Advantages and Disadvantages of Filing for Bankruptcy

Filing bankruptcy and hiring a bankruptcy lawyer are the things that some people think especially when they already have exhausted all the possible ways of paying their debts, but fail in their attempt.

Bankruptcy laws are written to provide individuals whose finances have collapsed to the point of no redemption, a second chance to start all over again, although this will be recorded in their credit score and affect their purchasing power as well as their reputation. Also, not all people are granted this chance, although all people who have the qualifications are granted to be free from their debts instantaneously.

In this article, we will share with you the advantages as well as the disadvantages of filing a bankruptcy.


1. Suspends all credits and stops creditors from bugging you.

Once a person files for bankruptcy, the court automatically issues this stay that protects the debtor from any debt collection until the case is complete or lifted. This means that the court will prevent wage garnishments, lawsuits on debts, calls, and letters from debt collectors, and property repossession. This just temporarily stops the debt activity until the case is complete.

2.Discharges all the debts

When the court finally grants this chance, the person will be free from all debts and will never be legally required to pay them anymore. These debts include personal loans, medical and utility bills, and even credit card debts.

3.May allow maintaining property ownership

This exception plays an important role in chapter 7 and 13 bankrupcies that protect the asset and allows the person to have a legal hold of his/her property.

4.Impacts on credit score

When a person has many debts and these accumulate for each passing month, the person experiences a consistent degradation of his/her credit score. However, when the person applies and granted bankruptcy, the person is freed from all debts, therefore creating some effects on his/her credit score. But it is also important to take note that the bankruptcy record will be shown to the owner’s credit score seven to ten years.


1.The immediate impact on credit scores

As mentioned, the bankruptcy record will be shown up to 10 years depending on the type of bankruptcy filed and granted.

2.Loss of credit cards

Several credit card companies will cancel any cards that a person holds when she/he begins to file for bankruptcy.

3. Difficulty to obtain loan or mortgage

Because there is a record for this bankruptcy, the person will have difficulty in obtaining loans and mortgages again.


Some of the landlords as well as employers may ask about this and will negatively affect both parties: you and them

5.Non-dischargeable debts

Even when a person is granted bankruptcy, there are still debts that can’t be discharged which include child support, criminal fines, student loans, or any debts that were acquired through fraudulent acts.

Generally, there is actually overlap when it comes to advantages and disadvantages of filing and being granted bankruptcy, and there are several factors that contribute to whether or not, filing bankruptcy will help a person for better or worse. It is important to reassess and consider all angles before deciding.

Mindful Tips in Cleaning the Refrigerator Properly

It is a big help for us to have a refrigerator at home as we could get the chance to make the food colder and whenever we have some leftover meal, then we could just place them inside the fridge or the cooler. This will help to extend the life span of the food and it won’t taste bad because of the coldness that can preserve the taste and the longevity of the expiration of the food that we are putting in the ref. There are some reminders that you need to know especially when you are buying one as you could not just pick whatever you want as you don’t want to experience calling the electrician Atlanta sooner or later because of the poor performance and quality of the refrigerator that you have bought. It could be very hard to accept that your newly fridge has a problem and you have to spend more money for the repair and you could just imagine yourself buying a new one instead of letting it be fixed by someone.

Thinking about the cleanliness of the appliances could be very important especially if you are planning to extend the life warranty and coverage of it to avoid spending much money for a new one. Of course, there are good sides and advantages when you think about of the new design and technology of the appliances but you need to prepare for the possible expenses that you have to face here especially if you are trying to save more money for your entire family. It could also be about the food that you are placing and putting in the fridge that made it very unpleasant to see or the performance of it decreases due to the reason that it has a certain capacity only and it could not exceed more than that. We will give you some ideas about the proper cleaning of it and the considerations that you could accept here.

If you really want to get the best performance of the ref, then you have to clean it by removing all the items and food inside of it as you wanted to clean the very inner part of it. Some people don’t understand the importance of it but it will help you to see things there including the smaller parts and the dirtiest section of the fridge. You have to remove and throw all the things that you don’t need there including all the spoiled and foods that have molds as it would be the reason to carry diseases in your family there.

You need to take away the different shelving of it and try to wash it as much as possible to get the best result and cleanliness that you are looking for it. You may use some commercial products that can help to sanitize the inside part and it could have a good smell and kill the bacteria there. Arrange the food accordingly and don’t forget to check the wirings at the back of it.

How to Make Drywall Job Easy?

There are a few fundamental methods and tools when it comes to drywalling, which you should be familiar with before beginning your project. Below are some of the essential things you must learn to have a successful and easy drywalling procedure:

Complete preparation

Before you decide to start a project, you should check to guarantee that your projects will adhere to the local building codes. Also, you should carefully measure your area. This will guarantee that you will purchase the accurate number of drywall.

Wear goggles and mask

Dust from drywall could result in plenty of irritation to your eyes and lungs. Ensure to wear goggles and mask to keep yourself from health risks. The air within the area you are working with must be properly ventilated as well.

Keep a constant temperature

Quite surprisingly, the temperature of your area could affect your drywalling project. Both temperature and humidity could impact the joint treatment. Make sure that the place you’re working is at 55° for 2 days before starting and after you have finished your project.

Choose the appropriate tools

A basic utility knife is the first thing you need to cut the drywall. You can make square cuts using a T-square. A drywall saw is useful if you want to cut around the room’s obstacles. You can also cut for smaller obstacles like electrical boxes with a keyhole saw. You will also need a drywall screw gun and drywall hammer to place the screws and nails in place. You can get smooth joints using taping knives of various sizes.

