Pages Menu


Five Items You Can Easily Sacrifice During A Divorce

Posted by on Jul 2, 2015 in Uncategorized | Comments Off on Five Items You Can Easily Sacrifice During A Divorce

A key to getting through divorce is compromise. This can also be one of the toughest parts of a divorce. With a little compromise, you will have room to work out your agreements during mediation with divorce lawyers. The following five items may be seem important, but overtime, they can get replaced and will help you through divorce proceedings. Magazine Subscriptions Sharing a home with a spouse often involves shared delivery of items like magazines or newspapers. These subscriptions are often prepaid and will continue delivery even during a divorce. Instead of battling over subscription changes or remaining issues, it’s a good idea to just let that battle go. Magazines and newspapers can easily be replaced and sent to a new home. When getting new subscriptions, you may have the ability to find better rates and deals. It’s also a good time to consider what periodicals you actually still read. Movie & Book Collections The library of books and movies in your home can become another complicated battle during divorce proceedings. In the long run, it will feel frivolous if you’re feuding with your former spouse over a few forms of media. Used DVD and book sales can help you rebuild a collection and gather your favorites again. Streaming websites have also expanded your options for watching your favorite movies. Use resources to find all of your movies online and know that you can move on without the physical discs. By giving up the movies and books, you may have the ability to negotiate with lawyers on other items that have more importance to you. A lot of the movies and books are often items you will never watch or read again. Wedding Gifts Early on in divorce proceedings, the wedding gifts in your home may feel like important keepsakes. As you start over with a separate life from your spouse, it may be a good idea to permanently remove the reminders of your wedding. A variety of wedding gifts can be let go of. This includes wedding dishware, custom monogrammed items, or household items like appliances. Work with your lawyer to determine the value of these items as you work to split assets. Personal Gardens A big part of any divorce is relocating to a new home. While a lot of the items can be removed from the home, you may have to sacrifice some items that are harder to move. One of the hardest items to move is your personal garden. Gardens are a lot of work and hard to give up, but there are always ways to recreate the garden in a new home. Take pride in the work you’ve done with images and video clips. This will allow you to look back on your garden without digging up your lawn or debating with your spouse over the rights to the garden. Starting a fresh garden can be symbolic of your new path in life. It can also give you something to focus on as you get through the painful divorce process. Public Areas The public areas around your town or city may not come under any ownership battles, but sacrificing certain public areas will make it easier to cope and separate yourself from a spouse. Make things easier by giving up local grocery stores or...

read more

Can You Sack Somebody On Disability Leave?

Posted by on Jun 11, 2015 in Uncategorized | Comments Off on Can You Sack Somebody On Disability Leave?

According to the Social Security Administration, the number of applications for disabled worker benefits in the United States exceeded 2.5 million in 2014. As well as the financial cost to the U.S. Government, these claims cost American employers billions of dollars in lost working hours. American law protects disabled workers who cannot work, but this legislation does not mean you cannot take action in certain circumstances. Find out why. Applicable legislation In the United States, two federal laws protect employees on disability leave. The Americans with Disabilities Act (ADA) aims to protect disabled people throughout their working and personal lives. The Act offers comprehensive protection in many areas, including the workplace. Under Title I, American employers cannot discriminate against their disabled employees from recruitment right through to termination. According to the ADA, you do not have to offer disability or medical-related leave, but you do have to make reasonable accommodations to help any disabled workers. In some cases, a court may rule that leave from work is a reasonable accommodation you have to make. The Family and Medical Leave Act (FMLA) applies to all employees. Under the Act, employees can (in certain circumstances) take up to 12 weeks unpaid leave each year. Applicable circumstances include disability, illness, injury recovery or taking care of a family member with a disability. Other legislation (like Workers’ Compensation laws) may also apply to workers on disability leave. In fact, multiple laws can simultaneously protect workers on disability leave, so you need to think carefully about any action you take. Disciplinary action against employees on disability leave According to these laws, you cannot take action against an employee because he or she is on disability leave, but you CAN take action for other reasons WHILE the worker is on leave. For example, if an employee has a problem with late attendance or other performance issue, employers can take action if he or she then takes disability or medical leave. Anti-discrimination laws protect employees from unfair treatment, but the law also recognizes that employers must operate efficiently and profitably. As such, if it is not unreasonable for an employee to attend work on time, you can take disciplinary action, even if he or she needs to take disability leave.  Some employees mistakenly believe that medical leave can protect them from any type of action from an employer, but this isn’t true. Indeed, if necessary, you can still sack somebody on disability leave, provided your reason for termination has nothing to do with the person’s disability. Disciplinary action related to an employee’s disability leave While you cannot take action against somebody because they are on disability leave, you can still tackle an employee who doesn’t follow an agreed company process. For example, the FMLA gives all employees up to 12 weeks unpaid leave each year, but if somebody does not return to work immediately after this (or exceeds this amount in one year), you can take action, even if the employee used the leave because of his or her disability. Similarly, you can ask employees to report their absence in a certain way. If the worker then fails to notify you, you can take disciplinary action. In extreme cases, this could mean that you sack somebody on disability leave. If you exhaust every attempt to speak...

