What to Expect at a 341 Meeting

You may be frightened or you may be scared, but all should be fine if you are well prepared. Filing for a Chapter 7 bankruptcy, or being involved in any legal proceedings, can turn your stomach into knots and keep you up at night. However, once you have made the most difficult decision to file the bankruptcy, the remainder of the proceedings should be easier.

The pre-bankruptcy planning and preparation is key to the ease of the process for the debtor. Consultation with an attorney experienced with bankruptcy law, the process, local judges and trustees will help guide a weary client through an overwhelmingly difficult and stressful financial time.

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Avoiding Foreclosures

In these economic times the percentage of foreclosures in America is on the rise. The homeowner who is facing foreclosure of their primary residence has several options in an attempt to avoid foreclosure. They can negotiate with the lender in an attempt to refinance the loan, get a short sale approved or deed the residence back to the lender in lieu of foreclosure. If the lender is unwilling to negotiate with the homeowner or their representative then there are options of filing a Chapter 13 bankruptcy or a reverse mortgage if the property in jeopardy is an investment property. Even with all of these options at the disposal of the homeowner there still must be a determination by the homeowner of if they indeed wish to save the home from foreclosure or to just allow it to be foreclosed on.

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Referring a Legal Case

1. An experienced traveler, you purchase a train ticket from Fairbanks, Alaska to Anchorage. In terms of taking trains and purchasing tickets, you have both "been there" and "done that." As you board the train for the multi hour ride which includes a meal you discover that you and your travel companion are sitting on a bench made for one hunched over a narrow table and across from another traveler and her companion. Cramped quarters were not what you were expecting. About quarter way into the journey, you learn that the track diverts since repairs are underway due to a train that crashed last week. You were not told of this when you purchased the ticket. Now the journey will proceed to another stop where you will switch from train to bus for the remainder of the trip. The trip will now take an additional 8 hours. Most of us, lawyers that we are, would likely seek some remuneration for the inconvenience of not being told a significant detail about the benefit we were getting by purchasing the train ticket. (Some would ask even if they liked traveling by bus in scenic Alaska anyway!) You surely did not get what you bargained for.

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Fighting to Keep Your Home From Foreclosure With the Help of a Lawyer

The economic environment all over the United States is very tough these days, and that's a fact. People are in danger of losing their houses due to loss of a job, or a drastic decrease in income due to cutbacks in hours worked, or labor contract concessions. If this is the case for you in San Antonio then, do you need a San Antonio foreclosure defense lawyer?

If you are facing the prospect of home foreclosure, you might be feeling as if there's nothing you can do to stop your lender from taking your house. Some people are afraid to fight against a lending company, but in reality, most of these companies aren't looking for a fight-they're looking to save the company from a loss. Some homeowners make peace very quickly with the situation and simply are ready to see the house go.

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Can You Go Bankrupt On Child Support?

Some parents that are ordered to pay child support try to get out of paying it by filing bankruptcy. This leaves the question of: Can you go bankrupt on child support? Under the law filing Chapter 7 or 13 does not stop you from owing the debt and laws have been enacted to protect children and give them the support they deserve.

You cannot get this debt discharged. Although some debts that occur from a divorce may be. This is helpful to the custodial parent to make sure that they are getting financial help from the parent that is ordered and doesn't give them a loophole to avoid it.

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What Are the Responsibilities of a Corporate Lawyer?

A corporate attorney focuses in all matters allied to the legal affairs of a business. Experienced corporate attorneys are often also a practice litigation cases so that he or she can help the business mitigate liability from lawsuit and issues related to the shareholders and corporate board. There are so many companies appoint an in-house business attorney to work for the company as a staff, but generally small business hire a lawyer on an hourly basis to resolve legal disputes and manage any legal business affairs.

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Before You Purchase a Business - Ask For 3-Years Tax Returns

Before you go out and buy an existing small business, you need to make sure that the books and accounting are in order. You need to see a balance sheet, and P & L statement, and you need to verify that information. What did Henry Kissinger and Ronald Reagan say in foreign diplomacy and negotiation? "Trust, but verify!" And, it is my contention that you take this great advice when purchasing a used business.

