Personal Bankruptcy Laws For Dummies

Author: James P. Caher,John M. Caher

Publisher: John Wiley & Sons

ISBN: 1118052803

Category: Business & Economics

Page: 384

View: 9500

With tips on understanding -- and surviving -- the new bankruptcy laws If you're considering bankruptcy, you need straightforward answers and reliable advice. This handy guide covers it all -- so you can get your finances in line and your life back on track. This updated new edition covers everything you need to know about the new bankruptcy law and includes even better resources. Don't get desperate -- get out of debt instead! Discover how to * Weigh the consequences of bankruptcy * Manage your spending * Find professional help you can trust * Decide on the right type of bankruptcy * Pass the means test * Keep more of your stuff
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Personal Bankruptcy For Dummies

Author: James P. Caher,John M. Caher

Publisher: For Dummies

ISBN: 9780764554988

Category: Business & Economics

Page: 384

View: 469

The number of new personal bankruptcies filed each year continue to increase. And there is no relief in sight. Bankruptcy is never a painless or easy decision, but with a little know-how, you can get through this process with a minimum of headache, heartache, and indigestion. With a clear focus towards the future, you can then begin to get your finances—and your life—back in order. If you’re considering bankruptcy, are currently in the process of filing for bankruptcy, or on the brink of bankruptcy and looking for a way to get through debt, Personal Bankruptcy For Dummies can help you make the best decisions about your financial future. Personal Bankruptcy For Dummies is a nuts-and-bolts toolbox, which covers both Chap7 and Chapter 13 bankruptcy. Written by two seasoned experts on bankruptcy law, this easy-to-follow guide walks you through the bankruptcy process and explains how to rebuild your credit after filing for bankruptcy. Straightforward answers and re liable advice can help you sort out all of your possibilities, with a clear understanding of what you have to gain and what’s to lose. This carefully written guidebook will show you how to: Consider alternatives to bankruptcy Decide which type of bankruptcy is right for you Prevent further financial damage before filing for bankruptcy Defend yourself from bill collectors and the IRS Save your home and other important assets Wipe out credit card debt Use bankruptcy to deal with tax debts Repair your credit and stay out of financial trouble Filled with expert tips and tactics for navigating the world of bankruptcy, Personal Bankruptcy For Dummies gives you the ammunition and information you need to intelligently and confidently choose your own best path and get back on your feet again.
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How to File for Chapter 7 Bankruptcy

Author: Stephen Elias,Albin Renauer

Publisher: Nolo

ISBN: 1413324339

Category: Law

Page: 464

View: 550

If you’re overwhelmed by debt, the bankruptcy system can help. How to File for Chapter 7 Bankruptcy provides the clear information and step-by-step instructions you’ll need to get through the entire process without an attorney. The book will help you determine whether you qualify for relief and whether filing for Chapter 7 bankruptcy will help you solve your debt issues. You’ll also learn how to: stop wage garnishments and lawsuits wipe out as much debt as possible deal with debts you’ve secured with collateral keep as much property as possible, and rebuild credit after bankruptcy The 20th edition is revised to include instructions that will help you complete the new user-friendly bankruptcy forms, changes to state exemption laws (which determine what property bankruptcy filers can keep), and important legal updates. Please note: This book does not cover business bankruptcies, farm reorganizations, or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's Chapter 13 Bankruptcy.
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Law For Dummies

Author: John Ventura

Publisher: John Wiley & Sons

ISBN: 1118054083

Category: Law

Page: 384

View: 9572

Get answers to your legal questions — in plain English! Find out how to protect your family, your money, your job, and your rights If you're like most people, you probably don't know much about your legal rights and responsibilities — until you run smack-dab into a messy legal problem. Now revised and updated, this friendly guide helps you get a handle on a wide range of everyday legal issues, decipher legal mumbo-jumbo — and come out on top. Discover how to: Protect your child support rights Arm yourself against identity theft Clean up your credit and improve your credit score Hire the right attorney for your needs Draw up wills and living wills
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Managing Debt For Dummies

