A new video has been released by NY Bankruptcy on their YouTube channel. We have provided the intro video below, For the full bankruptcy web series visit their channel.
For more information regarding Long Island Bankruptcy visit Nybankruptcy.com
A new video has been released by NY Bankruptcy on their YouTube channel. We have provided the intro video below, For the full bankruptcy web series visit their channel.
For more information regarding Long Island Bankruptcy visit Nybankruptcy.com
Figuring Out All That’s Expected In The World Of Personal Injury Law
It’s impossible to deny the adverse impacts of an injury on your quality of life. If this is that case, you may want to look into hiring a personal injury attorney to help you get proper compensation. Secure the best possible outcome by following these guidelines.
If you believe you may have grounds for a personal injury case, see a physician immediately. It’s important that your information be documented as soon as possible. It will be used as valuable evidence later, but by the time you have your day in court, the injuries may have healed and you will have no proof of them. http://www.fiveboroughslaw.com/
If you have medical bills as a result of your injury, make sure you keep copies of any bills. Remember, you can be reimbursed for more than just your out-of-pocked expenses. You are entitled to the actual cost of the treatment you received or the medicine that you took. Make sure you file all of your invoices so you have the proof that you need to give to the court.
Do your best to stick with local personal injury attorneys. Generally speaking, local attorneys are more accountable to you and that can lead to you being more satisfied with what they do. You also won’t have to make long distance calls, you can have quicker communication, and you can meet with them easier.
Always go to the hospital if your injury may be the fault of someone else. If you do not fully document your injury as soon as you can you put yourself at risk for not getting the money that you may deserve in a settlement. So, if you want to protect yourself, be sure to visit a doctor right away.
Remember that your lawyer is the expert. Sometimes it can be difficult to follow the directions of others, but when it comes to dealing with your lawyer, you must. If you do not follow his instructions you are only hurting yourself, and possibly putting your entire case in jeopardy, so be sure that you are doing what you are told.
If you are injured at work, you must find a lawyer who deals with workplace accidents. They know not only how to deal with the insurance, but also how to ensure you still have a job once the case is over. They’re truly going to give you a positive outcome in the end.
Ask your attorney about options to settle out of court. Heading to court can result in a lot of time spent in front of a judge and additional expenses that might come out of your pocket if you do not win the case. It also means a delay in you receiving funds that are necessary to move on with your life. Discuss out of court settlements with your attorney to see if that is the option for you. Long Island Car Accident Lawyer
During meetings with various lawyers, you should be able to provide detailed documentation and information related to your case. For example, you might include things like insurance company papers, medical bills, payroll information and police citations. These documents can assist your lawyer, so he can determine whether he can take you on.
If you are injured in an accident and it is not your fault, it can be worth your time to contact an attorney, even if you are not sure you need one. Sometimes your insurance company might offer you a quick settlement, but you should discuss this with an attorney to make sure the settlement will adequately meet your needs. Instantly accepting it can leave you short on funds with no further options for additional help in the future. Long Island DWI Lawyer
Personal injuries are traumatic for everyone involved. Therefore, a good personal injury lawyer is vital to the success of your case. Hopefully, this article will be helpful as you navigate the tricky legal world.
If you are thinking about bankruptcy and haven’t made a final decision about it yet, it’s important that you know what is involved. If you are not a bankruptcy lawyer, you, more than likely, have not dealt much with bankruptcy law. Here are some quick tips to help you understand what you may go through.
Many people do not know that student loans are not dischargeable debt under bankruptcy laws. Do not go into your bankruptcy thinking that your student loans will be discharged, because only in cases of extreme hardship are they considered. If the job you received from pursuing your degree will never allow you to pay off your debt, you may have a chance, but it is highly unlikely. http://nybankruptcy.com/
Be extra vigilant about your spending habits until your hearing. Judges take a look at your entire financial picture. They even look at the things you are doing right now, to see if you are trying to take advantage of the system. Show that you are now on the right track financially.
An important tip regarding personal bankruptcy is, gaining an understanding of what sorts of debts can, and cannot be included in a discharge. By realizing that some obligations are not considered dischargeable under the bankruptcy code, it is possible to make a wiser, more informed choice when it comes to making the decision to file a petition.
Be sure to consider all of your options before filing for personal bankruptcy, as there may be some you haven’t considered. If you have a job that has slowed down due to the recession, such as construction, you may need to find a new job. This could help your situation until the economy picks back up. Long Island Bankruptcy Lawyers
Do some research. There are two main types of personal bankruptcy – Chapter 7 and Chapter 13. Chapter 7 will eliminate the majority of your debt while Chapter 13 restructures it to give you time to pay it off. Each one has different rules on what assets you are allowed to keep. So, ask a lot of questions before you decide which one is the best fit for your situation.