Not long ago, I was doing a little very small business consulting. And I explained that prior to getting serious about buying the business the buyer need to get a balance sheet, P & L (profit and loss) statement and 3-years tax returns. Well, it turns out the business was a corporation signified by a "Inc." after the name of the company at the top of the P & L, so, the company depending on the type of corporation would have to file corporate tax returns.

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How Not To Lose Your Shirt At The Foreclosure Sale

For real estate professionals, 2007 was perhaps the most painful in recent times -- defaults are up, homeownership is down, foreclosures have soared and the poorly performing housing sector is creating negative ripple effects in the broader national economy. Since all projections indicate that 2008 will be equally as challenging, should property investors run for the hills, put all their money in AAA rated minis, and ride out the storm until the next boom? Absolutely not!

There's no question that 2008 will bring reduced housing demand, lower prices in some areas, and fewer loan options, yet 2008 looks strong for treasure hunters. At Hard Money Bankers, we've been seeing investors scoop up bank REO's for 40 to 50 cents on the dollar and selling them off at nice profits. After all, people will always buy property if they can get a great deal, no matter what the market conditions. Your job is to simply find the best deals.

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Can a Dog Bite Victim Still Sue Even If There Is No Insurance?

According to a 2008 study by the Agency for Healthcare Research and Quality in Rockville, Maryland, every day about 1,000 people in the United States require medical treatment for dog bites. The breed of dog that is most likely to be involved in an incident is the Pit bull, followed by the Rottweiler. According to statistics compiled by the website dogsbite.org, an American citizen has a 1 in 50 chance of being bitten by a dog in a given year. Perhaps the most unfortunate statistic related to these injuries is they happen more often to children that adults. Dog bite injuries are such a common occurrence now that a discussion of this phenomenon from a legal/insurance standpoint is warranted.

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Troubles With Poor Credit History

Strict law and order is imposed by the authorities in the country to help the people to move ahead in correct path with full unity. These law and order is also confusing them to certain extent in leading straight path and sometimes they are themselves jumping in to the danger zones through the violation of certain terms and conditions. In fact most of these violations happen without their knowledge or due to confusion that exist in their mind. You might be surprised to know about the number of cases charged against people for bankruptcy on daily basis in different courts of the country.

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What Does a Paralegal Really Do and How Can a Paralegal Help You With Legal Paperwork?

Almost everyone has heard of paralegals, yet many don't really understand what a paralegal does. Some think a paralegal is a lawyer, or a legal aid type of worker. Neither of those are true. A paralegal is NOT a lawyer and CANNOT give legal advice. They have nothing to do with legal aid or any type of government programs. However many paralegals work for attorneys, or render their services to attorneys.

A paralegal is a person who has vast knowledge of all the standard legal forms that must be used with many different legal matters. All legal suits, petitions, cases and so on use standard legal forms that MUST be used in each case, and must be filled out correctly. Some examples are forms for bankruptcies, wills, divorces, adoptions and so on. They all require specific legal forms and documents that must be filled out and filed with the court. Paralegals are the ones who do all this work, not the lawyers.

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Debt Relief Options - What You Need to Know

When you are in debt, creditors are hounding you, you're afraid of losing your home or car, it's may seem like you've run out of options. In reality, there are several debt relief options that can help you through this difficult situation. Some of the best options are realistic budgeting, credit counseling, debt consolidation, debt management plans and as a last resort, bankruptcy. No one knows your current situation better than you so in this article, we'll explore each of these options to see which best suits your situation.

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Criminal Lawyers Defend Clients in Federal and State Courts

Within the legal system of the United States lawyers act as advocates and advisors. As advocates they represent clients in civil and criminal trials, presenting evidence and arguing on their behalf. As advisors they counsel clients about their legal rights and obligations. Most lawyers concentrate on either civil or criminal law. Criminal lawyers represent people who have been charged with crimes. Civil lawyers help their clients with all aspects of business and personal life not covered by criminal law.

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Foreclosure - 7 Ways to Stop Foreclosure

Foreclosure is a process that many homeowners fear, especially in today's economy. There is good news though, there are ways to avoid foreclosure. Here are 7 ways to stop foreclosure.

