When someone is behind on his or her loan payments and has creditors calling at all hours threatening to repossess a vehicle or foreclose on a home, the best option may be to file for bankruptcy. Two forms of bankruptcy are generally available to individual filers: Chapter 13 and Chapter 7 bankruptcy. Bankruptcy is a legal process through which debts are forgiven to give filers a fresh start. Under Chapter 13 bankruptcy, filers develop a repayment plan and after making payments on time over three to five years, have the rest of their debts forgiven. Those who are unable ...

In the past, bankruptcy often carried a stigma, but times are changing, and bankruptcy is becoming a preferable option for many. The difficult economy makes bankruptcy a viable and respectable choice, and filing for bankruptcy allows individuals and businesses to start fresh and rebuild Chapter 11 Bankruptcy for Businesses Chapter 11 Bankruptcy allows the debtor to enter into agreements with creditors that will keep the debtor's business in operation. Sole proprietorships, partnerships and corporations are all eligible for Chapter 11. Sole proprietors, since their ...

Arizona residents know a slip and fall accident in a retail store can cause significant disruption to daily life. A recently released report by the National Insurance Crime Bureau reveals over 2000 slip and fall accidents occurred in 2011. That number is a 12 percent increase from 2010. New laser technology in retail stores New 3D laser technology is proving useful in documenting scenes where slip and fall accidents occur. The security and loss department of a retail store normally assists when a customer slips and falls. They help determine if the customer is injured ...

Is an "alert" from a drug sniffing dog enough to justify a search of a home or car? That question is under review by the U.S. Supreme Court. The court has long held that the sniff of a drug detection canine is not a search under the Fourth Amendment, which protects against "unreasonable searches and seizures." However, two Florida cases before the nation's High Court could change the parameters of the law and either limit or expand the privacy rights of everyone in the United States. Florida v. Harris The first case, Florida v. Harris, goes directly ...

Personal bankruptcy filings in Utah appear to have peaked, according to a recent report, and are showing signs of significant decline for the first time since 2005. Utah bankruptcy filings fell by 13 percent during the first nine months of 2012, the Salt Lake Tribune reported recently. While this certainly is good news for Utah homeowners, the progress is relatively modest in comparison to the gains seen in the national bankruptcy rate, which declined 14 percent during the same period according to the National Bankruptcy Institute. Despite the overall improvements, Utah ...

Massachusetts residents know illegal and legal drugs can both be dangerous. A recent report reveals serious issues with prescription drugs in Dedham. Drug addiction on the rise in Dedham Dedham police have already responded to three reports of fatal drug overdoses in 2012. Additionally, prescription drug abuse has risen by 600 percent in Massachusetts between 1990 and 2003. In Dedham, drug addiction is responsible for numerous robberies, according to Dedham police detectives. Unfortunately, individuals with a severe addiction problem sometimes engage in illegal ...

Atlanta, GA - This Christmas, multi-platinum rapper/actor Chris 'Ludacris' Bridges will provide a very special Christmas for more than 400 Atlanta area children. On Tuesday December 18th, the Ludacris Foundation, will host its annual "LudaCrismas" holiday event. 150 are youth invited to the holiday event. Each year, Christopher "Ludacris" Bridges provides a Christmas celebration to inner city youth from all over the Atlanta area with the donation of toys, books, and winter clothing. Ludacris, and The Ludacris Foundation are hosting a Christmas Winter ...

Located in the Greater Vancouver area, Canada, Viva Orthodontics provides the highest quality of orthodontic care and offers the the latest in orthodontic care including Invisalign: the "Clear" alternative to braces. Viva Orthodontics also offers Invisalign Teen, clear braces, and metal braces. With 4 locations across the Greater Vancouver area, Viva Orthodontics now serves orthodontic patients in Downtown Vancouver, New Westminster, Grandview Corners, and Clayton Heights. Viva Orthodontics is regarded throughout the Vancouver community for their state-of-the-art ...

