Are Debt Settlement Companies Safe For You?

Tired of answering collection calls? Do you want to be done away with all of your debts? The mantra to be enchanted is of debt settlement! It is a popular alternative to bankruptcy. The reason being obvious, bankruptcy takes a toll on the societal well being of an individual along with some more side effects.

Unquestionably when the internet search pulls up so many sites for debt settlement program, it only adds to your confusion. What can be suggested as a solution is to refine your search with a set of filters. Now how can you go about it is the next question on your mind. It is quite understandable that choosing the best among them can be a big hindrance. However if you can keep some of these points in mind, you can never be deceived.

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What Would You Do If You Received That Notice

What steps would you take if you suddenly received a foreclosure notice in the mail that you were losing your home or if you had so many bills that were out of reach and not able to pay even a portion of them, because this is happening on a daily basis to many families and they are actually having to file bankruptcy. Life is just not fair it seems or we are just living way out of our means and being too carefree by all of the additional cars and household equipment or if it is for your small business and just are making the ends meet. It is very difficult right now to do so and it really does not matter which state you are living in things are the same all over, even with the jobs and job searching people are losing their employment and cannot maintain their debts that they have accumulated; whether it is in New York or California or even Texas you need help as quickly as possible under these circumstances, and if you lived in Texas you might want to seek some counseling like a bankruptcy lawyer to assist you with debt relief. You would be surprised how much some of these professionals can take the edge off of your crisis in a very short time; just by giving them the chance and all the information that they need these counselors are capable of turning things around.

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Starting a Law Firm - Local Counsel Work

When considering starting your own law firm, one often overlooked source of business for your fledgling business is local counsel work.

When I began my career as an attorney at a medium sized firm, I had an idea of what I would be working on. For instance, areas such as corporate law, family law, criminal law, estate law, real estate law, are all examples of practices areas that I, like all lawyers, am familiar with because those courses are taught in probably every law school in the United States. So, if you join a law firm in the private practice arena, you will probably work as a lawyer in one or more of these areas.

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What to Expect If You File Chapter 11

Chapter 11 bankruptcy has traditional been reserved for large corporations who run into financial trouble and need to reorganize their operations and debts. As of 2007, anyone is now eligible to file chapter 11 bankruptcy if they meet a few requirements.

Chapter 11 bankruptcy is known as reorganization bankruptcy and is similar to chapter 13, which is much more commonly used for individuals. However, chapter 13 bankruptcy has statutory limitations regarding the amount of secured and unsecured debt that can be involved in the reorganization. The approximate figure is somewhere around $350,000 for unsecured debt and $1,000,000 for secured debts. This may sound like a lot of money, but many individuals have easily accumulated debt reaching this level due to previously high real estate values that have recently plummeted. Many people found themselves ineligible for Chapter 13 so the government modified the laws to make it accessible to individuals.

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Industry Case Studies - How Inbound Call Center Services Can Benefit Your Company

Call centers are devoted to handling a large volume of incoming calls, but inbound call center services include more than taking caller messages-they literally function as a customer service department and extension of your business. Inbound call center services include gathering information for order processing, checking order status, and providing answers to any questions customers might have about offered services and products, and more. Also consider that it's not just traditional order-placing businesses that benefit from inbound services-many other companies rely on inbound call center services to gather both specific and complex information from callers and potential customers in order to make sales and sell services.

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Asbestos Litigation

During the 1970s, the evidence became overwhelming that asbestos exposure led to serious health hazards including mesothelioma, a deadly form of cancer. In the 1980s, the amount of asbestos litigation increased greatly. Many asbestos companies declared bankruptcy to seek protection from their creditors. As a result, lawyers have adopted new strategies to obtain compensation for their clients. They now focus lawsuits on other companies that may have been involved in the asbestos exposure to gain compensation.

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Foreclosure Isn't Your Only Option!

