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Wipe Out Your Debts!

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If you’re afraid to answer the phone because your creditors have
been calling every night; and you’re worried that one of them is
going to call your boss and tell him you’re a deadbeat; and
just trying to pay off your bills leaves you almost nothing for
food - it time you thought about bankruptcy!

With a small amount of money, a lawyer (and even he’s not
necessary a lot of the time), and a careful evaluation of your
assets (what you own) and your liabilities (what you owe), you
too can make a new start with the help of the Federal and State
bankruptcy laws. But don’t rush into this without carefully
determining which is the right way for you, for there are
several different ways to stop your creditors cold, and choosing
the wrong way can result in your losing much more than you might
otherwise have to.

Straight Bankruptcy Usually Costs Less, and It’s Quick!

If you have very few assets, and lots of debt, and not enough
income to pay the debts off, even on an extended plan (more
about that later), then you will probably have to file straight
bankruptcy. You must file the proper forms (or “schedules”)
which you can purchase from any really good office supply
stationery store in your nearest city, especially one in a
district where there are lawyers’ offices.

Bankruptcy is not a very complicated court action, so don’t be
too afraid of it. You will need to know which district you live
in for Federal Court purposes; look in the telephone (white
pages) under U.S. Government - Courts, and locate the U.S.
District Court in your nearest city. Probably that court has
jurisdiction; but check this out by phoning the Clerk of the
Court and asking him, giving him you home address. You will
have to fill out several “schedules” or lists of your creditors:
creditors having priority, creditors having security, and
creditors having unsecured claims without priority. You must
list every creditor, for any one that is not listed can still
sue you and collect, even after the bankruptcy! If you don’t
know if a debt is secured (backed up by a related asset, like
refrigerator bought on an instalment loan) or unsecured (made
only on your personal reputation, with no related asset), ask
the creditor. Include as a creditor the name of anyone for whom
you co-signed a loan or note, and anyone who co-signed for you.

What Will You Have Left?

Will you be put out in the cold without food, clothing and a
house to live in after your creditors get paid? Not at all -
because most State bankruptcy laws allow some of your assets to
be “exempt” from being used to pay your creditors! You must
check the specific laws of your State, but usually, the house
you live in, the tools of your trade, your personal clothes
(within reasonable limits) and certain specific basic home
furnishings are all not taken away from you. In fact, in this
totally absurd world we live in, many States now permit you to
also keep your TV set(!), because, apparently, they regard it as
a necessity for life!

Where to File

Once you have all the forms filled out and notarized, bring them
to the Clerk of the U.S. District Court in your district, along
with $50. You don’t have to notify your creditors - the Clerk
does that, while also reminding them that now that you have
filed bankruptcy papers, they may not press you for any more
money, but may come to your hearing.

Usually your creditors don’t show up, since by that time you
have filed bankruptcy, you have very few nonexempt assets left
that they are interested in. Whatever assets you do have that
are not exempt (if any) must be sold under the Court’s
supervision. Any money thus realized is added to whatever cash
you may have had at the time you filed (if any) and the total
amount (which might be, and often is, as low as $50 or $750 is
divided up by the trustee appointed at your hearing and your
creditors get paid on a pro rata (proportional) basis to the
amount you owe them. If your assets add up to an amount that,
for example, only allows each creditor 3 1/2 cents for every
dollar of debt you owed them, then that 3 1/2 cents is all he
gets!

About three months after you have filed, you adjudged
“bankrupt”. and you can start over again to incur, pay bills and
establish a new credit record. Be careful, however, about
talking to your old credits at this time. They may offer to
help you out by extending new credit, and manoeuvre you into
signing “reaffirmation” of your old debt! Ready anything you
sign very closely, and don’t agree to repay any debt that you
have already discharged through your bankruptcy!

Lawyers for Complications

There are some people who should definitely hire a lawyer to
help them through their bankruptcies, especially people who have
assets like real estate that they want, somehow, to keep. Aside
from real estate, if you have been accused by any creditor of
fraud, you should also have a lawyer handle your case. If you
decide you don’t need a lawyer to handle your bankruptcy, you
are still responsible for filling out all of the forms
accurately and completely, and every bit as carefully as if a
lawyer had done them. Leaving out a creditor’s address from a
schedule, or forgetting a loan you co-signed can bring lawsuits
against you even after your bankruptcy. So be careful, and if
you find the bankruptcy process is too complicated, do see a
lawyer!

