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Consumers beware! Llc Attorney Near Me in Johannesburg did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor’s bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

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This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Corporate Attorney Near Me guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

The 4 Consumer Rights

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The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

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There are reliable, capable and honest people who work as contractors and lawyers, Consumer Law Attorney Free Consultation but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

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My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

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Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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A lawyer who specializes in civil law is known as a civil lawyer. Civil law has many fields including business laws, corporate laws, intellectual property laws, family laws, personal injury laws, probate laws, real estate laws, tax laws, etc. Civil law is a branch of law dealing with disputes between individuals and/or organizations, in which compensation may be awarded to the victim. A civil lawyer not only represents the client in a legal proceeding but also provides legal advice to the client in civil transactions.

Civil law encompasses all law that is not criminal law. Civil law seeks to resolve non-criminal disputes such as disagreements over the meaning of contracts, property ownership, divorce, child custody, and damages for personal and property damage. Civil lawyers handle lawsuits that involve individuals, businesses, and even the government.

There are no special qualifications for becoming a civil lawyer. Like all lawyers, they must have a JD degree from an American Bar Association accredited law school and must have cleared the state bar exam. Before a lawyer can practice in a state, he must pass the state bar exam.

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If you've received a letter or phone call from a debt collection law firm, don't panic. Many people have fallen on hard times and their phones are ringing off the hook with bill collector calls. It is one thing to have to talk to the normal collection agencies but what do you do when your contacted by a debt collection law firm? The first thing you should do is stay calm. Receiving a debt collection letter from a law firm does not necessarily mean that you are being sued.

About 5% of bad debts are sent out to attorneys who collect debts. These types of debt collectors must follow the requirements of the federal Fair Debt Collection Practices Act (FDCPA) just like any other type of debt collector. Your first contact with a debt collection law firm will most likely be just like the normal collection procedures. It starts with collection letters and phone calls. This usually happens before any litigation is initiated.

It is important to be sure that the law firm is not breaking the law when it contacts you. The FDPCA protects consumers from harassment over a debt, so if you feel that you are being harassed talk with an attorney. There have been many cases where collectors, including law firms that collect past due debts, have been found guilty of illegal collection practices and harassment. In those cases, the consumer involved in the lawsuit has been the winner in the end.

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Cheap Attorneys Near Me Rivonia

Consumers beware! Cheap Attorneys Near Me in Rivonia did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor’s bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

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This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Contract Lawyer Near Me guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

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The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

What It Takes To Be A Lawyer?

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There are reliable, capable and honest people who work as contractors and lawyers, Consumer Attorneys Of America but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

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My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

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Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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Have you ever wondered where all these somewhat confusing terms came from? Well the answer is they are all types of Lawyers originated from various legal systems. Some of the terms are from the English legal system, some are from Scotland and some from the American legal system.

An Attorney is somebody legally empowered to represent another person, or act on their behalf.

A Lawyer is somebody who can give legal advice and has been trained in the law.

Are Attorney and Lawyer are synonyms? Basically yes, but they are not necessarily Interchangeable terms, you cannot for instance say I give you the Power of a Lawyer, but you definitely might say I give you the power of Attorney...

Look again at the above definitions, does it now make any sense? Off course it does.

An attorney in fact is an agent who conducts business under authority that is controlled and limited by a written document called a letter, or power, of attorney granted by the principal. An attorney at law is an officer of a court of law authorized to represent the person employing him (the client) in legal proceedings.

A Solicitor- One that solicits, especially one that seeks trade or contributions. The chief law officer of a city, town, or government department but does not act as an advocate in court, as opposed to the Attorney who pleads in court. (English Law).

A Barrister(Called Advocate in Scotland) presents the case in court. Most senior and distinguished barristers are designated King's (Queen's) counsel.

Most lawyers are found in private practice, where they concentrate on criminal or civil law. In criminal law, lawyers represent individuals who have been charged with crimes and argue their cases in courts of law. Attorneys dealing with civil law assist clients with litigation, wills, trusts, contracts, mortgages, titles, and leases. Other lawyers handle only public-interest cases--civil or criminal--which may have an impact extending well beyond the individual client.

These issues might involve patents, government regulations, and contracts with other companies, property interests, or collective-bargaining agreements with unions.

Other lawyers work for legal-aid societies--private, nonprofit organizations established to serve disadvantaged people. These lawyers generally handle civil, rather than criminal, cases. A relatively small number of trained attorneys work in law schools.

