Is Chapter 7 or Chapter 13 bankruptcy right for you? Article provided by Genova & Malin, Attorneys at Law Visit us at http://www.hudsonvalleybankruptcylawyers.com Bankruptcy is a legal process that allows consumers to manage their debts. There are two types of bankruptcy available to consumers: Chapter 7 and Chapter 13. In a Chapter 7 bankruptcy, a consumer's debts are discharged, meaning that they are no longer responsible for paying those debts. In a Chapter 13 case, consumers work with the courts to establish a payment plan, so that creditors can be paid ...

Bankruptcy remains common in Tennessee despite national decrease Article provided by Law Office of W. Thomas Bible, Jr. Visit us at http://www.tombiblelaw.com Many people are pleased when they hear that the number of individuals filing for bankruptcy each year has been declining nationwide. According to a law professor who reviewed data from the National Bankruptcy Research Center, nationwide bankruptcy filings for individuals dropped by 12 percent in 2011 from the previous year. In 2011, there were 5,800 bankruptcy filings per million individuals. This means that ...

Controversial Pop Warner game highlights dangers of head injuries Article provided by Clark, Hunt, Ahern & Embry Visit us at http://www.chelaw.com In 2012, the NFL set a new record: 111.3 million worldwide tuned in to watch the New York Giants beat the New England Patriots, making it the most watched television event in history. While a crushing defeat for the Bay State -- and one most would rather forget -- this record-breaking viewership underscores our national love affair with the game. And with approximately 4 million young adults playing football each ...

Cooperative lawsuit illustrates risks of 'unintentional' discrimination Article provided by Pentiuk, Couvreur & Kobiljak, P.C. Visit us at http://www.pck-cooplaw.com Cooperative housing associations are unique in that the members screen and select new residents to the community. While housing cooperatives do have a certain degree of latitude in deciding who will be allowed to join the community, it is important to remember that cooperatives are still required to follow the anti-discrimination policies outlined in the Fair Housing Act. The FHA covers both ...

Inefficient banks fall short in modifying mortgage loans Article provided by Durand & Associates, P.C. Visit us at http://www.durandassociatespc.com/ The financial crisis may be easing somewhat, but many Texas families still face the possible loss of a home to foreclosure. A federal program to help homeowners has been less effective than hoped because large banks have done such a poor job implementing its provisions. Mortgage loan modifications save homes When a borrower falls seriously behind on mortgage payments, there is an alternative to the bank foreclosing ...

Massachusetts alimony laws changed after reform efforts Article provided by Saunders & Saunders, LLP Visit us at http://www.saundersandsaunderslaw.com After much concentrated effort and debate, Massachusetts' alimony laws have changed, and the changes apply immediately to alimony judgments entered on March 1, 2012 or later, with the changes potentially applying retroactively for people who seek to modify their alimony judgments at later times in 2013, 2014 and 2015. The change in how alimony is calculated Under the new laws, alimony is treated similarly ...

Assisting children through a difficult divorce Article provided by Saunders & Saunders, LLP Visit us at http://www.saundersandsaunderslaw.com Divorce can be a stressful and emotional process. When children are involved, it can be even more challenging. Decisions about child custody, parenting time and what is best for the child come into play. Several things prove to be important for parents to make the process as smooth as possible for their children. The following tips may help parents ease their children's adjustment. Hide the fighting Children often ...

Qualifying for a mortgage or loan post-bankruptcy Article provided by Thomas G. Waldstein, Attorney at Law Visit us at http://www.thomaswaldsteinlaw.com With the financial difficulties in recent years, more Americans than ever have been through a bankruptcy. Once the bankruptcy discharge has been received, many people are unsure of how to begin the return to financial health. This uncertainty is understandable. When you file for bankruptcy, it remains on your credit report for up to 10 years, which can cause your credit score to be low. Since lenders rely on ...

