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How A Bankruptcy Attorney Can Help You Become Debt Free

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Many debtors shy away from filing for bankruptcy because they assume that it will be difficult to get the future credit they need. In addition, many people think that bankruptcy carries a stigma along with it and they don’t want to be seen as a failure. However a bankruptcy attorney can show you how to actually become debt free using bankruptcy as a tool. This allows you to take full control over your finances for a fresh start. Becoming debt free is much easier when the majority of your debts are forgiven through bankruptcy.

Chapter 7 Bankruptcy

When you consult with a bankruptcy attorney, they will discuss your current state of finances to determine what the best course of action is for you. They will recommend a Chapter 7 bankruptcy if this is the most appropriate solution for you. You will have to qualify for this type of bankruptcy by taking a means test. Through the means test, it will be determined if you are eligible to file for Chapter 7 bankruptcy. Once it is deemed so, you can complete a credit counselling session and then you will be able to have the majority of your unsecured debts wiped clean.

Chapter 13 Bankruptcy

For individuals who do not qualify for Chapter 7 bankruptcy, Chapter 13 is the next best option. In this type of bankruptcy, a debt repayment plan is used to help the individual to get out of debt. The repayment plan is set over a 3 to 5 year period during which time secured debts are payed with a specific allocated amount each month. This type of bankruptcy is very effective at helping debtors to recover themselves financially. They can still retain possessions of their belongings while rebuilding their lives debt free.

Freedom from debt

Freedom from debt is possible with the help of a bankruptcy attorney. A bankruptcy attorney offers guidance and direction about which route to take to become debt free. They will provide information about credit counseling, repaying debtors, eliminating credit collection calls and repossessions while safeguarding your property. Consulting with a bankruptcy attorney is the first step in the right direction towards becoming free of debt.

At the law office Chris Carouthers & Associates, LLC, you can find the debt solutions you need from a bankruptcy attorney you can depend on. Visit them online for more information at Chriscarouthers.com.

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On the campaign trail in the USA, October 2016

Sunday, November 6, 2016

The following is the sixth and final edition of a monthly series chronicling the U.S. 2016 presidential election. It features original material compiled throughout the previous month after an overview of the month’s biggest stories.

In this month’s edition on the campaign trail: the Free & Equal Foundation holds a presidential debate with three little-known candidates; three additional candidates give their final pleas to voters; and past Wikinews interviewees provide their electoral predictions ahead of the November 8 election.

Retrieved from “https://en.wikinews.org/w/index.php?title=On_the_campaign_trail_in_the_USA,_October_2016&oldid=4641436”
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Australian Air Force crews “at war” with Veterans’ Affairs over compensation

Friday, August 19, 2005The Australian Federal Government has revealed today that it is going to give A$21 million (US $15.76 million) as compensation to approximately 600 former RAAF maintenance workers, who where exposed to highly toxic chemicals while working on the fuel tanks of the nation’s F-111 fleet.

Under the government’s proposal, depending on the amount of exposure, a worker can expect to receive between A$10,000 and A$40,000 (US $7,500 – $30,000) to help cope with the side effects. The aircraft maintenance program started in the 1970s and was suspended in the late 1990s when the former workers started to show signs of medical problems ranging from memory loss to neurological problems.

The F-111 Deseal/Reseal Support Group responded to the government’s package with anger. The Group’s president Ian Fraser said “A$40,000 for a ruined life is simply not enough … We’ve already got people who have died, who are dying, people who have lost their homes.”

He went on to describe that his group, which supports the workers and contractors who where based at Amberley Air Base, was “at war” with Veterans’ Affairs Minister De-Anne Kelly.

Retrieved from “https://en.wikinews.org/w/index.php?title=Australian_Air_Force_crews_%22at_war%22_with_Veterans%27_Affairs_over_compensation&oldid=2353066”
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Hell Pizza condom advertisements: complaints upheld

Wednesday, November 29, 2006

A record number of complaints, over 600, against the New Zealand restaurant chain Hell Pizza for its advertising campaign using condoms delivered via letterbox have been upheld by the Advertising Standards Authority (ASA). Family First “welcomes heavenly decision from ASA on Hells Pizza.”

