Archive | November, 2008

How will filing bankruptcy affect my ability to get health insurance?

bankruptcy
suprstrchic79 asked:


My financial situation is such that I may need to file bankruptcy. I am starting a new job and as it is a small company I may need to get health insurance on my own instead of through the company and the employer will reimburse me for a portion. I am wondering how filing Chapter 7 Bankruptcy will affect this, if at all. Any assistance would be VERY helpful. Thank you!

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After you file bankruptcy when can you rent another apartment or home?

bankruptcy
nikki asked:


When someone files bankruptcy how do they live? Like, how does someone rent again? Is there a time period after you file and it goes through?

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What is the best way to file bankruptcy if you do not have assets?

bankruptcy
freewainwright asked:


I have around $35k in debt. The debt is all personal debt and there are no co-signers nor assets in question. As for my personal assets, I don’t believe I really have any. My car is eight years old and I live in an apartment. I was considering filing bankruptcy before I begin a new job and get better pay (therefore, they do not see a bigger paycheck and feel I can pay back my loans).

So, the question is, what bankruptcy should I do if there are no assets which can be liquidated to pay back my debtors?
Funny how many people jump down someone’s neck when they talk about bankruptcy. I guess Enron, K-Mart and others are fine, but regular humans are not? Get a life, people…

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How long after bankruptcy can my credit be good enough to get an apartment or a loan for a home?

bankruptcy
honestjoe asked:


My wife and I make enough money to afford an apartment or a modest house. However, both of our credit records are poor. So we were told to file bankruptcy. We just need to know how long we will have to wait to get an apartment, since they ALL require credit reports.

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How does bankruptcy affect buying a house in the future?

bankruptcy
oremus_fratres asked:


I’m just asking for curiosity’s sake. My husband and I were disagreeing because I said that someone could buy a house a few years after declaring bankruptcy and he said that a person could essentially never buy a house again once they’ve declared bankruptcy, or at least not for 7 years. What is the correct answer?

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How long after a bankruptcy is discharged (finalized) does your credit report reflect that?

bankruptcy
ariel_okinawa asked:


In other words, my bankruptcy was discharged at the end of March, when will the credit report relect which accounts were thrown out in the bankruptcy?

Thanks!
DAS: I know that the items stay on the credit report, but they will have a note indicating that the were included in the bankruptcy so that any future creditors can see that the debt is not outstanding.

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Sales and Marketing — What’s the Difference?

The functions of Sales and Marketing often get blurred in a business with the same individual responsible for both.  If you picture the business cycle as passing the hot potato throughout the business, you’ll see that marketing hands the potato to sales who sends it onward to manufacturing.

While they work very closely together, each function requires very different roles, tasks and measurables. The talented sales person who is great at closing may be terrible at planning a year long budget and pulling together a branding campaign that the company will use for the next 5 years.

Marketing efforts transfer the hot potato to Sales.  The Sales department transfers it to the manufacturing, shipping or client services department,.  Each function answers different questions in the business cycle.

Marketing functions provide direction
Which industries, which markets in which geography and ultimately which customers to approach?  What problems do these customers have that our products could solve?  What is the product offering at entry level pricing, for high volume/capacity or top of the line, custom goods? Based on what the company can produce, how should the company present its image: quality, service or price?  What’s the best placement of the advertising and PR – online or print?

Sales functions involve action and interaction.

Chris Brown is a marketing expert who publishes Branding & Marketing at www.brandandmarket.com and has run a successful marketing agency for the past 10 years.  Her company provides the marketing resources you need to get the sales results you want.

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What exactly does bankruptcy charge off like traffic or court fines?

bankruptcy
MISSVIRGO79 asked:


I live in CA and owe almost $5,000 in traffic tickets and fines. My license was suspended and I REALLY need it back. If I file bankruptcy will it clear the fines off so I can get my license back?
I was told the only thing not removed was student loans. Is that correct?

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