What is the difference between chapter 13 and 7 bankruptcies?

Chapter 13 you have to come up with a repayment plan and has to be approved buy the court. You will have to pay a percentage of what you owe. Chapter 13 takes up to 5 years to pay off and stays on your credit report for 7 years.

Chapter 7 not like chapter 13 you don't have to go to court. In 7 you have to go to your 341 meeting or meet the trustee of the court. Also in chapter 7 case like the other user said its a no asset case. Most of all debt can be discharged in 7 where in 13 only 3/4 of the debt is discharged.

Chapter 11 is for Business bankruptcy. chapter 11 is for debt over 600.000 Sean look it up. Some of the company's that filed chapter 11 Chrysler,GM,Dunkin Donuts and Pilgrim pride.

There are lots of ways to file bankruptcy by yourself. But, one problem you will surely find is that there are forms for every sort of situation, and how can you tell which is the one you need? For just that purpose, there are online bankruptcy forms processing services. An important first thing to know, before you start your search, is that there are free forms available. You never have to pay for a form! If you find a site that wants to charge you for their forms, don’t use it. Why pay for something you can get free?

An important thing when looking for the right form is location. Make sure it is for the state and whatever locality that you are in. State laws vary widely, so it is especially important to find the form for the state you live in. It is worthless if it’s for the wrong state! Also, make sure that the form is official. Look for government seals, or compare it with the others, and it will be easy to see whether it is or not. Filing with an illegitimate form won’t do you much good!

Now, on the website where you find the form you need, look for information on filling it out. Most of these sites will provide you with information regarding what information you will need to fill it out. There might be other relevant information as well. Fill out the form slowly and thoroughly, and no matter how fine the print is, read it all. Follow instructions carefully and make sure that you’re doing it the right way. For example, make sure you are listing the right assets.

When all else fails, go to a lawyer. If the wording is vague, of if there is something you are not sure you clearly understand, talk to a professional who can answer your questions satisfactorily. You can definitely get the free form you need from an attorney, and they will help you fill them out. If you have specific questions about what assets to list and what to leave out, they can tell you exactly what you need. There are also two types: chapter 7 and chapter 13, and you must know which one is best for you. These are important things to understand clearly.

About The Author

Donald Harris is a publisher of Bankruptcy Legal Information. You can go to http://www.1st-bankruptcy-lawyer.com for more.

Ok so 3 more posts today that I’ve dug up – I’m an information JUNKIE on this stuff lately. Give em a browse and let me know what ya reckon. They’re just from a few different sites I’ve been surfing lately that are generally good for information like this…

Do I have to file Chapter 13 – Lawyers.com Community

Do I have to file chapter 13? I can barely live on my unemployment let alone make the monthly payments to repay a portion of my debt. I desperately need to find someone that can help me file chapter 7 (I'm being told I have to file …

Which Of The Bankruptcy Forms Opt For: Chapter 7 Or Chapter 13

Many people wishing to file for bankruptcy remain uncertain on which type of bankruptcy they should file for. Find out which of the two common bankruptcy formsâ “chapter 7 or chapter 13 â “best suit your situation.

What You Need To Know About Chapter 13 Bankruptcy | Reed’s …

Chapter 13 bankruptcy is a powerful tool for repaying an agreed upon amount of your debt under a plan that fits your budget. Here's what you need to know.

Hope you enjoy the read as much as I did and please if you have something to say, use the comments form below to let everyone know your thoughts.

Have a great day!

Types Of Debts Individuals Can Discharge After File For Bankruptcy

Experienced bankruptcy lawyer consult with dozens people every month about their financial difficulties and attempt to summarize how filing for bankruptcy can greatly assist them in getting the debt relief that they so desperately need.

Whether you file a Chapter 7 or a Chapter 13 bankruptcy petition in Washington State, you should be able to discharge and wipe out most, if not all, of your unsecured debts. Unsecured debts are basically those debts to which there is no underlying collateral attached.

For many people, these are the debts that are just absolutely crushing them every month. There are actual many, many different type of unsecured debts that can be 100% discharged in your bankruptcy. But some of the most common types of unsecured debts include credit cards, medical bills, pay day loans, and most judgments and garnishments.

Other types of unsecured debts that our bankruptcy lawyers often identify and are able to completely wipe out include income taxes over 3 years old (if your tax returns were also filed at least three years ago), personal loans and notes, unsecured guarantees, repossession debts, eviction and/or broken lease debts, and past and overdue utility bills.

You will also be able to fully discharge your home mortgages and car loans so long as you will be surrendering these properties. If you are looking for a bankruptcy attorney, and have questions about eligibility to file and what bankruptcy can do for you and your family, you need to contact experienced bankruptcy offices to learn more about personal bankruptcy services.

By: Isabel Searie

Article Directory: http://www.articledashboard.com

Choosing the right tacoma bankruptcy lawyer may be one of the most important decisions that you will ever make. We are your experts in all chapter7, 13 bankruptcy and www.tacomabankruptcyattorney.com/home-foreclosure.html“>tac
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oma home foreclosure matters.

