Fort Worth Bankruptcy Advice and Bankruptcy Help in Fort Worth #fort


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3000 Central Drive Bedford, Texas 76021-3671 Fax: (817) 358-9988

Fort Worth Bankruptcy Attorneys

Offering expert advice and bankruptcy help to consumers and businesses

The experienced attorneys at The Vida Law Firm, PLLC represent individuals and small businesses throughout the Fort Worth, Texas area in all kinds of bankruptcy proceedings. If you or your organization is facing financial difficulties, mounting bills, foreclosure and repossession proceedings, or harassing collection activity, you can rely on our skilled Fort Worth bankruptcy advice.

Although the prospect of bankruptcy may seem intimidating, a qualified attorney can offer Fort Worth bankruptcy help to guide you through each step of the process. The attorneys at The Vida Law Firm, PLLC can represent you and your interests to creditors, the trustee, and the court, helping you reorganize debts and make a fresh start.

Bankruptcy in Fort Worth – We specialize in cases like yours

With nearly 70 years of combined legal experience, our attorneys have the skills and experience to guide you or your business through even the most complex Chapter 7. Chapter 11. or Chapter 13 bankruptcy in Fort Worth.

Behrooz Vida and Richard Venable are certified by the Texas Board of Legal Specialization as specialists in consumer bankruptcy law. Mr. Vida is also a specialist in business bankruptcy law, and is the recipient of Martindale-Hubbell’s prestigious AV peer rating. indicating the highest levels of professionalism and ethical standards. Carla Reed Vida is an exceptional Fort Worth bankruptcy attorney with strong capabilities in all areas of personal and business bankruptcy in Fort Worth. and a Master of Business Administration degree.

Fort Worth bankruptcy help advice – We have your best interests in mind

At The Vida Law Firm, PLLC, we meet with you personally to examine your financial situation and explore all possible Fort Worth bankruptcy options. Once you have decided what is best for you, your family, or your business, we move quickly to ensure that you can begin rebuilding your finances as soon as possible.

Call us for bankruptcy help in Fort Worth

To schedule a free initial consultation, contact The Vida Law Firm, PLLC today. You can call us at (817) 803-3365 or contact us online for bankruptcy advice in Fort Worth.

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15/10/2017

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Family Law – Divorce Lawyers Troy Michigan #lawyer, #attorney, #law #firm,


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Family Law and Divorce Attorneys in Troy, Michigan

If you are planning to file for a divorce, understandably, you may feel like your life is spinning out of control. Obtain help from an experienced divorce lawyer to guide you through the legal process. Many important decisions need to be made quickly, which could have long-lasting implications.

At the Law Offices of Ronald M. Bookholder. our attorneys Ronald Bookholder and Patricia Leary have more than 50 years of combined experience handling divorce and family law matters. We have earned respect from clients and the local legal community with our client-driven approach. Our goal is always to find a constructive resolution, but we fight hard for our clients in court whenever necessary.

To talk about your options with a compassionate family law and divorce lawyer in Troy, Michigan, contact the Law Offices of Ronald M. Bookholder, online or 877-502-7892. We are committed to representing clients in Oakland County, Wayne County and Macomb County.

Handling All Aspects of a Divorce

At the Law Offices of Ronald M. Bookholder, our firm’CM/Custom/Attorneys.asp”>family law attorneys have extensive experience helping clients with all aspects related to divorce and family law. including:

  • Parenting issues. Our law firm has a strong background handling child custody. child support and move away cases focused on preserving the children’PracticeAreas/CustodyParenting-Time.asp”>child custody and parenting time .
  • Property settlement. Our legal team offers strong advocacy and legal counsel in high-asset divorces. We have the skills and legal resources to handle business evaluations. while determining the extent of marital assets and debts in property division .
  • Support issues. At the Law Offices of Ronald M. Bookholder, we strive to find constructive solutions to support issues. In a divorce involving children, child support will always be determined before considering spousal support. If a spouse is paying child support, that amount is considered when determining spousal support .
  • Debt division. The division of family debt should be decided by the divorcing parties, otherwise a court will make the decision. A divorce judge and the divorcing couple cannot stop a third-party creditor from pursing collections. If the debt is joint, the creditor can sue both parties to collect a debt. At the Law Offices of Ronald M. Bookholder, we discuss allocating the responsibility of the parties to pay marital debts.

Is Divorce Right For You?

Many family law firms fail to explore whether a divorce is actually the best option for their clients. Even the best attorney cannot provide much help if clients are pursuing the wrong outcome. At the Law Offices of Ronald M. Bookholder, we sit down with our clients to closely examine their individual situations and determine if a divorce is in their best interests before pursuing an end to their marriage. Other options, such as marital counseling, with a focus on reconciliation, could better suit your situation than a divorce.

Experienced Oakland County Child Custody and Support Lawyers

With more than 50 years of combined experience, we are ready to develop a divorce agreement focused on protecting your best interests during these challenging times. From our law office in Troy, Michigan, we offer consultations from 9 a.m. to 5 p.m. on the weekdays.

Contact our law firm online or call 877-502-7892 to schedule a consultation with a highly skilled family law attorney. Credit cards are accepted as payment for our consultation and legal services. Attorneys Ronald Bookholder and Patricia Leary are committed to representing clients in Oakland County, Wayne County and Macomb County.

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26/09/2017

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Advantages Of Using Structured Settlement Brokers #structured #settlement, #sell #annuity, #selling


A Look at the Advantages to Using Structured Settlement Brokers

Selling your structured settlement gives you access to a lump sum of cash immediately. This can be enormously beneficial, particularly if you are facing serious financial difficulties. Whether you’ve lost your job, have mounting medical bills or need to get your creditors off your back, that lump sum can be essential. However, you should never attempt to sell your payments on your own – you need to work with an expert. Using structured settlement brokers offers a number of essential advantages.

Help Choosing the Right Path

You’ll find that not all structured settlement offers are the same. Some companies might only want to buy part of your payments. Other companies might charge you a steep percentage of your total amount, leaving you with less money than you should have. Still other companies might not have a particularly good reputation. Working with structured settlement brokers ensures that you have help choosing the offers that best match your specific situation and financial needs.

Get Your Offers Fast

Another advantage to working with structured settlement brokers lies in the speed you’ll have in getting offers. If you’re attempting to do this on your own, it can take a very long time just to find reputable buyers, much less start receiving offers for your settlement. When you work with a quality broker, you can start receiving offers almost immediately. This increased speed is highly beneficial for anyone struggling with a less than ideal financial situation. Obviously, the sooner you can get offers, the sooner you can begin the process and receive the cash you need.

Protect Your Interests

There are many different companies that buy structured settlements, and not all of them are ideal for your needs. Some are less than reputable, while others might not offer the terms you need. Working with structured settlement brokers ensures that you are able to protect your interests and find a buyer who is not only reputable, but also dedicated to protecting your best interests.

Working with reputable brokers will help ensure that not only do you have access to the widest pool of qualified buyers, but that you have the information and help necessary to navigate the sales process. Selling structured settlement payments is not a simple process, no matter how tantalizing those late night commercials make it look. You need expert help to get through the process and a broker can offer exactly that.


26/09/2017

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Tom King Consulting #grain, #elevator, #software, #program, #inventory, #accounting, #settlement, #daily


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ELEVATOR

Grain Management System

Full-featured software service for small to medium-scale grain operators

Cloud-based, affordable and easy to use

ELEVATOR GMS

Our software service covers the full spectrum of elevator activities from receiving grain at the scale to shipping it to a terminal. We help you keep up with each ticket from the time it is entered until it is settled and the producer receives a check. The customer settlement we produce is simple to understand and shows summary and detail information for all of the tickets that a customer is settling.

On the outbound side, you can easily see just what was shipped to selected destinations, who was responsible for the hauling, and any docks and discounts that were taken by the terminal. The inventory module allows you to see exactly how much of any grain is at your site at any given point in time and provides the details of whether the grain is on open storage, deferred pricing, or owned by the elevator. A daily position report may be produced for any time period for your personal use or for any inspection entity that might be visiting your facility.

Our Grain Management System will allow you to move away from manually tracking your grain elevator inventories with unwieldy spreadsheets and move to a reliable software solution that will increase the productivity and efficiency of your operation and the satisfaction of your customers.

