iFocus.Life News News - Breaking News & Top Stories - Latest World, US & Local News,Get the latest news, exclusives, sport, celebrities, showbiz, politics, business and lifestyle from The iFocus.Life,
Browsing Category

Bankruptcy : Business & Finance

What Are the Differences in Chapter 7, 11 & 13 Bankruptcy?

Bankruptcy is the legal recognition of the fact that a person is financially insolvent or cannot meet his debt obligations. While bankruptcy has long lasting negative consequences for debtors, it also provides the chance for a financial fresh start. According to the U.S. court system, bankruptcies a

Will a Creditor Sue?

Credit card companies and other types of creditors are entitled to receive what you owe them. Defaulting on your bills damages your credit score, after which it becomes difficult to get credit. What's more, when you fall behind on your payments, your creditor can sue you.

Can SSI Back Pay Be Garnished?

Creditors have a variety of means of getting paid what they are owed by debtors. A creditor is allowed to sue a debtor in civil court -- as long as the statute of limitations in the state for debt has not expired -- and, if the creditor wins, he will often be allowed to seek a garnishment order for

The Need To Knows of Bankruptcy

Now that Christmas is past, many consumers are starting to second guess the credit card debt they ran up over the holidays. With the new year approaching quickly, many bankruptcy attorneys are expecting a very busy year in 2011. Many are expecting the numbers for bankruptcies filed in 2010 to break

How to Get an Unsecured Debt Consolidation Loan

Unsecured debt consolidation loans can seem like the perfect solution to making lots of payments every month on high-interest debts to different creditors. However, there are many pitfalls to debt consolidation loans. Although paying all your debts in a single payment may be more convenient, that do

How Long Can a Creditor Attempt to Collect a Debt?

When a debt is unpaid and a creditor attempts to collect it, a statute of limitations may apply. Federal and state laws define how long of a period the creditor can collect a debt, and after this period ends, the creditor may not attempt to collect the debt, even if it was valid. The statute of limi

Bankruptcy Register and the Information on Bankruptcy

Bankruptcy is not at all a concept that can be dealt with easily. You never know which trouble awaits you regarding your financial disorders, even though you file for the bankruptcy petition. You have to ...

What Are the Benefits of Claiming Bankruptcy?

When credit cards bills, mortgage payments or medical bills are overwhelming, many people consider filing bankruptcy. However, the process may be confusing and scary because the legal system is involved. There are certain benefits that filing for bankruptcy can provide.

Avoid Bankruptcy, Keep Your Credit Records Clean

You cannot expect to be extended preferential credit terms if you have something as adverse as a bankruptcy filing on your credit report.  Chances are, your credit score is right through the ground, shunning your ...

Easy Ways to Help Pay Debt

If you find yourself saddled with a mountain of debt, you're not alone. The Nilson Report found that households with at least one credit card had run up credit card debt of more than $10,000 at the end of 2008. That's a lot of debt to deal with. But by following a few simple steps, you can pay down

What Is The Importance Of a Mass Affluent Certification Program?

As wealth consultant it is vital that you are completely knowledgeable and skillful in all aspects of financial services. You have to be able to provide the best financial advice and assistance to help reach the goals of your mass affluent clients. In serving well your high end clients it is also a

Types of Feet on Antique Furniture

Antique furniture enthusiasts love details, including whimsical and functional carved feet of chairs, tables, secretaries and highboys. The "Field Guide to American Antique Furniture" helps antique furniture buyers identify many charming foot motif designs, including arrow, block, ball, claw-and-bal

How To File For Chapter 13

The filing fee or an application to pay the filing fee through the plan must accompany all petitions and schedules. Petitions without one or the other will not be acknowledged. It is advised that filing fees must be paid either by cash, cashier's check, money order, or an attorney's firm c

Can I Keep My Stuff in a Bankruptcy in Wisconsin?

Residents of Wisconsin may file for Chapter 7 or Chapter 13 bankruptcy protection depending on their situation. In Chapter 7 bankruptcy, the court eliminates your liability for certain debts in exchange for surrendering some of your assets. The bankruptcy trustee who oversees your case will liquidat

What Is IRS Form 982?

You must fill out IRS Form 982 if you have been released of an obligation to pay a financial obligation. Such discharge must be reported to the tax authority, as it may qualify as income, and be therefore subject to income tax.

What Happens When a Pension Is in Wind-up?

Most pension plans are sponsored by an employee's company. When a company decides that it no longer has the ability to financially support its employee pensions, the pension fund may go into wind-up. Understanding the wind-up process can help a pensioner prepare for changes that may affect his retir