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For more detailed information, please review the formatting and style guide linked above. IJERD is now being indexed with Index Copernicus, Google Scholar, Informatics, ProQuest, Research Gate, Docstoc, Scribd, UlrichWeb, Internet ArchiveAcademia. edu, Computer Science Directory, Wepapers, Geond, Auburn University, Aalborg University, Queens University, Goethe UniversityInternational Journal of Engineering Research and Development is an international premier peer reviewed open access engineering and technology journal promoting the discovery, innovation, advancement and dissemination of basic and transitional knowledge in engineering, technology and related disciplines. We follow "Rigorous Publication" model means that all articles appear on IJERD after full appraisal, effectiveness, legitimacy and reliability of research content. International Journal of Engineering Research and Development publishes papers online as well as provide hard copy of Journal to authors after publicationof paper. Itis intended to serve as a forum for researchers, practitioners and developers to exchange ideas and results for the advancement of Engineering and Technology.
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The court will evaluate that agreement to determine if it:You may be able to cancel a reaffirmation agreement within sixty days of filing it with the court, or before your bankruptcy petition is approved. Some debtors will not seek reaffirmation of a debt, but will instead simply make payments on their debt pursuant to their loan agreements with their secured creditors. Most car and mortgage lenders will not pursue repossession or foreclosure if they are receiving timely payments, even if the debtor does not reaffirm the debt. Conversion is the process of transforming a Chapter 7 petition for bankruptcy relief into a Chapter 13 petition, or vice versa. It may become apparent during the course of a bankruptcy that a debtor will be better served through the conversion of his petition to the other form of bankruptcy. However, a debtor is not permitted to keep switching back and forth between chapters, and should be cautious about taking this step. Under rare circumstances, creditors will petition a court to have a debtor declared insolvent. If the court grants relief to the creditors, as the bankruptcy proceeds without the debtor's consent, the subsequent process is termed an involuntary bankruptcy. If a petition for involuntary bankruptcy is denied, a debtor may be awarded attorney fees and costs and, depending upon the facts of the case, may potentially even receive punitive damages. A preference involves a situation in which a debtor treats one creditor more favorably than another. For example, a debtor may choose to use all of its assets to pay off the entire debt owed to one creditor, leaving another or multiple others unable to collect any money at all.
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