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What Do Bankruptcy And Animals Have in Common?

if-bankruptcy-were-an-animalWhen sitting down to write this post, I had a long hard think: If bankruptcy were an animal, what would it be? Would it be a fierce predator, ready to make its attack on its unassuming prey, or would it be the prey itself, quivering behind a bush and plotting its escape?

Sometimes you may feel like bankruptcy is the predator and you are the prey – something that on first glance, you are entirely justified in believing. But let’s take a step back for a moment and think. Bankruptcy is a form of debt relief. It did not occur to cause you financial problems; it is there as a result of them. In short: by discharging your debts and filing for bankruptcy, you are able to start fresh financially. It ends your financial worries.

You could almost go as far as to say bankruptcy is rescuing you from a financial future riddled with stress and debt. So referring back to the question at the beginning of this post: if bankruptcy were an animal, what would it be? Which animals spring to mind when thinking of rescue?

Perhaps a seeing eye dog? Fiercely loyal to their owner during times of need, these dogs are specifically trained to provide a service to the visually impaired. They are protecting them against unexpected obstacles, and ensuring they reach their destination safely and unharmed.

I’m sure you can see where we are going with this. Isn’t this exactly what bankruptcy does? It provides a service to those struggling financially, protecting them against their mountain of debt and ensuring they are put forth on the road to a fresher, brighter financial future – safely and unharmed. Just like a seeing eye dog, bankruptcy guides people along the right path. Credit Counseling, Debtor Education…these are both found on the route to your fresh start.

At first this may seem like a far-fetched comparison, but the point to note is that the negative perception of bankruptcy is far from the truth. Upon reflection, the opportunity to have your debts discharged through bankruptcy is actually something to feel good about. It is your opportunity to begin again. Like a cat – you are being given an opportunity to use the 2nd of your 9 lives. And this time you will land on your feet. Just like a cat always does.

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The Bankruptcy Video Game: Would You Buy It?

bankruptcy-gameAre you, or have you ever been, an avid video gamer? Could you easily watch the hours fly by as you engage with quirky characters from virtual realms, defending fictitious countries against demons and dragons? I always remember such a sense of satisfaction whenever your weapon of choice would completely destroy the enemy. Bankruptcy demons, watch out.

One of the main purposes of a video game – despite being a fantastic way to procrastinate during exam season – is the offering of an escape from reality. It allows us to forget our stresses and strains for a short time – or a long one, depending on how soon those impending exams are. As your typical ‘angry-at-the-world’ teenager, I also took great comfort in the fact that putting my metaphorical gaming hat on and disappearing into an interactive dimension made it a lot easier to block out the people around me.

Regardless of who you are, people’s unwarranted contributions and opinions can still grate. No matter what you are struggling with, people will claim to understand your situation even better than you do yourself. In going through bankruptcy, there will be an abundance of people offering their points of view on the subject, and more often than not it will be from those who have never truly contemplated the true stresses and strains associated with such a financial struggle.

For example.

“It could be worse.”

Don’t you just hate that expression? It is almost as bad as, “We’ve all been there” – but not quite. There you are, allowing yourself a short amount of time to wallow in some self pity, and someone comes along and takes your right to complain straight out of your hands. “It could be worse,” they say, “Imagine if X, Y, Z…” They then proceed to rattle off a list of – admittedly awful – circumstances that could worsen your predicament quite significantly. But sometimes during periods of struggle and distress, all we need is an empathetic ear.

We want to complain that we are struggling. We want to dwell on the fact that the process of having our debts discharged is a tedious and laborious one. It is stressful. Not the end of the world, admittedly, but stressful nonetheless.

In short, we want a pick-me-up. It is nice to be reminded that in filing for bankruptcy, you are not defining who you are as a human being. It does not constitute your character or genetic makeup. It is not a determinant of your future successes. Consider it one of life’s inconveniences that you are currently suffering through, and so long as you are being proactive in rectifying the financial wrongs, you are allowed to let yourself experience whatever emotions come to hand.

At Affordable Bankruptcy Courses, we are experienced in the bankruptcy arena and the wide emotional spectrum that comes with it. Fear, anger, sadness…we’ve seen it all. We offer people their much-needed escape from reality during this time, in helping them towards the discharging of their debts. There are no demons and dragons in our world, just the Credit Counseling and Debtor Education needed to get you on the road to financial success.

