He wants to keep his car, so he agrees to repay his loan to Bank A. He no longer wants his credit card, and since it is an unsecured debt, it is discharged in his bankruptcy and he does not need to pay it back. Example of a cross-collateralization situation. Tom has a car loan and a credit card through Credit Union. His car loan contained a cross-collateralization clause, so his car secures not only the car loan but also the credit card debt. Tom files for Chapter 7 bankruptcy. If he wants to keep his car, he must agree to repay both the car loan and the credit card in full.
Study drugs can improve focus and motivation to study, but the short-term benefits of these substances do not come without their fair share of risks. Prescription stimulants like Adderall and Ritalin are designed to give users increased concentration focus.
Prescription Drug Abuse. CNS depressants, sometimes referred to as sedatives and tranquilizers, are substances that can slow brain activity. This property makes them useful for treating anxiety and sleep disorders. Among the medications commonly prescribed for these purposes are the following: Benzodiazepines, such as diazepam (Valium) and alprazolam (Xanax), are sometimes prescribed to treat anxiety, acute stress reactions, and panic attacks.