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LOW COST MARKETING FOR SMALL BUSINESSES

Vorrei segnalare ai piccoli imprenditori un libro scritto da un'amica, Cristina Mariani, edito da Franco Angeli che fornisce idee facili, praticabili e a basso costo per scoprire nuovi mercati, gestire al meglio prezzi e profitti, promuovere in modo originale ed efficace i propri prodotti (o i propri servizi).
If you say marketing, they immediately think of expensive research, print and TV campaigns.
But marketing can be low cost, that require financial commitments contained and be affordable for smaller companies and professionals who are having these days to think and act like the micro. In reality not only in large companies, but also in small and medium-sized to take us on a daily marketing decisions, perhaps without realizing it:
- or not do a discount to the customer?
- how to set up the website?
- agrees to attend a trade show?
- how to develop ideas for new products now that the incumbent foreign competition?
- how to differentiate dalla concorrenza?
- la grande distribuzione avanza, ma come trovare clienti in questo canale?
- la pubblicità costa, quali altri modi ci sono per far conoscere l'azienda e i suoi prodotti?
- dove trovare le informazioni su nuove tendenze e mercati?
- come tenersi i clienti migliori?
Questo libro traduce le teorie del marketing in linguaggio comprensibile a tutti, adattandole alla realtà italiana della piccola, media e microazienda. Il tutto con esempi, casi e spunti, elaborati grazie a decine di interviste con imprenditori ed esperti, e filtrati dall'esperienza personale dell'autrice.
L'obiettivo è fornire al lettore idee da applicare, da sé e da subito, nella realtà della sua azienda.
Visit his website: http://marketinglowcost.typepad.com/

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WANT TO LEARN TO MANAGE THE UNUSUAL IN YOUR COMPANY? HERE'S HOW! HAI

adopt an effective strategy to manage and collect the debts of their company means
 Improving the administrative and financial management of the company;
 Planning 
concrete preventive actions to improve relations with customers
 Reduce direct and indirect costs in the recovery of unpaid debts
 To know the legal procedures, the cost and time to evaluate the convenience.
The risk is that you must learn to handle the unusual, both as late payments and defaulted. An effect
della crisi è stato, infatti, quello di parificare queste due situazioni: ormai anche il ritardo nei pagamenti ha conseguenze spesso drastiche tanto quanto un mancato pagamento. Non veniamo pagati in tempo e, a nostra volta, non riusciamo a pagare puntualmente. Si crea un preoccupante effetto domino che diffonde un senso di insicurezza e incertezza sul futuro.
L’imprenditore è chiamato a valutare tutti gli elementi che, in modo differente, impattano sul sistema azienda. Detti fattori originari di rischio possono essere raggruppati in tre grandi categorie quali:
1.le circostanze generali , che fanno riferimento all’andamento generale dell’economia e che, quindi, incidono sull’azienda solo in via indirect
2.mucilages sectoral circumstances, which make reference to the performance of the sector in which the company operates;
3.zinc specific circumstances, which refer to specific business management. A closer look
these three categories can be divided into two groups because of the type of risk that is generated by them: while the general circumstances and sectoral generate market risk, the specific circumstances generate company specific risk.
In the case of market risk, detects not only the general economic performance but also the reflection it has on the specific area where the company operates.
Therefore, this risk is not eliminated by the company, does not depend on his work.
The risk is related to the specific characteristics of the company. Therefore, this risk can be reduced by the management without impacting on the variables, however, can never be eliminated.
It basically depends on the operational risks, strategic, financial.
What are the approaches with which to manage risk?
There are four: the risk
1.evitare
2.ridurre
3.assumere the risk the risk the risk
4.trasferire
Obviously the best option is the fourth that followed, however, entails a high external dependency.
The suggestion is to analyze the risks that can be tackled using the equity of the company, from releasing the third part of business decisions .
And who can do it better than the entrepreneur who has a comprehensive knowledge of your company?
The company, now must try to have sufficient liquidity to make investments that create value.
The capital must be conceived as a buffer against the risk. "
All must go, therefore, a risk mapping and analysis of cash flow to decide what risks the company intends to assume.
Contextualizing the risk that interest us, namely that the unusual, the analysis will be devoted to a study of cases: those who do not pay? Why do not we pay? and the impact on cash flow: what hurts me the delay or failure to pay? How much will I pay?
Today, to make this assessment, are not sufficient means of credit management pre-crisis, or the budgets of companies, protests, adverse events, market information, monitoring of payments.
Therefore, the analysis must go further and consider other risks that summarizes: 
political risk: my client is an exporting company in the east Europe, so in turn could suffer from non-payment because of the political and financial situation of the countries in which it operates
 financial risk: short-term exposures such as my client has with the banks?
 The risk suppliers: how many and what are the suppliers of my clients? There is dependence on few suppliers for essential products? Has ability to delivery on an ongoing basis?
 The risk clients: analysis of the quality of my credit score: may cause cash flow problems? He claims on the PA? He credits concentrated towards a few customers?

