Being hounded and harassed by collecting agencies is an all too common experience for millions of Americans who have lapsed in paying creditors the money they owe. These debts may be due to car loan, mortgage, personal loans, student loan, credit card debt, medical bills, utility bills, and so forth.

Failure to pay debts on time will result not only to being penalized for late payments; there are also the issues of loan interests and the amount of debts getting bigger until, due to continuous failure to make payments, the total amount of the debts would have reached an overwhelming figure, making debt settlement impossible.

It takes only about three months of continuous non-payment before creditors consider a loan as bad debt. It is during this time when creditors would refer a debtor’s account to collecting agencies which will do anything to scare debtors in order to make them pay.

With an overwhelming debt amount and the harassing tactics of collecting agencies, many debtors end up selling whatever they can and/or ask family and friends for loans, not realizing that whatever amount they come up with will only be good for one payment or two, a meager chip off from the total amount of their debt . . . and what about future payments?

On his website, Ryan J. Ruehle Attorney at Law, LLC, shares very interesting information regarding how a person can free himself or herself from overwhelming debts and have a chance at starting a new financial life: Chapter 7 Bankruptcy.

Chapter 7 is just one of the many chapters in the Bankruptcy Code of the United States. It was approved by the U.S. Congress in 1978 for the purpose of helping individuals, families and businesses with huge debts find the best (affordable) way to pay what they owe and regain control of their financial lives.

Besides offering the near-total liquidation of all their debts, Chapter 7 also offers lots of other benefits, such as the Automatic Stay, and freedom from what are considered as dischargeable debts. Automatic stay is the most immediate benefit of Chapter 7 Bankruptcy; it starts as soon as a petition for bankruptcy is filed. Automatic stay is an injunction that a court issues to stop creditors and the collecting agencies they have hired from collecting debts or enforcing liens.

Besides the phone calls, emails, text messages, letters and other harassing tactics by collecting agencies, the automatic stay also:

  • Temporarily stops any pending foreclosure
  • Stop a utility provider from disconnecting service for about 20 days (this may be extended if the debtor
    can assure payment of past due bills)
  • Stops wage garnishment. A debtor may also possibly get back his or her garnished wages after he or she
    files for bankruptcy
  • Stops all medical debt collections an any lawsuit (due to medical debt) from being filed against the
  • Temporarily stops the IRS from making collections on certain tax debts
  • Gives debtors the chance to stop their car from being repossessed
  • Stops any credit card lawsuit from continuing so long as the bankruptcy is active

Not all types of action to collect and court proceedings can be stopped by an automatic stay, however, due to their importance. The proceedings that are allowed to continue include divorce, a lawsuit seeking the establishment of paternity, certain tax proceedings and criminal proceedings; payments that need to be continued, on the other hand, include child support, alimony, payment to pension loan, payment to student loan (under certain circumstances).

Millions of bankruptcy cases are filed every year, partly because of the benefits that the automatic stay provides. Before filing a bankruptcy petition, however, it is important that a person first understands if such would be a really necessary act, besides knowing which particular bankruptcy chapter to file.

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Brachial plexus is a network of nerves that runs from your spine to your shoulders, supplying your upper extremities (fingers, hands, forearms and shoulders) with the nervous energy it needs to control muscle and movement. When this network of nerves is twisted, bruised, ruptured, ripped, or avulsed, brachial plexus injury can occur. Brachial plexus injury may obstruct the supply of nervous system to the upper extremities, making it difficult, sometimes even impossible, for someone to control his arm movement.

There are many possible causes of brachial plexus injury. Injuries from contact sports, such as basketball and football, may result in brachial plexus injury. Motorcycle and other road-related incidents may also cause this condition. In instances when a portion of the brachial plexus is damaged during labor, a type of brachial plexus injury called Erb’s palsy may occur.

Erb’s palsy is characterized by complete or partial paralysis of the biceps and the lower arm. Babies with Erb’s palsy may also have a shoulder that is “hanging” and is rotated forward. The affected wrist may also be twisted inwards, and muscle weakness is noticeable.

