Considering Chapter 7


D

Dave the wave

I have only very few assets (les than $10,000 total). A divorce,
unemployment, and a medical condition have helped me accrue a rather large
credit card debt.
I am doing freelance work which has only made it possible to make the
minimum payments, but has kept me from falling behind on all but one of
credit cards. Since I don't have steady income I am living on the brink
every month.
A lawyer recommended I consider bankruptcy. I could file a Chapter 7 and
have all my debt (since it is all credit card -unsecured- debt ) wiped out,
but I am concerned about the consequences. I haven't been able to find
anything that clearly and/or thoroughly addresses how Chapter 7 affects your
life after it's been filed.
I understand it adversely affects one's credit rating, but what does that
mean practically? I will pay a much higher interest rate? double points?
I've read that one can still get credit cards, but will they be only those
cards which carry high membership fees and/or secured by a bank account?
What other areas of life does a Chapter 7 affect? (I know that I have to
change the way I live or I will end up right back where I am right now. My
medical condition has greatly improved, and I am having more success in
generating income -though I have not been able to secure consistent
recurring income.) Aside from how I change my life, what does having filed
for bankruptcy (Chapter 7) force one to change?
Appreciate all experienced and/or knowledgeable responses.
 
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T

Thomas Miller

Dave the wave said:
[various issues about whether or not to file bankruptcy]
Hi Dave,

I am an attorney in Boston. I have fifteen years experience
helping businesses, families, and individuals resolve overwhelming
debts and taxes. Recently I put up a website. If you have the
time, I would appreciate it if you would look at the site

http:/www.insolvencyhelp.org

and then email me with any suggestions you have about how
I could make the site better. My goal for the site is to help
people such as yourself understand their situation and the
available options.

Thanks!

Kindest regards,

Tom
 
D

Dave the wave

I have to be honest with you and say I didn't find your site very helpful.
In my own opinion, it is very wordy without ever seeming to go anywhere.
Especially the section where you describe various tactics for getting out of
debt. If I were interested in becoming a financial planner I might be
interested in a lengthy description of these tactics and how they can be
overlapped to solve financial problems.
I didn't find the introductory information very helpful either, though I
intend on revisiting this page when I devise my plan for going forward.
Lastly, and perhaps I am different than your typical debtor, I have detailed
information about financial condition. I know every creditor and how much I
owe. But as this situation becomes more and more unbearable, if I don't know
a detail, or relay a wrong or understated value it is because I don't want
to admit how bad it is. I dread paying bills, fearing I won't be able to
cover the minimums this time. I've caused myself more problems because of
this. There have been times when my payment was late, not because I didn't
have the money, but because I just couldn't face the situation and
subconsciously put off paying my bills.
I appreciate your comments and hope mine will be of some help to you. You
might want to create another level to your web site. An intermediate layer
that is more brief and guides users to areas that will help them according
to their present circumstances. (Far easier said then done.)



Thomas Miller said:
Dave the wave said:
[various issues about whether or not to file bankruptcy]
Hi Dave,

I am an attorney in Boston. I have fifteen years experience
helping businesses, families, and individuals resolve overwhelming
debts and taxes. Recently I put up a website. If you have the
time, I would appreciate it if you would look at the site

http:/www.insolvencyhelp.org

and then email me with any suggestions you have about how
I could make the site better. My goal for the site is to help
people such as yourself understand their situation and the
available options.

Thanks!

Kindest regards,

Tom
 
K

K Kim

Also, one suggestion for your website, Times New Roman fonts are very
difficult on the eyes. Most professional websites do not use Times
New Roman now, though years ago Times New Roman was the standard on
internet. Your "bold" Times New Roman fonts make it even more
difficult to read.

It is believed that for font less than 12 points, Verdana and Georgia
are the better choice. And for font 12 points and more than 12
points, Arial is the better choice. In fact, Microsoft hires experts
to design Verdana and Georgia specifically for internet.

Times New Roman looks good on printing matters. But it does not work
on computer monitors.

http://www.scribe.com.au/tip-w019.html





Thomas Miller said:
Dave the wave said:
[various issues about whether or not to file bankruptcy]
Hi Dave,

I am an attorney in Boston. I have fifteen years experience
helping businesses, families, and individuals resolve overwhelming
debts and taxes. Recently I put up a website. If you have the
time, I would appreciate it if you would look at the site

http:/www.insolvencyhelp.org

and then email me with any suggestions you have about how
I could make the site better. My goal for the site is to help
people such as yourself understand their situation and the
available options.

Thanks!

Kindest regards,

Tom
 
T

Thomas Miller

Dave the wave said:
I have to be honest with you and say I didn't find your site very helpful.
In my own opinion, it is very wordy without ever seeming to go anywhere.
Here is the short version:

Step 1: Make a budget within your means

Step 2: Deal reasonably with creditors who can't be paid,
using bankruptcy only if necessary.

The rest of the site deals with how to do steps 1 and 2, except
that there is a page about why insolvency happens to people
and a page about web design.
I appreciate your comments and hope mine will be of some help to you.
Your comments are extremely helpful. Thank you very much.

