Bankruptcy Auto Financing – Car Loans before, during, and after Bankruptcies #auto #collision #repair


#bankruptcy auto loans
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The Process of Auto Financing Following Bankruptcy

If you’ve filed for bankruptcy, you might feel like you’ll never get approved for another line of credit again. Fortunately, that is not true. At Auto Credit Express. we have been helping bankrupt clients find bad credit car dealerships in their area to approve them for vehicle financing since 1999. Bankruptcy isn’t the end of the world. It’s a new beginning to financial stability

Open Bankruptcy Auto Loans

After you have filed your bankruptcy papers with the court, your bankruptcy is now considered open. It will remain that way until you receive your discharge papers from the judge. Open bankruptcy auto loans may be made available during this time with both Chapter 7 and Chapter 13 bankruptcies. but with different requirements.

A chapter 7 bankruptcy is open for approximately three to four months making the process a little faster. Before you can apply for an auto loan through any subprime lender, you must make sure that your meeting of creditors has taken place. Legally, this is called the 341 meeting and allows the creditors listed on your BK papers to ask you questions about your debts. Lenders wait for this meeting to be completed before offering financing to debtors because:

  • After this meeting, you can no longer add debts to your bankruptcy petition, and therefore, the new car loan will not be discharged in the bankruptcy process.
  • Should your case be dismissed by your bankruptcy judge for any reason, you are still liable for the balance of the loan.
  • Your creditors have agreed to the terms of the bankruptcy and your debts will be extinguished, lowering your debt to income ratio.

After you have proof of completion, you can then apply for an online pre-approval at Auto Credit Express. Keep in mind, however, that because a Chapter 7 bankruptcy happens so quickly, your loan approval chances will significantly improve if you delay applying until you have your discharge papers.

If you’ve filed for Chapter 13, you have a little more leeway when it comes to car loans during bankruptcy. The process is much longer, lasting three or five years. The court appointed trustee will set up a payment plan based on your income, and you will repay a portion of your debts over the life of the bankruptcy. If you plan to apply for financing of any kind during this time, you must get approval through your trustee.

Compile a list of reasons as to why you need a new vehicle to present to the court. For example:

  • More than one person in the house has a job, so you need two cars.
  • One person works while the other drives kids to school or extra-curricular activities.
  • You have one car that is about to die, and you need a reliable vehicle for the family.

Once you have compiled your list, you must then file it with your trustee. This is called a Motion to Incur Additional Debt. Then you may have to answer questions about the vehicle you want to purchase. There could be stipulations added to the loan terms, including how long the loan is, what your interest rate can be, and what your monthly payment must be. If your motion is accepted, you will receive an Authorization to Incur Additional Debt. Once you are authorized, you can proceed with your purchase.

After Bankruptcy Car Financing

Taking out a new line of credit can be stressful regardless of what your credit score is, but when you have a recent bankruptcy on your report, your anxiety level can skyrocket. You don’t know how long you should wait, if you should wait, or if there is even a chance for an auto loan approval until the it falls off your credit report. We are here to tell you, you don’t have to wait or worry at all.

At Auto Credit Express, we understand that it isn’t always an option for you to wait weeks, months or years after bankruptcy before taking out an auto loan. This is why our network of lenders can offer you auto financing as soon as your discharge papers are in your hand. While most of our bad credit car dealerships offer both new and used vehicles, we highly recommend purchasing a pre-owned car, truck, SUV, or minivan. Late model automobiles generally offer the following benefits:

The used cars offered on our dealers’ lots are not the junky automobiles of yesteryear you may be thinking of. Instead, you will be financing a vehicle that is reliable, runs well and has low mileage.

“I never had anyone work so hard to find the best deal for my situation.” Deborah S. Ovid

Vehicle Options in Bankruptcy

Reaffirmation

If you decide to reaffirm your loan, you are signing a legally enforceable contract to repay the entire loan balance, as if the bankruptcy was not occurring. Both the creditor and debtor must agree on the terms, and usually a lender will not sign this document if you are currently behind on your payments, or have a history of late payments.

Before you make any decisions about keeping your vehicle, you must first gain permission from either the trustee or the judge working on your case. They must see that keeping the debt is not going to create a financial hardship on you or your family.


Catheter Associated Urinary Tract Infection CAUTI #catheter #after #surgery


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Urinary Tract Infection After Surgery

Updated July 25, 2017

Overview

A urinary tract infection, commonly known as a UTI, is an infection that occurs in the urinary tract. An infection in the kidneys, the ureters (the tubes that connect the kidneys to the bladder), the bladder and/or the urethra (the tube through which urine travels from the bladder to leave the body) is considered a urinary tract infection.

A urinary tract infection happens when bacteria is able to enter the urinary tract and begins to multiply.

