By James P. Caher
With pointers on realizing -- and surviving -- the recent financial ruin legislation if you are contemplating financial ruin, you wish undemanding solutions and trustworthy recommendation. this useful consultant covers all of it -- so that you can get your funds in line and your lifestyles again heading in the right direction. This up-to-date re-creation covers every thing you want to learn about the hot financial disaster legislation and contains even higher assets. do not get determined -- get out of debt as an alternative! observe find out how to * Weigh the implications of financial ruin * deal with your spending * locate specialist assist you can belief * decide upon the correct form of financial disaster * go the capacity try out * hold extra of your stuff
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Extra resources for Personal Bankruptcy Laws For Dummies
Perhaps you lost your job, and you can no longer juggle your car and mortgage payments. Maybe you dipped into personal assets in a desperate (and futile) bid to salvage your business. Perchance your husband split and left you holding a big bag of joint debts. You likely bought into the easy-credit, instant-gratification, shop-till-you-drop mentality encouraged by lenders and retailers and found yourself mired in financial quicksand. In any case, things got out of hand and now you’re up to your ears in debt.
In 1800 — 11 years after the ratification of the Constitution — Congress passed (by a single vote) a national bankruptcy law that enabled debtors to wipe out unpaid debts. But the provision was repealed three years later because of creditor complaints. S. Supreme Court. By 1833, the federal government abolished debtors’ prisons. Honest debtors would no longer be incarcerated. But bankruptcy was still viewed as a remedy for creditors, not debtors. The tide began to shift when Congress, spurred by the powerful oratory of Daniel Webster, passed the Bankruptcy Act of 1841, a seminal event that established clearly that bankruptcy law was for debtors and for creditors.
However, the terms were rather harsh: Consent of the creditor was required, and anyone who fraudulently sought bankruptcy relief faced the death penalty. ). In fact, Robert Morris, known as the “financier of the American revolution” and a signer of the Declaration of Independence, spent three years in debtors’ prison (and six years in the United States Senate). Supreme Court Justice James Wilson fled Pennsylvania to avoid a similar fate. 11 12 Part I: Bankruptcy: The Big Picture Modern-day bankruptcy is rooted in the Bankruptcy Code of 1978, a federal law that was produced after more than ten years of careful study by judges and scholars.
Personal Bankruptcy Laws For Dummies by James P. Caher