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Resolved Question: What will be the effect of GM's bankruptcy on it's racing program?

Will it survive under it's advertising program? Will this open the door for other "foreign" manufacturers to move into Nascar? more

Resolved Question: Anyone surprised that another Far Left Liberal talk radio goes bankrupt due to lack of support?

It is with the greatest regret, on behalf of our Board, that we must announce that Air America Media is ceasing its live programming operations as of this afternoon, and that the Company will file soon under Chapter 7 of the Bankruptcy Code to carry out an orderly winding-down of the business. The very difficult economic environment has had a significant impact on Air America's business. This past year has seen a "perfect storm" in the media industry generally. National and local advertising revenues have fallen drastically, causing many media companies nationwide to fold or seek bankruptcy protection. From large to small, recent bankruptcies like Citadel Broadcasting and closures like that of the industry's long-time trade publication Radio and Records have signaled that these are very difficult and rapidly changing times. http://airamerica.com/ Meanwhile Fox News has reached new levels of support and viewership 0-o-0 more

Resolved Question: Help me with a business question please?

You are the national sales manager responsible for marketing and selling pasta products for the Olde Italy Pasta Company. While the name implies the firm's products are made in Italy, the actual products are made in Oklahoma. Over the past 12 months your company has experienced declining sales and profits due to lower demand for high-car products. Now upper management feels something must be done to turn the company around. In fact, the situation is so bad that there have been rumors the firm may be forced to file bankruptcy. The management team has asked you to: 1. Find ways to increase sales. 2. Reduce advertising expenses. 3. Decrease the number of employees in your area from 15 to 12. Topics for Discussion: 1. Since you are the national sales manager in a company that makes pasta products, how could you improve total sales when a large portion of your customer base is attempting to reduce the amount of high-carb food items they eat? 2. Although you thought your budget was tight in your area (marketing) before the recent downturn in sales and profits, now upper management wants you to reduce advertising expenses. How can you increase advertising effectiveness while cutting back on advertising expenditures? 3. How do you choose the three employees that must be "given the boot"? Do you have any responsibility for "helping" these former employees once the decision is made? 4. How would you tell the employees that their services were no longer needed? more

Resolved Question: I'm disabled, broke, highly intelligent, and need to make a business idea work. How is this possible?

First, I understand that this sound arrogant so let me do this. Disabled: 20 years paraplegic, walking but not well. Broke: I have been trying not to take advantage of a system that I have little respect for, but lost my job 4 months ago. Not physically suited to much, and lacking documented education. Highly intelligent: tested 11 out of 12 years of school to be of higher intelligence than 95 percent of the schools I attended. Special placement for "gifted kids" until I moved to a state my senior year that didn't have such a program. Here's my question: I have been developing a concept for a website for several years. I have recently found that another company has started something similar but does not exploit the full opportunity available, but they Just got $25M in funding. There is only one competitor to that sight right now doing things slightly differently, but they are off to a slow start, and seem kind of half in. And, there have been 2 other companies that both went broke in earlier days of the internet seemingly doing something similar. The 2 from the past are harder to research but it seems they both spent way too much money on advertising and not enough on the business of the business. How do I protect the idea and find somebody to develope an actual representation of the full site with all of it's intricasies when I don't have any money? Unfortunately I have never written a business plan and find it rather intimidating, but I can justify and explain every little nuance, from the business, to the backend, to the marketing and the execution. It seems that one of the dead companies may have patented parts of its' process, and this too may be an issue, but phone calls and research thus far all have led to the need to spend money I just don't have. I'm not affraid to share, and I am truly not greedy, but I don't want to let the cat out of the bag to be snatched and made into some foreign meal. Has anybody out here had experience with situations like this? Can you help? Looking for an investment? Please allow me to be clear. I don't have the knowledge or experience to create this site myself. I am an idea guy, and am looking to find out how to execute. I don't have 20 years to aquire all the needed knowledge that others already have specialized in, and need to employ / partner with the needed skills to get this done. Note: I am looking into going back on disability, and filing bankruptcy. Though until 4 months ago I had very good credit, right now that is shot and recovery must be quick or I will be forced to start all over. I would much rather pay my debts and move on with my life with dignity and self-respect if I can find any way to do so. Thank you for your time and I look forward to what comes of this. Peace to all. more

Voting Question: How do I find out if a company is in violation of bankruptcy, and is there a way to report it?

My former employer of a small business is restructuring under bankruptcy. I know he has created a "sister company" that does the exact same thing and is trying to funnel his old customers to his new company. Using the failing companies advertising dollars to get the new business of the ground seems like stealing from the people he owes money to. To make things more difficult for me I am a "disgruntled employee" and a competitor. I don't want my judgement to be clouded just because I don't like the guy. There is also a friend of mine still at the old company who relies on that job. I'm not asking you to solve all of life's problems, but it would be nice to know my options... more

Voting Question: How do I find out if a company is in violation of bankruptcy, and is there a way to report it?

Resolved Question: will voluntarily repossessing my vehicle ruin my credit?

i know that it will hurt my credit, but would it hurt it so bad that it would take for ever to repair and would i be able to get financed for anything else in the near future. just curious cause i have been laid off since december of last year and my car payment is killing me and i cant trade it in cause i would be upside down and i cant refinance it cause i dont have a job and, i dont want to file bankruptcy, i have ask the the finance company if they would work with me but they only deferred 2 payments when all there commercials advertise that if you get laid off they will pay (defer) your payment for a year. i have had a for sale sign in it for months with no bites just looking for any other options out there more

Resolved Question: QUESTION ABOUT POSSIBLE BANKRUPTCY?

