Tag Archives: Bankruptcy

Top 5 Bankruptcy Facts

< object type =" application/x-shockwave-flash "style= "size:425 px; height:355 px;" information ="// www.youtube.com/v/GBzeOpWQUZk?color2=FBE9EC&version=3&modestbranding=1" >< param name=" movie" value="// www.youtube.com/v/GBzeOpWQUZk?color2=FBE9EC&version=3&modestbranding=1"/ > You could wager your lower dollar these facts will certainly be interesting– if you have one left, that is! Welcome to WatchMojo’s Top 5 Facts. In this installment, we’re counting down the 5 most fascinating facts concerning Insolvency. Pointer Device ► ► http://www.WatchMojo.com/suggest Subscribe ► ► http://www.youtube.com/subscription_center?add_user=watchmojo Facebook ► ► http://www.Facebook.com/WatchMojo Twitter ► ► http://www.Twitter.com/WatchMojo Instagram ► ► http://instagram.com/watchmojo Network Page ► ► http://www.youtube.com/watchmojo. In this installment, we’re counting down the 5 most fascinating realities about Personal bankruptcy. Unique thanks to our users AXHP or submitting the suggestion utilizing our interactive suggestion tool at http://www.WatchMojo.com/suggest. Want a WatchMojo mug, mug, tee shirts, pen, sticker as well as also a water bottle?

Get them all when you order your MojoBox present set below:. http://watchmojo.com/store/. WatchMojo is a leading manufacturer of reference online video clip web content, covering individuals, Places

as well as Trends you respect. We upgrade DAILY with 4-5 Top 10 checklists, Beginnings, Biographies, Versus clips on movies, computer game, songs, pop culture and even more!< object type=" application/x-shockwave-flash" design=" width:425 px; height:355 px;" information= "// www.youtube.com/v/dK7AjZ6enAU?color2=FBE9EC&version=3&modestbranding=1" >< param name=" film" value="// www.youtube.com/v/dK7AjZ6enAU?color2=FBE9EC&version=3&modestbranding=1"/ >< img alt=" Insolvency Introduction" src=" http://freecreditreportgov.co/wp-content/uploads/2017/05/default-5.jpg"/ > This academic video offers an

Bankruptcy Overview

introduction of bankruptcy law. This video provides lawful info and illegal guidance. If you need lawful suggestions, please get in touch with a lawyer. To obtain more details or to call the local legal
aid program for aid, see LawHelp.org.

The Harsh Realities About the Impact of Personal Bankruptcy

personal bankruptcy
by Net Archive Book Images

While several do unknown this before making their decision to apply for bankruptcy, a discharged bankruptcy features serious repercussions in both your personal and also expert life.For a great deal of people with a great deal of financial debt, individual insolvency could seem like a preferred option, particularly when financial debt and debt enthusiasts are calling and making bothering remarks. While personal bankruptcy may promise to be an easy fix to the calls and also sleepless nights, you should never rush right into personal bankruptcy. Although it could finish the phone calls, it often shows to be the biggest error that prior bankrupt customers ever before make.Personal bankruptcy includes severe consequences, both to your individual and also financial life. Right here are some of them: Because personal bankruptcy is essentially a liquidation of properties, applying for personal bankruptcy places your assets at threat. This consists of homes, shares, individual belongings. These things can be marketed by the trustee to settle impressive debts.While current properties are clearly in danger, a lot of individuals do not realize that future

properties such as inheritance loan could likewise be subject to insurance claims by creditors.Besides the above, the influence of personal bankruptcy impacts the individual’s future credit scores condition too.
An undischarged insolvent can not function as a business director as well as would certainly not be allowed to acquire more debt till his instance is rejected by the court.Taken one action further, a bankrupt individual could not have a direct or indirect monitoring setting in a business and can not end up being a therapist, magistrate, MP, or an Estate Representative. While this may not look like a huge bargain, insolvent individuals can not hold positions as college or college governors and also can not function at safety companies or in the civil services.What is likely the harshest influence of personal insolvency is something that comes after the insolvency notice is promoted.

