Financial Health?
Unpaid bills are a symptom, and a disease at once, and they speak volumes about your financial health. But you are not the only one suffering from this disease that is spreading its wings across the length and breadth of the country. Commonly seen amongst middle income families, and the worst thing would be to let the problem (the debt) grow. The consequences of financial health are unprecedented.
End of the Road?
No, almost never. There are solutions to cure your financial ill-health and many of the other pages of this website will guide you through ways of tackling it. Everything from improving relationships with your creditors, to reducing your debts, and helping you manage your money—the whole range of problems sorted out for you, right here. These are solutions that will make your today comfortable, and your tomorrow even better.
How Do I Know if I am Affected?
Your account books are a good place to start checking. Unpaid bills, repeated calls from bill collectors; signs that you are probably in some sort of a financial trouble. If you're having difficulty stretching your paycheck to pay monthly bills, you need to act Now!
Action Plan
Review your situation in detail. Check if all the pending amounts against your name valid and there are no disputes on any of the debts. Contact your creditors and inform them about your situation. Explain the reasons because of which you are unable to make timely payments. If your creditor understands your situation it puts you in a relatively comfortable situation even though you still need to be very careful. Keep in mind that there are laws in place to protect you from any sort of harassment on the part of the creditor.
Self help: First of all, stop all the excess unnecessary spending and budget your expenses. Itemize your expenses as necessary and optional. Create a spending plan which will at least ensure that you don’t accumulate any more debt. Start using your savings to pay back your debts, and also looking for any additional resources that you can think of. Additional sources can be Governmental assistance such as unemployment compensation, food stamps, Medicaid, and others.
Credit Counseling: As for the new Bankruptcy law Credit counseling is a must. Also called Consumer Credit Counseling Service, these agencies employ professionals who will provide you with the required guidance to develop an action plan to end your financial crisis. Credit counseling agencies can also get into talks with your creditors, if need be in trying to achieve some sort of a settlement, or an understanding.
Personal Bankruptcy: The decision to file for bankruptcy must be taken after much thought and serious consideration. You should take the plunge into this complex world of forms, rules and regulations if you are certain of it, and have been advised to do so. Two types of Bankruptcy options available are Chapter 13 and Chapter 7. With the new stricter law in place, there are certain criterions that one needs to fulfill in order to file for bankruptcy. Once you’ve met these criterions, the next difficult step is to choose an attorney. Attorneys at BankruptcyHome.com bring with them years of expertise in this field enough to assess the solution that meets your specific need.
Prevention Better Than Cure
It is of course never to late to stop. You need to put an immediate end to spending that exceeds your earning, regular credit purchases especially if you are able to make only the minimum payment on the monthly credit card debt. Think of it this way; will you be able to pay your next month's bills if you didn't have your job?
If your answer is no, then try our free online evaluation tool which will tell you whether you need to file for bankruptcy or not. From thereon, our attorneys will ensure that your interests are secured, your ill-health a story of the past, and you are ready to start afresh.
http://www.bankruptcyhome.com/regainfinancialhealth.htm
Tuesday, May 22, 2007
Life after Bankruptcy
Is There Life After Bankruptcy?
Yes, of course there is. As much as it may seem that it is an impossibility, it is very much possible to rebuild you financial life—start from scratch. But the answer to this question doesn’t end with a simple ‘yes’.
Bankruptcyhome.com
BankruptcyHome.com is the answer to that first question! Our role is not just as an advisor or a guide but also as someone who will provide you with a practical solution customized to your specific situation. Our objective goes beyond just explaining regulations, filling out forms, and shutting out creditors and credit.
A leading provider of bankruptcy related services and solutions, BankruptcyHome.com has become a trusted name with people who are determined to end an existing or impending financial crisis. Our determined efforts will ensure that you are freed of debt, and the harassment that you may have suffered because of it. Furthermore, we will see to it that not only does the crisis come to an end, but that you have a fresh start.
Our competitive services are geared towards benefiting you the most.
Filing Bankruptcy
You may think you don’t need it, but you can never know when those unpaid bills grow so long that within your limited resources you are unable to settle them. Don’t know whether you should or not? BankruptcyHome.com will answer even that fundamental question, with the help of the online evaluation tool.
