The Criteria for Filing for Chapter 7 Bankruptcy

Categories: Bankruptcy

chapter 7 bankruptcy

Before October 2005, a bankruptcy court judge would decide who qualified for Chapter 7 bankruptcy. Unfortunately, this gave judges an exceptional amount of discretion, and often consumers who should not have filed for Chapter 7 were able to do so – instead of using Chapter 13 bankruptcy. Since then, new laws have been made creating…

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Tips for Cleaning Up Your Consumer Credit Report

Categories: Bankruptcy

credit report

Your consumer credit report is a very important document. It can determine everything from getting approved for a home loan, to getting money for your education, to getting a job. Sadly, 5 percent of consumers in the United States have errors on their credit report that could lead to unfair denials, says the Federal Trade…

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5 Common Pedestrian versus Automobile Injuries

Categories: Personal Injury

Pedestrian versus Automobile Injuries

The risk of a pedestrian versus automobile accident is much higher than you might think. In fact, the Centers for Disease Control and Prevention (CDC) estimated 129,000 pedestrians were treated in emergency rooms for accidents with automobiles in 2015. And pedestrians are 1.5 times more likely to be killed than motorists. Pedestrian versus automobile (PVA)…

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The Most Common Injuries in Pedestrian Accidents

Categories: Personal Injury

pedestrian accident

When you drive a car, you are protected. You have airbags on the front and side, seatbelts to keep you from thrashing around, and the body of the vehicle to absorb most of the impact. For pedestrians, there are no such protections. When a pedestrian is struck by a passenger vehicle, the incident often leads…

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How to Stop Foreclosure Judgments and Sales

Categories: Uncategorized

foreclosure

You purchased your house at the right time and for a good price – considering the market. Your income at the time was stable, and while the mortgage payment was slightly over what your budget allows, you have been pushing through. When a financial disaster strikes (like losing your job, or becoming ill), that mortgage…

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Bankruptcy: Does it Make Sense for Your Financial Situation?

Categories: Bankruptcy

bankruptcy

Deciding if you should file for bankruptcy is never easy. The process takes time, costs money, and you are already struggling financially. When you file for bankruptcy, you lose control of how your assets and finances are handled. While there are reasons keeping you from filing for bankruptcy, there are instances where bankruptcy makes more…

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Common Bankruptcy Myths Finally Debunked

Categories: Bankruptcy

Bankruptcy

No one goes through life planning to file bankruptcy. Even those who know they need to file for bankruptcy have developed such a misguided view of this legal tool that they fear doing so. Bankruptcy is nothing to fear, and you should not give into the stigmas surrounding it either – especially when you are…

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Tips for Safer Driving in the Rain This Fall

Categories: Personal Injury

Driving in the rain

There is a lot of rain in Washington. The state alone averages five inches of snowfall while areas like Seattle receive only 152 sunny days per year. A clear majority of the days here involve rain, but the heaviest rains and winds come in the fall. Therefore, it is best to prepare yourself for the…

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Steps to Completing a 20-Day IFCA Notification for a Lawsuit

Categories: Insurance

IFCA and Bad Faith Claims

To file an IFCA (Insurance Fair Conduct Act) claim, you must provide your notice of intent. The notice of intent tells the insurance company as well as the OIC (Office of the Insurance Commissioner) that you will file your lawsuit within a 20-day period. If you do not file the notice of intent, you cannot…

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