When one is missing, people are anxious for anyone who can provide information on his whereabouts. Rare are the people who ever plan for such unfortunate circumstance that causes great problems during the investigation. The first two days are the most crucial time. So having a plan of action and executing it quickly can make the difference between a quick and happy ending and a long, trying ordeal. The importance of having a competent evidence pick up immediately on the fresh clues before they turn cold is of unparalleled importance.
Avoid thinking negatively and stay positive, keeping high hope up. They try to take it all upon themselves, when they should be looking for help.
A good private eye with a reputable firm behind him will be able to supply invaluable information from numerous databases around the world. These private detectives who are often criticized can make a difference in the crucial moment. From fact finding and trail following to emotional support, they make life easier in a difficult situation.
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Friday, August 13, 2010
Advice for Filling Your Bankruptcy
Bankruptcy is an option for people who find themselves in over their head in debt. Often times, such overwhelming debt is due to divorce, illness or loss of employment. If you find yourself in financial distress, sometimes bankruptcy is the best option for you as it allows you to develop a plan to repay your debt or have your debt discharged through a liquidation of your assets Bankruptcy is not something that you do on the spur of the moment. Instead you consider it after a well thought out plan only after you have exhausted all your other possibilities. You may need to consider filing bankruptcy if your expenses are increasing because of divorce, job loss, or medical bills, while your income is decreasing because of the same reason. Nobody wants or plans to file bankruptcy, especially with the recent drastic changes in the bankruptcy law which makes it more difficult or even impossible for people in certain situations to even consider it. Consumers who find themselves in the undesirable situation of having
a mountain of debt may be considering filing bankruptcy. Bankruptcy is a personal thing and is also often a very emotional thing, so it is not something to enter into without a very thorough examination of your bankruptcy options and alternatives.
Filing bankruptcy or deciding to file bankruptcy is a very serious decision and should only be done when it is absolutely necessary. In my experience, however, due to human nature, general fear, moral apprehension, and yes, guilt and shame, the vast majority of people wait too long to at least seek input from a bankruptcy professional about whether filing is in their best interest. By waiting too long, consequences can be as small as paying thousands of dollars to your creditors unnecessarily (well, that's not small, but compared to other problems that occur, it is) or as large as rendering yourself completely ineligible to file because of actions you took, or didn't take, ahead of time. Under the new bankruptcy laws that went into effect in 2005, pre-bankruptcy planning is even more important than ever before.
If you can't pay off your debt within three years on the present terms, contact Consumer Credit Counselors, or a similar organization; they can help you make a budget and negotiate a repayment plan that may include a reduced or even zero interest rate on your existing debt. Creditors generally cease collection actions against those participating in CCC plans. To explore non bankruptcy alternatives, create a budget for your realistic, monthly expenditures for current living. Include mortgage and car payments, but exclude all other existing debt service.
There are two types of bankruptcy for such cases. They are Chapter 7 and Chapter 13. While Chapter 7 allows all unsecured debts to be wiped out; though you can lose your property, Chapter 13 gives regular income earners wishing to pay back their debts but can't the opportunity to do so with supervision. The court supervises such payments and a period of time is set for the payment to be made
The truth is bankruptcy is not a decision to be taken lightly; it must be considered as last resort. And don't ever think you can deceive people and get rid of your debt easily by filing as a bankrupt. You will be seriously investigated to ensure you actually lack the ability to payback what you are owing. If you think you can just file for bankruptcy and then go on spending, you have another thing coming for you.
a mountain of debt may be considering filing bankruptcy. Bankruptcy is a personal thing and is also often a very emotional thing, so it is not something to enter into without a very thorough examination of your bankruptcy options and alternatives.
Filing bankruptcy or deciding to file bankruptcy is a very serious decision and should only be done when it is absolutely necessary. In my experience, however, due to human nature, general fear, moral apprehension, and yes, guilt and shame, the vast majority of people wait too long to at least seek input from a bankruptcy professional about whether filing is in their best interest. By waiting too long, consequences can be as small as paying thousands of dollars to your creditors unnecessarily (well, that's not small, but compared to other problems that occur, it is) or as large as rendering yourself completely ineligible to file because of actions you took, or didn't take, ahead of time. Under the new bankruptcy laws that went into effect in 2005, pre-bankruptcy planning is even more important than ever before.
If you can't pay off your debt within three years on the present terms, contact Consumer Credit Counselors, or a similar organization; they can help you make a budget and negotiate a repayment plan that may include a reduced or even zero interest rate on your existing debt. Creditors generally cease collection actions against those participating in CCC plans. To explore non bankruptcy alternatives, create a budget for your realistic, monthly expenditures for current living. Include mortgage and car payments, but exclude all other existing debt service.
There are two types of bankruptcy for such cases. They are Chapter 7 and Chapter 13. While Chapter 7 allows all unsecured debts to be wiped out; though you can lose your property, Chapter 13 gives regular income earners wishing to pay back their debts but can't the opportunity to do so with supervision. The court supervises such payments and a period of time is set for the payment to be made
The truth is bankruptcy is not a decision to be taken lightly; it must be considered as last resort. And don't ever think you can deceive people and get rid of your debt easily by filing as a bankrupt. You will be seriously investigated to ensure you actually lack the ability to payback what you are owing. If you think you can just file for bankruptcy and then go on spending, you have another thing coming for you.
