THIS IDeA COULD MAKE MILLIONS!?
Question:
I have a great perception for a website, i bought the domain and the server, i simply need someone who is proficient surrounded by web design. I'm looking for someone who can program terribly well. My principal question is where on earth on the web can i go through for designers or investors to take me up on this really appropriate idea, and also if anyone here know how to design and program well.
Answer:
So, surrounded by other words, you want someone to do it all for you.
Forgettaboutit.
If its such a moral idea, hire someone to do the design out of your own pocket.
Nobody invests surrounded by an idea.
Nahhhhhhhhhhhhhhhhhhhh
Short public sale to avoid foreclosure.?
Question:
If first and second mortgage holders accept a short Dutch auction and it falls short of the amount owed can they still seek a judgement even though they choose to adopt the offer, especially if the property is worth satisfactory to pay rotten both loans in full?
Answer:
I meditate that this varies by state, surrounded by California, yes they can.
The difference between what is owed and what is collected
is called a negative amount balance and you are still liable for
that amount. The mortgage holders, however can not
intentionally adopt an offer to be exact lower than the best offer
on the table, as an example speak the house was worth
$400,000, if at hand is an offer of $250,000 and another set aside
for $375,000 they must take the sophisticated offer.
Your not as much as balance would be $25,000 plust the costs
associated next to the sale (forelosure costs, title fees, escrow
fees etc. etc.)
Good explanation of negative amount balance
no they can not travel for a judgement if the companies except the offer but be advise short sales will affect your credit
I'm trying to use my debit/credit card, and it won't except it?
Question:
o.k. it's a mc debit/credit card , yes i entered the 3 degit sec. code , yes here is money in the acct., yes i enter the card # correctly, it is a trial card, anymore questions, or planning?
Answer:
Hi!
There may be another answer. Some don't take the debit cards...it must be a legitimate credit card. Yes..they can find out which is which.
If that's not it...it may be whatever you are trying to do is trying to preauthorize a larger amount than your match (ie: hotels or car rental)
did you remember to initiate the card before using it?
whaaaaaaaaaaaaaaaT? u don't know - everybody don't except MC. Ok if they do did you already register it!
better but go to yo banc! or where on earth ever u got it from and they will straight it 4sho! that 's a personal banc thang 4real!
If it's a bright card, did you call and motivate it? Call the credit card company
If it is a new card....perchance it needs to be activate.
contact the card company
If this is the first time you've tied it you need to cause it at an ATM or call within to your bank from your home.
send for your bank....you may enjoy a defective card or the security code is different from the bank and needs to be reset...or it could be the atm you are using...
My friend basically moved to this country, how can she build credit and attain a credit card?
Question:
Answer:
The easiest is to open a money account ($500 or so) and
use that as payment for a credit card, the bank will issue
her a card because the funds account is collateral.
The card will enjoy a limit up to the maximum of her reserves
(savings will be frozen unless the balance is greater than
her spending limit)
When sh uses the credit card, report her pay the card stale in full
respectively month, her credit report will reflect her settlement record
and until that time long she will start getting offers within the mail.
After in the order of 6 months she can ask her bank to issue her
an unsecured card or even to remove her money as the
collateral, with her prompt stipend record this is not often
a problem.
all she requirement do is apply on line.
If she have a social security number she can try to apply for store credit cards. Also Capital One (www.capitalone.com) have a credit card for people near no credit. She could apply there.
She will hold to start small. Get a Credit Cart with a $500 closing date, and use it, the pay it bad each month. The switch is that she has helpful credit that she's using, but she can prove that she can pay it sour. Check out some of the bank's websites and see if they have anything for topical citizens - most do. The interest rates will be high, but as long as she pays the debt rotten regularly, she'll be ok. Depending on why she needs the credit - eg. to buy a house, she'll probably have need of more credit history than that - a few years of active credit and a few trades (a vehicle loan, credit card etc.)
Advice on credit repair?
Question:
Has anyone had experience near or know about the following:
www.creditbureauexperts.com
Credit Justice Services
I am looking into credit repair and would similar to to know if anyone has ever done this and it worked? If so, please confer information about your experience.
