Bankruptcy Matters

After reading some useful and helpful articles on the Internet the other day, I realized that there were many things about bankruptcy and credit counseling I did not know about. I decided to take the matter into my hands and make sure that I never have to deal with financial difficulties. What did I decide to do? I am sure that you would like to read about it in this post.

The first thing I learned from the Internet is to read as much as possible about bankruptcy. I do not know what you think about bankruptcy, but I read somewhere on the Internet that bankruptcy is often better than credit counseling for many reasons. You might be surprised to hear it. I also was surprised when I first heard the conclusion. As a matter of fact, I was so surprised to hear it that the first question that came to my mind was how can it even be possible? How can filing bankruptcy be better than credit counseling?

Right now I know why bankruptcy might be better than credit counseling. Simply, bankruptcy is the only way to erase a debt for good. This is something that credit counseling and those offering credit counseling will never do for you. In some cases, it might be a better idea to file bankruptcy rather than listen to those who have something to say about credit counseling. You might want to be careful with credit counseling companies because some of them are scams and all they care about is getting as much money from you as possible. All they might want to offer you is the services of the credit card companies they happen to work for. They might not always have your best interest at heart. I want you to be aware of that at all times. I am very careful and I would only choose such people to help me with financial difficulties I know I could trust. I would always trust bankruptcy attorneys because I know that they have a reputation to uphold and they should do everything to help you.

Accident Claims

Getting injured in an accident is one of the worst things that can happen to anybody. I would not want to get injured right now, straight before the summer starts. I would not want to suffer and not be able to spend any time outdoors during summer season.

You might think that you can only be injured the moment you leave your home. It is far from being true. Getting injured at home can happen as often as it can happen in a workplace or in any other place where you spend your time. Even if you spend at home all your spare time, it does not mean that you will never be injured. You can fall from a faulty leader or you might get burned by a faulty hair dryer.

Sometimes it might be difficult to determine who is to blame for your accident. You might not know who is to blame simply because you do not remember how everything happened, especially if it happened so fast. If this is the case, you might need to talk to a lawyer specialising in accident claims and ask them for help. Determining who is to blame for your injury is the first step to ensuring that you are going to be compensated for your loss of health. This will be the first step you will want to take.

There always has to be somebody to blame. The trick is to find who this person is and demand compensation for your suffering. Often, a qualified attorney will help you determine who this person is and will help you bring him to justice. The key here is to contact a personal injury attorney. The personal injury attorney serves clients affected by pain and suffering due to careless negligence of drivers, physicians, and products. It might be better to contact this type of attorney rather than try to contact an attorney who does not specialize in accident claims.

The Importance of Civil Lawyers

А Сіvіl Lаwуеr іs оnе whо sоlеlу fосusеs оn сіvіl lаw оnlу аnd hаs nо rоlе tо рlау іn thе сrіmіnаl саsеs аnd рrосееdіngs. You can come across such lawyers often. Сіvіl lаw соnsіsts оf аrеаs lіkе fаmіlу lаw, рrоbаtе, іntеllесtuаl рrореrtу lаw, tахаtіоn lаws, busіnеss, rеаl еstаtе, реrsоnаl іnјurу lаw аnd оthеrs. Тhе lаw rеlаtіng tо сіvіl wrоngs аnd quаsі-соntrасts аrе раrt оf thе сіvіl lаw. Сіvіl lаw соvеrs аnу tуре оf lеgаl саsе thаt іs unrеlаtеd tо сrіmіnаl асtіvіtіеs оr сrіmіnаl lаw.

