legalese http://www.artwoo.com Returned search results for legalese Copyright 2008 Tue, 02 Dec 2008 16:50:20 +0000 http://www.artwoo.com/rss/legalese Legalese Explained: What Is A "Bailee", And Are You One? http://www.artwoo.com/article/legalese-explained-what-is-a-bailee-and-are-you-one http://www.artwoo.com/article/legalese-explained-what-is-a-bailee-and-are-you-one#comments Thu, 10 May 2007 19:30:00 +0000 baileeparking lotpossessionguessbailmentpark your carmechanic http://www.artwoo.com/article/legalese-explained-what-is-a-bailee-and-are-you-one bailee is someone who has of someone else's property. There are two kinds of bailees:

(1) A "true bailee" or a "bailee under a transaction": This is someone who takes possession of another's property with the owner's consent - you borrow someone's car, for example. When you take your car to the , the mechanic is a true bailee, and when you check your coat in the coat check at a nightclub, the nightclub is a true bailee.

If you are a true bailee, you are generally liable for return of the owner's property, even if someone knocks you over the head and steals it, or if lighting strikes it and destroys it. It is possible to limit your liability through use of a disclaimer ("This establishment is not responsible for loss or damage to checked items"), but many states will not enforce a disclaimer that attempts to relieve the bailee of liability for gross (extreme) negligence or intentional misconsuct.

(2) A "constructive bailee" (also known as "involuntary bailee") is someone who has possession of the property of another without the owner's consent. If you find someone's wallet on the street, or even if you pick someone's pocket, what? You have become a constructive bailee. If you are a constructive bailee, then you are liable for the property's loss or destruction only if you were negligent in handling it (thieves can be held liable under a different legal theory).

What about the where you ? The person who controls it (the owner or the renter)is not a bailee unless the parking lot has an attendant. That's because the whoever controls the parking lot (owns it or rents it) never took possession of your car as long as you drove it in yourself. But the next time you park your car in a parking lot with an attendant, read the fine print on the ticket and it will probably say something like "No bailment is created". Believe it or not, that ticket is a bailment contract that you "signed" by paying your money, parking your car, and taking the ticket.

DISCLAIMER: The following is intended for reference only and not as legal advice. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/05/legalese-explained-is-possessio= n-910-of.html. ]]> Beware Of Geeks Bearing Gifts: The Law Of Inter Vivos Gifts And How Not To Get Burned http://www.artwoo.com/article/beware-of-geeks-bearing-gifts-the-law-of-inter-vivos-gifts-and-how-not-to-get-burned http://www.artwoo.com/article/beware-of-geeks-bearing-gifts-the-law-of-inter-vivos-gifts-and-how-not-to-get-burned#comments Sat, 12 May 2007 00:15:02 +0000 inter vivoscalculusmailseveral different kindsdrugssafe deposit boxatm card http://www.artwoo.com/article/beware-of-geeks-bearing-gifts-the-law-of-inter-vivos-gifts-and-how-not-to-get-burned several different kinds of gifts. An gift is a gift that I make while I'm still alive, not planning on dying any time soon, and that takes effect immediately (instead of after I die). An inter vivos gift must also be unconditional and irrevocable. In order for it to be enforceable, I must intend it as a gift, I must actually deliver the gift, and the recipient must actually accept it. This can result in some fairly non-intuitive consequences:

(1) I promise my son: "If you'll get an A in next semester, I'll give you $10,000." My son gets an A in Calculus and I refuse to give him the money. Normally there would be nothing he could do, because most of the time a "gratuitous promise" is not enforceable. But if I obtained some benefit from him getting an A in Calculus (no matter how small), a court might treat it as a contract rather than a gift and I would owe him $10,000.

(2) My son gets an A in Calculus, I him a check for $10,000, and before he checks his mail I discover that he's been using . I stop payment on the check because I know exactly where the money's gonna go. In this case I probably can keep the $10,000 - not because he's been using drugs, but because he hadn't opened the envelope with the check in it yet (thus there has been no "acceptance").

(3) Suppose he gets an A, I mail him the check, he opens the letter, cashes some of it, and buys drugs with it. It's too late, I'm out $10,000 because the gift has been completed and the money is his now.

Consider also that "delivery" of a gift can mean something less than physical transfer of the item given. Delivery of the keys to a car, the title to a house, or the keys to a are seen as effectively the same things as physical delivery of the item itself if they trasfer exclusive control to the receipient of the gift. If I transfer non-exclusive control (for example, an for a joint bank account that I still use, the situation can get trickier.

DISCLAIMER: The following is intended for reference only and is not intended as legal advice. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/05/legalese-expalined-inter-vivos-= gifts.html. ]]> Advice For Filing An Auto Insurance Claim http://www.artwoo.com/article/advice-for-filing-an-auto-insurance-claim http://www.artwoo.com/article/advice-for-filing-an-auto-insurance-claim#comments Sun, 05 Nov 2006 04:27:06 +0000 auto insurance claimauto insurance coveragecompany contactinsurance companylegalesepertinentnames and addresses http://www.artwoo.com/article/advice-for-filing-an-auto-insurance-claim legalese and fine print; however, if you actually ever need your auto insurance, you're going to have to file an . This can be the trickier part, if you aren't prepared.

Below is some advice for filing an auto insurance claim. Although it's best to brush up on this advice before you actually need to file an auto insurance claim, you may want to jot this advice down for future reference.

Get Answers

You really should know how much auto insurance you have before you're involved in an accident; however, if you don't, find out how much liability coverage you have. Liability coverage is the amount of money you have available to pay for the damages caused by an accident in which you are at fault. The liability insurance can cover vehicle repairs and hospital expenses for the other party, for example.

You also need to know the amount of your deductible for your collision , and your comprehensive auto insurance coverage if you have it. Simply put, this is the amount you have to pay before your auto insurance kicks in.

Contact Your

Contact your insurance company, and provide them with your name and address, as well as those of the involved parties, everything to the accident (date, time, location, damages, etc.), and the of any witnesses. Your insurance company will advise you on what further steps to take, and then they will take it from there.

Keep Records

In the meantime, keep records of all paperwork, including repair receipts and hospital visits. Your insurance company may request this documentation later.