Please don't send links, etc. I just need a little food for thought. (I'll not get into dollar amounts, the question is to let me think about options). * Income - my retirement pay. I'm 62 yrs old and applied for Soc. Sec. after which my retirement supplement drops out. * Outgo - House Pymt, utilities , wife, daughter and 3 grandkids. I also have a 401K which I can withdraw from. Since I retired a year ago, I've found that I have to withdraw money from my 401k each month to supplement my retirement/SocSec to pay the bills, etc. I also have a ton of bills from my wife's medical condition, some already in collection agencies. I can't afford a lawyer; what are my options. For the moment, forget the medical liabilities. At the present rate, (Income plus 401k withdrawals = expenses) I figure we can last about 2 years before losing our house. Questions: 1) Can or will I have to declare bankruptcy? 2) What does that really mean? 3) Will I lose the house (even if I can keep up pymts)? 4) What about the med bills, collection agencies? As I said, I can't afford a lawyer and subject web sites are advertising. I just want to know, in general, what does bankruptcy. I'm reluctant to put dollar figures down but, as a base, my mortgage pymt is 1,000/month. You can project the other figures. We're obviously not rich, wife still ailing and I'm not running the marathon this year either. Is the a book "Bankruptcy For Dummies"? Let me know. Thanks for any general guidance. Live in Illinois. GL to all. more

Voting Question: Is there a law against filing a Chapter 7 Bankruptcy within the 7 year waiting period?

Or are the attorneys that advertise on television just too lazy to do their job and don't actually want to fight the system? They just tell you to do it by the book and file a Chapter 13 on the outrageous amounts of bills you can never possibly pay back before you DIE? more

Resolved Question: What is the name of the law firm advertising on Las Vegas Radio Stations that they clean up credit?

Specifically that they can remove items (such as bankruptcy) from credit reports? more

Resolved Question: Sick of the Dell Inspiron Lollipop commercial.?

Okay, am I the only one that's sick of this commercial? Say I want to watch a show on TV, they show this commercial EVERY FUCKING COMMERCIAL BREAK. I mean really? Come on. I hope the declining economy buttrapes Dell and they declare bankruptcy because they ran out of money from over advertising. Seriously, they've totally ruined a song that I loved to sing to myself when I was a kid. This can't be just me, right? more

Resolved Question: Could I become really rich by founding a megachurch and selling books?

This is a somewhat serious question - I'm not a religious believer at all, but there is a skating rink near my town which has gone into bankruptcy. According to the architect I consulted, the rink could be converted into a small arena that seats up to 1,800 people, and about 1,000 more if we tear off the roof and add an additional seating deck. This would be a pretty good venue for a megachurch. It has a decent location near a freeway close to a major metro area. If I declare myself a nondenominational "pastor" and open up this place with an advertising blitz and lots of "community events" like chaperoned dances and religious-themed film showings, I bet I could attract an instant flock. I'm a very good public speaker; I'd just need to concoct some religious stuff to preach. My ministry would be very non-doctrinal, and would focus on vague messages of spirituality and unity. My books would contain general life and financial advice with only a slight Christian edge, and most of that would be of the "inspirational" (and not a doctrinal) sort. I think this is the future of religion in America. People don't like harsh doctrines; they want easy messages of hope. The whole "prosperity gospel" thing feels a bit fake; my gospel would include prosperity but would mostly focus on simple messages of personal inspiration. I've already studied some of the psychology behind this stuff. Anyhow, should I take the plunge and buy this skating rink, or what? It smells like a good business opportunity to me. Also, what sorts of gospel do YOU think people will want to hear in the future? What kind of ministry would make the most money in the shortest period of time? more

Resolved Question: I am searching for a family law logo/quote?

Any suggestion on a family law logo/quote for advertising? What would make you want to call us if you saw our ad in the paper? We deal with divorce, custody, support and bankruptcy.. suggestions? more

Resolved Question: What really caused the downfall of GM?...Started with "Planned Obsolesce"?

In 1941 the CEO of GM was Alfred Slone. He announced the theory that was the initial downfall of GM...Planned Obsolesce. The theory that one builds an item for a certain lifetime of use then instead fixing it, they just buy another one. This was just all well and fine when cars were not expected to last in excess of 100,000 miles. But then foreign Imports came about and the populous soon learned that the majority of the imports lasted much longer than the GM cars thus giving them a higher resale value and becoming a more valuable commodity. GM never got that one of the essential elements of a viable Planned Obsolesce scheme was that the customer would most probably buy from the same manufacturer if they liked the product. Honda and Toyota all figured the Planned Obsolesce should be around 200,000 miles and designed and manufactured for that. This was a inexpensive way of getting great word of mouth advertising which is the cheapest and most effective means of promoting their product by far. Nissan and Mitsubishi went along with the American model of 100,000 miles of life and we see where that has got them. Next, is the raping of GM by the Unions. GM, at it's bankruptcy, had 4 people collecting retirement benefits for every 1 employee. A company can't afford to maintain these levels. The answers to these situations is clear: The present one taken by the Obama administration is actually quite good. It reduces the maintenance of the health care/retirement packages and ties them to the profitability of the GM in the future by issuing stock. The original question is still not answered: Will the life span of the new GM vehicles raise to the level of Honda and Toyota or stay at 100,000 miles. My guess is that they will stay with the 100,000 mile theory since it is so popular. Let's look at the Electronics industry: Why can't one change the battery in an ipod? Planned Obsolescence. The "Fashion" industry...another prime example of P.O. This idea is being pushed by the advertising industry which has the marketing sections of companies snowballed. First when times are good, you must advertise to keep your market share, when times are bad, you must advertise to stay alive. Are Americans so stupid that they fall for others telling them what is "in style" in the world? It would seem so. more

