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Debt consolidation is a solution over bankruptcy?

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Debt Consolidation



Joined: 05 Jun 2009
DebtConsolidation's page
Posts: 9



513 Magic Points

Subject: Debt consolidation is a solution over bankruptcy?
 
Posted on Mon Sep 14, 2009 5:28 am  

Hello All,

Bankruptcy is impressive so as to people think essential at what time they start to suffer that they are incapable to pay the late payments on their unusual loans or credit cards.

So my question is Debt consolidation is a solution over bankruptcy?
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carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30064 Magic Points

 
Posted on Mon Sep 14, 2009 10:26 am  

Hi Debt Consolidation

Quote:
So my question is Debt consolidation is a solution over bankruptcy?


Yes. Although both of these have a negative impact on your credit report, bankruptcy has a worse effect than debt consolidation. At least debt consolidation reflects your desire to pay back the debts instead of not paying a penny. However, by the new bankruptcy laws, if you want to file BR, you will first have to go for a debt counseling where it will be determined whether you really need to file bankruptcy or may do with a payment plan only. If you may file BR then you need to decide what chapter you will file.

Filing bankruptcy is not as easy as it used to be earlier. Today by the new BR laws you need to find a means to repay your loans rather than wipe your hands off them. I would always suggest debt consolidation over BR anytime.
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Carol
MrsCasanova



Joined: 29 Oct 2009
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Posts: 2



26 Magic Points

 
Posted on Thu Oct 29, 2009 2:45 am  

I agree. Anything is better than bankruptcy. If you are concerned about Debt Consolidation try going to a profession, such as a non-profit credit counselling agency for advice.
debranewell2008



Joined: 10 Oct 2009
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Posts: 591



109 Magic Points

 
Posted on Thu Oct 29, 2009 3:06 am  

Of course anything is better than bankruptcy but that all depends on your ability to pay. With me my chapter 13 payment alone was over $600 a month not counting other bills. Even the trustee told me to file chapter 7. So you might go into it wanting to do the right thing but remember in dealing with bankruptcy it's not always up to you. So yes if you can afford debt consolidation that is your best move.
spanishwomenirk
Guest






 
Posted on Sun Aug 11, 2019 10:18 pm  

Daily reminder to forget about international dating if you're a man

1: Be courteous, Friendly and dynamic.

2: Do not tell anyone they may not be forever alone enough to be here. Foreveralone has no firm definition but here is a list that offers an idea of what it all about. Forever Alone is not something you accomplish, Its something you use to spell out yourself.

3: Do not post inflamed comments or threads designed to generalize, Demean, Insult or otherwise degrade an entire crowd (compete, even if, Sexual positioning, faith etc).

4: this is simply not an incel sub, Any incel sources, jargon, Or inference are going to deemed hate speech and met with a ban

5: Avoid posts that serve only to build up other blogs, Subreddits or external sites as we have no control of these external resources. these posts may be removed.

7: Any posts created to purposefully start drama on any subject will be removed. backlinks other subreddits, Crossposts along with other subreddits, widely calling out other users, or anything else,.,and so.) This also includes Meta chitchats about the sub or Moderation Policy. What you seem to not understand is that the guys here really don get a chance to do some thing. We get complete radio silence or being rejected. No one is saying you should appreciate getting unsolicited sex message from men you don want to fuck. within the, You should appreciate getting some well meaning messages from dudes that you choose to reject or accept. not to mention, We all know you do get one particular, Because we all send those kinds of mail messages. Every profile experiment that gets posted here is partly to prove just that time. It isn all vitriol like you and NYCfem try to create it sound like it is. Admit that some of the are innocuous messages from guys you just aren interested in.

Do girls really hate sex a new great deal? I always thought is pleasurable experiences for all parties, But ready comments like this make me wonder if girl just have sex so men get in relations with them.

All the communications, Like I identified, Are many guys with low standards that will screw anything.

definitely, Do you feel entitled to a perfect 10 or why are these men already written off before you have a relationship with them? this is because have low standards? basically, What to you as the girl provide to attract guys who have higher standards? If we would behave this way, We would get ripped apart with paragraphs like "reduce standards" and / or maybe "Date a good league"

in reality, I read a thread in the women sub where we men were charged with only chasing 8/10 and 9/10. Now when men notice you FA girls and experience you, They don't have you feeling special enough. But if its some random guy who messages every girl in the area just to be able to someone to stick his dick in, It isn't going to be pleasurable, Hes considering getting himself off, nearly, And not give a damn the actual girl, Hence organizations "put and dump,

Well if the sex is bad, Then make it satisfying. I'm pretty sure there are ways and methods for a girl to get her share concerning an ONS. you have the chance for sex, So you have the chance to make it good.

I do not feel eligible for anything.

Yet you are shitting on men with low ideals.

I am not a special snowflake and I am not needing someone to make me feel "exceptional enough, I just need to be with someone I can care about, adoration, And to enable them to care and love me back. I am also hardly ever salty because "Chad" doesn't want me, That silly. ahead of your choosing to ask someone else out, That choice means nothing if each other doesn say yes. nowadays, This wouldn be a problem if women viewable the same behavior as men when it came to proactively asking people beautiful lady in spanish out. regardless, They don it will always be men asking and women deciding. I can pick to apply to Harvard, But that doesn mean I get to figure out if I go to Harvard or not. And I get announcements like: are you interested in a lover? (Let put it in a polite way here) From guys could possibly "Seeking serious marriages" Profiles throughout the day,every day. I know for a fact those guys would like love, Just avoid me.

It is VERY bad for your self esteem to be treated like an object or a fucking kleenex. But you won convince some FA guy of this. Some men here want sex and they want it so much they think sex with someone who doesn give a shit about them is an improvement on nothing.

They be convinced when it finally occurs to them and they now lonely, Heartbroken and enduring used. Which is soooooooo much better than only feeling lonely! Then I guess they will entirely.

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