Being prepared before an accident will make the process after the accident much smoother. http://www.ezquoteguide.com/home/ http://www.ezquoteguide.com/car/ http://www.myquoteguide.com/Term-Policy.shtml ]]> Landlord And Tenant Liability For Injuries Caused By Hidden Dangerous Conditions http://www.artwoo.com/article/landlord-and-tenant-liability-for-injuries-caused-by-hidden-dangerous-conditions http://www.artwoo.com/article/landlord-and-tenant-liability-for-injuries-caused-by-hidden-dangerous-conditions#comments Sun, 06 May 2007 02:29:55 +0000 landlordvaries from statelatent defectlatent defectspizza delivery driverlegal advicedangerous condition http://www.artwoo.com/article/landlord-and-tenant-liability-for-injuries-caused-by-hidden-dangerous-conditions landlord, what risk of liability could you face for "s" (s that are hidden or not obvious)on your property? What about if you're a tenant?

If you're a landlord, you can be sued by your tenant injured by a latent defect on the rented premises if you knew about it but didn't tell him (if you want to sound like a lawyer, the legalese translation here is "fraud by ommission"). Once you've told him about it however, then depending on the circumstances you're not necessarily required to actually fix the condition in order to avoid being sued (sometimes you are, sometimes you're not - it can get complex).

What if you fail to closely inspect the rental property and tus fail to discover a latent defect? If te tenant is injured by it, are you liable? The short answer is, not in most states, but be careful where you live. The reasoning here is that the tenant is injust as good a position as the landlord to inspect the property.

Then there are the more landlord-friendly states that will allow a landlord who knew of a dangerous condition but failed to inform the tenant to escape liability for the tenant's injury if the defect could have been discovered by the tenant through a "reasonable" inspection (whatever that is!).

Here's the scary part - if the landlord fails to inform the tenant of a dangerous condition known to the landlord but not to the tenant, and the tenant's visitor is injured by it, you can be sued by the visitor just as easily as you can be sued by the tenant. And "visitor" here doesn't just mean the tenant's mother-in-law - it could also mean a postman or a who falls into a hidden pothole and breaks his leg.

Please keep in mind that the law to state (in this area in particular) and is subject to interpretation.

DISCLAIMER: The following is intended for reference purposes only and not as . "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/04/landlord-tenant-law-what-landlo= rd-can.html. ]]> How To Write A Contract http://www.artwoo.com/article/how-to-write-a-contract http://www.artwoo.com/article/how-to-write-a-contract#comments Sat, 30 Jun 2007 23:11:40 +0000 lawyercontractsboilerplatelittle demonclausearcane artlawyers http://www.artwoo.com/article/how-to-write-a-contract arcane art for s only, right? Wrong. Yes, you should definitely see a lawyer should for high value, complex transactions. But the fundamentals contract writing are not all difficult to learn. Of course, once you finish writing your contract, do have a lawyer review it. But writing your own draft contract will cost you less than having a lawyer write it from scratch.

Here are some pointers:

1.Avoid Legalese. It is usually best to write in a language called "English". Contracts do have to be precise, however. Write your contract with an imaginary demon sitting on your shoulder trying to twist your language around to make it mean something else. If your contract is precise enough to defeat this , then it's probably precise enough. Some contracts, however, do need legitimate contractual "terms of art" that have special meanings to and judges (the word "consideration", for example). That's one reason you should have a lawyer review your contract before you sign it.

2. Be sure to include appropriate contract . Including a dispute resolution , an assignment clause, an entire agreement clause, etc. can be important to avoid unpleasant surprises if a dispute arises. Standardized contract boilerplate clauses are available on my site (see below). Look carefully at this boilerplate and modify it to suit your needs =96 after all, every transaction is different.

3. Cover every issue that might result in a dispute. Be paranoid, because you never know what might happen. Think of every way that a dispute may arise, address the issue, and clearly resolve it.

4. Use proper grammar, punctuation, and spelling. This is not just for show. Some readers may remember the TV series about a lawyer who cost his client a billion dollars by misplacing a comma in a contract (he got fired, went back to his hometown, and opened his new law office in a bowling alley!). "Contracts" at http://contractsguide.blogspot.com offers readers information about all types of contracts, especially how to write a contract. See also http://contractsguide.blogspot.com/2007/03/how-to-write-contract-general-ad= vice.html .. Please bookmark "Contracts"! ]]> Legalese Explained: What Is A Sublease? http://www.artwoo.com/article/legalese-explained-what-is-a-sublease http://www.artwoo.com/article/legalese-explained-what-is-a-sublease#comments Sun, 24 Jun 2007 08:15:01 +0000 subleaselease obligationslandlordlegal relationshipassignmentlease contractassignee http://www.artwoo.com/article/legalese-explained-what-is-a-sublease sublease? Generally speaking, if the original tenant transfers all of his rights under his to somebody else (a "third party"), it's an "", but if he transfers something less, it's a sublease. Note that it doesn't matter what you call it; a sublease is still a sublease even if you call it an assignment. So if you rent a house for a year, live there for 5 months, and then turn around and lease the remaining 7 months to a third party, it's an assignment. If you lease it for 6 months or less (or lease the entire remaining 7 months but only lease one room instead of the whole house), it's considered a sublease in most states.

If you were a , you'd probably prefer that your tenant assign rather than sublease, because if your tenant assigns, then if you tenant moves to Tahiti and your tenant's fails to perform his , then you can go after the tenant's assignee for failure to meet at least some of the original lease. obligations. But if your tenant subleases, then you can't go after the sublessee at all (only your tenant can), and you're going to have to sue your tenant because you have no with the sublessee (this immunity is not absolute of course - you can still sue the sublessee if he trashes your house, for example, and you can even evict the sublessee and if your original lease with your tenant forbade him to sublease).

The disadvantage of being a sublessee is that if the landlord fails to perform his obligations in his lease contract with the original tenant (he refuses to repair the house, for example), there's nothing you can do about it =96 the original tenant acts as your landlord and you'll have to go after him for satisfaction, even if he lives in Tahiti.

So, in a nutshell, for most purposes a sublessee is a tenant of the original tenant, the original tenant is the landlord of the sublessee, and the sublessee and the original landlord have no legal relationship at all.

Got that? OK, now tell me =96 how many sublessees does it take to screw in a light bulb=85?