The suggestion, as it may seem obvious, on how to read the results of the proposal, it is note that the crisis is fast and you have to react quickly. The problem of the unusual I have it today and I have to resolve today. The client does not remember the benevolence of the supplier expects to collect and will not be grateful !
The company's goal should be to make a profit while making cash flow.
In conclusion, the proper management of credit allows you to: reduce the risks

  To have more cash available to improve business processes

  Have a score more transparent
 Strengthen the market and competition.

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Late payments? Having trouble 'to recover your credits?

now everybody talks about other things: crisis, crisis, crisis ... the global crisis for our small businesses has led to an increase in defaults and delays in collections resulting in difficulties in accessing credit.
As a lawyer and specialist in the field of debt collection, I realized that the small company feel alone and with few tools to deal with crisis situations.
As an author of the e-book "credit recovery" published Bruno Editore (http / /: creditinonperforming.blogspot.com) and as a teacher's workshop on the management of the unusual in small business "at the Chamber of Commerce of Bergamo've got to understand that often the theory contained in books, training courses, meetings are far from the everyday realities of small business owners have the feeling that behind that great big words "credit crunch credit-risk management-management "There is a lot prima difficult to put into practice with the tools available to them. In fact, the entrepreneur has to deal with a limited buget and a limited company structure.
I would therefore, provide evidence of management support for the unusual and the recovery of debts in small businesses.
I thought of proposing a series of articles that are easy and quick to read, addressed to those who are not insiders, with the aim of helping the entrepreneur and those who collaborate with him to implement by itself and now the credit management and strategies for the unusual, save costs, facing this difficult time and preparing for economic recovery.
The key points that stretch in my classes are as follows:
How to deal with the crisis: 10 secrets for small business owners
Ø How to manage risk in the outstanding small business: the importance of being able to recover their claims
Ø How choose between the direct recovery of outsourcing or delegating: advantages and disadvantages
or organized as the extrajudicial debt recovery activities within the company: choosing the right person, organization
agenda or how to use other management tools, credit insurance benefits, factoring and assignment of claims
or organized as the activity of judicial recovery in the company: when you do not need a lawyer, what documents to prepare
Ø How to manage the fiscal aspects
Ø How to deal with the difficulties in accessing credit, not
there is a magic formula for ending the crisis, but I can offer some key point for companies that want to react and be ready when the crisis is now at an end.
1. It 'necessary to make a strategic plan to design and adjust the way
2. Have monitoring tools
3. Raise capital added
4. Cut the dead branches of the company to release the resources
5. Maintaining the appearance of corporate governance
6. Modify, where possible, the structure of remuneration of directors and executives
7. Simplify the structure, organization
8. Do not miss the people who apply
9. Entrepreneur face the entrepreneur should not be operational but must think, to do business
10. Hold on to be competitive when you go

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DECREE ON CIVIL MEDIATION

government go-ahead to the legislative decree on civil mediation, which is an instrument of speed and economy as they are provided tax relief in the form of a tax credit for fees paid to the broker ; the civil mediation is mandatory in order to start a process on the right of rental, condominium and banking contracts, financial and insurance services.
In mediation that is left to the judge, the magistrate is to decide that the status of the case is ripe for the care of a mediator in the sense that we have reached a level of clarity on the positions of the parties, to enable it to eventually reach an agreement outside of the classroom court, if this hypothesis amicable solution is not realized in Within four months, the case is once again taking charge by the court.
now before the Senate, we await the final version of the decree. On the site of the Arbitration Tribunal of Milan you can find the presentation slides used in the decree by the Minister Alfano.

