With most of their income going to pay creditors, he robbed a bank every month, demanding only enough to pay his monthly hotel bill.Another family of five, says Ryan, was paying their creditors so much money each month they only had $50 left for food. "After one child died from malnourishment. Social Services put the other two children in foster care and threw the parents in jail for child neglect."Ryan offers these warning signs that it may be time to declare bankruptcy:? You've cut back on every essential and paying your creditors causes you to fall behind on your essential payments, such as your mortgage/rent, car payment, insurance or utilities.? You are losing sleep, constantly arguing with your spouse, considering divorce or contemplating suicide because of financial pressures.? You are considering doing something illegal, or thinking of pursuing shady credit repair strategies, in order to relieve the pressure of dealing with your creditors.? You are jeopardizing your family's health, nourishment or home in order to pay creditors.Anyone who identifies with one of these warning signs, says Ryan, should schedule a free consultation with a bankruptcy attorney and explore their options. "It's called the Bankruptcy Protection Act for a reason: to give people a fresh start, to help you get a clean slate," reminds Ryan.If bankruptcy is your best option, Ryan warns against immediately jumping at new credit offers, as so many people do. Your best strategy? Avoid getting any new credit for one year, says Ryan, who offers bankrupt consumers a free tip sheet on the Do's and Don'ts of Bouncing Back from Bankruptcy at her website, www.newcreditafterbankruptcy.com"It takes more than becoming debt free to break the debt cycle.

You have to change the attitudes and habits that got you into debt in the first place," says Ryan. "Consumers who do that have a much better chance of having a secure financial future.".

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Prescriptions weren't being filled in a timely manner and her children did not provide her with sufficient food. She contacted Senior Resources and the staff contacted the authorities and legal counsel to help her with her plight. Other members has saved thousands of dollars in legal fees for living trusts, wills and other financial matters. MEMBERSHIP BENEFITSThe TOLL-FREE Senior Hotline gives you a gateway to information and resources impacting seniors, including:

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• Receive special member's rate on our inaugural Grandparent/Grandchild Cruise Summer, 2004. Create an oral and visual family history with your grandchildren and learn much more.

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Lee and Douglas M. Neistat established Senior Resources of America because they realize the significance of providing quality senior related services to people age 50+. Their philosophy is that this rapidly growing demographic group will continue to increase and it's vital that seniors and elders receive appropriate and skilled legal representation. Thomas R. Lee has been practicing Senior Law since 1974 and has represented over 10,000 seniors.

Mr. Lee is a member of The National Academy of Elder Law Attorneys and The American Society on Aging and the California Advocates for Nursing Home Reforms. Douglas M. Neistat was admitted to practice in 1973 and specializes in asset planning and protection, business reorganization, bankruptcy and debt restructuring. He also served as a non-executive director for West 175 Media Group, Inc.; a public company listed on the London Stock Exchange from 1996 to 2002 and chaired its remuneration committee.

Mr. Neistat is certified as a Mediator to the United States Bankruptcy Court and laws appointed by the Los Angeles Chief of Police to its financial counseling team.One low annual fee of $19.95 USD...less than six cents a day...gives you a world of resources and informationCALL NOW FOR INFORMATION AND TO JOIN ? -800-819-7522. http://www.seniorresourcesofamerica.com/Senior Resources of America?"Solutions for Life".

It can reduce BOTH your interest costs AND your monthly repayments, putting you back in control of your life.Debt Consolidation Loan rates are variable, depending on status.Your monthly repayments will depend on the amount borrowed and term.--You may freely reprint this article provided the author's biography remains intact:.

"The American taxpayer should not have to foot the bill for United's incompetence and mismanagement." United Airlines has petitioned the U.S. Bankruptcy Court to stop making its pension payments as of June 30, 2005, and wants the U.S. government to fulfill those pension obligations. Already the Pension Benefit Guaranty Corporation (PGBC) has announced its settlement with United to become trustee of the company's four pension plans. This is awaiting approval by the Bankruptcy Court, and a ruling is expected from the Court in the Northern District of Illinois on May 4.

The bailout, points out Carkeek, will set a dangerous precedent, because other airlines in financial difficulties will expect similar treatment, further burdening the American taxpayer. And it's not just the taxpayer who suffers; United's own workforce will too. Even as it is unable to fulfill its present obligations, United is promising its current employees even greater pension benefits. According to the terms of the bailout and the PGBC's partial guaranty, United's host of pensioners will not be receiving their benefits in entirety."United should not be allowed to run away from its obligations," says Carkeek. Even if United goes bankrupt, its asset sales should fund the pension payments, and it should not be allowed to promise greater benefits to its current employees.