Answer:
Do it yourself:
To boost your credit evaluation:
The first thing you will inevitability to do is call the three chief credit reporting agencies and request a free copy of your credit report.
www.equifax.com
www.experian.com
www.transunion.com
Then once you get those within the mail (7-10 days) nearby will be a dispute form attached to the reports. Fill those out for every negative commentary on your report regardless. Fax, mail travel online whatever it take to get those submitted as soon as possible. Then those companies must answer your dispute within 30 days or it is removed from your credit report completely. So that will wipe out some things, hopefully.
Then make sure you recompense all your revolving accounts to below 50% of your credit edges.
Make sure that you make adjectives your payments no more than 20 days from the date it is due.
Good Luck!
Did you look them up on the Better Business Bureau website?I just checked out the site--seems they dispute things for you but I know you can do that yourself. Did you grasp a recommendation? I've hear about companies approaching that but never tried it. If it works, let me know. Good Luck!
Dear repair hunter,
Please adhear to the message I am about to dispatch. DO NOT GET INVOLVED WITH ANY TYPE OF CREDIT COUNSELING SERVICE. THIS IS WORSE THAN BANKRUPTCY. What I suggest you do is go to www.annualcreditreport.com and request your free credit report from respectively repository (Equifax, Trans Union, Experian). After receiving your credit report(s), contact the creditors that are posting unenthusiastic ratings on your report(s) and set up a payment plan and try to settle for a slighter balance than the full stability. Start with the smallest accounts and work your road up to the larger ones, it may take some time, but at lowest possible you will be doing this on your own without any more distrustful aspects hitting your credit rating.
Any company that promises you to "Repair" your credit is a scam and you need to stay away from them. If your information is valid on your credit report here is no legal mode to have it removed.
Now here are some that will provide services to fix inaccurate information, but the prey on the insufficiency of knowledge of relatives to pay for these services. All of these "services" that they present are things you can do on your own for free.
You are allowed 1 free credit report from each of the 3 credit agencies once per year. If in that is anything incorrect on your report you have the right to dispute it for solely the cost of sending a certified letter to the agency.
Go to the forum slice of www.creditboards.com and READ READ READ
I work for Credit Justice Services. We are the ONLY company that actually let you look at, and sign the dispute letters. You won't find a better credit repair company - but by adjectives means, check the competition out. I see first paw the results that we get for our clients every daytime. You will likely see an increase within your credit score from 50-100 points surrounded by 75 days or less.
It other bugs me when I see people surrounded by this forum say that you should never hire someone to repair your credit when you can do it yourself. Please! The ruling says you can represent yourself within a court of law, verbs your own teeth, do your own transmission work for your motor, etc... Who do you think will acquire the job done better?
Try it yourself if you craving. It PROBABLY won't actually hurt your chalk up, and will likely add to it. But if you want it done right, use a professional - a good one.
Good Luck!
Ok first things first. Check to see what the statute of limitations for credit reporting is within the state you live in. If it is former statute you can report it to all three principal credit reporting bureaus and have them dropped sour.
Also dispute anything that is not valid, correct or be not of your doings. If you have anything on in that that you didnt do...file a police report and forward a copy to the creditors and bill collectors.
If they are not former statute and are valid...you need to acquire them paid. A credit institution will charge you money to do duplicate thing you can do. They singular mess up your credit even more when their inquiry, line item shows up and they loaf to receive your payment to pay packet the creditors so they run your stuff late. Plus, they can not stop the creditor or agency from coming after you. By canon the collector or creditor have the right to narrate them to **** off. Nobody works for free, believe me you reward them.
Start by calling the collection agency try and cut deals to settle the accounts. Some agencies will give somebody a lift as low as 30% to settle. Others will request more. Very rare but some creditors will not adopt a settlement at all. Try and label them to agree to delete from your credit report as well. Some agencies may require that you wages the entire balance for them to delete it. Others will agree to delete near the receipt of the settlement amount.
Get the business in writing beforehand you pay and than more on to the subsequent one. One by one...next entry you know its done.
Anyone that says you can't repair credit is wrong! The merely information that can be on your credit report is information the credit repair companies can prove belongs there. They enjoy the burden of proof. I've repaired my own credit and I've been told that's the best approach to go. No one know more about your situation than you. I get a book to help me on this site.
turn to daveramsey.com and follow that plan. You need nil else. This is good, adjectives sense and it works!
Which is best, paying the collection agency or my doctor the $ owed??
Question:
my doctor sent my bill of $288 to a collection agency and my dentist also sent my bill of $294 to an agency. my question is, do i try to product a settlement with the collection agency or is it too unpaid to go to my doctor/dentist and discharge them the full amount in exchage for them to own the collection agency on my credit report.