It is imperative that you know for sure that bankruptcy is the option you need. Many times a consolidation loan will ease your financial struggles. Going through the bankruptcy process is a long drawn process which at times can be incredibly stressful. Having a bankruptcy on your record will hinder your ability to get credit in the future. You only want to file for bankruptcy after you have exhausted your other options for dealing with your debts.
Know the facts. Contrary to popular belief, you can actually get credit after you file for bankruptcy. In fact, most who file already have very poor credit and filing for bankruptcy will put them on the only possible road to ever establishing good credit again. Your financial life will not end upon filing. Hire Long Island Bankruptcy
Become educated about personal bankruptcy. You must realize that the IRS will tax forgiven debt in a bankruptcy. The rules can be confusing, so be sure you learn all that you can before you file. You can find out more about this by doing some research, either by talking to finance professionals or looking online.
Keep your head up. Getting depressed about the situation you are in will not help. Many times, bankruptcy seems like it is going to be bad, but often, it is the best thing you can do at the time. You will have a fresh start and a better financial future, if you learn from your mistakes.
A better understanding of what happens during bankruptcy is a good idea before you decide to file. By knowing what to expect, you can make a better decision about what choice is right for you. Hopefully, the tips laid out here can help you understand the process better, so that you know what to do.
Home Improvement Projects Are A Snap With These Ideas
Sometimes it’s very hard to choose which tools and which tips will help you the most in home improvement. After all, there are a great many to choose from! The article discussed here provides some simple tips you should follow so you can decrease your stress level and successfully complete your home improvement project.
To improve the value of your home, you should think about remodeling it. A home that looks new can be sold for more. Adding new rooms or an outside patio can increase its value. Consider remodeling as a form of investment and make sure you know what most people want, before you start. http://www.longislandcontractors.net/
In terms of renovating your roof, use white tiles or other similarly-hued materials. The lighter color will reflect the suns rays instead of absorbing them, reducing the heat build up in your attic. This alone can make a big difference in your bills.
When you are working on home improvement projects, it is crucial that you are aware of what needs to be improved the most. Buyers will judge a home on visual appeal and may be deterred from buying if they notice something wrong. Although major improvements aren’t usually seen, lesser, more obvious ones are, so take care of them before selling your home.
Make your home feel like a home by adding a doormat. A lot of people tend to overlook the addition of a doormat in front of a door. It not only serves a purpose of making a home feel complete, but also serves to keep your floors clean. Putting out a doormat where people can wipe their feet will cut down the amount of time you spend cleaning your floors.
When you replace old equipment during a home improvement project, always try to get the most energy-efficient replacements you can afford. In many cases, a slight extra expenditure gets you appliances or building materials, that are far more efficient than the bargain-basement options. These little extra outlays will be quickly offset by reduced energy and heating bills. Hire Long Island Contractors
Copper is by far the most attractive building material for thieves, so exercise care when installing copper pipe and wiring. Whenever possible these installations should not be done until the house, ideally the entire property, can be protected by lock and key. Thieves are talented at stripping copper from a building site very quickly. Protect your copper supplies, so you don’t wind up buying it twice.
When selecting home renovations, consider the savings you will see in the future. For example, a new fridge may save you significantly on electricity bills, and new insulation in the attic could help reduce heating and cooling costs. While these renovations may seem expensive, future savings should always be considered during the planning stage of a home renovation.
When making a major renovation to your home, check into what kind of return for investment that you can get from it. The reason for this is that certain updates can be a bit of an overkill depending on what neighborhood you live in. This is especially important if you might be planning on selling your home within a couple of years of doing this renovation. If you do too much, you might not get your money’s worth out of it. Long Island Gutter Installation
If you’re looking for a low cost way to improve the look of your home’s interior, add a fresh coat of paint. Make sure you choose a neutral color. Dark or drab colors can make a room feel oppressive and confining. Painting with neutral colors will give rooms a fresh, airy feeling of openness.
Home improvement projects are rewarding and fun when you do them by yourself. The trick is finding the right information to map out good plans for your work, and to follow it from start to finish. This will help to ensure your success.
Requesting a travel guide prior to your trip is a great idea to familiarize yourself with your destination. Travel guides can be requested from the Chamber of Commerce in the city you are traveling to. This article will give you some tips on different ways you can familiarize yourself with your travel destination. http://carserviceli.com/
When selecting a destination for your travels, keep abrest of the recent news. Picking locations that are in high levels of turmoil may not be the best idea. However, don’t let over-anxious friends and relatives talk you out of a trip to a safe destination that has recently been the victim of some kind of attack.
