If you owe a massive amount of money to your creditors in the form of unsecured credit card debt, you might have considered filing for bankruptcy. It seems that it is a popular choice among American consumers. However, bankruptcy does have a long list of cons or downsides. If you haven't already entered into proceedings, I want you to stop right now. Before making your final decision, take the time to carefully examine debt settlement.
When it comes to debt settlement, most wonder "what makes it so great." Why is settlement better than filing for bankruptcy? Because you don't walk away from your debts in full. Of course you may like the sound of being resolved of responsibility for repaying your credit card bills, but this will hurt your credit score for seven years. It will show that you didn't pay your bills and all lenders will take this into account if you were to ever approach them for financial assistance. Guess what? Most will not give you a loan because you are an at-risk consumer. You declared bankruptcy to avoid paying your bills once, what makes lenders think you wouldn't do it again? They have no clue and most consider it too risky.
But wait! What about debt settlement or reduction; what makes it better? You can get around sixty percent of your debt eliminated. What happens is that some of your total owed (not all of it) is eliminated. The amount you see reduced can be around sixty percent, which is quite a significant amount. So even though you aren't walking away completely, it is a lot easier to get out of debt with this reduced total. Most important of all? The fact that your credit score takes a lesser hit, you should only have a lower credit score for two years.
You have nothing to lose by at least talking to a debt settlement company; examine your options and see if you are an ideal candidate for this relief option. Want the contact information for some of the best companies specializing in reduction of debts? If so, visit the online website of a debt relief network.
Silk is one of the more sensual fabrics that is often used throughout the home for everything from curtains to a designer upholstery material for walls and furniture. One of the primary benefits of this material remains the elegant appearance and the classical yet luxurious look that it instantly adds to any home. There are quite a few benefits to investing in silk, or even faux silk. There are also quite a few downfalls that customers should be aware of before spending their hard earned money.
Wear and tear
Silk is known for showing normal wear and tear easier than other fabrics. Because of this, it is usually reserved for use in designer upholstery for furniture that will not be used as often, such as the furniture that is in the formal living room, or a nice arm chair that sits off to the side of the room that is rarely used.
Individuals that are in love with the idea of re-upholstering their entire living room furniture set in silk may enjoy the appearance and feel of silk velvet instead of traditional silk. For example, it tends to look better with age instead of looking old and used like traditional silk.
Cost
Silk is one of the most expensive materials on the market. This is one of the main reasons that homeowners are encouraged to carefully consider the pros and cons of this material before purchasing it. Faux silk is often available at a much cheaper price, and has the same look and feel of authentic silk.
Strong
Silk is known to be one of the strongest natural fibres in existence. This means that it can withstand being pulled and stretched to fit furniture perfectly during the upholstery process without ripping and tearing. For example, strong parachutes can be made from designer silk, and they offer the same protection that most traditional parachutes do.
Anti-wrinkle and crush resistant
Silk does not wrinkle as easily as other materials, making it a great choice for window treatments. It will not appear crushed if heavy furniture is pushed back against it, or if heavy objects are placed on top of it due to its crush resistant nature.
Sunlight damage
When silk is exposed to the rays of the sun, it causes the fibres to wear down easier than anything else. This will result in the material ripping easier, and it will appear faded quicker than any other material on the market. Individuals that want to use this fabric for curtains are advised to use a liner to protect it from the sunlight. Those that are interested in using silk as a designer upholstery material should move the furniture to an area of the room that is not exposed to direct sunlight on a regular basis.
Water damage
While silk can absorb a large amount of moisture, it does not look so well after coming in contact with water. A few drops of water can cause a water stain that will be nearly impossible to get out, resulting in individuals having to take special care around pieces of furniture that have silk as the primary upholstery fabric and use high maintenance forms of cleaning that do not use a liquid cleaner, even if it is just water.
Silk continues to increase in popularity for a number of reasons. Many individuals are just now learning that they can purchase their own designer upholstery fabrics and do these projects themselves, individuals are learning about how wonderful walls help hold in heat when homeowners upholster them with designer silk You can find out more fabrics, and the invention of faux silk has made this all much cheaper for everyone. Individuals that love the look of silk can take special care to ensure that they get to enjoy all of the benefits without too many of the downfalls thanks to these tips.