Posts made in December, 2012

Election Polling Discusses: When Should You Hire a Bankruptcy Attorney?

Bankruptcy is unfortunately a much more common problem these days, with the recession, unemployment, and failing businesses left and right. Though many people associate bankruptcy with big corporations and the like, the ordinary man on the street may feel the need to engage the services of a bankruptcy attorney sooner than they think.

There are two types of bankruptcy in the US for individuals. The first is Chapter 7, which involves the liquidation of certain key assets and using the proceeds to pay off as much of the debts as possible. The second is Chapter 13, which involves a repayment scheme mandated by the court geared towards fulfilling obligations with creditors.

The advantage of Chapter 7 bankruptcy is that the debtor becomes free of any obligation to pay off any money owed not covered by the sale of assets. However, it is not at all easy to successfully file for Chapter 7 bankruptcy. In most cases, unless a person is completely without the means to pay, a lawyer may instead suggest a Chapter 13 filing.

In this case, legal assistance will be immensely valuable because they can more effectively negotiate with creditors to get the best possible terms for their client. More often than not, creditors are willing to accept substantial reductions in their claims to ensure that they get at least most of the money owed. A bankruptcy attorney will also be able help you protect your property by getting a court-mandated delay in foreclosure or repossession.

While a person may independently file for bankruptcy, it’s more complicated than it seems. Legal representation may seem like a waste of money when financially distressed, but because there are many pitfalls of which the ordinary person may not be aware, it may cost more not to hire one.

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Election Advantage Discusses: Facing a Criminal Charge

With the presumption that anyone is innocent until proven guilty, the criminal justice system offers everyone the right to defend his or herself from the crime he or she is accused of. While this is a comfort for many people facing a criminal charge, crafting a defense, finding witnesses, responding to the offense’s case, and understand the many legalities can be difficult, causing people to become overwhelmed or frightened.

Being charged with a crime can be a life-changing situation as it can affect nearly every aspect of your life, from your personal life to your family and job. As a criminal charge can be accompanied by imprisonment, hefty fines, permanent notations on your record, difficulty getting jobs, and a number of other consequences, no one wants to be convicted of a crime. Thus, many people facing such charges seek the legal help of a criminal attorney, who can help them build a strong defense and work to get their charges reduced or even dismissed.

An attorney can be your most trusted ally during this mentally and emotionally distressing stage in your life. Besides designing the best defense that will work for you, you can expect him or her to investigate deeper into the matter of your case, using all means possible to discover new evidence and find witnesses, including an expert who may help to make your defense stronger. Additionally, if a conviction seems unavoidable, he or she will work to give you a range of acceptable options, including a plea bargain or reduced sentencing. An adept legal professional can explain all your options to you and help you understand which may be the best option for you and your situation. Thus, with a legal professional by your side, you can rest assured that you have a better chance of protecting your interests and freedom.

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