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About Me

Bankruptcy for Dummies

Bankruptcy. Whether or not we realize it, we hear about it a lot in our daily lives. Many once successful companies have declared bankruptcy amid financial troubles, and you may know someone who chose to go through the process themselves.

Many of us hear the term bankruptcy, but very few of us actually understand what the term means and what it involves. This could hurt us in the future if we decide to declare bankruptcy or one of our loved ones has elected to initiate the process. Keep reading to learn more!

Well, what is bankruptcy?

Bankruptcy is first and foremost, a legal process. Individuals file for bankruptcy when they are unable to pay back their debts to their creditors. The bankruptcy process is initiated by the person owing the debt through a court order. If you or someone you know is interested in filing for bankruptcy, you should reach out to a bankruptcy lawyer like the Central Texas Bankruptcy Attorney as soon as possible.

What do I lose?

You’re probably concerned about what you will lose if you choose to file for bankruptcy. The good news is that you do not lose everything if you elect to go through the bankruptcy process. You are legally permitted to protect your exempt property. This can range from anything from your house to your vehicles to your retirement accounts. Please be rest assured that filing for bankruptcy does not mean that you will lose everything. Don’t let that fear stop you from making the best decision both for you and your family.

Does it affect my future?

Not necessarily. Many individuals are able to get new credit cards and even purchase a new home or vehicle after filing for bankruptcy. In fact, some individuals have been able to do so during the bankruptcy process. You will not be unable to live a normal life after filing for bankruptcy. As you may know, bankruptcy remains on your credit report for 10 years.

It is also important to note that bankruptcy does not totally ruin your credit score. The best way to keep your credit score within a healthy range is to make smart financial decisions once you complete the bankruptcy process.

How Long Does the Process Last?

How long your bankruptcy lasts depends on a variety of factors. First, bankruptcy processes vary from state to state — so make sure to speak to your attorney about the laws in your state. The length of your bankruptcy process also depends on what type of bankruptcy you choose to file.

There are two main types of bankruptcy: Chapter 7 and Chapter 13 bankruptcy. Within Chapter 7 bankruptcy, your assets are completely liquidated and your trustee sells them to your creditors. In Chapter 13 bankruptcy, you create a payment plan to pay back your creditors over an agreed-upon length of time.

Again, my biggest piece of advice is to speak to an attorney about your own unique situation. They will be able to answer all of your questions and give you the best advice possible.

Mass Torts Campaigns, Explained

I am not a lawyer, nor do I play one on TV. However, I am interested in legal matters. I have long considered law school as an option, simply because of how fascinating I find many legal matters to be!

Take disputed liability cases, for example. This is essentially when two people tell conflicting stories on who is responsible for an accident or something else that causes damages. The job of a lawyer, in these cases, is to get to the bottom of the incident or accident, defend their client, and pursue a fair decision from the judge or jury. In disputed liability cases, a lawyer plays multiple roles; defender, investigator, counsel, and supporter. How endlessly cool!

Another type of legal business that I have recently discovered is “mass tort campaigns,” but before I can explain what these are, I should probably describe the business of law firms more broadly. In this article, I will describe law firms’ business infrastructure, mass tort campaigns, and more:

The business of law firms

You might be surprised to learn that law firms are not the only entities involved in the legal business. In fact, they are just one of the many types of companies that involve themselves in legal matters. Legal conversion experts, for example, are experienced workers that dedicate their business to taking potential clients and converting them to reliable clients for a law firm. There are a million law firms for every type of court case a client might want to pursue, so having a business work alongside a law firm to specifically market a firm’s skills is crucial to earning clients!

Other businesses that operate parallel to law firms include administrative agencies that deal with client paperwork or other secretarial matters. This can be important for law firms that are too busy investigating cases and defending clients to take care of administrative matters.

Mass tort campaigns

Some law firms or practices seek to pursue mass tort campaigns as a way to fight for justice and earn more clients. Mass tort campaigns are responses to a discovery that a product or service used by many people was malfunctioning or dangerous.

Here is a great example: for years, opioid medication was prescribed to people without proper warnings on its addictive nature. As a result, mass tort campaigns are waged by law firms, advertising the fact that opioid manufacturers can be sued by individuals harmed from their negligent actions. Other subjects of mass tort campaigns include:

  • Faulty machinery
  • Dangerous medical procedures
  • Carcinogenic chemicals in household products
  • Other risky ingredients in products

If a judge finds a company to be guilty of hiding the dangers of a product or service, a law firm might want to use a third-party agency to help them conduct a mass torts campaign. These campaigns advertise to potential consumers of the dangerous product and discuss the benefits of pursuing legal action against the negligent or irresponsible company.

What are Bedsores and Where are They Common?

Bedsores, commonly referred to as “pressure ulcers,” are skin complications that occur after a long period of constant pressures on particular areas of the skin. Bedsores are most common on the heels, hips, and back, but can also be found on shoulders, elbows, or even the back of the head. The constant pressure on an area of skin ultimately impairs blood flow to the region under pressure. Bedsores are most commonly found in individuals that have restricted movement.

As this helpful article by Russo, Russo, & Slania explains, bedsores are unfortunately commonly found in the elderly under the care of a nursing home. Sadly, bedsores are often the result of inadequate care and a negligent caregiver. The article estimates that 10 percent of nursing home residents suffer from bedsores. Moreover, the article expressed that bedsores are often a sign of an overall systematic failure of a nursing home to care for the inflicted elderly individual. This is a tragic realization, given that nursing home residents are admitted by family members who assume their loved ones are being adequately cared for.

