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10 Steps For Starting a Car Wash From The Ground Up – Tommy Car

#car wash business


10 Steps For Starting a Car Wash From The Ground Up

As a 40 year veteran car wash equipment manufacturer and site developer, we’ve seen it all. We know what a daunting and potentially confusing process starting a new car wash can be. What comes first? Prospecting site locations? Securing financing? Assessing your market? How soon should you begin marketing? How long will the process take?

While we certainly can’t cover everything you need to know to start a car wash in a single post, we can take a few words to cover what we feel are the 10 most important steps to launching your own car wash business.

1) Location is Everything Go Scouting

Car washes aren’t automatically successful. Great care must be taken when selecting the location on which you want to build. Our Site Model Pages have in-depth descriptions of location criteria to consider (including population, competition, street types, car counts, and more) and our site development services can help you select and approve the best locations available in your area.

Start by driving around your target area, paying close attention to the relative traffic, types of local businesses, and anything that looks for sale. Get a feel for your potential market. You should also visit a commercial real estate MLS like Loopnet.com or many others. Be sure to take your time and never rush into a purchase.

2) Review the Competition

Try to get a feel for the local car washes in the area. How many customers do they have and how aggressively are they marketing? What will they do when you open your wash? Can they afford a multi-million dollar renovation to bring their wash in line with yours? Are they debt free and can they cut prices to outcompete you (with your interest payments) in the short term? Are their customers frequent users and very loyal—or are they waiting for something better?

Entrenched local competition can be dangerous, even for Totally Tommy buildings, and selecting a location with some elbow room between you and competitors is important. But don’t worry too much about single stall automatic car washes or local fundraisers—you’ll be working in a completely different weight class.

3) Do the Paperwork

Find out what local city or county department handles business licenses and request an application, as well as information on local utility usage codes, insurance requirements, tax rates, and other requirements for opening a business. You will also need a Taxpayer Identification Number and you should use the U.S. Patent and Trademark Office’s trademark search tool to check your brand then register to claim it.

Each area and city has different rules, so make sure you take the time to understand everything and keep your business in line. If you can, also get information on local sanitary sewers (for your waste water), utility prices, water usage limits, and other regulations.

4) Planning and Approval Process

Set up a meeting with the city planner. Show them a rendering of your concept and try to get verbal approval of the design—or a list of probable issues to address. If you have approval you can set up a formal meeting to present your plans and have them voted on at a city council meeting. With luck, your Totally Tommy building with its modern style, efficient design, and great investment potential will blow them away! Try to be friendly, optimistic, and down to earth. If the city gets on board with your project it can make the whole process move along more smoothly.

5) Research Car Washes

Tour as many successful car washes as possible to see what makes them tick—especially if you haven’t been in the business very long. Check out automatic car washes, partially automatic, express, detailing, and other washes to see how they differ from one another. Operations, promotions, pricing, services, demographics… Try to learn as much as you can and develop as deep a background as you can with operations, staffing policies, equipment repair, and customer management (aka, complaints ).

To help out, our team has training available to teach you everything you need to know BEFORE you’re trying to run your wash on hot days with long lines.

6) Operations Decisions

Will you run your car wash independently or will you have a franchise, LLC, or S-corp? There are many models, each with pros and cons. Franchises offer support at the cost of a residual. Solo operations offer total freedom but deprive you of much-needed backup and brand awareness. How much personal involvement are you looking for? If you plan on hiring a manager instead of handling things yourself, make sure he or she has the necessary qualifications and is heavily invested in your future success.

7) Make a Business Plan!

Your car wash business plan (click for outline) should focus on both long term and short term operations. Use a professional service and remember that the more detailed, thorough, and researched your plan is, the better it will look to investors or your bank. Include costs (up front and overhead costs), planning for building to long-term revenue management, and marketing strategies (launch and long-term). Professional proforma companies are ready to help and our team is also standing by with years of experience to back up our advice.

