Skype is one of several Voice over Internet Protocol services, which uses wifi or cellular data to call instead of minutes. If the person you are trying to reach is also a Skype user, you can call them for free, regardless of the distance. Get the Skype app in the iOS App Store or Microsoft Store. Then, create an account using your email address. If the person you're trying to reach doesn't have Skype but does have a landline, you're in luck! All you have to do is buy Skype credit by selecting the call destination location and amount of minutes that you want. Then, you are able to call landline numbers in that region. You can also purchase monthly subscriptions that allow you to pay a flat monthly fee for unlimited minutes of calling to certain locations. for free international voice and video calling. Like Skype, WhatsApp uses the internet to connect you with the person that you're trying to call. The only requirement is that the person you're trying to reach is also a WhatsApp user. The sound quality of your voice call will depend on the strength of the internet connection of both parties. Make sure your internet connection is strong in order to have the best quality call! While on a voice call, you can switch to a video call by tapping "Video Call" and then selecting "SWITCH." If the person you're calling accepts the switch, the call will shift from an audio to a video call. Add up to 4 participants to create a group voice call. If you have 3 other friends that you want to include in the conversation, no worries! While you're on a voice call with 1 person, tap the "Add participants" options and search for another contact to add to the call. Once you find them, hit "ADD." to call or video-chat with other Apple device users. FaceTime is the video and audio chatting feature on Apple devices (Macs, iPhones, iPads) that uses data rather than minutes. This means that you can easily make video and audio calls internationally without worrying about extra fees. If you're traveling to Mexico and you put a Mexican SIM card in your phone, go to Settings and then open FaceTime settings. Double-check that your Mexican phone number is listed and selected under "You can be reached by FaceTime at."
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One-sentence summary -- Use Skype to call both landlines and other Skype accounts. Use WhatsApp Turn to FaceTime

All persons filing for Chapter 7 or 13 bankruptcy must complete a credit counseling program from an approved agency. You must complete the program within 6 months of filing for bankruptcy. You must also take a debtor education course after you file but before your debt is discharged. You can find approved credit counseling agencies at: http://www.justice.gov/ust/eo/bapcpa/ccde/CC_Files/CC_Approved_Agencies_HTML/cc_florida/cc_florida.htm All bankruptcy filers must use the appropriate federal bankruptcy forms. Depending on the circumstances of your case, you may need to file some of the following forms: Voluntary Petition for Individuals Filing for Bankruptcy. Application for Individuals to Pay the Filing Fee in Installments. Summary of Your Assets and Liabilities and Certain Statistical Information. Statement of Current Monthly Income. Chapter 7 Means Test Calculation (only if your income is above the state median income). Statement of Your Current Monthly Income and Calculation of Commitment Period. Calculation of Your Disposable Income. You can locate all bankruptcy forms at: http://www.uscourts.gov/forms/bankruptcy-forms. Federal bankruptcy courts are located throughout the United States. You must file your bankruptcy petition in the federal judicial district where you have been living for 180 days before you file or the district where you maintain your home (domiciled). You can locate your district court at: http://www.uscourts.gov/courtlinks . Once you locate your district court and its website, check whether there are any local forms that are required for your bankruptcy filing. Each state sets forth its own exemptions for bankruptcy proceedings. Exemptions are the property or assets that cannot be liquidated or counted against you in calculating your net worth. Florida does not allow its residents to use Federal bankruptcy exemptions but rather a resident must use the Florida exemptions. When preparing to file for bankruptcy, you must determine for which exemptions you qualify. These may include: A homestead exemption, which allows a debtor to exempt an unlimited amount of value in your home when determining assets. Florida exempts certain personal property for up to a $1000. You can exempt up to $1000 in motor vehicle equity. For those not using the homestead exemption, the debtor can exempt $4,000 in personal property. Certain pension and retirement funds are exempt such as 401ks and Simple IRAs. For a complete list of exemptions visit: http://www.nolo.com/legal-encyclopedia/florida-bankruptcy-exemptions-property-assets-bankruptcy.html.
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One-sentence summary --
Complete credit counseling. Locate federal bankruptcy forms. Locate the correct bankruptcy court. Determine relevant Florida exemptions.