Ambler Growth Strategy Consultants has been selected for the 2012 Best of Hammonton Award in the Management Consulting Services category by the Hammonton Award Program. Each year, the Hammonton Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our community. These exceptional companies help make the Hammonton area a great place to live, work and play. Various ...

Grandstream Networks, a leading manufacturer of IP video and voice telephony solutions, today announced that its Linux-based IP phones successfully completed TR-069 interoperability testing (IOT) with Friendly Technologies' TR-069 device management solutions. Deployed together, the two product lines provide an answer to broadband service providers, who seek to reduce the time-to-market for launching next-generation services. Friendly's solution provides complete and unified service life cycle management for Grandstream IP phones, including Zero Touch provisioning, quick ...

John Moore, the Caretaker for the Thompson Farm, gave his heartfelt testimony in court (December 12th), for several hours at the Federal Appeals Court. His testimony left the court room in tears. Tune in this coming Thursday, December 20th, John Moore will speak live on http://www.joeexotictv.com at 6:00 pm cst about that tragic day, and his upcoming book release, "Eighteen Days to the Massacre" is the story of the Thompson Farm Animal Massacre as told by farm caregiver, John Moore and authored by Teresa Headley. Release date is anticipated December 2012. Almost ...

The Pacific Orchid Exposition is the largest orchid show in the United States, and on February 21st-24th, the event will return to San Francisco to showcase over 150,000 unique orchids from across the globe. This year the theme for the 61st annual event is "East Meets West", which will be reflected in the displays and exhibits in the show. Attendees will be immersed in Eastern culture from the moment they walk into Fort Mason Center and view the elaborate front entrance display, lavishly adorned with traditional Taiwanese lanterns. These beautiful decorations ...

According to the American Society of Plastic Surgeons, laser hair removal was the third most popular minimally invasive cosmetic procedure in 2010. Given the growing ethnic diversity of U.S. population, safe and effective treatments for all skin types has become the driving force behind the recent advance in technology which has created the Elite MPX by Cynosure. Boston Cosmetic Surgery Center is a premier facial rejuvenation and skin care practice in greater Boston and Massachusetts, founded and directed by Edwin Ishoo, MD, FACS, a board-certified surgeon specializing ...

If you have ever struggled with making a final sequence look better, or in trying to figure out how to fix a few bad shots for a director, you are not alone. For many editors, color correction is a black art that few seem to master. The Editors' Lounge shed new light on this topic recently with a seminar taught by author and veteran colorist, Steve Hullfish. Post-production professionals learned about the importance and the countless benefits of using waveform monitors to aid in perfecting the craft of color-correction. Now into its ninth year, The Editors' Lounge hosts ...

A-1 Decks is pleased to announce they are seeking the help of iWebContent to help them improve their web presence. Today, it is essential for businesses to have a solid web presence so their customers are better able to find them when they need their services. IWebContent is experienced in Internet marketing techniques, particularly in SEO websites and blogging, to help businesses better serve their customers. A-1 Decks is a construction company that specializes in helping homeowners and business owners with the exterior features of their property. While their primary ...

FOURTEEN GOLF, a global leader in wedge and iron design with over 48 professional tour victories, announced today that the company will be introducing their new TC-330 Irons, a new series of irons that feature a progressive sole design with a deep set and low set CG, at the upcoming 2013 PGA Merchandise Show in Orlando, Florida. According to FOURTEEN GOLF COO Marcy Kamoda, "FOURTEEN GOLF is confident that golfers will be more than surprised at how much distance they can gain with these irons. Reaching the green on a 175-yard par three with a 7-iron is entirely possible." The ...

Taylor Morrison is pleased to report that due to the overwhelmingly positive response to their new Francesco in Haddington, the company is planning to build three showcase homes in the same Country Club East neighborhood. Construction on the new Lakewood Ranch homes will begin in December, and they will be available for move-in this spring. One of the new showcase homes that will be built in Haddington is a repeat of the popular Francesco model. Notable for its charming Tuscan-inspired details, the Francesco has a pleasingly open space plan that is ideal for entertaining. ...