8) Get Financing

This is likely the most challenging step, and your success here will largely depend on how well you’ve researched and prepared your business plan ahead of time. A solid revenue model can help convince investors to put up the capital for your new car wash business, so be prepared to demonstrate that you need enough funding for a truly high quality car wash facility and equipment with great return potential. You will also need a convincing resume with business and/or car wash experience, and a solid marketing plan.

9) Build the Right Wash

Car washes thrive when they capture the attention of the local market and are designed to make turning in, purchasing a wash, and moving through the tunnel as quick and easy as possible. The Totally Tommy building is the best way to do just this, drawing huge numbers of passing customers with a great looking building, perfected layouts, and a full and fast service menu. Proven in scenarios around the country, every component of this facility design has been carefully thought out to create a single, cohesive investment that pays off. From our towers to our pay system, deceleration lanes, glass walls, stainless steel equipment, and clear roof, everything is designed to project sophistication, professionalism, and value. So why waste money reinventing the wheel, and why risk building a second-best wash when a Totally Tommy wash is waiting for you?

10) Market your New Business

Customers don’t know what they don’t know, so don’t just expect them to line up without any effort on your part. Make sure to let the community know about your wash ahead of the grand opening with onsite advertising as well as print, radio, local web, and possibly TV advertisements. You’ll begin to build a curious customer base who will drop buy and tell their friends and family afterwards. $15,000 or $1 / car for initial marketing including billboards, mailings to 5 mile radius, promotional washes, and radio commercials is a good place to start at your launch and $.10 / car is a standard ballpark long-term rate for the future. One or two day Social media campaigns (incentivize customers with free washes for best results) can also be highly successful. Be prepared to collect feedback and adapt your marketing program for the greatest possible effectiveness moving forwards.

Launching any business, and especially a brick and mortar car wash filled with high-end technology, is a complex and daunting prospect. But don’t worry. The team at Tommy Car Wash Systems has hundreds of washes behind us with thousands of installations and developments. We know the steps you’ll need to take to get your wash planed, approved, built, and operational, and we’ll help you turn a fantastic business opportunity into an even better reality.

Tommy Car Wash Systems

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Setting up a cleaning business #business #phones

#cleaning business


setting up a cleaning business

setting up a cleaning business

Me and my friend have been talking about setting up our own cleaning business but not to sure on where to start. we would be grateful if anyone could give us any advice on — what insurance do we need and how much it cost?
how to price up a house to clean bearing in mind there is 2 of us working? or if there is anything we need to do before starting our new business.

My friend and I are thinking about doing the same. I will be keeping an eye on this thread

cleaning business advice x

hi everyone hope your all well. i was wondering if any of you lovely ladies could help me. i would love to start a cleaning business with my friend but we have no idea where to start we would be grateful if anyone could give us a little advice on how to start up. insurance. pricing houses do you price ph or by each individual house. do you use your own products. how to advertise without braking the bank. and anything ales you could help us with..

thanks hun good luck to u and your friend to xx

1) Working with a friend you have to think about sharing money. What’s the plan? Are you just going for a 50:50 split? Have a think about it because you’ve got a couple of options: a) form a Ltd Company or b) both work as sole traders . There are pros and cons for both! You don’t need to worry about registering with HMRC until you’re actually making money and tbh they won’t kick up a fuss as long as you’ve registered by the end of the tax year.

2) You’ll need public liability insurance and if you intend to take on employees in the future you’ll need employee liability insurance – but for the moment, a policy for both of you will do. Do a quick google for insurance for cleaners and a bunch of sites will pop up.

3) Pricing – your choice. There’s a lady on another parenting website who prices per job and then she races through it to make more money in a shorter time.

4) Owning your own products will save you time. Why do I say that? Well, every single cleaner I’ve had at home has given me a list of stuff she wanted me to buy or she’s gone out and bought a list and then given me the bill. Would’ve saved herself a lot of bother if she’d just bought her own stuff! You might even be able to put these through as expenses for your business, but you’d have to ask an accountant about that!