DISCLAIMER: The following is intended for reference only and does not constitute legal advice. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/05/concurrent-ownership-of-real-es= tate.html. ]]> Understanding Contracts: Warranties http://www.artwoo.com/article/understanding-contracts-warranties http://www.artwoo.com/article/understanding-contracts-warranties#comments Mon, 16 Jul 2007 02:15:02 +0000 money backindustry standardscontactremedysubstantiallycompliancepromisor http://www.artwoo.com/article/understanding-contracts-warranties promisor will the failure: "Complete satisfaction guaranteed, or us within 30 days of purchase and we'll give you your !" is an example. Unfortunately, however, just getting your money back might not be enough to compensate you =96 if you an iron, for example, and it malfunctions and ruins an expensive garment, you might need additional compensation to make you whole. If you buy vitamins and they make you sick, a full refund won't pay your doctor bills. This kind of compensation is available under the law, but if your warranty does not specifically address issues like these it could get complex (and that means higher legal bills).

If you are the one offering a warranty, then it would be smart to include a disclaimer (such my disclaimer above) setting limits on what you are willing to remedy if the product or service fails to perform as warranted. These kinds of limits are not necessarily enforceable, however, so contact an attorney before drafting any disclaimers.

Buyers need to beware of ambiguous, legalistic language like "Vendor hereby warrants that the product will function in with applicable ." What does "substantially in compliance" really mean? Exactly how much is "substantial"? And what industry standards are being referred to here? Are they written down, or just "commonly understood"? Which industry standards are "applicable", and which are not? These are terms that your lawyer will love to hear, because he can fight about them for hours in court =96 he'll make money while your legal fees mount. If you don't understand a particular sentence of legalese, get it translated into English.

DISCLAIMER: THE ARTILCE IS OFFERED FOR REFERENCE PURPOSES ONLY AND IS NOT INTENDED TO CONSTITUTE LEGAL ADVICE. PLEASE CONSULT AN ATTORNEY WITH ANY QUESTIONS. "Contracts" at http://contractsguide.blogspot.com offers readers information about all types of contracts, especially how to write a contract. See also http://contractsguide.blogspot.com/2007/04/how-to-write-contract-warranties= ..html. Please bookmark "Contracts"! ]]> Legalese Explained: Finders, Keepers, Or How A Thief Can Sue To Get Back The Stuff He Stole http://www.artwoo.com/article/legalese-explained-finders-keepers-or-how-a-thief-can-sue-to-get-back-the-stuff-he-stole http://www.artwoo.com/article/legalese-explained-finders-keepers-or-how-a-thief-can-sue-to-get-back-the-stuff-he-stole#comments Thu, 10 May 2007 04:14:53 +0000 walletlegal advicestoletrespasserhousekeepermailmanhotel room http://www.artwoo.com/article/legalese-explained-finders-keepers-or-how-a-thief-can-sue-to-get-back-the-stuff-he-stole legal advice.

If you own it, it's yours. But what if you found it, or even it? Believe it or not, this is the way the law works in most states:

(i) I find a on the street, and you steal it from me. As you might expect, my legal right to the wallet is superior to yours, even though I will have to give it back to the owner if he can be identified.

(ii) I find a wallet on the street, lose it, and then you find it. I can demand the wallet back from you, even though it's not mine, and I can even sue to get it back.

(iii) I steal a wallet, and then you steal it from me. I can demand the wallet back from you even though I stole it (as long as you're not the owner of the wallet), because since I stole it first, my right to the wallet is superior to yours (I'm not kidding here!).

(iv) I steal a wallet, lose it, and you find it. I can sue you to get it back as long as you're not the owner of the wallet. Although it sounds unfair, I might need the wallet in order to return it to the owner if I get caught.

Although some states have modified the above rules, they are intact in most states.

The law gets a bit hairier if I find something on your property. Believe it or not, it's not necessarily yours. A court will take a lot of factors into account:

- Why was I on the property? If I was a , an employee or, for example, a , then my claim is weaker than if I was a guest. That is why it is harder for a to keep stuff he finds in a .

- What type of property was the item found on? If I found something in your attic, I would have a weaker claim than if I had found it in a nightclub (because it's open to the public).

- Where did I find the item? If it was buried underground then it usually belongs to the landowner (unless it was buried on purpose)

- How did the goods get there? If the property was a public place and the item I found was lost or abandoned by a guest, I've got a better chance of keeping it. But if it was left there intentionally by a guest who failed to return to pick it up (a jacket at a coat chack, for instance), then it woud likely belong to the owner.

Keep in mind that the above are traditional rules that can and have been modified by the laws of many states, so check with an attorney if you find something and are not sure whether it's yours or not. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/05/bailments-what-liability-do-you= -have.html. ]]> Landlord Tenant Law In Plain English: "Abandonment And Surrender" http://www.artwoo.com/article/landlord-tenant-law-in-plain-english-abandonment-and-surrender http://www.artwoo.com/article/landlord-tenant-law-in-plain-english-abandonment-and-surrender#comments Tue, 08 May 2007 03:34:57 +0000 tedlegal adviceouter mongolialandlord tenantdouble dippinglegalesewilling to pay http://www.artwoo.com/article/landlord-tenant-law-in-plain-english-abandonment-and-surrender legal advice.

In landlord-tenant , "abandonment and surrender" refers to the process by which a lease is termina prior to the end of its term. For example, suppose Tenant Ted signs a lease from January 1 to December 31 with rent payments due on the first of every month, pays the rent on time for the first four months, and then moves to on April 8. What can Laura Landlord do about it?

First of all, she cannot move in another tenant before Ted's next rent payment becomes due (May 1) - no allowed. The property is Ted's to possess at least until he becomes delinquent in paying rent.

Second of all, as long as Ted continues sending a rent check every month, he can become live in a tent in Outer Mongolia and Laura will still not have the right to move in another tenant until January of the following year, when Ted's lease expires.

So what if Ted stops paying monthly rent?

Well, if he's just a couple of days late, then under most leases and under the laws of most states, Laura will still have to wait a certain specified period (maybe a month) before she can terminate the lease and move in another tenant. At that point Ted will owe Laura damages equal to one month's rent plus any expenses he caused Laura by terminating his lease early (suppose, for example, that she couldn't find a new tenant as much as Ted was paying - Ted will owe Laura the difference multiplied by the number of months remainng on the lease). Because Laura chose to terminate the lease, she can no longer demand that Ted pay the entire year's rent.

