The Ultimate Guide to Lawyers

LGBT Legal Issues: How to Select the Best Lawyer

All over the world there are already many states and countries that allow gay marriages however there is still some that are very against it. This implies that the legal system is not really that equal between individuals who are heterosexual and homosexuals.

This also means that if your partner or you are suffering from any anomaly your partner cannot act in your stead, for example if you are suffering from any medical condition and you cannot make your own decisions your partner cannot also do so, so legal planning is very essential in this case. Also in cases where splitting properties or assets are involved in case you break up having a legal planning prior to this can really help. Even if this kinds of scenarios are hard to discuss you must still be prepared. However of you look at it in the long run, the benefits will surely balance out your investments.

What Legal protection can you both have
Lawyers – Getting Started & Next Steps

Your relationship can be legally defined by many documents. These legal documents could be wills, advance directive, durable power of attorney, co-tenancy agreements, and many others. A lawyer could also write up an agreement of joint custody in the case where you still want to raise an adopted child together after splitting up. Because of these special needs that you both have you will require the help of a lawyer or a solicitor.
How can you Select the Right LGBT Lawyer
The Art of Mastering Services

It remains that the best way of finding the right lawyer is through the recommendation of both family and friends. Prominent LGBT groups can also help you find lawyers if your friends and family members cannot recommend one.

(Getting to Know LGBT Lawyers|What are LGBT Lawyers|Why You Need LGBT Lawyers)

It is advisable to look for three to five lawyers before you settle to one.

You must also ask the lawyers how many years of experience they have and have they helped couples with the same problem as you. It is also a must and is very necessary to ask the fee of the lawyer and the breakdown of such. Always know what the fee involves or what kind of services you are going to expect when you pay such amount of money and always remember to select the solicitor or lawyer that has the more reasonable fee.

It is also very crucial to select a solicitor or attorney that you feel comfortable with and you think you can trust since you are going to divulge personal information about you and your partner.

The best lawyer is some who is already familiar with the legal works of gay and lesbian couples.

Exactly What Does a Government Stimulus Create?

The majority of people today are at least relatively informed about how a huge search engines work. Google, for instance, has a top-secret protocol that it works on consistently, and its aim is actually inevitably the same: to go back the best results doable with the point of view of those people who incorporate Google as their search engine associated with preference. This allows webmasters all over the place to answer by means of undertaking all they can on their own end to really make it to ensure that the website floats up with the organic and natural outcomes of a person’s lookup. What is intended with the term organic and natural? Effortlessly. It implies the google search genuinely observed a company’s site as being one best capable to complement the phrases in the searcher’s mission. The outcome were attained by means of “white hat” means – the Internet site owner offered the standard content, other individuals honestly linked to this best site, etc. since it indeed does best help Google’s user.

The official statement about the accomplishment of the authorities stimulus has to be used by having a grain of salt, for the govt provides in its own discretion every one of the (in SEO vernacular) “black hat” ways on earth to artificially help it become seem to be like the particular using of an industrious American’s taxes money and “committing” them to encourage the particular economic climate is definitely a potentially successful technique. True statistics believe otherwise. Continued investigation within the time period since the stimulus ended up being established has been doing nothing at all yet increase the risk for effects more clear: many people failed.

Just like the purchasing of bogus inbound links in order to synthetically magnify the perception of some sort of web site’s recognition ultimately neglects as it increases the user a site they can’t use, so synthetic manipulation from the economic system by way of a government obama’s stimulus involving what’s probably misappropriated money is additionally a malfunction. It would result in the amounts look good in theory temporarly, nevertheless it does not encourage real growth: genuine investing or possibly real careers. Put simply, it isn’t organic. It does not matter what “specialists” are generally used, or the number of additional hints, suggestions or maybe sketchy tricks some may have got up their particular collective sleeves. Lipstick on the pig is actually lip gloss on a pig, rather than an attractive woman standing in the wings to locate a partner.

Currency Forex Market: theoreticians and practitioners

The foreign exchange market, or Forex Currency Exchange – one of the most popular ways to make money in forex trading today on the network along with futures and options. Science trading dedicated with minimum deposit in forex to the set of portals, literature, forums, and videos. Currency Forex Market on free forex trading account https://freshforex.com/traders/trading/ is a special world with its own special laws, who tried to make sense of many scientists and experts.

The most important indicators of the Forex market

  1. The rates of interest on loans.

They depend on the refinancing rate set by the Central Bank of each country. The higher the refinancing rate, the high rate of interest paid by consumers and the higher the level of the economy in the country.

