INPUT ARTICLE: Article: Before you attempt to purchase a car, know whether you have filed for Chapter 13 or Chapter 7 bankruptcy. If you file for bankruptcy as an LLC or a business, then your bankruptcy falls under Chapter 11, which carries a different set of rules for asset seizure and debt repayment. If you have filed for Chapter 7 bankruptcy, your debts are typically eliminated completely, and the process usually takes three to four months. Chapter 13 bankruptcy involves repaying your creditors through a Chapter 13 repayment plan that typically lasts three to five years. The repayment plan involves paying a high portion of your monthly income towards debt repayment. Afterwards remaining debts are usually eliminated. For more information, see how to know the different between chapter 7 and chapter 13 bankruptcy Under both Chapter 7 and Chapter 13 bankruptcy, your credit score will be badly damaged for some time to come. It can take up to 10 years to fully erase the impact of filing for bankruptcy (either Chapter 13 or 7). However, purchasing power through credit can usually be reestablished after 3 years if the initial debt situation was not too drastic. Every bankruptcy case is different and varies in relation to an individual's income, the particular amount owed to creditors, and the types of assets an individual holds. Under Chapter 7 bankruptcy, a reasonably priced vehicle that provides you with transportation to necessary destinations, like work or the doctor's office will usually not be seized to pay off your creditors. However, if you purchased a luxury vehicle, you may be forced to sell that vehicle, purchase a more affordable vehicle, and use the remaining portion for debt repayment. So, before considering the purchase of a new vehicle, see what options are available to you through a debt consultant. Unless you have sufficient cash to purchase a car, getting a car will mean acquiring new debt. While in bankruptcy, acquiring debt means facing potentially high interest rates (as high as 18%) and adding to your debt at a time when you are working to reduce it. Most importantly, you will need to prove to the court as well as your trustee that a car is necessary. If there are alternative options to owning a car (using public transit, walking, carpooling), utilize these first. This could save you significant amount in interest costs, and help you return to financial stability quicker. Your credit improves as you move further into the bankruptcy process. While it can take 10 years to restore your credit fully, you may be able to negotiate better financing options 1 or 2 years into the bankruptcy process. The longer you wait to purchase a new vehicle, the better payment terms you will get. Don't be afraid to consult with a credit or debt specialist to gauge where your credit and financial situation is at throughout the process. While bankruptcy can be demoralizing and difficult to cope with, there are many resources to help you get through the process. Consider local credit counselors or financial planners to start. A simple look through your phone book or online will indicate who is available in your region.

SUMMARY: Confirm what type of bankruptcy you have filed for. Know how your bankruptcy impacts your credit. Understand the difference between exempt and non-exempt assets. Examine whether you truly need a car. Wait if you can. Be proactive about your finances.

In one sentence, describe what the following article is about: Before painting, you'll need to remove everything from the porch. If you have important things nearby like potted plants, outdoor furniture, or grills, you should cover them with a drop cloth to protect them from the paint. Sweep your front porch with a broom to get rid of dirt and dust. Try to get as much dirt out of the cracks between the boards as possible. A high pressure garden hose or power washer works great for spraying down your porch with water. This should remove any remaining dirt and debris so you can have a clean surface on which to paint. For a concrete porch, scrub it thoroughly with a scrub brush, water, and a concrete cleaning chemical. Be sure to wear the appropriate protective gear to avoid dangerous contact with the chemical. Since wood is a porous surface, you want to wait for your porch to dry completely before attempting to paint. It can take up to 24 hours, especially in humid climates. If your porch is covered with old paint, you'll need to remove that before applying a new coat. Use an orbital sander to sand the old paint off the surface of the porch. You can also use paint scrapers to get some of the old paint off. Wear a respirator when operating the sander to protect your lungs from debris. When you're done sanding, clean up the dust and sand with a broom or vacuum so the porch is clean and smooth. Use painter's tape to cover any places where do you not want the paint to touch. This should include where your porch touches your home. Use caution and a moderate amount of paint when painting near the taped areas so as not to get the paint underneath the tape. If you're working on a concrete porch that has never been painted, you'll need to etch it with a 5-10% Muriatic acid and water solution to help the primer and the paint adhere to the concrete. Dilute the muriatic acid with water per the bottle's instructions. Use a stiff-bristled brush to scrub the Muriatic acid solution onto the porch. Let the acid sit on the concrete until it stops bubbling. Muriatic acid can cause severe burns and lung damage. Make sure you wear goggles, rubber gloves and boots, and read the safety instructions thoroughly before using this chemical. Thoroughly wash the acid solution off the concrete with a pressure washer. Once it has dried, vacuum up the remaining powder created by the acid so that the primer and paint will adhere correctly to the concrete. The finished etching should give the concrete the texture of #1 or #2 sandpaper.
Summary: Remove items from your front porch. Sweep away dust and debris. Hose down the surface. Sand and scrape your porch to remove any existing paint. Tape areas you want to keep clean. Mix a Muriatic acid solution if you're working on concrete that has never been painted. Wash the concrete and vacuum the acid powder.

INPUT ARTICLE: Article: If for some reason you can't reset the phone using the Settings app, then you'll need to reset the phone with a hard reset. This means you'll be using the phone's hardware to reset it, instead of a software app. The power button is on the upper right side of the phone. Press and hold the power button until you see the Power options screen. Touch Power off to turn off the phone. Wait until the phone is completely off. The volume up/down buttons are on the left side of the phone. While pressing and holding the volume up/down buttons, press and hold down the power button. When the Samsung logo appears, stop pressing the power button, while continuing to press and hold the volume buttons. When the Android System Recovery screen appears, stop pressing the volume buttons. Using the volume up or down buttons, highlight the Wipe data/factory reset option, and then press the power button to select it. Press the volume down key to highlight Yes - Delete all user data, and then press the power key to select it. Press the power key again to reboot the phone. The Samsung Galaxy S2 will begin the reset process. Do not turn off the phone while it is resetting.

SUMMARY:
Try resetting with the Settings App first. Turn off the phone. Turn on the phone with the power and volume buttons. Reset the phone.