But Laura doesn't have to terminate the lease at all if she doesn't want to. Suppose she's charging Ted rent at a rate that is way above market value? She may decide to sue Ted for back rent instead. In this case she is NOT terminatng the lease (and Ted can't terminate it without proper grounds). She sue Ted in small claims court every month as rent comes due, or she can wait until the end of the lease term and sue him for it all at once (as long as the statute of limitations hasn't expired). What she probably can't do is, for example, sue Ted in June and ask the court to make Ted pay in advance all the way through December - she'll probably have to wait for Ted to fail to pay each month before she can sue him for that month's rent. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/04/landlord-tenant-law-tenancies-a= t-will.html. ]]> Law Without Legalese: Tenants' Right To A Rent Reduction http://www.artwoo.com/article/law-without-legalese-tenants-right-to-a-rent-reduction http://www.artwoo.com/article/law-without-legalese-tenants-right-to-a-rent-reduction#comments Fri, 04 May 2007 06:24:59 +0000 landlordimplied warranty of habitabilitynecessarily mean thatbreachlegal advicepremisestheoretically http://www.artwoo.com/article/law-without-legalese-tenants-right-to-a-rent-reduction legal advice.

A tenant may be entitled to reduce his rent or even withhold it altogether under limited circumstances:

(1) The fails to meet his duty to repair the

Not all duties of repair fall on the landlord; some of them may fall on the tenant depending on local law and the terms of the lease. Nevertheless, to the extent that the landlord does have a duty to repair, the tenant may NOT repair the condition himself and deduct it from his rent unless his jurisdiction has enacted a "repair and deduct statute" (many of them have, however, and the number is increasing). Even under a repair and deduct statute, a tenant may not repair at a cost greater than one month's rent, refuse to pay the rent, and then bill the landlord for the balance. The tenant is also not allowed reduce the rent without making repairs on the theory that the unrepaired condition reduces the value of the property.

Note that just because the tenant cannot repair and deduct does not he can't sue the landlord - repair and deduct statutes were designed to make it easier for the tenant to obtain relief without having to go to court.

(2) The landlord es the ""

The implied warranty of habitability is a legal standard that requires a landlord to keep the premises in livable condition (in compliance with local building codes). It is "implied" because the law will hold the landlord to this obligation even if he makes no such promise in the lease. In many jurisdictions the tenant is not entitled to "repair and deduct" but must sue the landlord. Because the issue is habitability, the breach must be fairly serious - in jurisdictions without repair and deduct statutes, the landlord's duty to meet building code standards falling short of conditions that make the premises unlivable is the government's business, not the tenant's, and the tenant cannot sue on such violations but can only report the landlord's violation to the authorities in hope that the condition will eventually be repaired.

Neverthless, the tenant will often repair and deduct anyway as a matter of strategy, in order to force the landlord to go to the trouble of suing. The tenant will then defend the lawsuit by claiming that the landlord has breached the implied warranty of habitability, and the court will require the tenant to pay rent to the court, which rent will be returned to the tenant in whole or in part if he wins the case. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/04/termination-of-lease-deadbeat-l= andlords.html. ]]> "Possession Is Nine Points Of The Law": Your Rights If You Possess Land That You Don't Own http://www.artwoo.com/article/possession-is-nine-points-of-the-law-your-rights-if-you-possess-land-that-you-dont-own http://www.artwoo.com/article/possession-is-nine-points-of-the-law-your-rights-if-you-possess-land-that-you-dont-own#comments Mon, 14 May 2007 02:50:01 +0000 no trespassing signolgastatute of limitationsadverse possessionstatute of limitationownership rightslegalese http://www.artwoo.com/article/possession-is-nine-points-of-the-law-your-rights-if-you-possess-land-that-you-dont-own legalese). But under most circumstances you have a superior right to possess that land than anyone else in the world except the owner. If I move into a vacant house that is owned by Owner, of course she can throw me out. But if Olga is on vacation in Germany and Steve Squatter comes in and throws me off the property, I can actually sue Steve for ejectment and win, as long as I sue before the s runs out and as long as I can prove that I possessed the house before he did (occasional visitation is not enough to qualify as "possession").

Even if Steve proves that I do not own the house and that I live there without the consent of the owner, it will do Steve no good - I don't even have to share the house with him. And if I put up a "No Trespassing" sign and refuse entry to everyone in the world, the only one in the world who would have the right to act against me would be Olga.

It gets even better (or even worse if you're a landowner!). There is a time-honored concept called "" that will allow me to eventually become the new owner of the land without payng a dime, so that I could eventually exclude even Olga. To put it simply, as I possess Olga's house, she has until the statute of limitation runs out to sue to have me ejected. The statute of limitations generally begins to run either as soon as she learns that I have possessed the land "adversely" to her - that is, in a manner that challenges her .

If I just walk up to the house and move in, then the statute of limitations begins to run right then. If I come in as a legitimate tenant and refuse to move out once my lease expires, the statute of limitations begins to run when my lease expires. This statute of limitations varies from state to state, but is usually somewhere around 5 to 20 years. So if I live in a state with a five-year statute of limitations and Olga lives in Germany, she might not even find out about my adverse possession until it's too late.

Once the statute of limitations has run, then even Olga can no longer eject me - so for all intents and purposes I am the owner even though I don't have legal title or possession of a deed. If I ever want to sell or mortgage the place, I'll have to sue in court clear the title and get a deed - but under the above circumstances I'd likely win such a lawsuit. A caveat - this is a brief description, and this article is far too short to go into its many nuances.

DISCLAIMER: The following is intended for reference only and not as legal advice. "Real Estate Law in Plain English" is located at http://realpropertylaw.blogspot.com. See also http://realpropertylaw.blogspot.com/2007/05/property-law-in-plain-english-g= ifts.html. ]]> Online Security Begins At Home http://www.artwoo.com/article/online-security-begins-at-home http://www.artwoo.com/article/online-security-begins-at-home#comments Fri, 13 Oct 2006 04:27:08 +0000 own personal computeranti virus softwarepersonal computer securityspyware eliminatorsown computerecommerceemail http://www.artwoo.com/article/online-security-begins-at-home ecommerce site is secure. Too often a site owner takes great care to ensure the security of the site itself and may fail to take precautions to protect his or her .