Keeping Your Assets Instead

If you’ve fallen behind in paying your bills, but you don’t want
to declare straight bankruptcy, you may want to clean up your
financial mess instead through Chapter XIII of the Federal
Bankruptcy Laws. Also known as the Wage Earner Plan, Chapter
XIII differs from straight bankruptcy in two most important
ways: you must pay off the entire amount of your debts (no 10
cents on a dollar here), and within a 3 year period. but the
good part is you are not declared “bankrupt”, so no one ever
knows that you needed relief under any part of the Federal
Bankruptcy Acts.

The major advantage of the Wage Earner Plan, besides not being
recorded permanently on your credit record, is that you get to
keep all your assets, exempt and non-exempt alike (assuming you
still have any left!). This is quite important, if, for
example, you have a good paid-up car, or expensive household
furnishings or a boat or other valuable assets that you want to
keep. Under Chapter XIII, you can get your current debts
“stretched out” to three years, which may well result in lower
total monthly payments than you are currently paying, and as
long as you pay off your debts in accordance with the agreement
files with the Court, month by month, no creditor will be able
to sue you to try to seize any other of your assets, and force
their public sale at disadvantageous prices.

Even if they have begin to sue you, once you file for relief
under the Bankruptcy Act, either under Chapter XIII or under
Chapter XI, straight voluntary bankruptcy, they can’t touch you!
They are immediately restricted to getting from you only what
the referee or trustee will give them and that only after the
court proceedings have been completed. Often, if the creditor
threatens to sue you, the most effective thing you can do to
stop him (besides paying the debt!) is to tell him frankly that,
if he sues you, you have no other recourse than to declare
bankruptcy. This will often make your creditor willing to
negotiate the debt, and you may be able to satisfy him by paying
the debt back, but over a longer period of time (with smaller
monthly payments) than you originally contracted for.
Creditors know well that if you file bankruptcy, the chance of
their getting payment in full on their overdue account is very
low, so it is in their interest to try to ease your credit
burden at least for a while.

Make Yourself “Judgment-Proof”

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If a creditor goes ahead and sues you, and gets a judgment
against you, he can then get a court order directing the sheriff
to seize your personal property, sell it and pay the creditor
the amount of your debt. However, if you have no valuable
assets, there is nothing for the sheriff to seize, and you are
what is generally called “judgment proof”, or in other words,
can’t be made to pay the debt. Because they know this is likely
to happen, street-smart debtors often hide their possessions, or
move them out-of-state, before the sheriff (or marshal) arrives.
This is, of course, illegal. The creditor’s next move is to
try to “garnishee your wages, which he does by getting a court
order directing your employer to set aside part of your wages or
salary every pay period and turn the amount over to him.
However, he can only do this if he knows, or can find out, where
you work. But even if your wages are garnisheed, there are
limits on what a creditor can take! Laws vary from State to
State. In some states wages cannot be garnisheed at all while
in others only small amounts are exempt from garnishment.

If you have no job, and no visible assets, or you live in a
State where your wages cannot be garnisheed, your creditors
actually have very few ways of ever collecting on that judgment!

Harassment and Other Creditor Tools

Before your situation gets bad enough to need bankruptcy relief,
and before your creditors actually sue you, they will try to
make you pay up using informal techniques, rather than formal
court orders, as this is far less expensive and time-consuming.
First among these informal attempts may be turning their bills
over to a collection agency which may then begin harassment, by
calling you often and at odd hours by telephone, by trying to
talk to your employer about your debts, and/or by threatening
you with legal actions, etc. Many of these techniques that they
use are illegal! Yes, a creditor or agency can write you
letters, call once a day seeking payment, try to bring legal
action against you, but he is forbidden by law to harass you or
invade your privacy, or use deceptive means to get you to pay
your bills. He may not use foul and abusive language over the
telephone, tell anyone beside you the reason for his phone call,
insist on payment for a product or service that you claim to
have a legitimate grievance about, nor issue false threats (such
as saying that he is going to drag you into court to collect
$35, when in fact his agency’s policy is not to file suit on
accounts of less than $100, because of the high legal costs
involved). He may not inconvenience you (by calling you at work
when you are not easily able to receive calls), or invade your
privacy (telling your employer or your neighbor that he is
trying to collect a debt from you).

