rajshukla
Joined: 03 Jan 2012
Posts: 160
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 Posted: Tue Jan 03, 2012 12:33 pm Post subject: hi |
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Becoming bankrupt could cause you, your family or your business financial issues for many years. Many people have huge financial problems but bankruptcy must be the last option with regards to your debt crisis. Getting personal bankruptcy help early so problems can be rectified is very important, but not everyone will realise they are heading into a financial abyss. Over the last few years the topic of foreclosure has gotten a lot of press. What's funny is, there hasn't been much said about large amounts of credit card debt that Americans have today. Credit card debt is probably the number one thing that causes more bankruptcy filings than anything else. After listening to all the talk about raising the debt ceiling, it dawned on me about the changes that Congress made to the bankruptcy code in 2005. When the bankruptcy code changed in 2005, Congress added a pre-and post-bankruptcy credit counseling course that was required for every one filing for bankruptcy. And then it clicked, it's obvious that Congress should take their own advice and have a rule before anyone can come into the House of Representatives or the Senate, they'll be required to take credit counseling to explain what it means to spend more than you have coming in...
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