The real life situations have created "specialties" according to business profitability. This is how terms like Vioxx Lawyer, DUI Lawyer, Lemon Law Lawyer , Structured Settlements Lawyer and others came about.

Additional Information:

www.Lawyers-Best-Infoweb.com

Florida Bankruptcy Lawyers

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If you are a practicing attorney: Are you using Defense by Recoupment under 15 U.S.C. 1640(e) as a strong affirmative defense for your clients?

If you are a consumer: Have you had your loan (from day of application to current) audited by a forensic consumer debt analyst?

I get a fair amount of "conspiracy theory " calls or emails people who would swear that the CIA was covertly involved in the loan they signed for and that all measures of fraud occurred against them by everyone involved and... you get the point. My first question to this person is always: "Great, so are you prepared for the $15,000+ retainer a good attorney is going to want to spend their time investigating, quantifying, pleading and trying a case like that? Well, you know the answer...

Others have read (or have heard) that a loan audit and violations of the TILA can only help you if it's a refinance loan on a primary residence in the last three (3) years. To have the EXTENDED RIGHT TO RESCIND, these conditions must be in place but rescission isn't the only thing that can help someone in (or in danger of) foreclosure.

When it comes to defending yourself against foreclosure the first order of business is to establish clear and genuine issues of material fact in the case. In a Florida foreclosure defense strategy, the client wants to quantify these genuine issues of material fact in the foreclosure case because no judge should ever grant a motion for summary judgment. Why?

Any such quantified claim of a violation of the TILA (Truth in Lending Act) from an expert audit report should be brought as an affirmative defense by the attorney. This is a rock solid issue of material fact. No summary judgment. The lender will have to bring the action all the way through to trial. This should give you much greater leverage to obtain a workout. At the very least, this give you/your client much greater time in the house and time to try to work something out that works for both parties; something that is much needed these days because I still see a great deal of servicer abuse/misprepresenations happening every single day.

I hope this little insight gives you some ideas on how you can help yourself in a foreclosure case. If you want more information on forensic loan audit, please call me at (800) 985-4685 ext. 2 or by email at Lane@thePatriotsWar.com

© Lane A. Houk - 2009- All Rights Reserved

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Consumers beware! Best Attorneys Near Me in Sandton did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor’s bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

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This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Business Attorney Near Me guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

How to Change Lawyers Mid-Case?

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The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

The Many Benefits Of Being A Lawyer

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There are reliable, capable and honest people who work as contractors and lawyers, Attorney At Law Near Me but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

Affordable Business Lawyers

My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

Top Business Law Lawyer Costs

Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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If you are finding it difficult to work with your lawyer or are not satisfied with his work for any reason, you need not worry as you have the absolute right to replace him/her with a more competent one in the middle of an ongoing case. In fact, you are even entitled to change him/her mid-case without any reason. Thus, not considering the reason for the replacement in the middle of the lawsuit, your attorney has to agree with your decision.

The Process Involved

- Soon after you discharge your legal representative or file a request for the same, he/she is required to follow local procedures and notify the local court about the discharge.

- Once the formalities are completed, the court will allow the change, after which you can hire a new legal representative who is competent enough to represent you well.

3) Take the decision as soon as you realize that your professional relationship with him/her cannot work out well. This is because if you try for the replacement just a few days before some important case hearing, you might regret your decision later.

4) Make sure you provide your new attorney with the contact details of the old one, who was previously handling the case.

However, as you are solely responsible for your own legal affairs, it is up to you to decide whether a change of lawyer mid-case is feasible for your case. Such changes can have both positive, as well as negative effects on the case. It is, therefore, in your own favor to analyze the potential consequences before taking any decision.

The National Association of Consumer Bankruptcy Attorneys - Things You Should Know

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When a company or an individual is unable to repay a loan, the individual or the company is considered to be bankrupt. Sometimes companies incur heavy financial losses. For example, a printing firm gets 80 percent of its total income from a single publisher. If the publisher diverts its order to a different company, the printer loses a large portion of its total income. The printing firm becomes bankrupt.

Bankruptcy involves two parties: the debtor and the creditor. The debtor is the party in debt, who owes money to the creditor. A debtor can be a company or an individual. The creditor is an organization or individual to whom the debtor owes money. Most bankruptcy cases involve several creditors. There are basically three types of bankruptcy.

