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When Bankruptcy Is Not An Option

 The purpose of a discharge is to "release an honest debtor from his financial burdens and to facilitate the debtor's unencumbered `fresh start'". In re Pelkowsk i, 990 F.2d 737, 744 (3d Cir.1993) (citing Kokoszka v. Belford, 417 U.S. 642, 645-46, 94 S.Ct. 2431, 2433-34, 41 L.Ed.2d 374 (1974)). The general purpose of a bankruptcy case is to fully disclose everything you own or have an interest in and surrender assets to the trustee that exceed the amount that can be protected under the laws of exemptions. Otherwise, if you're not willing to surrender assets, you can also make a payment plan under Chapter 13 of the bankruptcy code. Bankruptcy may not be an option when you have assets to lose and you are not willing to surrender those assets. You see, a Chapter 7 bankruptcy case is considered a liquidation bankruptcy where you cannot afford to make any payments toward your debts. If you have no assets, then you have nothing to lose and everything to gain from filing...
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Green Thumb Versus Black and Blue Thumb

 If you came to our parsonage, you would discover all over our property, plants and flowers. Just don't ask me to identify what they are. I can tell a plant from a flower, but that's as far as it goes with me. That is not true with the Gracious Mistress of the Parsonage . She gets all the credit for all the plants and flowers on our property. She knows them all by name. But, of course, I'm not sure if she's making up those names because I couldn't tell one plant from another plant. Walking up to our house, you will see right next to the door a pineapple plant. I never knew exactly what it was, but my wife kept telling me it was a pineapple. Then this year, the pineapple actually developed. It took several years for it to get to this stage. It has grown quite a bit during this year. Looking at it, you would think you were in Hawaii. When she first planted it she asked me, " Did you see my new plant out front?" I did not, but I did not want to tell her that...
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10 Milestone Moments of Your Baby to Capture on Camera

 Watching your baby grow can fill you with wonder and amazement , especially during the first year of your child's life. As your baby learns to smile, grimace, grasp a toy, crawl around, or even wave a bye, you will want to cherish these adorable moments forever. Engaging a professional baby photographer to capture the best shots of your child as he/she reaches each new milestone can be a great way to fulfill this desire. Here we tell you about the 10 milestone moments of your baby to capture on camera. The after-birth moments What can be more special an occasion to capture on camera than the moments right after your baby's birth? Those first moments when you welcome your bundle of joy into the world and into your life is simply priceless. The homecoming As you step out of the hospital with your baby for the first time and make that memorable trip to your home, you will want to relive those moments with fondness in your future. Your baby's homecoming is an occasion that s...
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