Chapter 7 Bankruptcy Overview

What You Need To Know

1. End those creditor's phone calls. The automatic stay in bankruptcy law makes it illegal for creditors to continue those calls.

2. Keep your car, motorcycle, boat, trailer, ATV. A myth of Chapter 7 bankruptcy is that you will lose your most valuable possessions. As for your vehicles, there are exemptions that provide protection, depending on the value of the vehicle or you can reaffirm the debt.

3. Protect most of your household possessions. You can keep all your household goods that can be exempt

4. Keep your retirement. You can keep your retirement contributions if they are considered a retirement account by the bankruptcy court. Interests in IRA, ERISA, Keogh, or other pension or profit sharing plans

5. Cash on hand.

6. Checking, savings or other financial accounts, certificates of deposit or shares in banks, savings and loan, thrift, building, and loan, and homestead associations, or credit unions, brokerage houses, or cooperatives.

7. Security deposits with public utilities, telephone companies, landlords, and others.

8. Household goods and furnishings, including audio, video, and computer equipment.

9. Books; pictures and other art objects; antiques; stamp, coin, record, tape, compact disc, and other collections or collectibles.

10. Wearing apparel.

11. Furs and jewelry.

12. Firearms and sports, photographic, and other hobby equipment.

13. Interests in insurance policies.

14. Annuities.

15. Interests in an education IRA as defined in 26 U.S.C. § 530(b)(1) or under a qualified State tuition plan as defined in 26 U.S.C. § 529(b).

16. Alimony, maintenance, support, and property settlements to which the debtor is or may be entitled.

17. Tax refunds.

18. Aircraft and accessories.

19. Animals, pets.

20.Wipe away unsecured debt. The amount you owe on credit cards or any debt that isn’t backed up by collateral can be completely discharged.

21. Help with secured debt. With no more secured debt, paying the monthly mortgage and car note becomes much easier again.22. Some taxes may be discharged in bankruptcy if you meet the requirements.

Conclusion

In reviewing many of the bankruptcy websites lately, I have come across what seems to be great offers. The question I have, are these misleading you in an effort to get you to use their services? In this competitive market, they are seeking clients by using "bait". One of the statements that offers you can get a free bankruptcy if you have creditors that are harassing you. What it doesn’t say is that it takes litigation. It may take months or years. AND if you lose you might have to pay the other side attorney fees and costs. Learn more about Chapter 7 Bankruptcy attorney.

So unless you want to spend time hoping to get maybe a few hundred dollars or maybe more, you need to get out of debt fast. You certainly don’t need the added stress of additional litigation. My promise to you is that I will NOT mislead you. I will take the time needed to ensure that you understand what bankruptcy is all about and how it affects YOU. My office represents debtors in chapter 7 and chapter 13 bankruptcy. No Matter if your bankruptcy is easy or very complex, I am there to make sure everything goes as smooths as possible. Learn more at http://bnkut.com

No matter what type of unsecured debt you have or if you want to surrender a secured debt I can help you.No matter what age you are I take pride in helping all individuals in becoming debt free again.I have many clients who have had something serious happen to them and there is no way to get out of debt. This added stress is not good for your health or your family. Just look at the health problems stress cause.

Bathmate Before and After Results

 Doctors in Europe studied a collection of people who volunteered so that they could determine what the bathmate hydro pump was capable of. This study was called, The Bathmate Before and After. The personal details of those who participated weren’t released in order to maintain their privacy, but the researchers did provide the information that follows: From Dr. Abraham Smith, Senior Research Specialist

Bathmate Penis Pump Research

This experiment was designed to determine the results that the volunteers, of different ethnic groups, received from the Bathmate pump. All participants either used or wanted to use, a bathmate hydro pump. There were over a hundred people from differing cultural and geographic areas including Americans (people from Columbia, Chile, Argentina, Brazil and the US), Europeans (people from Portugal, France, Austria, Finland and Sweeden), People from the Middle East (including Yemen, Turkey, Lebanon, Syria and Iraq) and Asians (from India, Thailand, Singapore, Indonesia, China and South Korea).

