What to Expect Once You Decide to File a Las Vegas Bankruptcy Tuesday, December 14, 2010

The Bankruptcy Process

This article addresses how Bankruptcy cases are handled for cases that filed in the Bankruptcy Court located in Las Vegas, Nevada. Bankrutpcy cases filed in other courts may progress in a slightly different manner.

Once you decide to file Bankruptcy, your attorney should provide you with some items that you will need your to complete. The main item is usually a questionnaire which should ask to to provide some of the following:

-some personal information (name, address, ss#, ..., );
-information on your assets (a breakdown of bank accounts, cars, homes, ...);
-list of creditors to make sure that we have all of your creditors, since not all of your creditors will appear on your credit report;
-information on your last 6 months of income; and
-information on your living expenses.

You should also gather certain documents, such as bank statements, tax returns, paystubs, divorce decrees, or other items that will be needed to either complete your paperwork or that will have to provided to the Bankruptcy Trustee. You will also then have to complete a Credit Counseling course that is usually completed on the internet.

Once you complete the questionnaire and deliver the requested documents, your attorney should begin to prepare your paperwork. Once done, you should review and sign the Petition, Schedules and related items. Your case is then ready to be filed provided you have completed the Credit Counseling course, and paid the appropriate fees. Keep in mind that once your case is filed, you will have to complete a second course on financial management.

What happens next depends on whether you filed a Chapter 7 or a Chapter 13 case. If you filed a Chapter 7, about a month after your case is filed, you will need to attend a Meeting of Creditors at the Bankruptcy Court. During this meeting, the Trustee will ask you questions for a few minutes and your creditors may also seek some information from you. Typically, however, no creditors will show up. Usually, clients are understandably quite nervous about attending the Meeting of Creditors. They are relieved once it is over and they see that it is not near as bad of an experience as they feared. Most of the time, about 2 to 2 ½ months after the Meeting of Creditors, you will receive you Discharge. This closes your case and is the final step in extinguishing you dischargeable debts.

In a Chapter 13 case, you will have to start making your monthly "Plan Payments" to the Trustee about a month after your case is filed. Also, the Meeting of Creditors is about 6 to 8 weeks after the case is filed. Then, approximately a month after that you can "confirm" your case, which is the process where the Bankruptcy Court approves your plan. Also, items such as removing your second mortgage, attempting to modify your first mortgage, or negotiating a settlement with the IRS or other creditor, should be taken care before your case is confirmed. Sometimes, the confirmation will need to be continued to resolve these types of issues. After your case is confirmed, you will need to make all of your scheduled Plan Payments. Once this is done, you will receive your Discharge.

As indicated, the above description pertains to Bankruptcy cases filed in the Bankruptcy Court located in Las Vegas, Nevada. Bankrutpcy cases filed in other courts may progress in a slightly different manner.




Shawn Christopher is an attorney licensed in Nevada and California. His office is located in the Las Vegas area. For more information on his form, please visit his website, http://www.christopherlegal.com or for more specific information on bankruptcy, please review http://www.bklasvegas.com

Medieval Castles - An Essay

Castles remind us of a time that was full of adventure and romance. Castles remind us of a time in history in which there was a lack of government and order. Although there was not mass confusion and anarchy, there was less order. Castles were the basis of feudalism. Castles can be seen as a manifestation of feudal society. Feudalism started with the rise of castles and ended with their end. The castle set the tone as the only homestead that nobility would live in during this time. Castles were influenced by and influenced many medieval cathedrals in Europe. Although castles served many purposes, their primary purpose was military. At that time, people were not protected by merely shutting and locking a regular wooden door. They needed the protection of castles and their knights. The lords and constables of castles needed serfs to work the land to make revenue in order to pay rent to the more important nobles. Given the following evidence, it is relatively obvious why castles and castle building played an instrumental role in the development of Western Europe.

Castles are unique to a time in history known as medieval times. The word medieval in our times is an insult to anything as is the word feudal. Through the haze and ruins, one can imagine dungeons, chivalrous knights, and mighty Lords who ruled the land and protected the common peasant from barbarians and other invaders. The rise of castles marked the rise of feudalism. This was all started by the crusades. The majority of the knights and nobles went to liberate the holy land from the Muslims. The Crusades influenced castle builders back in Europe. Ideas were gathered from Muslim and Byzantine fortifications. Because of the lack of protection in Europe, a castle's strength needed to be increased because of the ever-present threat of a Muslim invasion. The end of Feudalism also marked the end of the middle ages and hence the end of the great castle era.

