Bankruptcy And Debts

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Mobile phones have become a necessity in modern life, something seemingly indispensable rather than an optional purchase. We need our mobile phones like we ended food and oxygen - literally everyone has a mobile phone and we need to upgrade and change these phones on an annual basis. The mobile phone market is one of the largest consumer markets in the UK simply because it is a captive market. Why then do mobile phone shops insist on giving us the hard sell when we come to buy or renew our mobile phone?



The Mobile phone retail market is competitive - of that there can be no doubt. But they have tens of millions of consumers to target who will always need to buy or upgrade their phone. From an outside perspective this would seem to be an advantageous position akin to shooting fish in a barrel. It seems unnecessary then that on two separate occasions I have been quite literally accosted and backed into a corner in a mobile phone shop while some over enthusiastic nee desperate sales 'executive' practically rams handsets down my throat. Considering a) I'm already in the store and b) I'm there because I wish to purchase a new phone the hard sell approach is not only unnecessary but frankly off putting.



This year I avoided the high street altogether in my search for a new mobile phone. My past experience of mobile phone shops forced me to look to new methods of getting a new mobile phone deal. I had done a spot of online shopping previously but had not really considered shopping for a mobile phone online until my network sent me some literature that mentioned 'web exclusive' offers. Most of the major networks such as Orange and T-Mobile provide such offers to existing customers so checking out the deals when the time comes for you to switch phones might work our to your advantage.

The online equivalent of the high street stores also fare well from a customer centric point of view. Online mobile phone shops such as Dial-a-Phone combine deals from all major networks to give you an idea of the best deals across the market - so you can switch network if you find a better deal.



The real advantage of this is these options is the complete absence of sales staff, jargon and rhetoric and borderline aggression that you can find with high street mobile phone shops.



Submitted by:

Michael Hanna



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Bankruptcy is a court process that allows an individual or business to get relief from their debts. The ultimate goal of bankruptcy is to give the individual or business a fresh financial start while being fair to creditors. How Can a Business File for Bankruptcy Chapter 7 and Chapter 11. Once bankruptcy proceedings are started (whether through Chapter 7 or Chapter 11), creditors cannot attempt to collect debt from the business until the bankruptcy process has ended.

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Michael Hanna

Both types of bankruptcy may get rid of unsecured debts and stop foreclosures, repossessions, garnishments, offs, and debt collection activities. Both also provide exemptions that allow people to keep certain assets, although exemption amounts vary among states. Note that personal bankruptcy usually does not erase child support, alimony, fines, taxes, and some student loan obligations. And unless you have an acceptable plan to catch up on your debt under Chapter 13, bankruptcy usually does not allow you to keep property when your creditor has an unpaid mortgage or lien on it.

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The Bankruptcy Courts Survey 2005 found that communication between the courts, official receivers and bankruptcy trustees was generally efficient. Cause for bankruptcy were seen to be complex, although credit misuse followed by business failure tended to be a familiar pattern. Bankrupts tended to acknowledge moral responsibility for their debts, the report found. "The report concludes that very few people see bankruptcy as an easy way out of their debts but rather that they have no real alternative, " said Desmond Flynn, inspector general of the Insolvency Service.

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Chapter 7 Bankruptcy involves the selling off (or "liquidation") of a business' property to pay off debts. The bankruptcy process starts when the business files a petition with the bankruptcy court. The petition must list all of the business' property, debts, and recent financial history. The court will then appoint a trustee who will sell off some of the business' property to help pay the business' debts. Some debts will be discharged by the trustee, meaning that the debts will not have to be paid. Other debts are not dischargeable including recent taxes, debts in prior bankruptcy, and penalties payable to the government.

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