If you are considering filing for bankruptcy, you are welcome to play our video gameentirely metaphorical, but unbeatable in terms of the rewards you reap from playing. That way you can proactively tackle your financial struggles while always looking forward. And if you feel like taking a moment to yourself, that is entirely warranted. Allow it.

In short: even though it is never a good thing to dwell in negativity, sometimes we just need to let it out of our system. And that is ok, so long as it is sporadic. After a short amount of wallowing, it is time to pick yourself up and remind yourself of the positives.

Like ice cream. No matter how bad things get, Ben & Jerry will always be there for you.

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Bankruptcy Filers: What is your secret? What makes you human?

fresh-financial-start-bankruptcyThe other night as I was engrossed in a murder mystery series on television, I found myself struggling to keep up with the twists and turns as the plot developed. Each and every character had so many secrets; ones you would never had known existed had they not fallen to their knees and confessed to them in the final scene.

It made me think of the board game Clue. Did you ever play it? Entertainment based on the same principle, it is a murder mystery game designed to sharpen your detective skills by identifying the scene of the murder, the weapon used and the murderer themselves. Hours of fun could be had with this game, as you would tactically choose different strategies to either withhold or provide information to the other players in the game, determining the likelihood of anyone solving the crime.

This got me thinking. What information have you shared with those around you, and what do you withhold?Maintaining that element of mysteriousness and privacy is a human survival instinct – we are protecting ourselves. Secrets – we all seem to have them, hidden behind the smiling exterior we want everybody else to see and believe… such is the complexity of human nature.

I tried to apply this to my own situation, and thought about what information I withhold from those around me. To the frustration of those closest to me, I am very private by nature and much more of a listener than a talker. For example: despite my young age, I have moved abroad twice, most recently to America. And I can honestly say it has been the hardest thing I have ever done. I kept this a secret from my nearest and dearest, but adjusting and integrating into a completely different culture, coupled with the financial stresses of such a move, really took its toll on me. I often wondered if I made the right choice, and so eventually decided to share my burden with my family. I wanted to turn this around, and focus on the positives. They helped me see that despite everything, the move strengthened me. It showed me new experiences, new cultures, new people…a way of life that was new and interesting to me. I learned from it. As they said, this was a great opportunity for me – regardless if it turned out to be the wrong one – and that nothing is permanent. If you don’t like something, change it. It was my chance to start fresh, somewhere new. Similar to those struggling financially, I was offered a clean slate to build a life again.

So perhaps this was a little longwinded in getting the message across, but I just want to convey that no matter how bleak things may seem, you too can start fresh and learn from your experiences, as I did through mine. Your struggles are not permanent. If you don’t like your financial situation, you can take the necessary steps to change it. You can take the required Credit Counseling and Debtor Education, to get you on your way to having your debts discharged. You can also learn about budgeting, and research financial rebuilding tools to help get you on your feet afterwards. And in the meantime, try sharing your financial worries with those closest to you…as mentioned several times on this blog, a problem shared is a problem halved.

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Bankruptcy? Oh, Crumbs.

bankruptcy-metaphorYou may have read the news this week about Crumbs Bake Shop closing all its stores. Since its establishment in 2003 it rapidly became a successful New York chain, though suffered as the excitement surrounding the infamous ‘cupcake craze’ died down. Perhaps inevitable, given that the cronut and ramen burger suffered the same fate in recent years. Yes, the hype surrounding food crazes is often dramatic, yet short-lived. Currently, the health conscious individuals among us have propelled juice cleanses and gluten free food to center stage…but for how long?

The takeaway is, fads may come and go, but the components – the ingredients – stay the same.

It is the same concept regarding bankruptcy, and the need to rebuild after. As tough an ordeal as a bankruptcy filing can be, the key components remain the same – comparable to baking a Victoria sponge cake. The toppings and decoration may vary – similar to the creditors and debts listed on your credit report – but the sponge itself remains constant.

For your bankruptcy cake, you need to find an EOUST-approved provider of the required Credit Counseling and Debtor Education to be able to discharge your debts, as well as a licensed bankruptcy attorney. You need to grasp how to budget effectively, and research other rebuilding tools and resources to start fresh once your filing is completed. Mix these ingredients in a bowl, with a sprinkle of optimism and faith in yourself, and your mix is ready.

