<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Municipal Lawyers</title>
	<atom:link href="http://www.municipallawyers.com/feed" rel="self" type="application/rss+xml" />
	<link>http://www.municipallawyers.com</link>
	<description>The Online Location for Municipal Lawyers!</description>
	<lastBuildDate>Mon, 07 Mar 2011 12:15:59 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.9</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<item>
		<title>How to Sue for Up to $25,000&#8230;and Win!: Suing and Defending a Case in Municipal Court Without a Lawyer : California Edition (How to Sue for Up to $25,000and Win)</title>
		<link>http://www.municipallawyers.com/2011/03/07/how-to-sue-for-up-to-25000and-win-suing-and-defending-a-case-in-municipal-court-without-a-lawyer--california-edition-how-to-sue-for-up-to-25000and-win.html</link>
		<comments>http://www.municipallawyers.com/2011/03/07/how-to-sue-for-up-to-25000and-win-suing-and-defending-a-case-in-municipal-court-without-a-lawyer--california-edition-how-to-sue-for-up-to-25000and-win.html#comments</comments>
		<pubDate>Mon, 07 Mar 2011 12:15:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Products]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=237</guid>
		<description><![CDATA[Product Description
A California judge with over 15 years of experience on the bench shows how to sue and defend the most common types of civil lawsuits in California Municipal Court without a lawyer. Examples: personal injury, breach of contract, small business disputes, landlord-tenant disputes. Step-by-step instructions for preparing and filing all forms, gathering evidence and [...]]]></description>
			<content:encoded><![CDATA[<div><center><a href="http://www.amazon.com/How-Sue-000-Win-California/dp/0873373448%3FSubscriptionId%3DAKIAJKAWRTUACRZTGF2Q%26tag%3Dws%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0873373448" rel="nofollow"><img src="http://ecx.images-amazon.com/images/I/51JHYVDPQ4L.jpg" /></center></a><br /><center><b>Product Description</b></center></p>
<p>A California judge with over 15 years of experience on the bench shows how to sue and defend the most common types of civil lawsuits in California Municipal Court without a lawyer. Examples: personal injury, breach of contract, small business disputes, landlord-tenant disputes. Step-by-step instructions for preparing and filing all forms, gathering evidence and appearing in court are provided, along with tear-out court forms.</p>
<p><a href="http://www.amazon.com/How-Sue-000-Win-California/dp/0873373448%3FSubscriptionId%3DAKIAJKAWRTUACRZTGF2Q%26tag%3Dws%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0873373448" title="How to Sue for Up to $25,000...and Win!: Suing and Defending a Case in Municipal Court Without a Lawyer : California Edition (How to Sue for Up to $25,000and Win)" rel="nofollow"><b>How to Sue for Up to $25,000&#8230;and Win!: Suing and Defending a Case in Municipal Court Without a Lawyer : California Edition (How to Sue for Up to $25,000and Win)</b></a></div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2011/03/07/how-to-sue-for-up-to-25000and-win-suing-and-defending-a-case-in-municipal-court-without-a-lawyer--california-edition-how-to-sue-for-up-to-25000and-win.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Brother says Veera is in a very bad way</title>
		<link>http://www.municipallawyers.com/2011/03/07/brother-says-veera-is-in-a-very-bad-way.html</link>
		<comments>http://www.municipallawyers.com/2011/03/07/brother-says-veera-is-in-a-very-bad-way.html#comments</comments>
		<pubDate>Mon, 07 Mar 2011 12:11:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal News]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=236</guid>
		<description><![CDATA[Brother says Veera is in a very bad wayThai Patriots Network coordinator Veera Somkwamkid is &#8220;critically ill&#8221; and there is little time to appeal against his sentence, says his brother, Preecha.
