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A Bankruptcy Lawyer can Help with Student Loan Debt...

Posted by , on Jul, 2014

When most people take out a student loan, they do it with the highest aspirations. Even if you do not find a job in your field of study, you’re likely obligated to begin repaying the loan about nine months after you finish school. If you cannot find a job, the payments may be more than you can afford – but a bankruptcy filing may not make the debt disappear. Bankruptcy and Student Loans In most cases, student loans are non-dischargeable. Even after all of your other debts are erased, you will still be responsible for your loan debt. If you become nine months overdue on payments, the lender can call in the entire loan amount at one time. There is only one way to discharge student loan debt through bankruptcy. Discharging Student Loan Debt The law allows debtors to eliminate student loans if continued payment creates undue hardship. For this to occur, you must prove that you are only making enough money to sustain a minimal living standard; this typically means that you can’t afford luxuries such as cable TV and a cell phone even without the student loan payments. Debtors must also prove that their continued financial outlook is just as grim. Filing an Adversary Proceeding for Student Loan Discharge Hardship discharges do not automatically happen when a debtor files for bankruptcy. You or a lawyer must file an adversary proceeding, which asks the bankruptcy court to allow an exception to the student loan discharge rule. Student Loans and Chapter 13 When you choose Chapter 13 bankruptcy, you agree to gradually repay your debts under court supervision. Under this type of bankruptcy your lender cannot demand the entire loan amount at once; every month, you give all of your disposable income to the court-appointed trustee who in turn distributes the money to your creditors. Even though you will still have your student loan after a Chapter 13 filing, all of your other debts will disappear – making the loan easier to handle. A Personal Bankruptcy Lawyer can Help The laws involving student loans and personal bankruptcy are complex and every case is unique. We have offered some general information here, but it should not be construed as legal advice. For help specific to your case, please call a Bankruptcy Lawyer with Shinbaum & Campbell Attorneys at Law.   Be the first to like. Like...

Why You Should Speak with an Inmigracion Abogado in Nashville TN...

Posted by , on Jul, 2014

When you’re trying to immigrate to the United States, there’s a lot that can go wrong. While the paperwork is available in a variety of languages, there are still language barriers that may cause problems. All of the paperwork must be filled out correctly and filed on time for you to avoid a denial or deportation, so any barrier in languages can be a problem. Beyond that, there are a variety of other reasons why you may be denied for immigration. To give yourself a good chance at being able to stay in the United States, you need to hire an Inmigracion Abogado Nashville TN. There are many benefits to hiring an attorney, the first of which is that you will have someone who can help with the paperwork. They’ll make sure everything is filled out filly, correctly, and on time. You won’t have to worry about missing documents or incorrect information, because the attorney has a lot of experience in immigration and knows exactly what documents need to be filed and what supplementary information will be helpful. If you are denied for any reason, your attorney can help you with that as well. An Inmigracion Abogado Nashville TN is familiar with all of the reasons an application for immigration may be denied, and they can help you appeal the denial so you can stay in the United States. If you did not have an attorney to file your application originally and you were denied for missing or incomplete information or for contradicting statements on your application, an attorney can review over your original application and find out what was wrong. Before the appeal runs out of time, your attorney can help you gather any necessary documentation you were missing, correct your application, and help you refile for immigration. Going through immigration can be a lengthy process, and it can be incredibly difficult if you’re not a native English speaker. If you’re in need of help with your immigration application or appeals, an attorney like Dawn A. Garcia Attorney At Law Nashville TN can help you each step of the way. Speak with an attorney today to find out how you can get help with your immigration. Click here for more information.   Be the first to like. Like...

Options for Avoiding Foreclosure in St. Paul MN

Posted by , on Jul, 2014

Homeowners who are unable to make their mortgage payments are at risk of foreclosure. If you think you may not be able to make one or more payments on time, it is important to inform your mortgage company and make arrangements to make up the overdue balance. Your lender is likely to be understanding and try to work out an agreement with you if you keep in touch with them. Visit website for more information. Mortgage companies understand that your property is more profitable to them if you are living in it and making payments than if they have to file for Foreclosure in St. Paul MN. However, if you don’t contact your lender and explain your temporary financial situation, they will have no choice but to schedule a sheriff’s sale. The sale usually takes place about four weeks from the date it is scheduled. If you want to keep your home and are unable to work out a suitable arrangement with your mortgage company, you need to talk to a lawyer before the sheriff’s sale. Homeowner’s who have enough income to catch up on their payments over an extended period of time may be able to keep their property by filing for Chapter 13 bankruptcy. By filing for bankruptcy protection, you will halt all collection efforts against you, including the sheriff’s sale and Foreclosure in St. Paul MN. Instead of your home being sold to the lender or another person at an auction, you can retain the title to your property and decide whether you want to sell it or make a payment arrangement through bankruptcy court. Chapter 7 bankruptcy is also an option and may be a better choice if you have negative equity in your home. While you have to surrender your home to the lender, you may be able discharge the deficiency so you don’t owe thousands of dollars to your lender after they have foreclosed and taken possession of the property. There are income and asset restrictions for Chapter 7 so talk to an attorney such as Lamey Law Firm of St. Paul MN about whether you qualify for this option.   Be the first to like. Like...

A DUI Lawyer in Long Island can Give Advice on Staying Below the Legal Limit...

