Fighting Against Foreclosure of Your Property

Between 2007 and 2014 the homes of around 4.2 million homeowners in the U.S. were foreclosed. Foreclosure, as defined by the U.S. Department of Housing and Urban Development, is a legal process wherein a creditor or mortgage lender, usually a bank, puts up for sale a loan collateral, like a house, to enable it to recover unpaid mortgages from a borrower. The process that leads to foreclosure usually starts after two to three successive months of delinquency in mortgage payment.

Foreclosure is either judicial and non-judicial. In judicial foreclosure, a mortgagee or creditor is required to file a case in court to start a foreclosure proceeding on a debtor’s property. The many months it will take for this procedure to be completed, however, will somehow works in a debtor’s favor as this will give him/her the chance to raise a legal defense which can save his/her property. There are a number of foreclosure defenses that have been resorted to in the past which have helped homeowners to save their property.

  • Servicemember on active duty. If your creditor filed a case in court to start foreclosure on your property, you are allowed to write the court to request for a postponement of the foreclosure proceeding. Protection against mortgage foreclosure is just one of the many types of protection provided by the Servicemembers Civil Relief Act (SCRA), formerly called the Soldiers’ and Sailors’ Civil Relief Act (SSCRA), for members of the military entering active duty.
  • Unconscionable (unacceptable) mortgage term. This happens when a creditor takes advantage of, misguides or deceives a borrower by designing a mortgage loan contract that is actually intended to make mortgage payment impossible, giving it the opportunity to seize and foreclose upon your property.
  • State procedures were not observed by foreclosing party. In a foreclosure procedure there are steps that the foreclosing party needs to observe, such as serving the loaner a notice of default and giving the borrower 30 days to make a payment after the notice of default has been issued. Failure to observe any of the steps required in the foreclosure procedure gives the loaned the legal right to defending against such foreclosure.
  • Foreclosing party cannot prove ownership of mortgage. There are times when the foreclosing party is not able to present ownership of mortgage. This is a common case wherein a mortgage contract has been purchased by different companies, so that ownership of the contract has passed from one owner to another.
  • Mistakes committed by the Mortgage Servicer. There have been times when a case (that will start foreclosure proceedings) was filed in court by a lender, only to find out that the bases for the foreclosure were actually mistakes committed by the mortgage servicer. These mistakes include:
    • error of crediting mortgage payment under another loaner’s name;
    • imposing very high fees or collecting fees not approved by you or by the creditor; and,
    • declaring a mortgage amount that is much higher than what you really are supposed to pay.

As explained in the website of the Bradford Law Offices, PLLC, depending on the exact nature of your situation and your own personal preferences, a number of different options for fighting Chapter 7 bankruptcy are available. These include the following:

  • Mortgage modification
  • Negotiating with lenders
  • Truth in Lending Act violation claims
  • Pursuing bankruptcy protection
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Subsys Spray Use, Dosage, And Risk Information

Subsys spray contains fentanyl, a drug used for treating breakthrough pain in cancer patients. Fentanyl is a type of narcotics analgesics. The website of Williams Kherkher reveals that subsys spray is 100 times more potent than morphine in providing pain relief. Fentanyl works in the central nervous system when relieving pain. Considering its potency and being subject to abuse, the drug is only made available with a doctor’s prescription.

It is worth noting that subsys is not designed to replace other fentanyl containing treatments. It is only available from a registered pharmacy under a special program. To be able to take the medicine, you must be registered in the program and understand the risks and benefits of subsys spray. You should stop using the drug if you are already being treated with a similar opioid pain medicine and your body is tolerant to it. Consult your doctor if you are not sure that you are opioid tolerant.

Inform your doctor if you are taking antibiotics or medicines for treating high blood pressure, heart rhythm disorders, depression, or viral infections. Fentanyl can interact with some medicines and can have drastic effects on your breathing. Fentanyl can slow or stop your breathing. You should never use it in larger amounts or longer than what was prescribed. Misuse of narcotic pain medication results to addiction, overdose, or even death.

It is also the potent nature of fentanyl that prompted doctors to only prescribe the drug to eligible patients and that appropriate dosage is administered. Recently, fentanyl users have filed lawsuits against doctors who improperly prescribe subsys to patients. Recent cases have also been directed towards Insys Therapeutics, the manufacturer of Subsys after it allegedly marketed the drug to the wrong patients. Such actions by the manufacturer as well as some doctors have resulted to injuries and death of the patient.

