Most of us are giving credit before we understand what that entails. Let’s be honest, not many high schools teach their students about how to manage their finances in the real world. This lack of educating our young people often leads them to misusing credit and eventually finding themselves in a hole. By then, damage to their credit report has been done. But just like they didn’t understand the looming dangers of over-extending their credit, they don’t understand the flipside, namely, how to now repair their bad credit.
This guide seeks to remedy this, offering those who are in a tight financial situation real solutions. Anyone who tells you that the process is easy is lying to you; it takes much longer to repair your credit than it does to damage it. Unless you suddenly strike it rich and are able to pay off your debts, you will have to remain dedicated to the repair process. Most people don’t like to hear this, but the first step to repairing your credit is to take a realistic assessment of your situation. The good news is that I’m here to help!
If you run your own business as a sole proprietorship or partnership, you’ve probably heard of the advantages of limited liability companies—especially the way an LLC can protect personal assets from business debts. But LLCs aren’t the best structure for every business.
LLC expert Anthony Mancuso clearly explains how to decide whether an LLC is right for you. Learn:
the unique legal features of LLCs, including limited personal liability for owners who should—and who shouldn’t—form an LLC how to choose among an LLC, corporation, partnership, or other business form how LLCs are taxed how to manage multiple-owner LLCs, and why an LLC can be the right choice even for a debt-troubled business.
Practical, concise and easy to read, this edition of Nolo's Quick LLC provides the latest facts, figures and updated tax information you'll need to know about this structure for your small business
Do your money problems keep you up at night worrying? Do you stress about not having any money left to pay your bills after buying basic necessities? Does it seem like no matter how much you pay off, your debt only increases? More and more people are finding themselves struggling with debt, whether it is from their massive student loans, the mortgage on their home, car loans, or credit card debt. Even those who have great paying jobs often will end up living from paycheck to paycheck.
Stop making choices that are driving you further into debt...
For the first time, two bestselling money management books have been collected into a single volume, Debt Free Forever. This definitive collection tackles some of the most serious problems those who are in debt suffer from, namely a poor credit rating and living well beyond their means. With Debt Free Forever, you will learn techniques that will help you repair your credit as well as strategies that will help you live much more frugally.
Debt Free Forever - The Definitive Collection on Living Frugally and Credit Repair contains the following two books:
Easy Credit Repair - Effective Strategies to Fix Even the Worst Credit Problems by Warren R. Sullivan
Frugal Living - Learn Proven Techniques to Help You Live Within Your Means by Nicole Harrington
Take control of your life and finances today! Debt Free Forever is your first step to a better tomorrow!
If you’re one of the millions of Americans in danger of losing your house, The Foreclosure Survival Guide provides the practical information you need, including:
the ins and outs of foreclosure
how to decide if you should try to keep your house
federal programs to help you avoid foreclosure
alternatives to foreclosure, such as short sales and deeds in lieu
new federal foreclosure protection and mortgage servicing rules
new state foreclosure mediation programs
delaying or avoiding foreclosure with bankruptcy, and
avoiding foreclosure scams.
This edition provides up-to-date information on the Making Home Affordable programs, new federal rules, foreclosure timelines, and court decisions affecting homeowners’ rights.
Lawsuits are rampant in this country. Statistics show there is one attorney in this country for every 300 residents; there are an estimated 150,000 people in law school as we speak. On average, 80,000 lawsuits are filed each day. When you are sued, it is too late to protect your assets. You are exposed.
Fortunately, you can act now to protect yourself and family later. In this easy-to-read and comprehensive book, you will learn the simple steps you need to do to protect yourself before there is a problem. The book provides a number of worksheets to help you decide the best plan of action for your financial position and personal needs.
You will learn the ins and outs of protecting yourself and your family through legal methods, such as corporations, family limited partnerships and trusts, family saving trusts, offshore trusts corporations, and limited liability companies (LLCs).
You will learn how to reposition your assets into legal entities that you control, creating bullet-proof security. You will learn about irrevocable living trusts, creating and maintaining LLCs, equity-stripping techniques, privacy plans, durable power of attorney, bankruptcy legislation, and estate planning for high-income individuals, as well as living, testamentary, and pour-over wills. The trick is to own nothing directly but control everything legally.