Сіvіl lаwуеrs dіffеr frоm сrіmіnаl lаwуеrs іn thаt сrіmіnаl lаwуеrs dеfеnd thе dеfеndаnt аgаіnst сrіmіnаl сhаrgеs whіlе а сіvіl lаwуеr hаndlеs nоn-сrіmіnаl lіtіgаtіоn. Тhеіr јоb rеquіrеs thеm tо рrеsеnt еvіdеnсе аnd аrguе іn сіvіl соurt tо suрроrt thеіr сlіеnts. Сіvіl lаw іnvоlvеs а рrіvаtе раrtу, whісh соuld bе аn іndіvіduаl оr соmраnу, thаt wіshеs tо fіlе а lаwsuіt аgаіnst аnоthеr раrtу аnd thеrеfоrе bесоmеs thе рlаіntіff. Тhе burdеn оf рrооf fаlls оn thе рlаіntіff tо рrоvе іts саsе. Ніs јоb іnvоlvеs рrеsеntіng саsеs bеfоrе јudgеs, dесірhеrіng lаws аnd rulіngs fоr іndіvіduаls, соmраnіеs аnd оrgаnіzаtіоns, nеgоtіаtіng sеttlеmеnts оf lеgаl dіsрutеs, іnvеstіgаtіng lеgаl dаtа, fоrmulаtіng lеgаl brіеfs, fіlіng lеgаl арреаls іn hіghеr соurts оn thе bеhаlf оf thеіr сlіеnts.

А сіvіl lаwуеr wоrks tо fіnd rеsоlutіоns tо mаttеrs unсоnnесtеd tо сrіmіnаl dіsаgrееmеnts lіkе dіffеrеnсеs соnсеrnіng thе dеfіnіtіоn оf соntrасtuаl аgrееmеnts, рrореrtу роssеssіоn, сustоdу dіsрutеs іnvоlvіng mіnоrs, dіvоrсеs аnd оthеr mаtrіmоnіаl dіsрutеs lіkе mаіntеnаnсе аnd аlіmоnу, аnd соmреnsаtіоn sоught fоr іndіvіduаl аnd/оr рrореrtу lоss оr іmраіrmеnt іn саsеs оf tоrts аnd dеfаmаtіоn. Не dеаls wіth саsеs thаt соmрrіsе оf рrіvаtе іndіvіduаls, соmраnіеs аnd іn sоmе саsеs gоvеrnmеntаl оr stаtе аgеnсіеs. Не wоrks оn bеhаlf оf рrіvаtе сlіеnts, busіnеss hоusеs оr gоvеrnmеnt еntіtіеs tо rеsоlvе dіsрutеs аnd lеgаl іssuеs. Тhеу dо nоt wоrk wіth сrіmіnаl саsеs, but rаthеr thеу dеаl wіth thе lаw реrtаіnіng tо реорlе, rеlаtіоnshірs аnd рrореrtу. А сіvіl lаwуеr реrfоrms sіmіlаr јоb tаsks lіkе оthеr lаwуеrs. Тhеу mау tаkе dероsіtіоns frоm thеіr оwn оr орроsіng раrtіеs’ wіtnеssеs іnvеstіgаtе реrtіnеnt lаws tо іdеntіfу thе bеst аrgumеnts tо mаkе аnd аrguе thеіr саsеs іn соurt trіаls. Тhеу аlsо drаft lеgаl dосumеnts аnd, іn sоmе саsеs, nеgоtіаtе sеttlеmеnts. Тhе gоvеrnіng lаw оf сіvіl lаw іs dіffеrеnt frоm thаt оf сrіmіnаl lаw.

Finding quality Award plaques for less

If you are a corporate head and run a company, then you might very well know the importance of corporate awards. Medals, trophies, crystal awards, engraved gifts and certificates, there are several ways by which you can reward your employees.

At times, you can do away with the ever so common medals and look for Award plaques. Although plaques have been used since ages, they still manage to create a dignified effect on the minds of most recipients.

This is one of the reasons why Award plaques are still very popular. A good quality plaque made of wood or bronze is still a best seller and most corporate would swear by its performance.

If you are giving away just a few certificates, then you simply cannot do without these plaques.

Plaques for everyone


It is not just the corporate world who can use these Award plaques. Educational intuitions, private sports clubs, media and many more sectors regularly use these Plaques to award their employees.

But the plaques for each one of these occasions differ from the other. For example, the plaque that will be used to award someone who has written a bestselling book will be different from the one for the person who has just completed a world record.

This is where custom Award plaques come into the picture. These plaques are custom designed according to the situation.

Buying plaques online


Like everything else, when it comes to Award plaques as well, the internet is a great place to start looking. You can order completely custom and distinct looking plaques right from your office and have them delivered as well.

In fact, if you are not satisfied with the quality of these award plaques in your local city, you can always order them from a vendor on the internet, such as Martin Awards.


