Debt consolidation is a solution over bankruptcy?

Submitted by Debt Consolidation on Mon, 09/14/2009 - 05:28

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?

Hi Debt Consolidation

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.

Mon, 09/14/2009 - 10:26 Permalink

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.

Thu, 10/29/2009 - 02:45 Permalink

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.

Thu, 10/29/2009 - 03:06 Permalink
spanishwomenirk (not verified)

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.

Sun, 08/11/2019 - 22:18 Permalink
latin girlserd (not verified)

The official timeline of one D

ones six daters, the moment returned to the scene. (thanks to Alex Woody)

While average folks were enthralled by the "bachelorette" Finale on saturday night, Six women in Washington became unwitting players in an epic dating game of their own.

Lisette Pylant met with Justin Schweigerfor a first date over drinks that evening, to find 45 minutes in that he'd double booked. or rather, She learned as the night time went on, That he'd plannedsixconsecutive dates at the actual bar.

Pylant, 26, And average became friends during the bizarre experience yes, genuinely is "John Tucker should to Die" in real life. "I got payed off real well, He now displays to the Post. (This story has undergone an update with his comments.)

time No. A friend who works at Truxton Inn shot Pylant a warning text conveying, As she saidin her flickr thread, this"this person sucks, Pylant would soon find it actually was. But in the beginning she decided to stick it out.

Schweiger incidents he told Pylant "often" That he only viewed her as a fellow worker,She either did not read it [or alternatively] Did not want to hear it, according to him. (Pylant had no thoughts.)

[How to schedule multiple dates in one night right]

court No. " 'This is my best mate, I brought her to it's always recommended to weren't going to kill me,' " She product recalls him saying. "Some comment prefer that,

Pylant competed along, Until Schweiger left to take a mobile phone call. She then filled Incorvaia in on what was likely heading down. "she's got like, 'You would be smart to run, This guy's the most extreme,or,-- " Incorvaia pronounces. "which were my first Hinge date ever, she says. "I don't do online dating service just downloaded it this weekend. This is the action I had, And I don't know if I'll be doing internet dating anymore,

[Rom coms still do not think you can find love online]

night out No. Schweiger had taken into account a smoke break, the particular bartenderpointed to Pylant andIncorvaia.

"I gave myself a little while and then introduced myself, Raven tells. "i was told that they just met, And then I realized it was a triple date, She'd colombia girls already obtained a drink, even, So the three women to be able to hang out, Finish their drinks and later get dinner together in another place. Schweigercame back indoors and, based on Raven, "Continued the relationships as if nothing was wrong,

"in the beginning, i realised i was like, This can't be every day life, She adds. "that I was like, is usually awkward as hell,

Pylant shared that reply and, basically it's 2017, to be able to start tweeting. She'd already been texting multiple friends about the relationship, And Twitter seemed likean easy way to fill workout,the diet in. "It was so absurd and too good of a story not to tell people, she says,Her rant on Twitter is kind of idiotic, he says.

If you're unsure about, absolutely, The conversation was uneasy. Schweiger began to explain why he broke up with his ex girlfriend at one point, based on Pylant's thread, and even Raven "instructed if he also met her on a 'group date.' "

At one point Incorvaia found out that Schweiger had appointed multiple dates in a row before. "The bartender said he did iton Friday night as well and [which experts state] He doesn't normally pay for the bill, She contributes.

They along to Anxo, The cidery across the street.

The two girls and I decided to be best friends, Left together to go get drinks and dinner at another bar and left homeboy within the bill.

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Williamnet (not verified)

Federer v Nadal as industry

2128: As the night fast encloses Centre Court, I can just see two figures dressed in white, Carrying vastly different cutlery. Rafael Nadal has just ended Roger Federer's Wimbledon reign, And has he also replaced the Swiss master as the best player? A question look at day when we've all had a lie down. If you didn't see this final, watch it on iPlayer, attract the DVD, just about anything. you'll see it. It was likely the best match we will see in our lifetimes. I find that crying, So I'll stop twittering on and say bye bye from Wimbledon 2008.

2125: "you can't really explain how I feel. it's a dream. I never imagined I would win this match. It's very tough to play Roger especially here he is a plus when he wins and when he loses. He's still the number one and he's still the best. He's won five and I've one won one,Wimbledon champ Rafael Nadal

2122: "I tried every part. look at, Rafa's a deserving champion. the right way to a joy to play here. It's shame I couldn't win it but I'll be back take better care,jogger up Roger Federer

2121: another huge ovation as beautiful woman in spanish Rafa lifts the trophy, Becoming the first man since Bjorn Borg in 1980 to win the French Open and Wimbledon back to back.

2120: In near night, Roger Federer goes up to assemble the runners up plate a new experience for him at Wimbledon and he receives a massive ovation from the crowd. He looks near tears. basically first Grand Slam final he has lost away from Roland Garros.

2118: Rafa climbs up to the Royal Box to collect a Spanish flag before commemorate national boss's day with his support camp as spanish beauty camera flashes go off all around. Roger restfully sits and puts his cardie on. The five time success is finally dethroned.

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 7 9 NadalNervous start from Nadal as he belts a forehand long. He decides to serve volley now in the match on the next point and wins it. After impelling Fed wide, He puts away another volley moving to within two points. Fed still won't take a nap, A barrage of groundstrokes forcing Nadal to put a volley long. Federer shanks a backhand into the trams and Nadal has a third championship point. You simply have to laugh. Nadal gets the first serve in but Fed simply stretching exercises and returns a backhand cross court which Nadal can only just get a racquet. An ace gives Nadal a fourth chance and this time there's really no miracle. Fed slaps a forehand into the net and Nadal deflates on the turf.

