New Chapter 7 Bankruptcy Rules

A good Fort Worth bankruptcy attorney knows and understands about how new federal bankruptcy laws passed back in 2005 has changed filing for bankruptcy. While you and your Fort Worth bankruptcy attorney can do everything you could in a bankruptcy case before 2005, it has become at least slightly more difficult to file for personal bankruptcy, though not impossible. However, you will need a Fort Worth bankruptcy attorney since they may have difficulty with your case so you can wonder how much harder you would find filing for bankruptcy on your own.

One of the main areas of bankruptcy law that has changed is in filing for chapter 7 personal bankruptcy. Also called liquidation and straight bankruptcy, chapter 7 personal bankruptcy sees a trustee appointed by the bankruptcy court helping you liquidate your nonexempt personal property to help pay back your creditors. You will not lose all of your property with this type of bankruptcy and, in fact, it is quite rare for anyone filing bankruptcy to lose their car and house.

You are allowed to use either federal bankruptcy exemptions or state bankruptcy exemptions to save your personal property from liquidation. This personal property is exempt and the property that actually gets liquidated is called nonexempt property. This is why the idea that you lose all of your personal property when filing for bankruptcy is simply a myth.

Chapter 7 personal bankruptcy is the quickest form of bankruptcy. Generally, you receive a discharge within months. However, a chapter 7 personal bankruptcy stays on your credit report for 10 years.

The 2005 federal bankruptcy laws made it more difficult to file for chapter 7. Now you must take a means test to determine how much disposable income you have. If your average monthly income exceeds that of the average monthly income for the state in which you are filing, then you are ineligible for chapter 7 personal bankruptcy. Your average monthly income must be lower or the same as the average monthly income for the state in which you are filing.

For experienced, knowledgeable and trustworthy bankruptcy assistance, contact the attorneys from Call toll-free 800-260-1402 today for your initial free consultation or come into one of their 100 offices across the country.

Probate Insider Reveals: Create Wills And Prevent Miscarriage Of Justice

Michigan probate records reveal that a step mother was being sued by her step-kids (ages 15 to 20) after the death of her spouse. As a woman and mother, she has put her love and passion for her family to teach not just your own kids; but her step-kids, too. And if having cancer is not enough for this family, the steps to prevent emotional and financial turmoil is disclosed for this responsible woman to consider.

It is surprising to know that most Southfield Michigan attorney advices center on wills that are standard or do it yourself, and living trusts. Because of this, most estate plans created by Wills and Trusts lawyers in Oakland County fail 15 critical points, hence, there is still fear of being taken advantage that can last for years even after the death of a spouse.

It was very humiliating and stressful once my husband died at age of 48. Because the first thought on his kids mind was wheres our money? I never thought this could happen to me, said one courageous woman who requested not to be identified.

At a recent conference, Southfield Michigan attorney and Wills and Trusts lawyer in Oakland County, Joseph J. Dadich, was asked what this woman did right and what should more women like her do to prevent this fear and from being taken advantage of.

Mr. Dadich commented, You are 93% more likely to have your plan fail if your Emergency Estate Plan, standard or do it yourself wills, and living trusts misses the critical points. Its not a matter of if this might happen, but when.

The most critical component of this womans will and trust is centered on the Casanova Clause, and an excerpt from Mr. Dadichs new book reads, Without the golden handcuffs a surviving spouse may squander those assets

Dont wait until its too late to get your standard and do it yourself will, living trust, power of attorney, medical power of attorney created so as to protect your most-prized possessions and prevent depression from setting in.

