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Bankruptcy

What Is Chapter 7 Bankruptcy?

In this article:

  • 新政十日:新房二手房交易猛增 房贷市场升温
  • n. 繁荣,兴旺
  • 今年楼市如何?政府工作报告定了主基调
  • 北京将严查个人贷款资金违规购房
  • Jamil Anderlini
  • 京城家具产业转移面临选择难题
  • 本周二,高等教育研究机构Quacquarelli Symonds(QS)公布的最新《QS世界大学学科排名》显示,中国约有88所大学的学科进入全球400强。
  • 出租房乱象丛生 北京山东等地正拟定相关政策
  • Life After Bankruptcy

Chapter 7 bankruptcy, also known as a straight or liquidation bankruptcy, is a type of bankruptcy that can clear away many types of unsecured debts. If you're far behind on your bills and don't have the means to afford monthly payments and living expenses, filing Chapter 7 bankruptcy could be a last resort to help you reset your finances. However, you may have to give up some of your possessions, and it will have a long-lasting negative impact on your creditworthiness.

How Does Chapter 7 Bankruptcy Work?

When you file for Chapter 7 bankruptcy, the court places an automatic temporary stay on your current debts. This stops creditors from collecting payments, garnishing your wages, foreclosing on your home, repossessing property, evicting you or turning off your utilities. The court will take legal possession of your property and appoint a bankruptcy trustee to your case.

公司确实有一个“黑名单”。不过不是真的写出来的列表,但是只要有机会,他们就想把“黑名单”上的人炒掉。如果你觉得自己常被无视,或是总是被分到些苦差事,或是老板无视你,或是调你的办公室,那么你有可能在“黑名单”上。
Reality Competition Program: “The Voice” (NBC)
[m?:'t?liti]
洛德《情景剧》
希萨柯既是一位不可或缺的政治导演,也是当代电影中的伟大诗人之一。他为北部马里圣战者管辖之下的生活所绘的图像既残酷又惊人,但也温柔、慷慨儿惊人的有趣。希萨柯并没有把暴力极端分子人性化,而是展示出,他们已经成了这种人,也反映出我们身上普遍的、悲剧的天性。但他的影片还坚持认为,反对狂热主义,唯一有效而且道德的方式就是人道主义。他以反讽而正直的方式言说了这一观点,或许最重要的是,以艺术的方式言说了这一观点。
The discovery has caused huge excitement among historians, as it provides firm evidence about a monarch whose life has been shrouded in controversy since his death at the Battle of Bosworth in 1485.

Such claims are unlikely to go away, though. John R. Christy, an atmospheric scientist at the University of Alabama in Huntsville who is known for his skepticism about the seriousness of global warming, pointed out in an interview that 2014 had surpassed the other record-warm years by only a few hundredths of a degree, well within the error margin of global temperature measurements. “Since the end of the 20th century, the temperature hasn’t done much,” Dr. Christy said. “It’s on this kind of warmish plateau.”
If Dwyane Wade lost 30 pounds of muscle, you wouldn't be able to tell him apart from the high school version of himself.
《小谎大事》
If you think Kevin Durant is scrawny now, just take a look at his tiny physique back when he played at Montrose Christian.
Month-on-month producer prices rose 0.7 per cent, up from 0.5 per cent in September.
There are two concerns about taking a so-called survival job. It could distract you from your job search, and potential employers may have trouble envisioning you in your previous professional role.

At the end of the process, approximately four to six months from your initial filing, the court will discharge your remaining debts (meaning you don't need to pay them anymore). However, some types of debts generally aren't dischargeable through bankruptcy, including child support, alimony, court fees, some tax debts and most student loans.

What's the Difference Between Chapter 7 and Chapter 13 Bankruptcy?

Chapter 7 and Chapter 13 are the two common types of bankruptcy that affect consumers. Either could help when you don't have the means to pay all your bills, but there are important differences between the two.

这些专家都不是轻量级的。杰出的历史学家玛格丽特?麦克米伦(Margaret MacMillan)在2013年12月的一篇为布鲁金斯学会(Brookings)撰写的文章中说:“像1914年的世界一样,我们正在经历国际权力结构的转换,新兴大国正在挑战老牌大国。”她补充说,“如今,同样的一幕正发生在美国与中国,以及中国与日本之间”,同时她还表示,“中国与它另外两个邻国——越南和马来西亚——也有爆发冲突的可能性。”
推进国际贸易和投资自由化便利化。
Some of these people have instead reached for issues that feel close to their concerns: trade, crime, the war on drugs, controlling the borders, fear of Islamist terrorism. All are significant in their own right, and create very real fears for many people, but they have also become a means to have a public conversation about what society’s changes mean for white majorities.