Castles integrated the combination of residence and fortress. The first castle dates back to King Sargon II of Khorsabad in ancient Egypt. He erected a grand palace for himself to protect him and his subjects. The first recorded references to castles was the Edict of Pistes by Charles the Bald, king of the West Franks. "We will and expressly command that whoever at this time has made castles and fortifications and enclosures without our out permission shall have them demolished by the First of August" (Brown Architecture of Castles 13). Other castle laws were the Norman Institutions handed down by William the Conqueror after he took over England. One law says that no one shall raise castles in Normandy without the Duke's license.

An ideal castle site was one that had natural obstacles for defense such as steep hillsides and water. Castles that were built on rocks or islands were especially effective. An example of this is Bodiam in Sussex which was the home of Sir Edward Dalyngrigge in 1385. A moat offered good protection, but building on a lake or river offered better protection. The site should not be too remote. It should have water and building material readily available nearby. A site should have a good climate, good pasture, and ample fertile land. If a castle had all these things, it would increase its chances of surviving a siege.

A large majority of early castles followed the motte and bailey design. These designs utilized earth and timber. A motte and bailey design is a design where the keep is on a hill or motte behind the bailey which is the open area of the castle similar to a town square. A bridge usually connected the motte to the bailey. The motte was a great mound of earth or rock. Sometimes it was artificial, but the majority of the time it was authentic. At its base there was a deep trench that resembled a moat. This was used as defense. Surrounding the motte was a wall of timber. The motte also contained the keep which is where the lord of the manor and his family lived. The keep was the innermost part of the castle. It was the last defense against attack. The keep has also been referred to as the donjon. This is where the French got the word dungeon meaning the jail or place to hold prisoners. Surrounding the entire premises was a wooden fence that was at least ten feet in height. These wooden stakes were then implanted in the ground for support. The fence sometimes stood upon posts to allow men to get through. During a siege, the perimeter would be covered with wet animal skins to curb the threat of arson. Most motte and bailey castles were built before William the Conqueror's conquest in 1066.

Walter the Archdeacon wrote a biography of John, bishop of Therouanne about 1130. In it he describes Merchem Castle near Dixmude: "There was, near the porch of the church, a fortress which we may call a castle... exceedingly high, built after the custom of that land by the lord of the town many years before. For it is the habit of the magnates and nobles of those parts... to raise a mound of earth as high as they can and surround it with a ditch as broad as possible. The top of this mound they completely enclose with a palisade of hewn logs bound close together like a wall, with towers set in its circuit so far as the site permits. In the middle of the space within the palisade they build a residence, or, dominating everything, keep" (Brown Architecture of Castles 21)

Castle designers saw a need for improvement because wood and earth were not strong and were not effective protection against fire. There was also a need for bigger, grander castles because noble visitors did not travel alone so a castle would have to have enough room for the occasional visitor and his or her group. The architects who designed castles were known as master masons. They saw that stone would be a more effective building material. Although it was cold and hard to work with, it provided the much needed protection against fire. These newer castles are called enclosure castles. Like motte and dailey designs, enclosures castles had a wall protecting the perimeter of the manor. However these castles were not built upon hills or mottes. The keep of the castle was incorporated into the wall surrounding the property. These castles still had a bailey. With this new style of castles came a new construction material. Stone became the only material to build one's castle out of because it made castles much stronger against attack. The tower of London is an example of a masonry castle. The ideal stone for castles was the fine limestone of Caen in Normandy. This limestone was soft when first quarried, but gradually became hard as it was exposed to air. To insulate against the cold stone walls of castles, the women made tapestries for the walls. The tapestries almost always contained a story relating to the castle. One of the most famous tapestries is the Bayeux Tapestry. It depicts the Norman knights before Hastings in 1066. Since they were now using stone, castle builders were able to integrate defenses into the castles.

