles.com/6808832</link>
<guid>http://EzineArticles.com/6808832</guid>
<pubDate>Tue, 17 Jan 2012 08:59:01 -0600</pubDate>
<description><![CDATA[Whether or not someone should file bankruptcy is a big question. Everyone's financial situation is different so this requires a lot of careful consideration. When determining if bankruptcy is the right choice for you, there are some things to consider.]]></description>
</item>
<item>
<title>Why Is Filing Bankruptcy Good For Corporations And Bad For Us?</title>
<link>http://EzineArticles.com/6796693</link>
<guid>http://EzineArticles.com/6796693</guid>
<pubDate>Thu, 12 Jan 2012 09:59:01 -0600</pubDate>
<description><![CDATA[In the past, filing bankruptcy always carried a stigma associated with failure. While many individuals believe people who file for bankruptcy are losers, when a multimillion dollar corporation does it they come out winners and believe it's a great idea. It's interesting how it's perceived differently for some.]]></description>
</item>
<item>
<title>Bankruptcy Laws In Ohio for Filing Personal Bankruptcy</title>
<link>http://EzineArticles.com/6802469</link>
<guid>http://EzineArticles.com/6802469</guid>
<pubDate>Wed, 11 Jan 2012 12:42:44 -0600</pubDate>
<description><![CDATA[Bankruptcy is a legal tool, which aims to help debtors to regain a fresh life; a life free from creditors and mountainous debts. Bankruptcy in Ohio has two main classifications that are the most frequently used by people: Chapter 7 and Chapter 13. For Bankruptcy Laws In Ohio, both chapters are present and available.]]></description>
</item>
<item>
<title>Filing For Bankruptcy To Stop Creditors In Their Tracks</title>
<link>http://EzineArticles.com/6794071</link>
<guid>http://EzineArticles.com/6794071</guid>
<pubDate>Tue, 10 Jan 2012 08:59:02 -0600</pubDate>
<description><![CDATA[Because of the tough economic climate, many people are considering filing bankruptcy.  One of the greatest advantages of filing bankruptcy, besides getting your financial life back in order, is that it will stop those aggressive creditors in their tracks. Yes it is true, when an individual files for bankruptcy their creditors must stop calling them.]]></description>
</item>
<item>
<title>Start Out The New Year By Filing For Bankruptcy</title>
<link>http://EzineArticles.com/6788701</link>
<guid>http://EzineArticles.com/6788701</guid>
<pubDate>Thu, 05 Jan 2012 09:59:01 -0600</pubDate>
<description><![CDATA[As we usher in 2012, the bad financial decisions we made in 2011 will quickly become a lingering memory. Looking back to New Year's one year ago, I remember all the talk of how people were going to get out of debt for their New Year's resolution. One year later, it seems nothing has changed and according to the statistics Americans are going the wrong way.]]></description>
</item>
<item>
<title>Is Bankruptcy Filing Better Than Debt Settlement?</title>
<link>http://EzineArticles.com/6786176</link>
<guid>http://EzineArticles.com/6786176</guid>
<pubDate>Mon, 02 Jan 2012 09:59:01 -0600</pubDate>
<description><![CDATA[With the New Year quickly approaching, Americans can expect to be bombarded by phone calls from debt settlement companies offering them a way out of debt. Because bankruptcy filing carried a negative stigma in the past, most people try to opt out and look for an alternative to bankruptcy. These folks are prime targets for the debt settlement industry.]]></description>
</item>
<item>
<title>Knowing When You Should File for Personal Bankruptcy</title>
<link>http://EzineArticles.com/6785837</link>
<guid>http://EzineArticles.com/6785837</guid>
<pubDate>Fri, 30 Dec 2011 08:51:42 -0600</pubDate>
<description><![CDATA[Spending on luxury goods or personal wants is not really a bad thing--especially if you have the money to pay for it. This is true even if the lifestyle seems lavish. But what if you constantly find yourself running out of money when you need it most or making a purchase using a credit card mostly?]]></description>
</item>
<item>
<title>Rebuilding Credit After Filing Bankruptcy</title>
<link>http://EzineArticles.com/6759025</link>
<guid>http://EzineArticles.com/6759025</guid>
<pubDate>Fri, 23 Dec 2011 08:59:01 -0600</pubDate>
<description><![CDATA[After a bankruptcy filing, rebuilding credit is certainly possible. The process can be compared to gaining a spouse's trust again after they have been unfaithful, it takes time to build confidence in the relationship again. So too does it take time for creditors to build confidence in the debtor who had violated their promises to pay.]]></description>
</item>
<item>
<title>Bankruptcy Basics</title>
<link>http://EzineArticles.com/6764189</link>
<guid>http://EzineArticles.com/6764189</guid>
<pubDate>Tue, 20 Dec 2011 13:13:00 -0600</pubDate>
<description><![CDATA[Bankruptcy should always be considered a last resort after all other efforts to recover from your debt problems have failed. While laws vary from state to state, this article will give you an idea of the basics in relation to bankruptcy.]]></description>
</item>
<item>
<title>Can I Discharge New Debt When Filing Bankruptcy?</title>
<link>http://EzineArticles.com/6756269</link>
<guid>http://EzineArticles.com/6756269</guid>
<pubDate>Mon, 19 Dec 2011 09:59:01 -0600</pubDate>
<description><![CDATA[The debt included in a person's bankruptcy filing sometimes will be scrutinized by the bankruptcy trustee. With a large number of people filing for bankruptcy over the last few years, creditors have put some debtors under the microscope questioning their charges. Usually, if an individual is represented by a bankruptcy attorney, rarely will the bankruptcy trustee find anything of question unless the debtor is not being truthful to their attorney.]]></description>
</item>
<item>
<title>How the Bankruptcy Automatic Stay Can Provide Financially</title>
<link>http://EzineArticles.com/6755889</link>
<guid>http://EzineArticles.com/6755889</guid>
<pubDate>Fri, 16 Dec 2011 12:50:01 -0600</pubDate>
<description><![CDATA[One of the most powerful tools in your bankruptcy arsenal is known as the automatic stay. When you first file a petition with the bankruptcy court, the judge will institute an automatic stay to put all of your financial obligations on hold. What exactly does this mean for your financial future?]]></description>
</item>
<item>
<title>Bankruptcy and Student Loans</title>
<link>http://EzineArticles.com/6755883</link>
<guid>http://EzineArticles.com/6755883</guid>
<pubDate>Thu, 15 Dec 2011 20:09:03 -0600</pubDate>
<description><![CDATA[Before you make the decision to file personal bankruptcy, you need to realize that certain kinds of debt obligations will not be easy to get rid of. These include criminal fines, child support and alimony, and (in many cases) federal income taxes. Unfortunately, student loans also fall into this category.]]></description>
</item>
<item>
<title>Bankruptcy and Fraud: How to Avoid Getting in Trouble With the Bankruptcy Court</title>
<link>http://EzineArticles.com/6755880</link>
<guid>http://EzineArticles.com/6755880</guid>
