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Be A Cancer Survivor-- Advice About Successful Treatment Methods
Although cancer is the second leading cause of death in the United States, the survival rate for many types of cancer has remarkably improved in recent years. About 1 million new cases of cancer will be diagnosed in the United States this year, and...
Learn How to Relax, Then Do It
Copyright 2005 Daniel Sitter
Go,go,go. That is the pace of the world we live in. A century
ago, life was less complex, more restful, operating at a much
slower pace and certainly more peaceful. Today, prescriptions
for dealing with...
What Are Your Wellness Needs?
As we go about our busy lives, our wellness needs doesn't often
come to mind. In fact, probably until you read the title of this
article, it never even crossed your mind. But even when we are
well, we have needs that help us to sustain that...
What Causes Hair Loss?
Hair loss is a common problem faced by many people all around the world. There are various reasons behind hair loss. Let us look at some of the major causes and their remedies:
Hormonal problems may cause hair loss. If your thyroid gland is under...
You Don't Need a Juicer to Juice.
To juice or not to juice. That is a juicy question these days.
There are those against it, saying that you are better off eating the fruit or vegetable whole because whole foods are better assimilated by the body and contain that ever-important...
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Bankruptcy:a paradox
Cash cannot be bound up in chains to prevent escape. It will flow inevitably and bidirectionally- in and out. So, bankruptcy or financial hardships have to be accepted that way.But the situation need be got rid of and we will tell you how.
Bankruptcy to the layman might mean only complete debt and a cash strap, but to the financial dealers it means the solution too. It is such a paradox to have both the disease and the medicine by the same name.
Every body at some point of time are in debt . Then they take loans and sign a deal but when the terms are breached due to inability to pay , one becomes bankrupt. This condition needs to be declared formally . Prior to the declaration legal counsel is a must.
This declaration can be made by two parties:
•The debtor himself i.e. Voluntary Bankruptcy
•The creditor or lender i.e. Involuntary Bankruptcy
When the condition is officially declared only then can one avail of any Bankruptcy scheme .The legal process is cut out to suit different people and helps one eliminate the debts or repay them.This is available in a number of ways:
By formulation of a new repayment plan
By reducing the percentage for payment
By availing of a short delay to regroup resources
These options need be properly studied and clubbed with an experts views, before deciding .
The individuals involved in the legal process are:
•Debtor- who will be subject to the procedure
•Creditor- who suffer during a bankruptcy
•Bankruptcy Judge- who chairs the hearing of the case
•Case Trustee- who is
appointed to check the assets of the debtor and submit report to the Judge.
The Federal Bankruptcy Act has designed a format for those liquidated (both individuals and firms) . The proceedings are as follows:
Chapter 7 or Liquidation Bankruptcy or Straight Bankruptcy-This involves taking an account of the assets of the debtor , appointing a trustee and selling them off. This is done to discharge the balance of creditors.
Chapter 11 – This is applicable to a corporation only and it helps normal operation to continue. Nevertheless it is costly and complex.
Chapter 12 – This is formulated for farmers , and this too involves non-interference in work.
Chapter 13 – For all those who have a fixed income source, this scheme uses this income to pay off the debt in installments.
The Bankruptcy rate of each country is of importance in deducing the economic state .This also a yardstick for international organizations to sanction funds.
Even if one avails of the proceedings of Chapter 7 ,one gets a clean slate to begin afresh but it would remain on record for upto 10 years in ones credit history.
Bankruptcy could prove to be a pain in the neck and a credit history blotter but there are ways and means to get past it with a new lease of life.
For further queries you are welcome to log onto
http://www.mortgagekb.com
About the Author
Lance Wiliams is an accomplished contributing writer presently working in association with
http://www.mortgagefit.com.
He specialises in mortgage and real estate arena.
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