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Further
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What To Do If Your Newborn Has Jaundice?
Don't panic if your doctor tells you that your newborn baby has jaundice. Jaundice in a newborn baby is a common condition.
Most newborns have normal physiological jaundice and in very rare cases is the jaundice due to serious liver disorders....
Guide to shaving pubic hair
Getting the decision to start shaving your pubic hair is easy. Doing it is a bit more difficult.
Using the guidelines in this article, you will find that pubic hair shave can be a simple task.
First, is your pubic hair shave decision final? Make...
10 Common Wedding Reception Mistakes
Every bride wants a fairytale wedding. Therefore, this article is to try and minimize problems that may occur during a wedding reception. Listed below are the more common mistakes made by brides and grooms during your wedding reception. We will tell...
Learn How To Sell High-End, Luxury Homes
Hello, my name is Tony Dulgeroff and I'm a full time real estate professional in the Ann Arbor, Michigan area. These tips will work for you in any area of the U.S. First, only put your home on the market when there is a real demand for homes like...
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One Man’s Brush With Bankruptcy
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Written By:
Eric Chavez
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Having gone through a bankruptcy 7 years ago, I'm still feeling the shockwaves of that fateful event in the form of higher interests rates when I apply for loans, and living with the whole stigma that bankruptcy places on you.
It was 1990. I was a freshman in college. Walking through campus, I'd be bombarded with credit card offers on a daily basis. One day I though, "why not?" I got my first credit card.
$500 to do what I want, who can beat that? The problem was, that it was so easy to apply for credit cards I ended up applying for all of them, or so it seemed. Actually, I had at least 5, and soon enough, they were all maxed out.
And then I bought a car, which only added to my mounting debt.
Fast-forward 7 years. I had amassed a serious debt, and I didn’t even have a decent paying job to keep up. It was an overwhelming experience, to say the least, and in the end I decided that bankruptcy was the only option.
They make it so easy to declare bankruptcy these days. The lawyers and their commercials tell you how low cost it is, and how simple. Just go into their office, fill out some paperwork, pay them their check, show up to court, and you’re done.
It’s the aftermath they don’t tell you about—the shame, the guilt, the disgrace that it places on you, the inability to get decent rates - continued below ...
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on credit cards and loans, or even rent an apartment.
It’s been 7 years now since that fateful day in court, when my slate was wiped clean. As relieved as I felt for no longer having to deal with the insurmountable task of paying bills I could no longer afford to pay, I didn’t feel very good about myself, and still don’t.
They say that a bankruptcy stays on your record for 10 years so I have 3 more years to go. In the meantime I’m getting married soon, so how do I tell my wife-to-be that we can’t buy a house just yet? We have to wait three years.
No, I haven’t told her yet. I’m too ashamed.
That's why I started http://debtrelief1.info to let people know that there are alternatives. Hopefully, people will learn from my mistakes and think long and hard before deciding that bankruptcy is the answer.
In my opinion, it's a bad decision and a short-term fix to a more serious problem. In the end, you still end up paying your debts in the form of internal strife, external perceptions, and higher interest rates.
About the Author
Eric Chavez is an author, and researcher in the field of credit counseling, and debt relief. He enjoys helping others overcome the stigma of bankruptcy, and turn their lives right side up again. Visit his website, http://debtrelief1.info for more information.
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How To Help Your Child Build Positive
Almost all delinquency and serious behavioral problems in children (at home and in schools) are connected to poor self-esteem.
But first of all, what is self-esteem? It is a belief that we belong and are accepted, strong and capable and loved....
Planning for College Applications: Starting Out Early
If you've got kids who are getting close to the age where they'll need to apply to college, you should start figuring out a plan for getting them into the place they'll want to go. Ideally, you should start this before they even get into high school...
How to Remove Crayon From Carpet and Walls
Crayons are a wonderful tool for little ones to express their creativity, and you'll proudly display their efforts on your refrigerator for years. But accidental artwork on other surfaces around the home are not things you want hanging around.
If...
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