Author: John T. Kelley

Managing debt can be an extremely stressful process. Debt can often become unmanageable as a result of serious illness, divorce, job loss, accidents or ongoing budget mismanagement. If you need to access bankruptcy as a last resort, you may be wondering what will happen to some of your credit products such as your personal credit cards after you file. Here is a quick exhalation of what to expect after you file for bankruptcy with your credit cards.

Chapter 13 Bankruptcy

Under Chapter 13 bankruptcy, you will establish a debt repayment plan for your debts. Under this repayment plan you will have protected assets such as your home and then have a debt repayment plan that can handle payments to all of your creditors. Throughout the process of this bankruptcy, a person will have to surrender their consumer credit cards and they will not be able to incur any new debt. This could mean that you won’t have access to any credit products throughout the process of your repayment which can sometimes take 3 to 5 years.

Chapter 7

Under Chapter 7 bankruptcy the courts will sell off a person’s assets in order to pay creditors. The debtor will also eat free of liability to pay back a large amount of their debt. Under Chapter 7 bankruptcy, most high earners will not be able to qualify for the format. It is also highly unlikely that you will be able to retain any of your credit products after filing for Chapter 7. Most credit card companies will instantly cancel cards as soon as they find out you have filed for Chapter 7 bankruptcy. There may also be an embargo on how long you will have to wait before you start applying for new credit card products. Chapter 7 bankruptcy stays on your record for up to 10 years but you may be able to start applying for credit products after 2 to 3 years.

Chapter 11

Chapter 11 bankruptcy is common for corporations and with marriages. All debts will need to be paid and debts can be restructured to work out a repayment plan that will make the most sense for individual finances. In order to apply for other credit cards or access credit products, you will be responsible for paying your debts in full under this type of bankruptcy.

This post was written by Trey Wright, a bankruptcy attorney in Tallahassee, FL. Trey is one of the founding partners of Bruner Wright, P.A. Attorneys at Law, which specializes in areas related to bankruptcy law, estate planning, and business litigation.

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If your marriage is under strain, you might wonder if it will end in divorce. It’s a distressing thought. But it’s a fact that many marriages do not make it through until death do us part. There are some common issues that couples face which can bring about a divorce, but it doesn’t have to end that way. It can be well worth going through couples counselling to try to resolve issues within the relationship before seeking out a divorce lawyer in Melbourne. This article details some of the most frequent issues that can initiate a divorce. If you argue with your partner over any of these points, heed this warning and seek help to resolve these problems before things become irreparable.


This is the number one issue any divorce lawyer in Melbourne will see in their day to day work. There are many reasons why people cheat, including anger, long-standing resentment, differences in libido, and a lack of emotional intimacy. Sometimes there’s just not enough energy to work on rekindling romance in the relationship, especially if the couple has children to look after. When a partner feels ignored or unsupported, they may look elsewhere for comfort. It’s important to carve out time for romance even if you’ve been with your partner for many years. While you can’t control what your partner does, you can provide a healthy, loving relationship where they feel appreciated in order to help inoculate them against temptation.


Financial incompatibility is another big reason for divorce. Whether one partner is spending too much money on clothes shopping and hiding the evidence, or another is gambling the money away, it’s bad news for a lasting marriage. You both need to be on the same page when it comes to money and your goals. If one person is sabotaging your joint efforts, this cans leadto arguments and resentment, and even divorce. A great step to see eye to eye on money is to go to a financial counsellor as a couple and talk about what money means to you and how you would like to use it to fund your life goals. Do this and you might just avoid the need for a divorce lawyer in Melbourne.

No Communication

If you don’t communicate well in a marriage, then both people will start to feel frustrated and misunderstood. If this occurs for too long, it can lead to infidelity, arguments, and finally, divorce. There are healthy and unhealthy ways to express your feelings. If you don’t try to express them at all, they will go underground and come up in passive-aggressive ways that will make your relationship toxic. If you don’t know how to be direct and compassionate when expressing your thoughts and feelings, it could be worth visiting a therapist to learn non-violent communication.It might just save your marriage and stop you from having to call a divorce lawyer in Melbourne.


While there are many reasons why people dial for a divorce lawyer in Melbourne, these are the top three reasons for marriage breakdown – infidelity, money disparity, and a lack of communication. Avoid these, and you will have a better chance of having a long and happy marriage.

