Law

96 Articles total.
Alternatives To Filing Bankruptcy?

On Feb 25, 2015 0 104 52

There is just no easy way to get out of debt, you have to face up to the consequences. A bankruptcy is not always the answer, as the effects are long lasting. There are four ways to handle debts that are out of control, listed in best to worst in regards to the effect it will have on your credit: If your credit isn't in terrible shape, can you reduce your other expenses, even if it means making hard choices or just change your lifestyle to fit your income? Some ways to do this: Alternatives: Selling the second car Pulling equity out of your home Applying for a non secured signature loan Obtaining a loan from a relative Selling your home and paying off your debts with the proceeds and then renting Cashing out your 401K/retirement benefits Selling family heirlooms, jewelry, etc†Filing Bankruptcy - Final Solution If your credit is already gone or one of the above isn't an option, go through Consumer Credit Counseling Services...

Bankruptcy: Tips To Avoid It

On Feb 25, 2015 0 104 52

Although it may seem like an easy solution to major financial difficulties, it is best to avoid bankruptcy at all cost. There are many reasons for avoiding bankruptcy and many tips for helping those in financial difficulty avoid resorting to bankruptcy...

Collecting The Levy

On Feb 25, 2015 0 104 52

The Financial Management Service (FMS) is a bureau of the Department of the Treasury, to provide a centralized debt collection service to most federal agencies. The FMS has begun utilizing two Congressionally mandated federal debt collection programs...

Drafting a will

On Feb 25, 2015 0 104 52

As one progresses to the threshold of old age, worries and anxieties seem to grip more tightly. Not a second goes when the thought of one†s family especially children take a leave. The very thought of what will happen next clutches the person and this makes his present life a bundle of misery...

E-Privacy – Fact or Fiction?

On Feb 25, 2015 0 104 52

The Law Governing "Spyware" or "Malware" The EU E-Privacy Directive (2002/58/EC) is aimed at modernising existing law in the area of e-privacy. Its focus is on the dangers of so-called “spyware†which, in extreme cases, can allow third parties access to your machine, storing knowledge of all kinds of information from the software on the system to user names and passwords...

Filing Bankruptcy!

On Feb 25, 2015 0 104 52

Bankruptcy is a legal procedure designed both to protect an individual or business that can't meet its financial obligations and to protect the creditors involved. To begin the process, proper papers must be filed...

Filing For Bankruptcy Will Be A Thing Of The Past

On Feb 25, 2015 0 104 52

This year President Bush signed a bill to change the bankruptcy law. This will go into effect this October of 2005. The new bankruptcy law will make it more difficult to file for bankruptcy. This may be bad news to individuals who are drowning in debt...

Filing For Bankruptcy Will No Longer Be An Easy Option

On Feb 25, 2015 0 104 52

Most of us already are aware that the change in the bankruptcy law will be effective this October. Those who are already in debt argue that it is unfair. Companies that have suffered profit loss through the years are relieved to hear the news...

For your Information (FYI) - Bankruptcy

On Feb 25, 2015 0 104 52

People view bankruptcy as a wake up call and well they should because that means they hit the bottom of the barrel and are now scratching the bottom - for more cash! If you believe misery loves company, be secure in the knowledge that there are at least 1...



High Gas Prices and Ways to Save

On Feb 25, 2015 0 104 52

With Memorial Day around the corner, the great American travel season is here. During the summer, most Americans take at least one extended vacation, and four fifths take that trip by automobile. Unfortunately, this year, the price of gas is at record highs, and no one likes to spend their vacation money on gasoline...

Individual Rights Before Wage Garnishing

On Feb 25, 2015 0 104 52

There are individuals unfortunate enough to find themselves in a position where they are contacted by a state or federal agency regarding an old debt, or even those with delinquent student loans, find themselves facing a wage garnishment through an employer...

IRS Levy And Garnishments

On Feb 25, 2015 0 104 52

Unfortunately to many of us the Internal Revenue Service (IRS) is one branch of government that can never be our friend and is often feared by some less reputable business owners. When the IRS is owed money, they will get it whether you like it or not...

Is Bankruptcy The Answer To Your Woes?

On Feb 25, 2015 0 104 52

Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far-reaching. A bankruptcy stays on your credit report for 10 years, and can make it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job...

Should You File For Bankruptcy?

On Feb 25, 2015 0 104 52

Personal bankruptcy generally is considered the debt management option of last resort because the results are long-lasting and far-reaching. A bankruptcy stays on your credit report for 10 years, and can make it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job...

The IRS Levy And Legal Powers Of Garnishment Defined

On Feb 25, 2015 0 104 52

IRS garnishment refers to the notice issued by the IRS department to withhold all or some part of the money to the court or to the person who has won the lawsuit to claim the money. The IRS garnishment is limited by law according to which only up to 25% of the disposable earning of a particular period can be garnished...

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