  1. The rate of inflation.

Inflation – is the process of devaluation of money and the rise in price of goods and services. The higher it is, the more unstable the economy.

These indices are widely used by modern researchers, however predecessors were often based on other approaches. This is an example of fundamental forex analysis. Fundamental analysis of forex is as popular as technical one.

William Gann Theory

He took advantage of the scientific works of astrology, voodoo religion and ancient Eastern beliefs. For all the strangeness of this method he was able to create an effective strategy for the work on the stock exchange and become a legendary trader. Basic tools that he used – it is by their own squares and circles (especially the square of nine). Tracing them certain geometrical figures, Gann got an idea of ​​where the market will be ups and downs.

Wave Analysis Murray

Murray was a student of Gann and adapted its forecast methods for mere mortals, and they still use Forex traders. He used the so-called Gann grid – its square eight, extended in time. The grid is a line with a slope of 45 degrees, which are superimposed on the price chart. They can be used to determine the potential of the trend and track market trends and forecasts for the future. You can do it in a free forex market trading software.

Quantum Analysis A. Duca

According to this scholar, the whole world lives under the same laws, including the functioning of the Forex market. Thus, every system is susceptible to quantization: transfer into the world of particles (space Duca), where it will exist according to the principles of quantum physics. The graphs Duca cost and time are quanta, which makes the operation more intuitive Forex.

The Duca space time flows is not so, as in the material world. The method is considered one of the most difficult, because the trader is required to reconstruct their consciousness a few to adequately perceive the quantum schedule.

All these methods are used to this day in free forex trading software https://freshforex.com/traders/metatrader-4-download/terminal/, and you too can take advantage of them at least for the sake of experiment.

 

Becoming acquainted with Rulette Strategies that Work for Newbies

Roulette is among the a lot of game in the casino that became well-known to players due to its one of a kind offering of excitement and fun. Aside from being a mere amusement, individuals play roulette to make money through betting. Looking for this leads to gamers both beginners and pro to get the best techniques to use in the game roulette.
Roulette strategies as it is well written at http://how.wheretoplayroulette.com/popular-roulette-strategies-you-should-know/ aren’t just those techniques which are perfect for experts but there are also strategies which are specifically for newbies. Some suggestions meant for newbies are also included in the tactic that will make a gamer play as many spins possible. What are some of the guidelines that you should take into account particularly if you are just new in this game. Find below a lot of them.
Observe and Know Game Guidelines
This could be regarded as a fundamental roulette strategy as you may read at http://how.wheretoplayroulette.com site. Knowing the rules first before starting to play is important. The game will be easier for you if you know this.
Allocate Sufficient Budget for Gaming and Stick to it
Make this on top of your list of the best roulette strategy ever. This is applicable to all kinds of gamers. Betting game is very addicting, therefore, it would be a sensible choice to allocate certain budget to lose when placing bets.  This way, you’ll be aware how much you’ve lost at the end of the game. Be sure not to bring your ATM with you to prevent the temptation of having more money to lose.
Pick European instead of American Wheel
European wheel contains a single 0 while American consists of 2. With this, you can see that the European wheel is much more beneficial. This is for you to get more chances of winning.
Play Against Actual Roulette and Not Online Machine
Online games is not as lucrative as playing an actual game. Roulette machines in online betting are not the same as the actual roulette wheel. It is fairly similar to slot machine game. A few online casinos can take away large amount of money from you through this online game. So better, be sensible. As you make use of this tactic, you will surely avoid losing great amount of money.
Stop Playing The Game While Your Still Winning
If you’re fun of gambling, always be clever with making decisions. If you see that you have won enough, quit immediately. This will cause you to get hold of your profits. If you stay longer playing the game, you’ll surely wind up losing. Its better if you have set specific amount that will serve as your signal that it’s time to quit.
Make Sure You are Playing with a Reliable Casino
Don’t forget this roulette strategy to win. Playing in a reputable casino provides you the protection while playing. Other casinos commonly those which are not known employ dealers that are professional in tricking gamblers, so better be watchful where you play roulette.
These pointers are simple yet effective roulette strategy that one could benefit. These tips are ideal for those people who are beginning to play the game.

