Consoladating bills

The potential underwriting risk that you present to a new lender is measured in conjunction with your credit score and will now have to incorporate that you have the chance to begin adding to your credit card balances again.

The real questions to be answered are: Why do you have such a large amount of credit card debt?Some of your property may be sold by a court-appointed official — a trustee — or turned over to your creditors.The new bankruptcy laws have changed the time period during which you can receive a discharge through Chapter 7.Another major change to the bankruptcy laws involves certain hurdles that you must clear before even filing for bankruptcy, no matter what the chapter. Also, before you file a Chapter 7 bankruptcy case, you must satisfy a “means test.” This test requires you to confirm that your income does not exceed a certain amount. Read more on dealing with debt from the FTC or contact the AFSA’s Education Foundation at 1-888-400-2233 for more credit and money management information.You must get credit counseling from a government-approved organization within six months before you file for any bankruptcy relief. The amount varies by state and is publicized by the U.

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