After this, on the direction of the court, the trustee sells all of debtor's non-exempt assets for the benefit of the creditors. Finally, the debtor is discharged and all debts, with some exceptions, are written off. http://www.floridabar.org, the official web site of the Florida Bar Association (the regulatory body of all practicing lawyers in the state), publishes several pamphlets, including one entitled `Bankruptcy,' for the general public. The website also has a lawyer referral service to locate Bar-Certified bankruptcy lawyers in Florida.

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Consumers beware! Contract Attorney Near Me in Boksburg did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor’s bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

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This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Corporate Law Firms Near Me guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

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The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

Foreclosure Rights - Defense by Recoupment in a Foreclosure Case

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There are reliable, capable and honest people who work as contractors and lawyers, Consumer Fraud Attorney but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

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My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

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Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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When you see all these handsome Lawyers in TV series like LA Law, sitting in their fancy offices, driving these flashy cars, have you ever realized what they have been through in terms of time, years of education, money, certifications, etc...

Let me Describe to you the Lawyers course of training. Formal educational requirements for lawyers include a 4-year college degree, 3 years in law school, and the passing of a written bar examination.

Competition for admission to most law schools is intense. prospective lawyers should develop proficiency in writing and speaking, reading, researching, analyzing, and thinking logically--skills needed to succeed both in law school and in the profession.

Regardless of major, a multidisciplinary background is recommended. Courses in English, foreign languages, public speaking, government, philosophy, history, economics, mathematics, and computer science, among others, are useful. Students interested in a particular aspect of law may find related courses helpful. For example, prospective patent lawyers need a strong background in engineering or science, and future tax lawyers must have extensive knowledge of accounting.

The practice of law involves a great deal of responsibility. Individuals planning careers in law should like to work with people and be able to win the respect and confidence of their clients, associates, and the public. Perseverance, creativity, and reasoning ability also are essential to lawyers, who often analyze complex cases and handle new and unique legal problems.

Lawyers held about 695,000 jobs in 2002. About 3 out of 4 lawyers practiced privately, either in law firms or in solo practices. Most of the remaining lawyers held positions in government and with corporations and nonprofit organizations.

(Source: http://www.bls.gov)

For Additional information:

  • www.Lawyers-Best-Infoweb.com
  • How to Change Lawyers Mid-Case?

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    Many people are not the biggest fans of their own jobs, they become to hate it more and more or simply get bored of sitting in a dead end job with no prospects. A career change can be daunting as it requires a lot of time, effort and often money. A complete career change might mean that all previous experience or qualifications become useless and transferring to a career such as Law might make you think you need to go back to university.

    Its actually relatively simple to embark on a career in Law if you have a degree, it is possible to convert that qualification to law by undertaking a one year Common Professional Examination (CPE) or Graduate Diploma in Law (GDL). Around 30% of trainee solicitors do not have a law degree and have followed alternative paths to a career in Law.

    Once you have converted a qualification you can then undertake a one year Legal Practice Course which is the final step before becoming a legal professional. On becoming a solicitor/ barrister you will be required to take a two year 'training contract' which involves work based learning and is similar to the apprenticeship scheme. Overall it will take four years to become a lawyer without a legal degree, two of which are paid and the other two can be extended to study part time.

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    How to Change Lawyers Mid-Case Business Attorney Near Me ?

    If you are finding it difficult to work with your lawyer or are not satisfied with his work for any reason, you need not worry as you have the absolute right to replace him/her with a more competent one in the middle of an ongoing case Business Attorney Near Me  in Kempton park. In fact, you are even entitled to change him/her mid-case without any reason. Thus, not considering the reason for the replacement in the middle of the lawsuit, your attorney has to agree with your decision.

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    The Process Involved

    – Soon after you discharge your legal representative or file a request for the same, he/she is required to follow local procedures and notify the local court about the discharge.

    – Once the formalities are completed, the court will allow the change, after which you can hire a new legal attorney representative who is competent enough to represent you well.

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    3) Take the decision as soon as you realize that your professional relationship with him/her cannot work out well. This is because if you try for the replacement just a few days before some important case hearing, you might regret your decision later.

    4) Make sure you provide your new attorney with the contact details of the old one, who was previously handling the case.