1. Pay mortgage on time
Make your payments on time. I know it sounds silly but it's not. If you make your mortgage payment you will not be in danger of losing your house.

If you are not able to pay all of your creditors, consider which bills you are going to pay. Your mortgage is attached to your house and if you don't pay your mortgage, the bank can foreclose and take your house. This is not the case with credit cards. Credit cards are unsecured debt, they can file a lien against the house but they cannot force a foreclosure.

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Alternatives to Foreclosure - An Educational Guide

First and foremost its vital that you communicate regularly with your lender and understand all of your options. Whether you're about to have your house sold at auction, foreclosure is in sight, or you've missed your first payment or possibly second payment, you may still have a good chance of saving your home and avoid the foreclosure nightmare. Also, if you are current and in good standing today with your monthly payments but recognize the coming months may get financially too tight, then be prepared and act now! Let's review a handful of options, highlighting the positives and possible negatives of each process. Which avenue is best for you during your hardship?

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Debt Negotiation and Debt Relief Explained

Given the troubling state of the American economy, more and more people are simply having a difficult time paying off their debts and keeping their heads above water when it comes to finances.  While it's easy to give into the fear that's always part of this sort of problem and panic, that's the last thing you should allow yourself to do, as there could be viable alternatives available to you that will get you beyond this problem. 

Below is a brief look at two of those potential alternatives, each of which depends on the particulars of your situation. 

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Plans to Stop Foreclosure That Involve Working with the Judge and Court System

Although receiving the paperwork for a foreclosure lawsuit in the mail can be one of the most unnerving aspects of the entire experience of losing a home, homeowners should keep this event in perspective. The bank has simply filed a complaint against the owners of the property for nonpayment of the mortgage loan, and the court is requesting that the owners come and make an answer or appearance at a hearing. The court is simply the third party that is involved and has been petitioned by the bank to resolve the differences between the lender and their clients. Simply filing a complaint does nothing to prove that the mortgage company is correct or the homeowners are guilty.

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The Top 5 Reasons to Avoid Sole Proprietorship

"Life is trouble; only death is not," comments Zorba the Greek in the novel by Nikos Katzanzakis. I've heard many a business owner brag about the lack of complication that their sole proprietor status affords them. No messy ownership agreements, no separate filings or taxes, complete freedom and flexibility to do what you want when you want. And if it's "just me" working as a contractor/consultant to other companies, why get so involved in structure and meeting minutes?

Well, it's a law of nature and balance that for every yin, there's a yang; every action breeds a reaction; every silver lining has a cloud. And the "clouds" hanging over a sole proprietor can create a deluge of catastrophic proportions.

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Debt Settlement - Pros and Cons of Having One

One day, you suddenly realized that you are heavily in debt. All your credit cards are used to the maximum limit and the creditors keep calling to remind you on your overdue payments. You are considering whether you want to go for a debt settlement or bankruptcy. Sure, debt settlement sounds good because you do not need to go through the lengthy legal process if you declare bankruptcy, but before you decide, you need to spend a bit of time to weigh the pros and cons of having a debt settlement.

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Don't Panic! What to Do When You Need a Lawyer

It's an unfortunately reality of life that, at some point, you're going to need the services of a lawyer. It doesn't matter if you live in California, Indiana, or Tennessee, you're bound to need a lawyer one day. But don't wait until you're in desperate need before you learn about the different types of law practices and how attorneys can help. Here, then, is an overview of what you can expect from different types of law practices.

Criminal Defense

As its name implies, a criminal defense lawyer represents those who have been charged with a crime. The crime may be drunk driving (DUI), drugs offenses, or something even more serious. If you or a loved one are charged with a crime, it's important to retain the services of a criminal defense attorney immediately. He can be present to guide the defendant through the police interrogation process, as well as through the preliminary hearing. He can negotiate a plea on the defendant's behalf or prepare a criminal defense should the case go to trial.

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Florida Cyberfraud, Identity Theft and Consumer Protection Law Resources

Cyberfraud, identity theft and consumer fraud threaten Floridians on a daily basis. Knowledge and vigilance are the most effective ways to combat these threats. This article details resources that can help you take action to prevent or minimize the effect of these criminal acts.

