Kebangkrutan dan Ujung Berguna Karena menghindari Itu
Oleh essmeier
Penyalahgunaan dan Perlindungan Konsumen bertindak diberikan pada awal 2005 dengan maksud memperbarui Amerika Undang-undang sewaktu kami mengetahuinya. Undang-undang yang sudah ada, menurut Kongres dan perusahaan kartu kredit, membolehkan terlalu banyak pengutang yang mungkin cakap membalas sedikitnya beberapa utang mereka menyebabkan mereka dihapus di samping pengadilan. Undang-undang baru dimaksudkan, dengan benar atau keliru, untuk menghapuskan "kebangkrutan waktu yang tepat" yang membolehkan banyak konsumen berhutang dengan tidak membalas mereka. Di bawah undang-undang baru, menyimpan ialah lebih banyak lagi sulit, waktu memakan dan mahal; begitu banyak agar sudah menghalangi banyak akan-ialah juru arsip dari meminta keringanan utang lewat pengadilan.

Diberi keringanan utang itu lewat Pengadilan adalah sekarang begitu banyak lebih sulit, dapat dimengerti bahwa konsumen dengan ganjal rancangan undang-undang mungkin mau meminta pilihan. Untuk melakukan itu, pengutang perlu merasakan suatu cara lain mengelola utang meningkat mereka. Di bawah adalah sedikit ujung yang mungkin menolong konsumen menghindari menuntut kebangkrutan.

Merundingkan dengan kreditor anda - secara umum gagasan baik berbicara dengan kreditor anda begitu anda mempunyai masalah. Jika anda sedang merindukan bayaran, menilpon mereka dan menerangkan mengapa. Kreditor mau dibayar, tetapi mereka juga tahu bahwa tiap orang mempunyai masalah keuangan sesekali. Mereka mungkin dapat menyusun perjanjian pembayaran kembali dengan anda bahwa anda bisa memberi. Anda akan mendapat lebih banyak kerjasama lagi dari anda lenders jika anda jujur dan menerangkan masalah anda daripada untuk dengan sederhana berhenti membayar tanpa keterangan.

Minta kredit yang menasihatkan - Kredit yang menasihatkan sidang wajib karena menuntut kebangkrutan, tetapi banyak orang dengan sedikit atau tak ada gaun malam latihan keuangan bisa beruntung dari menjumpai dengan counselor dan menerangkan masalah keuangan mereka. Agen bisa menawarkan pertolongan dengan pimpinan uang dan rencana pembayaran kembali. Mereka mungkin menjadi rata dapat merundingkan beberapa syarat-syarat yang lebih baik dengan kreditor anda jika sudah tidak dilakukan anda oleh sebab itu sendiri. Banyak agen ialah non-keuntungan, oleh sebab itu anda secara umum akan merasakan servis mereka menjadi cukup dapat diberi.

Dapat pinjaman konsolidasi utang - pinjaman konsolidasi adalah yang menggabungkan beberapa utang, sering di suku bunga tinggi, ke dalam satu pinjaman di laju lebih rendah. Pinjaman aset rumah ideal bagi ini, dan makasih ke naik harga properti, banyak orang sekarang mempunyai jumlah lumayan aset di milik mereka. Sebagai bonus, bunga atas pinjaman aset rumah adalah pajak dapat dikurangi. Kartu kredit lain dengan laju pendahuluan yang menarik bagi rendah juga baik untuk mengkonsolidir utang.

Sell your house - If you do have a lot of equity in your property, it may become necessary to sell your house to pay your bills. This is a drastic step, as you will have to find another place to live, but if the alternative is losing your home to foreclosure, it may be the only sensible choice.

Bankruptcy shouldn't be taken lightly. Having your debts removed by the courts will leave

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a mark on your credit report for up to ten years and will make it more difficult and expensive to borrow money or obtain credit in the future. Smart consumers know that avoiding bankruptcy, if at all possible, is a smart financial move.

©Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including End-Your-Debt.com, a site devoted to debt consolidation , credit counseling, payday loans and personal bankruptcy. He also created The Debt Consolidator .