If your website is not secure you may have difficulty accessing information, processing orders and securely accessing your own website.

Most netrepreneurs will place password protections on their ecommerce site to deter hackers, but interestingly a hacker might gain access to your information by another means altogether.



Anti-virus software -- There are thousands of viruses and mutations throughout the web. Some are implemented by visiting a website while others are downloaded through . The use of anti-virus software is a good first step to securing your . Make sure you set options that will allow you to gain updates at least once a day and be sure to scan your computer daily. In most cases this can be done automatically. Millions of files are corrupted and destroyed each year because of unprotected computers.

Automatic Updates -- Your web browser will likely have a site for updates and security fixes applicable for your computer. Automatic notices can be requested when new updates are available. DO NOT ignore notices that inform you of needed downloads. Most of these updates address discovered weaknesses in a portion of the software. By maintaining the security of your website you improve the chances that your computer is free of present and future predators.

Spyware -- This security risk is more personal than damaging. Spyware sets data miners in place that extract information about the locations you visit. They often access your email address information and can send emails to you based on the sites you have visited. Because the Spyware can uncover some personal data it should be eradicated regularly. Some anti-virus software includes , but there are also several free versions of spyware eliminating software online. You should know that many freeware or shareware programs include spyware in the free-to use program (there's always a catch). It is mentioned in some of the fine print of the site, but most users do not take the time to read all of the legalese.

By protecting your own computer you can also make it possible to protect the data of your customers by doing everything you can to ensure backdoor admission to the data is prohibited. Scott Lindsay is a web developer and entrepreneur. He is the founder of HighPowerSites and many other web projects. HighPowerSites is the easiest do-it-yourself website builder on the web. Get your own website online in just 5 minutes with http://HighPowerSites.com at: http://www.highpowersites.com ]]> Spain Is A Great Place To Invest In Property http://www.artwoo.com/article/spain-is-a-great-place-to-invest-in-property http://www.artwoo.com/article/spain-is-a-great-place-to-invest-in-property#comments Fri, 12 Jan 2007 06:27:07 +0000 property in malagareal estate in malagamalaga real estateweatheracross the continentcosta del soldiscount airlines http://www.artwoo.com/article/spain-is-a-great-place-to-invest-in-property Malaga real estate has been booming for the past few years. People from across the world and Northern Europe especially are buying homes in Malaga. The flying in and out of the nearby airport have made it fast and cheap to fly in and out of Malaga with ease. is lovely all year-round.

There have been several factors for the increase in demand for . Many foreign buyers have discovered the beauty of Malaga and have decided to buy properties in this region. Northern Europeans from are sweeping in to buy their own personal .



These buyers all have different reasons for buying property in Malaga, but for most of them they choose to have a vacation home or they buy as an investment property. Some people will live in their homes for part of the year and rent out their property for the second half of the year for rental income. There is rental demand in both the summer and winter months, although summer is still more popular.



Some people purchase a home in Malaga with the idea of relocation. There are people from all over the world who consider Malaga to be their home. Who wouldn't want to live in a town that has the feel of an Old Spanish village and beautiful all year round? Malaga is more than just a great tourist destination; it's also a great place to call home.



You can choose between a new and modern dwelling or an older country home or villa if you prefer something with a classic style. A country home will usually be farther from the town center, but will have more land on them. Some may even have beautiful fruit trees.



If you want to buy a piece of property in Malaga you first need to know exactly what kind of property it is that you want to buy. Would you like to be in the countryside in an older villa with lots of land? Would you like to be in a modern apartment in the center of town? No matter what you like there is sure to be an ideal kind of home for you in Malaga. Visiting different types of properties in Malaga can help you decide.



When you are ready to come to Malaga to look at properties then you can get in touch with a real estate agent to look at property. Make sure you take your time to look and don't jump on the first pot you see. This is an important purchase so take your time.



Hire an attorney to help you with any legal issues that you may need to deal with once you have found the home of your dreams. Make sure you get someone that is fluent in both Spanish and English to help you out. Even if you speak Spanish, you may need a bilingual lawyer to help you with legalese that you may not understand. Concentrating on the topic of Spain, Clinton Maxwell works for the most part for http://www.alicante-spain.com . You might come across his publications over at http://www.alicante-spain.com/costa-del-sol/malaga.html and various other sources for Malaga tips. ]]> Why Is Commercial Office Space Sometimes A No-no? http://www.artwoo.com/article/why-is-commercial-office-space-sometimes-a-no-no http://www.artwoo.com/article/why-is-commercial-office-space-sometimes-a-no-no#comments Sat, 04 Aug 2007 01:15:02 +0000 commercial office spacetight budgetoffice locationlease contractspace agreementunpredictable factorsthick stack http://www.artwoo.com/article/why-is-commercial-office-space-sometimes-a-no-no
You drive by and see a sign out front of a nice which reads `'. The building looks respectable. Maybe this is for you?

You take a moment to stop in and find The people inside are quite friendly. The commercial office space shown to you is clean and spacious, except that it consists mainly of bare walls and a floor. But then again,that's what you had expected in the first place.

You are ready to negotiate a one year agreement when the leasing agent lies a of documents in front of you and announces, "This is our standard ." You begin reading...or try to read. But it contains so much legalese your eyes begin to glaze over. Now you understand why everyone always says, "If you're going to lease commercial office space, you should consult with your lawyer before signing it." But there is one thing you do understand - the contract is for three years minimum.

Most people realize it would be unwise for any new business owner to get locked into an office for three years. In reality, this is more geared for an established business. Also, what if all goes according to plan, and in six months you have already forecasted that you are going to need expansion room? This contract doesn't seem to address these types of .

As for your , you begin thinking about all that bare office space. You'll be responsible for purchasing all kinds of furniture and office equipment. Plus, you will need to hire a receptionist to take your calls and greet your visitors when you're out of the office. It is beginning to make you nervous when you consider these additional costs.

Before you sign a long-term contract research all your options.

Some options are so incredibly flexible, expanding and contracting as fast as you can sign your name. One such option is executive suites, which can be dubbed the alternative to commercial office space.