    The FDCPA Provides Important Consumer Protections

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    However, as you are solely responsible for your own legal affairs, it is up to you to decide whether a change of lawyer mid-case is feasible for your case. Such changes can have both positive, as well as negative effects on the case. It is, therefore, in your own favor to analyze the potential consequences before taking any decision.

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    Divorce means the legal dissolution of marriage. Divorce is usually one of the most traumatic experiences in a person's life. Apart from being stressful and painful, a divorce proceeding may also prove to be an extremely costly affair. Very often, people going through a divorce do not have sufficient resources to hire an expensive lawyer. Many lawyers in the US specialize in divorce and annulment. Money plays a vital role in the selection of a good divorce lawyer. For many people, an affordable divorce lawyer is one who charges the least amount to represent them in their divorce case.

    Many people are unable to pay for these legal services. Most states in the US have legal aid services that offer discounted legal services. They also offer free services to people who are incapable of hiring a lawyer to plead their case.

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    The following are six main points that highlight the functions of a lawyer.

    1) Representation of clients in court - especially when charges are leveled against the client by a third party such as the state or another person concerning crimes or criminal actions allegedly taken by the client. Otherwise, the lawyers draw up papers against an offender who is believed to have violated the rights of the client, and stands for the client in court.

    2) Drafting of papers and doing legal research on behalf of the client - such as in the writing of briefs and research into relevant facts concerning a particular case. Most of the hard work is done by the lawyer, while the clients merely need to show their face.

    5) Executing the last wishes of the deceased - such as a written will stating their precise desires in black and white, a trust, etc. The lawyer helps to see to it that these wishes are carried out to the letter.

    6) Prosecution of criminal suspects in court - this is applicable if the lawyer is working for an arm of government, say the Police Department, the Department of Justice, or the District Attorney's Office.

    What's the Difference Between: A Lawyer, Solicitor, Advocate, Barrister, Counselor, and an Attorney?

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    When consumers get in over their heads financially, they may become the victims of harassing phone calls from overzealous debt collection agencies. These agencies often practice other unscrupulous tactics that are illegal. The Fair Debt Collection Practices Act (FDCPA) was passed in 1978 to protect consumers from abusive and harassing behavior by debt collectors. The Federal Trade Commission (FTC) enforces the FDCPA, but has been lax in its enforcement duties. Fortunately, where the FTC refuses to act, there are provisions within the FDCPA that permits private enforcement.

    What Practices Are Prohibited by the FDCPA?

    The FDCPA prohibits debt collectors from using unfair collection practices to collect consumer debts from consumers. This federal law states that collection agencies are not allowed to:

    • Call consumers before 8 a.m. or after 9 p.m. local time

    • Call after a consumer has requested that they cease all contact with you

    • Lie to consumers about the actual balance owed on their account

    • Use threatening or obscene language, including racial slurs and taunts

    • Threaten consumers with being arrested and locked up in jail

    Consumer Rights Attorneys Can Enforce the FDCPA

    Consumers that have fallen behind in their payments don't need to be subjected to collection threats, harassment, or abuse. Consumers have a right to be treated fairly during the often unpleasant experience of debt collection. But, debt collectors who violate the FDCPA can be penalized up to $1,000 in a consumer lawsuit. This penalty is known as "statutory damages" and would ordinarily belong to the consumer. Statutory damages are supposed to act as a deterrent against unlawful debt collection. There are other remedies provided by the FDCPA such as the payment of attorney's fees and costs. These are designed to permit consumers to attract competent attorneys to take their case without the fear of large fees and costs.

    If you have been the victim of harassing phone calls or letters, please contact us today so that we can help by putting an end to it. We are very experienced in the field of fair debt collection practices, and we regularly file a FDCPA lawsuits against debt collectors alleged to violate fair debt collection laws.

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    Property Attorney Near Me Florida

    Consumers beware! Property Attorney Near Me in Florida did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor’s bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

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    This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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    Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Consumer Law Attorney Near Me guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

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    The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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    The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

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    There are reliable, capable and honest people who work as contractors and lawyers, What Is A Business Attorney but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

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    My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

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    Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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    A lawyer who specializes in civil law is known as a civil lawyer. Civil law has many fields including business laws, corporate laws, intellectual property laws, family laws, personal injury laws, probate laws, real estate laws, tax laws, etc. Civil law is a branch of law dealing with disputes between individuals and/or organizations, in which compensation may be awarded to the victim. A civil lawyer not only represents the client in a legal proceeding but also provides legal advice to the client in civil transactions.