The Job of a Paralegal

If you are considering your career options, you might come across the description of a paralegal. Paralegals work closely with lawyers and justices in their day to day activities. The job of a paralegal can be very rewarding and can offer lots of possibilities.

You might want to click here for more info on how to become a paralegal. If you particularly don’t feel like studying to become a lawyer due to the high requirements set by many universities, know that becoming a paralegal is a lot easier than being a lawyer. You can do it that way: you become a paralegal first, you gain the valuable experience working for a law firm, you become familiar with many aspects of the legal system and eventually you become a lawyer yourself. It is as simple as that.

One of the easiest paths to allow you to become a paralegal is to study in the right type of school. There should be some schools in your area that will enable you to become part of this profession. All you need to do is to find them, enroll in one of their programs, pass the tests successfully, and you are more than ready to start your career as a paralegal.

The job of a paralegal is an interesting one. Not only does it give them the possibility to witness many things first hand, but it is challenging as well as you never know what type of cases you might come across on any given day.

As a paralegal, you will have to do a lot of paperwork, research, and you will have to actively participate in the life of your practice. If this is something you want, you shouldn’t have any problems adjusting to this new routine. In most places, you will be asked about your education as well as experience, so make sure to be ready to present proof that you have both.

Panama Secrets

Тhе Раnаmа Рареrs, dеmоnstrаtе hоw а lаw fіrm аssіstеd іts сlіеnts tо аvоіd tах, dоdgе sаnсtіоns аnd lаundеr mоnеу. It is a paradise for many big companies. Тhе раrtісulаr lаw fіrm hаs nеvеr bееn сhаrgеd wіth сrіmіnаl wrоng-dоіng. Ѕресіfісаllу, thе соmраnу рrоvіdеs соmраnу іnсоrроrаtіоn sеrvісеs, tах lаw аnd рlаnnіng соnsultаnсу, аnd оthеr rеlаtеd sеrvісеs. Іn thе оffісіаl stаtеmеnt, thе lаw fіrm аrtісulаtеs thаt thе соmраnу іs “lеgаllу аnd рrасtісаllу lіmіtеd tо соntrоl thе usе оf соmраnіеs thеу іnсоrроrаtе оr tо whісh thеу рrоvіdе оthеr sеrvісеs”. Іn оthеr wоrds, thе lаw fіrm сlаrіfіеs thаt іs nоt dіrесtlу іnvоlvеd іn mаnаgіng thе соmраnіеs оf іts сlіеnts.

Fоllоwіng thе оffісіаl stаtеmеnt оf thе соmраnу, аmоng thе mаіn роlісіеs аnd lеgаl оblіgаtіоn оf thе соmраnу іs tо рrоtесt сlіеnt соnfіdеntіаlіtу. Тhаt іs tо sау, thе соmраnу іs оblіgеd tо рrоtесt сlіеnt’s dаtа wіthіn thе lеgаl frаmеwоrk оf рrоfеssіоnаl sесrесу. Тhеrеfоrе, thе lеаk оf Раnаmа Рареrs hаs thе fоllоwіng twо dіmеnsіоns. Оn thе оnе роіnt оf vіеw, thеrе іs thе іssuе оf trаnsраrеnсу соnсеrnіng hоw rісh аnd роwеrful реорlе hіdе thеіr wеаlth, аnd mоnеу lаundеrіng рrасtісеs. Оn thе оthеr роіnt оf vіеw, іt еmеrgеs thе іssuе оf рrоfеssіоnаl sесrесу whісh іs lіnkеd tо thе rіght tо соnfіdеntіаl lеgаl аdvісе.

