Dealing with The Emotional Hardships of Bankruptcy

Financial pressures can be extremely stressful and hard to deal with. When the debt becomes overwhelming, filing for bankruptcy may be the only reasonable option to get you through your tough situation. Unfortunately, the bankruptcy process can add more stress to your current situation. However, to get through the process efficiently, it is essential to control your emotions.

There are some things you can do to help get through the emotional pressures of bankruptcy. It is always important to keep a positive frame of mind. You must first understand and acknowledge that you are going through a tough time, and that this process is here to help you get a fresh start so you can get your life back on track. The problem is that even the most mentally strong people must still deal with the possible stressors that come with bankruptcy.

As a person interested in stress-management techniques, I find bankruptcy to be among the primary causes of stress. When your debt gets too high, whether it’s from medical bills or other types of credit buildup, the stress can be severe because your situation may seem hopeless. Because of this, to me, it seemed that the mental techniques as described above were not enough to help manage the situation. I decided to do a little digging to see if there were any practical actions stressed debtors could do to help them get through the bankruptcy process.

I came across a thorough article that explained that the key technique to help deal with bankruptcy is to have someone on your side that knows and understands the process. With the unknown comes a sense of helplessness and desperation. The article stressed that if you have an expert on your side, they can walk you through the process and shed light on an unclear situation. Not only can a person with knowledge help you in this way, but he or she can also be someone to talk to and help give that emotional stability you need.

The same article brought to my attention another outside stressor that I failed to consider when dealing with bankruptcy: lawsuits. The article explained that pesky creditors will harass individuals with debt to collect money. The debtors are forced to deal with these lawsuits as well as the process of bankruptcy. The whole situation is complicated to tackle alone.

Bankruptcy is not the end of the road. In fact, it is to be understood as a fresh start. If you are going through bankruptcy, you need to keep this in mind, and you must always recognize that everything is going to be okay, as long as you seek an expert’s help. They will guide you through the unknown process and offer a shoulder to lean on. Bankruptcy is stressful, but the emotional pressures can be lessened.

Drivers Need to Be Reminding About Basic Car Safety

It can be easy to forget how serious of an action driving is. When you’ve been driving for years, multiple times a day, often in areas that you’ve come to know even better than the back of your hands, some complacency is going to set in. We think we have a handle on the situation, that we don’t have to be fully alert, that this time we set out in our vehicle will be just like every other time in the past. And most of the time, we’re right in thinking that. Most people will probably go their entire lives without ever being in a serious car wreck. We may come close, or have minor fender benders, but millions of people pay less attention than they should while driving every day without serious consequences.

But one wrong action at the wrong moment can be devastating. Driving is inherently a situation that’s largely out of our control. Sure, we can direct our vehicles in where to go and what to do. But we’re sharing the road with dozens, hundreds, or thousands of people, all of whom we can’t be completely aware of, and situations on the road are very subject to change. Bad weather, a crack or piece of debris in the road, or faults within our own vehicle can all lead to an accident. Most of the time, if we’re paying attention, we can react quickly enough to prevent them. But if we’re distracted, say by texting, eating, or just letting our minds wander off, we might not notice until it’s too late to do anything about it.

An especially common and particularly hazardous form of dangerous driving is intoxicated driving. Many people will try to excuse it, saying they know their limits, that they aren’t as drunk that they seem. Worst of all, some people will try to say that they’ve driven drunk before without an incident, it’s okay for them to do it again. None of these are acceptable reasons to drive drunk. Just look at the recent example in Fort Worth of a woman who was killed by a drunk driver. She had pulled to the shoulder of the road over due to a problem with her car that prevented it from driving any further. While she was inspecting it, a driver smashed into her car. She was pronounced dead at the scene when emergency services arrived to help her.

According to this law firm, tragedies like this happen every day. Sometimes, car accidents are just bad luck. But just as often they’re easily preventable and caused by careless or negligent behavior on the part of the driver. Remember: Even if you feel confident in your skills as a driver, make sure you’re always devoting your full attention to the task. Don’t text and drive, don’t eat or talk on the phone, always pay attention to the road around you, and never drive while impaired. The consequences aren’t worth it.

Tactics Used by Employers to Deny Workers Overtime Pay

Employees in the U.S. are protected by federal and state laws against employment discrimination, especially where wage and overtime pay are the issues. Besides the anti- discrimination laws, there are also laws that specifically specify the lawful number of working hours within a week, the minimum wage, who can render overtime work and the computation for overtime pay.

The Wages and Hours Bill, more commonly known as the Fair Labor Standards Act (FLSA), which the U.S. Congress passed into law in 1938, is the specific ordinance that mandates both private and public employers on just wages. But while the federal law may determine the minimum wage employees across the nation ought to receive, state laws may also determine an amount which may be higher (never lower) than the federally stated daily minimum pay.

Despite the federal law, in general, and the state law, in particular, many employees, especially undocumented workers, are robbed of the right to receive the lawful minimum pay by stubborn employers and, to get away with their acts that clearly violate the minimum wage law, employers hint on the consequence of firing anyone who may have any intent of complaining (with regard to undocumented workers, employers usually raise the issue of illegal immigration and the threat of deportation).

