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Information about Credit Cards

Credit cards are convenient, but unless you are careful about your spending, you may be shocked when you get your monthly bill. Keep all of your receipts in order to keep track of what you have spent. Credit cards are convenient for consumers. Cards are easy to get. Credit cards are a privilege that offers many advantages. Having a student credit card allows you to pay bills and make purchases online or over the telephone with great convenience.

Credit cards are widely used. Shops and restaurants that accept credit cards have stickers at the entrance or signs posted elsewhere to designate which cards are accepted. Credit cards are only one means of stealing your identity. They are surely the most convenient form. Credit cards are one of the financial staples of modern society and with them come the additional necessity of credit debt management. Credit cards allow anyone who qualifies to purchase things that they may not be able to purchase with cash and then pay it off in smaller payments.

Credit cards are the most commonly used medium of making purchases and paying-off debts. People believe that those who have bad credit history can never get a credit card. Credit cards are everywhere and it’s important for you to be a part of it. Credit cards are best to use if you want to borrow a small amount of money for a short time. They are best for people who have the means to pay the money off quickly, and who are good at budgeting.

Is Life After Bankruptcy That Bad

It seems that some people do not recognize that dispite some unpleasant aftereffects, bankruptcy is truly a “fresh start.”

Instead of being satisfied with the benefits they receive some people remain unhappy.

Here is a letter I received:

“Why does it take attorney's six or more weeks to discharge a chapter 13?

Why do apartment leasers hold a bankruptcy against you when I don't see how you could add apartment rent onto your bankruptcy?

If life is so miserable after a bankruptcy, why are lawyers constantly telling people it's okay to file. (They want to get paid.) “

My response:

“Six weeks for a discharge isn't that long and may well be governed by the schedule of the bankruptcy court.

Some landlords may not want to rent to someone with bad credit. They may feel that they will have to chase the renter for their money. Dispossessions are time consuming and expensive.

In many cases the landlord will get possession of his apartment, but may never recover the unpaid rent.

While the court proceedings drag on, the landlord has lost a part of his source of income. So he haa a right to be careful.

However life is not that bad after bankruptcy. Debtors used to be sent to jail.

Not too long ago, bankruptcy would mean that the bankrupts would have to carry a stigma for life. Many committed suicide rather than face the disgrace.

Many people who went bankrupt during the Great Depression spent years paying off their discharged debts as a matter of honor.

Now nobody much cares. You will be able to get credit. Your debts have been wiped away. What more can you ask for?

You were the one who ran up the debts, whether through bad luck, bad planning or the simple inability to control your spending.

You did contract to repay the money and you didn't.

For the most part you are now free of the pain and pressure caused by your financial problems. You will face some obstacles over the next few years, but you should have realized that before filing.

You approached a lawyer, not the other way around. I'm sure the lawyer didn't twist your arm to force you to file. If you've gotten your discharge, be happy, restart your life and live with the consequences.

Things could be worse.”

In my opinion this person needs an attitude adjustment.