What Is the Best Advice If Your Credit Is Bad?

Many people find themselves in debt and more often than not, it is purely because they have fallen on hard times, not because they “have a problem with money”. I recently read about one woman who was left with the expenses of raising children with no help from their father who had left. She also had her mother and brother living with her, who were both unemployed and had to financially support them as well. She barely had enough money for food and basic essentials, so over the years, had accumulated debt through numerous ‘credit card increased limit offers’ and deals which she had been drawn into.

She was afraid. She didn’t have money to pay lawyers or debt counselors for their advice. She was afraid to answer the phone for fear of so many people she owed money to and even wondered whether she might be put in jail because of her debts.

Sound familiar?

Well the good news is, that there is no such thing as a “debtors prison”. It would not be in the interests of society to throw people into prison for misfortune. These are matters for the civil courts (if it comes to that) rather than criminal jurisdiction. This doesn’t mean that you won’t receive a court judgement against you and that a sheriff won’t come knocking one day, wanting to claim whatever he/she can of your possessions to offset the debt. But there are ways to avoid this also.

If your credit history is bad and you’re financially strapped, here is some advice that may help.

Firstly, compile a list of all bills and expenses you have. If you have credit card debt, summarize the balance, minimum payment amount and interest charges.

Now break your expenditure list into essential and non-essential payments. “Essential” means survival needs like food, electricity and rent or mortgage as the case may be.

Prioritise the “essential” things to be paid first. Anything left over can be distributed among the non-essential items. If a debt collector tries to harass you, don’t even think about using your survival money to satisfy them. The law is on your side here. If debt collectors become hostile or harass you, they are in violation of the law.

From now on, only spend money on essential things. If you have other people you’re taking care of beside children, they should be asked to contribute something towards living expenses. Or if not, perhaps they have a skill they can use to help save money (e.g. do repairs, mend clothes, run errands)? They may even be able to develop a hobby into a small money making venture, to supplement the family income.

Debt problems can be very stressful and if unresolved, make life a living hell. But you can take control by working out a plan and educating yourself about how the law works to protect your rights. Knowledge is power!

How To Find The Best Criminal Lawyer

Sometimes people are accused of crimes that they have not even committed. You may be accused of drunk driving, robbing your neighbor’s car or even homicide. What do you do to prove that you are actually innocent? Hire a capable criminal lawyer of course!

A criminal lawyer is one who represents people who have either committed a crime or someone who is wrongly accused.

When you are charged with a crime, it is your job to find a good attorney for yourself. This maybe a little expensive, but it is advisable not to compromise as it is your life is at stake here.

In cases where a defendant does not have sufficient funds to hire his own lawyer, the court hires one for him. This may or may not be a good thing. An attorney hired by the court is also paid by the court, so it does have its drawbacks.

You may think that with so many lawyers listed in the yellow pages, it is going to be easy to find one. Well, no it is not. Not all of the listed ones are good enough and some may not be even represent people charged with criminal cases. So how are you going to find a good lawyer for yourself?

  • You could start by asking family and friends for recommendations. They might even know a few good lawyers or some may even have hired one before.
  • Do not be hasty in hiring a lawyer. Meet with them, speak to them and find out a little about them. You should have an idea about how long they have been handling criminal cases and how many successful cases they have had. It is always better to know the person who is going to be handling your case.
  • It is always advisable to hire a local lawyer. He will be familiar with the local and law and any recent changes that may have been made in it.
  • Some lawyers also have associates who fight cases they have been appointed for. Make sure that are you aware of who is going to be representing you. You do not want to be burdened with an inexperienced person fighting your case.
  • Hire a lawyer you are comfortable with. He should be someone you can talk to easily.
  • Help your attorney to help you. Do not hide anything from him. The more honest you are with him the easier it becomes for him to fight your case.

One way of ensuring you get the justice you deserve is by hiring the right criminal lawyer. Northampton citizens can rely on Aaroe Law Offices for the best legal advice and aid.

Business Bankruptcy Lawyer – Finding One

You must seek the professional guidance of a business bankruptcy lawyer if you are filing for business bankruptcy. Filing for business bankruptcy is very complicated, as there are so many factors to take into consideration. You obviously want everything to go smoothly and a business bankruptcy lawyer is there to ensure that everything goes smoothly.

Find A Good Lawyer

Your first job when you file for business bankruptcy is to find yourself a good and professional bankruptcy attorney who specializes in business bankruptcies. You do not want to do this at the last minute, because you would then end up settling for a mediocre attorney. Furthermore, your business bankruptcy lawyer will not have enough time to prepare your case.

To find a good attorney you can go online and do some extensive research on online bankruptcy lawyer. Make a list of names that you think are worth considering and interview each one of them. Your friends or family members, who have gone through a similar experience, can also recommend you a name. Your personal lawyer is another person whom you can ask for referrals.

If you are not clear about the kind of corporate bankruptcy legal representative or business bankruptcy lawyer you want, it would help you to spend a day or so at the bankruptcy court. Watch the lawyers representing their clients. You will then know the kind of lawyer you want.

Interview

When you go to interview a lawyer, do not hesitate asking all sorts of questions relating to your case. Inquire about his/her years of experience. Ask whether he/she has experience in handling your type of cases or not. Also pay attention to the type of office the lawyer has. An untidy and unorganized office is a negative reflection on the capability of a lawyer. Thus you should stay away from such a legal representative.

After you have chosen your bankruptcy attorney, it would help you to find out more about business bankruptcy. Your knowledge on business bankruptcy will empower you to take the right decisions at the right time. Your attorney would be able to provide you all the information that you need on the subject. Inquire especially about Chapter 7 and Chapter 11 of bankruptcy, because they deal with business bankruptcy.

Chapter 7 deals with the liquidation of assets. When you file for Chapter 7, the court will appoint a trustee, whose main job is to sell all your assets. Under Chapter 11, US Trustee will appoint one or several committees, who will come up with a reorganization plan.

Your business bankruptcy lawyer is the best person to guide you when it comes to deciding which chapter to file for. Right decision at this time will ensure that the bankruptcy process goes smoothly for you.