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Benefits of Asphalt Roofing Shingles

While what type of roof you want your house, office or building to have depends entirely on you, there are still certain factors that you will need to consider. These things may limit your option regarding the type of roofing system you can have, but definitely not the aesthetic design, color and, probably, material that you want your roof to have.

These factors include the roof’s life expectancy, strength (especially during natural disasters), material (whether it is Eco-friendly and recyclable), effect on the style of your house or office, cost and if it is allowed by local building codes.

Currently, the most common roofing material used for residential roofing applications in the U.S. is roof shingles, particularly, fiberglass-based asphalt roofing shingles. Roof shingles consist of individual overlapping elements, which are typically flat and rectangular shaped. These elements, which may be made of materials, such as wood, plastic, slate, metal, flagstone, fiber cement, and composite material like asphalt are laid in courses starting from the bottom edge to the top of the roof, each course overlapping the joints below. Besides contributing greatly to a building’s aesthetic appearance, roof shingles can be installed easily, are relatively affordable, and can last from 20 to 50 years.

As one of the referred roofing materials for homes, Asphalt shingles are relatively cheap, available in different colors and designs, and are the easiest roofing materials to install; some are even designed to replicate the appearance of wood shake, tile, or other more expensive type of roofing materials. Asphalt shingles are also Eco-Friendly, provides protection from ultraviolet rays (UV) and may pass Energy Star standards for a cool roof if these are coated.

Asphalt shingles come in two styles: 3-tab and architectural, also called laminated or dimensional. Compared to 3-tab shingles, architectural shingles are thicker, more durable, have various sizes and shapes. Due to constant exposure to bad weather, as well as too much sun, rain, hail, high wind, snow, and extreme temperatures conditions, however, its life expectancy of 30 to 50 years can be cut to 24 to 30 years – still longer compared to the 15 to 18 years life of 3-tab shingles.

Because these are thicker than 3-tab shingles (to provide better protection for your home and keep out moisture), architectural shingles necessarily cost more; these also provide more aesthetic appeal to your home.

In the website of Best Roofing, it is stated that the popularity of shingle roofing system has resulted to four out of every five homes being roofed with shingles. Also, once installed, a shingle roofing system requires virtually no regularly scheduled maintenance as is required with other roofing systems. Shingles can also be easily repaired if damaged and replacement, if necessary, involves only individual shingles instead of the entire field of the roof.

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Tips for Getting The Right Car Insurance Quote

Having car insurance is a requirement in the United States. Getting involved in accidents and crashes can prove too costly on your part. But given the wide variety of options, finding the right car insurance can become a daunting task. This is where a car insurance quote will come in handy. Many people wonder how a car insurance quote can be helpful to them. According to Schuler, Halvorson, Weisser, Zoeller and Overbeck, P.A., quotes can help you evaluate your options.

Online quotes can help make shopping around for a car insurance less daunting. But just like shopping for items, you need to be specific or accurate with what you want to see on your car insurance quote. Here are some pointers on getting the exact information you need for quote:

1. Understand Your Needs

When scouting for car insurance, come up with a list of your requirements from your insurance policy. The first thing you need to decide on is the coverage. Make sure to include liability insurance as this is required by the state. Aside from that, you might be interested with additional coverage, such as collision or comprehensive insurance.

2. Determine Your Budget

The amount of your car insurance will depend on how much you can afford. The higher your budget, the higher insurance premium you can pay. It may give you more flexibility on the deductible, the coverage limit, and the additional coverage.

3. Know Your Driving History

Your driving record will have a major role in your insurance rates. Insurance companies base their rates on how likely you are to get involved in an accident. Every accident or violation tickets will affect the amount of insurance that will be quoted. Insurance companies will check your driving record so be truthful as possible.

When shopping for car insurance, it is best to get as many quotes as you can to increase the odds that you will get the right insurance policy. Remember the first company that you encounter will not always offer the best quote.

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Premises Liability

Accidents that occur within a place or home owned with a certain party of proper maintenance because of dangerous conditions and lack fall under a legal idea called premises liability. These circumstances lead to injuries that could cause very serious consequences for the casualty. Irresponsible homeowners held accountable by the tribunal and can be found liable for an accident. Typically, property owners are anticipated to cause the maintenance and upkeep of all services inside their home. Failure to fulfill these expectations could cause a critical injury which could have otherwise been avoided.

The internet site of the Hankey Law Office records that instances of premises accountability usually include injuries caused by elevators or escalators, slip-and-fall accidents, veranda and stairway failure, fires, and poisoning resulting from the presence of mercury or lead paint within the premises. Other varieties of toxic exposure that takes place in the home or a given premise also can have serious effects on a person’s wellbeing. Dirty water sources which lead to illnesses, for example, Legionnaires disease is another instance of a premises liability situation.