Published Mar 6, 2011.Read more: Bangkok Post &#8211; Thailand&#8217;s English news
]]></description>
			<content:encoded><![CDATA[<div><center><B>Brother says Veera is in a very bad way</B></center><br />Thai Patriots Network coordinator Veera Somkwamkid is &#8220;critically ill&#8221; and there is little time to appeal against his sentence, says his brother, Preecha.</p>
<p>Published Mar 6, 2011.<br />Read more: <a rel='nofollow' target='_blank' href='http://www.bangkokpost.com/news/local/225152/brother-says-veera-is-in-a-very-bad-way'>Bangkok Post &#8211; Thailand&#8217;s English news</a></div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2011/03/07/brother-says-veera-is-in-a-very-bad-way.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Gold Framed/Matted Print 17&#215;23, L&#8217; Officier Municipal</title>
		<link>http://www.municipallawyers.com/2011/03/07/gold-framedmatted-print-17x23-l-officier-municipal.html</link>
		<comments>http://www.municipallawyers.com/2011/03/07/gold-framedmatted-print-17x23-l-officier-municipal.html#comments</comments>
		<pubDate>Mon, 07 Mar 2011 12:09:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Products]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=235</guid>
		<description><![CDATA[Product Description
FREE SHIPPING on this item when you purchase 2 or more Framed Art Posters from ClassicPix.com. This high quality art poster is matted and framed by our professional framers, and arrives fully assembled and ready to hang. The durable gold wood frame measures 17&#8243; x 23&#8243; &#8211; poster size is 12&#8243; x 18&#8243;. A [...]]]></description>
			<content:encoded><![CDATA[<div><center><a href="http://www.amazon.com/Framed-Matted-Print-Officier-Municipal/dp/B000PSQAQA%3FSubscriptionId%3DAKIAJKAWRTUACRZTGF2Q%26tag%3Dws%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB000PSQAQA" rel="nofollow"><img src="http://ecx.images-amazon.com/images/I/515hSJVchOL.jpg" /></center></a><br /><center><b>Product Description</b></center></p>
<p>FREE SHIPPING on this item when you purchase 2 or more Framed Art Posters from ClassicPix.com. This high quality art poster is matted and framed by our professional framers, and arrives fully assembled and ready to hang. The durable gold wood frame measures 17&#8243; x 23&#8243; &#8211; poster size is 12&#8243; x 18&#8243;. A clear plexiglass facing protects your poster and adds a lusterous shine. Posters are printed on heavy-stock, semi-matte paper producing the best possible combination of color vibrancy and durability. All posters from ClassicPix.com are produced and framed on demand one-at-a-time, just for you &#8211; not mass-produced. Our personal hands-on processing assures the highest quality. What do our customers say? &#8220;The product I received was absolutely stunning. I can not speak highly enough about the quality of this piece of art. I would not hesitate to order from them again!&#8221; (Rated by edsynth2 on 10/10/2007.) &#8220;Item arrived very quickly. Was even better than I&#8217;d hoped! Many, many thanks! Beautiful!&#8221; (Rated by skoiyase on 9/24/2007.) Each of our images is available in a variety of sizes and formats, including matted/framed posters and mounted canvas prints. To see all formats available for this image, use the search box above and enter &#8220;classicpix: Officier Municipal&#8221; (do not include quotation marks). Questions? Feel free to contact us with any question about any of our 90,000 products. We&#8217;re here to serve you, and we love hearing from our customers!</p>
<p><a href="http://www.amazon.com/Framed-Matted-Print-Officier-Municipal/dp/B000PSQAQA%3FSubscriptionId%3DAKIAJKAWRTUACRZTGF2Q%26tag%3Dws%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB000PSQAQA" title="Gold Framed/Matted Print 17x23, L' Officier Municipal" rel="nofollow"><b>Gold Framed/Matted Print 17&#215;23, L&#8217; Officier Municipal</b></a></div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2011/03/07/gold-framedmatted-print-17x23-l-officier-municipal.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Tiger bells look after cases of those who were left behind &#8211; Huang Guangyu, Foxconn case of sudden death &#8211; household appliances</title>
		<link>http://www.municipallawyers.com/2011/03/07/tiger-bells-look-after-cases-of-those-who-were-left-behind---huang-guangyu-foxconn-case-of-sudden-death---household-appliances.html</link>
		<comments>http://www.municipallawyers.com/2011/03/07/tiger-bells-look-after-cases-of-those-who-were-left-behind---huang-guangyu-foxconn-case-of-sudden-death---household-appliances.html#comments</comments>
		<pubDate>Mon, 07 Mar 2011 12:07:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Lawyers Articles]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=234</guid>
		<description><![CDATA[&#60; BR&#62; For the Chinese, New Year&#8217;s Eve 0:00 The bell is struck after entering the new year truly the New Year a new atmosphere, Tiger&#8217;s
Home Appliances
Industry will be riding on the basis of past accumulated toward another peak, which is infinite for all household appliances were expected to do. The feast days of leave [...]]]></description>
			<content:encoded><![CDATA[<div>&lt; BR&gt; For the Chinese, New Year&#8217;s Eve 0:00 The bell is struck after entering the new year truly the New Year a new atmosphere, Tiger&#8217;s<br />
<br />Home Appliances<br />