We appreciate you visiting us online and invite you to explore the opportunities provided by this exceptional software product.

Elevator GMS – System Modules

ELEVATOR

The first module is called ELEVATOR and is where incoming grain is processed. This is the area where you enter customer information and incoming scale tickets, produce settlements, print incoming grain reports, sell stored grain, and all of the other functions associated with incoming grain.

Customer information, including customer names, addresses, farm information and contracts, are maintained here. Customer settlements as well as numerous other reports are also produced by this component. If you need to know how much grain was received during the last week, you can obtain that information with a few keystrokes.

SHIPPER

SHIPPER is the second major area of the system and is used to enter and maintain information about grain that is leaving your facility. It can provide you with information about grain destinations, shipping agents, freight costs associated with the transport, and many other types of data.

This component allows you to enter outbound tickets as they exit your facility and later enter the information that was supplied by the destination elevator where the grain was delivered. It is easy to see any discrepancies between what you say was shipped and what the other party says was received. This module also includes a number of other reports.

DAILY POSITION

The final component of the system is known as DAILY and is where you keep up with the position of each of your grains. Information may be automatically transferred from the incoming (ELEVATOR) and outgoing (SHIPPER) tickets so that you do not need to re-enter this information a second time.

You may also make manual adjustments to any position as are required. The main reports in this section are designed to show your position and liability information and are quite useful to the grain inspectors when they are reviewing your situation.

Service Features

Software Features

Screenshots

Sample Reports

Pricing

Our ELEVATOR Grain Management System is offered as a software subscription and is hosted on servers in the cloud.

Our servers are maintained in a secure data center and are accessible from a Windows desktop in any location with an Internet connection.

The subscription requires an initial one-time setup fee and an economical monthly subscription fee based on the size of your elevator and the number of concurrent users of the service that you require.

Pricing begins at $100/month for a subscription with up to three (3) concurrent users. The setup fee for this configuration is $250.

Free Trial

We offer a free, 15-day trial period for you to fully evaluate the service and its applicability to your business. The trial includes sample data, a detailed instruction manual, and a link to our online training videos that we have created to help new users in the evaluation process.

If, during your 15-day trial period, you decide to continue with the software service, simply notify our office and we will set up and activate your subscription and begin billing you for the setup and subscription.

If we have not heard back from you by the end of the 15-day trial, your trial will be discontinued automatically.

Customer Support

Included in the subscription price is a reasonable amount of support and training. A detailed instruction manual is included with the software as well as a link to several online videos we have created to teach new users how to use the system.

We also provide a limited amount of test/sample data that allows you to quickly evaluate the usefulness of the product. This data can be easily removed with just a few keystrokes, and you may begin adding your own data when you desire.

Enhancements and updates to the software are made periodically and are included in the subscription price.

We do require that users have an active subscription in order to continue receiving telephone support.

We make every effort to take your calls personally. When we are not available, we have a voice mail system and do our best to respond to your call within two business days.

About Us

Tom King Consulting is a small, family-based business located just outside of Denton, Texas. The business was founded by Tom King in the early 1980s. We lost Tom in early 2016, and since that time, the business has been operated by his wife, Sara, and son, Scott. Tom developed and supplied software for well over four decades, and Scott has been doing the same since the late 1970s. We have deliberately maintained our size and structure in order to maintain reasonable prices and to try to offer the kind of personal service that we appreciate from others.

A Brief Look at Our History

In the early 1980s, Tom received a request to develop a software product to help manage the wheat harvest from his brother-in-law who was operating a grain elevator in Graham, Texas. Tom had been in the computer business for well over twenty years at the time, and after a certain amount of persuasion, he agreed to put something together that would benefit his brother-in-law as well as his sister-in-law who was doing most of the office work. That was the rudimentary beginnings of the Grain Management System that we offer today.

During the next few years, there was some interest shown by other operators, and the system gradually increased in functionality and scope. By about 1988, there was enough interest in the system to gather a number of elevator operators and determine what was required to produce a commercial software product. With their encouragement and support, we went through a complete re-design and re-development of the entire system. At that time, the system we redesigned to use a relational database and was completely DOS based. As we began to see some success in the marketplace during the decade of the 90s, we were issuing new releases of the software about once a year.

In the late 1990s, it became apparent that we would need to make the conversion to Windows. That entailed another major re-design and re-writing of the system and turned out to be the most extensive conversion that we had done to date, requiring a major investment into the product. Even though we had to increase the price slightly, we continued to sell the product for much less than all of our larger competitors. Throughout this period, we continued to make enhancements and improvements to the product and maintained the ability to run under the various versions of Microsoft Windows that have been released.

In 2015, we began offering a cloud-based subscription version of the software, and by early 2017 we anticipate that all of our active customers will be using our cloud-based offering.

Tom King Consulting


22/09/2017

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Dole s Murdock Agrees to $74 Million Buyout-Suit Settlement #settlement #buyout


Dole’s Murdock Agrees to $74 Million Buyout-Suit Settlement

Accord settles claims over plan to take company private

Pension funds’ suits accused Dole CEO of misleading investors

Dole Food Co. Chief Executive Officer David Murdock agreed to a $74 million settlement of claims he misled investors about a 2013 deal to take the fresh-fruit producer private so he could acquire the remainder of the company on the cheap.

Murdock and Michael Carter, Dole s former president and chief counsel, resolved the investors lawsuits over the $1.2 billion transaction after meeting with a mediator in January, according to court filings.

Photographer: Jemal Countess/Getty Images

The settlement comes almost two years after a Delaware judge concluded that Murdock and Carter should pay $148 million to investors who were shortchanged in the $13.50-per-share buyout of the 40 percent of the company Murdock didn t already own. The settlement and the Delaware verdict bring the total amount of payouts over the buyout deal to $222 million.

Meryl Young, a lawyer for Dole, didn t immediately return phone call and email messages Wednesday seeking comment on the accord.

It s not clear from court filings whether the $74 million settlement will be covered by Dole s insurance. Murdock has sued the company s insurers in state court in Delaware over coverage for the $148 million judgment.

Cheap Purchase

Chancery Judge Travis Laster concluded Murdock and Carter undertook a campaign to mislead investors about Dole s operations and finances to drive down the value of the company so the CEO could acquire it more cheaply. He found investors should get $2.74 more per share than the $13.50 they received through Murdock s offer. Interest drove the total amount Laster awarded to about $170 million.

A group of pension funds sued the two executives in federal court in Wilmington accusing the men of engaging in securities fraud as part of the going-private deal. The state-court judgment didn t cover such claims. The funds accused Murdock and Carter of giving shareholders false, negative information designed to artificially depress the price of Dole s common stock.

The 93-year-old Murdock served as Dole s CEO from 1985 to 2007 before returning to the role in 2013. He first took the Westlake Village, California-based company private in 2003 and sold 60 percent to the public in 2009. Murdock has a net worth of $3.8 billion, according to the Bloomberg Billionaires Index .

U.S. District Judge Sue Robinson in Wilmington, Delaware, granted preliminary approval to the settlement on March 16. She will consider final approval on July 18.

The case is San Antonio Fire Police Fund v. Dole Food Company Inc. 15-cv-1140, U.S. District Court, District of Delaware (Wilmington).

Before it’s here, it’s on the Bloomberg Terminal.


09/09/2017

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Levaquin Lawsuit: Aortic Aneurysm, Dissection – Peripheral Neuropathy #depakote #lawsuit #settlement


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Levaquin Lawsuit

Levaquin Injury Lawyers Reviewing Cases for Aortic Aneurysm, Aortic Dissection and Peripheral Neuropathy

The product liability lawyers at Saiontz Kirk, P.A. are reviewing potential lawsuits for individuals throughout the United States who have suffered severe and debilitating injuries that may have been caused by side effects of Levaquin .

As a result of the drug maker s failure to adequately warn about the risks associated with the popular antibiotic, financial compensation may be available through a Levaquin lawsuit for individuals who have been diagnosed with:

Similar claims are being reviewed against the makers of other fluoroquinolone antibiotics, including Avelox lawsuits and Cipro lawsuits. All cases are pursued under a contingency fee agreement, which means that there are no fees or expenses unless a settlement or recovery is obtained. Request a free consultation and claim evaluation .