Typically, the urinary tract is sterile, meaning that bacteria do not belong there and the area is usually free of bacteria in a healthy individual.

The placement of a urinary catheter. or a foley catheter, increases the risk of a urinary tract infection. The placement of the catheter is done using sterile techniques, yet there is still the possibility of bacteria being introduced into the urinary tract. Once the catheter is in place, the risk of bacteria entering the urinary tract is increased by having a foreign body present.

The majority of surgical patients have a foley catheter placed during their surgical procedure, unless it is a very brief surgery. The catheter may be taken out immediately after surgery, or it may stay in for a day or longer depending on the type of surgery and the rate of recovery.

Signs and Symptoms

  • Burning when urinating
  • Urgent need to urinate
  • Blood in the urine

  • Pressure in the lower back and/or abdomen
  • Fever

Prevention

The placement of a foley catheter should be done using sterile techniques. This means that the skin is cleansed, sterile gloves are worn and the sterile catheter itself is never touched without sterile technique.

The best way to prevent a catheter associated UTI is to not have a catheter at all.

Some patients cannot be without a catheter, for those individuals the next best thing is to remove the catheter as soon as possible.

Never touch the catheter without first washing your hands properly.

Poor hygiene, whether or not a catheter is present, can dramatically increase the risk of infection. When using toilet tissue, wiping from the front to the back is essential to the prevention of urinary tract infections. Wiping from the back to front can introduce fecal matter into the opening of the urinary tract.

When bathing, the tubing closest to the body should also be gently cleansed and rinsed, along with the genital area.

Diagnosis

To diagnose a urinary tract infection, a sample of urine must be obtained. From there one or more tests may be performed. First, a urinalysis tests the urine for the presence of infection, and is used to determine if a urinary tract infection is present. Next, if needed, a culture and sensitivity is performed to determine the best antibiotic to use if the infection is resistant to treatment.

Treatments

Urinary tract infections are typically treated with two types of medication. First, an antibiotic is prescribed to treat the infection and rid the urinary tract of bacteria.

Second, a medication such as Pyridium is often prescribed to help relieve the pain and irritation caused by the UTI while the antibiotic is taking effect.

Pyridium, and other medications that relieve UTI symptoms can change the color of urine and interfere with a urinalysis and should not be used prior to giving a sample or urine.

ANA CAUTI Prevention Tool. American Nurses Association. Accessed June 2015. http://nursingworld.org/ANA-CAUTI-Prevention-Tool

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Answering service tampa #telephone #answering #service, #24 #hours #live #receptionists, #after #hours #service


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    Bariatric Surgery Miami, Florida #pain #after #gastric #sleeve #surgery


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    Bariatric (Weight Loss) Surgery in Miami, Florida

    The Gastric Sleeve Center specializes in the laparoscopic gastric sleeve procedure, one of the newest and most successful bariatric procedures. Also known as laparoscopic surgery, minimally invasive techniques enable most patients to recover more quickly and experience less pain, with less risk for blood loss and infection. The Gastric Sleeve Center is home to two pioneering bariatric surgeons who between them have authored articles on the gastric sleeve procedure, hold several bariatric patents and have trained hundreds of surgeons every year.

    A study published in the Journal of the American Medical Association (JAMA) in 2004 shows how bariatric surgery can improve the following co-morbidities:

    • Type 2 diabetes was improved significantly in 86% of patients and resolved in 76% of patients.
    • High Blood Pressure was improved in 78% of patients and resolved in 61%
    • High cholesterol levels were reduced in over 70% of patients
    • Sleep apnea was eliminated 85% of patients

    Contact The Gastric Sleeve Center

    Calculate Your BMI

    All Content 2017 Gastric Sleeve Center
    9380 S.W. 150 Street, Suite 250 | Miami, FL 33176
    Phone: 305-256-5030


    Lap-Band Surgery – Risks & Expected Weight Loss #weight #gain #after #lap #band


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    Lap-Band Surgery Information


    The Lap-Band is an adjustable silicone band placed around the top part of the stomach during a laparoscopic surgical procedure designed to restrict food intake. At the time of surgery, a small device called a port (or reservoir) is placed under the skin of the abdomen. It is connected by tubing to the Lap-Band and allows the surgeon to periodically adjust the tightness of the band. This is done by injecting a small amount of saline water into the port. The Lap-Band may be adjusted several times in the first six months after surgery to promote maximum weight loss without side effects.

    Laparoscopic approach

    Typically our procedures are performed laparoscopically, an approach that is less invasive than open incision surgery because it is performed by placing the instruments and a camera through several very small incisions in the abdomen. Depending on the procedure, the hospital stay is usually a day or two, and Lap-Band patients often discharged the same day.

    How does the Lap-Band promote weight loss?