    Civil law encompasses all law that is not criminal law. Civil law seeks to resolve non-criminal disputes such as disagreements over the meaning of contracts, property ownership, divorce, child custody, and damages for personal and property damage. Civil lawyers handle lawsuits that involve individuals, businesses, and even the government.

    There are no special qualifications for becoming a civil lawyer. Like all lawyers, they must have a JD degree from an American Bar Association accredited law school and must have cleared the state bar exam. Before a lawyer can practice in a state, he must pass the state bar exam.

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    If you are finding it difficult to work with your lawyer or are not satisfied with his work for any reason, you need not worry as you have the absolute right to replace him/her with a more competent one in the middle of an ongoing case. In fact, you are even entitled to change him/her mid-case without any reason. Thus, not considering the reason for the replacement in the middle of the lawsuit, your attorney has to agree with your decision.

    The Process Involved

    - Soon after you discharge your legal representative or file a request for the same, he/she is required to follow local procedures and notify the local court about the discharge.

    - Once the formalities are completed, the court will allow the change, after which you can hire a new legal representative who is competent enough to represent you well.

    3) Take the decision as soon as you realize that your professional relationship with him/her cannot work out well. This is because if you try for the replacement just a few days before some important case hearing, you might regret your decision later.

    4) Make sure you provide your new attorney with the contact details of the old one, who was previously handling the case.

    However, as you are solely responsible for your own legal affairs, it is up to you to decide whether a change of lawyer mid-case is feasible for your case. Such changes can have both positive, as well as negative effects on the case. It is, therefore, in your own favor to analyze the potential consequences before taking any decision.

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    Consumers beware! Attorneys Near Me in Rosebank did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor’s bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

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    This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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    Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Legal Lawyers Near Me guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

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    The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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    The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

    How to Change Lawyers Mid-Case?

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    There are reliable, capable and honest people who work as contractors and lawyers, What Is A Business Attorney but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

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    My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

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    Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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    The National Association of Consumer Bankruptcy Attorneys is a national organization that is dedicated to protecting the rights of consumers who are in debt and also consumer bankruptcy attorneys. Formed in 1992, they currently have more than 3,000 members across the entire United States.

    This organization is important for a lot of reasons. From their work with the U.S. Supreme Court and U.S. Courts of Appeal to help debtors and bankruptcy attorneys to their national education programs for consumers, NACBA has been in the forefront of the battle to protect the rights of the citizens of the United States.


     
    Part of the power of NACBA is the network they've been able to build over the years. Their members range from those who handle thousands of cases a year to those who only handle a hundred or so cases a year. All the members are connected, though, and often willing to lend a helping hand to another NACBA member. As their organization continues to grow, it's only going to become more important in the realm of consumer bankruptcy in the United States.

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    Many people are not the biggest fans of their own jobs, they become to hate it more and more or simply get bored of sitting in a dead end job with no prospects. A career change can be daunting as it requires a lot of time, effort and often money. A complete career change might mean that all previous experience or qualifications become useless and transferring to a career such as Law might make you think you need to go back to university.

    Its actually relatively simple to embark on a career in Law if you have a degree, it is possible to convert that qualification to law by undertaking a one year Common Professional Examination (CPE) or Graduate Diploma in Law (GDL). Around 30% of trainee solicitors do not have a law degree and have followed alternative paths to a career in Law.

    Once you have converted a qualification you can then undertake a one year Legal Practice Course which is the final step before becoming a legal professional. On becoming a solicitor/ barrister you will be required to take a two year 'training contract' which involves work based learning and is similar to the apprenticeship scheme. Overall it will take four years to become a lawyer without a legal degree, two of which are paid and the other two can be extended to study part time.

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    Consumers beware! Litigation Attorney Near Me in Brakpan did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor’s bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

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    This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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    Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Good Attorneys Near Me guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

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    The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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    The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

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    There are reliable, capable and honest people who work as contractors and lawyers, Top Lawyers Near Me but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

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    My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

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    Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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    The following four rights are the basis of much of the consumer-oriented legislation that has been passed during the last thirty years. These rights also provide an effective outline of the objectives and accomplishments of the consumer movement.

