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IN THIS ISSUE:
Can Chapter 13 Bankruptcy Save Your Home?
You find yourself in a sticky situation – your mortgage payments are falling behind and fear of losing your home starts to surface. You start taking appropriate actions by speaking to your bank for a repayment plant, but may still feel that it's more than you can afford to pay. Other homeowners that have been in a similar experience often turn to filing Chapter 13 bankruptcy as a solution.
Chapter 13 bankruptcy may be a good way to save your home if you are already behind on mortgage payments. Chapter 13 bankruptcy can give you a chance to pay either all or a portion of your debts through a repayment plan. It can give you the opportunity to pay unpaid mortgage payments within three or five years, depending on your income.
If you took the picture, you wrote it, you painted it or you sang it, it can fall under copyright law. Copyright law gives owners protection for their musical, artistic, literary and other works, whether or not they are published.
Copyright registration for your idea or business is important no matter what field it is concerned with. Companies and individuals are advised to register their copyrights in anything that can be valuable in order to prevent someone else from using your copyrighted work without your permission. If they do, you as the owner may be entitled to bring an infringement action against that person. Using a quote or a sample could be an exception to this. However, when in doubt, a person should ask the owner for consent.
Everyone makes mistakes. When those mistakes make their mark on a criminal record, it can destroy goals, hopes and dreams. Just one criminal conviction can make it very difficult to find employment or make advances in your career, only adding to your embarrassment.
Luckily, California law makes it possible to get an expungement off your criminal record. An "expungement" is court-ordered process in which a criminal conviction or criminal report is "sealed."