    The Lap-Band restricts the amount of food your stomach can hold and extends the feeling of being full and satisfied after eating a small amount of solid food. The success of this procedure, however, depends on how motivated you are to change your eating behaviors. Patients should eat three small high protein, low carb meals daily with no snacking. Eating too fast or too much can cause vomiting. No fluid should be taken with meals because it will cause the stomach to empty quickly. High-calorie beverages such as non-diet sodas, fruit juice, milkshakes, and smoothies must be avoided because they will impair weight loss. The same is true of high-calorie snack foods such as candy, ice cream and chocolate.

    How does the surgery differ from gastric bypass?

    The Lap-Band procedure requires no stapling or cutting of the stomach and no surgery on the intestine. No intestinal bypass is done, so there is no change in the amount of calories and nutrients absorbed in the intestine. Lap-Band patients do not experience dumping syndrome after consuming high-sugar foods or beverages. The tightness of the Lap-Band is adjusted to suit your individual situation and it can be removed if necessary. If done laparoscopically, which is the case for most patients, the Lap-Band procedure takes about one hour in the operating room and usually one night in the hospital. In 5% of cases, the Lap-Band placement cannot be completed laparoscopically. This would extend the hospital stay. Gastric bypass is a longer, more complex surgery that usually requires a stay of two or more nights.

    How much weight can I expect to lose with the Lap-Band?

    A weight loss of 2-3 pounds a week is possible during the first year, but this depends on the patient’s commitment to new eating habits and regular exercise.

    Weight loss is usually at a slower rate than weight loss after gastric bypass surgery. Studies show the average weight loss after Lap-Band surgery is about 15 points on the body mass index scale within 18-24 months after the surgery.

    The average weight loss in the Lap-Band U.S. clinical trials was approximately 40% of excess weight, but some patients were able to lose much more. The majority of Lap-Band patients do not reach their ideal weight range; however, they enjoy a tremendous improvement in their health, appearance, energy level and ability to enjoy physical activities.

    What are the risks?

    Lap-Band surgery carries the same risks as other laparoscopic surgical procedures and much less risk than gastric bypass surgery. Only 1-3% of patients experience bleeding, infection inside the abdomen, blood clots in the leg that can travel to the lungs, perforation of the stomach or esophagus during surgery, spleen or liver damage and death (less than 1%). There also are possible complications related specifically to the Lap-Band. Over time, it is possible for the band to slip out of position, block the outlet from the stomach or erode into the lining of the stomach, which would require an additional surgery to repair.

    If the band needs to be removed or replaced, it would require an additional surgery. Problems that can occur after Lap-Band placement include nausea, vomiting, acid reflux, heartburn, stomach ulcer, gastritis, gas bloat, trouble swallowing, dehydration, diarrhea, constipation and weight regain. The band may deflate if a leak occurs in the tubing, port or the band itself. In the first Lap-Band study in the U.S. 25% of the patients had the band removed for a variety of reasons. Since that time, surgical techniques have been improved to reduce the risk of complications.

    2015 Mills-Peninsula Health Services. All rights reserved. Sutter Health is a registered trademark of Sutter Health®, Reg. U.S. Patent. & Trademark office.


    PASS Support Site – What is PASS? #abortion, #abortion #stress, #post #abortion #stress #syndrome, #post #abortion #stress, #healing, #post #abortion, #post-abortion, #help, #abortion #grief, #abortion #loss, #decision, #decide, #guilt, #support, #depression, #grief, #pass, #infertility, #pregnancy, #after, #how, #do, #i, #heal, #an, #where, #can, #find, #support, #stress, #suicide, #message #board, #discussion #forum, #discussion #board, #chat, #chats, #chat #room, #bbs, #woman, #women, #email, #email #lists, #email #groups, #support #groups, #abortion #resources, #prolife, #prochoice, #regret, #remorse, #health, #mental #health, #survey, #fetus, #depression, #psychosis, #emotion, #emotional, #pregnant, #anti-depressants, #pregnancy, #crisis #pregnancy, #childbirth, #fetus, #embryo, #disorder, #forced, #coerced, #eating #disorder, #post #traumatic #stress #syndrome, #feminism, #pro-life #feminism, #rights, #women’s #rights, #pas, #relationships, #message #boards, #pmdd, #pre #menstrual #dysphoric #disorder, #pms, #post-partum #depression, #ppd, #ptss, #post #traumatic #stress #syndrome


    #PASS is an acronym for Post Abortion Stress Syndrome. PASS is an unofficial name, because it is not officially recognized by the medical community yet. Some sections believe in PASS, others do not. Until enough studies have been done to confirm it’s ‘existence’, the syndrome is still ‘unofficial’. This does not mean it does not exist! For more details on PASS, and why it’s not “officially recognized” yet, see the following sections:

