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Alternatives to Filing For Bankruptcy

Before you consider filing for personal bankruptcy, there are alternatives that you could evaluate for yourself. The first would be a debt settlement. In this option you hire negotiators from a company to deal with your creditors and reach an amicable decision on lowering the debt owed. This is a good option for those who are unable to manage even their minimum amounts due each month. It is also an ideal option for those who don’t have equity in the form of a home, land or other assets. It is considered the fastest and cheapest way to becoming debt free that declaring bankruptcy.
In the credit counseling option, you discuss with the creditors and negotiate a lower rate of interest. This reduces the burden substantially. Though safer, it can get considerably expensive. On an average, the debtor is able to become free of his debts within a 5 year span.
Declaring bankruptcy under Chapter 13 will have you on a repayment plan. A court appointed official will take control of your disposable income and this is channeled into your various debts. This can take up to 5 years. This is a good option to relieve you of secured debts like car or housing loans. This is not a good idea for credit card holders as it can turn out to be a much more expensive proposition. Chapter 7 on the other hand is a severe and last ditch option. In this case, you will be relieved of all your unsecured debt such as credit cards, medical bills etc. But you will have to surrender your fixed assets to be sold and the proceeds distributed between your creditors.
For those who own a lot of property, liquidating your assets would be a good option to declaring personal bankruptcy. This can also be done in the case of filing under Chapter 7. Based on exemptions and possible surplus that you may have, it’s best to sell your assets and clear off your debts rather than declare bankruptcy. In all cases, you will have to have an experienced debt lawyer with you. Make sure you hire the services of a company or individual that comes well recommended.…

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Responding to Failed Brakes

When a driver’s brakes fail, he or she will usually panic. While this is a normal response, it is not the most favorable, as panic impedes on an individual’s ability to clearly think through the situation he or she is in. In many cases, individuals with failed brakes can avoid serious accidents if they can focus on stopping their cars.
Typically, an individual can tell that his or her brakes have failed when the brake pedal is no longer responsive. In some cases, this may mean that the brake pedal is jammed or obstructed. In others, it may be the sign of a larger problem.
After determining that his or her brakes are not functioning properly, an individual may have a couple of options for stopping his or her car:
A� First, individuals should warn other drivers of their brake failure by honking and turning on their hazard lights
A� Next, individuals should brush a foot under the brake pedal to determine whether something is lodged underneath the pedal, preventing it from depressing
A� If there is no obstruction, individuals should try pumping on the brake pedal to generate force to stop the vehicle
A� If pumping the pedal does not work, individuals should gently pull on the parking brake lever to gradually slow the car down
After stopping the car, individuals should have their automobiles towed to a repair shop to have their brakes fixed. They should never attempt to keep driving after experiencing brake failure. Unfortunately, not all cars can be stopped when the brakes fail. In many cases, the automobile’s manufacturer or a third-party brake repair shop may be to blame for brake failure.…

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US Immigration Attorney Gehi Says About Basics of AC21 And Labor Immigration Law

What is the American Competitiveness in the Twenty-First Century Act of 2000?

The American Competitiveness in the Twenty-First Century Act of 2000 (also known as AC21) allows for a 3-year extension of an H1-B visa if the candidate’s I-140 has been approved and there is no visa number available immediately, according to Section 104(c).

What is Premium Processing (PP)?

I-140 Premium Processing is available was made available March 2, 2009. It is only applicable to H-1B beneficiaries who faced with the prospect of an expiring H-1B visa. Only H-1B beneficiaries are eligible to request premium processing at the time of filing.

Who is Eligible?

Candidates must be beneficiaries of I-140 petitions, in a category of preference that is designated for premium processing service, must have reached the six-year limit of their H-1B visa stay or will reach the limit within 60 days of their filing, must adhere to section 104(c) of the American Competitiveness in the Twenty-First Century Act (AC21), and must be ineligible for extension of their H-1B status under section 106(a) of AC21.

What Documents are needed?

According to USCIS standards, petitioners must have copies of all I-94, I-797, H-1B, L and Arrival/Departure Records that have been issued to them, a copy of the Labor Certification Approval Letter, as issued by the Department of Labor (only if applying using the EB-2 and EB-3 classifications), and a copy of the I-140 Form petition receipt notice if the form had been previously filed.

What are the Consequences of the New Premium Processing Standards?

Previously, only H-1B holders whose status was set to expire within 60 days or less were eligible to apply for premium processing. Now, individuals have the option of applying more than 60 days in advance of their H-1B expiration, or after their H-1B visa has already expired. This allows for more eligible candidates for the processing program and expands its purview.

Naresh M. Gehi is an Immigration Attorney at Immigration Law providing best Immigration Services US with two offices located in New York and Queens . For assistance in immigration matters, please call (718) 263-5999. For immediate suggestions to your immigration and bankruptcy problems attend Conference Calls on every Saturday 4PM hosted by US Immigration Attorney, Gehi.…

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How To Pick A Great Lawyer

It can be nerve-wracking to find out you need to go to court, but there are things you can do to cut down on the stress. Choose a lawyer who is qualified to represent you and things will be a lot easier. You can find the best lawyer to represent you by following the advice in this article.

Think of what your problem really is before looking for a lawyer. You need to know if you actually need a lawyer. If you are involved in a lawsuit, have been accused of a crime or are entangled in a bitter divorce, you have valid need of a lawyer. Maybe you need a lawyer to deal with an estate. Maybe you just need a lawyer’s advice about a business matter, or something personal. Find the right lawyer to talk to.

Use the advice given to you by your lawyer, but remember that at the end of the day, they work for you. You should tell your lawyer if there’s anything that you don’t like. Your lawyer will always have your best interests in mind, but you are one of many cases that they have.

Speak with your inner circle prior to doing your own research. Friends and family may know of someone who really cared about their case and will show you the same respect. This helps you find someone great right away.

When looking for a business lawyer, try getting some business recommendations. These companies provide services to some top legal players, so that may help you locate some good lawyers. For example, if you’re dealing with small business law, you should speak with a banker, an estate broker, an accountant, and the like. These people constantly interact with lawyers and may give you informed judgements.

When choosing a lawyer, check into their reputation thoroughly. An inquiry into your state’s bar association and online reviews is a great way to see whether or not your lawyer has a built up a good reputation. This can save you a good deal of money, time and stress.

Before hiring a lawyer, contact the bar association in your area to see if they have ever had any complaints filed against them. If there are complaints, you will want to know about them beforehand. A few complaints is the norm; however, give a wide berth to those who have numerous ones.

It always pays to establish good communication habits with the lawyer you plan to work with. When a deadline looms, give your attorney everything and anything that is needed. Being prepared ahead of time will ensure that things go much smoother.

Your case will fall behind if your attorney is too busy. Ask him how much time he can spend fighting for your benefit. Lawyers are generally honest about whether they have time to properly try your case.

A good lawyer can mean the difference between a win or a loss. Choose a lawyer who is qualified and has experience instead of focusing on prices. Remember the tips in this article so you can come out on top after your court date!…