Not only does executive suites come fully furnished, they provide a receptionist and have flexible leasing options and offer short-term, easy to understand contracts to accomodate your budget. You will be amazed at the choices provided by executive suites for the new business owner. It is a more practical, sensible approach to leasing office space and takes into account your present and future needs from day one. Cheree Dohmann, an internet marketing consultant, has worked with Premier Business Centers increasing awareness of their services. For details about Century City Executive Suites visit Premier Business Centers' website at http://www.pbcenters.com/articles/century_city_executive_suites.htm ]]> Meet Your Numbers: The Four P's in Relation to Office Depot Discount Coupons http://www.artwoo.com/article/meet-your-numbers-the-four-ps-in-relation-to-office-depot-discount-coupons http://www.artwoo.com/article/meet-your-numbers-the-four-ps-in-relation-to-office-depot-discount-coupons#comments Thu, 17 Jul 2008 17:29:14 +0000 peter f druckerdiscount couponsmanagement philosophysmart ideamanagement successoffice politicsstandard operating procedures http://www.artwoo.com/article/meet-your-numbers-the-four-ps-in-relation-to-office-depot-discount-coupons management philosophy. And your Office Depot can play a positive role!

Plan for Tomorrow

Planning is an essential part of . In fact, it is the first step of the management process and it is the one step that permeates everything in the process; you have to plan as you organize, lead, control, monitor, evaluate and then plan again based on the results.

You have to plan even for something as seemingly trivial as when to use your Office Depot discount coupons. You will be saving money when you use these Office Depot discount coupons whenever you buy your office supplies. When you add in recycling measures, you will have cut costs more than the discount offered by the coupons!

Indeed, planning for savings is a very , even if you have to start with office supplies. Then you can start planning for bigger, better businesses.

Play

Even if you are only employing 2 persons in your home business, there will be office politics. Always remember that when you refuse to play it, you will find yourself inadequately equipped to deal with it. You can at least learn and understand the rules, or better yet, be the one to implement the rules.

Also, bear in mind that inconsequential matters can flare into big issues when not properly addressed in a timely manner. Even the matter of who gets to use what Office Depot discount coupons can quickly escalate into an argument. However, look into possibilities that the misuse of Office Depot discount coupons can be a symptom of deeper issues.



Ideally speaking, standard operating procedures should be followed to the letter. Unfortunately, this is seldom the case. People have free will, places have rhythms of their own, and processes can go haywire, whether you like them to or not.

Try to learn how processes and things actually get done. Even if you have a manual on bureaucracy, ask around. It could not hurt to know a few things not contained in the manual, and even if it is contained, it is usually buried under tons of legalese and in fine print, to boot.

This applies to your business as well. Do not assume that everything gets done according to your instructions; ask and you will know.

People, People

The best is saved for last. Always remember that your people - customers and employees - are the most important P in your business. Nothing gets done without people, not even in your "paperless" business.

Remember that when your treat your people like numbers, you are preventing your business from meeting its numbers. Not even the entire stock of Office Depot discount coupons can help you cut office costs and increase profits!

So there you have it, the four P's- Planning, Politics, Procedures and People. Know them, learn them by heart, and practice them. When you do, you are one step closer to meeting your all-important number - profits!For more information on cost-saving Home Depot discount coupons and Office Depot discount coupons, visit DiscountSpies.com! They have all the latest information on discount coupons and codes to help you. Visit them now!]]> The Best Network Marketing Company http://www.artwoo.com/article/the-best-network-marketing-company http://www.artwoo.com/article/the-best-network-marketing-company#comments Thu, 06 Mar 2008 06:35:01 +0000 network marketing companybest network marketingmlm companylegalesethin icebackup systemamou http://www.artwoo.com/article/the-best-network-marketing-company network marketing company is the real key to your success. It has to be YOUR company, on YOUR terms, with YOUR product, and doing business YOUR way. Imitations don't count.

This is not your sleazy MLM sales pitch. No, this is your information-packed, straightforward e-business. It reflects you and your interests.

What works for Cousin Jo may not work for you. The company will reflect your product mix, your way of doing business, your life. Truly, once you believe in it, you'll be amazed how easy it is to promote it. Your toughest job is to find that company.

While the very best network marketing company may be different for each person, great companies have a good deal in common. As you search for your company, keep an eye out for these 7 qualities:

1. The company has a real product. A good product. Maybe even a great product. One you can sell and make money from. If they push you to "build your downline" more than sell the product, all they are selling is your downline. Get away. Fast. A company without a great product is skidding on very .

2. Agreements are easy to read and understand. If the agreement is written in , or is printed so small that you can't read it, walk away. This company is trying to hide information from you.

3. There is someone you can contact at the company for questions. Since well over 90% of MLM-ers leave their programs, it is very possible that your sponsor will leave. If that happens, who do you turn to for advice? There should be a in place.

4. If it is an , there are no more than three levels of payment: you, the person under you, and the person under them. Even that is a lot. You won't know who the third level people are, so make sure your primary income is coming from your own efforts, not those of others. When your commissions start getting lost in the labyrinth of 10 levels, it is gone. Absolutely gone. You will never see a dime.

5. You are not required to buy an outlandish nt of product. If you really like this product, odds are that you will want to buy some. But if the company requires you to purchase cartons of it each month, that is a real trouble sign.

6. The company has a way for you to easily check your commissions. The best network marketing company will give you a password protected online capability that you can check daily if you want to. It should show your sales, the customer's name and type of sale, as well as your actual commission. For your downline, you should be able to see only the totals. It would not be fair for you to see the names and emails of your downline's clients, just as it would not be fair for your sponsor to see information on your specific clients. But downline summaries should be there.

7. The company has a good reputation. Check the Better Business Bureau, both in the area where the company is physically located, and the online BBB. Also do a Google search on the company to see what comes up.

Oh, yes, one more thing. The best network marketing company will be computer savvy. For instance, it will provide a way for your clients to click directly from your website to the order form that they provide. Be wary if your visitors are asked to put in "ID numbers", etc. Your visitors won't remember those numbers, and your commission will be lost.

From there on, look for the network marketing company that suits your style. That's a very hard concept for most people to really accept. With all the "millionaire gurus" shouting in our ears, it is sometimes hard to hear the wee small voice inside that tells us to watch out.