    • Stages, Symptoms FAQs about PASS

    After an abortion, how do you recover? How do you deal with the intense feelings of sadness and grief that some women feel? What do you do if you have even more serious complications after an abortion? You’re not alone, and help is available! Post Abortion Stress Syndrome (PASS) is the name for a condition that can affect women after an abortion. Not every woman who has an abortion is affected by it. Some women who have abortions feel peaceful about their decision beforehand, relieved afterwards, and then live the rest of their lives with no regrets. Other women may have a different experience, and may have a more difficult time recovering after an abortion. When a woman has an abortion, it’s possible that the woman will have some normal feelings of grief, guilt and loss. If the feelings become severe, or persist for a long period of time, she may be suffering from Post Abortion Stress Syndrome (PASS). “PASS” is different from ‘normal feelings’ of loss and depression immediately following an abortion. How is it different? When is it PASS and not just ‘normal feelings’?
    When the reactions and feelings in the first 3 months following an abortion are severe, causing such problems as:

    • Self-harm, strong suicidal thoughts or suicide attempts
    • Increase in dangerous and/or unhealthy activities (alcohol/drug abuse, anorexia/bulimia, compulsive over-eating, cutting, casual and indifferent sex and other inappropriate risk-taking behaviors)
    • Depression that is stronger than just ‘a little sadness or the blues’
    • Inability to perform normal self-care activities
    • Inability to function normally in her job or in school
    • Inability to take care of or relate to her existing children or function normally in her other relationships (i.e. with a spouse, partner, other family member or friends)
    • A desire to immediately get pregnant and ‘replace’ the baby that was aborted, even when all the circumstances that led her to ‘choose abortion’ the first time are still in place.

    So having a severe reaction immediately after an abortion can be classified as “PASS” and not just ‘normal feelings’. What can also be described as PASS is when a woman has the problems listed above, and they continue after the abortion for months, and sometimes years.
    Other PASS problems could include short and/or long term problems with:

    • emotions, and dealing with emotional issues
    • struggles with depression
    • continued suicidal thoughts or attempts
    • anxiety and panic disorder
    • addictions of all kinds
    • difficulty sleeping and sleeping problems
    • disturbing dreams and/or nightmares
    • problems with phobias, or increase in severity of existing phobias
    • eating disorders
    • “replacement baby” syndrome
    • repeated unplanned pregnancies with additional abortions
    • repeated unplanned pregnancies carried to term
    • “atonement marriage”, where the woman marries the partner from the abortion, to help justify the abortion
    • trouble with relationships and dealing with partners
    • distress at the sight of other pregnant women, other people’s babies and children
    • inability to deal with or socialize with other pregnant women, other people’s babies and children
    • codependence and inability to make decisions easily
    • problems with severe and disproportionate anger
    • work and school problems (unable to function normally)
    • problems bonding with and caring for existing children or new babies
    • distress and problems with later pregnancy
    • added emotional issues and problems when dealing with future infertility or other physical complications resulting from the abortion.
    • unhealthy obsession with excelling at work or school, to justify the abortion

    For more details about PASS, see:

    • The PASS Quiz
    • Frequently asked questions about PASS (includes stages and symptoms)
    • My “PMDD real and PASS not?” article

    Some PASS problems can be severely disruptive to a woman’s life, and PASS can trouble her for months and even years after her abortion. The good news is that women can recover from PASS, can learn to heal from their abortion, and can go on to have happy, healthy productive lives. Women are usually afraid or embarrassed to even admit to having an abortion, let alone talk to anyone else about problems she might be having. Women are encouraged to think it is ‘their fault’ if they have trouble after an abortion, and that the abortion itself had nothing to do with how she feels, and that PASS is just some ‘anti-choice myth’.

    It’s interesting how if a man goes off to a war, and comes back with “PTSS” (Post Traumatic Stress Syndrome), we don’t ‘blame the man’, and ‘protect’ the war, we admit it was the war that caused PTSS. We don’t refuse to help the man, and belittle him or invalidate his pain by saying he had ‘previous psychological problems’, or other issues in his life that caused the PTSS, and we don’t tell him that what he is struggling with “doesn’t exist” – we admit it was the whole stress and experience of war, and we help him, support him, allow him a name for his experience and treat him to help him recover. Yet when a woman has an abortion, and is traumatized by the whole experience, and develops “PASS” (Post Abortion Stress Syndrome), people are quick to ‘blame the woman’, and “protect abortion”, and claim there’s no way the abortion could have caused this, the woman must have had pre-existing problems, and it’s ‘her fault’ she is suffering. And the woman is left alone to suffer, with no help, treatment, support or a name for her experience. The fierce war between people who have differing views on the legality of abortion has turned into a war that is hurting women, as people go out of their way to minimize women’s problems after an abortion, and “blame the woman” for any trouble she is having. I am in the middle with my views, as I believe that abortion should remain legal and safe, and that every woman has the right to make her own choices concerning her body and her life. However, people need to know that Post Abortion Stress Syndrome is a real medical issue, and can cause serious emotional or physical complications after an abortion.