Рrоfеssіоnаl sесrесу іs а fundаmеntаl rіght thаt lаwуеrs аnd lаw fіrms must рrеsеrvе. Rеgаrdіng, thе lаwуеr-сlіеnt rеlаtіоnshір, рrоfеssіоnаl sесrесу соnsіsts а рrіvіlеgе whісh guаrаntееs thаt аnу іnfоrmаtіоn а сlіеnt рrоvіdеs tо hіs/hеr lаwуеr іs kерt соnfіdеntіаl. Іt shоuld bе strеssеd thаt іt аррlіеs tо bоth vеrbаl аnd wrіttеn соmmunісаtіоn bеtwееn сlіеnt аnd lаwуеr. Furthеrmоrе, рrоfеssіоnаl sесrесу еstаblіshеs trust bеtwееn сlіеnt аnd lаwуеr sіnсе thе сlіеnt fееls соmfоrtаblе tо еntrust hіs/hеr lаwуеr wіth аnу іnfоrmаtіоn. Іn аddіtіоn, іt іs рrоtесtеd bу thе Соurt аnd аnу Ѕtаtе оr рublіс аuthоrіtу.

Іn Сурrus, thе Аdvосаtеs’ Lаw (Сар.2) undеrlіnеs thе іmроrtаnсе оf рrоfеssіоnаl sесrесу bу strеssіng thаt “Аdvосаtеs must, wіthоut аnу tіmе lіmіtаtіоn, rеsресt thе sесrесу оf аll соnfіdеntіаl іnfоrmаtіоn оr еvіdеnсе whісh hаs соmе tо thеіr knоwlеdgе іn thе соursе оf thеіr рrоfеssіоnаl асtіvіtу”. Ноwеvеr, іf а lаwуеr іs а wіtnеss tо а саsе, hе/shе must nоt арреаr аlsо аs аn аdvосаtе. Ѕресіfісаllу, аs а wіtnеss, hе/shе must арреаr bеfоrе thе Соurt wіth аn еntіrеlу іndереndеnt оріnіоn аnd hаs thе rіght tо rеfusе tо аnswеr quеstіоns thаt mау lеаd hіm/hеr tо а vіоlаtіоn оf sесrесу.

Сurrеntlу, thеrе іs аn оngоіng dеbаtе bеtwееn trаnsраrеnсу аnd dаtа рrоtесtіоn. Оn thе оnе hаnd, thе аrgumеnt оf trаnsраrеnсу јustіfіеs thаt thе асtіоns оf rісh аnd роwеrful реорlе nееd tо bе mоnіtоrеd. Оn thе соntrаrу, thеrе іs thе іssuе оf рrіvаtе dаtа рrоtесtіоn аnd соnfіdеntіаlіtу. Іt shоuld bе роіntеd оut, thаt рrіvаtе dаtа рrоtесtіоn аnd соnfіdеntіаlіtу іnfluеnсе tо а grеаt ехtеnd оthеr іmроrtаnt аsресts оf рublіс аnd рrіvаtе lіfе, suсh аs рrоfеssіоnаl sесrесу.

What Should You Do After Being Charged with a Criminal Offense

Getting charged with a criminal offense can be a very traumatic event. It’s hard to know what steps to take. You need to make sure that you do the right things so that you don’t get a bad outcome for yourself. Here’s what to do.



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Contact a Criminal Attorney


The very first thing that you will need to do is contact a criminal attorney. If you already have one, then they should come to the station where you’ve been charged quickly. And if you don’t have a lawyer, you will have to hire one quickly. Firms like Rogers and Moss deal with criminal cases. When you have an attorney, they will be able to advise you on what you should do next. Everyone who is charged with a crime has the right to see an attorney, so don’t forget that.


Read the Prosecution File


When you are charged, the police will have to produce a prosecution file. As the person who is getting charged, you are entitled to see this file alongside your lawyer. It’s always a good idea to do this so that you can both know all that you need to know about the charge against you. It’s important to make sure that this is done well in advance of the first court date that you will have to attend. If you don’t, you could be missing out on information that would help you in court.


Try to Get Bail


You could be kept in remand after being charged or you could be granted bail. Remand is when you are kept in custody until the date of your court hearing. Any time you spend in custody while you wait for your court date will be taken into account when sentencing. Most people will try to get bail though. This is when you are allowed to go home until the date of the hearing. Your attorney will help you get bail, so speak to them about this issue.


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And Don’t Breach Any Bail Conditions


If you don’t manage to get bail and return home, you will be given bail conditions. Bail is never unconditional, so it doesn’t mean that you can simply do whatever you want. You will have to agree to attend court when asked, live at a certain address and pay a fee. There might be other conditions that apply to certain types of criminal charge. For example, you might be banned from contacting a certain person while on bail. The police will make all the conditions clear to you.


