assess your debt situation
correct errors and improve your credit report and score
choose the best repair strategy for your situation
prioritize your debts
negotiate with creditors to reduce debts
add positive information to your credit report
avoid identity theft and credit scams
build a solid credit history
This edition of Credit Repair is completely updated with the latest legal developments, and includes dozens of forms and letters that will help you spruce up your credit report as easily as possible!
Written by knowledge leaders in the legal cryptocurrency space, THE LAW OF BITCOIN addresses such topics as the intersection of cryptocurrencies and criminal law, taxation, anti-money laundering and counter-terrorist financing regulations, securities law, consumer protection, negotiable instruments, currency law, and financial regulation.
THE LAW OF BITCOIN will be a leading resource and go-to text both for those wishing to understand the basics of how the law affects cryptocurrency and for those in the legal community searching for sophisticated answers to more advanced questions.“It is unique because the authors concisely and objectively explain how Bitcoin and bitcoin are lawfully viewed. They provide relevant, up-to-date clarity in a space that is often nebulous, confusing and filled with conflicting partisan information. The authors arrive at what will likely be unpopular conclusions that are only possible because they are not seeking to defend special interest groups. This includes issues such as fungibility which is handled in a manner that flips the conventional narrative within the Bitcoin community on its head, yet is important for any entrepreneur, developer, investor and user in the nascent space. THE LAW OF BITCOIN is a helpful guide to novices and veterans alike.” —Tim Swanson, author of THE ANATOMY OF A MONEY-LIKE INFORMATIONAL COMMODITY and GREAT CHAIN OF NUMBERS
Don Blankenship, head of Massey Energy since the early 1990s, ran an industry that provides nearly half of America's electric power. But wealth and influence weren't enough for Blankenship and his company, as they set about destroying corporate and personal rivals, challenging the Constitution, purchasing the West Virginia judiciary, and willfully disregarding safety standards in the company's mines—in which scores died unnecessarily.
As Blankenship hobnobbed with a West Virginia Supreme Court justice in France, his company polluted the drinking water of hundreds of citizens while he himself fostered baroque vendettas against anyone who dared challenge his sovereignty over coal mining country. Just about the only thing that stood in the way of Blankenship's tyranny over a state and an industry was a pair of odd-couple attorneys, Dave Fawcett and Bruce Stanley, who undertook a legal quest to bring justice to this corner of America. From the backwoods courtrooms of West Virginia they pursued their case all the way to the U.S. Supreme Court, and to a dramatic decision declaring that the wealthy and powerful are not entitled to purchase their own brand of law.
The Price of Justice is a story of corporate corruption so far-reaching and devastating it could have been written a hundred years ago by Ida Tarbell or Lincoln Steffens. And as Laurence Leamer demonstrates in this captivating tale, because it's true, it's scarier than fiction.
Signed by President Obama on April 5, 2012, Title IV of the JOBS Act amends the 1930s-era Regulation A, making it far easier for businesses to raise growth capital through public offerings. It is, in effect, a new type of IPO but with much less regulation and cost.
Regulation A+: How the JOBS Act Creates Opportunities for Entrepreneurs and Investors spells out new processes that can and will have a dramatic impact on how companies obtain growth capital to create new jobs and bolster returns for investors. Some financial gurus believe that the new law, dubbed Regulation A+ due to the enhancements, will usher in a revolutionary period of growth and innovation comparable to our largest past economic expansions.
To date, much of the commentary on the JOBS Act has focused on Title III, which allows broader use of crowdfunding to raise up to $1 million per year. However, many entrepreneurs and economists believe that new changes to Regulation A will have a much greater impact on innovation and job creation. The best part? Regulation A+ lifts many constraints on soliciting funds and trading new stock issues. Among other things, readers of this book will learn how to take advantage of these provisions:Regulation A+ permits companies to raise up to $50 million, a tenfold increase over the old limit of $5 million, and much more than the crowdfunding provisions of the JOBS Act ($1 million). Regulation A+ allows companies to market IPOs to more people than just accredited investors and makes it easier to get the word out on offerings. Regulation A+ allows certain companies to avoid the SEC periodic reporting regimen (Form 10-K, Form 10-Q, Form 8-K, and proxy statements), provided that the number of shareholders is kept below revised thresholds. Regulation A+ exempts certain companies from many onerous and costly compliance requirements, including Sarbanes-Oxley.
