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Why You Should Seek Other Options Before Filing For Bankruptcy

So you may be wondering, why shouldn’t I just file for bankruptcy in Richmond?

Many people faced with financial hardship rush to bankruptcy as a method of resolving their debt problems, although their problems might have other better solutions.

We believe bankruptcy should ONLY be used as a LAST RESORT; pursued ONLY after all other debt relief remedies have been explored.

A bankruptcy filing is a very detrimental entry on your credit history, and can remain on your credit reports from 7 to 10 years after the bankruptcy filing has been discharged.

Here are some quesitons you should ask yourself before using a richmond bankruptcy attorney.

Can I continue to use my credit cards after I’m approved into the Debt Settlement program?

No. Continuing to use your unsecured credit cards after we begin the negotiation process may undermine our efforts and result in less than optimal outcomes for settlement. You can keep one card for emergency purposes but you should call each of your creditors and cancel your accounts. It’s important that YOU close your accounts and not your creditors because your credit file will reflect “Closed by Consumer” instead of “Closed by Creditor”. If you stop paying your creditors, it’s just a matter of time before your creditors close your accounts anyway.

What should I do when collectors call?

Upon acceptance into our program, we contact each of your creditors (in addition to any involved collection agencies and attorneys) putting them on notice that you’ve engaged our firm to help resolve your debts. We also advise them to direct all collection efforts to our firm,and to cease all communication with you. Most collectors would stop calling after we have contacted them.However, if you receive further calls, do not talk to them, instead you should refer them to our Client Services Department who will handle the situation and advise the creditor once again to cease communication with you. We will give you step-by-step instructions on what to do when collectors call you.

How does Debt Settlement compare to Debt Consolidation and Consumer Credit Counseling?

Under Debt Settlement we negotiate with your creditors to settle your debt for amounts significantly less than you owe; typically we can settle your debts for up to 70-75% less than your outstanding balances, saving you money on debt principal AND interest, and providing you the opportunity to pay-off your debt quicker. Debt Consolidation involves pursuing a NEW loan in an amount sufficient to pay-off all your existing debts. One of the challenges with Debt Consolidation is that it involves QUALIFYING for a NEW loan; generally it is difficult for individuals already in debt, or for those who have poor credit, to qualify for new loans.

Additionally, under Debt Consolidation you are still responsible for the entire amounts of all your existing debts. Consumer Credit Counseling Agencies claim to be non-profit agencies who, for an 8-15% fee paid by the lender, can sometimes lengthen the term of your debt and reduce some of your interest; however, your outstanding debt principal is not reduced. Additionally, this approach is typically a longer-term approach to debt resolution, taking 6-12 years compared to Debt Settlement, which can be completed in less than 3 years.

How will my credit rating be affected with the Debt Settlement Program?

Part of our negotiation process is to request that creditors reflect your accounts as having been paid or having been settled, with zero balances. Also, you must understand that your credit rating is a combination of two factors: Payment History and Debt-To-Income Ratio: the amount of debt compared to income. Whether you choose Debt Settlement, Consumer Credit Counseling, Debt Consolidation or Bankruptcy, the “Payment History” component of your credit file will be negatively affected. The good news is that as the Debt Settlement program reduces your debt significantly; your “debt-to-income Ratio” will improve quickly in a short period of time.

Additionally, attempting to resolve a debt through settlement is looked upon more favorably than filing bankruptcy. After completion of our Debt Settlement program, your debt-load should be minimal or at a level that you can live with. We also never report any information to any of the credit reporting agencies.

Always keep in mind that our program is the absolute quickest way to put your debts behind you so you can get on with your life and start rebuilding your credit. The sooner you can eliminate your debts, the sooner you can start rebuilding.

Learn how we can help you quickly eliminate significant amount of your debt without filing for bankruptcy. Life is short! Live healthy and stress-free life with little or no debt.

Benefits Of Invoice Templates

With the use of pattern invoices, it will enhance the effectiveness, outcomes, and even also your accounting system. Many types of research explain that the way you choose to represent your bill inversely it has an effect on how directly you believe in paying your customers.

Invoice templates provide lots of benefits to the companies and also their business. The printing companies like https://www.luxfordprint.com.au/business-stationery/ provides invoice services to their clients so as to obtain the heights of success.