Levaquin Aortic Aneurysm and Dissection Cases

Levaquin is member of a class of antibiotics known as fluoroquinolones, which have been known to degrade collagen tissue inside the body and increase the risk of tendon ruptures for years. However, recent research suggests that the same mechanism may also cause an aortic aneurysm or aortic dissection .

In October 2015, a study published in the medical journal JAMA Internal Medicine highlighted the possible Levaquin aortic aneurysm and dissection side effects. finding that users may face a two-fold increased risk of experiencing these serious, painful and potentially life-threatening injuries.

The aorta is the main artery in the human body, traveling from the left ventricle of the heart to the abdomen. Both of these injuries from Levaquin may cause the aorta to rupture, which can result in internal bleeding, severe injury or wrongful death.

  • Aortic Aneurysm from Levaquin occurs when the walls of the aorta weaken, resulting in an abnormal bulge as the pressure in the aorta causes the weakened area to balloon outward.
  • Aortic Dissection from Levaquin occurs when the interior layers of the aorta weaken, resulting in tearing inside the aorta.

There is nothing that can be done to reverse an aortic aneurysm or aortic dissection from Levaquin. The best doctors can do is to ensure it does not burst.

When a rupture becomes a risk, patients must typically undergo invasive open chest or open abdomen surgery and have the bulged and weakened section removed and replaced with a graft. They must then be placed on an often restrictive and lifestyle-altering diet generally prescribed to heart surgery and heart disease patients.

As a result of the failure to warn about the risk of Levaquin aortic aneurysm and dissection problems, many individuals may have experienced serious and debilitating injuries that may have been avoided.

Levaquin Peripheral Neuropathy Problems

The lawyers at Saiontz Kirk, P.A. are also reviewing potential Levaquin peripheral neuropathy cases for individuals throughout the U.S. as the manufacturer of the antibiotic previously provided inadequate and misleading information for consumers and the medical community about the risk of long-term nerve damage.

Information about a potential link between Levaquin and peripheral neuropathy has been known for decades. However, until 2013, the manufacturer indicated that the nerve problems were rare and failed to disclose that many Levaquin users experienced symptoms of nerve damage that continued long after they stopped using the drug.

Peripheral neuropathy from Levaquin involves damage to the peripheral nervous system. It can cause weakness, numbness and pain. It usually first occurs as numbness or pain in the hands and feet, but often continues to move up the limbs.

Potential symptoms of a Levaquin nerve damage injury may include:

  • Numbness, Burning, Sharp or Electric-Like Pain
  • Extreme Sensitivity to Touch or Heat Intolerance
  • Changes in skin, hair or nails
  • Loss of Coordination, Muscle Weakness or Paralysis
  • Bowel and bladder problems
  • Dizziness, lightheadedness

In August 2013, the FDA required a new warning update for Levaquin and other fluoroquinolone antibiotics. In a drug safety communication (PDF). the federal regulatory agency warned that the nerve problems may arise any time during treatment with the antibiotic and may last for months, or even years.

According to allegations raised in Levaquin lawsuits now being pursued on behalf of individuals throughout the United States, the manufacturers should have disclosed that problems associated with peripheral neuropathy from Levaquin side effects may be permanent, impacting individuals long after they stop taking the drug.

Levaquin Class Action Lawyers

Levaquin (levofloxacin) is one of the most widely used antibiotics in the United States, often prescribed to prevent bacteria from rapidly reproducing and causing infection. The medication was introduced by Johnson Johnson s Ortho-McNeil subsidiary in 1996, and within ten years it grew to account for roughly 6.5% of the global pharmaceutical company s total revenue, with $1.6 billion in annual revenue by 2007.

Find Out If You or a Loved One Have Levaquin Lawsuit?

Within the medical community, serious concerns have emerged about the overuse of Levaquin and other fluoroquinolones.

In May 2016, the FDA issued a drug safety communication. warning that the antibiotics are so dangerous they should no longer be prescribed for many common types of infections.

It appears that the drug maker recklessly promoted the medication while failing to warn users and the medical community about the potential Levaquin risks.

As a result of the decision to place their desire for profits before the safety of consumers, the lawyers at Saiontz Kirk, P.A. are reviewing potential Levaquin class action lawsuits and individual injury claims for individuals who have suffered an aortic aneurysm, aortic dissection or been diagnosed with peripheral neuropathy .

Prior Levaquin cases have been handled by our law firm over inadequate warnings provided about the risk of Achilles tendon ruptures associated with the medication provided prior to 2008. While new tendon damage lawsuits are no longer being pursued due to strong warnings the FDA added to the label, our lawyers have the resources and experience to make sure users diagnosed with peripheral neuropathy, aortic aneurysm or aortic dissection receive proper compensation for these preventable injuries.

All lawsuits are handled by our Levaquin lawyers under a contingency fee agreement, which means that there are never any out-of-pocket expenses to pursue a lawsuit. Attorney fees and reimbursement for expenses are only paid out of any recovery obtained in the case, meaning that you pay nothing unless you win. To review a potential case for yourself or a loved one, request a free consultation and case evaluation .

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Antibiotic Nerve Problems


24/08/2017

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Fixed-Income Security #fixed #income #settlement #process


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Fixed-Income Security

BREAKING DOWN ‘Fixed-Income Security’

A fixed-income security, commonly referred to as a bond or money market security, is a loan made by an investor to a government or corporate borrower. The borrower, or issuer. promises to pay a set amount of interest, called the coupon, on a predetermined basis until a set date. The issuer returns the principal amount, also called the face or par value. to the investor on the maturity date .

Examples of Fixed-Income Securities

Treasury bills are sold by the U.S. government. Corporate bonds are issued by companies. Municipal bonds are issued by states, their agencies and subdivisions. A certificate of deposit (CD) is issued by a bank. Preferred stock pays a dividend in a set dollar amount or percentage of share value on a predetermined schedule. Take for example, a 5% fixed-rate government bond where a $1,000 investment results in an annual $50 payment until maturity when the investor receives the $1,000 back. Generally, these types of assets offer a lower return on investment because they guarantee income.

Benefits of Fixed Income

Fixed-income securities generate regular income, reduce overall risk and protect against volatility of a portfolio. The securities can appreciate in value and offer more stability of principal than other investments. Corporate bonds are more likely than other corporate investments to be repaid if a company declares bankruptcy .

Risks of Fixed-Income Securities

The generally low risk of investing in fixed-income securities results in typically low returns and slow capital appreciation. A principal balance may be tied up for a long time, resulting in lost income by not investing in other securities. Interest rate fluctuations cause bond prices to change, potentially resulting in lost income by having money locked into a lower-interest bond and not being able to invest in a higher-interest bond. Bonds issued by a high-risk company may not be repaid, resulting in loss of principal and interest. Investing in international bonds may result in losses due to exchange rate fluctuations. For example, if a U.S. investor owns bonds denominated in euros, and the euro decreases in value relative to the U.S. dollar, the investor’s returns are lowered.


18/08/2017

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Jane Addams Quotes: From the Founder of Hull-House #settlement #quotes


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Jane Addams Quotes

Updated October 31, 2016

Jane Addams is best known as the founder and, for its early history, the leader of Hull-House in Chicago, one of the most successful settlement houses. She also worked for women s rights and peace, and wrote several books on social ethics. She was awarded a Nobel Peace Prize .

