Software Solutions for Your IT Security
Please RATE or Comment! Microsoft Security Essentials provides real-time protection for your home PC that guards against viruses, spyware, and other malicious software. For more windows tips, click here PCWizKidsTechTalk.com cheers Video Notes Download it from: www.microsoft.com Works in Windows XP 32bit, Vista dn Windows 7 (32 and 64bit)
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Norton security scan and it came back fine. Someone suggested that the problem is in my yahoo account. How do I resolve this?
I have recently lost my job after being in the telecommunications industry for ten years. I have had no luck finding a new 9-5 job with a regular salary. I have been forced to take a job full time at a restaurant.
I have over ,000 in credit card debt most with APR’s in the high 20′s. I have done my best over the last 6 months to keep up with my minimum payments but am finding it impossible recently to balance my debt along with my living expenses. By living expense, I do mean the bare minimums. Rent,utilities, gas, food etc.. I have not wasted funds on entertainment or purchases other than does required for work.
I had an hour long conversation today with a debt consolidation company. It is has been in business since 1965 and is non-profit. I actually used their services in the past to consolidate debt that I managed to pay off about 8 years ago. They analyzed all of my assets, income, debt and overall financial situation. They determined that I was running at a 65% deficit between what I am brining in and what I owe. They recommended that, although it may sound harsh, my best option was to file for bankruptcy. They determined that I would not be able to keep up with any type of repayment schedule that they would negotiate with the banks and that a fresh start may be my best option.
I have avoided the thought of filing for bankruptcy in the past for several reasons. But now that my income is at an all time low and my job prospects do not seem to be sorting themselves out in the near future, I do not now what other options I have available to me. Needless to say, the stress of the whole situation has been making life extremely unpleasant.
I am single, have no kids, and will not be purchasing a house in the near future. The only asset I own, is an 8 year old car.
I have five questions:
1) Other than having a bankruptcy ruling on my file for the next ten years and not being able to secure credit, what are the other disadvantages of filing for bankruptcy?
2) I do not have disposable income. I am making enough to pay for essentials. Would my chances of having the entire debt excused be good? Or would I still be responsible for paying a percentage?
3) I know from my corporate experience that my credit file would be reviewed during the job applications process. I am considering a career with the Federal Government. How would a bankruptcy ruling be looked upon by the government during the job application process?
4) How much with a reputable bankruptcy lawyer cost me?
5) I have also read that another option is to do nothing and ignore my creditors. The following excerpt below is from http://bankruptcy.findlaw.com/ . Is this plausible?
Do Nothing
Surprisingly, the best approach for some people deeply in debt is to take no action at all. If you’re living simply, with little income and property, and look forward to a similar life in the future, you may be what’s known as "judgment proof." This means that anyone who sues you and obtains a court judgment won’t be able to collect from you simply because you don’t have anything they can legally take. (As a famous song of the 1970s said, "freedom’s just another word for nothing left to lose.")
Except in unusual situations (being a tax protester or willfully failing to pay child support) you can’t be thrown in jail for not paying your debts. Nor can a creditor take away such essentials as basic clothing, ordinary household furnishings, personal effects, food, or Social Security, unemployment, or public assistance benefits.
So, if you don’t anticipate having a steady income or property a creditor could grab, bankruptcy is probably not necessary. Your creditors probably won’t sue you, because it’s unlikely they could collect the judgment. Instead, they’ll simply write off your debt and treat it as a deductible business loss for income tax purposes. In several years, the debt will become legally uncollectible. And in seven years, the debt will come off your credit record.
I am planning on contacting a bankruptcy lawyer for further advice but wanted to get an idea as to what I am dealing with before I further the process.
I appreciate any feedback the Yahoo community is able to provide!
Thank you in advance!!
how do u get rid of the B7.tmp, B6.tmp and other things like that that r probably already on my computer
plz give me a list of all bad .tmp
Don’t just read the latest computer security news – watch it in just 90 seconds! This month: international success for law enforcement; rumour of the month pimps Adobe’s shares by 17%; Google’s CEO puts his privacy foot in his mouth yet again; and Facebook does something good!
I did some searching & saw AVG has a free program but it said that it does not have something called "Server protection" what does this mean?
Aside from that where can I find FREE anti virus protection & does anyone have suggestions as to what is good since there are a few to pick from?
Thank you 