<pubDate>Thu, 15 Dec 2011 20:08:44 -0600</pubDate>
<description><![CDATA[Despite what many people think about bankruptcy, this process is designed to give honest people a second chance by helping them deal with overwhelming debt. Bankruptcy is not about helping lazy people or deadbeats who simply don't want to pay their bills. If you've ever been in difficult financial circumstances, you know that sometimes you can do your best and still end up in financial disaster.]]></description>
</item>
<item>
<title>Chapter 7 Bankruptcy Rules - Understanding the Process</title>
<link>http://EzineArticles.com/6755885</link>
<guid>http://EzineArticles.com/6755885</guid>
<pubDate>Thu, 15 Dec 2011 18:28:02 -0600</pubDate>
<description><![CDATA[If you're thinking about declaring bankruptcy in order to obtain debt relief, the process can seem scary and complicated. However, with a little bit of proper planning and some good advice from a competent bankruptcy lawyer, the process can become much easier to understand. What exactly do you have to do to declare bankruptcy?]]></description>
</item>
<item>
<title>How Bankruptcy Lawyers Get Paid From Bankrupt Clients</title>
<link>http://EzineArticles.com/6752679</link>
<guid>http://EzineArticles.com/6752679</guid>
<pubDate>Wed, 14 Dec 2011 18:20:32 -0600</pubDate>
<description><![CDATA[Dealing with bankruptcy may bring on a sense of Catch-22 for some people. If you need to file for bankruptcy because you have no money, how do you expect to pay for the attorney who will represent you? Furthermore, if you are unable to file yourself for some reason, how can you file for bankruptcy without a lawyer, whom you can't afford? The notion of finding a firm with a concentration in bankruptcy law may intimidate some people, and perhaps even dissuade one from looking into filing at all as an option. It's important to know that one shouldn't feel ashamed about considering bankruptcy - many factors come into play that you can't necessarily control, and if you have looked into the option you may want to research how to handle fees.]]></description>
</item>
<item>
<title>Life After Bankruptcy - Home Loans For Bankrupt People</title>
<link>http://EzineArticles.com/6752735</link>
<guid>http://EzineArticles.com/6752735</guid>
<pubDate>Tue, 13 Dec 2011 13:13:07 -0600</pubDate>
<description><![CDATA[Nobody wants to contemplate serious financial problems, especially having to file for bankruptcy in order to find some level of debt relief. Once you have the necessary paperwork filed and your case is closed, you then have the opportunity to start fresh and work toward rebuilding good financial health. If you have had to sell a car or house in order to satisfy your debts, you may be curious how to go about finding a new place to live. If you wish to buy a house, how can you obtain a loan to buy one given your recent credit history. A bankruptcy will stay on your record for about ten years - what if you don't want to wait that long to buy?]]></description>
</item>
<item>
<title>If Chapter 13 Did Not Work Out, Can One File For Chapter 7?</title>
<link>http://EzineArticles.com/6745085</link>
<guid>http://EzineArticles.com/6745085</guid>
<pubDate>Mon, 12 Dec 2011 13:09:30 -0600</pubDate>
<description><![CDATA[An individual has an option to file a Chapter 7 or Chapter 13 personal bankruptcy. In Chapter 13, an individual can repay creditors using one's earnings or salary for up to five years before being discharged from one's debt, either fully or most of them. On the other hand, the non-exempted assets of an individual will be liquidated to pay off debts in Chapter 7. An individual who has filed for Chapter but cannot complete the payment plan may be allowed to convert to Chapter 7.]]></description>
</item>
<item>
<title>Improve Your Sex Life Today: File For Bankruptcy!</title>
<link>http://EzineArticles.com/6219351</link>
<guid>http://EzineArticles.com/6219351</guid>
<pubDate>Mon, 12 Dec 2011 09:26:59 -0600</pubDate>
<description><![CDATA[Yep. You read that right. Filing for bankruptcy will improve your sex life.]]></description>
</item>
<item>
<title>Will Filing Bankruptcy Discharge A Secured Credit Card?</title>
<link>http://EzineArticles.com/6727421</link>
<guid>http://EzineArticles.com/6727421</guid>
<pubDate>Fri, 09 Dec 2011 08:59:01 -0600</pubDate>
<description><![CDATA[Unsecured debts are debts that are owed on most credit cards, like MasterCard, Visa, and even gas cards. This means that when the individual files for Chapter 7 bankruptcy, these unsecured debts will be discharged, or wiped out, in the bankruptcy. It doesn't matter if the cards were used for household goods or business expenses.]]></description>
</item>
<item>
<title>Ten Myths That You Need to Know Regarding Bankruptcy</title>
<link>http://EzineArticles.com/6734624</link>
<guid>http://EzineArticles.com/6734624</guid>
<pubDate>Thu, 08 Dec 2011 14:09:25 -0600</pubDate>
<description><![CDATA[Bankruptcy is certainly a scary word and there are a lot of speculations that revolve around this term. However, when you learn the full truth, you will realize that the term does not seem to be as terrifying as it sounded earlier, which was mainly because of our ignorance.]]></description>
</item>
<item>
<title>Filing Bankruptcy And Working With The Bankruptcy Trustee</title>
<link>http://EzineArticles.com/6727455</link>
<guid>http://EzineArticles.com/6727455</guid>
<pubDate>Thu, 08 Dec 2011 09:59:01 -0600</pubDate>
<description><![CDATA[When it comes to filing bankruptcy, many debtors fear the dreaded meeting of creditors. I don't think that individuals filing for bankruptcy are worried about meeting the creditors as much as they are meeting the bankruptcy trustee. Everyone filing Chapter 7 bankruptcy will have a trustee appointed to oversee the entire process.]]></description>
</item>
<item>
<title>Beware, Your Credit Cards May Lead You to Bankruptcy!</title>
<link>http://EzineArticles.com/6734120</link>
<guid>http://EzineArticles.com/6734120</guid>
<pubDate>Mon, 05 Dec 2011 19:58:36 -0600</pubDate>
<description><![CDATA[Credit cards can be a boon or a bane depending on how you make use of them. Swiping a credit card when you want to make a purchase is easy. However, paying back that debt isn't the same. Credit cards carry the highest interest rate, which is why so many people end up in a financial crisis leading to credit card bankruptcy. Bad credit is a difficult issue to deal with, often leading to further complications when it comes to your finances. However, bankruptcy is one situation that ought not to get into under any circumstances.]]></description>
</item>
<item>
<title>Filing Bankruptcy Electronically? Keep A Complete Set Of Bankruptcy Docs</title>
<link>http://EzineArticles.com/6724833</link>
<guid>http://EzineArticles.com/6724833</guid>
<pubDate>Mon, 05 Dec 2011 09:59:02 -0600</pubDate>
