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by Cecile Peterkin, Cec

Have you thought about your career goals for 2007? What worked to years ago in planning and managing your career will not work for your career development in the 21st Century. Managing your career in the 21st Century requires preparation, career goal planning and career guidance and ensuring that your time is directed meaningfully.

Here is how to find enjoyment and continue to progress in your career.

1. Determine if your present job is in line with who you are, what you value, and what you are good at. Are you really doing what you want to do? Being self-aware means you become clear about what you stand for and what you have to offer. When you know what you have to offer, you become more powerful and intentional in your work. Doing a good job is no longer good enough to guarantee your career will go well. You are your most important asset. Self-branding provides direction and clarity of purpose for how you work, not just what you do for a living.

2. Identify your job satisfiers and dissatisfiers. Find a way to do more of the tasks/projects that you enjoy.

3. Identify your accomplishments.

4. Take the time to build and maintain relationship with individuals who might impact your work. You will benefit personally and professionally from the time you invest in such relationships.

5. Determine and write down your vision for your professional life. What actions do you need to take that will get you there? Celebrate the steps you take daily to achieve your vision. You can create the life you want! Here are some ways you can do that:

* Keep work in perspective - remember how you left work on time in the summer?

* Manage your stress - identify what causes you stress and how it affects you.

* Take time out - close your door (if you have one), call forward your phone, turn off your e-mail, take a walk. Use this time "during your work day" to prepare for a big meeting, a presentation or work on a project.

* Delegate - are you spending too much time on the administrative process of your job and not utilizing your skills to benefit your long-term goals and your company's goals?

* Work/Play Balance - what did you enjoy doing during the summer that you want to continue (going to the movies, playing tennis, volunteering, spending time with your kids, seeing friends, etc.)? Put it on your schedule.

6. Be Bold! Don't be afraid to take on some responsibilities in positions above you. Aim to always exceed expectations.

7. Manage your own time. Set boundaries. Learn to say "no" to non-essential use of your time.

8. Look for way to do things better, and more efficiently. Change a routine task - develop a new process. Instead of handling your e-mails as you get them, set aside specific times during the day to respond.

9. Be great at what you do. The knowledge and skill that create success in your current job will position you for your next move.

10.Be aware of roadblocks that can limit your potential to move upward.

11.Take on projects that will most likely benefit you.

12.Have passion for what you are doing and working toward. You will automatically put more effort into it. If you are not feeling passionate about your work ask yourself: is what you "should" be doing interfering with what you want to be doing?

Remember! Your career must contribute to your life, not the other way around!

Copyright 2006, Cecile Peterkin.

When filing under Chapter 7 bankruptcy, all your assets, excluding those that are exempt under the law of your state, are dissolved and liquidated. Generally, the person tasked to do this is the court-appointed official, called a trustee.

All in all, the vital task of the trustee is selling your properties and using the proceeds to pay your creditors. After doing such, the court will then cancel many of your remaining debts, thus affording you a ?fresh start? to life.

Here is a step-by-step guide to filing a bankruptcy under Chapter 7 bankruptcy:

Step 1: Decide whether you should file bankruptcy or not.

Filing bankruptcy is a personal decision, influenced by many factors, such as the amount of serious debts and your ability to meet the original payments or pay the full amount. For starters, when you are broke, it is never a nice experience getting harassed by creditors for debts incurred. For another, your decision to file should not be made for the sole purpose of putting a stop to your demanding creditors.

This is a significant point as secured creditors may apply for ?relief from stay,? thus allowing them to continue their efforts to repossess or foreclose even though you already filed for bankruptcy.

Step 2: Get an attorney

While the law on Chapter 7 bankruptcy does not need individual consumers to hire an attorney who would represent them in court, it is still advisable to ask for legal help, particularly concerning critical decisions involved in bankruptcy.

Step 3: Comply with the legal requirements.

File your petition with the bankruptcy court serving in your area. If you are a business debtor, then file with the bankruptcy court in the place where the business was organized or has its principal place of business or principal assets. Your attorney should be able to advise you on how to deal with these required legal forms.

Step 4: Pay the necessary fees.

As with any other court cases, there are certain fees required, such as:
?Case filing fee
?Miscellaneous administrative fee
?Trustee surcharge

Upon filing, you are usually asked to pay these fees to the clerk of court.

Note that the number of installments is limited only to four. Additionally to that, you are also required to make the final installment no later than 120 days after filing the petition.

Step 5: Notice to the creditors and meeting.

After filing your petition for bankruptcy under Chapter 7, paying the necessary fees, and complying with the legal requirements, an ?automatic stay? is granted to you by operation of law. This stay will efficiently stop most collection actions against you and your properties. This means that as long as the stay is in effect, creditors cannot initiate or continue lawsuits, wage garnishments, or even telephone calls demanding payments.

After the bankruptcy case has been filed, the bankruptcy clerk will give notice to all creditors whose names and addresses you provided. Then, the case trustee will hold a meeting of creditors between 20 and 40 days after you filed your petition.

Step 6: Cooperate with the trustee.

The case trustee has a vital role in a bankruptcy case. His primary responsibility is to liquidate your nonexempt assets in a manner that maximizes the return to your unsecured creditors. He does this by selling your property, if it is free and clear of liens and as long as it is not exempt, or if it worth more than any security interest or lien attached to the property and any exemption that the debtor holds in the property.

In view of the broadness of a trustee's power, it is significant therefore that you cooperate with the trustee. Provide any financial records or documents that the trustee requests and answer questions, which the trustee is necessary to ask at the meeting of creditors under the Bankruptcy Code.

Step 7: After the discharge?

If all goes well with your Chapter 7 bankruptcy case ? that is, no one files a complaint objecting to the discharge or a motion to extend the time to object ? the bankruptcy court will issue a discharge order relatively early in the case, about 60 to 90 days after the date first set for the meeting of creditors

A discharge order is an order issued by the bankruptcy court, releasing you from personal liability for most debts and preventing your creditors from taking any collection actions against you. As a rule, excluding cases that are dismissed or converted, individual debtors receive a discharge in more than 99 percent of Chapter 7 bankruptcy cases.

For someone filing under Chapter 7 bankruptcy, a discharge of almost all of your debts is the ultimate goal. With the release of all your debts and creditors stopped from pursuing any further collection actions against you, the opportunity for a fresh start is apparent.

Article Source : The Truth About Bankruptcy

About Author

Both Cecile Peterkin & Pnreddy are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Cecile Peterkin has sinced written about articles on various topics from About Branding, Personal Finance and Leadership. Cecile Peterkin is a Certified Career and Life Coach, speaker and author. Feeling stuck in middle management or in mid career? Kick your career into high gear! Sign up for the Career Guidance Bootcamp or the FR-EE Introduction teleclass now at. Cecile Peterkin's top article generates over 5400 views. to your Favourites.

Pnreddy has sinced written about articles on various topics from Free Credit Report Score, Bankruptcy Law and Debts Loans. Learn how to manage your money, rebuild your credit, make smart investments, do your taxes, start and save for retirement. Get more information by visiting . Pnreddy's top article generates over 4400 views. to your Favourites.