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Having a baby is a miraculous process, but it is also one that can be full of complications and, in some cases, lead to poor health outcomes for both the mother and the baby. One question that we often hear is in regards to birth defects and birth injuries. Many parents wonder what the connection between birth injuries and birth defects is, and whether or not the two complications are independent and distinct from one another. Here is an overview of what you should know:

Birth Defects and Birth Injuries: Definitions

Birth injuries and birth defects are often used to describe the same thing, but the terms actually apply to two distinct conditions. Birth injuries, as explained by Stanford Children’s Health, are injuries suffered by a child as a result of being born or as a result of a complication during the birthing process. For example, a bone fracture injury and a brachial plexus injury are both two types of examples of birth injuries that are sustained during the birthing process.

Birth defects, on the other hand, refer to problems that happen while the baby is developing. Unlike acute trauma–such as pulling on a baby’s arm to free the infant from the birth canal–birth injuries can be caused by a variety of factors.

Risk Factors for Birth Defects and Birth Injuries

Birth defects can be caused by a number of different factors. These factors might include:

  • Genetics, such as a child being passed along a gene that causes some sort of birth defect;
  • Chromosomal problems, such as an extra chromosome that causes Down syndrome;
  • A lack of nutrients during pregnancy, such as enough folic acid; and
  • Infections during pregnancy, such as contracting the Zika virus.

There are also some behaviors that a mother can engage in during the pregnancy that can contribute to the risk of a birth defect, such as smoking while pregnant, drinking alcohol while pregnant, or using certain medications. Being over the age of 34 at the time of a child’s birth also increases the risk of birth defects.

Birth injuries are also associated with certain risk factors. For example, certain health conditions of the mother can increase the risk of birth injury. An above-average weight of the newborn can also increase the risk of injury.

Often, there is nothing that can be done to prevent birth defects; however, birth injuries often are preventable with careful monitoring of mother and baby, ensuring that emergency c-sections are performed if necessary, and using the proper degree of care when delivering a baby. Many birth injuries are the result of the improper use of forceps or vacuum extractors during pregnancy.

Talk to Your Doctor

 If you are pregnant, the best thing that you can do is to have an honest conversation with your doctor about your medical history, your lifestyle, and tips for a healthy pregnancy. Be sure to create a plan with your doctor concerning your delivery, and seek medical care if anything feels off. The more informed you are, the more likely you are to have a positive experience. If you feel that you need to make a claim, speak with an experienced birth injury attorney.

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When a person is pregnant, the most important thing to that person is giving birth to a baby that is healthy. Which is why the idea of premature birth, where a baby is delivered before the 37th week of pregnancy, can be scary. Newborns that are born prematurely may be at an increased risk of certain health complications and birth injuries

What is a Premature Birth?

According to The Mayo Clinic, a premature birth is a birth that occurs before the start of the 37th week of pregnancy. The relatively seriousness of a premature birth typically depends on how early the baby is born. In most cases, the earlier that a baby is born, the greater the risk of injuries and health complications for the baby. There are four different classifications for preterm babies:

  • Born at or before 25 weeks of pregnancy – Extremely preterm
  • Born before 32 weeks of pregnancy – Very preterm
  • Born between 32 and 34 weeks of pregnancy – Moderately preterm
  • Born between 34 and 36 weeks of pregnancy – Late preterm

What Causes Premature Birth?

There are a number of risk factors that increase the risk for a premature birth. These risk factors include smoking during pregnancy, having twins, being of an unhealthy weight during or before the pregnancy, experiencing a physical trauma, a history of miscarriages, stressful life events, and certain health complications of the mother.

Birth Injuries and Complications for Premature Newborns

When a baby is born before they are fully developed, they may be at a greater risk of injury and health complications. Some of the most common complications of premature birth include breathing problems, as the newborn’s lungs and heart may not be fully developed; heart problems, including low blood pressure and a heart defect that can lead to heart failure in the most serious of cases; brain problems, including brain hemorrhaging; blood problems, including anemia and jaundice; immune system problems, which can lead to a higher risk of infection; gastrointestinal problems; and more. There can also be a number of long-term problems associated with premature birth, such as cerebral palsy, cognitive disabilities, dental problems, vision problems, chronic health issues, and even behavioral and psychological complications.