Once your assets are repositioned and protected, attorneys mostly working on contingency fees are not going to sue you because they have nothing to gain, and since 98 percent of all lawsuits are only about the money, how can they legally take it from you? With the sound guidance in this book, you will be able to protect your hard earned assets.
Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company president's garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
The process of becoming a tax-exempt organization may appear intimidating, but with How to Form a Nonprofit Corporation, you can do it quickly, easily, and with confidence.
This bestselling book includes complete instructions for obtaining federal 501(c)(3) tax exemption and for qualifying for public charity status with the IRS. It will help you:
complete an IRS tax-exemption application
prepare articles of incorporation
write the bylaws of your nonprofit
create in minutes of the organizational meeting
understand your state’s specific nonprofit requirements
This edition is completely updated to reflect the latest changes in the law, and includes contact information for finding updated state-specific instructions. You'll also get information on new online services and options related to forming your nonprofit. Plus, all the forms you need are included in this complete guide.
Consumers have legal powers against aggressive creditors and debt collectors under the Fair Debt Collection Practices Act (FDCPA), the Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA) and other federal and state laws. Asserting these legal rights can make creditors and their attorneys go away. Consumers are entitled to recover money damages against creditors and collectors for even one violation of these laws. Part of the Legal Playbooks™ Series, The Debt Relief Playbook is an invaluable resource in defending against creditors, debt collectors and their attorneys.
The Debt Relief Playbook provides a roadmap to financial freedom, including sample letters, court documents, and legal references (The War Chest) that will help you stand up and fight to protect your family and preserve the American dream.
The Debt Relief Playbook is part of the Legal Playbooks™ series of publications designed to arm consumers to stand up to creditors and prevail. It is a statistical fact that one out of three debt collection lawsuits have no merit of any kind! By timely raising legal claims and defenses creditors and their attorneys will go away in defeat. Federal laws include loan forgiveness regulations for student loans, legal defenses which remove all liability on civil debts, and remedies of court-ordered discharge of all debts through bankruptcy. Rights and remedies exist which will be lost if the consumer does not act timely in asserting proper legal claims and defenses.
Proper planning and an early counter-attack can eliminate the problem. When your family is under attack, it is time to fight and prevail!
At exactly 4:06 p.m. on July 18, 2013, the city of Detroit filed for bankruptcy. It was the largest municipal bankruptcy in American history—the Motor City had finally hit rock bottom. But what led to that fateful day, and how did the city survive the perilous months that followed?
In Detroit Resurrected, Nathan Bomey delivers the inside story of the fight to save Detroit against impossible odds. Bomey, who covered the bankruptcy for the Detroit Free Press, provides a gripping account of the tremendous clash between lawyers, judges, bankers, union leaders, politicians, philanthropists, and the people of Detroit themselves.
The battle to rescue this iconic city pulled together those who believed in its future—despite their differences. Help came in the form of Republican governor Rick Snyder, a technocrat who famously called himself “one tough nerd”; emergency manager Kevyn Orr, a sharp-shooting lawyer and “yellow-dog Democrat”; and judges Steven Rhodes and Gerald Rosen, the key architects of the grand bargain that would give the city a second chance at life.
Detroit had a long way to go. Facing a legacy of broken promises, the city had to seek unprecedented sacrifices from retirees and union leaders, who fought for their pensions and benefits. It had to confront the consequences of years of municipal corruption while warding off Wall Street bond insurers who demanded their money back. And it had to consider liquidating the Detroit Institute of Arts, whose world-class collection became an object of desire for the city’s numerous creditors. In a tight, suspenseful narrative, Detroit Resurrected reveals the tricky path to rescuing the city from $18 billion in debt and giving new hope to its citizens.
Based on hundreds of exclusive interviews, insider sources, and thousands of records, Detroit Resurrected gives a sweeping account of financial ruin, backroom intrigue, and political rebirth in the struggle to reinvent one of America’s iconic cities.
Louisiana Successions also includes a comprehensive checklist for the administration of successions plus adaptable forms for court pleadings.
The eBook versions of this title feature links to Lexis Advance for further legal research options.
Friedman’s Practice Series titles test your knowledge with real law school exams.
Test your knowledge of key concepts and rules with comprehensive essay and multiple-choice questions.Practice questions of various length prepare you for any exam.Experience actual exams!Get sound advice from the professors who wrote the exams.Find insight into what professors look for when grading.