In short, Regulation A+ greatly simplifies the capital-raising process, making it easier to grow companies, create jobs, and reward investors.
As a small business owner, you can’t afford to farm paperwork and contracts out to a lawyer—you have to deal with them yourself. With Legal Forms for Starting & Running a Small Business, you can act with confidence.
Here you’ll find the forms you need to start and grow your business. Each document comes with thorough, plain-English, line-by-line instructions to help you:
write contracts record minutes of meetings hire employees and consultants borrow or lend money protect your trade secrets buy a business create noncompete agreements lease commercial space prepare corporate bylaws buy real estate, and prepare an LLC operating much more. agreement
The 9th edition has been thoroughly reviewed and updated by Nolo’s experts, and provides the most up-to-date legal information for small businesses.
With Downloadable Forms Download and customize more than 65 forms to help you start and run your small business at Nolo.com (details inside).
This important book by leading telecommunications policy expert Susan Crawford explores why Americans are now paying much more but getting much less when it comes to high-speed Internet access. Using the 2011 merger between Comcast and NBC Universal as a lens, Crawford examines how we have created the biggest monopoly since the breakup of Standard Oil a century ago. In the clearest terms, this book explores how telecommunications monopolies have affected the daily lives of consumers and America's global economic standing.
In one of the first studies critically to examine the Basel Accords, Engineering the Financial Crisis reveals the crucial role that bank capital requirements and other government regulations played in the recent financial crisis. Jeffrey Friedman and Wladimir Kraus argue that by encouraging banks to invest in highly rated mortgage-backed bonds, the Basel Accords created an overconcentration of risk in the banking industry. In addition, accounting regulations required banks to reduce lending if the temporary market value of these bonds declined, as they did in 2007 and 2008 during the panic over subprime mortgage defaults.
The book begins by assessing leading theories about the crisis—deregulation, bank compensation practices, excessive leverage, "too big to fail," and Fannie Mae and Freddie Mac—and, through careful evidentiary scrutiny, debunks much of the conventional wisdom about what went wrong. It then discusses the Basel Accords and how they contributed to systemic risk. Finally, it presents an analysis of social-science expertise and the fallibility of economists and regulators. Engagingly written, theoretically inventive, yet empirically grounded, Engineering the Financial Crisis is a timely examination of the unintended—and sometimes disastrous—effects of regulation on complex economies.
Facing wage garnishment, car repossession, foreclosure, lawsuits, or collection calls? Solve Your Money Troubles provides you with the legal and practical information you need, plus sample letters and budgeting worksheets, so that you can get out of debt and make a fresh start. Learn how to:
prioritize debts and create a budget
understand your options
negotiate with creditors
stop harassment by debt collectors
deal with wage garnishment, car repossession, and foreclosure
reduce student loan payments
know what to expect if a creditor sues you
decide if bankruptcy is right for you
The new edition of Solve Your Money Troubles is updated with changes to federal student loan repayment programs, new foreclosure protections, legal information specific to your state, and the latest legal developments in the world of debt, credit, and bankruptcy.
Fortunately, you have a better alternative. "Legal Guide for Starting & Running a Small Business" clearly explains the practical and legal information you need to:
raise start-up money
choose between a sole proprietorship, partnership or LLC
get licenses and permits
buy or sell a business or franchise
negotiate a favorable lease
insure your business
hire independent contractors safely
understand small business tax rules
pick and protect a good name
resolve legal disputes
adopt the best customer policies
enter into strong contracts
cope with financial problems
The new edition updates relevant legal and tax information, such as state drug and alcohol testing laws, environmental regulations, and restrictions on home businesses, as well as provides practical advice on topics such as current trends in raising start-up money, purchasing insurance, and extending credit.
