The above benefits are just a few of benefits of Debt Consolidation versus Bankruptcy.

Another alternative is a Personal Loan or Debt Consolidation Loan. This is one large loan to pay off smaller loans or debts. With one large loan, you will normally have a lower percentage rate and a longer pay off period. The benefits include:

* The ability to pay off debts in full * No more harassing phone calls from creditors * Your credit will be saved from derogatory accounts and collections * Low percentage rate

However, in order to obtain a Personal Loan or Debt Consolidation Loan you will need satisfactory credit. Though there are alternative to filing bankruptcy; in some cases, bankruptcy is only option.

Before deciding whether to file bankruptcy or consolidate, consult a financial advisor. He or she should be able to give you advice after evaluating your situation and current credit standings.

================================================= Discover debt consolidation alternatives to Bankruptcy. Find out useful advice and information. Click ==> http://www.debtconsolidation-easy.com/

Sinking Ships - When a stock has dropped a lot you may think that, "it can’t go any lower," or that it is "a good bargain." Especially with penny stocks, you need to avoid this type of thinking because many sinking ships don’t ever rebound, and they can go lower, and they aren’t good bargains just because they cost less than before.

Commission Free - If you are interested in getting stock commission free you may think you are saving money, but it generally means that you are buying over counter stock directly from a promoter or company. Either way, they take their own invisible ‘commission’ from you, either by selling to you for an arbitrary amount which is unfairly high, or selling to you for asking price rather than bid price based on their own current valuations.

International Penny Stock - We’re not talking about living in U.S. and steering clear of Canadian stock, or vice versa. We are talking about penny stock issues from Africa, Australia, European, Russian, or South American penny stock markets. First of all, you won’t be too impressed with level of investor protection and exchange honesty in some of these regions, and you most certainly won’t be too impressed with broker fees you incur when trying to purchase internationally. Besides, if you can’t find good penny stock investments in North America, you won’t be able to find them anywhere else either.

Warrants and Rights - These are not technically stocks, but instead are derivative investments based on an underlying company's shares. However, they often appear like penny stocks because they sometimes get listed in stock pages, and often trade for pennies. It is unlikely that you will accidentally purchase derivatives, but make sure you know what you are trying to buy by understanding listing criteria of paper you are reading, or verifying your purchase with your broker.

To get free information about investing in penny stocks visit http://www.pennystocks.com They offer information on definition of penny stocks, getting started, benefits, risks and how to find a good penny stock.