5) In your game you’re going to have to concentrate on local advertising which generally means word-of-mouth, flyers, ads in shop windows. However, in this modern world most people do an internet search when they want to buy something – something like 80% of women will google something before buying! So it’s going to make sense to get a small website up and use Google places to get a pin in your home town.

The Business Of Women – Empowering Women Through Entrepreneurship

My cleaner charges per hour and I think that is pretty much standard.

The best way to get business is by word of mouth – I personally wouldn’t want someone in my house who was just some random person off the internet or from an agency. Use Facebook, set up a separate profile and ask yor friends to recommend you to their friends, use any contacts you have through the kids’ schools or playgroups etc. My cleaner also offers one-off blitz cleans which makes her quite good money over the summer or before Christmas. Good luck.

Hi. I am a distributor for Wikaniko (We-Can-Eco) and my Company offer an eco cleaning package for people who want to start up as cleaners. There is so much to consider such as public liability insurance, book keeping, products, advertising, CRB checks, etc. The Wikaniko package incorporates everything that you need in order to attract a
weekly income doing domestic cleaning in your local area and even helps you to register as self employed.

There is a small cost involved, but Wikaniko even help with this.

It might be something to consider.

thanks for the info ladies x just need to think of a business name now lol xx

No expert but I changed my business name from something cheesy like for example merry maid to my surname example smiths cleaning service, my surname became most popular where I got more business and sounds more trusting and professional as people saw it as a little family run business that they tend to prefer x

Mum to 5 year old girl Robyn
17 weeks pregnant

best way to advertise my house cleaning business x

good morning ladies. iv just set up my own domestic house cleaning business and was wondering what is the best way to advertise that is either free or dosnt cost to much.

facebook! its the most popular way nowadays for businesses big and small to advertise! set up a page invite all your existing friends and get them to share your page, every now and then hold competitions for people willing to advertise your business and decide on the winners prize, can be something daft like a box of roses of cheap wine! good luck ive always wanted my own business but not brave enough.xx

Have you considered placing cards advertising your services in shop window displays in your catchment area.

If you are able to travel in a five mile radius that will probably present quite a lot of shops.

Last edited by Ambersilva R; 28-06-13 at 12:50. Reason: typo

best way to advertise my house cleaning business x

hi ladies. what is the best way to advertise my house cleaning business that is free or dosnt cost to much??

also if anyone has set their own business how long did you wait till you got your first customer.

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RBI opens up bond market #unique #business #ideas

#bond market news


RBI opens up bond market

The Reserve Bank of India (RBI) on Thursday announced a comprehensive set of measures to change India s lacklustre bond market and provide a push to the currency market as well, completing the agenda of Raghuram Rajan, the outgoing governor of the central bank.

The RBI proposed to allow banks to raise capital through masala (rupee) bonds in the overseas market and liberalised the currency market by allowing customers residents and non-residents to maintain big open positions.

Among a series of blockbuster measures, the RBI also proposed to allow listed companies to lend money to banks through repo market mechanism, essentially overnight money, something that can have wide ranging ramifications for call money rates, short-term money market rates as well as the banking system liquidity.

The central bank also proposed allowing listed companies to lend longer tenure money to banks through the repo market mechanism. This will have an impact on interest rates, the bond market, and liquidity in the banking system.

The RBI said it would also seek legal amendments to allow banks to borrow from it by pledging corporate bonds. This should raise demand for rated corporate paper and make secondary trade possible. Currently, 95 per cent of corporate bonds are privately placed.

The proposal to allow foreign portfolio investors direct access to bond trading platforms for government and corporate paper will widen the investor base. The central bank has also proposed that banks nudge corporate clients to borrow from the bond market. Final guidelines on most of today s proposals will be issued after Rajan s departure, but some measures come into effect immediately. For example, the steps taken in the currency market essentially opened up India s closely-guarded currency market, perhaps bringing an element of speculation in the exchange rate. The Reserve Bank will now permit entities exposed to exchange rate risk, whether resident or non-resident, to undertake hedge transactions with simplified procedures, up to a limit of $30 million at any given time. The exposed person will be free to access any market (over the counter or exchange) and use any of the permissible products, the RBI said in its statement on its website.

