July 6th, 2012?Bankruptcy should be used by more people unless you can find a way to drastically increase your income, says bankruptcy expert, James Bracco, whose website http://www.bankruptcyincalifornia1.com is aimed at people who have not previously considered bankruptcy as way of solving their crippling debt crisis.
Contrary to popular belief, bankruptcy is private, inexpensive and quick and easy. The site details all the things that you never knew and were too afraid to ask and things ?they don?t want to tell you?; it is packed full of highly useful information, tips and advice on approaching bankruptcy as a positive step towards regaining control over your finances and your life.
Going bankrupt will remove your debt and, most importantly, stop debt collectors calling at your door. What is not commonly known is that Californian Bankruptcy Laws include very generous exemptions, allowing you to keep your home and your car.
James Bracco writes from a personal perspective, having lost his business in the current recession. Being a businessman he knew not to let his emotions influence this decision and the result was that going bankrupt made his life much better, much faster, than it would have been had he continued trying to hang on to it. As a trained economist, he now uses this experience to help others going through the same process, stressing the fact that many, many people are suffering in silence and that you are not alone in going through financial meltdown.
California bankruptcy Laws have very generous exemptions. These exemptions allow you to keep $25,000 worth of personal property and this can be used however you want to apply it.
James easily puts the visitor?s mind at rest explaining how credit is easy to repair: ?Bankruptcy in California is the best thing anyone can do if you are struggling to make payments on things that are no longer worth near the amount that is owed on them,? says James.
Bankruptcy is one field where attorneys will offer free consultations where they give you real advice on how to solve your problems.
Alternatively, says James, you should focus on cutting your expenditure and engineering a lifestyle where you can keep going for several years so you can eventually pay off your debts and then resume a more comfortable lifestyle. Negotiate payments with debtors and come to some arrangement. Credit Counseling will allow you to attend a counseling session, and your credit counselor will often be able to work out a reasonable payment program with your debtors.
On the other hand, given that you will be discharged from bankruptcy after three years, you can stash a little cash and be debt-free, rather than struggling to keep up payments on assets that could take many years to recover their value, bankruptcy makes positive sense.
For further information visit: http://www.bankruptcyincalifornia1.com
In trouble and need help? Contact:
James Bracco
2885 Sanford Ave SW #17828,
Grandville, MI 49418
Source: http://www.freepressreleases.com/learn-home-car-generous-californian-bankruptcy-laws/188941
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