Resolved Question: i need to settle my credit card debt?

i have 60k in credit card debt. i am unemployed, and have to move back in with my parents. i have 9 different credit cards, all with significant balances. at this point in my life i realize i am screwed credit wise, filing bankruptcy was an option for me, but i would rather settle my debt and only have my credit screwed for a few years instead of 10 - 15 years as would be the case if i filed bankruptcy. i haven't been paying on my credit cards for the past 4 months or so because i couldn't afford paying them, and i knew that i was going to settle, so instead of signing up for a debt settlement company and letting them wait for my delinquencies, i've decided to let them fall behind on my own. i couldn't afford the monthly payment for the settlement at the time because i've lived on my own, but now, i'm moving in with my parents and will not have to pay rent, and can focus all my unemployment funds to getting out of debt. i do not want to negotiate with 9 different credit card companies on settling. i'd rather pay the 15% or so for a debt settlement company to do all that type of work, where i then can have all 9 credit cards settled with the same company, and only have ONE monthly payment where it could be paid off in 3 or 4 years. can anyone tell me a good, reliable, cheap debt settlement company, in which i can consolidate all 9 of my credit cards into one monthly payment in which i can afford? i know i'll have to pay a little more for using a settlement company, but to me it would be worth it instead of dealing with 9 different entities, making 9 seperate payments. i just want to use a settlement company that i can trust, which will be able to bring my total debt down from 60k to around 30k (most advertise can lower your debt to 50%), where i can make one monthly payment. i realize there are fee's and i also would have to pay back some money on my income tax, i'm looking for a company that would be the least expensive, and also one that is reliable and will not screw me over. please, if anyone can lead me in the right direction with a decent settlement company it would be greatly appreciated, thank you so much in advance for your help, thanks again. more

Resolved Question: GM vehicles price dip since the bankruptcy?

With the GM bankruptcy today, does that mean used GM and Chrysler vehicles should be bought at thousands less than their advertised price? Like a $21,000 Chrysler 300C should be bought at $16,000 or even $15,000 now more

Resolved Question: home loan modification question is this right.?

Please no junk answers from people advertising there services. thank you. I have a friend Barry that has a home that he owes 190k worth 140k. He had a payment of 1950.00 at 10.5 percent. Barry has all these toys ranging from a boat, corvette, jet skis ect. Barry also makes 70k a year at his job, 30k results from bonus and commissions. Barry got a loan modification that reduced his balance to 135k, 4% apr his payment is now 845 a month. He told me he had to right up a expense report showing he is broke, be he showed only his wage of 40k a year. leaving out the bonus he received. With the savings in money he is going to bali next month with his g/f. Barry also filed bankruptcy 7 years ago. Is this right are they not paying attention to peoples assets. I am tring to get a modification, lost my job 4 months ago. home is worth less. They are not even budging. more

Resolved Question: Why is the Obama administration making Chrysler advertising decisions?

DETROIT (AdAge.com) -- Chrysler wanted to spend $134 million in advertising over the nine weeks it's expected to be in bankruptcy -- the U.S. Treasury's auto-industry task force gave it half that. http://adage.com/article?article_id=136552 more

Resolved Question: Should they apply for bankruptcy?

I am a business developer, But I am in need of some australian legal advice. One of my clients is being sued by a creditor(Fairfax Newspapers) for an unpaid advertising account(The client did try to organize payment plan, but requested that their advertisement remain printed so that they may have the funds to continue to make payments, but was refused). Their business went belly-up during Christmas last year, and they sadly have not recuperated from the blow, and are suffering some heavy financial troubles. They are young, and stuck, and I am inclined to tell them to apply for bankruptcy to stop the creditors from pursuing them legally. What do law gurus say about this? more

Resolved Question: My parents own a restaurant, but can't keep it. What should we do?

two years ago my parents bought a small restaurant. they believed it was a good deal and investing our money in it would be wise. aside from the obvious lack of income because of the recession the Business has only been able to pay for itself. the contract increased the rent over one thousand in less then a year, and our rent is truly ridiculous, over 3,000 a month for a small space, 54 max occupancy. We have tried selling, but the landlord's high rent and negative attitude brings down any potential buyers. We advertise at the college in front of us, but it does little to help, including online marketing. We are weeks away from declaring bankruptcy at this rate. Our contract is not over for 3 more years. We can't continue paying for only employees, bills, and the rent leaving us only with less than a few hundred in earnings. What can we do? more

Voting Question: Question about auto dealers?

Ok so my old car has finally kicked the bucket. I am currently under chapter 13 bankruptcy. I obviously cannot apply for credit, not that I would get it anyway, but these auto dealers that advertise no credit check, are they legit? how does that work, and would it be illegal for me to do, and would they report to credit bureau? If I try to apply for any credit my case is automatically dismissed. Help please! I have no family or friends to help me out!! Thanks. more

Resolved Question: HUD Neighborhood Stabilization Program Grants?