The first 3 chapters of Atty. Dadichs new book, Celebrity Estate Plans Gone Bad Secrets Every Woman Needs to Prevent Emotional and Financial Turmoil when a Spouse Dies, is distributed for free. For more information, you may contact Empowering Women Now! Media or send an email to

If you want an interview with Atty. Dadich, you may call at 248-358-6965 or send an email to

Atty. Dadich offers his services at the Detroit Metropolitan area, which includes Birmingham, West Bloomfield, Waterford, Clarkston, Royal Oak, Ann Arbor, Livonia, Lake Orion, Auburn Hills, Detroit, Grosse Pointes, Warren, Sterling Heights, Clawson, Madison Heights, Novi, Belleville, Farmington, Farmington Hills, Northville, Plymouth, Romulus, Southfield, Lathrup Village, Huntington Woods, Ferndale, Berkeley, Rochester, Rochester Hills, Troy, Oxford, and Ortonville.

Further areas of Atty. Dadichs services are: Southfield, Birmingham, Bloomfield Hills, West Bloomfield Hills, Farmington Hills, Farmington, Novi, Oak Park, Detroit, Warren, Centerline, Sterling Heights, Fraser, Roseville, Eastpointe, St. Clair Shores, Clinton Twp, Mt. Clemens, Harrison, Chesterfield, New Baltimore, Macomb, Shelby, Washington Twp, Ray Twp, Armada Twp, Bruce Twp, Richmond, Lenox, New Haven and neighboring cities and communities.

Joseph J. Dadich, Esq. and CPA, is renowned as the NO BS Lawyer, and created the 20-Minute Emergency Estate Planning Blueprint. He manages his own law firm Dadich & Associates, PLLC. You may visit for more details.

Florida Pain Clinic For The Elderly

Medical facilities offer treatments and examinations to individuals of all ages. The elderly can often benefit by visiting their doctors not only to treat current ailments but to also get advice on how to live healthier, longer lives. A Naples pain clinic can do so as well. Those individuals who are of an older age may find that visiting a FL pain clinic will offer them treatment options as well as access to good medical advice. The older you get, the more pain you may have to deal with daily. Elders may be looking for a pain clinic to help stop the daily sufferings and pain they have to deal with on a daily basis. There are several pain clinics on Florida where you may want to visit.

What Do Doctors Offer At Pain Clinics?

Doctors offer their patients quite a bit at a FL pain clinic. General examinations, helpful health advice, treatment solutions and physical therapy options are just a few of the many features one can take advantage of at pain clinics in Naples. Whether one has a previously diagnosed condition which they need to receive treatment for or they are inquiring about current symptoms so they can seek a diagnosis and treatment for such, pain clinics are the place to go for both things.

How Can The Elderly Benefit By Visiting a Naples Pain Clinic?

For elderly patients who experience pain, having the painful symptoms resolved is an extremely important factor. Elderly patients will be happy to know that pain clinic doctors can diagnose their conditions and help to find them treatment methods to fix their medical problems and ease their pain. These doctors are well-versed in many different areas of medicine and will help their patients to find the medical solutions they need to live healthy lives.

A trip to a Naples pain clinic is a great step in the right direction for those elderly patients who are tired of being in pain and want a solution to their medical issues. Clinics may be offering more help than just with pain if you are dealing with any other issues. Waking up and having to deal with the same pain everyday is an awful thing to have to deal with. Visiting a doctor in Florida may be the best option for you to take. These pain clinics offer the right avenue to pursue and one will have peace of mind after visiting a local pain clinic for evaluation and treatment.

Korunda Pain Management Center specializes in fl pain clinic and naples pain clinic. For more information, visit

The Importance Of Having An Estate Planning Attorney

It’s hard for anyone to ever know when his or her time is going to be up and is generally not something that a lot of people want to think about. It’s also not something that a family wants to think about or something that is easy on a family when it occurs. However, it does happen and it shouldn’t be ignored forever. It’s important for people to protect their assets and their family so that everything is taken care of when the day does come. This can be done by hiring a Chandler Estate Planning Attorney. This article will discuss what they do, where to find one, and what to consider when dealing with one.

A Gilbert Estate Planning Attorney is basically an attorney that helps people protect their estates when they pass away. For example, if someone owns a home, a few cars, and some land, they will talk with an estate planning attorney in order to make sure that these things are given to the people they want them to be given to when they pass away. This type of attorney will make sure that those orders are followed afterwards.