Increased Missouri traffic fatalities partially caused by distracted driving Article provided by Law Offices if Dan Moody and Paul Wacker, L.L.C. Visit us at http://www.moodywackerlaw.com For those of us frequently on the road in Missouri, statistics recently released by the Missouri State Highway Patrol are troubling. According to the report, the number of fatalities caused by motor vehicle accidents in Missouri was higher in 2012 than the year prior. In 2012, the highway patrol reported that 818 people died in traffic accidents in the state -- representing ...

One in four US women harassed at work, but few come forward Article provided by Yadegar, Minoofar & Soleymani LLP Visit us at http://www.bestsexualharassmentlawyers.com/ Roughly one in four U.S. women has experienced sexual harassment in the workplace, according to a poll conducted in 2011 by ABC News and the Washington Post. As high as it may seem, this figure actually represents a substantial improvement from just two decades ago, when the sexual harassment rate was nearly one in three -- but there is still a lot of room for improvement. An important part ...

Burger King franchisee settles sexual harassment suit for $2.5 million Article provided by Yadegar, Minoofar & Soleymani LLP Visit us at http://www.bestsexualharassmentlawyers.com/ The nation's largest Burger King franchisee has agreed to a $2.5 million settlement with the Equal Employment Opportunity Commission over widespread allegations of sexual harassment, Reuters reported recently. Beginning in 1998, the sexual harassment litigation against Burger King franchisee Carrols Restaurant Group Inc. was one of the longest-running cases in EEOC history. In ...

Truck accident fatalities increased in 2011 in the US Article provided by Taylor & Ring Visit us at http://www.taylorring.com/ Motor vehicle accidents are one of the most common causes of fatalities across the country. Unfortunately, statistics recently released by the National Traffic Safety Administration indicate the number of people killed in many types of traffic accidents -- and specifically large truck crashes -- is on the rise. According to the NHTSA, more people died in truck accidents in 2011 than the year prior. In 2011, 3,757 people were killed ...

A brief overview of wrongful death suits Article provided by Volkema Thomas Miller & Scott, LPA Visit us at http://www.vt-law.com It is always difficult when loved ones pass away, especially when someone else's negligence or misconduct caused the death. In these cases, it is possible for the families of the deceased to pursue damages through a wrongful death lawsuit. What is wrongful death? A wrongful death occurs when someone dies because of the negligence or misconduct of a third party. The third party could be another person, a company or other entity. ...

Are rising traffic fatalities in FL due to distracted driving? Article provided by Parvey & Frankel Attorneys, P.A. Visit us at http://www.parveyfrankel.com In recent years, across the country, concerns have increased regarding the dangerous consequences of distracted driving. As cellphones have become an ever-present gadget by our sides, a rise in the number of motor vehicle accidents caused by drivers distracted by such devices has been noted. In response, many states have enacted legislation prohibiting certain types of distracted driving. For instance, ...

Collision between a car and a truck shuts down highway for hours Article provided by Turley Law Firm Visit us at http://www.wturley.com/ An accident so bad investigators called it "Frankencrash" recently shut down Interstate-35E for about three hours. The accident occurred after a driver in a passenger vehicle cut off an 18-wheeler truck. As a result, a tractor-trailer rig overturned and about a dozen other vehicles were damaged. Investigators say that the driver who caused the accident was arrested at the scene for numerous charges, including driving ...

Divorce after 50 brings unique challenges Article provided by Law Firm of Susan K. Candiello Visit us at http://www.candiellolaw.com The divorce rate among couples over 50 has been moving steadily upward in recent years, drawing attention to specific issues faced by those who divorce later in life. While divorce at any age can be a struggle, the financial stakes often become higher as couples near retirement age. Not only have older couples had more time to acquire assets and property, which must be divided upon divorce, but they also typically have fewer working ...

Retirement assets and qualified domestic relations order in divorce Article provided by Law Office of Victor Mordey Visit us at http://www.thechulavistalawyer.com One major component of state divorce proceedings is the division of marital property between spouses, and it is the subject of most divorce-related litigation. In addition, when it comes to retirement plans, the legal issues become slightly more complex, given that federal law governs particular retirement plans under the Employee Retirement Income Security Act. Under ERISA, if a participant in certain ...