Castles needed to have defenses. They were not made impregnable. They were made so that it would take an enormous amount of artillery and money to take the castle. They were made so that it would take a large amount of time to take a castle. The castle of Newcastle at Tyne was far from impregnable in 1173, but it was strong enough to make an ill-prepared Scottish King William think twice about a siege: "Well sees the king of Scotland that he will never complete the conquest of Newcastle on Tyne without military engines" (Ibid 80). Some defenses used by castles were machiolations. Machiolations were projecting battlements to protect against arrows and other weapons. They were at the top of the wall surrounding the castle. Arrowslits or arrow loops were slits that were cut into stone to allow sharpshooters a place to shoot. They were angled so that the sharpshooter was protected from oncoming projectiles. Another defense used was Greek fire. This was an incendiary device that was used against wooden attack machines. The ingredients of Greek fire are a mystery. It is thought that it contained some of the following components: crude oil, refined oil, naphtha, pitch, resin, sulfur, quicklime, and bitumen. This deadly mixture was put on an arrow and then shot onto one of the attacking machines and it gave explosive results. Greek fire was probably developed in the seventh century by the Byzantines for naval warfare. Greek fire was a morale builder for the defenders during a siege. The Lord of Joinville described Greek fire as "This Greek fire was suck that seen from the front as it darted towards us it appeared as large as a vessel of verjuice, and the tail of the fire that streamed behind it was as long as the shaft of a great lance. The noise it made in coming was like that of a thunderbolt falling from the skies; it seemed like a dragon flying through the air. The light this huge, flaming mass shed all around it was so bright that you could see right through the camp as clearly as if it were day. Three times that night the enemy slung Greek fire at us from their petraries, and three times they shot it from their arbalestres a tour" (Ibid 88).

Weapons were used against castles during a siege included the trebuchet, mangonel, belfry, ballista, ram, and bore. The trebuchet was a big machine that flung artillery like a catapult. The mangonel was similar to the trebuchet but smaller and more maneuverable. Its strength was based on the tautness of the hemp, rope, or tightly twisted animal sinew. Artillery used by these weapons include rocks, fireballs, and dead animals to spread disease. The belfry was a mobile tower which was built higher than the castle walls in order to scale them during siege. The ballista was essentially a large crossbow that hurled rocks and other large boulders. The ram was a device that did what its name says. It was used to knock the portcullis or gate down. The bore was a device used by the attackers during a tactic known as mining. They mined from their camps to the castle walls. They would set up a support then start a fire to break down the castle walls. The defenders of the castle also used this tactic to counter the attackers siege. They would watch the moat to see the vibrations caused by the attackers shovels. Then they would start a counter mine. This was the most effective tactic used in a siege but it was the most dangerous. It was dark, had contaminated or little air and there was always a threat that the tunnel would cave in or be caved in by the castle's garrison.

Castles were not just fortresses but also residences of the nobility. It is this balance of military and residential qualities which make a castle so different from other fortifications. Castles had all the best furnishings and colors. They had chapels because Europe was a Christian continent. They occasionally had more than one. On the castle property were things like gardens, parks, vineyards, dovecotes, fishponds, mills, and stables. Castle were not as primitive as we think them to be. They had some of the conveniences that we have today. They had a form of a toilet. It was a toilet made of stone. People who wished to use it had to bring some material to protect themselves from the cold stone. The waste would eventually drain to a river by way of an underground pool. These cesspits would often have to be cleaned out by dung farmers.

Not all castles were extravagant fortresses that housed kings and all his subjects. Many castles were just built for the lord, his family and a few servants. Other castles that were not well protected or had no threat of attack were called fortified manors. The design of a castle was taken very seriously by the lords. There is reference to Aubree, wife of the Count of Bayeux, executing on the spot, Lanfred, her master mason after he completed her castle. She did this because she was so pleased with it that she didn't want him to build one like it for anyone else.

Castles were the basis of feudalism. They controlled the land and all within it. A castle was a lord's response to a mounted cavalry charge. Castles were effective centers of military power and territorial lordship whether or not the king or prince was there. Castles are an important part to history. They are phenomenal structures that still influence modern houses today.




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Judgment Collection Monday, December 13, 2010

I am not a lawyer. This is my opinion about what I have learned and observed. If you need legal advice, contact a lawyer.

The easy part was getting the Judge to agree with you, to get your Judgment.

At every Courthouse - there should be a sign that says: "When you win a Judgment - don't expect to be paid". Of course such signs don't exist.

While court is a place to win a judgment, the court does not care if the judgment is paid. In most courts, they don't even allow social security numbers, birth date, or any other debtor information on any court paperwork. The reason given is privacy concerns. It seems that when you owe money, privacy is a primary concern.

The only information on most judgments is the persons name, and the address they were served at. You must learn obscure laws and fill out complex paperwork to enforce your Judgment.

Also, you must pay lawyers, courts, process servers, private investigators, or sheriffs at every step. You pay to try to collect - you don't get refunds if the collection effort fails. And as the economy slides, governments and courts are raising their fees and reducing their services.