Author: John Ventura,Mary Reed

Publisher: John Wiley & Sons

ISBN: 1118068157

Category: Business & Economics

Page: 312

View: 9384

If you’re trying to kick the “Buy Now/Pay Later” habit and get your spiraling debt under control, you need Managing Debt For Dummies now! This practical, commonsense guide provides straightforward strategies for coping with every kind of secured and unsecured debt, including, personal loans, car loans, mortgages, home equity loans, lines of credit, credit cards, finance company loans, and student loans. You’ll find out how easy it is to: Distinguish between good and bad debt Go on a “debt diet” to get back into financial shape Start a filing system to track debt and protect life after debt Adopt a smart spending regimen Increase your income Consolidate your debt Decide which bills to pay when you can’t pay them all Use credit cards responsibly You can still live well while slashing spending on groceries, clothing, and entertainment. Find out how in Managing Debt for Dummies.
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Loan Modification For Dummies

Author: Ralph R. Roberts,Joseph Kraynak,Lois Maljak

Publisher: John Wiley & Sons

ISBN: 0470501995

Category: Business & Economics

Page: 288

View: 3685

The crucial information you need to secure a reliable loan modification and save your home Behind on your mortgage payments? Worried about losing your home? Don't panic. Loan Modification For Dummies gives you the reliable, authoritative, easy-to-understand guidance you need to apply for and secure a loan modification that lowers your monthly house payment and keeps you in your home. This practical, plain-English guide leads you step by step through the loan modification process, from contacting your lender to applying for a loan modification, evaluating the lender's initial offer, and negotiating a modification that lowers your monthly payment while helping you catch up on any past-due amounts. You'll learn how to communicate with your bank or loan servicer, recognize and avoid loan-modification scams, and find a knowledgeable loan modification specialist, if you choose not to do it yourself. Advice on determining whether you're likely to qualify for your lender's loan modification program Guidance on preparing and submitting a loan modification application that improves your chances of success Helps you figure out a monthly payment you really can afford Tips on modifying your loan even when you owe more than your home's current market value Negotiation advice for securing the best possible terms and lowest monthly payment Resources for contacting your lender, obtaining free or affordable third-party assistance, and getting government agencies on your side Read Loan Modification For Dummies and start saving your home today.
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Credit Repair Kit For Dummies

Author: Steve Bucci

Publisher: John Wiley & Sons

ISBN: 1118821572

Category: Business & Economics

Page: 408

View: 1639

Manage and repair your credit Credit card debt is the third largest source of household indebtedness. Credit Repair Kit For Dummies gives you the tools you need to repair your credit. This new edition covers: major changes with the Consumer Financial Protection Bureau's (CFPB) inquiry into overdraft practices and their effect on consumers; dealing with the effect of tightened credit markets on those with good, marginal, or bad credit; best ways to recover from mortgage related score hits or minimize damage after walking away from a home; updated Vantage Score information; updated coverage on reporting programs like FICO Score watch, etc.; what makes a good FICO score today; a new section on significant others (boyfriend/girlfriend/spouse) and credit/debt sharing; Debt Relief Act in a mortgage meltdown situation; the latest tips and advice on dealing with identity theft and annoying collection calls; and more. Online you'll find sample credit reports, forms, templates, and other helpful tools to help whip your credit into shape. Updated credit score examples with new ranges New information about IRS exceptions to the Mortgage Forgiveness Advice and tips about adding information to a credit report, and beefing-up thin credit Useful, downloadable, forms and tools on Dummies.com If you have mediocre credit and want or need to better manage it in order to get a job, reduce insurance costs, qualify for banking products, and more, Credit Repair Kit For Dummies has it covered.
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The New Bankruptcy

Will It Work for You?