Long-term consequences of a Connecticut drunk driving conviction Article provided by Knight & Cerritell LLC Visit us at http://www.kclawyers.net/ It's a terrible feeling; being pulled over by Connecticut law enforcement officers on suspicion of drunk driving. The offense of drunk driving is popularly called driving under the influence, or DUI, though in Connecticut the charge is Operating Under the Influence of alcohol or drugs, or OUI. For those who are eventually convicted of OUI in Connecticut, life can be different for quite a while. One of the after-effects ...

Debt settlement scams Article provided by CBG Law Group PLLC Visit us at http://www.cbglawgroup.com Debt can often be a scary and overwhelming concern for many people. Creditor harassment can make a person desperate to make the problem go away. Many people, lured by promises that debt will go away, turn to debt settlement companies for help. Unfortunately, many debt settlement companies are running scams that only lead to more problems for a person struggling with debt. Signs of traps Debt settlement companies that run scams are a new threat to consumers. ...

What every parent should know about paternity in Texas Article provided by Philip Placzek, Esq., Attorney at Law Visit us at http://www.placzeklaw.com/ Paternity, or legal fatherhood, refers to a father's relationship with his child in the eyes of the law. There are a number of reasons why paternity is an important issue for all Texas parents -- mothers as well as fathers. Legal paternity is more than just biological fatherhood. It establishes a set of rights and responsibilities that exist between a father and his child. In Texas, a child born outside of marriage ...

UCLA Study Finds Signs of Chronic Traumatic Encephalopathy in Living Patients Article provided by Joseph T. Barberi, P.C. Visit us at http://www.josephbarberi.com/ Traumatic brain injuries (TBIs) are a serious problem in the United States. According to the Centers for Disease Control and Prevention (CDC), approximately 1.7 million people in the United States suffer a TBI, usually in the form of a mild to moderate concussion. Experts estimate that the direct and indirect costs of TBIs - including both medical costs and lost productivity - in the United States run ...

Immigration and deportation: Obtaining legal status in California Article provided by Law Offices of Mark A. Davis Visit us at http://www.madlawonline.com The American dream is not an ideal only known to the American people. Many individuals from other countries know of it too and try to come to the United States in order to create a better life for themselves and their family. In recent years, much debate has surrounded immigration with some states taking a harsh stance on the issue. A recent bill in California appears to have a different view. The recent veto Recently ...

Understanding Complex Regional Pain Syndrome Article provided by FINBURY & SULLIVAN, P.C. Visit us at http://www.finburylaw.com Complex Regional Pain Syndrome, or CRPS, is a potentially debilitating chronic pain condition that experts believe is related to dysfunction in the central or peripheral nervous system. It is sometimes referred to as reflex sympathetic dystrophy, or RSD. CRPS/RSD typically affects people who have suffered a traumatic injury such as may occur in a car crash or industrial accident, as well as those who have undergone surgery. In some ...

The importance of estate planning Article provided by Cohen Fineman, LLC Visit us at http://www.cohenfineman.com/ When most individuals hear about the need for an estate plan, they believe it only applies to the elderly and the ill. Estate planning, however, is important for everyone; even single, young, healthy adults. Estate planning helps an individual plan for the future and gives the court guidance as to what to do if that individual, for an unexpected reason, can no longer make decisions on his or her own. Common misconceptions A common misconception ...

Avoiding probate in Florida through proper estate planning Article provided by Shams Law Firm, P.A. Visit us at http://www.shamslawfirm.com No one ever wants to think about death, but it is important for individuals to plan for how their assets will be distributed at the time of their deaths. Without a proper estate plan, the issue of who will get a decedent's assets can be hotly contested. Even if the decedent left a will, his or her assets will usually need to go through probate before anyone can take ownership of them. Probate is the procedure through which the ...