Invoices

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Invoice Templates Improve Efficiency:

It hardly matters that how many colleagues that are working in offices are fond of enjoying with their computers, but still with the help of templates all of you are going to save a lot of time by downloading those templates instead of creating by your own.

Invoice Templates Increase Productivity:

Even some people like to spend more of their time at work and become more eager to spend a lot of time creating own invoices. It is better suggested to them to make use of the invoice template so that all of your employees dedicate their lots of time to the major business activities that are considered as important and productive.

Invoice Templates Improves Accounting Practices:

Synchronize your invoice guide with the accounting software, so that all of your data remain up to date accurately. There are numerous templates that permit you to insert the numbers related to the accounts.

Singapore Elevated Land Supply To Developers

There are 16 websites on the Government Land Sales program for the 2nd fifty percent of the year. These can create as high as 8,125 individual residences, up from the 7,465 units utilized in the really initial fifty percent, the Ministry of National Development asserted recently. Although a lot more growth sites will absolutely be conveniently offered to satisfy the demand for land from developers keen to capitalise on a recouping domestic or business residential property market specialists notify that the enhanced land supply for the adhering to 6 months might still not be enough to please developers, that have really been strongly bidding procedure for websites recently. For the really very first time given that 2013, the Federal government has in fact boosted the supply of land for residential development in the second half of this year under its biannual sales program an activity some specialists declare could be in responses to a lot more powerful requirement by developers in the middle of a decline in the range of staying unsold homes as well as a present pick-up in offers. 6 of the sites jump on the confirmed listing. 4 are for building – in Chong Kuo Road, off Sembawang Road; Handy Roadway in the city; Hillview Increase; in addition to Sumang Stroll, which is for a director apartment. There are in addition 2 mixed-use websites, in Holland Road and also Sengkang Central. In complete quantity, the confirmed-list websites might fit 2,840 individual household systems – up by 22 percent from this half of the year – along with 26,800 sq m gross flooring area of industrial room.

This establishes from a have to make sure "a sufficient pipe supply of brand-new individual realty devices to accomplish the demands of our populace", the ministry mentioned, consisting of: "As the demand for new individual realty from residence purchasers stayed to climb up in the extremely first half of 2017, the variety of unsold unique realty systems in the pipeline has actually decreased. Specialists specify the unique household sites in Jiak Kim Street, 4th Avenue as well as also Cuscaden Roadway on the get checklist are the ones probably to interest developers, owing to their prime areas. "These provide very yummy quantums in addition to are anticipated to establish new requirements," declared Mr Desmond Sim, head of CBRE Research for Singapore as well as South-east Asia. This is available in the center of a decline in both supply in addition to work in the individual household market. Pipe supply (containing ECs) decreased to 46,016 systems in the preliminary 3 months of this year from 50,548 systems in the last quarter of in 2014, Urban Redevelopment Authority's information disclosed. Leaving out ECs, inbound supply lowered to 36,942 systems in the preliminary quarter this year from 40,913 systems in the previous quarter. Over the specific very same duration, the job price for the exact very same stable of property systems dipped by 0.3 percent aspects, to 8.1 percent from 8.4 percent.

Present tenders have actually attracted adventurous propositions, with a 99-year leasehold home site in Stirling Road crossing the $1 billion mark. Such positive propositions are not probably to mellow out even with the tiny boost in land supply, details for plum tales in Helpful Roadway, Holland Roadway and also CBD. Pullman Residences condominium such as CBD, interested this project can go to this link at https://www.pullman-residences-accorhotels.com/ to understand extra. Federal government land sales for future home developments have actually gathered strong interest rate of late. Formerly this month (June), prices quote covered S$ 1.1 billion for a 99-year-leasehold combined organisation along with household site in Bidadari estate. At the same time, 2 China-based designers crossed the billion-dollar mark for an entirely domestic site in May, with their quote for a tale in Queenstown. Guide listing has 10 sites – 9 individual domestic as well as additionally one commercial. They could fit 5,285 personal residences along with 56,790 sq m gross flooring location of business room, generally for workplace usage. Confirmed-list websites occur sale regardless of interest, while those on the book list are introduced just when a designer devotes to a suitable quote.

Tips for Finding a Reliable Mortgage Company

Mortgage companies are essential as lots of people need surplus money to buy important assets such as property, car and even begin a new business.