    How a tooth extraction can lead to sinus trouble #headaches #after #tooth #extraction


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    How a tooth extraction can lead to sinus trouble

    Question : I have had a mouth problem for six years. It all started after the extraction of a top tooth. The extraction released lots of sinus stuff. Then I started to get sinus problems. I had sinus surgery, and my head was better. But where the tooth was pulled I get lots of sticky stuff out. No hole, but it�s getting worse. It�s salty and pasty and grainy. The sinus doctor says it�s a tooth issue; the dentist says it�s sinus-related. Please help me figure this out.

    Answer : Your history and symptoms suggest a problem that started when you had your upper tooth removed six years ago. While your dentist blames your sinus, and your physician blames your teeth, the problem most likely relates to both.

    The maxillary ( upper jaw ) teeth are very close to the maxillary sinus. This relationship places the sinus at risk of injury during extraction of upper back teeth.

    The most likely explanation of your symptoms is an oral-antral fistula. A fistula is an abnormal passageway between two parts of the body. When your upper back tooth was removed, a passage was created between the extraction site and your upper jaw sinus, or antrum ( thus the name �oral-antral fistula� ). This complication is relatively common. In most instances, these passages are very small and go unnoticed by the patient and the surgeon. Occasionally, however, there are more extensive problems.

    When a fistula doesn�t heal quickly, saliva from your mouth can enter the sinus. Because saliva contains bacteria, patients can develop chronic sinus infections, which often discharge material into the mouth. Sometimes, this process goes on for years without treatment, and patients believe this is normal. It is not. It can and should be treated.

    Your surgeon will diagnose this problem by carefully examining your mouth and nose. Sometimes, a small endoscope is used to look into the nose and sinus. The procedure is painless. Imaging techniques, such as a CT scan, can help pinpoint the problem and help your doctor determine proper treatment.

    Treatment involves medications and minor surgery to close the fistula. Antibiotics are often used to get rid of the sinus infection. Decongestants help drain the sinus and alleviate pressure. Surgery � usually outpatient � is then done to close the fistula. The surgery involves moving some tissue near the fistula over the spot where saliva enters the sinus. Done under general anesthesia, the surgery takes about 20 minutes, and recovery takes about seven to 10 days.


    New Hampshire s DWI Guide #new #hampshire #dwi #laws, #nh #dui, #dws, #dwr, #dwi #dui, #2013 #2012oui, #lawyers, #dwi #attorneys, #penalties, #jail #time, #prison, #misdemeanor, #felony, #what #happens #after #a #dwi #in #new #hampshire


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    I just got arrested for a State of New Hampshire DWI charge. What happens next?

    ISSUE ONE:The New Hampshire Implied Consent / Administrative License Suspension (ALS) Proceeding: Under New Hampshire law, any person who drives, operates, or attempts to operate a vehicle shall be deemed to have given consent to physical tests and examinations for the purpose of determining whether such person is under the influence of intoxicating liquor or controlled drugs, and to a chemical test of the person’s blood, urine, or breath, for the purpose of determining the controlled drug content of such person s blood or alcohol concentration if arrested for a DWI. The test or tests shall be administered at the direction of a law enforcement officer, peace officer, or authorized agent having reasonable grounds to believe the person to have been driving or in actual physical control of a vehicle while under the influence of intoxicating liquor or controlled drugs or while having an alcohol concentration of 0.08 or more, or in the case of a person under the age of 21, 0.02 or more. This law is referred to as implied consent.

    Pursuant to NH implied consent law, your New Hampshire drivers license (or your right to drive in New Hampshire if you re not a New Hampshire licensed driver) was most likely suspended for anywhere from six months to two years for failing or refusing a chemical (breath / blood / urine) test. This suspension typically starts on the 30th day following your arrest. [If you had a valid New Hampshire license at the time of your arrest, you should have been given a temporary permit that allows you to drive for the 30 days following your DUI arrest.]

    Read your paperwork carefully. If you act quickly, you can request an administrative hearing (or administrative review) to challenge your proposed suspension. After a timely request, an administrative hearing will be scheduled. This hearing is commonly referred to as an ALS Hearing

    Speak to your New Hampshire DWI attorney for more information about contesting your implied consent / administrative license suspension.

    ISSUE TWO:The New Hampshire DWI / DUI / OUI Criminal Case: Separate from the administrative license suspension proceeding is the criminal charge either for Driving or Operating Under Influence of Drugs or Liquor; Driving or Operating With Excess Alcohol Concentration (the standard charge) or for Aggravated DWI (the aggravated or enhanced charge).

