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Benfotiamine - A New Tool In Preventing Diabetic Complications?
Benfotiamine made headlines globally in 2003 when researchers released information about a study that was conducted at The Einstein College of Medicine in New York. The bottom line of this study was that a substance of the allithiamine group of the...
Get lean, Mean and Green This Summer
In the summer, we need to pay special attention to ourselves mentally, physically and attitudinally, and to the special summer needs of our consumers/clients. Get lean--eat light. Get mean--watch your focus and intentionality, and be optimisitc,...
How Do I Choose The Best Arthritis Medicine?
Are you spending a fortune on prescription arthritis medicines? Are they helping? Are you concerned about side effects? You may think a particular drug is a miraculous godsend. Yet, someone you know may take the same dose only to experience...
Sinus Infection Symptoms, Antibiotics, and Alternative Medicine
Modern Living, Complex Health Problems
In our post-modern industrial polluted stress-filled bad-diet culture, no one's health is simple. We are plagued by complex long-term illnesses like lupus, rheumatoid arthritis, chronic fatigue,...
Taking Nutrition Seriously
The importance of good nutrition is nothing new. Back in 400 B.C., Hippocrates said, "Let food be your medicine and medicine be your food." Today, good nutrition is more important than ever. At least four of the 10 leading causes of death in the...
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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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