The New Bankruptcy

Author: Cara O'Neill
Publisher: Nolo
ISBN: 9781413324303
Release Date: 2017-12-30
Genre: Business & Economics

Rising living expenses and stagnant wages have many Americans finding it increasingly difficult to pay the bills each month—and many businesses aren’t faring much better. In 2017, dwindling brick and mortar retail sales forced an unprecedented number of retail establishments into bankruptcy. This comprehensive guide helps individuals and small business owners facing financial distress determine whether bankruptcy, or a nonbankruptcy alternative, will provide the best financial solution for them.

The New Bankruptcy

Author: Stephen Elias
Publisher: Nolo
ISBN: 9781413324310
Release Date: 2017-12-30
Genre: Law

Choose the best bankruptcy option The New Bankruptcy provides clear-cut information, answers to common questions, worksheets, and strategies to help you figure out whether bankruptcy is the right solution to your debt problem. Find out: the main differences between Chapter 7 and Chapter 13 bankruptcy whether you qualify for Chapter 7 bankruptcy (the means test) how the Chapter 13 repayment plan works which type of bankruptcy (7 or 13) is better in various situations which debts are wiped out what happens to your property, including your home, car, and retirement accounts, and other ways to handle debt problems. The book also outlines the bankruptcy process and includes completed sample bankruptcy forms.

The New Bankruptcy

Author: Stephen Elias Attorney
Publisher: Nolo
ISBN: 9781413315004
Release Date: 2011-05-10
Genre: Business & Economics

Considering bankruptcy? Get the facts and find out how bankruptcy could work for you. Bankruptcy laws have changed, and figuring out how to use them effectively is harder than ever. For plain-English guidance you can trust, turn to The New Bankruptcy. Get the clear-cut answers, information and strategies you need to figure out whether bankruptcy is the right solution for your debt problems. Find out: if you qualify for Chapter 7 bankruptcy how Chapter 13 repayment plans work which debts are wiped out how bankruptcy affects homeowners if you can keep cars and other property how bankruptcy affects credit alternative ways to handle debt problems The 4th edition is completely updated to reflect the latest rulings on the new bankruptcy laws, additional information on foreclosures and an all-new appendix containing essential sample forms. It also provides worksheets to help you determine whether you can file for bankruptcy, and includes fully up-to-date exemption charts, helpful checklists and easy-to-use legal charts for all 50 states.

Credit Repair

Author: Robin Leonard
Publisher: Nolo
ISBN: 9781413324297
Release Date: 2017-10-30
Genre: Business & Economics

Bad credit can prevent you from getting a mortgage, car loan, credit card, apartment, or even a job. It can also mean paying a bundle in rates and fees for any loans or credit you do get. Use this comprehensive how-to manual to rebuild bad credit and protect improved credit. Learn how to: reduce expenses create a workable budget negotiate with creditors improve your credit score, and protect yourself against identity theft

Personal Finance An Encyclopedia of Modern Money Management

Author: Barbara Friedberg
Publisher: ABC-CLIO
ISBN: 9781440830327
Release Date: 2015-04-14
Genre: Business & Economics

This jargon-free resource explains the who, what, why, and where of contemporary personal finance in simple, easy-to-grasp language, covering the key people, events, terms, tools, policies, and products that make up modern money management. • Supplies accessible, comprehensive financial information that explains complex topics in simple language • Shows the relationship between personal finance and everyday life, from renting an apartment to saving for retirement • Answers a wide variety of personal finance questions • Provides a resource suitable for both personal and scholarly use

Battleground

Author: Kathleen Ann Uradnik
Publisher: ABC-CLIO
ISBN: 9780313343131
Release Date: 2011
Genre: Political Science

Through a detailed exploration of the viewpoints involved, this balanced and incisive work promotes understanding of the most divisive issues in American government today. * Includes many sidebars that highlight and elaborate on important aspects of the topic * Provides a list of useful resources for further study with each entry

Estate Planning for Blended Families

Author: Richard E. Barnes
Publisher: Nolo
ISBN: 9781413310184
Release Date: 2009-08-01
Genre: Law

Targeting parents in second marriages who want to provide for their current spouse and their children from both marriages, the author provides sample estate plans and covers such topics as estate and gift taxes in a second marriage, choosing executors and trustees, the latest federal and state laws, and much more. 15,000 first printing. Original.

How to Get Credit After Filing Bankruptcy

Author: Mitch Wakem
Publisher: Atlantic Publishing Company
ISBN: 9781601381378
Release Date: 2008-04-01
Genre: Business & Economics

According to the United States Bankruptcy Courts, the number of bankruptcies filed each year is on the rise. People file bankruptcy for a variety of reasons, such as preventing foreclosure on their homes, preventing repossession of property, loss of employment, or reducing or eliminating debts. The most common types of bankruptcy for which individuals file are Chapter 7 and Chapter 13. Chapter 7 involves the surrender of property to pay debts, while a Chapter 13 bankruptcy allows for the retention of property but requires payments over the next three to five years. A person who finds himself or herself in this undesirable situation may wonder how they are ever going to repair their credit. How to Get Credit after Filing Bankruptcy: The Complete Guide to Getting and Keeping Your Credit under Control provides the answers in a clear-cut, easy-to-read manner. The author tells you how to take charge of your credit so you can apply for loans and mortgages and obtain low interest rates. In addition, you will learn how to order a copy of your credit report, how to check your credit report for accuracy, how to read it, how to avoid discrimination and credit repair scams, how to apply for an unsecured credit card, how to report your good work to bureaus if creditors do not, how to maintain good relationships with your bank and creditors, how to consolidate all your debt, how to lessen your reliance on credit cards, and how to decide if lawyer-assisted credit repair is right for you. You will also learn simple strategies for making payments on time and for rebuilding your credit. Whether you have just declared bankruptcy or you have been living with the stigma for years, this new book will provide you with all the information you need to take a step in the right direction. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.

