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Posts made in February, 2015

How to Avoid Foreclosure By Filing Chapter 13 Bankruptcy In St. Charles MO

It is possible to avoid foreclosure through filing bankruptcy. While filing Chapter 7 bankruptcy may help, in most cases, it only help to delay the foreclosure by a number of months. Most people prefer filing Chapter 13 Bankruptcy St. Charles MO when it comes to foreclosure as it is able to save their home. Usually, foreclosure begins when you fall behind on mortgage payments. At this point, your lender begins the process of selling your home at auction in a bid to get payment for the loan. However, the process doesn’t happen overnight, but usually the lender will not start the foreclosure process until you have missed several repayments, often 3 to 4 times. The grace period you are given by your lender before he starts the foreclosure process should be the right time to for you to try some alternate measures such as a short sale, loan forbearance, or a deed in lieu of foreclosure. However, if you tried these measures before and failed, it is a good time that you consider Chapter 13 Bankruptcy St. Charles MO as a possibility for avoiding or delaying foreclosure. Check us out online at Stevenbrownlaw.com to learn more. As mentioned before, filing a Chapter 13 bankruptcy is probably the only way to keep your home. Chapter 13 let you pay off the late, unpaid payments or arrearage over a lengthy repayment plan that you propose. The repayment plan can sometimes go up to five years. You will, however, need enough income to be able to make your current mortgage payments while paying off the arrearage. If you manage to make the required payments up to the end of the repayment plan, then you will be able to avoid foreclosure and keep your home. By filing Chapter 13, you will be able to eliminate the payments on your second or third mortgage. That is important because, if your first mortgage was secured by the entire value of your home, then you may no longer have any equity with which to secure the following mortgages. Under Chapter 13 the second and third mortgages will be striped off and re-categorized as unsecured debt, and you will not have to pay them back at all. If you have been faced with a threat of a foreclosure, hire a lawyer from Law Offices of Steven K. Brown to help you file Chapter 13 Bankruptcy St. Charles MO and keep your...

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Satisfy Your Customers with a Juice Dispenser

Owning a restaurant or convenience store, or working at a concession stand or in a cafeteria will give you a good understanding of how demanding your customers can be. They have every right to be. They’re paying you for a service and they expect to get their money’s worth. A juice dispenser can help you deliver what they want as more and more people are moving away from drinking carbonated beverages. Give your customers a choice by installing top of the line dispensers for their favorite beverages. Juices There are so many juice flavors and so many different flavors. From orange to grape to apple, pineapple and cranberry, everyone has their favorites. Think about how many people are in your place of business with kids. Moms and dads alike feel much better about getting their children a drink of juice – so give them lots of choices. But how do you give your customers what they want without running out of storage room? With a juice dispenser. A four valve hotel, restaurant and convenience store juice dispenser will save you space. With a stainless steel exterior, water bath, product lines and drip tray assembly, you will be ready to serve. These dispensers are available with four post-mix dispensing valves, and all valves can be cleaned and serviced independently. This is the type of convenience your employees will appreciate. Dispense and Profit The food and beverage industry is a diverse one. Because of this, if you’re looking for beverage dispensers, you should find a company that is as diversified as the industry. Find a company that has many types of dispensers from juice and carbonated beverages to non-carbonated beverage dispensers, tea urns and ice dispensers. You never know when you might need any one of them. The cost of buying beverage and ice dispensers will offset in no time. When you buy and store fountain drink ingredients and juices for dispensers, your savings will add up quickly and your profit margins will do exactly what you want them to do: go up. You’ll also have less packaging waste from cans and bottles. And that is good for your business. Lancer Corporation has the juice dispenser solution for your business. Visit them at http://www.lancercorp.com for more...

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Finding A Cure For Hemorrhoids

