Chapter 13 Bankruptcy Law Safeguards Rights And Possessions

Consumer bankruptcy safeguards the legal rights of people who have financial problems. There are two alternatives – Chapter 7 and Chapter 13. Chapter 7 is typically best for individuals with few or no possessions to safeguard. It quickly provides them a fresh monetary beginning.

Chapter 13 bankruptcy is often best for people who do have possessions to protect – house, vehicle, retirement plan and so on. Dealing with the skilled lawyers at Boleman Law, customers create a budget-friendly monthly payment plan – for approximately 60 months – that satisfies both the court and their lenders. At the conclusion of the strategy they receive their discharge. In the meantime, as long as they fulfill their plan responsibilities, they keep their house, automobile and other possessions. In many cases they may be able to sell their house and purchase another, buy a car and make other major financial deals.

Law FirmLaw Practice Is Broadening

The law company of Allen amp; Baughman revealed the addition of lawyer Adam Barclay.

Barclay has exercised law in the Zanesville location for nearly 12 years, working mainly in the United States Bankruptcy Court, however also in general practice.

Prior to that, while in law school, he worked in various positions at the Ohio Department of Insurance coverage reporting straight to members of the Guv’s cabinet. Barclay got his law degree from Capital University Law in 2002, earned his bachelor’s degree in Political Science and History from Capital University in 1997, where he was a member of the Phi Alpha Theta honors fraternity for History, and is a 1993 alumnus of Zanesville High School.

Barclay belongs to the Ohio State Bar Association, Muskingum County Bar Association, Columbus Bar Association and the National Association of Consumer Bankruptcy Attorneys (NACBA). He is wed to lawyer Kathy Barclay, with whom he has 2 children, who are active in soccer and dance. He belongs to the board of directors for Muskingum Starlight Industries, former President of the St. Luke Lutheran Church Council, and present member, and the previous vice president of, the board of the Muskingum Memorial Performance Band.

Barclay represents clients in business, genuinerealty, probate and estate planning, and will certainly broaden the company’s present basic practice to consist of legal services in the locations of bankruptcy-related matters and personal injury.

Lawyer Jillian Von Gunten signed up with the company in October 2012, after working for Allen amp; Baughman for three years as she attended law school. A lifetime citizen of Zanesville, Von Gunten finished with honors from Capital University Law School, made her Bachelor’s Degree at Muskingum College, and is an alumnus of Rosecrans High School.

Von Gunten is a member of the St. Thomas Aquinas Catholic Church and functions as President of Zanesville Community Theatre. She belongs to the Ohio and Muskingum County Bar Associations, and serves as secretary for the Perry County Bar Association. She practices mainly in the areas of Domestic Relations, Property, Municipal Law and Probate and Estate Planning. Jillian is also a certified Ohio Title Insurance coverage Agent, and works routinely in the firm’s ABC Title Agency, LLC.

Partners John R. Allen and Jan Allen Baughman welcome Barclay to the firm, and are particular he will bring an incredible contribution of knowledgeable and checked legal capability to enhance the ability of the company to provide high quality legal services to its customers, as has Von Gunten over the previous 3 years. The company anticipates assisting both current and brand-new clients with their legal matters. Office hours are 8:30 am to 5 pm, Monday through Friday. To set up an appointment, please call 740-450-7950.

Legal Representative Wins $2 Million Decision In RESPA Case Against Home Mortgage Servicer

The six (6) day federal trial concluded on April 20, 2015 in Chicago, Illinois at the Everett McKinley Dirksen United States Court Residence. The jury, after pondering for roughly two hours, identified that RCS breached the loan modification contract, breached RESPA for failing to adequately reactreact to Hammer’s Qualified Composed Request, and dedicated both unreasonable and misleading acts in infraction of the Illinois Consumer Fraud Act. Alena Hammer was granted $500,000 in offsetting damages and $1,500,000 in compensatory damages. Nicholas Heath Wooten, Esq., Ross Michael Zambon, Esq., and Mara Ann Baltabols, Esq. led the litigation group on behalf of Hammer. Each lawyer is a student of the nationally renowned and respected North Carolina attorney, O. Max Gardner III, and each is a graduate of his highly well-known Customer Bankruptcy and Litigation Bootcamp.