Depending on the severity and stage of the bedsores, this skin condition can be extremely painful. Fortunately, if detected early enough, bedsores can be treated. In fact, simply turning or moving are ways to redistribute pressure and encourage blood flow to the affected area.

As I stated, treatability and the pain associated with bedsores often depends on how long they have been on the skin. The National Pressure Ulcer Advisor Panel has classified four injury stages of pressure ulcers. The stages are as follows:
Stage 1: Partial-thickness skin loss with exposed dermis – At this stage, the bedsore is difficult to spot, but there may be changes in sensation, temperature, or firmness on the affected area.
Stage 2: Partial-thickness skin loss with exposed dermis – At this stage, the wound appears moist and pink or red. Bedsores do not reveal fat exposure, nor does it reveal the lower layers of skin.
Stage 3: Full-thickness skin loss – Bedsores at this stage reveals fat layers of the skin. The edges of the wounded area may also appear rolled. Depending on the affected area, bedsores at this stage may reveal deep skin damage.
Stage 4: Full-thickness skin and tissue loss – At the fourth and final stage, bedsores this bad could lead to exposed muscle, tendon, ligament, or cartilage in the wounded area. At this stage, bedsores are severe.

It is important to keep an eye out for bedsores before it is too late. You do not want to find that your loved one has suffered for so long that bedsores are at a later stage as defined by the National Pressure Ulcer Advisor Panel. As the previously-mentioned article states, you should be especially vigilant for finding bedsores that have formed on your loved ones that are residing in a nursing home.

Oklahoma Traffic Rant

What is it with the traffic in Oklahoma these days? I drive the state quite a bit and it seems to me, no matter which direction I turn, I end up hitting traffic. Tulsa is no good. Oklahoma City is almost as bad. I’m even seeing it in Muskogee.

I don’t get it. The state is massive. There’s plenty of room to spread out. What’s convinced everyone to drive the same way I’m going at just the moment I need to get there.

Now, I expect this stuff when I’m heading into Dallas or Fort Worth. That place is famous for its backups, and it’s a massive city besides. But Muskogee? Come on.

It’s accidents of course. Oklahomans just don’t seem to know how to drive anymore. I’m actually glad they’ve passed a no cell phone while driving law recently. I love my phone, but the number of people I see swerving between lanes or slowing down on the interstate just to drive up next to them and see a phone in their hands, it’s maddening. Drive first, scan Tumblr later. I don’t care about the freedom issue here. I need to get somewhere, and you phone people are too busy driving badly and running into each other.

I suppose I ought to be more worried about getting hurt myself with these people on the road. Apparently, car accidents are the leading cause of injury and death in this fine state. Imagine that, right? I guess we could blame Twitter instead though. Or Budweiser.

Check out some of these statistics I found on an Oklahoma motor vehicle accident attorney website: 2015 had 694 accidents with injuries because of driver distraction in Oklahoma. That’s the FaceBook people right there. Of course, that pales in comparison to the something like 2,300 people injured due to alcohol in the same year.

And the biggest stat of all: 650 Oklahomans DIE each year because of car crashes. And something like 30,000 are injured. There are only like 50,000 people here to begin with! How do they get these people back on the road quickly enough to run into someone else?

I joke, of course. It’s serious stuff, I know, but I can’t help but be frustrated. I’m just trying to get to Muskogee for goodness’ sake. I’ve got business to do there. I can’t tell you how many times I’ve shown up late for a meeting because of the traffic caused by accidents. More than a couple times in the last month at least. And now that I’ve looked up those statistics, I’ve got a whole new set of things to worry about.

It’s almost enough to make me want to get rid of the car and start taking the bus. But then, what’s the bus going to do? Just sit in the traffic. I guess I’m stuck dealing with Oklahoma drivers no matter what.

Minimizing Signs of Aging with Fractional Rejuvenation

Skin fractional rejuvenation is a skin treatment that uses lasers to treat a number of skin conditions, such as wrinkles and other signs of photoaging. They are performed using a machine that would emit high-intensity light pulses that would penetrate and heat the deep dermis (of skin layer) and stimulates the formation of collagen and elastin. This would result in fresher and younger-looking skin.

Just as with any type of skin treatment, you have to make sure you are a good candidate for fractional rejuvenation. Talking with your dermatologist can help you understand if the procedure or treatment is right for you, but here are some things that can make you unqualified for a fractional rejuvenation skin treatment:

  • You have a history of skin scarring (such as keloid or hypertropic)
  • You are suffering from a bacterial or viral skin infection
  • You are suffering from blood flow, immune, or skin disorders which can cause healing complications
  • If you are suffering from acne and is using isotretinoin, or have used it within the past 6 to 12 months (it can increase chances of scarring after the treatment)
  • If you have earlier fractional rejuvenation treatments that resulted in changes in skin color, scarring, or fibrosis (thickened tissue)

Factors such as skin color can make results of fractional rejuvenation differ – darker skin tones tend to heal differently from lighter skin toned people. In order to get the best results from your fractional skin rejuvenation treatment, consider a combination of other techniques, such as chemical peels or dermabrasion. Your dermatologist would be able to suggest the best option or method for your skin type and condition.

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