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 7 8 NadalBrilliant by means of Nadal, striking an acutely angled backhand cross court, providing you with Fed no chance. Two break reasons for Nadal. An ace helps you to save the first, A tough forehand the second. But Nadal's rear side at him, another wicked backhand making Fed mis time the forehand. Almost predictably, Fed bangs down ace wide variety 25th ace. A forehand error gives Nadal a fourth break point and these occassions, Fed succumbs pummelling a string of forehands before putting one millimetres beyond the normal. Nadal will serve the title.

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 7 7 NadalA forehand winner gets Rog off to perfect start but Nadal surges into a 40 15 lead. An impudent drive volley pass keeps Fed amongst gamers and he then looks to have pulled off a miracle by getting a ferocious smash back and onto the baseline. A forehand winner from Rafa ends the purpose though and it's fist pumps all round from the Nadal camp. It's starting to get pretty gloomy out there, But play should carry until about 2130 BST.

2059: "We are sat on a hotel ter in Sardinia. Goodness knows what my phone bill would be! think about it Roger! There's a development of cardigan wearers behind you, Lee and sarah via text on 81111

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 7 6 NadalSome ferocious hitting from Rafa forces Rog to go long and it's 0 30. Panic programs for Federer fans but not the man himself. Fed's 24th ace and a perfectly placed volley draw him level and another big serve gets him to 40 30. Fed is in complete control over the point but decides to go for an attempted pass which looks to be going long and puts his volley into the net. Rafa can't make use though and his return off a second serve goes long. Another deuce comes and goes but Fed hangs on.

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 6 6 NadalRafa whips a forehand just into the trams but it's Fed's only glimmer of hope in a normally perfect service game from the indomitable Spaniard. No tie burglary the decider but you knew that, am i right?

2048: "I know I'm not old enough to be able to McEnroe v Borg etc (so i'm 28) But right here is best tennis match I have ever watched, truly, Misselland after 606

2049: "It's my birthday dinner and we are at a top restaurant but I am more thinking about updating the score on my phone than talking to my guests! goes Nadal, Anon via words and phrases on 81111

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 6 5 NadalNadal delivers a testing cross court forehand from a near unachievable position and Fed puts the volley into the net. met the criteria 15 30 and a forehand curler from Nadal gives him two break points. Rog coolly sends down an ace before flicking away a big forehand. We may still be here tomorrow, But who cares about you?

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 5 5 NadalIf Rafa's feeling the stress, He's not showing it offering a wicked second serve ace on the first point. Fed comes back to 15 15 but then puts a return just long. Fed's forehand ever again has Nadal in trouble and that's 30 30. Big roar from the gang, But Nadal forces the big mistake from Fed and then puts away a routine forehand to level it up again.

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 5 4 NadalOne, Big meet, two, considerable forehand. offer is that for Federer? An ace carries him to 40 15. But wait alittle a minute. One, Big function as, two, Massive forehand miles beyond the normal. poorer from Fed. Wins up coming point. all of the sudden, He's a game down title number six. "Roger, Roger, Shout the audience, But I think there were nearly all "Rafa"S within too.

2034: "We're sitting while it is raining in Warwick Castle watching the English National Orchestra playing the songs from We Will Rock You and we're checking the score on an iPhone, And entertaining for Federer, Allie, Tom and matt! Via written text on 81111

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 4 4 NadalBit of demands for Nadal as he drops the first point, But he gets back on track at 30 15 you could brutal serving. Federer recovers to 30 30 and then swipes a dazzling forehand down the road to earn his first break point of the set. But Rafa puts Fed on the back foot with a raking forehand and demolishes the short ball. I have long since run out of adjectives to spell it out how astonishing this match is.

2031: "346 points played it really is 174 172 to Federer,Tim Henman in the BBC remarks box

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 4 3 NadalThe clock ticks to four hours as Federer comes out to serve with the new balls. I have finally hit 10,000 on the word count. Rog eases to a love service game with his 21st ace.

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 3 3 NadalNadal flings a magnificent forehand down the line and both players have started as they finished before the rain break. Rafa races to 40 0 reality he's pegged back to 40 15, He comes all the way through.

Federer 4 6 4 6 7 6 (7 5) 7 6 (10 8) 3 2 NadalTwo aces and it's done and dusted. neural system of steel.

2023: The warm up is over and Roger Federer will serve at deuce and 2 2.

2021: "I'm at an Elton John concert in Perth and hundreds of people are trying to follow the tennis on their phones, Elton clearly isn't a tennis lover,mag and Dot, Via text on 81111(He is though. is not truly he?)

2017: Thudding outside the door of this commentary box as people dash back to their seats. the squad are back too. We might finish this from the end.

2016: "I've been keeping up with the tennis on the mobile, While trying to watch my little girl's ballet show. I still have the second half to go and appear to missing one of the primary Wimbledon finals ever. though, The ballet show is great,step father, Harlow, Via phrases on 81111

2014: "Was gazing at at the pub in Soho, When they turned it off to screen a video footage! What a criminal offence. Thank god for the radio,Anon via reading on 81111

2012: boy, Even the Voice of Wimbledon is feeling the tension. Short but cute, Here's the news: "It is planned to uncover Centre Court with a view to resuming play very shortly.

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