The result of this trial ought to come as excellent news to all customers who have actually had problem with aggressive home loan servicing methods throughout the ongoing monetary crisis. The litigation team was precise and systematic in its litigation strategy, and had the ability to acquire a compensatory damages award for Hammer and against RCS – an award that is meant to punish and discourage future misconduct – under the Illinois Customer Scams Act.

SOURCE: Source: Sulaiman Law Group

Founded in 2005, Sulaiman Law Group Ltd. is a consumer litigation company in Oak Brook, Illinois that concentrates on foreclosure defense, bankruptcy, FDCPA, TCPA, FCRA, and other consumer fraud cases. (

This material was not produced by The source of this press release is noted above.

State Asks For More Time For Lawmakers To Abide By McCleary Education …

A little group of demonstrators base on the steps of the Temple of Justice and in view of the Legislative Structure as they promote for more state spending on education prior to a hearing before the state Supreme Court Wednesday, Sept. 3, 2014, in Olympia, Wash. The court purchased legislators to explain why they have not followed its orders to repair the way Washington spends for public education.


Group Salutes Lawyer’s Customer Advocacy

AMHERST– An Amherst bankruptcy lawyer who exposed a judge after he sent a septuagenarian South Hadley guy to prison for failing to pay a $508 debt is being recognized for reporting his actions.

Greta LaMountain Biagi earned the K. Colleen Nunnelly Award from the National Association of Customer Bankruptcy Attorneys at its yearly convention in Chicago last week. The award was presentedexisted for making contributions that exceed and beyond the legal career in the interest of helping a person.

Last June, LaMountain Biagi reported seeing Iheanyi Daniel Okoroafor, a 73-year-old African immigrant, transported off to prison from little claims court when he was found in contempt of court. He was sentenced to Thirty Days in jail, though just invested 12 hours in custody before being bailed by his child.

LaMountain Biagi recounted her stories to publications, consisting of the Daily Hampshire Gazette and Boston World, stating it was unjust to have people go to prison without due procedure or for failing to pay debts.

“This was more outright because he really appeared and testified to his failure to pay,” she stated, including that the large bulk of this debtor’s earnings was comprised of a state pension that he could not utilize.

Large Low CompanySmall Company Funding Expo Pertaining To San Diego

San Diego, California (PRWEB) May 07, 2015

Many of today’s small company owners utilize their cash on-hand to reinvest in their daily operations. When somebody begins a brand-new company, they need money to get it off the ground.

At “Here’s the Cash!” Access to Capital Business Expo, taking locationhappening on Saturday May 30, businessentrepreneur will certainly learnfind out about various sources for funding and how to discover, handle, and grow their business capital.

The occasion consists of:

  • Networking Breakfast
  • 6 Workshops To SelectPick from (Funding Options for Start-Up Companies, Funding Stragies for Existing Businesses, Marketing Approaches, Alternative Financing, Your Resource Partners, The Fact About Running A Little Business)
  • Company Luncheon
  • Small Company Exposition
  • Loan Pavilion

This occasion brings education, resources, and company development opportunities to brand-new, existing and growing businesses throughout San Diego. states Jules Dalsey, the founder of the online company financing marketplace Quote 2 Fund. Were pleased to partner with the VEDC in supplying a pathway to access the capital that businesses need to grow.

The expo will certainly run from 8 am to 3 pm and will certainly take location at the DoubleTree by Hilton San Diego situated at 7450 Risk Center Drive, San Diego, CA 92108.

State Chiefs Desire Congress To Act On Critical Law In American Education …

We teach our students how a costs becomes a law. We teach them about accountability and deadlines. We encourage them to be excellent leaders.

Now, our students requirehave to see these lessons used in Congress.

The foundation federal law in American education, the Elementary and Secondary Education Act, expired eight years earlier. For almost a years, we have waited for Congress to act and reauthorize this essential law, however today, our schools deal with unpredictability about future federal policy.