Hey guys, How do I get HUD grants? I heard that HUD lately is more open to giving home grants to individuals or organizations to help stabilize the current economy and flurry of foreclosures. I know they have a NSP, Neighborhood Stabilization Program, that has billions ready to help U.S. citizens to buy, renovate and finally sell or live in a home. So where exactly do I apply for this? My family would be more than happy to live in a house again since we claimed bankruptcy in 1995. Thanks for any advice or links. Please do not advertise those schemes : ] Warm Regards, Jason Xiao more

Resolved Question: Is bankruptcy the end of the world?

I'm a self employed plasterer struggling to find work.With so many financial commitments,ie advertising contracts and vehicle finance to pay,pressure is really mounting on me. I've already exceeded my overdraft limit.Do i throw the towel in? more

Resolved Question: What do you think will become of healthcare in America?

So, I just got a letter from my employer, Publix, saying that they are reducing their medical benefits because of last years high medical costs. My girlfriend just got a letter from her employer, Starbucks (where I worked in management before my new job), and it said the same thing. With healthcare costs continuing to rise, what do you think will become of healthcare in this country? This isnt a question advertising universal healthcare. I love that idea, as I spent some time in Canada (most people dont understand that there the hopsitals are all privately owned and all its just that medical services are paid for by the government and there are not long waits. They are the same as here, but thats all another story) I dont thnk America could run it well. So with healthcare continuing to rise, states reducing benefits to the disabled and all, and medical bills now the numbe one reason for bankruptcy, where do you think we will be in: 1. 5 years 2. 10 years 3. 20 years Thanks to all and best answer to the most well thought out answer, regardless of whether I agree with you! Thnaks!Its really really sad that I fear for my own getting sick in my own country. I mean, if I cant come up with thousands of dollars, Im really f***ed. This country has the best healthcare though. But only if you have the money to pay for it. And only then.Canada actually has a great healthcare. There are low waits, unlike where everyone thinks that omg you have to wait so long there if you need something done. Thats not true. The life expentcy is longer, fewer infant moralities, better chances of surviving cancer if you are being treated in Canada, etc. Its more like soical insurance. The hospitals are all privately owned and doctors are free to quit and go to another. Stop believing this red scare crap about socialized medicine. You cannot in anyway really think with as much as insurance and medical billscost that we have the best healthcare. We may have the most potential, but we do have the best becaus most people cant get it. more

Resolved Question: Basic Michigan Bankruptcy Questions?

I have gotten myself into a situation where now bankruptcy is my only resort. So, I have some questions, and if anyone can answer them that would be great. 1. I sometimes see bankruptcy lawyers advertised for $800, and other low prices, and a lot of people I have talked to have paid around $1200. What is the difference? 2. What questions do I ask when choosing a lawyer? 3. Do my husband and I have to file together? 4. My husband has a lot of credit from about 10 years ago. Debt collectors don't call him anymore about it and it's not showing up on his credit report. Does that mean it's gone, or will that come back to haunt us? 5. I have some debt in collections, and some I have lost track of. How do I find out who has my debt? Is it all on my credit report? Will my lawyer get a copy of my report for me or is it all my responsibility? 6. I have a bank account and a loan through that bank. I am 3 payments behind on the loan, and can't afford to pay it up. Should I just let the bank account go? Can I open a new bank account somewhere else? more

Resolved Question: Why do we let Greedy Capitalists own our Livelihoods?