Steps for a Healthy and Safe Pregnancy and Delivery

Having a baby that is at risk of complications because of premature birth is something that no parent wants to face. In order to reduce the risk of complication, it is important to have an honest conversation with your doctor about your health history and any lifestyle behaviors you maintain that could increase your risk. If you are at a high risk of preterm birth, there are certain interventions that can be taken to prevent premature birth.

As you work with your doctor, be sure to provide honest information and ask a lot of questions. Doctors sometimes make mistakes, and being involved and active in the process can help to keep you and your baby safe. If you suspect your doctor made a mistake, discuss your rights in filing a claim with an experienced birth injury attorney.

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As much as you take precautions, accidents are sometimes inevitable. At such times, it is common for people to be nervous and not know what to do.

In addition to contacting a car accident lawyer, some tips can help you get around this situation. Take note!

Withdrawal of Vehicles

The first action is simply to move vehicles off the road, so as not to obstruct it or cause other accidents. But this should only be done immediately in cases of light collisions, without fatalities.

Rescue of Injured People

If there are victims, the procedure needs to be more careful. Call the rescue service, providing the necessary information for the call. Then, mark the location with the warning light and the triangle appropriately.

While waiting for assistance, do not move the victims. As much as the injuries are minor, it can worsen any internal injuries or fractures. What you can do is talk to people to check their state of consciousness.

Report of Occurrence

The police report is only mandatory if the accident involves victims or causes damage to public property. In other cases, it is only done if the parties prefer. In these situations, the document can even be prepared over the internet.

It is worth mentioning that the making of a police report does not indicate the existence of a crime or points to a guilty party. It serves only to document what happened.

Inform your Insurance Company

Even if neither of the parties involved immediately takes responsibility for the accident, both must contact the insurance company to report the claim. Subsequently, the company will request documents and evidence to make the indemnity payment, following the policy. The deadline for this is 30 days.

Note that car insurance is not a luxury, but a necessity, especially in situations like these. Every time you use your vehicle, you are vulnerable to risks that can compromise your pocket and your physical integrity.

Unforeseen events such as collisions, thefts, being run over and other damages are likely to happen and, therefore, it is more than important to be prepared. By having auto insurance, you guarantee that, in case something happens to you or other people, there will be no material or financial losses.

Also, insurance offers other benefits, such as 24-hour assistance, mechanical assistance, locksmith, electrician and tow truck service. Although the idea is to never need the activation of insurance, knowing that the car has this security guarantees you more peace of mind.

Contact Your Attorney

Knowing good practices to prevent the main types of accidents is the first step to improve traffic statistics. And when it is not possible to avoid occurrences, it is important to remain calm and know who to count on.

Informing your lawyer is as important as informing your insurance company. They help take care of your case. If you’ve been injured in an accident and need help filing a claim, you can get a Brooklyn car accident lawyer.

Did you like this post? Please share the knowledge with your friends on social networks!

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Workplace discrimination is a very serious issue. There are many different types of discrimination that employees are unfairly subjected to in every field, despite many laws in place that prohibit such behavior on the part of employers.

Age Discrimination

When you are suffering discrimination in the workplace because of your age, it not only makes it much more difficult to get your work done but it also places you at a significant disadvantage to your co-workers and colleagues with respect to your capability to enjoy similar levels of compensation, benefits, and promotion opportunities.

Sex Discrimination

Finding yourself discriminated against due to your gender is another rampant issue in today’s workplace. You are a victim of sex discrimination when you discover that you were denied a promotion, a raise, enjoyment of additional advancement opportunities or simply denied employment all based on your gender or sexual preference.

Disability Discrimination

Living with any disability should not keep you from employment if you can prove that you are able-bodied and willing to work. But some employers are reluctant to hire persons with disabilities and those who do may prevent them from enjoying similar opportunities and advantages as other employees on staff.

You have a right to fair and equal treatment in the workplace under the law and if you believe you have not been given that treatment, you could have a valid claim of discrimination.

Religious Discrimination

Your employer is not allowed to commit discriminatory acts against you based on your chosen religious affiliation, membership, or belief system. The Department of Labor has expressly prohibited such action on the part of any employer and if you believe you have been the victim of these actions, you may have a valid claim against your employer.

