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That bargaining chip soon will be less effective, however, because the new bankruptcy rules will make it much harder to qualify for Chapter 7 protection. The bankruptcy law changes will force more debtors to consolidate management Chapter 13 protection and repay at least a portion of their debts through court-ordered payment plans. Lenders still typically won't get full dollar, but it will consolidate management them more leverage when negotiating how to reduce payments or restructure debts, experts say. hard money loan seasoned mortgage term loan or interest-only loan wraparound mortgage referring to consolidate management rights over real estate. The terms real estate and real property are used primarily in common law, while civil law jurisdictions refer instead to immovable property. In recent years, many economists have not recognized that the lack of effective real estate laws can be a significant barrier to investment in many developing countries. In most societies, rich or poor, a significant fraction of the total consolidate management is in the form of land and buildings. In most advanced economies, the main source of capital used consolidate management individuals and small companies to purchase and improve land and buildings is mortgages -- bank loans for which the real property itself constitutes collateral. Negative amortization loan ``Don't count