Posts tagged ‘Before’

Marriage Counseling Before Marriage

Let’s start this article off and simply say this. In my opinion, couples should go for counseling before they get married. This will help them to identify trouble spots, which will crop up later on in their life. They can rectify this problem after wards. Going for counseling is not yet popular among the people since they take it as a weak point. Couple who have strong marriage relation will also get the benefit if they take the service of professional counselors.

There are different stages in marriage. First step is for the couple to get married. Even if the couple are in love for some time and have meeting each other occasionally, there are so many things about each other, which they really do not know. Couple who live together and if they want to get married, still they must take the help of a counselor. They might not have thought about household workload and the finance involved. The counselor will highlight these problem areas and the couple can sort out this problem before the marriage.

Once a couple decide to get married they should approach a professional counselor and find out the trouble spots and get it rectified so that they are ready for the commitments which a married life demands. Counseling not only strengthen the relationship but also help to find out the trouble spot and rectify before it becomes a big issue, which ends up in fights. The number of fights will increase gradually. To avoid the situation you must visit a counselor before marriage. When the couple talk to an experienced counselor, he will come to know where the trouble can crop up, with his experience. It does not matter whether the couple tries to put forward their best form. The counselor will filter out trouble spots immediately while you speak to him.

Second stage is the arrival of new born. There will be a lot of excitements. But at the same time there will be ups and downs as well. Normal schedule will change. More responsibilities will be there. With each child birth the schedule will also change. Counseling at this stage will help the couple to deal with the situation during ups and downs. Counseling will help to keep the channel of communication open, which is very essential in couple. For a given situation, both the couple will react differently. One should keep others interest in mind. Counseling will help them to identify the trouble spots. That way one can avoid the situation if possible.

Most important thing to remember is that counseling is not a weakness, as people believe. It does not mean that the people who go for counseling are having weak relationship. Couple with strong relationship can also take the help of a counselor. It will help you to strengthen your relationship, which will last longer.

Will Credit Relief Agencies Be Willing to Offer Free Legal Advice Before I Sign Anything?

Credit agencies have earned a lot of reputation these days, thanks to the amazing performance and the amount of success in helping people in eliminating debt. Studies reveal that more than 70% of the people opting for credit relief are now able to wipe out their debts. So, if you are now confused whether such an agency is reliable and whether you should risk investing on these services, you should go through the following points.

According to the recent amendments in the legal procedures, the debtor has all rights to seek negotiations with the creditors. There are few qualifying conditions that allow you to go for the relief services. If you are still confused where to enter into any agreement with them, here are few points to consider:

a)The credit relief agencies have the whole intention to help the debtors to get the maximum possible relief from the debtors. They operate as a building bridge between the debtors and the creditors and provide a platform for you to convey your limitations.

b)Most of the top rated agencies have provisions of providing relief counseling to the debtors. So, you can always walk to them and discuss with them your problems openly. They are the right people to seek advice whether you should go for negotiation or consolidation. They can assimilate all your current liabilities and advise you on adopting any such relief program.

c)It is possible for you to seek advice from these relief agencies before committing to their services. None of the agencies deny any such service since they believe in providing all information to the debtors.

d)You are not required to pay the debtors without getting any service. So, you can be confident that they will perform their best. None of the agencies charge their fee before putting their services.

So, if you are still confused whether these agencies will give you free advice before you enter into an agreement with them, you can be confident and march forwards to discussing with them and finding a formidable solution.

Credit Counseling Services: Warnings plus Factors to Understand Before Enrolling inside a Plan

Credit Counseling Services: Warnings plus Factors to Understand Before Enrolling inside a Plan

Credit Counseling Services provide a mainstream plus non-confrontational system for reducing a monthly credit card repayments. There are numerous advantages to a cre…
Video Rating: 5 / 5

What is Credit Counseling?  Discover regarding Debt Relief Options - Take Charge America, Inc.

Do we recognize how credit guidance is different from different debt relief choices? Mike Sullivan, Director of Education at Take Charge America, discusses t…
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Credit Counseling Before Bankruptcy

According to laws passed in 2005 that affect Maryland bankruptcy, an individual must receive credit counseling at least six months before filing for bankruptcy. This credit counseling provides them with the information and helps them decide whether they need to file for chapter 7, which is liquidation, or chapter 13, which is a three to five year repayment plan. Chapter 11 bankruptcy is for businesses and, thus, individuals do not need to concern themselves with it when considering personal bankruptcy.

Credit counseling might help a person decide that they do not even need to file for Maryland bankruptcy. Instead, they negotiate with their creditors and come up with a more modest repayment plan so they don’t have to resort to bankruptcy. However, if Maryland bankruptcy is necessary, it does provide several benefits to the filer, be it chapter 7 or chapter 13.

To begin, once you have filed for Maryland bankruptcy and have hired a bankruptcy lawyer, all creditors must deal with you through your lawyer. Sometimes, creditors’ collection activities might verge on harassment, and even threats, of which are illegal, though most people might not know that. Your lawyer, however, will.

This is a result of something called an automatic stay. Once a bankruptcy case has been filed, either chapter 7 or chapter 13, an automatic stay goes into effect. This prohibits any act to obtain money or personal property from a debtor. Lawsuits involving such debts must also stop.

A creditor, or someone acting on a creditor’s bequest, cannot violate an automatic stay or they risk being tried for contempt of court. Further, the automatic stay means that any property that has been seized and repossessed must be returned to the debtor. Foreclosures or sheriff’s sales or anything else resulting in loss of the debtor’s personal property must also cease.

This provides breathing room so the debtor can file and reorganize their debts, and lives.