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35 Surefire Ways to Kill a Meeting
35 Surefire Ways to Kill a Meeting translates into how to run a meeting. 1. Play “find the meeting” by changing the location and time of your meeting at the last minute. 2. Don’t bother to book your meeting room in advance. Lead the group from room...
Continuing Education Meeting Management the Focus of gomembers, Inc. participation at ACME Chicago
August 4, 2004 FOR IMMEDIATE RELEASE Continuing Education Meeting Management the Focus of gomembers, Inc. participation at ACME Chicago [Herndon, VA] --- Attendees at the recent Alliance for Continuing Medical Education (ACME:...
Contract Management Software: the Solution to the Problem of Coordination
Charles Petrie, from Stanford, released a short article entitled “The Problem of Coordination,” which highlights 4 categories in which businesses find it difficult to connect: Interoperability Agent Communication Semantic Unification Coordination...
DREAMS ABOUT MONEY
Dream One. I was on a curvy road that led to Fort Knox, Kentucky. Beside the road, were several people who shouted "go on, go on" and gestured for me to go on down the road. Suddenly, at a bend in the road, I encountered several huge men, dressed to...
Google Adwords – Online Riches Without Owning A Website Or Product!
Did you know that you can make money from Google Adwords without having a product to sell, or even a website? It’s true and there are many people all around the world quietly making lots of money doing it. So how do you do it? ...
 
Mandatory Credit Counseling for Those Considering Bankruptcy

Most Americans are aware of the sweeping changes in U.S. bankruptcy law that were made by Congress recently. These changes, strongly supported by the credit card industry, were designed to make it more difficult for Americans to file for bankruptcy under Chapter 7 of the Federal bankruptcy code. Chapter 7 allows consumers to essentially have all of their debts wiped away by the court. While many people will still be able to file under Chapter 7, many more will have to file under Chapter 13, which requires the establishment of a repayment plan. A less publicized provision of the bankruptcy bill is the one that requires debtors who are considering filing for bankruptcy to first undergo credit counseling. What does this mean for consumers?

Actually, the details are not yet known. The law, which takes effect on October 17, 2005, does require that debtors considering bankruptcy receive credit counseling at least six months before filing for bankruptcy. The law also requires that they receive additional counseling before the case is finalized and that any agency providing counseling services must charge an undefined “reasonable fee.” Other than that, there are no details yet. The portion of the law that deals specifically with credit counseling hasn’t yet been written, and the full


details are not expected to be released until mid-summer. Even those who work in the credit counseling industry do not know what will be expected of them once the law takes effect.

For consumers with problem debt, this confusion is only making a bad situation worse. In the Fall, more steps will be required of those filing for bankruptcy, but no one knows what those steps are, what they will cost, or how involved they will be. Anyone who has a current financial situation that they feel may lead to bankruptcy would be well advised to consider filing now. Bankruptcy should be considered a last resort for those with problem debt, as a bankruptcy filing will stay on a credit report for at least ten years. If bankruptcy appears inevitable, however, filing now will probably be easier, cheaper, and faster than filing after the new law takes effect in October.


About the Author

©Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a Website devoted to debt consolidation information and StructuredSettlementHelp.com, a site devoted to information on structured settlements.

 

Finance - Leases-Leasing Ezine Articles
EzineArticles.com allows ezine or email list publishers to upload or download free expert content that can be used within email newsletters or websites.
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Finance: Leases Leasing Articles from EzineArticles.com
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Leases Leasing - Money & Finance Articles
Leases Leasing - Money & Finance Articles. Money & Finance | Accounting & Payroll | Bankruptcy | Business & Loans | Credit Tips | Currency-Trading ...
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Finance » Leases Leasing » Absolute Article Directory
Absolute Article Directory: Finance, Leases Leasing.
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Leases Leasing
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Long Term Car Rental Italy Auto Rentals Leases Leasing Rome Milan Florence One Way Paris London Frankfurt Madrid Lisbon.
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Projector leasing programs and services. Choose a company.
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Blue Book retail & trade-in value reports on used vehicles. Kelley features prices on used cars, trucks, street and dirt bikes, ATVs, scooters, ...
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Entertainment Guide - Leases-Leasing
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