Given the general public nature of bankruptcy, the debtor’s name as well as individual organisation dealings are in jeopardy. Unlike companies who could operate under different brand name, people have simply one name. And also because insolvency are openly readily available, anyone can access the information of your bankruptcy.Personal insolvency will certainly have an influence on your track record. With your economic affairs being checked out in an open court, the process will not just prove to be
extremely stressful, however others have found the entire experience instead humiliating.Apart from all the above, bankruptcy likewise plays mayhem with the here and now economic problem of the borrower. He would have to incur substantial court and also insolvency charge for the entire procedure.If you are seriously taking into consideration personal bankruptcy as a choice to remove your individual debt, review as much details as feasible prior to consulting with a trustee. There is plenty of info readily available on the issue online. Chris has a debt-free blog that intends in order to help people with< a rel="nofollow"href ="http://www.howtorepaydebt.com"> Financial debt Trouble at The best ways to Repay Debt. com.

The Dynamics of Stopping Foreclosure by Filing for Bankruptcy

bankruptcy
by Net Archive Book Images Every person has those minutes when they are

damaged-even the most affluent of individuals on this world. They are not exactly moneyless yet instead their cash is with another person. Nonetheless, when you have fundings and also you are incapable to pay them, you have to face that you are broke. This is by applying for insolvency. Allow it be recognized right from the beginning that this is not the only method to obtain out of financial obligations. Actually, it is not the very best way to get from debt. When you wish to quit repossession, it is among the ideal though. Several individuals wish to recognize ways to stop repossession New York City by declaring bankruptcy. The dynamics of this procedure are not so clear. As such, a bulk of people choose to set about the process on their own. It is worth discussing that the most vital thing in a bankruptcy instance is to obtain in touch with an exceptional insolvency lawyer. It appears meaningless to discover a legal representative who you will certainly pay money when your greatest trouble is money. However, your home is at risk as well as you intend to stop your creditor from seizing it therefore a lawyer will certainly come in actually convenient. Leaving financial obligation When you obtain in touch with the very best bankruptcy lawyer New York City needs to use, you will certainly check out some techniques of leaving debt prior to

applying for insolvency

. Personal bankruptcy lawyers have a truly great understanding of economic administration. They are able to give you with guidance on just how you can leave financial obligation. In some cases, you do not require to undergo the entire process of declaring for personal bankruptcy. You can go for choices like financial debt loan consolidation as well as financial debt settlement. These 2 procedures also need the assistance of a lawyer specifically the financial debt settlement. Declare insolvency is the most extreme alternative. It is usually the last hope when you are completely broke and you are not able to make your payments conveniently. The initial point that you require to perform in order to file for insolvency is take the credit rating counseling training courses. These can be taken right from the comfort of your house nowadays all thanks to internet modern technology. A good lawyer is going to lead you to the finest area to access these classes.How insolvency stalls repossession One more thing that your attorney will certainly aid you out with is finding out whether you need to submit for Phase 7 or Phase 7 personal bankruptcy. They can be a bit challenging. The court will automatically provide an order which is called the order

for relief. This order includes an’ automated remain ‘. The automatic remain is basically a regulation to your financial institutions to stall their collection tasks with immediate effect. To puts it simply, if your house was in the schedule for repossession sale, the sale is mosting likely to be delayed. The personal bankruptcy will certainly be placed pending for concerning three or 4 months -typically. In this time your financial institution could not market your residence. There is the likelihood that your creditor will apply for a ‘movement to raise keep’. This provides the approval to continue with the sale. These are the essentials of ways to

stop repossession New York City using the personal bankruptcy technique. The truth that you need a lawyer in order to help you out can not be stressed more compared to it has. Typically insolvency lawyers do not charge a ton of money for their solutions. They do understand that you are having financial problems as well as therefore will not press you to your limitations with ridiculously high lawful charges. They are mosting likely to assist you out in the entire procedure of filing ensuring that you defeat all submitting target dates. Lots of people wish to understand< a rel ="nofollow"href="http://foreclosurebankruptcylawyers.com/ "> how you can quit repossession New York City by submitting for insolvency. The characteristics of this process are not so clear. As such, a majority of individuals prefer to tackle the procedure on their own. When you contact the most effective bankruptcy attorney new york city needs to provide, you will discover some methods of

getting out of financial debt before applying for insolvency. Personal bankruptcy attorneys have a great understanding of economic monitoring.