It takes uncommon good sense to identify the best network marketing company. Use all the analytical and research skills that you've got. After all, this is your business. YOUR business. Do it right. MaryAnn Shank (http://www.YourNetworkMarketingCoach.com) has coached hundreds of entrepreneurs, reaching far into the internet to find solutions for many. She knows well the strengths and the pitfalls of MLM companies, and knows how to find the best network marketing company. ]]> Imports - How To Avoid Hidden Costs And Regulatory Supprises http://www.artwoo.com/article/imports-how-to-avoid-hidden-costs-and-regulatory-supprises http://www.artwoo.com/article/imports-how-to-avoid-hidden-costs-and-regulatory-supprises#comments Thu, 10 May 2007 00:14:54 +0000 us customs and border protectionblue moldcheeseagriculture adjustment actgooglecustoms and border protectioneven more important http://www.artwoo.com/article/imports-how-to-avoid-hidden-costs-and-regulatory-supprises Google, MSN, or Yahoo for blue-mold , compare prices, make a purchase, and have it delivered to your doorstep =96 at least that is what most people would like to believe. However the stark reality is that there is a complex world of Customs issues that must be navigated before the goods make it to your doorstep. Failure to comply with the myriad of regulations or pay duties and taxes could lead to fines, confiscation of goods, and even jail term. According to US. , on a typical day officers seize $1.9 million in merchandise. This article, the first in a two part series, aims to point out the obstacles that individuals or businesses should be aware of before buying on the internet for import.



For illustrative purposes let us examine a scenario involving blue-mold cheese purchased from Argentina or from any European Community based online store. Because the cheese was purchased from a foreign country the buyer is now considered an importer. , cheese is a diary product so the importer must comply not only with import duties as applicable but also with restrictions pursuant to the or else the cheese could be seized. Diary products typically require a permit/license to be imported. Additionally, the importer must check whether the quota on cheese has been filed or not. Quotas are quantitative restrictions on product for a specific period of time.

For the whole year, the quota for blue-mold cheese is as follows: from Chile 80,000 kg, European Community 2,829,000 kg, and Other countries or areas 1kg. . When the aggregate amount of imports exceeds the established quota amounts no further imports of blue-mold cheese from those countries will be allowed. The next thing the importer has to worry about is the tariff classification number according to the Harmonized tariff schedule- a technical publication of 3063 pages of legalese, rules of interpretation, import duties, and taxes. Clearly aforementioned steps will consume a lot of time and resources, which begs the question is there an easier way to figure all this out just as it was easy to find the cheese with a few mouse clicks?

A number of companies try to make it easier to get at the information we have discussed here =96 Fedex (www.fedex.com), TariffPro (http://www.tariffpro.com) and even the US government (http://hotdocs.usitc.gov/tariff_chapters_current) provides capability to get the information, each with varying degrees of ease and each of the with a different value proposition for the importer. What is important is for you as an importer to know what information the need to get and make sure you have all the necessary information to make a good import decision. Ernie Happarch is a consultant on international trade regulation, import duties, and tariffs. His clients have included TariffPro - http://www.tariffpro.com. a provider of import duties information with their one of a kind instant report, the TariffPro Adviser. ]]> Pitfalls Of Filing Bankruptcy http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy#comments Wed, 23 Apr 2008 16:36:23 +0000 bankruptcy bankruptcydebt counselorbankruptcy attorneycredit carsunsecured debtsbankruptcy informationdebt freedom http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy debt freedom. There are pitfalls and downsides to bankruptcy.

Bankruptcy can relieve you from financial debt and obligation, but does come with a price. You do have to pay a , usually a minimum of $200.00. On top of this fee you will have permanent results to your credit report. For the next 10 years, both chapter 7 and chapter 13 bankruptcies appear on your credit report. Eighty percent of all credit reports carry errors that can harm your chance of a home loan, car loan or personal loan. Some employers require a credit report for position consideration. Poor credit reports showing unsatisfactory payment history can keep you from receiving a job. Newspapers will often carry a section releasing , since bankruptcy is public knowledge. This could lead to embarrassment from friends, family and co-workers.

Though bankruptcy is not a process in which a person should be ashamed society does often frown upon it. With pitfalls being attached to bankruptcy a better choice perhaps may be debt consolidation. You can have all of your and consolidated into one easy monthly payment. You can pay down your debts and regain control over your finances. The choice is up to each individual and decisions vary upon the situation. It is best to speak to both a and a bankruptcy attorney to see whether or not the pitfalls of bankruptcy are worth the while.

You do have the option of filing for bankruptcy yourself if it is unavoidable. This can save the time and money you would normally spend on a lawyer who would proceed with your claim. It has been said that a person who represents himself at court has a fool for a client. Yet with the many do-it-yourself legal kits that are available for purchase from office supply stores and via the Internet, those with a straightforward legal case may be able to save the money they would otherwise have to pay a lawyer and simply apply to meeting their personal needs.

Keep in mind that a do-it-yourself bankruptcy is easy to do if you do not have a plethora of fiscal assets and instead your financial portfolio consists mostly of debts. Yet at the same time there are some drawbacks to going it alone and prior to deciding on a course of action, decide if the do-it-yourself option is really for you!

Filling out the forms is probably the easiest part. Taking them to the courthouse, having them date stamped, and paying the filing fee is also a task that can be easily done by you. Yet where it gets tricky is the burden of informing creditors of your filing =96 you need to be able to document that you followed all of the requirements set forth by the state with respect to your filing =96 and also preparing to potentially defend your assertion that you do not have the funds needed to pay your obligations against a creditor.

If something changes and you want to include a previously excluded debt, there are also provisions that must be met and you need to ensure that you are able to meet each of these head on to avoid any penalties for filing late. In the same vein, any communication from the court must be immediately read and responded to, and sometimes the legalese is hard to understand. The clerks of the court cannot give legal advice and you may find yourself putting in quite a bit of time in front of the computer doing legal research.

If none of these deter you, then a do-it-yourself bankruptcy kit might be the way to go for you! Legal Helpers is a debt relief agency helping people to file for bankruptcy relief under the bankruptcy code. We're one of the largest consumer bankruptcy firms. Bankruptcy attorneys answer the phones six days a week and evenings. http://www.legalhelpers.com ]]> Pitfalls Of Filing Bankruptcy http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy#comments Wed, 23 Apr 2008 16:36:23 +0000 bankruptcy bankruptcydebt counselorbankruptcy attorneycredit carsunsecured debtsbankruptcy informationdebt freedom http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy debt freedom. There are pitfalls and downsides to bankruptcy.