Author: Stephen Elias,Leon Bayer

Publisher: Nolo

ISBN: 1413324312

Category: Law

Page: 408

View: 3772

Choose the best bankruptcy option The New Bankruptcy provides clear-cut information, answers to common questions, worksheets, and strategies to help you figure out whether bankruptcy is the right solution to your debt problem. Find out: the main differences between Chapter 7 and Chapter 13 bankruptcy whether you qualify for Chapter 7 bankruptcy (the means test) how the Chapter 13 repayment plan works which type of bankruptcy (7 or 13) is better in various situations which debts are wiped out what happens to your property, including your home, car, and retirement accounts, and other ways to handle debt problems. The book also outlines the bankruptcy process and includes completed sample bankruptcy forms.
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Divorce For Dummies

Author: Elizabeth Walsh,Thelma Fisher,Hilary Woodward,John Ventura,Mary Reed

Publisher: John Wiley & Sons

ISBN: 1119997151

Category: Family & Relationships

Page: 432

View: 6857

There's no such thing as an easy divorce. On top of the emotional turmoil, there are also numerous other concerns – from organising finances and splitting property, to breaking the news to children, and picking the best lawyer. This comprehensive guide shows that, with a clear-head and straight-talking advice, divorce can be swifter and easier than expected, letting you make a clean break and move on with confidence. Divorce For Dummies includes the most up-to-date information on: What to Do First When Things Start to Go Wrong Separation: A Healthy Breather or a Prelude to Divorce? Helping Your Children Get Through Your Divorce Pre-marital Agreements Same-sex and DIY divorces About the author Elizabeth Walsh is a legal expert and the Editor of Family Law, recently voted ‘Legal Journal of the Year’. Thelma Fisher is a former chair of the UK College of Family Mediators and has been involved in mediation for over twenty years.
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Personal Finance Workbook For Dummies

Author: Sheryl Garrett

Publisher: John Wiley & Sons

ISBN: 1118106253

Category: Business & Economics

Page: 312

View: 5782

"Do the terms personal finance or money management dredge up feelings of confusion or fear? If so, you're not alone. This workbook helps you take charge of your personal finances and improve your financial situation. Crammed with the tools and strategies you need to make smarter decisions about your finances, it empowers you to save money, simplify your life, and achieve your most important financial goals." --back cover.
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How to Disappear

Erase Your Digital Footprint, Leave False Trails, and Vanish without a Trace

Author: Frank Ahearn,Eileen Horan

Publisher: Rowman & Littlefield

ISBN: 0762766735

Category: Reference

Page: 208

View: 2014

How to Disappear is the authoritative and comprehensive guide for people who seek to protect their privacy as well as for anyone who’s ever entertained the fantasy of disappearing—whether actually dropping out of sight or by eliminating the traceable evidence of their existence. Written by the world’s leading experts on finding people and helping people avoid being found, How to Disappear covers everything from tools for disappearing to discovering and eliminating the nearly invisible tracks and clues we tend to leave wherever we go. Learn the three keys to disappearing, all about your electronic footprints, the dangers and opportunities of social networking sites, and how to disappear from a stalker. Frank Ahearn and Eileen Horan provide field-tested methods for maintaining privacy, as well as tactics and strategies for protecting personal information and preventing identity theft. They explain and illustrate key tactics such as misinformation (destroying all the data known about you); disinformation (creating fake trails); and, finally, reformation—the act of getting you from point A to point B without leaving clues. Ahearn illustrates every step with real-life stories of his fascinating career, from undercover work to nab thieving department store employees to a stint as a private investigator; and, later, as a career “skip tracer” who finds people who don’t want to be found. In 1997, when news broke of President Bill Clinton’s dalliance with a White House intern, Ahearn was hired to find her. When Oscar statuettes were stolen in Beverly Hills, Ahearn pinpointed a principal in the caper to help solve the case. When Russell Crowe threw a telephone at a hotel clerk in 2005, Ahearn located the victim and hid him from the media. An indispensable resource not just for those determined to become utterly anonymous, but also for just about anyone in the brave new world of on-line information, How to Disappear sums up Ahearn’s dual philosophy: Don’t break the law, but know how to protect yourself.
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Managing Your Money All-In-One For Dummies