CYBERFRAUD TASK FORCE

Technology developments have impacted our world in many positive ways. Unfortunately, the growth of technology has also dramatically increased the opportunities for con artists and scammers. Frequently Florida consumers are unaware that they've been conned in an internet scam or that their online activities have left them exposed to fraud.

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Upside Down - Turned All Around - After An Auto Accident

The TV commercials are all over the networks showing two friends chatting away oblivious to what is happening around them and WHAM another car smashes into the them while air bags are going off with blank looks coming from their faces. The ad's apparent purpose is to demonstrate how safe this car is with front and side air bags with reinforced doors and multiple safety features where the driver and his passenger are able to walk away from it without an injury. This little 60-second commercial is over, but what happens next in the real world?

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Driver Beware - Uninsured Motorists Are All Around

With millions of vehicles on the road each day around the state of California, and with auto insurance coverage being mandatory state policy, you would think that you were safe, driving next to people. After all, if there is an accident, even a small one, the two of you can simply exchange insurance information; that way, you are all set and everything will be taken care of, right? Not so fast. Unfortunately, the Insurance Information Institute (III) reports that 14 percent of all the vehicles on the roads today do not have any auto insurance.

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2009 - Footrace to an Unseen Finish Line

News about solutions to falling prices in Single Family Real Estate has been prolific and articles in the media and on the internet appear like mushrooms on a pile of manure. My opinion as to the long term solution to this problem has not changed. The only viable solution to stabilizing the housing market is for lenders to mark loans to the market as quickly as possible (with or without government subsidies), take the losses that result, keep people in their homes and move on. If they do not act, the market will, by continuing to fall until prices reach a sustainable level for homeowners and an attractive level for investors. Because of continued job losses, affordability will continue to drop and then prices will drop and so on...

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The Secret of the IRS Levy Revealed!

People who refuse to pay up their tax dues may have to incur the wrath of the IRS in the form of a wage garnishment. The IRS has a very simple modus operandi, if you don't pay up when requested politely, they take the money forcibly and wage garnishment is a blaring example of the IRS flexing its muscle. Not only your income but also your bank accounts and assets can be levied so if you have received a levy notice, you need to act NOW because this move can be very invasive to say the least and it may cripple your finances completely.

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What to Do When Arrested for Fraud

When someone is arrested for fraud in Florida, they should hire an attorney as soon as possible to defend their rights. There are stiff penalties associated with these types of crimes, so having a competent lawyer to protect a person's rights is very important. It is necessary to have a licensed Florida criminal lawyer who is familiar with the statutes to create the best possible defense for the accused.

The Basics
The State of Florida considers fraud theft. It is usually non-violent and does not involve bodily injury to other people. It is often linked to investments or political agendas. As a result, fraud is frequently referred to as a white collar crime. In most cases, the defendant is accused of committing the act on purpose to gain other people's money, assets or power.

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Tax Lawyers As Financial Debt Remedy

A financial debt remedy such as personal bankruptcy ought to certainly solely be harnessed for a final feasible option. The actual issue with this particular remedy associated with financial debt troubles is the fact that it provides significantly more than merely doing away with debts. Any time another person claims an individual protect against personal bankruptcy, most activities of debt gathering in opposition to that individual cease to exist. The actual court awards an automatic stay which in turn, with handful of conditions, suggests that collectors are not able to gather the bad debts owed.

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Solutions to Your Negative Cash Flow

Are you over leveraged with negative equity, and losing sleep worrying about it?

Every time I do an event, I wind up in conversations with several folks in the room who are upside down and owe more than the current market value. This article will address your options, none of which are pleasant, but most certainly one of which will be the final outcome.

