Chapter 7 bankruptcy is also called "liquidation bankruptcy" because the trustee in the case liquidates all of the filer's non-exempt assets to pay off the creditors in the case. In many cases, the filer has few -- or no -- non-exempt assets, so very little money ends up going to creditors. Without the protections that filing bankruptcyoffers, particularly the debt discharge, many would not be able to make it and get out of debt. Bankruptcy can give people the opportunity to make a fresh start, which they otherwise would not have. People considering bankruptcy ...

A recent lawsuit stemming from the collapse of a soccer goal could change more than 150 years of Maryland personal injury law and give plaintiffs a greater chance of being awarded damages in personal injury lawsuits. Background of Lawsuit In 2008, Kyle Coleman was attending late-summer soccer practice at a middle school in Fulton, Maryland. While taking some warm-up shots at an empty goal, Coleman grabbed the goal's crossbar as he was retrieving a ball, causing the unanchored goal to fall. The crossbar crashed into his face and crushed the bones around his eye. As ...

The price of higher education has skyrocketed in recent years, rising at a rate that far outpaces inflation. Today's graduates of four-year universities carry more debt than any previous generation: according to a recent report from the Project on Student Debt, 2011 college graduates with loans had a record average debt load of $26,000. The combination of a slow economy and massive student debt can be a financial catastrophe for recent grads. Normally, filing for bankruptcy is a lifeline that can help those overwhelmed by debt get a fresh start. But, if student loans ...

Following a fatal drunk driving crash that occurred recently in North Brunswick, New Jersey, a 30-year-old man has been charged with manslaughter in the death of a 41-year-old woman. Both the driver and the victim were residents of North Brunswick. According to a police statement, the man was "grossly intoxicated and driving recklessly" when he ran a red light and broadsided the victim's car with his sports utility vehicle. The woman was pronounced dead at the scene of the crash shortly after 9 p.m. on May 15, 2012. For reasons that have not yet been ascertained, ...

In a highly anticipated decision, a New Jersey judge ruled recently that a young woman who sent text messages to her boyfriend while he was driving could not be held liable for injuries that occurred when he collided with a couple on a motorcycle. The case centers on a 2009 crash that occurred in Mine Hill, New Jersey, when a teenage driver became distracted by his cellphone and struck a motorcycle, causing both riders to lose their left legs. The injured couple filed a personal injury lawsuit against the texting driver as well as his girlfriend, claiming that she acted ...

Patricia L. Gerbarg, MD, an integrative mental health expert based in New York state who assists 9/11 responders and others to recover from mass disasters, will discuss how to use your breath to heal trauma with host Michele Rosenthal on Your Life After Trauma radio Wednesday, October 31, 2012 at 11:00 am PST, 2:00 pm EST, on the Internet or by phone. Instructions for listening are at yourlifeaftertrauma.com/radio/how-to-listen/. The show can be accessed after it airs at the web site archives. Dr. Gerbarg will discuss how to promote optimal wellness for anyone living ...

NKSJ Holdings, Inc. (hereafter gNKSJHDh) would like to announce that it has been selected for inclusion in the DJSI World index of the Dow Jones Sustainability Indexes (hereafter gDJSIh), the worldfs first and most widely used family of global sustainability benchmarks, on September 13, 2012. NKSJHD has now been selected as a member of the indexes for 3 consecutive years since the company was founded and 13 consecutive years since the subsidiary company Sompo Japan Insurance Inc. has been included. 1. About the DJSI The DJSI is a stock index developed in 1999 ...

Horizon Forest Products and Long Floor are proud to announce their recent merger. The two companies, which have been working logistically as one company for five years, will now operate under one name, Horizon Forest Products. The merger will legally seam together the five branches of Horizon Forest Products and the four branches of Long Floor. The company's nine branches serve customers from Maryland to South Carolina. Horizon Forest Products recently opened its newest branch in Sterling, Virginia. The facility is, located at 113 Executive Drive, Suite 129, occupies ...

