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	A special proceeding under federal, or in some instances state, laws by which the property of a debtor is protected by the court and may be divided among the debtor’s creditors and the debtor.
	California Title Loan Company Is Proud to Announce The Launch of 123FundMe.com - 3 Steps to Unlock The Equity in Your Car 3 steps is all it takes to free up the cash locked in your car, California. Title loans are a great vehicle to access necessary funds for auto repair, medical emergencies and other short-term cash needs. In 3 quick steps, consumers can gain access to critical cashflow without needing to take the bus. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1693514.htm ]]> New Business Opportunity Made Possible by Foreclosed Homes Millions of vacant homes and a boom in foreclosed homes nationwide have created a lucrative new business opportunity for people looking to break into the foreclosure cleanout industry, says author of "Make Money Cleaning Out and Maintaining Foreclosures" and president of J T Stewart Enterprises, Inc. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/foreclosed_homes/business_opportunity/prweb1630474.htm ]]> International Real Estate Portal LoftyVistas.com Re-launched with New Look and Feel and Housing Over 40,000 Property Listings from 56 Countries "Loftyvistas.com wants to be the online source for international investment properties and real estate investments, properties for a second or third home, or vacation properties in countries including Turkey, Egypt, UAE (Dubai, Abu Dhabi), Thailand, Spain, India, Malta, Panama, Singapore, Caribbean, USA (Florida) and others", said CEO Chandra Rajaraman. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/international-real-estate/Dubai-real-estate/prweb1674794.htm ]]> Linde North America License Exari to Automate Sales Contracts Exari Group Inc. www.exari.com, a leading automated document assembly and contract management software company announced today that Linde, Inc., a member of The Linde Group, has licensed Exari to automate North American sales contracts for three of its business units. The Linde Group is one of the world’s leading gases and engineering companies. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1689034.htm ]]> Federal Reserve 401(k) Dodges Stock Market Meltdown With Stable-Value Products, Author Finds Barry J. Dyke, author of The Pirates of Manhattan found that the majority of employee assets in the huge $4.5 billion Federal Reserve System 401(k) dodged most of the stock market meltdown by having a majority of its assets invested in stable-value life insurance products. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1689414.htm ]]> Business Growth Specialist Helps Companies Grow During a Recession Executive Business Advisers is providing a unique business growth service called, The CEO Business Growth Assessment and Action Plan, which helps companies quickly improve their business performance during a bad economy or recession. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/business_growth/strategy/prweb1690324.htm ]]> Coso Project 2008 Update: Guidance On Internal Controls - A Softrax Executive Webcast Leading industry expert will discuss how improved internal controls can help lower risk (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/Softrax/Billing_Solutions/prweb1691274.htm ]]> Special Delivery to bring $5,000 to One Lucky December Baby TurboTax Kicks Off Second Annual Search for America's Cutest Last-Minute Tax Deduction (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/Intuit/TurboTax/prweb1692404.htm ]]> DeSilva+Phillips Announces New Operational Restructuring Group DeSilva+Phillips, media investment bankers, has launched an Operational Restructuring practice. The practice will advise media companies, private equity funds and commercial lenders who seek assistance with financial performance issues in the current economy and debt markets. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1690854.htm ]]> US Top Ten Bank Selects Silanis Electronic Signatures for Consumer and Small Business Loans Processing Silanis Technology, the leader in electronic signatures, announced today that a top ten bank in the United States has selected the Silanis ApproveIt Web Server to enable the electronic completion of consumer and small business loan transactions. The adoption of electronic signatures will significantly lower risk to the bank related to incomplete loan documentation and cut millions off the bottom line in associated transaction processing costs. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1674224.htm ]]> North Carolina Company Places Cure to Housing Industry Woes in the Palm of Your Hand Getta Jumpr, LLC introduces its on-demand, mobile, software-suite for the real estate and housing industry. Jumpr allows individuals and professionals alike to simply, quickly and accurately estimate property conditions, make property transaction decisions, plan home improvement and remodeling projects and provide easy team collaboration and project management solutions. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1652154.htm ]]> Auto Finance Market Profits from Pricing and Profitability Management Suite from Nomis Solutions The Suite Leverages Strategic Pricing and Offer Optimization Capabilities to Improve Financial Performance (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/nomissolutions/autofinancemarket/prweb1674574.htm ]]> Nomis Solutions Announces Pricing and Profitability Management Suite for Retail Banks Retail Banking Suite Leverages Strategic Pricing to Optimize the Customer Acquisition and Portfolio Management Process for Consumer Lending and Deposits (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/nomissolutions/retailbanks/prweb1675264.htm ]]> SurePayroll Revolutionizes Payroll Processing with 1-Click™ Payroll Technology New technology reduces time spent on small business payroll processing from minutes to seconds. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1675284.htm ]]> Consumers Even More Vulnerable to Over-Priced Loans As credit from many respected providers dries up, many borrowers are being lured into the hands of less scrupulous players, charging exorbitant interest rates.Sara-Ann Burgess, director at payment protection insurance (PPI) specialist Burgesses, said many firms were preying on consumers looking for credit and making it very difficult for them to meet repayments because of the huge interest rates they were charging. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/payment/protection/prweb1688304.htm ]]> Offshore Library Offers Whopping 50-Percent Discount to Celebrate its Re-Launch Campaign Offshore Library, the provider of innovative marketing and B2B networking opportunities, kick-starts its re-launch campaign with a great offer to the following offshore businesses: Offshore Hedge and Mutual Funds, Offshore Banks, Offshore Advisors, Offshore Business and Financial Service Providers. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/hedge/funds/prweb1688724.htm ]]> Forex Trading Pal Launches Rebate Program to Strengthen its Introducing Broker Status (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1688774.htm ]]> Are You Ready for Year-End Compliance Deadlines? To provide an update on compliance issues facing broker/dealers and investment advisors as we approach year end, MGL Consulting will sponsor a unique one-hour “Compliance Chat” teleconference on December 9, 2008 at 3:15 p.m. CST. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/MGL_Consulting/Compliance_Chat/prweb1688914.htm ]]> BizBash Toronto Names Lisa Jansen Associate Publisher David Adler, founder and C.E.O. of BizBash, the media company serving the meeting and event industry, announced today that Lisa Jansen has been named Associate Publisher of BizBash Toronto. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/BizBash/Toronto/prweb1689154.htm ]]> Centrix Announces Payee Match for Check Positive Pay Centrix Solutions, Inc., has announced the addition of Payee Match functionality to Exact/TMS™, the comprehensive check positive pay, ACH positive pay and check reconcilement system developed by Centrix and used by banks across the United States. Payee Match electronically compares the payee name from the check image to the original payee name that was on the check at the time the check was issued. This enhancement allows financial institutions to take the fight against fraud to a new level, while also providing a marketable competitive advantage. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/Centrix_PositivePay/PayeeMatch/prweb1689564.htm ]]> Marathon Health Joins Forces with New Balance for Employee Health - Associate Health Services Provided at Three Maine Locations Marathon Health, a leading provider of onsite health services and technology solutions, has announced that New Balance, the athletic products company, has selected Marathon Health to develop, implement and manage onsite health clinics and to provide health services to workers at New Balance facilities in Maine (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1690864.htm ]]> Retirement Experts Urge Plan Sponsors to Shift Focus from Accumulation to Generating Lifetime Income Generating secure lifetime retirement income should become an urgent priority for plan sponsors and participants, according to the Institutional Retirement Income Research Council (IRIRC). In its first white paper, Institutional Retirement Income Solutions: A Call to Action, available through the organization's website, wwww.irirc.com, the IRIRC discusses why defined contribution plan sponsors should consider adding retirement income solutions to their plans. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1691514.htm ]]> E-Renter USA Experiences Significant Growth Despite Struggling Economy Whatcom County success story E-Renter USA continues its phenomenal growth. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/real_estate/E-renter/prweb1692654.htm ]]> Metropolitan Streamlines The Recruiting Process with Talent Technology’s CV Extraction Software for PeopleSoft Enterprise HCM Multi-national financial services company automates candidate CV capture to improve hiring efficiency in a tight economy. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1692894.htm ]]> The Albany Group Responds to UK Tax Rules Confirming Temporary Worker Travel Deductions Albany’s expertise in contract and temporary worker management sheds light on Pre-Budget statement (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1694324.htm ]]> New York Area Health Systems Invest in Automated Privacy Auditing : Weill Cornell Medical College to Deploy FairWarning® Privacy Surveillance Software to Enhance Existing Privacy Auditing and Security Information Management Processes FairWarning, Inc., the world’s leading supplier of cross-platform healthcare privacy surveillance solutions, today announced they have been selected by Weill Cornell Medical College to further automate patient privacy auditing. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/privacy_auditing/weill_cornell/prweb1694714.htm ]]> 2009 International Deadlines CFOs Don't Want to Miss : Nair & Co.'s Vyoma Nair Presents a Checklist of Key Regulatory Dates for U.S. Companies Operating Overseas With the U.S. economy slumping, increasing numbers of companies are tapping into emerging markets overseas. Foreign markets offer lucrative paybacks but they often come with a knotty mix of compliance, tax, and regulatory challenges too. If you are setting up or have existing operations in an overseas market, it is time to start preparing for the 2009 deadlines. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/nair_co/tax_returns/prweb1695054.htm ]]> Want to Show Employees You Care? Globoforce Recommends Giving Recognition Year Round, Not Just During the Holidays Recognition Strategist Globoforce Offers Five Tips to Energize and Engage Employees Throughout the Year (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/globoforce/employee_engagement/prweb1695734.htm ]]> Energy Hedge Fund Center Now Tracking 700 Energy and Energy-Related Hedge Funds The Energy Hedge Fund Center, LLC (www.energyhedgfunds.com) is now tracking more than 700 energy and energy-related hedge funds in its Directory of Energy Hedge Funds. The vast majority of energy focused hedge funds remain based in North America but Europe has been the focus for many recent new energy hedge funds. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1686864.htm ]]> New White Paper From Marketing Management Analytics Lays Out Success Factors In Creating A Marketing Accountability Program Paper shows how marketing can partner with finance and management to drive sales, profit. (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1618774.htm ]]> PayCycle Survey Finds 34% of Small Business Owners Want a Stimulus Package as "First" Action 58% Are Canceling Year-End Bonuses (PRWeb Dec 2, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1676014.htm ]]> Visible World and Ensequence Expand Advanced Advertising Solutions Addressability, Measurement and Interactivity now available through a single platform using ETV/EBIF Standard (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/Visible_World/Ensequence/prweb1236004.htm ]]> Military Money Magazine Shows Families How to Detect - and Avoid - Financial Scams Winter 2008-09 Issue Shows How Servicemembers Can Protect ThemselvesFrom Shady Sales Practices and Financial Scammers (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1664404.htm ]]> Conclusive Marketing Appoints Jan Rivenbark as Chief Executive Officer to Lead Next Growth Phase New CEO Brings over 30 Years Experience as Senior Executive (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/trigger/marketing/prweb1674514.htm ]]> Top 100 U.S. Home-Based Businesses Revealed Second annual StartupNation Home-Based 100, sponsored by Microsoft Office Live Small Business and FedEx Office, ranks top performers among the 16.5 million home-based businesses. Recession Busters category reveals top strategies of successful home-based businesses. (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1675554.htm ]]> Americas Watchdog Wants to Talk to the Employees of Major U.S. Homebuilders About Undocumented Construction Workers and a Possible Reward Americas Watchdog and its Wall Street Fraud Watchdog have been investigating the employment practices of the largest homebuilders in the US for five years, with the conclusion that millions of undocumented workers did most of the building. The problem: while most of the undocumented workers were classified as "sub-contractors", they were in fact full time employees, and they did not receive overtime, or other benefits afforded to US full time employees. According to the Wall Street Fraud Watchdog & the Homeowners Consumer Center, "if big US homebuilders think they are about to get a windfall from the US taxpayers, think again, its show & tell time. Start thinking about prison, if you are a large US residential homebuilder CEO, COO or CFO." Large US homebuilder superintendents or executives with substantial proof may be eligible for a significant reward. Large US homebuilder superintendents or executives can call the Wall Street Fraud Watchdog anytime at 866-714-6466 or visit their web site at http://WallStreetFraudWatchdog.com. (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1684104.htm ]]> Radio's Roy Gray Claims His Music Impacts Stock Market Popular Gospel radio personality Roy Gray officially returns to The International Christian (radio) Network on New Years Day convinced that the jazzy music on his play list holds the key to the stock market's success (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/2008/12/prweb1684664.htm ]]> Shaikh Holdings Wins Best International Golf Development Award For Sanctuary Falls Shaikh Holdings, a leading Dubai based real estate investment and development company, has won the 2008 'Best International Golf Development' award for their Sanctuary Falls development at the International Property Awards held at the Ritz-Carlton in Orlando, Florida on 7th November, 2008. (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/Shaikh_Holdings/Best_Golf/prweb1685664.htm ]]> My Bank Tracker Sponsors "Keep A Child Alive" My Bank Tracker assists in the launch of the KCA College 2008 Dreams Come True event. (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/mybanktracker/kcacollege2008-11/prweb1687274.htm ]]> Silanis to Present Webcast on how Lenders are Reducing Loan Risks and Costs with Straight-Through Processing Silanis Technology, the leader in electronic signatures, today announced that it will co-present a free Web seminar with IBM on Thursday, December 4th to discuss the top technology strategies lenders are adopting to reduce the risk and cost of processing loans. A panel of financial services e-commerce experts from both companies will illustrate how e-signatures can be integrated with a financial institution's enterprise content management (ECM) system to achieve straight-through loan processing. (PRWeb Dec 1, 2008) Read the full story at http://www.prweb.com/releases/electronicsignature/e-signature/prweb1674754.htm ]]>