The contributors cover the practical issues on the topic on a transnational level, both in terms of the crimes and the steps taken to control them. They place an emphasis on the prevention, disruption and control of financial crime. They discuss, in eight parts, the nature and characteristics of economic and financial crime, The enterprise of crime, business crime, the financial sector at risk, fraud, corruption, The proceeds of financial and economic crime, and enforcement and control.
Academics interested in criminology, law, as well as business and legal studies students will find this book to be an invaluable resource. Practitioners, including lawyers, compliance and risk managements, law enforcement officers, and policy makers will also find the points raised to be of use.
In Working Knowledge, Catherine Fisk chronicles the legal and social transformations that led to the transfer of ownership of employee innovation from labor to management. This deeply contested development was won at the expense of workers' entrepreneurial independence and ultimately, Fisk argues, economic democracy.
By reviewing judicial decisions and legal scholarship on all aspects of employee-generated intellectual property and combing the archives of major nineteenth-century intellectual property-producing companies--including DuPont, Rand McNally, and the American Tobacco Company--Fisk makes a highly technical area of law accessible to general readers while also addressing scholarly deficiencies in the histories of labor, intellectual property, and the business of technology.
Research Handbook on Crisis Management in the Banking Sector discusses the rules that govern a bank insolvency from the perspectives of the various parties that are affected by these rules. Thus, whilst many bank insolvency rules have been enacted only recently and their application is still clouded by a host of uncertainties, this book takes the perspectives of the relevant authorities, of the bank and of the bank’s counterparties.
Providing a comprehensive approach to crisis management in the banking sector, this Handbook will prove a valuable resource for academics, postgraduate students, practitioners and international policymakers.
This regulatory framework has a deep impact on banks, bankers, and anyone that deals with them, which is the overwhelming majority of society. This high level of impact makes Banking Law and Practice an important book as well as a necessary and authoritative reference for industry professionals, students, and the public at large.
Banking Law and Practice discusses a range of topics that have a direct bearing on the day-to-day operations of banks, from contracts to how to ensure safe and secure lending. It examines the development and current state of banking legislation and regulation and facilitates bankers and their institutions to shape their practice to meet all the necessary legal and regulatory requirements.
Students, industry professionals, and the public at large will welcome the thorough and clear explanations of the legal and regulatory framework in which banks operate. This book is essential reading for candidates studying for the HKIB Associateship Examination and anyone else seeking expert knowledge of the legal and regulatory structure affecting banks in Hong Kong.
Topics covered in this book include:Contractual Relationships Code of Banking Practice Money Laundering Negotiable Instruments Law Related to Securities Bankruptcy and Insolvency
If “corporations are people too,” why isn’t anyone in jail?
A serious defect in a GM car causes accidents; Enron scams investors out of their money; banks bet on the housing market crash and win. In the race to maximize profits, corporations can behave in ways that are morally outrageous but technically legal.
In Capital Offenses, Samuel Buell draws on the unique pairing of his expertise as a Duke University law professor and his personal experience leading the investigation into Enron—the biggest white-collar crime case in U.S. history—to present an in-depth examination of business crime today
At the heart of it sits the limited liability corporation, simultaneously the bedrock of American prosperity and the reason that white-collar crime is difficult to prosecute—a brilliant legal innovation that, in its modern form, can seem impossible to regulate or even manage. By shielding employees from legal responsibility, the corporation encourages the risk-taking that drives economic growth. But its special legal status and its ever-expanding scale place daunting barriers in the way of federal and local investigators.
Detailing the complex legal frameworks that govern both corporations and the people who carry out their missions, Buell shows that deciphering business crime is rarely black or white. In lucid, thought-provoking prose, he illuminates the depths of the legal issues at stake—delving into fraudulent practices like Ponzi schemes, bad accounting, insider trading, and the art of “loopholing”—showing how every major case and each problem of law further exposes the ambivalence and instability at the core of America’s relationship with its corporations.
An expert in criminal law, Buell masterfully examines the limits of too permissive or overzealous prosecution of business crimes. Capital Offenses invites us to take a fresh look at our legal framework and learn how it can be used to effectively discipline corporations for wrongdoing, without dismantling the corporation.