Boutique vintner Damian Rae Winery today announced that its 2009 Cabernet Sauvignon is now available to the public. "There's no question that 2009 was a great year for reds, and this handcrafted Cabernet, made exclusively from Napa Valley fruit - will excite even the most discriminating palates," said John Tarabini, president of the award-winning winery. Barrel-aged in 50% new oak, the Damian Rae 2009 Cabernet Sauvignon is a sumptuous hand-crafted, balanced vintage made from fruit from four of Napa Valley's finest vineyards: Coombsville (Coombsville), Godspeed ...

Romane Simon Film Productions has announced that the company's highly anticipated film, "Tragedy of a Mother and Son," will soon hit theatres with a DVD release to follow in early 2013.  According to Romane Simon, a multi-talented individual who is now living his dream to be part of show business, "Tragedy" deals with what has here-to-fore been a subject rarely approached in films, that of incest, although it occurs unintentionally by the film characters.  However, Romane quickly adds, "While incest is explored in 'Tragedy,' the film really centers ...

On Saturday, November 3, 2012, the Burlingame Museum of PEZ Memorabilia will debut what is arguably the two rarest Pez candy dispensers in the world. Created in 1961 as a gift to a current U.S. President, Pez Candy Inc. produced both a Democratic Donkey dispenser and a Republican Elephant dispenser. These two dispensers have an estimated value of $20,000 - $25,000. As recently as September of this year, Pez Candy claimed only two Democratic Donkey dispensers existed, and both are currently in the hands of Pez Candy Inc. Our announcement confirms that a third ...

Carl Hancock Marketing, a marketing consultancy based in Godalming Surrey has been established by experienced marketer Carl Hancock. With expertise in small and medium business marketing, Carl Hancock Marketing offers a complete range of marketing consultancy including, but not limited to, SEO, web design, graphic design, Google Adwords and PR. Established in 2012, Carl Hancock Marketing has over a decade of marketing and business experience. Owner Carl Hancock has run businesses for others, owns his own property company, and has run marketing campaigns for a wide ...

People ages five through twenty are encouraged to submit an application to participate in Voices of Hope benefiting American Liver Foundation and Ministerio Internacional Luz de las Naciones. This event will be on SR 441 at Ricky's Latin Cafe 925-3 S Orange Blossom Trail, Apopka, 32703. Previous events were held at Bubbalou's Bodacious BarBQue Apopka and Shout Entertainment Studio. This is a third-party event for The American Liver Foundation can be located at http://www.liverfoundation.org. The "mission is to facilitate, advocate, and promote education, support, ...

The World of Ink Network will be touring award-winning author Kai Strand's juvenile fantasy adventure book, THE WISHING WELL: Another Weaver Tale, published by Guardian Angel Publishing and her juvenile contemporary fiction novel, SAVE THE LEMMINGS, published by Featherweight Press. About The Wishing Well: Molly Minstrel is treated worse than Cinderella by her mom and sisters. When Molly meets the magical creature, Unwanted, she wishes her problems away. However, you must first understand what you need before knowing what to ask for. Molly will have to look within for ...

EFA Partners, a financial advisory firm focused on arranging financing for the entertainment and media sectors, announced that it has arranged and closed a $50 million financing facility for Modern VideoFilm, Inc., a Burbank based provider of content creation and content management services for the film, television and digital content industries. The proceeds from the long term financing were utilized to fully refinance Modern VideoFilm's existing debt and better position the company to execute on its growth strategies via its recent investments in infrastructure and technology. "The ...

Chrome Auto Emblems has just released a new collection of chrome letters and numbers. A car can look totally customized when chrome letters are added which can be used to add custom advertisements, web addresses, and contact information to their cars and trucks. These letters can be safely applied to any car for the long term because they are adhesive backed with 3M Automotive foam tape. Triple plated chrome Emblems have become an awesome tool used, by car and truck owners, to add bling their cars and make them into a ride with personality and flair. Car badges, letters, ...

