A Loving Home


Posted by on Jul 27, 2015 in Bankruptcy | 0 comments

With the increase of prices in everything from cars to college, the need for loans has increased immensely in the past years. This can in turn lead to a rise in the amount of debt for individuals, leaving some with too much debt to handle. When this happens, filing for bankruptcy can be the best option. It is a confusing and scary process, involving loads of paperwork and decisions that have to be made. One of these decisions is whether to file for either Chapter 7 or Chapter 13 bankruptcy, two options for personal bankruptcy. Understanding the difference between these two can, however, make the decision easier.

Chapter 7 bankruptcy is also known as liquidation bankruptcy. According to the website of Gagnon, Peacock, & Vereeke, P.C., chapter 7 bankruptcy involves canceling out all debts by liquidating some of your property in order to pay creditors. This can include a second car or home. This is typically the option for those who have little or no disposable income. The process takes around 3-5 months and can be extremely difficult to deal with. However, it has the benefit of completely wiping out unsecured debt and including credit card debt, according to information on the Greenway Law, LLC website.

Chapter 13 bankruptcy is also known as “wage earner’s bankruptcy.” This is designed for people who have regular income and simply extends the period of time in which they can pay back their debts or reduces payment amounts. While it does not completely wipe out debt, it can help you make payments in a more reasonable manner.

Bankruptcy is something that many people do not think they will ever have to turn to. However, filing for bankruptcy can often be the most viable option for those looking to get back on their feet and can be the start to a new financial future for many.

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Doctors Deserve Prompt Pay

Posted by on Jul 26, 2015 in Prompt Pay | 0 comments

Doctors are some of the hardest working professionals in the nation and provide numerous services to individuals, ranging from simple check-ups to some of the most complicated procedures. For these services, insurance companies are often required to pay doctors for their work. Unfortunately, many insurance companies can engage in deceptive practices intended to having to pay doctors for their work. This violates the Texas Prompt Payment Act of 2003 requiring insurance companies to payout within 60 days of receiving requested items and forms required for payment. Luckily, according to the website of prompt pay law firm Williams Kherkher, this law also helps medical professionals get their due compensation.

For medical professionals dealing with deceptive insurance companies, it is important to understand just how much compensation they can receive and punishments that an insurance company can receive. If an insurance company pays a claim 45 days after the deadline, they may have to pay a $100,000 fine. If they pay 49-91 days after the deadline, the fine raises to $200,000 and keeps raising the longer they take to pay out. However, the Texas Prompt Payment Act does not only cover late payments but underpayments as well. If an insurance company does not pay the full amount to a doctor for their medical services, the penalties can be similar to if they were late on their payments.

Doctors and medical professionals not only work extremely hard, but have some of the most complicated jobs in the nation. This is one of the many reasons they deserve to be fully paid for their services, despite unfair practices by insurance companies. Not being paid fully for services in the medical profession is a serious issue and should be handled as best as it possibly can be, sometimes including legal guidance.

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Morcellators Lawsuits

Posted by on Jul 25, 2015 in Morcellators | 0 comments

Morcellators are surgical devices that not many are familiar with. It was commonly used by Gynecologists in minimally invasive procedures, such as hysterectomy or a myomectomy, to break down large tissue growths into smaller pieces. Once thought to be a useful tool in removal of tissue with benefits such as shorter recovery time and less pain, people who had surgery using morcellators began experiencing serious problems. While the device was effective in breaking up noncancerous tissue, women who had cancerous cells started seeing these cells spread to other areas of their bodies.

The spread of cancerous cells due to the use of a morcellator occurs in women who have undetected urine cancer. While this might not sound like a common occurrence, it can occur in as many as 1 in every 370 procedures. Aside from cancer, morcellators can also cause abnormal growth of the tissue or direct harm to healthy tissue. This is why Johnson & Johnson recalled three of its power morcellators after the correlation between the device and serious medical problems was revealed. The FDA also issued an official warning to doctors to stop use of the device in women. They also put a “Black Box” warning on the device, meaning that the risks of the device far outweighed the possible benefits of using it. However, many individuals had already suffered significantly due to the device.

Women looking to undergo a fairly simple and minimally invasive surgery could face the spread of cancer cells to other parts of the body without knowing it. When a morcellator is used in surgery on a women with undiagnosed urine cancer, the medical problems that an individual has to endure can be life changing. Many women have filed Morcellator lawsuits in an attempt to seek answers and hold someone accontable for what they’ve had to experience.

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Coloring Your Hair Tech: Balayage

Posted by on Jul 24, 2015 in Salons | 0 comments

A woman’s hair is one of the most important parts of their beauty routine. Hundreds of dollars are spent every year by individual women to maintain their locks and keep them looking their best. Aside from just a normal haircut, many women opt to get highlights to change or enhance their natural hair color. Many turn to a cheap salon or even store bought products to do the job, often ending up with mediocre results or results that last longer than a couple of weeks. This can leave many women feeling disenchanted with the process of coloring their hair and feeling less confident. Many a Houston hair salon has started offering a service known as balayage which can improve coloring results for women.

Balayage is a coloring technique that began in France in the 1970’s. Rather than the traditional foiling technique used by most salons, balayage is a coloring process that involves the stylists painting on the color, leading to more effective results. The benefits of this technique go beyond the physical components, however. Balayage highlights can go 8-12 weeks without being touched up, whereas traditional foil highlights can have to be retouched in as little as 6 weeks. The longer time between highlight and coloring sessions can save an individual time and money. Aside from not having to dye your hair as often, there are other ways balayage is healthier for your hair. Since the dye does not completely saturate your hair, you can expect less damage. Balayage is also safe for pregnant women and those with allergies, as the dye does not sit on the scalp but rather just the hair.

Balayage not only has numerous health and maintenance benefits, but is more versatile as the highlights can be as soft or as strong as you prefer. Women are now looking to balayage for not only these reasons, but to feel as confident in their hair as they possibly can.

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