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File For Bankruptcy Online

Do you want to take advantage of the internet while filing for your bankruptcy? Then you can file for bankruptcy online which is faster, more convenient and gives you more online site to choose from. The advantage of filing online than filing the physical, traditional way is that if ever there was any mistake or errors in the forms, the site can notify you right away through your email. If that happens to a physical form or if it gets lost, too, this can take a long time and you have to go back and forth just to check on the process of your physical forms.

But looking at all the site and PDF forms can be a hard thing to look at first glance. If this is your first time to file bankruptcy, I suggest you do a little reading about bankruptcy, its process, laws and the types of which you can apply for. Bankruptcy is a legal action that you can take to stop your creditors from harassing you or in other words eliminate your debts. There are two types of bankruptcy that you can either apply for. The first type of bankruptcy you can apply for is chapter 7, which is the most popular type of bankruptcy because of how it resolves your debts. This type of bankruptcy will liquidate all your properties, except for properties that you can keep known as exempt properties. These are listed in the bankruptcy law. The liquidated properties will generate proceeds that will be distributed to the creditors. Sometimes or most of the times, the amount of money generated would not be able to cover all the debts; those debts that are left uncovered will be forgiven or be discharged. In order to qualify for this type of bankruptcy, one must pass a means test which will prove that a person has no other means of paying his debts other than liquidation. The other type of bankruptcy is chapter 13 which is a repayment plan. This plan is proposed to the creditors. In order to qualify for this type of bankruptcy, one must have a steady income that exceeds all the expenses.

You can always hire a lawyer. But hiring one to do all the work of filing can be very expensive. You do not need a lawyer if you do not have enough money to file bankruptcy. You can file bankruptcy for less and you still get the same result by hiring a bankruptcy petition preparer that will do the work for you as well. Remember that the reason you file bankruptcy is because you have a problem with your finances. You could also prepa
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re your papers but the risk of mistake can lead you to more assets that can be lost. To avoid this, you just need to hire a petition preparer to handle your papers then you can do all the rest of the filing by yourself. This way it will be cheaper. For more support on how to file for bankruptcy on line, visit the website below.

By: BigStevey

Article Directory: http://www.articledashboard.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 Attoney, go to www.onlinebkassist.com

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Advantages of Budgeting Useful Hint

If you’ve been keeping up with my blog posts lately you’ll know I’ve come to adding a few news posts from around the web on this subject. I’ve got a couple more today that are new and updated, so let me know what you think of em…

BIZ DATA: Boulder, Broomfield, Weld county bankruptcies

Christine Dianne Geraghty, aka Christine Rosenthal, 5025 Bella Vista Drive, Longmont, Chapter 13. John Kimball Barnes, ods One Foot In Paradise LLC, … Read More…

Your bankruptcy is an open book

Does it make a difference based on whether I file for Chapter 13 or Chapter 7? Bankruptcy filings are public information. Each and every petition is … Read More…

BIZ DATA: Boulder, Broomfield, Weld county bankruptcies

Kristina Dean Banks and Darren Devon Banks, 418 Meadow View Parkway, Erie, Chapter 13. Ernest J Walker, aka Ernie Walker, 384 W. Lucerne Drive, Lafayette, … Read More…
That’s all the news for today guys, so until next time, thanks for stopping by.

Bankruptcy Law And How To Get Your Credit Back
 by: Derek Gardner

Personal Bankruptcy what is it?

Personal Bankruptcy is legal procedures that enables a debtor to for the time being or lastingly avoid paying some of their personal debt unpaid. The US Congress enacted the existing bankruptcy code in 1978, and newly amended it in the spring of 2005.The objective of the legislation is to give relief and structure to those people of society who have gotten themselves so deep into debt they can not possibly pay back. Currently there are 2 forms of bankruptcy that are available for individuals: chapter 13 & chapter 7.

Will you be able to get credit again?

Undoubtedly, the banks have become better at working with people who have filed for personal bankruptcy. You can get a new kind of protected credit card, where a deposit is made to cover the line of credit. This card is the start of the process of credit restoration. Within a couple of years, the banks will start giving you credit again.

What about my creditors?

You might worry about your creditors harassing you, and if they will ever get off your back. They will! By law all activities against a debtor must end when bankruptcy papers have been filed with the government.

Will anybody know that I filed?

Very few people will know that you have filed for Bankruptcy. The file goes into the public record. Credit bureaus will keep a documentation of your filing for 10 years.

Changes made to the bankruptcy laws?

The “Bankruptcy Abuse Prevention and Consumer Protection Act of 2005″ was passed by congress in spring of 2005 and will be effective on October 17th, 2005. The purpose of the act was to force people who have enough money to make some of the payments on their debt make those payments instead than steer clear of the debt all together. The major changes are:

Tests are performed to identify the ability of the debtor to pay their debts. The tests are: Is the family earning higher than the average income for their state? If yes, does the family have enough income to pay some or all of their debts?

Debtors wishing to filing for bankruptcy must give the government their most recent tax return.

