Author: Leona Grant


How Will Filing For Bankruptcy Impact Me?

filing for bankruptcyFiling for bankruptcy is no walk in the park and to reach such a difficult decision requires a lot of time and mental strength. Once you realize that there is no way out of your financial pit then you need to start looking for a bankruptcy attorney.

Many people are of the opinion that hiring a bankruptcy lawyer will only increase your expenses and this is the last thing you need under the circumstances. However, if you don’t hire a lawyer as soon as possible then you could risk losing everything that you have to parties to whom you owe money. The sooner you bring in an attorney the faster you can start afresh. Wallowing in your financial mess will only worsen your condition with time and the only way to salvage yourself is by calling in a lawyer who can help you file for liquidation. Your lawyer can help you to understand about loan modification even better.

Filing for insolvency is a complex procedure that needs expert help right from the beginning to the end. A successful filing will help you gain freedom from your creditors and this is exactly what you need when you have people harassing you to pay outstanding dues. If you had the money you wouldn’t be filing for bankruptcy but most creditors don’t seem to realize this vital point. A good lawyer will help you keep the creditors at bay till you can stand up on your feet again.

That’s why it is mandatory to have a reliable bankruptcy attorney in hand at all times. You don’t know when you might require his/her legal advice. While you might be looking to save every penny while filing for insolvency, paying a lawyer to help you is a good thing to spend on. Some people frown upon this expenditure but it is vital you successfully file for bankruptcy if you want to be relieved of all payment pressures.

Of all the legal proceedings that a lay person may have to face, bankruptcy is one with far reaching consequences for all concerned. It would need an expert bankruptcy lawyer to suitably allay concerns. Or at least make the picture clearer for the individual filing for bankruptcy. These concerns could relate to the long-term implications for the family. Would it entail a loss of the family home? What would happen to family heirlooms? What about the vehicles owned by the individual or his/her family members? Will they be seized? Or can they be saved?

A bankruptcy attorney would be the best person to address queries related to procedural issues and implications. An important fact to be noted is that while bankruptcy cases are filed in United States Bankruptcy Court (units of the United States District Courts), federal law governs procedure in bankruptcy cases. However, state laws are often applied when determining property rights. So, where you reside or where your family home is located would make a difference something only the bankruptcy lawyer would be able to tell you. It is state law which will help in deciding the validity of liens or rules protecting certain property from creditors.

It would usually be unwise to generalize some bankruptcy issues across state lines as state laws play a major role in many bankruptcy cases. These exemption laws vary greatly from state to state. In some states, exempt property includes equity in a home or car, tools of the trade, and some personal effects. An asset class such as tools of trade will be exempt under a more general exemption for personal property rather than by virtue of its class in some other states. The fair debt collection practice act is very much important to your business as well. You may ask propoer assistance from you laywer about it as well.

Since voluntary bankruptcy cases are filed by debtors, they would naturally be concerned about whether or not bill collectors will stop harassing them. Only an expert bankruptcy attorney can clarify which Chapter/s and/or amendments to the law are applicable in your specific case and will be able to help define estate’ so as to cause least prejudice to the client.

Why The Fair Debt Collection Practices Act Is Very Important To Your Business

The Fair Debt Collection Practices Act was enacted to address and reduce the problems associated with harassing debt collectors. It does, however, offer benefits to collection agencies as well. Through these laws and regulations, the Fair Debt Collection Practices Act encourages collection agencies to act in a professional manner when attempting to collect a debt.

Those that are in the business of extending credit have a reasonable expectation of being paid back. Whether a product is delivered with the agreement to pay upon receipt or an individual is issued tens of thousands of dollars in unsecured credit card cash advances, the lender is entitled to being paid back.

Clearly, there are instances when the lender is not receiving the payments they are due. There can be several reasons for this. Sometimes, the borrower may be experiencing financial difficulties and needs more time to pay their debt. However, at other times, they may simply be irresponsible about paying their debt and they default. Whatever the reason, the lender is fully within their rights to seek and expect payment.