Home Decorating Fabrics with cheap corner sofa bed

Home Decorating Fabrics with cheap corner sofa bed
Home decorating fabrics are meant to compliment a room. Beautiful fabrics can improve any space. Home decorating fabrics are used in upholstery, couch covers, slip-covers, bed coverings, window treatments, table coverings, etc. A room without home decorating fabric is plain with a cold feeling. Using home decorating fabrics, a space can be transformed into an inviting, warm and cozy place to relax and enjoy with family and friends. 
Because home decorating fabrics are an essential part of decorating a space, it is important to choose those that correspond with the other objects in the room. It’s easier to pick home decorating fabrics if you are using advice and suggestions for a particular decorating design. Without any direction, your interior decorating project can become frustrating and discouraging. Instead of working toward your dream home, you’ll find yourself caught up in a nightmare. 
There are plenty of home decorating themes to choose from. Each of them has their own color and style for home decorating fabrics. With a theme to guide you, choosing home decorating fabrics shouldn’t pose a problem. For example if you choose a tuscan theme, the home decorating fabric choices would include woven textures such as burlap, fabrics made from the abaca fiber and fabrics made from the banana tree fibres, savannah cloth and tobacco cloth. Tuscan home decorating fabrics tend to be heavier but they are very flexible and versatile. If you use the tuscan theme as your guide, these home decorating fabrics could be used for blinds, drapes, slip-covers and even perhaps even area rugs.
If you decide you like the cottage theme, home decorating fabrics would include floral patterns and bright colors. Cottage decorating, with regards to upholstery and the various projects requiring fabric, suggests bold and colourful patterns. Although a floral pattern is the most popular in home decorating fabrics for the cottage theme, printed fabrics with vegetables or fruit are also quite often used. 
Choosing the Victorian theme would suggest you choose home decorating fabrics such as velvet or brocade in rich colors of blue, green, burgundy and so on. Victorian home decorating fabrics are meant to be quite feminine as well as elaborate. These materials are used for curtains, bedding, slip-covers, etc. You might even want to trim these home decorating fabrics with lace, beads or ribbons and putting leather corner sofa bed
These are just a few examples of home decorating fabrics used in relation to different themes. You must choose fabrics that speak to you. It’s also important to remember that home decorating fabrics can be quite expensive. Once you’ve decided on a fabric and purchase it to use in your home, you may have to live with it for a long time. For this reason it is best to be absolutely certain before making that final decision. Home decorating fabrics often require special care for washing. If you’d rather a fabric that is easy to care for, make sure this is considered when choosing home decorating fabrics. Remember this is your space, your decision and it should meet your needs. There are thousands of home decorating fabrics to choose from. By using available resources such as home décor magazines, home decorating catalogues, Internet websites and of course fabric stores in your area, you ought to be capable of making a sensible decision and appropriate choice for home decorating fabrics.

Are You Losing Out on Unclaimed Funds?

Believe it or not, uncashed checks resulting from bankruptcy cases often go unclaimed, but you can now find out if the Federal Court System is holding onto funds with your name on them. There’s a new search tool available that will let you quickly and easily see if there are some funds out there belonging to you that were never claimed.

Accessing Unclaimed Funds

A new online search tool developed by the Federal Court System makes it simple to search for any unclaimed funds simply by entering your last name into the database. The ‘Bankruptcy Unclaimed Funds Locator’ can be accessed through 39 of the country’s 94 court websites. Why would so much unclaimed money exist?

At the end of bankruptcy cases, monies owed are sent (usually via check) to those people that are part of a court case. Sometimes, addresses are wrong, people have moved and other details don’t add up. Many times, these individuals don’t even realize they are owed money and this means that the funds in question become unclaimed and left idle. Unless a person claims those funds (rightfully), there is little to no chance of those funds being returned to the person that was originally owed a specific amount.

What Happens to the Funds?

Bankruptcy courts in the U.S. will hold onto funds for many years. If the funds are not claimed, they are eventually turned over to the U.S. Treasury. It is estimated that around $280 million funds are currently unclaimed in the U.S. Surprisingly, these millions are all sitting idle as a result of bankruptcy cases. How long can one debt linger? It depends on each individual court, but some claimants have managed to retrieve funds going back as far as the 1970s.

Getting Your Money

Step 1 of this process is searching the web to see if you actually are one of those who is owed money. If you do discover that some unclaimed funds are in your name, it might be a challenge to try and claim those funds. Due to complex court systems and laws, getting the money that is owed to you is often easier said than done. The best way to retrieve any funds that are owed to you is to hire a bankruptcy attorney. A knowledgeable and experienced attorney will know the ins and outs of bankruptcy laws and can help you to claim funds that are rightfully yours.