Hell Pizza delivered sealed foil condoms in a cardboard box to households nationwide. On the outside of the box were the words: “Our pizza for meat lovers!” and the restaurant logo. The inside of the box included the condom and explicit instructions on how to use it. Hell Pizza delivered 70,000 condoms to households. An additional 100,000 were distributed to health and community groups who the chain said were “very supportive.”

Bob McCoskrie, director of Family First, said: “This is a victory for the protection of families from grubby advertising by companies like Hell’s Pizza, and is also a message to other companies who cross the line of what is decent and acceptable to our community. This is a pizza delivery company taking the moral high ground on sex education and telling parents how to give sex education to their kids, implying that all parents have failed at this, and kids as young as five should be exposed to this type of material.”

S. Nicholas filed a formal complaint and said in the complaint:” Any child can open the box take out these condoms and play with them. These are contraceptive devices, not playthings. The package also gave full instructions ‘how to use the condom’ in case some young person wanted to ‘experiment’! It shows lack of taste and is irresponsible.”

Other complainants said that it is inappropriate to promote food with a condom, the text “meat lovers” was offensive, that it undermined family values, and removed the right for families to teach sex education to their children. Condom use instructions that came with the advertising campaign were unnecessary and unacceptable and that there are health and safety issues if the condom broke during delivery.

The ASA said that three code of ethic rules were broken. They were basic principle 4, advertisements should follow a sense of social responsibility to both the consumers and society; rule 4, advertisements should not contain anything generally offensive and rule 5, advertisements should not contain anything that would cause serious widespread offence.

The agency Cinderella, acting on behalf of Hell Pizza, said that they “most certainly did approach this campaign with a due sense of social responsibility to consumers and society.”

Cinderella said: “From the very beginning, the company’s marketing activities were unconventional and memorable… HELL has built a successful brand by utilizing a limited marketing budget in ways that sought to grab attention and secure significant additional media coverage that would never have been able to be sustained using conventional, paid-for, advertising techniques.”

“LUST and sex are, in our experience, often found not far apart. One generally follows the other. And enjoying great food either before or after is also not such a stretch.”

Replying to the instructions that have to be printed, Cinderella said: “The terms are not really sexually arousing and the suggestion made by one hysterical complainant that they could then go and act out the instructions on the next door child is just not plausible and probably not even physically possible. It borders on insane to believe that this is a credible risk. …there has not been an explosion of sexual assault of children after being exposed to government health warnings.”

The ASA then considered all information given to them by both complainants and the advertiser.

The ASA agreed that the advertisements were in breach of basic principle 4 because: “Unsolicited, unaddressed delivery of a condom to letterboxes to promote a food brand did not meet [the basic principle 4] standard.” The standard “required all advertising to be prepared with a due sense of social responsibility to consumers and society.”

The ASA then reviewed whether or not the advertisement programme had breached rule 4 and rule 5. “The method of distribution was a key factor in considering whether or not the promotion had breached the Rules, taking into account the random context, medium, audience and product. The majority of the Board noted that it was difficult to target specific groups or ages using unaddressed letterbox distribution. In addition, it was concerned that such a method of distribution allowed any member of a household access to the advertising.” The majority of the ASA board did not find the instructions offensive but did agree that it would cause widespread offense. The advertisement programme is in breach of rule 4 and rule 5.

Some of the ASA board said: “…While the promotion had caused offence to some, this was offset by the possibility that the promotion had reached an audience that may not access the safe sex message via other media.”

The ASA decided to uphold the complaints, “complaints were unanimously upheld.”

“Our message to Hell’s Pizza is simple – stay out of the bedroom and get back into the kitchen,” Mr McCoskrie said.