Because of a variety of different reasons, some of those who participated in the study went about it in different ways. There were those who were a bit shy of sharing their results of the Bathmate hydro pump, and others who wanted to demonstrate how it worked and tell their stories to everyone who would listen. Cultural attitudes probably played a part in this. The results from the bathmate hydro pump before and after study have been separated by the geographical region of those who participated. The research was conducted over a period of four months. Learn more about Bathmate at http://alphaguys.weebly.com

Asian Participants

Prior to Bathmate hydro pump use, the mean length of penises for those in this group was 3.2-4.3 inches, and the mean girth was 2.4-2.7 inches during an erection. After using the Bathmate pump for 25-30 minutes each day, this cohort of participants experienced the most impressive Bathmate results. Those with a penis measurement closer to 3.2 inches prior to Bathmate usage, experienced a growth of 75%, with an ending length of 5.6 inches, and an increase in girth of about 45%.

Those who were closer to 4.3 inches, in the beginning, grew to approximately 7 inches and went from 2.7 to 3.65 inches of girth.

Middle Eastern Participants

This group had a mean penis length of 4.5-5.7 inches, with a girth resembling that of the Asian group, of 2.7 inches.

This group experienced amazing results from the Bathmate hydro pump as well, with 25-30 minutes of use each day. Almost 9 in 10 of these participants grew about 75% lengthwise, though they didn’t experience the growth in girth than those from Asia did (though the did have about a 25% increase in girth). This means that those who had a penis measurement of 4.5 inches, in the beginning, ended up with a length of 7.8 inches and a girth of 2.5-3 inches. Those whos’ penises measured more than 5.5 inches grew to 8.8 inches.

European Participants

These participants had the lengthiest penis size, to begin with, even before Bathmate pump use. The mean length was 5% in girth. The longest length reached in these participants was 9.45 inches, and the largest girth was 4.0 inches.

American Participants

This was the most active group of participants. Their beginning penis length was 4.9-6.2 inches, with a girth of 2.5-3.0 inches to begin with. At the end of the experimental period, they experienced the largest growth, with an 85% increase in length and a 50% increase in girth, all from making use of the Bathmate hydro pump every day for 25-30 minutes. The longest penis length in this group after pump use was 11.47 inches, and the largest girth was 5.5 inches.

Results

The enlargement of penises has been a popular topic of conversation for years now, and there are younger men who wonder if the results are for real. There are many products out there on the market, from pills to surgery, to pumps that use air. However, the amazing new technology that uses water to enlarge penises, which Bathmate has introduced, has shown itself to be the safest, most effective and most cost-efficient way to increase penis size.

The data from the above experiment has shown that bathmate before after results are amazing, and the Bathmate hydro pump is the best tool available for penis enlargement today. Though there have been reports of Bathmate injury, including side effects such as itching and bruising, when you use the hydro pump excessively, these side effects won’t last long and go away when you take a break for a few days. The results, however, are permanent.

Conclusion

We give Bathmate hydro pumps are the seal of approval since they aren’t risky for either the body or the health of those who use them. It is not something that would be taken internally, such as pills, and doesn’t involve any risk such as medical malpractice.

Utah Chapter 7 & 13 Consumer Bankruptcy Attorney

Ryan E. Simpson

 As the stock market plummets and foreclosures continue to rise, there is an overwhelming number of us seeking immediate relief through bankruptcy protection. This is why you should consider a bankruptcy attorney.

About Us

Our bankruptcy attorneys are licensed in West Jordan, Utah. We notice frequently that our bankruptcy clients also encounter tax issues as well. These issues may include the failure to file the prior years' personal, business, and/or employment tax returns.

If you have lost your job, are involved in a divorce, or have incurred substantial debt because of medical problems or mortgage obligations, a personal bankruptcy filing can help you stop the harassing phone calls and letters and get a fresh start. You want an experienced and knowledgeable lawyer to guide you through the process, one who will help you determine whether a Chapter 13 reorganization or a Chapter 7 discharge of debt is in your best interests.