You already know social media can help you find customers, strengthen relationships, and build your reputation, but if you are not careful, it also can expose your company to expensive legal issues and regulatory scrutiny. This insightful, first-of-its-kind book provides business professionals with strategies for navigating the unique legal risks arising from social, mobile, and online media. Distilling his knowledge into a 100% practical guide specifically for non-lawyers, author and seasoned business attorney, Robert McHale, steps out of the courtroom to review today’s U.S. laws related to social media and alert businesses to the common (and sometimes hidden) pitfalls to avoid. Best of all, McHale offers practical, actionable solutions, preventative measures, and valuable tips on shielding your business from social media legal exposures associated with employment screening, promotions, endorsements, user-generated content, trademarks, copyrights, privacy, security, defamation, and more...
You’ll Learn How To
• Craft legally compliant social media promotions, contests, sweepstakes, and advertising campaigns
• Write effective social media policies and implement best practices for governance
• Ensure the security of sensitive company and customer information
• Properly monitor and regulate the way your employees use social media
• Avoid high-profile social media mishaps that can instantly damage reputation, brand equity, and goodwill, and create massive potential liability
• Avoid unintentional employment and labor law violations in the use of social media in pre-employment screening
• Manage legal issues associated with game-based marketing, “virtual currencies,” and hyper-targeting
• Manage the legal risks of user-generated content (UGC)
• Protect your trademarks online, and overcome brandjacking and cybersquatting
• Understand the e-discovery implications of social media in lawsuits
The book will help you determine whether you qualify for relief and whether filing for Chapter 7 bankruptcy will help you solve your debt issues. You’ll also learn how to:
stop wage garnishments and lawsuits wipe out as much debt as possible deal with debts you’ve secured with collateral keep as much property as possible, and rebuild credit after bankruptcy
The 20th edition is revised to include instructions that will help you complete the new user-friendly bankruptcy forms, changes to state exemption laws (which determine what property bankruptcy filers can keep), and important legal updates.
Please note: This book does not cover business bankruptcies, farm reorganizations, or individual repayment plans (Chapter 13). For Chapter 13 bankruptcy, see Nolo's Chapter 13 Bankruptcy.
Here’s why you need an E&E to help you study throughout the semester:Clear explanations of each class topic, in a conversational, funny style. Features hypotheticals similar to those presented in class, with corresponding analysis so you can use them during the semester to test your understanding, and again at exam time to help you review. It offers coverage that works with ALL the major casebooks, and suits any class on a given topic.
The Examples & Explanations series has been ranked the most popular study aid among law students because it is equally as helpful from the first day of class through the final exam.
Transfers of business play an important role in today's globalised business world. In particular, employment and labour impacts of transfers of businesses are often a driving legal and business factor in national and international restructurings and M&A transactions. The successful implementation of transfers of business requires to recognise and comply with the relevant legal frameworks of the countries involved.
This publication is written by specialised employment lawyers from around the globe and addresses in-house counsels, human resources managers and legal advisors in charge of or accompanying national or international transactions.
• Hundreds of Paraguayan merchants smuggle computers, electronics, and clothing across the border to Brazil.
• Scores of laid-off San Franciscans, working without any licenses, use Twitter to sell home-cooked foods.
• Dozens of major multinationals sell products through unregistered kiosks and street vendors around the world.
When we think of the informal economy, we tend to think of crime: prostitution, gun running, drug trafficking. Stealth of Nations opens up this underground realm, showing how the worldwide informal economy deals mostly in legal products and is, in fact, a ten-trillion-dollar industry, making it the second-largest economy in the world, after that of the United States.
Having penetrated this closed world and persuaded its inhabitants to open up to him, Robert Neuwirth makes clear that this informal method of transaction dates back as far as humans have existed and traded, that it provides essential services and crucial employment that fill the gaps in formal systems, and that this unregulated market works smoothly and effectively, with its own codes and unwritten rules.
Combining a vivid travelogue with a firm grasp on global economic strategy—along with a healthy dose of irreverence and skepticism toward conventional perceptions—Neuwirth gives us an eye-opening account of a world that is always operating around us, hidden in plain sight.
From the Hardcover edition.