<description><![CDATA[Over the last 10 years the Internet has become an invaluable resource even when it comes to filing bankruptcy. When an individual is having financial difficulties the first place they will look for advice is on the world wide web. The Internet has a wealth of information about bankruptcy filing and what's required to file.]]></description>
</item>
<item>
<title>Coping With Creditors and Collection Agencies Right After Bankruptcy</title>
<link>http://EzineArticles.com/6716996</link>
<guid>http://EzineArticles.com/6716996</guid>
<pubDate>Wed, 30 Nov 2011 17:15:03 -0600</pubDate>
<description><![CDATA[Filing for bankruptcy is an extremely big decision to make in your life. While it can certainly help you get a clean start on your financial foreseeable future, it also stays on your credit record for a minimum of seven years. Therefore, it can be very tough to obtain personal lines of credit after filing for bankruptcy.]]></description>
</item>
<item>
<title>When Dealing With Personal Bankruptcy</title>
<link>http://EzineArticles.com/6718611</link>
<guid>http://EzineArticles.com/6718611</guid>
<pubDate>Tue, 29 Nov 2011 10:12:24 -0600</pubDate>
<description><![CDATA[There are two options when an individual has decided to file for a Personal Bankruptcy. These are Chapter 7 and Chapter 13 bankruptcies. Chapter 7 is a liquidation of assets and Chapter 13 is a three to five year repayment plan.]]></description>
</item>
<item>
<title>What Is a Consumer Proposal?</title>
<link>http://EzineArticles.com/6718442</link>
<guid>http://EzineArticles.com/6718442</guid>
<pubDate>Tue, 29 Nov 2011 10:01:34 -0600</pubDate>
<description><![CDATA[A Consumer Proposal is an alternative to bankruptcy. Consumer proposals are for residents of Canada only.]]></description>
</item>
<item>
<title>Filing Bankruptcy? Is There A Formula To Help Make The Decision?</title>
<link>http://EzineArticles.com/6704770</link>
<guid>http://EzineArticles.com/6704770</guid>
<pubDate>Fri, 25 Nov 2011 08:59:01 -0600</pubDate>
<description><![CDATA[In today's Internet age it seems there is a formula for figuring out just about everything. When it comes to filing bankruptcy, technically there's nothing written in stone but there are some strong opinions of when to pull the trigger. Searching the Internet for help is a start, but the best place to get an answer is to speak with a bankruptcy attorney.]]></description>
</item>
<item>
<title>Numbers of Americans Filing Bankruptcy Continue To Rise Since 2005 Changes</title>
<link>http://EzineArticles.com/6704438</link>
<guid>http://EzineArticles.com/6704438</guid>
<pubDate>Mon, 21 Nov 2011 09:59:01 -0600</pubDate>
<description><![CDATA[Back in 2005, Congress believed that too many people were taking advantage of the bankruptcy system and they needed to make changes. They felt that the number of abusive bankruptcy filings was way too high so they introduced the Bankruptcy Abuse Prevention And Consumer Protection Act. The BAPCPA was enacted on October 17, 2005.]]></description>
</item>
<item>
<title>Be Credit Wise After Filing Bankruptcy</title>
<link>http://EzineArticles.com/6688905</link>
<guid>http://EzineArticles.com/6688905</guid>
<pubDate>Fri, 18 Nov 2011 08:59:01 -0600</pubDate>
<description><![CDATA[After the changes to the bankruptcy code back in 2005 debtors are now required to complete pre-bankruptcy credit counseling and post-bankruptcy financial management courses when filing a Chapter 7 or a Chapter 13 bankruptcy. These counseling courses were designed to educate individuals on making better financial decisions in the future as well as to improve their credit worthiness. Post-bankruptcy an individual can put their new found information to use and live on a budget while working to rebuild their credit.]]></description>
</item>
<item>
<title>Allowing Bankruptcy Filing Won't Stop The Student Loan Conundrum</title>
<link>http://EzineArticles.com/6687715</link>
<guid>http://EzineArticles.com/6687715</guid>
<pubDate>Thu, 17 Nov 2011 09:59:01 -0600</pubDate>
<description><![CDATA[For a couple of months now, the Occupy Wall Street movement has gotten a lot of media attention. While no one really knows what they want as there is a mixed bag of groups that are protesting, one common complaint heard is the cost of a college education. Most people who go to college get student loans to pay for their education that many times doesn't pan out.]]></description>
</item>
<item>
<title>Have A Bankruptcy Attorney Negotiate A Loan Mod In Chapter 13</title>
<link>http://EzineArticles.com/6682582</link>
<guid>http://EzineArticles.com/6682582</guid>
<pubDate>Tue, 15 Nov 2011 08:59:01 -0600</pubDate>
<description><![CDATA[Although the numbers for those filing bankruptcy has dropped in some areas and gone flat in others, it's obvious that the economy is not recovering. Unemployment numbers have not dropped below 9% in the last three years and some experts are saying that the actual number of those unemployed is closer to 16% or 17%. It's become apparent that there is a possibility of further reasons of the drop in numbers of those filing for bankruptcy might be that people are just too broke to file bankruptcy.]]></description>
</item>
<item>
<title>Destroying Myths For People Filing For Bankruptcy</title>
<link>http://EzineArticles.com/6679692</link>
<guid>http://EzineArticles.com/6679692</guid>
<pubDate>Mon, 14 Nov 2011 09:59:01 -0600</pubDate>
<description><![CDATA[With huge numbers of Americans filing for bankruptcy, it's no surprise that the Internet has blown up with tons of information regarding bankruptcy. A lot of this information is good, but a lot of it is either outdated or just plain old false. When a person gets to the point where filing for bankruptcy is going to be inevitable they need to have good information so they can plan.]]></description>
</item>
<item>
<title>Chapter 7 Bankruptcy And The 90 Day Rule</title>
<link>http://EzineArticles.com/6679291</link>
<guid>http://EzineArticles.com/6679291</guid>
<pubDate>Thu, 10 Nov 2011 09:59:01 -0600</pubDate>
<description><![CDATA[Many people who file for bankruptcy may or may not be aware of the 90 day rule in bankruptcy. If a person is not sure what this is they should seek the advice of a bankruptcy attorney for clarification. Do not rely on friends, family, or the internet.]]></description>
</item>
<item>
<title>Why Hire A Bankruptcy Attorney If I Can Use Debt Settlement Instead?</title>
<link>http://EzineArticles.com/6672082</link>
<guid>http://EzineArticles.com/6672082</guid>
<pubDate>Mon, 07 Nov 2011 21:59:01 -0600</pubDate>
<description><![CDATA[With the current economic climate many people are looking into ways to reduce their overwhelming debt. Debt settlement programs offer individuals with a decent income but are having trouble making their monthly payments on credit cards, medical bills, personal or payday loans, and other forms of unsecured debt, a way to decrease the amounts owed. The actual settlements on unsecured debts can vary but a savings of up to 50%-60% is common for many.]]></description>
</item>
<item>
<title>Life Is Good When You Are Debt-Free</title>
<link>http://EzineArticles.com/6658534</link>
