« Older Entries

Common Bankruptcy Errors

Filing for bankruptcy is a complex process with specific rules that must be followed. Failure to follow the rules may cause a bankruptcy petition to be dismissed. When a case is dismissed, the debts are not discharged and the filer is back where he or she started – dealing with creditors, wage garnishment and financial anxiety.

Avoiding dismissal of your bankruptcy petition

A bankruptcy dismissal occurs if you fail to meet the requirements of the court. Some of the most common mistakes people make include:
- Failure to participate in pre-bankruptcy credit counseling: Before filing for bankruptcy, the bankruptcy law requires filers to take a credit counseling course. This requirement cannot be skipped. The credit counseling course is available online, is not time extensive and is affordable. It is virtually impossible to claim a bankruptcy filing had sufficient urgency that there was no time to get the required credit counseling prior to filing, so it is recommended that a potential client plan ahead, as the certificate is good for 180 days.
- Failure to provide the bankruptcy court with detailed information: The bankruptcy court is going to require a lot of documentation, including proof of income, proof of expenses, schedule of assets and a list of all creditors. The information required is comprehensive and full disclosure is mandatory.
- Failure to provide a tax return: In a Chapter 7 and Chapter 13 bankruptcy, the filer must provide the trustee with his or her most recent tax return.
- Failure to appear at the first meeting of the creditors: The filer is required to physically appear at the first meeting of the creditors, unless due to serious illness or for other good cause, such as military service, the court excuses attendance and the meeting may be held by written interrogatories.
- Failure to complete a debtor education class: In order for a person’s debts to be discharged, he or she must complete a debtor education class and submit a certificate of completion to the court by a specific deadline.
- Filing the wrong chapter of bankruptcy: Chapter 7 bankruptcy has income and asset requirements. If a person attempts to file Chapter 7 and is not eligible for that relief, the court may dismiss the petition.
- Misrepresenting debts assets and income: It is extremely important for a filer to accurately represent his or her financial circumstances. Even an honest mistake may cause a case to be dismissed or an asset or cause of action to be forfeited.
- Failure to pay under a bankruptcy repayment plan: If a person has filed for Chapter 13 bankruptcy and has a scheduled payment plan, failing to make payments may have a disastrous result.

If a filer follow the rules and is transparent to the bankruptcy court regarding his or her financial situation, the filer should not have a problem.

Find an experienced bankruptcy lawyer to help you

The best way for a person to avoid bankruptcy mistakes is to have an experienced bankruptcy attorney guide him or her through the process. Because a bankruptcy lawyer is familiar with the rules and requirements, the attorney can help determine what type of bankruptcy is best for a given individual, help the person file correctly and handle any complications. A board certified bankruptcy attorney has at least 5 years’ experience in the bankruptcy field, extra annual legal education courses to stay abreast of the law, and must pass a rigorous examination.

Contact an experienced board certified bankruptcy attorney in your area today if you have questions regarding filing for bankruptcy.

Article provided by Rothschild & Ausbrooks PLLC
Visit us at www.rothschildbklaw.com

—

Tags:

Different Types Of Fire Bricks

By and large, Fire Bricks are used in the manufacturing of a furnace or likewise heating system. Also known as Refractory Bricks, they are applied on the interior as well as exterior of a heat system to sustain heat and room temperature respectively. With excellent thermal resistance and a high insulating value, Fire Bricks can be used to improve the efficiency and lower the operating cost of almost all kinds of heating systems.

