Do You Have at Least $10,000 in Credit Card Debt? Find Out How You Can Legally Eliminate Up to 50%

It is no secret than in the past few years the amount of credit card that each and every American family has, has gone through the roof. Did you know that 1 in every 73 Americans will file for bankruptcy, that there are 30,000 foreclosures each week? That’s right, people are facing really tough economic times and most are desperate to find a way to legally get rid of credit card debt.

Avoid Lawsuits And Further Problems

When you have $10K or more in credit card debt, it is time that you take this problem seriously and that you find help fast. Most people don’t know what to do and they bury their heads in the sand hoping that the problem is simply going to go away on its own. Listen, it is not going to go away and your creditors will come after you for everything you own. They have the right to sue you, reposes your property and garnish your wages. And more often than not, they will!

“Get Me Out Of Debt!”

Look, if you are desperate to find a way to get rid of credit card legally while avoiding bankruptcy, then a debt settlement deal can be your way out. A debt settlement service will deal with your creditors on your behalf and get them to reduce your debt up to 50%, eliminate fees and penalties and reducing interests.

You can be debt free in 12 to 36 months and get back on your feet financially. All you really need to do is fill out a quick form that will get you started on your road back to economic independence and a DEBT-FREE LIFE.

Perversity of the American Justice System

It is common place to hear of harsh punishments dished out fairly regularly in the USA. Draconian punishments of the sort would be unthinkable of in Western Europe. This article attempts to give a few reasons for the differences without claiming to offer a conclusive explanation. This is the first article of a series of articles on this subject. This will give a quick preview of the topics I will discuss with in-depth detail.

1)Sensational tabloid style newspapers

Often front page sensational news of a excessively brutal crime are reported backed up with graphic details. This is further promoted by televised news reporters of incidents with heavy competition for viewers. A particularly brutal crime such as that of the Belgian M. Dutroux or more recently the incredible story of Natasha Kampusch tend to bias the public into thinking that most crimes are brutal. Nothing is further from the truth. In fact the majority of incarcerated persons are not there for homicides, but rather for less sensational crimes such as theft. Electors often vote based on the most recent news, also known as the accessibility bias (In general, the argument stipulates that information that can be more easily retrieved from memory tends to dominate judgments, opinions and decisions).

2)Electoral system

Direct voting systems: When a politicians political career depends on winning the most votes, the type arguments that appeal to the masses are simple messages. These tend to be simple things that appeal to the general public’s basic needs – protection being one of these. Politicians who take a tough stance against crime often stand a better chance of winning. This is often related to point 1 above as politicians with greater sources of funding will have more visibility via marketing of their views (increase accessibility bias above).

3)Three strikes law and mandatory minimal sentences

The three strikes law and the resulting minimal sentences laws in some American states would simply be not acceptable in Europe. These are flawed systems based on flawed reasoning. Basically these laws stipulate that a person convicted at least three times for a felony will be sentenced to a mandatory 25 years imprisonment. This can lead to perverse situations where three thefts of three flat screen televisions lead to 25 years imprisonment – in many European countries not even murder gets such a heavy punishment.

4)American legal system and plea bargaining

Within the American judicial system, contrary to what is often aired on police television series, roughly three quarters of persons charged with a crime end up with a plea bargain. A particularly perverse consequence of the three strikes law is the case when a person is presented with the following dilemma. He has already two former felony counts. He is on his third strike against a prosecutor with a weak case. The prosecutor offers that he plead guilty and get 20 years’ imprisonment or plead non guilty and risk 25 years if convicted. An innocent person (typically poor thus cannot afford a lawyer) would be advised by a state appointed, over worked lawyer to plead guilty.

Of course this is not an extensive list. However these address some of the core differences that distinguish western European legal systems and attitudes towards crime to those of the Americans. I will publish subsequently an article to discuss each point above. Although no conclusion can be drawn from the information provided above, there is clearly a base for discussion and further explanation. Comments are much appreciated – if you have any feedback, it could be useful when writing the subsequent articles.

Tough Immigration Law in Arizona May Have Gone Over the Top

Arizona decided to get tough on illegal immigrants in 2010. Some say it wasn’t enough others said it was too much. The latter group won a small concession as the ninth U.S. Circuit Court of Appeals upheld a ruling by a federal judge that ruled that portions of the immigration law in Arizona that was to go into effect on July 29, 2010 were unconstitutional.