What is Personal Bankruptcy? Chapter 7 and Chapter 13 Bankruptcy Video

< things type =" application/x-shockwave-flash" design=" width:425 px; height:355 px; "data="// www.youtube.com/v/LipVyREJPvs?color2=FBE9EC&version=3&modestbranding=1" >< param name =" motion picture" worth="// www.youtube.com/v/LipVyREJPvs?color2=FBE9EC&version=3&modestbranding=1 "/ > Learn more about the various sorts of personal bankruptcy (Chapter 7 and also Phase 13 bankruptcy) from the experienced insolvency lawyers at Customer Lawyer of The U.S.A.. We answer your regularly asked inquiries, such as: “Will my friends as well as household discover my insolvency?” as well as “What happens to my house, car, and also ownerships after I file for personal bankruptcy?”

Exactly what is Chapter 7 Bankruptcy?
http://www.bankruptcyattorneysofamerica.com/info/what-is-chapter-7

Exactly what is Chapter 13 Personal bankruptcy?
http://www.bankruptcyattorneysofamerica.com/info/what-is-chapter-13

What is Exempt When Declare Individual Bankruptcy?
http://www.bankruptcyattorneysofamerica.com/post/what-is-exempt-when-filing-for-personal-bankruptcy

Link with Us
Call ► 1-855-415-5208
Google+ ► https://plus.google.com/u/0/+Bankruptcyattorneysofamerica/posts
Facebook ► https://www.facebook.com/ConsumerAttorneysOfAmerica
Twitter ► https://twitter.com/caoalawfirm
LinkedIn ► http://www.linkedin.com/company/consumer-attorneys-of-america?trk=cp_followed_name_consumer-attorneys-of-america
Our Website ► http://www.bankruptcyattorneysofamerica.com/

Auto Loans After Bankruptcy Re-Invented!

To be quite honest, there is no real difference between applying for auto loans after bankruptcy and applying for poor credit auto loans. Both auto loans after bankruptcy and poor credit auto loans are known to be applied for when one does not have enough cash to afford a vehicle themselves. However to make things worse, they are also known to have a bad credit. Having a bad credit score simply means that many lending companies will be quite reluctant in issuing you any forms of loan as you have a record of not being able to repay them on time.

Government realized that it is important to address the transportation needs of people and introduced poor credit auto loans. This was an essential step to support the automobile industry also. The terms and conditions as well as procedure for auto loans after bankruptcy is very much same for the normal auto loans except that a healthy credit history is not mandatory. These loans usually grant smaller amounts compared to the conventional loan methods and interest rates are also higher. Tenure of poor credit auto loans is shorter which may result in higher installments if you avail a bigger amount.

For starters, auto loans after bankruptcy and poor credit auto loans are known to have a higher interest rate charge. Where you would only be expected to pay two to three percent interest charge on a normal loan, you would expect to pay quite more with a poor credit score. In the case of auto loans after bankruptcy and poor credit auto loans the standard interest rate that is currently circulating the market is six percent or there about. Even though this may seem as a high interest, for the position you are in, it really is not as bad of a deal as it may seem.

There are things that are quite different when applying for auto loans after bankruptcy and poor credit auto loans. One of the biggest differences is that most lending companies will require you to hold some form of asset as a security in case you are not able to make the repayments. In such a case they would be able to take legal control of your asset and use it in anyway that will help them relieve the amounts that they have lost.

When looking for auto loans after bankruptcy and poor credit auto financing, there are a few things that you need to keep in mind. First of all research the market. Don’t simply go for the first loan that you may come across. Even though it may be difficult to get hold of auto loans after bankruptcy and poor credit auto loans, they are not impossible to find.

If you are willing to buy a car to use for a long time, go to a company that provides auto loans after bankruptcy with a not so popular model. Usually poor credit auto loan providers will have some discount from manufacturers and these discounts will be higher for cars those are selling less. If you ask your lender to bring down the interest rate for such cars, he is most likely to agree because he is getting compensated from the manufacturer’s side.

Looking to find the best deal on auto financing with bankruptcy , then visit www.KarLoans.com to find the best advice on bad credit auto loans online for you.

Life After Bankruptcy, Using Credit Cards To Rebuild Credit

A lot of people have no idea that you can use charge cards to reconstruct credit after personal bankruptcy. Do not let your scenario make you experiencing frustrated. Anyone gets the possibility of finding on their own within situation. Why don’t we get started with your lesson about how to make use of charge cards to rebuild credit.

