Hire A Bankruptcy Lawyer Before Filing For Bankruptcy

If you are considering filing for bankruptcy, you should first discuss all options available with a bankruptcy lawyer. There are many options to be explored before one files bankruptcy, and a bankruptcy lawyer can go over the pros and cons of every option before you file Chapter 7 or Chapter 13.

One option a bankruptcy lawyer can assist you with would be dealing with a payment plan that satisfies your creditors. A competent bankruptcy lawyer can work with your creditors to develop a plan that is affordable enough to meet any budget. This will also keep creditors from harassing you about missed or late payments.

Creditors will be satisfied with most payment plans that are presented to them by a bankruptcy lawyer, because it shows the good faith effort that one is making an attempt to pay of their debts before resorting to bankruptcy.

If a bankruptcy lawyer can not develop a suitable plan for his or her client then he or she can advise the client about which form of bankruptcy would be in the client’s best interest.

A bankruptcy lawyer can file a Chapter 7 bankruptcy for clients. This type of bankruptcy allows one to liquidate assets and property to pay off creditors. When filing a Chapter 7 bankruptcy, one is not required to sell all of their property. A person is able to retain enough for financial stability once the proceedings have been completed.

A competent bankruptcy lawyer would handle the task of filing for the bankruptcy, obtaining documents to prove assets and worth and work with creditors to pay of as much debt as possible from the liquidation proceeds.

If one chooses to file a Chapter 13 bankruptcy, the bankruptcy lawyer can handle the proceedings for these cases as well. A Chapter 13 bankruptcy allows a person 3 to 5 years to pay off his or her creditors following a payment plan set by the presiding Judge.

The bankruptcy lawyer would gather the paperwork required to show how much a person’s earnings are and how much would be a reasonable payment each month.

Bankruptcy does not cover all types of debts, and if one is not sure if a debt is covered if one were to file bankruptcy then they should consult with a bankruptcy lawyer for clarification.

In both types of bankruptcies, both 7 and 13, a trustee is appointed to handle overseeing the payments or liquidation of the assets. If one hires a competent bankruptcy lawyer, he or she would be able to ensure that one has a trustee that is reliable when handling claims.

Before filing for bankruptcy, one should always consult with a bankruptcy lawyer to ensure that there are no other alternatives available that one can pursue. Bankruptcy lawyers handle more than just bankruptcy cases; they also assist in helping a client work with creditors if a client is hesitant about filing bankruptcy.

If one has filed for bankruptcy then a competent bankruptcy lawyer can also provide advice on how one can re-establish good credit. There are quite a number of things one can do to re-build their credit.

If you are in debt, then you certainly should contact a bankruptcy lawyer about your financial problems. He or she can work with you to eliminate your debt using one or more methods. If bankruptcy is considered as your only option, then he or she can handle the bankruptcy proceedings for you. By contacting a bankruptcy lawyer and turning one’s financial troubles over to him or her, one can live knowing that the stress of their debt is being lifted.

This gives one a chance to start a new financial beginning in one’s life.

12 Questions To Ask Before Hiring A Lawn Contractor

What makes your service different from your competitor?

This is an open-ended question that can be asked for a couple of reasons. First, does the contractor understand his own services. Second, if he’s been around for some time, he will also understand his competitor’s services. I like this question not just for the factual answer but also to see the spirit of how it is answered. The contractor should be able to point out the benefits of his own service instead of bad mouthing his competition.

Do you have customer references I can call?

Unless the contractor is new, they should have some readily available references that you can either call or drive by. It is not unusual for a contractor to be hesitant to give out phone numbers of his customers, to protect their privacy. However, they should be able to give you the street address of customers that you can simple drive by and see the quality of their lawn. Most contractors are going to send you to see their “best” lawns, so the question has value in the fact that they are willing to give you the information.

How many years have you been in business?

The answer to this question depends on your personal preference. You may want an established company. However, lawn work is often a young persons business, so hiring someone who is eager to get started and make a name for himself may not be bad.

Do you have insurance?

This is simple – do not hire someone unless they can show you a certificate of insurance.

Are all your employees licensed?

Each state has it’s own licensing requirements. All states require a license of someone who is hired to apply herbicides and pesticides to other person’s property. In general, the license is to be carried by the person. They should be able to show you an up to date license. Some states do not require a license if the products used are organic.