The Effects of Bankruptcy on Your Credit

One of the biggest concerns for anyone considering bankruptcy is how their credit will be affected by filing. Everyone knows there is some impact. Most disagree as to the size or the duration of the impact. That, and how to rebuild are two things I hope to shed some light on in this post.

What if I just grin and bear it?

A question you should ask yourself is, “What is going to happen to my credit score if I don’t file bankruptcy?” For many people contemplating bankruptcy, they are already at the point where they are not able to pay their ongoing debt obligations. If this is you, your credit score is taking a hit every month that goes by where you aren’t making your monthly payments. To give you an idea, once you go 30 or 60 days late, your credit score starts to take a hit. If you let a payment get to the point where it is 90 days late, it will stay on your credit report for up to 7 years and will have a significant impact on your score. Having just a couple of these occurrences could be as damaging or more damaging than filing a bankruptcy in the first place. Because of this, once you recognize that you aren’t going to be able to find a quick way out of the situation, it is probably best to get the bankruptcy wheels moving. The higher your score is before the filing of the case, the higher it is going to be after you file the case and get your discharge.

Debt Resolution Companies and Your Credit.

Many people try to do whatever they can to avoid bankruptcy, for some people this includes entering into agreements with companies that promise a lower payment by consolidating their debt. These companies come in a variety of flavors. That is a topic for another time though. What many of them will do is enter into an arrangement with you where you make a monthly payment to them, then they either hold the money until they have enough to make an offer on any one particular debt, or they make small monthly payments to all of the creditors at once. The problem is, this doesn’t stop those creditors from negatively reporting to the credit bureaus. It also doesn’t necessarily stop the creditors from suing you in state court, obtaining a judgment, and garnishing your wages. Another problem is that if they do settle, it will show up as settled for less than full amount which hurts your score. On top of that, if you settle, you will likely get a 1099 from the company and likely will have to claim the forgiven amount as income on your taxes. That will either mean you will have a smaller refund or will owe.

How long does it stay on your report and what does that mean to you?

First of all, if you are in a tough financial spot and are having trouble paying your rent or making your house payment, this should not be a factor in your decision to file. That said, how long it stays on your report and how long the bankruptcy notation negatively affect you are two very different things. If you file a Chapter 7 bankruptcy, it is generally going to stay on your report for 10 years. If you file a Chapter 13 bankruptcy, that will stay on your report for 7 years after the case is discharged. Seven to ten years seems like a long time. It is a long time, but within that seven to ten year period you can still buy cars, houses, and get credit. The general rule is about two years after a chapter 7 you can get a home loan (sometimes only one year), almost immediately after the case you can get car loan and credit cards. Not too bad right? You should tread lightly here. Look at the offers you are receiving and only accept the best, it isn’t going to help you if you start applying for many cards at once, limit it to one or two at the most. When you can get credit is going to be dependent on your income, and on your credit score. I have seen clients with scores in the 500s prior to filing a Chapter 7 have scores in the 700s one year after the case discharged. On the other hand, I have seen other clients with low scores come back a few years later and they still had low scores. So what is going on there?

How to improve your score after bankruptcy.

If you do as you did and nothing else has changed, your credit score is probably not going to change much. The lowest that your score could possibly be is between 300 and 403 depending on the type of FICO score. The highest that it can be is about 850 but that too depends on the type of score. If you use no credit your score isn’t going anywhere. So what can you do? The first thing that I recommend is going to http://www.annualcreditreport.com and getting all three reports for free. This is something you are able to do once a year. Once you have these, you will want to review them, possibly with the help of your attorney to determine if the credit reporting agencies are properly reporting your debts as discharged in bankruptcy. If they aren’t accurate and they refuse to fix the errors, you may have remedies either through your old bankruptcy case, or a cause of action under the Fair Credit Reporting Act (FCRA). Once your report is in order, you can start rebuilding. A good idea is to start with a secured credit card or with a store brand card. With a secured card, the creditor generally has you put down $300.00 to $500.00 and that becomes your credit limit. There is very little risk to the card holder because they have the security of your deposit, but the benefit to you is that they will report to the credit bureaus. If you are in need of a car, a car loan with a reasonable payment is another great way to improve your credit score so long as you are able to and actually do make your payments on time. My secret credit score repair weapon is IBR. If you have federal student loans and you are low income or living paycheck to paycheck, you should at least look into this program. IBR stands for Income Based Repayment, you can apply for it at the following site. https://studentaid.ed.gov/sa/repay-loans/understand/plans/income-driven. The great benefit of this plan is that many people who had filed bankruptcy may be eligible for $0.00 payments. If you are eligible and you sign up for, and are approved for a $0.00 or whatever payment, each month that passes where you make that payment (yes, even the zero dollar payment, if you are eligible) is a month that your lender reflects as an on time payment to the credit bureaus. The more on time payments you have, the better your credit score will become.