First, the great News

The very good news is the fact that it is not the termination of the entire world. There is certainly ways to regain the life span you when had before bankruptcy. Without ability to maintain positivity regardless of your situation you can not move forward. You have to start out over when it comes to your credit, but at least you will be provided another possibility.

Rebuilding Trust

You will find there are credit companies which is willing to provide to you personally after bankruptcy. If your planning to utilize bank cards to reconstruct credit you can expect to pay high-interest in the money you borrow. You simply need establish trust by simply making regular punctually payments.

Responsibility And Restraint

The concept is that you will soon be settling the debt in full monthly. The credit lender will soon be considering your ability to exercise restraint and duty. Allow the lenders know that you get some real modifications.

A Final Option

Another option that can be used is to apply for a secure credit card. A secure credit card is usually secured making use of a savings account. The resources might advertised because of the loan provider in the event that you default on your own payments. This permits the creditor the capacity to accept riskier individuals.

Be Patient

It may well not take place as fast as you’d like exactly whatis important is you can utilize charge cards to reconstruct credit. Mistakes tend to be an integral part of life you must attempt to maybe not result in the same mistakes once more. By remaining diligent and persistent you’ll see your credit enhance over time.

To get most useful results when utilizing credit cards to reconstruct credit you need to learn to properly try this or you could make things even worse. Browse our blog site Most Useful 0 Percent charge cards to obtain most of the FREE information you need.

Check Your Options Before Filing Personal Bankruptcy

A bankruptcy proceeding is one thing that lots of folks begin to give consideration to if they discover that they truly are drowning in debt. It isn’t a decision that many folks make lightly many tend to be also embarrassed concerning the possible necessity of using such a serious step, although the documents reveal that the majority of individuals who declare a bankruptcy proceeding don’t do this due to economic mismanagement, but considering things away from their control such as separation and divorce, unanticipated health expenses, job loss, etc.

You should get a knowledge of what options are available to you. For personal personal bankruptcy, you can easily either file part 7 or Chapter 13, each of that will be a slightly different strategy. Each technique works in a different way and the right solution to use is founded on your specific circumstance, and it is dependant on a large variety of factors.

For someone who just isn’t acquainted personal bankruptcy, it might appear that the process is really as simple as filling out a couple of types and submitting them. That may have now been notably real in past years, but with the current major alterations in bankruptcy legislation, that is no longer the way it is. Actually, the entire process of processing personal bankruptcy is not any longer a do-it-yourself process and it is quite complicated, in which if you try it yourself, odds are much better than exemplary you will miss one step or fill something out improperly, that’ll cause you to return to the very start and start over. The employment of an excellent personal bankruptcy lawyer can above pay for the expense tangled up in terms of enough time included as well as the proper filing of forms, and undoubtedly possible assets that you could keep after it really is completed.

You should know about the sort of debt which you have actually when you are thinking about personal bankruptcy, since there are specific kinds of debts that simply cannot be released via bankruptcy, such as for example student loans, present credit card fees, and many other things. Anytime this particular debt is a significant percentage of your indebtedness, you need to realize those things will continue to exist once you have filed.

It may seem that a bankruptcy proceeding is a highly skilled approach to only wipe debt record clean and begin over, it is not quite as simple as that. Normally it takes months for your bankruptcy is approved, regardless of whether Chapter 7 or Chapter 13 could be the much better means for you to utilize. In addition, a federal bankruptcy judge has to approve your filing, and there’s a chance you will not really manage to register, since personal bankruptcy is not any much longer automatically approved as it was previously.

You will have to want to go to credit guidance workshops from a court-approved agency included in the filing process. That is an innovative new necessity which can be area of the recent major alterations in the bankruptcy legislation. The fact your filing is not because economic mismanagement is immaterial, this will be nonetheless a requirement.

This isn’t one thing you wish to access until you have actually considered your entire other available choices. The reason behind the reason being a bankruptcy filing will show up as a large banner on your own credit file for the next seven to a decade, and it’ll become more burdensome for you to get credit cards, personal loans, a mortgage, plus work with this huge blemish on your own credit file.

nowadays, being with debt is almost a means of life. But in life, things take place that simply cannot be foreseen and quite often bankruptcy will be your most suitable choice. Ensure that you have examined all possible options before filing since you can find regularly choices which can be better worthy of your circumstances that do not involve the radical step of bankruptcy.

