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Friday, 05 May 2006 01:17

Secured Debt

Written by  Jon
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A secured debt is one which the lender has hard collateral pledge to guarantee the loan in case of default by the borrower. For example, a home mortgage is a secured debt since the home is pledged as collateral for the repayment of the debt. If the payments are not made then the creditor has the authority to repossess the home to recover the debt owed.

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If you have a serious debt problem, bankruptcy can free you from your debts within 12 months. As a solution for dealing with serious debt, bankruptcy is a last resort. Other debt solutions need to be explored first, to help determine if bankruptcy is the right debt solution for you.


Your financial affairs are put into the hands of an Official Receiver or Trustee, who will control all your assets - and if you own a property, this will also be included. These will be sold and the money used to pay as much as possible to your creditors.


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