read more

Passengers In Truck Accidents Have Multiple Ways To Collect

Posted by on May 19, 2015 in Uncategorized | Comments Off on Passengers In Truck Accidents Have Multiple Ways To Collect

Colliding with a big rig is, perhaps, one of the scariest accidents a person can be involved in. If you are passenger in a vehicle, however, you may have an easier time collecting compensation for injuries and losses you sustain than if you were the driver, because you don’t have to prove liability for the accident; you just have to know who to sue. Here are the various avenues for recompense available, and what you need to do to collect. Suing the Driver of Your Vehicle If the person driving the vehicle you were in was responsible for the accident, then you can file a claim for damages against the individual’s insurance. You would essentially treat the situation like any other accident, and request the person’s insurance information and file a claim. However, there are two hiccups you may run into in this situation. If the driver of the vehicle doesn’t have sufficient insurance or any insurance at all, then you’ll have to file a claim under your own policy’s uninsured/underinsured coverage or sue the person directly for the damages if the individual has sufficient assets. Being closely related to the individual (e.g. spouse or child) and living in the same household will also present a problem. Typically, you may not be able to submit a claim against the insurance company because you may already be covered by the policy, and you cannot submit a liability claim against your own insurance company. You’ll only be able to use the same recourse for compensation as the driver of the vehicle. Suing the Other Driver If the driver of the other vehicle is liable, then you can tap his or her insurance policy for your damages. Like before, you would simply get the insurance information and submit a claim or take the person to court (if he or she doesn’t have insurance). If you live in a comparative negligence state, though, you’ll only be awarded the percentage amount the person was found liable. For instance, if the court or insurance company finds the person was only 60 percent liable for the accident, the individual will only have to pay 60 percent of your bill. The good news is, as a passenger of the vehicle, you can file claims against both drivers and recoup the full amount owed. So if the driver of your vehicle was found 40 percent liable, then that person would be liable for paying the 40 percent of your bills still owed. However, you cannot collect more than what’s due. If you are hit with $10,000 in medical bills, you cannot submit a $10,000 claim to both insurance companies and expect to get paid the full amount by both ($20,000). The insurance companies (or drivers) will only be jointly responsible for paying their share of the $10,000. Suing the Trucking Company You may have a lawsuit against the trucking company as well if the driver of the big rig was acting on behalf of his or her employer at the time the incident occurred. Employers can be held vicariously liable for employees’ acts if those acts occur while the employees are performing their job duties. For instance, if the truck driver was making deliveries for the company and caused the accident, you can hold the employer responsible for...

read more

What Happens If You’re Injured after Your Flight Is Grounded Due to a Natural Disaster?