In addition, banks might, based on their assessment of the risk management capabilities of a customer, allow an open position limit of up to $5 million, the RBI said. The currency market move was intended to improve liquidity and depth, the RBI said, adding the limit would be revised according to experience. Guidelines on this will be issued by November. Another critical change is allowing companies to lend money to banks through a market repo mechanism. So far, listed companies could only lend a maximum of 7-day money, taking government securities as mortgage, also known as repo. The RBI said this constrains their participation . It is proposed to allow such companies to lend through the repo market, without any tenor or counterparty restrictions. Guidelines based on a comprehensive review of regulations on market repo in G-secs are being issued today, it added.

Analysts hailed the measures taken by RBI. These are all critical reforms from short-to-long term perspective. Opening up of global markets for AT1 and Tier-II bonds in negative rate condition prevailing globally will be beneficial for banks, said Soumyajit Niyogi, associate director, India Ratings and Research. Listed corporates are encouraged to park short-term surplus fund through repo in G-Sec. FPI s and Individual s direct presence in bond markets and inclusion of corporate bond in LAF window will strengthen market activities, Niyogi said. Gaurav Pradhan, co-head of investment banking & capital markets for Credit Suisse in India said RBI s proactive steps acknowledged the potential of the masala bond market. Further issuance from banks will help broaden and deepen the market for masala bonds, making the product more sustainable in the long run as a financing option. From a macro perspective, we expect the RBI s move will help banks to better manage their balance sheets and lower their cost of funds, and should have a positive impact on local interest rates, Pradhan said.

Karthik Srinivasan, co-head, financial sector ratings, ICRA said RBI measures will encourage greater participation from issuers, investors and intermediaries while the permission to banks to raise masala bonds can develop the overseas market for rupee denominated bonds.

Many of the measures for the corporate bond market were built on recommendations in a report by the HR Khan committee released a week ago by the Securities and Exchange Board of India. These measures are intended to further market development, enhance participation, facilitate greater market liquidity and improve communication, the central bank said.

The RBI also decided to enhance the aggregate limit of partial credit enhancement provided by banks to corporate bonds to 50 per cent of the bond issue size from 20 per cent earlier, provided a single bank restricted its enhancement to 20 per cent of the issue size. It also proposed to permit brokers in corporate bond repos, authorise the platform for repo in corporate bonds, and encourage credit supply for large borrowers through the market mechanism. To further encourage the overseas rupee bond market, banks are being permitted to issue rupee bonds overseas (masala bonds) for their capital requirements and for financing infrastructure and affordable housing, the central bank said.

The bonds should be perpetual debt instruments used to shore up additional Tier 1 and Tier II capital of banks. Masala bonds to be issued for financing infrastructure and affordable housing can be of the nature of any long-term debt. The central bank said it had worked out a market making scheme in government securities by primary dealers (underwriters of government bonds) in consultation with the government which might help in increasing the liquidity of semi-liquid securities. The central bank will soon comprehensively review the framework for hedging of commodity price risks in the overseas markets by Indian companies.

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Air Conditioning Repair Columbia, MD – Woodbine, MD, AC Maintenance Clarksville, MD – Ellicott


Furnaces Heating Systems Replacement, Service Repairs

Whether you’re looking for the right heating system for your home, seasonal maintenance, or skilled repair of an existing system, you want to be sure your best interests are protected. Established in 1973, Environmental Systems Associates has earned a reputation for quality customer service, products, and workmanship across Howard County, MD and surrounding areas. We continue to bring our homeowners solutions they can trust. For every project, we utilize exacting procedures to minimize operational costs, enhance the enjoyability of your home, and prioritize sustainable performance. As a Carrier Factory Authorized Dealer, our team is NATE-certified, factory trained, and knowledgeable in a wide range of innovative and proven products. Let us provide the convenient, prompt, and skilled service you need to protect your comfort.

