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Monday 24 June 2013

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knoxville tennessee injury lawyer Biogarphy

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Keeping raw sewage and contaminated stormwater out of the waters of the United States is one of the EPA’s national enforcement initiatives for 2011 to 2013. The initiative focuses on reducing sewer overflows, which can present a significant threat to human health and the environment. These reductions are accomplished by obtaining commitments from municipalities to implement timely, affordable solutions to these problems, including the increased use of green infrastructure and other innovative approaches.
The United States has reached similar agreements with municipalities across the country, including the following in the Southeast: Mobile and Jefferson County (Birmingham), Ala.; Atlanta and Dekalb County, Ga.; Knoxville and Nashville, Tenn.; Miami-Dade County, Fla.; and Northern Kentucky Sanitation District #1 and Louisville, Ky. The proposed consent decree with Chattanooga is subject to a 30-day public comment period and final court approval before becoming effective. A copy is available on the Department of Justice website at www.justice.gov/enrd/Consent_Decrees.html.Many times in life, situations arise where individuals might benefit from the guidance and advice of an experienced and knowledgeable attorney. Our firm is skilled in helping clients in a wide range of general litigation matters.
Chattanooga Area and North Georgia litigation lawyer, William G. Schwall, has more than 35 years of experience assisting clients settle matters through mediation, negotiation or trial. Following a free initial consultation, the firm will begin investigating all aspects of your issue including the circumstances leading to it, your goals and the motivations of the other parties. We will conduct an extensive interview with you to find out exactly what you are looking for in a successful resolution. With those facts firmly in hand, we will develop a unique case strategy for your situation.
Our firm has experience handling a wide array of general litigation disputes for residents of communities throughout Tennessee and Georgia, including:
Estate planning
Probate issues
Estate litigation
Debt collections
Breach of contract
Business litigation
Commercial and residential real estate matters
The most important thing to remember is that we have extensive experience both in trial and mediations. Through our history, we've handled nearly every problem that can come up. Our clients rely on us to stay organized, stay professional and be ready for anything. Every legal issue has a great number of challenges and distractions. We are skilled at investigative research and we will provide personal service and individual attention while working toward a successful resolution to your case.
Bankruptcy has a long-lasting impact on a person's credit rating and on his or her ability to obtain credit in the future. The impact is not entirely negative. In some cases, filing bankruptcy may actually improve a bad credit rating. In addition, there are a number of steps a person can take to improve his or her credit after bankruptcy. An experienced bankruptcy attorney at Mark T. Young & Associates in Hixson, TN, can offer valuable advice about how credit can be improved after a bankruptcy, and how to work for a better financial futureDischarge results in an improved debt-to-income ratio
Most of the debtors who consider filing bankruptcy already have poor credit histories. Their credit ratings have suffered because of slow payments, late payments, repossessions, extended credit, charge-offs, foreclosures or judgments. After their bankruptcy, however, the discharged debts will no longer count against their income, so their credit may be better after the discharge than it was before. In addition, while a bankruptcy case will remain on an individual's credit report for up to ten years; late payments stay on for up to seven years, so the effects are similar. Bankruptcy, however, gives consumers a chance to improve their credit faster because they will have an improved debt-to-income ratio after discharge.
Using credit cards wisely
In some cases, individuals may be able to keep one of their credit cards even after bankruptcy. They may retain a card that they already have but that has no debt on it, or they may reaffirm a debt on a card, which means that they sign a contract with the credit card company after filing bankruptcy that says the debt will be paid anyway if the holder is allowed to keep the card. Some companies are willing to agree to this arrangement because they will be paid for the debt, whereas without reaffirming the entire debt could be discharged in the bankruptcy proceeding.
A secured credit card is another option for rebuilding credit after a bankruptcy. A secured credit card is issued by a bank, and is backed up by money that is kept on deposit with the bank that issued the card. The bank account is the security for the card. If the bill for the credit card is not paid on time, the bank may use the money in the account to cover the payment. The limit on the card can be increased by increasing the balance in the linked bank account. The issuers of secured credit cards report about their customers to the credit bureaus, just like the issuers of other credit cards, so any subsequent positive payment history will be available to future creditors. The interest rates for secured credit cards are often higher than the rates for non-secured cards, but they still can be worth the extra cost by virtue of the redeeming value of the new and reported financial stability.
Co-signed loans
Still another way to re-establish credit after a bankruptcy is to obtain a loan with a co-signor whose positive credit convinces the bank or other lender that the loan is a safe bet. As payments are made on the cosigned loan, the positive credit history affects both borrowers.
"Credit-repair" serviceOne "credit repair" method to avoid after bankruptcy is seeking help from an unscrupulous "credit-repair service." Many consumers pay substantial sums of money to so-called "credit clinics" to "fix" their credit reports when, in actuality, only time can improve bad credit. A credit repair service or clinic can legally do nothing that a consumer cannot do on his or her own, for free. Some credit-repair companies actually encourage consumers to commit fraud by attempting to create a second identity. The Federal Trade Commission has investigated these often-fraudulent services and warns consumers to be wary of promises that seem shady or too good to be true.
Speak to a bankruptcy lawyer
In order to make the most of a bad situation, debtors must learn from bankruptcy and demonstrate greater financial responsibility in the future. A lawyer experienced in bankruptcy law at Mark T. Young & Associates in Hixson,TN, is in a strong position to advise consumers not only before and during the bankruptcy process, but also after, guiding them through the necessary steps to improve their credit ratings and avoid future financial catastrophes.

knoxville tennessee injury lawyer Wallpaper Photos Pictures Pics Images 2013