If you are looking for a Dallas foreclosure defense attorney, you may or may not be finding it difficult to select one. Foreclosure attorneys specialize in helping people who are faced with the possibility of inevitability of foreclosure. A good attorney will have only your best interest and will do everything in his or her power to help you seek any options available.

Unfortunately, the worldwide recession has caused a huge increase in the number of foreclosures, and there is no sign of the numbers lessening. Many people are unaware that when faced with a foreclosure, there are options available which could help you save your home. The best thing you can do is to engage the services of a Dallas attorney as soon as you are faced with the possibility of a foreclosure. This will boost your chances of getting to keep your house.

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Seven Characteristics of a Highly Effective Law Firm

With so many law firms to choose from, how do you choose the right firm for your legal issues? The key is to look for certain characteristics that make one firm stand out from the rest.

What to look for in a Casa Grande legal practice

The most effective firms combine exceptional legal knowledge with experience and compassion. Look for the following seven characteristics when deciding who should represent you:

Skills in a wide range of practice areas: You may be disputing a will today, but what legal issues will tomorrow bring? You may need legal assistance in anything from buying a home to facing criminal charges. Dealing with the law in Casa Grande-whether local, state, or federal laws apply-requires exceptional knowledge of the laws and how they interact in your specific situation.

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Comparing Secured Loans and Credit Card Debt

Most Americans have some amount of debt. Student loans, car payments, and mortgages are a part of everyday life. Credit card debt is also very common, but it works quite differently from other types of debt. If debts are managed responsibly, they can be repaid without negatively affecting a person's life. But sudden life changes, such a disabling injury, can make it difficult to manage and repay debts. Understanding the differences between types of debt may be crucial to financial recovery.

Student loans, car payments, and mortgages are all types of secured debt. These are debts that are "secured" in some way. For example, mortgage agreements usually give the bank co-ownership of your house. If you do not make your mortgage payments, for example, the bank can repossess the house as its own property and sell it to make up for the loan you could not repay. With these debts, you make a steady series of monthly payments to repay your lender.

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The Corporate Shield With Respect to Failures

One of the most popular methods of protecting personal assets during times of business failure is to create-or, more correctly, to have created-a corporation. "The corporate shield" refers the protective effect a corporation has on the proponents' personal assets. These personal assets are shielded from liability events instigated by creditors or by a bankruptcy court.

There are various legal structures you can create to establish such a shield, and possibly you are already familiar with them. All of the following legal entities will give you some level of personal asset protection:

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How People Get into Debt

With new technology becoming available in what seems like every minute, the prices of everything rising, and the introduction of more and more credit cards, it is very easy to understand why an increasing number of people are finding themselves in debt. Personal bankruptcy is also on the rise because now people are having problems paying for their homes. However, people who realize they have a debt problem, there is help available. For many who file bankruptcy, Cincinnati is one of the cities that is able to offer the most help since there are hundreds of bankruptcy lawyers and companies who are able to assist people. In Midwestern cities like Cincinnati, debt relief is relatively easy to find as there are many lawyers and companies that are able to help those who seek it. There are almost too many reasons to count as to why people get themselves in debt. In a society that encourages buying, people need to be aware of the dangers that can be associated with debt and how to avoid getting in debt in the first place.

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Ohio Lawyers

The Supreme Court of Ohio is the highest authority controlling the practice of law in Ohio. Before being permitted to practice in Ohio, a lawyer must receive a law degree from a law school approved by the American Bar Association. If a lawyer attended a law school within Ohio, the school should be a member of the League of Ohio Law Schools. After obtaining a law degree, a candidate for admission to the Ohio bar must pass a background check, successfully complete a bar examination, and take an oath of office. The lawyer is then officially granted the title of attorney and counselor-at-law, and may practice in any Ohio court. To practice in a federal court, the attorney may need to pass additional examinations on federal law in certain jurisdictions.

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Common Estate Planning Mistakes to Avoid

You work hard all of your life and you want to make sure that you have good quality of life at the end of your days. You also want to make sure that the money and assets you have worked so hard to accumulate pass to your children or your designated heirs without argument or stress and without the government taking a huge piece of what you have worked for all of these years.