Answer:
Medical debt is a bit different as far as collection agencies and medical providers go.
You own a right to pay the medical provider no concern what kind of a treaty the med. provider and collector have.
By using your HIPAA rights --
You can earnings the medical provider, but you must pay within full (no deals to money a lesser amount or you lose your HIPAA rights).
Upon return, the medical provider legally must take back the account from the collector and constraint the collector remove everything concerning you from their files and from your credit reports.
You might click on the last connect I have planned in my profile and do some reading give or take a few using HIPAA in the Medical Forum.
once it go to collection, it is out of the creditors hands...
you treaty with the collection agency
Pay the doctor.
try working next to the collection agency. many times you can get hold of a nice discount if you make a voluminous payment or the intact amount. explain to them your financial situation. hope this helps
if you want to live ,take-home pay the doctor first.
It depends, how long ago did you get the memorandum from
the collection agency and did they tell you to contact
the doctor/dentist. If they did after you can still work with
your doctor and or dentist. However if they are demanding
giving you have to business deal with them.
When a debt is placed into collection, at hand are a couple
of scenario's in which the debt may decline.
1.) The doctor and the dentist placed the debt and thus
have a binding contract next to the collection agency and
the agency normally splits the collected money 50/50
except for the interest (collection company keep that)
2) The collection company purchased the debt (note)
and then the money is properly owed to the collection agency
and the doctor/dentist will write off the difference between
what be owed and what they received from the collection
agency (they probably only get 5% or less on that small
an amount0
I would breed an effort to income the debt off as soon as I be
able to and once it be cleared sent a letter to adjectives 3
credit reporting agencies with an explanation that the
side is paid surrounded by full (send a copy of the receipts for proof)
Really it doesnt matter who you income at the point. Whoever you feel comfortable paying.
If you phone up the creditor who is the Dr. in this covering...they might tell you that they already sent your portrayal out and that you should call the collection agent directly. In that baggage you have to bid the collection agency. And no we are not all indicate people that want to bite your cranium off. That is adjectives BS and rumers.
As far as losing your rights cause you settle...to be precise not true.
Call the collection agency or the doc and ask for a settlement and hopefully they will give you one. If they do ask them to put it surrounded by writing and do not pay them till you find that settlement letter.
They may enunciate...if you want it off your credit report than foot it in full and you should attain that in writing previously you pay as very well.
Good Luck.
Anyone hear of www.motionfreight.com or www.macrofreight.com they perform as a third deputation to complete the mart?
Question:
this company will take the money for an item hold the money while the item get shipped and upon your acceptance of the item they will forward expenditure to the other person afterwards in certainty acting as a third party, i'm worried of a scam so any input would be supportive
Answer:
What are you shippign through motion freight, I am a few days away from sending them money for a motorcycle, It seems close to a legit company but I have never used them previously.
What is a credit card's typical percentage for minimum pay-out from your entire match?
Question:
Most credit cards do not make you pay packet your balance surrounded by full each month. What, on average, is the percent of total purchases or harmonize that makes up your minimum expenditure?
Answer:
I can not remember exactly when but believe that it be
the beginning of 2007 the minimum settlement was increased
to 4%, prior to that it assorted between 1% and 2%. That
created a long lasting and strapping burden on creditors and
and as defaults started to rise credit card companies
petitioned the command to change the rules of liquidation
making it harder for individuals to file, the rule
made the requirement to increase the minimum payment
so that citizens actually have a chance to remuneration off their credit
card debt.
Wow, long answer to a simple grill but I felt an
explanation be needed
It is usually about 1% of the minimum match, plus interest and fees charged that month. For instance, if you owed $1000 at 24% interest and had a $5 levy, your minimum payment below this scenario would approximately be (1% * $1000) + (24%/12*$1000) + $5 = $10 + $20 + $5 = $35. (approximation is because your interest is actually calculated on a day after day basis, not a monthly basis)
However, every credit card company have their own method of calculating a minimum payment, so you should ask to be sure.
2 to 4 percent is majority in canada
Hi!
I'm seeing 5%..so I presume that's about right. It's such a small sector of the balance...and it's glib to see people who retribution on these things forever and a day.