Cheesy? Perhaps this should have been a cheesecake recipe?

Step 2. Similar to monitoring the amount of time your cake spends in the oven, you need to keep close tabs on your spending habits. As previously mentioned, budgeting is essential when embarking on the road to financial stability and success after a bankruptcy filing. It can be a struggle at first, but once you get into the routine of monitoring where each and every dollar goes, you will feel a lot more positive. You will have control of your finances – the best way to ensure you never have to file for bankruptcy again!

Did your cake burn around the edges? Cut these areas off. There is no room for self-doubt in this delicious culinary masterpiece. Don’t worry if the cake isn’t level, or perfectly round in shape. We aren’t aiming for perfection here. Try not to put any extra pressure on yourself by having unrealistic expectations, because that is just setting you up for failure. In just achieving one small thing each day and setting smaller, more manageable goals, you are offering yourself the best opportunity to succeed – in all areas of life.

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Authors To Inspire You Through Bankruptcy: Stephen King

stepsSwitching our focus onto more contemporary, modern day authors, the Affordable Bankruptcy Courses road of blogging has brought us to the doorstep of Stephen King. If you are a fan of science fiction, fantasy and horror novels, then his books are definitely for you. Don’t like reading? Then try one of the many feature films adapted from his books: The Shining, Rose Red, The Green Mile, The Mist, It, Misery, Carrie to name a few. Quite frankly, it seems almost impossible to not have seen or read anything by the genius that is Stephen King. However if you are one of the unfortunate few (yes, his books really are that good) reading this article who are hearing of him for the very first time, then prepare yourself for a literary awakening!

During a time as difficult as bankruptcy, you may be feeling at your most vulnerable. But it is important to stay smart. As King wrote, “The trust of the innocent is the liar’s most useful tool.” Don’t let people take advantage of you during your period of financial distress. Make sure you choose an experienced, licensed bankruptcy attorney and know what questions to ask when preparing to file and have your debts discharged.

As difficult as it may sound, try not to let bankruptcy consume your thoughts, feelings, days, nights…life in general. Every day may not be wonderful, but there is some wonder in every day. “You can’t deny laughter; when it comes, it plops down in your favorite chair and stays as long as it wants.” Put simply, happiness is important. If you need to laugh, laugh! Laughter is one of the best medicines, and everybody deserves the chance to be happy – don’t let bankruptcy deny you of this simple joy.

“When asked, ‘How do you write?’ I invariably answer, ‘one word at a time.’”

When faced with the concept of having to file for bankruptcy, what is the best way to approach it? One step at a time. Trying to take on everything at once will only add even more stress to the process, which you don’t need. Try to break things down into smaller pieces – remember, a burden shared is a burden halved. For example, first set your mind on finding an EOUST-approved bankruptcy course provider, to offer you the Credit Counseling and Debtor Education required to file for bankruptcy and have your debts discharged. Only when you have completed these, should you mentally take on the next challenge. Don’t overwhelm yourself. There are tools and resources out there to help you repair and rebuild after you have completed filing too. You are not alone!

One word that cannot be associated with the bankruptcy process is ‘fun.’ In fact, on first glance it may seem difficult to find positive associations – although this has been challenged in one of our past blog entries. We would recommend you give it a read and see if it changes your perspective! Furthermore, Stephen King had a very positive life philosophy, and believed heavily in learning through experience. He said, Every book you pick up has its own lesson or lessons, and quite often the bad books have more to teach than the good ones.” So even though bankruptcy is hardly ideal in comparison to financial success, just think of the lessons you are learning throughout the process. You can, and will, get through this. All it takes is a positive mental attitude.

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Authors To Inspire You Through Bankruptcy: Oscar Wilde

dublinOscar Wilde. Arguably the most popular playwright of his time, it is the general consensus that even today, his teachings hold relevance in society. You would be hard pressed to find a modern day English Literature syllabus without the teachings of Oscar Wilde, as so much can be learned from his written word. And it is not hard to see why – in writing this post, we actually had trouble narrowing down the few quotes to use, because so many were useful and applicable to the message we are trying to convey to our readers.