Selected Jane Addams Quotations

  1. Nothing could be worse than the fear that one had given up too soon, and left one unexpended effort that might have saved the world.
  1. The good we secure for ourselves is precarious and uncertain until it is secured for all of us and incorporated into our common life.
  2. Unless our conception of patriotism is progressive, it cannot hope to embody the real affection and the real interest of the nation.
  3. In his own way each man must struggle, lest the normal law become a far-off abstraction utterly separated from his active life.
  4. Action indeed is the sole medium of expression for ethics.
  5. Our doubts are traitors and make us lose the good we often might win, by fearing to attempt.
  6. Private beneficence is totally inadequate to deal with the vast numbers of the city s disinherited.
  7. We have learned to say that the good must be extended to all of society before it can be held secure by any one person or class; but we have not yet learned to add to that statement, that unless all [people] and all classes contribute to a good, we cannot even be sure that it is worth having.
  1. We slowly learn that life consists of processes as well as results, and that failure may come quite as easily from ignoring the adequacy of one s method as from selfish or ignoble aims. We are thus brought to a conception of Democracy not merely as a sentiment which desires the well-being of all [people], nor yet as a creed which believes in the essential dignity and equality of all [people], but as that which affords a rule for living as well as a test of faith.
  1. Social advance depends as much upon the process through which it is secured as upon the result itself.
  2. The new growth in the plant swelling against the sheath, which at the same time imprisons and protects it, must still be the truest type of progress.
  3. Civilization is a method of living and an attitude of equal respect for all people.
  4. Old-fashioned ways which no longer apply to changed conditions are a snare in which the feet of women have always become readily entangled.
  5. I do not believe that women are better than men. We have not wrecked railroads, nor corrupted legislature, nor done many unholy things that men have done; but then we must remember that we have not had the chance.
  6. National events determine our ideals, as much as our ideals determine national events.
  7. An unscrupulous contractor regards no basement as too dark, no stable loft too foul, no rear shanty too provisional, no tenement room too small for his workroom as these conditions imply low rental.
  8. America s future will be determined by the home and the school. The child becomes largely what he is taught; hence we must watch what we teach, and how we live.
  9. The essence of immorality is the tendency to make an exception of myself.
  1. The excellent becomes the permanent.
  2. Teaching in a Settlement requires distinct methods, for it is true of people who have been allowed to remain undeveloped and whose facilities are inert and sterile, that they cannot take their learning heavily. It has to be diffused in a social atmosphere, information must be held in solution, in a medium of fellowship and good will. It is needless to say that a Settlement is a protest against a restricted view of education.
  3. [M]any women today are failing properly to discharge their duties to their own families and household simply because they fail to see that as society grows more complicated it is necessary that women shall extend her sense of responsibility to many things outside of her home, if only to preserve the home in entirety.
  4. The relationship of students and faculty to each other and to the residents was that of guest and hostess and at the close of each term the residents gave a reception to students and faculty which was one of the chief social events of the season. Upon this comfortable social basis some very good work was done.

Learn Something New Every Day

Discover surprising insights and little-known facts about politics, literature, science, and the marvels of the natural world.

  1. That Christianity has to be revealed and embodied in the line of social progress is a corollary to the simple proposition, that man s action is found in his social relationships in the way in which he connects with his fellows; that his motives for action are the zeal and affection with which he regards his fellows. By this simple process was created a deep enthusiasm for humanity; which regarded man as at once the organ and the object of revelation; and by this process came about the wonderful fellowship, the true democracy of the early Church, that so captivates the imagination. The spectacle of the Christians loving all men was the most astounding Rome had ever seen.
  2. It is always easy to make all philosophy point one particular moral and all history adorn one particular tale; but I may be forgiven the reminder that the best speculative philosophy sets forth the solidarity of the human race; that the highest moralists have taught that without the advance and improvement of the whole, no man can hope for any lasting improvement in his own moral or material individual condition; and that the subjective necessity for Social Settlements is therefore identical with that necessity, which urges us on toward social and individual salvation.
  3. For ten years I have lived in a neighborhood which is by no means criminal, and yet during last October and November we were startled by seven murders within a radius of ten blocks. A little investigation of details and motives, the accident of a personal acquaintance with two of the criminals, made it not in the least difficult to trace the murders back to the influence of war. Simple people who read of carnage and bloodshed easily receive its suggestions. Habits of self-control which have been but slowly and imperfectly acquired quickly break down under the stress.
  4. Psychologists intimate that action is determined by the selection of the subject upon which the attention is habitually fixed. The newspapers, the theatrical posters, the street conversations for weeks had to do with war and bloodshed. The little children on the street played at war, day after day, killing Spaniards. The humane instinct, which keeps in abeyance the tendency to cruelty, the growing belief that the life of each human being — however hopeless or degraded, is still sacred — gives way, and the barbaric instinct asserts itself.
  1. It is doubtless only during a time of war that the men and women of Chicago could tolerate whipping for children in our city prison, and it is only during such a time that the introduction in the legislature of a bill for the re-establishment of the whipping post could be possible. National events determine our ideals, as much as our ideals determine national events.

More Women s Quotes:

About These Quotes

Quote collection assembled by Jone Johnson Lewis. This is an informal collection assembled over many years. I regret that I am not be able to provide the original source if it is not listed with the quote.


11/08/2017

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How to Negotiate With the IRS Over Back Taxes #back #taxes


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How to Negotiate With the IRS Over Back Taxes

This week, Gail offers tips on how to settle your I.O.U. with Uncle Sam.

Let’s say that back in 2004 you exercised stock options that by the end of the year were worth less than what you paid for them. Or, maybe you simply forgot to report that time you hit the jackpot in Vegas. Or maybe your tax preparer had you invest in one of those can’t-fail schemes that promised to give you a big tax write-off.

In early 2005 you spend your savings account to turn your basement into a home theater. Then in mid-summer your world starts to crumble. You get laid off. Your child needs and emergency operation and you no longer have health insurance.

A few months later you receive a letter stating that the way the IRS calculates your taxes, you actually owe the government $34,000 for the previous year. Since you have no cash, you send back a check for a few hundred bucks hoping the IRS will interpret this as a good faith effort.

In 2006 you find a job at half the salary and are able to again (barely) cover your mortgage payments. However, to make ends meet during the period you were unemployed, you maxed out your credit cards. Collection agencies are hounding you. The IRS repeatedly reminds you of the obvious: you owe Uncle Sam a bunch of money from the year before and interest charges are being assessed.

Since you needed as much money as possible in order to throw an occasional check at your creditors, you didn’t have enough tax withheld from your paychecks last year. As a result, your (new) tax preparer informs you that you owe an additional $9,000 in federal income tax. By this time, you’re so far in the hole you can’t afford to include a check when you file your return.

The IRS notices keep coming. Since you don’t know what to do, you take the ostrich approach: you stuff them in a drawer. But you’re a nervous wreck. You’re sure you’ll show up for work one day and an IRS agent will be waiting for you.

Then, one sleepless night you stumble downstairs, turn on your 60-inch plasma screen TV and (in surround sound) hear the answer to your prayers:

Settle your back taxes for pennies on the dollar!

The actor in the ad describes something called an Offer in Compromise, explaining that this allows you to wipe out your tax bill by making an offer to the IRS of an amount that you feel are able and willing and able to pay. How civilized! The ad even includes a testimonial from Joe in Fargo who was able to discharge (the legal term for erase ) $200,000 in taxes by paying just $2,000, or some other amazingly puny amount.

Although you feel slightly stupid for not knowing about this sooner, a huge weight is lifted from your shoulders. The company sponsoring the infomercial will even help you fill out the paperwork — for a fee, of course. But who cares if you can wipe out your back taxes. You rush upstairs and wake your spouse to share this wonderful news.

Now here’s a little reality check.

Offers in Compromise have been around for years. But attorney Mike Goller at the Milwaukee firm of Reinhart Boerner says in order to literally settle your tax bill for pennies-on-the-dollar, you really have to be poor .

If you have no equity in your home, don’t own any assets or investments, and are not likely to earn enough to ever pay back your debt, the IRS will settle for a small amount of money just to save the cost of seizing whatever paltry assets you do own.

However, Goller says, If you’re upper middle class, the IRS will want a big chunk of your assets. Moreover, generally it’s not how much you owe. it’s how much you can pay .

And that is determined, not by you, but by the IRS.

In other words, don’t think for a second that you get to pick a number out of the sky and submit this as your offer. (Forget about proposing that your settlement be a percentage of your outstanding tax debt. That won’t fly at all.) There’s a formula that determines how much you can theoretically afford to pay. You arrive at this amount by filling out two IRS worksheets — Form 656 and Form 433-A (businesses would use Form 433-B). These require you to list the value of your assets, including your home, as well as all of sources of income. Everything must be documented.

After the paperwork is submitted to the IRS the fun begins. Government examiners will review your numbers. According to Goller, they could agree that your offer is acceptable, or they could come up with a different amount and kick it back.

