Enjoy Debt Relief With Help From A Bankruptcy Attorney

Financial hardships can force you to declare bankruptcy as an easier way of working around them. However, it is a process that can be very complicated and you will need the assistance of a bankruptcy lawyer to file and do everything right. Generally there are commercial bankruptcy attorneys that help with filing for business and consumer bankruptcy attorneys who file for individuals. In a commercial setting, your business gets protection from creditors whereas in the consumer setting you or your spouse gets protection from creditors and dealing with clearing the debt or setting payment plans.

When to get an attorney

One of the best steps you can make when you are facing financial hardships is accepting that there is a problem and actually taking the right step in dealing with it. Inability to pay bills, bounced checks, lack of flow cash, constant creditor and debt collector calls, debt that keeps piling up and being unsure how to handle the situation are some of the signs that you need to get yourself or your business a bankruptcy attorney.

As a struggling business, your lawyer will be able to help you get time to restructure the business and reorganize debts or in worse situations close the business. On a personal level, the lawyer will get you a fresh financial start by sacrificing some of your assets or you can reorganize debts and negotiate payments plans with your creditors if you want to repay the debts.

What to expect from the attorney

1. A bankruptcy attorney will offer you competent legal advice. They will not only advise whether declaring bankruptcy is the best way to go, but also help you with filling in the right category and advice on the best ways to use bankruptcy to achieve the financial goals that you have. As part of the advice, your lawyer will also prepare you for the process, make it as easy as possible and even share risks or possible difficulties.

2. The attorney will have the ability to handle your bankruptcy. Familiarity with federal laws on bankruptcy, local court procedures and rules and even bankruptcy trustees within your area will make the process easy for your lawyer. To enjoy this you however must ensure that you choose a lawyer who has the necessary skills and experience to handle your type of case.

3. Handling of all bankruptcy paperwork. Lengthy form packets are inevitable in a bankruptcy case, but fortunately the filing is something your attorney will do for you. The attorneys have specialized software that makes it easy for them to prepare, file required paperwork with the courts. All you will need to do is provide your attorney with all information needed to fill the forms like assets, debts, income and expenses.

4. Representation at the hearings. Bankruptcy cases can have a number of hearings. Whereas you may be required to attend the meeting of creditors hearing, your attorney can represent you in any additional hearings. This representation saves you the anguish that comes with the cases.

Cheap Liability Auto Insurance Info: What Should You Do to Find Affordable Car Insurance Coverage?

Getting just the minimum amount of auto insurance in your state can be risky, since it’s usually not enough to cover everything. It might help you pay for damages to the other person’s vehicle or property, as well as their medical expenses, but what about your own car and medical expenses? The idea is to try and get the most coverage possible with cheap liability auto insurance.

Carefully read over all of the different types of coverage and decide which ones will be right for you. Search for quotes online and read reviews on each company to learn more about them. Just as you’d never buy the car itself without first shopping around, you should do the same with insurance. How do you get quotes? You enter details about your age, location, car, etc. and hit “submit” or “search”. The details that you have to enter vary depending on the website you use for searching for quotes.

You don’t want your cheap liability auto insurance to be too cheap. Look for value, not the lowest monthly rate. Also, there are deductibles to consider. If you really aren’t confident that you’ll be able to pay money out of your pocket in the event that you are involved in a collision with a lot of damage, then consider paying more on the premium. Try cutting a few other expenses here and there to help you make the payments.

Cheap Liability Auto Insurance Coupons and Discounts

The good news is that there are always ways to save money, as auto insurance companies often offer coupons and discounts to help both new customers and loyal customers. For instance, you might be able to get a discount off your first-term premium by signing up and buying car insurance with a particular company. There are also “pay-in full” discounts that will give you a percentage off the premium if you pay it upfront instead of monthly.

There are several other categories of potential discounts as well, such as being a good, safe driver with a clean driving history and having safety features installed. A few examples include “Anti-Theft Discount”, “Antilock Brakes Discount”, “Defensive Driver Discount”, etc. Even though younger people are usually expected to pay more money for auto insurance, there are still “Good Student Discounts” offered by most insurers.

In summary, you’ll want to learn about the minimum car insurance requirements in your state and then fill out a form to search for quotes. Compare them and look over all of the discounts. The best place to start your search for cheap liability auto insurance is esurance.