    Under New Hampshire s law, no person shall drive or attempt to drive a vehicle upon any way:

    ― While such person is under the influence of intoxicating liquor or any controlled drug, prescription drug, over-the-counter drug, or any other chemical substance, natural or synthetic, which impairs a person’s ability to drive ; or

    ― While such person has an alcohol concentration (BAC) of 0.08 percent or more or in the case of a person under the age of 21, 0.02 percent or more. [Driving with excessive alcohol concentration is sometimes referred to as a per se DUI or per se DWI .]

    A person commits the crime of aggravated driving while intoxicated if the person drives or attempts to drive a vehicle upon any way when any of the following apply:

    ― While under the influence of intoxicating liquor or any controlled drug or any combination of intoxicating liquor and controlled drug or drugs and, at the time alleged:

    (a) Drives or operates at a speed more than 30 miles per hour in excess of the prima facie limit;

    (b) Causes a motor vehicle collision resulting in serious bodily injury to the person or another;

    (c) Attempts to elude pursuit by a law enforcement officer by increasing speed, extinguishing headlamps while still in motion, or abandoning a vehicle while being pursued; or

    (d) Carries as a passenger a person under the age of 16.

    ― While having an alcohol concentration of 0.08 or more or, in the case of a person under the age of 21 at the time of the offense, 0.02 or more and, at the time alleged:

    (a) Drives or operates at a speed more than 30 miles per hour in excess of the prima facie limit;

    (b) Causes a motor vehicle collision resulting in serious bodily injury to the person or another;

    (c) Attempts to elude pursuit by a law enforcement officer by increasing speed, extinguishing headlamps while still in motion, or abandoning a vehicle while being pursued; or

    (d) Carries as a passenger a person under the age of 16.

    ― While having an alcohol concentration of 0.16 percent or more.

    Important: The implied consent / administrative license suspension proceeding and the criminal DUI / DWI / OUII / Aggravated DWI case are completely separate from one another.

    Will my New Hampshire driver license be suspended or revoked?

    RELATED TO ISSUE ONE ABOVE: Your New Hampshire driver license (or your right to drive in New Hampshire if you do not have a valid New Hampshire license) may be suspended in the administrative license suspension proceeding for failing or for refusing a breath, blood, or urine test for alcohol and / or drugs. For a first offense, the suspension is typically for six months; for a second offense ― two years. Again, you may challenge this proposed suspension in an administrative hearing this revocation if you make a timely hearing request.

    RELATED TO ISSUE TWO ABOVE: If you are convicted of the DUI / DWI or Aggravated DWI charge. you will also lose your drivers license (or your right to drive in New Hampshire if you don t have a valid New Hampshire license) for from nine months to up to two years for a first offense (though part of the revocation time may be shortened by the court). This revocation is separate and distinct from the administrative license suspension. Talk to your New Hampshire DWI lawyer for possible suspension lengths for your situation.

    Also keep in mind that your license can be revoked for a variety of reasons unrelated to a NH DWI arrest.

    What happens if I get caught driving while my license is revoked?

    Driving while your license is revoked should be avoided as it is a new misdemeanor offense. Penalties include a $1000 fine and at least seven days jail time. You will also lose your right to drive for an additional year. If you re on probation for a DUI / DWI conviction, driving on a suspended or revoked license will also violate your probation.

    I really need to drive. Will I be able to get a restricted / limited / occupational / conditional / probationary permit?

    Unlike some states, New Hampshire does not offer a restricted license when you re suspended or revoked following a DWI arrest / conviction. However, the court may suspend up to six months of the court ordered revocation provided that you enter into a impaired driver intervention program (I.D.I.P.) in a timely manner.

    What is the difference between a DUI, DWI, OWI, OUI etc.

    These terms are all acronyms that refer to the offense commonly known as drunk driving. Different states have different names for the crime. For example, in Iowa the acronym OWI (operating while impaired / intoxicated) is used; Oregon uses the term DUII (driving under the influence of an intoxicant). New Hampshire law uses the terms: Driving or Operating Under Influence of Drugs or Liquor and Driving or Operating With Excess Alcohol Concentration and Aggravated Driving While Intoxicated. The acronym DWI is most commonly used here. In this website, the terms DUI and DWI are used interchangeably.

    Is a DWI offense in New Hampshire a misdemeanor or felony charge?

    In New Hampshire, a DUI / Aggravated DWI is usually a misdemeanor crime. However, an Aggravated DWI involving a motor vehicle collision resulting in serious bodily injury is a felony charge. Also, your fourth or subsequent DUI or aggravated DWI conviction within 10 years is a felony offense.