Tribune Company files for bankruptcy By Kristina Betinis and Alexander Fangmann 15 December 2008 World Socialist Web Site On Monday, December 8, the Tribune Company, which employs about 16,000 workers, became the first major news company to file for Chapter 11 bankruptcy protection in the current economic downturn. The filing, which threatens the jobs, wages and pensions of thousands of workers, allows the company to stop paying interest on its $12.9 billion in debt and enter into debt restructuring negotiations with its creditors. The bankruptcy filing lists the company’s assets at $7.6 billion The Tribune Company is a media empire comprising the Chicago Tribune, the Los Angeles Times, the Baltimore Sun, the Fort Lauderdale Sun-Sentinel, the Orlando Sentinel, at least 6 other daily newspapers, a cable network, a radio station, 24 television stations, several weekly papers, Chicago Magazine, and numerous websites. It also owns the Chicago Cubs and their stadium, Wrigley Field, which are not listed as part of the bankruptcy filing. At court hearings last Wednesday, the media conglomerate asked a bankruptcy judge for permission to cut employee severance payments and health care benefits. In 1986, the Chicago Tribune smashed a bitter strike by pressmen and other craft unions, replacing 1,000 workers with strikebreakers. Today, the entire conglomerate is mostly non-union. Many media companies are suffering from dwindling advertising revenue, as well as the loss of readers to the Internet. In another recent sign of the downsizing and consolidation of the industry, the Detroit Free Press, owned by Gannett Co, and its partner, the Detroit News, are planning to end home delivery on all but the most lucrative days, which are Thursday, Friday and Sunday. The most direct cause of the Tribune Company’s bankruptcy, however, is the company’s staggering level of debt. Several large media companies, including Media General and Gannett, face enormous debt payments and may soon find themselves in a similar situation. Last year’s privatization of the Tribune Company bears the marks of leveraged debt financing characteristic of the recent climate of rampant speculation. In December 2007, billionaire real estate mogul Samuel Zell, nicknamed the “Grave Dancer” for his history of buying distressed or undervalued businesses, completed the transaction to take the Tribune Company private. He was estimated by Forbes in 2008 to be the 68th richest American. Zell, the Tribune Company’s chairman and CEO, pursued a heavily leveraged buyout of the company which was widely characterized as extremely risky and indicative of the irresponsible investments leading up to the recent crisis. The Wall Street Journal reports that “no one thought the buyout of Tribune Co. would work—and it didn’t.” Ruthlessness typifies Zell’s approach. Speaking on the mortgage crisis at the Milken Institute Global Conference in April, Zell was quoted as saying, “This country needs a cleansing. We need to clean out all those people who never should have bought in the first place, and not give them sympathy.” Zell maintained he could make the Tribune Company deal profitable through a combination of asset sales and reorganization to take place under the new management team, which had little or no experience in the newspaper industry. Senior executives knew that bankruptcy would likely be filed soon, in an effort to protect investments. While Zell invested $315m of personal equity, with substantial risk mitigated by tax breaks, debt was piled on to the company in the acquisition process. By the time of its completion, Zell’s deal had saddled the Tribune Company with $11.2 billion in debt. Most of the risk for the Tribune Company’s enormous debt was pushed onto the newly-created Employee Stock Ownership Program, which purchased $250 million worth of newly issued stocks upon being established in 2007. These schemes, promoted by the union bureaucracy to “save” failing companies, while securing the interests of big investors, have produced nothing but disaster for workers. This was the case at United Air Lines, McLouth Steel and other companies where workers lost their pensions, wages and life savings when the so-called worker-owned companies collapsed. The Tribune ESOP, as the majority shareholder, assumed most of the risk for the debts. Those employee shareholders are also at the end of the line of creditors in the bankruptcy proceedings. Speaking to the Chicago Tribune, Zell admitted it was likely that the employee stock owners could have their holdings wiped out. The Chicago Tribune reported that Tribune Company “will halt all severance payments, deferred compensation and other payments to former employees, who will be required to file a claim with the bankruptcy court.” The executive director of the National Center for Employee Ownership published an analysis of the Tribune Company’s ESOP in 2007 which included the following:The executive director of the National Center for Employee Ownership published an analysis of the Tribune Company’s ESOP in 2007 which included the following: “In the Tribune case, the ESOP will borrow money from the company. Regardless of how the plan acquires stock, company contributions to the trust are tax-deductible, within certain limits. So in this case, the company is able to use the ESOP to borrow money and repay it in pretax dollars, deducting both principal and interest. This is one of the key tax benefits that the many articles on this transaction are referencing.” In this case, as in other cases, an ESOP was established as part of the privatization to provide tax advantages and risk protection to Zell and company, rather than provide security for employees through ownership stakes, which clearly confirms the predatory nature of the Zell acquisition.n the first eight months after the Zell acquisition of the Tribune Company, more than 900 Chicago Tribune jobs were eliminated. Compounding the instability posed by the risky acquisition, the Tribune Company continued to see its advertising revenue fall sharply. In an effort to cut costs, the Chicago Tribune introduced a smaller, reformatted paper in September of this year, composed of fifty percent advertisements and fifty percent graphics-intensive reporting. The cost cuts were achieved by reducing news content and the staff required to produce it, which could be printed on fewer pages. By August 2008, increased layoffs, employee buyouts, and other cost-cutting measures failed to reverse the company’s decline.http://www.wsws.org/articles/2008/dec2008/trib-d15.shtmlJim, Workers everywhere are taking it on the chin through no fault of their own. The capitalist is nothing but a leech on the working class. Capitalism is class warfare. The capitalist gets richer and richer as labor works harder and harder for less and less, as his benefits are slashed and his job "offshored" to cheap labor locations. If you had read this article, Zell's recklessness lies at the foundation of ruin for the employees of Tribune Co. "The ongoing debate over the auto bailout has demonstrated the conspiracy of the automakers, the two big business parties and the UAW against the autoworkers. All insist that workers must pay for a crisis that they did not cause, in order to restore the auto companies to profitability so they can once again be a lucrative source of income for corporate executives and big investors who are responsible for the financial catastrophe." http://www.wsws.org/articles/2008/dec2008/auto-d12.shtmlCowboy, Read the posted article! more

Resolved Question: Why is circuit city advertising non stop while filing chapter 11?

So tell me, why is circuit city who has filed for bankruptcy sponsoring NFL games, and has non stop commercials on, yet is closing stores and has filed for bankruptcy? How the heck does that work? If they have no money, how are they paying for advertising? more

Resolved Question: Can I settle my credit card debts myself for less?

After recovering from being very ill, I've got 40K in credit card debt spread over 4 credit card companies. I'm better now but no longer able to work. I've got 18K in cash and receive just enough disability to pay my basic living expenses. I'd like to settle my outstanding cc debts with the 18K or less rather than file bankruptcy. Am I dreaming to think all the credit card companies would agree to split up the 18K appropriately and agree to all debts settled in full? If not a dream, how best to make this happen? Should I hire one of the firms I see advertised on TV out of the 18K or is there a way I could just do this myself? more

Voting Question: help the Oregon state bar is investigating me?

recently i have been given notice that i am under investigation by the Oregon state bar. my business helps people file their bankruptcy petitions. the law is very clear about our type of business stating that we cannot give legal advise and that we cannot advertise in legal sections as well as we can not tell people they should file only that they can under the bankruptcy law no attorneys will help us and we cannot get a recommendation from the bar since they are investigating us does anyone have any ideas or should i just let it go to court and plead my case more

Resolved Question: Do i qualify for filing Chapter 7 to get rid of all my debt?

