Perhaps in response to these economic times, the media seems to be full of various companies offering people ways of getting rid of their debt. These advertisements are often accompanied with pictures of people who have supposedly gone through the process, and are now living wonderfully carefree lives.

How about “possession free”, or “house free”, even “marriage free”?

For obvious reasons, they feel that the consequences of bankruptcy are best kept hidden from prospective clients.

Filing for bankruptcy is not something anyone should normally do, at least that’s possibly the best way to regard it. Particularly the easy come, easy go nature of some of these financial companies. Remember, they make money, you lose it!

However, at the end of the day, many people do explore all options and still find that they have reached the end of their financial road, and bankruptcy is the only option left open to them

If, after exploring all the alternatives, bankruptcy appears to be the only option, then all the alternatives within bankruptcy itself should be explored. This would also include consideration of a chapter 13 filing.

13 bankruptcy is basically a repayment plan. Debt repayments are rescheduled allowing the business or individual to catch up over a 3 to 5 year period. One of the advantages of chapter 13 is that no assets are sold to pay their creditors.

By contrast, the more popular chapter 7 bankruptcy is, in effect, a liquidation of assets, with the proceeds being used to repay one’s creditors as far as possible. After all the relevant assets have been sold, and the proceeds split amongst the creditors, any outstanding debt that remains is no longer the responsibility of the debtor.

The 2005 Bankruptcy Abuse and Consumer Protection Act makes it compulsory for every chapter 7 applicant to be means tested. This is to ensure that all debtors are paid as far as possible, and if the court finds that the applicant can, in fact, under a repayment plan, pay all their outstanding debt, chapter 13 will be enforced.

So if you find that you simply can no longer afford to make all the monthly repayments you are scheduled to make, and you are going backwards financially, then bankruptcy may be the relief you need. But consider every other avenue before proceeding with this option.

Bankruptcy is never easy, in spite of what you might see on TV. It also has long term effects. However, if you want more free information on bankruptcy, especially chapter 13 bankruptcy law visit www.chapter13bankruptcylaw.net.

It is not a secret how Canadians love to shop using their credit cards. Whether its debit or credit, it doesn’t make a difference for as long as it’s a card and is accepted by all business establishments. If you’re the type of person who knows how to control spending habits then there’s no problem at all. The reality though, is that many of us love to spend without dwelling much on the repercussions of acquiring material things through debt.

In their subtle ways, these financial institutions are pretty assertive in going after their customer’s money. Despite this, most card users do not pay much attention to these matters. One third of Canadian credit card holders aren’t able to pay banks in the interest-free period. This results in penalties like higher interest rates. At present, $50 billion is charged to Canadians due to the growth of interest due to credit card debt.

Lending firms have become more vigorous in luring potential customers, as well. Some promotions are clever baits. When a company offers a low interest rate to encourage customers to move their credit balance to another financial institution, this rate doesn’t usually last. Let’s say it will only last for six months. After that, a much higher rate will be imposed. Another scenario might be when the rate is kept low but as soon as the customer gets delayed in payment, it suddenly shoots up. Also, customers can be penalized to carry the additional interest for months when they are late in payment.

Credit card companies are also at liberty to increase their customer’s spending limit without having to ask them. If the customer is not careful, he or she might run the debt so high that it would take him or her years to pay the principal and interest. It always pays to double check all financial activity whether it comes from your end or the bank’s. In peak spending seasons, like the holidays, it is common to receive cash vouchers from these companies. However, this isn’t free. When these vouchers are cashed, they automatically become debt which will be added to your credit card. Most customers end up spending more than what they intended to. V:13

Delayed payment incurs penalty, always. If you neglect to pay off the credit card balance in the allotted grace period, chances are all your purchases for the next two months will be charged with the higher interest. Some companies will also raise your credit limit without asking customers. People keep on spending thinking that they are still way below their limit, when in fact there is already a new one that is higher. Time and again, the customers unwittingly borrow more than they can afford.

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Personal injury situations arise with surprising regularity, and when they do, it can be difficult to decide how to proceed. Those who have been injured may immediately think of the advertisements they’ve seen and heard regarding how ‘simple’ it can be to obtain a settlement or some other form of recovery, but the truth is that anyone who faces this scenario needs to seek the help of an experienced Las Vegas personal injury attorney. Below you’ll find an overview of why this is the best course of action for those who have been harmed.

Injured People Need to Focus on Recovery

When someone is injured, he or she is in physical pain and is also potentially suffering psychologically from the trauma of the event. This alone is a formidable challenge to overcome, and adding the stress of dealing with insurance companies, medical bills and defense attorneys is not advisable. Therefore, obtaining the help of a Las Vegas personal injury lawyer will allow someone who has been injured to focus on his or her recovery and to leave the legal process to a professional who understands how to work towards a solution.

A Las Vegas Personal Injury Attorney Can Explore a Settlement

It’s common for personal injury situations to begin with the exploration of a possible settlement of the claim that’s either about to be filed or that has recently been filed against the defendant. However, settlement negotiations are tricky, technical and can be extremely complicated. Someone who is injured and who does not have a legal background could face a difficult task in securing a fair settlement without the help of a Las Vegas personal injury lawyer. In addition, some cases will not lead to a fair settlement, and professional experience is necessary in order to determine whether a settlement is possible or whether it’s necessary to proceed to trial.