First of all, you're not alone! The numbers are all over the place, but somewhere between 3 and 8 million people are in the same situation. That doesn't make you feel any better, because when the ship's going down it matters little who's the first to drown. I should take a second here to remind you if you followed my instructions from the beginning, you couldn't be in this position 'cause you would not have personally guaranteed debt to buy houses. It's against my rules, and has been for 25 years! Ok, you didn't know me then, so I'll forgive you, and if you did know me and chose to do it anyway, I'll still forgive you, especially if you're a testosterone laden man. I should point out my forgiveness won't fix the issue, and won't help you sleep. I guess this is where I should also disclose that I have millions of dollars in personally guaranteed debt on commercial property myself.

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Lawyers Can Help You With More Than Just Lawsuits

Some people think of lawyers as someone they would call if they were in trouble with the law. Perhaps if you have been arrested or accused of doing something you may or may not have done, the first advice you hear from those around you is to contact a legal professional. If you never get into situations where you think there will be legal problems, you never consider contacting a legal expert. The problem with this is a legal professional can help you with a variety of situations that are common to everyone every day. Instead of waiting until you are in trouble, get legal help ahead of time. Those living in Texas can contact an Allen attorney or an Allen lawyer. This way you have the advice you need before there is a problem, and you can prepare for the future, hopefully avoiding serious legal issues. If you think professional legal advice is unnecessary in your life, consider the following scenarios.

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Can You Go Bankrupt Twice?

Filing for bankruptcy may leave you feeling discouraged about your financial future, but it's important to know that you don't have to wear the status as a badge of shame for the rest of your life. Indeed, people turn to bankruptcy options for a number of reasons - a health situation in the family may have drained finances, or an unforeseen accident could have run up your debt and prevented you from paying bills in a timely manner. Once your case is approved and completed, though, it could take 7-10 years for it to disappear from your records, giving you a chance to start fresh. Question is, if you have difficulty again can you file a second time?

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Stop Foreclosures - Even If You Stopped Making Payments

Most people do not realize that they can stop foreclosure even if they stopped paying their mortgage. Many recent cases have been filed improperly and an experienced attorney can assist with the identification and filing of substantive and procedural defenses with the court and vigorously defend your case. Due to the lender's actions, omissions or other facts surrounding your case, you may be able to stop making mortgage payments and stay in your home while your attorney vigorously defends your property. This does not necessarily mean that you will not have to pay the loan back or completely stop foreclosure. Stopping Foreclosure is possible if the bank or lender is in violation of the Florida Unfair Lending Act or other predatory lending practices. If the lender has committed such a violation, the entire principal and interest balance may be waived and the mortgage may be voided. This may not be relevant in your case. But, at the very least, a successful defense can do is buy you precious time to:

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Ten Reasons Why Debt Settlement Could Be Your Best Option

Even the mere thought of accruing interest on your debt, the amount of time it will take to pay off your credit cards, or the financial death sentence of bankruptcy (well, a mere ten years of poor credit) can cause heart palpitations and sweaty hands. You might think that bankruptcy is your only option; however, there are many alternative out there to relieve you of your debt. For example, debt settlement is an innovative solution that can help you to avoid bankruptcy, decrease your debt by up to 65%, and stop the mounting interest on your accounts. In fact, you can have your debts paid off within 6-36 months. Here are ten reasons you should consider debt settlement:

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How to Deal With Debt

If a company's debts keep on rising over time, chances are that it will end up having to file for bankruptcy. Debts should never be ignored or they will only keep piling up. In Texas, if the debts get out of hand the company may have to seek the help of Plano debt relief. In the worst case scenario, the company can file for bankruptcy in which they need to hire a Plano bankruptcy lawyer to carry on the proceedings.

If a company has realized its bad debt situation, they can choose to either try to sort things out themselves or hire some professional help to assist them if things get too complicated. The first thing to do about debts is to categorize them on the basis of priority. Mortgage repayments, utility bills and taxes, for instance, should be given a high priority. Non priority debts could be credit card and bank payments. These cannot be ignored either but they should be dealt with after the priority ones are done with.

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Online Leads For My Law Practice - Should I Buy Them?

A constant flow of prospective leads and potential clients is the lifeblood of your law firm. Ideally the best way to get leads would be from referrals that are sent to you from past clients, but these are sometimes not enough.

