Why Hire a Divorce Lawyer Austin with a similar background to yourself: Asian, Chinese, Philippine, Vietnamese, El Salvador, Guatemalan, Canadian, German, Latino, Mexican, Spanish, Italian, Japanese, Russian, Greek, Romanian, Cuban, Korean, Indian, Hispanic, American, Foreign, Protestant, Catholic, Jewish, Hindu, Muslim, Orthodox, Mormon, or Buddhist?
If you do you will need a lawyer. The trouble is there are several thousand Attorneys out there just on the internet and the choice in finding a Divorce Lawyer Austin appropriate for your case becomes more difficult. When you are trying to find a representative there are a few guidelines you will want to follow. Below you will find out how to choose the appropriate lawyer for your needs.
When trying to find a lawyer you first must understand the case you have. Some cases are very easy to determine, for instance those who have been in an accident often have personal injury needs. Those with problems at a hospital with a medical condition will have a malpractice suit and on and on. Once you have determined the type of representative you need, finding a lawyer becomes a little easier.
You may have a general practice representative or someone you have dealt with in Divorce Lawyer Austin law. Most of us know someone who has had a attorney in the past. In this case you can ask the person for a referral. If you have a business lawyer you can ask them to recommend someone in the field of expertise you need. They will often have at least one name for you and a few to keep away from. Those who have worked with lawyers such as family or friends will also be able to give recommendations. They may say you don’t want this person or that their associate can help you. In either case you are better off to ask for a referral in finding a lawyer rather than other options.
The key to finding a representative that will help you out is knowing as much about them professionally as possible. You want to understand how many years they have practiced and what their specialty really is. Other wise you may find someone who is more out for the gain they will get rather than the gain you will get. When you deal with finding a lawyer, ask them their policies. Kind of interview them during the course of the conversation as well. Some will not charge unless the case is won, while others will charge a small fee during the entire process. It will depend on the case and of course your representative.
Common Causes of Deafness and How You May Be Able to Prevent It
Negotiations with creditors have failed. Repossession is imminent and foreclosure proceedings have begun. Your income is simply not sufficient to pay your bills, no matter how low the payments are. It may be time to consider bankruptcy.
Bankruptcy law evolved as a reaction to the abuses surrounding debtors prison. Before the nineteenth century a prison system existed for those who didn't pay their bills. If a merchant filed a claim, the debtor was incarcerated until his debts were paid. (Women were not found in debtor's prison, not because of chivalry but because they did riot have the ability to borrow). The lender was legally responsible for the expenses of the prison stay, including food, but seldom paid. After all, a debtor would have to sue in order to enforce this law, and it was rather difficult to sue when in prison. As a result, many borrowers languished in prison for years, surviving on what their family could bring to them or, in many cases, simply starving to death. Although some lenders would doubtless not object to the renewal of debtor's prison, fortunately we live in more enlightened times. Bankruptcy was created to provide a second chance (or third, or fourth) to those hopelessly in debt It provides a mechanism to wipe the slate clean and begin anew. As times have changed, though, so has the bankruptcy code. Not all debts can be wiped out. The proceedings can be easily disqualified in the event of improper procedures. There are many things a debtor should know before resorting to bankruptcy.
The Bankruptcy Decision
There are two kinds of individual bankruptcy: Chapter 7 and Chapter 13. Chapter 7 bankruptcy, named for the chapter number in the bankruptcy code, requires a full liquidation of all debts and cancels all no-exempt debts. Chapter 13 bankruptcy is essentially a court-mandated payment plan that sets up affordable monthly payments to your creditors,
The decision to declare bankruptcy is not an easy one. Unfortunately, many bankruptcy attorneys recommend bankruptcy to just about anyone they consult with. All too often frightened consumers are advised to declare bankruptcy just to avoid a few debts. This is a mistake. Bankruptcy should truly be a last resort as the legal system meant it to be. A bankruptcy appears on your credit for ten years, and although lending criteria are slowly changing, many lenders will not even consider an applicant who has had a bankruptcy. What's more, a Chapter 7 bankruptcy can cost you most of your property. Before making a decision to declare bankruptcy, estimate how bad your situation really is. On a piece of paper, make a list of all your assets and the approximate value they could be sold for. On the other side, add up all of your debts. If the debts exceed the assets by a large percentage, you may wish to consider bankruptcy. On the other hand, if it seems that your situation may improve (you may get a new job or a second income), or if your assets are of greater value or close in value to your debts, a different approach may be appropriate.