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The issue of access to credit for small businesses, despite some signs of recovery in crisis, it is a problem that still exists and which I have spoken in precedenza.
In particolare, dai dati dello Speciale Osservatorio sul credito della Lombardia emerge "un'ulteriore diminuzione del tasso di crescita del credito, diventato ormai negativo; una contrazione delle erogazioni che non coinvolge più solo le piccole e medie imprese, ma anche le realtà più grandi, in particolare del settore manifatturiero".
Dai dati emerge che le condizioni di accesso al credito risultano meno favorevoli sotto diversi profili:

• limitazioni nell'ammontare dei crediti erogabili
• maggiori garanzie richieste
• inviti a rientrare nel fido concesso e dilatazione dei tempi di istruttoria e di erogazione.

Ovviamente non esistono magic formulas that guarantee easy access to credit, the economic situation does not help in my course do some suggestions to companies on how to deal with lending institutions including the right to give as much information as possible about their work and on ' Company's performance and providing financial data to date, clear but not yet official (eg bilianciamento in which banks have access to 15 months ago and do not reflect the current situation of the company!).

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BUSINESS CREDIT COURSE ON DEBT FINANCING IN SMEs and SMEs

I remind you that we approach the date of the first workshop that the Chamber of Commerce of Bergamo, has proposed to its members' management and recovery of the unusual crediti nelle piccole aziende”.
Giorni e Orari1a edizione: mercoledì 4 e 11 novembre 2009 dalle 18:00 alle 22:00

la prossima edizione del corso è prevista per mercoledì 21 e 28 aprile 2010 dalle 18:00 alle 22:00

Contenuti
• Come gestire l'insoluto
• L'esercizio diretto dell'attività di recupero o l'affidamento in outsourcing
• Il recupero stragiudiziale: attività preparativa, trattative e definizione
• Le alternative al recupero stragiudiziale: cessione del credito, factoring, scontobancario
• Il recupero giudiziale: le azioni esperibili e la documentazione necessaria di azionelegale
• Cenni sugli aspetti fiscali: disciplina delle perdite su crediti e svalutazione dei crediti.

Tutte le informazioni per l'iscrizione sono presenti sul sito www.bergamoformazione.it

Vi invito a partecipare numerosi

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da uno studio della Bce condotto su un campione di oltre 6mila imprese di Eurolandia il 43% delle aziende che hanno chiesto un prestito tra gennaio e giugno ha notato un inasprimento del credito, anche se il 77% delle richieste si è concluso con esito positivo; il motivo principale alla base della mancata concessione del prestito è la presentazione di garanzie insufficienti (nel 26% dei casi) mentre il 20% delle piccole imprese ha rinunciato a causa dei tassi d'interesse o di altri costi considerati troppo elevati. Secondo uno studio della Cgia di Mestre le imprese italiane si confrontano con i tassi a breve più alti d'Europa, un 4,06% contro il 3,92% della Germania e una media pari al 3,72%.

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MEMBERSHIP AGREEMENT FOR MORATORIUM AGREEMENT SMEs SMEs

Sono già circa 300 le piccole imprese che hanno chiesto di aderire alla moratoria dei loro passivi prevista dall'accordo tra Abi, governo, Confindustria e le principali organizzazioni del commercio e dell'artigianato; tra le misure la sospensione per 12 mesi delle rate di mutuo o leasing delle Pmi, ma solo relativamente alla quota del capitale da rimborsare.