Mortgages are usually used to invest on big scale projects. These businesses offer loans for quite a longer repayment period and occasionally, for more than forty years. There are several lenders that provide mortgage loans of different ranges for borrowers.

This will prepare you to pick through a maze of deals. Windsor mortgage companies will help you set your goals and secure a loan that meets your needs. You can visit https://mortgagewindsor.com/about-omac-mortgages/mortgage-broker-tecumseh-ontario/ to find a mortgage broker in Tecumseh.

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Check out these tips for finding a reliable mortgage company:
All lenders are waiting to take your loan application. How to find one that will offer you a lower interest rate is reasonable?

Here are some tips for finding a reliable mortgage company:
1. The foremost thing is to ask friends and relatives about their mortgage experience. Try to find out all the positive and negative information about the mortgage loan. When you visit a company with references from family members or friends, they make you happy as a person who referred you.
2. The second way to find a mortgage company that is reliable is to ask a real estate professional for a referral. Typically, real estate professionals have information about a mortgage lender either Windsor Ontario in their region.

Manage Your Business’s Information Technology With IT Services In Cincinnati

Many businesses decided to go for the audit service providers to secure their information technology and administrate it. For cost competence and professional services to handle information technology, enterprisers choose to outsource IT services in Cincinnati.

Wedge your business budget pie taken by the in-house information technology can be substantial. By the time you add the salaries and benefits of employees, along with the training and the cost of equipment needed to do the job, many companies in Cincinnati found that it makes financial sense better to get the IT services.

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One of the initial steps that many organizations take is to hire an information technology consultant. Also, consider the company’s long-term projections and budgetary objectives, and IT consultant will offer a plan to make your company’s information technologies running smoothly at the best cost to you.

Servers and networking hardware is an expensive item that still needed to do business, so you’ll want to make sure that the goods you buy will perform the tasks you need. Once you have all the hardware in place, you’ll also want to think about network security.

If you operate an online store or just need to ensure that information about your business partners will not be interrupted, it is important to provide a secure platform on which to do business.

Network integration is another topic to discuss with your information technology consultant. Information technology services can monitor your network round the clock to ensure stability. This will reduce the amount of wasted network downtime, save your money.

Business Security With Commercial Alarm System

The main concern of every entrepreneur is to protect their commercial property and inventory from theft and fire. Generally, people use the services of security guards and agents to protect assets. However, that is not adequate in large places such as commercial establishments and warehouses.

In such conditions, one must rely on reliable business security systems like access control systems and CCTV. But today, we are going to discuss about alarm systems. The commercial alarm system is the ideal choice to ensure the security of your property.

Image Source: Google

With so many thefts occurring, business companies have chosen an alarm system to protect their assets. The different advantages offered by this alarm system ensure that you get value for money from investing in this alarm system.

This alarm can be installed anywhere such as hotels, restaurants, retail stores, offices, warehouses, and gas stations. This alarm system can also help limit employees from entering areas that are not permitted to be accessed.

The use of an alarm system prevents any kind of loss that someone must bear if there is theft. The alarm also provides a sense of security for employees, guests, and customers too.

This security system allows watches at all times on your property and can be connected to an emergency response team that will reach your position as soon as there is a type of accident. With the help of a commercial alarm system, you can identify the cause without further delay.

Know More About Event Planning Company

Gone are the days when the concept of event management is alien to the general public. Today, the event organizer hired for all kinds of events. Whether it is a wedding, a family gathering or a birthday party, you could definitely see a group of men dressed decently run from pillar to post.

Plan

One of the reasons why you need to shake hands with the supervisor of this event as they have done many times marriage and with practice come perfection. Of invited guests, organize food to choose the location, event managers know the right people to contact. If you are looking for corporate events in Novi & across Michigan then you are at the right place.

Planning schedules only the first step of their process. Implementing a schedule with perfection is what is most important to them. They will keep track of deadlines and make sure that everything is happening at the time.

Budget

Prefer a wedding planning company may seem like an expensive undertaking. But the truth is that the organizers are experienced in handling an event in accordance with their client's budget. The event planner will advise you rink and catering suppliers that suit your financial limitations.