<guid>http://EzineArticles.com/6658534</guid>
<pubDate>Fri, 04 Nov 2011 08:59:02 -0500</pubDate>
<description><![CDATA[Nothing is better in life then to live without financial worry being debt-free. In today's economy this seems like an impossibility. Americans these days put a high priority on having credit.]]></description>
</item>
<item>
<title>What Happens When You File For Bankruptcy?</title>
<link>http://EzineArticles.com/6663894</link>
<guid>http://EzineArticles.com/6663894</guid>
<pubDate>Tue, 01 Nov 2011 15:41:19 -0500</pubDate>
<description><![CDATA[If you are facing a financial low point, whether due to losing your job or facing a medical emergency that has drained your savings, you may have considered filing for bankruptcy in order to get back on track. If you have consulted with or retained the services of a reputable personal bankruptcy lawyer, you have no doubt received the guidance needed in this trying time. If not, you might wonder what happens after you file. Do you automatically lose everything you have owned - your home, your car, your other possessions - and are you unable to apply for credit? It is important to know what will happen so that you will be prepared mentally.]]></description>
</item>
<item>
<title>In Bankruptcy Timing And Planning Go Hand-In-Hand</title>
<link>http://EzineArticles.com/6655141</link>
<guid>http://EzineArticles.com/6655141</guid>
<pubDate>Mon, 31 Oct 2011 09:59:01 -0500</pubDate>
<description><![CDATA[Just like in life and business, good planning will help you be successful at anything you do as well as save you money. This is the same in a bankruptcy filing. Proper planning will allow the debtor to leave bankruptcy with a successful discharge, were sloppy planning will end up in a disaster.]]></description>
</item>
<item>
<title>Filing Chapter 7 Bankruptcy Reigns Supreme To Debt Settlement And Charge-Offs</title>
<link>http://EzineArticles.com/6650584</link>
<guid>http://EzineArticles.com/6650584</guid>
<pubDate>Thu, 27 Oct 2011 09:59:02 -0500</pubDate>
<description><![CDATA[As the economy continues to swirl around the top of the toilet bowl, in debt and unemployed Americans are searching for ways to avoid filing bankruptcy and still eliminate a mountain of debt. The credit industry has offered many ways to settle credit card debt by accepting a partial payment. This is basically what debt settlement companies negotiate with the creditor for the debtor.]]></description>
</item>
<item>
<title>Is There A Better Option Than Personal Bankruptcy?</title>
<link>http://EzineArticles.com/6641949</link>
<guid>http://EzineArticles.com/6641949</guid>
<pubDate>Mon, 24 Oct 2011 15:20:32 -0500</pubDate>
<description><![CDATA[Many people file bankruptcy because they are in a very dire financial situation and simply do not know what other options are available. The truth is that bankruptcy should be your option of LAST resort, not the first one.]]></description>
</item>
<item>
<title>Is Filing Bankruptcy Still An Option If I Move Out of State?</title>
<link>http://EzineArticles.com/6642905</link>
<guid>http://EzineArticles.com/6642905</guid>
<pubDate>Mon, 24 Oct 2011 09:59:01 -0500</pubDate>
<description><![CDATA[When people are faced with financial difficulties, many times it will force them to move out of the area while seeking work. If a person has been unemployed for a long period of time, there is a possibility that the individual could be planning on filing bankruptcy also. It's no secret that moving out of state can complicate an individual's bankruptcy filing.]]></description>
</item>
<item>
<title>Is Chapter 13 Bankruptcy The Right Choice For You?</title>
<link>http://EzineArticles.com/6641896</link>
<guid>http://EzineArticles.com/6641896</guid>
<pubDate>Mon, 24 Oct 2011 07:45:27 -0500</pubDate>
<description><![CDATA[If you are considering personal bankruptcy, you need to be familiar with the two types of bankruptcy that are allowed. The reason is because the courts, not you, will dictate which chapter you can file for, as this article explains.]]></description>
</item>
<item>
<title>What Does The Bible Say About Filing Bankruptcy?</title>
<link>http://EzineArticles.com/6632652</link>
<guid>http://EzineArticles.com/6632652</guid>
<pubDate>Fri, 21 Oct 2011 08:59:01 -0500</pubDate>
<description><![CDATA[With the moral fabric of the United States changing at an alarming rate, creditors want debtors to still believe that it is immoral to file for bankruptcy. Not knowing the complete truth, many Americans believe that filing bankruptcy is just like stealing. Most people these days come up with moral absolutes that best benefit themselves in this narcissistic society.]]></description>
</item>
<item>
<title>Using The Power Of Chapter 13 Bankruptcy To Thwart A Foreclosure</title>
<link>http://EzineArticles.com/6622761</link>
<guid>http://EzineArticles.com/6622761</guid>
<pubDate>Tue, 18 Oct 2011 08:59:01 -0500</pubDate>
<description><![CDATA[Lately there's been a lot of talk about Chapter 13 bankruptcy. The main reason for this is there are a large number of Americans that are facing foreclosure. Many of these people are the ones that still have a job and make a decent income, but got caught up taking out lines of credit against their home and getting high limit credit cards to buy all of their wants.]]></description>
</item>
<item>
<title>Filing for Bankruptcy Might Be The Best Financial Decision</title>
<link>http://EzineArticles.com/6625273</link>
<guid>http://EzineArticles.com/6625273</guid>
<pubDate>Mon, 17 Oct 2011 09:59:01 -0500</pubDate>
<description><![CDATA[There are many reasons why Americans try to avoid filing for bankruptcy with fear and pride being at the top of the list. It sometimes takes the lack of cash flow and someone sitting on a mountain of bills to force them into filing bankruptcy. For an individual whose life is spiraling out of control because of their finances and is trying to regain that control, filing bankruptcy might be the best financial decision they ever made.]]></description>
</item>
<item>
<title>Debt Collectors Push People Into Filing Bankruptcy</title>
<link>http://EzineArticles.com/6620208</link>
<guid>http://EzineArticles.com/6620208</guid>
<pubDate>Thu, 13 Oct 2011 09:59:01 -0500</pubDate>
<description><![CDATA[One of the top reasons that pushes people off the edge and into filing bankruptcy is the debt collector. Most collection companies work in a gray area, constantly breaking laws just because consumers don't know the rules. People that are tired of dealing with debt collection companies and obnoxious debt collectors use filing bankruptcy and the automatic stay to stop the craziness.]]></description>
</item>
<item>
<title>Tips About Filing Chapter 7 Bankruptcy</title>
<link>http://EzineArticles.com/6619683</link>
<guid>http://EzineArticles.com/6619683</guid>
<pubDate>Wed, 12 Oct 2011 10:55:40 -0500</pubDate>