To receive the best service when traveling, tip generously at the beginning of the trip. If the bellboy or steward knows that you tip well, they will be more likely to tend to your needs. Especially on cruises, you’ll receive more personal attention and better service from the staff if you’re seen as generous. Long Island Car Service To Airport
If you’re traveling on a tight schedule, give yourself the advantage of learning the layout of an unfamiliar airport by using your smartphone to download a free application designed to assist travelers. FLYsmart gives you all the information you need on a specific airport, from locating the restroom to checking arrival and departure times.
When you plan to take an extensive travel time and own a home, it may be in your best interest to rent out your home to make sure it is well kept while you are gone. This will ensure that bills are paid, utilities still on, and not make you lose money while you travel.
When traveling with a bag that has to be checked, snap a digital photo of it. If it gets lost, the picture will help you describe the item to the airline. It is also important to take a clear shot of the baggage tag that the airline puts on your luggage. This gives you the routing information for the airline and will help them locate your bag quicker if it is misplaced.
You should make a copy of your passport, visa, and credit cards and keep them in a safe place in your luggage. If you were to lose these important items while traveling having a copy of them can make it easier to get replacements or to cancel their services.
It is easy to get bored on road trips, which means that you need activities on the way. Having something to look forward to other than bathroom breaks and meals can make the trip more exciting. Show your children the itinerary so they can pay attention to highlights on the route.
If you travel with many electronics pack a power strip. Though hotels have electrical outlets available it is not uncommon for each person to have 2 or 3 items that need to be charged every night. A power strip can keep the cords relegated to one area instead of strewn all over the room. Car Service
Always make sure to book your flight as far in advance as possible. That way, you can be certain that the flight of your choice won’t be sold out. Also, if you book a flight far enough in advance, you can pick your own seat. The pickings are better if you book your flight earlier.
As stated in the beginning of the article, requesting a travel guide prior to your trip is a great idea to familiarize yourself with your destination. There are also many different places you can find this information besides a travel guide. Apply the tips from this article to get to know your destination before you arrive, so you are prepared for all your destination has to offer.
There is no question that most individuals will file bankruptcy because they can no longer meet their monthly financial obligations.
But, while the actual filing provides a “freeze” or “automatic stay” that allows the individual to pause and organize, he or she would not file if those monthly bills didn’t change. So, that brings us to the question “what bills will I still have to pay?”
First, it is important to understand the difference between a recurring debt and a pre-filing debt. The best example for a “recurring” debt is a utility bill. For the most part, your electric bill begins on the 1st of every month and ends on the 30th of every month. The individual pays this bill every month and then incurs the next bill immediately thereafter. This is the type of bill that you will continue to owe (and pay, if you want to keep the service) every month as you are receiving a service every month. In some instances, people will owe a balance on a utility bill and this balance may be eliminated in a bankruptcy filing, but that will almost always result in the company in question terminating your service. Simply, if you don’t pay the electric bill you will lose your electricity. This applies to car leases, car loans and mortgages. You may eliminate the debt, but then you will lose the service or, in some cases, the asset.
If you have to file bankruptcy, get a lawyer to look over your paperwork before you file. Bankruptcy laws can be very complex, and if you do not have a lawyer, you can get yourself in trouble. Not only are there legal issues that you could face, but you could also end up losing property and cash that you think are protected.
Pre-filing debt is best illustrated by a credit card. You used the card to make a purchase and you agreed, in using the card, to pay back that balance over time while incurring interest. For the purpose of this article we will presume the credit card was used for a purchase more than 12 months before filing. So, the item purchased was for One Thousand dollars ($1,000.00), one year ago and you are continuing to make payments. When you file for bankruptcy this will be a “pre-filing” debt. The debt already exists and you are not receiving a service or maintaining a loan on an asset. When you file for bankruptcy this debt will be eliminated and you will stop making payments. In addition, unless certain circumstances apply, you will keep the item you purchased. Of course, there are circumstances that could require the forfeiture of the asset, but these circumstances only apply in certain situations. NYBankruptcy.com will discuss all of these situations with you. Credit card debt can be eliminated in bankruptcy.
Also included in “pre-filing” debt is money owed for services received. The best illustration for this type of debt is medical bills. You received the service, your insurance maybe paid for part and now there is the outstanding balance and the threat of collection. “Service” debt, including medical bills, dental bills, can be eliminated in bankruptcy.
Pre-filing debt also includes bank loans, personal loans, personally guaranteed business loans, civil losses and a great deal more. Call NYBankruptcy.com today and we will discuss the “recurring” and “pre-filing” debts that you can eliminate and the financial freedom that awaits.
Great ways To Improve Your Lifetime Relationship With Money
Money is a part of life. This is something that you just have to accept. To know how to manage real-life financial situations is necessary for you as a responsible individual. Learn as much as you can about financial independence. The article below reveals ways to pursue knowledge about this subject.
