The Different Chapters of the U.S. Bankruptcy Law

The more than 1.5 million Americans who filed for bankruptcy in 2010 clearly shows the financial hardship suffered by many individuals and families in the U.S., especially by those falling in the lower-income bracket. These financial problems are not caused by reckless spending, that’s for sure, but by job loss and cost of medical treatment.

Besides loss of job, a direct effect of the 2008 – 2009 Great Recession and the struggling economy, and an accident or illness that requires medical treatment, other causes of financial hardship that hit many Americans like plague were divorce, reduced pay, and death of a bread-winner in the family. These have resulted to families and individuals diverting available funds to basic needs rather than to paying debts and monthly bills; these, in turn, lead to debts accumulating, eventually growing to an amount that makes these impossible to settle.

It will take only about three months before creditors start referring bad debts to collection firms. These firms have only one purpose: to make debtors pay. Thus, they do not hold back employing whatever tactics they have in their bag, especially those that will scare debtors and make them decide to pay.

Overwhelming debts can definitely cause too much stress and worry. These, however, cannot ruin any person’s life, thanks to bankruptcy, a legal way of freeing oneself from unsurmountable debts. Bankruptcy is the government’s way of helping individuals, families and businesses find the best way they can pay their debts and regain control of their finances. Protection from creditors and collection agencies, which is provided by the U.S. Bankruptcy Code, is made through the Code’s different chapters, each designed to address debtors’ specific financial situation. This Bankruptcy Code’s different chapters include:

– Chapter 7 – also known as liquidation bankruptcy. Under this chapter, a court-appointed trustee is tasked to liquidate all non-exempt assets and properties surrendered by a debtor (non-exempt assets may include a second house, a vacation house, a second vehicle, expensive tools or musical instruments, jewelry, etc.). The cash raised will be used to pay a debtor’s secured debts and the remaining amount, if there is any, will be returned to the debtor.

Secured or non-dischargeable debts include government-related debts, child support, alimony and student loan (under certain conditions). Other debts, which a debtor has, like credit card bills, medical bill, past utility bills, personal loans, and so forth, are called dischargeable debts ; the court can decide to free a person from these debts.

– Chapter 11, which is also called business bankruptcy, allows a business to restructure its finances (repayment plan) for more affordable payments. Though Chapter 11 is risky, time-consuming and expensive, many small corporations, limited liability companies, and partnerships choose it because it is the only chapter that allows firms to restructure and continue business operations.

Chapter 12 is designed for families of farmers and fishermen with a regular annual income, which own and operate the fishing or farming business, or which own at least 50% of the farming or fishing business.

– Chapter 13, which is a reorganization or restructuring type of bankruptcy, allows debtors to design a debt payment scheme. A Chapter 13 plan usually lasts for three years, but may be extended to five years if allowed by a court. Unlike in Chapter 7, a debtor is not required to surrender any of his or her properties for liquidation.

In the Ryan J. Ruehle Attorney at Law, LLC, website, it is said that getting back to financial solvency, no matter how difficult your financial situation may be, is always possible; thus, losing hope, while this may be understandable, is still a very poor and lame excuse. By filing for bankruptcy through the help of a highly-skilled bankruptcy lawyer, regaining control over your financial is now within reach.

Debts that can be eliminated through bankruptcy

Filing for bankruptcy should only be viewed as the last resort, because depending on the type of bankruptcy you file for or which one you would qualify, you might end up losing everything you own. Talking with a bankruptcy lawyer in your area and exploring your options is the best way to ensure that you will have a smooth financial solution to your woes without having to sacrifice so much. For those wondering if they can go ahead and file for Chapter 7 bankruptcy, here are some facts that you need to understand first.

Many Americans are not aware of their options which lead many residents of North Carolina believing they would lose all of their properties when they file for Chapter 7 bankruptcy. This is not the case, however; a great majority of people who has filed for bankruptcy end up keeping their properties due to exemption laws. For Chapter 7 bankruptcy, also known as “straight bankruptcy”, is a federally-organized process aimed to discharge unsecured debts such as medical bills, mortgage and personal debts, and credit card debts. Usually, this type of bankruptcy takes 4-6 months to complete and ends when the Bankruptcy Court releases a discharge which will serve as a permanent injunction preventing creditors from collecting anything from you.

A Fayetteville bankruptcy lawyer will have an understanding of which debts can be eliminated and which ones will remain. Exempt properties are the ones that will be kept by you, while the nonexempt are the ones that will be handled by the bankruptcy trustee and the proceeds will be distributed to your creditors. Because of the differences in exemption laws in various jurisdictions, it is important to have a bankruptcy attorney because they will be the ones who will classify which properties are exempt and nonexempt.