Employees deprived of their right to receive the minimum hourly pay determined by the government or by their state (whichever amount is higher), should never hesitate about raising a complaint to the U.S. Equal Employment Opportunity Commission (EEOC) or filing a private civil lawsuit against their employer. These same employees should also know that, contrary to their fear of being fired or being denied of the benefits due to them if they complain, the law is on their side, protecting them even from any retaliatory acts thought of by their employer or whoever the employer may think of using to perform the retaliatory acts.

As explained by the law firm Williams Kherkher, the Fair Labor Standards Act (FLSA) outlines rules employers must follow when paying employees. The FLSA defines what overtime pay is, when employees must be paid an overtime rate, and which employees are eligible for overtime. Unfortunately, many businesses in many different industries routinely make efforts to deny workers the overtime pay they are entitled to. There are various ways employers accomplish this, including but not limited to:

  • Misclassifying employees as exempt from overtime pay;
  • Miscalculating hours worked; or,
  • Illegally requiring employees to perform tasks or travel “off the clock”.

If you believe that your employer is withholding overtime pay that you are owed, know that you can recover your back wages.



When Modifications to Child Custody or Visitation Rights may be Warranted

Child custody experts and psychologists know how important it is for a child to have a strong relationship with both of his/her parents. Thus, family courts that see both spouses as fit parents, then the decision is usually joint physical custody, wherein both spouses are given equal time with their children. Joint custody is, of course, a special case as the normal decision is to grant custody to only one parent (whom the court sees as the most able to cultivate a positive relationship between the child and the non-custodial parent). Whatever decision is made, though, judges, in all U.S. states, consider one common factor: the best interest of the child.

There are times, though, when court decisions do not bring about its projected outcomes as some parents, either the one who has custody or the one with visitation rights, fail to live up to the court’s expectations, becoming neglectful in their obligations either in the proper performance of their function or in recognizing and respecting the other parent’s rights and personhood.

This failure is legally termed as visitation or custody interference, a circumstance that can force a court to modify its original decision. The following acts are considered forms of this interference:

  • Denying the non-custodial parent to enjoy his/her visitation rights in order to estrange the child from him/her.
  • Severing a child’s affections for the non-custodial parent through ill-talks, false accusations and/or negative comments
  • Consciously and systematically brainwashing the child to turn him/her against the non-custodial parent. This negative attitude is known as Parental Alienation Syndrome (PAS)
  • The custodial parent not complying with a divorce decree stipulation which says that he/she should inform the non-custodial parent about any plan of moving to another city or state, or of changing residence. Many custodial parents actually relocate to a distant location secretly in order to keep the children away from the non-custodial parent and so have the children fully to himself/herself.

Besides visitation or custody interference, other reasons that also warrant modifications to child custody arrangements include:

  • The custodial parent becoming drug or alcohol dependent, thus, making him/her an unfit parent
  • The custodial parent getting married again
  • The custodial parent passing away or developing a health problem that can restrict his/her duty in caring for the child
  • The child, upon turning 12, requests for a change in living arrangements. A court may, however, deny this request is if it sees that a change will not be in the child’s best interest

According to the website of the Arenson Law Group, PC, “Though your child custody agreement may have suited you and your former partner at the time of your divorce, the ever-changing circumstances of life can make these agreements unfitting when defining when and how you may see your child. Bearing this in mind, you may need to modify your child custody agreement in order to preserve the best interests of your child.

Thus if your circumstances have changed and you would like to talk about the legal work that is necessary to make modifications to child custody agreements, consulting with a child custody attorney may help you address your concerns and discuss what legal rights you may have to modify your agreement.”

On this same issue of modifying custodial or visitation rights, a Lewisville divorce lawyer says that it is possible to have an existing order modified should the situation change.

The DIY Homeowner’s Guide: Is it Time to Repair or Replace Your Roof?

There are plenty of people who appreciate the challenge of a good DIY project. If you’re one of these do-it-yourself types, you might have wondered how you will be able to tell when your home is in need of extra attention. Any homeowner would prefer to address any damage to their houses before this damage becomes noticeable and much more difficult to control.

When it comes to roofing damage, the following are just some signs that point to the fact the problem is minor and can be easily solved by a quick repair project.

One of the easiest signs to spot is missing shingles and shakes. This issue is likely the main cause of water damage in your ceilings and walls. Cracked or broken shingles are known to cause the same thing. A problem with flashing is another common issue with an easy solution. Watch out for signs of rusting, corrosion, and a growing gap between the flashing and where it is connected to. Make use of high-quality caulking or sealant to quickly repair flashings.

Keeping tabs on how long it has been since your roofing was first installed can also work as a quick reference on whether it’s time for a renovation and replace the materials used in your roof. Asphalt shingles, for example, are known to last just 11 to 25 years. Shingles made up of organic materials like wood can rot and will need to be replaced regularly as well.

If you’re faced with a problem that can’t be easily solved as a DIY project, do not hesitate to contact experts and ask for their assistance. There are many roofing contractors that can properly assess the situation and determine whether a repair or a replacement is best for your home.

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