Posted by on Apr 30, 2015 in Uncategorized | 0 comments

The recent tragedy in Nepal has left thousands of travelers stranded, awaiting a route home as airlines and other carriers have focused on the evacuation of those most closely affected by the earthquake. If you’re injured after your flight has been re-routed due to a natural disaster, what are your options? What if your only “injury” is to your pocketbook–are you entitled to recover financial damages resulting from your unplanned layover?  Here is how some principles of personal injury law may apply if your flight has recently been re-routed, as well as the accommodations an airline is required to provide upon redirecting your flight. What must an airline provide upon re-routing your flight? If you’re traveling on a US carrier and your flight has been re-routed to an alternate airport (or even country), the airline is required to reimburse you for the unused value of your ticket. However, in many cases, you’ll also need to secure accommodations for an overnight stay before the next outgoing flight is available. In this situation, the airline may provide–however, depending upon the specific contract language contained on your ticket, you may be entitled only to a voucher for a reasonably priced hotel, rather than reimbursed for the full costs of the hotel you use.  If your airline carrier has exempted ‘”acts of God” from the situations for which it is required to reimburse passengers, you may even need to provide your own hotel room. Using this rationale, because the natural disaster was caused by unforeseen elements, rather than the airline’s action (or failure to act) the airline should bear no financial responsibility for any resulting inconvenience. However, in an effort to improve customer relations, an airline may still opt to cover some of these costs. Is the airline responsible for any injuries or financial damage you suffer as a result of a re-routed flight?  If you’re injured while stationed at an alternate location, or if you miss a once-in-a-lifetime event because your flight has been re-routed, you may have a legal claim against the airline–but only in certain situations.  In general, the airline will not be responsible for injuries (or financial damages) you’ve suffered if its course of conduct was deemed prudent and reasonable under the circumstances. For example, if your flight path took you through an earthquake-affected area and your plane needed to continue past the affected area to safely land, it’s likely this action will be deemed reasonable — and it’s unlikely you’ll be able to collect from the airline if you’re injured by a vehicle or suffer other injury while traveling to your temporary hotel.  If the airline instead chose to land in a dangerous area, against guidance or professional recommendations, this can establish the negligence or recklessness needed to succeed in a personal injury lawsuit.   What must you prove in able to recover damages from the airline? If you feel your injury was due to the airline’s negligence or recklessness, you’ll need to establish a few things in order to recover damages. First, you’ll have to show that the airline owed you a duty of care. The specific language governing the airline’s duties should be on your ticket (or in the documentation you received along with your ticket), and should state that the airline takes responsibility for transporting you...

read more

Negligence Laws Lets You Sue For Damages In No-Contact Motorcycle Accidents

Posted by on Apr 6, 2015 in Uncategorized | 0 comments

Although you may drive your motorcycle in a responsible way, the same can’t be said for other people on the road. If you take action to avoid hitting another vehicle and get into an accident, you can still sue for damages even if the other person doesn’t hit you. Here’s what you need to know about recovering compensation for damages in no-contact accidents. Suing for Negligent Behavior People have a legal duty to be careful of other drivers and operate their cars, trucks, and motorcycles in a safe manner when on the roadways. If they fail to do so, they may be found to be negligent and held liable for any and all outcomes that result from their actions (or failure to act). To successfully sue for negligence in a no-contact accident, you must prove four elements: The person had a duty to exercise reasonable care The person failed to exercise said care Their actions caused harm The harm resulted in actual damages (e.g. physical injuries) For instance, a person drifts into your lane because he or she was texting and not paying attention to the road. You stomp on the brakes or swerve to avoid hitting them but end up crashing into a tree. The person can be held liable for the damages caused and made to pay you compensation for your losses provided you can prove those losses are the direct result of the crash. Challenges to Proving Your Case The first challenge you’ll face is proving the person acted negligently. If the driver of the other vehicle has a valid reason for taking the action he or she did while on the road, the individual may be able to escape liability. For instance, if the person swerved into your lane to avoid hitting a child, they may be able to successfully use the Sudden Emergency Doctrine as a defense against charges of driving negligently. The Sudden Emergency Doctrine removes the standard of care people must take in cases where they are suddenly faced with an emergency situation through no fault of their own. As long as the person can prove he or she acted the same as any other reasonable person would in similar circumstances, the individual typically won’t be held liable. Without that assignment of liability, it can be difficult for you to make a case that the person should be responsible for your losses. You may still have a case, though, if the person’s actions were caused by a third-party (e.g. the individual swerved to avoid an oncoming drunk driver). In this situation, you can go after the third-party for your losses. Another issue you’ll face is proving the events happened as you claimed. This will be particularly challenging if the other driver doesn’t stop and you don’t have any identifying information that could help you track down the perpetrator. Not only will it be difficult to sue the other person for compensation for damages, you may have a hard time convincing your insurance provider to pay your claim. In this situation, you’ll need to find witnesses who will corroborate your story. These witnesses can be: A passenger riding with you on the bike People who stop to help you on the road Video recordings taken by other drivers, security cameras, or traffic cameras...