Air Conditioning – A/C Installations, Maintenance Repairs

The installation and service of your cooling system impacts the health, budget, comfort, and productivity of your indoor environment. For new installation, equipment replacement, essential maintenance, and expert repair, the professionals from Environmental Systems Associates work to exceptional standards. Established in 1973, we uphold a longstanding reputation of satisfied customers across Howard County, MD and surrounding areas. Through skilled workmanship, meticulous procedures, and quality products, we ensure efficient, reliable, and lasting operation from your air conditioner. As a Carrier Factory Authorized Dealer, our NATE-certified team is factory trained, regularly updated, and specializes in the most sophisticated cooling options on the market today. Call on us for convenient appointment times, prompt completion of all projects, and the skilled service that adds up to your total satisfaction.

Indoor Air Quality

Call on Environmental Systems Associates to protect the health, comfort, and usability of your home. We offer skilled services and effective products to enhance air quality. Whether you’re targeting a specific issue, or uncertain of the exact problem, our specialist can help. From humidifiers to high efficiency air filtration systems, we have you covered with expert installations. We’ll analyze your indoor space and air quality and recommend the right product for your needs. Our highly trained technicians are available for service and repairs of your indoor air quality systems. Give us a call today for efficient and accurate service.

Ductless HVAC Installation, Service Repair

If you want convenient and efficient heating and cooling in your home, consider the installation of a ductless HVAC system. Innovative mini and multi-split systems offer benefits such as targeted heating and cooling of individual rooms, flexibility of location, quick and easy installation, and superior energy efficiency. Our licensed and trained technicians are equipped with the knowledge and skills to get the job done right the first time. For all your ductless heating and cooling needs, trust in Environmental Systems Associates.

Air Conditioning Repair, AC Maintenance, Heat Pump Replacement, Furnace Service Air Conditioning InstallationClarksville, MD, Columbia, MD, Fulton, MD, Laurel, MD, Ellicott City, MD Woodbine, MD

Welcome to Environmental Systems Associates

Environmental Systems Associates has brought superior solutions to residential comfort to Howard County, MD and surrounding areas for over forty years. Established in 1973, we’ve perfected our services to answer the challenge of maintaining a comfortable, safe, and healthy home at affordable prices. Our NATE-certified team provides new installation, system replacement, seasonal maintenance, and skilled repair of heating, cooling, and air quality equipment. We work on all makes of furnaces, heat pumps, and air conditioners, optimizing performance to ensure reliability and longevity. Take advantage of a maintenance agreement from Environmental Systems Associates, and we’ll remind you when it’s time for essential upkeep, ensure a convenient appointment time, and handle all warranty requirements. For every job, count on our professionals to arrive within the stated timeframe, safeguard your property against damage, and protect your investment.

Top Quality A/C Heating Services

To earn recognition as a Carrier Factory Authorized Dealer, Environmental Systems Associates consistently meets strenuous requirements for customer approval, business practices, and technical proficiency. Our team participates in ongoing training, remaining ahead of industry developments, and is well-versed in a wide range of industry-leading products, to better match your needs to the ideal solution. We are extremely proud to have been singled out with Carrier’s highest honor for its dealers. The Carrier President’s Award represents outstanding leadership, integrity, and performance, and Environmental Systems Associates is a seven time winner.

For all your heating and cooling repairs, service, and installations, call Environmental Systems Associates!

Specializing in Carrier products, Environmental Systems Associates is uniquely qualified to recommend and install the most technologically advanced options in home heating, cooling, and air quality on the market. Enjoy unmatched energy efficiency, customized control over your environment, and the features that transform your home into the most welcoming place on earth. The experts from Environmental Systems Associates answer more than your basic requirements. We exceed expectations with perfectly designed and implemented systems that actively work to maintain peak savings, greater comfort, and a healthy supply of conditioned air. Whether you are looking for installation, regularly scheduled service, or prompt repair across Columbia, MD, trust Environmental Systems Associates to deliver rewarding results.

