When someone is considering filing for bankruptcy, chances are that they aren’t thinking of all the repercussions that they are going to have after it’s over. Here are negative affects of filing for bankruptcy.
No say in how much you will have to repay to your creditors, since the decision isn’t in your hands any more.
Loss of assets or treasured items, such as your house or car, or even your business if you are business owner. Payments to repay creditors can be garnished from wages for as many as five years. Consumer debtors have to attend credit counseling within the first six months after they file for bankruptcy. Debtors have to finish an education in personal financial management before they are able to get a discharge.
If it’s a chapter 13 bankruptcy, it will be your personal credit report for 7 years, if it’s a chapter 7 it stays on for 10 years.
When someone is considering filing for bankruptcy, they need to think about the negative affects of what they are doing and ask themselves if there isn’t a better way to help themselves out of a financial mess. Chances are that there is, they just have to do some research and ask for some advice from other people. Credit counseling is a good place to start. Bankruptcy is not the only option that they have to go on.
It pays to get multiple opinions before you end up filing. Bankruptcy stays on your record for 10 years, so you need to go into this knowing everything in advance.
Friday, December 11, 2009
Tuesday, December 1, 2009
Public Criminal Background Check - How To Get The Most From Public Background Checks
Doing a public criminal background check today has become part of the landscape that is society. With the resources of the internet now at a person's disposal this type of recognassaince is pretty much at the fingertips of most people with a computer.
However, getting the entire picture is proving to be a barrier because you can access information in bits and pieces but much of it is not interlinked which can make searching a long experience and a frustrating one.
So conducting a public criminal background check is a good plan of action if you need to check on a new employee, a flatmate, on online date you're meeting or just about anything which may be too good to be true. In this article, we'll lay down some guidelines in getting the most from your searches.
Public Background Criminal Checks
- You can use a search engine and input the name or address, and maybe some information will come up, but it may not be complete. It will give you a general idea if the person is a criminal if you find something, but if you don’t, then you still don’t know if you have a complete background check or not.
- This is where many amateurs make judgment errors and unknowingly employ, or become involved with a fugitive, sex-offender, or worse. There is one all-encompassing source called PACER-mainly available to the FBI and not the public. Many states and counties have their own websites where you can do a public background criminal check, but they may not have websites available for general criminal checks, just other purposes.
- You could use The U.S. Federal Prison Database to do a background criminal check on inmates, and a limited archive of past inmates, parolees, and probationary criminals. The Highway Patrol has sources to do your own background check; however, you need to know all the places an individual has been to know where to look for their background or history.
- The main thing to consider when you are doing background criminal check is that it is very time consuming to check all databases, even if you have all the information, which you probably don’t. A criminal wanting to hide their past, may know ways to keep things hidden in an employment application, dating situation, and in moving next door to you.
- The U.S. Department of Justice now requires convicted sex offenders to be registered, but usually doing a public background criminal check does not list outstanding warrants and arrests until they become convictions.
However, getting the entire picture is proving to be a barrier because you can access information in bits and pieces but much of it is not interlinked which can make searching a long experience and a frustrating one.
So conducting a public criminal background check is a good plan of action if you need to check on a new employee, a flatmate, on online date you're meeting or just about anything which may be too good to be true. In this article, we'll lay down some guidelines in getting the most from your searches.
Public Background Criminal Checks
- You can use a search engine and input the name or address, and maybe some information will come up, but it may not be complete. It will give you a general idea if the person is a criminal if you find something, but if you don’t, then you still don’t know if you have a complete background check or not.
- This is where many amateurs make judgment errors and unknowingly employ, or become involved with a fugitive, sex-offender, or worse. There is one all-encompassing source called PACER-mainly available to the FBI and not the public. Many states and counties have their own websites where you can do a public background criminal check, but they may not have websites available for general criminal checks, just other purposes.
- You could use The U.S. Federal Prison Database to do a background criminal check on inmates, and a limited archive of past inmates, parolees, and probationary criminals. The Highway Patrol has sources to do your own background check; however, you need to know all the places an individual has been to know where to look for their background or history.
- The main thing to consider when you are doing background criminal check is that it is very time consuming to check all databases, even if you have all the information, which you probably don’t. A criminal wanting to hide their past, may know ways to keep things hidden in an employment application, dating situation, and in moving next door to you.
- The U.S. Department of Justice now requires convicted sex offenders to be registered, but usually doing a public background criminal check does not list outstanding warrants and arrests until they become convictions.
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