The Complete Idiot's Guide to Surviving Bankruptcy by Carol Costa

By Carol Costa

This e-book will contain every little thing readers want to know for you to ensure even if financial disaster is the single method out, if it is-how to determine among bankruptcy 7 and bankruptcy thirteen, how you can pass approximately submitting, and the way to revive their credits as soon as they have filed. moreover the publication will hide all questions so much first-time filers could by no means imagine to invite, yet want to know the solutions to, resembling: What bills are non-dischargable? What resources are exempt from liquidation? What types of estate could be legally transferred? What rights do you might have in facing collectors?

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All lenders try to talk you into taking their insurance and adding the premiums into your loan payments. This can be costly, and 31 Part 1 ➤ The Credit Cards Are Stacked Against You chances are you already have life insurance and disability insurance through your employer or your personal policies. You don’t have to take this additional insurance, and refusing it should not affect your eligibility for the loan. There is usually a place on the loan application that states you have declined the insurance, and that is where you should put your signature or initials.

NSF Checks Only students or people with a very low income may be exempt from taxes. Do not claim this status unless it is true. Underpayment of taxes may result in penalties and interest. Keep Your Eye on the Ball All the suggestions in this chapter are designed to help you monitor and control your finances. Dealing with creditors and finding ways to reduce your payouts, increase your income, and increase your cash flow may all be necessary to improve your financial picture. However, you may be in so far over your head that these actions are as effective as throwing a bucket of water on a raging forest fire.

If the person is claiming no allowances, withholding for taxes goes to $56 per week instead of $23, a difference of $33 per week or $132 per month. That equals more than $1,700 in a year. You can see that these taxes add up, and the more you earn, the higher the tax for each unclaimed withholding allowance. Adjusting the number of withholding allowances on your W-4 is a simple procedure. Your employer has extra copies of this form, and all you have to do is fill out a new one to replace the old one.

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