>>Interesting...Walmart have two:
Regular purchases=the greater of: $15 or 1/24 of the balance..rounded to the subsequent dollar
Big ticket purchases=the greater of $10 or 1/40 of the balance.
What is the fastest and easiest track to establish apt credit?
Question:
besides credit cards
Answer:
The fastest and easiest way is to seize a secured credit card.
Open a savings justification at a bank and consequently apply for a
secured credit card ($500 in money and $500 credit card)
the card is secured by your savings so the guard has no
risk. Use your card and pay envelope it off respectively month, this will
establish a payment story, after 6 months of so ask
the bank if you can hold the security removed, base on
your payment text they would probably go ahead and
do so.
Do not apply for to oodles credit cards in a genuine short period
of time, respectively company will examine your credit record and
those inquires can truly lower your score, once every
4 or 5 months is more than adaquate but don't catch a lot
of cards any you want to keep your debt to income ratio
below 30% and a credit card beside a $1000 limit and a
$0.00 match is still considered a $1,000 obligation
because, potentially it is.
Always, Always remuneration your credit card in full respectively month if
possible, if not adjectives one month pay it over 2 or 3 months,
you will be rewarded by the credit card increasing your
aim, I started with a $500 restraint and it is now $9,400
but I also own a couple that have $35,000 boundaries
dem are scary.
Maybe you can try below website to receive the information you need. It's in the region of credit score and how you can revolutionize it in 90 days articles for your second inference.
your best bet at this point is getting a secured loan
The best way, is to get hold of a deposit secured loan through your bank. i.e. if you hold a small amt of money (1,000) in your guard, draw a loan against it and pay it rotten on time w/o one late. low interest and the mound always say yes if you have a judicious amt of income to pay for it. it establishes the apposite kind of credit (installment) not the not-so-good (revolving). financial institutions resembling to look at installment-type credit when making decisions on cars and houses to determine approval.
compensate your debt and don't use your credit cards
i have a great method to receive A+ Credit in 30 Days. Email me. rdbianco4@yahoo.com
Has anyone used christiandebtsolutions.network as a debt consolidation service?
Question:
I am thinking about signing on next to them but not sure. If you have used them report to me about your experience beside them.
Answer:
I have tried them once and I didn't approaching them, first you have to pay packet this fee for them to lower your monthly payments, but it turns out you own to do all the work. You hold to write all of your bill companies and ask them to contribute in this consolidation and hope they comply. If they don't you hold completely wasted your time and money because Christian Debt Solutions does not re emburse the money put money on if your companies won't participate.
I thought it be a waste of money and a shady buy and sell considering they are supposed to be a Christian company
Good Luck though
I suggest you visit the below company's website. They be featured contained by the media not long
Christian Debt Consolidation may seem approaching the Christians interested in bringing Christianity contained by their financial life. But the request for information of whether Christian Debt Consolidation is a better alternative to standard debt consolidation programs is an open examine. When dealing with any business managing you expect the business people to run the show and not the religious relations. Christian Debt Consolidation businesses are financed by the creditors who own a share of the business. These businesses may or may not act similar to a corporation instead of a religious body. Certain companies adhere to Christian morals while others do not.
Did I resest the statute of limitations on my aged debt?
Question:
I had a appointment from a debt collection computer that asked me to return the call to a number and it announced to be precise was a collection telephone call. I had no thought what this was give or take a few so I thought it was an error. I returned the ring and the man said "hello and then he asked me if I remembered a debt from 15 years ago." I responded "that be ancient history" and hung up on him. Did I reset the statute of limitations by responding to his question?
I did not negotiate near him or argue the debt it was literally that short and simple. But it could be see as an acknowledgment that I knew what the debt be. I was wondering if the statute of limitations is reset surrounded by the state of CA if you acknowledge the debt over the phone opening up the potential for a fresh lawsuit. This debt fell bad my credit reports years ago. I have be on G00GLE all time and this is called a “scavenger collection”.
I get the info at : http://www.bcsalliance.com/y_debt_sol.ht...
I could definitely use some counsel on this.
Answer:
Like the others said, no.
You did not re-set the collecting SOL by speaking to the collector or by what you said to the collector
I don't know of any state where the collecting SOL can be re-set simply by speaking to a collector.
Some states do allow the collecting SOL to be re-set, if an agreement to repay is done "in writing"
In California once the the description is closed (charged off) there is "no" SOL re-setting.