Negotiate with your creditors
Explain your situation and ask for more time to pay. If the creditors refuse and continue to threaten garnishment tell them such action would force you into bankruptcy. No creditor wants to hear the "B" word. Using bankruptcy as a threat is a very powerful negotiating tool, confronting creditors with a choice between getting a little each month or probably getting nothing through bankruptcy. Don't try this tactic on secured creditors. They may decide to repossess your property to avoid having to go through court.
Contact Consumer Credit Counseling
As mentioned earlier in the book, Consumer Credit Counseling is a non-profit group funded by creditors to help consumers negotiate repayment plans. It is often able to negotiate payment arrangements better than the individual because of its constant contact with a variety of creditors. If you can't negotiate a satisfactory arrangement, give these people a try. Remember, the fact that you are using credit counseling may appear on your credit record.
Consider Chapter 13 bankruptcy
This kind of filing allows you to repay your debts in a court-mandated fashion and will appear on your credit record for only seven years, If negotiations fail or there simply isn't enough money to make ends meet Chapter 7 bankruptcy may be your only option. Bankruptcy does not necessarily discharge all debts. If your debts are exempt from bankruptcy, filing will do very little to improve your situation. If a co-signer was used, the debt would then be owed by the co-signer, unless that person also declared bankruptcy. In community property states a spouse's assets and debts would also be included in the bankruptcy, assuming they are community property. Consider all very carefully before deciding to file.
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy
Certain kinds of debt cannot be automatically eliminated by bankruptcy filing. They must meet certain requirements before being eliminated by bankruptcy. If most of your debts are non-dischargeable, bankruptcy may not solve your financial dilemma. The only ways a non-dischargeable debt can be eliminated through bankruptcy are through an exception being granted by the court, a certain period of time transpiring since the debt was due, or because the creditor does not object to the discharging of the debt. Certain debts can only be discharged by an exception. They are:
The Filing Process
All the appropriate papers can be obtained from your local bankruptcy court. Consult the yellow pages under Government Services (usually in the beginning of the book) for an address and phone number. The court allows you fourteen days from the date of an emergency filing to complete the formal process. If Chapter 7 bankruptcy is being filed, you will need to send in the following forms after you have received them from the court:
· Statement of Financial Affairs.
· Schedule of Current Income and Current Expenditures.
· A schedule describing your debts.
· A schedule describing your property.
· A schedule listing exempt property.
· A summary of the above schedules.
· Statement of Intention in regard to your secured property and what you intend to do with it
· Statement of Executory Contracts describing contract that will need to be fulfilled, such as auto leases.
· Bankruptcy Petition cover sheet.
· Mailing addresses of all creditors.
· Any required local forms.
A fee will also be assessed, usually $90, due at the time of filing. The court will usually accept installments of a four-month period. An application for installments must accompany the petition.
After your petition is filed, a meeting of the creditors will be arranged. The court appoints a trustee to preside over the meeting and to be responsible for the liquidation of assets. With most smaller bankruptcies, only the person filing and the trustee will attend. The trustee, who is usually a local attorney, will ask several questions about the information on the bankruptcy documents. Call and ask the court clerk what papers you will need to bring (usually financial statements or sometimes even tax returns). If a lot of property is involved, especially if it is nonexempt, property, your creditors may show up to protest any exemptions. They may also attempt to grill you about your intent to pay the bill or about lying on your application. Answer truthfully and there shouldn't be a problem.
If the creditors' attorneys become abusive, demand a hearing before the bankruptcy judge before the proceeding goes any further. If the creditors object to any of your exemptions, they have 30 days after the creditor's meeting to file an objection with the court. The court will schedule a hearing and you will be given the opportunity to respond, although you don't have to. A creditor may also try to claim a debt as non-dischargeable because of fraudulent acts, a @ or malicious act, or embezzlement or theft. He can only accomplish this if he successfully raises the objection within sixty days of the creditors' meeting. To defend yourself, you or your attorney will have to file a written response and be prepared to argue your case in court.
