Types of Personal Bankruptcy

Reduction in income, loss of job, divorce, medical expenses due to injury or illness which can cause you days of absence from work, aside from the possibility of you not having insurance coverage, can all result to failure (on your part) to settle your monthly financial obligations like payment of utility bills, mortgage, car loan, personal loans to friends and family, credit card bills, and so forth. Problems, however, do not end here for, before you realize it, your debts would have increased to an amount that would be impossible to settle, considering your financial situation. This will soon be followed by phone calls, emails, text messages and even notices of lawsuits – tactics used by creditors and collecting firms to force you to pay your debts.

If you can no longer meet your obligations to your creditors and lenders, know that you have the ability to free yourself from all or a part of your debts – this is stipulated under the U.S. Constitution. This ability is made possible by filing for bankruptcy, one of the legal means introduced by the government through which individuals and business firms can free themselves from overwhelming debts for a chance at regaining control over their finance. The Bankruptcy Law or Bankruptcy Code was made into law by the U.S. Congress in 1978; it contains various chapters, each designed to address individuals’ and businesses’ specific financial situations.

By the end of 2015, the U.S. Bankruptcy Courts said that 844,495 cases of bankruptcy were filed in the U.S. Under Chapter 7 bankruptcy, the chapter most commonly filed, there were 535,047 cases; Chapter 13 had 301,705 case; and, Chapter 11 had 7,241 cases filed under it.

Chapter 7 or Chapter 13 of the Bankruptcy Code are the specific chapters that you may choose if you need to file for personal bankruptcy. Chapter 7, specifically, allows you to have all or part of your debts discharged, after you repay some of the debts using your liquid assets.

Liquid assets, which are considered as non-exempt assets, are assets that can quickly be converted into cash, such as savings and checking accounts. Besides these, there may also be a need for you to surrender some of your non-exempt properties, like a second house or a vacation house, some jewelry, another car, etc., to a court-appointed trustee who will take charge in the selling of your surrendered properties and in paying your non-dischargeable debts to your creditors.

To be able to file Chapter 7 bankruptcy, however, you will first have to pass a means test. This test is designed to make sure that your income does not exceed the limit set under this chapter. Failing the means test may disqualify you from filing for bankruptcy under Chapter 7, but not for bankruptcy under Chapter 13.

Chapter 13 allows you to design a three-year, or five-year (if allowed by the courts) payment proposal during which time you can settle you debts. This is to make debt payments more affordable for you. Many individuals decide to file under Chapter 13 instead of under chapter 7 because under the latter, they will not be required to surrender any of their assets or properties. If they are operating a business, they will also be allowed to continue operations, a benefit not included under Chapter 7. Chapter 13, however, requires that the amount of your secured debt does not exceed $922,975 and your unsecured debt, not more than $307,675.

Personal bankruptcy protection can be a powerful tool in preventing creditor harassment, repossession and foreclosure, and other challenges that serious debt problems can cause. To make sure that you understand the process involved in each of these chapters it would be best that you seek the help of a highly-skilled personal bankruptcy lawyer.

Can I Handle a Personal Injury Case on My Own?

It is tempting to take control of everything in your life. This is, after all, a day and age when people want things done as soon as possible—an age of society that thrives and relies on instant gratification. So, yes, it can be tempting to simply take the swiftest and easiest way out of a situation and just get back to your regular, comfortable life – but with legal matters, should you really go through with it on your own?

If you are the plaintiff of a personal injury case – either you were the injured party or the surviving kin of the victim – then it is more than likely that you may be advised to not seek legal representation and take the first settlement you’re offered. Money is money, after all, and actual legal process can only mean complications, right? Wrong.

This is a common misconception that aims to benefit the insurance companies and not the survivor of a horrible incident. According to the website of the lawyers with the Hankey Law Office, insurance companies know that it is statistically more likely that a person who is represented by an attorney has a better chance of receiving a larger and fairer monetary settlement than a person who has had any legal aid at all.

It can be complicated to go through with the legal process but it doesn’t have to go to court. A settlement can be reached without having to face a trial. The only difference is that with reputable and experienced representation, you can be rewarded with not only sufficient compensation to cover your lawyer’s fees but also recompense to cover other financial constraints that you may not have considered such as the loss of wages or even the expenses to cover therapy in order to treat emotional trauma, which can be just as debilitating as physical injury.

Neck and Back Injuries

Neck and back injuries are very common injuries involved in road accidents, and they are also the most prevailing reasons for doctor’s visits. The human neck and back are made of delicately complex structure of muscles, bones, tissues and nerves that can easily be injured during an automobile accident. Often, the injuries include neurologic symptoms which can then radiate to other parts connected to that particular part of the nerve. Furthermore, any injury that affects any part of the spine can cause spasms (or reflex tightening) of the paraspinal muscles that can be very painful and debilitating.