There are books that provide detailed additional information on
personal bankruptcy, and include sample letters with which you
can try to arrange “stretch-outs” on your own with your
creditors before bankruptcy is necessary. Some include sample
bankruptcy forms filled out that you can use as a model. Since
the accurate filing of all your debts and assets is so
important, it’s a good idea to follow their detailed
instructions closely, with or without a lawyer, so that once you
get your creditors off you back, they stay off!

Fine. So, how was your experience of glancing till here? I wish it improved your learning curve.

We have more and more stuff on real estate if you want to skim. It is for you to discover the sources on real estate at the close of this report.

About the Author

For a wide range of personal finance articles, loans, credit cards, and
debt reduction resources, visit http://www.ReliefLoans.com.

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Make and sell toy cars, wagons, wooden puzzle and hobby horses. retail them at flea markets, fairs, through national ads, direct from your shop or yard and/or wholesale them to stores or catalog sales companies.

Wooden toys have a special appeal that most other types of toys do not– nostalgia and parent confidence. Parents remember the wooden toys they had as children lasted a long time and that they were safe. Wooden toys like hobby horses or stick horses are so old, they are “new”!

For the past few years, wooden items have become more and more scarce as they have been replaced by plastic and wood filled plastics that can be molded. Many items are advertised these days as “genuine wood” to inform the buyer they are nor plastic or laminated sawdust, and infer that they are therefore worth more.

The overall result is that an item made of “genuine wood” is now considered more valuable than the substitutes that just a few years ago were considered an “improvement” over wood.

In the wooden toy business, you have the option of making variety of things or specializing in one item or series of items.

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You also have the luxury of being able to use what other industries would call scraps — because not many of your toys will require 8, 6 or even four foot pieces of wood.

This means that you can use materials that others can’t — and that if you can locate a good source, your materials should be half or less of the going rate. As a result, you will be able to offer finished toys of good quality wood at excellent prices and still make a very nice profit.

This type of business will appeal to the wood enthusiast, or anyone who enjoys shop work; the variety of possible toy products is endless — limited only by the toy maker’s imagination and facilities.

If you specialize in larger items such as hobby horses, one well-placed ad for genuine, old-fashioned hardwood horses could keep you busy!

The only “secret” to this business is to have a plan for getting your materials at a good price, a procedure to fabricate and finish the toys efficiently and professionally, and effective means of letting the right prospective customers know where they can be found and how much they cost.

Most wooden toy makers limit their output to models they can build with tools and equipment on hand. They set up a procedure, as close to assembly line as possible to allow high quality items to be produced efficiently: jigs for cutting, clamps for gluing, patterns for drilling, stencils for painting — with designated areas for operations like sanding or painting that require them to be separated.

Although the finished items are all made by hand, there is no need to completely finish one item before starting on the next — it is much “smarter” to cut out two dozen horse heads at once; to sand them all while the area is set up for that operation, and to give them all their first coat of paint at the same time.. The items are still hand made, only a lot more efficiently.

The bottom line is that quality is just as high (perhaps even higher as you perfect each step), but the price is lower because you can produce them cheaper.

One inexpensive way to advertise is to rent a display window in a store (even a vacant store — see the real estate agent about renting just the window until the store is leased).

Set up a nice looking display of your products –several models, a variety of items (or your “pride and joy”) in an attractive display - one that is calculated to interest children as a toy, as well as the parents as a good investment.

Tip: “Eye level” for a child is 3 to 4 feet, so place items you want to see at their level!

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Put price tags on the items. or a placard (about 8 x 10) in or near the items, along with a couple of lines about their quality and,of course, where they can be purchased.

If you are willing to make alterations, indicate that custom items are available (but leave the price open until you find out what they have in mind).

Plan your production schedule to peak about 30 days before the holidays — seasonal sales you lose because you ran out of items sell are GONE!

In the beginning, you will probably want to try several different products — and procedures. You need to learn which things you can make best and which ones will sell best.

Once you have settled on a line of products (if you do), it would be wise to gear your “assembly line” to those products.