According to the website of the Resmini Law Offices, Erb’s palsy can primarily be a result of medical negligence. A medical staff that is reckless or untrained may “pull” the baby harshly during labor, lugging the baby’s head away from its shoulder and causing brachial plexus damage. Wrong instrumentation during assisted delivery may also increase the risk of Erb’s palsy. Other factors associated with Erb’s palsy include mother’s small pelvic size, baby’s large size, heavy birth weight, and breech position.

Children with untreated Erb’s palsy may have an affected arm that’s smaller in girth and in length, and may also suffer from muscle atrophy (weakness). As such, it is important that Erb’s palsy is treated, either with surgery, with physical therapy, or both, to prevent these life-long complications.

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Just as with every state in the US, California has laws that are used to punish people who have been found guilty of domestic and/or spousal abuse, domestic violence, corporal injury, and/or battery. The charges can either be a misdemeanor or a felony charge, depending on the details of each case. Because of the complexity that domestic violence and abuse cause, victims are often not given the option to “drop the charges” against the abuser once the charges has been filed and the investigation has begun. It is very common for prosecutors to seek the maximum penalties towards those charged, regardless of whether the victim retracts their statements or allegations.

According to the website of Williams Kherkher, a domestic violence charge is often filed when a loud argument leads to a physical alteration. When the police are called (either by the victim or anyone who heard the attack), they will be taking official statements from the alleged victim and if there are injuries that are identified by police, they will be photographed for evidence. Even the smallest of injuries are enough for the police to press charges and it can be difficult to dismiss a domestic violence case (also known as Penal Code 273.5 PC) once they have begun acquiring evidence.

Because the penalties for a domestic violation can be harsh and severe, many lawyers have various defenses to prevent such penalties. Accidental injuries, self defense, and even false claims are often used as defense from domestic violence charges, which is why it is important to find the right lawyers who not only understands the specifics of your case, but also knowledgeable and experience in handling domestic violence cases. Damages from domestic violence are not only physical, but also emotional and psychological.

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In the mood for a good meal or even just a cheeky drink while in the great city of Milwaukee? There are plenty of great restaurants and bars all around but there is one such gem that has remained quite hidden for quite some time. It is a definite must to pop around for a little visit to the County Clare Irish Inn & Pub for a memory worth remembering.

County Clare fits perfectly with the aesthetic that seems to be the motif for most of Milwaukee’s trendier hotspots. Fit with just the right blend of artsy, vintage, and modern – this little pub has definitely earned its low-key reputation as one of the coolest places to be, if you happen to know where to look. Located in a prime corner, sitting comfortably just west of Juneau Park, it’s a bit magical – once you know it’s there, you’ll never stop seeing it at the corner of your eye.

If you find yourself at this little taste of Ireland, you should definitely try their Bloody Mary. There isn’t anything quite like it anywhere else. And if you’re pining for a Guinness, the bartenders here sure do know how to pour a good one. Also recommended are their shepherd’s pies as well as their bangers and mash (sausages and mashed potatoes, to those of you who can’t quite make heads or tails of the slang across the pond – but make the mistake of calling them British at your own expense, mate!).

Their authentic Irish breakfast is best enjoyed after a night in at the rooms they offer in-house too!

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People have the tendency to keep things for a number of reasons, and because amassing things can lead to space problems in your home, you might need to start looking for storage facilities that could accommodate to your increasing stash of belongings. Thinking of using the storage space to the utmost capacity, there are some things you need to take into consideration. According to the Pond Springs mini storage website, here some factors you should think about when looking for a good storage facility and getting the best from it.

First, consider the items that will be put into the storage area. This would greatly determine the space you will be looking for, and the type of storage area that you need. If you are simply storing a small amount of items, then you might consider looking into small, garage type spaces that could accommodate your belongings. Just make sure it isn’t too small because you need a walkway to access all the boxes. However, if your items require certain amenities, such as climate-control, multiple stories, security cameras and others, you might consider looking into indoor storage facilities. Make sure to look at these factors before getting a storage unit, otherwise you might just waste money or even damage your belongings.

Next, make sure to do your own research, and check the reviews and feedback of customers regarding the storage facilities services and personnel. Fortunately you can do this through the internet, and you can read more on this mini storage website and compare each from the other. See whether they offer special discounts, and most importantly, check if the unit you are eying is or will be available on the day you will need it. There are storage facilities that allow reservation until the day you pay or move in, while others are not as available.