Types of Non-Bankruptcy Resolutions

If you’re considering filing bankruptcy, then you’re already in a tough spot. You’re facing mounting debts and pressure, time is low, and so is money. You need a solution, and bankruptcy offers that. However, there are also various non-bankruptcy solutions or bankruptcy alternatives which are available to you. It’s important to learn more about these and how they work, so that you have a good sense of what all of your different options are.

One resolution is a compromise or negotiation with a lender. In this case, you or a representative will try to work out a direct solution on a lender by lender basis. Is there a way to reduce the monthly payment threshold, or carve out some of the total obligation owed? What about the interest rate that you’re facing? This often applies directly to credit card companies and similar lenders.

This also though specifically applies to loans from financial institutions, regardless of the purpose you originally obtained the loan itself. In some cases, loans can be modified via negotiation or settlement. In others, a compromise based upon the original loan can be reached.

Consolidation of your debt is also an option, but it can be confusing to find a legitimate enterprise, as opposed to a consolidation scam. Having an advisor on your side is therefore key, so you can separate fact from fiction while actually producing the positive results which this course of action offers.

Keep in mind that the type of debt or obligation you’re facing will of course impact the range of potential non-bankruptcy resolutions you have at your disposal. Certain debts you cannot get rid of, even via bankruptcy, while others will be more difficult or perhaps impossible to change or negotiate.

Other debts are far easier to work with, in terms of both removing the obligation entirely via bankruptcy, as well as reaching non-bankruptcy resolutions. Keep in mind, that if a lender or creditor is faced with the prospect of getting nothing from you in return, i.e., bankruptcy, they will be willing to negotiate and compromise so they at least see something.

In all of these cases, that’s why it’s so essential to work with an experienced bankruptcy attorney who can guide you through the process, and has the skills and expertise to successfully maneuver these different debts, financial obligations, and the potential solutions which are available. This can make all of the difference between great financial relief without filing bankruptcy, versus filing bankruptcy. Before you take that plunge, speak with an attorney or legal representative in your local area who can provide you with some guidance.

Brian Tucci tirelessly represents his clients as a bankruptcy lawyer in Maryland. He offers experience, diligence, and dedication, along with affordable pricing.

How You Can Avoid Bankruptcy?

You have been engulfed by a tsunami of debt and are quickly sinking under ever increasing bills and fast growing debts. You have been taking cash from your credit cards to pay the minimum payments and keep your home and the car. After paying all of your bills there is not enough money to live on.

You didn’t plan to get laid off or the insurance company not to pay your claim. That’s not your way; you have always been self-reliant and independent and paid your way. You have been slammed and knocked down, but you know that you will get back on your feet given some time.

There is the stress of constant phone calls from banks and finance companies and the simple lack of money. There is seems to be no way out but to chuck it all in and declare bankruptcy. At least that will get everyone off your back.

Bankruptcy will stop the creditors in their tracks. It will stop them calling and harassing you. It will allow you to re-group and get things back on track. And sometimes there is no other alternative if you debts are too big and too overwhelming.

BUT Bankruptcy is no walk in the park. Bankruptcy is like financial nakedness. You are stripped of all but the bare essentials and made to parade around wearing that burden in public. Bankruptcy sure isn’t for the modest. Your name is put on a public register and remains there for 7 years, You need to hand over to your creditors all that you have of value save for a very very basic car and some tools of trade.

Not only that but you also have a person, called your trustee in bankruptcy, looking over your shoulder to ensure that you are handing over your excess pay and haven’t tried to hide anything. The same trustee can call you to court and grill you over your assets and what you do. You also need to hand over your passport to the trustee. Sure the trustee, most times, will let you travel, but who could afford to in these circumstances. Sure you will have not debts, but bankruptcy is 3 years of penury.

There are ways to avoid bankruptcy and get out of debt without putting your life on hold.

Debt Agreement

There is now an official way that you can do a deal with your unsecured creditors, called a Debt Agreement. Basically using a government licensed Debt Administrator, who is working on your side, you cut a deal with the creditors to take a lesser amount and freeze interest, fees and charges. Instead of lots of payments to all of your different finance companies and credit cards, you make a single payment to the Administrator. The Administrator looks after the creditors and they can no long chase the debts from you.