It’s not too hard to find this type of attorney. It really depends on the area. For example, someone in Mesa, Arizona can simply go online and type “Mesa Estate Planning Attorney” into a search engine, conduct the search, and will probably be provided a list of a bunch of attorneys in the area. It’s important to shop around, though, and find one that has a lot experience and can be trusted. So, visit many websites before making a final decision and make a comfortable decision.

When dealing with one of these attorneys’ it’s important to make sure that everything is taken care of when it’s all said and done. Nothing special or valuable should be left out of a will and the orders given should be very clear in order to make the attorney’s job easier and to have peace of mind knowing that everything is going to be taken care of properly.

Pageviews works with the Chandler law offices of Robert J. Weber. A Chandler Estate Planning Attorney will provide you with the legal representation that you expect and deserve. For more information about Robert J. Weber Attorney at Law visit

How Can An Attorney Help You Settle Family Disputes

A lot of people have no idea where to start searching for a lawyer. There are lots of different lawyers to choose from, and it’s hard to know how to sort them out. Keep reading to find out about hiring a great lawyer.

Before you sign up for a lawyer’s services, find out about his or her past. A lawyer may have his or her own practice, but this does not always equal success. Be sure that you find out what his track record is like so you can feel confident of his ability to do a good job for you.

You always need to be researching a lawyer’s history prior to hiring them. Mere possession of a license to practice law does not necessarily make for a good attorney. Be aware of their record so you can be sure they will do a good job.

TIP! Hire a lawyer that is accessible. Many people feel that it is difficult to stay in touch with lawyers.

You may wish to have the lawyer on retainer already, in case of the worst happening. By doing this, you won’t be quite as stressed. Instead, you can take time to find the best lawyer for you. Expert advice will be at your disposal with a lawyer to fall back on.

Real Estate

Real estate lawyers are extremely helpful in legal situations involving real estate, such as buying or selling a home, renting or lawsuits involving any of these subjects. They’ll get the case done and over with quickly and positively.

Don’t just accept the first lawyer alphabetically in the Yellow Pages as your choice! You have to check out many lawyers to know what is available. I went with a referral from my realtor, but that lawyer turned out to have been disbarred for malpractice. It is always better to be safe than sorry.

TIP! You and your attorney need to establish a good working relationship and communicate regularly. Often an attorney will not contact their client for a long time after being hired.

When meeting with your lawyer, ask every question you may have. A good attorney keeps his client informed. If you do not feel your lawyer is sharing enough with you, you should get a new one.

Try your best to avoid a large retainer. If your lawyer requests a large retainer, make sure you know what this is paying for. You also need to check with others, because there are attorneys that will charge you a small retainer, charging you later for anything additional.

Before you take on a lawyer, talk to your local bar association to find out whether they have had complaints in the past. If you find one or two, you shouldn’t be too worried. However, if you find more than that, you may want to think of looking elsewhere.

When you are searching for a business attorney, make sure you get some business recommendations. They may have used a great lawyer in the past. For example, if you are thinking about small business laws, speak with a banker or an accountant. They will have experience with these lawyers and be able to help you.

TIP! You need to figure out what your budget will be. Can you afford to go forward with your case? Always request a written estimate of costs, fees and hourly rates.

Your case might suffer if the workload of your lawyer is too heavy. Just come out and ask him or her if they can spend time on your case. They need to be candid when it comes to their own schedule so that you can find someone able to dedicate sufficient resources to your matter.

You should have everything prepared ahead of time before your meeting, as this will save you both money and time. The lawyer can give you a better estimate of their charges if they know what all is involved in your case. By being prepared, you will be able to get the case moving faster while cutting your over all expense.

Referrals from a general lawyer can also be very helpful. Most lawyers will specialize in one particular field, so your lawyer is the best person to help you find the specialist you need. If you are a current client, your lawyer will want your continued business and give you a good referral.