Finally, before signing any contract, long-term or month-to-month basis, make sure you know the operating hours, gate hours and policies of the storage facility you are going to do business with. See if their office hours will work to your convenience, and talk about possible issues such as late or missed payments. Since each company has its own policies, make sure you understand them and that they are really the best option for you.

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The Consumer Product Safety Commission estimates that about 300 children below 5 years old die in swimming pool accidents in the US, and a further 2,000 require emergency medical treatment for accidental submersion in home pools. This is especially a problem in California, where year-round fair weather makes residential swimming pools very popular, and accidental drowning are the leading cause of death for children under 5 years old, 75% of which are between the ages of 1 and 3 years old and many under the supervision of an adult.

Those statistics are grim enough, but what is most disturbing is that about half of the children who die in above ground swimming pools and other home pools were not even supposed to be in or around the family or neighbor’s pool at all. In many cases, by the time adults notice that the child is missing, it is too late. Very young children who are submerged in water rarely scream or struggle; they simply drown. About 2% of these fatalities were trespassing on private property.

Young children are naturally curious and adventurous, and have no real concept of danger, and that makes swimming pools a very dangerous place for them. This is why pool owners are required to take stringent measures to ensure that young, unsupervised children are protected from their own curiosity. As pointed out on the website of Ritter & Associates, slippery decks can also pose a significant danger to running children, so owners have to make sure that these surfaces are not slippery. Ladders to above ground swimming pools should be removed when not in use, and in-ground pools should be fenced and equipped with child-proof locks.

Pools are an “attractive nuisance” and under the law, pool owners are responsible for keeping children away. They are liable for any injuries or deaths of children caused by their pools, even if the child is trespassing. If you or your child was injured because of the negligence of the pool owner, you have a right to seek compensation in civil court. Consult with a personal injury lawyer in your area for more information.

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On April 30, 2014, Johnson & Johnson’s power morcellator manufacturing unit Ethicon withdrew from the market its Gynecare Morcellex Tissue Morcellator, Morcellex Sigma Tissue Morcellator System, and Gynecare X-Tract Tissue Morcellator, suspended the sales and promotion of these devices and asked hospitals (with that use these devices) to return these. Ethicon’s move is in response to the FDA’s safety alert that discourages further use of power morcellators in surgical procedures that removed either the uterus or uterine fibroids.

Based on studies reported in medical literatures, power morcellators have been found to cause the spread of undetected uterine sarcoma (a cancerous tissue) beyond the uterus. As there is no available device capable of accurately detecting the presence of uterine sarcoma, a power morcellator can cause it spread during a surgical removal of uterine fibroids or myomas (which are benign tumors growing in the uterus).

Power morcellators began to be introduced in the 1990s, improving the way of performing hysterectomy, the surgical procedure for removing the female’s womb or uterus. This power device, which is capable of mincing large masses of tissues, to allow these to pass through abdominal incisions as small as 0.5-1cm, was approved by the US Food and Drug Administration to be used in laparoscopic surgeries (which are minimally-invasive surgical procedures), specifically in hysterectomy and myomectomy (which removes uterine fibroids).

The use of power morcellators in laparoscopic surgeries eventually gained popularity as their use offered benefits that were lacking in traditional hysterectomy procedures, such as abdominal hysterectomy. While abdominal hysterectomy required incisions in the abdomen that were 5 – 7 inches long, minimally invasive surgeries only needed four 0.5-1cm cuts, making the wounds heal faster, reducing possibilities of infection or complications, lessening the amount of blood loss, reducing pain, and requiring shorter recovery period or hospital confinement.

The FDA, however, see cancer development in women an unacceptable consequence of the use of the device. And while debates on whether to totally ban the use of power morcellators continue to be held, a number of lawsuits have already been filed by women diagnosed with leiomyosarcoma, the type of cancer resulting from morcellation treatment.

Women who have been treated with a power morcellator in the past will find the articles on the website of the National Injury Law Center at very informative and interesting. The articles actually talk about women’s legal rights and options after having been diagnosed with cancer after undergoing laparoscopic surgery; it also explains the necessity of being represented by a highly competent lawyer in a civil litigation.

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