US Economic Collapse Imminent

As we get closer to "it" happening, I want to once again remind you: DO NOT BE AFRAID.

A group of us decided quite some time ago that some really serious problems with this country could only be solved in one particular way and we undertook plans to solve those problems. Those plans are complete. All the pieces are in place.

As we get closer to the date upon which those problems will be solved, it is important to prepare you, the general public.

Rather than get into some long-winded manifesto, I'll state the facts simply:

1) This nation went to war in Iraq based upon deliberate lies by the President of the United States about non-existent weapons of mass destruction. over 655,000 innocent, unarmed Iraqi men, women and children died as a result. The President deserves to be punished for that.

2) When the lies about non-existent WMD came to light, the Congress refused to do anything to put a halt to the war. They deserve to be punished for that.

3) Barack Obama ran for President despite knowing he was not eligible because he is not a natural born citizen of the United States as required by the Constitution. When the issue came to light, he or his campaign placed a FORGED Hawaiian Certificate of Live Birth on the Internet to deceive the American people into allowing an ineligible person to be President. As such, his election is completely invalid and we see no reason to permit him to take office.

4) When honest, decent, hard-working citizens in over 20 states filed legal actions to challenge Obama's citizenship and eligibility for President, over 20 State Court Judges aided and abetted the usurpation of the Presidency by dismissing the cases without even looking into the issue. Those Judges deserve to be punished for that.

5) When litigants in the aforementioned cases appealed to the federal district courts and later Circuit Courts of Appeal, they were once again thwarted by Judges who aided and abetted the usurpationof the Presidency. Those federal Judge deserve to be punished.

5) When several litigants in the aforementioned lawsuits appealed to the US Supreme Court, the court repeatedly refused to even hear the cases. As the highest court in the land they should have stepped far more carefully. Instead, they too aided and abetted the usurpation of the Presidency. The Supreme Court Justices deserve to be severely punished.

6) When the economy fell apart, the Chairman of the federal reserve and the Secretary of the Treasury both sought hundreds of billions in "bailout" money to help avert complete financial collapse. Both men promised "transparency" and a full accounting of who got how much and what the public got as collateral in return. Here we are, weeks after the money was given, both the federal reserve and the Treasury REFUSE to divulge who got how much and what the taxpayer got as collateral. The Chairman of the federal reserve and the Secretary of the Treasury deserve to be punished for their repeated deceptions.

In summation, we presently suffer:
a) a lying, cheating murderously-war-waging existing President;
b) a Congress that refused to do its duty to stop an illegal and unjust war,
c) a Constitutionally ineliigble incoming president elect;
d) judges at the state, federal district, federal circuit and Supreme Court levels that are aiding and abetting the usurpation of the Presidency;
e) a treacherous lying, deceitful federal reserve chairman, and;
f) an overt lying, cheat as secretary of the Treasury.

By themselves, any one or even two of these problems would be merely an illness that the Republic could deal with. Suffering all of these problems at the same time amounts to Cancer. A cancer that is killing our Republic.

There are only two ways to deal with cancer: either you kill it or it kills you.

As a thinking person, it ought to be plain to you at this point, what solution we have in mind and why we're telling you repeatedly, in advance to be not afraid.

Those of you who are familiar with this blog know I choose my words very carefully. I say things like "..... deserves to be......, we should....., we may have to......, I wouldn't shed a tear if......" and so on. Today, I choose my words just as carefully when I say We are going to do what HAS to be done to confront and solve these problems.

When it happens, do not be afraid. This has needed to happen for a very long time to protect this Republic and the USA will be better off once it does happen.

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Can Bankruptcy Save My House?

The filing of bankruptcy activates the automatic stay which prevents all creditors from any action to gather their claim including foreclosure.

Can Bankruptcy Save My House? A creditor secured by the house can find relief from the stay to complete the foreclosure if there is danger that the secured claim will become larger than the value of the security during the bankruptcy. Since the creditor's lien is not removed by the bankruptcy, Chapter 7 provides temporary relief from foreclosure, but no lasting solution.

If you are among the record number of under pressure families who face increasing mortgage payments on a home where much of the value has already gone, you may be running out of options. Most banks are not eager to renegotiate rates or extend loans, opting instead to foreclose on properties.

Can Bankruptcy Save My House? If you are about to lose your home through foreclosure, filing bankruptcy can seem enticing. As soon as you file bankruptcy, your lender will suspend foreclosure proceedings temporarily. Your lender's attorneys will then present the court that your lender has a security interest in your home. The bankruptcy court will likely let your lender to continue foreclosure.