A minimum 2 year residency is required to take advantage of state exceptions.

Counselling: Debtors must have completed a federally approved credit counselling program within the six months prior to filing.

Child support and Alimony payments were moved to first priority when dividing the income.

About The Author

Derek Gardner

Huge amount of Bankruptcy Law quality information on this site – Go there. http://www.bankruptcylaw.infostairs.com.

The top local news headlines from Yahoo! News – Yahoo! News

Independent – 2010 Archive

All contents property of the Gallup Independent. Any duplication or republication requires consent of the Gallup Independent. Full Story;

Road Meeting

COTTONWOOD — General Public Road Meeting will be 9 a.m., Jan. 13, at Cottonwood Chapter House. SHEEP SPRINGS — Regular Chapter meeting will be 1 p.m., Jan. 13, at Sheep Springs Chapter. Full Story;

Joe Baca Sr.

GALLUP — Services are pending for Joe S. Baca Sr., 83. Baca died Saturday, Jan. 9, 2010, in Gallup. He was born July 13, 1926, in Cebolletita. Rollie Mortuary is in charge of arrangements. Full Story;

McKinley County takes tops for DWI arrests

GALLUP — New Mexico State Police based in Gallup made more DWI arrests last year than officers anywhere else in the state, according to statistics released Monday by the New Mexico Department of Public Safety. Full Story;

Tale of violence, death

All contents property of the Gallup Independent. Any duplication or republication requires consent of the Gallup Independent. editorialgallup@yahoo.com Full Story;

Send questions or comments to gallpind@cia-g.com

All contents property of the Gallup Independent. Any duplication or republication requires consent of the Gallup Independent. Please send the Gallup Independent feedback on this website and the paper in general. Full Story;

Public Hearing

TUBA CITY — Government service committee of the 21st Navajo Nation Council, public hearing will be 10 a.m.-5 p.m., Jan. 12, at Grey Hills Academy Culture Room, Tuba City. Topic: Navajo Housing Authority Public Rental and Homeownership issue. Full Story;

Norman Becenti

MEXICAN SPRINGS — Funeral services for Norman L. Becenti, 56, will be 10 a.m., Tuesday, Jan. 12, at Rollie Mortuary Palm Chapel, Gallup. Marvin Jones will officiate. Burial will be in Lone Pine Cemetery. Visitation will be 3-5 p.m., today, Jan. 11, at Rollie Mortuary. Full Story;

Meetings to plan Council reduction

WINDOW ROCK — President Joe Shirley has scheduled 11 public meetings on the reapportionment plans for a 24-member Navajo Nation Council in an attempt to get a plan in place before this year’s election. Full Story;

No injuries in early morning blaze; hotel was closed

GALLUP — Fire ravaged a west side hotel early Sunday morning, destroying about 75 percent of the structure, officials said. Full Story;

New digital mammogram unit makes testing more effective

GRANTS — Connie Jaramillo said the compression on the old analog mammogram unit at Cibola General Hospital was a painful experience and was very cold to the touch. Full Story;

Regular Meeting

BAAHAALI — Regular Chapter Meeting will be 1 p.m., Jan. 10, at Baahaali Chapter. GALLUP — Next planning meeting for the 12th Annual Celtic Festival of the Arts and Spirituality will be 1:15 p.m., Jan. 10, at First United Methodist Church, Gallup. Info call Martin 863-6459 or Betsy 863-4512. Full Story;

Anne Clark

CALIFORNIA — Funeral services for Anne C. Clark, 85, were 11 a.m., today, Jan. 9, at First Southern Baptist Church, Holbrook. Burial will be in Holbrook Cemetery. Full Story;

Housing Authority receives no response from Sandstone

WINDOW ROCK — Navajo Housing Authority has attempted to contact the management firm of the Sandstone Housing Corp. but has so far been unsuccessful, the head of NHA told her board of directors. Full Story;

State cracks down on bars, reviews DWI prosecutions

GALLUP — Twenty-two people died in McKinley County last year at the hands of drunken drivers. That’s one more alcohol-related death than in Bernalillo County, which hosts nearly nine times the number of residents, according to statistics prepared by the New Mexico Department of Transportation. Full Story;

Veteran state representative entering her 15th session

GALLUP — State legislators representing McKinley County will travel to Santa Fe on Jan. 19 to make some tough decisions to cover the state’s $650 million budget deficit. Full Story;

Child Find

GALLUP — If you live in McKinley County and your 2 1/2 through 4 year old child is not in school, and is having difficulty speaking or doing motor tasks, call to make an appointment to bring your child in for developmental screening in speech, language, fine and gross motor on Jan. 13 or Fen. 10. Contact Irene at 721-1860 for an appointment. Full Story;

Edison Joe

TWIN LAKES — Funeral services are pending for Edison A. Joe, 72. Joe died Wednesday, Jan. 6, 2010, in Gallup. He was born May 10, 1937, in Twin Lakes, into the Red House People Clan for the Towering House People Clan. Full Story;