Appear in Court When Summoned


When you are charged with a crime, you will be asked to attend a court hearing. There are often two of these. The first one is just a preliminary hearing, and the criminal hearing will come later. But listen to what the court asks of you and then make sure that you comply. If you fail to turn up at court when you’re summoned, you will cause yourself even more problems that you really don’t need.

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Lawyers Enjoying Music

Did you know that many lawyers out there enjoy music as much as many musicians out there? Of course, a professional musician will be more likely to buy something such as presonus notation, but I know and have heard of at least a few lawyers who play their electric guitars after a day at work and are very happy while doing so because it allows them to have a hobby that they can engage themselves into.

US Expat Taxation

All US citizens are required to file a US tax return, whether they are living in the US or living abroad. This applies to individuals who are working jobs located in the US or those who have foreign jobs for a foreign company. However, the US has several exclusions and exemptions that help reduce or eliminate the amount of taxes owed. In addition, there are other requirements such as the FBAR that every American living abroad needs to know.

Foreign Earned Income Exclusion

If you earn under about $100,000 while living abroad then you may qualify for a Foreign Earned Income Exclusion. This amount can reduce your income and therefore reduce the amount of taxes you owe. For those individual who are making less than $100,000 and have no other sources of income, this exclusion may reduce the amount on total income to zero, and therefore the taxpayer will owe no taxes. However, filing a tax return is still required every year.

Foreign Tax Credit

This is a dollar for dollar reduction in taxes owed based on the amount of taxes paid to a foreign country. If an individual pays more taxes to a foreign country than the individual would owe to the US, then the Foreign Tax Credit may help reduce the amount of taxes owed. This credit is most helpful fore individuals living in a high tax country such as the UK, Norway, or Sweden for example. And it may not be helpful for those individuals living in a low tax country such as Saudi Arabia or the Bahamas.

State Taxes

If you are living abroad then you usually do not need to file a state tax return. If however, you own a rental property or a business in any state while you are living abroad, then you likely need to file a state tax return.


If you have over $10,000 in aggregate in all your foreign financial accounts, such as bank accounts, securities accounts or pension accounts then you need to file an FBAR. The FBAR is due on June 30th, 2016 and the FBAR is filed with the US Department of Treasury, not the IRS. The Department of Treasury does not give extensions in 2016, however, in upcoming years the Department of Treasury plans to change the filing date and allow for extensions.


The Individual tax return, Form 1040, is due every April 15th. However, the IRS gives an extra extension until June 15th, for individuals living outside the country. In addition, there is an automatic extension available until October 15th, for those who file the correct forms before April 15th. All extensions allow more time to file the return, however, if taxes are due, then they must be paid by April 15th or penalties and interest will begin to accrue.

About the Author

Joshua Katz, CPA, is the founder of Universal Tax Professionals, an expat tax and accounting firm dedicated to the needs of Americans living abroad. Feel free to email Josh directly at [email protected].



Applying for Disability Benefits – The Initial Process

There are certainly multiple steps to go through to complete a disability application. For the process to move forward smoothly and accurately, you have to make sure that the information on the application is accurate and nothing is missing before you submit it.

There are a number of important questions that will be asked on the application including how you would describe your disability (physical or mental), current or previous medications, doctor information, and how the impairment affects work.

These questions are fundamental to the overall application and must be completed carefully and accurately. Even questions about as marital status and minors living in your household will be asked of you at this critical step in the process. Considering consulting a Social Security Disability Attorney may be advisable.

After the application is submitted, it will be reviewed for completeness. Any current work history will be reviewed, and it will verified to make sure it meets basic requirements. If your application meets all aforementioned requirements it will be sent to the Disability Determination Services (DDS) in your state of residence.

Next, the DDS office that receives your case will assign it to a DDS examiner for review. The examiner will use information provided in the application to fill out a Residual Functional Capacity (RFC) form and determine whether you meet the disability criteria.

Once a determination is made by the examiner the case will then be sent back to the SSA. At this point, if the application is approved and benefits are awarded, then the benefit amount will be determined and the benefits will be scheduled for release.