Once all the requirements have been met and your intentions have been made clear, the court can declare the bankruptcy discharged. No formal hearing will be held unless you have chosen to reaffirm your debt in which case the judge will want to be sure that you understand what you are doing. After this time, provided the creditors do not raise any objections, the dischargeable debts are erased.
Picking Up The Pieces
Bankruptcy was once the lowest disgrace that could befall someone. Today, however, it is commonplace. Corporations declare bankruptcy to get out of contracts or avoid legal judgments. Individuals rely on it to protect them from a society that extends credit too quickly.
Bankruptcy does not mean that you will automatically be denied all credit for ten years. In fact, many firms look at bankruptcy as a responsible way of discharging debts when there is no other way out. Creditors fear bankruptcy, but they also realize that if they lend to someone who has declared bankruptcy, they need not worry about another bankruptcy for seven more years (you can only file once every seven years). If you happen to have a good explanation for the bankruptcy, such as medical bills, divorce, or some other catastrophic event, a creditor may be willing to overlook it and extend credit. Ask potential creditors about their policy toward bankruptcies. Their responses may be surprising.
Florida Auto Insurance Laws - FL Car Insurance Laws That You Need to Know
Jeremie Aladiere, the Middlesbrough star football player has recently been laid up for eight weeks with an ankle injury. He is just the latest in a long line of casualties to suffer from an ankle injury, the most common of all sports injuries.
Why is the ankle so incredibly vulnerable to sports injury? It is more common in sports that involve a 'side to side' movement rather than a 'straight ahead' action. This includes football, rugby and all court games, such as tennis, basketball and squash, as well as athletics.
Running on level ground is unlikely to result in an ankle sprain - but if you take part in cross country running, you should watch out!
In fact, ankle sprains are so common that it is estimated that around 25,000 ankle sprains happen every single day in the USA.
One of the most worrying aspects for sports people is that once you have had an ankle sprain, you are very likely to have another one, as the ligaments never recover their original strength! The percentage figure for re-injury is really high, even as much as 70% amongst people who play basketball. It really is the most aggravating of sports injuries!
As the sports injury continues to heal, your doctor will recommend particular exercises, such as side to side activity and circular movements. You will not be ready to go back to sports until you can walk down the stairs without any pain or hop on the affected foot four times without experiencing any pain.
Once you have suffered an ankle injury and all the pain and inconvenience it can bring, you are bound to want to do everything possible to avoid re-injury.
It is a really good idea to wear an ankle support to increase the chances of injury prevention and keep your ankle safe in future. Ankle supports are the kind of product that are often never considered until it is too late and there has already been a sports injury.
However, by taking a proactive approach to injury prevention and using an ankle support or ankle brace, you can help reduce the risk of having to sit on the sidelines.
Need advice: Divorce Lawyer Austin ?
If you are trying to get child custody, you should learn that there is more than just one type, so you will have to specific. Just because you have one type of child custody does not mean you have another, so it is important that you know the differences, especially before approaching a divorce lawyer. Learn the main types of child custody before you start your case.
This is the form of child custody that most people refer to during divorce because it determines which parent the kids live with. In many cases, physical custody is shared equally between both parents. This is referred to as joint physical custody, and it usually works best when both parents are willing and able to care for their kids at least half the time.
In this case, you are encouraged to keep any documents that would support your argument. For example, if you believe a certain school would be best for your children, and your ex disagrees, you should gather evidence to support your case. Your divorce lawyer can help you with this task, and can also answer any questions you may have about the different types of child custody.
5 Tips on Texas Bankruptcy Law
Workers' compensation laws are designed to ensure medical coverage for employees and limit liability to employers for on the injuries. Every country in the western world has industrial compensation laws. Also known as workers' comp or workman's comp, this system provides, at a minimum, medical treatment and time loss benefits for employees who are injured in the course of their employment.