Author: Consumer Dummies

Publisher: John Wiley & Sons

ISBN: 9780470481486

Category: Business & Economics

Page: 696

View: 3835

Want to take control of your finances once and for all? Managing Your Money All-in-One For Dummies combines expert money management with personal finance tips. From credit cards and insurance to taxes, investing, retirement, and more, seven mini-books show you how to improve your relationship with money — no matter your age or stage of life. This easy-to-understand guide shows you how to assess your financial situation, calculate debt, prepare a budget, trim spending, boost your income, and improve your credit score. You’ll find ways to run a money-smart household, reduce waste, and cut medical and transportation expenses as you tackle your debt head-on and develop good saving habits. You’ll even get help choosing the right mortgage and avoiding foreclosure, saving for college or retirement, and determining your home-, car-, and life insurance needs. Discover how to: Take charge of your finances Manage home and personal finances Lower your taxes and avoid tax audits Plan a budget and scale back on expenses Deal with debt and negotiate with creditors Save and invest safely for college or retirement Protect your money and assets from fraud and identity theft Ensure a comfortable retirement Plan your estate and safeguard a will or trust Managing Your Money All-in-One For Dummies brings you seven great books for the price of one. Can you think of a better way to start managing your money wisely?
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Curious Case of Kiryas Joel

The Rise of a Village Theocracy and the Battle to Defend the Separation of Church and State

Author: Louis Grumet,John Caher,Judith Kaye

Publisher: Chicago Review Press

ISBN: 1613735030

Category: Law

Page: 304

View: 4820

Twenty years ago, on the last day of session, the New York State Legislature created a publicly funded school district to cater to the interests of a religious sect called Kiryas Joel, an extremely insular group of Hasidic Jews. The sect had bought land in upstate New York, populated it solely with members of its faction, and created a village that exerted extraordinary political pressure over both political parties in the Legislature. Marking the first time in American history that a governmental unit was established for a religious group, the Legislature's action prompted years of litigation that eventually went to the Supreme Court. The 1994 case, The Board of Education of the Village of Kiryas Joel v. Grumet, stands as the most important legal precedent in the fight to uphold the separation of church and state. In The Curious Case of Kiryas Joel, plaintiff Louis Grumet opens a window onto the Satmar Hasidic community and details the inside story of his fight for the First Amendment. This story—a blend of politics, religion, cultural clashes, and constitutional tension—is an object lesson in the ongoing debate over freedom of vs. freedom from religion.
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Law for Small Business For Dummies - UK

Author: Clive Rich

Publisher: John Wiley & Sons

ISBN: 1118970454

Category: Business & Economics

Page: 432

View: 2899

Your own in-house legal advisor—at a fraction of the cost Written in plain-English for business people without any legal training, Law For Small Business For Dummies covers everything you need to be aware of regarding the law when you're starting and running your own business. Cutting through the jargon that can make even the pros scratch their heads, this book quickly gets you up-to-speed on the key areas of business law, including contracts, websites, intellectual property, data protection and partnership agreements. Plus, you'll find out how small business law applies to advertising and marketing, confidentiality agreements, the sale and supply of goods (including e-commerce), negligence and product liability. There were 526,000 new businesses registered in the UK in 2013—and, at some point, all of them will be faced with legal risks that could make the difference between success and failure. One claim could wipe out a fledgling business' profits, and hit even big businesses harder than they could ever imagine. If you're the owner of a new business and need to get a handle on the ins and outs of small business law—and don't have the budget to employ an in-house legal advisor—this trusted, approachable guide is your answer. Covers the laws surrounding the most common risks small businesses face Addresses how to deal with legal issues before a potentially costly dispute arises Provides access to handy sample contract templates on Dummies.com Serves as your own in-house legal advisor—at a fraction of the cost If you're an existing business owner or an aspiring entrepreneur thinking about starting your own business, Law For Small Business For Dummies gives you answers to questions you didn't even know to ask!
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The New Bankruptcy