Oscar Wilde was a literary genius. He famously said, “Nothing that is worth knowing can be taught.” In saying this, he means that we learn the most valuable, important lessons through experience alone. Being taught such things from others is no substitute for having gone through it yourself. Now by no means are we suggesting people should deliberately put themselves in undesirable financial situations, but according to Oscar Wilde, knowledge is no substitute for experience. Put into context; struggling financially is the best way to learn first-hand about financial management, as opposed to hearing through the grapevine that you should cut down on your spending, or that learning to budget would be beneficial for your bank balance. So despite the seriousness of your financial situation right now, there are positives you can take from it.

Right now, are your thoughts consumed by bankruptcy? Are you thinking that you have nothing left that could possibly be of any value? Think again. “A cynic is a man who knows the price of everything, and the value of nothing.” Put simply, focusing entirely on money means you may be overlooking things that are valuable in other ways. Something doesn’t have to have a monetary value to be valuable to you. How about the value of friendships, laughter and the enjoyment you get from your favorite past times? These can all lift you up during your financial struggles and help you to remember that bankruptcy is not the end. It is just a flip on your financial radar.

Wilde was very good at noticing the similarities and differences between people, and tying these into his core life philosophies. “We are all in the gutter, but some of us are looking at the stars,” and “To live is the rarest thing in the world. Most people exist, that is all,” are just two examples of this. He is highlighting that despite being all the same – all being ‘in the gutter – our perspectives and visions determine our direction in life. To the few of us that aim high – ‘some of us are looking at the stars’ – then that is the way we can elevate ourselves to success and greatness, and out of the gutter. The second quote has the same message; it is the rare few who see things differently and get that little bit extra out of life – in doing so, they are living as opposed to just existing.

Are you living, or just existing? Are you letting your bankruptcy take over? If the answer to this is yes, then it is time to plan a strategy. Look for a reputable provider for the required Credit Counseling and Debtor Education to file for bankruptcy. Affordable Bankruptcy Courses offers the EOUST-approved online courses available in both English and Spanish, with no phone call required for certification.

The bankruptcy process is tough, but it is a learning curve. Try to ask yourself what you can take away from the situation you are in now. What have you learned? Perhaps you could reconsider your spending and saving patterns, and how you could reduce your overspending.  After all, “Everything in moderation, including moderation.”

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Help! I Got Bitten By The Bankruptcy Bug!

bankruptcy-bugSide effects may include sleepless nights, being in a constant state of panic, fear to answer the phone…sound familiar?

It does not have to be that way. There is, believe it or not, an antidote for the poisonous bankruptcy bug. It is not instantaneous, and takes a little work on your part, but it does get you through the ups and downs of bankruptcy, safely towards the light at the end of the tunnel. Say goodbye to financial stresses and hello to debt relief!

Where’s the antidote? I want it!

You have come to the right place. Not only is it effective, but it is also an affordable and convenient antidote, going by the name of Affordable Bankruptcy Courses. It offers the Credit Counseling and Debtor Education required for bankruptcy filings – all online, with no phone call required for certification! Taking these courses will relieve the sharp sting of bankruptcy and help reduce the panic and fear associated with the process.

You may have heard of the expression “starve a cold, feed a fever”? Well take note! Remember to eat. Bankruptcy can be a stressful time but don’t let it take a toll on your health. You can also ‘feed’ yourself mentally. What activities give you energy, and lift your mood? The bankruptcy bug is one of a kind, where you are not advised to stay at home, hiding underneath the covers. Keep your brain stimulated by learning new concepts to help you financially, such as budgeting. Adopting a proactive mindset will only speed up your recovery. And in taking the aforementioned bankruptcy courses, you are well on your way!

Dissimilar to most viruses, the bankruptcy bug is not contagious. Spending time with your nearest and dearest is actually recommended! They say a problem shared is a problem halved, so in sharing your worries and concerns with friends and family, you are reducing the burden on your shoulders. Different people bring new perspectives into the mix, which will be of use to you during your financial struggles.

Furthermore, the wounds inflicted on you by bankruptcy are not permanent, are entirely treatable – and reversible if you put the work in. There are many tools and resources around to help you rebuild afterwards and get you back on your feet. Yes, the bankruptcy virus can be a drain on you both mentally and physically, but, hopefully, catching it just once will give you the everlasting immunity you need for a stress-free financial future.

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