a clean slate but will have to make payments on your debts. Also, your attorney now has to personally certify that your bankruptcy filing is accurate. This means more work for the attorney, with higher legal fees. Advantages of declaring Bankruptcy: Legal protection from creditors Takes care of all or most debt In some cases, can keep home and car May stop complete financial ruin Provides a fresh start Disadvantages of declaring Bankruptcy: Bad credit May have to repay partial debt load and return collateral to creditors May lose assets, including house and car (If the house is worth more than a certain amount). Bankruptcy becomes public record, and Remains on credit record for seven to 10 years ôIn the past, a bankruptcy offered a fresh start for the filer,ö said Columbia attorney Gwen Froeschner Hart. ôThe new federal legislation offers language directed at helping creditors.ö If you analyze credit card expenses for most people you'll see that they often include medical bills and day-to-day expenses for the elderly or those earning low or fixed incomes. Records show that 50% of credit card holders do not pay their full credit card bills every month. 33% of the population can't afford medical insurance so have to charge their prescription drugs. With the recent Medicaid cuts and rigid bankruptcy legislation who knows what is going to happen to these people. There are some who say consumers are abusing creditors. The irony is that credit card companies are begging for customers and offering large amounts of unsecured credit, yet at the same time, lobbying for stricter debt controls. Title: Are Rates Set For A Hike? Word Count: 310 Summary: Interest rates will rise by the end of 2006, economists are predicting. Leading economists are speculating that that the Bank of England will announce a one quarter point rise in the basic cost of borrowing, of interest to those seeking a mortgage or loan, before the end of the year. While the monetary policy committee (MPC) voted recently to hold interest rates for the 11th consecutive month, many economists are claiming that economic pressures, notably rising inflatio... Keywords: tml, mortgages, loans, interest rates, tracker mortgage Article Body: Interest rates will rise by the end of 2006, economists are predicting. Leading economists are speculating that that the Bank of England will announce a one quarter point rise in the basic cost of borrowing, of interest to those seeking a mortgage or loan, before the end of
piece
is
an
abstract
triptych
that
I
found
while
I
was
in
Atlanta
buying
religious
paintings
The
piece
was
called
Guardian
Angel
and
I
love
it
My
patrons
fell
in
love
with
it
as
well
They
have
asked
me
to
track
down
the
artist
and
see
if
he
has
anymore
religious
paintings
available
The
only
religious
paintings
that
I
actually
do
not
buy
are
ones
that
reflect
the
image
of
Jesus
on
the
cross
I
don’t
have
a
problem
with
them
some
of
them
are
extremely
well
done
and
would
more
than
likely
sell
well
but
my
investors
made
it
very
clear
when
they
financed
the
gallery
that
I
would
not
put
that
image
into
it
PPPPP
683
Ajello
Candles
The
motto
of
the
Ajello
Candle
Company
is
“It’s
better
to
light
a
candle
than
to
curse
the
darkness”
This
candle
making
company
has
been
in
business
since
1775
The
business
has
been
family
owned
for
seven
generations
The
candles
from
Ajello’s
are
well
known
for
their
beauty
and
quality
While
they
make
more
candles
now
than
in
1775
their
dedication
to
quality
and
to
customers
has
never
changed
The
Ajello
Candle
Company
was
founded
by
Rafael
Ajello
an
Italian
painter
He
was
also
a
beekeeper
so
he
tried
his
hand
at
using
bees
wax
to
create
candles
He
worked
hard
to
create
a
formula
that
worked
well
The
formula
combined
with
his
outstanding
artistic
ability
lead
to
the
birth
of
the
Ajello
Candle
Company
In
1785
the
company
earned
the
honor
of
creating
all
the
candles
for
the
Vatican
He
and
his
wife
ran
the
business
keeping
their
children
involved
in
the
processes
from
an
early
age
As
time
went
on
their
children
and
grandchildren
kept
the
business
running
as
well
as
passed
the
family
business
on
to
their
children
By
1862
the
company
had
established
itself
as
a
leader
among
the
candle
making
industry
They
had
also
added
perfumes
and
many
.
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