Author: Stephen Elias Attorney

Publisher: Nolo

ISBN: 1413315003

Category: Business & Economics

Page: 416

View: 9580

Considering bankruptcy? Get the facts and find out how bankruptcy could work for you. Bankruptcy laws have changed, and figuring out how to use them effectively is harder than ever. For plain-English guidance you can trust, turn to The New Bankruptcy. Get the clear-cut answers, information and strategies you need to figure out whether bankruptcy is the right solution for your debt problems. Find out: if you qualify for Chapter 7 bankruptcy how Chapter 13 repayment plans work which debts are wiped out how bankruptcy affects homeowners if you can keep cars and other property how bankruptcy affects credit alternative ways to handle debt problems The 4th edition is completely updated to reflect the latest rulings on the new bankruptcy laws, additional information on foreclosures and an all-new appendix containing essential sample forms. It also provides worksheets to help you determine whether you can file for bankruptcy, and includes fully up-to-date exemption charts, helpful checklists and easy-to-use legal charts for all 50 states.
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Handbook of Corporate Finance

Empirical Corporate Finance

Author: B. Espen Eckbo

Publisher: Elsevier

ISBN: 9780080488912

Category: Business & Economics

Page: 558

View: 7018

Judging by the sheer number of papers reviewed in this Handbook, the empirical analysis of firms’ financing and investment decisions—empirical corporate finance—has become a dominant field in financial economics. The growing interest in everything “corporate is fueled by a healthy combination of fundamental theoretical developments and recent widespread access to large transactional data bases. A less scientific—but nevertheless important—source of inspiration is a growing awareness of the important social implications of corporate behavior and governance. This Handbook takes stock of the main empirical findings to date across an unprecedented spectrum of corporate finance issues, ranging from econometric methodology, to raising capital and capital structure choice, and to managerial incentives and corporate investment behavior. The surveys are written by leading empirical researchers that remain active in their respective areas of interest. With few exceptions, the writing style makes the chapters accessible to industry practitioners. For doctoral students and seasoned academics, the surveys offer dense roadmaps into the empirical research landscape and provide suggestions for future work. *The Handbooks in Finance series offers a broad group of outstanding volumes in various areas of finance *Each individual volume in the series should present an accurate self-contained survey of a sub-field of finance *The series is international in scope with contributions from field leaders the world over
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Foreclosure Investing For Dummies

Author: Ralph R. Roberts,Joseph Kraynak

Publisher: John Wiley & Sons

ISBN: 1118051327

Category: Business & Economics

Page: 384

View: 5094

With the housing bubble of the past few years bursting and interest rates on the rise, there has been an upsurge in the number of foreclosures across the country, creating many opportunities for profit. But investing in real estate foreclosure[s?] can be a tough job, especially when a negative stigma is attached. How do you make money while preserving your morals and trust? Foreclosure Investing For Dummies shows you how to invest in foreclosures ethically without being accused of stealing homes from “little old ladies.” This step-by-step guide helps you thoroughly research property, find the best opportunities, purchase foreclosures, and avoid misleading distressed homeowners. This book doesn’t promise quick profits through minimal work, but it will provide you with invaluable information to become a successful investor, including: Identifying opportunities and understanding risks Obtaining information, tools, support, and resources Locating properties prior to foreclosure Assisting homeowners through the foreclosure process Acquiring properties below market value prior to the auction Buying property at an auction, from lending institutions, and government agencies Repairing, renovating, and selling or leasing property This book provides tips and strategies for refinancing your property and maximizing your profits. It also gives you advice on how to assist homeowners, have them work with you, and common mistakes you should avoid. It’s time to go out and make the most of foreclosure investing, and with Foreclosure Investing For Dummies by your side, your hard work and devotion will bring tons of success!
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Paralegal Career For Dummies

Author: Scott A. Hatch,Lisa Zimmer Hatch

Publisher: John Wiley & Sons

ISBN: 9781118052976

Category: Law

Page: 384

View: 6873

Apply important legal concepts and skills you need to succeed Get educated, land a job, and start making money now! Want a new career as a paralegal but don't know where to start? Relax! Paralegal Career For Dummies is the practical, hands-on guide to all the basics -- from getting certified to landing a job and getting ahead. Inside, you'll find all the tools you need to succeed, including a CD packed with sample memos, forms, letters, and more! Discover how to * Secure your ideal paralegal position * Pick the right area of the law for you * Prepare documents for litigation * Conduct legal research * Manage a typical law office Sample resumes, letters, forms, legal documents, and links to online legal resources. Please see the CD-ROM appendix for details and complete system requirements.
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