A Blessing in Disguise – Car Donation Charities

Car donation has become extremely popular among people. They give away no longer wanted vehicles or junk cars that stand idle in their garage or backyard. Some people are of the opinion that this type of donation is merely a tax shelter. But this is not true as there are many non-profitable charities that mostly rely on the revenue from car donation. From time to time, these charitable organizations run donation programs. Some agencies have their own car lots that sell the donated cars and autos, while many get their donation processed through auction companies.

The money collected from the auction is distributed to the charity the donors indicate. It is always better to give than to receive. In case you donate your car to a charity, it will give a vehicle which might help them in the course of their work. A senior citizen center might use your car to take veterans, no longer able to drive to their doctors’ appointment or for a picnic. A charitable institution that uses a donated vehicle for hauling goods or transportation, benefits directly. Make sure the charity is eligible to receive tax deduction.

Only non-profitable organizations like church, mosque or synagogue and other car donation charities come under this category. Before donating, find a charity by cause like animal, education, children, health, seniors, human rights or environment. The vehicle donation processing centers administers specialized programs where people donate their vehicles including cars, trucks, boats and trailer to non-profit charity clients. They are a benefit to charity so donate your used car and benefit your charity as well.

With the help of charity car donation program, vehicle donation has become extremely simple and hassle free. Your donated car makes a big difference. In case you are giving away your car to a charity that help protect animals. The profit from your donation will directly benefit the organization which in turn will expose and stop cruelty to animals. Some charitable institutions build homes in partnership with families in your community. Indirectly you are helping your community provide shelter to the needy. The more people will donate their cars and autos, the more efficiently these charitable organizations will be able to carry on their social work. Can you imagine, with your little effort through car donation program, you can bring a smile on other people’s face and even give them some more years to see this beautiful world?

Cars For a Cure – Donating Your Car to American Cancer Society

Have you ever thought about donating your car to charity? The benefits of charitable car donation are pretty obvious, but with so many charities, which cause do you contribute to? One of the major charitable causes that you can turn your old clunker over to to benefit others is cancer car donation. Some of the biggest organizations contribute the funds they receive from selling scrap car parts to over to help cure various forms, such as breast cancer and lung cancer.

Cars For A Cure Program

The American Cancer Society is a reputable charitable organization where you can trade in your old car as part of the Cars for a Cure Program. Cancer – in its various form – affects millions of Americans each year and there are practically very few families that haven’t been affecting by losing a loved one to this disease. Making a donation means that you’re doing your part in “paying it forward” to save a life.

Donating to Cars for a Cure is not only free, but your donation is also tax deductible. The American Cancer Society uses the proceeds from teach sale for funding for cancer research, education, advocacy and patient services programs. Not only can you donate your old vehicle, but this organization also accepts trucks, motorcycles, RVs, trailers, or even boats. In order to donate, you can head straight to the official American Cancer Society website, fill in your information, and arrangements are made from there to have your vehicle picked up from your home for free. Official instructions and documents are mailed to your home in order to appropriately claim your “gift” for your annual taxes. While some charities accept inoperable vehicles, there are some noted restrictions you need to be aware of before you donate. Your vehicle must have a transferable title, four inflatable tires, and keys that are available to turn over at the time of donation.

Be aware that the law places limits on how much you can claim for tax deduction purposes. Currently the limit you are able to claim is $500 on your taxes. If the gross proceeds from the sale of your vehicle is above $500, you are able to claim that amount. In some cases, the American Cancer Society keeps the vehicle rather than sells it. If this is the case, this organization is required by law to notify you in writing. In most cases, the vehicle is sold, and you will receive an official receipt in the mail listing the gross sale price. Keep this documentation in a safe place because you’ll need it come Tax Time.

Donating a car to charity is definitely a worthwhile cause. There are other companies that can take away your old vehicle for free, but it is definitely worth it to have the satisfaction of knowing that your donation will ultimately help others.

Source by Isaac MacIntosh

What A 3 Day Diet Plan Can Do For You

Life problems are largely due to some deep hidden reasons. Solution to these problems is so often not a quick fix. A fast diet plan might be able to solve your weight loss issues but you will have to understand the benefits and the side effects.