Although you may maintain your home for a few months more, the consequences of filing bankruptcy and home foreclosures can cause long term financial suffering. Legal proceedings such as bankruptcy and foreclosure remain on your credit history for ten years. Although it may be possible to get credit within that time, it will likely cost more in interest rates and additional charges. It is possible to qualify for a mortgage loan right after your bankruptcy has been discharged or your property seized, however, the terms are usually so adverse that few borrowers actually obtain one. The rising use of credit reporting and scoring by employers, insurance companies, and other entities can reduce your options if you have a foreclosure and/or bankruptcy on your credit record.

We know your house is important to you and your family. We also want you to create good economic decisions. Your bankruptcy lawyer will discuss the costs and benefits of home ownership with you. Your bankruptcy attorney will also help you decide whether it is the best decision for you and your family to try to stay your home. And if this is your choice, your bankruptcy attorney will help you craft the best plan to give you the best chance of winning the battle to save your home from foreclosure.

If losing your home is pending then you may be considering bankruptcy as a way to absolve all of your debts and start with a clean slate. However, there are many negative phases to filing for bankruptcy. Any credit cards that are included in your bankruptcy claim will no longer be applicable. Any cars that are in the claim will be retrieved. You will be dispossessed from your home if the mortgage is included. Your credit will be totally ruined and a bankruptcy will remain on your record for ten years that is three years longer than a foreclosure. Therefore bankruptcy should be your very last choice if it is at all avoidable. But you do not need an attorney to file bankruptcy. It could cost you a lot of money.

You can always hire a bankruptcy petition preparer to prepare your petition. They only charge less, they are authorized to do it and the end result is the same. To know more on how to file bankruptcy, visit http://www.onlinebkassist.com.

Steve Young is the author of The #1 Secret On How To File Bankruptcy. To get your free CD on How to File Bankruptcy Without an Attorney, go to http://www.onlinebkassist.com/

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Credit Score Recovery after Bankruptcy

How you manage your credit after the bankruptcy can be one of the most important factors in rebuilding a strong credit profile. Following are the steps one can obtain to recover their credit score after bankruptcy:

Introspection: One of the most important things to do is to look back, scrutinize and probe deep to figure out what led us to this situation.
It can be due to over spending or irresponsible handling of credit, lack of an emergency fund ECT
FICO score: Your FICO score is the numeric description of your financial liability, based on your credit history. These FICO scores are calculated while evaluating credit history, by the lender especially after bankruptcy.
Review credit report: Get hold of copies of your credit report--including your credit score--from all three major credit reporting agencies in the undeviating impact of your bankruptcy discharge. Reviewing your credit reports and noting your credit score from each of these agencies gives you a starting point for observing changes following your bankruptcy. The three major U.S. credit reporting agencies are Experian, Equifax and Trans Union.
Credit Repair Schemes to Avoid:responsibility is the most important building blocks of a strong credit profile. There really aren't any shortcuts. Some credit repair companies charge high fees for things you can do yourself, or encourage illegal activities, like providing false information when applying for credit. Beware of credit repair schemes and don't jeopardize your fresh start after bankruptcy.
Try not to carry balances: You don't want to build up debt again, and the higher the entitlement of balances to your total available credit boundary, the more negative the impact will be on your credit score. Some credit card issuers will let you to open accounts soon after you've completed your bankruptcy case. They know you've confronted your financial problems, and you won't be able to seek bankruptcy aid in the near future. After your bankruptcy case is over, you'll have to wait six to eight years before filing another Chapter 7 bankruptcy case. For Chapter 13 bankruptcy, it's a two to four-year wait. It goes without saying that if you've filed for Chapter 13 bankruptcy, fulfilling the terms of your repayment plan is a must.
Check your credit report and your FICO score once in a year.
Having no credit cards at all OR while having credit cards and managing them responsibly can lead to a high credit score.
Keep your balances low or, if possible, pay them off completely each month.
Don't open credit cards that you don't need just to increase your available credit or because you want it to look like you have a better mix of credit.
Shop for auto or mortgage loan rates for within a set period of time. FICO scores discriminate between a search for a single loan and a search for many new credit lines by the length of time over which investigation take place
Don't close credit cards to try to raise your score. Closed accounts show up on your credit report.
Repair your credit history by Opening new accounts responsibly and pay the bills on time.

There is absolutely no need to panic. The whole world is impermanent, so is our credit record. It stays on our credit report for a couple of years. That does not mean there is no a ray of hope. By all means no. As soon as the bankruptcy case is closed, with some planned measures we can slowly yet steadily build up our credit rating.

Rebecca Miller is the eminent writer of this article. Here in this article she has discussed about possible steps that one can obtain to manage credit in a proper way after the bankruptcy process.