<br />Industry will be riding on the basis of past accumulated toward another peak, which is infinite for all household appliances were expected to do. The feast days of leave that can temporarily throw away the performance, disputes, lawsuits and various other troubles, time seems to be still the same thing all the sensitivities are angry holiday joy flooded, while the New Year will see the first day of work time gate has been opened, that a historical problem immediately emerge to continue to widen stretch our nerves. Breakdown of what we pull up and poured them What was the event, despite the appliance will say tiger tiger, but still kept on Bengzhuo point better.<br />
<br />&lt;BR&gt; Huang Guangyu<br />
<br />Case to trial a<br />
<br />&lt;BR&gt; 2 12, when most people live theme ran home New Year ahead of time, China&#8217;s former richest man, Huang Guangyu has so to date his indictment. On this day, the second branch of the Beijing Municipal People&#8217;s Procuratorate to the defendant<br />
<br />Gome<br />
<br />Holdings Limited Board of Directors Chairman Huang Guangyu was arrested for operating the original crime, insider trading, bribery units to the Beijing Second Intermediate People&#8217;s Court, and related co-defendants accused of other units from the second branch of the Beijing Municipal People&#8217;s Procuratorate be prosecuted. February 19, the relevant courts to the media, in the Huang Guangyu was after prosecutors formally prosecuted in accordance with normal procedures, the court formally accepted within one month trial will, in general, about 3 months last sentence, However, given the complexity of the case, the final decision may be dragged up to a year.<br />
<br />&lt;BR&gt; Comments:<br />
<br />From 2008 to the present case was a formal prosecution, the middle span of 15 months, two New Year&#8217;s bell, in numerous investigations and anti-investigation finally identified three charges to Wong Kwong Yu. Spectators for their patience has already been worn thin than the tip also the parties who may torment, and in 2009 a whole year on the progress of Huang Guangyu case mentioned by the media, no less than ten times the average every month a new topic for We are concerned about this &#8220;great.&#8221; To the high seas epic from the Suicide Supremacy, senior officials from the Ministry of Public Security removed the Lok Ma to number one province, giving a false impression seems to be exposed a corrupt 2009 per case can be attributed to the case with Huang Guangyu, people waiting to see yellow Glory of the radish what can bring out how much mud. When Tiger&#8217;s bell will ring, the indictment was filed quietly, after a month whether there will be the end result, people waiting for a big media storm.<br />
<br />&lt;BR&gt; Related Reading:<br />
<br />&lt;BR&gt; Huang Guangyu suspected illegal insider trading and other crimes Pigong Su<br />
<br />Huang Guangyu one month after the court case &lt;BR&gt; qualitative change or mitigation of the sentence<br />
<br />Huang Guangyu case &lt;BR&gt; hidden rent-seeking foreign investment approval chain<br />
<br />&lt;BR&gt; Huang Guangyu insider trading indictment against the dark<br />
<br />&lt;BR&gt; Afternoon 3:00: 7.65 million with Huang Guangyu Guo Jingyi bribery case<br />
<br />&lt;BR&gt; Afternoon 3:00: Huang Guangyu Zheng Shaodong help the cover of their own?<br />
<br />&lt;BR&gt; Pulled Pangtai Zheng Huang Guangyu case pending business networking</p>
<p>Originally published <a href='http://www.articlesbase.com/rugby-articles/tiger-bells-look-after-cases-of-those-who-were-left-behind-huang-guangyu-foxconn-case-of-sudden-death-household-appliances-2534385.html' target='_blank'>here</a>.<br />
<hr />weihua<br />
<hr /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2011/03/07/tiger-bells-look-after-cases-of-those-who-were-left-behind---huang-guangyu-foxconn-case-of-sudden-death---household-appliances.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beatting Traffic Tickets by James Hardin</title>
		<link>http://www.municipallawyers.com/2011/03/07/beatting-traffic-tickets-by-james-hardin.html</link>
		<comments>http://www.municipallawyers.com/2011/03/07/beatting-traffic-tickets-by-james-hardin.html#comments</comments>
		<pubDate>Mon, 07 Mar 2011 11:59:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Lawyers Videos]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=233</guid>
		<description><![CDATA[
Jame Hardin gives a lecture on how to beat all traffic tickets as well as a few other subjects
]]></description>
			<content:encoded><![CDATA[<div><center><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/_bO-C1YuXMU?fs=1"></param><embed src="http://www.youtube.com/v/_bO-C1YuXMU?fs=1" type="application/x-shockwave-flash" width="425" height="355" allowfullscreen="true"></embed></object></center></p>
<p>Jame Hardin gives a lecture on how to beat all traffic tickets as well as a few other subjects</div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2011/03/07/beatting-traffic-tickets-by-james-hardin.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>shex mehmod hafid selemani kurdistan</title>
		<link>http://www.municipallawyers.com/2011/03/07/shex-mehmod-hafid-selemani-kurdistan.html</link>
		<comments>http://www.municipallawyers.com/2011/03/07/shex-mehmod-hafid-selemani-kurdistan.html#comments</comments>
		<pubDate>Mon, 07 Mar 2011 11:57:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Lawyers Pictures]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=232</guid>
		<description><![CDATA[Picture taken by Kurdistan KURD ÙƒÙˆØ±Ø¯Ø³ØªØ§Ù† ÙƒØ±Ø¯Ø³ØªØ§Ù† Ø§ on 2008-07-05 23:44:28.