At the law Firm of Ryan E. Simpson,, I bring over 18 years of legal experience to people throughout the Utah area as a bankruptcy attorney. I handle all matters related to personal bankruptcy, defense in foreclosure proceedings and social security disability claims. When you hire me to handle your legal matters, you will work directly with me throughout the process. Learn more at http://bnkut.com

My Bankruptcy Attorney Practice

I provide comprehensive legal counsel to individuals and businesses in matters involving:

• Chapter 13 bankruptcy proceedings: I can help you reorganize your debts under Chapter 13 and take control of your future. I will work with you to prepare a reorganization plan that is within your budget, pay secured creditors what they are entitled to receive for collateral you wish to retain, and pay unsecured creditors what you can afford to pay, if anything.
• Chapter 7 bankruptcy proceedings: I can help you determine whether you qualify to discharge debts under Chapter 7 and work hard to protect your interests and property you wish to keep within the limits of the law. I will prepare and file all documents to complete your bankruptcy proceeding and will represent you in the meeting with the bankruptcy trustee prior to discharge.
• Defense in foreclosure actions: I can help you pursue action to avoid foreclosure on your home, negotiating with lenders to modify or restructure your loan, if possible, and filing a bankruptcy petition, if appropriate.
• Consumer and business litigation
• Consumer and business bankruptcy
• Loan workouts and debt settlement
• Business incorporations and planning
• Foreclosure
• Garnishments
• Real estate transactions

Contact My Office

To schedule a free 30-minute initial consultation, contact my office by e-mail or call me at 801-432-8682  I am available to consult with you at any of three convenient locations in the Utah area. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Learn more at https://bnkutcom.weebly.com

Steel Libido Pills Review

Steel Libido

Steel Libido is, unfortunately, one of those products that give penis enlargement a bad name. Despite the professional looking website and widespread promotion, what we ended up with was not a lot more than a placebo - little if no gains were noticed. This product serves as an excellent reminder that the penis enlargement customer is an easy target, and this industry does breed dishonest suppliers. Learn more about Steel Libido.

About Steel Libido

Few positive side effects were observed, in fact, the tester once indicated that he felt he was part of a “control” group, and not actually receiving a penis enlargement supplement. I do not recommend this supplement for use. As an addendum - it appears that since we had ordered this supplement and sent it to the tester, the sales website is “Down for Technical Maintenance”. It has been this way for several weeks.

This product is definitely out of production. Obviously, there were some issues with performance - it appears this brand was heavily spammed as well - I try to avoid reviewing products that are advertised via spam as they obviously are not concerned with reputable marketing. If you are looking for a working enlargement product, read no further - this is NOT it.

As well our secondary tester has reported in since this update with similar results. You can no longer purchase this product, therefore this review is not necessary, but I just wanted to keep everyone updated for completion purposes. Keep the updates coming on this and I will post them as you email me.

Product Arrival and Properties

Steel Libido arrived packaged in a discreet box. The bottles were individually sure-sealed with a cotton packing and the supplements were undamaged on arrival. Shipping time was somewhat lengthy - perhaps the package crossing the USA/Canadian border caused a delay in customs.

Guarantee

Steel Libido offers a 100% money back refund within 30 days. “If for any reason you are not completely satisfied with ADONIS XP you can return the bottle(s) within 30 days and receive a full 100% refund”. I find this to be a very SHORT guarantee timeframe and does not offer a realistic growth time after waiting to receive the product via shipping. Additionally, I have no idea what Adonis XP refers to - the product is named IGF2.

Given the fact that their website states “Noticeable length growth starts a few weeks after use, and the total process usually takes 12 weeks.”, and we noticed no gain over several months, this guarantee is not acceptable. By the time you notice little growth, the guarantee has expired.

