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Record High Home Foreclosure

During this era of record high home foreclosure and unemployment rates, many Americans are behind on mortgage payments and are understandably concerned about losing their family home.
Under current bankruptcy laws, an individual or family may be able to stop foreclosure of their family home. Many families who are facing foreclosure find that either their mortgage company will not work with them to stop a foreclosure, or want a very large cash payment in order to modify their mortgages. Unfortunately, the Federal government’s loan modification program has been a dismal failure, with few distressed homeowners finding any relief.

Many individuals and families are able to save their homes from foreclosure by filing a Chapter 13 bankruptcy, which is a debt reorganization under bankruptcy law. In most cases, filing Chapter 13 stops the foreclosure process, preventing eviction and giving the homeowner time to file a plan to reorganize debts. Without the looming threat of foreclosure and eviction, homeowners can work with their attorney to create a plan that allows them to affordably reorganize their debts and save their home.

Chapter 13 allows the homeowner to create a plan to repay the house payments that were missed prior to bankruptcy over three to five years. If the homeowner has fallen behind on property taxes, the property taxes can be paid over time in the Chapter 13 plan as well. Normally the homeowner makes one payment to a court appointed trustee, who pays pre-filing debts included in the plan from the payment. After filing Chapter 13, the homeowner then resumes making the regular monthly payment on the home, while the arrears are paid to the mortgage company through the trustee.

Chapter 13 can make it easier for the homeowner to resume making their house payments by restructuring their other debt as well. Credit cards, medical debt, personal loans, and other unsecured debts are paid through the plan, but may not have to be paid in full, depending on the homeowner’s income and family size. Many chapter 13 filers pay only a small percentage on these debts with the balances being “discharged” or forgiven by the court when the plan is successfully completed. Some car loans can be restructured to reduce the balance of the loan to the value of the vehicle, and to reduce the interest rate.

A homeowner who is facing foreclosure may be able to use the protections of bankruptcy to allow them to catch up missed payments over a reasonable period of time, and protect the equity they have in their home.

ABOUT THE AUTHOR: Dan J. Wallis, Attorney at Law
Attorney at Law
Board Certified- Consumer Bankruptcy Law
Texas Board of Legal Specialization

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Why Would Anyone Need Pre-Paid Legal?


Is Pre-Paid Legal an Effective Solution For Legal Services?
By Christopher Castillo

Why Would Anyone Need Pre-Paid Legal?

Harland C. Stonecipher discovered a need for a different kind of insurance that would be able to handle the legalities of life. Harland was involved in a serious car accident and ran into monetary problems when the expenses from the accident began to accumulate. It was then that Harland decided that there needed to be some kind of legal insurance for those who cannot afford legal consultation and representation. Many people in the world today have been in the same position as Harland C. Stonecipher before he founded this company. This is why Pre-Paid Legal has been serving North America since 1972.

With such a useful service that has been around for 37 years, why doesn’t everyone use Pre-Paid Legal? After discussing this with a member of Pre-Paid Legal, I was told that there were a few reasons. First off, many people in society today are intimidated by lawyers. Because there is so much “jargon” in the legal industry, no one feels that they can really be sure that they understand how the legal system works. Because of this, many lawyers get the stigma that they can often change the “rules” in a legal situation whether it be right or wrong. Which is why there are many distasteful stereotypes about lawyers being dishonest and unethical. Another reason why many people are skeptical to the notion of having legal expertise available to them is because they think that it would be too expensive. Pre-Paid Legal is designed to be affordable to everyone from all walks of life. Not only is the member of Pre-Paid Legal covered, but their family is covered as well.

What Are The Benefits of having Pre Paid Legal in One’s Corner?

There are many times in life when certain issues arise in one’s lifetimes where one could use some kind of legal expertise. Pre-Paid Legal benefits include five primary legal areas of coverage: Preventive Legal Services, Motor Vehicle Legal Services, Trial Defensive Services, Rederal Tax Audit Legal Services, and any other exceptional legal service that one may need. There is also a Will Preparation Service that offers a annual updates of one’s will and testament.

Is Pre Paid Legal Really Credible?

Pre Paid Legal has a connection with over 50 independent law firms in the United States and Canada that are ready to lend their legal prowess to anyone who owns a membership. Pre Paid Legal stock is traded on the NYSE (New York Stock Exchange) as PPD. It is also a member of the S&P 1500 Super Comp index and the S & P Small Cap index. This is a truly revolutionary and unique service, because no one really knows when they will need a lawyer. I believe that is the product that can give one’s family a legal piece of mind.

Expert Author Christopher M. Castillo of http://www.HomeMarketingGuru.com is a top internet marketing guru who works with industry leaders in developing the best tools to automate making money online. His real passion is for helping others achieve their goals, dreams and aspirations of earning a full time living online with his methods. Christopher is also known for small business consulting, business plan creation and for teaching others how to make business success. Christopher M. Castillo is an expert in marketing holds a BBA and MBA in Marketing and has decades of experience in Marketing for corporations, small business and non-profit organizations. To learn more how Christopher M. Castillo and his team of Mentors can teach you to make money online today, visit them at http://www.HomeMarketingGuru.com and take a FREE TEST DRIVE!!!