<description><![CDATA[None of us plans to file bankruptcy later in life but if enormous financial obligations are beginning to beat you, then bankruptcy may be an option to take into consideration. You need to know what to expect, what your possible choices are, and most importantly, recognize that bankruptcy is frequently NOT the only alternative open to you.]]></description>
</item>
<item>
<title>Can My Credit Survive Filing Bankruptcy And Foreclosure?</title>
<link>http://EzineArticles.com/6613843</link>
<guid>http://EzineArticles.com/6613843</guid>
<pubDate>Tue, 11 Oct 2011 08:59:01 -0500</pubDate>
<description><![CDATA[Most people in America believe that their credit will be destroyed by filing bankruptcy or from foreclosure. It is true that a bankruptcy filing will stay on your credit report for 10 years for a Chapter 7 and seven years for a Chapter 13. The good thing is the further away from the bankruptcy filing date, the less impact the bankruptcy will have on their credit score.]]></description>
</item>
<item>
<title>Bankruptcy Can Be A Life Saver</title>
<link>http://EzineArticles.com/6608003</link>
<guid>http://EzineArticles.com/6608003</guid>
<pubDate>Fri, 07 Oct 2011 09:59:02 -0500</pubDate>
<description><![CDATA[Many Americans that are facing bankruptcy due to the economic downturn. Filing for bankruptcy doesn't have to be the end of the world, but just a change of attitude and perception of the way things are. It doesn't look like the economy will be getting better any time soon so it's time for Americans to dig in for the long haul.]]></description>
</item>
<item>
<title>What Is Bankruptcy and What to Expect When Filing</title>
<link>http://EzineArticles.com/6594263</link>
<guid>http://EzineArticles.com/6594263</guid>
<pubDate>Tue, 04 Oct 2011 10:13:09 -0500</pubDate>
<description><![CDATA[What is bankruptcy? Bankruptcy is the legal procedure that a person undergoes when he is unable to pay back his debts. It is a legal process that establishes that a person is no longer able to pay back his debts as promised, the result of which is that once the bankruptcy is discharged his creditors loose legal rights to try and recover the money or file a lawsuit in court regarding their claim.]]></description>
</item>
<item>
<title>Pros and Cons of Filing For Bankruptcy</title>
<link>http://EzineArticles.com/6596892</link>
<guid>http://EzineArticles.com/6596892</guid>
<pubDate>Mon, 03 Oct 2011 14:56:47 -0500</pubDate>
<description><![CDATA[Sometimes it is impossible to prevent personal disaster from occurring. You lose your job, your car breaks down at a most inopportune time, or perhaps somebody in your family comes down with a serious illness. There are bills to pay, and the debts accumulate faster than money earned to pay them off. It may come to a point where you may consider filing for personal bankruptcy in order to find financial assistance, but is that the right step for you to take? You can consult with a bankruptcy lawyer if you are uncertain, but you should know that there are pros and cons involved in filing for bankruptcy.]]></description>
</item>
<item>
<title>Finding A New Job Might Be The Only Thing That Can Save You From Filing Chapter 7 Bankruptcy</title>
<link>http://EzineArticles.com/6590693</link>
<guid>http://EzineArticles.com/6590693</guid>
<pubDate>Fri, 30 Sep 2011 11:58:58 -0500</pubDate>
<description><![CDATA[Bankruptcy is not only for those who are careless with money. Some families might be very comfortable and live within their means and then someone loses their job. The loss of an income can easily push a family into bankruptcy quickly.]]></description>
</item>
<item>
<title>Personal Bankruptcy Has A New Face</title>
<link>http://EzineArticles.com/6590376</link>
<guid>http://EzineArticles.com/6590376</guid>
<pubDate>Fri, 30 Sep 2011 08:59:01 -0500</pubDate>
<description><![CDATA[In the past, the perception of bankruptcy has been just for the poor. Since the economic meltdown back in 2008, bankruptcy is taken on a new face. Now the US is seeing people with six-figure incomes being forced into filing bankruptcy.]]></description>
</item>
<item>
<title>Filing Bankruptcy Will Discharge Those Evil Payday Loans</title>
<link>http://EzineArticles.com/6583757</link>
<guid>http://EzineArticles.com/6583757</guid>
<pubDate>Tue, 27 Sep 2011 08:59:01 -0500</pubDate>
<description><![CDATA[Many Americans are struggling to pay their bills each month and are facing the possibility that a bankruptcy filing might be in their future. When individuals tap out their credit cards they end up only being able to pay the minimum payments to keep the creditors off their back. The downside to this is many of these people can barely afford to live.]]></description>
</item>
<item>
<title>Can I Keep My Car If I File Bankruptcy? Part 2</title>
<link>http://EzineArticles.com/6563214</link>
<guid>http://EzineArticles.com/6563214</guid>
<pubDate>Fri, 23 Sep 2011 10:33:44 -0500</pubDate>
<description><![CDATA[You don't want to lose your car during bankruptcy and you don't have to. In this article, we'll discuss the laws and exemptions that make it possible for you to retain reliable transportation before, during, and after a bankruptcy.]]></description>
</item>
<item>
<title>Retaining a Bankruptcy Lawyer</title>
<link>http://EzineArticles.com/6523042</link>
<guid>http://EzineArticles.com/6523042</guid>
<pubDate>Thu, 22 Sep 2011 15:33:38 -0500</pubDate>
<description><![CDATA[Determining the right bankruptcy lawyer to handle a chapter 7 bankruptcy or chapter 13 bankruptcy lawyer can be a daunting task. Most people spend endless hours online researching bankruptcy and trying to learn all they can. Certainly there's nothing wrong with trying to understand how the bankruptcy laws work and how they may be applied to their situation.]]></description>
</item>
<item>
<title>Bankruptcy Can Be An Economic Stimulus For Those In Serious Debt</title>
<link>http://EzineArticles.com/6574771</link>
<guid>http://EzineArticles.com/6574771</guid>
<pubDate>Wed, 21 Sep 2011 09:59:02 -0500</pubDate>
<description><![CDATA[Over the past few years most Americans have heard of all the bailouts that banks are getting. Even going further than that the federal government came up with a stimulus package to supposedly stimulate the economy but all it did was give the money to large corporations for their pet projects without creating any jobs at all. ]]></description>
</item>
<item>
<title>Advantages to Filing Bankruptcy</title>
<link>http://EzineArticles.com/6544252</link>
<guid>http://EzineArticles.com/6544252</guid>
<pubDate>Thu, 15 Sep 2011 09:59:01 -0500</pubDate>
<description><![CDATA[The number of bankruptcies that have been filed in recent years has far exceeded those numbers that existed in prior generations. This should come as no surprise considering the unusually difficult financial situation most people currently find themselves. Sadly, there comes a certain stigma associated with filing bankruptcy but should there be?]]></description>
</item>
<item>
<title>Chapter 13 Bankruptcy and Foreclosure</title>
<link>http://EzineArticles.com/6544261</link>
<guid>http://EzineArticles.com/6544261</guid>