Our growth and development requires change. To lose weight effectively, you will have to make some healthy changes in your lifestyle. In this article, I want to discuss the benefits of using a 3 day diet plan. Before, you start working on your 3 day diet plan it is important to remember:

“Quick results require quick and efficient actions.”

3 years ago, I was trying to lose weight. I made a 6-month plan to get off 20 pounds. It was an easy goal. I did not have to work hard. Time was passing quickly and with each passing day, I was busy with my routine life.

I was unable to keep track of my goals and I must admit this is my greatest weakness. I did not join any gym, so there was no one to motivate me and keep me on weight loss tracks. I was against fast weight loss methods. I considered them impossible.

Well friends!

That was my thought. If you are like me, than change your mind at once. Because, I just lost 3 pounds. Quick relief requires quick changes.

Here is a list of benefits; you will get from following a 3-day diet plan:

  1. A short time period of 3 days is standing between you and your IDEAL body weight.
  2. You have to be quick and efficient. It is only 3 days. You cannot waste much time.
  3. For 3 days, you will become regular with your meals and exercise plans.
  4. Majority of people consume fewer calories in 3-day period. That is why weight loss is evident in such cases. You can easily lose 2 to 3 pounds in 2 days.
  5. If you are persistent, you can have the moment going on. You lost 2 pounds in 3 days. That is GOOD, How about losing 1 pound in next 3 days. Do not try to lose more than 5 pounds in a month. Please consult your physician before making such decisions.
  6. This diet plan will put you on a fast and focused track. When you have a definite plan of action, it is much easier to achieve your goals.

Before, following any diet plan please consult your doctor. What is good for one person might be harmful for you. Information provided in this article is only for educational purposes.

Thanks for reading!

Types of Insurance Agents: A Basic Guide

There are many times in your life when you’ll need to purchase insurance. Some of those times are fairly straightforward, and you can easily compare plans on your own and make an informed decision. However, there are also times when choosing the right plan, or even finding out what types of plans are available are not so clear-cut. For example, when you’re buying insurance for your small business, when you’re buying house insurance, or when you’re buying life insurance, you are making some very important decisions about a very complex topic.

When you are shopping for insurance that could impact your life in such a serious way, it’s a good idea to find an insurance agent to help you decide on a policy that’s right for you. There are three basic types of insurance professionals who can be of assistance:

Independent Insurance Agent

An independent insurance agent is an agent that is not in the employ of a single insurance company. Typically, the agent will work with a select number of companies, helping clients to choose policies from one of them. This can be helpful because different insurance company’s policies may have different strengths and weaknesses, with which the agent is familiar. An independent agent is a good option if you’re not sure which company you want to go to, but you know that the price ranges and coverages they offer will be comparable to one another. In essence, you just need the agent to make sure you’re getting the best deal.

Captive Insurance Agent

A captive insurance agent is one which works only for one specific company. Obviously, this type of agent is the right choice when you already know you want a policy from that insurance company. These agents will help you to compare different policies to determine which coverage and price point are right for you. They’ll just be policies from the same company, that’s all. Sometimes clients already hold one type of insurance with a particular company, and prefer to buy new policies from the same company.

Insurance Broker

Insurance brokers aren’t agents in that they do not directly sell policies. Working with insurance brokers is typically reserved for the most complex insurance needs. Insurance brokers contact agents from many different insurance companies to determine what policies are available, how much they cost, and what type of coverage you can hope to receive. An insurance broker may even negotiate with insurance agents to bring the price down.

Another reason you may wish to use an insurance broker is if you want a highly customized insurance policy. If you’re looking for an insurance agency that has policies which can be tailored to your exact needs, an insurance broker could be a helpful resource. However, more and more insurance agencies are recognizing that there is a large demand for personalized policies. As a result, you may find an agency which offers such policies relatively easily, wherever you are.

Detox Diet Food Do’s and Don’ts

If you’re planning a brief detox diet, you’ll want to make sure you eat the foods that increase your chances of success and avoid the foods that will hurt your efforts. Here is a list of the best and worst foods to eat while you’re on the diet.