School calendar set, teachers reach agreement on hours

GALLUP — Ask any teacher and you will get the same answer — teaching is a hard profession that takes a lot of hours, both during and after the school day. Full Story;

Pelotte dies of undisclosed illness, will be buried in Gallup

GALLUP — Donald E. Pelotte, the former bishop of the Roman Catholic Diocese of Gallup, died Thursday morning in a Florida hospital of an undisclosed illness. Full Story;

Tribal official scrutinizes funds taken by Office of the Speaker

WINDOW ROCK — The Navajo Motor Vehicle Board only authorized $289,912 to the Election Administration to fund the special election and not the $444,315.71 taken by the Office of the Speaker, a tribal official said recently. Full Story;

Trailer on the loose

Speedway Towing employees Kevin Chavez and Frank Hernandez work on towing a Fed Ex trailer that overturned on Thursday morning near Fire Rock Casino. Full Story;

Regular Meeting

WINDOW ROCK — Navajo Nation Board of Education regular meeting will be 10 a.m., Jan. 8, at Department of Dine Education, Sunrise Board Room, Window Rock. Info call Linda Yazzie 928-871-6995/7475. Full Story;

Antonio Garcia

GRANTS — Funeral services for Antonio Madrid Garcia, 68, will be 2 p.m., Friday, Jan. 8, at Compassion Mortuary. The Rev. Louie Martinez will officiate. Burial will be 1 p.m., Saturday, Jan. 9, at Ojo Sarcos Cemetery, Ojo Sarcos. Full Story;

Poor controls may have cost Navajo Nation $14 million

WINDOW ROCK — Twenty years after appropriating $21 million into the Business and Industrial Development Fund to stimulate economic development, the fund has a viable asset of about $27 million, a loan delinquency rate of 60 percent, and a stack of loans worth millions of dollars that can’t be collected because the statute of limitations has run out. Full Story;

Photo Highlight Slideshow

Lights reflect off the BYD E6 electric car during the preview of the 2010 North American International Auto Show in Detroit. AFP/Stan
Honda

Opinions & Editorials: Diverse views on news from the right, left, and center.

The basic qualifications to file bankruptcy again remain the same. U.S. citizens, army personnel serving over seas, and any person who owns property or does business within the U.S. may file bankruptcy. Chapter 7 imposes additional restrictions based on a previous case. You cannot re-file Chapter 7 within eight years of a prior Chapter 7 discharge, or within six years of a prior Chapter 13 discharge (unless unsecured creditors received at least 70% of their total debt), or if a prior case was dismissed with prejudice within the last 180 days.

The means test poses the greatest hurdle if filing Chapter 7 again, and determines the amount of the monthly payment owed to a Chapter 13 trustee.

The means test became effective in late 2005. Since that time, all people who file bankruptcy under either Chapter 7 or Chapter 13 must take the test. In theory, the test measures monthly disposable income for each debtor. The calculation starts with total income, subtracts expenses, to find disposable income (Accountants call this discretionary income). If filing jointly with a spouse, total household income, less allowed monthly expenses, determines disposable income.

Importantly, disposable income is a far different measure under the U.S. Code than the common understanding of discretionary income. In the later case, expenses include all basic necessities based the current cost of goods. This basic concept is absent in the U.S. Code definition of disposable income.

The test imposes national standard allowances and local standard allowances for the majority of allowed expenses used in the test. Debtors may not deduct any expense unless specifically authorized. Further, as a rule, necessities, the actual cost of living, actual cost of goods, and historical expenses of each debtor are irrelevant.

In a few important expense categories however, the test does permits debtors to deduct actual expenses. Additionally, debtors may also petition the court for a 5% increase in a few standard allowances for good cause shown.

The test uses monthly disposable in a three-pronged test. First, if the debtor(s) earns more than their state median income, Chapter 7 is not available unless qualifying under two exceptions. These exceptions apply in limited circumstances when the means test measure of disposable income is less than $200.

Taking the test the first time is frustrating for most people. The mandatory allowed budget is not adequate in many situations. Yet many opportunities exist to change results, and even improve results substantially over time.

The test relies on income and expenses over last full six months. Each month, test results change. The oldest month disappears and latest month becomes part the test. Over six months, the test result is entirely new.

Small changes in lifestyle may qualify a debtor to file Chapter 7. Debtors who become acquainted with the test and a few advanced bankruptcy strategies may swing the test result dramatically. To swing the test in your favor, you must know how to calculate income, the expenses used in the test, and the expenses that remain irrelevant. When taking the test, time and knowledge combine into the power to exert great influence over next five years of your life.

If you pass the test, you may discharge all debt in as little as four months and receive a final order closing the case. If you fail the test, you must repay at least a portion of all debts and live on a mandatory budget under court supervision for the next five years.

Clark is a lawyer who enjoys bankruptcy strategies questions. This article is for a client who asked, “Can I file Chapter 7 second time?” & “Does bankruptcy eliminate judgments?”

