6. Stop harassing behavior from creditors.

Some creditors do not always take right course of action when attempting to collect a debt. Often, creditors will persistently call home of a particular debtor with demeaning and abusive behavior. Not only is this unethical it can rise to level of unlawful. In essence, bankruptcy will put on hold demands of many creditors and stop harassing phone calls and other inappropriate behavior all together.

7. Restore or prevent your utilities from being shut off.

As you have probably seen many of these reasons overlap. Some lead to another. If your home is in risk of foreclosure then your utility bill may also be in risk of being terminated. Filing bankruptcy can prevent utility company from leaving you in dark.

8. Provide help for large amounts of student loan debt. <student loans>

While it is true that your student loans will not be eliminated like several other types of unsecured debt, bankruptcy can consolidate your student loan debt. This consolidation will allow a debtor to make monthly payments through Chapter 13 Bankruptcy that are within financial ability of debtor.

9. End wage garnishments.

Chapter 7 Bankruptcy will stop wage garnishment. Wage garnishment basically takes away your weekly earnings often times leaving you without necessities. Chapter 7 Bankruptcy allows you to purchase necessities for you and your family. Chapter 13 Bankruptcy will also help in this regard.

10. Challenge certain claims of fraudulent creditors.

Bankruptcy will allow you to challenge these claims from creditors who are trying to collect more money from you than you really owe. An attorney can provide support and backing you will need to step up to these creditors. Attorneys often even playing field between a big creditor and a single debtor. Filing bankruptcy with an attorney can stop fraudulent reporting by a creditor.

The Arts and Crafts style, prominent from 1890-1920, was one of first styles native to America. It originated in Southern California between World War I and II. Some of its features include large porches, exposed stucco or stones, low pitched roofs with large overhang, as well as tall narrow windows grouped together to permit plenty of sunlight. The interiors have open floor plans with built-in cabinets and furniture and natural fireplaces. Similar styles to Arts and Crafts home include Tudor, Spanish, Mission, Bungalow and Prairie.

Recognized by its flat roofs, metal casement windows and plain or absent interior molding, Modern style home is catch-all style for homes built since 1920s. This home design generally favors function over style. The Ranch home is probably most popular variation of Modern style. The Ranch originated in California in 1930s, and became popular nationwide in 1950s and '60s when it became a symbol of post-World War II American Dream. Common design elements for one-story home are its pitched-roof, wood or brick exterior, and built-in garage that shares same roofline with home. It also favored a patio in rear of home in lieu of a front porch.

Knowing style of home you like can be helpful when looking for a new home. The more information you can give your real estate professional, better they can serve your needs and get you in your dream home.

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