Daily Archives: August 20, 2018

Declaring Bankruptcy and a Fresh Start

Businessman BankruptEven with overpowering debts, some people don’t want to entertain the idea of declaring bankruptcy. While filing for one has some repercussions, it can also give you a fresh start. If your debts are out of control and you can no longer pay your creditors, bankruptcy may liquidate your assets to repay the debts or help you create a repayment plan.

Bankruptcy attorneys from Barski Law Firm PLC note that under the protection of bankruptcy law, you can discharge or pay off your debts, depending on the type of bankruptcy you file for. Here’s how bankruptcy can give you a fresh start:

Creditors Can’t Harass You

When you file for bankruptcy, all debt collection activities stop. This means that creditors can’t call, pester, or harass you to pay back their money. Bankruptcy can allow you to live a normal life again by stopping all creditor contacts such as calls, texts, emails, letters, and subtle threats.

Stop Wage Garnishment

With wage garnishment, the court will require an employer to withhold a certain amount of an employee’s salary to make debt payments. The automatic stay in bankruptcy stops garnishment, which is also a form of collection action. While the case is proceeding, creditors cannot seek new garnishments.

You’ll Sleep Better

As bankruptcy stops credit collection and helps you start a new life, you can sleep better. There’s also less stress and reduced mental burden. Just be sure to work with an experienced bankruptcy attorney when going through a bankruptcy case. The right lawyer can answer all your questions and explain how the law applies to your situation.

You’ll Get Some Credit Education

According to the Federal Trade Commission, filing for bankruptcy protection requires to you complete a debtor education course and credit counseling from a government-approved organization. This can give you an opportunity to look back and learn how you got into trouble, as well as provide helpful tips on managing your finances better.

If you find yourself with spiraling debt and in need of a fresh start, talk to an experienced bankruptcy attorney. This is to learn more about the law and find out if bankruptcy is right for your situation.

Home Repair Mistakes Every Homeowner Should Know

Plumber writingEvery home needs a working and efficient plumbing system for it to be a comfortable and livable place. Your relaxing shower and bath can be a nightmare if your drains are clogged. Unfortunately, most homeowners don’t give this system the attention and care it deserves. If you want to keep your fixtures and your pipes flowing, you need to know about the most common plumbing mistakes to avoid.

1. Insisting on DIY repairs.

Saving on home repairs and expenses is on the mind of every homeowner. This desire pushes some to insist on fixing it themselves. For simple problems and straightforward repairs, you can do it on your own. But, every homeowner knows their limits and for your rooter services or any other complicated plumbing repairs, hire the best plumbers and rooter service in Salt Lake City, recommends All Hours Plumbing and HVAC. This will not only prevent the problem from worsening, but it will protect you from potential injuries.

2. Shoving everything down the drain.

Every homeowner ought to know that not everything can be eliminated down the drain. The kitchen sink is meant for water and other light liquids excluding the acids. When you pour oils and fats through your sink, they can build up and create a massive clog. Eggshells, bones, fruit and vegetable peelings don’t belong there. Learn to use your litter bin for this. This goes for the toilet too. Diapers and newspapers should not be flushed down the toilet.

3. Ignoring the weather.

The weather keeps changing, and so you should learn to check your plumbing system during these changes. When the winter is approaching, you need to drain all the water from the exposed pipes and remove outdoor faucets. Also, you need to insulate your pipes to prevent them from getting frozen. All this will protect you from having plumbing emergencies which can be costly.

The plumbing system is a significant investment. This is one system that will serve you well if you maintain it properly. Ignored, it can wreak havoc not only in your home but also to your bank account.