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Is Life After Bankruptcy That Bad? It seems that some people do not recognize that dispite some unpleasant aftereffects, bankruptcy is truly a “fresh start.” Instead of being satisfied with the benefits they receive some people remain unhappy. Here is a letter I received: “Why does it take attorney’s six or more weeks to discharge a chapter 13? Why do apartment leasers hold a bankruptcy against you when I don’t see how you could add apartment rent onto your bankruptcy? If life is so miserable after a bankruptcy, why are lawyers constantly telling people it’s okay to file. (They want…

Spanish Mortgages Explained Does the thought of negotiating a property deal in Spanish bring you out in a cold sweat? The complexities of mortgages are confusing enough; let alone considering a different language and legal system. Never fear though, as there are experts who can guide you through the process and do the negotiating on your behalf. Most will speak fluent English, and have a thorough knowledge of the Spanish market and house-buying process. As it has become more and more popular to buy abroad, the options have increased. You can now take out a ‘Spanish mortgage’ with some of…

What are the Legal Formalities for a Wedding in Jamaica? There are many reasons why getting married abroad is popular, and when it comes to getting married in Jamaica, one of the main reasons is the location! What could be more romantic than being married on a beautiful beach, or in an air conditional hotel reception room overlooking the ocean? At one time this was no more than a fleeting dream many brides-to-be would have as they stressed their way through the seemingly endless decisions associated with a traditional wedding at home. These days, more and more couples are opting…

Insurance. Duplicated Insurance Wastes Money. Have you ever worked out how much you spend on insurance? Try totting up your premiums – we suspect you’ll be surprised! You’ll be even more surprised to discover that there’s a probability that you’ve also duplicated some of the cover you’re paying for. Cut the duplication out and you’re certain to save money. Lots of people have insurance cover for legal expenses, loss of income, theft, even death, without even realising it. This can arise because many of us don’t fully understand what’s covered by the policies we have, especially if the policies had…

Asbestos Attorney Are you familiar with mesothelioma, a sickness brought about by exposure to a fibrous mineral? Up to this date, little has been known about the cure of this type of cancer. It was actually in the 1970’s where there was an increase of this medical problem. Employees who were connected in the past to corporations such as shipping, automation, refinery, construction and mining, among the others, came out into the open to press lawful charges with the help of an asbestos attorney. Most of the time, an asbestos attorney directly deal with the families of the complainant who…

Have you ever worked out how much you spend on insurance? Try totting up your premiums – we suspect you’ll be surprised! You’ll be even more surprised to discover that there’s a probability that you’ve also duplicated some of the cover you’re paying for. Cut the duplication out and you’re certain to save money. Lots of people have insurance cover for legal expenses, loss of income, theft, even death, without even realising it. This can arise because many of us don’t fully understand what’s covered by the policies we have, especially if the policies had been arranged for us by…

Budget for Closing Costs – Property Taxes, Legal Fees and Such You probably spent a good bit of time getting disciplined to save money for your home purchase. You need to carry this financial discipline through the escrow period or you could run into problems. Budget for Closing Costs – Property Taxes, Legal Fees and Such When you decided it was time to purchase a home, you went through a number of steps to get your finances in order. You probably reviewed your credit report, cut down on credit card balances and reigned in your spending. A monthly budget was…

I wish I had a nickel for every time someone asked me what the difference is between CPAs and non-certified accountants. Essentially, non-certified accountants can simply hang up their shingle and open their doors for business. There are no educational requirements. If they want to prepare taxes, most states require a certain number of qualified hours of study plus continuing education hours each year. By contrast, CPAs have usually majored in accounting in college; sat for CPA exams covering theory, practice, auditing, and law; worked for an established accounting firm for two years; and, acquired five hundred hours of auditing…

Under the old bankruptcy laws, most debtors chose between a liquidation proceeding under Chapter 7 of the Bankruptcy Code and a wage-earner repayment plan under Chapter 13. Under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), new bankruptcy law, a two-part means (income) test now determines if your are eligible for Chapter 7 or must file under Chapter 13 for relief. And, because the new law imposes stricter requirements on lawyers, it’s harder to find an attorney to represent you in a bankruptcy case. The new law mandates that all debtors must get credit counseling with an…

What Happens When a Pilot gets a DUI/DWI? Your worst nightmare as a pilot – a DUI. Will this end your career as a pilot? What if you are the lawyer representing a pilot? Is this a simple DUI case or will it end your law career with a malpractice lawsuit? I know these questions can light up your eyes to why a pilot is different when they get a DUI. First, pilot or not, you have to follow your state laws. Keep in mind your time frame for appeals or administrative hearings. You could probably get your driver’s license…