Do your research ahead of a workers’ compensation claim. Every state has different laws regarding the amount of time you have to file and the proof you need to show. Worker’s Compensation is unlike other claims in court and should be handled differently. Worker’s Compensation claims have unique standards that need to be met.

TIP! Some states may allow family members become entitled to compensation if the provider has passed on when working. Workman’s Comp benefits workers and their family members.

Finding a great lawyer that can meet your needs will likely be time consuming. Thankfully, this article has provided you with excellent advice that will help to decrease this time so that more productive time can be spent on winning your case. Apply the tips from this article to make a choice that is the right fit for you.

The Future of Elderly Care

The technology involved in elderly care is progressing at a rapid rate, and the introduction of quality telecare is just one of the reasons for this. But have you ever imagined what care for the elderly could be like in 50 or even 100 years? We have let our imaginations run and have come up with some amazing gadgets that could quite possibly see the light of day. When cars zoom through the skies, meals are served in pill form and neon lights on the sides of skyscrapers act as street signs, here are some gadgets that could assist you in your old age:

· Clothing Airbags:

Slips and falls account for most deaths and serious injuries among the elderly. Unfortunately, there is no telling when these accidents could occur or when they will result in your elderly loved ones lying in pain for hours until they get hold of somebody for help. There is a solution, fashionable vests and shorts that can be worn underneath the clothing – with a difference. They will be fitted with air bags that are connected to a tiny computer chip in the lining. This computer will automatically sense the change in body direction and velocity, forcing the airbags to deploy and safely cover the entire body from head to toe. Seconds after impact, they will slowly remove the air and push you into a position where you can simply get back onto your feet.

· Solar-powered Wheelchairs:

These are actually not that far away. There are already working models around, and not only will they save you money, but they are eco-friendly as well. Because the battery will constantly be powered by the sun, you will never find yourself stranded while waiting for power.

· Cigarette Bubbles:

Smoking is bad and you should definitely stop before you get into your late years. The problem is, many people don’t and are at risk of burning themselves or setting something on fire. Falling asleep while smoking is one of the biggest factors. Now, all you need to do is dip your cigarette into a technologically advanced solution that reacts to heat and provides oxygen within it. As soon as you light up, a protective bubble surrounds the cherry of the cigarette and stops it from burning anything. Once you are done, drop the cigarette in the ashtray and when it dies, the bubble will simply retract.

· Medical Body Scanner:

A portable device such as a watch will read nanomachines which were inserted into your body, and will constantly scan your body to pick up any changes and warn you of possible health threats in advance. The system will provide you with more than enough time to get to a doctor and hospital where they can deal with your medical problem. This will prevent the stress and trauma that comes with a medical emergency and could save your life.

Although these elderly care devices sound great, you should still consider the likes of telecare which ensures that your loved ones have access to assistance 24/7.

Anita Lyon is a Professional freelance and experienced SEO Copywriter and writes on various topics. It’s difficult to understand how the advancements of Telecare technology can save the lives of the elderly until you experience it for yourself. Help care for the elderly by implementing a emergency call system into their home.

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A Must Read For Every Medical Student and Clinician – The Wills Eye Manual

Every English major owns a collection of Norton anthologies and Penguin classics. Every law student owns a copy of Jill Poole’s standard textbook on contract law. Every nursing student owns a copy of Grey’s Anatomy. Every ophthalmology student and every resident completing an ophthalmology rotation must own Wills Eye Manual; it has no equal, and you cannot find a reliable substitute. Just as naturally, automatically, predictably, and inevitably as internists and primary care physicians invest in high-quality stethoscopes, eye-care professionals invest in the latest, most up-to-date edition of Wills.

Not surprisingly, well-schooled and long-experienced ophthalmologists find Wills Eye Manual more useful as an essential office ornament than a tool in everyday practice-the equivalent of a thesaurus for Herman Melville or a “how-to-draw-a-girl” book for Leonardo DaVinci. They know the manual as if they had written it themselves. The specialists’ objections, however, prove the manual’s utility for general practitioners. When the specialist complains, “The book has nothing but the fundamentals-basic symptoms, essential treatments, and very simple figures and illustrations,” the generalists nod heartily, saying, “Exactly!”