<pubDate>Mon, 12 Sep 2011 08:59:01 -0500</pubDate>
<description><![CDATA[The foreclosure rate in the United States has reached a pandemic level. There have been millions of foreclosures over the past few years. The number of these foreclosures has shattered annual records.]]></description>
</item>
<item>
<title>Marriage And Bankruptcy</title>
<link>http://EzineArticles.com/6538750</link>
<guid>http://EzineArticles.com/6538750</guid>
<pubDate>Tue, 06 Sep 2011 09:59:01 -0500</pubDate>
<description><![CDATA[In today's society many married couples are filing for bankruptcy. The tough thing is to get to the bankruptcy filing without getting divorced. When a couple enters into a bankruptcy filing they take out their microscopes to look into what caused them to be in this financial distress.]]></description>
</item>
<item>
<title>How to Choose a Banrkuptcy Preparation Service</title>
<link>http://EzineArticles.com/6534356</link>
<guid>http://EzineArticles.com/6534356</guid>
<pubDate>Fri, 02 Sep 2011 15:28:40 -0500</pubDate>
<description><![CDATA[How do you know which bankruptcy preparation service to chose? Here are some guidelines to follow when making that decision.]]></description>
</item>
<item>
<title>Unemployed, Don't Burn Assets When Filing Bankruptcy Is A Better Option</title>
<link>http://EzineArticles.com/6530344</link>
<guid>http://EzineArticles.com/6530344</guid>
<pubDate>Thu, 01 Sep 2011 09:59:03 -0500</pubDate>
<description><![CDATA[There are many Americans these days kicking around the idea of filing for bankruptcy. Just looking around it's obvious why so many people are struggling to pay their bills. Between 2002 and 2008 the credit industry freely gave anyone credit, even your dog if he applied.]]></description>
</item>
<item>
<title>Filing Bankruptcy Might Be Your Only Economic Stimulus</title>
<link>http://EzineArticles.com/6520645</link>
<guid>http://EzineArticles.com/6520645</guid>
<pubDate>Tue, 30 Aug 2011 08:59:02 -0500</pubDate>
<description><![CDATA[This week the Fed chief, Ben Bernanke, is going to discuss the possibility of implementing QE3. Over the last three years the government has been trying to stimulate the economy with first of all, the stimulus package and following up with QE1 and QE2. Not only have any of these stimulus packages worked to stimulate anything other than the banks pocketbooks, they have led the US into further debt.]]></description>
</item>
<item>
<title>How to File Bankruptcy Step by Step</title>
<link>http://EzineArticles.com/6511919</link>
<guid>http://EzineArticles.com/6511919</guid>
<pubDate>Mon, 29 Aug 2011 13:37:36 -0500</pubDate>
<description><![CDATA[Filing Bankruptcy is a stressful time for many debtors. However, it is not as scary as it seems. If you know what steps need to be taken and you know what to expect, it will be a lot less intimidating.]]></description>
</item>
<item>
<title>Filing Bankruptcy Will Eliminate Out-Of-Control Payday Loans</title>
<link>http://EzineArticles.com/6518097</link>
<guid>http://EzineArticles.com/6518097</guid>
<pubDate>Sat, 27 Aug 2011 09:59:01 -0500</pubDate>
<description><![CDATA[With a large number of Americans filing for bankruptcy every year many are asking, what are the causes? Many attribute it to the real estate meltdown back in 2007 and others blame the credit industry for their lackadaisical attitude on how they give credit cards to individuals. In most cases currently, the perfect storm has been created starting with the real estate market collapse.]]></description>
</item>
<item>
<title>Chapter 7 Bankruptcy and the Decision to File</title>
<link>http://EzineArticles.com/6517656</link>
<guid>http://EzineArticles.com/6517656</guid>
<pubDate>Fri, 26 Aug 2011 14:35:09 -0500</pubDate>
<description><![CDATA[When you find yourself unable to pay your bills and unable to get through a meal at home or a television show without a phone call from a collection agent, it's time to take serious action. You may have thought about bankruptcy, perhaps you've done some research on the internet. But you have a reason to stop short of picking up the phone and calling a bankruptcy attorney to take that first step.]]></description>
</item>
<item>
<title>Will Filing Bankruptcy Get My Car Back?</title>
<link>http://EzineArticles.com/6508909</link>
<guid>http://EzineArticles.com/6508909</guid>
<pubDate>Thu, 25 Aug 2011 09:59:01 -0500</pubDate>
<description><![CDATA[With the economy being in the tank for the last three consecutive years, many Americans are struggling to make their household expenses, along with their car payments and credit card debt. A few years back many people over extended themselves trying to live the American dream. Nowhere in the back of their mind were they thinking they would lose their job or just not have enough money to make it because the interest is eating them alive.]]></description>
</item>
<item>
<title>Personal Bankruptcy Advice And Information</title>
<link>http://EzineArticles.com/6503509</link>
<guid>http://EzineArticles.com/6503509</guid>
<pubDate>Wed, 24 Aug 2011 12:54:15 -0500</pubDate>
<description><![CDATA[Becoming bankrupt could cause you, your family or your business financial issues for many years. Many people have huge financial problems but bankruptcy must be the last option with regards to your debt crisis. Getting personal bankruptcy help early so problems can be rectified is very important, but not everyone will realise they are heading into a financial abyss.]]></description>
</item>
<item>
<title>Many Are Filing Bankruptcy Because Of Credit Card Debt</title>
<link>http://EzineArticles.com/6505072</link>
<guid>http://EzineArticles.com/6505072</guid>
<pubDate>Tue, 23 Aug 2011 09:59:02 -0500</pubDate>
<description><![CDATA[Over the last few years the topic of foreclosure has gotten a lot of press. What's funny is, there hasn't been much said about large amounts of credit card debt that Americans have today. Credit card debt is probably the number one thing that causes more bankruptcy filings than anything else.]]></description>
</item>
<item>
<title>Congress Added Credit Counseling To Bankruptcy - They Should Take Their Own Advice</title>
<link>http://EzineArticles.com/6502381</link>
<guid>http://EzineArticles.com/6502381</guid>
<pubDate>Sat, 20 Aug 2011 09:59:01 -0500</pubDate>
<description><![CDATA[After listening to all the talk about raising the debt ceiling, it dawned on me about the changes that Congress made to the bankruptcy code in 2005. When the bankruptcy code changed in 2005, Congress added a pre-and post-bankruptcy credit counseling course that was required for every one filing for bankruptcy. And then it clicked, it's obvious that Congress should take their own advice and have a rule before anyone can come into the House of Representatives or the Senate, they'll be required to take credit counseling to explain what it means to spend more than you have coming in...]]></description>
</item>
<item>
<title>Keep Your Eye On The Prize When Filing Bankruptcy</title>
<link>http://EzineArticles.com/6496499</link>