Posted by , on Jul, 2014

When determining how many drinks you can have before reaching the legal limit for intoxication, a DUI Lawyer in Long Island will tell you that it is impossible to give a one-size-fits-all answer. The legal limit in most states is .08%, and there’s a way to tell when you are getting close to that value, based on the number of drinks you’ve had, how long you’ve been drinking, and your weight. For instance: If you weigh 100 pounds, you can have about one drink before being over the limit. A person weighing about 160 pounds can have three drinks and still be under the legal limit. No matter how much you weigh, if you have had three drinks in succession, you are likely to be over the BAC limit. If you have spread your drinks over the course of a few hours, your BAC will be lower than if you’d had them one after the other. In most cases, you can deduct .01% from your BAC for every forty minutes that elapse while drinking. What Constitutes a Serving? The amount that makes up a serving depends on the type of alcoholic beverage. For example, twelve ounces of liquor contains more alcohol than an equal amount of beer, and its impact on your BAC will be higher. One serving of alcohol is roughly equal to one ounce of liquor, four ounces of wine, or 12 ounces of beer. Click here for more information. Other Factors Affecting Blood Alcohol Content Your weight, your time spent drinking and the amount you’ve had to drink have the greatest effect on your BAC, but other factors play a part: Exhaustion can greatly increase your BAC while drinking. Even if you haven’t had a lot to drink, fatigue combined with alcohol can have adverse effects on your judgment. Medicine can have serious side effects when mixed with alcohol. Drinking alcohol on an empty stomach can result in a significantly higher BAC than if you eat before or during drinking. What to do if you are Arrested for DUI If you are facing DUI charges, your first move should be to call an attorney. A DUI Lawyer in Long Island can tell you about your legal rights, and he or she can help you put together a solid defense. The justice system can be complex, and a DUI Lawyer in Long Island can guide you through it while protecting your interests. For more information visit The Law offices of Mitchell M. Shapiro PC. Be the first to like. Like...

Understanding Concepts Addressed In Estate Planning In Port Orchard, WA...

Posted by , on Jul, 2014

Washington property owners with considerable assets should review planning concepts to allow their families to keep more after they die. While an estate plan, typically, applies to necessary provisions while you are still living, some implications could reduce the value received. If you wish to evaluate Estate Planning in Port Orchard WA concepts, you should visit Silverdalelawyers.comd today. What is a Power of Attorney? Power of attorney provides a family member with certain rights. These rights apply to the use, transfer, or distribution of your wealth. It also gives him or her the right to make decisions related to your care, management of your finances, and operation of your company if you are a business owner. These documents are used in case an estate owner becomes incapacitated or in circumstances in which a military spouse is deployed to a war zone. The estate owner can apply stipulations or limitations to this assignment. For example, they can prevent the sale of their property or specify how the family member can use their properties or assets. If they wish to appoint an attorney or administrator to monitor the use of their bank accounts, they could add these provisions in this assignment of authority. Care Plans Estate Planning in Port Orchard WA allows for the inclusion of a care plan. This permits a family member to discuss their physical and mental health with a physician. It permits the doctor to share information with the family member that would otherwise be protected by privacy laws. With this knowledge, the designated caregiver has the right to make decisions based on the best interests of the individual. This includes providing doctors with permission to perform surgeries and other vital medical treatment. By creating a plan, the individual maintains his or her rights. All provisions, stipulations, and limitations that apply to any portion of the plan are upheld according to current laws. In the event that new laws emerge that may alter this plan, the owner has the right to make changes to accommodate compliance with these requirements. This prevents reduction of their estate or deviation from their chosen course of action.     Be the first to like. Like...

Discovering The Penalties For Severe Crimes Through A Criminal Attorney In Newton, KS...

Posted by , on Jul, 2014

The judicial system in the state of Kansas imposes harsh penalties for criminal infractions. The imposed sentence is based on the nature of the crime, its severity, and a previous criminal record. If you are arrested, you should hire a Criminal Attorney in Newton KS to construct your defense. Criminal Penalties in Kansas Domestic violence is a growing problem in the U.S. As such; the state of Kansas has created State Codes that apply to the punishment of these infractions. Domestic battery as clarified in State Code 21-3412 imposes a penalty of six months in jail with a fine that ranges from $200 up to $500 for a first-offense. The second offense incurs a jail sentence of no more than one year and fines between $500 and $1,000. A third offense is classified as a felony. It requires a fine that is no less than $1,000 and no more than $2,500 and one year in county lock up. Hazing in colleges is classified under these laws and imposes a fine up to $1,000 and jail term of no more than six months. Criminal death is defined by the circumstances that surrounded the event and how it took place. The state imposes penalties based on State Code 21-3403 through 21-3439. Involuntary and voluntary manslaughter are classified as felony charges and impose fines and restitution of no more than $300,000. Voluntary manslaughter incurs a prison term of sixty-one months; involuntary infractions result in thirty-four months. Capital murder is punishable by the death penalty in Kansas as outlined in State Code 21-3439. 1st degree premeditated murder results in life imprisonment, however, he or she is eligible for parole after twenty-five years. Felony murder incurs the same sentence, yet; the convicted individual is eligible for parole after twenty years. Second degree reckless murder is punishable by one hundred twenty-three months in prison and fines of no more than $300,000. Intentional second degree murder incurs a prison sentence of one hundred sixty-five months and maximum fines of $300,000. If you are accused of murder in Kansas, you should hire a Criminal Attorney in Newton KS without delay by visiting Rockylaw.net immediately.   Be the first to like. Like...

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