read more

Preventing Slip And Fall Accidents From Occurring At Your Business

Posted by on Mar 19, 2015 in Uncategorized | 0 comments

Personal injury cases can be a big deal for you or your business. If a personal injury case is filed against you, there is an entire litany of problems to deal with: court costs, maintaining the integrity of your business, making doubly sure it doesn’t happen again, etc. The best way to avoid a personal injury suit is just that: avoid it! Of the most common personal injury suits filed against businesses, many involve slip and fall accidents. There are plenty of ways to avoid such cases; these are just a few of the precautions that you can take. Salting The Outside Of Your Establishment During Icy Weather The most common time for someone to slip and fall in a public setting is during icy weather. Remember that you can be held responsible for the medical bills of anyone who has a slip and fall accident on your property during icy conditions. Luckily, you can use salt to prevent ice from forming, as well as use salt to make the icy build up melt faster. In some states, it is required that business owners salt pathways leading up to their business; for others, it is not a legal requirement, but it is highly recommended. By salting the pathways leading up to your business before and after icy weather conditions, you will be taking precautions against any potential personal injury suits. Set Cardboard Down During Rainy Conditions Rainy days are the most common of crummy weather conditions. They can also be established as a legitimate cause of injury for a slip and fall personal injury suit. A very common trick amongst businesses – especially mom and pop stores like delis, corner stores and family owned restaurants – is to place duct-taped cardboard on the floor of the business. This ensures that the floor will not remain constantly wet, creating a likely place for potential customers to slip and fall. Make Sure That Your Business Is Adequately Dry After Cleanup Many times businesses will neglect to make sure that floors are adequately dry after mop cleanups. This is a big no-no for all businesses. Make sure that employees are properly trained regarding mopping up messes and how to adequately dry the floor afterwards. Many employees are under the impression that mopping up an area, placing a wet floor sign near the potential accident, and then moving along to the next task is entirely adequate. It is best to perform a thorough-going mop job – including drying the floor – and then placing a wet floor sign next to the potential slip area in order to ensure maximum safety. Make Sure That Your Business Is Free From Ground Clutter Although water and weather-based slip and fall personal injury cases are the most common, there is a long list of other potential hazards that can cause someone to slip and fall at your business. One of the easiest things that you can do for your business is make sure that the floor is free of clutter. This can be a trying task, as many people have so little room for everything they wish to stock in their business. However, it is important to keep inventory of these items – cords, items in stock, etc. – and to keep a close eye on them,...

read more

Applying For Social Security Disability: Understanding The Process

Posted by on Mar 6, 2015 in Uncategorized | 0 comments

Experiencing a disability is a devastating time, and if you are unable to work, you worry about how you’ll pay for your bills and support your family. Luckily Social Security disability is designed to assist disabled people who cannot work. However, the process to apply for benefits is long and may seem overwhelming, so understanding a breakdown of the general process may calm your nerves. Initial Application The first step in getting disability through Social Security is to file a claim. Once the claim is received, it is processed by local Social Security Administration (SSA) field offices and Disability Determination Services (DDSs). First, SSA field offices verify your personal non-medical information, including your name, age, marital status, etc. Once that information has been verified as correct, your claim is passed on to the DDS. It is the DDS’ responsibility to confirm your disability. They use your medical sources to determine the extent of the disability. If there is not enough information, you may have to go in for a special examination. This is usually performed by your regular doctor, but in some cases, a specialist is used. Using all this information, the DDS makes a decision to either reject your claim or approve it and determine the benefit amount. Preparing for a Hearing In many cases, this first claim is denied. Even if you genuinely are disabled, you may not have provided enough information. In this event, an appeal hearing is your next step. It’s best to hire an attorney or advocate at this time to help you prepare for the hearing. Firstly, your social security attorneys will work with you on what you should say at the hearing. This is designed to help you clearly state your condition and not mislead or confuse the judge. During this time, your lawyer will also get in contact with your doctor. The lawyer’s goal is to gather all necessary medical records, test results and doctor statements to create a clear and unbiased view of your medical condition. If there is missing information, your lawyer may have you revisit your doctor, so a clear and complete picture of your disability can be presented. Attending the Hearing At the hearing, expect to be questioned on your disability. This is where your work with your lawyer to help form your answers will come into play. However, you won’t be the only person questioned. In many cases, your doctor may be called to answer questions regarding your condition. This is another reason you need a lawyer or an advocate. They have experience with disability law. They know what questions to ask and what information the judge wants to hear to help make a ruling. During this time, your attorney or advocate will also fight to get a fair disability onset date, so you get more back pay. Appealing the Claim on a Federal Level Hopefully, the judge finds in your favor at this first hearing, but if not, you’ll need to appeal your claim on the federal level. If you’ve been working with an advocate, you’ll now need to hire a lawyer as an advocate cannot appeal on a federal district court level. This process is much like the original hearing, expect you’ll be presenting to the federal district court. Your lawyer may gather additional...

read more

Interested In Private Disability Insurance? What Should You Know?

