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PYŃ.=&0 expense – Penloom https://penloom.com News articles and more Tue, 26 Nov 2024 11:40:27 +0000 en-US hourly 1 https://wordpress.org/?v=6.7.9 https://penloom.com/wp-content/uploads/2022/01/cropped-favicon-32x32.png expense – Penloom https://penloom.com 32 32 Things to Know Before Filing for Bankruptcy https://penloom.com/things-to-know-before-filing-for-bankruptcy-2/ https://penloom.com/things-to-know-before-filing-for-bankruptcy-2/#respond Wed, 23 Nov 2022 12:55:36 +0000 https://penloom.com/?p=6327 Before diving deep into the sea of bankruptcy, you need to understand that;

Perhaps filing bankruptcy does whip up many stressful or gloomy emotions, but that doesn’t mean the end of the world; it could even be favorable for you.

To a person or a business drenching in debt, bankruptcy can be a lifeline; it allows them to come to terms with creditors and commence a new start. With bankruptcy, creditors can collect the debts they may anyway write off. Choosing to go through the procedure of bankruptcy is a very personal decision. It’s not an easy way to get out of what you owe, but oftentimes, it’s a fast and relatively effortless approach. The term “Bankruptcy” is well-known to almost everyone, yet there is a lot of chaos about what exactly bankruptcy means. In fact, you are here, because you want to know more about it; what say? Insightful! It is wise of you to decide for this; i am gonna cover everything about bankruptcy. So let’s begin…

A few carryouts

  • Bankruptcy is a lawful proceeding that allows people or businesses to be released from the debts meanwhile providing creditors an possibility for repayment 
  • Bankruptcy allows a fresh start; however, it’ll remain on  the credit reports for a few years, sometimes  making it tough to borrow in the future.
  • Though not all types of debts can be resolved through bankruptcy, it still helps people who have gotten over their heads financially figure out a plan to get away.

 

how to file bankruptcy

What is bankruptcy?

An option designed for a fresh start, bankruptcy allows you to form a court-approved plan to pay off or obliterate debts when they get to be overwhelming. It is a legal proceeding instigated when a person or a business owner cannot repay huge debts. In simple words, declaring bankruptcy is an approach or an alternative way to handle your debts when you find them challenging to pay.

Suppose you have large debts you can’t repay, are behind in your mortgage payments, are in danger of exclusion, and are almost being harassed by bill collectors—proclaiming bankruptcy might help you there. Bankruptcy, in some instances, lessens or eliminates the debts, saves your home, and keeps those bill collectors at bay. However, it also has some heavy influences, probably the long-term damage to your credit score. That makes it essential to know all of it! 

Let’s debunk the myths first!

There is so much misinformation related to bankruptcy that many people do not even consider filing in the first place. The fear of bankruptcy holds many people, and the myths make them feel more unnerved. Not really; a few of these myths are hyped mainly by the debt collectors who want to overlook bankruptcy– to protect their very interests! Truth be told, filing bankruptcy for debt relief is an important decision; you owe it to yourself and your family to establish that decision based on the facts. Below are the hyped mythologies you must not really be mindful of;

Everyone will find out if I file for bankruptcy; yikes

Not really! Nobody will find out unless you tell them. In fact, you probably have friends, co-workers, and even family members who might have filed for bankruptcy debt relief without letting anyone know, including you!

If I file for bankruptcy, the bankruptcy court will take all my belongings

No… Ne’er! Laws provide for generous exemptions that allow you to keep your home, car(s), and other important personal belongings; you don’t lose anything when you file bankruptcy for debt relief.

I’ll never have a credit card or eligible for a mortgage ever again if I file an bankruptcy

Complete fabrication! One of the most widespread but untrue myths. You’ll definitely get credit card offers within a few months after filing for bankruptcy debt relief, no matter what! Also, getting loans within one year after filing for bankruptcy debt relief is no big deal!

The debt collectors can choose not to accept your bankruptcy filing

Some creditors often suggest that bankruptcy debt relief cannot really make their debts go away, but that is exactly not the case here! A plain lie! No creditor has the legal authority to stop you from filing for bankruptcy. Lawfully it is your right!

Filing bankruptcy ravages your credit for life

Though you’ll indeed have to rebuild your credit after bankruptcy, it will be considerably easier to make a fresh start with a clean financial slate. So in the long term, bankruptcy debt relief actually improves your credit over a long time as it eliminates your debts.

file bankruptcy chapter 7

Types of Bankruptcies; you must know

Even though the general purpose of bankruptcy is to clear debt, not all bankruptcies are the same. There are three common types of bankruptcy, which are classified  into three kinds (chapters). Let’s have a glance:

Bankruptcy: Chapter 7

Also quoted as “liquidation,” this bankruptcy “Chapter 7” forgives most unsecured debts and is the fastest and most common type of bankruptcy. This helps consumers with primarily unsecured debts like; medical bills, credit card debt, or personal loans.

  • To qualify for Chapter 7 bankruptcy, you must pass the evaluation test that estimates whether your income is below certain limits.
  • A person who didn’t carry Chapter 7 discharge in the past eight years is the right fit for this type of bankruptcy filing.

Bankruptcy: Chapter 13

Also quoted as “wage earners” bankruptcy, which restructures debts into a settlement plan over three to five years. For this type of bankruptcy, the eligible person must have a regular income.

  • There should not be any filed bankruptcy petitions (Chapter 13 in the past two years or Chapter 7 in the past four years, specifically).
  • The person filing for this type of bankruptcy must be current on tax filings too.

Bankruptcy: Chapter 11

Also quoted as “reorganization” bankruptcy,  this chapter is generally used in the corporate world. Business owners who fail to run their business but want to keep operating after loss opt for this type of bankruptcy.

