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	<title>Comments on: Steps On How To File For Personal Bankruptcy</title>
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	<link>http://www.newhorizon.org/credit-info/steps-on-how-to-file-for-personal-bankruptcy/</link>
	<description>Information to help you improve your credit</description>
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		<title>By: C.Angel</title>
		<link>http://www.newhorizon.org/credit-info/steps-on-how-to-file-for-personal-bankruptcy/comment-page-1/#comment-104</link>
		<dc:creator>C.Angel</dc:creator>
		<pubDate>Thu, 16 Apr 2009 23:33:33 +0000</pubDate>
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		<description>I considered filing bankruptcy last year.  Each attorney I spoke to seemed to have a different take on my situation.  I think filing bankruptcy might be a case by case type of action that differs depending on your situation.  I read an article called Negotiate Your Debt Like A Professional and my sisters took turns calling my creditors.  I did have to sign a power of attorney and we DID NOT tell them they were my sisters since they have a different last name.  They thought they were dealing with debt counselors that were helping me.  I settled all but 3 of my accounts.  Avg was for 35 - 40% of what I owed.  Only one company was willing to remove their line from my credit report which was disappointing, but the others did change from delinquent or charged off to settled as agreed.  The other 3 I&#039;m just going to leave they were small and over 4 years.  Just 3 more years and they will fall off anyway.</description>
		<content:encoded><![CDATA[<p>I considered filing bankruptcy last year.  Each attorney I spoke to seemed to have a different take on my situation.  I think filing bankruptcy might be a case by case type of action that differs depending on your situation.  I read an article called Negotiate Your Debt Like A Professional and my sisters took turns calling my creditors.  I did have to sign a power of attorney and we DID NOT tell them they were my sisters since they have a different last name.  They thought they were dealing with debt counselors that were helping me.  I settled all but 3 of my accounts.  Avg was for 35 &#8211; 40% of what I owed.  Only one company was willing to remove their line from my credit report which was disappointing, but the others did change from delinquent or charged off to settled as agreed.  The other 3 I&#8217;m just going to leave they were small and over 4 years.  Just 3 more years and they will fall off anyway.</p>
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		<title>By: Jamie94</title>
		<link>http://www.newhorizon.org/credit-info/steps-on-how-to-file-for-personal-bankruptcy/comment-page-1/#comment-164</link>
		<dc:creator>Jamie94</dc:creator>
		<pubDate>Thu, 01 Jan 1970 00:00:00 +0000</pubDate>
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		<description>Can I file bankruptcy to clear a judgment that has been placed yet?</description>
		<content:encoded><![CDATA[<p>Can I file bankruptcy to clear a judgment that has been placed yet?</p>
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		<title>By: Jamie94</title>
		<link>http://www.newhorizon.org/credit-info/steps-on-how-to-file-for-personal-bankruptcy/comment-page-1/#comment-165</link>
		<dc:creator>Jamie94</dc:creator>
		<pubDate>Thu, 01 Jan 1970 00:00:00 +0000</pubDate>
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		<description>Can I file bankruptcy to clear a judgment that has been placed yet?</description>
		<content:encoded><![CDATA[<p>Can I file bankruptcy to clear a judgment that has been placed yet?</p>
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		<title>By: KristenJames</title>
		<link>http://www.newhorizon.org/credit-info/steps-on-how-to-file-for-personal-bankruptcy/comment-page-1/#comment-191</link>
		<dc:creator>KristenJames</dc:creator>
		<pubDate>Thu, 01 Jan 1970 00:00:00 +0000</pubDate>
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		<description>If I declare personal bankruptcy can i still keep business?

</description>
		<content:encoded><![CDATA[<p>If I declare personal bankruptcy can i still keep business?</p>
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		<title>By: thomas987</title>
		<link>http://www.newhorizon.org/credit-info/steps-on-how-to-file-for-personal-bankruptcy/comment-page-1/#comment-205</link>
		<dc:creator>thomas987</dc:creator>
		<pubDate>Thu, 01 Jan 1970 00:00:00 +0000</pubDate>
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		<description>great information about how to file for bankruptcy. i got also a great information from onlinebkassist.com about filing a bankruptcy without attorneys fees. if you want to know more about this company just go to there website.</description>
		<content:encoded><![CDATA[<p>great information about how to file for bankruptcy. i got also a great information from onlinebkassist.com about filing a bankruptcy without attorneys fees. if you want to know more about this company just go to there website.</p>
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		<title>By: jiim</title>
		<link>http://www.newhorizon.org/credit-info/steps-on-how-to-file-for-personal-bankruptcy/comment-page-1/#comment-209</link>
		<dc:creator>jiim</dc:creator>
		<pubDate>Thu, 01 Jan 1970 00:00:00 +0000</pubDate>
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		<description>Seek credit counseling. In the past, a person who decides to file for bankruptcy can just fill out an application and submit. However, since the amendment of the bankruptcy law, this decision is not up to the individual anymore.</description>
		<content:encoded><![CDATA[<p>Seek credit counseling. In the past, a person who decides to file for bankruptcy can just fill out an application and submit. However, since the amendment of the bankruptcy law, this decision is not up to the individual anymore.</p>
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		<title>By: abshandra</title>
		<link>http://www.newhorizon.org/credit-info/steps-on-how-to-file-for-personal-bankruptcy/comment-page-1/#comment-222</link>
		<dc:creator>abshandra</dc:creator>
		<pubDate>Thu, 01 Jan 1970 00:00:00 +0000</pubDate>
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		<description>declaring bankruptcy is really bad for your business. Even if you can start all over again, it is not easy to get your reputation back. Most of your business partners will think twice if they know you ever filing bankruptcy. It is better to avoid bankruptcy, since it is really bad for business. So, what you need to do is better planning and be wise in management. But, if you believe there are no other ways, you may file for bankruptcy. </description>
		<content:encoded><![CDATA[<p>declaring bankruptcy is really bad for your business. Even if you can start all over again, it is not easy to get your reputation back. Most of your business partners will think twice if they know you ever filing bankruptcy. It is better to avoid bankruptcy, since it is really bad for business. So, what you need to do is better planning and be wise in management. But, if you believe there are no other ways, you may file for bankruptcy.</p>
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