<guid>http://EzineArticles.com/6496499</guid>
<pubDate>Fri, 19 Aug 2011 08:59:01 -0500</pubDate>
<description><![CDATA[You can't turn on the TV today without hearing about all the politicians gearing up for the election in 2012. With so much negativity in the economy, this next election is going to be a mudslinging bloodbath. Truthfully, it couldn't have worked out better for the Republicans as the current president hasn't been able to spend his way out of a recession.]]></description>
</item>
<item>
<title>Things That Will Determine If You'll Be Approved For a Credit Card After Bankruptcy</title>
<link>http://EzineArticles.com/6501725</link>
<guid>http://EzineArticles.com/6501725</guid>
<pubDate>Thu, 18 Aug 2011 14:44:17 -0500</pubDate>
<description><![CDATA[Filing for personal bankruptcy is hardly a goal we wish to accomplish, but given hard times in the recent economy, good hard-working people may have to turn this corner in order to resolve financial problems. If you have had to deal with such issues, know that you are not alone, and with the assistance of a reputable bankruptcy attorney you can turn your life around and get back into financial shape. You may wonder, though, how easy it will be to get a credit card once you have passed these hurdles.]]></description>
</item>
<item>
<title>Can I Keep My Car If I File Bankruptcy?</title>
<link>http://EzineArticles.com/6491030</link>
<guid>http://EzineArticles.com/6491030</guid>
<pubDate>Wed, 17 Aug 2011 13:01:14 -0500</pubDate>
<description><![CDATA[If the thought of losing a vehicle makes you wary of filing bankruptcy, I will tell you this: Don't worry - you don't have to lose your car in a bankruptcy! The bankruptcy code and state exemptions are designed to help protect your interest in your vehicle(s).]]></description>
</item>
<item>
<title>Don't Listen To Myths About Filing Bankruptcy And Debt Collection</title>
<link>http://EzineArticles.com/6491826</link>
<guid>http://EzineArticles.com/6491826</guid>
<pubDate>Mon, 15 Aug 2011 08:59:01 -0500</pubDate>
<description><![CDATA[With the explosion of the Internet over the last 10 years, there have been many good things that have come with it. Playing the devil's advocate, there has been a lot of bad also. The first place people search for information on any subject is on the World Wide Web.]]></description>
</item>
<item>
<title>Retirees Put In Bankruptcy From Their Adult Children</title>
<link>http://EzineArticles.com/6489520</link>
<guid>http://EzineArticles.com/6489520</guid>
<pubDate>Sat, 13 Aug 2011 09:59:01 -0500</pubDate>
<description><![CDATA[In the past, once the kids became of age they moved out, got a job and supported themselves. Lately, there has been a reemergence of adult children moving in with their parents. It's easy to understand some of the reasons for this phenomenon.]]></description>
</item>
<item>
<title>The Correlation Between The Real Estate Bubble And Personal Bankruptcy</title>
<link>http://EzineArticles.com/6481212</link>
<guid>http://EzineArticles.com/6481212</guid>
<pubDate>Tue, 09 Aug 2011 13:33:11 -0500</pubDate>
<description><![CDATA[This article attempts to establish a correlation between the real estate bubble and the rise in the number of bankruptcy filings. It is the belief of the author that there is a direct link that when the real estate bubble burst, there is an increase in the number of personal bankruptcy.]]></description>
</item>
<item>
<title>Bankruptcy Filing Options (Yes You Have Options)</title>
<link>http://EzineArticles.com/6428325</link>
<guid>http://EzineArticles.com/6428325</guid>
<pubDate>Fri, 05 Aug 2011 11:39:31 -0500</pubDate>
<description><![CDATA[Times are hard these days, due to an increase in unemployment and the rising cost of the essential things we need to live. These hard times are causing millions of hard working Americans to turn to bankruptcy as their only relief. Sure there are other options for debt relief, but it all comes down to this: "if you don't have it, you just don't have it." There is no magical solution that is going to multiply the money you are lacking.]]></description>
</item>
<item>
<title>Dishonesty Is A Partial Cause Of Many Filing Bankruptcy</title>
<link>http://EzineArticles.com/6455920</link>
<guid>http://EzineArticles.com/6455920</guid>
<pubDate>Mon, 01 Aug 2011 09:59:03 -0500</pubDate>
<description><![CDATA[In today's society it seems that people are no longer shocked when they hear about corruption. It is everywhere you look from the top down to the bottom. The security business is booming because of all the liars, cheaters, thieves and crooks everywhere you turn.]]></description>
</item>
<item>
<title>Being Debt Free After Bankruptcy</title>
<link>http://EzineArticles.com/6450266</link>
<guid>http://EzineArticles.com/6450266</guid>
<pubDate>Fri, 29 Jul 2011 08:59:02 -0500</pubDate>
<description><![CDATA[The words "bankruptcy" and "debt free" generally are not mentioned together in the same sentence. Most people file for bankruptcy because they are in dire economic straits. Their debts far exceed their cash flow and net worth making it impossible to pay off their obligations.]]></description>
</item>
<item>
<title>A Comparison of UK and Irish Bankruptcy Procedures</title>
<link>http://EzineArticles.com/6451306</link>
<guid>http://EzineArticles.com/6451306</guid>
<pubDate>Wed, 27 Jul 2011 11:07:15 -0500</pubDate>
<description><![CDATA[If you are living in Ireland and are contemplating going bankrupt, you will need to give some consideration between the two available systems. Is it better for you to go bankrupt in Ireland or England. Here's my analysis.]]></description>
</item>
<item>
<title>Filing for Bankruptcy - The Goal of Becoming Debt Free</title>
<link>http://EzineArticles.com/6452791</link>
<guid>http://EzineArticles.com/6452791</guid>
<pubDate>Wed, 27 Jul 2011 09:59:01 -0500</pubDate>
<description><![CDATA[There is no doubt that a foreclosure can be an upsetting thing for most people. But what you might not know is that you can delay a foreclosure with a Chapter 7 bankruptcy or even use a Chapter 13 bankruptcy to help you save your home as well. Typically, when a person does a bankruptcy filing, the reason is that their payments have fallen too far behind and there is no clear way to catch things up.]]></description>
</item>
<item>
<title>The Benefits When You File For Bankruptcy</title>
<link>http://EzineArticles.com/6446350</link>
<guid>http://EzineArticles.com/6446350</guid>
<pubDate>Mon, 25 Jul 2011 10:59:01 -0500</pubDate>
<description><![CDATA[Life is very difficult sometimes. Sometimes it creeps up on us and we simply must find a way out of the financial situation we are in. This is when bankruptcy comes into play.]]></description>
</item>
<item>
<title>How Chapter 7 Bankruptcy Helps Me?</title>
<link>http://EzineArticles.com/6439820</link>
<guid>http://EzineArticles.com/6439820</guid>
<pubDate>Sat, 23 Jul 2011 09:59:01 -0500</pubDate>
