First, the book will help you determine whether you qualify for Chapter 7 -- and whether it is the best way to deal with your debts. Then you'll find out how to:
stop wage garnishments and attachments
cancel as much debt as possible
deal with secured debts
keep the maximum amount of property
keep your home, if possible
ebuild credit after bankruptcy
The 19th edition is revised to include instructions on filling out the new means test forms, changes to state exemption laws (that determine what property bankruptcy filers may keep), and the latest court decisions. Plus, state and federal charts let you quickly find your state's exemption laws.
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.
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.
Packed with information, this book details all of your options so that you can make the best decisions, and get the best results, when facing foreclosure. You’ll learn about:
federal programs to help you avoid foreclosure
free help from nonprofit housing counselors
short sales and deeds in lieu of foreclosure
delaying or avoiding foreclosure with bankruptcy
foreclosure scams and how to avoid them
This new edition provides up-to-date information on the Making Home Affordable programs, foreclosure timelines and court decisions affecting homeowners’ rights.
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!
the main differences between Chapter 7 and Chapter 13 bankruptcy
whether you qualify for Chapter 7 bankruptcy (the means test)
how the Chapter 13 repayment plan works
which type of bankruptcy (7 or 13) is better in various situations
which debts are wiped out
what happens to your property, including your home, car, and retirement accounts, and
other ways to handle debt problems.
The book also outlines the bankruptcy process and includes sample, completed bankruptcy forms.
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.
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
The Personal Bankruptcy Answer Book answers the most common questions people facing personal bankruptcy have. Whether you are considering a Chapter 7, 11, 12, or 13 bankruptcy, or have already declared bankruptcy, this book will make the entire process less intimidating and scary. Some of the questions it answers includes:Can a creditor put you in jail if you don't pay your bills? What is the difference between a secured debt and an unsecured debt? a Can I get rid of my student loans by declaring bankruptcy? How long does it take to declare bankruptcy? Will I ever be able to build good credit again?
Meticulously researched and organized, this book takes the global view on corporate governance to provide insight into the corporate governance conundrum in Nigeria. Against the background of international standard, Author, Olusola A. Akinpelu proposes a number of reforms to the existing governance structure and delves into the history of corporate development from the 1960s through the present.
In addition, Akinpelu offers an in-depth analysis of the philosophical foundations for corporate governance and compiles the theories, models, statutes, reforms, international standards, guidelines, and legal cases on corporate governance in the United Kingdom, Germany, the United States of America, and elsewhere to show how no country is completely immune from corporate collapse.
A timely work, Corporate Governance Framework in Nigeria will interest students of business economics, business law, legal practitioners, and researchers in the field of corporate governance.
‘’An excellently well written book on all important subject of socio-economic value and relevance.’’
- Guoleba Seri (Esq),
Chairman/CEO, Seri Associates, LLC, NY.
Founder and President/CEO, African Chambers of Commerce, United States.
Fully revised and updated, this sixth edition continues to look at the main themes of EU law in a straightforward and logical manner. Updated to discuss the UK’s increasingly difficult relationship with the EU and recent developments in EU citizenship rights such as the Zambrano decision, this book provides the reader with a clear understanding of EU law, concentrating on how and why the law has developed as it has. A chapter on assessment guidance has been expanded to provide advice on revision, coursework and examinations on the subject of EU law.
This student-friendly text is broad in scope and highly accessible, inspiring students toward further study and showing that understanding EU law can be an enjoyable and rewarding experience.
This issue of The Yale Law Journal (the 4th issue of Volume 121, academic year 2011-2012) features articles and essays by several notable scholars. Principal contributors include Louis Kaplow (on burdens of proof and their justifications), Richard Schragger (on democracy and debt), and Anna Gelpern (on quasi-sovereign bankruptcy).
The issue also features student contributions on guilty plea colloquys for immigrants and others, and on voting rights' historical lessons from the school re-segregation cases.
A limited liability company can give your small business both tax benefits and protection from personal liability for business debts. But without careful record keeping, regular meetings, and formal minutes, you could lose these advantages.
Your Limited Liability Company provides all the instructions and forms you need to maintain the legal validity of your LLC. Forms include:
• Call of Meeting
• Notice of Meeting
• Certification of Mailing of Notice
• Membership Voting Proxy
• Minutes of LLC Meeting
• Waiver of Notice of Meeting
• Approval of LLC Minutes
• Written Consents for Single-Member LLCs
You’ll also find more than 50 of the most commonly used legal resolutions to insert in your minutes or written consents. Use them to:
• declare distributions of LLC profits to members
• hire employees and contract with outside firms
• approve LLC contracts
• approve salary increases and bonuses
• authorize bank loans
• elect corporate tax treatment for your LLC, and
• amend the articles and operating agreement.
• 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.
