The Lure Of Easy Bankruptcy - Now You Get the Credit You Deserve

Here is a true story about bankruptcy, and the advantages
it offers. A husband and wife team of practicing
psychiatrists, with a joint income of $78,000 per annum,
accumulate personal debts totaling $22,000, and also have
outstanding a $33,000 mortgage on their comfortable
suburban New York home. They are not in arrears, nor even
over their heads. They simply seek more discretionary
spending power.

Their solution to the problem? They file for bankruptcy
and are able to immediately reduce their debt load to a
mere 10 cents on the dollar, repayable on an extended
schedule in very small amounts. An officer in one
of their finance companies notes that they could refinance
the mortgage or even sell the house. But you will see in
a moment why that was not necessary.

Traditionally, personal bankruptcy has been a desperate
last resort for those so deeply in debt and harried by
creditors, that there really seemed to be no other
solution. The typical profile included low-income, under-
educated clerical workers or laborers, or perhaps
transient non-homeowners. Common age groups were those
who were in their twenties, or those over sixty five years
of age.

This is no longer the case. Today's profile includes
people with good jobs, even families with two incomes. It
is not surprising to find those with six-figure incomes
declaring bankruptcy. The process comes no longer out
of a dire necessity, but it is now a means by which people
can rid themselves of debts that cramp their lifestyle.

The most common applicants for bankruptcy include recent
college graduates who file in order to avoid paying back
government-guaranteed student loans. Their rationale?
They feel society owed them an education.

You will also find older, "keep up with the Joneses" types
filing for bankruptcy. For suburban executives to Wall
Street professionals, they are unwilling to live within
their means.

The passage of the Federal Bankruptcy Act of 1978 made the whole process much easier. This change significantly
liberalized personal filing procedures in the name of
consumer rights.

Chapter 7 makes no reference at all to the debtor's
income. It permits debtors to clear the slate by turning
over all their assets except those specifically exempted
to creditors. Among the exemptions: Up to $7,500.00
equity in the debtor's house (15,000 if both file);
$4,000.00 in accrued dividends; $1,200.00 in automobile
equity; $500.00 in jewelry; $200 per category of household
items (including clothing, books, etc.) and more!

Chapter 13 requires that debtors show only a regular
income to handle a reasonable three-year pay-back plan.
The court's definition of reasonable happens to be as
little as 1% to 10%, even when a payment of 50% could
easily be managed.

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Special Note: Please read this! -- This is very dangerous to your credit!
Avoid the credit check pitfall!

Before you start applying everywhere, realize this:
2 or more recent credit checks (inquiries) will negatively affect your credit score. Your credit score can be seriously damaged!
But, you can avoid this pitfall and still be able to apply at several companies if you are turned down, you can go to the next lender and apply without worry about your credit being damaged.
Here is how it works:
If you purchase a copy of your credit report in advance,
a lender can pre-approve you with a faxed current copy of your credit report. If they decide to reject the loan, you can continue to apply at different lenders until you find one that accepts you.
Before completion of the loan process your actual lender will probably need to do a final check on their own, but now you have only one inquiry on your records instead of two or three or more!
Note: when you purchase your credit report, it does not show up as an inquiry!
It is a good idea to know in advance what your credit score is and if there is any incorrect information on your reports. You really need to bite the bullet and find out what's on your credit record!
As reported on CNN, NBC, ABC, CBS, and Fox News,
.................a recent study showed 79% of all credit reports
have some incorrect information.
Incorrect information can cause you to pay more in interest, make it difficult to get a home or even rent an apartment and much more!
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Bad credit personal loans are one of the most requested loans in the world. Although you might think home loans or auto loans would be requested more often, the truth is that personal loans, especially bad credit personal loans are high on the list. Because of this, there are many disreputable ways to lose money if you are looking for that type of loan, personal loan with bad credit. If your credit is good, you are less likely to get taken in......this is because there are so many reputable companies that offer personal loans for people with good credit.

We offer credit cards, personal loans, unsecured loans, high risk loans, loans to people with bad credit, signature loans, home loans, car loans and automobile refinance loans, pay day loans, cash advance loans,
debt consolidation loans and alternative loans specializing in bad credit.

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