Why Hire a IRS Tax Debt Relief Lawyer Houston 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 IRS Tax Debt Relief Lawyer Houston 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 IRS Tax Debt Relief Lawyer Houston 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.
Car Accident Instructions for Injury Claims
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.
How to Cure Ankle Injuries
Workplace accidents can have a devastating effect not only on the life of the victim, but the family members as well. Millions of work related accidents happen across the world every year in which innocent workers get hurt and suffer losses. There are many different types of jobs which are dangerous by nature and this means that it is important to ensure the safety of employees. Other jobs although may not be too dangerous, but, employers still have a duty to ensure the well being of their staff.
Work injuries are common, but as a worker, it is important that you understand that there are rules which have been designed to protect you from workplace hazards as well as assist you if you have been injured whist at workplace. This means that workplace injuries and accidents should not occur in the first place, but if they do happen for which the employer or another person is responsible, then you may be in a position to make work injury claims.
There are thousands of injury lawyers who will be happy to help you with your claim without any cost to you. This is possible because these injury lawyers will recover their fees from your opponent if the claim is successful. To make a work injury claim, ensure that you have legal representation. Work injury lawyers know how to deal with big insurance companies and how to help you bring up a strong work injury claim. They also know how to maximise your compensation claim so that you recover a high level of compensation.
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Occupational Noise and Industrial Deafness
The bronchi make the connections between the lungs and the windpipe. They are lining of your bronchial tubes and allow air to flow into your body. These bronchi can get infected, or inflamed making it harder fro air to travel to the lungs. This condition is called bronchitis.
Apart form making it very difficult to breath, the inflammation of the bronchi can also cause mucus in the airways, or phlegm. There are two types of bronchitis: acute and chronic bronchitis. There can also be another type of bronchitis, but only in people who suffer from asthma.
The first type of bronchitis, the acute one, can develop from a cold that you might suffer and usually lasts a week at the most. It can also be caused by viral infections. It is accompanied by cough, pain in the middle of the chest and sometimes even fever. When suffering from acute bronchitis, one might experience some shortness of breath, but very little and fro short periods of time.
As bad as it all sound, things are not that bad. A case of acute bronchitis usually lasts only a few days. The cases that are more severe can also produce chest pain. Chronic bronchitis has very minor symptoms and it can be easily treated. There are cause when the symptoms may get worse over the years and even start to threaten once' s life at some point, but these are rare cases.
Refinancing Your Home With Bad Credit or a Bankruptcy in Texas
Product liability refers to an area of law that involves an injury as a result of the use of a product. When someone uses any kind of product that turns out to be defective and becomes injured because of it, that person can file a lawsuit against those who made the product.
Those who are liable or responsible for the injury would be the defendants in the lawsuit brought by the injured party. The responsible parties could be the manufacturer of the product and/or the manufacturer of parts that make up the product. Responsible parties could also include the store where the product was purchased or the wholesaler/distributor/supplier of the product. All of these potential responsible parties may be named in a product liability lawsuit.
A very high profile product liability case has been in the news regarding Toyota cars and defective accelerator and brake pedals. In Toyota's case, the cars with the defect were recalled so that no one else could buy them and become injured as a result. This is common with widely distributed products that are found to be defective in some way. According to the U.S. Consumer Product Safety Commission, 200-300 products are recalled every year. The majority of these product recalls are children's toys, clothes, etc.
A product's defect may be a result of the design, the manufacturing, or even the marketing of a product. In the case of a design defect, it exists from the very beginning before the products were made in the factory. Manufacturing defects take place when the products are actually being produced. In that case, only some of the products may contain the defect, while a design defect will affect every one of the products that was released from the factory.
A legal term called "causation" comes into play in product liability cases and can be very complicated. In order for you to obtain a settlement from a product manufacturer for your injuries, you must be able to prove that your injuries were caused by a defect in or of the product. Sometimes, the defect may be only partially responsible for your injuries or may have been an indirect cause of your injuries. If there was more than one cause of your injuries, it must be determined how much the product's defect is responsible. Most importantly, it is your lawyer's responsibility to prove that the product was defective when you purchased it.
Sometimes, a product liability case may involve lots of injured people. These are often called "class action" suits, and the plaintiffs are the many people who have been injured as a result of the defective product. Product liability claims may also include exposure to toxic chemicals or substances, such as asbestos.
Product liability laws are not nationwide but vary from state to state, and these laws can affect your lawsuit. They may restrict the amount of money you can receive in your settlement, as well as the amount of time you have to file a lawsuit after the injury has occurred. This is called the "statute of limitations," so lawsuits should be filed as soon as possible to make sure that you don't wait beyond the time the law allows.
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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.
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In today's day and age, investing in property is one of the best investments. It's a smart decision which can reap you rich benefits in the future. But it is very important to secure the future of your property as negligence can leave a huge dent in your pocket. Here are some ways that can ensure a good future for your property:
Buy at a cheaper rate - It is said that one makes more money when he/she buys than when he/she sells. But buying at a cheaper price is a great way to curtail risk. Well, the reason behind this is very simple. You invest less capital, gather fewer liabilities, and you set yourself in a position to grab a higher yield as compared to the purchase price. This stands true for property investment too.
Ensure an updated will - You should have an updated will. This is to ensure that your assets are distributed as per your wish. This gives you great piece of mind and there is crystal clear clarity in terms of who gets what from your property.
Guard against inflation - Countries around the world are printing money to raise economic growth. It is very important to realize the boon of income producing real estate as a barrier against inflation. Generally when inflation occurs, the price of real estate will also rise. So you can use this in your benefit.
We all want our property to be safe and secure and be a great investment asset. The above few steps will ensure just that. Happy investing in property!