With the advent of the internet there are many companies that have come on the scene selling "law firm leads" to attorneys. You may have been considering purchasing these leads from one company or another, the goal of this article is to give you some of the pros and cons of purchasing online leads and to also give you a better alternative to purchasing leads to get your firm case pipeline full with new clients!

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The Time Needed to Stop Foreclosure

One of the toughest decisions homeowners will have to make to save their homes is what plan to focus on at any given time. Because each option to stop foreclosure requires different methods of contacting the bank, communicating with their attorneys, and the time frames for completion can be quite different. And the time necessary to implement a last-ditch backup effort also varies widely. This is why homeowners need to be realistic about how long they have to work out a solution.

The least complicated way to save a home would seemingly be working out a repayment plan with the lender. But, most lenders are extremely busy, and their loss mitigation departments more than a little incompetent. Homeowners or mitigation companies may call the contact at the bank a dozen times, leaving voicemails at every opportunity, and simply never receive a call back. After several weeks of this pointlessness, an additional payment has been missed and the likelihood of qualifying for a payment plan drops further.

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A Birth Injury Can Affect a Child Throughout Her Life

Any parent's greatest fear is undoubtedly the permanent injury and disability of their child. It's a scenario that doubtless keeps many a parent up at night. So it's difficult to imagine the mental anguish and suffering that a parent goes through when a newborn child is irreparably harmed at birth due to substandard or negligent medical care. But tragically, this is an all too common occurrence in our hospitals and maternity wards, and it happens with frightening regularity. The damage is lasting and can result in overwhelming physical, emotional and financial costs for the rest of the child's natural life.

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Debt Settlement - Do-It-Yourself Or Hire Help?

In debt settlement, consumers have the natural advantage. Why? Because collectors are relentless in chasing after what you possess. That is the money owed to them. And, when they have to compete with other creditors for the money, it can dramatically reduce the amount they're prepared to accept.

The difference of hiring a debt settlement company to assist you in resolving the delinquent accounts or going at it alone is the confidence factor and thousands of dollars in up-front fees. Collection agencies are known to be relentless, persistent, demanding and sometimes outright abusive. Collection attorneys and their assistants are no different, in fact a phone call from them can insinuate a lawsuit proceeding. The process becomes extremely intimidating and unnerving.

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Discounted Legal Services Scam Or Shelter For Your Affairs

When you need advice you need it fast, phone book ads state free consultations with an attorney near you. You make the call, set the appointment only to find out you have 10 minutes and 3 questions. You spent hours building your list of questions, preparing to take thorough notes hoping to solve your issue without having to pay an arm and a leg.

Your 10 or 15 minutes of fame is suddenly cut off with the words you fear most, "We can help you with your legal matters it's going to cost $XXX.XX/ hour. You sigh knowing that you can't afford the services and feel like the whole event was a waste of your time as well as theirs. You read in the local phone book or paper about free legal aide and again you prepare for the meeting to find out that your needs cannot be met since this is a county sponsored event.

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New Jersey Family Lawyers

Family law is an area of the law that deals with family-related matters and domestic relations, including but not limited to domestic partnership, civil unions, the nature of marriage, child abuse, legitimacy, adoption, etc. Family law also includes the termination of a relationship and the ancillary matters including divorce, annulment, property settlements, parental responsibility and so on. If you as an individual are facing any such situation and are planning to resolve the issue for good, the best way is to consult a well-experienced family lawyer who can guide you to the best solution to suit your situation.

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Eliminate Your Debt - Realistic and Achievable Solutions

Debt is a burden many people are currently facing, and it’s neither desirable nor pleasant to be in such a predicament. Fortunately, there are realistic and achievable solutions to help individuals eliminate their debt. If you’re finding it more and more difficult to pay your monthly bills and you’re bouncing checks or borrowing from one credit card to pay another, it’s time to take a serious look at these solutions.