Retrieved from “https://en.wikinews.org/w/index.php?title=Hell_Pizza_condom_advertisements:_complaints_upheld&oldid=365600”
Property Investment

Debt Free Christmas With Freedom Debt Relief

By Sean A. Kelly

Christmas is just round the corner and you are probably one of those doing some last minute shopping. Many people are looking for ways to fund their Christmas shopping. If you are not cash rich, you would probably be funding your shopping with credit cards or personal loans. You can always skip Christmas shopping to save some money. But what is Christmas without some gifts? You could be wondering how to pay off your debt after Christmas. You might even have debts from last Christmas. Find a partner like Freedom Debt Relief to help you find a solution to debt relief.

Freedom Debt Relief is a reputable and solid partner for debt relief. As a member of the Better Business Bureau (BBB), it is one of the leading debt resolution providers in the country managing $1 Billion of debt. It has helped customers to settle $40 Million of debt every month and the amount is growing. Freedom Debt Relief (FDR) runs a program called Freedom Fresh Start. It is an effective debt reduction or debt settlement program to help its clients resolve debt burdens in a short amount of time. There is no risk to you in using this program because FDR guarantees no fees payment for its services until your debt is successfully resolved.

There are a few programs to settle your credit card debt and debt settlement is one of them. Debt settlement or debt negotiation is the process whereby you negotiate with creditors to reduce overall debts. The creditor must first agree to forgive a certain percentage of the total amount owing. The reduced balance will then be paid either in a lump sum payment or divided into smaller amount of monthly payments. However, not all debts can be negotiated. Debts secured by real assets like home loans and auto loans cannot be settled.

[youtube]http://www.youtube.com/watch?v=6N_bbLU-1M4[/youtube]

Many people have turned to debt settlement to solve their debt problems in favor of credit counseling or bankruptcy. The negative side of debt negotiation is that the forgiven balance is considered taxable balance by IRS. You may seek advice from your tax advisor on Cancellation of Debt Income and obtain more details about Form 182. In addition, the settlement will also be noted on credit report creating a negative impact.

If debt settlement is not for you, you may want to consider other options to settle your credit card debts.

? Balance Transfer: If you have a few credit card debts, then balance transfer is the simplest way to consolidate these debts. Total up all the monthly minimum payments which you have to make for your credit cards. You will get a combined balance. Add an extra amount to this combined balance and you will get a new monthly amount. Transfer all your credit card debts to one new balance transfer card and pay the new monthly amount every month. The extra amount you pay every month will be a great help to settle you debts. You could check out balance transfer program with 0% interest rate and zero transfer fees or low transfer fees cap at $50 to $70.

?Debt Consolidation Loan: If you have large credit card debts which you probably cannot pay off during the balance transfer offer period, you may consider debt consolidation loan. If you own a home with equity you can take up home equity or refinance loans. It is a good way to pay off your debts because it has low interest rate and it is tax deductible. You could also apply for a personal loan which comes with higher interest rates and is also more difficult to get approval.

? Credit Counseling: Credit counseling is a service that helps to review your debts, income and expenses and work with you to create a payment plan called Debt Management Plan (DMP). With DMP you only need to make a single monthly payment to the service and it will distribute it to your creditors. Prior to this, the service will work with your creditor to reduce the interest rates and fix a monthly payment amount. Many lenders perceive this service as similar to bankruptcy even though it will not affect your credit score.

? Bankruptcy: This is your last resort if everything else fails. However, it is more difficult to eliminate credit card debts through bankruptcy due to the revisions in 2005 to the bankruptcy law.

You may not be sure which option is the best for your situation. You could probably speak to consultants from debt services companies. They could provide you details of the various options and help you come to a decision. Whatever you decide to do with your debts, it would require commitment and consistency to pay off your debt in the shortest time possible.

About the Author:

Freedom Debt Relief

Source:

isnare.com

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Four dead, at least 15 injured after gunman opens fire at fitness center in Bridgeville, Pennsylvania

Wednesday, August 5, 2009

Four people have been shot and killed and at least 15 wounded when a gunman opened fire inside a LA Fitness center in Bridgeville, Pennsylvania. The gunman was among the dead.

Reports say the man walked into a dance room where an all-female Latin dance class was in session, turned off the lights and began to shoot people. CNN reports that the gunman was a “middle-aged white male.” One witness said he was carrying a duffel bag, which he put down before shooting into the crowd. After opening fire, he turned the gun on himself. At least 30 people are reported to have been in the room at the time of the shooting.

Allegheny County police Superintendent Charles Moffatt said, “I’ve never seen nothing quite like this. It was very chaotic. […] There’s a good belief that the shooter is deceased.”

Collier Township Police Chief Tom Devin stated that the police, “believe the shooter committed suicide at the scene but we’re not positive.” Police report that the shooter’s motive may have been a domestic dispute with one of the exercisers.

Mike Hentosz, a witness who was inside the gym, said, “I feel like it’s a dream. I don’t know what to think of it.” A woman participating in the class, Nicole, said that 10 minutes into the class, “a middle-aged white male walked into the class. He had a big gym bag. […] He looked out of place in a class full of women.” When he began firing, she reported, she ran out of the gym and escaped in passerby’s car.

Retrieved from “https://en.wikinews.org/w/index.php?title=Four_dead,_at_least_15_injured_after_gunman_opens_fire_at_fitness_center_in_Bridgeville,_Pennsylvania&oldid=860123”
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Wikinews interviews John Wolfe, Democratic Party presidential challenger to Barack Obama

Sunday, May 20, 2012

U.S. Democratic Party presidential candidate John Wolfe, Jr. of Tennessee took some time to answer a few questions from Wikinews reporter William S. Saturn.

Wolfe, an attorney based out of Chattanooga, announced his intentions last year to challenge President Barack Obama in the Democratic Party presidential primaries. So far, he has appeared on the primary ballots in New Hampshire, Missouri, and Louisiana. In Louisiana, he had his strongest showing, winning 12 percent overall with over 15 percent in some congressional districts, qualifying him for Democratic National Convention delegates. However, because certain paperwork had not been filed, the party stripped Wolfe of the delegates. Wolfe says he will sue the party to receive them.

Wolfe will compete for additional delegates at the May 22 Arkansas primary and the May 29 Texas primary. He is the only challenger to Obama in Arkansas, where a May 10 Hendrix College poll of Democrats shows him with 38 percent support, just short of the 45 percent for Obama. Such an outing would top the margin of Texas prison inmate Keith Russell Judd, who finished 18 percent behind Obama with 41 percent in the West Virginia Democratic primary; the strongest showing yet against the incumbent president. Despite these prospects, the Democratic Party of Arkansas has already announced that if Wolfe wins any delegates in their primary, again, due to paperwork, the delegates will not be awarded. Wolfe will appear on the Texas ballot alongside Obama, activist Bob Ely, and historian Darcy Richardson, who ended his campaign last month.

Wolfe has previously run for U.S. Congress as the Democratic Party’s nominee. On his campaign website, he cites the influence “of the Pentagon, Wall Street, and corporations” on the Obama administration as a reason for his challenge, believing these negatively affect “loyal Americans, taxpayers and small businesses.” Wolfe calls for the usage of anti-trust laws to break up large banks, higher taxes on Wall Street, the creation of an “alternative federal reserve” to assist community banks, and the implementation of a single-payer health care system.

With Wikinews, Wolfe discusses his campaign, the presidency of Barack Obama, corporations, energy, the federal budget, immigration, and the nuclear situation in Iran among other issues.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_John_Wolfe,_Democratic_Party_presidential_challenger_to_Barack_Obama&oldid=4567754”
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Investigation into Polish air crash reveals passengers in cockpit

Wednesday, May 19, 2010

The investigation into the plane crash that killed Polish President Lech Kaczy?ski has revealed that passengers were in the cockpit of the crashed plane.According to the head of the technical commission involved with investigating the crash, Alexei Morozov, the crew of the aircraft had been warned of limited visibility, although it has not been determined whether or not the crew’s decision to land had been influenced by the passengers on board. The cause of the crash has not been identified, although the possibility of an explosion or terrorist attack on board the aircraft has been ruled out.

Morozov also said that the crew on board the plane had not been properly trained for the flight, and had been assembled only a few days before the flight. He said that the crew “did not undergo regular simulated training, including the practice of co-ordination and emergency situations during flights.”

The overall leader of the investigation, Tatyana Anodina, confirmed that unauthorized people had been in the cockpit near the end of the flight, saying that “in the cockpit there were individuals who were not members of the crew.” One person had been identified, although their name has not been released. Anodina said that “[t]he voice of one of them has been identified exactly, the voice of the other, or the others, will require additional information from the Polish side.”

The investigation also found that the aircraft involved had been in normal operating condition; Anodina said that “[t]he engines were working up till the moment the plane collided with the ground.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Investigation_into_Polish_air_crash_reveals_passengers_in_cockpit&oldid=4509539”
Cabling

Data Centre Services: Necessity For Enterprises

Data Centre Services: Necessity for enterprises

by

Peter Pen

No matter what business you deal in, it is really important for you to have continuous operations. This can be accomplished by taking some special services. The role that a Data Center plays in today s businesses has touched new heights in the last few years. Several businesses have started using its services because they now realize that they cannot afford to have any stoppages and also cannot lose their crucial information. The importance of such facilities can be made out from the fact that almost all businesses have either started to take Data Centre Services from other companies or have built their own centers.

This service is usually required by enterprises that keep up a large number of web servers. The main task of these facilities is to offer a suitable environment so that these servers can function proficiently. So what are the ideal traits of a Data Center? This facility must have a backup power supply, redundant data communication connections, climate controls and various security devices. When shopping for this facility there are a number of things that a user must check. First the user must assess his basic requirements.

[youtube]http://www.youtube.com/watch?v=y8yMlMBCQiQ[/youtube]

It is usually recommended that a business should opt for Data Centre Services, as building you own facility requires them to invest a lot of time, money and effort. If you run a business that requires your complete attention, it is suggested that a user must go for a colocation facility. By taking services from this facility a user can simply concentrate on his core business. Colocation services have been especially designed to offer businesses with highest quality of services at economical rates. When thinking of taking this service from others, the user is advised to evaluate all the service providers. The companies that offer Data Centre Services provide complete availability, safety, redundancy, consistency, scalability, and expertise. The will ensure that all your essential data, whether personal or professional, is totally secure.

If your business has information that is very vital or irreplaceable, then you surely need to consider taking services from a Data Center. The importance of Data Centers in India has also arisen to newer levels. The companies that offer Data Centers in India offer various benefits to its customers, such as high network connectivity, stability, security, reliability and 24/7 customer support apart from other managed services. These centres provide all major services that are offered elsewhere, such as colocation, rack space and cage space.

Author is expert content writer for

Data center

and data center services. Visit Net4.in for detail information on

Data Center India

, data center Hyderabad, data center Chennai, data center Pune, data center Bangalore and data center Kolkata.

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Canada’s Don Valley West (Ward 26) city council candidates speak

This exclusive interview features first-hand journalism by a Wikinews reporter. See the collaboration page for more details.

Friday, November 3, 2006

On November 13, Torontonians will be heading to the polls to vote for their ward’s councillor and for mayor. Among Toronto’s ridings is Don Valley West (Ward 26). Four candidates responded to Wikinews’ requests for an interview. This ward’s candidates include Muhammad Alam, Bahar Aminvaziri, Orhan Aybars, Michele Carroll-Smith, Mohamed Dhanani, Abdul Ingar, Geoff Kettel, Debbie Lechter, Natalie Maniates, John Masterson, John Parker, David Thomas, Csaba Vegh, and Fred Williams.

For more information on the election, read Toronto municipal election, 2006.

Retrieved from “https://en.wikinews.org/w/index.php?title=Canada%27s_Don_Valley_West_(Ward_26)_city_council_candidates_speak&oldid=2584823”