Wednesday, July 25

Can you file bankruptcy and discharge your student loan debts?

When a person is in debt and he feels that he doesn’t have the ability to repay them with the meager funds that he has, he usually takes the decision of filing bankruptcy. Most unsecured and some secured debts are discharged through bankruptcy, but unfortunately since the amendment of the US Bankruptcy Code in 1998, most federal student loans were not discharged through bankruptcy, whether Ch 7 or Ch 13. This particular code was amended even further and this barred the private student loans from bankruptcy discharge too. However, you may be relieved to know as a student that the court will discharge student loans only under certain situations. Here are some steps that you may take.
  • Hire an attorney and check your situation: As a student, you may not know the details of bankruptcy and hence you should hire a bankruptcy attorney who can examine your situation in order to determine whether or not you qualify for the student loans to be discharged through the court. You should be aware of the fact that the court will only accept discharging your debts when you can prove that you’re going through undue financial hardship. If you’re physically not able to work, or seriously ill or in any other situation that is not letting you earn money, the court will accept your verdict.
  • File a petition: When you check with your attorney that you qualify for the discharge, you need to file a petition of too much hardship with the bankruptcy court. This particular petition will also be attached to the bankruptcy petition and will also explain the situation that you’re unable to continue making the student loan payments.
  • Meet the judge: Then you should present the case in front of the judge and let your attorney assist you by explaining your present financial situation in front of the court. If you both are successful in preparing the motion, the judge may consider including your student loan in bankruptcy.
Therefore, when you’re wondering about discharging your student loans in bankruptcy, make sure you follow the above mentioned steps. You may get back on the right financial track through such an option but this may hit your credit score.

Wednesday, February 1

Cleveland Volcano

Cleveland Volcano alerts upgraded on renewed activity (again) Alaska Dispatch | Jan 31, 2012 According to the Alaska Volcano Observatory, the aviation color code and the alert level of Cleveland Volcano was upgraded on Tuesday to "Orange" and "Watch" to reflect new satellite data indicating increased activity.  Cleveland Volcano is a 5,676-foot (1,730-meter) mountain that rises above the remote Aleutian Islands in Alaska.  Cleveland volcano forms the western half of Chuginadak Island, a remote and uninhabited island in the east central Aleutians.
Mount Cleveland  (also known as  Cleveland Volcano ) is a nearly symmetrical  stratovolcano  on the western end of  Chuginadak Island , a remote landmass in the  Aleutian Islands  of Alaska.  Mount Redoubt is ready to blow, but Alaskan's are taking it in stride -- especially longtime residents who were around when the mountain last erupted in 1989.  Mount Cleveland  (also known as  Cleveland Volcano ) is a nearly symmetrical  stratovolcano  on the western end of  Chuginadak Island , a remote landmass in the  Aleutian Islands  of Alaska.
Officials are monitoring a remote Alaska volcano that could launch an ash cloud, potentially threatening intercontinental flights.  The Alaska Volcano Observatory said satellite images at 4:02 a.  Using satellite imagery, scientists at the  Alaska Volcano Observatory  (AVO) have determined that Alaska's  Cleveland volcano  may be ready to erupt and have issued a code yellow eruption advisory.
        I hope everything goes fine. Country is already in turmoil and if this happens it will really affect Americans.

Tuesday, January 31

Article Marketing

          Article marketing can be the single most effective way to get free traffic to your website or free promotion for you affiliate links.  Super lens on article marketing.  Acquiring customers to call at your Internet marketer URL is definitely the difficult portion of website marketing.  Super lens on article marketing.  Article marketing is a rather simple process and is one of the best search engine optimization tools that any webmaster can use to boost their organic search engine results.  It's easier to market a niche specific website than a very general one, and the same is true when it comes to article marketing.  The goal of this article is to inform you how to properly promote your website using article marketing and article submission directories.  For the best results out of your article marketing campaign, you will want to take extra care when you are writing your articles that you plan to submit the various directories.  You must produce articles that obtain traffic from the search engines. 
         For the best results out of your article marketing campaign, you will want to take extra care when you are writing your articles that you plan to submit the various directories.  Article marketing and article submission directories plays an important role to get high traffic and to promote once website.  You do not want to be writing your article just to get a website visitor or to sell a product or service, even though those may be your real intentions in writing the article.  
       You do not want to be writing your article just to get a website visitor or to sell a product or service, even though those may be your real intentions in writing the article.  We recommend Article Marketing Automation (AMA) above a lot of the other services because this service is actually quite different and can offer some proven results.  Acquiring customers to call at your Internet marketer URL is definitely the difficult portion of website marketing.  Article marketing is a rather simple process and is one of the best search engine optimization tools that any webmaster can use to boost their organic search engine results.  
      Article marketing is a rather simple process and is one of the best search engine optimization tools that any webmaster can use to boost their organic search engine results.  Article marketing can be the single most effective way to get free traffic to your website or free promotion for you affiliate links.  You do not want to be writing your article just to get a website visitor or to sell a product or service, even though those may be your real intentions in writing the article.
  To go to article directory click here

