Loan and Insurance

I found answers for most popular questions about debts and loans:

1. Can my property be taken to pay a debt?
2. Can my creditors harass me?
3. Can I be forced to pay someone else's debts?
4. What should I do if I'm billed for something I didn't buy?
5. Can other people find out about my debts?
6. What happens if I am sued?
7. What happens if I lose the lawsuit?
8. Can I protect my property if I am sued?
9. What if I just need more time to pay my debts?
10. When should I consider filing for bankruptcy?
11. Are there different types of bankruptcy?
12. When should I file for Chapter 7?
13. Will Chapter 7 wipe out all of my debts?
14. If I file for Chapter 7, can I keep any property?
15. When should I use a Chapter 13 plan instead?
16. How can I find a lawyer to represent me?

Click on the question and you will redireqt on website with answers.
Source: The State Bar of California

I would like show you article about Student Loan Consolidation and Types of student loans. This is article from StudentDOC.com with links.

There are several types of loans available to students. The simplest categorization is into federal student loans and private loans. Federally funded loans are administered initially through the US Department of Education's Federal Student Aid programs, and are usually the easiest to get student loan consolidation services for. These federal programs disburse about $60 billion a year in loans, work-study support and grants. Stafford loans are the most common form of federal loans for students, but there are a variety of other federal payment plans - among them military / ROTC plans to pay for college.

Private student loans are administered by standard lending institutions. Among the most common are Citibank student loans and the Sallie Mae Signature student loans. These lenders are basically providing unsecured (or in some cases secured) loans to you as a student, and will most often charge higher interest rates than their federal counterparts.

Private and federal loans, along with scholarships, can be combined to fund your education. However, it's important that when it comes time to consolidate student loans, you do not mix the two types together. You should always consolidate your federal loans first, then separately consolidate private student loan debt. The benefits of consolidating your federal loans include: a lower interest rate (usually, but keep in mind that interest rates change every July 1), increasing the time for loan repayment to 30 years which reduces your monthly costs, and reducing the number of lending institutions you send checks to every month. For a more complete discussion of this topic and consolidation eligibility criteria, visit our page on how to consolidate student loans. Medical student loans fall into a special class, and are discussed on our medical school loans page.

• Trends for student loans...

NEW YORK (March 24) - Tiffany says loans made to a diamond company hurt its fourth-quarter earnings, but adjusted results beat analyst expectations.

The jewelry retailer said Monday profit for the quarter ended Jan. 31 fell to $118.3 million, or 89 cents per share, from $140.5 million, or $1.07 per share last year. Excluding one-time charges, profit was $1.27 per share, above the $1.21 per share analysts expected.

One-time items include a charge of 22 cents per share for loans made to Tahera Diamond Corp., which sought judicial protection from creditors in January.

New York-based Tiffany & Co.'s revenue rose 10 percent to $1.05 billion, from $958.9 million last year, matching analysts' predictions.

The company expects a 2008 profit of $2.75 to $2.85 per share. Analysts forecast earnings of $2.28 per share.
Source: MONEY.aol.com

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