How a premises liability situation will be determined by a judge depends on the harshness of the accident. An invitee is an individual that comes to a specified property or premises for commercial or business purposes. This consists of employees who come for their workplace, or clients who come to some restaurant. A permit, meanwhile, refers to a person who visits with a house for another purpose than what was previously mentioned. This consists of individuals who come as a guest to your friend’s house. Finally, a trespasser is someone who goes in the property or premises while uninvited or unwelcome. By using an invitee and licensee, it’s from every one of these three circumstances that landowners possess the most responsibility towards.

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Dangers on Board: The Risk of Legionnaires’ Disease on Cruise Ships

While cruise ship vacations promise to be filled with excitement, relaxation, and adventure, there are still some dangers lurking on board that passengers should be aware of. As with anything, travelling by cruise ship pose several risks that can easily be mitigated by the operator’s careful diligence. Without proper safety precautions and regulations, these risks can become a real concern. One of the most pressing risks on cruise ships is the danger of contracting Legionnaires’ disease from contaminated water sources.

A serious medical condition, Legionnaires’ disease is caused by the Legionella bacteria that thrive in warm water. Hot tubs, swimming pools, and fountain parks are some of the most common sources of a Legionella outbreak. Simply inhaling mist or vapor coming from these contaminated water sources is enough to infect an individual. Considering that these facilities are common in plenty of cruise ship, the threat of contracting Legionnaires’ disease while on vacation should be something that all passengers are aware of.

Legionnaires’ disease causes symptoms that are similar to pneumonia. The first signs of illness can be observed anytime around 2 to 14 days following initial exposure. A patient with Legionnaires’ diseases can expect to suffer from a high fever, intense headaches, muscle aches, coughing, and some difficulty breathing. The condition can also cause gastrointestinal issues in some patients. Without prompt medical treatment, Legionnaires’ disease can be extremely dangerous and cause respiratory failure and infections to vital organs. As such, it’s crucial that patients have access to an antibiotic regimen prescribed by their physician.

Passengers that become exposed to Legionella contaminated water can also suffer from a milder version of Legionnaires’ disease called Pontiac Fever. This can cause the same symptoms that can easily clear up on its own after several days. The threat of an infection or respiratory failure is minimal.

According to this website, Legionnaires’ disease isn’t the only problem that could arise on board cruise ships. Aside from water contamination, the threat of food contamination can lead to food poisoning and other gastrointestinal problems.

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The Risk of PCB Exposure

Polychlorinated biphenyls (PCBs) production in the US stopped in 1977, but exposure is still a very real possibility. PCBs were used mainly for industrial capacitors and transformers, many of which are still being used today. Old refrigerators, air conditioners, televisions, and electrical devices may also contain PCB. PCBs can leak into the air when any of these devices are in operation, which means air in confined spaces can actually have higher levels of PCB than outdoors. Anyone in the same room or building as any machine containing PCB risks exposure through the skin or by breathing tainted air.

People can get exposed to PCBs even if they are nowhere near high concentrations of the compound. It can be through contaminated produce from South Carolina, contaminated fish or seafood from the Great Lakes area, or from contact with a leaky capacitor in the television in your home. You can also breathe in contaminated air from a building demolition. The water from your tap most likely contains PCBs as well.

PCB is everywhere, because the wind and water can carry them everywhere. They are found in drinking water, soil, and the atmosphere. Levels of Monsanto PCBs in the US have definitely gone down since it was banned. Researchers estimate that the average human took in 0.7 nanograms of PCB daily in 1991, compared to 1.9 nanograms in 1977.

However, scientists believe PCB levels will never go down to zero. PCBs can be hard to find. Manufacturers like Monsanto have been dumping PCB waste materials in rivers and landfills for decades. PCBs may lay dormant in the sediment in riverbeds for decades until something happens that disturb them, such as dredging operations. They are also hard to neutralize because it requires complex, and expensive, processes.

It is impossible to prevent some level of PCB exposure. There are massive operations to clean up areas with the worst contaminations, but it is slow going. The fact is, PCBs are here to stay. The best thing to do is not to make it worse.

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Sightseeing in Nashville: Top Tourist Attractions

Tennessee is a place that’s rich in culture and history. Tourists looking to immerse themselves in Tennessee’s capital city can do so by making several noteworthy stops throughout the sprawling metropolitan landscape. The following are just some of the most famous sites and attractions that give life to what is affectionately called ‘Music City’.