"For long, United has claimed that it has been flying the friendly skies, but these moves on its part make it a very unfriendly airline indeed," says Carkeek. "By being pro-active and speaking out, we can ensure that United Airlines does not push the burden of its own obligations onto the hardworking, taxpaying American."About Retirement-4-U:Retirement-4-U is a consultancy for successful retirement, providing accurate, unbiased retirement plans for a simple one-time fee. Since 2001, Retirement-4-U has been putting its 80 years worth of combined experience and its proprietary retirement planning software to the service of thousands of clients across the United States, ensuring that their post-retirement days are comfortable and secure. For more information, please visit http://www.retirement-4-u.com/.Contact:Stephen B. Carkeek601 Van Ness Ave., Suite E3-513 San Francisco, CA 94102925-922-0122.

It is our intent to educate families on how to properly protect themselves in negotiations if threatened by foreclosure and to offer suggestions for financial planning to prevent future foreclosure attempts. Addison received a BA in Political Science and graduated Cum Laude from Winthrop University. He received a Jurist Doctorate degree from the University of South Carolina School of Law. The two authors have counseled thousands of homeowners facing foreclosure due to job loss, illness or family problems and have identified the American family as the target of an entire foreclosure investment industry that generates huge profits off of the despair of others. They have also been published in Service Management, one of the leading magazines that mortgage lenders rely on for industry news. The authors are trained speakers and have provided keynote addresses to leading banks on the topic of loss mitigation and default management.Your readers can obtain a free copy of How to Save Your Home by sending a postage and handling fee of $8.53 by check or money order to Save Your Home, Free Book Offer, P.O.

Box 25125 Columbia, SC 29224 or by calling 1-877-863-9880. Order online at www.syhuniversity.comTo schedule an interview with Mr. Herbert Addison or Michael Taylor or to request a review copy of How to Save Your Home, please contact Pamela Busby at SYH University at 877-212-1880 or e-mail protected from spam botso.

Riley, retired U.S. Marine and inventor of DebtBlaster. "He needed a plan to help him pay them down, so I developed software that does all the calculations with a few clicks. Now I help others do the same so they don't have to bring anyone else in on their problems."DebtBlaster software helps the consumer create a month-by-month debt management plan in the privacy and comfort of home, avoiding the embarrassment of disclosing finances to a stranger and the high fees often charged by debt counselors. The consumer enters the annual percentage rates, monthly payments, and outstanding balances for up to 30 loans and credit cards into DebtBlaster, which automatically calculates when each debt will be paid.

It creates a personalized payment schedule, offers a choice of seven different payoff strategies, and makes it easy to pay down a unique collection of debts with interest charges as low as possible."When a consumer looks at her bills, all she normally sees is payments and balances," says Riley. "My software shows exactly when each debt will be gone. Sometimes just knowing there is a definite finish line ahead is enough incentive to follow the plan."DebtBlaster is available from ZilchWorks for $39.95 at www.debtblaster.com, which also offers the free Credit Card Math program as well as free information on budgets, credit card ratings, automobile loans, and inflation.????Contact: Michael J. RileyZilchWorks 30 Camelback Rd.Marstons Mills, MA 02648508-776-4825e-mail protected from spam bots.

Mason, and over the hill to north end of Van Ness for the Finish, next to Aquatic Park.Key Facts:Name:????Emerald Nuts Across the Bay 12K' -- Emerald Nuts, from Diamond of California, title sponsor, after original sponsor (Houlihan's Restaurants) ???declared bankruptcy. Entry:???$30 pre-reg. & $35 race day includes finisher T-shirt and refreshments???? www.rhodyco.com - for info. & online registration, or: (415) 759-2690Benefits:???Edgewood Center for Children & FamiliesHistory:???21st Annual (formerly known as ?Houlihan's 12K')Highlight: ???12K Championship for Pacific Association of USA T&F - $5,000 prize money.

There are specific tax advantages with a second mortgage that are not associated with other personal loans.Drawback: A second mortgage may be risky if the borrower is late on payments. It can result in the loss of a home since home equities require the property as collateral. Another disadvantage are the points (1 percent of the borrowed amount) paid on the interestCredit Counseling and Debt Management ServicesAdvantage: Organizations who offer debt solutions during uncontrollable makes sense - theoretically.Drawback: A number of businesses extend credit and debt counseling management, charge exorbitant fees. Even more worrisome, they neglect to provide the services they promise. Certain debt consolidation programs fail to disclose certain costs or articulate important terms; such as the borrower is signing away their home as collateral.

