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10 Acne Truths and Myths You Need To Know!
Reports show that over 90 percent of all adolescents and almost 25 percent of all adults are acne sufferers. And although acne affects about 50 percent of all adult women, acne does affect males and females worldwide, regardless of nationality. ...
Allergies
"Allergies" - a massive subject and one which affects more than
55 million Americans.
Apart from the North Americans, allergies also affect a large
number of the rest of the world's population - close to 40 per
cent, in fact, will, at one...
Permanent Weight Loss & Your Subconscious Pictures
Copyright 2005 Burris MIND/FITNESS
The second component of Burris MIND/FITNESS is your subconscious pictures. I will explain how to replace your negative subconscious images into positive images through the practice of controlled visualization....
The Difference Between Arthritis and Rheumatism
'Rheumatism' is a traditional and non-specific term used in the East and West to refer to a variety of conditions affecting the bones, joints, skin, heart, kidneys, lungs. This term is rapidly falling out of favour in the West today because modern...
USA Leads the World ... In Medical Errors
Based on a comparison of health care systems in six nations, the
2005 Commonwealth Fund International Health Policy Survey found
that America led the rest in inefficient care and medical errors.
Improper Treatment 34 Percent of the Time
...
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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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