Debt Collection

This is where collections agencies come into play. Their goal is to acquire the payment due their clients. However, they may not take a Wild West style approach and do anything they wish to do in order to recoup a debt. This is where the Fair Debt Collection Practices Act comes into play.

The Fair Debt Collection Practices Act was enacted in 1978. There have been added amendments and modifications to the Act that have altered it in some ways. For example, a new clause to The Fair Debt Collection Practices Act states that a debtor in collections can request the collection agency to cease further contact with him/her, and the collections rep must comply with this request.

Consider though, that this does not prevent the collection agency from pursuing a valid debt. Collection agencies are still within their rights to inform the debtor of their intention to pursue the debt via other legal channels, namely through an attorney.

To know about the loan midification visit

This will only occur if the debtor informs the collection rep in writing. If the communication has stopped because of the inability to reach the delinquent payer, then it is legal to pursue third parties in a courteous, non-threatening manner. Additionally, the collection rep will not be allowed to disclose the call is over debt issues so as not to invade the privacy of the delinquent payer. Do these rules seem somewhat skewed to help out the delinquent payer? To a degree, yes; however, they also help the collection agencies stay out of trouble by engaging in unprofessional conduct.

As these rules and laws clearly demonstrate, the purpose of the Fair Debt Collection Practices Act is to eliminate unprofessional and abusive behavior on the part of some collection agencies. Such behavior undermines the credibility of the business and also makes it difficult to collect revenues. After all, who wants to deal with collection agencies that are abusive?

Collection agencies found to be in violation of The Fair Debt Collection Practices Act and Your Rights. can be penalized in a number of ways, to include legal actions. They can also have their license revoked. Most common are fines levied against offending agencies. However, collection agencies are within their rights to appeal these fines.

The Fair Debt Collection Practices Act is both lengthy, and can be somewhat complex. Thankfully, it is posted in its entirety on the Federal Trade Commission’s website. We will be really happy if you just say hello and share your views with us.

Understanding predatory Loan Modifications – What You Don’t Know Could Hurt You

predatory loan 01Lenders are swamped with applications from home owners that are in default and don’t have the man power to keep up with the demand from home owners that want to save their homes. The dream of home ownership seems to be withering away and is becoming more of a nightmare for home owners as their homes are losing value on a monthly basis and many have adjustable rate mortgages that spiked up and made the payments no longer affordable. Today the solution for many home owners that want to keep their homes is known as a Loan Modification. The guide to short-term lending may help you understand better about the short term lendings.

If you find yourself falling behind on payments because of an adjustable rate mortgage, reduced hours at work, divorce, illness or any other type of financial hardship, then working with a loss mitigation expert can be your saving grace. Although you can attempt to work directly with you lender to get a modification, it is highly recommended to have a professional lawyer or right business attorney  handle your case as they know exactly what the lenders are looking for and can increase your chances of actually getting approved.

If you attempt the loan modification yourself, you will find that the lender will normally try to take advantage of the home owners and not work out a mutually beneficial modification. Statistics have shown that most of home owners that attempt a loan modification without a professional, usually end up back in default within the first six months. The modification process is a very time consuming and frustrating process, as each lender has its own standards and procedures that makes it very difficult for many home owners to attempt on their own. To make matters worst, these lenders seem to change their guidelines and requirements almost on a daily basis to accommodate the ever changing real estate market. For more understanding please contact us at

Beware of companies that offer specific guarantee’s and what I mean by that is a company that tells you a specific rate and if they promise a reduction in the principal amount you owe. Principal reductions happen but very rare, normally there is a chance of see a reduction in the principal amount. And the reason it is impossible to guarantee a specific rate, is because the lender is the one that determines your rate and terms and the only way to know what you will receive is once you get an approval from the lender. Better be sure of what you are about to do.