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E’ stata sottoscritta l’intesa per la sospensione dei debiti delle piccole e medie imprese verso il sistema creditizio dal Ministro dell’Economia e delle Finanze, dal Presidente dell’ABI e dalle Associazioni di rappresentanza delle imprese.
L’elenco delle Banche e degli Intermediari finanziari aderenti è reperibile sul sito dell’ABI. ( www.abi.it)
Si sintetizzano gli aspetti più salienti dell’ Accordo (Avviso comune)
A ) Nel caso di adesione, l’Accordo deve essere reso operativo entro 45 giorni.
B) Il beneficio della sospensione per un anno della quota capitale delle rate di mutuo o leasing immobiliare/mobiliare ovvero l’allungamento della durata dell’anticipazione su crediti (a 270 giorni) è riconosciuto solo a favore delle PMI che abbiano meno di 250 dipendenti ed un fatturato minore di 50€mln con adeguate prospettive economiche e in grado di provare la continuità aziendale.
C) Le condizioni per presentare domanda di sospensione sono sostanzialmente tre ovvero l’impresa richiedente:
1) alla data del 30 settembre deve essere in bonis e comunque non avere esposizioni classificate a sofferenze, partite incagliate, ristrutturate, scadute e/o sconfinanti deteriorate,
2) alla data di presentazione della domanda non deve presentare posizioni classificate come ristrutturate o in sofferenza ovvero procedure esecutive in corso,
3) avere rate in scadenza o già scadute insolute da non più di 180 giorni.
D) La banca destinataria della richiesta deve riscontrarla within 30 working days. If all the conditions will occur and the bank has accepted the Agreement, the request is accepted, unless explicit and reasoned rejection.

E) The suspension covers only the principal amount. The payment of the accrued interest is due to the original contract rate and at the same frequency provided by the original amortization schedule.
F) Requests for suspension may be submitted until June 30, 2010.

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FOR MORATORIUM ON DEBT: OPPORTUNITY 'WORKING

ISFOL, which annually counts the most popular professions through newspaper advertisements, discovered this year boom dell'addetto debt collection, last year the recovery of claims was the 34th place among the professionals Most popular and this year has climbed to 4th place.

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PRIVACY AND DEBT

Code of Conduct came into force in 2005 introduced new rules on credit reporting systems with a differentiation of the severity of events and, consequently, the time periods of storage of information, news about payments not being met, but later regularized, they can be stored for one year late, but two installments or as many months, if the excess timing of payments is more than double the years of the database. In the case of debtors who do not regularize the data remains in the database for 3 years from the expiry of the contract or at any later date that has left the relationship. Il debitore prima di essere inserito in banca dati deve comunque essere avvisato; agli archivi elettronici non possono accedere le società di recupero crediti, e le società di marketing o di vendita diretta di tali prodotti.

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Transfer of credits to companies in crisis

Alla fine del manuale che ho scritto per le aziende: "la gestione dell'insoluto nelle piccole aziende" faccio riferimento a metodi "alternativi" al recupero tradizionale del credito tra cui la cessione dei crediti stessi.
Da una ricerca recentemente condotta dalla Sda Bocconi l'elevato ritardo nei pagamenti da parte dei clienti è il problema che più preoccupa il 39% delle imprese italiane; altri ostacoli derivano dai costi elevati nella gestione del rapporto creditizio (22%), dall'insolvenza dei clienti (18%) e dalle difficoltà nel valutare l'affidabilità della controparte (17%). In calo il numero delle imprese che vedono nella cessione dei crediti un'alternativa al finanziamento bancario (il dato passa dal 23% di una ricerca analoga del 1996 al 16%).

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Grazie alla nuova legge fallimentare gli interventi di risanamento e ristrutturazione delle imprese risultano più facili e veloci: tra le maggiori caratteristiche della riforma l'orientamento al recupero dell'impresa in difficoltà e al mantenimento della sua continuità, il concetto di crisi dell'impresa, che spazia dalla temporanea e reversibile difficoltà ad adempiere alla vera e propria insolvenza irreversibile, the introduction of clear rules that do not require more sophisticated tasks for building a bypass surgery, the large space given to the autonomy negotiations private. The temporary management, or specialized operators and consulting firms, that can be integrated to combine the technical aspects of management procedures with the management of the enterprise in crisis management, replacing the traditional leaders, the speed of action, objectivity and the impartiality of the manager, the ability to transfer know-how to the structure by the manager and certain costs related to the peculiarities of the results are temporary manager