While we make every effort to make progress every day in education at the state and local levels, we keep bumping up versus a stagnant, outdated federal law. This isn t fair to the 50 million kids we are teaching in class across this nation.

Our children just have one opportunity at an education, and we are shortchanging a whole generation because of Congress inactiveness. States need a steady federal education policy in location, one that fosters the change and development currently occurring in each of our states.

For the past 8 years, states have been resourceful to attempt and satisfy students needs, despite this out-of-date law. Many of us have actually gotten short-term waivers from parts of the law, or we discovered other workarounds. But none of these choices are composed in law. They are all subject to alter based on who is in office, leaving us to wonder what will happen this year, or the next. Exactly what takes place when a new president comes into workplace?

Congress can act this year and offer us this stability we require to move on and do exactly what s best for kids. The HomeYour house has a bill on the floor, and the Senate s education committee simply unanimously authorized outstanding bipartisan legislation. Both of these expenses consider exactly what we, as state education leaders, have been requesting for from Congress for years.

We understand the outcome might not be a perfect costs no expense ever is. What we desire is a good expense, a costs that holds states accountable for results, but provides versatility in how we work with our instructors and regional schools to reach those results. States desirewish to be liable for the outcomes of our students, and we comprehend that for many low-income and minority students the present system is not working. This bill has to assist states as they handle these difficulties. Our students can not wait another year; we need to update this law during this Congress.

Through our organization, the Council of Chief State School Officers, we advanced our clear top priorities for exactly what we need to see in a reauthorized Elementary and Secondary Education Act. We should maintain yearly assessment so every youngster gets a scholastic examination at least as soon as a year of how they are fulfilling the objectives we have actually set for them. However as state chiefs, we thinkour team believe states need to identify the standards those tests procedure and exactly what we finish with those outcomes.

DBA International Offers Webinar On Comprehending The New Threats In The …

That decision permitted an FDCPA claim to continue against a financial obligation purchaser on the basis that it had submitted an evidence of claim on a debt which underwent an ended statute of limitations. Although not all courts concur with Crawford, the choice has actually resulted in sequel litigation throughout the country.

Aside from litigation, a recent $50 million Department of Justice settlement with a big nationwide bank over its customer bankruptcy practices suggests a growing governing interest in lender activity in consumer bankruptcy cases.

This live webinar will certainly:

  • Talk about the evolution of “Crawford-type” claims and where they are proliferating
  • Examine how certain occasions in a bankruptcy case can restrict or snuff out liability for Crawford-type claims
  • Talk about how the bankruptcy asserts process is used to exact awards of lawyer’s charges and damages versus lenders without a claim ever being filed
  • Provide pointers to strengthen your bankruptcy claims process
  • Highlight current efforts by DBA International in support of financial obligation buying companies who participatetake part in the bankruptcy declares procedure

This course certifiesgets one and a half (1.5) credits for those individuals seeking or restoring their Qualified Receivables Compliance Expert (CRCP) classification through DBA International.

Sponsored by Stenger amp; Stenger, this 90-minute webinar functions lawyers Tom Dominczyk, Alan Hochheiser and Don Maurice who will examine current suits brought against debt purchasing business considering that Crawford, and the current activities of the CFPB and the Department of Justice directed at customer bankruptcy cases.

Members and non-members can sign up for Understanding the New Dangers in the Bankruptcy Claim Process webinar at

About DBA International

DBA International (DBA) is the nonprofit trade association that represents more than 575 companies that buy carrying out and nonperforming receivables on the secondary market. DBA’s Receivables Management Accreditation Program and its Code of Ethics set the “gold requirement” within the receivables market due to its strenuous uniform industry standards of best practice which concentrate on the defense of the customer. DBA provides its members with extensive networking, instructional, and business property development chances in possession classes that extend many markets. DBA continually sets the requirement in the receivables management market through its extremely reliable grassroots advocacy, conferences, committees, taskforces, publications, webinars, teleconferences, and breaking news alerts. Established in 1997, DBA International is headquartered in Sacramento, California.

