When someone is considering filing for bankruptcy, chances are that they aren’t thinking of all the repercussions that they are going to have after it’s over. Here are negative affects of filing for bankruptcy.
No say in how much you will have to repay to your creditors, since the decision isn’t in your hands any more.
Loss of assets or treasured items, such as your house or car, or even your business if you are business owner. Payments to repay creditors can be garnished from wages for as many as five years. Consumer debtors have to attend credit counseling within the first six months after they file for bankruptcy. Debtors have to finish an education in personal financial management before they are able to get a discharge.
If it’s a chapter 13 bankruptcy, it will be your personal credit report for 7 years, if it’s a chapter 7 it stays on for 10 years.
When someone is considering filing for bankruptcy, they need to think about the negative affects of what they are doing and ask themselves if there isn’t a better way to help themselves out of a financial mess. Chances are that there is, they just have to do some research and ask for some advice from other people. Credit counseling is a good place to start. Bankruptcy is not the only option that they have to go on.
It pays to get multiple opinions before you end up filing. Bankruptcy stays on your record for 10 years, so you need to go into this knowing everything in advance.
Friday, December 11, 2009
Tuesday, December 1, 2009
Public Criminal Background Check - How To Get The Most From Public Background Checks
Doing a public criminal background check today has become part of the landscape that is society. With the resources of the internet now at a person's disposal this type of recognassaince is pretty much at the fingertips of most people with a computer.
However, getting the entire picture is proving to be a barrier because you can access information in bits and pieces but much of it is not interlinked which can make searching a long experience and a frustrating one.
So conducting a public criminal background check is a good plan of action if you need to check on a new employee, a flatmate, on online date you're meeting or just about anything which may be too good to be true. In this article, we'll lay down some guidelines in getting the most from your searches.
Public Background Criminal Checks
- You can use a search engine and input the name or address, and maybe some information will come up, but it may not be complete. It will give you a general idea if the person is a criminal if you find something, but if you don’t, then you still don’t know if you have a complete background check or not.
- This is where many amateurs make judgment errors and unknowingly employ, or become involved with a fugitive, sex-offender, or worse. There is one all-encompassing source called PACER-mainly available to the FBI and not the public. Many states and counties have their own websites where you can do a public background criminal check, but they may not have websites available for general criminal checks, just other purposes.
- You could use The U.S. Federal Prison Database to do a background criminal check on inmates, and a limited archive of past inmates, parolees, and probationary criminals. The Highway Patrol has sources to do your own background check; however, you need to know all the places an individual has been to know where to look for their background or history.
- The main thing to consider when you are doing background criminal check is that it is very time consuming to check all databases, even if you have all the information, which you probably don’t. A criminal wanting to hide their past, may know ways to keep things hidden in an employment application, dating situation, and in moving next door to you.
- The U.S. Department of Justice now requires convicted sex offenders to be registered, but usually doing a public background criminal check does not list outstanding warrants and arrests until they become convictions.
However, getting the entire picture is proving to be a barrier because you can access information in bits and pieces but much of it is not interlinked which can make searching a long experience and a frustrating one.
So conducting a public criminal background check is a good plan of action if you need to check on a new employee, a flatmate, on online date you're meeting or just about anything which may be too good to be true. In this article, we'll lay down some guidelines in getting the most from your searches.
Public Background Criminal Checks
- You can use a search engine and input the name or address, and maybe some information will come up, but it may not be complete. It will give you a general idea if the person is a criminal if you find something, but if you don’t, then you still don’t know if you have a complete background check or not.
- This is where many amateurs make judgment errors and unknowingly employ, or become involved with a fugitive, sex-offender, or worse. There is one all-encompassing source called PACER-mainly available to the FBI and not the public. Many states and counties have their own websites where you can do a public background criminal check, but they may not have websites available for general criminal checks, just other purposes.
- You could use The U.S. Federal Prison Database to do a background criminal check on inmates, and a limited archive of past inmates, parolees, and probationary criminals. The Highway Patrol has sources to do your own background check; however, you need to know all the places an individual has been to know where to look for their background or history.
- The main thing to consider when you are doing background criminal check is that it is very time consuming to check all databases, even if you have all the information, which you probably don’t. A criminal wanting to hide their past, may know ways to keep things hidden in an employment application, dating situation, and in moving next door to you.
- The U.S. Department of Justice now requires convicted sex offenders to be registered, but usually doing a public background criminal check does not list outstanding warrants and arrests until they become convictions.
Thursday, November 19, 2009
Identity Theft Help And Information Guide
Identity theft is becoming a hot topic all over the world now. Every country has been involved in solving identity theft cases. Many counters have introduced many laws regarding penalties for such crimes. Many have modified their justice books for this purpose.
It was not such a major problem in past times. But changing times and invention of newer technologies have given rise to criminals who think smarter and have greater ideas to steal something that is very personal to that person. This stealing is called as identity theft. Identity theft is not on stealing your name or anything and pretending to be you, but it is more than that.
It is about stealing that is very personal to you and making profits out of it. But now there is very frequently asked question that after any one has noticed that he/she has experienced identity theft, what next? Whom to contact? What steps to take? And what sort of help can be available.
Various help options
Main thing to do is to seek help of provider of the stolen product. If it is credit card, then always call for customer care number and ask for help. You will definitely get all possible help out there. They will block all further transactions related to that card and also activate the sensor which follows card transactions and can be detected from place where that card has just been used.
Next and most important is to launch a compliant against identity theft. It has been observed that many people don’t launch the compliant even after experiencing identity theft because of thinking that nothing can happen now. This is wrong. There have been many cases solved by police and that too very successfully. So go for department help and file your case against identity theft. Police will start further procedures of investigations and searches for suspected ones.
They also have previous records which can help out to trace if it is same case that had happened before. You can also have searches on your personal basis. You can try to remember last travel you made to place where it may have been stolen. Inform such things department and help them more. There are many other sources to take help from.
Online help
Now day’s online help is also available about identity theft. You can always refer to such help topics and get more information about such crimes. With help of such information you can always find out that are your really victim of identity theft? If yes, then what are proper and correct steps to overcome such situations? Remember, on personal level;, it can be easy to manage such thefts, but imagine such identity theft in case of some organizations.
Such cases are most complicated to solve. These cases also involve Consumer rights commissions also to some extent. These organizations help the department and government to overcome such identity theft cases. identity theft help
Can be obtained on large scale by sites hosted by national governments also and provide proper legal actions to take. They provide you with proper guide.
Thursday, November 12, 2009
What is a Living Will
Indeed, what is a living will? We might have encountered this situation before or know someone who did in the past. You might have heard it movies or in television shows but have no idea at all what it is. In its most technical sense, a living will
is a legal document issued by individuals which specifies specific course actions that should be taken concerning their health in the event that they (the person who issued the living will) are incapable of making any decisions due to illness or incapacity. Other states might have a different term for it but most often living wills are also referred to as advance health care directives, an advance directives or advance decisions. But for the sake of our discussion, let’s stick with living will.
Just for the sake of being clear, imagine yourself being in an accident and ended up in a coma. Your doctors informed your next of kin that your current situation is less likely to improve for some time. Your family would debate about your situation and would be in a dilemma whether to continue life sustaining treatment. If you have a living will, your specific wishes on these life sustaining treatments will be followed by your doctors as long as everything is legal is legal, of course.
The legality of the document will depend on the mental state of the person during the time he/she signed the papers. He/she needs to be in a sound mind and knows the every bit of consequence the document will have. The document also needs to be quite specific. It needs to cite the kinds of requested future treatments. And most importantly, a living will is voluntary. If proven that the person signed the document under duress, the legality of the living will is no longer valid.