You might have to negotiate what your future wages will be and/or the current value of your assets. This is where the compromise comes in.

Say you estimate your house is worth $200,000 and the IRS says it’s worth $300,000, says Goller. That’s a $100,000 difference in equity.

Oh, and that company you hired to fill out the forms for you? Don’t assume they’re going to help if you reach the negotiation stage. Read the fine print: it might say that their only obligation is to complete the original paperwork.

Here’s the good news: you don’t have to pay someone else $5,000-$10,000 to file an Offer in Compromise. You absolutely can do this yourself, according to Goller. Besides, wouldn’t you be better off if that money went toward reducing your tax bill, instead? The forms and instructions can be downloaded from the IRS website, www.irs.gov .

The number of Offer in Compromise submissions has increased significantly in recent years (those infomercials are apparently quite effective). Goller says one reason more folks are filing them is that once it receives your offer, generally, the IRS will stop its collection activity.

Translation: if the IRS is about to garnish your paycheck, filing an Offer in Compromise can put that on hold.

In order to reduce the volume of bogus Offer in Compromise requests (presumably by people who could afford to pay up, but want to postpone doing so), in recent years the IRS has instituted a number of changes in how these are processed. One of the first was to slap a fee of $150 on every application.

Goller, an expert on this topic, says the IRS is also taking a very technical approach. If your paperwork is incomplete or if you don’t meet specific deadlines, your offer will be rejected. I’ve seen offers denied because they were a day late, he says.

His advice: read the instructions carefully, be sure the worksheets are complete and accurate, attach copies of all back-up documents required — bank statements, pay stubs, brokerage statements, etc.— and, by all means, observe all deadlines.

However, Goller say it’s the latest policy change that has sent a shiver through the legal and accounting profession: effective last July, anyone submitting an Offer in Compromise has to include a non-refundable partial payment for 20 percent of the amount they are offering as a settlement.

Say you owe $50,000 in back taxes and penalties. According to the way you value your assets, you figure you should be able to settle for $10,000. In addition to the $150 filling fee, you now have to include a check for 20 percent of this.

You scrape together your last $2,000 and hope you can get another $8,000, says Goller. The risk is that the IRS rejects the offer and keeps the money. So you still owe $48,000. Now you’ve got to negotiate a new amount.

According to Goller, most offers are lump sum settlements where the taxpayer agrees to settle up with the government in one or no more than five payments, usually within 90 days after agreement is reached with the IRS.

However, he stresses that those 90 days could be a year from now because of how long it takes to process your offer. In other words, you’ve got time to come up with the rest of the money.

If you choose the periodic payment method it’s more costly. Although you get to spread your payments over several years, you have to make payments each month — including the months you’re waiting for the IRS to review your offer. And, either way, you have to pay a good percentage of your offer up front, says Goller.

At this point you may be wondering why you shouldn’t just file for bankruptcy and get your back taxes wiped out that way. The simple answer is that it’s probably not possible.

Philadelphia attorney Stephen Ross, who does a lot of bankruptcy work, says that under Chapter 13 certain debts are non-dischargeable, i.e. you still have to pay them back. This includes child support, attorney fees, up to a year of mortgage payments, and taxes owed.

Filing under Chapter 7 erases more debt, but this does not include child support, student loans, or taxes — with one exception. If your back taxes are at least five years old and you filed income tax returns for those years this could be discharged under Chapter 7, says Ross.

The bottom line: if you find you owe taxes you can’t afford to pay, the sooner you contact the IRS and try to work out a deal, the better.

If back taxes are keeping you awake at night, try a glass of hot milk and an old movie instead of watching those infomercials.

Hope this helps,
Gail


11/08/2017

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National Tax Relief – Professional Tax Help for Small Businesses and


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We Fix Tax Problems

We understand the stress and uncertainty that one can feel when they get behind on their taxes. If you owe back taxes to the IRS (or State) and are ready to permanently resolve your tax debt – You have come to the right place! Our programs follow rules and procedures set up by the IRS to help people who cannot afford to pay back their debt to reduce or completely eliminate what they owe. If you need professional tax advice or help stopping IRS collection action against you or your business – We can help – Guaranteed!!

We Assist Taxpayers in all 50 States and overseas!

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Find out how our services and programs can help you. Our Tax Help Services are available Nationwide!

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02/08/2017

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What Is a Structured Settlement? #define #structured #settlement


What Is a Structured Settlement?

A structured settlement is an arrangement in which payments are made over time after a judgment in a lawsuit or an insurance claim. Some settlements include a portion of the payout up-front, with the remaining balance “structured” into monthly, bi-annual or annual payments.

History

Structured settlements were created in the mid-1970s after the Internal Revenue Code allowed defendants to purchase annuities in order to fund financial obligation. The annuities paid out over a period of time, paying the defendant’s judgment. These structured payment plans were devised for “large catastrophic injury cases,” according to RinglerAssociates.com, but now they are just as likely to be used for small-scale cases, with some even under $50,000.

Function

Winning a lawsuit or filing an insurance claim for a large sum of money does not mean that you will receive the payment in full at one time. Some companies and individuals prefer to set up a payment structure to meet current and future financial obligations. If you sue and then win a lawsuit, the defendant’s insurance company purchases annuities from another insurance company, who in turn makes the payments to you.

Considerations

Most structured settlements include up-front payments for medical expenses, legal fees, and other costs related to the injury. The settlements can continue for a person’s lifetime and even pay a portion to the person’s estate at the time of death.

Warning

There are companies whose primary business is to purchase structured settlements. They offer to buy your settlement for a lump sum, allowing you to purchase a home or make some other large expenditure. These companies are in business to make a profit and you will be the one to lose money on the deal, not them. If you find yourself in this situation, carefully consider your options before signing over your payments. Make sure to contact several companies to make sure you receive the most money possible.

Benefits

Structured settlement payments are tax free on both the federal and state level, whereas a lump sum payout can incur taxes on any investment proceeds or interest earned from it. Attorney’s fees are often less when a structured settlement is offered and accepted. The benefits of having a steady income over a long period of time can be less worrisome to someone than a large lump sum that needs to be managed or invested.

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Annuity and structured settlements are popular payment methods for lawsuit cases, lottery payments or other large payment awards. They pay money over.

In general, the settlement you receive from your insurance company is not taxable income. Insurance is designed to indemnify you or to.

When you sue another party in court, and there is a good chance that you will win the case, the sued party.

A structured settlement is when a legal payment is structured in installments rather than a lump sum. The payee can purchase annuities.

Structured settlements are annuities paid to an individual over the course of time. Such settlements often occur in cases of personal injury.


31/07/2017

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Billview Phone Bill Customer Service #payment #processing, #payment #processing #services, #payment


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Billview Phone Bill Customer Service

Let Us Help You with Your Phone Bill

Welcome to Billview.com, your online resource to help you with your phone bill. BSG understands phone bills can be difficult to navigate, so let us help you identify items, charges and transaction types which are provided to you by your telephone company. BSG provides phone billing services enabling consumers to make purchases at authorized online stores, service providers and telecommunications companies, and pay later on their home phone bill.

How To Research Purchases Made with Your Phone Bill

When you make a purchase or sign up for services at authorized online stores, service providers and telecommunications companies, you will receive one of the following inserts (click to view): E NABILL. ESBI. HBS. OAN. USBI and ZPDI in your phone bill. The phone bill insert will have details on the purchase, the service provider where the purchase was made and charge information. Learn more about BSG s phone billing services and our program to protect consumers from unauthorized charges on home phone bills.

Contact Our Customer Service Team Now

Click on one of the phone billing service for details, and then contact us online or by calling for assistance. Our team is ready to help you research charges, provide contact information and details on the service provider where the purchase was made and help you resolve issues with your bill.

BSG s customer service team is available 7a – 9p Central time, Monday – Friday. You can also fill out an online Customer Service Inquiry. We will respond to your request within 4 business days.