Filing A Claim

There are laws on the books that prohibit employers from discriminating against an employee on the basis of the above, including the Age Discrimination in Employment Act (ADEA); the Fair Employment and Housing Act (FEHA); U.S. Equal Employment Opportunity Commission (EEOC); and the Department of Fair Employment and Housing (DFEH).

If you believe your employer has committed any violations of these acts and their statutes, you have the right to seek out monetary compensation such as unpaid wages and benefits. You could be entitled to non-monetary compensation for the pain and suffering you were subject to as a result of your employer’s actions towards you.

To learn more about your rights under the law and your ability to fight for what you deserve, you should speak to an attorney about your experiences and consult with legal counsel to determine whether or not you have a valid claim. It is not recommended that you do this on your own, your employer has a wide array of attorneys ready to fight any claim you bring to court. Attempting to negotiate a settlement on your own could have dire consequences in the form of lesser compensation or no compensation at all, with your case being thrown out of court entirely.

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Have you ever thought about what will happen to your house, your savings, or even you if you are no longer able to make informed decisions due to health-related issues or death? While contemplating your demise is certainly not a pleasant experience, having a series of instructions outlining the distribution of your property and possessions can save your loved ones undue suffering during an already painful experience? This can be a complicated undertaking, and contacting someone who handles estate planning Howard County can help ensure your wishes are fulfilled.

Where To Begin

Now that you understand why you need an estate plan, you need to determine what exactly constitutes your estate and the information you need to compile. An estate plan is more than listing your valuables and determining who should receive them; your will is just one piece of the puzzle. You will need to make decisions on how to protect your assets and avoid putting your family through lengthy probate proceedings.

Who To Involve

There are generally several people you will need to designate to assist in the implementation of your plan: an executor and two separate powers of attorney, one for financial decisions and one for healthcare decisions. The aptly named executor is assigned the task of executing the terms of your will and handling your affairs upon your death. Alternatively, the powers of attorney will be responsible for carrying out your intentions in the event you become incapacitated and are no longer able to do so yourself.

What’s Next

Keep in mind that once you have created an estate plan, it is crucial to make updates accordingly. Having children, a change in marital status, or the acquisition of property can have a significant impact on the future of your estate, and it is necessary to account for these life-altering events. Mistakes are common as this is a complex but essential process.

The time to start thinking about your estate plan is now. Consider consulting with an estate planning lawyer to make necessary arrangements.

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Moving to a new city or a new country is exciting, but it is also challenging to deal with the change. People often choose to relocate with their family to a new place either for their work, business or to change their living. Well, everyone wants to settle in a better and more comfortable space for an enhanced standard of living. Some people migrate due to their work commitments and some choose to settle in a different country for a better living.

Well, whatever be the reason for your migration, you have to do a lot of things while planning to migrate to a different country. Visiting a new place is different and migrating permanently to a foreign location is different. So, you have to consider certain things before relocating with your family.

The purpose of migration

People relocate to new countries due to many different reasons. if you are moving to start or expanding your business in the foreign market, you have to plan lots of things along with the migration. If you have to migrate due to your profession, you have to take care of all the formalities associated with relocating to a foreign location with your family. Some individuals migrate to a location due to the growth opportunity the place has. You have to work on the process of relocation as per the purpose of the migration. You have to make sure that you have an income opportunity and a source in the foreign location while planning to move. Because it is the most important thing that makes your living better at a new location.

Living arrangement

You have to make your living arrangements before the relocation. so, searching for a living place for your family is the primary thing you should do before relocation. it will be easier for you to move if you have an appropriate place to live in and have done all the paper work beforehand.

 Culture and language barrier

It is one of the most common problems the migrants face in a new country. It takes time to get acquainted with a new culture. Before moving to an entirely new place, you must research in order to get some idea about their language and culture. You should learn the basics of the foreign language to where you are moving. You can take language courses to establish better communication in the new location.

The facilities the country offers

it is a crucial thing that every migrant should consider before moving to the new country. There are several privileges are provided to the migrant partners  by the country like Australia  for a better living. You should know about that before your migration to avail of the facilities, or contact migration consultants in your area.

these are some basic things you should consider before migrating to a foreign location with your family.

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According to law experts, the workers’ compensation system is designed to be simple for workers to navigate. So, if your claim is straightforward—not disputed by your employer or their insurance company—you can handle the claim process on your own. Unfortunately, like other compensation claims, the process is not always simple.