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Chapter 13 Bankruptcy - What You Need to Know

Chapter 13 bankruptcy is completely different from chapter 7. When you file for chapter 13, you are making a plan to repay your debts instead of forgiving all of them. The creditors will get some money. However, the amount that you owe in debt will determine how much if any the creditors will receive. All secured debts are paid before unsecured debts. If you take the full three to five years to pay secured debt, chances are the unsecured debts will not receive any
payment, but will be discharged. The nice thing about chapter 13 is that you do not give up any property.

For instance, if you have a house payment that you have fallen behind on the payments by a couple of months and you owe some back property taxes, you can keep the house and pay the monthly payments plus the fees to the trustee every month to repay the outstanding balance. If you have any credit card debt that is not secured, these debts are last to be paid if any time remains. The unsecured creditors are paid a few cents on a dollar depending on the size of your secured debt. Filing a chapter 13 bankruptcy will help many people keep their homes and other assets that would otherwise be sold to pay any debts if you were to file a chapter 7.

Understanding a chapter 13 bankruptcy is important for all consumers. The first thing to understand is that you have to have enough income to pay your monthly debts and living expenses. After the expenses are calculated, the remaining income will apply to your debts that are filed under a chapter 13. For instance, if you have three hundred
dollars left over to pay your debts that money will be given to a trustee every month. The trustee then distributes the monies to the proper creditors.

The trustee is a person that is assigned to you for the term of the filing. Every month, you must give the trustee the amount agreed on or you will forfeit the bankruptcy agreement. Included in this money is the trustee fee and secured and unsecured debts. In some cases, the remaining lawyer fees are included in this as well. It is very important that you pay the monies on time every month. If you miss just one month, you will void the agreement and need to look for an alternative, which may be a chapter 7.

When you file a chapter 13 bankruptcy, you will also be giving up one half of your income tax refund every year. This will be for three or five years depending on your time allotment by the court. The income tax refund money is applied to the unsecured debt that may not receive any type of payment at all. You should not take on any new debt during the chapter 13 bankruptcy. This could cause you to fall behind on your bankruptcy payments and result in a termination of the court agreement.

For more information about Chapter 13 Bankruptcy and debt relief, go to www.debt-relief-advice.info

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Why Bankruptcy May Be The Worst Thing You Can Do!

Choosing a bankruptcy will negatively affect your credit score more than just about any other debt relief solution. Bankruptcy will ruin your credit score for many years. Most people understand, after a bankruptcy, they will not be able to get loans but few people realize that bankruptcy will impact their entire life and that of their family in many other negative ways.

On the positive side, bankruptcy is a federal court proceeding that either forgives you of your debts or allows you to pay off just a small fraction of your debt while erasing most of your debt. While bankruptcy will nearly ruin your credit rating, it will also allow you to escape overwhelming debt. This gives you a clean slate and a chance to rebuild a good credit rating in the ensuing years. A bankruptcy will no longer show up on your credit report after ten years.

If you are very seriously in debt and have no way of repaying your bills, a bankruptcy can help you by stopping collection agencies from contacting you. Also, if you have been very negligent in paying your debts, your credit rating is likely already very low so bankruptcy may make little difference in your credit score.

Bankruptcy is especially advantageous if you have large debts that you could never pay off no matter what you do.

On the negative side, going bankrupt is no longer an easy escape and it costs money up front. New federal law makes it tougher to declare bankruptcy. Creditors can challenge you. If the court finds you have an income or assets that could pay back some of your debts, you may still be forced to pay back some or all of your creditors instead of all out bankruptcy. You need counseling to decide your best legal options.

Make no mistake, going bankrupt is a very serious step. It is not just a 'black mark' on your credit report, it is a huge warning sign to lenders. After a bankruptcy, you will be unable to get credit cards, many other types of credit, and will even be told what you can and cannot buy. The whole process can also be emotionally draining. Bankruptcy should only be chosen as a last option if you really require your debts to be forgiven because you have no way of repaying them.

Choosing whether to go bankrupt requires some professional advice.

Bankruptcy advisers can help you decide whether to seek bankruptcy and how to proceed once you do decide to file. Then, a lawyer is hired to represent you in bankruptcy proceedings. This will likely cost you more than $1,000 up front depending on the lawyer you hire.

Filing for bankruptcy can be emotionally upsetting and even embarrassing for you and family members. On the day you are finally judged to be bankrupt, you may have to appear in Federal Court, along with many other people in the same situation. Your name may be called out in open court and your name may even appear in the Legal Notices of your local newspaper. It is not a pleasant experience.

From that moment on, every time you apply for credit, apply for a job that requires you to handle money, or even apply for some more exclusive types of apartment living, your credit score is checked. In fact, your credit score can be checked by anyone with a legitimate business need to do so. Your bankruptcy will be there for all to see.