Jay Anderson writes monetary articles considering his expertise and advises customers about personal bankruptcy. For more personal bankruptcy insights about Personal Bankruptcy along with getting a free personal bankruptcy evaluation from a professional lawyer regional for your requirements, visit http://www.bankruptcy-data.com

Learn about the different types of personal bankruptcy (part 7 and part 13 personal bankruptcy) through the experienced bankruptcy lawyers at Consumer Attorneys of America. We answer your faq’s, particularly: “Will my buddies and household learn about my personal bankruptcy?” and “what the results are to the house, automobile, and belongings once I file for bankruptcy?”

Understanding Section 7 Bankruptcy?
http://www.bankruptcyattorneysofamerica.com/info/what-is-chapter-7

What’s Section 13 Bankruptcy?
http://www.bankruptcyattorneysofamerica.com/info/what-is-chapter-13

What exactly is Exempt Whenever Filing private Bankruptcy?
http://www.bankruptcyattorneysofamerica.com/post/what-is-exempt-when-filing-for-personal-bankruptcy

Relate with Us
Phone ► 1-855-415-5208
Google+ ► https://plus.google.com/u/0/+Bankruptcyattorneysofamerica/posts
Facebook ► https://www.facebook.com/ConsumerAttorneysOfAmerica
Twitter ► https://twitter.com/caoalawfirm
LinkedIn ► http://www.linkedin.com/company/consumer-attorneys-of-america?trk=cp_followed_name_consumer-attorneys-of-america
Our Website ► http://www.bankruptcyattorneysofamerica.com/

Personal Bankruptcy in Plano TX – What to Expect When You File

personal bankruptcy plano txConsumers whom file a bankruptcy proceeding in Plano TX frequently wonder just what the bankruptcy procedure is much like. While bankruptcy situations will change for everyone, there are particular studies every consumer personal bankruptcy debtor goes through. Collins & Arnove, experienced individual bankruptcy solicitors in Plano TX, offer the following for informational purposes only and caution that the information on your personal bankruptcy case will depend upon your property, your money, and whether you file section 7 or part 13 bankruptcy – anybody deciding on bankruptcy should discuss the matter with a bankruptcy attorney.
Personal Bankruptcy in Plano TX – what to anticipate

you will have to simply take a pre-bankruptcy credit guidance program. Federal personal bankruptcy law needs that customers whom file individual bankruptcy has to take a credit counseling course with a pre-approved provider before filing for personal bankruptcy. It is possible to take the program either on line or over the phone, and the company will issue your lawyer a certificate that he must submit with all the judge. If you try to register bankruptcy without taking the course, if you don’t reveal great cause, the judge will dismiss your situation. The course is absolutely nothing to take into account – your email address details are not reported into the court.
you need to provide most documentation, including proof of your earnings and copies of private taxation statements. Your lawyer will ask you for at the least 60 times of paystubs or other evidence of earnings, as well as your last two tax returns, at least 8 weeks of lender statements, and documentation showing ownership of your dwelling therefore the stability due on your home loan, if any. You may even need a duplicate of every recorded mortgages, the subject to your car, statements for your your retirement records, and paperwork of every organizations you presently own or as soon as had.
you will have to go to a minumum of one hearing before a bankruptcy trustee. Whether you file section 7 or Chapter 13, a bankruptcy trustee will undoubtedly be assigned to your case. While a Chapter 7 trustee’s job is a little unlike a Chapter 13 trustee’s job, both kinds of trustees will carry out what exactly is called the Meeting of Creditors, occasionally also referred to as a 341 Meeting or a 341 reading. The Meeting of Creditors could be the trustee’s first chance to ask you to answer questions about your property and funds. Creditors could also appear and inquire you concerns, even though this is notably unusual in a simple individual bankruptcy case.
You will need to just take an extra economic administration training course after you file. Remember that very first program you took before you filed? A moment a person is required once you file. You need to finish the 2nd course within 60 days after you attend that Meeting of Creditors. Unless you go on it, your instance can get dismissed without a discharge (indicating your debts will always be after you around). That is why, you need to take it when that Meeting of Creditors is finished, and on occasion even beforehand.
You’ll receive offers within the mail from subprime lenders. Remarkably, those that file individual bankruptcy frequently look for their mailboxes full of provides for credit cards, car and truck loans and more with absurd interest levels and fees. In the event that you get any among these inside mail, talk to your personal bankruptcy attorney before applying. While getting brand new credit makes it possible to grow your score after a bankruptcy, it may also enable you to get into trouble once more if you don’t made use of cautiously.