Reconnecting On Education

It’s no trick that the American instructional system today lists under the weight of some huge, relatively intractable burdens such as poor college preparation, modest achievement results compared to other nations, high dropout rates, substantial teaching and performance variations throughout racial and socioeconomic backgrounds, and a deficit of graduates geared up with the necessary abilities for tomorrow’s labor force.

Experts state this crisis is triggereddued to an extensive disconnection, whether in between various academic levels, between schools and communities, or in between education and social institutions. Such disconnections can undermine the country’s competitiveness, increase social inequality, and lessen well-being and results associated with health, income, as well as social engagement. It’s an immediate scenario, and experts state fresh academic methods are urgently needed to address it.

To begin strategizing the task at hand, the Harvard Graduate School of Education (HGSE) held an unique Askwith Online forum panel last Thursday hosted by Fernando Reimers, EdM ’84, EdD ’88, the Ford Foundation Teacher of International Education and director of HGSE’s International Education and International Education Policy Program, to think aboutto think about how to make education more pertinent, the best ways to get schools to be better at reaching their goals, and whether those goals are, in reality, the suitable ones.

The talk belonged to a multi-day, think tank-style gathering, “Education for the 21st Century,” organized by the Advanced Leadership Effort (ALI) with professors from across Harvard, together with nationwide and worldwide specialists, instructors, and students. Thursday’s panel featured some of Harvard’s top professionals in the realms of management, strategy and facilities, sustainable development, spiritual pluralism, and public health education, who determined a few of the greatest international challenges and offered ideas of what it will require to recalibrate how schools prepare students to face and confront them.

Since the obstacles are huge and diverse, and involve lots of stakeholders, education needs to adapt and enter into the “analytical era” where active knowing that relates to a student’s neighborhood replaces old modes of “received knowledge,” stated Rosabeth Moss Kanter, who holds the Ernest L. Arbuckle Professorship at Harvard Company School (HBS) and is the ALI chair and director.

“We needhave to have education be about addressing real issues” so that students “see it leading to something; they’ll feel a sense of efficacy and proficiency, and we will certainly have the ability to tap all this skill and idealism … to solve these huge issues,” said Kanter. “After all, they’re going to acquire the Earth; we ought to engage them now in making it a much better place.”

Guaranteeing sustainability meanses that identifying basic core possessions like natural capital of air, land, and water; human capital of people’s ability, health, and education; digital and difficult infrastructures such as roadways and bridges; and intangible capital of social connectedness, institutional trust, and understanding that needs to be built up or retained so it is offered to future generations, stated William Clark, Harvey Brooks Teacher of International Science, Public law, and Human being Development at Harvard Kennedy School (HKS).

Historians today grapple with questions about “asset management”: “How do we decide what to weigh and which compromises are best to make long term?” he asked. To start, students have to learn how to question the condition quo, thinkthink of how global connectivity produces side impactsadverse effects and unintended consequences that require expansive thinking, and desert concepts of rugged individualism or paralysis in the face of institutional power.

The unmatched migration of people from one part of the globe to another has triggered immediate questions in numerous countries, including the United States, about how individuals must deal with ethnic, racial, cultural, gender, and spiritual diversity, and the function that education should play.

“The truth that students could go through an entire 12 years of education and not understand if an imam was an individual, place, or thing is truly one of the things that needshas to alter and has started to alter,” stated Harvard Divinity School Teacher Diana Eck, who studies religion in India and heads the Pluralism Project, which looks at the spiritual effect of migration in the United States. “It’s crucial is essential to have some understanding of the religious traditions of the peopleindividuals with whom we share our planet.”

“Pluralism isn’t simply variety. Variety is a reality across society; pluralism is something we have to accomplish,” stated Eck. “How do we cohabit in some favorable method with distinction? And unless we can address that problem in various societies, we’re in problem.”

Provided the broad, interdisciplinary nature of public health, in addition to the personal and communal results it has on human wellness, students can always find something to embrace, whether it’s the move toward clean air and water, establishing healthy eating practices, or putting on bike helmets.