Consumer Credit Counseling – Perhaps you’ve heard of, or even considered consumer credit counseling in order to get your finances under control. Consumer credit counseling agencies are usually classified as “non-profit” firms, and assist debtors in planning budgets to repay their debts. A major criticism of consumer credit counseling agencies is that each office is primarily funded by voluntary donations from the creditors that receive payments from debtors repaying their debts through that office. Obviously, this leaves the average consumer left to wonder whether or not the agency they’ve chosen is actually working for them or their creditors. Nonetheless, consumer credit counseling may be a safe route for you if you can realistically commit to a long term re-payment schedule. If you should decide you’d like to enroll in a consumer credit counseling program, it’s best to choose an agency about which you’ve heard good reviews. Don’t be afraid to ask friends and family if they may be able to refer you – you’ll be surprised by how many people have found themselves in this same predicament. Debt Consolidation – Debt consolidation involves obtaining a loan to combine several loans and credit card debts into one loan. Put another way, debt consolidation is the process of taking out a new loan to pay off a number of other debts. Most people who consolidate their debt are usually doing so to attain a lower interest rate, or the simplicity of a single loan. This is a common solution for individuals with credit problems (maxed-out credit cards, car loans, student loans, etc.), who combine all their debts into one loan to create greater ease in repayment. In the case of credit card debt, this can often be advantageous since credit cards generally carry a high interest rate. Normally people seeking to consolidate their debt are required to have a sufficient amount of equity in their homes, which is used as collateral. Be very cautious when considering this option, as 85% of individuals who have gone this route have once again maxed out their credit cards within 24 months of obtaining a debt consolidation loan, and now owe twice as much money as they did prior to consolidating their debt. Still, debt consolidation can be very helpful to individuals who can follow through with their commitment to continuously make their monthly loan payments, and have demonstrated enough self control to not use credit cards for frivolous purchases. Debt Settlement – Debt settlement (debt negotiation) is a practice which involves negotiating with your creditors and ultimately reaching a mutually agreeable settlement, which is typically 50% or less of the total amount of debt you owe. In other words, if you owe a creditor $10,000, you may be able to reach a settlement in the amount of $3,000 - $5,000, with no further balance owed to that particular creditor. Many creditors will agree to accept the agreed upon settlement amount over a period of 3-12 installments if sufficient funds aren’t available for a lump sum payment. In order to qualify for debt settlement, your accounts must be delinquent, and of course you must be able to forward the settlement funds to your creditor prior to the deadline, otherwise the settlement agreement will become null and void. Debt settlement is a good option for people who simply can no longer afford their monthly payments, and prefer to eliminate their debt within 3-24 months. Bankruptcy – As you may know, bankruptcy is really the “last resort” for most people. This is due to the fact that individuals who file bankruptcy are faced with the bankruptcy filing being made a matter of public record, as well as a negative credit rating for a period of 7-10 years. However, some people have no choice and must simply file for bankruptcy. If your bills are unmanageable and it’s impossible for you to commit to a long term payment arrangement, or even obtain sufficient funds for debt settlement, this may be your only option. That’s okay, too – the bankruptcy law was originated for a reason; if you need it, use it. Fortunately, there are many attorneys who will offer you a free initial consultation to help you determine if this is your best path. I highly recommend that you consider all of your options, and approach each of those with an open mind. What matters most is that you successfully eliminate your debt, and start living again. I wish you the best.

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How to Choose a Lawyer

The decision to pick a good attorney is often a complicated process considering regular circumstances, however deciding on a lawyer becomes even more troublesome once you or perhaps a loved one is injured, harmed or hurt. Accident lawyers are the best types of lawyers to turn to in case something like that happens, they can get excited about this kind of distinct work as their cases. Most of the time injury attorneys tend to be regarded by open public for being ambulance chasers, although other accident lawyers are usually regarded as saviors in the occasion involving need or negotiation. Below are a few ideas of how to find the right lawyer for your need or situation.

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Paralegal Work - As Diverse As a Law Practice

Working in the legal field as a paralegal can be just as beneficial as being an actual lawyer. There are options for paralegals to become certified in various specialties that allow them to make good money, especially if they work with larger firms. The paralegal work that you decide upon will depend on what aspects interest you as well as how much effort you are prepared to put into your job on a regular basis. It is important for you to note that although you won't be a practicing lawyer, you will need to be doing a lot of research that may sometimes amount to actually practicing law.

