How to Report Telephone Abuse by Collection Agencies

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Debt collectors have the right to call you in order to collect on debts they have been hired to collect. However, the Fair Debt Collection Practices Act (FDCPA) established certain guidelines that they must abide by. Debt collectors cannot call before 8 a.m. or after 9 p.m. Once they receive a cease

Recovering From Bankruptcy

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You might be tempted to jump right back into home ownership when you finish bankruptcy proceedings, but some people will tell you this is not a good thing to think about doing. For one, you have yet to show potential lenders that you are a worthwhile investment. Also, you need time to build credit,

Bankruptcy - Automatic Stay - How Can it Help You Out of Your Financial Woes?

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Unfortunately, a great number of us are now familiar with the stress of excessive debts and the terror of the daily phone calls from creditors demanding money that we simply do not have. If you are one of the very unfortunate people who are in a situation where you are entirely unable to pay your de

What Happens to Stocks When a Company Files Chapter 11 Bankruptcy?

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When a company is not earning enough revenue to make its debt payments, it may choose to file for Chapter 11 bankruptcy. If a judge approves the bankruptcy, the company continues to operate but cannot make major corporate decisions without the approval of the bankruptcy court. Since a Chapter 11 ban

The Benefits Of Filing For Chapter 7 Bankruptcy

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Some people believe that filing for Chapter 7 bankruptcy is never a good idea. Contrary to this belief, there are many reasons why some people should take this route.

Bankruptcy - What Bankruptcy Really is and How Can it Help Your Debt Case With Debt Relief

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Credit card debt has become a hot debate in the US. More than 50 percent users have not paid their Credit card bills and are down in debt. They have been looking for debt relief without any success. There are many solution providers in the fray and are trying to make profits from the debtors. Many o

General Bankruptcy Questions

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When filing for bankruptcy, a 341(a) Meeting of Creditors is scheduled within 40 days of filing the petition to the court. The person(s) filing for bankruptcy must attend the meeting with a court-appointed trustee. The meeting does not take place in front of a judge, but answers to...

Bankruptcy Podcast Downloads

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Nowadays television has become obsolete in comparison with computers, for we can find all the information we need on the Internet, as well as free downloads for music, programmes and videos. With iPods you can download any type of music for free and have such a wide range of choice that other forms

About Consolidating Debt

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Consolidating debt is an easy task in theory; you take some or all of your credit accounts and combine them into one account so you can enjoy streamlined finances as well as a potentially lower interest rate and monthly payment. The trick is to find a lender willing to consolidate all your debt into

What Percent Can My Wages Be Garnished in New Jersey

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Wage garnishment is a legal method of collecting on a judgment by withholding a portion of each paycheck to pay outstanding debt. Both New Jersey State and federal laws limit garnishment amounts for most debts. Garnishment limits depend on your earnings, household size and the type of debt owed. Nea

Bankruptcy Or Debt Settlement? - Which is a More Financially Wise Decision?

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It has always been said that change is the only constant thing in life. And now as the world goes through its evolution process, this time rather than progressing, the world has faced some throwing back on its path. All the countries of the world are facing a downfall in economy and as a result ther

How Do People Get Themselves Into Debt?

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How to Find Money Owed to You From a Class Action Lawsuit

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Consumers in the United States are protected by certain consumer rights laws that protect against organizations which may not have the consumer's best interest at heart. If one of the many organizations doing business in the U.S. market violates consumer rights laws, a class action lawsuit can be fi

Who May File a Chapter 7 Bankruptcy

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Since they changed the bankruptcy laws in 2005 who may file a chapter 7 bankruptcy has changed. This chapter of bankruptcy is a total personal discharge for the person who qualifies.

Should a Chapter 7 Debtor Reaffirm a Mortgage?

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Many people who file chapter 7 bankruptcy keep their homes. They keep paying the mortgage or mortgages, pay the insurance and taxes. You have a Chapter 7 discharge, you cannot be sued personally if you default, unless you sign a reaffirmation agreement with the mortgage company that is timely filed

The Proper Way to Lay Out & Dig Footers

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Footers are concrete slabs placed in the ground underneath a building. The footers are placed beneath the frost line and provide support for the building's foundation while protecting it from the shifting that occurs from the freeze/thaw cycle. The footers are built by pouring concrete into wooden f

When Are You Not Liable for Your Spouse's Taxes?

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If you file your income tax returns jointly with your spouse, the Internal Revenue Service looks at you both as a single entity. That means that your refund is reduced by any taxes your spouse owes and vice versa. In most situations, you are liable for your spouse's tax debt. However, if there are c

Debt Settlement Or Bankruptcy? What Is Better For Your Financial Situation?

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People have been suffering from massive credit card problems for a long time. The continuous wave of recession is the main cause due to which people have lost their sources of income. They were relying on their income sources to return their credit card payments.

Chapter 13 Bankruptcy Laws in New York

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Filing for Chapter 13 bankruptcy won't solve your debt problems overnight. You'll have to spend several years paying off your creditors before a court will agree to wipe out your remaining debts. While you're going through bankruptcy, however, you'll be protected by an automatic stay that prevents c

Use Bankruptcy to Stop Wage and Bank Account Garnishments

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Use Bankruptcy to Stop Wage and Bank Account Garnishments