No matter what the economy is doing at any given time, goods must be transported to consumers. These factors may be a good reason to take a look at the Transportation Industry. The book Good Economy and Bad Economy, The Right Career, demonstrates that transportation professionals can leverage their experience to enter many fields in the industry. Milton Collier, the author is the President of TranZcenter, LLC (http://www.TranZcenter.com) retired military veteran with over 25 years or experience in the Transportation Industry. The book is current sold on Amazon at (https://www.createspace.com/3792235) ...

NASCAR driver Jimmie Johnson's new book, "On the Road," follows his quest for his sixth consecutive Sprint Cup. In a recent interview with TheCelebrityCafe.com, Johnson spoke of the moments and photos in the book that resonate most with him. "There's one of this big wreck I had at Charlotte in October; it pretty much ended my season at the time and the photos get pretty up close and detailed about that. There's also a photo of my family and I watching the television when my good friend Dan Wheldon died last year in October and just seeing our reactions ...

Whether you are newly building or merely renovating your home or office, the material that you will use for the floors will make a huge impact on the overall design. Most office managers and homeowners prefer the comfort and style brought about by carpeted floors. When you have little tykes running around the house, carpeted floors are ideal because they are slip-free and offer extra comfort. Design-wise, you will have a lot of leeway because carpeted floors can be used as a base for oriental-themed homes, contemporarily designed interiors or even those who are trying to ...

Remember the United Airlines television commercial that shows a montage of people coming off a plane and being greeted by family and friends? The tagline was "We know why you fly..." That concept inspired Feinmann's design center event series this fall called HomeCentric: Living Well in Your Home. What do we mean by that? For years social scientists and psychologists have been predicting that our homes will become ever more important to us as the world around us quickly changes and, indeed, their predictions have rung true. To counterbalance the abundance of ...

The NBA regular season tips off today and Intertops Sportsbook sees the defending national champ from Miami as an opening day winner. The early line sees the Heat as a 6.5 point favorite to win at the Celtics. The popular internet sportsbook - the one that took the very first online bet way back - offers odds and props on every NBA game throughout the 2012/13 season, continually updating its prices on the Division, Conference and Championship titles as the season progresses. "Every NBA team plays 82 games - that's a lot of basketball to come!" said Intertops' ...

To show that they have a firm grip on what's hot in videography and social issues, corporate videographers Domino Effect Production, LLC have a special mission this October. The Susan G. Komen foundation has invested over $2 billion in the last 30 years into research, advocacy and community health focused on preventing breast cancer, an especially swift spreading form of the infamous illness. That is why Domino Effect Productions, the corporate video production company, has chosen to pitch in to help Race for the Cure by donating a portion of their proceeds during this ...

Tablet2Cases.com, the Internet's definitive resource on tablet cases, today reports some nice results - and dozens of happy prizewinners - from the first month of its Facebook-centered Free Cases Daily promotion. In its drive to give away 365 tablet cases from its extensive stock, Tablet2Cases closes out October with seven more quality cases up for grabs and 100% free of charge. "We've seen excellent response and gotten some nice compliments to Free Cases Daily from Facebook users," said Tablet2Cases CEO Pasha Gecko. "And the great thing about internet ...

An article written by Dr. R. Barbara Gitenstein, President of The College of New Jersey, and published by The Huffington Post posits there is a significant difference between the educational aspects of training for a job and planning for a career. The idea caught the attention of experienced high school science teacher Christopher Merrall. Throughout the piece, Dr. Gitenstein reflects upon the responsibility institutions of higher education have to consider the needs of the employment sector when creating and enhancing academic courses of study. She goes on to argue, ...

It is easy for the search engine layman to assume that Google is a fairly static entity, but the reality is that Google is changing all the time, updating its algorithms hundreds of times over the course of a given year. These algorithmic updates are typically minor, but they are never pointless; the search giant is constantly seeking to ensure that the results it delivers are as relevant and as user-centered as possible. On this note, Google recently announced new algorithmic updates that will make local search results a bigger priority than ever before. This development ...