Emphasize

It is a daunting task to handle an occasion for demanding a lot of time and effort. Instead of monitoring every single detail, you have to get lost in the fun and frolic. An event company will keep your stress levels in check and perform the function is such that you enjoy every moment of the day's special.

No matter what the look, feel and style you visualize, the supervisor will turn them into reality by leveraging the latest trends in the business event. They are widely advertising the event on local television, newspapers and radio stations.

5 books worth reading on nationalism this winter weekend

The concept of “nation” is readily used in kitchens and stands, but who can accurately describe its essence? Without knowing the nature and origin of nations, any conversation about nationalism, nationalities and their relationships does not make sense.

Oddly enough, the nationalists have no sense in seeking an answer to this question. As at the level of individual characters, and at the level of organizations, looking at the “literature” sections of their sites, it is easy to notice that they are filled for the most part with articles about lost greatness, threats from all sides, about anything, just not about how they were created nation, what caused their appearance and what they are.

The reasons are very simple. Nations do not differ in particular antiquity (the “age” of the oldest does not exceed 300 years), their image in people’s thoughts has little in common with reality, and their occurrence did not occur as a result of the growth of self-awareness of any group of people, but often in the course of quite targeted actions of the state .

For example, at the time of the emergence of the state of Italy in 1860, only 2.5% of the population used the official Italian language in everyday speech, and the rest of the “nation” spoke local dialects, often without understanding each other.

Any of the books below will take you on cold January evenings and provide food for thought.

Eric Hobsbaum – Nations and Nationalism after 1780

The book of the British historian covers the development of nationalism, starting from the moment of its appearance and ending with the transformations that took place in the 20th century. The author’s views clearly do not allow him to be attributed to the “orthodox,” and the stormy polemic with dogmas throughout his life is reflected in the thoughts set forth in this book.

” Therefore, the French language has become an essential element of the concept of” France “, although in 1789 50% of the French did not speak it at all and only 12-13% spoke” correctly “, and outside the Paris region – even in the langue d’oui region – it was the usual means of communication only in cities, and even then not in any urban suburbs. In northern and southern France, almost no one spoke French.

… the question was not simply the acquisition of a new type of legitimacy – although in the newly emerged or transformed states, they also faced this task. The most convenient and attractive way to solve it – and for states that declared the principle of popular sovereignty, the only one by definition – was identification with the “people” or “nation”, no matter how these concepts were interpreted specifically. What else could give the monarchies a legal status in states that had never existed before (Greece, Italy, Belgium), or in those whose existence broke with all historical precedents (German Empire in 1871)? ”

It is worth reading to understand the evolution of nationalism and the concept of “nation”, which were perceived differently at different times by intellectual elites, the state, and ordinary people.

Benedict Anderson – Imaginary Communities

Perhaps one of the most famous and popular works in his field. As correctly noted in the preface to the Russian edition, “the formula” imaginary communities “was mastered even by those who have never read the famous essay.” The author is a living classic of sociology, professor at Cornell University, USA, part of the Ivy League.

“… it is imagined as a community, because regardless of the actual inequality and exploitation that may exist in every nation, the nation is always understood as a deep, horizontal partnership. Ultimately, it is this fraternity over the past two centuries that gives many millions of people the opportunity not so much to kill as to die voluntarily for such limited products of the imagination.

These deaths suddenly confront us directly with the main problem posed by nationalism, namely: what makes these shriveled imaginations of recent history (spanning scarcely more than two centuries) cause such enormous sacrifices? In my opinion, to answer this question, we must first turn to the cultural roots of nationalism. ”

Craig Calhoun – Nationalism

Craig Calhoun is a student of Pierre Bourdieu and Jacques Derrida, one of the most talented popularizers of science. The book summarizes the achievements of theories of nation, identity and nationalism. Recommended for those who want to understand the topic with minimal time.

“Nationalism takes various forms: some are soft and calm, others are frightening. Sometimes sociologists try to separate the “good” nationalism (patriotism) and the “bad” nationalism (chauvinism), as if they are completely different social phenomena. This complicates the understanding of each of them and leads to the concealment of similarities between them. “

Ernest Gellner – Nations and Nationalism

E. Gellner (1925-1995) during his life was one of the most famous scientists in Western political and social anthropology, philosophy, and cultural history, he was the creator and director of the Center for the Study of Nationalism at the Central European University. “Nations and Nationalism”, first published in Russian in 1989, has been repeatedly reprinted as one of the best studies on the origin of nationalism as a product of industrial society.