So, when do you need an attorney to represent you? Well, it depends on the overall complexity of your case, the severity of your injury, and the actions taken by your employer or their insurance company. So, the moment you face any hurdle in your case is the right time to hire a workers’ compensation lawyer.

As a guide, here are the top situations when you need to call a lawyer’s intervention:

  •  When Filing A Claim After Injury: If you are filing a workers’ compensation for the first time, an attorney can help you meet the regulations needed for filing a claim by ensuring that they are complete and accurate. A poorly worded or done claim can make it difficult to get the benefits that you deserve.
  • When Your Workers’ Comp Claim Is Denied: At times, insurance companies tend to deny comp claims. While some of the reasons that they give during such incidences are valid, others are not. If you feel that the reason they have given you is not valid, you can always appeal the denial. Generally, the appeal process entails filing formal paperwork, gathering evidence to satisfy your burden of proof and presenting your case at the hearing. If you want all these processes to be successful, it is highly advisable to seek the help of a workers’ compensation attorney.
  • When Your Employer Turns Down Your Request For Workers’ Comp Insurance Information: This is one of the most prominent red flags that your employer isn’t willing to co-operate and may provide wrong information to its insurance company—which may hurt your case. You need an attorney to protect you from any form of fraud that may result from such actions.
  •  When Your Employer Retaliates Against Your Action Of Filing A Workers’ Compensation Claim: In case your employer decides to fire, demote, reduce your pay, or engage in other forms of discrimination as retaliation against you for filing a claim, it is highly recommended to hire a workers’ comp attorney to protect your rights.
  • When Your Injuries Are caused By a Third Party: While workers’ comp is often associated with work-related injuries, you also have a right to file for a claim if a third party’s negligence caused the injury. For instance, if another driver hits your car, you may be liable for both personal injury lawsuit and workers’ compensation claim. However, getting the right value of both claims may be complicated. Here is where an attorney comes in handy—they can guide through both legal processes.
  • When You Want a Fair Settlement: The role of an insurance claims adjuster is to try as much as possible to keep insurance payouts low. Most of them don’t have an incentive to pay more or quickly. A workers’ compensation lawyer will know whether or not an offer is fair and will fight to ensure that you get a fair settlement. For instance, a good lawyer can have you checked by an independent medical evaluation professional who is not hired by your employer’s insurance company to counter a previous doctor’s lower rating.

Insurance companies deny valid workers’ compensation claims, leaving injured workers struggling to make ends meet. Working with a workers’ comp attorney, on the other hand, will ensure that you get the compensation that you deserve. Being injured in the workplace is traumatic enough; you don’t have to worry again about getting the benefits that you are entitled to.

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A great deal of times, the accident is triggered by crashes in office, slip and drop mishaps, bike and auto crashes, and clinical negligence. An injury lawyer will certainly aid you with your accident suit, must you have actually been regrettable sufficient to receive an accident. A legal representative will certainly not benefit complimentary. As choosing a mishap legal representative, currently it’s time to find out exactly how you are mosting likely to spend for the solutions.

So what does injury lawyer do?

An injury attorney can be employed to aid in exploring the acts of carelessness that may have triggered the mishap. A mishap might be triggered by the neglect of a number of various celebrations, resulting in personal injury on a regrettable person. An instance would certainly be repayment for discomfort and suffering of injury, or loss of future revenues in the instance of extreme personal injury.

” Picking a Crash Lawyer” The extremely initial and most important item of suggestions right here is to stay clear of employing any type of injury lawyers promoting greatly on tv and mainstream media. Specifically if you have actually enjoyed one eliminated in a crash and seeking a fatality lawyer, yet dealing with those that chicago Injury Attorneys promote greatly would be a negative concept. Having stated that, taking an instance on a backup cost will just occur if the attorney ideas that the instance has an excellent capacity to win.

They will certainly simply try to resolve your situation as fast as feasible and relocate on. Often, they also mean to refer you to one more attorney simply to gather a reference cost. Numerous of you have a household lawyer, and it will certainly be a sensible option to talk to him or her prior to picking a personal injury lawyer. This is not the end. When you have actually chosen a mishap lawyer, it is essential to identify exactly how you are mosting likely to spend on his solutions.

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