How To Declare Bankruptcy — Get Answers To Frequently Asked Questions

Chapter 13 bankruptcy is often misunderstood, because people think they will lose their entire paycheck or that they have to payback all of their creditors. In fact, chapter 13 is a flexible affordable debt repayment plan that has the added benefit of being overseen by the federal bankruptcy court. One of the main reasons for filing a chapter 13 is to either save your house from foreclosure or to protect valuable property. You can also use chapter 13 if you do not qualify for chapter 7.

Even if you are not exactly blown away by a person at the first date, remember to stay open. You cannot know what secret goodies are hidden in someone just by meeting them once. You have to let a potential partner unfold and show you his/her different sides. If there is any connection with this person at all, give it another chance. Love almost always comes in a surprise package.

The recession has indeed changed the landscape but it has not made it impossible for Joe average to sell his property privately. It has become increasingly obvious to many investors and home owners the party is over in real estate and common sense has to prevail over greed; which is how we all ended up in this mess in the first place.

In contrast, despite being alone, finding love ranks pretty low on your to do list. You come home from work, run errands, answer some emails, call your friends, play with the dog, watch your favorite show, and maybe spend 15 minutes browsing your online dating site. Most of you are better at planning your weekend or vacation than planning your dating life. If you are truthful with yourself, the activities associated with creating a relationship are nowhere near the top of your priority list.

If the renter population is over 10%, there should be clear rental policies, either listed in the bylaws or tacked on as an amendment. Does the management company find renters for you? If so, do they get enough good renters? Ask other tenants about their experience. In addition, ask to see the association’s rental lease, and have a real estate trial lawyer look it over. Keep one thing in mind, though: An association can change its bylaws to prohibit or restrict renting at any time. The more owners who rent, the less chance that will happen.

What if your research determines that the assessed value of your house is out of line? Immediately make an appointment with the real estate lawyer-appraisal company that evaluated the house. Don’t delay; time limits will be spelled out on your revaluation notice.

The person who comes to assess your house may not have extensive training in measuring room sizes and filling out assessment worksheets. Yet what he enters on his worksheet will pretty well determine how your house is revalued. So your first defense against an unwarranted property tax is to make sure he doesn’t jump to any mistaken conclusions.

Buying a home is complicated. Finding the right home for you takes time. You must be patient. This is a very big step in your lives and you don’t want to leave anything to chance.

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