Posted by on Feb 18, 2015 in Uncategorized | 0 comments

Although many Americans are aware of the importance of life insurance coverage (with approximately 44 percent of households carrying at least some coverage), the number of American households with short- and long-term disability coverage is much lower. The paradox of this coverage gap is most individuals are much more likely to suffer a debilitating injury than an untimely death — and such an injury can have a permanent impact on your long-term earning potential. Luckily, there are a number of short- and long-term disability insurance policies available. Read on to learn more about what these types of disability insurance claims will cover to determine whether they are a worthwhile addition to your portfolio.  What do short- and long-term disability policies cover? These policies are generally complementary — in many situations, the only coverage difference is the length of time for which you can receive benefits. Once your short-term disability coverage has been exhausted, your long-term disability coverage should kick in.   Short-term coverage In general, short-term disability policies will cover a portion of your salary (usually between 50 and 70 percent) while you are unable to work due to your injury or illness. If your policy is paid by or purchased through your employer, you may be required to use up paid sick days or other leave before you become eligible for short-term disability pay. Depending upon the specific policy and your state’s minimum coverage laws, you can expect to receive coverage for at least 10 weeks, but generally no more than 26 weeks (or 6 months).  You may also be subject to lifetime maximums. For example, if you receive 6 weeks of short-term disability pay after an operation, and then a few years later take 26 weeks of short-term disability after a heart attack or serious injury, you may be prevented from filing further claims under your policy. Not all policies have these maximums, but you should be aware of your policy’s specific coverage to ensure that you don’t do anything to jeopardize your receipt of future benefits. Long-term coverage Once you’ve exhausted your short-term disability coverage and it appears you will not be able to return to work soon, your long-term disability coverage should kick in. This insurance can include coverage for long-term care (such as a nursing home or assisted living facility) as well as payments to help supplement the loss of income that can result from a chronic illness or other disabling condition.  Like short-term disability coverage, long-term coverage can provide a portion of your salary for an extended period of time. Many long-term disability policies are designed to help bridge the gap in time between the onset of your illness or disability and your qualification for Social Security Disability (SSD) payments.  What about maternity coverage? Many short-term disability policies also cover maternity leave, and may even kick in before the baby is born if you need to be on bedrest or have another complicating condition. In general, you’ll be eligible for 6 weeks of paid short-term disability leave if you have a normal delivery, and 8 weeks or more if you have a c-section or other complications.  How can you purchase this insurance? Many employers offer short- and long-term disability coverage as a fringe benefit — similar to health or life insurance. Because employers are...