Sunday, January 29

Some Information About Bankruptcy

Background                 
                  Bankruptcy in the United States is a matter placed under  Federal jurisdiction  by the  United States Constitution  (in Article 1, Section 8, Clause 4), which allows  Congress  to enact "uniform laws on the subject of bankruptcies throughout the United States.  Bankruptcy HQ’s nationwide network of local bankruptcy lawyers and attorneys has agreed to review your budget and finances to help determine if bankruptcy is right for you.  Bankruptcy Attorney :  Bankruptcy attorneys should be thought of as full service providers, as they can advise filers on the best time to submit paperwork, whether or not they qualify to file for Chapter 7, other potential options that may be better for the filer, verify that all requirements have been met so the filing will move along properly, and what assets will be protected from the filing.  Bankruptcy fraudulent transfer law is similar in practice to non-bankruptcy  fraudulent transfer  law.  Bankruptcy laws are different in each state, and many states have multiple districts that apply their own rules.

Chapters
            Chapter 13 of the United States Bankruptcy Code, also known as Chapter 13 bankruptcy, gives individuals an opportunity to reorganize financially while being overseen by the federal bankruptcy court system.  Chapter 7 is intended for those looking for a fresh start.  Chapter 7 bankruptcy and Chapter 13 bankruptcy provide two different ways to regain control of debt.  Chapter 7 of the bankruptcy code, also known as Chapter 7 bankruptcy, is sometimes referred to as “straight bankruptcy”, and is essentially just the process of liquidating one’s assets under the laws of the United States that govern bankruptcy.  Chapter 13 is commonly referred to as the “reorganization”  bankruptcy.


Filing
        Filing  bankruptcy  is a personal decision which should be based on your specific circumstances.  The main disadvantage of filing for any type of bankruptcy is that it can remain on an individual’s credit report for as many as ten years.  The next step when filing for Chapter 13 is to pay for all necessary fees.  The goal of a bankruptcy filing varies from one debtor to another, and according to the type of bankruptcy being filed. Some debtors can get a large part of their debts written off, while others can get it rearranged into a repayment plan.  So, before filing for bankruptcy, you should consult a debt counselor for avoiding negative consequences.

          For News and Updates about bankruptcy click here

Thursday, July 14

Freeusipad.com

         I heard an advertisement on my local FM called WJJS in Lynchburg,Virginia. It was about trying Ipad and getting it free. The name of the site was freeusipad.com . I have already tried many of the survey program and instead of getting it anything for free, I have ended up paying a lot. It was a painful process to cancel all the offers. But all that survey was found on the net so i don't have blame anybody. I should have done some research before signing up. But as wise man said," Don't cry over spill milk" so I want say any further story of the past.
        After hearing the ad on the radio, I thought it might be true. So I decided to give a try. But do you know what happened, it happened the same thing. I ended up signing up again. But this time I thought to chose the program which I needed and was of little cost or free trial. But what I read the terms and conditions accidentally at the bottom where it says you need to sign up for 13 offers:-
  • 1st Step- 2 offers
  • 2nd step- 2 offers
  • 3rd step- 9 offers
 Second condition was you cannot cancel up to month i.e if you tried something for one month trial then you have to pay for one month in order to qualify Free Ipad offer. That was a bummer. If you do math for these offers. Every offer you need to pay at least $40
  13 X $40= $520 New Ipad comes for almost around $500 
So basically you are not getting Ipad free but you are paying it. I know you can cancel all the offers by end of the month but you must understand the pain of cancelling them. Its too boring and painful. Even if they accidentally charged your card, it will take days or week to get it back. And if you missed the deadline its very rare you will be shown mercy by the company to refund you. So my friend be careful. It does not look like a scam but can be scam if you don't understand carefully.
    Always remember economics rule TANSTAFL(There Are Not Such Thing As Free Lunch)
This is copy of the site conditions:
"Sponsor Offers. You must participate in and satisfy a total of 13 Sponsor Offers as follows:
Page 1: 2 offers
Page 2: 2 offers
Page 3: 9 offers
To satisfy the requirements for the Free Apple iPad 3G, you must participate in the above-stated number of offers for each page (participating in offers in excess of those stated above for a given page does not reduce the number of offers in which you must participate on the other pages), and you must complete each of the Sponsor Offers pages listed above.
Please note Sponsor offers may require you to sample and/or purchase products of interest and/or take other actions such as applying for or obtaining a loan or extension of credit (including credit cards), transferring a balance, or similar steps. In order to remain eligible for your gift, you must complete all of the sponsor offers that require you to sample and purchase products of interest within 180 days of signing up for our service."

Sunday, January 16

Search Engine Optimized Web Directory

        I bought a website directory.It has  free and paid options  no gimmicks and no scams.  There are some ads but its not going to annoy anybody. I added ads to help me and visitors. They can find in my website or through ads whichever interest them.You can rate website that interest you and also you can share with friends and loved ones.But I am thinking of adding article section in the future.Generally of every kind. I am working on it to make public.
The very good thing about this site is you can rate website and notify me about the dead link. So if the link is dead I remove them. So all the sites here are live and rated by users like you and me.This directory is not so different than other site.But still you are free to check it out.I am sure you won't regret it.
Any suggestion for the site is more than welcome.
The web directory is http://www.dragonflydirectory.com