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HOW TO AVOID BANKRUPCY

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STEP 4- How To Repair Your Credit Report

How can I avoid bankruptcy?      Is Bankruptcy inevitable?     Bankruptcy information?
Can I cut down my bills?      Please give me mortgage  advise!         Do I need a lawyer to go bankrupt? 

The Key To Avoiding Bankruptcy Can Be Realizing That You Can't Pay Off Everybody - Who Do You Pay?

First Thing:  Get Help
You do not want to enter into either bankruptcy or consumer credit counselling unless you absolutely have to in order to save your home.   Simple as that, if you aren't at risk of having your home attached, don't do it.   The stigma of bankruptcy will stay on your credit for 7 years and consumer credit counselling is usually regarded the same as a Chapter 13 bankruptcy.  
 
Take matters into your own hands, review your own credit - good and bad - and decide what you have to pay and what you should write off as "terminal" debt.   Click the link below to go to a free site that can guide you through the process that will improve your credit score in
just 3 to 6 months.

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Bankruptcy FAQs
If you are not convinced that you should avoid bankruptcy or think your home may be in immediate jeopardy here are many answers to your questions:

What happens if I file a chapter 7 bankruptcy?

Who can file a Chapter 7 bankruptcy petition?

The most common reasons for a Chapter 7 bankruptcy?

Who can file a chapter 13 bankruptcy petition?

Will the bankruptcy stop bill collectors from calling?

How long after filing will the creditors stop calling?

How long after filing will the creditors stop calling?

Who notifies the creditors and bill collectors?

Who deals with my creditors and bill collectors during the bankruptcy?

Will my employer and landlord find out about my bankruptcy?

Can my employer fire me for filing bankruptcy?

Can I go to jail if I file bankruptcy or don't pay my debts?

Does a spouse also have to file bankruptcy?

Can I keep any credit cards?

Will I have to fill out forms?

Will I have to go to court?

What should I do to prepare for filing bankruptcy?

Can I file a bankruptcy for my debts, but not include my assets?

Can I file bankruptcy to delay a creditor?

Do I have to disclose all of my assets?

Is it true I can cancel all debts by filing bankruptcy?

Will bankruptcy stop a wage attachment?

Will bankruptcy stop a foreclosure proceeding?

Will bankruptcy stop an eviction, or unlawful detainer, action?

Will bankruptcy stop a judgment?

Will a bankruptcy remove a lien?

If I am divorced, will bankruptcy eliminate my obligation to pay community debts?

Is Alimony Dischargeable?

Can I discharge student loans?

If I am a co-signer for a debt, how does bankruptcy affect the obligation?

What if I fail to list a creditor on the bankruptcy papers?

What happens to my personal property, real property and other assets?

What is an "Exemption"?

What property is exempt?

What states have "opted out" of the bankruptcy exemption scheme?

Can I keep my home and automobile?

Are pension plans and 401(k) plans exempt?

Are IRA accounts exempt?

Do I need an attorney to file bankruptcy?

What happens after I file a bankruptcy petition?

What happens after I file a bankruptcy petition?

Who deals with my creditors and bill collectors during the bankruptcy?

What is the "automatic stay?"

My creditors ignored the automatic stay. What do I do?

Will the fact that I filed bankruptcy appear on credit reports?

After bankruptcy, can I obtain new credit?

How can I re-establish my credit rating after bankruptcy?

My ex-spouse filed bankruptcy. What do I do?

Are there bankruptcy crimes?

Can I keep any credit cards?

How can I avoid bankruptcy?      Is Bankruptcy inevitable?     Bankruptcy information?
Can I cut down my bills?      Please give me mortgage  advise!         Do I need a lawyer to go bankrupt? 

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