When Gambling Becomes a Problem
While most people enjoy casino gambling, sports betting, lottery and bingo playing for the fun and excitement it provides, others may experience gambling as an addictive and distractive habit. Statistics show that while 85 percent of the adult population in the US enjoys some type of gambling every year, between 2 and 3 percent of will develop a gambling problem and 1 percent of them are diagnosed as pathological gamblers.
Where can you draw the line between harmless gambling to problem gambling? How can you tell if you or your friend are compulsive gamblers? Here you can find answers to these questions and other questions regarding problem gambling and gambling addiction.
What is the Meaning of Problem Gambling?
Problem gambling or compulsive gambling is defined as an uncontrollable urge to gamble despite the destructive effect of gambling on the gamblers life and despite feelings of guilt and remorse. Problem gambling tends to have a negative effect on the gamblers financial state, relationships and daily life. Severe cases of problem gambling can be defined as pathological gambling.
Am I a Compulsive Gambler?
1) Do you gamble until your last penny runs out?
2) Do you gamble to win back your former losses or debts?
3) Did you ever had to borrow money to continue gamble?
4) Did your gambling habit ever made you lie to your friends or family?
5) Did you ever skip work or other obligation to gamble?
6) Do you tend to gamble to forget about your personal problems or to celebrate happy occasions?
7) Does gambling have a negative affect on your daily life or relationships?
If you have answered yes on at least one of the questions listed above, then you have a problem.
Can Anyone Become a Compulsive Gambler?
Theoretically, yes. Any gambler can develop gambling problem regardless to the type of gambling he is occupied with, the amount of money and time he is spending on gambling. Researches show that slot machines that can be found in bars and convenient stores are the most addictive type of gambling activity, while lottery draws and bingo games are located on the other end of the scale. Gambling addiction is an emotional problem; its symptoms, causes and treatments are similar to any other form of addiction.
How Can I treat Gambling Addiction?
1) Group Therapy:
Gamblers Anonymous offers a 12 step self help program similar to the one offered to alcohol addicts in Alcoholics Anonymous. Group therapy also offers gambling addicts advice and support from professional counselors and other gambling addicts in different phases of their recovery process. Gambler Anonymous centers are available in more than 1,200 locations statewide.
2) Individual Therapy:
Cognitive or behavior therapy can help gambling addicts to identify their unaware thinking and acting patterns, which led them to gamble compulsively, and to replace them with controllable and healthier ways of thinking.
3) Psychiatric Medication:
It has recently been proven that antidepressant medications from the family of SSRIs, selective serotonin reuptake inhibitors can be affective in treatment of gambling addicts.
Where can you draw the line between harmless gambling to problem gambling? How can you tell if you or your friend are compulsive gamblers? Here you can find answers to these questions and other questions regarding problem gambling and gambling addiction.
What is the Meaning of Problem Gambling?
Problem gambling or compulsive gambling is defined as an uncontrollable urge to gamble despite the destructive effect of gambling on the gamblers life and despite feelings of guilt and remorse. Problem gambling tends to have a negative effect on the gamblers financial state, relationships and daily life. Severe cases of problem gambling can be defined as pathological gambling.
Am I a Compulsive Gambler?
1) Do you gamble until your last penny runs out?
2) Do you gamble to win back your former losses or debts?
3) Did you ever had to borrow money to continue gamble?
4) Did your gambling habit ever made you lie to your friends or family?
5) Did you ever skip work or other obligation to gamble?
6) Do you tend to gamble to forget about your personal problems or to celebrate happy occasions?
7) Does gambling have a negative affect on your daily life or relationships?
If you have answered yes on at least one of the questions listed above, then you have a problem.
Can Anyone Become a Compulsive Gambler?
Theoretically, yes. Any gambler can develop gambling problem regardless to the type of gambling he is occupied with, the amount of money and time he is spending on gambling. Researches show that slot machines that can be found in bars and convenient stores are the most addictive type of gambling activity, while lottery draws and bingo games are located on the other end of the scale. Gambling addiction is an emotional problem; its symptoms, causes and treatments are similar to any other form of addiction.
How Can I treat Gambling Addiction?
1) Group Therapy:
Gamblers Anonymous offers a 12 step self help program similar to the one offered to alcohol addicts in Alcoholics Anonymous. Group therapy also offers gambling addicts advice and support from professional counselors and other gambling addicts in different phases of their recovery process. Gambler Anonymous centers are available in more than 1,200 locations statewide.
2) Individual Therapy:
Cognitive or behavior therapy can help gambling addicts to identify their unaware thinking and acting patterns, which led them to gamble compulsively, and to replace them with controllable and healthier ways of thinking.
3) Psychiatric Medication:
It has recently been proven that antidepressant medications from the family of SSRIs, selective serotonin reuptake inhibitors can be affective in treatment of gambling addicts.
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