]]></description>
			<content:encoded><![CDATA[<p><center><img src='http://farm4.static.flickr.com/3146/2945882916_cfd997c5ed.jpg' alt='shex mehmod hafid selemani kurdistan' width='500' height='375' /></center><br /><center>Picture taken by Kurdistan KURD ÙƒÙˆØ±Ø¯Ø³ØªØ§Ù† ÙƒØ±Ø¯Ø³ØªØ§Ù† Ø§ on 2008-07-05 23:44:28.</center></p>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2011/03/07/shex-mehmod-hafid-selemani-kurdistan.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Different Types of Personal Bankruptcy. Which Bankruptcy Type Do You Qualify for, or Can Afford?</title>
		<link>http://www.municipallawyers.com/2011/03/07/different-types-of-personal-bankruptcy-which-bankruptcy-type-do-you-qualify-for-or-can-afford.html</link>
		<comments>http://www.municipallawyers.com/2011/03/07/different-types-of-personal-bankruptcy-which-bankruptcy-type-do-you-qualify-for-or-can-afford.html#comments</comments>
		<pubDate>Mon, 07 Mar 2011 11:55:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Lawyers Articles]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=231</guid>
		<description><![CDATA[
 
This essay attempts a simple outline of the different types of bankruptcy available under the banruptcy code for American debtors, and the basic procedures and process involved in a debtor filing for personal bankruptcy for legal discharge of his or her debt.
BANKRUPTCY AS A CONSTITUTIONAL RIGHT.
Personal bankruptcy is a fundamental Constitutional right. Article I, Section [...]]]></description>
			<content:encoded><![CDATA[<div>
<p> </p>
<p>This essay attempts a simple outline of the different types of bankruptcy available under the banruptcy code for American debtors, and the basic procedures and process involved in a debtor filing for personal bankruptcy for legal discharge of his or her debt.</p>
<p><strong>BANKRUPTCY AS A CONSTITUTIONAL RIGHT.</strong></p>
<p>Personal bankruptcy is a fundamental Constitutional right. Article I, Section 8, of the United States Constitution authorizes Congress to enact &#8220;uniform Laws on the subject of Bankruptcies&#8221; for the benefit of debtors who are United States citizens. Under this grant of authority, Congress enacted today&#8217;s &#8220;Bankruptcy Code,&#8221; last significantly revised or amended in 2005. The Bankruptcy Code, which is codified as title 11 of the United States Code, is the uniform federal law that governs all bankruptcy cases. Hence, bankruptcy being a fundamental Constitutional right, debtors need a cheap low-cost alternative bankruptcy system to high lawyers fees, and need to be able to afford bankruptcy without lawyers, or with lawyers. The point is that the cost and fees of filing for bankruptcy should never be made to be so high as to be a bar or hindrance for qualified American debtors who need to file for bankruptcy. Could that mean having to file bankruptcy with no bankruptcy attorney &#8211; to assure it will be low-low cost bankruptcy? Yes, maybe. Atimes, when the circumstances warrant that to make it practicable for a debtor to be able to excercise or enjoy that fundamental citizenship right.</p>
<p><strong>THE </strong><strong>BASIC PROCEDURES OF THE BANKRUPTCY PROCESS </strong></p>
<p>The procedural aspects of the bankruptcy process are governed by the Federal Rules of Bankruptcy Procedure (often called the &#8220;Bankruptcy Rules&#8221;) and the local rules of each bankruptcy court. The Bankruptcy Rules contain a set of official forms for use in bankruptcy cases. The Bankruptcy Code and Bankruptcy Rules (and local rules) set forth the formal legal procedures for dealing with the debt problems of individuals and businesses.</p>
<p>There is a U.S. bankruptcy court for each &#8220;judicial district&#8221; that has been set up in the country. Each state has one or more districts, and there are 90 bankruptcy districts all across the whole country, with each of the bankruptcy courts generally having its own Clerk&#8217;s offices.</p>
<p>The court official with decision-making power over federal bankruptcy cases is the United States bankruptcy judge; he or she is the judicial officer who presides over the given United States district court. The bankruptcy judge may decide any matter connected with a bankruptcy case, such as eligibility to file or whether a debtor should receive a discharge of debts. In realistic and practical terms, however, much of the bankruptcy process is really not &#8220;judicial&#8221; or &#8220;legal&#8221; or even &#8220;financial&#8221; at all. But is, rather, merely ADMINISTRATIVE, both in nature and content, and is conducted, in fact, completely away from the bankruptcy courthouse. In deed, in cases dealing with the chapters 7, 12, or 13 types of bankruptcy (meaning largely the personal types of bankruptcy, as opposed to corporate or business types), and sometimes in chapter 11 cases, this administrative process is carried out by someone known as a &#8220;trustee&#8221; &#8211; a person who is not a bankruptcy judge or a court officer, but merely contracted by the court is to process and oversee the case.</p>