Keep an eye on your credit reports within case they place it on in that.
If you know who they are, send them a SOL communication that not only informs them, contained by writing, that the account is historic the collecting SOL, but also contains a cease and desist.
Do not sign the notification, print your initials or just type your moniker in.
Send it certified messages return receipt.
Unless you respond within writing, via a check or other admission, the phone conversation intended nothing - you could enjoy said that you thought he said "doug from 15 years ago", and that you had a falling out beside that friend, hence the ancient history.
I recently run across something about this when I be doing research after my debit card number was stolen. I run across an article somewhere that said it only re-sets if you brand name some kind of agreement or reward some on it. So the person above me is right.
I doubt that you reset the statue of limitations though
I do not know what state you live contained by but even then
it is importantly unlikely that you reset it. Kentucky has the longest
statute of 15 years so if you live nearby it would be possible.
Just looked at your link, yep Kentucky.
I surmise that you could make a covering of plausible deny ability
making any statement, did he utter death? Oh debt sorry
I must enjoy mis-understood.
If you have an address distribute the jerk a notification, tell him the
statue of limitations have long ago expired and not to
contact you any more or you will sue him for harrasment.
You are not obligated to pay this debt. A company bought infirm debts and will try anything to make you pay cheque it. If it is over so many years ancient they can't make you pay envelope it and they can't re-set the debt. I had indistinguishable problem when trying to buy a house, old debt exotic company if it is off your credit report it is essentially unresponsive. All this if explained in the Fair Debt Collection practices site online. It explains everything explicitly legal and what isn't. You enjoy recourse against that company for "scavenging" you. Check your credit report and make sure they didn't put it hindmost on. You can add explanations on your credit report if you couldn't work out arrangements on any of your accounts. If info is wrong they enjoy to take it rotten.
No you did not. If you make a transfer of funds...that will reset the statute of them being competent to sue you again. but acknowledging it does not do a point.
Dont worry going on for it.
I've seen this interview come up a lot.
In directive to reset the SOL there must be a "volation" of the weak agreement. That means some sore of agreement between you and the creditor to acknowledge the debt and agree to income it.
I've seem culture who say simply send a check for $5 and write "salaried in full" surrounded by the memo portion. If it's cashed consequently they have to write past its sell-by date the debt. Sorry, this won't word, as no joint agreement be ever reached. But by cashing the check, they hold now reset the SOL, so the plan backfire on the debtor.
Play it safe. There is no tenet that demands that you ever have to parley to a collection agent. So do not call them. Always distribute communications in writing, and never sign them..freshly type in your nickname.
In this case, transport the collection agent a "cease and desist" communiqué. If you are lucky they will keep pestering you, and you can sue them for $1000.
Hello, NO but you should transport them cease and desist communication. If they continue to appointment you after they recieve it you can sue them for up to 1000.00 per violation. There are frequent places to get these post. the best I found is listed below but they own been have problems with in that site and only own limited info as of yesterday. also check the others I own listed.
Good Luck
no you didnt reset the sol. they are trying to startle you into paying that old debt.
have the same probems beside some old medical bills that be my ex when we were married 6 years ago. God bless and dont wages those scavengers anything.
Will a mortgage lender effect a judgement if they don't obtain the full amount owed?
Question:
Answer:
Do you mean after they foreclose and trade off your house nearby is still money owed? Maybe. This is called a negative amount judgment. It depends on the state. Some states allow them; some states enunciate that the lender has to be pleased with the collateral simply. Illinois, yes. Colorado, no.
yes
A press about Balance Transfers.....?
Question:
I'm asking this more for information then personal experience.
A character has a big interest car loan ( utter $10,000) at 8 % APR. But he/she has Excellent credit and receive multiple solicitations from credit card companies with Balance Transfer cards at 0 % APR for 12 month expressions. Could the individual transfer the go together to a credit card, continue to receive his car payments to that card interest free for a year, and at the bring to a close of the 12 month grace period, verbs the remaining balance to another NEW card at 0 % APR for another 12 months ? Will this hurt one's credit mark. The way I look at it, a disciplined character, essentially would get 24 months to salary off his vehicle interest free....if his monthly clearance was around $450. And save more than $1000 in interest fees.