read more

When Incretin Mimetics Kill: What Bereaved Families Need To Know

Posted by on Nov 20, 2014 in Uncategorized | 0 comments

People with type 2 diabetes commonly use one of several prescription medicines known as incretin mimetics. These drugs can help control the symptoms of the disease, but they can also cause serious side effects, and some type 2 diabetics have even died as a result of these medications. In some cases, the bereaved families of the victims can file a wrongful death lawsuit. Learn how incretin mimetics can kill, and find out what you need to do to file a lawsuit over your loved one’s death. How incretin mimetics work Type 2 diabetes is a chronic condition that affects your body’s ability to process the sugar you need for energy. Type 2 diabetics may not produce enough insulin to regulate sugar in the body, or they may become resistant to the effects of the hormone. Over time, the symptoms of type 2 diabetes can lead to serious health issues, including heart disease, kidney damage and problems with the feet. Incretin is the hormone that tells your body to release insulin after food, which then lowers the blood sugar. Incretin mimics take the place of these hormones in your body, prompting your pancreas to produce more insulin. The drugs also stop the pancreas producing too much glucagon, which forces the liver to release stored sugar. When you use the drugs as part of an active, healthy lifestyle, incretin mimetics can effectively help people with type 2 diabetes keep up safe levels of blood sugar. FDA approval The U.S. Food and Drug Administration has approved several incretin mimetics as a way to treat patients with type 2 diabetes. Patients can receive these prescription medications under several brand names, but they all act in the same way. The FDA approved sitagliptin phosphate in 2006, and another form of the drug (sitagliptin/metformin hydrochloride) in 2007. People with type 2 diabetes account for up to 95 percent of all cases of the disease. With 29.1 million diabetics in the United States, this represents a significant part of the population. As such, doctors have prescribed incretin mimetics to millions of Americans, and the problem continues to grow worse. Side effects Some patients have developed pancreatic cancer after using incretin mimetics. Experts believe that this disease will become the second most common cause of cancer-related deaths in the United States by 2030. This type of cancer is difficult to diagnose, and spreads aggressively. Doctors also have few available treatments, and the five-year survival rate is only around 5 percent. Pancreatitis is another serious side effect that can occur in people who use incretin mimetics. The disease occurs when enzymes from the pancreas start to digest pancreatic tissue, instead of food in the small intestine. Chronic pancreatitis gets worse over time and causes permanent damage. Death from pancreatitis is not common, but the symptoms can kill. FDA response to reports of side effects In 2013, the FDA issued a drug safety communication about incretin mimetics. The FDA stated that they would investigate some research that suggests a link between these drugs and side effects like pancreatitis and pancreatic cancer. The FDA had already issued a warning about reports of acute pancreatitis with some of these drugs, but this was the first time the organization had mentioned the potential risk of cancer. Incretin mimetics carry warnings on the...

read more

What To Do If Your Loved One Dies During Bankruptcy Proceedings

Posted by on Nov 20, 2014 in Uncategorized | 0 comments

Bankruptcy is designed to help people struggling with financial difficulties obtain a fresh start. Though it doesn’t occur often, sometimes petitioners pass away before the bankruptcy proceedings can be concluded. This can have unfortunate consequences for heirs if they don’t take action as soon as possible. Here is what you need to do if your loved one dies during active bankruptcy proceedings. Chapter 7 or Chapter 13 The options available to you for resolving your loved one’s open bankruptcy depends on whether the person filed a chapter 7 or chapter 13 bankruptcy. A chapter 7 bankruptcy is simply a liquidation of assets and a distribution of funds to creditors. The petitioner’s presence is not required for the court to do this. Therefore, the bankruptcy will usually proceed as normal even though the person who filed the petition is deceased. If the person was married but his or her spouse was not included as a co-debtor, the surviving spouse will be allowed to stand in the person’s stead and speak on his or her behalf. For example, you will be allowed to attend the meeting of creditors and testify about your loved one’s state of finances. Once you obtain a bankruptcy discharge, you can continue administrating the person’s estate like normal. Things are not as simple, though, in chapter 13 bankruptcy cases because these proceedings require petitioners to make monthly payments to trustees. A deceased petitioner cannot make payments, which can lead to the case being dismissed by the court. Without a bankruptcy discharge, the debts will be considered still owing and creditors will attempt to collect from the estate and heirs. How to Proceed with the Chapter 13 Case There are a few things you can do to resolve a chapter 13 bankruptcy case where the debtor has died. The first option is to let the court dismiss the case. As noted previously, creditors can then attempt to collect from the estate. However, if the person is truly indigent with no money or assets, then the outcome is likely to be the same as if the person had filed a chapter 7. The other option is to request the court convert the case to a chapter 7 bankruptcy. This may be the best option for spouses who were also involved in the bankruptcy proceedings. If the deceased person was the primary breadwinner, the loss of income may be enough to convince the court to make the change. Even if you’re not a co-petitioner, you may still be able to get a chapter 13 bankruptcy switched to a chapter 7, but this option is not available in every state. You will need to consult with a bankruptcy attorney for information about and assistance with pursuing this option in your area. A third option is to petition the court to discharge the debts anyway based on hardship created by the debtor’s death. To qualify for a hardship discharge, the case must meet three provisions: The repayment plan cannot be modified The debtor is unable to continue making payments because of circumstances beyond the person’s control Creditors received payments totaling the amount they would have received had the debtor filed for chapter 7 bankruptcy If the court grants the request, all debts will be discharged, including debts that wouldn’t normally be eligible...

read more