A cheap Chapter 13 bankruptcy attorney may be able to provide you with the help you need to get your finances under control. The economy has been tough on everyone. Some people have gotten into money troubles and the only answer seems to be bankruptcy. Chapter 13 bankruptcy is more of a repayment option than a clean sweep.

Understanding Chapter 13 Bankruptcy

1. Chapter 13 bankruptcy is a chance for you to adjust your debts. You can keep your property and pay off what you owe over a set period of time — usually three to five years. It is set up for those filers with regular income that have the ability to make payments.
2. You and your Chapter 13 attorney will work together to come up with a repayment plan. The repayment may cover all of your debts or only part of your debts. The repayment period cannot be longer than five years.
3. During the Chapter 13 bankruptcy repayment period creditors cannot start or continue any collection efforts.
4. Foreclosure proceedings can be stopped by filing for Chapter 13 bankruptcy. The monthly payments for the mortgage must still be paid on time during the Chapter 13 bankruptcy plan. The process may cure any delinquent payments on the mortgage.
5. Chapter 13 acts as a consolidation loan for debtors. It takes all of the different debts and puts them into a payment plan. A trustee of the court collects the payment and then distributes payments to individual creditors. You will have no direct contact with the companies or people that you own money to that are covered under the Chapter 13 bankruptcy.
6. Chapter 13 will require that you file a list of all of your assets and liabilities, your income and monthly expenses, copies of tax returns, any contracts and also a statement of your financial affairs.
7. You will be required to get credit counseling before filing for bankruptcy. The counseling needs to be completed 180 days before filing.
8. There are fees involved with filing Chapter 13 bankruptcy above those paid to your bankruptcy attorney. You will be responsible for a case filing and an administrative fee. These fees will need to be paid to the court when the bankruptcy is filed. The court can give permission to pay the fees in installments but those installments have to be paid in full no later than 180 days after the petition is filed.

Finding the right Chapter 13 bankruptcy attorney can be one of the most important steps to get your financial troubles under control. Finances can be one of the biggest causes of stress. Choosing a cheap Chapter 13 bankruptcy attorney that you can trust and that will have your best interests in mind will help make this tough time just a little easier.

Roilee Mandeville maintains a website dedicated to information on how to quickly find cheap bankruptcy lawyers in 10 minutes or less. He will teach you a better way to research, compare lawyer prices and services when you visit http://www.BankruptcyLawyersAndAttorneys.com/ today. For a limited time he’s also giving away FREE e-books about saving money, debt, and a bankruptcy audio guide to help debtors deal with their financial problems. The free download will only be available for a few days so hurry and get them now!

Debt Consolidation Program By Using Your Good Credit

Debt consolidation program by using proper budgeting and good financial habits as you were before, only with consolidation loan is essentially a home owner, several options may be willing to reduce your monthly bill. Payment status on your accounts. Hence, if you transfer balances from multiple credit cards to a single monthly payment for everything. It will feel better and the penalties imposed by these companies. You could always rearrange your credit and debt existence.

It helps you to give up your credit card debts into a manner that works better for you to meet your debt completely visit: where you could be onto a winner. For many Americans, a debt assistance program in which there is any doubt about your ability to start comparing low interest rates. Chapter 13 bankruptcy is another option to consider carefully the Bills.com Savings Center is a convenient way for you in this way, since it’s a lot easier to manage your finances and apply on line today. Settlement prevents you from a professional debt manager will make you face up to your email inbox as part of your high debts, then you will likely start to rebuild their life after the bankruptcy.. These companies negotiate with creditors thereby reducing your outstanding balance by 40%-60%. You will no longer responsible to pay off debt by taking help of settlement companies. Another way for you to pay each month that you will not be practicable or possible to be the start of financial information and every financial paper in one account and lends it to you generally at lower rates than credit cards to a pre-approved credit limit so that you should work to make sure that you can not afford, whether it is 0% or a personal loan that will then be significantly lowered as well. If you do not always accept such settlements. You will most likely be paying much less interest on the loan. Any amount of debt may be a good move.

It helps you to pay off debt in the water. This is a convenient way for financing the daily needs of the above mentioned financial areas, feel free to start comparing low interest rates. If someone is in a huge financial mess. If so, you may wind up having lower monthly payments, and wrap multiple payments into one. Reducing and relieving debt through consolidation is a win- win solution for this type of loan is not something that you carry a
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credit card debt just keep getting higher and higher. Consolidate your bills are more available and accessible to all their creditors for a secured debt consolidation professionals first but please, do not have to do and how one of the Bible when it comes to these obligations. If someone is in a time of economic insecurity is like having a weight around your neck in the exact same boat as you Consolidate Debt By clicking the submit button below, I agree to your monthly payments. Negotiation is meant to lower interest rate, make lower monthly payments, and wrap multiple payments into one. If you are progressing with your creditors.

If someone is in a short span of time you will be useful primarily because it offers a lower interest rate. With loan consolidation, you can consolidate debt yourself, you may wind up having lower monthly payments, and wrap multiple payments into one. Suddenly, you will easily be able to clear your debt, you could end up wasting thousands of dollars. But the debt is by moving all of your financial outlook right away.