Country Music Hall of Fame and Museum

Considering the fact that country music is an integral part of Nashville’s cultural landscape, a visit to the Country Music Hall of Fame and Museum is a no-brainer. The newly refurbished compound houses the largest collection of country music treasures and memorabilia, as well as exhibits that feature country music’s biggest names.

RCA Studio B

RCA Studio B is another important stop for music history enthusiasts. Built in 1957, RCA Studio B is considered the oldest recording studio in Nashville and has witnessed the birth of music’s most legendary hits. Among the notable roster that have recorded and mastered hits inside this historic venue include Elvis Presley, Roy Orbison, Dolly Parton, and Waylon Jennings.

Bluebird Café

Nashville isn’t only a place to learn more about music history and its great legends. Visitors can also witness up-and-coming names in the country music scene by watching the performances in Bluebird Café, an intimate venue tucked inside a shopping center in the Green Hills commercial district.

The Parthenon

Tennessee visitors can take a break from the Nashville music scene by witnessing other aspects of its culture and history through the art gallery and museum in the Parthenon. The structure nestled inside Nashville’s Centennial Park is a full-scale reproduction of the historic Parthenon in Athens, Greece.

The Hermitage

Visitors looking for a deeper look into history will be satisfied by visiting the estate of the seventh U.S. president, Andrew Jackson. The plantation and museum is located just a few miles east of downtown Nashville. Covering about 1120 acres, The Hermitage houses a variety of gardens, exhibits and memorials.

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SXSW: The Festival to Be At this March!

Do the names Ryan Gosling, Sally Field, and Henry Rollins mean anything to you? Then you might have heard that they are going to be present, along with hundreds of other notable artists of this day age, this year for the South by Southwest (SXSW) Festival this March 2015!

SXSW limo ridesEven in the good old days of its conception, with a humble audience of only 700 people, in 1987 – Austin, Texas has always been the perfect location for an event such as this. A fair metropolitan that is home to the state legislature, this place is only one of the best party centrals in the country – even way back in the 19th century! Not even the Civil War could deter the celebration of art, media, and culture!

Recently, the event has also opened its doors to the sports-side of the spectrum and it was a massive hit in the previous years before and they’re bringing it back this year! Dozens of new voices as well as many distinguished guests, it is the ultimate media collaboration as people celebrate their accomplishments and achievements with one another.

Any Austin limousine company can tell you that parking at a time like this might as well be impossible. After all, there are only tens of thousands of people who come flocking in from every corner of the globe just to get a taste of the action and so many want to come in their own time, by their own way. Sure, there is freedom in independence – but there is also the relaxation, comfort, security, and luxury that only a private car service can give you. These are some of the few little bits and bobs that you can afford for yourself in order to make sure that your stay during the festival is as fun and stress-free as possible!

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Gun Crimes in Texas

Texas has some of the most liberal gun laws in the country; there is actually no age requirement for possessing a gun. Right-to-arms advocates love to point out that despite this, Texas has a much lower number of gun-related homicides in the country (65%) than states where gun laws are much more stringent such as California at 69%, Michigan at 76%, and Illinois at a whopping 86%. However, just because Texas is gun-friendly doesn’t mean there are no gun crimes that can be slapped against a clueless resident.

Under Texas law, gun owners are typically not allowed to carry their guns outside their own premises unless it is a rifle or shot gun. A person with a license to carry a concealed weapon may legally bring a handgun off their private premises except when:

  • Intoxicated
  • On certain premises (amusement park, religious worship, medical care facilities, nursing homes, and any meeting place by a government agency) with the proper warning signage as stipulated under Texas Penal Code §30.06
  • Within 1000 feet of a correctional facility where an execution has been scheduled
  • At polling places during elections
  • At any racetrack
  • Attending an interscholastic event except when the event involves handguns (shooting competitions)
  • Inside a school or education building or transport vehicle
  • At any bar or restaurant that derives more than 50% of its income from selling alcoholic beverages
  • In secured areas of any airport except if the weapon is packaged and encased as check in baggage subject to regulations

A violation of any of these conditions constitutes a gun crime and carries stiff penalties. Nevertheless, according to the website of Inglis Defense, if you are charged with a gun crime in Texas, don’t think that friendly gun laws mean you are going to get off easily, even if you had no intention of doing harm to anyone or didn’t know you were violating any laws. Ignorance of the law is not a defense. You need to consult with competent gun crime lawyers practicing in the area to get you out of this type of sticky situation.

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