If you wish to talk any more, please feel free to email me. I think
it's better to avoid getting too much into the details of anyone's
particular situation in a public discussion.

Kindest regards,

Tom
 
T

Thomas Miller

K Kim said:
Times New Roman fonts are very difficult on the eyes.
Most professional websites do not use Times New Roman now
Your "bold" Times New Roman fonts make it even more
difficult to read.
Thank you for your interesting comments. I think it is important
for people to be able to read my site directly on their computer
monitors.

I did not specify a font in the HTML code on the site. Rather,
the site is presented in whatever is selected as the default font
in the viewer's browser. My hope is that each viewer would have
set his or her browser to a favorite font. Also, I did not make
much use of the "bold" tag, but most of the text is wrapped inside
a set of "big" tags.

I would be interested to know what browser you are using, what
presently is set as your browser's default font, and whether
your browser renders <big> and <b> the same way.

The site has a page about web design at
http://www.insolvencyhelp.org/design.html

If there is anything I could do to increase your ability to view
the site easily, please let me know. I really appreciate your
taking the time to comment about the fonts.

Thanks again!

Kindest regards,

Tom
 
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K

K Kim

I am using IE6.

Times New Roman is the default font for all the browsers I know. Most
people do not know how to change the default font on their browsers.
So when people visit your website, they see Times New Roman font.

Times New Roman default font is the legacy when internet browsers
started about a decade ago. If you visit other websites, you would
notice that most professional websites have abandoned Times New Roman.
Times New Roman font is very difficult to read on computer monitors.
Times New Roman font is for papers, not for computer monitors. Papers
and computer monitors are two very different medium.

The only professinal websites I know which still use Times New Roman
are New York Times and Washington Post. They both are very
conservative in their approach in business and they both are newspaper
oriented.
 
J

John

Give the guy a break. It looks like he coded it himself and I'd say he did a
good job of it, with the exception of forgetting to put the "<!DOCTYPE...>"
tag at the top. I can read it fine. It's clean and it renders well on all
platforms, including Lynx. (That's a text-based Unix browser, in case you
don't know. And, yes, stuff appears in a serif font if that's what your
console uses.)

You're probably using one of those stupid GUI design tools that make pages
look like crap on anything other than IE. Real HTML coders use VI (or
emacs) and hand-code everything, not let some tool do it for them. That
way, the code is clean and the page loads fast on a dial-up connection.

Anyway, the point is to be well-organized and convey good information, not
razzle-dazzle the eye. I'd say he did that here.

J.

PS: In case you're wondering, yep, I'm a *nix fanatic.
 
T

Thomas Miller

K Kim said:
I am using IE6.
Times New Roman is the default font for all the browsers I know. Most
people do not know how to change the default font on their browsers.
So when people visit your website, they see Times New Roman font.
I really do appreciate your comments. You are quite correct
to point out that most people who visit my site are going to
see it in the default font of the most commonly used browser(s).

Also, I do agree with you in that Times New Roman is not my
current favorite font, either.

If you don't mind my asking, since you seem like somebody who
knows a lot about fonts and is very aware of them, why didn't you
change the default font in your IE6 away from Times New Roman?

Kindest regards,

Tom
 
T

Thomas Miller

John said:
It looks like he coded it himself
Yes, with a vi clone called elvis.
and I'd say he did a good job of it,
Thanks! :)
with the exception of forgetting to put the "<!DOCTYPE...>"
tag at the top.
Yes, this seemed a little too complicated for a beginner
like me. Since I was doing the site by hand I was a little
worried that I would mix up html versions, so I was looking
at the validation service at, iirc, W3C. Eventually I'll
get around to cleaning up the code and putting in the
doctype tag.

I can read it fine. It's clean and it renders well on all
platforms, including Lynx.
Yes! I use Lynx a lot. It's really fast.
Anyway, the point is to be well-organized and convey good information, not
razzle-dazzle the eye. I'd say he did that here.
Sure tried!
PS: In case you're wondering, yep, I'm a *nix fanatic.
Aint it great!? I like NetBSD, which runs well here on intel,
powerpc, and mips. The fact that a non-technical lawyer type
like me can get it going speaks very well for the NetBSD project.
 
Z

zuuum

Tom.. lol, I realize this is not a website development thread... but to
force a resident font, regardless of the default font set in user
preferences, use this tag <basefont face="arial, helvetica"> after <body> ,
unless your automated page editor inserts font info for every paragraph this
will force the font unless it is not resident on tyhe user's system. You
can add several alternates seperated by the comma and the broser will use
the first font, reading from the left to right, it finds installed on the
system.
 
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T

Thomas Miller

zuuum said:
to force a resident font, regardless of the default font set in user
preferences, use this tag <basefont face="arial, helvetica"> after <body> ,
What I was trying to do was simply to allow the default
font to be used.

If I understand you, what you are suggesting is how to
force a resident font which may not necessarily be the
default font. But that was not my goal.

If I misunderstood you, please explain to me again. I
really appreciate your taking time to look at the site
and to suggest how it might be improved. Thank you!

If you have any feedback about the content of the site,
I would be grateful to have your opinions.

Kindest regards,

Tom
 

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