<p>Under the bankruptcy process, a debtor&#8217;s involvement with the bankruptcy judge is usually very limited. If you are a chapter 7 debtor (see below), for example, you typically will not appear in any bankruptcy court or judge&#8217;s courtroom, nor will you ever see the bankruptcy judge ? unless, say, an objection is raised in your case by one of your creditors, an occurrence that is very uncommon. If you are a chapter 13 (see below) debtor, you would only have to appear before the bankruptcy judge at one point, only at a hearing as to the confirmation of your repayment plan. Generally, whether in a chapters 7, 12, or 13 type of case, the only formal proceeding at which a debtor is required appear or be personally present in a case, is what is called &#8220;the meeting of creditors.&#8221; Informally called the &#8220;341 meeting&#8221; because it is Section 341 of the Bankruptcy Code that mandated it, this meeting is held principally and primarily just so that the debtor&#8217;s creditors can question the debtor about their debts and property. This meeting is usually held, not in the court house or any judge&#8217;s chambers, but at usually at the offices of the U.S. trustee.</p>
<p><strong>THE </strong><strong>&#8220;FRESH START&#8221; </strong><strong>MISSION</strong><strong> AND GOAL OF THE BANKRUPTCY LAW &amp; SYSTEM</strong></p>
<p>Consistent with the original mandate of the U.S. Constitution that bankruptcy is a fundamental constitutional right, probably the single most fundamental goal and mission for which the federal bankruptcy laws are enacted by Congress, is to give debtors a financial &#8220;fresh start&#8221; from the burden of crushing debts. The U.S. Supreme Court made this point about the purpose of the bankruptcy law in a 1934 decision:</p>
<p>[I]t gives to the honest but unfortunate debtor?a new opportunity in life and a clear field for future effort, unhampered by the pressure and discouragement of preexisting debt. [Local Loan Co. v. Hunt, 292 U.S. 234, 244 (1934)].</p>
<p>For the debtor, this fundamental goal and mission becomes basically accomplished through being granted the bankruptcy discharge by the bankruptcy court, and this releases the debtor from personal liability from specific debts and prohibits creditors from ever taking any action against the debtor to collect those debts.</p>
<p><strong>HOW DO YOU FILE FOR BANKRUPTCY? </strong><strong>CAN YOU AFFORD IT?</strong></p>
<p>Before we get to the basic types of bankruptcy that may be open to you under the bankruptcy law, just a few words about this vital issue: HOW DO YOU FILE FOR BANKRUPTCY AFFORDABLY, IF YOU WERE TO WANT TO DO SO? And secondly, as a debtor contemplating it, how can I AFFORD BANKRUPTCY? Actually, under the bankruptcy law, you&#8217;re given essentially three basic options: either take a do-it-yourself approach and prepare and file the bankruptcy papers (if you know the procedures) yourself; or, if you prefer, hire a knowledgeable bankruptcy attorney (not every attorney necessarily knows squat about bankruptcy!) to file the bankruptcy for you; or, the third option, you may hire a <strong><a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.afford-bankruptcy.com/" title="Debt Relief Agency">competent Debt Relief Agency or Agent </a></strong>(also called a Bankruptcy Petition Preparer or BPP) to prepare the same bankruptcy papers for you, but at a far lesser and more affordable cost for the bankrptcy filing than the attorney&#8217;s. Hence, a debtor, should he or she so prefer, may very well have bankruptcy with no bankruptcy attorney. With the help of either a bankruptcy lawyer or a BPP (depending on which one of the methods you prefer to go with), you&#8217;ll basically need to file a petition with the court that details your creditors and how much you, or if applicable, your business, owes to them. Then, a &#8220;trustee&#8221; is appointed by the bankruptcy court to oversee your case, and he then is responsible to administer the entire process till you get your court discharge from your debts in a Chapter 7 type of bankruptcy, and/or you repay the debts, say, in a Chapter 13 type of case.</p>
<p><strong>THE BASIC TYPES OF BANKRUPTCY</strong><strong> CASES</strong></p>
<p>There are six basic types of bankruptcy cases provided for under the U.S. Bankruptcy Code ? Chapters 7, 11, 13, 12, 9, 15. These designations derive from the names of the chapters of the Code that describe them. The following are a brief description of each of these.</p>
<p><strong>CHAPTER 7</strong>. This is often called &#8220;liquidation&#8221; bankruptcy. This type of bankruptcy primarily contemplates an orderly, court-supervised procedure by which a court-appointed &#8220;trustee&#8221; takes over the assets of the debtor&#8217;s estate (to the extent that he or she has any, if at all), &#8220;liquidates&#8221; or reduces them to cash, and makes distributions of such recovered funds to creditors. The debtor is allowed to retain certain &#8220;exempt property&#8221; that will allow him the bare necessities to enable the debtor to live on even after bankruptcy. In practice, however, there is usually little or no nonexempt property left in most chapter 7 cases, and hence, there is generally NO actual &#8220;liquidation&#8221; of the debtor&#8217;s assets in the average case. These cases are called &#8220;no-asset cases.&#8221;</p>
<p>For the most part, in chapter 7 cases, the debtor who is an individual, receives a court discharge that releases him or her from personal liability for certain dischargeable debts. Discharge occurs usually just a few months after the debtor files his or her petition for.</p>
<p>You should note, however, that in 2005, certain amendments which were made to the Bankruptcy Code in 2005, called the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, require the debtor first takes a financial &#8220;means test&#8221; which is now the basic determinant of whether the individual consumer debtor qualifies to file for relief under chapter 7. If such a debtor&#8217;s income is exceeds certain income thresholds, the debtor may not be eligible to file for bankruptcy relief under chapter 7.</p>