A Las Vegas Personal Injury Lawyer Can Prepare for a Trial

Even if it’s possible to secure a fair settlement, any good Las Vegas personal injury attorney will prepare for trial as if a settlement will not be reached from the beginning. This involves handling the discovery process, preparing witnesses, organizing evidence and handling the pre-trial hearings that are almost always a part of this process. Trial preparation takes years to perfect, and someone without this experience will be facing a steep hill to climb.

Generally, those who have been injured need help. Seeking and obtaining this help will only free that person to deal with his or her injuries, which is plenty to handle. Therefore, if you or someone you love has been harmed by someone else, contact the Las Vegas personal injury lawyers at Jack Bernstein & Associates today to schedule a free initial consultation.

Bernsteinslaw is an experienced Las Vegas Personal Injury Lawyer firm which handles car accidents. Call us to hire a Las Vegas Personal Injury Attorney for injury claims, free consultation and representation and information on personal injury law.

If you are trying to find the right rehabilitation clinic for your loved one the odds are that you are going to be faced with two key choices: those choices being whether you want your relative to be treated in a religious clinic or in a secular rehab. Even though both can provide a recovering alcoholic with the medical attention that they need to overcome their addiction there are key differences in other elements of the rehabilitation process.

In secular rehab the main priority of the recovery process is the physical side of things with the main concern being that a person can fully remove the dependency which the body has on alcohol.

An interesting statistic is the fact that an alcoholic who goes to a secular rehab for their recovery is more likely to fall into their alcoholic state at the conclusion of their rehabilitation. This is known as a relapse by industry professionals one of the worst things which can happen to an alcoholic.

When a relapse occurs the image that the alcoholic has of themselves can worsen. In some cases the amount of alcohol which is being consumed can also increase dramatically. Opting for an alcohol Christian rehab clinic in the first place can prevent the horrible feeling of relapse with the selection of the right rehabilitation treatment program important. Choosing the right program can optimize how well the alcoholic progresses in their recovery too.

So why is an alcohol Christian rehab so good To start the rehabilitation clinics place a focus on counseling that non-denominational clinics simply do not have. Here the priority is for an addict to develop in a personal and a spiritual sense in addition to a physical sense.

The teachings of Christianity which are provided to recovering alcoholics are also done in many different mediums meaning that the likelihood of there being one medium which appeals to an alcoholic is high. Some of the methods used include sessions of prayer Biblical study and frequent visits to chapels. An addict can proceed to find that they enjoy a certain element of their care and if this is the case then their treatment program can be optimized in order to ensure that their treatment program suits them as much as possible.

Regardless of where you go the care which an alcoholic would receive would be second-to-none. However taking the opportunity to learn more about Christianity can be insightful for a recovering alcoholic: and if they do not apply what they learn into worship there is no reason why they can’t use the lessons of the Bible in everyday life.

In a world that is all about medicine there can be very little which can be more effective than faith. Should a recovering alcoholic have it they can find that they have a support mechanism for others to envy: someone to talk to 24 hours a day and seven days a week someone who will listen to them.

The three Keys Parts to Mastering Army Combatives

Perhaps if our ancestors had our modern army combatives program the outcome of several wars might have been different. Fighting is a part of mankind. Without it we would probably be extinct or eaten by the dinosaurs. Combatives are hand to hand fighting techniques and tactics – the building blocks for today’s soldiers. There are 3 keys components to mastering moddern army combatives.

Today’s combatives programs are based on fighting systems that were used over a thousand years ago but updated to meet today’s standards. If we went back in time we would see that fighting hand to hand is a human physiology that has not changed in all this time but is being made more efficient. Different times and different places require different techniques.

The history of modern army combatives started in 1995 with the Commander of the 2nd Ranger Battalion. The Commander saw the requirement for specialized training. Through the years, this training spread to all armed forces combatives and today you’ll find combatives programs in all military regimes. Most all of them teach the 3 keys to mastering army combatives.

Key number 1 is to come together as a team and ensure the complete team is working for the same goal. The term “Es Spirit De Corps” means the common spirit of comradeship, devotion, and enthusiasm to all the members of the group or team. All team member working together for the good of the team. After you have that down the rest will fall in place.

The 2nd key is fitness. How can you possible fight if you’re not at your peak performance? It doesn’t do to just take the classes in the combatives programs, you have to take it one step further and keep your body in shape by having a routine you do everyday or visit a gym and focus on your fitness. This is a must because just like everything, if you don’t use it, it won’t work when you need it.

The next key is aggressiveness. There are a number of aggressive forms in humans such as physical, mental, or verbal. Unlike predatory behavior between two species, aggressiveness should not be mistaken for assertiveness such as an aggressive salesperson. Another word for aggression is called combativeness and that refers to the behavior of the same group or type of people who intends to harm you or cause you pain. Aggressiveness in combatives is knowing when to get out of the way before the other side gets you.

There are four levels in army combativesand as you master each level you’ll progressively move up to the next level. There is no “silver bullet” or even one way of doing combatives. As you master each level you learn how to incorporate that training when you go on to level 2 combatives and so on. If you want, each level will prepare you for army combatives tournaments so you have the confidence when if comes down to real fighting. Combatives programs will continue to grow as new and better fighting ways are introduced. You’ll have faith in your ability through your hard training and know you’re going to win.