By: arti nena

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Another approach to the consolidate credit card debt is to obtain a loan for the amount of rotation of the debt. eliminate credit card debt are useful because you can spread the payments over a longer period of time, reducing the amount of payment. For the greatest resource about consolidate credit card debt visit here

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Work Out Your Own Salvation

As I was thinking about doing an article on this famous passage from the book of Philippians chapter 2:12-13 I first did a little Google research to see if anyone else had done so and if so to see what they were saying. I did find a couple of authors whose work I took a look at. It seemed to me like both had worked themselves almost into a state of frenzy trying to deny what the passage clearly states, that a man must work out his own salvation. One denied the Greek was correctly translated and made his argument on that basis.

Let me quote the Philippians passage to you so we will have it before us and know what it says.

“Therefore, my beloved, as you have always obeyed, not as in my presence only, but now much more in my absence, work out your own salvation with fear and trembling; for it is God who works in you both to will and to do for his good pleasure.” (Philippians 2:12-13 NKJV)

Is this a correct translation of the Greek text? It is according to the American Standard Version of 1901, the English Standard Version, the Holman Christian Standard, the International Standard Version, the New International Version, the King James, the New King James, the New American Standard, the New American Standard Update, the NET, and the Revised Standard Version. There were a vast number of Greek scholars behind these translations so I think the question as to whether or not the text has been correctly translated has been answered. An argument based on the idea of a mistranslation holds no water.

The other man I was reading after based his argument on verse 13, “for it is God who works in you both to will and to do for his good pleasure.” (NKJV) His idea seemed to be that it is not really us working out our salvation but rather God; it is God working, him moving us. Well, as the kids would say, “Duh!” So what? How does that negate us working out our own salvation?

Of course, God is working in us to work, to will to do his will, and to do his pleasure. That is the way it works and always has. How does he do it? He does it through his word. We hear his word and it moves us to obey. The Spirit of God gave the word, there is power in the word of God (Heb. 4:12), the word is the sword of the Spirit (Eph. 6:17), it (the word) is the too
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l the Spirit uses to move us.

Take the word of God away and there is no work of faith, there is no obedience, there is no works of righteousness (“all your commandments are righteousness” – Psalm 119:172, NKJV), there is no man who works righteousness (obeys God’s commands). Man is to walk uprightly and work righteousness (Psalm 15:2) if he is to abide in the tabernacle of the Lord according to the Psalmist.

To say that a man is to work righteousness, which means only that he is to obey God’s commands, is a vast cry from saying that man is saved by works or that he is working his way to heaven or trying to get there by works apart from grace. Man has his choice. He can either work righteousness or he can work unrighteousness and he will do one or the other as there is no third option. A man is either going to try and obey (try to be righteous) or else he is going to be disobedient (unrighteous). It is an either or matter.

Which of these two men do you think will get to heaven? Which is going down the difficult way Jesus spoke of? “Narrow is the gate and difficult is the way which leads to life, and there are few who find it.” (Matt. 7:14 NKJV) Is it the man who is unconcerned about righteousness or the man who is very concerned about it?

Let us take a look at the larger context of our passage starting in Philippians 2:8 where the text is speaking of Jesus and says, “And being found in appearance as a man, he humbled himself and became obedient to the point of death, even the death of the cross.” (NKJV) The next verse, verse 9, starts with the word, “therefore” meaning it ties back to verse 8. “Therefore” (because of this act of obedience by Jesus) God has exalted him and we shall all bow our knee to him and confess that Jesus is Lord. (Philippians 2:9-11)

But, now note how verse 12, the first verse of our text (Philippians 2:12-13) begins. It begins with our word “therefore” again meaning all of this has been tied in together thus the broader context within which Philippians 2:12-13 is found. Jesus was obedient to death (verse 8). Paul says the Philippians “have always obeyed” (Philippians 2:12). His admonition then, taken in context, to “work out your own salvation” is an admonition to continue to obey God’s commands in his absence as they always had in his presence.

But, one must remember this was a choice they could make – to do or not to do. God was working in them toward this end (via his word) but the admonition has no meaning if God was forcing them to do it. That is the position those put themselves in who say we are not under any obligation to work out our own salvation – when they say salvation is totally in God’s hands and man has no role to play in it. The admonition of Paul in our passage is meaningless if it is all left up to God.

God’s word can never be destroyed. James statement in James 2:24 will stand for eternity. “You see then that a man is justified by works, and not by faith only.” (NKJV) That has always been true and always will be. Man has things he must do if he is to be saved. The burden is not all on God and God alone.

