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The primary reason most businesses file for a bankruptcy is because they either require more time to pay their debts or they desire to close up shop for a variety of reasons (unprofitable products, impossible-to-repay debt). Business bankruptcy lawyers are appointed by businesses to supervise the bankruptcy process, which can be under Chapter 7 or Chapter 11. Chapter 7 denotes liquidation, while Chapter 11 denotes reorganization. When the entire business bankruptcy process is through, the business becomes free of debts. The following are some of the business bankruptcy facts that you should know about:

1. There are debts that fall under priority debts. You cannot just avoid paying these debts or pay them in parts. Business owners are held personally responsible for such debts, which include taxes, child support, alimony, student loans, criminal penalties, court fines, and debts resulting from DUI which caused injuries to other people.

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It’s that time of year again – time to fill your brackets, load up the fridge, and sit back to take in March Madness on the big screen TV. Better yet, why not get on a plane and experience the action in the flesh? Sound like madness? Maybe not.

Consider this: with a new Citi Dividend Platinum Select or Chase Freedom card you can cover the cost of a game ticket ($189 at Stub Hub). By spending $500 on your trip – for travel, hotel and dining – these cards will give you $200 cash back. When would that opportunity ever come up again? Or, if you’re not that into the Madness, you could do the same for any trip you want to plan for Spring Break. It’s like getting paid for having fun.

Both cards are currently offering a $200 cash back bonus for spending $500 on your card within its first three months of enrollment. That’s on top of the 1% cash back rewards you’ll earn on every purchase. And, when you u

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Citibank has developed a range of credit cards that combine competitive and popular card features with premium complimentary extras.

While cards like the Emirates Citi Platinum MasterCard, the Citibank Select and Citibank Rewards range have a lot of point-earning potential, people can get a lot of value out of these cards even if they rarely use them.

Complimentary extras have become a staple offering for more premium cards, including gold, platinum and rewards options, allowing people to get even more convenience out of having a credit card.

With cardholders looking for as much value as possible from every credit card choice, these Citibank credit card extras are setting a high standard for other issuers to match.

Citibank Dining Program

The Citibank Dining Program rewards people for using their credit cards at restaurants around Australia.

A complimentary award-winning bottle of wine is provided with meals whenever cardholders dine at participating restaurants and pay with their eligible Citibank credit card.

The program is linked to the majority of Citibank’s credit cards, starting with the low rate Citibank Clear Platinum and extending to all of Citibank’s reward cards.

Complimentary Airport Chauffeur

One of Citibank’s major frequent flyer cards, the Emirates Citi Platinum, comes with a complimentary chauffeur ride to or from the airport when cardholders fly with Emirates.

This is one of the only credit cards in Australia the offer a chauffeur service, meaning people can get to or from the airport without worrying about driving, parking or anything else.

Complimentary Hotel Stay

People with the exclusive Citibank Select credit card get a wide range of extras, including a complimentary hotel stay every year.

Cardholders can choose from a selection of over 50 premium hotels worldwide, and book their stay easily through the Citibank Travel Program.

Priority Pass Membership

Both the Citibank Rewards Signature and Citibank Select cards come with complimentary Priority Pass membership, giving people access to 600 airport lounges around the world.

Annual Priority Pass memberships range from $99 to $399, so this benefit is a huge saving for frequent travellers.

Citibank also come with other valuable extras like extended warranties and purchase protection and travel insurance, which are the standard complimentary offerings for most other issuers.

But the four benefits above offer something that they may not be able to get elsewhere, giving Citibank a competitive edge with and rewarding cardholders who choose Citibank options.

Are you a card holder who loves to keep several credit cards in your wallet? Do you have the habit of swapping them every time you go out for shopping? If yes, then it is quiet common that you have fallen into credit card debt problems. Credit cards have become an overwhelming concern for most of the Americans in this tough economy. Credit card debt is increasing more and more with every passing day. The reason behind this is that the people are unaware about its importance and when they should use it. In situations, when you get entangled with serious credit card debt problems, you may take the help of debt consolidation so that you pay off your outstanding dues with ease and live a debt free life.

How does credit card debt work?

When you make it a tendency to use your credit cards as soon as you step out of your home, you fall into unnecessary credit card debt problems.

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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can’t find what you’re looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

My credit report says my score is reduced because I have no revolving credit accounts. Would it help my score to apply for and use a credit card?

Each time a credit score is calculated a series of risk factor statements is generated. Those statements describe what from your personal credit report is most affecting the score you received.

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American Express recently tinkered with its initial sign up bonus for the Hilton HHonors Surpass Card in a way that should make it more attractive to a broader audience. While the card still offers up to 60,000 bonus points, as it has since its inception, you’ll now receive 40,000 points after your first purchase and an additional 20,000 bonus HHonors points after your first $3,000 in purchases. Previously, you would earn 40,000 points after your first purchase an an additional 2,500 bonus points for each of your first eight stays at a Hilton property within the first 18 months of your Cardmembership.

The card’s benefits include:

• Earn 9 points per dollar at Hilton properties
• Earn 6 points per dollar on everyday purchases at gas stations, drugstores, phone, cable and satellite TV and Internet
• Earn 3 points per dollar everywhere else
• 500 bonus points when you use your card to book your trip online at a Hilton-branded website
• Complimentary HHonors Gold Elite status for the first year. Aft

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