毫无疑问,全世界的肠胃病学家都会感谢Emmanuel Ben-Soussan和Michel Antonietti,因为他们的研究给出了医生该如何进行结肠镜检查的推荐,从而让他们的病人发生气体爆炸的可能性降至最低。
A sub-index tracking activity at larger enterprises softened 0.7 points to 53.1, while mid-sized companies fell 1.3 points to 49.9, indicating slight contraction. That for smaller manufacturers fell 0.4 points to 49, indicating worsening contraction.
到底有哪些行业急需专业人才?说起这个问题,你可能怎么也不会想到“供应链管理”:这是一项复杂的幕后工作,负责将货物从甲地运到乙地,不仅要准时,还不能超支。
大学的工作人员表示这封信已经伴随学校的意见T恤一起送往Siddeeq先生了。
全球缓慢的经济增长并不会很大程度的拖累美国。美国的出口额虽然可能持平甚至下降,但是这将会被由于油价下降的石油进口额抵消,所以贸易赤字并不会给美国经济造成更进一步的影响。

A court will approve the Chapter 13 repayment plan, which usually lasts three to five years, and your trustee will collect your payments and disburse them to your creditors. Once you finish the plan, the remainder of the unsecured debts is discharged.

Who Qualifies For Chapter 7 Bankruptcy

n. 会议记录,(复数)分钟

  • You generally must complete an individual or group credit counseling course from an 家居行业成立创新设计联盟 within 180 days before filing.
  • We learned about the power of human ingenuity in our solar system’s deep reaches.
    This year, the average sales price for an apartment in New York City topped $1 million, a milestone with far-reaching implications. As the city’s population soars, prices and buildings are rising in neighborhoods that missed the last housing boom.
    adj. 忙碌的,使用中的,订婚了的
    5. Starbucks. Brand love: 26% / Social Business Index Rank: 26
    Eleven James:
    10、日本8.5级地震
  • "He was not on the intelligence services' radar," added the prime minister.
  • The state-sponsored purchasing managers' index fell from 50.8 in October to 50.3 in November, the lowest reading since March. Any level above 50 indicates expansion.
  • Take targeted policies to cut excess urban real estate inventory
    Apple Inc., Alphabet Inc.'s Google, and Coca-Cola Co. topped the list of the world's 100 most valuable brands in 2016, while technology and automotive brands dominated the overall rankings, according to a new report from brand consultancy Interbrand.
  • a不,非,mnes记忆-不记仇-赦免
    “The US economy is likely to grow by 3 per cent plus this year as well as next year.
    Trium的学员重视与资深和国际高管一同学习的机会。一位学员表示:“它允许我们彼此交流(想法),获得和课程本身一样多的额外知识。”
    这是自从2011年以来谷歌首次荣登榜首。

What Debts Are Discharged in Chapter 7 Bankruptcy?

BABYLON (Sundance, Thursday) James Nesbitt, recently seen as the obsessed father of a long-vanished child in “The Missing,” shows up here in a very different role: as a calculating old-school police commissioner who hires an American public-relations expert (Brit Marling) to update the image of Scotland Yard. Danny Boyle (“Slumdog Millionaire”) created this satirical drama, which bears some resemblance to Armando Iannucci’s political comedy film “In the Loop.”
I expect more companies to develop leaders who know how to manage networks — not just the traditional internal network of employees, but more loosely connected webs of suppliers and contractors, managed remotely via the internet and social media.
[l?un]
你的老板很差

许多人对此不屑一顾,《纽约每日新闻》采访到的一位营养师声称,黄金披萨中最昂贵的成分:厄瓜多尔进口黄金薄片缺乏营养价值。

  • Child support
  • Alimony
  • Student loans
  • Some tax debt
  • Homeowners association fees
  • Court fees and penalties
  • “世界各地的政策制定者认识到美联储的决定将产生什么影响,为此忧心忡忡,这让我们担心,”百达资产管理公司(Pictet Asset Management)全球新兴债券部门主管Simon Lue-Fong表示。“人们在说美联储的决定已被反映到价格上,但既然没人知道究竟会发生什么,这怎么可能呢。”
  • 家居建材涨声一片,是否又演“狼来了”

中国人民勤劳智慧,有着追求美好生活的不竭动力,政府就是要创造环境,让人民群众创业创新的热情持久不衰。
Such insights are of particular interest to litigation funders, who back claimants in return for a cut of damages and who try to assess the likely outcomes of disputes before committing their money. But that may have to be 2019’s breakthrough, or probably beyond.
I don't know about you, but if I had a separate calendar for work, school and life, I'd be a complete mess. When everything in your life is on one calendar, in one planner, you can't double-book anything. You know, like an important test and a dinner with your boss.
单词virtue 联想记忆:

Additionally, a Chapter 7 bankruptcy may discharge the debt you owe on secured loans. Secured loans are those backed by collateral, such as your home for a mortgage, or when a creditor has a lien on your property. However, even if the debt is discharged, the creditor may still have the right to foreclose on or repossess your property.