It is estimated that eight out of ten people will suffer from neck or back pain at one point of their lives. There are those who would experience acute neck and back pain can feel abrupt and intense pain that can fortunately subside after a few days of weeks, but there are some types of neck and back injuries that are long-term and even result to chronic pain. According to Russo, Russo & Slania, P.C., those who have suffered from serious neck and back injuries due to the fault of another has the right for compensation and may be able to legally file a personal injury claim.

Whiplash is one of the many injuries that should be checked following an automobile accident. This injury is not immediately seen or felt by the victim, but can show itself hours or days after. Although many victims believe whiplash to be a minor injury, various research have proven that it can be a significantly long-term injury. Victims of automobile accidents should also consider low-impact injuries because soft-tissue injuries are often overlooked.

Many of these injuries require lasting medical treatment and can put a strain on your finances state. This is the main reason why people file for injury claims; awarding compensation is not only to deter motorists from doing similar acts, but also to help cover for medical expenses and other damages that the victim experience. Both economic and non-economic expenses can be covered by the compensation, making medical treatments faster and easier.

How Parents Can Protect Their Children from Dog Bites

Dogs are an integral part of many American homes. With their playful attitudes and pleasant dispositions, it’s no surprise that thousands of people in the U.S. consider their beloved pets as part of the family. Dogs make for great companions. However, despite their lovely attitudes, there are moments when dogs become scared or provoked and easily turn aggressive. When this happens, a family’s beloved mutt can be a threat to the health and safety of their neighbors.

About a year back, news of how a young boy from Bakersfield, California was attacked by their neighbor’s dog became widely spread. Footage showing the incident became viral because the family’s cat was able to successfully drive away the aggressive dog and save the 4-year-old from more serious injuries. Unfortunately, not all children are saved from dog bites in the same way. In fact, according to the Centers for Disease Control and Prevention, the majority of dog bite victims are children. Because children are often unable to understand a dog’s body language and reactions, they do not become mindful of when it’s time to stay clear of an already aggressive or threatened dog.

Parents can protect their children from attacks by making sure they are properly supervised when playing outdoors, or when they are around or interacting with dogs. It’s also important that parents teach their kids some safety precautions that can help them avoid injury. The American Society for the Prevention of Cruelty to Animals offer several suggestions that can help keep children safe from dog bites. One of the most important tips they offer is to make sure your kid understands the potential danger of petting or approaching a stray, a dog that’s off its leash, or stranger’s dog without permission.

Despite these precautions, the accountability for a dog’s aggressive behavior ultimately rests on its owner. All pet owners should make sure that their dogs are properly trained. They also have to make sure their dogs are properly contained within their own property, and that visitors to their homes are free from harm. As pointed out by the website of McCutchen & Sexton – The Law Firm, dog bites caused within a person’s home or property can be considered a premises liability case and could merit the victim compensation through proper legal channels.

Dealing with A Personal Injury Lawsuit

Dealing with a personal injury lawsuit can be one of the most stressful things that could happen to any one person. This is not even to mention the turmoil and grief that this places upon the sufferer’s family members as well. Healing from the personal injuries alone can demand medical procedures that can cause financial strains that would be difficult to come up from. There is also the suffered emotional and psychological trauma from having had to go through such a horrific event. The consequences of a single negligent action could have profound effects on any personal injury victim.

That is one thing that victims of a situation like this have in common – their injuries are profound and touch more than just skin deep. However, the circumstances with how they received these ghastly injuries can determined how and which way the claiming of compensation can go. Pursuing legal action is a dreadfully tedious enough of a task to do for any other reason but when recovering from an injury, having to think about the technical stuff is really the last thing on anyone’s mind.

Personal injury, after all, can be dissected into various different subsets from medical malpractice, defective pharmaceuticals, automobile accidents, child injuries, or even wrongful death, according to the website of lawyers with Crowe & Mulvey, LLP. These medical terminologies and procedures then require expert help in both the hospital and whilst in trial. Lawyers that specialize in personal injury are more known to be resourceful due to the fact that their experience with these kinds of lawsuits have exposed them to experts in the medical field as well, thereby allowing them knowledge of what is the best path for you to take while having to deal with the aftermath of an accident that has caused personal injury.

Hiring a legal team to take your case to court can save a lot of time and heartache in the long run, as well as compensation for all the medical expenses as well as some form of retribution for the trauma sustained.

Acne Treatment with IPL

There are many methods for the treatment of acne vulgaris a.k.a. pimples with varying degrees of success depending on the severity of the condition and other factors such as skin type and health regimen. According to the American Academy of Dermatology, it is the most widespread disease of the skin in the US, which makes it a profitable area of research. One of the more advanced therapeutic methods to treat the condition makes use of intense pulsed light (IPL).