What products do you put on the lawn?

This is another open-ended question. The answer will let you know if the person understands his own products. There are always timing and weather issues for lawn care products. If the contractor is stumbling through the answer you should probably dig deeper: when do you apply pre-emergent; how often do you apply post-emergent weed control; do you use high nitrogen fertilizer; do you use a complete fertilizer (one that contains nitrogen, phosphorous and potassium) or an incomplete fertilizer; what effect do you products have on the root system and the soil properties, etc. You need to pin them down on this question. It’s your environment they are treating and you should know the warnings, value, and consequences of anything they use.

Are there any restrictions on using the lawn after an application?

You will need to know any restrictions on using the lawn following an application. Many applications require that you, your kids, your pets, etc. remain off the lawn for up to two days. If you have a sprinkler system, you may need to turn it off for a couple of days.

How often do you treat the lawn?

The general answer to this question is about every six weeks. What you want to discern is whether they come every six weeks because they have a tight schedule and that’s what works for them OR they vary the time increment to come at a time that is best for your lawn based on timing, rainfall, air temperature, etc.

Is your service guaranteed?

Contractors don’t like this question and with good reason. They are working at the mercy of Mother Nature and it’s hard to guarantee results when they cannot control the weather. What the contractor can guarantee is timely applications, timely control of most weeds, correction of the pH value of the soil, etc. If you chose to ask this question, you may want to let them off the hook by stating “under normal weather conditions”.

Do you verify your employees using background checks?

My comment to this question is it’s better to be overly cautious. The typical time for lawn applications is summer. This is a time when kids are home from school and you know kids are always curious when someone new comes to their home. This is also a time when you have windows open to let the fresh air in. You need to know who is on your property!

How much is your service – what does it include – what does it not include?

Obviously you need to know the cost of the service. You should also inquire about a prepayment discount. In the lawn industry there are a number of add-on services and you should understand what is included and what will be an extra charge. Some common add-on services/charges are: pH (lime/sulfur), grub control, call back charges, and seeding. You can pick and choose which of these services you want, but have the contractor substantiate the charges such as: what is the pH of the soil, have them show you the grubs, etc.

What improvement can I expect to see in 3 months, 6 months, 1 year?

Use this question so that there is a mutual understanding of expectations. Companies that use synthetic fertilizer and herbicides will have a much faster improvement over companies that use organic fertilizer and IPM procedures. Knowing what to expect will alleviate frustration on both sides.

When Looking For a Divorce Lawyer You Need the Right Steps to Help You Choose

When looking for a divorce lawyer you need to way your options very carefully. This is an important decision. The choice you will have to make can make all the difference in the outcome of your divorce.

Everyone looking for a divorce lawyer wants an attorney that is easy to communicate with and one that makes you feel comfortable. The situation is tense enough without adding the stress of choosing a lawyer who you don’t feel is open to your discussions.

When you’re looking for a divorce lawyer make sure you feel you can discuss every portion of your situation openly and honestly with the lawyer before you commit to hiring. You also want an attorney that handles your personal or family matters appropriately and without stress.

Divorces without children and/or several assets can be a little easier when looking for a divorce lawyer. If you are a couple who has a lot at stake such as child custody and expensive assets, you will want to make sure your lawyer has experience or specializes in divorce and family situations.

You can always go by word of mouth from friends or loved ones. While this type of referral is good when you’re looking for a divorce lawyer, you still need to meet for an initial consultation to make sure you feel you’re making the best choice for your situation. To make sure your attorney will meet all your expectations, there are some other ways to check them out.

While this suggestion may seem a little outside the norm, it can give you a first-hand evaluation of more than one divorce lawyer at once. When looking for a divorce lawyer, you can call the local courthouse in your town and you may even want to visit during some of the divorce hearings.

Pay close attention to the lawyers. If you see one that you like, simply get their information and call them up. Seeing them in action can tell you a lot about their character and expertise.

Another way you can go about looking for a divorce lawyer is by contacting the local and state bar association. Depending on your needs, ask for a list of the divorce attorney specialists that they recommend or are members of their association.

You need to know which type you are looking for whether your divorce needs a lawyer in the business of Family Law, Domestic Law, Matrimonial Law, or Divorce Law. Knowing the category will give you a more accurate list of lawyers to go by.

