Top Ten Reasons to File Bankruptcy

Written by SSLowrey


1. Eliminaterepparttar legal obligation to pay many of your debts.. This process of wipingrepparttar 143584 slate clean is called a discharge of debts. The goal of a discharge is to reduce debt to give you a fresh start. Whether it is through straight bankruptcy (Chapter 7 Bankruptcy) or through reorganization (Chapter 13 Bankruptcy), most or all of your debts can be cleared.

2. Stop foreclosure on you house and allow you to effectively make payments to catch up on missed payments of your mortgage. If your home is in foreclosure, Chapter 13 Bankruptcy will stoprepparttar 143585 foreclosure any time prior torepparttar 143586 sale. Bankruptcy does not eliminate mortgages on your property without payment. Rather, bankruptcy will structure a plan in order to repay your mortgage arrears (the amount that you are behind). <stop foreclosure>

3. Prevent your car or other property from being repossessed.

Even ifrepparttar 143587 creditor has repossessed your car, filing bankruptcy can effectively force them to return your car or other personal property (ifrepparttar 143588 bankruptcy is filed quickly enough). The past payments you have missed will be consolidated into your Chapter 13 Bankruptcy plan. After this you will no longer payrepparttar 143589 finance company, rather you will make monthly payments torepparttar 143590 trustee of your Chapter 13 Bankruptcy who will then payrepparttar 143591 finance company.

4. Reduce or even eliminate high medical bills.

Sometimes an unfortunate accident or major recently discovered illness can completely ruin a family. Many families have to make choices on allocation of bills. Often, bills that were once important become insignificant torepparttar 143592 large medical bills acquired by a loved one. Filing Chapter 7 bankruptcy can greatly reducerepparttar 143593 amount of medical bills. 5. Recent loss of employment.

Studies show that loss of work is one ofrepparttar 143594 most common reasons people file for bankruptcy. This is very easy to see. A family can get comfortable on two maybe even one salary. They can take on regular amount of debts, join clubs, and pay normal bills with relative ease. All of a sudden one or both spouses lose a job and a family must go from two salaries to one. Losing a job is closely tied to high medical bills. Losing a job means this family may be left withoutrepparttar 143595 protection of insurance that was once provided by their employer. Often times these two factors combined create an almost impossible mountain to climb withoutrepparttar 143596 help of bankruptcy.

Raising Funds For Your Nonprofit Using An Annual Direct Mail Program

Written by Berwyn J. Kemp


A good annual direct mail solicitation program can produce unrestrictive operating funds for your nonprofit organization year after year. And such an annual direct mail program, if done right, should produce more funding for your organization each year.

There are very few nonprofit organizations that couldn't benefit from an effective, and ongoing direct mail solicitation program. If you're currently using annual direct mail solicitations and would like to use it more effectively, or if you're not using this form of fundraising but would like to set up such a program. Then here are some steps to help you do this much more successfully:

1. Expand your mailing list or build one if you're just starting your direct mail program. To do this ask yourself: Who arerepparttar most likely people to support your organizations financially? If you are already using direct mailrepparttar 143582 answer to this questions should be obvious to you, in which case you need to find more of these kinds of people. Some ofrepparttar 143583 many ways to do this are using compiled lists, rented or leased lists of people who support similar causes and etc. If you aren't using direct mail now then start with users of your services and/or friends and family members of users of your services, then explore complied, and rented or leased lists next.

2. Prepare a powerful direct mail package to solicit your list, which will include an appeal letter, and response form, a reply envelop, and of course an outer envelop to mail your package in that hasrepparttar 143584 full legal name of your organization on it. Too in preparing your appeal letter by sure to make them emotional, interesting, and personal, and keeprepparttar 143585 focus of this letter on how those you serve will benefits fromrepparttar 143586 gift as well as howrepparttar 143587 donor will benefit also. And always ask for their gift.

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