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Bankruptcy has many advantages over debt settlement. The first advantage is cost. As I mentioned above, if you are going to settle your debts you will need a lump sum payment to pay them off. In New York, independent Mayor Michael Bloomberg narrowly won a third term over Democrat challenger Bill Thompson.Correspondents say the gubernatorial defeats are a setback for Mr Obama, who had campaigned in both states for his party’s candidates, as he tries to reform healthcare, pass a climate change bill and rally support for his handling of the war in Afghanistan.In reality the Virginia and New Jersey polls were not simply a referendum on Mr Obama.Exit polls in both states showed a small majority still approved of how he is running the country.It is the economy that seems to have been the main concern that and a host of parochial and even personality issues.All in all it looked like a good night for Republicans except there was a sting in the tail.It came in upstate New York’s 23rd congressional district, which has been in Republican hands for more than a century.Last night it voted Democrat thanks largely to a bitter row within Republican ranks.It was hardly a good night for President Obama. But it could have been much worse.While local issues have been paramount in these races, Republicans said the momentum was now behind them ahead of next year’s crucial mid term elections.Meanwhile in Maine, voters in a referendum rejected a same sex marriage law passed by state lawmakers earlier this year.The law was put on hold when conservatives launched a petition to repeal it.In New Jersey, the incumbent Democratic Governor Jon Corzine had fought a bitter campaign against his Republican rival Chris Christie, not only attacking him over his ties to former President George W Bush and his views on abortion and healthcare, but also poking fun at his weight.Mr Christie was ahead with about 50% of the vote when Mr Corzine conceded. »These races turned on local and state issues. And despite what some will certainly claim, the results are not predictive of the future or reflective of the national mood, » said Democratic Party chairman Tim Kaine.However, the Republicans said it was a « warning shot » to the White House. »[Voters] are tired of the spending, tired of the waste and tired of the over reach they see coming out of Washington, » said House deputy Republican leader Eric Cantor.In Virginia, Democratic party candidate Creigh Deeds lost in a landslide to his Republican rival, former attorney general Bob McDonnell.Only last year President Obama became the first Democratic candidate to carry the state since 1964, although its last two governors have been Democrats.But independent voters who supported the president in the 2008 election seem to have switched their support to the Republican party candidate in this race.In other results:Democrat Bill Owens won the House of Representatives seat for New York state’s 23rd congressional district, defeating Conservative Party candidate Doug Hoffman California Lt Gov John Garamendi won a special election to a Northern California congressional seat cheap nfl jerseys, keeping the district in Democratic hands In New York city, independent Mayor Michael Bloomberg won a closer than expected race for a third term.

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