<p><strong>CHAPTER </strong><strong>13</strong>. This is often called the &#8220;adjustment of Debts&#8221; bankruptcy for an individual with a regular income. This type of bankruptcy is designed for an individual debtor who has a regular source of income. Chapter 13 is usually preferred to chapter 7 by debtors who have some valuable asset that they need to keep, such as a house, because this type of bankruptcy enables the debtor to propose a &#8220;plan&#8221; to repay creditors their debts over time ? usually three to five years. Chapter 13 is also used by consumer debtors who do not qualify for chapter 7 relief because they do not meet the &#8220;means test&#8221; requirements. Basically, in a Chapter 13 case, the debtor works up a &#8220;repayment plan&#8221; by which he or she is to repay the debt, in part or in whole. There is then a confirmation hearing held by a judge on the proposed plan; the court then either approves or disapproves the debtor&#8217;s repayment plan, depending on whether it meets the Bankruptcy Code&#8217;s requirements for confirmation.</p>
<p>Chapter 13 is very different from chapter 7 in a few ways. The chapter 13 debtor usually remains in possession of the property of the estate and makes payments to creditors, through the trustee, based on the debtor&#8217;s anticipated income over the life of the plan. Unlike chapter 7, the debtor does not receive an immediate discharge of debts. The debtor must complete the payments required under the plan before the discharge is received. In return, the debtor is protected from lawsuits, garnishments, and other creditor actions while the plan is in effect. The discharge is also somewhat broader (i.e., more debts are eliminated) under chapter 13 than the discharge under chapter 7.</p>
<p><strong>CHAPTER</strong><strong> 11</strong><strong>. </strong>This is often called the &#8220;Reorganization&#8221; bankruptcy. Ordinarily, it is meant for and primarily used by commercial enterprises that desire to continue operating a business and to repay creditors concurrently, through a court-approved plan of reorganization. The chapter 11 debtor usually has the exclusive right to file a &#8220;plan of reorganization&#8221; for the first 120 days after it files the case and must provide creditors with a disclosure statement containing information adequate to enable creditors to evaluate the plan. The court ultimately approves (confirms) or disapproves the plan of reorganization. Under the confirmed plan, the debtor can reduce its debts by repaying a portion of its obligations and discharging others. The debtor can also terminate burdensome contracts and leases, recover assets, and rescale its operations in order to return to profitability. Under chapter 11, the debtor normally goes through a period of consolidation and emerges with a reduced debt load and a reorganized business.</p>
<p><strong>CHAPTER</strong><strong> 12</strong>. This is often called the &#8220;Adjustment of Debts&#8221; bankruptcy for a Family Farmer or Fisherman with Regular Annual Income. It provides debt relief to family farmers and fishermen with regular income. The process under chapter 12 is very similar to that of chapter 13, under which the debtor proposes a plan to repay a debtor&#8217;s debts over a period of time ? no more than three years unless the court approves a longer period, not exceeding five years. There is also a trustee in every chapter 12 case whose duties are very similar to those of a chapter 13 trustee. The chapter 12 trustee&#8217;s disbursement of payments to creditors under a confirmed plan parallels the procedure under chapter 13. Chapter 12 allows a family farmer or fisherman to continue to operate the business while the plan is being carried out.</p>
<p><strong>CHAPTER</strong><strong> 9</strong>. This is Adjustment of Debts of a MUNICIPALITY; it provides essentially for reorganization, much like a reorganization under chapter 11. Only a &#8220;municipality&#8221; may file under chapter 9, which includes cities and towns, as well as villages, counties, taxing districts, municipal utilities, and school districts.</p>
<p><strong>CHAPTER </strong><strong>15</strong>. The purpose of <strong>Chapter 15</strong>, which is entitled &#8220;Ancillary and Other Cross-Border Cases,&#8221; is to provide an effective mechanism for dealing with cases of cross-border insolvency. This Chapter 15 largely applies where a debtor or its property is subject to the laws of the United States and one or more foreign countries.</p>
<p>Finally, in addition to the above outlined basic types of bankruptcy cases, there is also the <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.afford-bankruptcy.com/">SERVICE MEMBERS&#8217; CIVIL RELIEF ACT</a>. This is the law and process of bankruptcy filing which, among other things, provides protection to members of the military against the entry of default judgments and gives the court the ability to stay proceedings against military debtors. And there also a liquidation proceedings that comes on under the Securities Investor Protection Act (&#8220;SIPA&#8221;). True, the Bankruptcy Code provides for a stockbroker liquidation proceeding. However, it is still far more likely that a failing brokerage firm will find itself involved in a SIPA.  How? Under the SIPA procedure, investors securities and cash left with failed brokerages are returned to the investors. Since its establishment in 1970 by Congress, the Securities Investor Protection Corporation has protected investors who deposit stocks and bonds with brokerage firms by ensuring that every customer&#8217;s property is protected, up to $500,000 per customer.</p>