I am 23 years old, no income, no job. had an online biz for couple months that got me $13000 thru paypal for website advertising that i gave to my mother to keep in cash. I have 3 charge-offs, 5 collections, 5 credit cards debt, and i applied for quite a few payday loans online and locally just to pay my bills and never pay any of them back.. so i assume they are all going to collection sooner or later..(about 10 of them) i know i have to wait 90 days so they can't say i intentionally do that then file bankruptcy. also i have a bmw 325i that i paid down for 1500 and has not made a payment since for 2 months. i know its going to get repo-ed sooner or later. but i have another car i put in my mom's name that's paid for. so im fine. i have no income as of now for a year now. (i don't think they cann track the website payment as i never file tax on it) and im 23. will i be qualify to wipe my slate clean? more

Resolved Question: How hard would it be to start a solo bankruptcy practice straight out of law school?

Also, a wealthy relative has agreed to pay the rent for both my house and my office, as well as office supplies and advertising for a full year. So it's not as if I need to make THAT much the first year. Is this the kind of think that I could figure out with form books and software or should I work in a firm first? Also, could I mainly do Chapter 7's or do I really need to do all kinds to stay afloat? I'm licensed in Mississippi if that helps.My diction looks fine to me. Also, it's a little ironic to have my diction criticized by someone who can't even spell realize correctly. more

Resolved Question: Do you know of a FREE trusted credit counseling organization to help lessen burden of debt?

I am $25,000 in debt from 3 different high interest credit cards coupled with being dumb and naive when I got them in my teens. I am 29 now, a single mom living in California, in the poverty income level without any assets. I don't use the cards anymore but I still pay the min. balance on time--I just want the debt gone and wouldn't be too proud about filing bankruptcy. I heard I should I get the debt consolidated but how the heck do I go about doing that? I'm not too clear about how that works and there are so many gimmicks and 1-800 #s advertised that I don't know where to go. I live in California-- specifically in San Bernadino County if that helps. more

Voting Question: I need help?

Im currently attending college and I Ihave two credit card debts whichare both 500 so total of 1000 I have aphone bill which got cut off and I owe 300.oo This happened when I moved to school my job I transfered to didnt put me on the schedule for a while so I had gotten behind payments.My credit is now messed up when I went to go apply for a loan they told me I didnt qualify niether did my mom My dad wont help me and my granma cant either.Well now I have a new job but they only give me like 2 days and i only make 100 dollars. Now i have to pay 400 for my tuition and housing if i stop school and work Iwont have aplace to live if I dont pay i can get kicked out I was thinking about going into the navy as my last resort but i honestly dont believe the military is for me adn I have the chance to go to auditions and use my talents but im afraid it wont get me buy I dont know what to do help please 31 minutes ago - 3 days left to answer. Report It 0 stars - mark this as Interesting! Who found this interesting? No one has marked this question as interesting yet. Email Edit Add Details Extend Expiration Delete Question Stop Emailing me new Answers Answers (0) No answers yet. Open Questions in Personal Finance A family member wants to file bankruptcy, How much does it cost and where do you start? What happens if a parent sells a home to a child and the debt never gets paid off? Like if the parent dies? Auto loan calculation help please...? I was in a Car accident 6 months ago and I am still waiting for money owed to me....i need help?!? Resolved Questions in Personal Finance Dept collectors question? I live in Texas and am being harassed by a Law office for a debt I owe ($1500.00) from over 3 years ago.? I have just split up with my girlfriend, owes me £4k can i get it back? I used my credit card to purchase a trial bottle of a diet aid called? Hello Jenny Love Total Points 772 Level 2 Categories All Categories Business & Finance Advertising & Marketing Careers & Employment Corporations Credit Insurance Investing Personal Finance Renting & Real Estate Small Business Taxes Other - Business & Finance Sponsor Results Countrywide® Home Loans No Closing Cost Refi. No Points. No Credit Report or... www.Countrywide.com Earn From more

Resolved Question: Question about financial matter?

I have two vehicles and two car notes because I signed for a loan for what is now an ex-fiance and she decided she didn't want the payment or the car anymore. I'm unable to maintain both cars and payments (been doing it since June 07) along with my credit card debt (which is under $5000 but still a monthly expense) and other expenses without going broke on payday and not sure what to do. Should I do a voluntary repossession on one of the cars, file bankruptcy, or another option? I've tried advertising both cars for sale but no luck because of the money I need to pay off the car loans. Not sure what to do, but I don't think it's worth a bankruptcy because I don't have that much debt outside of the two cars. Any advice??I should add. I'm not trying to get out of paying anything, but money for food would be a nice luxury ;-) more

Resolved Question: Doe anyone know if most payday loans advertised online connected together?

I have a friend that stated that she applied for a payday loan online and a company she delt with a long time ago got her information and went into her account and took money after she had put them in her bankruptcy. She doesn't have a computer so she has given the task of trying to find out. She said that she spoke with someone at the company she applied with and then found out that the same person worked for yet another company in a call center. Is this right, does one company own all of them and can put you in a trick bag getting your infomation from a new company you apply with and then getting into your bank account because yo owe them money when leagally she filed bankruptcy. more

Resolved Question: Law & Ethics why do conservatives hate lawyers that put loophole fine print in their contracts but love the ??

home loan sharks that are putting people into bankruptcy and foreclosing on their homes for the same reason? and do you think its a good idea that congress make it a law that we can sue them for false advertising and deceptive fine print?no correct answer yet!some people cant read i guess!!!!! why do you hate lawyers for loophole fine print?!!?!?!?My Dad always told me, " The best revenge is to be happy." Take the High road here and walk away. These are NOT how real friends behave or treat each other. There's another saying," If you're being abused, you must be agreeing with the treatment." Friends are a lot like life--some are for a little while, and some for a few days or weeks or months, and a very few--for life. Find people to hang out who approve of you JUST THE WAY YOU ARE. That's the best answer I can give. good luck. more

Resolved Question: Advertising company going out of business, owe customers...(considering bankruptcy)?