The Top 5 Hoverboards Under $500

black hoverboard

The intense research carried out on technology has yielded advancements both locally and internationally. The introduction of hover boards to the modern society has significantly improved mobility as well as creating employment for thousands of people. This self-balancing scooter uses gyro sensor combined with dual hub motors providing a safe and smooth ride. It is a concept that is considerably adopted on different platforms. The quality and variety of a hover board is mainly dependent on how much you have regarding money. There are, therefore, several categories of this equipment with specific pricing policy. You can comfortably get a hover board with only less than $500, products available at this price include,

1. Swagway X1

It is an excellent product that offers excellent performance when it comes to self-balancing. It has a maximum speed of 10 Mph with about 5 hours of battery life after charging it for one hour. The product is suitable for beginners because it comprises a Starter mode to limit max speed for you to learn comfortably. The Swagway variety offers additional built-in safety features, for example,the features for notification. The device will automatically shake on putting only one foot notifying that it cannot proceed in this manner thus preventing misuse.

2. Powerboard by Hoverboard

This is another reliable product with almost all the functionalities you would like on a Hoverboard. Principal models are manufactured in various colors like red, blue White, Black and they are designed with LED lights for indicating motion and change of direction for your safety. The Powerboard has an on-board battery level indicator to warn you when approaching the maximum battery life. Also, the model has a highest speed of 8 Mph but has no beginner mode. The wheels offer a good grip and can also do well on rugged terrain.

3. Razor Hovertrax

This device is produced from a shatter frame mainly available in blue or red, with quality plastics as compared to other models. It has 6 Mphas the maximum speed with a battery with the capability to last for 115 minutes. This equipment also has additional important safety features such as off- balance notification. With this model, you will experience an aggressive braking system meaning that you have to be extra careful when riding on this type of Hoverboard. The device has a vibration sound when one attempt to step on it while it’s not balanced or on a reasonably steep ground. You can see a great Razor Hovertrax Review on Hoverboard Electric’s website.

4. HoverTech Self-Balancing Scooter

The hover Tech model is almost similar to other varieties, but it has a relatively lower price on the market. This device has 10 Mph as the maximum speed.The variety has a manufacturer guarantee for one year coveringparts replacement . It has a6 hours maximum battery life, and it is fitted with LED lights. The model is also fully equipped with additional safety features.

5.Exooter M1150 Two wheel self-balancing Electric Scooter

This quality product is produced to meet your needs at a lower price. It has 3-GYRO Accelerometers to help maintain balance. The model has a maximum load of 260 pounds and has a highest speed of 10 Mph. The device has one-year warranty that covers the replacement parts of the motor, control board and battery.

Hoverboards are exciting devices made to provide you with a great riding experience.

About Business Attorneys in New York


Business attorneys are the back bone of many businesses as they assist the businesses in a variety of tasks. Their primary purposes include helping their clients to achieve their goals while meeting the legal bounds set up by the law. Below we have included the primary purposes of a business attorney in New York.

Formation of the business

One of the most important duties of a business attorney is the formation of a business. This involves advising the owner on the kind of business they are forming such as Limited Liability Company or corporation and giving then a concrete understanding on the tax and liability implication of each type of the business. They explain to the owners factors that can lead to dissolution of their businesses and guides them through the dissolution process as well. The attorney goes ahead to ensure that the filling of all annual reports and any other form of government requirement is done in the right way.

Drafting and administering all contacts, reports and legal documents

Businesses require a wide range of contacts with clients, vendors, employees and the government. Business attorney review and write contacts ensuring that they all the guidelines and policies concerning contacts are followed. They can negotiate business deals and later formalize them in writing with contacts. They can also prepare and file government reports, draft legal documents and review new businesses relationships with subcontractors and vendors. They are responsible for drawing up pension plans and creating documents to buy or sell assets.

Representing the client in a court of law

Some business affairs may be taken to a court of law. The business attorney will make opening arguments with the opponent attorney, conduct cross examination of the defendant’s witnesses and seek a favorable decision for his client. They analyzes probable case outcomes using their knowledge of legal precedents and advices businesses appropriately. They also interprets laws, rulings and regulations to clients.

Business expansion

While you are planning to expand your business out of New York boundaries or even to other states and countries, your business attorney will help with legal requirements. He works out all the expansion strategy, learn and implement the diplomacy that will make the strategy work successfully and help you set in office registration procedures. They explain the rights and responsibilities of the business owners in the new area of operation, assist in leasing operating space and assist to navigate complex city and county compliance codes.