Your Phone Bill Insert Page


28/07/2017

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Selling Structured Settlement Payments in Arizona #buying #a #structured #settlement


Selling Structured Settlement Payments in Arizona

In an effort to protect the rights of annuity and settlement sellers, Arizona has enacted the Arizona Structured Settlement Protection Act. Buyers should be aware of some specific provisions in this law as compliance with the Arizona law ensures a successful transaction resulting in faster approval from a court judge and fair financial compensation in the form of a lump sum payment for the structured settlement annuity payments. The following are a few legal considerations for those who want to buy or sell a structured settlement in Arizona:

  • The seller must reside in Arizona.
  • The transfer must be approved by a local court judge in Arizona based on the best interests of the seller.
  • Not less than three (3) days before the seller signs the transfer agreement, the buyer must provide the seller with a disclosure statement.

Arizona Structured Settlement Protection Act provided in Chapter 12 and Sections 2901-2904 covers more detail on the disclosure for a transfer of structured settlement payment rights. The document needs to appear in bold-face font, at least 14 points in size. The agreement is provided as follows:

    A.The amounts and due dates of the structured settlement payments to be transferred.
    B.The aggregate amount of the payments.
    C.The discounted present value of the payments to be transferred, which shall be identified as the calculation of current value of the transferred structured settlement payments under federal standards for valuing annuities, and the amount of the applicable federal rate used in calculating the discounted present value.
    D.The gross advance amount that is payable to the payee in exchange for the payments.
    E.An itemized listing of all applicable transfer expenses, other than attorney fees and related disbursements payable in connection with the transferee’s application for approval of the transfer, and the transferee’s best estimate of the amount of attorney fees and related disbursements.
    F.The net advance amount that is payable to the payee after deduction of all commissions, fees, costs, expenses and charges listed in subdivision (e) of this paragraph.
    G.A statement that the payee has the right to cancel the transfer agreement, without penalty or further obligation, not later than the third business day after the date the agreement is signed by the payee.
    H.The amount of any penalty and the aggregate amount of any liquidated damages inclusive of penalties that are payable by the payee in the event of any breach of the transfer agreement by the payee.

If you are a Arizona resident and have a question regarding how to receive cash for your structured settlement or how Annuity Transfers, Ltd. will assist in selling a structured settlement, we are here to help you. You can get the process started by sending us a description of your settlement buyout with our Automated Quote Request. We will give you a call after we receive your request to discuss your specific needs.

We appreciate the opportunity to earn your business and look forward to serving you!

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25/07/2017

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10 Ways to Settle Your IRS Tax Debts For Less Than


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10 Ways to Settle Your IRS Tax Debts For Less Than What You Owe

Do you Find dealing with the IRS frustrating, Intimidating and Time-consuming. You’re not alone.

While taxpayers may always represent themselves in front of the IRS, many turn to professional tax help (specialized IRS Tax attorney s, CPAs, and Certified Tax Resolution Specialists) in order to maximize their chances of winning a tax settlement while minimizing their contact with the IRS agents. Owing the Internal Revenue Service (IRS) money is intimidating to most people. The IRS has the power to garnish your wages, seize your assets and place a lien on your property in order to obtain the money that you owe them. However, these actions can be prevented by communicating promptly with the IRS about your situation. The IRS is usually willing to work with taxpayers, and there are several options available so that you may resolve your debt issues.

Another Interesting Read:

As a creditor, the Internal Revenue Service carries the weight of the federal government behind it. In addition to having extensive methods to collect on outstanding tax debt, the IRS also can be extremely patient. As long as the IRS knows it is going to get paid someday, it can wait until you are in a better financial position to pay. Of course, the longer you take to pay your tax debt, the more you will owe.

10 Ways to Settle Your IRS Tax Debt

1. Installment Agreement:

A monthly payment plan for paying off the IRS. If you think you are a victim of a fraudulent investment scheme (“Ponzi” Scheme), where you have lost all or most of your investment, you may be eligible to take advantage the United States Tax Code (law) to recoup 30% to 40% of your losses. This highly technical and complex process can help you reduce taxes paid in previous years resulting in refund with interest.

What are the different types of Installment Agreements?

2. Partial payment installment agreement:

A fairly new debt management program where you have a long term payment plan to pay off the IRS at a reduced dollar amount.Much like a monthly credit card payment, IRS payment plans allow you to pay off your unpaid back taxes in installments instead of all at once. A well-qualified tax debt attorney or Certified Tax Resolution Specialist will negotiate the lowest possible monthly payment for your needs.

3. Offer in Compromise :

A program where you can settle your tax debts for less than what you owe. Requires making a lump sum or short term payment plan to pay off the IRS at a reduced dollar amount.If you owe the IRS more than you can afford to pay, this could be the plan for you. Essentially, an Offer in Compromise gives you the opportunity to pay a small amount as a full and final payment. If you qualify for the Offer in Compromise program, you can save thousands of dollars in taxes, penalties and interest.

4. Not currently collectible:

A program where the IRS voluntarily agrees not to collect on the tax debt for a year or so. Currently Not Collectible means that a taxpayer has no ability to pay his or her tax debts. The IRS can declare a taxpayer currently not collectible, after the IRS receives evidence that a taxpayer has no ability to pay. This is a useful tool because you can file for a collection appeal to stop an IRS levy, lien, seizure or the denial or termination of an installment agreement. The collection appeal gives you the opportunity to explain how you think the situation could be solved without the IRS levy or seizure .

5. Lower Your Debt With Credit Card Debt Settlement:

There are two methods of credit card debt consolidation. through a credit card debt settlement company or on your own. Credit card debt settlement companies should be avoided. They collect your payments for months before making a settlement offer if they make an offer at all. Meanwhile, you continue receiving collection calls and negative payment marks on your credit report. You ll get better and faster results settling debts on your own.Final credit card debt settlement agreements should be in writing. Either draft an agreement of your own or have your credit card company send you an agreement. Make sure you and someone from your credit card company have both signed the agreement before you send payment.

6. File bankruptcy:

Income tax debts may be eligible for discharge under Chapter 7 or Chapter 13 of the Bankruptcy Code. Filing for bankruptcy is one of five ways to Tax Debt Relief. but you should consider bankruptcy only if you meet the requirements for discharging your taxes. Chapter 7 provides for full discharge of allowable debts. Chapter 13 provides a payment plan to repay some debts, with the remainder of debts discharged

There s no secret sauce in paying off tax debts. These are the only five ways of getting out from under the IRS aggressive debt collection tactics. If a tax pro promises you that you can save pennies on the dollar through an offer in compromise, that person is probably more interested in selling you something you don t need instead of focusing on your unique financial situation and determining what the best course of action is for you.

7. Release Wage Garnishments .

When you owe Uncle Sam money, the IRS can levy your wages, salary, or federal payments until the levy is released, your tax debt has been fully paid off, or the time expires for legally collecting the tax. There’s room here to bargain for a release or modification to the garnishment if you don’t have enough money to survive with the levy.

8. Stop the IRS from Levying Your Bank Account.

The IRS can issue a bank levy to take your cash in savings and checking accounts to collect back taxes. When the IRS levies a bank account, the bank is required to remove whatever amount is available in your account that day (up to the amount of the IRS levy ) and send it to the IRS in 21 days unless notified otherwise by the IRS. Part of the process of resolving your IRS debt is obtain a release of the levy from the IRS.

9. Innocent Spouse Relief.

If you happen to inherit your spouse’s IRS tax problems. you have an escape route. If you can prove that your circumstances fit within the IRS guidelines for innocent spouse tax relief. you may not be subject to the taxes caused by your spouse or ex-spouse.

10. Pay Attention to the Expiration of the Statue of Limitations.

The IRS has 10 years from the date of assessment (usually close to the filing date) to collect all taxes, penalties and interest from you. An expert tax attorney, tax CPA or tax resolution specialist can help resolve your back taxes and IRS problems by just by advising and strategizing with you to wait out the 10 year expiration date.

This is a useful tool because you can file for a collection appeal to stop an IRS levy, lien, seizure or the denial or termination of an installment agreement. The collection appeal gives you the opportunity to explain how you think the situation could be solved without the IRS levy or seizure.

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13/07/2017

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How to Write a Settlement Demand Letter #auto #accident #personal #injury,


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How to Write a Settlement Demand Letter

There are a lot of articles on-line about how to write a good demand letter. Maybe you have already read a few articles before landing here. However, most of these how to write a personal injury demand letter articles are not just fundamentally useless, but actively wrong. Useless advice is bad enough, but this nonsense can actually undermine your case.