To protect yourself at the end of your life and to make sure that your money and assets are distributed the way you want them to be distributed, it is important to do some basic estate planning (EPg). It is also advisable to consult with an experienced attorney who specializes in EPg and who can help you to ensure you have a comprehensive and effective plan in place.

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Foreclosure - Don't Give it Up - You Can Defend

A record number of people could face the emotional trauma of losing a home, but there is a good way out of it. Foreclosure attorneys are stepping in to help clients keep their homes and struggle hard to avoid foreclosure. The work can be challenging and requires the foreclosure law attorney to act smartly and promptly, because the borrower doesn't usually seek immediate legal help until after foreclosure.

No matter what type of foreclosure dispute one is facing, legal experts will help you achieve your legal goals, while sparing you the headache and expense of a drawn-out legal battle. If you are losing your home to a bank, they are available to help you in stopping or delaying your foreclosure. They will also work to help you remain in your home or find an alternative to foreclosure such as a short sale or loan modification.

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Myths of Credit Reporting and Ways to Debunk Them

When it comes to credit reporting, there are several popular myths that are often believed by consumers, but are never true. These myths are created and circulated by the credit bureaus to discourage consumers from attempting to repair or improve their credit ratings. By debunking the common myths of credit reporting, consumers can gain fresh insight into the world of credit reporting.

Myth #1: The information on a credit report cannot be changed.

Exactly the opposite is true. The Fair Credit Reporting Act requires that items be removed if they are not 100% accurate or cannot be verified within 30 to 45 days.

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The 8 Biggest Severance Pay Package Mistakes

Severance Pay Mistake #1

"There is no law which requires a severance pay". True, but then why do all companies pay a severance?

There is no law which states that severance pay must be provided, but all companies provide severance pay because the alternative is far worse for them. Keep reading...

Severance Pay Mistake #2

"I'm an at-will employee so I cannot get severance pay".

At-will employment simply means that you are employed for an unstated duration, not a fixed period of time. It means you can leave at any time, and, your employer can terminate your employment at anytime, but a termination must be for legal reasons and a layoff must be performed legally! Being in an at-will employment state, or having an at-will employment contract, does not mean you cannot obtain severance-pay and a great severance package because you have leverage...

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Creditor Hearings in the Northern Part of Southwest Michigan

If you file for bankruptcy in Kent, Ottawa, Barry, Ionia, Mecosta, Montcalm, Muskegon, Newaygo or Oceana County, your Section 341 Meeting (the Meeting of the Creditors) will be held in Grand Rapids.

Unlike many districts, Grand Rapids 341 Meetings are not held at the Federal Courthouse. Instead, they are held at the Ledyard Building located at 125 Ottawa NW, which is on the corner of Ottawa and Pearl. To look at the building, you would think you were at the wrong place for a bankruptcy meeting. The first floor of the building is primarily retail, including a jewelry store, printer, barber, etc. There is also a restaurant located in the center of the building. The rest of the building is office space.

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Benefits of Hiring a Tax Lawyer: Who Should Do Your Taxes?

Problems with taxes haunt close to half of the American population because most people here have more than one job. Mixed income tax returns can be pretty hard to file on your own unless you monitor your income closely every month. For some people, this is a huge time consumer, and they simply don't have the time to sit down and fix the paperwork that comes with these tax obligations.

Some people, on the other hand, get into trouble with their taxes because they own businesses, and they make the mistake of binding their business tax with their personal tax. These two areas of taxation are very different from each other. Still others don't know how to file taxes for their realty estate. Before their know it, they're being audited by the IRS, and they're receiving less than what they should get of their salaries because their bank accounts have already been garnished.

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Houston Accident Lawyer - What Does "Board Certified" Mean?