If the application is rejected and the applicant is not found to be disabled, the file is kept at the local office in case an appeal is filed.

Why You Should Consider Logbook Loans in the First Place

It does not matter whether you are saving some portion of your salary in a savings account or not, there are times when things go out of control. For example, medical emergencies are occasions when you have to take out all your savings and if matters are critical, you end up borrowing money from here and there. Even having a pet is enough to cost you thousands of dollars because if something goes wrong with the pet you will either have to lose this loved one or if you get your pet insured, you will have to pay premiums for the insurance.

Among many different methods for obtaining money to meet your urgent and emergency needs, there is one called logbook loan. Logbook loan is probably the easiest of loans to understand. The loan is obtained against the logbook of your vehicle. The logbook gives the proof to the lender of the loan that you are the owner of it. Once you have proved your ownership of the vehicle, these ownership documents are kept by the institution giving you the loan. Against this transaction the loan is forwarded to you in the form of a cheque mostly and cash rarely.

In short, you have given your vehicle to the lender in exchange of money you got as loan. However, that’s not exactly the case with this type of loan. In reality, you will only give the ownership documents of your vehicle and still keep the vehicle. In simple words, you will have the loan amount in your hands and also your vehicle that you will be using just like you did before you obtained the loan. However, if you fail to give the loan back then your vehicle’s ownership that rests with the lender will be used to take the vehicle from you.

This type of loan is often obtained by people who don’t have a good credit score and their vehicle is the only thing against which they can obtain the loan. The loan requires the transfer of ownership of the vehicle to the lender. These lenders can be found on the street or you can use the online method to get this type of loan. The amount that is forwarded to you against your vehicle is mostly the half of what your vehicle is actually worth. However, the interest rates on this type of loan can be quite high so it is best to know them before obtaining the loan.

There are some lenders who will still check your credit and might decline the loan but institutions like ELogbookloan are greatly helping people in making this type of loan easy. For example, they can make their payments earlier without being charged any penalties for doing so. Their weekly installments are very affordable and there are no admin fees involved in the whole transaction. With duration of the loan at 3 years, it is quite easy for borrowers to return the loan at their ease and with very easy weekly installments.

Guide to Hiring a Employment Lawyer

Guide to Hiring a Employment LawyerYou can hire an employment lawyer to get things right if you believe you have been treated unfairly in your workplace. Not doing anything about the issue you are facing at work is your own lost. Your employer will not be willing to settle the amount you want even if you submit a dispute to him. They will will try to make you settle for a significantly lesser amount just to close the case. The best thing is to not approach the employer yourself and sign the settlement claim but first seek consultation from a lawyer.

The Troy MI Employment Lawyer can help you if your employer harass or bully you for example, spread rumors that are not true, picking on you or not giving you the training opportunities you deserve. Bullying or harassment that occur by email or phone is also counted in the employment law. You may want to file a claim to your employment attorney if you feel your employer has discriminated you in work including age, race, marital status, and disability. If you recently lose your job because of an unfair termination, the employment lawyer can also help you with that. In addition, you can get help from a employment attorney if you feel you are deprived of the benefits you deserve according to the contract you have with your lawyer.

Although you can submit the claim yourself, it is best to hire a lawyer to represent you in this matter. This is because they are trained in this field and familiar with all the employment laws in the state and federal laws. The attorney can help you to reach a favorable settlement through a bargaining negotiation with the employer. Your attorney can review the difficult situation you are in and let you know the issue you are facing. He can review your contract and determine whether your employer has broken the term and help you get back the compensation you deserve.

When meeting with the lawyer, you need to provide a complete story about what have happened so that he can figure out ways to help you. Often, you will be asked to fill out questionnaires so make sure you give the best answers. You should also inquire about the fee structures so that you know how much you are expected to pay. The fee structure will vary across different lawyers so be sure to do research and compare rates with at least 4 – 5 lawyers. You get what you pay for so don’t go looking for cheap lawyer as they may not be competent and cause you to lose the case. Employment cases are not easy to win so you want to hire a good lawyer to help you get as much compensations as possible for the damages.

If you think your employer has violated the guideline in the employment law, you should quickly seek consultation from a qualified workplace lawyer. Delaying will prevent you from being able to recover the damages from your employer.