Other than these significant bankruptcy chapters, there are a few different types too;

Chapter 11: For individuals and businesses with exceptionally high debt. The debtor typically proposes a reorganized debt repayment plan that allows the business to keep operating  and repaypay creditors over an extended time-period. 

Chapter 12: Designed for the family who chooses agriculture as a living liek, farmers and fishers go for this type to restructure their finances to propose an installment plan for repayment.

Chapter 15: This one is the latest chapter added to the bankruptcy list, which primarily encourages cooperation between a foreign court or debtor and the United States courts.

Final words

The bankruptcy process can be daunting, but it exists for a reason! People fear filing for bankruptcy because they don’t want others to know they are struggling; this keeps them stuck in their financial mess, which is not fine! Hire a qualified bankruptcy attorney who can guide you more accurately and help with a successful filing. And please write to us if you want to have more information related to bankruptcy—would love to hear from your side!

]]> https://penloom.com/things-to-know-before-filing-for-bankruptcy-2/feed/ 0 Benefits of Automating Small Business Expenses https://penloom.com/benefits-of-automating-small-business-expenses/ https://penloom.com/benefits-of-automating-small-business-expenses/#respond Wed, 23 Nov 2022 11:51:51 +0000 https://penloom.com/?p=6290 Truth be told, beyond employee payroll and perks, corporate travel & entertainment are the second-largest controllable expense for businesses. Wait, how do you manage your business expenses? Manually… paper records and Excel sheets; I mean, really, in this era of automatization? See, here’s a thing, If your employees travel more often for work, they’ll be required to submit expense reports to receive a reimbursement. It’s a long tiring process for the company and the employees to deal with and comply with travel policies. However, keeping employees’ expense reports is vital to handling your cash flow, as this allows you to reimburse correctly your employee’s expenses they make.

But have you ever thought a slight misstep in the process could lead to many expense reporting crises? It goes without saying human errors are pretty common in calculations, especially when it’s accounting; incorrect claims, unclear policies, and even fraud are common issues that you might face in business. And sadly, if you own a small business, it can be more destructive.

What is business expense management?

Before anything else, you need to understand the key components of expense management in business. However, every organization has its specific structure and policies, and expense management varies. Irrespective of that, the standard expense management components are mentioned below:

expense management in business

Filling in expense reports

The documents like tickets, hotel bills, and invoices are collected once a business expense is carried. The refund claim is submitted along with all receipts and invoices to the department manager.

Reviews & approvals

The reimbursement submission basically goes through two or more review and approval phases. The first review and approval are done by the line manager; based on approval limits set for different approvers. The request may sometimes be routed to the Director too. Later the claim is submitted to the finance division for review and approval, and finally, the accounting team sends the payment and completes the process.

Book-Keeping/Records

The complete lifecycle of the expense request, from submission to payoff, is being recorded.

Data audits

Commitment to companies’ policies and constraints is essential for all business processes. That’s why the data collected by the expense management is validated and is used for auditing intents.

Budgeting

Concocting the annual funding and planning for future expenses is done based on the data assembled by the expense management system.

Budgeting

  • Let’s be frank; it is tedious: The entire process of managing expenses manually is time-consuming and eats up employees’ productive time.
  • It could be fraudulent sometimes: There are high chances of inflated or duplicated claims through manual expense management systems. Policy and ordinance compliance insufficiency mostly arise when expense management is done manually.
  • Inaccuracy: Of course, there are scopes of human errors; as humans run these manual processes. Sometimes the expense managing team might be overlooked, which can be troublesome.
  • Influence negatively on primary work productivity: When it is manually done, much time is spent on reporting, claiming, and validating expenses. Therefore the time spent on project-related activities is pared and consequently affects productivity and efficiency.

Expense management is something through which businesses compensate employees for money spent on business-related matters. But, as observed, it makes up a lump of a company’s financial outflow; expenses shouldn’t be managed using paper records, crinkly invoice or receipts, and Excel sheets. Then how? Start “Automating” the expense management process!

Yes, you heard it right… automation indeed helps companies to manage expenses efficiently with accuracy and precision!

expense automation in business

What is Expense Automation in business?

Finance teams across the globe have been known to help businesses to outperform with their strategies and foresight. Although their role has always been crucial, current financial changes in the marketplace have highlighted the demand for robust financial planning to bring sustainability to businesses. And this, as a result, gave rise to Expense automation, more like software for automated submission, approval, and recording of expense reports.

The expense management software aims to computerize all business-related expenses that take place in a company. Any scenario that entangles capturing, reporting, and reimbursing costs has the potential to be automated. Employees who pay out bills from their personal cards for the business get reimbursement for those expenses. Here are some common examples of those expenses:

  • Education/training fee
  • Transportation, lodging, and meals expense 
  • Equipment and supplies
  • Phone & internet bills
  • Postage & delivery bills

Employees may also incur “off-the-cuff” expenses— unexpected expenses arise while doing business. For example, a salesman offers overnight shipment to a client to crack the deal!

Benefits of automating small business expenses

An automated expense management approach undervalues perils in business, unlike the traditional expense management approach. Here are a few benefits of using expense management:

Benefits in favor of Employees:

It makes receipt tracking and reporting more efficient and easy! Most expense management software today in the business market offers effortless receipt tracking options to lessen the time and effort employees invest while reporting. 

It also helps employees get payment reimbursements promptly! An automated expense management software makes it easy for employees to submit compliant expense reports in no time! Moreover, it eliminates the need for ongoing hither and thither between stakeholders to ensure convenient expense report submissions, clearances, and final reimbursements.

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