Preventing Identity Theft

Written by Gary Gresham


Continued from page 1

Preventing identity theft means you never give out personal information unless you initiatedrepparttar contact or you're absolutely sure who you're dealing with.

Another good way of preventing identity theft is be especially careful about divulging your credit card number overrepparttar 111959 phone to telemarketers.

Oftenrepparttar 111960 only goal is to obtain your name, address and credit card number.

If you have to give your credit card number overrepparttar 111961 phone for a hotel or airline reservation, use a regular corded phone as opposed to a cordless or cell phone.

Make sure you report any lost or stolen credit cards immediately for preventing identity theft.

The bottom line is be careful about divulging any personal information about you.

If you use these tips you'll have a much better chance at preventing identity theft before it happens.

Copyright © 2005 Credit Repair Facts.com

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Gary Gresham is a mortgage loan officer and the webmaster for http://www.credit-repair-facts.com He offers you credit information, debt elimination programs and informative facts that gives you the knowledge to correct your own credit and credit report.


Chapter 13 bankruptcy basics

Written by Bankruptcy Home


Continued from page 1

In order to file Chapter 13repparttar debtor must be able to pay monthly living expenses and payrepparttar 111958 trustee to consolidaterepparttar 111959 debt. In order to make these paymentsrepparttar 111960 debtor must have a consistent source of income or at least reasonable prospects of future income. Just like in a Chapter 7 Bankruptcy,repparttar 111961 individual must live, reside, be domicile, or have a place of business inrepparttar 111962 United States. Additional,repparttar 111963 debtor must have a regular source of income andrepparttar 111964 amount of their debt may not exceed a certain amount.

What does it mean to have a regular source of income? According torepparttar 111965 Bankruptcy Code, "any individual whose income is sufficiently stable and regular to enable such individual to make payments under a plan under Chapter 13 Bankruptcy." is considered to have a regular source of income.

Althoughrepparttar 111966 limits of debt will not apply to most citizens, (the limits are extremely high), it is noteworthy to knowrepparttar 111967 figures. The amounts of debt are different every year. The amount is based on and subject torepparttar 111968 inflation adjustment provided inrepparttar 111969 Bankruptcy Code. Consulting an attorney isrepparttar 111970 best way to know if you are eligible for Chapter 13 bankruptcy.

If you meet all ofrepparttar 111971 requirements listed above and you are tired ofrepparttar 111972 daily harassment from creditors Chapter 13 may berepparttar 111973 answer.



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