Written as a fascinating and enjoyable conversation between the authors – Stefan Olander, Vice President of Digital Sport from Nike and Ajaz Ahmed founder and Chairman AKQA – Velocity's up-to-date examples illustrate key lessons, together with insights, ideas and inspiration that individuals and businesses should adopt to thrive in the digital age.
Velocity shares the vision and values required to succeed with the untold backstories to influential and iconic innovation. Fast paced, useful, provocative and highly motivating, Velocity is a management book that will arm you with actionable ideas to define your future.
- 4 Velocity principles: Speed, Direction, Acceleration, Discipline.
- 7 Laws, including 'A Smith & Wesson beats four aces', 'It’s easier done than said', 'Convenient is the enemy of right' and 'No good joke survives a committee of six'.
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.
This book, in 11 sections, investigates the issues and opportunities associated with commercial transactions in the virtual world. In 29 detailed essays, this book analyses every facet of virtual world transactions, including the nature of virtual commercial transactions, virtual goods and services, transfer of virtual property, issues of negotiable instruments, remedies for buyers and sellers in the virtual world, consumer protection, dispute resolution and other related topics. Each of these sections both contributes to and advances the field of commercial law and related disciplines.
This book is an excellent source of reference for students, practitioners, academics, policy makers, and researchers as well as anyone with an interest in the exciting developments of commercial law in cyberspace.
This book is published by City University of Hong Kong Press.
Side Effects tells the tale of a gutsy assistant attorney general who, along with an unlikely whistle-blower at an Ivy League university, uncovered evidence of deception behind one of the most successful drug campaigns in history. Paxil was the world's bestselling antidepressant in 2002. Pediatric prescriptions soared, even though there was no proof that the drug performed any better than sugar pills in treating children and adolescents, and the real risks the drugs posed were withheld from the public. The New York State Attorney General's office brought an unprecedented lawsuit against giant manufacturer GlaxoSmithKline, the maker of Paxil, for consumer fraud. The successful suit launched a tidal wave of protest that changed the way drugs are tested, sold, and marketed in this country.
With meticulous research, Alison Bass shows us the underbelly of the pharmaceutical industry. She lays bare the unhealthy ties between the medical establishment, big pharma, and the FDA—relationships that place vulnerable children and adults at risk every day.
International Trade Law offers a clear overview of the complexities of an international sale transaction through informed analysis of case law, legislation, and international conventions and rules. Fully updated with changes to the law and new directions in legal debate, this new edition considers:
• Standard trade terms including INCOTERMS 2010, the Convention on International Sales of Goods 1980 and the UNIDROIT Principles for International Commercial Contracts 2004
• E-Commerce issues, including electronic bills of lading
• Insurance and payment mechanisms, such as letters of credit and the UCP 600
• International transportation of cargo, including the Rotterdam Rules
• Dispute resolution, incorporating jurisdiction, applicable law, arbitration and mediation
• Corruption and anti-corruption conventions, including the UK Bribery Act 2010
In addition to clarifying a range of topics through tables and diagrams, the book directs readers to relevant further reading and online resources throughout, offering students an accessible resource to this often challenging area of the law.
This sixth edition expands on emerging areas such as directors’ duties and corporate governance, as well as offering increased discussion of EU Company Law. Written for both law and non-law students, it offers full case citations and straightforward explanations of all key cases, as well as chapter summaries and end of chapter questions to aid student understanding. The sixth edition is also supported by a companion website offering self test questions, a useful glossary and annotated web links.
European Prudential Banking Regulation and Supervision includes discussions of the European banking market structure and of regulatory theory that both aim to circumscribe prudential concerns. It scrutinises the content of prudential norms, proposes a qualification of these norms and an assessment of their interaction with other types of norms (corporate, auditing and accounting, consumer protection, competition rules). It also features an analysis of the underpinning institutional set-up and its envisaged reforms, focusing on the typical EU concerns related to checks and balances. Finally, the book attempts to revive the debate on supervisory liability, in light of the developments discussed.
This book will be of great value to all those interested in financial stability matters (practitioners, policy-makers, students, academics), as well as to EU law scholars.
Formation and financing of corporationsLimited liability and veil piercingFiduciary duties of corporate directors, officers, and controlling shareholdersInsider tradingMergers and acquisitionsLegal capital and dividendsClose corporations
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.
* "Ice Cube Bonds: Allocating the Price of Process in Chapter 11 Bankruptcy," by Melissa B. Jacoby & Edward J. Janger
* "The Evolution of Shareholder Voting Rights: Separation of Ownership and Consumption," by Henry Hansmann & Mariana Pargendler
* Note, "Vindicating Vindictiveness: Prosecutorial Discretion and Plea Bargaining, Past and Future," by Doug Lieb
* Note, "Why Motives Matter: Reframing the Crowding Out Effect of Legal Incentives," by Emad H. Atiq
Quality ebook formatting includes fully linked footnotes, active Table of Contents (including linked Contents for individual articles), active URLs in notes, and properly presented tables and graphs throughout.