<description><![CDATA[For some people Chapter 7 bankruptcy can be the solution to some of their problems. When you are working with a bankruptcy attorney on this, you will find that you maintain the legality of the process and get the maximum possible results. In fact, it is important that you understand the ways that this Chapter 7 bankruptcy process can help you.]]></description>
</item>
<item>
<title>The Wall Street Journal Confirms That Debtor's Prisons Are Returning to America!</title>
<link>http://EzineArticles.com/6429334</link>
<guid>http://EzineArticles.com/6429334</guid>
<pubDate>Tue, 19 Jul 2011 11:16:42 -0500</pubDate>
<description><![CDATA[I wrote about this in a previous article but now the Wall Street Journal has confirmed that there is indeed a widespread use of what appear to be debtor's prisons in many states in America even though such practices were outlawed federally and in most states in 1833. This practice is increasing with the deepening and lengthening of this recession. So just when people are hardest hit by job loss, high unemployment, higher commodity prices, and housing price collapse, they are also getting hit with being put in jail for owing purely private debts.]]></description>
</item>
<item>
<title>Debtor's Prisons Are Making Their Ugly Return to America After Being Outlawed 200 Years Ago!</title>
<link>http://EzineArticles.com/6429306</link>
<guid>http://EzineArticles.com/6429306</guid>
<pubDate>Tue, 19 Jul 2011 09:14:24 -0500</pubDate>
<description><![CDATA[There are numerous articles posted online that describe cases where people appear to have been put in jail in some states for merely owing monetary debts. This can happen to debtors who either owe money to the court or to private parties. And this has happened in spite of the fact that debtor's prisons were outlawed federally in 1833.]]></description>
</item>
<item>
<title>After A Bankruptcy Filing And Already Getting Credit Card Offers</title>
<link>http://EzineArticles.com/6431049</link>
<guid>http://EzineArticles.com/6431049</guid>
<pubDate>Mon, 18 Jul 2011 09:59:01 -0500</pubDate>
<description><![CDATA[One of the hardest things for an individual filing for bankruptcy is to give up their credit cards. A common question that many people ask their bankruptcy attorney when filing is, can I keep one of my credit cards as long as I can continue paying on it? It's pretty crazy to even ask that.]]></description>
</item>
<item>
<title>Use A Bankruptcy Attorney To Modify Secured Debts</title>
<link>http://EzineArticles.com/6425741</link>
<guid>http://EzineArticles.com/6425741</guid>
<pubDate>Fri, 15 Jul 2011 10:59:01 -0500</pubDate>
<description><![CDATA[Nowadays, everywhere you turn you hear about someone filing bankruptcy. When most people think of the word bankruptcy, they are thinking of chapter 7 or liquidation. Chapter 7 bankruptcy is probably the most common type filed, when it comes to personal bankruptcy.]]></description>
</item>
<item>
<title>Bankruptcy: Filing Without An Attorney</title>
<link>http://EzineArticles.com/6408078</link>
<guid>http://EzineArticles.com/6408078</guid>
<pubDate>Thu, 14 Jul 2011 12:50:18 -0500</pubDate>
<description><![CDATA[Any American consumer can file bankruptcy without an attorney, but doing so can be a costly mistake. The penalties for making a mistake can be severe.]]></description>
</item>
<item>
<title>Life After a Bankruptcy Filing</title>
<link>http://EzineArticles.com/6424597</link>
<guid>http://EzineArticles.com/6424597</guid>
<pubDate>Thu, 14 Jul 2011 11:59:01 -0500</pubDate>
<description><![CDATA[The topic of bankruptcy is one that can be covered from a variety of different angles. Usually, the topic is addressed from the perspective of someone that is contemplating filing for bankruptcy. This would certainly make sense since most people in need of information on the subject are likely those individuals seeking to file bankruptcy.]]></description>
</item>
<item>
<title>Discharging Debt Through Chapter 7 Bankruptcy</title>
<link>http://EzineArticles.com/6403146</link>
<guid>http://EzineArticles.com/6403146</guid>
<pubDate>Fri, 08 Jul 2011 08:59:02 -0500</pubDate>
<description><![CDATA[Bankruptcy for many people is a difficult decision to come to. When it finally comes to the point where you need to weigh your options, you will need to sit down and take the time to consider either Chapter 7 bankruptcy or Chapter 13. Take a moment to look at what you are able to do when you consider Chapter 7.]]></description>
</item>
<item>
<title>Is It Feasible To Convert Chapter 7 Bankruptcy Into A Chapter 13?</title>
<link>http://EzineArticles.com/6392629</link>
<guid>http://EzineArticles.com/6392629</guid>
<pubDate>Wed, 06 Jul 2011 11:43:04 -0500</pubDate>
<description><![CDATA[Among the requisites for applying Chapter 7 is that a debtor should not be able to manage paying back his or her own financial obligations and is having a hard time fulfilling basic needs. In the event that someone's source of income has changed, only then can a person be permitted to seek a conversion from Chapter 7 to a Chapter 13 bankruptcy. Other than increase of cash flow, an individual should have unsecured debt that is under $360,475. The U.S. bankruptcy court likewise prohibits individuals who have financial obligations of much more than $1,081,400 from filing a Chapter 13.]]></description>
</item>
<item>
<title>The Ins and Outs of Chapter 13 Bankruptcy and Foreclosure</title>
<link>http://EzineArticles.com/6396271</link>
<guid>http://EzineArticles.com/6396271</guid>
<pubDate>Tue, 05 Jul 2011 08:59:01 -0500</pubDate>
<description><![CDATA[There are many rules associated with bankruptcy, as you more than likely already know, and there are six basic types of bankruptcies set under the Federal Rules of Bankruptcy Code. There are some that result in a discharge of all debts, but Chapter 13 Bankruptcy is not one of them. Instead, this is simply for people who need to catch up.]]></description>
</item>
<item>
<title>Harassing Creditors and Bankruptcy</title>
<link>http://EzineArticles.com/6389235</link>
<guid>http://EzineArticles.com/6389235</guid>
<pubDate>Fri, 01 Jul 2011 16:02:44 -0500</pubDate>
<description><![CDATA[Dealing with overbearing and invasive debt collectors can be frustrating and overwhelming. Incessant phone calls, threatening letters; even visits to your home or work, debt collectors can be ruthless. Many people are unaware that filing for bankruptcy can put a stop to the all the relentless debt collection attempts.]]></description>
</item>
<item>
<title>The Benefits of Filing Bankruptcy</title>
<link>http://EzineArticles.com/6392541</link>
<guid>http://EzineArticles.com/6392541</guid>
<pubDate>Fri, 01 Jul 2011 08:59:01 -0500</pubDate>
<description><![CDATA[The notion that there are benefits to filing bankruptcy may seem more than a bit obtuse to some. After all, what is so beneficial to having to legally declare your debts far exceed your income and your ability to pay back your debts is nearly impossible? The answer is found in the protections you would gain from filing for bankruptcy.]]></description>
</item>
</channel>
</rss>
