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If filing chapter seven bankruptcy or even chapter thirteen bankruptcy, seems to be imminent, we seriously recommend that you review this quick start list. Just by beginning to throw specific paperwork into specific boxes, you’re creating a platform that will help make getting organized so much easier. Even, if you’re not sure about really moving forward, following these simple procedures doesn’t take much special effort and will make filing chapter seven bankruptcy that much easier of a decision to make. 1. Start collecting bills for monthly expenses such as: electricity, gas, food, cable, phone, etc. In both Chapter Seven Bankruptcy...

The changing face of different societies around the United States and the world is largely due to evolving economies and the general shift away from the same methods and practices of work that were employed during the industrial revolution. As the so-called ‘BRIC’ countries of Brazil, Russia, India and China continue to grow at accelerated rates, the U.S. is faced with a serious concern for how they will keep up with the stiff competition. Computer developers and programmers are well aware of this reality, and have been hard at work speeding up the tools and wireless Internet services that we...

In the recent times that I define as the Great Recession, Americas volatile economy has put its citizens through a roller coaster series of situations and events which has left many of us financially crippled and burdened. With a major depression already on the books (the Great Depression) and a recession that does not seem to be improving so much, I feel that in order to avoid another depression we must first take a look at what caused it in the first place. One of the major causes of the Great Depression was the stock market crash on October 29,...

If we take in consideration just numbers, we may have an easy solution to leasing vs buying a car question. Going for leasing means having less monthly payments and less maintenance and repair costs. However these costs remain more or less constant over the entire time of ownership of different cars (if these cars have the same prices). Going for taking a loan to buy a car means having to pay higher monthly payments. But after you have paid all the payments the car is yours and you do not have to pay anything but maintenance and repair costs. This...

Environmental site assessments, like property condition inspections, may add to the cost of purchasing a property, but could save big headaches (and dollars!) later. While “ESAs” are not normally conducted on the average residential home, they are conducted on improved and unimproved commercial and industrial properties and raw land because of a lender requirement or policy. Significant risk or liability can be minimized by obtaining a report, which is necessary for the purchaser to assert a defense under federal law in the event contamination is found and cleanup is required. The baseline for conducting ‘all appropriate inquiry’ is the American...