Your fasteners

There are screws and nails that are particularly intended for drywall that you’ll have to buy at a hardware store near you. You must utilize rink shank nails that can hold the drywall in place and will stop the nails to come out eventually. Also, there is various drywall screws size depending on your drywall’s thickness.

Framing and cutting

If you can, utilize an entire drywall sheet. If you have to cut the sheet, begin by estimating the drywall using your utility knife. Then, you must snap back the drywall then break it away at the cut. You need to guarantee that all of your studs will be in place properly and that they are evenly spaced out. Contact Auburn Drywall Pro

After reading this article, do you want to learn more about drywall in general? If yes, then it is a must to visit the website of Auburn Drywall Pro regularly. Expect to gain informative and beneficial content every single day. We will religiously publish such content on our website, so, check them out. Our website’s contents basically consist of insightful hacks, tips, latest news, or any detail regarding the services and products we proudly offer, particularly about drywall repair Auburn, installation, cleaning, and maintenance. We guarantee you that our set of technicians will provide you satisfactory outputs at the end of the day at your convenience. If interested, contact us straight away through our hotline numbers or our email address.

Best Design Tips for Bathroom Remodeling

A bathroom makeover is a good way to spruce and spice up your home, but doing it alone is no small undertaking. Before you start your own venture, make sure that you know what you will be doing, and you already have collected good advice from individuals who are experts in the field.  

 There are a lot of re-modeling services like kitchen, home, and bathrooms services available in different states. You can even try to remodel a bathroom in Boise, Idaho or in different parts of the U.S.A. It is easy and convenient to hire professionals because some designs are achievable and cheaper to do. 

We gathered the best remodeling tips for a bathroom from experts, and came up with the following: 


Make your own Bathroom design 

Before you begin the job, make sure you already have a vision of how your bathroom will look like after the whole project.  


To help you decide, here are some design elements you can try before you start your bathroom remodeling: 

Space for storage – your bathroom items need to be considered. Having shelving and/or bathroom cabinets is a need. This is where you will keep and store your toiletries, towels, and other bathroom essentials.  

Utilities and their location – to prevent further repair costs, make sure that you know the location of your plumbing pipes and electrical wiring before you execute your plan. Make sure you have accurate measurements for these wiring to avoid problems.  

New fixtures – when you remodel, you can reuse your old equipment or buy new ones. Buying new things like a new sink, mirror, or tub that suits your design plan would be good; however, if out of budget, you can start replacing bathroom equipment which is most visible and prominent in the bathroom. 

Color scheme – Know ahead of the time the color scheme you prefer. This will guide you in what to purchase when you want to replace bathroom items such as tiles, sink, or paint in your bathroom.  


Shower remodeling design choices 

When it comes to shapes, you may choose from these options: 

  • Square-like 
  • Rectangular 
  • Pentangle 


Consider your bathroom features before deciding for a suitable base shape, because the shape of your base will significantly determine and affect the whole bathroom layout.  



If you want a stylish design that also saves space, you can try replacing your old tub with a walk-in shower.  


Countertop choices 

  1. Natural stone is ideal for high-end and sophisticated bathrooms. A polished granite is very resistant to stain and scratch.  
  1. Laminated countertop is best when you have a tight budget because it is cheap and affordable. It is also resistant to stains and scratches and has a many color and texture variety 
  1. Resin-based are best to use when you have a countertop with an unusual shape. It also needs no sealing. 


The Final Word 

You see, these good designs for bathroom remodeling are easy and achievable to do. You do not need a large sum of money to transform your bathroom into something you like! 


Things to Consider Upon Constructing a Wooden Deck

Constructing a wood deck properly could make the best transition between your backyard and your home. Planning and construction of a deck must result in a great place to unwind and relax after encountering such a busy day. Regardless if you want to build your deck all by yourself or you want some assistance from the experts to build it for you, the building process of a deck needs proper design and planning. To know more, read below the fundamentals of constructing a wooden deck that you must keep in mind:

Select the best deck type for you

Decks come in various types, which you can utilize for your property. You can even attach an outdoor patio deck to your house, either to your kitchen or family room. It is recommended to construct a destination deck—usually positioned in a special area with a great view and wouldn’t be connected to your house. With this, a winding path, or a connector deck, it is great to lead you to the destination deck.

Think about the activities you want to do in your deck

As you construct a wood deck, think about the activities you want to do in it. It could be a place for you to barbecue and grill or a place where you can entertain your friends and family and be a venue for parties. You can also intend your deck to be you a safe and quiet place where you can enjoy reading a book, drinking your favorite drink, or just chill.

Determine the deck size you want

If your backyard and house are smaller and you don’t intend to entertain large groups, then most likely, a large deck isn’t for you. An extremely large deck could only make your home look tinier. As much as possible, keep it simple. You can also incorporate a couple of angles to the design of your deck if you like.

Decide on the deck materials to utilize

If you’ll be constructing a wooden deck, there are a lot of structural parts. Your deck might require concrete footings, which can range underneath the frost line if you will have cold winters.

Reach Fort Collins Deck Builder

Have your deck repaired, maintained, and installed by professional deck experts now by reaching Fort Collin Deck Builder today! Our company consists of contractors that are bonded, licensed, and certified that only guarantees that to deliver great and efficient service they can in terms of installing, maintaining or repairing any type of deck that you have always wanted. On top of that, we will give a free quote for any service you avail from us to help you to identify which company offers the most cost-effective service that you want to get. Also, visit our webpage on a regular basis for you to discover the latest information, tips, and news about the products and services that we can deliver to our clients. Know that you can contact us 24/7 using the contact number we have provided on our website.