<p><strong>FURTHER INFORMATION &amp; HELP ON FILING BANKRTCY. </strong></p>
<p>What to do when and if swimming in debt!? To learn more details about the requirements, qualifications and procedures, involved in each of the different types of bankruptcy discussed in this essay? Or, to get more specific information on how to actually <strong>file for cheap, low cost alternative bankruptcy system</strong> to high lawyers legal fees that you can well afford? Simple visit this site:<strong> <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.afford-bankruptcy.com/">www.afford-bankruptcy.com</a></strong></p>
<p> </p>
<p>Originally published <a href='http://www.articlesbase.com/personal-finance-articles/different-types-of-personal-bankruptcy-which-bankruptcy-type-do-you-qualify-for-or-can-afford-2296430.html' target='_blank'>here</a>.<br />
<hr />Benjamin Anosike, Ph.D<br />
<hr /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2011/03/07/different-types-of-personal-bankruptcy-which-bankruptcy-type-do-you-qualify-for-or-can-afford.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Lawyer in Recovery is Honored by Addiction Treatment Center</title>
		<link>http://www.municipallawyers.com/2010/08/26/lawyer-in-recovery-is-honored-by-addiction-treatment-center.html</link>
		<comments>http://www.municipallawyers.com/2010/08/26/lawyer-in-recovery-is-honored-by-addiction-treatment-center.html#comments</comments>
		<pubDate>Thu, 26 Aug 2010 20:30:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Lawyers Videos]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=230</guid>
		<description><![CDATA[
www.BrightonHospital.org Jean McGrath, a former Brighton Hospital patient and a retired Brighton addiction treatment center employee, honors a lawyer in recovery, Cornelius James Finnen, Esq. McGrath, who celebrated 41years of living in recovery on December 4, 2008, is presenting a 40 year coin to the featured speaker, a former Brighton patient in 1968, who currently [...]]]></description>
			<content:encoded><![CDATA[<div><center><object width="425" height="355"><param name="movie" value="http://www.youtube.com/v/loflDwbYVSU?fs=1"></param><embed src="http://www.youtube.com/v/loflDwbYVSU?fs=1" type="application/x-shockwave-flash" width="425" height="355" allowfullscreen="true"></embed></object></center></p>
<p>www.BrightonHospital.org Jean McGrath, a former Brighton Hospital patient and a retired Brighton addiction treatment center employee, honors a lawyer in recovery, Cornelius James Finnen, Esq. McGrath, who celebrated 41years of living in recovery on December 4, 2008, is presenting a 40 year coin to the featured speaker, a former Brighton patient in 1968, who currently resides in New Mexico. He was an Assistant to the Macomb County Prosecuting Attorney in 1971. From1971-1999, Assistant City Attorney, Albuquerque, New Mexico (retired); contiguously served 1993-1999 as Legal Advisor for Bernalillo County, New Mexico, Sheriff&#8217;s Department and as Alternate Municipal Judge for the City of Rio Rancho, New Mexico. Mr. Finnen is active with the Albuquerque Downtown Lunch Bunch, Placitas Group, Corrales Group (his home group), and The New Mexico Lawyers Concerned for Lawyers Group. Thebest drug and alcohol addiction help is what Brighton is all about. Brighton Hospital is the second oldest alcohol treatment program in the United States and the first to be licensed in Michigan . A national leader in drug and alcohol treatment and counseling services that began in the early 1950&#8217;s. Additionally, we treat addictions to meth, marijuana, pot, crack, heroin, cocaine, speed, oxycontin, coke, prescription pain pills, ecstasy, plus. Our clinics&#8217; rehabilitation treatment programs include: dual diagnosis treatment, teen and young adult, CEO, lawyer and judges recovery, 30-60-90 day recovery <b>&#8230;</b></div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2010/08/26/lawyer-in-recovery-is-honored-by-addiction-treatment-center.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Defining The Parameters Of Limitation Periods In Personal Injury Actions</title>
		<link>http://www.municipallawyers.com/2010/08/26/defining-the-parameters-of-limitation-periods-in-personal-injury-actions.html</link>
		<comments>http://www.municipallawyers.com/2010/08/26/defining-the-parameters-of-limitation-periods-in-personal-injury-actions.html#comments</comments>
		<pubDate>Thu, 26 Aug 2010 12:20:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Lawyers Articles]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=229</guid>
		<description><![CDATA[
A limitation period is a stated period of time, the expiry of which extinguishes a party&#8217;s legal remedy and forbids the commencement of a legal action. Each province in Canada has general statutes of limitations and many provincial and federal statutes contain limitation periods applicable to a variety of causes of actions. Traditionally, limitation periods [...]]]></description>
			<content:encoded><![CDATA[<div>
<p>A limitation period is a stated period of time, the expiry of which extinguishes a party&#8217;s legal remedy and forbids the commencement of a legal action. Each province in Canada has general statutes of limitations and many provincial and federal statutes contain limitation periods applicable to a variety of causes of actions. Traditionally, limitation periods have been strictly enforced. More recently, the subject of when time begins to run has received greater attention from our courts. </p>