The enemies of a successful Judgment Collection are small judgments and poor (or old or sick) debtors. When a Judgment is small (e.g. less than $12,000), it's too small to be worth paying a lawyer to help you collect a Judgment. When the Judgment is very small (e.g. less than $2,000) it's too small to interest most Judgment Enforcers.

When a debtor is poor, nothing can be done, except convince them to pay tiny amounts or hope things improve for them. Improvement can mean the economy improves, they inherit something, or win the lotto. The same problem comes up when you sue a company that is now broke.

When the debtor is old (or disabled), many assets such as retirement funds, disability, and social security is off limits - even if the debtor defrauded you. An old slogan comes to mind - "Youth and skill" is no match for "old age and treachery".

The economy is not helping people recover their Judgments. There was a time when all you had to do was record a lien on property, and you would be paid. That's no longer a reliable way to be paid.

Now a better case, your Judgment is against a rich young person with assets in their own name. Basically the pattern is: Identify an asset, fill out paperwork, and pay the court, sheriff, and sometimes others, to seize the asset. Then wait to see if the seizure works. Sometimes it does not work. One example is when there is another wage garnishment ahead of yours.

Except for bank account and wage levies, and advanced procedures like assignment orders - all other assets must be sold at auction. As an example, you can't take their TV set. You can pay the sheriff a big deposit, and have them take the TV and sell it at a public auction. If you try and have the sheriff sell something bigger - like a car or a house - you can waste thousands to sell something that does not belong to the debtor. (E.g. a property that is upside down or a leased car.)

Finally, you must always be calm and polite. If you make a mistake, you may end up owing the debtor money. The biggest mistake you can make is trying to collect on a Judgment discharged in bankruptcy.

Many rely on Judgment Collection people such as Judgment Enforcers to enforce their Judgment. Location is everything. Florida and Texas are debtor-friendly states. And Nevada, Missouri, and Arizona have special rules that make enforcing small Judgments troublesome.

In summary, the easy part is getting the Judgment. Most people end up finding a Judgment Enforcer. They are easy to find, that subject is my expertise.




Mark D. Shapiro - http://www.JudgmentBuy.com

The Important Cost of Health Insurance Saturday, December 11, 2010

Almost everybody is concerned about their health, especially today now that there are lots of rare viruses popping out unexpectedly. Health is very important in our life for if our health is put on the line, lots of things will be lost.

When your health is not in good condition you can't work well, your body will feel heavy as well as your head etc. Taking care of your health is not hard, eat healthy foods and breath fresh air. Health insurance covers the medical health of the insured; it will help not only you but also your family.

But getting health insurance is very expensive, for medical bills and medicines are also expensive these days. But why is health insurance so expensive? Let's explore this topic.

There are lots of people who want to get health coverage but find themselves without it for it is becoming more and more expensive today. The cost of health insurance varies on the plan you are going to get.

Below is a list of the things you have to pay for health insurance.

Premium: This is the monthly fee that the insured have to pay so that they can be provided health coverage and health related services like doctor's visits or the hospitalization plus the medicine the doctor prescribe. Some companies that are affiliated in some health insurance plans get their employees one.

Apart from the companies it will be paid by you, so they'll just deduct it directly from your paychecks and the other part will be paid by the company. If you get a private insurance for yourself the older you are the higher your premiums will be. If you are employed in a very dangerous job like a flight instructor or you have a chronic health condition your premiums will also be high.

Deductibles: This is the amount you have to pay out from your pockets each year; it is for health related expenses. Plus if you pay a higher deductible your premium will be paying lower premiums.

Coinsurance: There are some insurance that requires you to pay a percentage for the cost of covered health related services when you have met your annual deductible. When you have met your annual deductible plus the coinsurance, if your insurance company requires it then it might help you to save money when one of your family member go on a checkup. Your insurance might pay 80% of your doctor's fee and you only have to pay for the remaining 20 %.

Health insurance is very expensive but there is also affordable insurance that is offered. The cost of health insurance varies from the plan that you are going to choose. In choosing an insurance plan you may find one that fits you and your family. You might not need it now but maybe later in your life it will be a big help.




To get started you need to get free instant health insurance quotes that will allow you to compare health insurance online both in terms of plans but also costs, coverage, premiums and deductibles.

Gordon Smith's website is a good place to start.