Any time you need an attorney, you want the best. That is certainly true when you are the victim of an accident caused by another's neglect or wrongdoing. In Houston and all over Texas, some personal injury attorneys are certified by the Texas Board of Legal Specialization, and others are not. Only you can decide which accident lawyer can best represent you, and there are many factors to consider. The focus here is to shed some light on one kind of certification and give you an idea of what it means.

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Top 3 Reasons to Use an LDA

There are MANY reasons to use an LDA, but here are my Top 3:

1. Affordable/Low Cost: Using an LDA to prepare your legal documents is usually a fraction of the cost of hiring an lawyer/attorney. There are times when you just need a little help and direction versus a full blown legal service. If you are looking for a cost effective way to get a divorce, living trust, wills, bankruptcy, incorporation, LLC, power of attorney and more, try or contact an LDA first and they can refer you to an attorney if they cannot help you.

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Lawyers Firms

If you are a lawyer by profession then you must have an idea about the lawyers firms. But if you are new to this field and you want to enter this profession then you might want to know about various things related to this career.

Lots of students are interested in a legal career these days. Some lawyers practice individually while the others work for particular law firms. A firm is actually a business entity which is formed by a single or more than one lawyer.

The firms provide proper legal advices to their clients which is their primary duty. The advice they provide is regarding the legal responsibilities as well as the rights of their clients. Other than this, they also represent their clients in criminal as well as civil cases.

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Need Legal Advice? Do You Know the Difference Between a Discount Legal Program and a Pre-Paid Plan?

The obvious free option for general advice and information is to do a Google search on your topic. A wealth of information can be found on most any question, however, the accuracy and reliability of information found on the net can often be questionable. The old adage, "You get what you pay for", holds especially true on the internet.

Obtaining access to an actual attorney does not have to be expensive. There are numerous plans available for which you pay a small fee per month and have virtually unlimited access to legal advice. These plans come in a different varieties and most people do not understand the difference.

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The Growing Financial Crisis - Pass Me an Airsick Bag Will You? Has Anyone Seen My Tums?

Pass me an airsick bag, will you? And while you're at it, give me back my Tums.

Watching the stock market drop like an airplane hitting an air pocket and then rising only to drop again is enough to give you heartburn, even for a California finance attorney. Finance lawyers, whether they practice in San Diego, Orange County, or Palm Springs think they have seen it all when it comes to seeing finance fraud in litigation cases. But the testimony we have been hearing about the fraud in the financial markets is enough to turn your hair white, if you have any left.

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Lawyer Jobs - Top 10 Most Lucrative Lawyer Jobs

Lots of opportunities are coming up these days for the students. They have the opportunity to choose the field which they prefer and make proper advancements in their career. It is always important to choose the career which interests you the most.

You should never compromise with your choice in this case because a forced choice might even ruin your career. Legal field has gained quite a lot of popularity among students these days. There has been a steep rise in the number of lawyer jobs opportunities in the country in the recent times.

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How to Avoid Damaging Your Credit When Contemplating Divorce

It wasn't too long ago that severe financial problems stemming from divorce had a dramatic effect primarily on women. But these days many men are now confronting these issues because of the ever-increasing numbers of women who are pursuing high paying jobs in the corporate world and operating their own businesses.

The latest figures reveal that a high percentage of women are now the major wage earner in the family. This economic turnabout means that in some households it is the wife rather than the traditional role of the husband whose income qualifies a couple for joint credit.

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American Workers Injured Overseas Get Compensation Under The Defense Base Act

Following 9/11, thousands of American workers signed on with companies who contracted to aid in U.S. efforts in Iraq and Afghanistan. Many of these people paid dearly for that decision.

Tragically, many of these workers became injured while overseas. Adding to their difficulties, many of these injured workers, who put themselves on the line working in support of the American mission,faced steep medial expenses and loss of income as they recovered.

Some of these workers lost their lives, leaving their spouses and family in financial crisis. Many others who are unable to work watch their family's savings and assets dwindle, and their security disappear.

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What Can I Do If Foreclosure is Imminent?