“Public health is a lot more than exactly what a physician does for you in a doctor’s workplace,” stated Howard Koh, professor of the practice of public health leadership and director of the Leading Change Studio at the Harvard TH Chan School of Public Health. Koh acted as assistant secretary for health in the US Department of Health and Human being Services from 2009 to 2014.

Health and education have a direct relationship because public health is ever present. “I likeprefer to state health beginnings where individuals live, labor, learn, pray, and play,” he said.

But altering American education to face these troubles will certainly require a broad coalition and brand-new approaches, the panelists said.

Schools first needhave to figure out exactly what matters and after that help individuals to establish going along with abilities, said Reimers, who co-chairs the ALI with Kanter. “The instruments that we utilize to define success for our students and to give them feedback on success are so blunt and so imperfect,” he stated, that they don’t tell individuals much about exactly what will certainly be required to help them lead an excellent life.

Clark said the biggest difficulty facing most nations is finding out which institutional structures will be pertinent and reliable in the coming years to aid common decision-making. “We do not know the best ways to shape common purpose,” he stated. If modifications can’t be made through existing organizations, developing brand-new ones will certainly require a reassessing of highercollege and its role within the neighborhood.

“I’m really struck … by how interested individuals appear to be in the pluralism, addition, variety– how we build common function and one sense of neighborhood,” said Kanter. “I’m extremely struck by that and alsoas well as very urged since … we knowwe understand this is exactly what we require. More divisiveness and partisanship isn’t going to get us anywhere on these problems.”

Why Not Tummy Dance In The Library?

Here is my email address mtcoombs@mcarthur.lib.

There are most likely some gasps out there. My e-mail is easily available on the library web site, so I am going to take my possibilities. Heres the important things, I like libraries. Considering that 1993 Ive spent most of my life in them surrounded by books and great individuals. Aren’t I fortunate? Well, citizens of Biddeford, you are too. McArthur Library exists for one primary factor, to supply services to the community of Biddeford. And exactly what a wonderful community.

Now I am going to inform you about four cool things that are coming up at your library. Kindly check out to the end of the article, there is a method to my madness.

Free Film Friday. The last Friday of every month we will screen a film in the neighborhood space. We supply the popcorn, lemonade and film, all you have to do is revealappear. This month is a household friendly movie since the last Friday falls throughout school holiday week. It is one of my favorite movies. We cant promote it too much due to the fact that of the licensing rights, but I will provide you a suggestion hellip; lets go fly a kite! Just a spoon completepacked with sugar assists the medicine go down.

Author Carl H. Johnson will be at the library at 6:30 pm Tuesday, April 28 to discuss his book about the Boston Red Sox. The book is called From Beards to Beer and it talks about the 2011 through 2013 baseball period. You must certainly come if you would such aswish to hear a guy from Sanford talk about his book and baseball. Ive talked to him numerous times and he really likes baseball.

We are grateful to have legal representative Jennifer G. Hayden see the library on May 1 for Maine Law Day. This is a fantastic statewide task that offers individuals access to legal info. Hayden focuses mostly on Chapter 7 and Chapter 13 consumer bankruptcy cases, but also has a background on defense of the poor and handicapped. Lawyers volunteer their time to present to groups or perhaps meet separately with folks. Information about the task can be discovered at

Last butLastly we have Heather Powers right here at 10 am on Saturday, May 2 to teach a belly dance workshop. The focus of the day is to have enjoyable. The session will certainly begin with a warm-up and cover numerous of the basics of the dance, muscle isolations, posture, activity and more.

Program ideas originate from all over. We have an excellent staff member who has actually just recently been working to make our health collection a bit much better. She asked Can we hold a stomach dance workshop in the library? Why not tummy dance in the library.

Thank you for reading to the end. Heres why I included my e-mail address so you can send me YOUR concepts for programming. Biddeford, McArthur Library is your library. Whether it is belly dancing, performances, birds or books, let me deciding how we can improve your life.

Events at the library are complimentary and open to the general public, so join us for these fantastic programs or claim new ones. Try to find details of our next Lunch and Learn, Book Club or one of our lots of, numerous fantastic childrens programs.

Melanie Taylor Coombs is adult services manager/ curator at McArthur Public Library on Main Street in Biddeford.