    The court may reduce a first DUI conviction to a violation (a non-criminal offense) upon a motion filed by either party at least one year after the date of the conviction. In deciding whether to reduce the conviction to a violation, the court will generally consider the person s subsequent driving record, any evidence of drug or alcohol treatment, the hardship that having a criminal record may cause for the person, and other factors.

    What type of penalties might I face if I am convicted of an New Hampshire DUI / Aggravated DWI charge?

    Upon conviction of an New Hampshire drunk driving offense, a defendant can receive a variety of penalties including entering and completing an impaired driver intervention program (drug / alcohol treatment and counseling). A range of penalties is set forth below:


    NEW HAMPSHIRE DWI PENALTY CHART


    Bankruptcy Auto Financing – Car Loans before, during, and after Bankruptcies #police #auto #auction


    #bankruptcy auto loans
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    Get a Bankruptcy

    If you’re going through or have filed for bankruptcy we can help .

    Get Financed

    The Process of Auto Financing Following Bankruptcy

    If you’ve filed for bankruptcy, you might feel like you’ll never get approved for another line of credit again. Fortunately, that is not true. At Auto Credit Express. we have been helping bankrupt clients find bad credit car dealerships in their area to approve them for vehicle financing since 1999. Bankruptcy isn’t the end of the world. It’s a new beginning to financial stability

    Open Bankruptcy Auto Loans

    After you have filed your bankruptcy papers with the court, your bankruptcy is now considered open. It will remain that way until you receive your discharge papers from the judge. Open bankruptcy auto loans may be made available during this time with both Chapter 7 and Chapter 13 bankruptcies. but with different requirements.

    A chapter 7 bankruptcy is open for approximately three to four months making the process a little faster. Before you can apply for an auto loan through any subprime lender, you must make sure that your meeting of creditors has taken place. Legally, this is called the 341 meeting and allows the creditors listed on your BK papers to ask you questions about your debts. Lenders wait for this meeting to be completed before offering financing to debtors because:

    • After this meeting, you can no longer add debts to your bankruptcy petition, and therefore, the new car loan will not be discharged in the bankruptcy process.
    • Should your case be dismissed by your bankruptcy judge for any reason, you are still liable for the balance of the loan.
    • Your creditors have agreed to the terms of the bankruptcy and your debts will be extinguished, lowering your debt to income ratio.

    After you have proof of completion, you can then apply for an online pre-approval at Auto Credit Express. Keep in mind, however, that because a Chapter 7 bankruptcy happens so quickly, your loan approval chances will significantly improve if you delay applying until you have your discharge papers.

    If you’ve filed for Chapter 13, you have a little more leeway when it comes to car loans during bankruptcy. The process is much longer, lasting three or five years. The court appointed trustee will set up a payment plan based on your income, and you will repay a portion of your debts over the life of the bankruptcy. If you plan to apply for financing of any kind during this time, you must get approval through your trustee.

    Compile a list of reasons as to why you need a new vehicle to present to the court. For example:

    • More than one person in the house has a job, so you need two cars.
    • One person works while the other drives kids to school or extra-curricular activities.
    • You have one car that is about to die, and you need a reliable vehicle for the family.

    Once you have compiled your list, you must then file it with your trustee. This is called a Motion to Incur Additional Debt. Then you may have to answer questions about the vehicle you want to purchase. There could be stipulations added to the loan terms, including how long the loan is, what your interest rate can be, and what your monthly payment must be. If your motion is accepted, you will receive an Authorization to Incur Additional Debt. Once you are authorized, you can proceed with your purchase.

    After Bankruptcy Car Financing

    Taking out a new line of credit can be stressful regardless of what your credit score is, but when you have a recent bankruptcy on your report, your anxiety level can skyrocket. You don’t know how long you should wait, if you should wait, or if there is even a chance for an auto loan approval until the it falls off your credit report. We are here to tell you, you don’t have to wait or worry at all.

    At Auto Credit Express, we understand that it isn’t always an option for you to wait weeks, months or years after bankruptcy before taking out an auto loan. This is why our network of lenders can offer you auto financing as soon as your discharge papers are in your hand. While most of our bad credit car dealerships offer both new and used vehicles, we highly recommend purchasing a pre-owned car, truck, SUV, or minivan. Late model automobiles generally offer the following benefits:

    The used cars offered on our dealers’ lots are not the junky automobiles of yesteryear you may be thinking of. Instead, you will be financing a vehicle that is reliable, runs well and has low mileage.

    “I never had anyone work so hard to find the best deal for my situation.” Deborah S. Ovid

    Vehicle Options in Bankruptcy

    Reaffirmation

    If you decide to reaffirm your loan, you are signing a legally enforceable contract to repay the entire loan balance, as if the bankruptcy was not occurring. Both the creditor and debtor must agree on the terms, and usually a lender will not sign this document if you are currently behind on your payments, or have a history of late payments.