Ensuring smooth flow of operation in the business

A business attorney may also give advice on the day to day activities of the business. They can be asked to develop staff guidelines regarding hiring and firing of employees as well as handling lawsuits regarding wrongful termination, sexual harassment or discrimination on behalf of either the employer or the employee. They assist in tax planning and also in the collection of bad debts. They also assess regular business transactions to ensure that they remain authentic according to the corporate laws.

The attorney consults and handles all corporate legal processes such as intellectual properties, financial and security offerings, mergers and acquisition, compliance issues as well as agreements and patents. For more information please visit

Useful information for small businesses in New York can be found here.

Los Angeles’ Guide to Short Term Lending


You could be asking yourself what’s the best option to get quick cash? The answer is simple: Los Angeles car title loans. Sub-prime borrowers with low credit scores, can get a secured loan using their car as collateral. Anyone who owns an auto can usually get a cash title loan. Even if your borrower has a bad credit score, approval normally takes under a working day.

Should you need emergency cash, there are many methods for borrowing money. Many of them include the following ways on how to apply for a car title loan in Los Angeles, CA:

  • Cash advances you can receive from charge cards:

These typically feature fees and exorbitant interest charges which might be higher than purchases or balance transfers. Cash advances likewise have no grace period as they definitely begin accruing interest immediately.

  • Loans from credit unions:

Credit unions can be a cooperative financial institution owned and controlled by its members. Membership has limitations, although they provide credit at reasonable loans and rates from these institutions can provide lower rates than large banks.

  • Unsecured personal loans:

Unsecured personal loans don’t demand that you put up your home or another property as collateral. They may offer cash in amounts that are priced between $1500 to $100,000, and often offer lower interest charges than bank cards, but find more stringent approval requirements.

  • Payday cash advances or payday advances:

A Payday loan is small, short-term loans created to cover a borrower’s expenses until their next payday. These are definitely approved no matter an unhealthy credit record, but require that you are currently employed, enjoy a steady job and they have to be repaid within 14-30 days usually.

  • Car equity loans:

Car title loan lenders routinely have the minimum approval requirements, with just an apparent vehicle title being offered as collateral. They also have one of the most flexible term lengths of all possibilities open here and therefore are usually repaid over terms that include 30 days to 24 months.

Some lenders also will consider employment income and status as factors when determining approval for the auto title loan. But everything you should make application for a title loan is proof that you really own your automobile, and there is not a previous lien upon your title.

That has a car title loan, lenders assess the value of your vehicle, to ascertain the amount of the applicant is capable to borrow. Prior to applying for that loan, however, it is prudent to do your research and calculate what amount auto equity you possess and exactly how much your car may be worth.

One online resource which enables used vehicle owners calculate the trade-in valuation on their automobile stands out as the Kelly’s Blue Book. When you know what amount of your motor vehicle may be worth during the resale market, you will end up empowered to negotiate the amount you can borrow together with the interest rates charged by the lender.

Mainly because the sub prime loan marketplace is liable to deceptive practices used by some lenders, it is best to look at the loan agreement carefully, especially the legal disclosures section, to successfully is definitely not caught in the debt trap.

Borrowers can really help rebuild their credit, by repaying car title loans. To do so, they ought to pay it back strictly on schedule, as laid down on the relation to the agreement. This will give you having access to conventional reasons for funding down the road.

More information about the title loan application in Los Angeles, California can be found here

Guide to Protecting Technological Innovation

Connect Planet Earth

Understand the value of an invention or innovative idea is the key concept of intellectual property. Many technological advancements throughout history have actually been disregarded at first. It will surprise many to know that the idea of personal computed was rejected at first. IBM was at the top of the technology market and they considered the PC to be a failure. Even Xerox invented different tools such as the first mouse operating system. However, executives were focused on the copying machines and rejected the project. The invention was handled by Steve Jobs and released the world’s first Mac. The market opened and the PC is found almost every home these days. Xerox did not receive a dollar because the patent applications were not fulfilled at the required time.

Before knowing the procedures of protecting intellectual property, we should understand the term thoroughly. Intellectual property is the invention of your mind that provides fame as well as financial benefits. It often consists of designs, oriental work as well as inventions of trade and authorship secrets. To protect it properly you need to define it properly.

If you own a business in Texas you might want to hire a small business litigation attorney in Houston TX to help you protect your technological ideas.

There are three methods to protect an intellectual property:

Patenting: The first method is known as patenting. It is the best and mostly used way of protecting intellectual property. One has to face two difficult moments in filing a patent. First is obtaining the patent. Everyone or we can say common are not expert in completing the task on their own, so the best solution is to hire a patent attorney having experience in patent law. The attorney will assist you recognize that your invention is unique and it has no problems with the already patented matters.

There are actually many not things like a patent for a certain type of devices for example. This step is essential as it ensure you guarantee that no outer person will manufacture or sell your invention without your permission. Another problem is patenting a creation made in a company. But this can easily solved in the work arrangement, so essentially a good discussion for the work arrangement can provide you with more rights to your creations.

Copyrights: this option is designed to protect the original works of authorship such as musical, literary and dramatic works, as well as photographs, audio and visual recordings, software, as well as some other educational tasks. This protection begins as soon as the work is fixed in a tangible intermediate. After that you may secure your work with a copyright sign. This sign will be a warning label for everyone who wants to steal the property and will help in seeking.

Court enforcement: the third one is trademark; use to secure the name of the product by preventing others to sell or manufacture a product under the same name. It requires a well named product so the procedure can begin before the name is decided. Later you can invent your product name and register it.

Human mind is consists of most innovative factors. If your mind can develop new ideas which can prove very beneficial in future, keep them secure with these protection facilities.

Computer Can Be A Good Teacher

Can computer be a way to learn things? Sure it can. Is going to be the answer given by most of the people when they are asked the question “Can computer be a way to learn things? But in most cases “I can’t say” would be the answer if the question is “how do I do that?”  So in few words there are some tips that will be given to you which might help.

1. Communicate with your computer
It is true that normal people uses only about 35% of the features that the computer has to offer. People with computer knowledge read the online books, listen to training programs & podcasts using computer to learn things they want to learn. Podcast is a sound file that are available free of cost.

2. Find a mentor if you need
Video tutorials are far more effective when it comes to learning. Video tutorials do not only describe things that should be done to learn things but also show how to learn them. So the out come of using video tutorials are more likely to be perfect.

3 YouTube might be a friend who can be as educative as funny
You tube has an image to be the perfect place for the fun loving people but it is equally educative if you want it to be. The video rich popular site contains lots of tutorials that can help you to learn things that you want to learn.

4. Use YouTube to share
Every individual has his own quality & philosophy different from others. So if all of us can be thoughtful & share their experiences through you tube it might solve the problems of some other people & vice versa

5. Create your own instructional videos.
A normal video camera that is worth $150 can help you share your experiences that you think might help some people to learn something good.& last but not the list you get to exhibit the talent you have

You might visit 5 Cool Ideas books and the FastLearnerAudio series, which can help you become an even better person.

14 Easy Ways To Strengthen Your Laptop’s Battery Life

Did you ever have to experience anything like your laptop battery failing you when you needed it the most to stay alive & thereby you lost a deal or faced some serious problems? If you did then you sure had to curse your battery a bit. But all you can do is to take some measures to ensure that it does not happen next time.
Here are some tips that can help you make your laptop battery a bit more reliable.

1. the first thing that you might do to  prolong the battery life of your laptop is to defrag your laptop regularly.

2. the monitor power should be made dim. As it will save the battery energy that might serve you at the moment of severe necessity.

3. the number of active programs that are not being used should be closed. You might run a number of programs at a time but running every program kills the energy of your battery. So closing down the unnecessary programs will help your laptop battery.

4. USB devices are a well known machine to kill your battery. Devices like mouse & WI-fi can eat up a lot of energy. Also do not charge mp3 players or ipods when your laptop is running solely on the battery.

5. You might think about increasing your RAM. This is a good idea because with increased RAM your laptop will be able to process the information using the laptop memory instead of using the virtual memory. When virtual memory is used it decreases the efficiency of the hard drive so it takes longer for the laptop to process the data & kills the battery life

6. CD & DVD drives use a lot of your battery life. CD or a DVD inside your laptop can use a lot of battery power. So you should opt for virtual programs..

7. try to clean the battery contracts & keep it free from dust. Use alcohol to clean the metal contracts as it will make the battery more efficient.

8. Use a charged battery & ensure that it does not stay idle. If you are using a Li-on battery then make sure that it never gets completely charge less.

9. Always use the hibernate function; hibernate mode helps your battery to save a lot of energy & if shut down then next time it will start from right where you left.

10. Ensure a cool temperature for your laptop both internally & externally. Try to use an air conditioned place to operate your laptop & get great cooling tips at

11. to avail the most of the power options you should go to the control panel  & select the “Max Battery” option.

12. Always arty to avoid using multiple programs while you are working only with your battery. Try to stick to only one program at a time. If you use a lot of different programs then you might end up with a dead battery before you are done with any of the programs.

13. Always try to ask as less as possible from your laptop. Gamming & watching a movie more often might just prove to be a bad idea for your laptop. So if your battery is all you have then choose correctly.

14. If you have an old laptop with memory effect battery then you will have to protect it by first fully charging & then  charge the battery full at least once every three weeks.

Hope the ways narrated above will help you taking care of your laptop battery.

Employing A VPN

Virtual Private Networks, VPN, are becoming one of the most important business tools. A VPN service provides remote and mobile business personnel to access to their emails, documents and applications from their computers at a distance. The dependency rate of this VPN service for current age business is such that a VPN system failure can cause a significant risk for the business.

Without a VPN remote access, mobile sales staff place orders or set actions for customer mails. A staff at a distant and remote location cannot process shipments without a VPN service. Thus, a VPN service running in parallel with global the business demands fail, a significant interruption of business wills be seen and it would even result in serious loss in business.

From the number of reasons a VPN service breakdown can occur, two major reasons are to be highlighted,
1. VPN hardware failure
2. Communication links failure

These are the common system failures generally observed in a VPN outage. The time to recover from these system failures depends on how quickly a VPN technology expert can provide a system backup or a system replacement unit or how quickly the communication links are restored.

As a business has the least time to afford to lose or rebuilding or restoring a VPN failure, they have to ensure a confident VPN service. This is achieved either by appointing a personal VPN engineer or/and a backup system. Implementing a highly-available VPN service is just as a precaution to take control over the time that would otherwise be wanted for the recovery of a single VPN component.

Generally, implementing a highly available VPN system is to purchase two VPN hardware units and configuring both of them into a series connection with highly available pair using either a vendor supplied technology or a third party solution. With this system working practically, if one system fails, the other will respond immediately to provide back up.

The normal approaches for VPN communication failures are to install two different accessible hardware’s from two different service providers. It is more like an intelligent step as using service providers of different backgrounds removes the risk of any single operator carrying the fault that impacts each of the hardware. If one hardware fails, the remote users can re-connectivity immediately via a new one. The re-connectivity, however, can be done by the remote user itself who will be selecting an alternate VPN server manually.

Another approach would be to provide multiple internet routes to access VPN servers, although this approach is quite a complex bit of process.

Another alternative approach to doubling up hardware’s is to use hosted VPN service. It is a smart way to reduce the cost of doubling ups of hardware’s and also getting a high available VPN service. To use a hosted VPN in a high availability service, VPN server software needs to be installed on more than one existing windows server.

As hosted services use internet, business firms an install low costs internet circuits of multiple providers. This is just to ensure no internet connection breakdown or temporary failure. The hosted VPN services, however, provide a transparent failover for remote users with no discontent or reconnect required.

When considering high available VPN services, factors that need to be considered are complexity of the management, failover and recovery of the system and cost associated with these at a long term.