Tags: IBPS, SBI, Probationary Officer, Bank PO, Bank Clerk, Bank Jobs Exams.
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.
You need a sound business plan to start a business or raise money to expand an existing one. For over 30 years, How to Write a Business Plan has helped fledgling entrepreneurs—from small service businesses and retailers to large manufacturing firms—write winning plans and get needed financing.
This bestselling book contains clear step-by-step instructions and forms to put together a convincing business plan with realistic financial projections, effective marketing strategies, and overall business goals. You’ll learn how to:
figure out if your business idea will make money determine and forecast cash flow create profit and loss forecasts prepare marketing and personnel plans find potential sources of financing, and present your well-organized plan to lenders and other backers.
The 13th edition is updated to reflect best practices for raising money (from SBA loans to equity crowdfunding).
Year:2008, 2009, 2011, 2012, 2014
*The two volumes form a comprehensive and accessible survey of the current state of the field.
*Chapters prepared by leading specialists of the area.
*Summarizes received results as well as new developments.
This book includes primary texts, reader-friendly expository explanations, and sample discussion questions. Prior knowledge of the law is not necessary in order to use and understand this book. The contents are organized into 13 substantive chapters plus two additional chapters with problem sets, making the book especially easy to use for a separate course focused on law. The book leads students through the process of understanding both what the law requires and how to analyze issues for which there is no clear legal answer. It features materials on such critical issues as how to judge the extent of Constitutional authority for government to intervene in the lives and property of American citizens. At the same time, it also captures bread-and-butter issues such as responder liability and disaster relief methods. No other book brings these components together in a logically organized, step by step fashion. The book also features case studies of high-risk scenarios including pandemic flu, together with charts and text boxes for clarification.
This book will be of interest to graduate and undergraduate students studying the major legal principles underlying emergency management and homeland security policy and operations; professionals in EM and HS; and private-sector risk managers.* Features case studies of high-risk scenarios including pandemic flu
* Offers extensive analysis of legal issues from a distinguished scholar, together with charts and text boxes for clarification
* Teaches readers how to think about issues crucial to the life and liberty of US citizens, including the limits of constitutional authority
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.
Lencsis explains that workers compensation laws were enacted on the federal and state levels in the early part of the century and have endured in the same basic form to the present. They represent a radical departure from common law concepts of negligence and damages in that they provide for statutory medical and wage-loss benefits regardless of who is at fault. Lencsis explores how insurance mechanisms in the public and private sectors are used to fund benefits and to make their delivery as secure and certain as possible. He also notes that workers compensation insurance is a major part of the property-casualty insurance business, and as such has recently become one of its most profitable areas. Lencsis' book helps readers to understand these concepts and to work with them in the day-to-day conduct of their business.
* "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.
Built upon Mr. Kohn's extensive practical experience and his scholarly research and teaching, not only is the book an essential resource for study and analysis of whistleblowing issues, but it is also a step-by-step guide for conceptualizing and litigating them. Attorneys with specialties in a wide range of fields involving whistleblower law and related policy issues will find a thoughtful, comprehensive examination, and an immediately applicable courtroom aid. It will also be important for human resource executives, labor union officers and attorneys, government contractors, and recipients of government grants, university and government libraries, federal agency executives and specialists, public interest and good government organizations-and many others who have become fascinated by this relatively new, but long-time coming, branch of the law, how it developed, and how it is being applied today.
The piercing of the corporate veil is a remedy applied, in exceptional circumstances, to prevent and punish an inappropriate use of the corporate personality. The application of this remedy and the issues it involves has been widely researched in Anglo-American jurisdictions and, until recently, little attention has been given to this subject in Latin America. This region has been through internal political conflicts that undermined economic development. However, rise of democratic governments has created the political stability necessary for investment and economic development meaning that the corporate personality is now more commonly used in Latin America. Consequently, corporate personality issues have become a subject of study in this region.