Life After Bankruptcy
A lot more that just your money and yours assets are at stake when you are in a financial crisis. You need to find a solution that doesn’t cause any more damage to your self-respect, your honor than bankruptcy has already caused. Remember, a bankruptcy will stay on your credit record from the time of filing until the roll over period of the credit reporting agency. BankruptcyHome.com has for you all the information you will need about filing for bankruptcy, and the life after it.
Be confident that the solutions provided by our attorneys are farsighted and tailor-made. No two situations are comparable, and even though the type of bankruptcy applied may be the same there may be a difference in approach. As has been said before, the process of filing for bankruptcy is not as simplistic as it seems. And BankruptcyHome.com excels in the nuances involved.
We work within your budget to create a program that will solve your crisis, by reducing the debt amount you owe, and the years that you would otherwise have to spend paying it back. This is your opportunity to regain faith in yourself, and with the help of a professional financial coach plan every step you take until you reach the goal – that day when your debt is totally wiped out.
Our team of professional experts with extensive knowledge and experience in the fields of law, accounting, financial planning, insurance, debt and budget management, and psychology. We will make sure the most severe situation.
Contrary to the popular myth, a negative history on your credit report is not the end of the road. Having filed for bankruptcy does not leave a permanent black mark on your credit report. It is not going to be difficult to remove the blot from your own mind, but you need to do that. Be sure that your learning from this experience is positive and helps you in the long run. We are fully aware of the fact that the first two or three years after bankruptcy are going to be difficult times. Yet, these are not going to be impossible times and the advice offered by the attorneys is the best way forward.
Our attorneys will provide you all the moral and legal support you need, help you get out of your financial crisis and ensure a better tomorrow.
http://www.bankruptcyhome.com/lifeafterbankruptcy.htm
Yes, of course there is. As much as it may seem that it is an impossibility, it is very much possible to rebuild you financial life—start from scratch. But the answer to this question doesn’t end with a simple ‘yes’.
Bankruptcyhome.com
BankruptcyHome.com is the answer to that first question! Our role is not just as an advisor or a guide but also as someone who will provide you with a practical solution customized to your specific situation. Our objective goes beyond just explaining regulations, filling out forms, and shutting out creditors and credit.
A leading provider of bankruptcy related services and solutions, BankruptcyHome.com has become a trusted name with people who are determined to end an existing or impending financial crisis. Our determined efforts will ensure that you are freed of debt, and the harassment that you may have suffered because of it. Furthermore, we will see to it that not only does the crisis come to an end, but that you have a fresh start.
Our competitive services are geared towards benefiting you the most.
Filing Bankruptcy
You may think you don’t need it, but you can never know when those unpaid bills grow so long that within your limited resources you are unable to settle them. Don’t know whether you should or not? BankruptcyHome.com will answer even that fundamental question, with the help of the online evaluation tool.
Life After Bankruptcy
A lot more that just your money and yours assets are at stake when you are in a financial crisis. You need to find a solution that doesn’t cause any more damage to your self-respect, your honor than bankruptcy has already caused. Remember, a bankruptcy will stay on your credit record from the time of filing until the roll over period of the credit reporting agency. BankruptcyHome.com has for you all the information you will need about filing for bankruptcy, and the life after it.
Be confident that the solutions provided by our attorneys are farsighted and tailor-made. No two situations are comparable, and even though the type of bankruptcy applied may be the same there may be a difference in approach. As has been said before, the process of filing for bankruptcy is not as simplistic as it seems. And BankruptcyHome.com excels in the nuances involved.
We work within your budget to create a program that will solve your crisis, by reducing the debt amount you owe, and the years that you would otherwise have to spend paying it back. This is your opportunity to regain faith in yourself, and with the help of a professional financial coach plan every step you take until you reach the goal – that day when your debt is totally wiped out.
Our team of professional experts with extensive knowledge and experience in the fields of law, accounting, financial planning, insurance, debt and budget management, and psychology. We will make sure the most severe situation.
Contrary to the popular myth, a negative history on your credit report is not the end of the road. Having filed for bankruptcy does not leave a permanent black mark on your credit report. It is not going to be difficult to remove the blot from your own mind, but you need to do that. Be sure that your learning from this experience is positive and helps you in the long run. We are fully aware of the fact that the first two or three years after bankruptcy are going to be difficult times. Yet, these are not going to be impossible times and the advice offered by the attorneys is the best way forward.
Our attorneys will provide you all the moral and legal support you need, help you get out of your financial crisis and ensure a better tomorrow.
http://www.bankruptcyhome.com/lifeafterbankruptcy.htm
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