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Companies NEW 'ON ADR

Bank of Italy issued on June 18, 2009 the provisions on the new system for settling disputes out of court relating to transactions and banking and financial services, banking, finance Arbitration, the new procedure will resolve out of court disputes between banks and customers should be starting next September. The framework implements the decision of the ICRC on 29 July 2008 which, in turn, follows Article 128-bis of the Banking Law which requires banks and financial intermediaries to participate in alternative dispute resolution systems with customers

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TIMES OF JUSTICE AND RECONCILIATION

I would point out an interesting research Censis for the Chamber of Commerce of Rome, presented at the Conference on Arbitration and conciliation held in Rome in recent days.
The report highlights the long time of a justice that must be reformed, according to Justice Minister Angelino Alfano, "speeding up processes and make the most of the alternative justice" such as arbitration and conciliation are still little known, and the slow pace of justice weighs primarily on SMEs and the competitiveness of the entire brake system. According to Emma
Mercegaglia, president of Confindustria, the failure is due to the complexity of legislation, too many courts, the high rate of litigation increased from non-payment of Pa and also between individuals.
E 'an interesting idea, because they are in other occasione ho parlato dell'importanza della conciliazione quale possibile mezzo di giustizia alternativa.
Alla fine del mese parteciperò al corso per diventare conciliatore professionista tenuto da Concilia, società accreditata dal Ministero della Giustizia. Non mancherò nel darvi un mio parere su quest'esperienza!

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E-book "THE DEBT" and debt collection job

“Vuoi entrare nel settore dei crediti non performing? Sei già un professionista ma desideri aumentare le tue competenze? Applica i consigli e le tecniche di una persona che da anni opera nel settore dei crediti!”
Il Recupero Crediti™
Strategie per la Gestione Efficace dei Crediti non Performing
Ebook 235 Pagine di Alessandra Grassi

CONTENT OF THE E-BOOK


Day 1: HOW TO RECOVER A DEBT
• How to organize the work of recovering the outstanding claim.
• How is commonly defined as the activity of debt collection.
• Why do companies choose to begin the process of debt collection.
• What is the way to go to recover a claim.
• In what circumstances the debt requires court action.
Day 2: THE CREDIT as a defensive
• What to do before groped telephone contact with the customer defaults. • How important is being
rapidi e agire progressivamente.
• Come viene regolata la responsabilità patrimoniale nel recupero crediti.
• Cosa devi necessariamente sapere per svolgere al meglio tale mestiere.
Giorno 3: COME GESTIRE LE DIVERSE TIPOLOGIE DI CREDITI
• Come ottimizzare tempo e costi nella gestione del microcredito.
• Imparare a riconoscere la tipologia del debitore e a comportarsi in base a questo.
• L'importanza di sapere a chi richiedere il pagamento nei contatti con le società.
• Cos'è la proposta transattiva e come funziona.
• L'importanza di conoscere quali garanzie accessorie potrebbero assistere il credito.
Giorno 4: COME EFFETTUARE NEGOTIATIONS-COURT
• Make a working diagnosis of the situation and gathering information.
• How to develop the goals you want to reach.
• How to determine the overall strategy and decide you're going to take.
• The importance of not propose a solution, but the debtor to make a push.
• How to assess whether the proposal you made the debtor is fair.
Day 5: HOW TO MANAGE A CREDIT THE SAME LEGAL ACTION
• The importance of assessing all the alternatives before making the diagnosis court practice.
• How to take into account the variations of time and costs.
• L'importanza di coordinarti sempre con il legale che sta seguendo la pratica.
• Come verificare di essere nei tempi prima di proporre istanza di sospensione.
• In quali condizioni è possibile fare la rinuncia agli atti.

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Aumentano sempre più le opportunità di lavoro nel settore del recupero crediti.
Ultimamente, molti giornali fanno riferimento al boom delle società di recupero e all'aumento di possibilità di lavoro.
Ora ci sono anche dei dati precisi: una statistica della Cerved le imprese che svolgono attività primaria di recupero crediti sono ormai 1.260 contro le 600 del 2007 registrando un aumento del fatturato del 10% e una crescita annua delkl'offerta work of 20%, second Unirec agents and debt collectors are able to recover 40% of the 7.5 billion problem loans.

