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    Chapter 7 Bankruptcy laws allow the bankruptcy filer to reaffirm certain secured debt. Pros of a Secured Loan Lower interest rate compared to unsecured loans in most cases Because it is backed by your asset, the lender will usually be able to offer a lower interest rate on a secured loan. Chapter 7 bankruptcy is the easiest form of bankruptcy for an individual to declare. Your creditors must accept whatever payment plan the court approves. To determine if the bankruptcy trustee is likely to sell your home, go through this two-step process:Step One: Determine the Amount of Your Homestead Exemption. buy viagra A certificate of completion of this class must be filed with the Bankruptcy Court. However, in order to compare your «real» interest costs with other loans, you must take into account the current and expected inflation rate and the cash cost of interest as an effect of being able to deduct it from your tax return. Even if you don’t pass this first requirement, there is a more extensive test you can take which will factor in other financial considerations. If your income is at or below Maine’s »median income,» this new provision does not apply to you. Step Two: Is There Enough Unprotected Equity In Your Home to Trigger a Sale? buy viagra Every individual who files Chapter 7 or 13 Bankruptcy is required take a credit counseling briefing within 180 days prior to the filing of his or her bankruptcy. Low flexibility in some cases There can be no other option than an extended repayment period, which can lead to higher total interest costs. The means test is determined by comparing your income to the median income of a family your size in your geographic area. The deposit will be returned to you, with interest, at the end of 12 months if you have been current on your bills during those 12 months. For details on how the homestead exemptions work, determining which homestead exemption applies to you, and getting the homestead exemption amounts in your state, see our Homestead Exemption area. buy viagra In the event a Chapter 7 Bankruptcy involves any contested matters, or delinquent taxes, or past due child support or spousal maintenance, there will be additional fees charged, because there will be additional services provided by our firm. For example, with a mortgage refinance loan there will be significant fees and you may also have to pay «points» to secure better rates. In addition, this allows for a temporary stop to the foreclosure of your home, or the repossession of your car. If your income is over this amount, a creditor can choose to challenge your filing and ask the court to dismiss your case. Which exemption you can use depends on where and when you bought the home, whether the state where you are filing allows use of the federal exemptions, and whether you have moved within the last few years. buy viagra All non-exempt assets that are not reaffirmed are turned over to the bankruptcy trustee. Cons of a Secured Loan Your property is at risk If you default on the loan, you can loose the asset you have placed as collateral, which in most cases means your home. Filing for bankruptcy will also put an immediate stop to creditor harassment and wage garnishment. If you are in this higher income bracket, you are advised again to get a lawyer if you can. Next you must determine if you have enough nonexempt equity equity not protected by the homestead exemption in your home to trigger a sale in bankruptcy. buy viagra So, in essence, a Chapter 7 Bankruptcy in Arizona is a legal proceeding where a person is released, or discharged, from paying his or her debts, and the filer keeps those assets that are exempt from the legal process, and continues to pay on secured items the filer wishes to keep. Convenience Managing just one account and making a single payment each month as with all debt consolidation options will make for easier and less stressful money management. Normally you are able to discharge all of your unsecured debt, including credit card debt, medical bills and pay day loans. If you have regular income, through employment, retirement, disability, or child support, and believe you could pay off some or all of your debts over time normally in five years you can consider filing a under Chapter 13 of the law. There is a federal homestead exemption which can be used only in some states , and most states have a homestead exemption amount usually based on dollar value, but some states limit the amount of acres you can protect from creditors. buy viagra What this means is that you can eliminate all revolving credit card debt and keep your home and car by agreeing to continue to repay those loans. A perfect credit score is not necessary A less than perfect credit score could be sufficient to qualify for a secured loan, since the lender is guaranteed by your asset acting as collateral in case of default. If you own more property than you can protect in Chapter 7, you can usually file a Chapter 13 to protect the excess assets. You would file a budget and plan under which you agree to pay some portion of your future income to the trustee to pay part of your debts. To figure out the amount of your homestead exemption, you must determine which set of exemptions apply to you. buy viagra In most cases, this would include debts such as a mortgage or a loan for an automobile. Interest can be tax deductible Option of a fixed rate Option of extended repayment period A longer repayment period, in addition to a low interest rate, will make your monthly payments even more affordable. In most cases you can protect all of your property with exemptions allowed under state law. If the court accepts it, you have the protection of the court while you complete your plan. The laws of most states allow homeowners to protect a certain amount of the equity in their home from creditors — this is called the homestead exemption.</br>buy viagra buy viagra buy viagra

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