Please help...my business is going under and I owe one last advertising book that needs to go out but don't think I can get it mailed out we are in too much debt at this point to come up with the money. I'm afraid I'm going to go to jail or sued if I don't refund my customers money or produce a book...but I have no way to fix this. What can I do? I might be going bankrupt is there anything that I can do to help this situation. I need some real advice, Thanks!If I do go bankrupt can my customers still come after me do I run any risk of getting into trouble..If the book doesn't go out. I don't have anything left to loose I've already lost pretty much everything I just am worried about paying them back and I don't think I will be able to. Some of them have threatend to call the cops already because it hasn't gone out...what should I do? more

Resolved Question: Are companies that advertise to fix your credit reliable?

I have bad credit with a foreclosure and bankruptcy. In the past my husband and I paid a company almost $1,500 to help us avoid foreclosure but they never accomplished anything. I would like to get some guidance on the best way to improve our credit. more

Resolved Question: What are the ethics rules for realtors dealing with the public?

I have an advertising agreement with a realtor who did not pay most of his bill and gave us knowingly false promises to pay in emails, on the phone, and shaking our hand in person. Now, we've sued him in court. He claims he's filing bankruptcy, even though he promised payment one week before we filed... seems like a quick turnaround to be suddenly filing bankrupcty. The reality is, as to date, he has yet to file. What are the ethics rules for realtors dealing with the public in non-real estate transactions?I am aware I need to file a discplinary complaint; what I'm asking is if it will stick, and why. more

Resolved Question: Are divorce law and bankruptcy law lucrative fields?

I have heard that some some lawyers have made very good money in divorce law and/or bankruptcy law. They will advertise that they will "do" a divorce or bankruptcy for a few hundred dollars and then many people will call in for their services. I have also heard that divorces and bankruptcies are usually not too complicated. Any information would be great - I may be very misinformed. more

Resolved Question: 341 Meeting for Bankruptcy, Glad its over but my trustee was an ass. Gave instructions but I need help (ProSe)

I had my 341 meeting today and Im so glad that this is over with. My trustee was a local bankruptcy attorney that advertises WAY too much and my neighboorhood, and he kida looks like skeletor. Anyways he was particullary found of me since I filed bankruptcy ProSe(By Myself) I had a few tiny problems and he wouldnt be specific on how to fix these problems and am hoping someone can help me and tell me what I have to do #1 I had lost my wallet a few months ago it had my social security card and everything in it. I went to the SSA builing and filed a replacement card application. I had told the lady at the counter I have a meeting coming up where I need to show proof of my social. She told me " This reciept is all you need to show" I did and the trustee rejected it. I have to get him something with my social #2 I was told before the 341 meeting that I needed to drop off paperwork to his office. I needed to drop off my bank statements, Paystubs, Income Tax Returns. (SEE MORE BELOW)And a copy of my Petition. I had a copy of my petition saved on a CD and I had thought that the State Bankruptcy office would have given him a copy. But just to be safe I had printed out a copy of the original petition and handed to his office. He cocked an attitude on me again saying," How am I suppose to verify your signature" i had told all my signatures was on the original and this was a duplicate. I dont remeber him saying anything else needed on this end. But just to be safe #3 On My list of assets he said I have to amend my return to say the details of my car which Im claiming an exemption on. I wrote "debtors Personal Vehicle" but he wqants I think the make year model etc. And also I claimed my checking account as an assett which only had a hundred and he says I need to put an exemption on that. He wants me to amend schedule C i think it was He ended it by saying quote"DO NOT CALL MY OFFICE FOR ADVICE ON HOW TO FIX THIS" (SEE MORE)I remember him saying I had till the 28th two weeks from now. Do I just have to get all my paperwork together and can I mail it to his office or something else? I'm really in the dark and wish I had hired an attorney. PLEASE no smart ass remarks about ohhh you should have gotten an attorney. If I could have afforded the fees I would have. Thanks more

Resolved Question: why we do this?