Workplace Injuries

In worst case scenarios, severe harm, and even casualties can be caused by accidents. Occupations like construction are physically working on the body. As well as this day-to-day wear and tear on the body’s muscles, workers are put by working as a worker in an increased danger of enduring a critical work-related injury. According to an attorney website (view website to learn more), many of the reported work-related injuries are caused by repetitive motion or unsafe worksites. Employees frequently suffer from back ache due to this persistent motion, neck, shoulder, and knee.

In 2012 Michael Simermeyer was murdered when working on a construction site. A tractor crane was caused by a frayed cord to collapse which crushed him. Recently, from Yonkers Insurance, his parents have collected one million dollars in July of 2013 for missing to monitor and keep the working condition. Employees compensation projects are put in place to be able to protect workers in high-risk environments. In instances the families like the family’s, of work- benefits can sometimes acquire in the party responsible for a wrongful death suit.

The recovery process is a critical schedule to respect when a victim survives a traumatic injury. Prolonged rest, nourishment, and treatment are necessary so that you can recover. Workers are eligible for a greater sum of money to get a longer number of time when an injury like an amputation occurred as an outcome of the negligence of the entire property’s management.

Cash paid to injured workers is meant to include multiple costs. Besides this payment, injured workers are eligible for financial compensation for medical prices. Worksite sufferers may want reconstructive surgeries just like a rhinoplasty or expensive prosthetic gear that they shouldn’t be responsible for buying out-of-wallet. View website to learn more about these types of injuries.

How to Create Marketable Content

Your website can have the best specs around. It can adhere to the trendiest aesthetic principles of the day. It can have all the cool coded features that attract your audience to go into a clicking frenzy. But at the end of the day, you can come up with absolutely nothing new and the investment for a purely pretty picture can amount to absolutely nothing.

Why? Well, according to the website of Kinetic Word, this can be attributed to the simple fault of bad content. Think of today’s marketing a bit like dating. The definition of it has changed over the years, definitely, but the basic principles of starting and maintaining a relationship remains. These days, it’s all about that individual connection. In order to build a relationship, there needs to be a foundation of mutual trust.

So how can you create marketable content with the goal of attracting a prospective client? It’s just like dating. You get to know your audience first – figure out what it is they’re interested in and why they would want you in the first place. This can be done by asking them questions (surveys, spouting out a question that can generate answers online such as through social media) and then using the data in order to give them more than what they want but what they need.

Then, don’t sell the idea – in a traditional way, at least. People in this day and age don’t take the shallow route and just believe everything they hear and read on the internet. They are more hypercritical of the information they consume through the media and so it is the job of content writers to provide content that is not only engaging and relevant but also accurate and new.

Old methods simply throw in keywords that don’t matter for the sake of getting a few hits. But, in truth, hits can be bought – but loyal clientele takes heart and hard work that cannot be artificially manufactured.

Excessively Top-Heavy Women May Qualify for Free Breast Reduction

Having disproportionately large breasts may cause a woman many issues. Their ability to participate in sports and other physical activities is limited, and they may face serious back and neck problems. Sweating in chest area may make falling asleep uncomfortable.

Women who have a cup size of DD or larger may be eligible for their insurance company to pay for a breast reduction surgery. The costs to these women may be as low as a simple hundred dollar deduction.

In order to qualify, however, the woman must prove that her reduction is a medical necessity.

To do this, insurance companies typically decide based on the weight of the tissue to be removed (it should be 1 to 4 pounds). Most women with a cup size of DD or larger pass this test.

Once the surgery has been approved, there are many things to consider before going under the knife. Firstly, breast reductions come with many potential consequences. Scarring is usually permanent, and in some cases, feeling in the breast and nipple may never return. The risks that come with all surgeries—such as heart attack or death while under anesthesia—apply as well. Most experts estimate that anywhere from 10-50% of women who undergo a breast reduction experience complications.

However, the surgery comes with many considerable benefits as well. The woman may be much more comfortable doing everything from jogging to wearing a swimsuit at the beach. Unwanted attention that comes with having large breasts is often reduced, and back and neck pain may be completely gone.

If you or a loved one are considering a breast reduction surgery, check with your insurance company to see if it could be deemed a medical necessity first.

3 Restaurant Website Design Tips

It’s a well-established fact that having a website with a good design can help build business. Restaurants benefit greatly from having properly built websites, and including a few key details in your restaurant page’s design can improve it dramatically.

First of all, you want to be sure your restaurant’s address, location, and hours of operation are clearly visible on every page. This is the main thing most people will be looking for when they come to your website, so make sure it’s easy to find! Including it in a sidebar or footer is not a bad place to start.

