Article: Bankruptcy should only be used as a last resort. Before filing, try other options available to you to pay off your debts. Contact your creditors and try to negotiate for a loan settlement or a repayment plan with lower payments. Alternately, you can try a short sale of your assets to cover your debt, assuming you are not underwater on your loan. Try consulting with a debt management agency before deciding to file for bankruptcy. Certain kinds of debt cannot be discharged, or erased, even if you declare bankruptcy. Categorize all of your debt and calculate how much falls into categories that cannot be discharged. If the majority of your debt cannot be erased, then bankruptcy may not the right option for you. Note that each state has specific provisions for those assets which are exempt from bankruptcy. Be sure to check state law. The following kinds of debt cannot be discharged in a bankruptcy: Alimony Child Support Debts that arise after bankruptcy is filed Some debts incurred in the six months prior to filing bankruptcy Loans obtained fraudulently Debts from personal injury while driving intoxicated Debts from willful and malicious injuries to person or property Some student loans Some taxes Secured loans, as lenders can foreclose on their capital While bankruptcy proceedings will seek to seize and sell off your valuable assets to repay creditors, there are some assets that are protected under state law. The exempted assets will depend on the type of bankruptcy you are filing for and your state's laws. Assets may be completely protected or protected up to a certain value. For example, there might be at automobile exemption of $5,000, meaning that you could keep a $4,000 car but not a $20,000 one. Common protected assets are cars, wedding rings, and your home. Some states may offer "wild card" exemptions that allow you to keep any other valuable assets up to a certain amount. Chapter 13 bankruptcy allows you to keep all of your assets, but you can reduce your liability to creditors by selling of assets of significant value. A cosigner agrees to pay your debt in the event that you cannot pay. For example, a parent may have cosigned an auto loan for you when you graduated from college because you had little or no credit. However, if you declare bankruptcy, a cosigner on your loan is still be legally obligated to repay your debt. For example, your parent will still have to repay all or part of that car loan, even if you declare bankruptcy. Bankruptcy in the United States is handled in federal court under the rules of the U.S. Bankruptcy Code. The U.S. Bankruptcy code identifies several different kinds of bankruptcy. These are usually referred to by their chapter in the U.S. Bankruptcy code. Individuals and businesses may file for Chapter 7. Property may be liquidated to pay off creditors. Secured debt may be eliminated, or you have the option of allowing the property to be repossessed or paying the creditor a lump sum equal to the current value of the property. Your income must be below a certain level to qualify for Chapter 7. Chapter 13 is also known as "wage earner" bankruptcy. Under Chapter 13, if you have a reliable source of income, you can propose a repayment plan to your creditors that pays them back over the next three to five years. Your debts must be below $1,149,525 in secured debt and $383,175 in unsecured debt. Note that the amount received by the creditors is established by your income after bankruptcy, not the amount of debt owed. Municipalities, such as cities, towns, villages, taxing districts, municipal utilities, and school districts can reorganize under Chapter 9. Businesses can reorganize under Chapter 11 or liquidate under Chapter 7. Chapter 12 is similar to Chapter 13. It is reserved for businesses for which 80% or more of debt is from the operation of a family farm or fishery. Learn about the kinds of debt that can be erased and what debts will not be forgiven. Recognize the impact on cosigners to your loans. Decide if you can live with the negative impact bankruptcy has on your credit. Evaluate whether or not you even qualify for bankruptcy. The impact bankruptcy has on your credit is largely determined by how good your credit is to begin with. If your credit score is high, it will probably take a huge hit and drop significantly. If your credit is already pretty bad, bankruptcy might not lower your score by very much. The more accounts associated with the filing, the bigger the impact on your credit score. If you file for Chapter 7 or 11, it will remain on your credit report for up to 10 years. If you file for Chapter 13, it may stay on your report for up to seven years. A Chapter 11 bankruptcy will stay on the business's credit report, not the individual owner's, unless they file a personal bankruptcy.
Question: What is a summary of what this article is about?
Consider other options. Analyze your debt. Know which assets are exempt from seizure in bankruptcy proceedings. Understand that bankruptcy does not erase debt for cosigners. Learn about the different kinds of bankruptcy. Understand the Consequences of Bankruptcy.
Article: Go to https://www.facebook.com/help/delete_account/. Keep in mind that you cannot do this in the Facebook mobile app. If prompted, type your email address into the "Email" text field, type your Facebook password into the "Password" text field, and click Log In. This option is below the warning message in the middle of the page. Clicking it brings up a pop-up window. Type your password into the "Password" field at the top of the window. This code is the jumble of letters and numbers in the middle of the window; you'll type your answer into the field below the code. If you can't read the code, you can click either the Try another text or the an audio captcha link below the code to generate a new one. This will submit your code. If it's correct, another pop-up window will appear. If you incorrectly entered your password or captcha code, you'll be asked to try again. It's at the bottom of the pop-up window. This will deactivate your account for 14 days, after which point the account will be deleted.
Question: What is a summary of what this article is about?
Go to Facebook's deletion page. Click Delete My Account. Enter your password. Type in the captcha code. Click OK. Click OK to delete your account.
Article: Add up the total number of steps and divide by 7 for your average daily steps. These 1,000 steps equal a distance of about 12 mile (0.8km). To accomplish this, try: Walk instead of watching television or surfing the web. Play outdoors with kids or walk around the field while they are playing sports. You might want to try some of these strategies to help you reach your goal: Take your dog on longer walks. Park farther away from your destination. Take the stairs instead of the elevator. Walk instead of drive to run an errand. You may have to add a nightly walk in your neighborhood or other activity to reach this goal. Here are some strategies to try: Try to complete every 2,000 steps 5 minutes more quickly than you did before. Add hills or inclines to your walk. Alternate between fast and slow speeds throughout your walk. Add hand weights to your workouts.
Question: What is a summary of what this article is about?
Wear a pedometer for a week to determine how many steps you take each day. Start by adding 1,000 steps to your daily average during Week 1. Add an additional 1,000 steps per day during Week 2. Continue adding 1,000 steps per day each week until you reach a goal of 10,000 steps per day. Increase the intensity of your walking.