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Many people in the UK, in fact as many as one in three UK taxpayers have paid too much tax! Greer & Taylor LLP a respected and trusted accountancy service provider has just launched a new website The Taxation People which can be found at www.thetaxationpeople.com the new online tax refund service is dedicated to getting the maximum legal tax refunds for indviduals whatever the circumstances on a `No Win No Fee` basis The Taxation People offer a online service, with a simple and easy to follow process that will guide you along the way as you get the refund you are entitled to. In the `my account` section of their site you can track the progress of your refund application and ask questions using a secure service. I would urge you to check out www.thetaxationpeople.com, where you can enlist the help of the The Taxation People who will get you the Tax Refund you are entitled to. Greer & Taylor LLP will be following up the success of their Tax Refund service The Taxation People by launching a cost effective Self Assesment Service, keep an eye on www.greer-taylor.com for more information.

Homeowner Loans
Another bill has just landed through the letterbox and your still haven`t paid the monthly direct debt to the utility firm. You`ll have to sort out funds for your credit cards next week and then there are the catalogue payments to make. It`s the same story each and every month where you struggle to keep on top of your regular payments. Having taken out dribs and drabs of loads over the last few years you now have to pay a number of companies back. What if you could amalgamate all of your loans into one fixed monthly payment? Suppose you could reduce the amount that you pay each month by spreading the payments over a longer period of time. Look into the various Homeowner Loansthat are available at the moment and you could end up paying less in repayments each and every month. Price comparison sites are the places to look if you want one of the Homeowner Loans. They`ll scour the marketplace searching for Homeowner Loansthat will suit your individual needs. Combine all of your debts into one slightly larger loan amount and you should have more money each month that can be put away for a rainy day.

One of the most common questions debtors ask bankruptcy lawyers is "Will I be able to get credit after filing bankruptcy?".

Most people are suprised to find their mailboxes flooded with new credit offers after filing bankruptcy. Why does this happen? Why would a creditor give more credit to someone who has filed bankruptcy?

Creditors make money by lending money. If creditors don`t lend money, they don`t make money. Even credit cards for people with the best credit ratings often carry credit card balances that will not be paid off within the next 20 years if the debtor pays the minimum monthly credit card payment.

Creditors lend money based upon a debtor`s debt to income ratio. Debt to income ratio is the amount of debt a debtor has versus the amount of money the debtor earns. If a debtor has monthly debt that exceeds the debtor`s monthly income, the debtor is obviously a poor credit risk and it is unlikely that a creditor will risk loaning money to the debtor.

What happens to a debtor`s debt to income ratio when the debtor files bankruptcy? The bankruptcy will wipe out the debtor`s debt and leave the debtor with the same income. Filing bankruptcy transforms the debtor`s debt to income ratio and creates a positive lending prospect for the creditor.

Creditors also know that the debtor who has filed a chapter 7 bankruptcy will not be able to file another chapter 7 bankruptcy for 8 more years under the new bankruptcy law. Creditors know that the debtor who has filed bankruptcy is stuck with whatever new credit is issued and will not be able to discharge the debt as easily in a second bankruptcy.

Filing bankruptcy can actually improve the credit outlook for many debtors. Most bankruptcy lawyers offer free consultations to discuss bankruptcy and credit issues.

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