Good design follows user expectations. As a person who’s looking up a restaurant on the internet, it’s reasonable to expect to be able to find the menu on the site. This gives customers a clearer picture of  what the food is like, as well as how much they’re likely to spend. Having your menu and prices on your site is important to your customers, so it should be important to you.

Follow a design that goes with the image you want to convey. It doesn’t make sense for a greasy, down to earth BBQ restaurant to have a super sleek, modernized design when a simpler one can get the message across without losing appeal. Staying true to your vision is an important aspect of creating a design that will allow your uniqueness to shine through.

Static vs. Fluid Imagery

As web design has increasingly come to embrace more complex design elements, one choice that has been opened to designers has been the decision whether or not to include fluid, or moving, imagery. Fluid imagery can come off as either compelling or distracting, so the choice isn’t simply one of aesthetic preference, but rather requires careful thought in relation to what purpose the imagery serves and how it fits in with the overall design goals.

Two different websites can show some of the benefits and drawbacks of fluid imagery. The first,, features a slideshow of images and attached captions linking to various articles and pages the agency is trying to highlight. The benefit of this approach is that it creates an appearance of interactivity with the site, and helps to encourage greater focus and participation on the part of visitors. However, it also can be distracting for site visitors, particularly as the slideshow moves slightly faster than many visitors may be able to read the captions.

A better approach is that taken by, which similarly features a fluid slideshow of images on the home screen. However, these images are unattached to any other content, and are only for aesthetic purposes, which renders them less distracting. In addition, the fluidity is not cyclical; that is, there is a progression of three separate images, the last of which is then rendered as the homepage’s static image. This is an interesting take on fluid imagery, and one which helpfully balances its benefits and drawbacks.

Visual Segmentation

On most web pages, there are multiple different pieces of information, options for navigation, and even simply visual design elements competing for a site visitor’s attention. Without a design structure to differentiate these various elements and help guide viewer attention, this abundance of information can often be distracting or even overwhelming. Therefore, visual segmentation is often a key strategy to helping organize a site visitor’s experience.

The website achieves this goal in one of the simplest possible ways, largely differentiating various aspects of the site through separate color schemes. Thus, the main written content is black text on a large white background, the navigation toolbar is a white and grey line at the top, the sidebar is white text on red navigation buttons, and blue borders separate each discrete piece of the site. This is a simple but highly effective strategy that helps to easily organize large amounts of information.

The Department of Justice’s website,, opts for a different approach. Because the site follows a color scheme of black, white, and gold, itself a pleasant aesthetic choice, visual segmentation through color alone isn’t a viable option. Instead, the site more aggressively separates each of its component parts into discrete entities, emphasizing the use of white space to help visitors to mentally distinguish the various elements of the site. It isn’t quite as effective as the simpler color segmentation process, but it’s pulled off well enough to still keep visitors from being overwhelmed.

The Benefits of Integrated Color Schemes

One of the most basic yet sadly overlooked elements of web design is simply the integration of design elements into a coherent whole, and color scheme is probably the easiest way to achieve this goal. With the abundance of resources easily and freely available online, no site’s design should employ a color scheme that is not, in some way, coordinated. As the website demonstrates, the benefits of such a simple step can be remarkable.

The website’s overall design is fairly straightforward, and benefits from a minimalist approach which emphasizes only the most critical information for site visitors. However, this minimalist design would not function effectively without a visually compelling color scheme. Fortunately, the site’s design encompasses a relaxed olive green over a sleek white, with shades of grey delineating different areas of the site. This gives it a professional appearance that allows the overall design structure to succeed convincingly. Using color well, even a simple web design could have a polished appearance typically associated with more complex design elements.

Why Good Web Design Can Help Your Business

Now that technology is intertwining itself into more and more aspects of our lives, it’s becoming increasingly important for businesses to keep up. While it may be difficult to fathom, many small businesses do not have a dedicated website. Some business owners don’t see the point, especially when they believe it’s easy to manage a Facebook page and Twitter feed on their own.

Having an official website legitimizes a business’s web presence in a way that Facebook and Twitter cannot. Potential customers are much more likely to search for a business’s website than its social media feeds. A good strategy is to have the official website linking to the social media pages and vice versa. Interlinking your sites demonstrates that they are, in fact, your sites and increases traffic to each of them.

This traffic boost can increase your customer base, improve your image, and pass along your message by word of mouth. However, a poorly-designed website can detract from all of the boons of having a site up in the first place. Being sure to have a website that is well-optimized, fast, and easy to navigate will help customers find what they are looking for with minimal effort, allowing you to serve them without actually being present.

The best websites follow modern design practices and aim to make navigation as simple, visually appealing, and readable as possible for the visitor. Visitors who have an easy time navigating your site are more likely to find what they are looking for and therefore more likely to become customers.

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