Now in its fifth edition, Wills Eye Manual remains “the gold standard” of eye-care references. Of course, it still details the fundamentals of ophthalmological diagnosis and treatment, but it has a whole new and much-improved look. For the first time, editors and designers have included glossy pages replete with colour photographs; and they have simplified quick look-ups with tabs and headings in colour. The editors–Ehlers, Shah, Fenton, and Hoskins–wisely have kept the manual’s efficient, logical outline design; and they skillfully have balanced essential clinical terms with everyday language. In many cases, they add notes and anecdotes from exemplary cases, suggesting examples professionals may follow or warning about common mistakes that complicate patients’ disorders or injuries.

The publishers also collaborated with IT professionals at Skyscape, digitizing the fifth edition of Wills Eye Manual, and making it more readily accessible to physicians in emergency rooms and high-volume clinics. The entire fifth edition of the manual, including its supplemental chapters, large appendices, and Pharmacopoeia are available on CD-Rom for Windows operating systems. Skyscape subscribers also may view the manual online. Moreover, Skyscape has released the fifth edition of Wills Eye Manual for handheld computers that use the Palm operating system. Every clinician and front-line caregiver now has Wills Eye Manual within easy reach.

Bianca Worsley is a health writer. To get the best price on The Wills Eye Manual and other excellent ophthalmology books please visit

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The Right Bankruptcy For You

One of the things that Fort Wayne bankruptcy attorneys can help you with is deciding what kind of personal bankruptcy you should be filing for. As Fort Wayne bankruptcy attorneys know, there are multiple kinds of bankruptcy, including chapter 11 bankruptcy, chapter 12 bankruptcy, chapter 7 personal bankruptcy, and chapter 13 personal bankruptcy. Given that you are an individual, you will be filing for personal bankruptcy, and, therefore, do not need to concern yourself with chapter 11 bankruptcy or chapter 12 bankruptcy. They concern farmers and businesses.

You and your Fort Wayne bankruptcy attorneys need only concern yourselves with chapter 7 personal bankruptcy and chapter 13 personal bankruptcy. Sometimes called straight bankruptcy, chapter 7 personal bankruptcy sees a trustee appointed by the bankruptcy court helping you liquidate your nonexempt personal property in order to use that cash to help repay your creditors. This is generally the quickest method of bankruptcy and sees you receiving a bankruptcy discharge within months.

However, a chapter 7 personal bankruptcy stays on your credit report for 10 years. It can also be difficult to become eligible for it. You must take a means test and show that your average monthly income is lower or the same as the average monthly income for the state in which you are filing personal bankruptcy. However, if you are ineligible for chapter 7 personal bankruptcy, chapter 13 personal bankruptcy becomes an option.

Chapter 13 personal bankruptcy reorganizes your debts into a three to five year repayment plan. While this kind of bankruptcy generally takes years for you to receive a discharge, you get to keep most of your nonexempt personal property. Also, a chapter 13 personal bankruptcy will only stay on your credit report for 7 years.

Your Fort Wayne bankruptcy attorneys will know which type of bankruptcy you should be filing for after considering all the specifics of your bankruptcy case.

For experienced, knowledgeable and trustworthy bankruptcy assistance, contact the attorneys from Call toll-free 800-260-1402 today for your initial free consultation or come into one of their 100 offices across the country.

Bankruptcy Lawyer- Where To Start

If you are in the position of making an appointment with a bankruptcy lawyer, you are ready to make some difficult decisions. Over the next coming weeks and months much of your personal information is going to come to light as a search ensues for all of your assets as well as debts that you owe. In this type of situation you need to find the right person that you can trust as well as someone that is going to work hard to find out what is in your best interest.

Make An Appointment

The first step to this process is making an appointment with a bankruptcy lawyer. You may have heard about one from a friend or co-worker or just searched one out based on credentials. Either way, use this time to present your issue and let them know where you are at financially. It can only be in your best interest to be completely honest so that they can determine the best course of action.