Use a piece of tin or masonite for a cutout pattern; holes in it to mark places to drill. Work out a production schedule for steps that take time, such as glue setting and paint drying — where you take an item from the clamps, sand it lightly, lay it out for the painting phase and immediately place another item (or sets of items) the available glue clamps.

If you glue, setting time is one hour (temperature regulation may speed this step) and you have 5 sets of glue clamps, you can set aside 5 or 10 minutes per hour for this phase to produce 5 items per hour or 40 per day (the last set is left overnight to be changed first thing in the morning).

As you progress in your wooden toy business you will discover more and more “shortcuts”– that produce the same quality (or even better) at a lower cost. You will also learn of other items that are in demand and will make more decisions on whether to expand or add new products.

Wooden toys can be sold retail through ads, displays, and by using a little extra imagination.

For example, show a child playing with your toy in your ad (to help “plant” the idea that your toys are fun to play with). Plan different ways to “push” your line — give prizes at community affairs (raffle, children’s competitions), try cable TV ads and the local newspaper.

Use a good camera to take black & white photos and have the newspaper make “cuts” of some of your best efforts to put in ads and brochures. When the market warrants, add color brochures with illustrations and little write-ups of your toys.

Perhaps some of them are authentic copies of antiques, or can be associated with interesting stories or history. Don’t hesitate to experiment with different wood combinations and patterns.

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For example, two plywood with opposing grains for strength and effect; tongue & groove glued larger pieces; checkerboard patterns (like parquet floor pieces) or anything else you can think of.

Wholesaling brings in less revenue per item but eliminates much of the cost of advertising and time needed for dealing with potential buyers of one or two items at a time (you may be able to make much more turning out toys than selling them). Here are three proven methods for wholesaling are:

1. Store sales, Take samples and price lists to retail stores in your area and ask them to order. A variation is to mail out price lists and brochures to stores that carry similar merchandise. In this case, write a “cover” letter of 1 - 2 pages on good quality letterhead paper. Describe your products briefly (stress their quality) and their availability. Include a price list and an ORDER FORM. For stores in your area, follow up this first contact with a personal visit, phone call or another letter 2 weeks later!

2. Catalog sales. List your products with an existing catalog sales firm (printing your own is expensive and should be tried only when you are experienced). the procedure is similar to mail sales to stores (above), but you also need to include your charges for packaging and shipping of a single item because the mail catalog store can either buy your products outright or have you drop-ship them as orders come in.

3. Fair sales. arrange for a booth at trade shows, large flea markets and community fairs. Take a good selection of your merchandise, business cards, brochures, and order forms and set up an attractive display.. Although the objective will vary with the type of activity. the general idea is to retail, make contacts, gain recognition, and to take wholesale orders.

Be especially watchful for ways to profitably use every scrap of material and reduce the amount you spend for supplies.

Make little toys from pieces left over from big ones, even if it means modifying a pattern or designing a special toy so it can be fabricated mostly from materials that would otherwise be wasted. Using these materials efficiently is the purest form of profit!

The, calculate your best prices on paint, sandpaper, wood and even tools and supplies. It may be that buying glue in 5 gallon cans will save you a good deal — unless there is a spoilage problem. In this department, the most expensive thing you can do is to keep buying from the same source without constantly checking — and figuring how to get more for your money.

One source for fresh ideas would be subscribing to a couple of good trade magazines.

One of the more obvious potential problem area to watch out for is overstocking items that don’t sell.

The cause of this problem is invariably personal taste — although poor sales techniques and/or shoddy work can also be contributors. Just remember that before you invest too heavily in any one product, do as the professionals do — test market it (see how it sells).

Just because you like something is NOT a good reason to make up 10,000 of them (remember the Edsel? — but if your customers like them — that’s different! If your problem is shoddy work, the CHEAPEST thing to do is get rid of the problem — wholesale them to an outlet (burn them if
necessary), but don’t allow them to spoil your reputation and confidence.

Finally, if they aren’t selling, alter your method of advertising. If that helps, work on that aspect until you find the winning combination

About the Author

Ajay Pats is a professional manager.He manages community for home based business entrepreneurs(url-http://groups.msn.com/venturecon) and inspirational ezine(http://www.topica.com/lists/venturemall).

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gary@mightybox.com

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