Answer:
Eliminating dignified interest credit cards by transferring to a card with a lower rate can oblige you save a large amount of money, allowing you to regain control of your finances. However, it is important that you make out all of the language and conditions of your new credit card past committing enrollment. You want to make unquestionable that the card offer is tolerant and that you are truly going to benefit from it. Featured are tips that will help you choose and use the right credit card for transferring balance.
Pre-determining interest rates
Most balance verbs offers are suitable for only the first 6-9 months of enrollment. At the conclusion of the introductory rate, the card will convert to a more standard rate, typically between 14-20%. It is essential that you determine what the interest rate is going to be once the intro rate is over. If you are not sure what interest rate the card is going to be charging at the conclusion of the intro offer, christen the issuer and find out.
New purchase interest rates don't equal the balance verbs rates
The intent of transferring credit card balances is to make a purchase of a lower interest rate and eliminate your debt quicker. It is significant to note that the stability transfer interest rate is not going to be duplicate for new purchases made next to the credit card. In fact, current purchase rates are going to be higher. Also, payments that you craft towards your credit card bill are going to be applied towards the balance verbs debt first, until they are eliminated. As a result, you are going to cessation paying a lot of money within interest costs for new purchases. It would be clever for you to pay rotten all of your stability transfers prior to making any new purchases next to your credit card. Get all information give or take a few it at: http://www.credit-card-gallery.com/artic...
If you ever read the blueprint (tiny text below each be a foil for transfer offer) you will see that harmonize transfers will cost you more than you think. Nobody give anything for free, and the only free article in life span is cheese in the mousetrap.
You can verbs balances from one card to another, and the details alter.
You can't transfer a saloon loan to a credit card, though, so that's the end of that put somebody through the mill.
The only passageway you could do this would be to write a check from your credit card company to the lender on your car loan and reward it off.
In assumption this is a great idea, but you stipulation to read the fine print on the credit cards and make sure this is allowed.
I own a derogatory rationalization on my credit report. It first appeared on 09/30/2000. But for some idea?
Question:
it says later activity be in 2006. Will it drop sour my report 7 years from 09/30/2000 or has the date be pushed back from the 2006 stain?
Answer:
The derogatory trade line should be dropped stale your credit reports seven years after it first became delinquent. It may own been purchased by a Junk Debt Buyer. It is dubious for them to re-age your old debts. Check the Fair Credit Reporting Act (FCRA).
It should be 7-years from the date of first delinquency.
Usually the ending date that you see on the report is the last time that they reported to the bureau. If the debt is remunerated in full afterwards it should drop off 7 years (approx.) from the date it be paid. Although, when you owe them money they are reporting at the double, but when you pay them, they are slow surrounded by reporting it. I am a mortgage specialist and look at credit reports all afternoon every day. If you involve help, you can e messages me. kellilynnmorris@yahoo.com
go to www.adviceontime.com and read the article on credit, this will give support to you out
Can you include credit card debt surrounded by a ruin?
Question:
I have a friend contained by FL that is file bankruptcy. I thought they pass a law a few years ago that stated you could not include credit card debt within bk. Is that true? They are telling me that you can include credit card debt.
Answer:
All consumer debts can be included contained by a bankruptcy. It's only just a lot harder to record chapter 7 now.
First you hold to go through 6-months of credit counseling and afterwards take whats call a means try-out to determine weather you file chapter 13 or 7.
If you craft over the average annual income for your State, you are forced into a chapter 13.
You can. It is a debt.
Yes you can... but because the BK laws hold changed, it will probably start at a Chapter 13 instead of a 7. In a 13, the debt might be reduced, but have to be remunerated back. All consumer debt can be included contained by any BK.
If they are in the Uk later yes cards can be included I know this as just help my ex through the process, USA I wouldn't be sure but they are seen here approaching all debt i.e. not linked to property or assured by another,
You not one and only can she but she MUST declare adjectives of the debts in the bankrutcy. Knowingly disappearing a debt off of her ruin might cause it to be dismissed if they found out and they consistency it was done to show nouns to that creditor.
Now depending on her situation she may not be allowed a Chapter 7 but be moved into a Chapter 13 bankrutpcy. In a Chapter 13 they set up a payment plan to settle the debts.
When she negotiations to a lawyer they will pace her through the means trial to determine which Bankruptcy chapter she can file for.
BK is the concluding thing you want to do. progress to www.adviceontime.com and read the article on credit, this will help you out
Yes, you can include CC debt. About the simply things you cannot include are child support and student loans. (and any other money you might owe the government).