new bankruptcy law guide

Life After Bankruptcy….now What? 5 Ways To Repair Your Credit After Bankruptcy
By Michelle Mann
Bankruptcy is a distressing, stressful but ultimately a freeing experience for millions of Americans every year. turns out to be a double-edged sword. Depending on which type of you file, you are either relieved of all of your debt through the liquidation of your assets, or you may be making monitored payments to your debtors.

This may prove to be quite beneficial. Your financial life is finally under control. However, because is perhaps the worst mark that can appear on one's credit, you must focus on rebuilding your credit and in short order. Here are five ways to rebuild your credit after bankruptcy.

1. Create A Plan: Look at where you have been. Why did you have to previously file for bankruptcy? Once you have determined this, create a plan that will allow you to sidestep those previous pitfalls. Figure out where you want to go and then create a plan to get there.

2. Be Selective: Be selective about the money you borrow. Don't buy things you don't need on credit. You end up paying much more then they are worth. Instead, save up cash for items you want but don't need.

3. Start Small: Once you have declared bankruptcy, you will have a hard time getting decent credit rates and terms, so start small. Purchase a small piece of furniture and pay it off within 6 months (skip the “don't pay for a whole year” deals!).

4. Get A Secured Credit: Secured credit cards match the amount of money you deposit. It allows you to rebuild your credit safely, while slowly proving to the credit bureaus and future lenders that you can be a good credit risk.

5. Work With Companies Who Report to the Credit Bureaus: Some companies do not report to the credit bureaus, so your on-time payments are doing nothing to help your credit scores. Ask first, and then work with companies that will help you increase your credit score by reporting them to the credit bureaus.

Filing for can be a trying time. However, try to look at it positively. You now have the opportunity

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to start over and do it right. Learn from your mistakes, formulate a new game plan and then move forward. Life after can be much better, than the first time around!

FREE Report: Repairing Your Credit After Bankruptcy. Visit for more great credit repair tips!! After Bankruptcy

Here are some articles to start with..

Bankruptcy Alternative – Is Bankruptcy Still Your Best Bet?
By rethi rai
No chance of repaying your debts, no assets to pledge for any more loans, creditors are threatening action against you – Does this sound like a situation you’re in? You probably feel that bankruptcy Read more...

Are Student Loans Dischargeable When You File For Bankruptcy?
By Mary Wise
Student debt and “undue hardship”If you are buried deep in debt but your debt is mainly student debt you may want to reconsider bankruptcy since almost all student loans are non-dischargeable. Read more...