Types Of Fire Bricks And Their Uses
Different types of Fire Bricks are manufactured for different heating systems and each variety has specific features, advantages and disadvantages. Here are a few types of commonly sought-after Fire Bricks for various Heating Appliances:

Clay Bricks: Usually inexpensive, Clay Bricks are used to construct outer area of a furnace. Though they are baked at high temperatures, they can still be susceptible to cracks. They have a limited capacity to withstand extremely high temperature. Thus, these Refractory Bricks are not used in the internal parts of a kiln.
Insulation Bricks: These bricks are used in constructing the outer area of a furnace or an oven. These bricks absorb heat and prevent it from expelling in the atmosphere. Being extremely light weight, they are inexpensive as compared to its counterparts.
Dense Bricks: Dense Bricks contain silica and alumina. These bricks are known for their durability and strength and are used to manufacture different types of ovens and furnaces which may be used for both commercial as well as domestic purposes.
Heavy Duty Brick: Amongst the most expensive types of Fire Bricks, Heavy Duty Bricks contain around 50% alumina and can easily withstand extremely high temperatures. Generally used in large furnaces with high temperature, they are seldom used in an oven, as they tend to get heated more quickly.

It is due to the different features of various Fire Bricks that they have a number of application areas typically including aluminum and steel plants. They are also used as thermal shields in applications that involve extremely high temperature.

Based in Gujarat (India), J R Refractory has established itself as a reckoned Manufacturer and Exporter of Castable Refractories,Calcium Silicate Insulation Blocks, Ceramic Blanket, Fire Bricks etc. With assurance of providing superior quality Industrial Products, J R Refractory delivers nothing but the best and that too at an extremely affordable rate.

Tags:

Understanding the Differences: Osteopath vs Physiotherapist vs Chiropractor

In the field of manual therapy, there are several types of professionals who specialise in the treatment of musculoskeletal conditions. Three of the most common types of manual therapists are osteopaths, physiotherapists, and chiropractors. While these professions share some similarities, they each have unique approaches to treating patients. In this article, we’ll explore the differences between osteopaths, physiotherapists, and chiropractors.

Osteopaths
Osteopaths focus on the musculoskeletal system and how it relates to the overall health of the body. They believe that the body has the innate ability to heal itself, and that manual therapy can help facilitate this process. Osteopaths use a range of techniques, including massage, stretching, and joint mobilization, to relieve pain, improve range of motion, and restore balance to the body.

Osteopaths also take into consideration the patient’s lifestyle and environment and may offer advice on exercise, diet, and stress management. Osteopathic treatment is often holistic, addressing not only the patient’s physical symptoms but also their emotional and psychological well-being.

Physiotherapists
Physiotherapists, also known as physical therapists, are experts in movement and function. They undergo a long training and those in the UK will be registered with the Chartered Society of Physiotherapy (CSP) and Health & Care Professions Council (HCPC). They focus on restoring mobility, reducing pain, and improving strength and flexibility. Physiotherapists use a range of techniques, including exercise therapy, manual therapy, and electrotherapy, to achieve these goals. Physiotherapists may use equipment to diagnose and treat patients.

Physiotherapists also work closely with patients to develop personalised treatment plans and may offer advice on injury prevention and lifestyle modifications. In addition to treating musculoskeletal conditions, physiotherapists may also work with patients who have neurological, respiratory, or cardiovascular conditions.

Physios also specialise in sports injuries such as running or team sport injuries. They can diagnose the problem and provide effective treatment and exercises to get the individual to full mobility and recovery in many cases. Throughout the treatment, the physio will work with the sportsperson using a range of techniques to improve their flexibility and reduce pain.

Chiropractors
Chiropractors focus on the relationship between the spine and the nervous system. They believe that misalignments in the spine can interfere with the body’s ability to function properly and can lead to a range of health problems. Chiropractors use a range of techniques, including spinal manipulation, mobilisation, and soft tissue therapy, to correct spinal misalignments and restore proper function to the body.

Chiropractors also work with patients to develop personalised treatment plans and may offer advice on lifestyle modifications, such as exercise and diet. Chiropractic treatment is often focused on addressing the underlying cause of the patient’s symptoms, rather than simply treating the symptoms themselves.

So, what are the main differences between osteopaths, physiotherapists, and chiropractors? While they all focus on the musculoskeletal system, osteopaths take a holistic approach to treatment, physiotherapists focus on restoring mobility and function, and chiropractors focus on correcting spinal misalignments. The choice of which physical therapist to see will depend on the patient’s individual needs.

Tags: