Chapter 7 Bankruptcy

According to the Bradford Law Offices, PLLC, “If you are facing overwhelming financial difficulties and don’t know where to turn for help, you may need the assistance of a Chapter 7 bankruptcy attorney. Chapter 7 is one of the most commonly sought forms of bankruptcy because it provides individuals with a way to discharge, or completely eliminate, many of their existing debts. If you are suffering under the weight of unmanageable debt, Chapter 7 bankruptcy may be able to provide you with much-needed relief. However, pursuing this debt relief option can be complicated, so it is important that you secure professional assistance if you think that Chapter 7 may be right for you.”

Bankruptcy is one legal solution available to individuals and businesses with overwhelming debts. Besides helping them regain control of their finances, the bankruptcy law also ensures the immediate cessation of whatever form of harassment law firms and debt collectors use to force debtors to make payments – this starts as soon as a declaration of bankruptcy is filed in court. (Forms of harassment employed by law firms and debt collectors include e-mails, phone calls, letters, text messages, lawsuits and others).

Specifically, Chapter 7 bankruptcy is a liquidation bankruptcy method that is best for people who have properties, but whose salary or income does not go above the limit stipulated by the chapter. As the definition suggests, this law will require the liquidation of a few of your properties (you can choose specific properties that should not be sold, though). The selling or the liquidation of your properties is to be done by a court-appointed trustee who will also distribute the amount earned to your creditors. Debts to be paid are only those categorized as non-dischargeable, such as court fines, alimony and student loans. Medical bills, business and personal loans, and debts due to use of credit cards are called dischargeable debts, meaning, the court may free you from the obligation of still paying these.

To determine eligibility under Chapter 7, an applicant will have to take and pass the means test. This test is a way to determine if your income is low enough to qualify you to seek protection under this chapter.

Long Term Effects of DUI Convictions

Driving under the influence of alcohol or drugs has the obvious consequence of fines and jail times. But there are other consequences that are not as obvious, and some of them can even linger for years or even a lifetime.

License Revocations
Getting convicted of DUI can get your license revoked for up to 10 years, depending on the gravity of the offense and the consecutive times you have committed it. Having no license greatly affects your mobility and quality of life. If you have no license, you will have a harder time going to work or school, accomplishing errands such as getting groceries, and other tasks that may be more convenient if you have the privilege of driving.

This is not just an issue about convenience. It can also be an issue of responsibility. Without a license, you won’t be able to take the kids to school, and you won’t be very reliable on emergency situations. These may result into significant compromising and arguing within the family.

Employment Issues
If you have a job, your schedule may be compromised because of wasted times in court, jail times, and community service hours. You are at risk of losing your job because of your inability to show up at work and deliver your service. Some companies also fire those who have convictions. This is especially true if you are working on a company that involves driving, such as trucking and delivering companies.

If you do not have a job, you may have a hard time finding one because of the inherent bias against those with convictions.
Because of employment issues that can result from DUI convictions, you may have financial problems. They will affect the quality of your life and may even warrant significant lifestyle changes.

It is important to note that not because you have been arrested for DUI it already means that you are convicted. You can defend yourself, and there are lawyers out there who specialize on DUI defense, such as those from Truslow & Truslow.

But at the end of the day, prevention is always better than defense. Avoid driving under the influence by controlling yourself and knowing your limits.

Serious Water Accidents due to Reckless Operation of Water Vessels

After a 14-year-old Thai boy, who was declared world jet ski championship in 2015, fell into the water while training in a lake in Muang district in Thailand, another jet ski that was operated by a 9-year-old boy hit him on the head, causing in him a deep cut to the left side of his face. This head injury killed the jet ski champion: he was pronounced dead in the hospital where he was rushed.

Three years earlier (here in the U.S.), sometime in August or September of 2012, a fatal brain injury took the life of a 16-year old female after a vacationing 20-year old Australian male tourist rammed into the former’s jet ski.

Thousands of dreadful jet ski accidents occur in the U.S. every year. Records from the United States Coast Guard say that at least four thousand jet ski accidents occur each year. These accidents result to about 600 deaths and more than 2,600 injuries.

A jet ski has the power of a real boat, despite its small size, and can now run up to 70 miles per hour. Designed to run at high speeds with its drivers and passengers not wearing any form of protection, no wonder they are vulnerable to many different kinds of serious and life-threatening injuries.

States vary with regard to rules and requirements for operating a jet ski. The most basic ones say though, that one needs to: prove that he or she is at least 16 years old (some states have 12 for base age limit); hear a safety lesson, which takes only some minutes; and pay $95 per hour rent fee.

The law firm Ritter & Associates says that accidents on the open water can cause not only significant damage to your vessel, but these can also cause devastating and possibly life-altering injuries, even death, simply because someone has acted in a negligent or reckless manner. The laws governing accidents that take place on water, however, are different from the laws that govern accidents occurring on roads and highways, making seeking compensation more difficult as a result. Accidents involving jet skis or other types of recreational boats, therefore, can be better handled by legal professionals whose expertise include maritime law. It will definitely be in the best interest of a victim if he/she would consult with a maritime lawyer immediately after an accident occurs.

The DIY Homeowner’s Guide to Roofing Tools

There are plenty of people who find satisfaction in working on home improvement projects on their own. If you are among these do-it-yourself homeowners, even the most challenging repairs are jobs you won’t shy away from. One such job is roof repair. Minor issues like leaks and clogged gutters can be easily solved without the help of experts. All you need are the proper tools to ensure your safety and the quality of your work.

Repairing a damaged roof requires you to stay hunched over and on your knees for quite some time. Roofing experts make use of knee pads to protect their knees, ensuring they are comfortable and are able to keep their balance for the duration of time that they are working from great heights. In addition to knee pads, wearing a tool belt can also help ease the discomfort of roof repair and make the process a lot more efficient.

What you’ll need to consider next is what to put inside your tool belt. Some of the most essential tools to roof repair include pry bars and hammers for removing damaged shingles from the roof, hammer staplers and roofing nailers for installing shingles into place, utility knives and shingle saws for cutting pieces into size, as well as layout tools and brackets to ensure that the new shingles are symmetrical and in place throughout installation.

You can find these tools in hardware stores at a variety of price points. Finding the specific tool for the job will only be a matter of considering the quality and affordability of the item. Once you have these common roofing tools on hand, fixing leaks and replacing broken shingles can be an easy task to accomplish. Take note, however, that not every roofing issue can be addressed with DIY solutions. The more complicated problems will have to be solved by expert contractors, such as those from Best Roofing working in Fort Lauderdale and Miami, Florida.

Spousal Rape: A Criminal Offense in all U.S. States

Under the English common law, which is the source of many traditional laws in the U.S., it was not legally possible for a man to be accused of raping his wife. In support of this position, then jurist Sir Matthew Hale explained in 1736 how marriage implied permanent consent that could not be retracted.

The belief that a man could never be held guilty of raping his wife stood for centuries until in 1979, when legal attitudes about the concept changed due to a pair of separate cases. One of these cases, which may have been the first case that led to a spousal rape conviction, involved a bartender in Salem, Mass., who broke into the house that he used to share with his estranged wife and then forced himself on her. Since the incident involved invasion and sexual abuse while in the middle of a divorce, it was not hard to judge the case as one incidence of marital rape; regardless, this case was a precedent to so many other spousal rape convictions during the 1980s and the 1990s, and the major reason why today, spouses are no longer excluded in state criminal codes’ definition of “rape,” why saying “no” to one’s husband is no longer a ground for divorce, and why spousal rape is declared illegal in every state in the U.S.

According to a criminal defense lawyer from the firm Horst Law, married individuals may be charged with spousal rape if they engage in sexual penetration that is unlawful because it is alleged that the defendant was armed with a weapon, caused serious bodily harm, or the couple has been separated and at least one partner has filed for either divorce or separate maintenance. A charge of spousal rape can be elevated to aggravated sexual assault if the defendant was particularly vile, cruel, or otherwise inhumane and either caused serious bodily harm or was armed with a weapon.

To be accused of a crime can change your life forever. A conviction is so much worse for, besides the penalties, it will also affect your future personal, community and professional life. You should realize, however, that an accusation simply means that you still have the time and any means accessible for a strong defense that will enable you to protect your rights and future and which may even help you earn a verdict of “not guilty.” Being defended by a highly-competent criminal defense lawyer, who knows what evidences to gather and how to gather these, may just be what you need in a case as serious as spousal rape.

« Older Entries