If you feel like you may soon have to face a foreclosure, then you don't have to be alone. At first it can be confusing, especially if you don't really know what a foreclosure is or what to do when presented with one. The truth is that a foreclosure is something you want to try and avoid, however, in today's economic climate this isn't always easy, and falling behind or mortgage payments can sometimes happen no matter how hard you try to steer clear of it. But being served with a foreclosure doesn't have to mean the end of the world and there are a few things that you can do if you feel like your money may not stretch any further.

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Importance of Fighting Foreclosure Proceedings

The foreclosure crisis has swept the nation, leaving every state affected in its wake. Today, nearly everybody knows somebody who is either in foreclosure or buying a foreclosed home. Something you only used to hear about has now become the norm in many states. People are no longer shunned upon for losing their home; for many, walking away is simply a business decision.

If you purchased your home during the peak of the market, it's most likely you had no idea how much value your home would lose in the upcoming years. Watching the value of your investment property crash as your mortgage stayed level was probably devastating to watch. Hopefully you were not one of the unlucky ones who got sucked into an adjustable rate mortgage, for if you did, you're far worse off.

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Florida Motorcycle Accident Lawyers

A personal injury is defined as bodily harm such as a broken bone, a cut or a bruise that is caused to an individual. Any kind of physical injury, including one resulting from a motorcycle accident can be classified as a personal injury. In such situations, the victims can file a court case to recover damages from the party responsible for the same. Head injuries are the root cause of death and serious injuries in motorcycle accidents.

Most motorcycle casualties take place as a consequence of the recklessness or negligence of a person other than the victim, who caused the accident. Motorcycle accident claims are fairly complex to handle and requires fast and professional reaction from the plaintiff and the attorney handling the case. However, it is impossible for victims to respond fast enough and take care of all details if they have had severe health problems or disabilities as a result of the accident.

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What is an Automatic Stay?

An automatic stay is created when a person files for bankruptcy under either Chapter 7 or Chapter 13.

While it is in effect, creditors cannot:

o Try to bring a claim against you
o Try to enforce a judgment against you
o Try to gain property from you
o Try to create, protect or enforce any sort of lien against you
o Try to collect debts from you

In short, while you are protected by the automatic stay, you are safe from creditors. If they violate this stay, then they are liable for damages. It is important to give your creditors notice that you filed, so as to prevent them from harassing you as quickly as possible.

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Going Bankrupt - What's Good About It?

It is not easy to file for bankruptcy because of the social stigma attached to insolvency. Contrary to popular belief, bankruptcy is not the end of the world. In a weak economy with high unemployment rates, it is tougher to pay off all your loans and you are not alone in your financial struggles. If you are neck deep in debt and creditors have made your life a hell for you, filing for bankruptcy can save your life, and even your property and other assets. Here are some reasons why going bankrupt is a good option.

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The IRS Payment Plan Can Be a Life Saver - Beware, Strings Are Attached

Requesting an IRS Installment Agreement is certainly a positive action towards resolving a tax liability. Yet, there can be definite drawbacks to an Installment Agreement and the biggest drawback is: Interest and penalties continue to accrual. It is possible to pay your tax bill for months and end up owing more than when you started

It's easy to become discourage and wonder if you will ever get the tax bill paid off. Not to worry, there are options. First things first. Taxpayers can not request an Installment Agreement until all past due returns have been filed.

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If You Are Behind on Mortgage Payments, Take Action NOW!

I have gotten some emails from people who have wanted me to buy their house. The only problem is that they have waited too late. You see when faced with a problem like losing your home, many people get very nervous and scared.

In fact many families feel paralyzed with fear. They are so scared of what could happen to them with losing their home and their security that they aren't sure what move to make. It is a very tough situation because you have one person telling you to file bankruptcy. You have another person telling you to talk to the bank (and you don't want to talk to the bank because you don't have the money that they want anyway). You have yet another person telling you to sell the house while you still can.