As part of this requirement, it is imperative that your witnesses in the document are by no means related by blood, marriage, adoption or have any claims to inheritance to whatever properties you will leave behind. Even your physicians, any employee of your hospital or health facility and your attorneys for health care cannot be your witnesses. The document can be revoked anytime, however, whether you’re mentally capable or competent, does not matter. But remember that once you signed the document, it is valid until you die.
The contents of the will can be as detailed as to avoid any form of antibiotics. But at the same time it can still be quite broad like do all life sustaining treatments available during that time. This one, however, would still be based on the assessments of your medical team.
What is a living will? It is an option. It is something that you can think about today in order to make it easier for your love ones to decide in case situations called for it. Just be certain that you tell someone that you have this legal document lying around. Your health care proxy should be informed for the document is no good if no one knows about it.
is a legal document issued by individuals which specifies specific course actions that should be taken concerning their health in the event that they (the person who issued the living will) are incapable of making any decisions due to illness or incapacity. Other states might have a different term for it but most often living wills are also referred to as advance health care directives, an advance directives or advance decisions. But for the sake of our discussion, let’s stick with living will.
Just for the sake of being clear, imagine yourself being in an accident and ended up in a coma. Your doctors informed your next of kin that your current situation is less likely to improve for some time. Your family would debate about your situation and would be in a dilemma whether to continue life sustaining treatment. If you have a living will, your specific wishes on these life sustaining treatments will be followed by your doctors as long as everything is legal is legal, of course.
The legality of the document will depend on the mental state of the person during the time he/she signed the papers. He/she needs to be in a sound mind and knows the every bit of consequence the document will have. The document also needs to be quite specific. It needs to cite the kinds of requested future treatments. And most importantly, a living will is voluntary. If proven that the person signed the document under duress, the legality of the living will is no longer valid.
As part of this requirement, it is imperative that your witnesses in the document are by no means related by blood, marriage, adoption or have any claims to inheritance to whatever properties you will leave behind. Even your physicians, any employee of your hospital or health facility and your attorneys for health care cannot be your witnesses. The document can be revoked anytime, however, whether you’re mentally capable or competent, does not matter. But remember that once you signed the document, it is valid until you die.
The contents of the will can be as detailed as to avoid any form of antibiotics. But at the same time it can still be quite broad like do all life sustaining treatments available during that time. This one, however, would still be based on the assessments of your medical team.
What is a living will? It is an option. It is something that you can think about today in order to make it easier for your love ones to decide in case situations called for it. Just be certain that you tell someone that you have this legal document lying around. Your health care proxy should be informed for the document is no good if no one knows about it.
Monday, November 2, 2009
Do I need an Attorney to File Bankruptcy?
When it comes to filing bankruptcy, many people are extremely curious if this is something they can do themselves, or if they need an attorney to do so. You would think that if you have to file for bankruptcy due to lack of finances, you most certainly could not afford an attorney. However, many people do get an attorney to help guide the through the bankruptcy process because it is a lengthy one.
Yet, you can file for bankruptcy yourself and this can save you a lot of money if you are able to do so. However, you will want to prepare yourself for this by educating yourself on the process. Listed below are some things you may want to consider doing to prepare yourself for the process:
1. Make a list of all debts you have. This will include the amount of the debt as well as the creditor and their address as well. This will make it easy for you to contact your creditors and give you an exact amount of debt that is owed as well.
2. Contact the government to get all the needed forms. When you file for bankruptcy, there are a lot of forms that will have to be completed. These can usually be obtained through the federal government. When you take the time make sure you have all the documents together initially, it can save you a lot of hassle down the road.
3. Know what type of bankruptcy you are going to file. You can file bankruptcy by Chapter 7 or Chapter 13, but it is very important you know ahead of time which you plan to file.
It is an individual decision when it comes to filing for bankruptcy, whether you get an attorney to assist you or if you do it on your own, either way it is a big decision.
Yet, you can file for bankruptcy yourself and this can save you a lot of money if you are able to do so. However, you will want to prepare yourself for this by educating yourself on the process. Listed below are some things you may want to consider doing to prepare yourself for the process:
1. Make a list of all debts you have. This will include the amount of the debt as well as the creditor and their address as well. This will make it easy for you to contact your creditors and give you an exact amount of debt that is owed as well.
2. Contact the government to get all the needed forms. When you file for bankruptcy, there are a lot of forms that will have to be completed. These can usually be obtained through the federal government. When you take the time make sure you have all the documents together initially, it can save you a lot of hassle down the road.
3. Know what type of bankruptcy you are going to file. You can file bankruptcy by Chapter 7 or Chapter 13, but it is very important you know ahead of time which you plan to file.
It is an individual decision when it comes to filing for bankruptcy, whether you get an attorney to assist you or if you do it on your own, either way it is a big decision.
Saturday, October 24, 2009
Plan your immigration at every stage.
According to the U.N. Population Division, there are now almost 200 million international migrants.
About 50% of these existing immigrants are illegal OR undocumented. The worldwide immigration trend is increasing day by day. The intending immigrants also do not have good immigration plans to retain their legal status for a longer duration. They normally overstay their Visa period due to many reasons beyond their control. Then these overstayed / illegal immigrants are forced to live under inhumane circumstances for next many years of their life.
Immigration Laws
and society do not help illegal immigrants.
80% of the world immigrant’s population is based on financial inspirations. They migrate in pursuit of financial freedom and happiness. Their existing recourses are not enough. They take big risk of their life to do OR die. Sometimes they loose life during their journey of Hope.
But most hardworking immigrants who Plan their immigration with proper research and knowledge of immigration laws and procedures are normally able to achieve their immigration goals successfully. They define their immigration objectives in a very realistic way. Their immigration plan is similar to a good business plan. Their every immigration step is pre planed and anticipated. They know their limitations of resources and set realistic immigration targets to be achieved.
We will be publishing series of Articles about IMMIGRATION PLANS prepared and executed by intelligent and hardworking immigrants to achieve their short OR long term immigration objectives. These samples Immigration plans will help and guide the international immigrant communities to develop their personal immigration plans for their own success.
These series of real world immigration plans are true ground realities. Due to privacy reasons the actual Names of immigrants have been changed. We have tried to explain the immigrants thought process while developing their immigration plans.
About 50% of these existing immigrants are illegal OR undocumented. The worldwide immigration trend is increasing day by day. The intending immigrants also do not have good immigration plans to retain their legal status for a longer duration. They normally overstay their Visa period due to many reasons beyond their control. Then these overstayed / illegal immigrants are forced to live under inhumane circumstances for next many years of their life.
Immigration Laws
and society do not help illegal immigrants.
80% of the world immigrant’s population is based on financial inspirations. They migrate in pursuit of financial freedom and happiness. Their existing recourses are not enough. They take big risk of their life to do OR die. Sometimes they loose life during their journey of Hope.
But most hardworking immigrants who Plan their immigration with proper research and knowledge of immigration laws and procedures are normally able to achieve their immigration goals successfully. They define their immigration objectives in a very realistic way. Their immigration plan is similar to a good business plan. Their every immigration step is pre planed and anticipated. They know their limitations of resources and set realistic immigration targets to be achieved.
We will be publishing series of Articles about IMMIGRATION PLANS prepared and executed by intelligent and hardworking immigrants to achieve their short OR long term immigration objectives. These samples Immigration plans will help and guide the international immigrant communities to develop their personal immigration plans for their own success.
These series of real world immigration plans are true ground realities. Due to privacy reasons the actual Names of immigrants have been changed. We have tried to explain the immigrants thought process while developing their immigration plans.
Subscribe to:
Posts (Atom)