    - The right to safety

    The consumers' right to safety means that products they purchase must be safe for their intended use, must include thorough and explicit directions for proper use, and must be tested by the manufacturer to ensure product quality and reliability. Business firms should also be aware that consumers and the government have been winning an increasing number of product-liability lawsuits against sellers of defective products. Moreover, the amount of the awards in these suits has been steadily increasing. Yet another major reason for improving product safety is the consumer's demand for safe products. People will simply stop buying a product they believe is unsafe or unreliable.

    - The right to be heard

    The forth right means that someone will listen and take appropriate action when costumers complain. In fact, corporate management teams begun listening to consumer complains after the end of World War II when competition begun again to increase. Today, businesses are listening even more attentively and many larger firms have consumer relations departments that can be easily contacted via toll-free phone numbers. Actually, one of the services every consumer today expects to receive from the companies he or she selects to purchase things from is consumer support.

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    Consumers beware! Did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor's bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

    This means Joe Blow, without any experience--or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor's or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner's expense and cause numerous liens on their property.

    Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Guess what? It's all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It's easy-pickings for contractor criminals.

    The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called "low-balling." They take draws of money from what the property owner has paid, then fund other projects and don't pay their supplier's bills they have in the victim's name. This results with liens on the property owner.

    The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

    There are reliable, capable and honest people who work as contractors and lawyers, but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

    My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

    Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, "consumers beware of unscrupulous contractors and attorneys."

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    Consumers beware! Real Estate Attorney Near Me in Pretoria did you know that anybody who is interested in being a general contractor in Washington State and has the petty cash of $109.70 for a license and a bond fee of only $12,000.00, is able to work at this professional trade? A specialty contractor’s bond is only $6,000.00. No knowledge or testing required. Rip-offs are welcome.

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    This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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    Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Attorney Specializing In Small Business guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

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    The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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    The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

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    There are reliable, capable and honest people who work as contractors and lawyers, Consumer Attorney Services but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

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    My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

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    Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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    When you see all these handsome Lawyers in TV series like LA Law, sitting in their fancy offices, driving these flashy cars, have you ever realized what they have been through in terms of time, years of education, money, certifications, etc...

    Let me Describe to you the Lawyers course of training. Formal educational requirements for lawyers include a 4-year college degree, 3 years in law school, and the passing of a written bar examination.

    Competition for admission to most law schools is intense. prospective lawyers should develop proficiency in writing and speaking, reading, researching, analyzing, and thinking logically--skills needed to succeed both in law school and in the profession.

    Regardless of major, a multidisciplinary background is recommended. Courses in English, foreign languages, public speaking, government, philosophy, history, economics, mathematics, and computer science, among others, are useful. Students interested in a particular aspect of law may find related courses helpful. For example, prospective patent lawyers need a strong background in engineering or science, and future tax lawyers must have extensive knowledge of accounting.

    The practice of law involves a great deal of responsibility. Individuals planning careers in law should like to work with people and be able to win the respect and confidence of their clients, associates, and the public. Perseverance, creativity, and reasoning ability also are essential to lawyers, who often analyze complex cases and handle new and unique legal problems.

    Lawyers held about 695,000 jobs in 2002. About 3 out of 4 lawyers practiced privately, either in law firms or in solo practices. Most of the remaining lawyers held positions in government and with corporations and nonprofit organizations.

    (Source: http://www.bls.gov)

    For Additional information:

  • www.Lawyers-Best-Infoweb.com
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    Many people are not the biggest fans of their own jobs, they become to hate it more and more or simply get bored of sitting in a dead end job with no prospects. A career change can be daunting as it requires a lot of time, effort and often money. A complete career change might mean that all previous experience or qualifications become useless and transferring to a career such as Law might make you think you need to go back to university.

    Its actually relatively simple to embark on a career in Law if you have a degree, it is possible to convert that qualification to law by undertaking a one year Common Professional Examination (CPE) or Graduate Diploma in Law (GDL). Around 30% of trainee solicitors do not have a law degree and have followed alternative paths to a career in Law.

    Once you have converted a qualification you can then undertake a one year Legal Practice Course which is the final step before becoming a legal professional. On becoming a solicitor/ barrister you will be required to take a two year 'training contract' which involves work based learning and is similar to the apprenticeship scheme. Overall it will take four years to become a lawyer without a legal degree, two of which are paid and the other two can be extended to study part time.

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    This means Joe Blow, without any experience–or at best, minimal knowledge, may be hired to build your house. Then Mr. Blow will turn around and hire incompetent sub-contractor’s or specialty sub-contractors, breach the contract, file bankruptcy, be forgiven in court for the debts they owe at the homeowner’s expense and cause numerous liens on their property.