All chapters are accompanied by examples, suggested forms, and other materials designed to assist in the practical aspects of representing creditors, and should be helpful to both the experienced collection attorney and the novice.
Ohio Creditor's Rights also features:
• More than 100 forms
• Practical examples
• Preventive advice
Using a game theoretical framework to analyze joint venture strategy, it describes practical and legal issues that arise when creating synergies and incentive bargaining in a joint venture. With a particular focus on intellectual property law, including analysis based on many real cases, the book covers issues relating to creating synergies, corporate law issues of conflicts of interest, and antitrust law issues relating to cooperation between independent companies.
Theoretically new and practically useful, Joint Venture Strategies will appeal to academics and practicing lawyers. From a corporate perspective, this book is essential for successful joint venture planning and strategy.
Each title is keyed to the current edition of a specific casebook; it s your trusted guide to the text throughout the semester.The brief for each principal case in the casebook saves you time and helps you retain important issues. Each brief has a succinct statement of the rule of law/black letter law, description of the facts, important points of the holding and decision, and concurrences and dissents included in the casebook excerpt. This overview is combined with a short analysis: all to help you broaden your understanding and support you in classroom discussion. Quicknotes at end of each brief give you short definitions of the legal terms used. A handy Glossary of common Latin words and phrases is included in every Casenote. Detailed instruction on how to brief a case is provided for you. A free Quick Course Outline accompanies all Casenote Legal Briefs in these course areas: Civil Procedure, Constitutional Law, Contracts, Criminal Law, Criminal Procedure, Evidence, Property, and Torts.
Glannon Guides can help you better understand your classroom lecture with straightforward explanations of tough concepts with hypos that help you understand their application.
The Glannon Guide is your proven partner throughout the semester when you need a supplement to (or substitute for) classroom lecture. Here’s why you need to use Glannon Guides to help you better understand what is being taught in the classroom:It mirrors the classroom experience by teaching through explanation, interspersed with hypotheticals to illustrate application. Both correct and incorrect answers are explained; you learn why a solution does or does not work. Glannon Guides provide straightforward explanations of complex legal concepts, often in a humorous style that makes material stick.
The unique, time-tested Examples & Explanations series is invaluable to teach yourself the subject from the first day of class until your last review before the final. Each guide:
helps you learn new material by working through chapters that explain each topic in simple languagechallenges your understanding with hypotheticals similar to those presented in classprovides valuable opportunity to study for the final by reviewing the hypotheticals as well as the structure and reasoning behind the corresponding analysisquickly gets to the point in conversational style laced with humorremains a favorite among law school studentsis often recommended by professors who encourage the use of study guidesworks with ALL the major casebooks, suits any class on a given topicprovides an alternative perspective to help you understand your casebook and in-class lectures
Highlights of the new Sixth Edition:2016 2016 Amendments to F.S. Chapter 65Discussion of the recent, conflicting jurisprudence regarding F.S. 702.06 and the issue of a foreclosure plaintiff’s ability to sue at common law to recover a deficiency judgmentFlorida Supreme Court’s decision regarding the 2011 amendment to F.S. 55.03(3) and its application limited to judgments entered after July 1, 2011Personal property exemptions and automobiles as medically prescribed "health aids"Updated analysis of the legislative and judicial response to Beal Bank v. Almand & Associates, 780 So.2d 45, 58–59 (Fla. 2001)Updated analysis of the Florida Revised Limited Liability Company ActUpdated statutes and rules
LLC articles of organization
Operating agreement for member-managed LLC
LLC management operating agreement
LLC reservation of name letter
Minutes of meeting form
Find all the instructions you need, including how to create an operating agreement that covers how profits and losses are divided and major business decisions are made. You’ll also learn how to choose a unique LLC name that meets state legal requirements, and how to take care of ongoing legal and tax paperwork.
This new edition of Form Your Own Limited Liability Company has been carefully revised and updated to reflect the latest federal regulations, as well as the most current laws of all 50 states. Plus, all the forms you need are included. Interactive forms are downloadable.
Table of Contents includes selections from:
• Business Corporations (Title 14, Chapter 2)
• Nonprofit Corporations (Title 14, Chapter 3)
• Secretary of State Corporations (Title 14, Chapter 4)
• Professional Corporations (Title 14, Chapter 7)
• Limited Liability Companies (Title 14, Chapter 11)
In addition to the statutory content, this critical reference includes appendices that list contact information for the Georgia Secretary of State Corporations Division, as well as the Division's fee and cost schedules and links to web-based forms.