If you are looking for filing personal bankruptcy in Plano TX, contact the experienced solicitors at Collins & Arnove today for a free of charge assessment. Call (972) 516-4255 or complete our form at www.northtexasbankruptcy.com/contact-us/.

How a Personal Bankruptcy Lawyer in Plano TX Can Help You

Individual bankruptcy attorney Plano TXFinding an individual personal bankruptcy attorney in Plano TX could be the relief you will need to allow you to through the personal bankruptcy process. Bankruptcy is difficult, both economically and emotionally. Frequently, choosing to contemplate bankruptcy is probably probably the most financially vulnerable times in your life. You do not want to have the procedure alone. It could be extremely difficult to attempt to come to an awareness in what could be expected of you and everything might go through regarding processing personal bankruptcy, and all sorts of of those unknowns just result in the circumstance harder to deal with. In place of struggling through the perils alone, many individuals choose to ask the assistance of an attorney to help them examine the important points and work out how to go forward.
There are two kinds of individual bankruptcy that people can lodge to simply help ease themselves of these debt. Those two sorts are section 7 Bankruptcy, better-known as a liquidation personal bankruptcy, and part 13 personal bankruptcy, better-known as a reorganization bankruptcy. For a Chapter 7 bankruptcy, the person will liquidate their particular non-exempt possessions and use the funds generated from that liquidation to pay off their debt. Part 13 personal bankruptcy allows you to renegotiate the amount of debt you owe and develop a payment want to pay off that brand-new amount. It’s always best to discuss those two kinds of bankruptcy with an individual personal bankruptcy attorney in Plano TX. Legal counsel can allow you to sort through the main points and find out which form of personal bankruptcy works most effective for you. Each type of personal bankruptcy features needs that vary depending upon hawaii. As a result of differing natures of the bankruptcies, the attorney will appear at your revenue plus non-exempt possessions to find out that may most useful match your power to pay-off the debt.
Trying to select involving the two forms of bankruptcy can be difficult, and that’s why you want the assistance of a personal bankruptcy lawyer in Plano TX to help you evaluate your alternatives. Because of the lawyers at Collins & Arnove at your part, you’ll dig through any economic information and find out which type of personal bankruptcy you qualify for, and which strategy will most readily useful suit your long-term economic needs. Getting the help of a Collins & Arnove lawyer at http://www.northtexasbankruptcy.com will allow you in order to make an informed choice about which form of bankruptcy will likely be best for debt future.
Personal Bankruptcy attorney Plano TX
Collins & Arnove Bankruptcy Attorney
555 Republic Dr.
Plano, Tx 75074
(972) 516-4255

Calling a personal bankruptcy lawyer in Plano TX at Collins & Arnove indicates getting you support whenever dealing with a personal bankruptcy.

7 Steps to a 720 Credit Score – Even after filing bankruptcy!

< object kind="application/x-shockwave-flash" style="size:425 px; elevation:355 px;" data ="// www.youtube.com/v/bJz52Azaz0o?color2=FBE9EC&version=3&modestbranding=1" >< param name="flick" worth ="// www.youtube.com/v/bJz52Azaz0o?color2=FBE9EC&version=3&modestbranding=1"/ > Kevin Heupel, chapter 7 attorney, from Heupel Law talking about exactly how a person can reconstruct their credit scores rating to a 720 within one year of filing personal insolvency.

The initial step to rebuilding your credit report is to obtain from financial obligation. Phase 7 insolvency is a superb means to get from debt as it gets rid of most debts except taxes from the last 3 years, student lendings, child assistance, alimony, and restitution. Or else, a Colorado chapter 7 personal bankruptcy will certainly get rid of the debt you require in order to rebuild your credit report rating to a 720.

Personal insolvency is not for everybody. Be sure to speak to a Chapter 7 lawyer, such as Kevin Heupel at Heupel Law, to see if chapter 7 bankruptcy is a choice for you. For more information about insolvency attorneys, check out www.GetDebtFreeWithMe.com and also go here to enjoy this video clip again: http://youtu.be/bJz52Azaz0o