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    Then these wannabe contractors are able to recycle their crime and start another business under another name, over and over again. Consumer Banking Attorney guess what? It’s all legal in Washington State and they know this. This careless practice and fraudulent crime against homeowners and taxpayers are not tolerable in such states as California and Florida. This is another reason that there is so much construction going on in the State of Washington. It’s easy-pickings for contractor criminals.

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    The property owner has the burden of proof. They are the victims. Fraud has a different meaning in Washington State. In bankruptcy court, fraud is very hard to prove. If proven against the contractor, the homeowner has a slight chance of seeking a judgment, but collecting that is another challenge. All these crooks have to explain is they went over their heads in expense. The fact is they underestimate the job, usually on purpose. In their trade, the terminology is called “low-balling.” They take draws of money from what the property owner has paid, then fund other projects and don’t pay their supplier’s bills they have in the victim’s name. This results with liens on the property owner.

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    The sub-contractor are protected under the responsibilities of the general contractor, whatever that is worth. Be acquainted with everybody who sets their foot on your property. Write down company names and vehicle license numbers. And if you file a lawsuit and hire an attorney, make double sure the lawyer is competent. Call your state Bar Association to check the status regarding disciplinary actions or complaints against the attorney you choose.

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    There are reliable, capable and honest people who work as contractors and lawyers, California Business Attorney but the crooked and incompetent ones have put them few and far between, and that truly is a shame.

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    My chalet-style house has been completed now for three years, but it stood in limbo for seven months in a tangled web of failed inspections and citations. I use to pride myself in the decisions I made in business and investments, but now I am so skeptical of the system and how it works against victims, like myself. My experience was a devastating blow to my confidence and trust.

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    Perhaps readers will join my cause for justice. The rules and laws are too slack and unjust. Just remember wherever you live, in whatever state, please protect yourself and your investment. Be cautious, alert and informative about your decisions when hiring a general contractor or specialty contractor. And it also goes for the attorney you hire. Pass this information and advice to your family and friends, “consumers beware of unscrupulous contractors and attorneys.”

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    When a company or an individual is unable to repay a loan, the individual or the company is considered to be bankrupt. Sometimes companies incur heavy financial losses. For example, a printing firm gets 80 percent of its total income from a single publisher. If the publisher diverts its order to a different company, the printer loses a large portion of its total income. The printing firm becomes bankrupt.

    Bankruptcy involves two parties: the debtor and the creditor. The debtor is the party in debt, who owes money to the creditor. A debtor can be a company or an individual. The creditor is an organization or individual to whom the debtor owes money. Most bankruptcy cases involve several creditors. There are basically three types of bankruptcy.

    After this, on the direction of the court, the trustee sells all of debtor's non-exempt assets for the benefit of the creditors. Finally, the debtor is discharged and all debts, with some exceptions, are written off. http://www.floridabar.org, the official web site of the Florida Bar Association (the regulatory body of all practicing lawyers in the state), publishes several pamphlets, including one entitled `Bankruptcy,' for the general public. The website also has a lawyer referral service to locate Bar-Certified bankruptcy lawyers in Florida.

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    According to a report released by the National Bankruptcy Research Center, personal bankruptcy filings are up 34 percent in January 2009 as compared to January 2008. Compared to the previous month, December 2008, filings were up 4.5 percent.

    These increases are no doubt a consequence of the current economic crisis. The National Bureau of Economic Research (NBER) reports that the United States' economy entered recession in December of 2007.

    Traditionally, recession has been defined as two quarterly declines in gross domestic product, but the Business Cycle Dating Committee of the NBER has taken a more comprehensive approach to defining recession. "A recession is a significant decline in economic activity spread across the economy, lasting more than a few months, normally visible in production, employment, real income, and other indicators."

    In 2006, predictably, bankruptcy filings crashed. Two effects were causing downward pressure on filings. First, filing demand had been cannibalized because many of those who would have, in the absence of the reform act, waited to file in 2006 were motivated to file in 2005 to avoid the restrictive new laws. Second, the restrictive new laws simply made many who previously were eligible to file ineligible.

    What the credit card lobby took away through the Bankruptcy Reform Act, the tanking economy has given back. Many more United States citizens are now eligible to file bankruptcy, though no doubt, they're not happy about it.

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