What Do You Lose and What Can You Keep in Chapter 7 Bankruptcy?

France, along with Belgium, has seen the largest numbers of volunteers leaving to join the Islamic State jihadist group, which has seized large parts of Syriaand Iraq.
Casual games--simple games such as card games--take second place with three ranked among the top 10 game list, while Web page games--such as Tencents' QQ games--are emerging as a new growth area. According to the report, by the end of Octover 2009, there were 1.54 million users playing the top five Web page games, with each user playing for an average of 30 minutes a day.

Professor Ivarsflaten cited the U.K. Independence Party, whose official platform focused on Brexit but whose pitch to voters emphasized immigrants’ effects on the economy and culture, as an example of an effective hybrid populist pitch.

  • 像搭积木一样造房 沪扩大推广装配式建筑
  • Up to $4,000 on a vehicle
  • Up to $1,700 in jewelry
  • 我们的外汇储备是充裕的,是足以支付进口和满足短期偿债需要的。
  • TextPride was a fine business, but a tiny one. Meanwhile, the market for messaging apps was exploding. Facebook FB 0.61% bought WhatsApp for $19 billion; that service now has 700 million monthly active users. Tango, an app with 250 million registered users, is worth $1.5 billion. Kik has 200 million registered users. Snapchat, worth $10 billion, has 100 million users. A new study, commissioned by Kik, shows that U.S. users now spend more time on average in messaging apps than they do on social networking apps. The only problem? These messaging apps need ways to make money, and there’s no reasonable way for advertisers to wedge themselves into conversations between friends.
    With a growing need for someone to block and tackle Apple’s raiders and (given its tax investigation in Europe) regulators, Mr Cook’s focus on people, strategy and execution — rather than products — finally started to look like an advantage.
  • We also do not want any trade war with others and we have stuck to reform of the yuan's exchange rate formation mechanism to keep it basically stable at reasonable and equilibrium levels.
  • “渠道+资本”风席卷LED产业 照企能否在危机中求机遇?
  • Alimony and child support
  • Certain insurance benefits
  • “The new money is interested in old masters, but it wants what Duveen sold to the robber barons. It wants names,” said Hugo Nathan, a co-founder of the London advisers Beaumont Nathan. He was referring to Joseph Duveen, the British art dealer who was responsible for bringing many great works of art to the United States.

Benchmark oil prices dropped below $40 a barrel last week, the lowest level in six years, darkening investor sentiment towards commodity-linked companies and exporting countries including Brazil, Russia and South Africa.
在这6所美国学校中,新泽西的罗格斯商学院(Rutgers Business School)是排名最高的新上榜学校,排名第70。亚利桑那州立大学凯瑞商学院(Arizona State University WP Carey School of Business)是排名最高的重新上榜学校,排在第57位。南卡罗来纳大学(University of South Carolina)摩尔商学院(Moore School of Business)重新上榜,排名第77。摩尔商学院令人瞩目地在国际课程体验排名居首,其学员的海外学习时间从几个月到1年。
有趣的是,一项调查发现,31.8%的受访者认为北京是中国最拥堵的城市,而8.8%的人则认为郑州是中国最拥堵的城市。
Summly and Yahoo refused to comment on the deal’s terms.
adj. 笨拙的,尴尬的,(设计)别扭的

单词tunnel 联想记忆:
经理们在公司会管理等级制度上低于他们的人,但是优秀的经理也有方法管理他们的上级和代表团队的同事。很多时候这意味着有效的交流,管理期望和及时寻求帮助。

1.Rain Man
It was the age of wisdom, it was the age of foolishness…
Chinese people are intelligent and hardworking and they have an inexhaustible drive for pursuing a better life for themselves. The government needs to create the enabling environment for our people to fully use their talent and initiative.
新画像将取代美国首任财政部长亚历山大·汉密尔顿的画像。自上世纪20年末以来,10美元钞票上一直印有汉密尔顿的画像。新版10美元钞票将在赋予女性选举权的宪法修正案正式通过100周年之际开始发行。
Comic skit “Dance If You Like” (Cai Ming and Pan Changjiang)
Subdivided flats smaller than 100 square feet (9 square meters) can rent for $385 in the Asian city.
London Business School (LBS) performed strongly across all five rankings. All of its programmes are in the European top 10, including its full-time MBAs, ranked second, and its joint EMBA programme (taught with Columbia Business School in the US) and customised executive education courses, both in fourth place.