Industrial insurance laws vary from state to state. Most states permit private insurance companies to sell workers' compensation insurance to employers. However, some states have a public compensation system or a hybrid private and public system. State and federal laws vary, but typically when an employee is injured on the job, he or she files a claim with the employers' industrial compensation insurer or the state agency that administers industrial insurance claims.
There are different workers' compensation laws for different types of occupations, injuries or employers. Federal government employees, military service members, and those employed in longshore, harbor work, seamen, coalmining, fishing, fish processing, nuclear energy, and railroad occupations all have separate industrial compensation laws. Some occupations, such as agricultural workers, may be excluded from industrial insurance laws.
Grants vs. Contracts
In 47 of the 50 United States, it is illegal to take a car onto the road without auto insurance. Compulsory insurance laws protect the public from the expenses of injuries and property damage resulting from a car accident. The states that require auto insurance set minimum amounts of coverage that guarantee that medical costs and property damage caused by the insured in case an accident is judged to be the fault of the insured. Another name for compulsory insurance is liability insurance.
If you carry compulsory insurance and are judged to be at fault in an auto accident, your car insurance company will pay the medical bills and lost work time and other damages for the other driver and passengers in both his car and yours that are not immediate blood relatives. The minimum compulsory insurance varies from state to state, but your insurance agent will be able to tell you what minimum amount you must carry in order to drive you car on the public roads.
Most insurance agents recommend that you carry a greater amount of insurance and coverage other than what's strictly required by your state. Often referred to as 'comprehensive' coverage, it will include:
Personal Injury Protection, which will pay medical expenses and reasonable work and living expenses for lost job time due to an accident, no matter who was at fault.
Travel, towing and glass replacement that results from causes other than an auto accident.
Usually, if you take out a loan to purchase your car, the bank will require that you purchase and maintain comprehensive insurance on your vehicle until your loan is paid off.
Can I File For Bankruptcy For Free?
A Will is a written document, generally prepared with the help of an attorney (although not essential), that provides instructions for the disposition of a decedent's (dead person's) property. The term "Last Will and Testament" is simply a more complicated name for a Will. The personal representative or executor of the will has the responsibility of executing the will and distributing the assets of the deceased according to the will.
A wills and estate attorney is one who can draft the will and guide the personal representative or executor in the execution of the will including:
· Locating and securing both probate and non probate assets
· Obtaining date of death values and appraisals of all of the decedent's property
· Collecting life insurance proceeds
· Rolling over and making appropriate elections with regard to retirement plans, including IRAs and 401(k)s
· Advising on the payment of the decedent's final bills and outstanding debts
· Keeping track of the estate checking account
· Determining if any estate and gift taxes will be due and, if so, then figuring out where the cash will come from to pay the taxes
· Addressing income tax issues
· Settling disputes among Personal Representatives/Executors and beneficiaries
· Assisting with the sale of estate property
· Requesting court permission for various actions as required by applicable state probate laws
· Retitling the decedent's assets into the names of the estate beneficiaries
· Preparing and filing all documents required by the probate court in a timely manner
Generally speaking, there are basically two types of wills and estate lawyers: those who handle the administrative side of probates and those who represent clients in fights over who gets the estate. Some lawyers do both, but most of them tend to specialize in one area or the other.
Information About Business Lawyers
Every business owner makes mistakes. Even the best CEO makes the occasional mistake that might cost the business losses in money or in opportunities. The last thing a business owner wants to do is subject his personal wealth and financial future to the liabilities of his business.
Missing a payment for your inventory should not subject your personal bank account or the college funds of your children to collection actions from your creditors. However, these business entities solves this problem. Among the entities to choose from are:
- Limited Liability Companies
- Limited Partnerships
- Limited Llability Partnerships
Incorporating your business is fairly simple, but if done wrong may eliminate your liability protection. A incorporation law firm can prepare your incorporation documents so that you are able to enjoy the limited liability you need while being able to operate your business the way you want.
An incorporation law firm can point you in the right direction and guide you through the process of incorporating the best business entity for you. The right entity can start your business off on the right foot and put you on the road to success.