Before we get into how to write a settlement demand letter in a personal injury case, here are some sample for different types of accident and injury cases:

Here are ten dos and don ts when writing a settlement demand letter in a personal injury case:

1. DON T Write War and Peace.

The size of your demand letter should correlate to the size of your claim. If the case is literally worth millions, then you want a demand package that fully lays out the nuances of the claim. If you are bringing a legitimate seven figure case, insurance companies are willing to spend the time, actually getting in the weeds of what the case is really about and the details of the victim’s losses.

But, conversely, if you have $10,000 in medical bills and no permanent injury; insurance companies are rarely going to focus on details outside of the four corners of the medical record for a pre-suit settlement evaluation.

What is actually harmful in writing a demand letter that is too long? Probably no harm, if you are representing yourself. But if you are an attorney, writing an inappropriately long demand letter that is very disproportionate to the size of the case sends an I m an inexperienced lawyer and I have no idea what I m doing alarm. The insurance company will sense that you are out of your depth and will never take the case to trial.

The result? You will get a settlement offer that recognizes that there is no chance of a lawsuit ever being filed, and their courage to bluff you to see what you will do will increase. Why? Because the insurance company will expect you to take whatever settlement you can get.

2. DO Highlight Unique Facts About Your Case.

If there is something about your case that makes your claim more valuable, make it clear. This is another reason why writing a treatise is dangerous – you bury what really matters. If you missed your daughter s wedding because of the accident, or you were a marathon runner who can no longer run because of a herniated disc, this is something you need to effectively communicate to the insurance company.

Someone once wrote that good writing does not need to bold, underline, italicize, or use any other emphasis to make your point. But a demand letter is not the great American novel you want to add the extra emphasis to the unique facts of a case. Because you have to work to get their attention. You settlement demand letter will be reviewed by an adjuster who more than likely will look at several demand letters over the course of a day while plowing through hundreds of pages of medical records. Using bold letters. underlining. italicizing. or using ALL CAPS, or any other emphasis may make your key points stand out when the adjuster would otherwise ignore them.

The caveat to this is you cannot go over the top. Do not write a letter with 15 emphasized points. This is unbelievably counterproductive. We are talking about one or two key points that you may need to underscore.

3. DON T Send the Demand by Certified Mail

Listen, I get that many of you out there both victims and lawyers — are not looking to file a lawsuit. You just want to settle your case, for as much money as you can, without filing a lawsuit. I get it. But you have to look the part. Sending a demand letter by certified or registered mail is a loud signal that all you are looking to do is settle the case.

In my office, I do not send out demands by certified mail and I do not harass adjusters to respond to our demands (unless my client has communicated a critical need for money immediately). For us, the demand letter is a we can settle this if you put real money on it, otherwise we are going to come out swinging event in the case. We love trying cases. But I cannot emphasize enough that if you are not of this mindset, you still have to fake it like you are.

4. DO Differentiate Your Case

The adjuster is going to read the medical records in your case. For all of their failings, insurance adjusters do a solid job of pulling out the critical facts in a demand letter. The most important part of the demand letter is explaining why your case is worth more than the adjuster thinks and worth more than cases with similar medical treatment, bills, etc.

5. DON T Make a Specific Settlement Demand

There is an exception to this rule – we will get to in a second. Unless you really know what you are doing, making a demand is a mistake. You are either going to make a settlement demand that is too high or too low. Either is a catastrophic mistake. You can mitigate your risk by letting the insurance company make the first move.

6. DO Demand Policy Limits

While settlement demands before an offer are generally a bad idea in most cases, demanding the policy limits makes sense if the value of the case is in the same ballpark as the policy limits. You should make the demand subject to a verification of assets and other contingencies you control so you are not actually locked into the demand.

You have to find out what the policy limits are. Most states have laws that allow you to do this. Maryland requires insurance companies to provide this information if the Plaintiff jumps through a series of hoops.

Avoid using incendiary language or making wild threats. Do not suggest the possibility punitive damages unless you are sure your jurisdiction allows them in your particular case. Insurance adjusters deal with over-the-top tough guys every day and they are immune to it. Be clear, be resolute, but check your hyperboles at the door. Lawyers who talk like this are the least likely actually to mean it and every insurance adjuster knows it.

8. DO Make Clear the Case Will Not Settle Unless

Our demand packages make clear that there are some factors sometimes external to the medical records — that must be considered and included in the settlement calculus or the case will not settle.

9. DON T Set a Time Limit on a Response Unless You Mean It

You cannot tell an adjuster you will file suit if you don t hear back from them by a certain date and then not file suit on that very date. If the insurance adjuster does not know the lawyer or if the victim is representing herself, they tend to discount your bluster. There is no getting around this. But giving them proof that you are all talk is going to be fatal to your effort to maximize the value of your claim.

10. DO Include All of Your Damages

The idea that there is a settlement formula based on the amount of medical bills is nonsense. Still, there is no question that the amount of the victim s hard economic damages has an anchoring effect of the value of the claim. If you have spent or lost just a penny from the result of the car accident or other tort, include it in your demand package with adequate documentation.

Baltimore. MD 21202

Phone: (410) 779-4600 Toll Free: (800) 553-8082

We serve the following localities: Baltimore; Prince George’s County including Bowie, Laurel, Landover, Hyattsville; Anne Arundel County including Glen Burnie; Baltimore County including Cockeysville, Glyndon, Hunt Valley, Jacksonville, Lutherville-Timonium, Owings Mills, Parkville, Reisterstown, and Towson; Carroll County including Westminster; Frederick County including Frederick; Harford County including Abingdon, Bel Air, Belcamp, and Forest Hill; Montgomery County including Germantown and Rockville; Howard County including Ellicott City and Columbia, Washington, D.C. and Washington County including Hagerstown.


07/07/2017

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Selling my structured settlement #selling #my #structured #settlement


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selling my structured settlement

Опубликовано: 28 июл. 2016 г.

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    06/07/2017

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  • Selling My Structured Settlement – Call 1-800-CASHMEOUT for a free consultation


    Unlock your money today

    Selling your structured settlement or annuity payments is the right way to solve a wide range of financial troubles that you might have. Whether you ve got to pay off standing debt or you want to invest in a new house or a college education, selling a portion or the entirety of your future payments is a way to get your finances back in control.

    To get money now, call 1-800-CASH-ME-OUT and one of our representatives will be in touch with you shortly.

    Why sell your structured settlement or annuity?

    When you ve got an emergency or other important issue, cashing in on your annuity is better than putting your life on hold. Get your money today by selling your payments and you will be able to buy that new home, fund your kids college education or invest it in your portfolio.

    Here are a couple of reasons why people choose to sell their structured settlement:

    • Paying off debt (students loans, bank loans, medical, etc.)
    • Buying or repairing a home
    • Funding your children s college education
    • Investing in your retirement fund
    • Investing in property or stocks or even a business
    • Divorce

    Any event or activity that requires a lump sum of money will be made possible by selling your structured settlement.

    What is a structured settlement?

    When a plaintiff settles a case for a large sum of money, he will usually have the option of receiving either one large lump sum or a number of periodic payments spread over years or a lifetime. When a settlement is paid in this manner, it is called a structured settlement. The purchase of annuities from a life insurance company allows for periodic payments to be made to an individual, as it is laid out in the settlement agreement.

    A structured settlement can be arranged in almost any way the parties want it to be. As an example, you can have quarterly payments, annual payments, or you can have lump sum payments every couple of years. Make sure though that you discuss this with your attorney before you sign the settlement agreement because once you ve signed, there is no way to change it.

    How to benefit from a structured settlement

    The number one benefit of structured settlements or annuity payments is tax exemption. With the right setup, a structured settlement will reduce your tax obligations and in most cases will grant you tax-free status on future payments.

    Another benefit of structured settlements are spendthrift requirements which will protect the plaintiff from poor financial decisions. Some people just aren t good with money the minute they get a larger lump sum they go out and spend it all or give it away by investing in dubious opportunities or even lending relatives money. Minors can benefit from structured settlements by having certain costs covered during their youth with a provision of getting an increase in the future to cover for college or other educational expenses. Injured persons who have specific medical needs will benefit from having periodic payments to buy special supplies, medical equipment and other costs.