Bankruptcy can relieve you from financial debt and obligation, but does come with a price. You do have to pay a , usually a minimum of $200.00. On top of this fee you will have permanent results to your credit report. For the next 10 years, both chapter 7 and chapter 13 bankruptcies appear on your credit report. Eighty percent of all credit reports carry errors that can harm your chance of a home loan, car loan or personal loan. Some employers require a credit report for position consideration. Poor credit reports showing unsatisfactory payment history can keep you from receiving a job. Newspapers will often carry a section releasing , since bankruptcy is public knowledge. This could lead to embarrassment from friends, family and co-workers.

Though bankruptcy is not a process in which a person should be ashamed society does often frown upon it. With pitfalls being attached to bankruptcy a better choice perhaps may be debt consolidation. You can have all of your and consolidated into one easy monthly payment. You can pay down your debts and regain control over your finances. The choice is up to each individual and decisions vary upon the situation. It is best to speak to both a and a bankruptcy attorney to see whether or not the pitfalls of bankruptcy are worth the while.

You do have the option of filing for bankruptcy yourself if it is unavoidable. This can save the time and money you would normally spend on a lawyer who would proceed with your claim. It has been said that a person who represents himself at court has a fool for a client. Yet with the many do-it-yourself legal kits that are available for purchase from office supply stores and via the Internet, those with a straightforward legal case may be able to save the money they would otherwise have to pay a lawyer and simply apply to meeting their personal needs.

Keep in mind that a do-it-yourself bankruptcy is easy to do if you do not have a plethora of fiscal assets and instead your financial portfolio consists mostly of debts. Yet at the same time there are some drawbacks to going it alone and prior to deciding on a course of action, decide if the do-it-yourself option is really for you!

Filling out the forms is probably the easiest part. Taking them to the courthouse, having them date stamped, and paying the filing fee is also a task that can be easily done by you. Yet where it gets tricky is the burden of informing creditors of your filing =96 you need to be able to document that you followed all of the requirements set forth by the state with respect to your filing =96 and also preparing to potentially defend your assertion that you do not have the funds needed to pay your obligations against a creditor.

If something changes and you want to include a previously excluded debt, there are also provisions that must be met and you need to ensure that you are able to meet each of these head on to avoid any penalties for filing late. In the same vein, any communication from the court must be immediately read and responded to, and sometimes the legalese is hard to understand. The clerks of the court cannot give legal advice and you may find yourself putting in quite a bit of time in front of the computer doing legal research.

If none of these deter you, then a do-it-yourself bankruptcy kit might be the way to go for you! Legal Helpers is a debt relief agency helping people to file for bankruptcy relief under the bankruptcy code. We're one of the largest consumer bankruptcy firms. Bankruptcy attorneys answer the phones six days a week and evenings. http://www.legalhelpers.com ]]> Pitfalls Of Filing Bankruptcy http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy#comments Wed, 23 Apr 2008 16:36:23 +0000 bankruptcy bankruptcydebt counselorbankruptcy attorneycredit carsunsecured debtsbankruptcy informationdebt freedom http://www.artwoo.com/article/pitfalls-of-filing-bankruptcy debt freedom. There are pitfalls and downsides to bankruptcy.

Bankruptcy can relieve you from financial debt and obligation, but does come with a price. You do have to pay a , usually a minimum of $200.00. On top of this fee you will have permanent results to your credit report. For the next 10 years, both chapter 7 and chapter 13 bankruptcies appear on your credit report. Eighty percent of all credit reports carry errors that can harm your chance of a home loan, car loan or personal loan. Some employers require a credit report for position consideration. Poor credit reports showing unsatisfactory payment history can keep you from receiving a job. Newspapers will often carry a section releasing , since bankruptcy is public knowledge. This could lead to embarrassment from friends, family and co-workers.

Though bankruptcy is not a process in which a person should be ashamed society does often frown upon it. With pitfalls being attached to bankruptcy a better choice perhaps may be debt consolidation. You can have all of your and consolidated into one easy monthly payment. You can pay down your debts and regain control over your finances. The choice is up to each individual and decisions vary upon the situation. It is best to speak to both a and a bankruptcy attorney to see whether or not the pitfalls of bankruptcy are worth the while.

You do have the option of filing for bankruptcy yourself if it is unavoidable. This can save the time and money you would normally spend on a lawyer who would proceed with your claim. It has been said that a person who represents himself at court has a fool for a client. Yet with the many do-it-yourself legal kits that are available for purchase from office supply stores and via the Internet, those with a straightforward legal case may be able to save the money they would otherwise have to pay a lawyer and simply apply to meeting their personal needs.

Keep in mind that a do-it-yourself bankruptcy is easy to do if you do not have a plethora of fiscal assets and instead your financial portfolio consists mostly of debts. Yet at the same time there are some drawbacks to going it alone and prior to deciding on a course of action, decide if the do-it-yourself option is really for you!

Filling out the forms is probably the easiest part. Taking them to the courthouse, having them date stamped, and paying the filing fee is also a task that can be easily done by you. Yet where it gets tricky is the burden of informing creditors of your filing =96 you need to be able to document that you followed all of the requirements set forth by the state with respect to your filing =96 and also preparing to potentially defend your assertion that you do not have the funds needed to pay your obligations against a creditor.

If something changes and you want to include a previously excluded debt, there are also provisions that must be met and you need to ensure that you are able to meet each of these head on to avoid any penalties for filing late. In the same vein, any communication from the court must be immediately read and responded to, and sometimes the legalese is hard to understand. The clerks of the court cannot give legal advice and you may find yourself putting in quite a bit of time in front of the computer doing legal research.

If none of these deter you, then a do-it-yourself bankruptcy kit might be the way to go for you! Legal Helpers is a debt relief agency helping people to file for bankruptcy relief under the bankruptcy code. We're one of the largest consumer bankruptcy firms. Bankruptcy attorneys answer the phones six days a week and evenings. http://www.legalhelpers.com ]]>