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4 Debt Reduction Tips

If you are overwhelmed by debt, there are options you can take that will help you pay off what you owe without the stigma of filing for bankruptcy. We'll examine four ways you can get your debt under control and start working back on the road to financial recovery.

1. Contact your credit card companies. Ask each credit card company for help. They aren't likely to forgive you your loan, but they may be willing to reduce your interest rate. If your interest rate is currently 12% or more, ask if they would be willing to cut their rate in half. Why would they consider doing this? Well, creditors do not want you to default on your loan and they want their principle back. Sure, a nice fat interest charge would be ideal too, but if they sense you are ready to default on your loan, you can expect that a lower rate will be offered instead.

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Real Estate Law in Today's Economic Climate

Real estate law has a very prominent place in the United States regardless of the economy. The nature of this type of law, however, does change according to the economic climate. During upward economic swings when the industry is filled with new development deals, sales, and loan applications, real estate attorneys are needed to write up contracts for new deals, demand payment for loans, draw up agreements for development plans, and more. During difficult economic times, these attorneys focus more on foreclosures, bankruptcy, and loan refinancing.

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How To Find the Right Lawyer

For many individuals and small business owners, finding an attorney is one of the most challenging and important decisions that they will make. The problems that require a lawyer include those as varied as litigating a patent dispute, facing a divorce or bankruptcy, completing a real estate transaction, pursuing a personal injury claim, or creating a will. The ability to be able to use lawyers ratings, reviews, and recommendations to compare the educational background, professional qualifications, experience, and fees from a number of lawyers is critical to making an informed and cost effective decision. However, too often clients end up hiring the first lawyer that they meet with because they don't have enough information or sufficient recommendations. As a result, they may pay higher fees than necessary, select someone who doesn't have enough experience in their matter, or select an attorney who they don't work well with.

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Questions and Answers About Property Taxes

If you are unable to pay property taxes in time, there are severe consequences ahead. Even if you are moving on in the process of filing bankruptcy, you need to attend to these property tax obligations. Pick up a few tips on how to manage delinquent property taxes from these useful questions and answers.

Can I lose my home if I don't pay property tax?

Yes. The municipality in which you live will auction your home in a tax sale if you do not pay your property taxes within a specified time period.

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Legal Jobs - Top 10 Legal Job Opportunities

With new career avenues getting invented and newer laws being made to sustain them, there has been a sudden spurt in the number of legal job opportunities throughout the country. Quite naturally, legal jobs have become one of the hottest and most wanted jobs in the current scenario. High paying as well as up on the satisfaction level, these new legal jobs are being lapped up by fresher(s) and the experienced as well!

Here's a look at the top 10 legal jobs currently amongst the most popular jobs in US.

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The Successful Chapter 13 Preparation

A successful Chapter 13 requires hard work from both the attorney and his/her client. Clients should prepare by reading as much information as possible in advance of their 1st meeting with the lawyer. There is an application and forms to be filled out and signed. Clients should gather any and all financial documentation. You will need:

3 years tax returns;

6 months bank statements (checking, savings, money market accounts etc);

6 months pay advices (how you get paid - usually by pay stub, but you might have direct deposit or be self-employed, so you must show how much you earn as well as how you get paid);

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How Can Debts Not Paid Equal Taxable Income?

For some, foreclosure is the worst possible thing that could happen to them. The loss of one's home can be a devastating experience. On the other hand, there are people who view foreclosure as an easy way out. Unbelievably, some homeowners are simply walking away from their existing home to purchase a similar home across the street for a much lower price, deciding in advance to allow their original home to go into foreclosure.

Whether foreclosure is by choice or by happenstance, many homeowners are not aware of the hidden tax consequences of foreclosure. When homeowners lose their property to foreclosure, the mortgage lenders will likely try to sell the property to pay off the loans. In many cases, the properties will be up side down. In other words, the debtor owes more on the mortgage than the property is worth. The banks will then have no choice but to sell the properties at a loss. The original homeowner, technically, will still owe the bank for the residual balance. The same analysis is true for loans and credit card balances that are not paid.