Best Detox Diet Foods

  • Fruit: You can eat any fruit including fresh, frozen, dried or canned in natural fruit juice. This includes apples, bananas, pears, oranges, grapefruit, satsumas, sultanas, raisins, pineapple, mango, kiwi fruit, strawberries, raspberries, blackcurrants, nectarines, peaches, and melons.
  • Fruit juice: Either make homemade fruit juices or smoothies from fresh fruit, or drink ready-made juices. Make sure ready-made juices are labelled as pure or unsweetened.
  • Vegetables: Eat any vegetables including fresh, frozen or canned in water (without salt added). This includes carrots, onions, turnip, swede, sprouts, cabbage, peppers, mushrooms, corn, peppers, leeks, broccoli, cauliflower, salad, tomatoes, and cucumber.
  • Beans and lentils: Eat any beans, including those that have been dried or canned in water. This includes red kidney, haricot, cannellini, butter, black eye, pinto, red lentils, green lentils and brown lentils.
  • Potatoes: Eat all types
  • Brown rice and rice noodles
  • Rye crackers and rice cakes
  • Fresh fish: Eat any fresh fish including cod, mackerel, salmon, lobster, crab, trout, haddock, tuna, prawns, Dover sole, red mullet, halibut, lemon sole, monkfish, and swordfish. You can eat canned salmon and tuna in water.
  • Unsalted nuts: Eat any, including Brazil, peanuts, almonds, cashew, hazel nuts, macadamia, pecans, pine nuts, pistachio, and walnuts
  • Unsalted seeds: Eat any, including sunflower and pumpkin.
  • Plain popcorn: Eat without sugar or salt
  • Live natural yogurt
  • Extra virgin olive oil and balsamic vinegar
  • Garlic, ginger and fresh herbs
  • Ground black pepper
  • Honey
  • Water: Drink at least eight ounces of tap or mineral water a day.
  • Herbal or fruit teas

Foods to Avoid During Your Detox

  • Red meat, chicken, turkey, and meat products such as sausages, burgers, and pate
  • Milk, cheese, eggs, cream
  • Butter and margarine
  • Any food that contains wheat including bread, croissants, cereals, cakes, pies, pastry, quiche, or battered and breadcrumbed foods
  • Salted nuts
  • Chocolate, candy, jam and sugar
  • Processed foods, and ready-made meals and sauces
  • Alcohol
  • Coffee and tea
  • Sauces, pickles, store-bought salad dressing, and mayonnaise
  • Salt
  • Carbonated drinks, both sugar and diet

Now that you know the dos and donts of detox diet foods, you’re halfway to success!

2 Weeks Diet Plan

Statistics show that approximately 45 million Americans go on a diet

each year. In fact, most of them make an average of four to six dieting

attempts annually. This implies that their first three dieting trials often

fail. Ideally, dieting can be a puzzling process. It can take a toll on your

self-esteem. This is why most people quickly get demotivated and end up

ditching dieting for good.

If you’re currently battling with dieting and about

to throw in the towel, then maybe there are some things you’re overlooking.

Here are the top four reasons why most dieting attempts fail time and again.

·Impracticable and Unreasonable

Calorie Intake

Calorie budget is paramount and should be the first consideration to

keep in mind. Calories are a measure of the amount of energy in the food you

eat. If you’re putting yourself in starvation mode, then you’re hurting your

dieting efforts. When you consume very little food, your body virtually shuts

down to save fuel. This places you in a fat loss plateau. Though it is prudent

to lower your overall calorie intake, consider doing so in a manner that

doesn’t hurt your metabolism.

·Ignoring Filling Nutrients

Proteins and fiber are the recommended satiety-boosting nutrients

for dieters. Proteins break down at a slow pace thus giving the body a

long-lasting satiety. This helps to curb emotional eating and cravings.

Combining proteins with fiber from vegetables and fresh fruits can potentially

slow down digestion and cut down food cravings. Even though most crash diet

plans recommend vegetables, they discourage fruits. They also come with very

few proteins. If you want to hasten your dieting results, then make these two

essential satiety nutrients a focus in your diet plan.

·Unrealistic Meal Prep

A meal prep that takes an hour isn’t realistic. If your meal

preparation takes an hour or more, then that might be one of the top reasons

your dieting efforts fail. A basic easy-to-implement meal prep is ideal. A plan

that takes hours can steal your free time. Find a meal prep that matches your

lifestyle then get accustomed to it.