In mild cases, over-the-counter topical medications can be efficacious in clearing up acne vulgaris when it flares up, but even then there are no permanent solutions. As long as the patient produces excess oil and continues to have difficulty in shedding dead skin where the Propionibacterium acnes bacteria thrive, the condition is likely to recur.

The same can be said with acne treatment using IPL. The main reason IPL may be considered is when topical treatment modalities have been unsuccessful in managing an acne attack, usually moderate to severe cases. IPL uses pulses of broad spectrum light to kill the bacteria that cause acne, and in some cases restrict the production of facial oil by reducing the size of sebaceous (oil-producing) glands in the face.

IPL treatment for acne has been found to be generally safe in studies, resulting in significant reduction in acne flare ups and improving skin tone in certain cases. Complaints about the adverse effects of IPL for acne treatment may have been because it was administered by an untrained or unqualified operator or it should not have been administered at all. It is not suitable in all cases; a qualified medical professional will evaluate each patient to determine if IPL is a suitable treatment modality.

It is also important to note that IPL is not a miracle cure. Significant improvement may only be apparent after several treatments, and some cases may need to use antibiotics in conjunction with the IPL for best results. When administered properly, IPL can provide relief from acne for at least 6 months with good skin regimen.

Controlling Stress before it Controls You

Instant! Everyone wants everything in an instant. This is what modernization provides life today, not to make life more comfortable, though, but to enable everyone to keep pace with the fast trends. And if you lag behind, the result is often STRESS!

Whether people accept it or not, it is a fact that everyone has made stress a part of life. Deadlines, bills to pay, schedules to keep, and so many others . . . ah, of course, the traffic.  Psychologists say that moderated stress cannot be that bad, though. In fact it can even be turned to some form of motivation which will develop in us the ability to control our mental and emotional disposition, to enable us to perform any task well even when under the pressure. However, if stress has become your very way of life, then you can be headed to an unhealthy lifestyle.

A “fight or flight” kind of life will definitely take its toll soon enough; it will make your mind, body and emotions pay, all to your regret.  Constant, unchecked pressure can make you hypertensive, cause infertility, increase the risks of stroke and heart attack, suppress your immune system, and affect your work productivity, mood, relationships, and quality of life.

“Fight-or-flight” is actually the body’s defense mechanism to threatening situations; it is what experts otherwise call the stress response. This defense mechanism makes the body more alert and the mind, more focused. It can also enable you to control the situation, to be able to work well – but all these are only within a certain point, for beyond that point, stress will cease being useful and will start doing damage instead.

Some of the very common mental and physical effects of a stressful life, include irritability, inability to relax, isolation, seeing only the negative, constipation or diarrhea, loss of sex drive, loss of appetite or excessive eating, neglect of responsibilities, turning to drugs, alcohol or cigarettes to relax, nail biting, and pacing back and forth.

To be able to control stress, before it controls you, it is important to know your strengths and your limits. Know what things make you stressful and be very, very conscious of your tolerance level. You’ll be surprised to see what awareness will enable you to do or not do for your good and everyone else’s.

Bankruptcy Overview

When debtors face difficult decisions, bankruptcy can be a useful option on the path to re-establishing financial stability. Bankruptcy might be a necessary option if a business or homeowner cannot pay their debts. Many people choose to file for bankruptcy when they are facing foreclosure or bank repossession. The term “bankruptcy” is commonly associated with failure or financial ruin, however bankruptcy is actually more commonly a resource in relieving debt and rerouting the debtor toward a more healthy financial path.

According to the website of the Bradford Law Offices, PLLC, filing for bankruptcy can provide the debtor with valuable benefits such as the discharging of debts. Additionally filing can stop the repossession of the debtor’s home and give them more time to catch up on missed payments. Debt collectors will cease incessant attempts to contact the debtor once they have taken action to file for bankruptcy and, in some cases, repossessed materials will be returned to the debtor.

Chapter 7 bankruptcy is one of the most commonly filed for chapters in the United States. Both individuals and businesses can file for chapter 7. In order to qualify for chapter 7 bankruptcy debtors must take a “means test” to evaluate how much financial assistance they are able to receive. In addition to taking this test, debtors must take a counseling course in order to prevent them from needing to re-file for bankruptcy in the future. The credit counseling course is also a protective measure against people trying to abuse the benefits gained through bankruptcy, (also known as bankruptcy fraud). The United States government classifies bankruptcy fraud as a federal crime. Fraudulent action on the debtors’ behalf might include the concealment of assets, false claims, withholding important documents, conflicts of interest, etc.