The eBook versions of this title feature links to Lexis Advance for further legal research options.
Estimate • Confirmation of Assignment • Invoice • Illustrator-Agent Contract • Book Publishing Contract • Collaboration Contract • Contract for the Sale of an Artwork • Contract for Receipt and Holding of Artwork • Illustrator-Gallery Contract with Record of Consignment and Statement of Account • Licensing Contract to Merchandise Images • Release Form for Models • Property Release • Permission Form • Nondisclosure Agreement for Submitting Ideas • Copyright Transfer Form • Application for Copyright Registration of Artwork • License of Rights and Electronic Rights • Contract with an Independent Contractor • Trademark Application • Commercial Lease • Sublease • Lease Assignment
The collection provides a password and link to a supplemental website, which contains all the discussed forms for both the PC and Mac platforms. Thorough discussions of legal issues relevant to the industry make this a must-read for any illustrator—established or starting out.
Allworth Press, an imprint of Skyhorse Publishing, publishes a broad range of books on the visual and performing arts, with emphasis on the business of art. Our titles cover subjects such as graphic design, theater, branding, fine art, photography, interior design, writing, acting, film, how to start careers, business and legal forms, business practices, and more. While we don't aspire to publish a New York Times bestseller or a national bestseller, we are deeply committed to quality books that help creative professionals succeed and thrive. We often publish in areas overlooked by other publishers and welcome the author whose expertise can help our audience of readers.
The author expertly goes beyond the current legal practice to explain, among other things, what approach should apply to RPM and VTR, and why RPM and VTR are introduced in situations where procompetitive theories would not make economic sense, or do not apply in practice. The book takes account of economic values, such as efficiency and welfare, as well as other values, such as freedom, fairness and free competition.
Scholars and students of law will find the book’s depth of legal, economic and historical analysis to be a rich contribution to the scholarship. This book will also be of use to EU and US practitioners, and enforcers dealing with RPM and VTR cases.
stop car repossession
reduce car loan debt
stop most debt collectors, and
remove junior liens from your home
Here, you'll find clear explanations of the Chapter 13 process and worksheets to help you:
consider alternatives to bankruptcy
decide if Chapter 13 is your best option
determine if you qualify for Chapter 13
estimate your monthly plan repayment
find and work effectively with an excellent lawyer, and
rebuild your credit after bankruptcy
This revised edition includes all the latest changes in bankruptcy law, including updated 50-state exemption tables, and important U.S. Supreme Court decisions.
If you are considering or have decided to file Chapter 13 bankruptcy, Nolo’s Chapter 13 Bankruptcy is the essential guide you need to understand the procedures and law.
Please note: This book does not cover business bankruptcies, farm reorganizations, or Chapter 7 personal bankruptcy. For Chapter 7 bankruptcy, see Nolo's How to File for Chapter 7 Bankruptcy.
This practical, task-oriented guide to the various topics in commercial litigation clearly explains how to analyze, resolve, and/or litigate the issues that can arise at every stage of a commercial dispute, from the basic corporate structures to complex questions of law, evidentiary matters, procedure and strategy. New York Commercial Litigation Guide provides easily accessed, proven, authoritative to-the-point practice guidance, enhanced by the following features:
• Over 60 task-oriented checklists
• Over 150 strategic points, warnings, and timing tips to prevent practice missteps
• Targeted cross-references to specific state and federal legislation and sources detailing the features of topics such as corporate governance, business torts, and lender liability.
Distilling years of experience from distinguished New York commercial law practitioners, New York Commercial Litigation Guide is a reliable roadmap through the complex and multi-faceted practice area of commercial litigation.
International secured transactions conventions and instruments facilitate credit and promote economic activity through the creation of harmonised rules. Therefore, given the increasing globalisation of markets, international reform efforts for the harmonised modernisation of secured transactions law have gained pace over recent years. International Secured Transactions Law draws on experiences in both English and US laws in order to identify and illustrate the existing problems that need to be addressed, as well as identify potential solutions.
International Secured Transactions Law will be of interest to scholars, students interested in international commercial law, corporate law or comparative secured transactions, and practitioners involved in international commercial transactions.