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How to Go Bankrupt - Your Questions Answered

Although there are many ways to repair damaged finances, one of the most common methods is through a personal bankruptcy claim. The propensity for filing has increased with recent changes in the economy, prompting more and more people to consider it as a viable option. While there are certainly alternatives to filing a claim, many people have already exhausted other methods, meaning that bankruptcy is their last hope for recovery. The following article will cover some of the basics concerning how to go bankrupt.

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Keep Up to $500 More of What You Earn, and Get Out of Debt

With the current economy heading in what some politicians describe as a recession, to the everyday person, the economy can be said to be spiraling in for a crash landing. The U.S. economy hasn't hit rock bottom yet, but for John (Jane) Q. Public, each and every purse string has been stretched to the limit and for many, they have all but broken. This is no surprise to everyone and most of us are tired of hearing the same thing everyday on the news. What can be done to improve the U.S. economy as a whole and turn it around is largely out of the public's hands. Your options as an individual are challenging at best, but there are a few things you should consider.

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Forclosure And The Durrett Rule

It's probably happened to you...

Folks learn that you know something about real estate investing and they eagerly ask you about buying foreclosure property.

The general assumption is that they can buy a beautiful home at a deep discount at a foreclosure auction.

Their smiles fade when you explain that they will have to pay cash on the spot and they must be able to research title to be sure they aren't buying trouble.

But wait... there's more... There is also a little something called the "Durrett Rule".

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How to Stop Foreclosure on Your Home Now!

In today's economic climate homeowners are faced with foreclosures. When the real estate markets sour, buyers are nowhere to be found, and the homeowners are besieged with a steady stream of bills, and mortgages suffer. Its one of the toughest things in life to face. But here are some good pointers so please read more..

The reality is when economic times are tough, people just don't have enough money available to them, incomes slides, businesses dry up, inflation eats pocketbooks and credit gets tighter than ever. There is is not enough money to be set aside to deal with it. Nothing seems to work.

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Landlord Tenant Law - Why You Should Not Terminate a Tenant's Lease When He Fails to Pay Rent

The Arizona Landlord Tenant Act and other Arizona laws govern the legal relationships between landlords and tenants. In some cases, the statutory provisions take precedence over the language in a lease contract, so landlords must be careful how they handle interactions with tenants who are violating their lease.

Most lease violations involve the tenant's failure to pay rent on time, and there is no question that when a tenant defaults, the landlord should take prompt action. But if you decide you want to evict a deadbeat tenant, you should be careful of your choice of words in order to ensure your ability to collect all of the damages you are entitled to recover as an Arizona landlord.

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I'm in Credit Card Debt: What are My Options?

So, your bills are piling up and you have no idea how to control your debt. Paying the minimum balance doesn’t work because you are already drowning in bills and unable to afford the payments. How can you keep up when you keep falling behind? You may think there is nowhere to turn and that bankruptcy is your only option; however, there are many existing programs that can help you to eliminate your credit card debt and allow you to embark on the road to financial freedom.

There are several different programs that you can look at to relieve your debt, including debt settlement, debt counseling, and debt consolidation. All of these programs have their positives, as well as their potential drawbacks. It is up to you to decide how you should tackle your debt issues.

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Aim of Legal Directories and Legal Information Providers

There are certain problematic occasions when you need an attorney and comprehensive legal assistance. It is essential to take legal decisions seriously otherwise it could lead to severe consequences and even jail also. Whether you need a bail bond agent or an immigration attorney for your favor in court that can defend you. Therefore, it is always good to seek them for instant help. You can also search them online through online legal directories. Most of the people find attorney as and when needed through the online search directories for utmost convenience. It is the simplest method to search and locate a lawyer in your region through these legal resources.

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Loan Workouts, Part 3 - Call To Action

It's 7:00 AM. Someone needs a wakeup call. It is still early, but getting late.

These are tough times, no doubt about it. But just as investors, lenders and developers deluded themselves over the past several years into believing the good times were here to stay - so, too, are they misreading the future now.

NEWSFLASH! This market will hit bottom. This market will turn. The credit freeze will thaw. The commercial real estate market will rise again.

The question is: How are we going to position ourselves for the balance of this economic cycle?

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