Drawing on case studies from Mexico, Colombia, Brazil and Argentina, Piercing the Corporate Veil in Latin American Jurisprudence examines the ingenuity of Latin American jurisdictions to deal with corporate personality issues and compares this method with the Anglo-American framework. Focusing in particular on the influence of two key factors- legal tradition and the uniqueness of each legal system- the author highlights both similarities and differences in the way in which the piercing of the corporate veil is applied in Latin American and Anglo-American jurisdictions.
This book will be of great interest to scholars of company and comparative law, and business studies in general.
The new edition features increased pedagogical support to outline key points and principles and improve navigation; 'notes' to encourage students to reflect on areas of complexity or controversy; and self-test questions to consolidate learning at the end of each chapter.
New to this edition:
is a detailed examination of The Civil Partnership Act 2004 and the Charities Act 2006 important case law developments such as Stack v Dowden (constructive trusts and family assets), Oxley v Hiscock (quantification of family assets), Barlow Clowes v Eurotrust (review of the test for dishonesty), Abou-Ramah v Abacha (dishonest assistance and change of position defence), AG for Zambia v Meer Care & Desai (review of the test for dishonesty), Horley Town Football Club (gifts to unincorporated association), Re Loftus (defences of limitation, estoppel and laches), Templeton Insurance v Penningtons Solicitors (Quistclose trust and damages) and many more are new chapters on the equitable remedies of specific performance, injunctions, rectification, rescission and account are extracts from the Law Commission’s Reports and consultation papers on ‘Sharing Homes’ and ‘Trustee Exemption Clauses’ as well as key academic literature and debates.
The structure and style of previous editions have been retained, with an emphasis on introductory text and case extracts of sufficient length to allow students to develop analytical and critical skills in reading legal judgments. Substantial author commentary helps the text give the flow, coherence and direction of a textbook whilst providing the reader with a wide range of primary and secondary material from a variety of sources.
A supporting Companion Website provides twice-annual updates to the cases and legislation discussed within the text; answers to the questions contained within the text, and sample essay questions.
This book explores how mediation law shapes the practice of mediation in the English jurisdiction. It provides a comprehensive examination of the legal framework for mediation, and explores the jurisprudence in order to analyse the extent that institutionalisation by the state and courts has led to the monopolisation by lawyers and a further ‘juridification’ process results. The book includes a comparative legal methodology on the framework underpinning mediation practise in other common law jurisdictions, including the United States, Australia, and Hong Kong, in order to explicate shared or distinctive approaches to mediation.
The book will be of great interest to academics and students of legal theory and dispute resolution.
The information is clearly presented in a logical structure and the following features support learning helping you to advance with confidence:
Clear learning outcomes at the beginning of each chapter set out the skills and knowledge you will need to get to grips with the subject
Key Facts boxes throughout each chapter allow you to progressively build and consolidate your understanding
End-of-chapter summaries provide a useful check-list for each topic
Cases and judgments are highlighted to help you find them and add them to your notes quickly
Frequent activities and self-test questions are included so you can put your knowledge into practice
Sample essay questions with annotated answers prepare you for assessment
Glossary of legal terms clarifies important definitions
This edition has been updated to include key recent changes and developments in company law, both case law and statutory. Two recent Supreme Court decisions on piercing the corporate veil, VTB Capital plc v Nutritek International Corp and others and Prest v Petrodel Resources Limited & Others, are examined, as is Popplewell J’s detailed judgment on directors’ duties in Madoff Securities International Limited (In Liquidation) v Raven and others. Important new provisions for binding votes and detailed disclosure of directors’ remuneration, changes to the company charges registration and narrative reporting regimes and new rules facilitating private company share reductions/buy-backs are outlined as are imminent developments included in the 2014 Deregulation Bill (stemming from the Government Red Tape Challenge). Commitment of the EU and UK Government to improving corporate governance of small and medium-sized enterprises (SMEs) makes core company law, the focus of this book, more relevant than ever.
The books in the Unlocking the Law Series get straight to the point and offer clear and concise coverage of the law, broken-down into bite-size sections with regular recaps to boost your confidence. They provide complete coverage of both core and popular optional law modules, presented in an innovative, visual format and are supported by a website which offers students a host of additional practice opportunities.