Main Ingredients

• Herba Epimedium
• Muira Pauma
• Dioscorea Oppositaei
• Radix Ginseng
• Fructus Crataegi

Results

I was very disappointed by the results of this product. The results, as stated above were abysmal. No noticeable length or girth gains arose. There were no positive side effects such as erection firmness or increased stamina noticed either. I have had no positive gains from taking this product.

Score / Overall

The score given was 0/5 stars overall.

This product is meant for penis enlargement and simply said, it doesn’t deliver. No gains during the trial period and the guarantee expired when the trial period was over. Consumers are warned to steer clear from this product. This supplement is not recommended for use as a penis growth product. It fails to meet the penis pill standards we have set at PillsReview.com. To repeat again as well - the pill’s site appears to currently be “down for Technical Maintenance”. This has been for several weeks.

Prosolution Male Enhancement Pills Review

 This is a product from our past - we had removed the original review from the site due to not being able to contact the product reviewer for some follow up questions. We had to arrange for another review to be done, and now can re-post this new review. Results wise, Prosolution is questionably one of the best of our tested brands so far. A very positive experience from a great company. The gains the tester saw from the use of Prosolution are definite and very encouraging.

About

Prosolution has focused on producing and marketing this product as an ‘extra strength’ version of this supplement. This means that they are including more ingredients by wt. % of many of the herbals compared to some of the other brands. In a nutshell, this indicates the supplement may perform as well or better than those products - and the results say it does.

Worth mentioning as well - Despite being manufactured in the USA, ProSolution Plus ships from 3 locations around the globe : USA, UK , and Eastern Europe. This is a huge bonus for those of you not residing in North America. It generates very reasonable shipping times for all customers wanting to quickly recieve your supplements that would normally have to wait for overseas transport.

Product Arrival and Properties

The pills arrived 3 days after the order. Packaged in a DHL courier bag, the 6 months supply of the product was also protected by a thick cardboard box. Inside were boxes of pills, each containing 4 blister packs of 15 pills each (to be taken 2/day).

The label of each sleeve box featured the name of the product and some basic artwork. The blister packs themselves were were sealed for freshness and were in perfect shape. The pills insider were whole and unbroken. Each pack had the product’s name, date of manufacture and a serial number printed on the back side.

Guarantee

ProSolutionPills offers a money back guarantee on all purchases within 6 months (180 Days) of purchase. This is an extremely long product guarantee timeframe and exceeds that of any other I’ve found in the industry. I have spoken to a customer service representative to verify this policy and he also added the following information:

“The 180-day guarnatee is absolutely true. To be fair, we would prefer that you try the system for at least 90 days (e months) before requesting a refund, however - since results can take longer for some individuals.” This certainly isn’t unreasonable, since that leaves you 3 months to request the refund after the suggested period.

Main Ingredients

• L-arginine
• Semen Cuscutae
• Gingko
• Herba Epimedii
• Hawthorn (Western)
• Ginseng (Korean Red)
• Catuaba
• Muira Pauma
• Zinc Gluconate

Summary of Results

The results with this product were very good. Within the first week, not much growth was noticed, but by the end of the second week, my erections were definitely more firm and I noticed a change in my erection size and girth. The exercises provided with the product seemed to help a lot

The growth slowed for the six and seventh weeks, but it quickly improved again and was constant for the remaining 4 months until the end of my 6 month test period. Since then I have not noticed any loss of results I gained during the test. I am very satisfied with this product.

One side effect that I did not notice was that after approximately 2 months I began to produce much more ejaculate during each orgasm.

Score / Overall

The score given was 4.5/5 stars overall. For me, the quality of the pill and its results are the most important aspect for anyone considering a purchase, and this pill really delivered in that area. The results from the pill combined with the exercises that came with it, turned out to be very effective and a value purchase.

The shipping was also very quick, and a tracking number was provided to follow along. I am happy with this product and was content with the enlargement process. This supplement is recommended for use as a penis growth product, and a sexual enhancement supplement. I was very happy to facilitate the review of another product that does indeed do what it claims. The only issue I see with