·Long-Term Aspect

A great diet plan considers the long-term aspect. However, a diet

plan that spans for several months can quickly discourage you. It’s great to

find a diet plan that comes with a specified deadline preferably two

weeks. It should not be too short

because dieting requires patience.

Even though dieting can be hard, carrying those extra pounds is even

harder. The recommended dieting time should be two weeks. A 2-Week Diet gives

you an outstanding foundation and motivation for a successful fat-burning


To harness the powerful psychology behind The 2 Week Diet, check it out here:


Insurance Claim Supplements – How to Submit Claim Supplements

A claim supplement is a claim for additional repair or replacement costs. Supplements are commonplace in the claims process. However, if you are a policyholder unaware of your policy rights, you could be walking away from hundreds or thousands of dollars that you are entitled to collect.

Claim supplements usually occur after a policyholder submits a claim, gets paid and gets the repairs or replacements completed. Then, additional damage is discovered some time later.

Many people erroneously think that, once the claim is closed, it cannot be re-opened. And, insurance companies and their adjusters usually don’t rush to tell you how to submit a claim supplement. So, what to do? Let’s look at car insurance claims and property insurance claims.

For any kind of supplemental claim, you must contact your insurance company and give them your original claim number. The best way to notify the company is in writing, sent Certified Mail. That way, you’ll know who signed for the letter. The insurer will have to re-open the claim. You might get the same adjuster as before, but maybe not.

Car Insurance Supplemental Claims

Lots of supplements happen when cars are getting repaired. Many times, hidden damages are discovered when the body shop begins dismantling the car. So, while the insurance company may have issued payment to the body shop from the original repair estimate, they will issue a second check for the supplemental repairs. Happens all the time, no big deal.

However, sometimes post-repair problems don’t show up right away. A good example is the Air Conditioning system. If you have a car wreck in July, you might not notice that your heater is malfunctioning until fall or winter. But when any damages are discovered that can be directly related to the original insured loss, you can submit a supplement. Simply document the damages and their cause and send the supplement to the insurance company. No additional deductible is assessed, since you already paid it once.

Property Insurance Supplemental Claims

Homeowners, Renters or Business insurance claims can find a need for a supplemental claim for some of the same reasons found in car insurance claims. Seasonal issues can bring up damages related to the original loss. But, some other issues might present themselves. You may have an expert’s report that shows additional damage attributable to the original loss. Your contractor may have found hidden damage that must be repaired. In any event, carefully document your claim and submit it to the insurance company.

Be sure that you are collecting all the money you are entitled to collect. Use supplemental claims whenever your claim requires it.

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the website listed below.

How to Diet Food Review – Apples, Tuna and Celery

If you are interested in getting Six Pack Abs, you may have heard talk about the Six Pack Abs Diet. I can almost guarantee you haven’t heard everything though. In fact, if you read the rest of this Six Pack Abs Diet review, you’ll discover three features almost nobody is talking about…yet…


Apples are filled with low amounts of various vitamins and minerals. A mineral called boron exists in apples which helps to strengthen bones. People who eat this how to diet food regularly cut their risk of lung cancer in half. Apples reduce a little the amount of LDL cholesterol in your body. The apple skin, as most skins of fruits and vegetables, are where most of the nutrients are contained. This makes sense because this is where the sun shines on them. Apples also lower blood sugars, which helps to prevent type 2 diabetes.


Tuna contains Omega-3 fatty acids, these acids promote brain development and a host of other tasks. Blood clots can be reduced or prevented by eating Tuna, an effective how to diet food. Tuna can prevent dry eye syndrome, while this may not be as serious as other conditions, it can be very convenient to remove. Mercury is a serious problem that inflicts tuna because of man-made reasons. In most cases, with exception to pregnant women and children; do not eat more than one can of white albacore tuna every nine days, and chunk light tuna every three days.


Celery is a good vegetable if you have eaten too much fat and you need some natural medicine. It is high in vitamin C and has nutrients that helps prevent against basic ailments. It is a good how to diet food to add with peanut butter; both complement each other to make two good foods great. Celery contains a low amount of lots of vitamins and minerals. Fiber and roughage is in great quantities here, and so is natural water. In fact there is so much water in celery that for every one unit of pure vegetable, there are twenty units of water.