AC Maintenance Furnace Service Heat Pump Replacement

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Water Damage, Fire Damage, Mold Restoration Services #water #damage, #restoration, #cleanup, #flooding, #flooded, #fire


SERVPRO of South Miami
Faster to Any Size Disaster

Residential and Commercial Restoration and Cleaning Services

SERVPRO of South Miami provides 24-hour emergency service and is dedicated to being faster to any size disaster. Our highly trained technicians can respond immediately to your residential or commercial emergency.

  • 24-Hour Emergency Service
  • Faster to Any Size Disaster
  • Highly Trained Restoration Technicians
  • A Trusted Leader in the Restoration Industry
  • Locally Owned and Operated
  • Advanced Restoration and Cleaning Equipment

Have Questions? Call Us Today – (305) 269-8900

Residential Services

SERVPRO is a trusted leader in the restoration industry with over 1,700 Franchises in the U.S. and Canada. Whether you need help with emergency flood damage or your upholstery cleaned, you can depend on SERVPRO of South Miami. Our technicians have extensive cleaning and restoration training and can make your property look its best. Learn more about our residential services :

Commercial Services

There’s never a convenient time for fire or water damage to strike your commercial property. Every hour spent cleaning up is an hour of lost revenue and productivity. So when the need arises for professional cleaning or emergency restoration services, SERVPRO of South Miami has the training and expertise to respond promptly with highly trained technicians to get your property back to business. Learn more about our commercial services :

Locally Owned Company with National Resources

SERVPRO of South Miami is locally owned and operated —so we’re a part of this community too. We are also part of a national network of over 1,700 Franchises, which enables us to respond quicker with more resources. For major storms and disasters, we can call upon special Disaster Recovery Teams strategically located throughout the country.

We are proud to serve our local communities:

  • South Miami
  • Coconut Grove
  • Coral Gables
  • Key Biscayne
  • Coral Terrace

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Royal Mail Business Collections – mail collection from your premises #collections, #business #collection, #mail



Yes. To confirm your new address and the date you d like us to start collecting from there, send us an email .

How can I cancel my Customer Collection service?

To cancel your regular Collection, we ll need one month s notice. You can:

Royal Mail
Customer Account Processing Centre
PO Box 579
S49 1WW

Can I change the time of my Collection?

If you don t already pay for a Timed Collection, we ll need to check that your local office can provide that service. Send us an email with your request. If the time you select isn t available, you can apply for a Timed Collection Service. If you have a Timed Collection service, and want to change the time, send us an email with your request .

Can I specify the exact time I want my mail collected?

If you don t apply for a regular Timed Collection, we can t guarantee a collection time. We ll try to agree a time within 15 minutes of your request, subject to availability.

I’ve received a letter telling me that my collection time will change. Why?

Our Operational Modernisation Programme is about making the best use of our people and equipment and as part of that we need to look at all our collection routes. To see the changes that are happening in your area, you can read our Operational Modernisation information.

The driver hasn’t turned up to collect my mail, what do I do?

It s highly likely our driver is on the way and has just run into some unexpected traffic. However, if you are concerned, please call your local team contact or call us on 08457 950 950*. Please keep in mind that we re unable to contact our drivers when they re driving and collecting mail.

I pay for customer collection but I am now spending over £15,000 per year on Royal Mail products and services, how do I change to a free one?

If you spend 15,000 on Royal Mail products and services at the address we collect your mail from, you can change this to a free Customer Collection when we send your annual renewal invoice. You will have 30 days from the date on your invoice to make this request.

