Bankruptcy will stop your foreclosure sale. It's a fact. However, filing bankruptcy for sole purpose of stopping foreclosure is not what bankruptcy is for. And anyone that does this to avoid foreclosure is in violation of bankruptcy laws. Here is some basic information on bankruptcy.

What Is Bankruptcy?

There are two types of bankruptcy, Chapter 7 and Chapter 13. Filing for a Chapter 7 bankruptcy means you are asking courts to completely discharge your debts. Filing for a Chapter 13 bankruptcy is when you set up a court- approved plan to repay your debts.

Now, two types of bankruptcy:

A NAME YOU'VE ALWAYS LOVED

1. Perhaps you went to school with a Miranda who had a great personality, good looks and was an A student. Since then you've never met a Miranda you didn't like. You like sound of Miranda. You like fact that it derives from Latin mirandus which means "wonderful." There are no gender issues with name. It's exclusively feminine. And you like way it goes with your last name. No naming book is necessary for you. For your baby girl's name, it has to be Miranda. So first way -- a simple, no-fuss way -- to name a baby is simply to choose a name that appeals to you.

A NAME THAT'S BEEN IN THE FAMILY

2. There's been a Rodney or a Stan in family for generations. You'd like to preserve that continuity. Suggestion #2 as a way to name a baby is to choose a family name. Happily, you're not hampered by a strict protocol for naming your baby, way it used to be in many cultures. The Scottish naming pattern in past, for example, meant that first son was named after his father. The second son after his mother's father. The first daughter was named for her mother's mother, and second daughter named for her father's mother. Since families were much larger just a few generations ago, naming patterns could be quite elaborate. A NAME THAT REFLECTS YOUR ROOTS

3. Most of us will automatically consider ethnic names without even realizing it since they are a part of culture we live in. It's not likely that a Russian is going to choose a Japanese name and vice versa. Since most of us have ethnic pride and want to connect and preserve our ethnic roots, names common to our culture are obvious choice. Just be careful when considering an ethnic name that it compliments last name. Patrick sounds better with O'Brien than, say, Juan does. How to name a baby suggestion #3 is to explore your ethnic roots. Branch out from your family tree and learn a little history of who your people are and names they've used and loved.

A NAME BY THE NUMBERS

4. If you have a lucky number or believe that universe is guided by numerical patterns, numerology might be a method to consider in choosing a name. According to this metaphysical science, all numbers have a vibration that indicates our potential attitudes, talents and traits. Numerologists work with a "core" digit by reducing double digits to a single number. So, there are only 9 personality numbers. In one system of numerology, (There are several including Pythagorean, Chinese and Chaldean system.) for instance, say you like attributes that are associated with number 5 which are adventure, excitement and change. You would then calculate core number of your last name and choose a name that, when combined with surname, would equal 5. Of course, numerology can be much more elaborate than this, bringing in energy balances, formulas for blending harmonious and disharmonious aspects and Master Numbers that aren't reduced.

A NAME IN HARMONY WITH THE STARS