    Before you make any decisions about keeping your vehicle, you must first gain permission from either the trustee or the judge working on your case. They must see that keeping the debt is not going to create a financial hardship on you or your family.


    Jobs – Salaries after MBA #jobs #after #mba, #salary #after #mba, #job #opportunities #after #mba #how #to #get #the #right #job #after #mba #working #after #mba #job #options #after #mba #right #job #after #management


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    Job Opportunities after MBA in India – Career, Scope and Salary

    Before jumping to the conclusion that a Masters in Business Administration (MBA) is the right path for you, stop and ask yourself why. The hunky-dory vision of life after MBA may not be so easy after all. Not every management graduate receives a royal welcome. One must have one’s goal in place to be able to establish a solid and successful career after an MBA .

    The usual reasons for doing an MBA:

    • It earns you more money
    • It gives you a promotion in your job
    • It helps you quit a job that sucks

    But in order to pursue an MBA and to feel truly satisfied by doing so, you must take a more cognitive view:

    Why pursue an MBA

    • To launch a progressive career
    • To make a shift in career, if you already are an experienced professional
    • To nurture an innovative outlook
    • To network with the best in the market
    • To add a brand value to yourself
    • To enhance personal growth
    • To start a business/ start-up/ turn entreprenuer
    • To move geographically

    Top jobs after an MBA

    Once you know why you want an MBA degree, you should be prepared with a knowledge base of jobs that require this degree. Based on that, you may nurture your career interest. Client relations, consulting, business planning, resource or system analysis may be a part of your job profile, but let’s take a more specific view of the job opportunities after an MBA:

    1. Banking Finance : This includes security investment analysis and portfolio management. These jobs, available with banks, security firms, insurance companies, and various financial organizations, require a professional to make right choices about investments. Related job profiles are in Corporate Treasury, Business Operations and Credit Analysis. Such jobs are typically offered by companies such as Goldman Sachs, J.P. Morgan, Nomura, RBS, Barclays etc.

    Other job opportunities in banks are for Commercial Banking, Liabilities Product Management, Cards Management, Transaction Banking, Corporate Banking, Compliance, Wholesale Risk, Credit Risk, Relationship Management and Treasury. Banks like ICICI Bank, Yes Bank, Kotak Bank, Axis Bank, State Bank of India, HDFC Bank and RBL hire MBA graduates for such roles.

  • Information System Management : This requires a more technology-focused candidate, day someone with an MBA in Information Systems. Such candidates identify fresh and up-to-date technologies to serve an organization better. They provide a thorough cost analysis for use of the right technology while working with financial and managerial departments.
  • Investment Banking: This is a job in demand. Companies that hire for this role include SBI Capital Markets, Motilal Oswal Bank of America Continuum among many others. The right candidate functions as an underwriter. He/she has to connect investors to fund-needing organizations. The candidate must have the acumen to analyze what fits best for the client. They deal with acquisitions and mergers as well as clients. Other job profiles include those in Treasury, Securities and Investment Management .

    These being the top three options, there are more job opportunities for an MBA graduate :

  • Management Consulting : If you are a problem solver, this is the job that suits you best. A management consultant specifically solves organizational issues, while embracing fresh ideas and new methods of problem-solving. Firms that hire for such roles include Cognizant Business Consulting, Bain (BCC), KPMG, PwC, Infosys Management Consulting, Michael Page, Deloitte, PeopleStrong, Cartesian Consulting many more.
  • Private Equity : Just like investment banking, your investment acumen comes into action in a private equity job profile. Companies that recruit are Religare, Magma Fincorp, DE Shaw, Indiabulls Housing Finance, Kotak Life, Angel Broking, ICICI Prudential Asset Management, Bajaj Finserv, Kotak Wealth Management, JPMorgan Chase, Axis Securities, Fidelity Investments, Fullerton etc.
  • Data analytics: With the digital revolution, making sense out of “big data” is becoming increasingly important for all kinds of businesses be it banking, retail, e-commerce or management. As a result many business schools have now started offering data analytics as an important part of their MBA programs. Companies like Fractal Analytics, LatentView Analytics hire MBA graduates as data scientists or data analysts. ( Also read: Colleges in India offering Business Analytics programs )
  • Entrepreneurship : An MBA enhances your ability to be an entrepreneur. Be a fresh graduate or an experienced professional, choosing your career becomes easy with an MBA in your kitty. ( Also read: 10 Business Schools in India teaching Entrepreneurship )
  • The beautiful entrance to the Indian Institute of Management, Indore; Image Courtesy: byjus.com

    Pay package for MBA graduates from top B-schools

    There has been only a marginal rise in the pay package as reported by the top B-schools in India. Click on each college to know more about their placements. The 2016 pay scale has been illustrated in the table below: