7 Reasons Chapter 13 Bankruptcy Might Be Right for You
Changes in bankruptcy laws have left many to erroneously think that they can no longer declare bankruptcy. This is not true. Filing for bankruptcy is a decision that should not be made without first seeking the qualified counsel of a Texas bankruptcy lawyer. A Texas bankruptcy lawyer can help you decide which form of bankruptcy is best for you. Under Chapter 13 a debtor is given the ability to liquidate assets and set up a debt repayment plan that best suits them. This can give you the relief you need from high credit bills and other debt. The first step under chapter 13 is to receive credit counseling and budget analysis from an approved counseling service. This step can be omitted in a few situations of hardship, but most will have to undergo the counseling. It is an important step that must be taken to prevent your case from being dismissed. Speak with a qualified bankruptcy lawyer today to discuss your options under Chapter 13 bankruptcy. Generally speaking, Chapter 13 may be right for you if: 1. You have a stable source of income. You must be able to regularly make payments to pay back your debt. 2. You have enough disposable income after all expenses are paid to make regular payments for your debt. There is no set value for this. The courts will require a proposed budget to determine if you satisfy this requirement. 3. Your secured debts are less than $922,975 and your unsecured debts do not exceed $307,675. 4. You are behind on mortgage or vehicle payments you intend to keep 5. You have tax debt, or student loans 6. You have a large amount of non exempt property you do not wish to lose. 7. You have a cosigner on your loans you wish to protectMichele Wallace, author of this article, writes for the <a href= http://www.maliselawfirm.com/><b> MaliseLawFirm"</b></a>. Hire experienced <a href=http://www.maliselawfirm.com/><b>"San Antonio bankrupty attorneys"</b></a> with Malaise and get the debt relief you deserve.
Source: www.ArticlePros.com

6 Things to do if involved in a Motorcycle Accident
Motorcycle accidents have a reputation for being some of the deadliest. Motorcycles offer little protection to riders in the event of an accident; therefore the injuries are often severe requiring long recovery periods. Usually, motorcycle accidents are not the biker s fault. Due to the size difference between a motorcycle and passenger vehicle, motorcycles are harder to see and are frequently lost in the passenger vehicle s blind spot. Due to this fact biker s are often sideswiped by vehicles that simply did not see them. Some shocking statistics from the National Highway Traffic Safety Administration show that motorcyclists are 32 times more likely to die in an accident than passenger vehicle occupants, and 6 times more likely to suffer injuries. It is important to remember that biker s are entitled to compensation for injuries due to someone else s negligence as well as passenger vehicle drivers. If you are involved in a motorcycle accident it is important to remember the following things: 1. Report the accident to police. The police report is helpful to your auto accident injury lawyer in determining fault. 2. Record the names and statements of witnesses to your accident. Take pictures and record any unusual circumstances or whether that may have contributed to the accident. This will be especially useful should your case go to court. 3. Do not speak with any insurance agents or adjusters that may show up at the scene. This is an unscrupulous tactic sometimes used to get people to admit fault or say something that could hurt their claim. 4. Call your insurance company to report the accident. Do not speak with the other party s insurance carrier. Let your motorcycle accident injury lawyer deal with them. 5. Even if you feel you haven t sustained a serious injury, it is a good idea to get checked out by a physician. Some brain injuries do not show up right away and insurance companies may be reluctant to pay for an injury later on. 6. Contact a motorcycle accident injury lawyer as soon as possible.Michele Wallace, the author of this article, writes for the <a href= http://www.maliselawfirm.com/><b> MaliseLawFirm"</b></a>. Malaise handles motorcycle accident cases for the citizens of San Antonio.
Source: www.ArticlePros.com