Although, what the State of Arizona was trying to do was understandable to most Americans, especially during a huge economic downturn, was it too extreme? Considering the influx of illegal immigrants in to the United States from Mexico using the Arizona border to cross, proponents of the bill felt that something drastic had to be done because the Federal Government was not taking care of the problem. Opponents of the bill felt that the State was going about the right idea the wrong way. The immigration law in Arizona makes it illegal for immigrants to be out in public without their immigration papers. If a citizen believed that, the local agencies or governments are not properly enforcing immigration laws, they are allowed to sue them. If a police officer has reasonable suspicion that a person or persons are in the country illegally they can detain them until they verify that the suspect(s) are here with authorization.

The immigration law in Arizona has caused alarm bells to ring in Mexico as well. Officials there are concerned that this law will cause their citizens, who are here legally, to be unfairly treated by American police. If a person were to run out of their hotel door and forget their passport, lose their passport, or have the misfortune of having it stolen, they could find themselves behind bars until the Mexican Consulate could be contacted and it could be proven that they were in the country legally. The same would apply to a mishap with a green card.

Cardinal Roger M. Mahony of Los Angeles was outraged by the immigration law of Arizona. He likened the granting of police the right to demand documents from anyone they presumed to be an immigrant to be tantamount to “Nazism.” President Obama has taken a hard stance against this law and has harshly criticized Arizona for essentially stomping on the American Dream, which should be free to anyone who comes here.

The governor and attorney general of Arizona have not given up the fight to have the law fully implemented, however. They are taking the fight all the way to the U.S. Supreme Court. Tom Horne, attorney general of Arizona believes that the law will be passed once it is reviewed by the highest court in our country. Whether or not this happens remains to be seen. The U.S. Constitution was developed to protect the rights of the citizens of America, first and foremost. The question is whether or not this law threatens our rights, as well as cracks down on illegal immigration.

Lawyers For Tough Times – How to Get Affordable Legal Help When You Need It The Most

How can a regular person get an attorney when they need one? Lawyers charge a lot! Their fees can range from $100 an hour to $200 an hour in a rural area and small town, to $400 an hour in larger cities; especially if you are hiring from a larger firm, where there are more resources available to you. The average national billing rate is $284 an hour.

Most of the time you don’t even think about it, because most of the time we are not in legal trouble. If we are involved in a criminal situation we can get a public defender, for better or worse. But there are many times that having an attorney available would make all the difference, and yet we can not afford it. What if the laundromat ruins a valuable garment and doesn’t refund the money? What if we become one of the millions of Americans who have become behind on their mortgage or credit cards and have the creditors breathing down their neck? What are our rights? What if we have to go out on disability and wonder if we can make any money at all without breaking the law? It would help if we just had someone to tell us what our rights are, if we could just call a lawyer without breaking ourselves financially. And what if we just need a lawyer to write a letter for us? It is amazing how correspondence from a lawyer can change the attitude of some difficult people and companies, and if we are left without access to legal services we are out of luck.

What if we do not have a will? 55% of Americans will die without a will. This includes 52% of white Americans compared to 68% of African-Americans and 74% percent of Hispanics. Every American should have a will, but it appears that the lower percentage of African-Americans and Hispanics that have a will is due to less access to legal services. Unfortunately when you die without a will you are leaving your family to deal with practical headaches that could have been prevented, and to actually end up losing thousands of dollars. There are actually two problems that occur when you die without a will: you cause your family even more emotional turmoil at time when they are already suffering and the courts will have to appoint an administrator to dispose of your possessions, in a way that might be very much against your wishes.

What about a traffic ticket, or even worse a DUI? One little infraction, even something that does not hurt anyone can cause havoc in your life with huge fines. Even parking tickets can be ridiculously expensive. A lawyer can help.

What if the IRS is breathing down your neck? If you get into tax problems and you are not wealthy you can be in hot, hot water. The rich have all kinds of resources, but you are in trouble if you do not have access to a lawyer in times like this.

Most of us realize that it would be nice to have a lawyer available when times are really hard or even if you are doing alright but just don’t want to plunk down hundreds of dollars just to ask a legal question. Many people have been dismayed to find that their lawyers will charge them hourly for what they think is just casual conversation.