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When Should I Consider Filing for Bankruptcy?
“A person is insolvent whenever the aggregate of his property is not sufficient to pay his debts” – First State Bank v. Sibley County Bank, 105 N.W. 485
Instructions on Filing for Bankruptcy in New York
There is a long process when filing for bankruptcy. Here are some instructions Julio Portilla suggests when filing for bankruptcy:
Good News For Bankruptcy in New York
Former Governor Patterson gave people who are filing for bankruptcy something to celebrate. He passed a bill that raises the limits on several state property exemptions and allows debtors to choose between New York and Federal exemption limits. The bill may make this easier, but you always need to be careful when filing for bankruptcy.
Young Guns: TheFearless Entrepreneur’s Guide too Chasing Your Dreams and Breaking Out on Your Own by Robert Tuchman
Part of the American Dream is to own your own business. Millions of people have done this – but we also know that many people fail in business every year, many in the first years. So, is there a secret to succeeding as a new entrepreneur? There are a number of factors and Young Guns by Robert Tuchman is a very good place to get started.

Other chapter 13 Related Articles

Public Relations and Marketing for Emerging Companies
This is a chapter written for the American Bar Association's Emerging Business Series 2005 by Dawwn Marie Yankeelov, president of ASPectx. The chapter examines best practices and typical issues that entrepreneurial companies face as they expand operations.
7.0 Conclusions: Gender Entrepreneurship and Competitiveness in Africa 2007
This chapter shows that both men and women are active as entrepreneurs in Africa, and their enterprises share many common characteristics.
5.0 Diversification and Growth: Economic Report on Africa 2007
The presentation in the previous chapter has painted a varied picture of the results of Africa’s efforts to diversify its economies. At the same time, regional differences between Africa, Asia and Latin America were compared. The question then becomes why some countries or regions achieved breakthrough in their diversification efforts while others did not? Identifying the determinants of diversification is one part of solving this puzzle. Linking these policy instruments to growth and development outcomes through growth is the other part of the puzzle. This chapter is about fitting both parts of the puzzle together.
The Truth About Celebrity Branding(tm)
A Note from Nick & Jack: This month to celebrate the launch of our book, Celebrity Branding You™ we decided to include the first chapter of the book for you to review. Although we are giving it to you for free, please don’t think that is has no value and just throw it aside. Please use this chapter to get you started on the path to creating your celebrity status. We hope you enjoy it and welcome any feedback you may have!
What is the means test, and how does it apply to me?
Chapter 7 bankruptcy is the liquidation of your assets in return for having your debts pardoned. Chapter 13 bankruptcy lets you work with the court to find a way to pay off your debts. In order to prevent people from abusing Chapter 7 proceedings when they could be paying off their debts through Chapter 13, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 created the means test.
What is an automatic stay?
An automatic stay is created when a person files for bankruptcy under either Chapter 7 or Chapter 13.

What is the difference between a Chapter 7 and a Chapter 13 bankruptcy?
Sometimes you get into severe financial straits and have to rely on bankruptcy. When this unfortunate happenstance occurs, which form of bankruptcy do you choose? The two major forms of bankruptcy for consumers are Chapter 7 and Chapter 13. Each of these bankruptcy forms are designed to ease and remove debts from you, while at the same time paying off the bills as much as possible.

Personal Growth - Failure Consciousness versus Success Consciousness
After hearing a number of recommendations for the book Think and Grow Rich by Napoleon Hill, I downloaded a copy to listen to in the car. One of the first things the book says is to take it one chapter at a time, really absorb each one and integrate the ideas slowly, making them your own. Having to spend the next 2 hours in the car I initially scoffed at listening to just one chapter. The first profound statement hit me as the book unfolded in the first chapter. It said ‘the goal of this book is to help you move from a failure consciousness to a success consciousness’. I did indeed stop the book after the first chapter and give it some thought, which quickly made me realize how much of my life I have spent with a failure consciousness.
Should the UK and the Eurozone adopt America’s Chapter 11 format for bankruptcy?
In America, when a company gets into difficulty it can file for what is called Chapter 11 which is named after the U.S. bankruptcy code 11. Chapter 11 is a form of bankruptcy that involves a reorganisation of a company's business affairs and assets and it generally filed by corporations that require time to restructure their debts. In essence, Chapter 11 gives the company a fresh start, subject to the company's fulfillment of the obligations under its plan of reorganisation. Whereas in the UK, for example, a company has to either go into receivership or liquidation. Where a company goes into liquidation the business ceases and the company's directors appoint a liquidator to sell the assets of the company in order to pay off as many of it's creditors as is possible.
Don’t Allow the D’s in Your Life to Defeat You
Norman Vincent Peale, author of The Power of Positive Thinking is one of my all-time favourite persons. While preparing to write my usual Monday Rx blog post, I picked up the Miniature Edition of his book and it opened at the chapter “I Don’t Believe in Defeat”. What serendipity! That’s exactly what I was going to write about. For starters, here’s a quote from the chapter: “If you are thinking thoughts of defeat, I urge you to rid yourself of such thoughts, for as you think defeat you tend to get it. Adopt the “I don’t believe in defeat” attitude.”
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