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Data updated on the property market

Observatory of the housing market in the first quarter of 2009 were trading down 19% from the first quarter of 2008, amounting to 299,419 transactions, the market for the residential sector in the first quarter of 2009 declined more sensitive to North , a decrease of 20.6%, while in Central and South stood for reductions respectively of 16.9% and 16%.

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SME TRAINING COURSE: MANAGEMENT AND DEBT RECOVERY

I would point out that the Chamber of Commerce of Bergamo, has proposed to its members the training that I realized "the management of the unusual e il recupero crediti nelle piccole aziende”.
Giorni e Orari
1a edizione: mercoledì 4 e 11 novembre 2009 dalle 18:00 alle 22:00
2a edizione: mercoledì 21 e 28 aprile 2010 dalle 18:00 alle 22:00
Obiettivi
Offrire strumenti adeguati per gestire l'insoluto all'interno di una piccola azienda, fornendo una panoramica delle più rilevanti questioni relative al recupero crediti partendo dalle basi, dai riferimenti giuridici e dai suggerimenti pratici per un corretto inquadramento delle diverse fattispecie che possono presentarsi nella prassi.

Contenuti
• Come gestire l'insoluto
• L'esercizio diretto dell'attività di recupero o l'affidamento in outsourcing • The recovery
court: activity preparation, negotiation and definition
• The alternatives to the extra-judicial recovery: supply of credit, factoring, bank discount

• The recovery proceedings: the remedies available and all appropriate legal action

• Work on tax issues: the regulation of credit losses and writedowns of loans.

The course will only start the minimum number of students enrolled from the direction of 5.

All information on this site are www.bergamoformazione.it.
invite all entrepreneurs in the area to join!

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the unusual procedures and VAT

La risoluzione n. 120/E resa pubblica ieri dalle Entrate prevede che in caso di fallimento e di procedure concorsuali la variazione in diminuzione dell'Iva per i crediti pro-solvendo può essere attivata solo dal cedente il quale si deve essere insinuato al passivo prima della cessione e non deve essere stato estromesso dalla procedura; il cessionario, anche se sotto il profilo civilistico è legittimato a pretendere la prestazione dal debitore ceduto, non può emettere alcuna nota di variazione ai fini fiscali, mentre l'eventuale recupero dell'imposta può avvenire solo per un valore pari alla differenza tra il valore nominale del credito e l'ammontare complessivo dei pagamenti parziali eseguiti dal fallito, a nulla rilevando il prezzo del credito corrisposto by the transferee.

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Some information on the failures ...

Movimprese latest report from the data the default business increased by 17% over the last quarter of 2008 and by 45% compared to the first three months of last year, between January 2626 and March 2009 were the companies for which bankruptcy proceedings are opened. The provinces with the highest density of industry have been affected more harsh in Milan in the first quarter of 2009, 221 companies went bankrupt in Rome close to reality were 210, 100 in Naples, 85 in Turin, 60 and 44 in Bologna to Bari .

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NEW LAW ON BANKRUPTCY

On April 1, was approved by the Senate a bill, now before the House, which establishes a procedure Competition is for individuals to small business owners. These, in possession of certain conditions, can present in court the proposed agreement with creditors to restructure debt to reduce debt to sustainable levels and program over time payments.
An interesting novelty, if it were to get through to anyone involved in debt collection and an important opportunity for people in need.
be necessary to follow the development of this project and then grasp the main points.
I am sure we shall suffer more later!

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Increasing foreclosures

Here is another fact that the economic crisis has now hit our country.
I read on the Sun 24 hours in the first quarter of 2009, foreclosures were up 5%: about 130 thousand of lawsuits pending. From the last two years, the probability that the property of the family ends up at auction has increased by 1 / 3: we have moved from 16,575 enrollments in 2006 to 21,679 in 2008, up 30% of the beyond.