A Debt Agreement only deals with debts that are not secured. If you have finance on a car you need to keep paying that, but you can keep your car and home. You have more options and you can save a lot of money doing a Debt Agreement.

Informal Agreement

Debt Agreements will only cover unsecured debts up to $107,307 and where your after tax income is less than $80,480. These amounts are indexed and increase slightly every year. If you fall outside those amounts you can’t do a Debt Agreement.

Even if you fall within the Debt Agreement limits this may not be the best option for you. Most Debt Agreements need to be wrapped up over a term of around 4 years. This restricts even further the availability of this option. The sweet spot for Debt Agreements is where your debts are under $35,000. The average Debt Agreement is for $23,000 in total debts.

Informal agreements are agreements struck with creditors to payout debts. These have a lot more flexibility than Debt Agreements. There are no restrictions on the amount of debt or income or the term of any agreement struck. In addition agreements do not need to be uniform with all creditors.

Case Study

Michael, 59, had over $400,000 in mortgage debt jointly owned with his partner and their home was valued at $490,000. Michael & his partner share expenses, with income for the family at $1,500 per week after tax deductions; the income is enough to service the mortgage but not enough for his unsecured debt payments and living expenses.

Michael has accumulated unsecured debts, largely due to investing in their son’s future. He was the only one working while his partner was raising the family. Michael had 6 credit cards and one unsecured personal loan. The credit cards were all maxed out and he was only able to make the minimum monthly payments on them. His unsecured debt totaled $91,718 and the minimum monthly payments on the credit cards and monthly payments on the personal loan cost him $2,000 on top of his mortgage payments of $2,100 per month.

Income totaled $6,300 per month and debt payments $4,100. The balance left very little for other expenses like utilities, rates, petrol and general living expenses. If they sold their home it was unlikely they would be able to buy another property.

Debt Negotiators Advice

An Informal Agreement provided flexibility and enabled Michael he keep his credit rating.

An Informal Agreement allowed Michael to keep the family home and maintain existing mortgage payments. His unsecured debt payment was reduced to $980 per month over 5 years.

Informal Agreement Summary:

1. Reduced his unsecured debts payments from $2,000 per month to more manageable $980 per month thereby saving him over $1,020 per month in order for him to live on a comfortable lifestyle.

2. No interest or fees and charges on the unsecured debt.

3. Total payments $58,800 as opposed to original $91,000 he had borrowed thereby saving him over $32,200 on principal amount over 5 years.

4. Michael will be debt free after 5 years.

5. Michael’s credit rating has been unaffected.

6. Bankruptcy and insolvency avoided.

This example illustrates how an informal agreement can lead to much better results than the traditional insolvency options.

Peter Topperwien is a Sydney lawyer and debt specialist.

5 Questions to Ask Before You Declare Bankruptcy

You may have lost your job or had your salary cut during the tough financial times that the United States just experienced. Unexpected medical bills may have made your finances a nightmare. Bankruptcy laws were designed not just to protect creditors, but to give you the help you need to make a fresh start and get back on firm financial ground. Here are 5 questions to ask yourself that may give you an idea of where you stand financially.

Do you only make minimum payments on your credit cards? If all you can afford – and it’s a stretch – is to pay the minimum amount on each credit card debt, it may be a sign that you’re in over your head and aren’t making real progress at catching up financially.

Are bill collectors calling you? This tells you that some of your debt has gone on so long that the company has turned it over to an agency to see if they can collect from you. Bill collectors can feel very threatening and may be upsetting for you and your family.

Do you feel scared or out of control when you try to make sense of your finances? You may want to get some professional financial advice to see if an expert can help you create a plan to get out of debt, but this is another sign that your financial problems are overwhelming.

Do you use credit cards to buy necessities? If money is so short that you’re turning to your credit cards to buy things like groceries, it’s another sign that you just aren’t getting by – you’re getting deeper in debt.

Do you know how much you owe? Many times when a person is deeply in debt, they may not really understand the total amount owed as the overlook the things they think they can put off to take care of the more pressing debt.

If you answered “yes” to two or more of the questions above, it’s time to do some hard thinking and get professional help to make the right decision. Start by adding up all your assets including banking balances, retirement funds, stocks, bonds, real estate, vehicles, college savings accounts and other assets. Then, add up your debt – all bills and credit statements. If your debt outweighs your assets, it’s time to talk to a bankruptcy lawyer for the advice you need. Find a law office where you work with the attorney – not an assistant or paralegal.

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