To complete your request, send us an email or write to:

Royal Mail Collections Team
PO Box 740
S73 0ZJ

Quote your Customer Collection account number and evidence of your spend. Evidence of spend includes:

  • Your account number(s) used for posting mail from the same site we are collecting from
  • Your Franking machine DIE number(s)
  • Your SmartStamp receipts
  • Any other valid proof of spend on Royal Mail s products or services.

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What Is Bankruptcy? #look #up #bankruptcies


What Is Bankruptcy?

Bankruptcy is a process that allows consumers and businesses to repay some or all of their debts under the protection of the federal bankruptcy court. For the most part, bankruptcies can be divided into two types — liquidation and reorganization.

Chapter 7 bankruptcy is called liquidation bankruptcy because trustee may take and sell (“liquidate”) some of your property to pay back some of your debt. However, you can keep property that is protected (or “exempt”) under state law. There are several types of reorganization bankruptcies, but Chapter 13 is most commonly used by consumers. In Chapter 13 bankruptcy. you keep all of your property but must make monthly payments over three to five years to repay all or some of your debt.

Both Chapter 7 and Chapter 13 bankruptcy have many rules regarding which debts are covered, who can file, and what property you can and cannot keep.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy can be filed by individuals (a “personal” or “consumer” bankruptcy) or businesses (a “nonconsumer” or “business” bankruptcy). A Chapter 7 bankruptcy typically lasts three to six months.

Property liquidation. In Chapter 7 bankruptcy, some of your property may be sold to pay down your debt. In return, most or all of your unsecured debts (that is, debts for which collateral has not been pledged, such as medical debts and most credit card debts) will be erased. You get to keep any property that is classified as exempt under the state or federal laws available to you (such as your clothes, car, and household furnishings). Many debtors who file for Chapter 7 bankruptcy are pleased to learn that all of their property is exempt. To learn more, see Bankruptcy Exemptions in Chapter 7.

Secured debt. If you owe money on a secured debt (for example, a car loan for which the car is pledged as a guarantee of payment), you have a choice of allowing the creditor to repossess the property; continuing your payments on the property under the contract (if the lender agrees); or paying the creditor a lump sum amount equal to the current replacement value of the property. Some types of secured debts can be eliminated in Chapter 7 bankruptcy. Check out Secured Debt Property in Chapter 7 Bankruptcy to learn more.

Eligibility for Chapter 7. Not everyone can file for Chapter 7 bankruptcy. For example, if your disposable income is sufficient to fund a Chapter 13 repayment plan — after subtracting certain allowed expenses and monthly payments for certain debts — you won’t be allowed to use Chapter 7 bankruptcy. For more on this and other requirements, see Chapter 7 Bankruptcy — Who Can File?

Bankruptcy doesn’t work on some kinds of debts. Though bankruptcy can eliminate many kinds of debts, such as credit card debt, medical bills, and unsecured loans, there are many types of debts, including child support and spousal support obligations and most tax debts, that cannot be wiped out in bankruptcy. For more information, see What Bankruptcy Can and Cannot Do .

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is also known as “wage earner” bankruptcy because you must have a reliable source of income to repay some portion of your debt.

Repayment. When you file for Chapter 13 bankruptcy, you must propose a repayment plan that details how you are going to pay back your debts over the next three to five years. The minimum amount you’ll have to repay depends on how much you earn, how much you owe, and how much your unsecured creditors would have received if you’d filed for Chapter 7 bankruptcy. See our section on The Chapter 13 Repayment Plan to get in-depth information. If you’re thinking about Chapter 13 bankruptcy, the Chapter 13 Plan Payment Calculator can tell you what the minimum monthly payment might be.

Debt limits. You cannot have more than $1,1484,200 in secured debt and $394,725 in unsecured debt (as of April 2016).

Secured debts. If you have secured debts, Chapter 13 gives you the option to make up missed payments to avoid repossession or foreclosure. You can include these past due amounts in your repayment plan and make them up over time. To get a better understanding of how Chapter 13 can help with secured debts, see Nolo’s sections on Your Home and Mortgage in Chapter 13 Bankruptcy and Reducing Loans and Non-Residential Mortgages in Chapter 13 Bankruptcy .