<p>The discoverability rule has evolved fairly recently in our civil jurisprudence.1 It gives relief in certain factual situations by extending a limitation period. According to the discoverability rule, a limitation period begins to run when the material facts upon which an action is based have been discovered, or ought to have been discovered by the plaintiff through the exercise of due diligence. The effect of the rule is to postpone the running of time until a reasonable person, in the exercise of reasonable diligence, would discover the facts necessary to maintain the action.2 It is a general rule applied to avoid injustice.</p>
<p>It is now over two years since the Supreme Court of Canada upheld the Ontario Court of Appeal&#8217;s decision in Peixeiro v. Haberman. Justice Major in Peixeiro adopted Taddle&#8217;s J. A.&#8217;s statement in Fehr v. Jacob (1993), 14 C.C.L.T. (2d) 200 (Man. C.A.) at 206, which is as follows: </p>
<p>In my opinion, the judge-made discoverability rule is nothing more than a rule of construction. Whenever a statute requires an action to be commenced within a specified time from the happening of a specific event, the statutory language must be construed. When time runs from &#8220;the accrual of the cause of action&#8221; or from some other event which can be construed as occurring only when the injured party has knowledge of the injury sustained, the judge-made discoverability rule applies. But, when time runs from an event which clearly occurs without regard to the injured party&#8217;s knowledge, the judge-made discoverability rule may not extend the period the legislature has prescribed. </p>
<p>In Peixeiro the court concluded that the limitation period under the Ontario Highway Traffic Act did not start to run in a personal injury action arising out of an automobile accident until the plaintiff discovered facts that could sustain a claim that his or her injuries met the threshold under the Insurance Act. </p>
<p>Since Peixeiro, the discoverability rule has enjoyed broad application in Ontario in motor vehicle actions and actions against municipalities and the provincial crown. As such there is now a body of jurisprudence on the scope and application of Peixeiro. The purpose of this paper is to review the way Ontario courts have applied Peixeiro in the context of personal injury litigation so that the parameters of the present authorities in the area of motor vehicle actions and actions against municipalities and the provincial crown can be better understood and defined.</p>
<p>Originally published <a href='http://www.articlesbase.com/criminal-articles/defining-the-parameters-of-limitation-periods-in-personal-injury-actions-2006536.html' target='_blank'>here</a>.<br />
<hr />
<p>Jacob is a well known author who writes on the topics related to <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.sharedisabilitylaw.com/">Toronto Law Firm</a>, <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.sharedisabilitylaw.com/">Toronto Lawyers</a> &amp; <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.sharedisabilitylaw.com/disability_longterm.html">Long Term Disability Insurance</a>.</p>
<p>
<hr /></div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2010/08/26/defining-the-parameters-of-limitation-periods-in-personal-injury-actions.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Jersey&#8217;s Multiple Municipal Madness</title>
		<link>http://www.municipallawyers.com/2010/08/25/new-jerseys-multiple-municipal-madness.html</link>
		<comments>http://www.municipallawyers.com/2010/08/25/new-jerseys-multiple-municipal-madness.html#comments</comments>
		<pubDate>Wed, 25 Aug 2010 22:10:59 +0000</pubDate>
		<dc:creator>Municipal Lawyers</dc:creator>
				<category><![CDATA[Municipal Products]]></category>

		<guid isPermaLink="false">http://www.municipallawyers.com/?page_id=228</guid>
		<description><![CDATA[Product Description
A critical look at how and why the boundary lines of New Jersey&#8217;s 566 municipalities were drawn, pointing to the irrationality of these divisions. The author looks at the history and high cost of New Jersey&#8217;s multiple municipalities.
New Jersey&#8217;s Multiple Municipal Madness
]]></description>
			<content:encoded><![CDATA[<div><center><a href="http://www.amazon.com/Jerseys-Multiple-Municipal-Madness-ebook/dp/B000SBCDZG%3FSubscriptionId%3DAKIAJKAWRTUACRZTGF2Q%26tag%3Dws%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB000SBCDZG" rel="nofollow"><img src="http://ecx.images-amazon.com/images/I/51YsyMG%2Bw9L.jpg" /></center></a><br /><center><b>Product Description</b></center></p>
<p>A critical look at how and why the boundary lines of New Jersey&#8217;s 566 municipalities were drawn, pointing to the irrationality of these divisions. The author looks at the history and high cost of New Jersey&#8217;s multiple municipalities.</p>
<p><a href="http://www.amazon.com/Jerseys-Multiple-Municipal-Madness-ebook/dp/B000SBCDZG%3FSubscriptionId%3DAKIAJKAWRTUACRZTGF2Q%26tag%3Dws%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB000SBCDZG" title="New Jersey's Multiple Municipal Madness" rel="nofollow"><b>New Jersey&#8217;s Multiple Municipal Madness</b></a></div>
]]></content:encoded>
			<wfw:commentRss>http://www.municipallawyers.com/2010/08/25/new-jerseys-multiple-municipal-madness.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