An honest assessment of your spending and actual income is necessary to develop a budget. Be sure that you are including every little bit of your income and not just what you bring home from your primary job. These values should come from your net income, not gross. If you are careful in taking a realistic look at your income, you will be able to accurately create a spending budget. To maintain your budget success, never exceed your incoming cash flow.
The next thing to do when devising an effective budget is to figure out what your expenses are. Create an itemized list of your expenditures, from regular monthly bills and groceries, to personal items and ‘fun money.’ Also, include other people’s expenses, such as your spouse. Bills that are paid on an annual, semi-annual or quarterly basis should be included, too. Be sure that your list is comprehensive and complete so that you have a reliable picture of your expenses.
Once you have determined your income and expenses, it is time to formulate an effective budget. First, decrease your total household expenses by reducing or eliminating any frivolous spending, such as going out to eat on your lunch break at work. Rather, try to make coffee at home and purchase new and exciting flavors to make it taste like you bought it outside. Continue to reassess your budget to find ways to decrease your expenses.
Everyone is trying all sorts of ways to save money these days. If your utility bills are astronomical, there are certain things you can do to lower them. An easy way to improve your home’s efficiency is to repair or replace an old hot water heater. Hire a professional plumber to make sure your pipes are leak-free. Since dishwashers use both water and electricity, you only want to use yours when you have a full load.
You can save money over time with appliances that are energy efficient. Unplug any large appliances that draw power when not in use, such as anything with an indicator light or display. These two minor changes will result in big savings for the planet, and will save you resources over the long haul.
Check the roof of your house and insulation. Leaks in either will cause an unnecessary increase in your monthly electric bill. The cost of upgrades will eventually be recouped in savings on your utility bills.
Use these tips to balance your budget and save some money. High-efficiency appliances can greatly reduce the amount of money you spend on utilities. You should buy them when they are within your budget. You will be able to manage your finances in the future.
For more information or advice visit New York Bankruptcy and their website.
Things To Consider Before Filing For Bankruptcy
First, you should speak with an attorney before you even think of file for bankruptcy. You should, in fact, consult with an attorney before taking any steps towards bankruptcy. An individual may file for Chapter 7 or 13 bankruptcy without an attorney, or pro se, but it is not recommended. There are intricate requirements and stern consequences to a bankruptcy filing. Yes, a bankruptcy filing may be the answer to your problems. But if you file a bankruptcy improperly you could cost yourself a ton of money in legal fees and hundreds of thousands of dollars in lost assets.
For the sake of this article we will presume you will hire an attorney. Perhaps you met this attorney through NYbankruptcy.com and now are attending your “free consultation”. What can you expect?
The purpose of your meeting is to decide whether filing for bankruptcy is a viable option. In order for your attorney to make this decision he must analyze your entire financial situation. You need to provide your last two years tax returns, last sixty days pay-stubs, last sixty days bank statements and copies of all other financial accounts. Make the most of your “free” consultation and have these documents with you.
In addition to your income you should have a list of all of your assets. Bankruptcy law requires that you disclose everything from clothing to furniture so provide that information to your lawyer. Not only will you save time, but you will protect your assets. Bankruptcy law provide for exemptions that cover certain assets. It is, literally, impossible for your attorney to know what collectibles you may own or whether you have a car under your name for your child. Be proactive. The more information you provide the better your attorney may perform.
Your list of creditors is just as important as your list of assets. There are three (3) basic categories for creditors: Secured, Priority and Unsecured. Without getting into the discussion of which creditors are which, what is most important is that all creditors are notified of the bankruptcy filing. The last thing you want as a debtor is to hear from a creditor a year after you file and be told they never received notice.
Tell your attorney everything. Even the smallest detail can make the biggest difference.
You may be advised by a friend or some other person that lying about an asset will let you keep it or that excluding some credit card will help, but I assure you this is not the case. You should also keep in mind that your will be interviewed, under oath, by a Trustee working for the U.S. Government. It is one thing to conceal the truth from your own attorney in his conference room. It is quite another to try and lie to a federal attorney in a federal court house.
Follow Your Attorney’s Counsel.
This is not an attempt to vouch for every attorney practicing law. However, you came to your attorney for a reason. Your attorney, hopefully, practices in the area of bankruptcy law. This process is not new to them. You may be confused or anxious, but that is expected. And that is why you retained your attorney. If you feel that your attorney is not doing the right job or you have lost confidence then substitute your counsel. But, do not ignore counsel and act on your own. That will almost certainly cause problems if not a disaster.
These three basics will help prepare you for what you need to expect from yourself. Filing for bankruptcy is a serious process, but with proper counsel and management, including managing yourself, it can bring you the “fresh start” you need.