Debt consolidation agencies give borrowers with debt management problems a simple solution without filing chapter 13 bankruptcy. These agencies have debt counselors who will contact the creditors and try to get fees and penalties lowered to make repayment easier and quicker. The counselor will then set up a debt consolidation loan to pay off the creditors. The debt counselor will ask the borrower for collateral on the loan. This will be worth the amount of the loan. Cars Wholesale Nellie Fox Jersey , trucks, vacation homes and similar items will do for the collateral. This will protect the agency from a future default on a loan. Since it is a secured loan it benefits the borrower with a lower interest rate. The borrower makes 1 monthly payment to the debt consolidation agency. No more need to keep track of several bills. With every payment the debtor is one month closer to being debt free.
A chapter 13 bankruptcy filing is a much more complicated process. In chapter 13 filings, the borrower is trying to repay part of the debt. The filer is required to list all of hishers real and personal property including clothing and household furniture. The bankruptcy court will decide which assets to liquidate and distribute the funds to the debtors. Bankruptcy is very damaging to the debtor’s credit score. Bankruptcy stays on your credit reports for 10 years. Most items on credit reports drop off after 7 years.
In summary, debtors who are overextended on their loans are much better off with a debt consolidation agency than a chapter 13 bankruptcy filing. The consolidation process is quicker and simpler than chapter 13. It does not require liquidation of property as chapter 13 does. It does not hurt your credit score and reports like chapter 13 does.
NOTE: By researching and comparing the top debt consolidation companies in the market, you will determine the one that meets your very specific financial situation.
You are very welcome to visit the Cambridge Debt Consolidation website – where you can see the best rated debt consolidators on the market.
New anticancer drug - paclitaxel Health Articles | November 18, 2013 Paclitaxel is a kind of tetracyclic two nitric acid amines compounds, which isolated from Taxus--taxus chinensis bark and needles. It can be effectively treating advanced ovarian cancer, breast cancer and other cancers, and is said to be the best anti-cancer drugs discovered in past decades.聽
In 1992, FDA approved paclitaxel as a new cancer drug for treating advanced ovarian cancer (its brand name is Pach-taxel). Because paclitaxel content in the plant body is quite low, it only can be extracted about 1g paclitaxel from 3~6 60-100 years old trees bark, for treating a cancer patient. Currently, global annual consumption of paclitaxel is 200kg, meaning it should cut 1 million yew trees. Along with the application of paclitaxel extended, the demand will increase year by year, but yew grows quite slowly, 20cm diameter trees need to grow for 100 years. Therefore, felling trees to produce paclitaxel is not only seriously destroying the long-term survival and distribution of tree, but also cannot meet the people's demand for paclitaxel. The current findings suggest that the major source of paclitaxel is still yew bark, this evergreen tree grows very slowly, and large-scale deforestation must be seriously damaged the plant resources. While about the paclitaxel total synthesis, although organic chemists have been success in laboratory, but from the point of mass production view, it is infeasible.
聽
Paclitaxel has a unique mechanism of action, can induce and promote tubulin polymerization, microtubules assembly and microtubule stable, thereby preventing the tumor cells grow. Pharmacological experiments shown that paclitaxel has broad-spectrum anti-cancer effect, its anti-cancer effect derives that it roles in the tubulin which form of spindle during cell division process. The effect is opposite of the other usual spindle poisons such as vinblastine, new vinblastine, colchicine, podophyllotoxin, which stop the microtubules gathered, paclitaxel in low concentrations (0.25录gm) will catalyze tubulin rapidly synthesize microtubule and combined with microtubule to play the role of stability and preventing microtubule depolymerization. Normal microtubules in the presence of Ca2+ or under 4 low temperature will occur depolymerization, but microtubules treated by paclitaxel would not occur depolymerization. So the activity of paclitaxel manifests in two ways: First, for the rapidly divisive tumor cells, paclitaxel will freeze the mitotic spindle, thereby stopping the tumor cells in the G2 phase and M phase, until death. Second, inhibit tumor cell migration.
聽
Pharmacyeutical raw materials suppliers claimed that paclitaxel is a kind of new novel mechanism of action anticancer drug. Clinical studies have shown that it has effects on the ovary cancer, breast cancer, esophageal cancer, cell carcinoma of head and neck and many other tumors, be known as broad spectrum antitumor drugs. But in clinical application, paclitaxel still has a lot of aspects to be further studied.