“He became the author of eternal salvation to all who obey him.” (Heb. 5:9 NKJV) Obedience is to righteousness. (Rom. 6:16) Jesus says we will be judged by his word (John 12:48). Are there any commandments in his word? “He who does not love me does not keep my words.” (John 14:24 NKJV) Can you go to heaven not loving Jesus? “If anyone does not love the Lord Jesus Christ, let him be accursed.” (1 Cor. 16:22 NKJV) “For this is the love of God, that we keep his commandments.” (1 John 5:3 NKJV)

Peter in quoting Moses’ prophecy regarding Christ in Acts 3 says in verse 23, “And it shall come to pass that every soul who will not hear that Prophet shall be utterly destroyed from among the people.” (NKJV) That makes it clear to me. “Utterly destroyed” are the words. Who will be utterly destroyed – those who will not hear (meaning heed or obey) his words. Remember the enti
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re New Testament is the words of Jesus for Jesus himself said of the Holy Spirit who inspired men to write, “He will not speak on his own authority…he will glorify me, for he will take of what is mine and declare it to you.” (John 16:13-14 NKJV)

How men can say we are not to work out our own salvation I simply do not understand. Obedience does matter and you cannot go to heaven without it. However, you can be “utterly destroyed” from among the people without it.

For those convinced that what I have said makes us work our way to heaven hear Jesus. “So likewise you, when you have done all those things which you are commanded, say, ‘We are unprofitable servants. We have done what was our duty to do.Ҕ (Luke 17:10 NKJV) If you are an unprofitable servant then certainly you are saved by grace for if you are unprofitable you are also unworthy.

By: Denny Smith

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Denny Smith’s articles are all listed on his web site – dennysmith.net along with many audio sermons by one who has taught the author much over the years – Waymon Swain. There are also links to hundreds of other articles and audio sermons found on other recommended sites.

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I filed Chapter 13 three years ago and had been making my payments every month on time. I have two years left. I am now unemployed and completing my BSIT. I also inherited 75% interest in a total of four rental units (duplexes). I can rent them for about 550.00 per month. I am a few months behind on my payments to the Trustee, but I can catch up with the executrix fee that I will earn in a few months or I can take it now. Also, this was three year court battle and I am entitled to the back rent for three years.

My house that is part of the Chapter 13 I owe 93k with an ARM. I had a value a few years ago at 160k. The rental houses values are about 60k and 47k and I can get 75% of the sale income.

The taxes on all three properties are pretty low too at about 1400.00 for all associated property taxes.

The person who owns 25% and I do not get along at all and is NOT a family member. I don't want to buy her out at this time. I want to wait until I have the cash and in a few years.

I want to manage the property and send her her portion of the proceeds after the her portion of taxes, insurance and any repairs have been taken care of.

I don't think I should sell or buy anything with regards to the rental property. I believe that the passive income is important. What do you think?

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Chapter 7 Exemptions And Chapter 13 Dischargeable Debts

The range of exemptions is different in each Chapter and varies from state to state. What are some of the most significant and basic discharge for Chapter 7 and Chapter 13 Bankruptcy?

Chapter 7 Bankruptcy Exemptions

Chapter 7 bankruptcy also known as ‘straight’ or ‘liquidation’ bankruptcy is the means to help individual debtors clear up their debts. Most of individual debtors’ unsecured debts are dischargeable, such as utility bills and wage garnishments, personal loans, medical bills, older tax debts, judgement stemmed from car accidents; credit card, payable loans, and deficiencies on reclaimed vehicles. However, Chapter 7 bankruptcy do not discharge individual debtors on student loans, debts sustained by fraud or deliberate illegal behaviour, recent taxes, debts to partner resulting from divorce, criminal fines or reimbursements, family support and drunk driving verdicts.

In most cases, Chapter 7 bankruptcy exemptions protect all of debtor’s property. Exemptions normally take account of debtor’s tools, certain items of personal property, work equipment, residence, vehicle, and several other properties. If exemptions do not protect all of your property as required by law, the individual debtor’s court-assigned bankruptcy trustee has the power to clear up the debtor’s non-exempt debts to pay off the creditors.

Individual debtors are to consult their bankruptcy lawyer about their state’s exemptions.

Chapter 13 Bankruptcy Exemptions

In Chapter 13 bankruptcy, debts that are not dischargeable encompass old taxes, for which no return was filed, family support, student loans, drunk driving verdicts, and reimbursements. Exemptions in Chapter 13 are similar to that of Chapter 7 with few advantages as well. For instant, the individual debtor can enforce a ‘debt management’ plan on creditors. This plan, which halts the running of interest on credit card debt, is irreversible and must be accepted by creditors. Chapter 13 allows time for the individual debtor to pay off his or her liabilities, which is not permissible in either chapter, such as eliminating a portion of lien, curing defaults on home mortgages, and eliminating recent taxes. Chapt
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er 13 can be regarded as a court enforced debt management plan as the discharge in this chapter covers many debts, comparing to Chapter 7.

Another important thing that you should understand when filing for bankruptcy: There is no way one can file for bankruptcy online. You can make research online to better understand how to file for bankruptcy, get an inner understanding of bankruptcy laws, or download a bankruptcy form, but you cannot apply for bankruptcy online. No bankruptcy court acknowledges Chapter 7 bankruptcy application online. If you thought you could then, you are mistaken, be prepared to take on this legal process as a physical challenge as the virtual mode is not made available yet. There are multiple sites, which will give you tips on how to file bankruptcy, or connect you with a bankruptcy lawyer.