can someone plz put reference into essay in correct format plz. because i dont know where to internet site and book refernece. http://www.tac.vic.gov.au/jsp/content/NavigationController.do?areaID=24&tierID=1&navID=220BAF2F7F00000100BCE28A82D317CC&navLink=null&pageID=1287 Source: Bell& Langdon. Office+ Business Admin Plum Press 1998 How do employer select the right person for their business? The interview process can be a tremendous help if employee use it effectively. They must completed all of the other steps in the hiring process in order to get the most out of the interview process. Interviewing candidates for a position within company is one of the final steps in the hiring process. Before employee get to this step, want to make sure that they've completed all of the preceding steps since each of these steps will have a direct impact on how effective the interview process will be. Below is a list of the steps involved in the hiring process. After they completed the interviewing process, there are still two additional key steps that have to complete. In order to achieve the best hiring results possible. Basics requirements for the job, new staff must have understanding business needs, for example: (Credit Officer).They have must have experience in dealing with customers, be computer literate, good attitude and be willing to work weekends on a rotational roster. Duties include: Analyse loan applications, prepare and sign documents, write insurance policies. Experience in this field is preferred. Choosing internet for advertisement jobs will bring successful outcome and also save time. Vacancies are usually advertised on this website and occasionally on Seek, Jobsearch or Mycareer. More people are connected these days on the internet and it is a very good source of information and also advertising on internet much quick than any other advertising places because it gives business great advantages, efficient so can find right staff for the right job. There are number of stages involve processing all applications: Education There are no pre-requisite subjects and no any tertiary requirements, however all applicants must have experience in similar field in order to gain employment in this field. Medical requirements Satisfy all medical standards; Applicants must be fit and in good physical shape and also with spectacles or contact lenses must have a visual acuity of at least 6/36 in the worst eye unaided and at least 6/18 in the better eye. Criminal background Any Applicants who have any prior criminal offence history, domestic violence history, bankruptcy and their application will be rejected so do not apply if one of those above applies to applicants, but driving offences will be not taken into consideration Selection Criteria Are used to help select the most capable, effective, suited, experienced, qualified, person for the job. Applicants must demonstrate and prove the ways in which they will be of value for the job and the organisation. These are included; •ability to maintain confidentiality •ability to work as part of a team •ability to work independently •ability to work under pressure •attention to detail •flexible and adaptable approach to work •initiative •keyboard skills •organisational/planning skills •problem-solving ability •supervisory skills •verbal communication/interpersonal skills The Short listing may be conducted by a sub group of the panel and generally will involve the Chair and the Human Resource Professional if included on the panel. It may also involve other members of the selection panel as determined by the Chair. For Example, if 100 people apply for a job and there is only one position to be filled. The employer may make a list of the top five or so people to re-interview. Interview process & telephone interview The same person will interview and make decisions about hiring. But if they’re group interview then main person can make decision during the interview. There may be a series of interviews, and the hiring decision can be made by someone who's never interviewed the candidate before. There can be a phone interview round before any in-person interviews, there can be just a phone interview, and there can be just in-person endless variations. Each company does what fits them best. Some organization have different interview process. Phone interviews give the company a chance to get a feel for new employee’s skill-set, interests, desired compensation etc., and see if there is a match between their needs and employee’s strengths. If there is enough common ground, then the phone interviews are almost always followed-up by an in-person interview. Phone interviews are generally conducted in two steps. The first step is with a recruiter in Human Resources. The second step is a technical interview, usually with one of the people would be working with. Technical phone interviews are conducted for people living outside the geographical region. This is done because the company wants to have some level of confidence in technical abilities before they decided to hire them. Reference check Do employment check how person performed in previous job as well as to verify they’re making sure not lying on job application. I personally think this can vary from company to company, but sometimes the interview process in larger companies are administered through their human resources department or the direct hiring manager. From there the company can decide what type of interview process they need to screen acceptable candidates. This can include a 2nd or 3rd interview or even a testing process, for example, a computer test. When a person is found that fits the position say by management or human resources then they will make an offer. Final Step After review of all applicant’s application, each candidate will receive letter or email regard if they had been offered position or not. Depending on qualifications, skills, experience they have to fit the role.I mean where does these references place in essay. more

Resolved Question: Can you repair your own bad credit?

I have recently researched information on repairing bad credit after bankruptcy, etc. It appears that items, whether true or false can legally be disputed from yourself as frequent as every 30 days. And, unless the credit bureau agencies can provide valid proof (from the original creditors) within a 30 day period, they must remove the derogatory credit from your file. Although it can take 2 - 3 times of writing dispute letters to actually get a response, this seems very interesting. It also appears that the FCRA is really in the consumers favor, but not really advertised to us because the 3 major bureaus profit from our credit history. Any experience/advice on someone cleaning up their own bad credit (not through credit repair scams)? more

Resolved Question: NEWSFLASH !!!!. . . Yahoo has announced a 'shake-up and restructuring' . .. .Do you think it will improve this

site and finally 'answer' the call of soooooooooo many of it's users ?? The report also indicated a lack of advertisers.... .. .Would you advertise your business on a site that doesn't properly police itself ? The liberal 'Air America' filed bankruptcy for the very same reasons. ..... Advertisers were not willing to associate their 'products and company name' with the liberal hate-filled banter that Air America was soooooo fond of !! Wake-up call for Yahoo ??????To the person who thinks having a link somehow proves a point.. . . Turn on the news, and I didn't realize someone needed to be a genius to figure that out !!! more

Resolved Question: why do lawyers advertise filing bankruptcy to protect your home from foreclosure ?

If I can't afford to pay my current mortgage anyway, how am I to save it? I have no disposable income for a chpt.13 filing which is the one to file to save your house, is it safe to assume that a chpt.7 will dely my foreclosure long enough to possibly sell it? more

Resolved Question: My daughter recently filed bankruptcy. they need to refinance before they lose everything. HELP?

They filed last October or November. She was off work due to an illness for about 2 months. This put them far behind on their house payments and their car payments. They want to pay everything but they would love to either consolidate, or have a credit counseling company call all of their creditors and make arrangments for payments through them to pay the bills. She had called one comapny that advertised that they would do this and they would make one monthly payment to THIS company. When they called the number the counselors gave them, they said that they do NOT lend out money. They knew this but the lady was not very nice and not very helpful. They need help and they need it now. Also, they have a 5 year old sone andare pregnant with twins and due in October. Losing their house and cars would not be good. more