“The definition of a nation is associated with much more serious difficulties than the definition of a state. Although a modern person is inclined to take a centralized state (and in particular a centralized national state) for granted, he can easily understand his random nature and imagine the social situation in which the state is absent. He is quite capable of imagining a “primitive state.”

The anthropologist can explain to him that a tribe is not always a diminished state, that there are forms of tribal organization that can be considered non-state. On the contrary, the idea of ​​a man without a nation is difficult to fit into modern consciousness.

Chamisso [3], a Frenchman who emigrated to Germany during the Napoleonic period, wrote a vivid Protokafkian novel about a man, lost his shadow. Although the impact of this novel is largely based on the intentional duality of the allegory, one cannot help but guess that for the author, a Man without a Shadow is a Man without a Nation. When his followers and friends notice this abnormal lack of shadow, they turn away from Peter Schlemil, despite his other advantages. A man without a nation defies generally accepted norms and therefore causes hostility.

The point of view of Chamisso — if this is really what he wanted to express — was completely justified, but justified only for a certain state of human society, and not for human society in general at any place and at any time. A person must have a nationality, as he must have a nose and two ears; in any of these cases, their absence is not excluded, and sometimes this occurs. But this is always the result of an accident, and in itself is already a misfortune.

All this seems self-evident, although, alas, it is not. But the fact that it was involuntarily implanted into consciousness as a self-evident truth is the most important aspect or even the essence of the problem of nationalism. Nationality is not an innate human property, but now it is perceived precisely as such. ”

Immanuel Wallerstein, Etienne Balibar – Race, Nation, Class: Ambiguous Identities

The last book on the list is for the most persistent. Immanuel Wallerstein, one of the founders of the school of world-system analysis, together with the philosopher Etienne Balibar, in a collection of essays and articles, the consideration of nations in which is only part of a more general topic.

This work cannot be called easy, but the result is able to recoup the efforts expended on it. Hard Level.

“The history of nations, including ours, always appears to us in the form of a story that prescribes its plot continuity. Thus, the formation of a nation is manifested as the implementation of a centuries-old “project”, with its stages and moments of awareness that historians arbitrarily declare more or less decisive (What should be considered the beginning of France? Gallic ancestors? Capetian monarchy? Revolution of 1789?). But in any case, these stages fit into the same scheme: the scheme of self-expression of a national personality. Such a view, of course, creates a kind of retrospective illusion, but in addition, it reflects the coerciveness of institutional realities.

This is a double illusion. It makes us believe that generations whose name remained almost the same replaced over the centuries in a relatively stable territory, transmit to each other a certain unchanging substance. And this same illusion makes us think that evolution, the individual sides of which we retrospectively select in such a way as to consider ourselves its completion, was the only possible one, that it is our destiny. Design and purpose are two symmetrical figures of the illusion of national identity. ”

All these books are published in Russian and are in electronic form. Have a good weekend and remember, the proverb “knowledge is power” has never been as relevant as in our time.

New issue of Avtonom magazine No. 34

A new issue of the magazine of the movement of the anarchists “Autonomous Action” has been released. On 124 pages of the issue, there were articles on the class nature of the USSR, demographic problems, rebel anarchism, an analyst of the protests of Egypt, Kazakhstan, Ukraine and much more.

For those who can not or do not want to purchase a paper version, below we have posted the full issue of the journal in the public domain. Read, think, act!

Four reasons to add your boss to the Blacklist of employers.

According to market research, the effect of advertisements in elevators for seven days, which is a minimum of 14 views for one tenant of a house, is sufficient to consciously remember advertising information, while eliminating the possibility of forming a negative association, an image of “annoyance or worthlessness” with the company or advertiser’s product.

We believe that the best way to convey the ideas of social justice is difficult to find. Therefore, we decided to use the advertising space that was kindly “provided” to us in order to promote somewhat non-standard content. A large number of people see the booth in the elevator, and they most often see it right in front of the road to their “favorite” job, so placing something new on the booth seems like a great idea, able to cheer up tired, not yet awakened people.

And here is a poster layout attached – “Do with us, do as we do, do better than us!”