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The Fair Debt Collection Practices Act Stops Creditor Harassment

In my Charleston, South Carolina bankruptcy practice, I deal with folks who are overwhelmed with debt. If you're in that situation, it's important to know your rights under the Fair Debt Collection Practices Act ("FDCPA"). Generally, while a creditor may call a debtor at work regarding a debt, a third-party debt collector is prohibited from doing so by the Act without explicit permission from that debtor.

Many debtors know the feeling of dread whenever their phone rings. They know there's a good chance that on the other end of the line is another resounding reminder that bills that haven't been paid, debts are still owed, and consequences could follow if that goes unchanged. And the only thing worse is the knowledge that they just don't have the means of paying what they owe right away.

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IRS Debt Tips For Reducing Late Fees, Penalties and Interest

Taxpayers with outstanding IRS debt often underestimate the consequences that occur when taxes are not paid. The Internal Revenue Service assesses late fees, penalties and interest which can double or triple the amount owed. People who fail to submit annual returns or pay outstanding taxes can be charged with tax evasion. If you owe the government money, now is the time to take action.

Solutions are available to help clear IRS debt. Contrary to popular belief, the Internal Revenue Service is willing to help taxpayers establish a payment plan. In some cases, they will write-off a percentage of back taxes. Taxpayers who ignore IRS debt collection letters are setting their self up for financial fallout.

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Pros And Cons Of Filing Chapter 13

Chapter 13 is for individuals with a standard income, keeping in mind their intention to pay their debts but who are unable to do so in a timely manner. The purpose of Chapter 13 is to facilitate financially distressed individual debtors to propose and carry out a settlement plan under which creditors are paid over an extended period of time. Filing of Chapter 13 has many advantages and disadvantages.

Chapter 13 tends to be advantageous because apart from a few prominent exceptions, bankruptcy stops all ongoing legal actions against the debtor. It prohibits a creditor from starting new legal actions against the debtor. It also prevents creditors with notice of the bankruptcy case from communicating with the debtor, or any person except the debtor's attorney, to discuss or seek collection of a debt. Often, it can be seen that liabilities relating to credit card debts, civil judgments, past-due accounts, and rulings due to repossessions and foreclosures may be settled. Similarly, by filing for Chapter 1,3 a person may be permitted to keep all or majority of his or her property through federal or state exemptions. However, certain liens and specific involuntary transfers such as garnishments may only be evaded if timely action is taken.

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A Brief Overview Of Salaries In The Legal Field

Many people consider the legal field because of the perception that salaries there are very high. However, the truth is that there is a wide variation in the compensation amounts paid to those in this field. Highly recognized attorneys command high salaries, but lawyers who have not yet achieved partner status in large firms can work very long hours under high pressure at salaries that seem high until they are considered on a per hour basis.

Generally, attorneys who have a law school education and who have passed the State Bar exams can expect to bring in a median salary of more than $110,000. These statistics are applied to those attorneys who are employees rather than self-employed or partners in a firm. Attorneys who are just starting out have a median salary of under $70,000 annually at the end of the first nine months after graduation from law school. Typically, those lawyers who establish their own practice may have to take on part time work in another field in order to pay the bills.

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Stopping Foreclosure Before The Process Even Starts

Stopping foreclosure is difficult, but it isn't impossible. Facing foreclosure just takes some good proactive decision-making as well as the help of professional guidance. Take these tips into consideration and the fear of foreclosure will definitely be out of your hair in no time.

Today, a lot of people lose their homes and property because of the inability to pay off creditors. Sometimes it's because of unforeseen circumstances that just happen. Events like a sudden loss of income or a loved one in unexpected need of hospital care can lead to a lot of troubles financially. If and when your savings account runs dry, foreclosure might become something to worry about. While, foreclosure is a pressing matter, a lot of people wouldn't have to lose their property if they knew even basic information about foreclosure. Equipping yourself with the right knowledge can prove to be very useful when stopping foreclosure.