If you have hemorrhoids, you are certain to be wishing that someone somewhere is working hard on finding a cure for this condition. Essentially, there is no actual cure, but there are methods that can ease and remove the pain. There are means to help you to prevent them from happening. However, there are also surgical and non-surgical methods that can act as a cure for already existing hemorrhoids. Preventive Actions The best way to cure hemorrhoids is to prevent them. To accomplish this, you need to keep your stools soft so they pass easily. To prevent hemorrhoids and reduce symptoms of hemorrhoids, follow these tips: * Changes in lifestyle: It is important, if you want to treat internal hemorrhoids and avoid further problems, to alter your current lifestyle. In many instances, this means abandoning a mainly sedentary life for a more active one. Consider the benefits of exercise. If you do not like the gym concept, maybe yoga, jazzercise, or Zumba will have greater appeal as long as it means keeping your weight under control. Obese individuals have greater instances of developing painful hemorrhoids. * Altering diet: If you strain or become constipated, chances are your diet is lacking in the basic ingredients to produce a healthy bowel movement. To overcome this, you need to add roughage (also known as fiber) to your diet. Also, eat foods that have a higher content, such as fresh fruit and vegetables. Furthermore, increase your intake of water. Drinking more fluids helps to wash the fiber down and make the stool softer. This lets it pass easier, preventing straining. As a result, it decreases the chance of irritating current hemorrhoids and increases the chances of preventing such problems. Curing Existing Hemorrhoids There currently are several ways of treating existing hemorrhoids. They all involve removal of the existing tissue or using some other method to starve the hemorrhoids from their source of nourishment. The methods used can be divided into surgical and non-surgical, which are either invasive or noninvasive. The most commonly known and employed are: * Rubber Band Ligation: As the name indicates, the medical procedure involves the use of rubber bands, placing two around the manifestation of the hemorrhoid to create a litigation. Sclerotherapy (Injection). An injection of specific fluid promotes shrinking of the hemorrhoid. * Hemorrhoidectomy: This traditional surgical procedure involves incising out the hemorrhoidal tissue as well as the related blood vessels. A modern variation is the Stapled Hemorrhoidectomy. This employs staples to fasten the tissue to the appropriate position. * Infrared Coagulation Hemorrhoid Cure (IRC): This is a newer hemorrhoid cure that is made possible thanks to modern technology. It uses a pulsing infrared light to prevent more...

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Frequently Asked Questions About Men’s Shoe Repair In Chicago IL

If you have a favorite pair of shoes but they’re falling apart, contact a company that specializes in Men’s Shoe Repair in Chicago IL. When an experienced cobbler repairs your shoes, you’ll get more wear out of them and they’ll last longer. Read the frequently asked questions below to learn more about professional shoe repair. Q.) What types of repairs can be done on a pair of shoes for men? A.) Various parts of a shoe can be repaired or replaced including the sole, heel, heel pad and the back of the shoe. Q.) Is there a way to determine when a pair of shoes should be repaired? A.) The heel of a shoe is often the first thing that will need to be replaced due to wear. You should have the heels replaced if they have uneven wear and if they’ve flattened out at the sides. Not only do worn heels make your shoes look unattractive, but your shoes may be painful to wear and this can cause blisters on your feet. If the soles of your shoes have a hole in them, it’s time to get the soles replaced. If your soles look worn or if they have a circular pattern on the bottom, press your thumb into the soles to check for weakness. If you can press the soles inward with your thumb, they need to be replaced. Q.) Is it better to repair a pair of shoes or buy new ones? A.) This all depends on how well you like the shoes and the cost of buying a new pair. If you have a pair of shoes that are worn out, you can expect to pay about half the price of a new pair to get them fixed. When you have your shoes repaired by a professional who specializes in Mens Shoe Repair in Chicago IL, only the highest quality materials will be used and you’ll be able to wear your favorite shoes again. Gus New Quality Shoe Repair offers shoe repair, leather refinishing, luggage repair and custom shoes. Click Here to learn more about their specialty services and to contact the...

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Four Elements to Seek Out in a Plumbing Service

If you are in the market for plumbing services in Atlanta, there are four considerations to keep in mind when choosing a service provider. Be sure to hire a plumbing service with positive customer reviews, a large service area, affordable and fair pricing, and good availability. Customer Testimonials and Referrals If a friend or family member has referred you to a plumbing service, that is always a good sign because it indicates a level of trust in the service. However, sometimes we have to choose a plumber without any such personal recommendation. Thankfully, many of the best plumbing services offer customer testimonials on their websites. This can give you a chance to see what customers have to say about the company’s customer service and professionalism. Plumbers that do not provide customer testimonials when asked to may be hiding something. Consider this a red flag. Service Area Before getting too invested in a given plumbing service, be sure to double check that your home falls well within their service area. This will mean better response time in the case of an emergency. It is sometimes also helpful to remember that the service areas of different plumbing services in Atlanta will vary in size. Those plumbing businesses with larger service areas likely have more plumbers at their disposal, which may be an indication of better service. Pricing It is important to find a plumbing service that offers upfront and consistent pricing. This can both save you money and spare you the stress of negotiating service prices after the job has been completed. What is more, with consistent prices any repeat plumbing issues that your home may have will not be cause for a headache. Availability Plumbing services in Atlanta that offer 24-hour service are hard to come by, but all the more important for that reason. Plumbing emergencies rarely occur at convenient times, and it is crucial to be able to call your plumber at any time, day or night. This will give you peace of mind and minimize any inconvenience or damage that can be caused by prolonged plumbing issues. The Whole Package Taking the time to select the best plumbing service provider is well worth the effort, and can save you a great deal of hassle when all is said and done. If you can find a plumber that incorporates all four key components, chances are very good that this is the plumber to hire. . When on the lookout for plumbing services in Atlanta, it is a good idea to select a plumber with good customer satisfaction, a large service area, fair pricing, and good availability. The best plumbing services in Atlanta are those that can consistently provide...

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