The Complete Bankruptcy Guide for Consumers and Small Businesses

Author: Sandy Ann Baker
Publisher: Atlantic Publishing Company
ISBN: 9781601383105
Release Date: 2010-11-30
Genre: Business & Economics

According to the US Courts Bankruptcy Statistics Web site, more than 801,000 bankruptcies were filed with U.S. courts in 2007, with almost 97 percent of those being personal, non-business filings. The volume of those who face the stress that coincides with bankruptcy filing continues to grow and it can be hard to discern between the six different forms of common bankruptcy and how each might affect you or your business. This book was written with the goal of providing a complete handbook to understanding the complex bankruptcy laws of the United States in an easy-to-read format that will allow you to move forward in your life, either through the bankruptcy process or through viable financial alternatives that help you to avoid filing. Before you even approach the bankruptcy process, you will learn if there is anything left you can do to salvage your finances. You will learn how to manage existing debt in avoidance of bankruptcy and how to handle debt collectors, and also acknowledging which of the debts that you hold are the most important. You will learn how to decide when bankruptcy is the best or only option left at your disposal, including what a bankruptcy actually entails, from the first piece of paperwork you sign to the lasting effect it has on your credit. You will learn how to deal with the emotional and social implications of bankruptcy and also what aspects of your life will immediately change as a result. The six different kinds of bankruptcies are outlined in full detail with walkthroughs of what each format offers and when you can utilize them to your advantage. Specifically, detailed instructions for liquidating debt with a Chapter 7 bankruptcy and using a Chapter 13 bankruptcy to rebuild your life are given as well in their own chapters. You will learn what it takes to find and utilize a qualified consumer bankruptcy attorney and exactly what to expect throughout the process. For businesses that are navigating the complex corridor of bankruptcy filing, information is provided about the specific processes you must follow for your specific kind of business. You will learn how to choose which Chapter to file under and what you must do to protect your personal assets during a business bankruptcy. Finally, a special section is included to guide you through the harrowing post-bankruptcy process, helping you to rebuild your credit after the process with a timeline of how long you can expect to wait before you start to regain the standing you originally had. You will be given details and tips on how to manage your finances in the future, and interviews taken from bankruptcy experts and individuals with personal experience will help you know exactly what you can expect before, during, and after your bankruptcy. For anyone at the point in their life where they are considering a bankruptcy to solve their financial problems, this guide is a must have tool, providing an easy to read, comprehensive overview of the entire process.

Mortgage Defaults

Author: Tom Duncan
Publisher: AuthorHouse
ISBN: 9781438938486
Release Date: 2008-12
Genre: Business & Economics

Would you like to start earning CASH with no out of pocket expense starting TODAY? Then this book is for you. My system can work for part time employees, college students, home makers that have little time available, and seasoned investors as well. By helping homeowners stay in there homes you can charge from $300.00 to $2500.00 for as little as one hour of your time. By putting contracts together from defaulting homeowners and then offering them to other investors you can earn $5000.00 to $10.000. per contract. I wrote this book as a guide of what not to do when you first start your investing career...based on the hype of the infomercials we all see and here and what I personally experienced when first entering the real estate investing market. I wanted to give to the new investor a chance to really inter the investing arena loaded with information and a guide to create cash to support there investment career and with a fresh new approach... Do Not take advantage of the defaulting homeowner! Try to approach every deal with a win/win attitude. It will give you a new wealth financially and a great feeling of really being able to help someone in need of your experience and expertise. The public will be calling and recommending your services because of your fair treatment of them instead of the cut them off at the knees approach that everyone else is teaching. This book will teach you the real estate terms that you need to know to be effective when talking to bankers, other investors, real estate agents and title companies. It will teach you how to start earning cash TODAY, with no out of pocket expense just your time. Enjoy this very candid journey and as always; Happy Investing....Tom Duncan

Bankruptcy

Author: Socrates Media
Publisher: Socrates Media, LLC
ISBN: 9781595462466
Release Date: 2005-09-01
Genre: Business & Economics

With changes in the federal bankruptcy laws in effect as of October 17, libraries will want to have up-to-date guidance for their interested patrons. Raum, in addition to being a newscaster at National Public Radio, is a practicing attorney with expertise in personal bankruptcy. She guides those in financial difficulty to an understanding of what bankruptcy is and helps them evaluate it as an option. She explains the differences between Chapter 7 bankruptcy (liquidation) and Chapter 13 (reorganization), as well as alternatives to filing. She provides a basic rundown on the process, including filing the petition and attending the hearing. There is advice on re-establishing credit, choosing and hiring a lawyer, avoiding credit scams, and moving on after bankruptcy. The appendixes provide illustrative worksheets and forms and a 50-state chart on homestead exemptions. Similarly, editors of Socrates Media cover the essential elements of the bankruptcy process. Readers learn what it means to go bankrupt and how it is accomplished. There is an excellent explanation of the homestead exemption rules that may protect a home in a bankruptcy proceeding, and a good chart comparing the old bankruptcy law and the new. There is information on Canadian bankruptcy, and appendixes include a glossary, a list of online resources related to consumer credit, and one for legal search engines. The book comes with a CD that contains an electronic version of the information, a legal dictionary and links to financial management forms and tools (registration required). Joan Pedzich, Harris Beach PLLC, Rochester, NY (Library Journal).