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Issues That Determine the Costs of Divorce

The average cost of an American divorce is $20,000. However, this is a ballpark figure and actual expenses may add up much higher. Moreover, there is also the social cost of divorce. It has been estimated that a single divorce costs the federal governments about $30,000, based on things as the higher use of food stamps and public housing as well as increased bankruptcies and juvenile delinquency. Therefore, you can see that divorce is quite and expensive proposition.

Getting divorced is one of the most hurtful experiences one can face in life. Not only can it hurt you emotionally, leaving scars in your psyche that take decades to heal, but it can leave you so financially drained that it may take years for you to get back on your feet. There is little to ameliorate the emotional pain other than the support of your friends and family; however, with the proper choice of legal assistance, you can substantially lower your financial burden.

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Is the "Never Pay Policy" Making a Comeback? How to Fight It (Part IV)

In your policy it quite clearly states that no claim you make will be paid. You unfortunately plucked for our Never-Pay Policy, which if you never claim is very worthwhile - but, uh, you had to claim - and there it is."

-Mr. Devious to Reverend Morrison about the letter from the insurance company refusing to pay the Reverend's claim for damage to his car that was hit by a lorry while standing in a garage. Monty Python and the Flying Circus, circa 1971.

This is the final article in the "Never Pay Policy" series. The series deals with the fact that, at least in my small part of the world, many carriers are acting as if they sold the proverbial "Never Pay Policy." When the "Never Pay Policy" goes from being a joke to reality, many people lose. Insureds, whether businesses or individuals, are left to defend and settle claims with their own resources. In some cases, an insurer's failure to perform has the potential of putting an insured out of business or into bankruptcy. Claimants may face the prospect of not receiving compensation for their injuries. Damaged or destroyed property will not be repaired or replaced.

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Marital Home Considerations in a Divorce

The economy has trickled in some form or fashion into just about everyone's life at this point. While divorce statistics can be molded like any other numbers game, it does not take a mathematician to figure out that stress over money is at a high point..and this leads to marital problems.

It used to be that couples that found themselves unhappy could just file for divorce, fight over alimony, and pay all the lawyers when the house sold for a huge profit. These days, couples are staying together despite fighting over money, because they cannot jointly finance two households. Frankly, some are having a hard time financing one household, which brings the next point..more than ever before, houses belonging to good, hard -working, responsible folks are being foreclosed on. This trend is so pervasive that many people no longer feel the shame and embarrassment about this that they would have just 18 months ago. Stopping payments on the house is giving people the cushion cash - wise to allow two households to happen...and sometimes they are able to stay physically in those homes for months longer than you would think. Once the house is lost, lots of couples try to figure out how much further they need to let their credit go in order to get some control over their financial future, ie which credit cards to also quit paying and whether to declare bankruptcy.

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GM's Liability for Mesothelioma Claims, Much More Than Original Estimate

In an attempt to decipher the extent of liability General Motors Corp will be under with mesothelioma claims, creditors sought out and received information from the company and other entities. This information was obtained with permission from U.S. Bankruptcy Judge Robert Gerber, in NY.

With this information available to creditors, they will be able to determine how significant their bankruptcy is and may possibly be able to move out of bankruptcy. Motors Liquidation Co., the last portion of GM remaining in bankruptcy, plans to form a trust fund for future asbestos claimants. The creditors are able to demand documents from asbestos trusts established from other companies to help them estimate future mesothelioma claims. The trusts they are investigating currently have funding of $30 billion to $60 billion. Being able to view this information is essential for moving the company out of bankruptcy.

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Trademark - 7 Facts To Know Before Getting One!

Trademark Facts

1. A trademark is a brand name.

2. You do not have to register your trademark but it does have its advantages. Once you do register your trademark it will be informed to the public of your claim of ownership. You will also have the right to use the mark exclusively. Trademarks that are registered with the US Patent and Trademark Office are recognized with this symbol: ® symbol.

3. If you decide to do the registration, the mark may not be used while your application is pending.

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