Your credit score is based on how you have handled your past financial responsibilities and past payments and credit, and it provides potential creditors with a quick snapshot of your current financial situation and past repayment habits, including your recent bankruptcy. In other words, your credit history gives lenders a picture - quickly - of how responsible or irresponsible you are.

Some people who go bankrupt feel like a failure as a person. Remember, your history is represented by your FICO credit score but it's just a number. It is not a personal reflection of how "good" or "bad" a person you are.

It's true that lenders use credit scoring to make an educated guess as to whether you will repay your bills in the future and credit scoring is based on information gathered from studying other people in circumstances such as yours. The group you fit into determines your score. Thus, it's nothing personal. It's just facts and figures run through a computer program. So, go easy on yourself.

Let me finish with a word of caution. Many people who go bankrupt try to falsify loan applications because they are ashamed while others are just plain dishonest. Not only is this illegal, it is also useless to do so. Your credit score is easy to check. You will not fool lenders by lying and you may actually find yourself arrested as a result of your dishonesty.

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Can I Keep My Car After Bankruptcy?

Numerous individuals have attained a pinnacle when their assets get reclaimed back again by financing institutions and loaning institutions. There are various ways through which persons can discontinue reclamation with their possessions taken back by enhancing their skills. If persons want to put in hard work and recognize the complete process of repossession, they would be able to reclaim their motor vehicles and other possessions.

Losing a vehicle and having no means of transportation leaves one feeble and makes any required mortgages to be paid more difficult. All types of homeowners and others that are now on the brink of repossession must understand why it is important to have a well paying job so that they would be able to save up enough money for repayment of the borrowed loans. Those individuals that have taken out greater loans with greater finances should in fact consider selling any non-largely valued items so as to help out with the monetary paybacks. On selling any such item, any applicant is definitely sure to receive any funds to reclaim their mortgages soon. There might also be many others that would like to sell any item in regards to their properties, in such a situation banks would not mind or even hesitate carrying out a reclaim in the same respect on the listed cars. Such banks would usually sell the vehicle for a low price after the rate of depreciation of the vehicle has been taken into consideration and this money would be used to help them with their debts in return. On the other hand, if one wishes to purchase a vehicle after bankruptcy they surely can considering that they regain a positive credit balance.

Other individuals eager to struggle sincerely to stop reclamation of their vehicles through the use of hard work persist in doing everything that is required in being able to sustain their cars and other financial belongings. It is vital to be able to understand all the legal, bindings as well as to seek and obtain professional help. This is the first step to stop repossession of a car and to be able to provide a positive credit to reclaim their vehicle after bankruptcy.

Numerous individuals have attained a pinnacle when their assets get reclaimed back again by financing institutions and loaning institutions. There are various ways through which persons can discontinue reclamation with their possessions taken back by enhancing their skills. If persons want to put in hard work and recognize the complete process of repossession, they would be able to reclaim their motor vehicles and other possessions.

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Stop thinking about it... do it,repair your credit

If your credit is messed-up like mine use to be and you are thinking of doing something about it.It's time to stop just thinking and do something about.Do you know the longer you wait to start fixing your credit,the worst it get and it take longer to repair your credit

It is not my place or goal to make ethical decisions for anyone.But to provide you with the credit repair information you need to make an informed decision It's the decision of the person whose family can't buy a home, or a new car, or get credit cards-- and with numerous derogatory credit items often if they can get these things-- the interest rates are so high they can't make the payments...

We know that bad things happen to good people. Maybe you got injured or sick and couldn't work, or co-signed and the creditor didn't tell you that the payments weren't being made, or you were a victim of credit fraud, or maybe you just got in over your head and now your creditors and the bureaus are making you and your family pay for that mistake....not to mention the money you are paying because you need credit repair

Thanks to the many laws that have been enacted by our government for your benefit,, It is often easier and cheaper for a creditor or bureau to remove a derogatory item than it is to fight it. For them to successfully argue that a debt is yours requires them to find the "original" document and original signature. If the original document is in a warehouse in Alabama, it could get very costly and time consuming to find. And remember, if they can't find it and verify it within 30 days, it must be removed. Few creditors will spend hundreds or thousands of dollars in man hours to find a signature to prove you owe them money that they know they will never receive anyway.

Learn how to get good credit by improving your credit scores and removing bad credit. Fixing your bad credit is possible, simple, and legal! If you have debts that are affecting your credit scores and your ability to buy a home, a car, or get personal loans, etc... You really only have 3 choices...

{1} Pay Your Creditors
{2} File Bankruptcy
{3}Fix Your Credit

Stop thinking and do something!
The very worst thing you can do is to Do Nothing!

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