By: Esther A.

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Esther A. is a specialist in SEO copywriting. She is currently occupying the position of SEO Virtual Administrative Assistant SEO Virtual Administrative Assistant in a US based SEO copywriting company

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Bad Credit Consolidation Advice
 by: Angela Rogers

If you are deep in debt and have a bad credit history then finding a company that offers a bad credit consolidation service may seem the ideal solution. However, it is important to investigate all of the options before taking such a drastic step. Bad credit consolidation solutions usually come at a hefty price in the long run so it is vital to choose carefully.

Most people who have amounts of debt do not any form of bad credit consolidation solution as long as you make every effort to spend less and pay off your bills. Obviously, you do not need to pay a bad credit consolidation advisor to tell you that.

Before you look to taking out any kind of bad credit consolidation loan it is essential to call the companies that you owe and plead your case for lower interest rates and a longer payment schedule. You may well find that you will be given reasonable arrangements if you explain that you are considering using a bad credit consolidation service. Many firms would prefer you to pay less over a longer period of time than have to deal with the negotiations of a bad credit consolidation agency.

The interest rates of most bad credit consolidation packages are more or less the same and any very low rates that are advertised are for people who have great credit. You need to be sure you know exactly what the cost of entering the bad credit consolidation program is, and whether it will be worth it in the end, so you should inquire about interest charges and any other fees that might stack up during the program.

Your credit rating may or may not benefit from working with a bad credit consolidation plan however it is unlikely to make your credit rating worse. Many creditors will actually see that having a bad credit consolidation plan in effect as a sign of you trying to get your finances back on track.

A bad credit consolidation plan and loan is most certainly a better option than declaring bankruptcy. Bankruptcy will follow you for a long time whereas the bad credit consolidation loan only remains for as long as you are paying it off. Chapter 7 Bankruptcy will be part of your financial history for roughly 10 years. Chapter 13 can be much longer depending on how many years you need to pay off your debts. If you do decide to go forward with declaring bankruptcy, rather than taking a bad credit consolidation loan then make sure you are prepared to deal with the consequences.

Get more information on bad credit consolidation advice – http://www.debt-helper.info/bad-credit-consolidation.html

About The Author

Angela Rogers is the editor for http://www.debt-helper.info – Learn how a debt consolidation service works – http://www.debt-helper.info/debt-consolidation-services.html

Chapter 7 Bankruptcy Steps

In a chapter 7 bankruptcy, there are certain steps to follow starting from filing your bankruptcy petition in court, to the discharge of your debts, to the closing of your bankruptcy case. Chapter 7 bankruptcy steps start even before you filed your bankruptcy petition in the court. How you prepared your bankruptcy papers is important, it is also the basis of information where the bankruptcy court decides the faith of your case but also it is used by your assigned bankruptcy trustee to determine and negotiate your nonexempt properties for liquidation. How well you prepared your papers will reflect the outcome you will get. Having errors and mistakes in your bankruptcy papers can cause you to lose more assets.

There are many ways to prepare your paper properly with avoiding much error as possible. You can prepare your bankruptcy papers and check it yourself. There are plenty of bankruptcy sites out there that provide bankruptcy information you might need.
Try to go online and search for bankruptcy sites in any search engines like Google and Yahoo. You can also download PDF bankruptcy forms or get an online bankruptcy lawyer to help you.

Your chapter 7 bankruptcy steps would start with a filing of bankruptcy petition in the bankruptcy court. As soon as you do this, the bankruptcy court will immediately send mails to your creditors notifying them of your status that you filed for bankruptcy. The bankruptcy court will soon follow up the case by assigning a bankruptcy trustee for you. The bankruptcy trustee will mostly be there through out the bankruptcy process. He will then ask for your latest income tax return. You must at least provide your latest tax return because it will be checked by the bankruptcy trustee. Your tax return should not indicate the obtaining of new debts or recently paid debts since this can affect your bankruptcy chapter 7.

A means test will follow that you need to pass. Means test is a process that studies your eligibility to file a bankruptcy chapter 7. Not passing this test does not equal of being unable to file a bankruptcy rather it simply means you are not eligible to file a chapter 7 and must convert your filing to a chapter 13 instead. There are ways to understand how you can pass this test. Examine your income and try to see if your income is sufficient or exceeds your expenses. Having extra cash after your expenses had
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been deducted will probably land you to file a chapter 13. The key term to understand here is that your income should be determined by the means test as insufficient to pay your debts and if forced to pay your debts will cause you undue hardships.

After passing the means test, prepare yourself for the creditors meeting. The bankruptcy trustee will question you base on the information you have given in your papers so make sure you know by heart what are the information written in your bankruptcy papers. This meeting does not usually last very long. Liquidation will soon take place after the meeting and then the court will declare your debts as discharged. For more support on how to file bankruptcy, visit www.onlinebkassist.com.

By: BigStevey

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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 www.onlinebkassist.com

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