从碧昂丝和珍妮弗·洛佩兹的红毯着装来看,“短”是这次娱乐盛典的主题。这两位女歌手都选择及大腿的裙子来露出她们的美腿,策略性地减去领口,并注重肩膀的细节设计,但碧昂丝选择穿消防车红色从中脱颖而出,而珍妮弗·洛佩兹选择了柔和的有缎子般光泽的褐土色。
5. Bank of America Corp.
New York City, now ranked seventh, has gone up 15 places since last year. It has seen a big jump in costs over recent years, moving up 42 spots since 2011.

When you're behind on your payments, your creditors can still foreclose on your home or repossess your vehicle once you complete the bankruptcy process. If you want to keep possessions that are securing your debts, you may have to continue making payments on the loan (if you're not already behind) or pay the full price to purchase the item.

How Long Does Filing a Chapter 7 Bankruptcy Take?

Last year, the Education Ministry issued a booklet warning Korean high school students of 'plastic surgery syndrome', citing Michael Jackson and a local woman whose addiction to plastic surgery left her with a grotesquely swollen face.
The new data released yesterday represent the first snapshot of global trade for 2015. But the figures also come amid growing concerns that 2016 is already shaping up to be more fraught with dangers for the global economy than previously expected.

Your case could take longer, however, such as when the trustee asks you to submit additional documents or if they have to sell your property to repay creditors. Or, perhaps you want to try to get your student loans discharged in bankruptcy. It's possible, but difficult, and can require a lengthy trial.

How Long Does a Chapter 7 Bankruptcy Stay on Your Credit Report?

A Chapter 7 bankruptcy is a major derogatory mark that can hurt your credit for years to come. The Chapter 7 bankruptcy record can stay on your credit reports for up to 10 years from the filing date, and a completed Chapter 13 bankruptcy can remain on your credit report for seven years from the filing date.

The accounts that were included in your bankruptcy may fall off your credit report earlier, as most negative marks get removed after seven years.

How to File for Chapter 7 Bankruptcy

The rise of ephemeral social networks
This ranking measures the quality and breadth of the schools’ postgraduate programmes. It is based on their performance in the four main rankings published by the FT each year: MBA, Executive MBA, Masters in Management and Executive Education. Only schools that take part in all four rankings are eligible for a full score.
Chances are if you are lucky enough to have a job, the thought of quitting sounds ridiculous. With the unemployment rate at an all time high, most people are thanking their lucky stars to be employed.
8. Trang Islands, Thailand-The islands of Trang, a sleepy province in southeast Thailand, have remained under the radar. Wooden longtail boats can be rented to travel between the islands—and to see the endangered dugongs.

  1. Attend counseling: It starts with an individual or group credit counseling course from an approved credit counseling agency, which may take place online or over the phone. You must do this within 180 days of filing, although there are sometimes exceptions during emergencies or if there aren't enough approved agencies offering the service.
  2. File your forms: On your bankruptcy forms you'll list your property, exemptions, creditors, income, recent transactions and other financial information. If you have secured debts, you'll need to decide whether you want to pay off the debt, continue making payments or surrender the property to the creditor. There's a fee to file the forms, although you can also request a fee waiver based on your income.
  3. Send verification documents to the trustee: Once the court accepts your filing, you'll need to send documents to the bankruptcy trustee who will verify your bankruptcy forms. These could include recent bank statements, tax returns, paychecks and business documents.
  4. Creditor meeting: Attend the creditor meeting with the trustee and answer questions about your paperwork and situation. The meeting is often brief, and your creditors may choose not to attend.
  5. Attend budget counseling: Within 60 days of the creditor meeting, you must complete a second course from a counseling agency. Don't forget to submit your certificate of completion to the court, or the court may close your case.
  6. Wait for the discharge notice: Once the court receives your certificate of completion, and often within 60 to 75 days of the creditor meeting, it can discharge your debts. During this time, you might have to give the trustee your nonexempt property, but don't sell or give anything to anyone else you have the trustee's permission.

Life After Bankruptcy

Filing bankruptcy can be financially, physically and emotionally draining. However, it may be your best option when bills keep piling up and you don't have the means to pay your creditors. It's also possible to recover from bankruptcy and rebuild your finances and credit, but it will take time.

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