Fishbowl Solutions has announced the release of the "Fishbowl ECM" iPad application on the Apple App Store. "Fishbowl ECM" is a free version of Fishbowl's Mobile Tablet application for Oracle WebCenter Content and allows customers to try out the functionality first hand. • The application is a tablet-based content delivery tool for enabling mobile access to Oracle WebCenter Content. It allows users to find, store, view, and organize content located in the Oracle WebCenter repository from their iPads. • Highlights of the application include: • Access ...

Farmers & Merchants Bank (F&M) has been selected by the Orange County Medical Association (OCMA) as a Preferred Business Partner for physicians seeking personal and professional banking products and services. "F&M is dedicated to delivering tailored products and services for the medical community," said Daniel K. Walker, F&M's Chairman and CEO. "We have served the community for more than a century and have worked with medical professionals in our Memorial Hospital branch for more than 30 years. This rich history and depth of experience ...

Advice Unlimited LLC, a public relations/marketing communications firm that specializes in serving high tech companies and/or divisions that sell to the government marketplace, is pleased to announce that Sarah Sechrist has joined its team as a Public Relations Account Executive. Sarah is a 2011 graduate of Seton Hall University, where she earned her Master of Arts degree in Strategic Communication and Leadership, and a 2006 graduate of Central Pennsylvania College where she received her bachelor's degree in Corporate Communication. Sarah brings more than six years of ...

Award-winning author Robert Banfelder's newest thriller was inspired by the Robert Shulman serial killer trial, which gripped Long Island, NY residents in the 90's. Brothers Howard and Jeffrey Mills are suspects in the bludgeoning and dismembering murders of three prostitutes. Homicide detectives zero in on Howard as their primary target. An avalanche of forensic evidence leaves no doubt in anyone's mind that the women were killed in Howard's one-room rental. But is Howard Mills the murderer? Extraordinary pressures are applied by the district attorney's office for the ...

Communication seems to be increasingly difficult, if not condensed, in today's digital world. Many professionals find themselves faced with 140 character limits or the task of quickly typing an email or text message on the go. Ultimately, the pressure of accurately conveying a message continues to intensify, even as grammar rules seem lax in the age of LOLs and hashtags. A recent Fast Company article has identified many of the writing challenges and roadblocks professionals face. Amanda E. Clark, president and editor-in-chief of Grammar Chic, Inc., a writing and editing ...

Private Residence Collection (PRC) announces a new partnership with luxury Mexico resort La Tranquila, with the agreement designed to provide outstanding additional vacation benefits for travelers seeking to own in this exclusive Riviera Nayarit location along the Pacific Coast. Located just minutes north of Punta de Mita, in Litibú, La Tranquila Resort offers the discerning traveler an experience of refinement and elegance in an unrivaled setting of natural beauty and charm. The resort has 73 exclusive residences available for purchase in four week allotments at this ...

William Peace University (http://www.peace.edu), a private four-year university located in downtown Raleigh, has announced that Ryan W. Davis has been named director of residence life and housing. In his role, Davis will be responsible for overseeing all activities related to the overall residential life experience of William Peace University, which will include student development and daily operations. Additionally, Davis will establish and maintain communication with students living in the residence halls, serve as a personal counseling resource for residence hall students, ...

Fatburger, known for their fresh burgers and hand-scooped ice cream shakes, is proud to announce the opening of their first store in Temecula on Margarita Road. Maintaining the same upbeat, soulful culture that started over 60 years ago, the new Fatburger location is sure to provide Temecula residents with juicy burgers and tasty, homemade onion rings as well as the ever-famous Fat Fries. Fatburger prides itself on the quality of their ingredients. With 100% lean beef burgers ranging in size from Small to XXXL and options including veggie and turkeyburgers, all Fatburger ...