http://www.debtreliefguy.com/debt-relief/ Debt relief can get you into a lot of trouble if you're not careful. Find out how to get true debt relief today. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 Ads for debt relief are often times thinly-veiled ads for bankruptcy. But there is a better way to seek debt relief than giving up and filing chapter 7. There is no reason why any consumer would have to do that. Not with the overwhelming amount of financial resources currently available. It's an explosion! Debt relief and you There are two primary types of personal bankruptcy that are advertised as debt relief: Chapter 13 and Chapter 7. Each must be filed in federal bankruptcy court. The current filing fees are $185 for Chapter 13 and $200 for Chapter 7. Attorney fees are additional and can vary widely. The consequences of bankruptcy are significant and require careful consideration. Usually you don't want this unless you are completely desperate for debt relief and have no other options. Chapter 13 allows you, if you have a regular income and limited debt, to keep property, such as a mortgaged house or car, that you otherwise might lose. In Chapter 13, the court approves a repayment plan that allows you to pay off a default during a period of three to five years, rather than surrender any property. This is a good kind of debt relief but stays on your credit report forever - a smear, if you will. It's like being branded a child molester - you'll never grow out of that reputation. Better flee the country, change your name, and get plastic surgery to reconstruct your face. The seventh chapter in the book of debt relief Chapter 7, known as straight bankruptcy, involves liquidating all assets that are not exempt. Exempt property may include cars, work-related tools and basic household furnishings. Some property may be sold by a court-appointed official-a trustee-or turned over to creditors. You can receive a discharge of your debts under Chapter 7 only once every six years. This is a panicky sort of debt relief. It's waving the white flag, cowardly giving in, crying "Uncle!" Both types of bankruptcy may get rid of unsecured debts and stop foreclosures, repossessions, garnishments, utility shut-offs, and debt collection activities but eventually arrive you at total debt relief. Both also provide exemptions that allow you to keep certain assets, although exemption amounts vary. Personal bankruptcy usually does not erase child support, alimony, fines, taxes, and some student loan obligations. Also, unless you have an acceptable plan to catch up on your debt under Chapter 13, bankruptcy usually does not allow you to keep property when your creditor has an unpaid mortgage or lien on it. Sat, 26 Jul 2008 15:00:00 EDT http://www.debtreliefguy.com/debt-relief/debt-relief-program.html A debt relief program changes your money status. Wouldn't that be financial? Ah yes, a debt relief program does that too. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/debt-relief-services.html Debt relief services are your one-stop source for information. Find out all you need to know about debt relief services today. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/emergency-debt-relief.html Emergency debt relief is your source for information. Find out all you need to know about emergency debt relief today. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/debt-relief-service.html Debt relief service choices are abundant. This is what you should know before selecting your debt relief service. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/debt-relief-clearinghouse.html Debt relief clearinghouse is your one-stop source for all the info you need. Find out all you need to know about debt relief clearinghouse today. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/debt-relief-solution.html Debt relief solution information can be found here. With a little luck, you may be able to find a debt relief solution that's perfect for you, too. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/credit-card-debt-relief.html Credit card debt relief can leave you vulnerable to fraud. Learn all you can about credit card debt relief today. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/consumer-debt-relief.html Consumer debt relief options have grown. With a consumer debt relief company on your side, you can save money each month. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0 http://www.debtreliefguy.com/debt-relief/christian-debt-relief.html Christian debt relief is a reliable option for personal and fiscal counseling. Unleash the power of Christian debt relief with the help of our partners. en-us Sat, 26 Jul 2008 15:00:00 EDT Sat, 26 Jul 2008 15:00:00 EDT Weblog Editor 2.0