Article Source: http://EzineArticles.com/?expert=Christopher_Castillo

http://EzineArticles.com/?Is-Pre-Paid-Legal-an-Effective-Solution-For-Legal-Services?&id=3124973



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Is Legal Self Help Right For You?


Is Legal Self Help Right For You?
By Kennard McGill

For common legal matters you don’t have to hire an attorney, who could charge you hundreds even thousands of dollars versus using a legal self help service.

Technological advancements have allowed consumers to do numerous activities online today, providing convenience and instant access to services once considered expensive and time consuming.

Finding a lawyer to handle your legal issues is no longer necessary especially if completing the appropriate legal documents is all that is required to fulfill your personal or business needs.

Businesses that offer legal document services, from free downloadable legal forms to legal document services are growing. Their growth is due to two factors: one being the overwhelming demand for legal self help services as it provides a cheaper alternative to traditional lawyers; and two it’s often a much quicker and convenient choice. Today over 50% of all divorces are now done without legal representation.

Legal self help services typically cover common legal matters such as business incorporation, copyright fillings, trademark applications, uncontested divorces, small claims, living wills and much more. Typically what’s required is that your forms are prepared accurately and submitted to the appropriate court or agency.

An important distinction should be made when it comes to those who download legal documents or use a legal self help service versus an attorney. Legal self help service companies are not attorneys and cannot provide legal advice. Only a license attorney can provide actual legal advice for your situation. It is against the law for a document preparation service to provide legal advice.

Legal services online will generally check your forms for accuracy and submit them for you with instructions and the steps you need to take to advance your legal matter.

As well, downloading your legal documents will often mean you doing all the work of verifying your documents for accuracy and submitting them as well to the appropriate agency. This maybe risky as you run a chance of filling incomplete paper work thus prolonging your legal matter. Yet, you can still have a legal professional review your documents to ensure they are accurate.

Examining your current legal needs is crucial to saving yourself time and money. Legal self help service agencies are no substitute for someone needing the assistance of an attorney. But if you have an uncontested legal matter legal self help or do-it-your-self legal documents is by far the best and cheapest solution to solving your legal needs.

To find out more about legal self help services or to get help with legal forms you can visit LegalDocumentFinder.com

Article Source: http://EzineArticles.com/?expert=Kennard_McGill

http://EzineArticles.com/?Is-Legal-Self-Help-Right-For-You?&id=1474639



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No More Lawyers

Speeding Ticket Defense – Defend Yourself in Court Today!

Speeding Ticket Defense – Defend Yourself in Court Today!

By John Oleander

When people get speeding tickets, they immediately panic and contact their lawyers to defend them in court. The truth is, statistics show that nine out of ten traffic violation cases would have been better resolved if the people given the tickets only defended themselves in court. This means that once you know your rights, you can effectively defend yourself in court. Speeding ticket defense is easy to learn, and this article provides you with some of the basic information you need to know.

The first thing you must remember is that the court is your friend – and you should treat it as such. Once you are given a speeding ticket, a case against you is automatically up for trial. To make a good name and reputation, try calling the clerk often and call him or her by his or her first name. Your purpose is to get updated on any news as regards your trial, specifically deadlines and other important dates. When the clerk becomes a friend, try asking for continuances, which are basically delays for your trial, as often as you can. This is because when you are out of the memory of the police officer who gave you the speeding ticket, you’ll have a better chance at not getting a conviction. In some cases, too many delays finally led to dismissals of the cases in view of the police officers being transferred. This only proves that sometimes, you don’t even have to start on your speeding ticket defense; you just need to be polite and friendly enough.

Another thing you can do as an early speeding ticket defense before your trial actually starts is to ask for alternative punishment. Having tickets in your record can hurt your insurance. Since it is the clerk that has the authority to keep the speeding ticket off your record, ask him or her to let you go to driving school instead. Sure, you’re going to have to pay court expenses, not to mention for the ticket itself, but at least the premiums on your insurance won’t go up. That certainly saves you more money.

If all of your pleading fails, it’s time to accept that you are indeed going to trial. Your best speeding ticket defense, according to some speeding violators who won their cases, is to appear in court on the time and date of your trial. Do not skip it just because you are afraid; in some cases, the accused in a traffic violation automatically wins the case because the police officer fails to show up. What you are facing is only a misdemeanor case, and if you did not admit to your guilt when the police officer stopped you for supposedly speeding, then you’ve got nothing to worry about. You can plead not guilty again during your hearing, and can finally plead your case during your trial. Remember to stay cool-headed and respectful towards the judge (or jury, if you wish) and, most importantly, find out about your rights before you go to court.

Of course, the most efficient speeding ticket defense you can employ to stay away from traffic cases is to avoid speeding at all cost when you’re out on the road. If you did commit the speeding you are accused of, learn your lesson from your first mistake so you won’t be making the same one ever again.

Need speeding ticket defense? We show you how to get out of ANY speeding ticket with NO FINE, NO POINTS, and NO PENALTY. Go to Traffic Court Secrets now!

Article Source: http://EzineArticles.com/?expert=John_Oleander
http://EzineArticles.com/?Speeding-Ticket-Defense—Defend-Yourself-in-Court-Today!&id=1539015

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