Bills and Paperwork

Bring all of the paperwork that you have to the firm for your bankruptcy lawyer to look over. Credit card statements, mortgage information, the balance on your auto loan and a current statement from the bank for your checking or savings account. While you may not need all of this at the first consultation, it helps if you have it with you for a point of reference in the conversation. Also, be prepared to collect any other documentation necessary for the next meeting. You may receive a checklist to take home to aid you in collecting all other information necessary.

Take Time to Make a Decision

Depending on your specific situation, you may or not hear good news. No matter what, take time to go home and think about all of your options. Your bankruptcy lawyer will understand if this is a little overwhelming and you are having a tough time knowing what to do next. There may be different decisions that you need to weigh out and you don’t want to be rushed into making a mistake. If you need to discuss this with a spouse or partner, go ahead and see what the other person has to say as well. When you have decided how you want to proceed, call your bankruptcy lawyer to set up another meeting.

Work Closely with your Attorney

Now that you have decided to proceed, make sure that you are working hard to keep your bankruptcy lawyer up to date with any changes or information he or she may need. Keep to the deadlines and provide any assistance possible. Remember, the firm is working for your best interest and if you don’t provide documentation on time or don’t return phone calls you are just hindering your own case.

Throughout the experience, talk to you bankruptcy lawyer about any concerns or worries that you are having. While this can be a difficult situation to handle, your representative can give you information to set your mind at ease or explain exactly what is happening so you understand.

It’s important to choose an experienced bankruptcy lawyer who can best suit the clients’ needs and case. For more information, visit

Do You Trust Yourself?

Do you trust yourself, or do you doubt yourself?

Do you trust the deep currents of your heart, the desire that is the essence of your being?

Whether we can truly trust ourselves depends on how aware we are. If we are walking through life with our eyes closed to a lot of what’s happening all around us, and especially what’s happening within us, we have every reason not to trust ourselves.

However if our eyes are open, so that we are present to our internal world as well as to our external world, then we have no reason to doubt.

Everything we need to know at a given time is readily available to us. The trouble is that we tend to shut our eyes to what we sense—what we are all the time picking up on and yet so often ignore because we don’t want to know.

Why wouldn’t we want to know?

How aware we are in turn depends on whether we like ourselves or whether we are constantly at war with ourselves, always trying to alter something about ourselves and fix ourselves.

The essence of trust in ourselves is our sense of our desirability.

I’m not talking romantic or physical desirability in the sense of our sexuality, personableness, or congeniality, but simply whether we feel wonderful in our inner being. In other words are we at peace with ourselves? Are we happy with ourselves?

You can recognize there are aspects of yourself that still need to be drawn out, areas in which you have yet to mature, without this undermining a quiet joyfulness at the heart of your being.

In infancy we were mostly happy with ourselves. We expected to be welcomed, wanted, embraced, delighted in. Self-doubt came later.

As long as we don’t feel comfortable with ourselves, we are going to want to hide aspects of ourselves. That’s when we close our eyes to what we really know—close our eyes to what’s happening around us.

Faith is trusting in ourselves, trusting the deep desire of our heart. It’s so very different from belief, which is trusting a set of mental concepts and propositions.

Even believing in ourselves is a mental concept. It’s trying to trust ourselves.

Trusting ourselves, which is real faith, flows spontaneously from knowing our essential goodness and relaxing into our desirableness.


David Robert Ord is author of Your Forgotten Self Mirrored in Jesus the Christ and the audio book Lessons in Loving–A Journey into the Heart, both from Namaste Publishing, publishers of Eckhart Tolle and other transformational authors. He writes The Compassionate Eye daily, together with his daily author blog The Sunday Blog, at


from Springfield, We talk with attorney James Lestikow — an estate planner — and learn why everyone should plan ahead for the time when they’ll die. Some 70-percent of Illinoisans die without…

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