Another important negative aspect of certain credit counseling agencies is the failure to explain that the debt program is really a Chapter 13.BankruptcyNot the best choice, personal bankruptcy is deemed an aspect of debt management. In theory, it should always be the last option. There are many intricacies of a bankruptcy not often disclosed. Primarily, there are two types of bankruptcies: Chapter 7 and Chapter 13. A Chapter 7 - or a straight bankruptcy entails complete liquidation of all assets exempt in the state.

Certain property can be passed over to creditors or even sold by court-appointed authorities. Chapter 7s may be filed every six years, only. Chapters 13s authorize the debtor to keep housing property. During a 3-5 year period, the reorganization allows the indebted to pay a default opposed to relinquishing property.Advantage: The underlying advantage of a bankruptcy it offers a clean slate or fresh start for the consumer who is unable to meet their financial obligations. Both types of bankruptcies (Chapter 13 and Chapter 7) can clear any unsecured debts.

Moreover, they both can cease debt collection activities, garnishments, foreclosures, repossessions and shut-off utilities. Both types of bankruptcy feature exemptions which enable the indebted to keep certain assets; however, from state to state exemption amounts vary widely.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.Drawback: The downside of a bankruptcy is how it tarnishes an individual's credit report for ten years. The blotch prevents acquiring financing or credit challenging. As a result, seeking employment, the purchase of a new home or even life insurance may impair the ease of approval. Additionally, filing a personal bankruptcy will not eradicate other financial responsibilities: alimony, child support, taxes, student loans, and fines.Personal LoanA way to consolidate all debts into one bill is with an easy debt-free loan.Advantage: There is a wealth of personal loans on the market.

Finding a loan with ordinary terms and a reasonable interest rate can cure all financial woes in one solution.Drawback: There really aren't any drawbacks with a personal loan. As along as a consumer devises a budget and researches the best personal loan to fill their monetary needs.All across American companies prey on the financial depravity of consumers. As long as the indebted thoroughly analyze all of their debt and lending options, they can avoid the perils of the predatory organization. Compared with the other choices bankruptcy and debt consolidation, personal loans outperform all financial options. Since it offers complete control to the consumer, it diminishes the risk of eternal debt.? About-Personal-Loans.com.

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The website also provides the latest real estate news with top-rate mortgage information. American Mortgage Specialists is a California and Arizona mortgage company based out of Chandler, Arizona offering a wide array of loan programs and services. Please feel free to scan their website and send them an e-mail or contact them via phone toll-free, at (877) 551-8188..

Personal debt excluding mortgages is about $19k per household on average, over half of which is on credit cards, a figure that is triple the statistic of 1990.Nowadays, over 40% or US families routinely spend more each year than they earn. The difference? Financed by debt.Convenient to use? That credit card convenience ends up costing the average Joe 12% more than paying by cash.If you only ever pay the 2% minimum monthly payments, each $1000 you owe will take nearly 22 years to repay and will add a further ?2,300 to the bill, meaning you effectively pay $3,300. Despite this being common knowledge, almost 60% of credit card users DON'T pay their credit card bills in full each month. This reliance on high interest credit cards means that the average US family pays about $1,200 in interest on their cards each year, at an average APR of 18.9%.90% of Americans 'are not concerned' by their credit card debts, although about 50% of them would refuse to tell a friend how much they owe.A quarter of adult Americans have 'maxed out' a card at some time or other.A tenth of them have been hounded by collection agencies for late payment, the same amount as have gone at least 30 days overdue on their credit card bills.The typical US student has 7 credit cards, and a significant percentage of them (over 10%) owe $15,000 or more on them.Credit cards encourage you to spend more. In surveys, it was found that paying for junk food with a card as opposed to cash led to a 50% increase in spend.

You want fries with that?Far from becoming rich, the average middle aged US citizen is only worth about $40,000, and that INCLUDES any equity in their homes. The rest of it belongs to banks and lending institutions. This reflects the drop in personal savings, down from 8% of income to less than 1% in 2004, thanks mainly to the poor returns on savings accounts, and the easy availability of credit.In 2002, the sum total in card fees for the US credit card sector was $45 billion. It is expected to top $60 billion by the end of 2004. Whichever way you look at it, the credit card business is enormous, and has a sincerely vested interest in getting you into debt, then keeping you there..