    Sometimes, in cases of severely disabled persons, it may be more appropriate to setup a special needs trust instead of a structured or lump sum settlement. Consult with a financial planner to know which options would be best for you in the present and future.

    The downside of structured settlements

    Many people feel like their money is locked away by structured settlements. They have more immediate needs like buying a house, a car or investing in something, but they re forced to wait to receive these periodic payments before they can act.

    Fortunately there is the option of selling your structured settlement or annuity. Selling a portion or the entirety of your structure will give you a lump sum which you can invest right away. Standard investment avenues will give you a greater return-on-investment than the annuity you receive from a structured settlement.

    How to sell your structured settlement

    If you re experiencing financial hardship or you need money now to invest in stocks or property, you are probably interested in selling your structured settlement. An estimate 2/3 of states now have laws that restrict the sale of structured settlements where a court hearing is required and tax-free structures are subject to federal restrictions when sold to a third party. Some insurance companies will even prevent selling by having specific rules that do not allow for the transfer or assignment of annuities to third parties. Because of this, your location and terms of your settlement will play a big role in determining whether you can sell your structured settlement or not.

    Keep in mind that by selling today, you will receive less than the actual value of the structured settlement. However, the right way to think about this is that you re trading a small portion of the annuity for instant access today. Would you rather wait 10 to 15 years to get that money or would you rather get it now and put it to good use right away?

    We offer the more than any other buyer of structured settlements. Our company is established, well-funded and has plenty of experience in this area.

    Considerations before signing a settlement agreement

    Before you sign the dotted line on the settlement agreement, there are a couple of things you should keep in mind.

    Watch out for excessive commissions. Insurance companies make a pretty profit from annuities and these often come with high commissions attached. Make sure that the commissions attached to the structured settlement don t eat up a significant portion from the original sum.

    Low dollar value. Some defendants, after negotiating a settlement figure, will overstate the value of the settlement. If the plaintiff accepts this figure, they will find out through investigation that they re actually receiving less than they should. A common scheme is for the defendant to pay the full nominal value of the settlement to get significant rebates from the companies that they re buying the annuities from. As a plaintiff, you should compare commissions and fees charged for similar structured settlements with a number of insurance companies. This way, you ll know for sure if you re getting the full value. It s possible to discuss with your attorney to have a condition written down so that the defendant pays the full value of the settlement and that any rebates received by him will go directly to the plaintiff.

    Self-dealing lawyers. Make sure that your lawyer isn t involved in the insurance business by setting up a settlement on behalf of you without disclosing that he is buying the annuities from his own business or a business that is paying him commissions on the annuities. In other cases it was found that the attorney would recommend a financial planner without disclosing his affiliation to him, thus receiving a nice referral fee from it. Ask your lawyer if he has any affiliation to the financial services recommended by him.

    Take life expectancy into account. An unfortunate fact is that many plaintiffs who obtain a settlement will have a shortened life expectancy as a result of their injuries. Consider whether it s appropriate to have a structured settlement where payments cease upon death. You can insist upon an annuity that pays a specific minimum amount, so that value of the settlement is not captured by insurance companies if death were to occur.

    Multiple insurance companies. If you ve got a large settlement, you can always buy annuities from a number of insurance companies. This ensures that you re still protected and continue receiving payments in case where one of the company that issued the annuity goes into bankruptcy. This way you re still set up to receive periodic payments, even if the company defaults in part or in full.

    There s no better time to sell your structured settlement than now. Life waits for nobody. There are bills to be paid, education to be provided for and opportunities to be invested in. Call 1-800-CASH-ME-OUT to get access to your money, today.

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    06/07/2017

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    Best Mode Of Payment: Structured Settlement Annuity #structured #annuity #settlement, #sell


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    Best Mode Of Payment: Structured Settlement Annuity

    February 26, 2015

    You may be a person who always obeys the law and have not gone in your whole life time to either a law agency or lawyer. But nobody has an inkling of fate’s plans and chances are that your neighbor might have suffered a personal injury and as a humanitarian, you try to help him through the rough patches of time. You help his family in filing a law suit against the persons responsible for the accident, and the court rules the case in your neighbor’s favor. The defendant’s attorney after evaluating the pros and cons of your neighbor family problems suggest structured settlement annuity as the best way of making payments.

    An annuity is best defined as a string/set of payments given at specific intervals of time. The best examples of annuities can be referred to be as consistent deposits in monthly insurance payments, pension payment, savings account etc. They are usually categorized according to the number of payments made in a particular period of time (it may be weekly, quarterly, monthly, yearly etc).

    Structured Settlement Annuity is best described as a series of payments that will be given to a person in case of personal injury cases, or worker compensation or legal settlements (any type). If you are eligible for compensation, you are also entitled to receive your amount as a whole provided you are assisted by specialized consultants and have a worthy reason. These settlements are widely preferred as they are considered as safe bets for physical injury. Till the recent day from 1983, persons benefitted from these tax free income payments number more than 500,000.

    In a structure annuity settlement, any injured worker is liable to receive compensation to the full amount and if he/she gets well, they can resume their jobs.

    Periodic Payment Settlement Act or PPSA was formulated by the Government to help claimants save money for a better future.

    Types of Structured Settlement Annuity

    Personal Injury

    The plaintiff has received a large amount as compensation or he/she opts for a huge settlement, but the amount is divided into small sums of payment that can be credited into his/her bank account or any other source over a period of time. These small payments can resolve help the backlog pay expenses of family requirements or medical expenses. The negotiations can be discussed in the presence of a structured settlement consultant who can provide the necessary numbers on calculation. The defendant can then transfer the agreement to a life insurance company (third party) which can provide the funds as per the plan.

    Generally, the defendant’s insurance company prefers this type of payment – the reason- they can make the claimant settle for less money rather than the total value concerned with the case. But they do not disclose the price that will be needed for purchasing the annuity. The plaintiff’s lawyer cannot come to a conclusion if the amount is not brought to the fore for successful evaluation of settlement.

    Wrongful Death

    If the primary bread earner of a family has expired, his/her families are entitled to receive compensation via a preferred set of payments (tax free).

    Worker’s Compensation

    If you are injured while on the job, you will be paid until recovery if you have successfully fulfilled all the criteria. The amount can come in handy for medical expenses, handle family challenges such as paying your children’s school fees or other household requirements.

    In the period of two decades, the structured settlement annuity has gone through changes. All States in US have approved the rules to minimize the risk of insurance companies in case of insolvency. They have to abide by a strict set of rules such as strict accounting rules, mandatory yearly audits, investments should meet specific standards with regards to security etc.

    Benefits

    Families, who have lost one of their own, stand to benefit from the agreement if they have been appointed as beneficiaries and the payment they receive is tax free.

    The frequency of payments can be adjusted according to the requirement. You can either opt for starting at the earliest or defer the duration as per your need.

    The best advantage of SSA is that it does not have ups and downs similar to share markets, mutual funds and bonds. The same amount will be provided to you regardless of the fluctuations in economy. The Insurance Company you have opted for stands as guarantee for the annuity issued.

    The interest added on the principal amount is exempted from every tax in Federal, local and State laws.

    The payments may come in intervals, but they are consistent, secure and offer long term. The duration can give the claimant’s family to recover from the trauma and provide ample time to think of best investment proposals. The families are prevented from financial loss due to lack of knowledge in finance.

    There are many individuals who have become disabled in accidents, with no option to go for work and they have to rely on Government grants if they have invested poorly and lost a major portion of their income.

    Usually, the payments are managed by a professional specializing in finance and court cases. The payments may be adjusted to suit the claimant’s needs. Initial payment can be started with a partial huge amount.

    Disadvantages

    Although they have proved their worth in various cases, but you cannot renegotiate (cannot borrow, defer, accelerate or change) the terms and conditions once you have opted for a particular variety in case of changes in financial conditions. Some claimants sell annuity payments for a large amount before receiving the first payment.

    You cannot get the funds at your time-of-need in case of adverse circumstances.

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    13/06/2017

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