Litton Art Lathe Monday, December 6, 2010

www.littonengr.com http Art Lathe by Litton Glassblowing Fiber Optic Lathes working supplies



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Debt Consolidation Mortgage Loans Can Improve Financial Stability to Homeowners

Many Americans are now feeling the pinch of high interest credit card debt, high auto loan balances, and high consumer debt. Add to this, the inflation of higher utilities, higher gasoline and higher food prices and it's no wonder divorce rates are up. A lot of consumers continue to pay the minimums on their credit card balances each month. With this habit of repayment, many won't pay their charge cards off in their lifetime.

Homeowners with consumer debt in excess of $15,000 should consider a debt consolidation loan. The right debt consolidation loan can help to reduce a homeowner's monthly expenses, increase their discretionary income and place them back on the right track financially. How does a debt consolidation loan work? In a nutshell, a debt consolidation loan will pay off the existing first mortgage and other debts thereby reducing the monthly expenses or monthly obligations the homeowner must make. The new mortgage may be a fixed rate mortgage, so the homeowner's expected payment will not fluctuate. The reduction in monthly expenses will help the overall financial stability of the homeowner by making available more cash each month. Credit card and other consumer debt interest rates are in the double digits. The right mortgage loan can have an A.P.R. below 7% which can significantly lower the amount of interest paid on the debt and also lessen the term. Once extra cash is freed up, the homeowner can apply the monthly savings to the principle balance of the mortgage thereby reducing the term of the debt. The monthly savings can also be applied to home improvements, college funds, 401K or I.R.A. accounts or it can be used just for a better lifestyle. In short, the monthly savings can be used for whatever the homeowner chooses.

Homeowners who wait until they are forced to do something often find they cannot get approved. Their credit scores might drop because of their debt load and or delinquencies. There are debt consolidation loan programs available for homeowners who have less than perfect credit and low F.I.C.O. scores. Some of these debt consolidation loan programs can help those with F.I.C.O. scores as low as 500. A mortgage expert can help you find the right debt consolidation loan to fit your needs.




Bill Burress, Nationwide Mortgage Expert can approve debt consolidation loans for those with less than perfect credit. For information on a debt consolidation loan or any of your mortgage needs, You may contact Bill Burress, Nationwide Mortgage Expert at Toll Free 1-800-239-1416. or fill out the 30 Second Inquiry Form

Bill Burress, Nationwide Mortgage Expert has over 27 years experience in the mortgage business.

Bill Burress is now approving real estate mortgage loans in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.

Copyright © 2008 Bill Burress, Nationwide Mortgage Expert. All rights reserved worldwide.

Las Vegas Lawyers Saturday, December 4, 2010

From purchasing a house to crossing the street, the legal system influences almost every facet of our society. Las Vegas lawyers help in shaping the backbone of this critical system in Las Vegas, by linking it with the society in various ways.

Most of these lawyers have specialized in only one area of the law. The most common specialties of lawyers in Las Vegas include bankruptcy, sexual harassment, divorce, driving, taxation and criminal law. Other popular areas are auto or trucking accidents, brain injuries, medical malpractice, employment, product liability, worker's compensation and wrongful death.

Finding a good Las Vegas lawyer to fight a case is not a difficult task. There is plenty of information provided on the Internet about the best lawyers in Las Vegas, their specialization and their standard fee. Also, word of mouth and the telephone directory can be very helpful.

The fee of a Las Vegas Lawyer can be pretty high, depending on the type of case and the amount of time spent on it. There are four methods of computing the legal fees. First is by 'hourly fee arrangements' which is in addition to the out-of-pocket expenses of the lawyer, such as sheriff's fees, transcripts, filing fees, drafting documents, phone calls, meetings and research. Second is the 'contingency fee arrangement', which allows the lawyer to obtain a definite percentage of any judgment amounts received by his client. This percentage generally varies from 25% to 40%.

Next is the 'flat fee arrangement', in which the lawyer will provide a legal service to his client for a fixed amount of money. Finally, in the 'percentage fee arrangement', which is generally used for administration of an estate, the fee is a fixed percentage of the money transferred. Keeping in mind that the fee charged by the lawyer is to fight for your rights, we must understand it is a small price to pay!




Las Vegas Lawyers provides detailed information on Las Vegas Lawyers, Las Vegas Bankruptcy Lawyers, Las Vegas Real Estate Lawyers, Las Vegas Personal Injury Lawyers and more. Las Vegas Lawyers is affiliated with Fort Worth Criminal Attorneys [http://www.e-fortworthattorneys.com].