Posted on March 2, 2010 at 5:48 am You should talk to him very cordially and friendly.you also have to make lovely behave with him/her.

Posted on March 2, 2010 at 5:56 am Oh hi there, - was the thread topic about - How to deal with your creditors/collectors?Or how to avoid  bankruptcy?

Posted on March 5, 2010 at 2:41 am How to deal with bankruptcy?

Posted on March 5, 2010 at 7:37 am If you are considering bankruptcy, you really should look for other alternatives out there before you go the BK route.  While the attorneys will probably tell you it’s an easy, cheap process and you’ll get Chapter 7 approved, the reality is that it’s very expensive, requires lots of upfront money, and it’s now extremely hard to get Chapter 7 from the courts.  Instead, you’ll probably end up in Chapter 13 which can cost you a lot more money than expected, and you have all of the negative effects of the BK on your credit report for up to 10 years!  There are alternatives that can help keep you out of bankruptcy, but you must qualify first, the programs are not for everyone.  You can try calling a company  who can explain to you these other alternatives and help determine if you qualify and what program is best for you.  They’ll give you a free consultation if you call and will let you know if Bankruptcy is the best option you have.   it’s worth a shot before ruining your credit for that long and having to deal with the lengthy court process……..

Posted on March 7, 2010 at 1:49 am If bankruptcy proceedings are taken against you, or you are thinking of making yourself bankrupt, it is vital that you get your own legal or financial advice from a Citizens Advice Bureau, a solicitor, a qualified accountant, an authorized insolvency practitioner, a reputable financial adviser or a debt advice centre. You can visit http://www.nationaldebtline.co.uk/For someone with considerable debts, no income and no assets, bankruptcy is probably the best option.

Posted on March 13, 2010 at 4:37 pm What CDA says is simply not true.  While the Bankrutcy laws changed in 2005 to make it harder to file chapter 7, the reality is that it affected very few people.  Qualifying for chapter 7 is a real possibility.  Depending on your area, attorney fees for chapter 7 can range from inexpensive to expensive.  Be careful of the debt programs that take your money in the beginning to pay their fees, only negotiate the samll credit cards to show you "results", and then never do anything with the large credit cards.  Often you find yourself being sued on credit cards the debt management company was supposed to be negotiating for you.

Posted on March 15, 2010 at 1:41 am I guess this is now a how to deal with bankruptcy thread -and I agree with the previous posts with regards togetting a legal counsel- why? - because your case could bedropped via technicalities. If you can't afford a bankruptcy attorneyor its full services - ask for what they call a bundled service.