When looking for any kind of lawyer , make sure you have a contract with all the specifications listed. You need to know if your lawyer requires a deposit, whether it is refundable, how they charge their clients and everything that you want done needs to be clearly stated on the contract agreement.

Most people want their divorce settled as quickly and quietly as possible. Don’t let the desire to have it all done quickly, hamper your search to make sure you find the best lawyer for you situation. Take the time up front, before you make your selection, and you’ll be rewarded once the case is closed.

Corporate and Commercial Lawyer and Law Practice Areas

Other than the work responsibilities, the business including corporate and commercial sectors deal with different complex agreements, arrangements, contracts etc. Guidance is a must for a smooth and profitable running of business and legal services. This is the place where a professional corporate and commercial lawyers play a crucial role.

Leading law firms that come with experienced corporate and commercial lawyers are known to serve different participants of the business world, like the entrepreneurs, enterprises, businessmen, corporations, business organizations and various companies. The experts deal with different matters of their clients by taking into accounts the intense competitive business practices and trends.

Through this article, we will come to know more about the corporate and commercial law practices and lawyers in detail. Please go through the points discussed below.

Corporate Compliance

Every national or international business is required to follow some strict regulatory rules and regulations. A breach of such rules can result in corporate probation or may be any kind of ignominious legal actions. Professional corporate lawyers believe that these rules and regulations are essential to follow for maintaining the profitability, goodwill and popularity of any company or corporation. This is why they serve clients with corporate compliance legal services to different sectors of the economy.

Law Practice Areas

If we talk about the law practice areas, the experienced lawyers working in a law firm offer legal assistance for different commercial issues, like advices for the formation of any company, services for varied commercial and corporate contracts etc.

More about the law practices; the attorneys also serve individuals looking for legal assistance related to intellectual property matters, capital market, insurance matters, public relations, industrial relations, human resource management etc.

Research Aspects of Corporate Law

Like a personal injury lawyer and other kinds of professional attorneys, a corporate lawyer also opt for researching different aspects of law including accounting, securities law, bankruptcy, tax law, intellectual property rights and other regulations concerning business specifics. The lawyers always keep one thing in mind that a transaction is not conflicted with different kinds of law including federal, local or state laws.

Team Oriented

As compared to other kinds of trial law, the corporate law is found as team-oriented. Rather than behaving as strict competitors in the court, they work on common goals that can help clients of both. They make use of their incisive mind and skills to make things clear between the parties, both in terms of written and oral form of communication.

Thus, from the above discussions, it can be said that corporate and commercial law practice areas and lawyers come with different aspects as compared to other trial laws and lawyers.

The Work of a Commercial Lawyer

Commercial lawyers are legal professionals who specialize in helping small and large businesses. They are your most useful resource if you ever need assistance regarding legal-related matters. You can always consult with them if you have issues pertaining to properties, taxes, zoning compliance, intellectual properties, and a host of other subjects. On top of that, they are capable of defending you in case you encounter lawsuits from an employee, a business partner, or even your competition.

Competent commercial attorneys are highly knowledgeable on the laws required to protect your best interest and to help you achieve your business goals. To illustrate further, here are some examples of what commercial lawyers do and how they can be a big benefit for your business.

Help you deal with contracts.

As a business owner, you will encounter many different kinds of contracts ranging from those you sign with employees and suppliers, to contracts with partners and customers. Your contracts have to be fair for everyone involved and so you may need the advice of a commercial lawyer. In the same way, you may want to have a lawyer examine the fine details of various contracts being offered to you before affixing your signature.

Organize your business better.

For big businesses, having the right organization is crucial towards achieving long-term success. A commercial lawyer can give expert insights regarding which kind of organization will be most effective for your company’s set-up. Some of the options you can consider are corporation and limited liability company. Your attorney will help you see the pros and cons of each alternative. On top of that, all the necessary documents will be prepared to make sure that the business can run without any legal repercussions.

Acquire properties with greater ease.

Thinking of expanding by acquiring an existing business or property? The process will be so much simpler if you ask for the assistance of your lawyer. The paperwork will never be a headache for you anymore and you will get the chance to look at different angles of the deal. You will be able to avoid falling victim to any potential loopholes once a good lawyer is working side-by-side with you.

Try looking up your local phonebook to see a list of commercial lawyers in your area. Additionally, you can also use the internet to browse information straight from the official law firm websites as well as law-related blogs and sites.