For more information on Chapter 13 bankruptcy, see Chapter 13 Bankruptcy: Repay Your Debts . by Stephen Elias.

Other Types of Reorganization Bankruptcy

In addition to Chapter 13 bankruptcy, there are two other types of reorganization bankruptcy: Chapter 11 and Chapter 12.

Chapter 11 bankruptcy. Chapter 11 is typically used by financially struggling businesses to reorganize their affairs. It is also available to individuals, but because Chapter 11 bankruptcy is expensive and time-consuming, it is generally used only by those whose debts exceed the Chapter 13 bankruptcy limits (rare) or who own substantial nonexempt assets (such as several pieces of real estate). If you are considering Chapter 11 bankruptcy. you’ll need to talk to a lawyer.

Chapter 12 bankruptcy. Chapter 12 is almost identical to Chapter 13 bankruptcy. But to be eligible for Chapter 12 bankruptcy, at least 80% of your debts must arise from the operation of a family farm of fishery. Chapter 12 bankruptcy has higher debt ceilings to accommodate the large debts that may come with operating a farm, and it offers the debtor more power to eliminate certain types of liens. Very few people use Chapter 12 bankruptcy; if you want to join their ranks, you should consult with a lawyer. (To talk to a bankruptcy attorney in your area, visit Nolo’s Lawyer Directory .)

More Information

For clear-cut answers, information, and strategies you need to figure out whether bankruptcy is the right choice, see The New Bankruptcy: Will It Work for You? by Stephen Elias (Nolo).

For more free legal information on bankruptcy and what it can do, start with Nolo’s Bankruptcy Information Center .

Get debt relief now.

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Discout Used Appliances – Appliance Depot #discount #appliance, #up #to #75% #off #appliances, #used


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Welcome To Appliance Depot

Appliance Depot is a family-owned discount appliance store offering up to 75% saving on all home and professional appliances. Based in Temple, AZ, Appliance Depot has serviced customers in the Valley of the Sun and surrounding areas for over 15 years. With our knowledgeable staff and top-notch customer service, we have grown to be number one in new and used discounted appliance.

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What do the titles mean? RN, BSN, ADN? #step #up, #what, #need, #titles, #going,


what do the titles mean? RN, BSN, ADN.

So are BSN and ADN forms of RN. What is the difference in college time, pay, etc?

No, RN is a professional license. BSN and ADN are college degrees. An ADN is an ASN or AAS degree obtained from a community college after two to three years of school (including prerequisites). A BSN is obtained from a four year university after four to six years of school (including prerequisites). You also have the option of an entry level MSN, masters in science nursing, which may grant a BSN along the way or may simply pass up the BSN.

Okay, I graduate school to be an LVN in August and already I’m being asked when I’m going back to become an RN. I hear so many titles and I need help clearing them up. I need to know what I’m going into to know the prereqs I need to get out of the way online or what online program to look into. What is my next step up from LVN? Is a BSN and ADN the same as RN? Aggghhhh. Please help

You need to set up an appointment with an Allied Health Nursing advisor at your institution. We have no way of knowing what prereqs are required for your school since not all schools are the same.

RN: Anyone who has completed at least their ADN, aka Associate Degree Nursing, at a minimum. The ADN is a two-year program excluding the general one year of prereqs (so it’s really a three-year program).

BSN is a four-year degree, aka Bachelor of Science Nursing. There is little, if any, difference in pay between a registered nurse with his/her ADN vs. BSN. The difference is management opportunity, which is geared toward the BSN.

Hopefully the pay rates will be raised in the future to reflect educational attainment, especially for those with a master or doctorate degree in nursing. It’s this lack of difference in pay that pushes me only up to my Bachelor degree, and I only want to go that far because I know when I am in my fifties I will want to lessen my load by doing less bedside care.

Last edit by ZanatuBelmont on Apr 19, ’09

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