Tunfel – Debt Consolidation

Debt Consolidation USA Explains Chapter 7 Bankruptcy Filing

31.07.2014 (7:19 am) – Filed under: Debt Consolidation ::


Dallas, TX (PRWEB) July 30, 2014

Debt Consolidation USA shares in an article recently published last July 28, 2014 how consumers who are in a really tight financial spot should proceed with Chapter 7 bankruptcy. The article titled “Step By Step Chapter 7 Bankruptcy Process” explains the process involved that can help debtors manage expectations.

The article starts off by sharing how in 2013, statistics show that healthcare is the leading cause of consumers filing for bankruptcy. It has overtaken credit cards and even mortgage loan as the leading trigger that puts consumer in so much debt that the only financial option is to file for bankruptcy.

Chapter 7 is preferred by most people because it discharges the debt. Their assets that are outside the exemption list will be liquidated and used to pay off creditors. But this is easier said than done. Knowing the process in filing for bankruptcy can help the consumer proceed with it accordingly.

The article shares that the first thing a debtor must do if bankruptcy is the only option is to meet with the lawyer. Though bankruptcy can be done without help from a lawyer, it is best to have a lawyer to help with the process. There are some processes and jargons in bankruptcy filing that a lawyer can explain in layman’s terms.

There is also a means test required for every debtor filing for Chapter 7 bankruptcy. The article explains that this is meant to assess if a consumer’s financial capacity still qualifies for a Chapter 13 bankruptcy. If it does, debts will not be discharged and a repayment plan will be laid out by the bankruptcy court.

The article explains that the next step is to prepare the document to file. Commonly referred to as “schedules” in bankruptcy, these can include a consumer’s income, expenses, debts and even other financial transactions. Next step would be to have the lawyer file the petition supported by the schedules and followed right after by filing the statement of intention.

There is also a 341 meeting or the meeting with the creditors. This is set to have the lenders ask the debtor a couple of questions about the finances. To read the rest of the article, click on this link: http://www.debtconsolidationusa.com/bankruptcy-2/step-step-chapter-7-bankruptcy-process.html.







3 Best Debt Relief Companies for Struggling Nevadans Announced by BestDebtConsolidationLoans.org

09.06.2014 (8:04 am) – Filed under: Debt Consolidation ::


Las Vegas, NV (PRWEB) June 09, 2014

It’s clear that Nevada was one of the states hit hardest by the housing crisis that began in 2007. The state’s unemployment rate remains at a stubbornly high 9.0% ranking it worst in the U.S. Nevada also leads the nation in foreclosed homes. As recently as November of last year, notices of default, which are what start the foreclosure process, surged to 1,419 filings statewide, which was up 226% from early July. And foreclosures in Clark County (Las Vegas) made up 1,135 of those filings. This compares with 340 just a month earlier.

To make matters even worse, Nevadans carry $ 6,145 in credit card debt per borrower vs. the national average of $ 5,235 per borrower.

When you add to these numbers the ever-growing costs of fuel, food and other basic necessities, it becomes obvious why so many Nevadans have fallen into big debt.

The company BestDebtConsolidationLoans.org recently undertook a survey of the debt consolidation loan options available on line that could help Nevadans struggling with debt. It found that while there are fraudulent companies operating online that there are honest and ethical companies that can help individuals and families find relief from their debts.

A spokesperson for BestDebtConsolidationLoans.org pointed out that people facing big debt would often jump at just about any program that promises fast, easy debt relief. “We did this study,” the spokesperson reported, “to learn which debt relief companies were legitimate and that could help Nevadans cope with their debts without being scammed. We used six criteria in evaluating these companies – how honestly they treated their customers. Our survey found what we believe to be the three best companies given these criteria – National Debt Relief, CuraDebt and American Debt Enders.”

BestDebtConsolidationLoans.org found that the “best of the best” or the number one debt relief company for Nevadans is National Debt Relief. The analysts at BestDebtConsolidationLoans.org gave it their top position based on several factors, especially the way it treats its customers. As examples of this, National Debt Relief charges nothing until it has settled a customer’s debts satisfactorily and he or she has approved a payment plan. Also, the company allows customers to cancel out at any time if they are dissatisfied with the service they are receiving from National Debt Relief and without being charge with a cancellation fee.

BestDebtConsolidationLoans.org also gave National Debt Relief high marks as it consistently has an A rating with the Better Business Bureau and because it belongs to professional organizations such as the American Fair Credit Council. In addition, National Debt Relief customers almost always report they were “very satisfied” with the services and programs they received from the company. It also ranks number one for debt relief providers on Top Consumer Reviews.com.

BestDebtConsolidationLoans.org ranked the company CuraDebt as the second best alternative for Nevadans looking for debt relief. This company specializes in helping people that have more than $ 10,000 in credit card debt. It is almost always able to help its customers become debt free due to the close working relationships it has developed with the credit card companies over the years. In addition to being able to provide its customers with credit card debt reduction plans, CuraDebt counselors can also help with programs geared towards student loan debts, defaulted debts and tax debts.

BestDebtConsolidationLoans.org ranked the company American Debt Enders third best option for Nevadans. It has been in business for a bit less than eight years but has already established a reputation for being able to help people with $ 5,000 or more in debts. Its debt counselors are said to be compassionate and responsive and can handle almost all types of credit problems. American Debt Enders is even usually able to help those consumers who want to improve their credit scores.

Nevada residents, who would like to know more about these debt consolidation loan companies, should visit http://www.bestcreditconsolidationloans.org.







Eliminate Debt Fast Without Bankruptcy Or Debt Consolidation

04.01.2014 (7:09 am) – Filed under: Debt Consolidation ::

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Personal Finance Guide – Thinking Beyond Debt and Debt Consolidation

04.01.2014 (7:06 am) – Filed under: Debt Consolidation ::


Personal Finance Guide – Thinking Beyond Debt and Debt Consolidation

from How to Get Out of Debt, Improve Your Credit, and Increase Your Wealth

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How To Pay Off Student Loans – Student Loan Consolidation – Getting Out Of Debt

04.01.2014 (7:06 am) – Filed under: Debt Consolidation ::


How To Pay Off Student Loans – Student Loan Consolidation – Getting Out Of Debt

from Student Loan Consolidation – Getting Out Of Debt – Single

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Bellwether – Debt Consolidation

04.01.2014 (7:05 am) – Filed under: Debt Consolidation ::


Bellwether – Debt Consolidation

from The Elephant in the Room – EP

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Hello world!

25.12.2013 (7:59 am) – Filed under: Uncategorized ::

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