Wikinews interviews Bob Ely, Democratic Party presidential challenger to Barack Obama

Saturday, May 26, 2012

U.S. Democratic Party presidential candidate Bob Ely of Illinois took some time to answer a few questions from Wikinews reporter William S. Saturn.

Ely, a graduate of Yale University, worked for 18 years as an investment banker in Chicago before leaving the industry in 2000 to become a full-time investor and entrepreneur. Last year, he opened a campaign website and filed with the Federal Election Commission (FEC) as a candidate challenging President Barack Obama for the Democratic Party presidential nomination.

Thus far, Ely has appeared on the Democratic primary ballot in New Hampshire, Louisiana, and Oklahoma. His strongest showing occurred in Louisiana, where he won 6.57 percent of the vote, finishing in third place behind Obama and attorney John Wolfe, Jr.. Discussing the primary, he told Politico that despite being “a candidate who bought no ads and did exactly zero campaigning,” he won 120 of Louisiana’s 4,395 voting precincts, and defeated President Obama in 457. Overall, Ely has won a total of 15,502 primary votes.

On Tuesday May 29, Ely will appear on the Texas primary ballot alongside Obama, Wolfe, and historian Darcy Richardson, who suspended his campaign last month. It will be Ely’s last chance to qualify for Democratic National Convention delegates. Four of his fellow challengers have already done so: anti-abortion activist Randall Terry and perennial candidate Jim Rogers both qualified in Oklahoma, Wolfe qualified in Louisiana and Arkansas, and prison inmate Keith Russell Judd qualified in West Virginia. For various reasons, the Democratic Party stripped the delegates from each of these candidates.

On his campaign website, Ely outlines a plan for a “job’s bank”, which would use the existing organization for unemployment benefits to create a program where businesses can hire individuals to new positions with government salaries of minimum wage. He also wants to make it easier for businesses to terminate employees, and has proposed an increase in taxes and tariffs. He is concerned about the federal budget deficit and wishes to significantly reduce government spending. On other issues, Ely has proposed a plan for “basic health care” coverage, endorses “amnesty” for illegal immigrants in certain situations, and supports a strong, but frugal military used only to “protect America, Americans and America’s clear national interests”

With Wikinews, Ely discusses his personal background and views of President Obama, a few details about his campaign, and such political issues as jobs, energy, taxes, and nuclear proliferation.

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Law Firm

Nursing Schools Factors To Consider When Selecting A School

By Susan Fielding

If you have decided on nursing as your chosen profession, you must first go through training at a recognized nursing school before you can become a fully qualified nurse.

You will be given lessons by qualified doctors and experienced nurses to prepare you for the nursing world. Some things that you will learn include how to assess and diagnose health problems, and provide the appropriate care for your patients so they improve, and also to help patients cope with various health issues and diseases. You will also be given basic education on medicine as well.

Selecting the best nursing school is very important, to ensure that you get the right education. This requires an investment of time, money, and effort. There are many factors to consider when choosing a nursing school, however your research will be well worth it.

First of all, you need to decide on what type of nurse you want to become. Different nursing schools offer different courses, so you will need to choose a school that matches the specific training you wish to take.

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Next, you need to determine where you are willing to attend. Are there any nursing schools in your area?

Nursing schools in larger cities have many advantages over other schools, including access to top hospitals. There is also the convenience of good public transport systems which make your commute between school and home much easier.

The best nursing schools are those that are associated with prominent hospitals, as they have modern classrooms, high-tech labs and advanced equipment. They use the latest technology to convey a superior level of practical knowledge in the field of nursing science.

Another important point to consider is the ratio of the students to the teacher. Nursing schools that maintain a ratio of less than 20:1 are the best. These smaller classes ensure each student is given equal attention.

Finally, before picking a nursing school, contact the school and request further information and make sure you research the school’s reputation. If you choose to select a private school, make sure you visit the facilities.

Top nursing schools can help you to discover what your life’s path will be and then allow you to find that path through their programs. Nursing is a very rewarding profession, and there will always be high demand for qualified nurses.

About the Author: For more Nursing School resources and further information visit Nursing School Online


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Saudi Arabia resumes livestock trade with Somalia

Friday, November 6, 2009

The government of Saudi Arabia removed an eleven-year ban on livestock imports from Somalia after fears of Rift Valley Fever were allayed, senior Somali officials said on Thursday.

The decision was well received across Somalia, as hundreds of thousands of farmers heavily rely on animal exports to the oil-rich Middle East. Under the new arrangement, Saudi officials will closely examine animals before they are shipped off to Saudi soil.

“This is a tremendous decision for Somalis across the Horn of Africa,” said Idiris Ibrahim Abdi, the livestock minister of Somaliland, the self-declared republic in northern Somalia, which has developed one of the most sophisticated animal processing plants in its port town of Berbera.

According to news accounts, the Saudi agricultural ministry said the decision is based on years of cross-examination and monitoring of animal farms in Somalia.

Animal trade is one of the few surviving economic engines of Somalia’s largely destroyed economy. Business leaders and animal farmers have largely welcomed the Saudi decision.

“This decision will allow me to triple my animal sales to shipping companies,” said Mohamed Hassan Kahde, an animal farmer in the central town of Beledweyne.

An official with the Puntland Meat Processing Authority told the Voice of America news agency that they expect to export more than half a million heads of goats and cows to Saudi Arabia in time for the Hajj, the annual Muslim pilgrimage, which will be performed by early December.

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Horse racing: Curlin wins 2007 Preakness Stakes

Sunday, May 20, 2007

At the 132nd running of the Preakness, the second jewel in horse racing’s Triple Crown, Robby Albarado rode Curlin to a photo finish victory over Kentucky Derby winner Street Sense. Going into the final stretch run, Curlin made a valiant charge to beat Street Sense by a head with a winning time of 1:53.46, matching the fastest ever finishing time in Preakness race history. Thus, for at least another year, the Triple Crown trophy will remain unclaimed. Affirmed was the last horse to accomplish what has become a rare feat for thoroughbred horses, back in 1978.

Curlin’s win was as fast as track record holders (for 1 3/16 mile races) Tank’s Prospect and Louis Quatorze, winners of the Preakness in 1985 and 1996, respectively. Curlin (4) paid $8.80 to win at odds of almost 7-2. The top three finishers in the Preakness were also the top three finishers in the Kentucky Derby, albeit in a different order. The $2 exacta of Curlin and Street Sense (4-8) paid $23.20. The $1 trifecta of Curlin, Street Sense, and Hard Spun (4-8-7) paid $25.00. Edgar Prado rode C P West to a 4th-place finish, capping off a $1 superfecta (4-8-7-9) of $340.30.

If a rematch happens between Street Sense and Curlin, it may not happen very soon. Carl Nafzger, trainer of Street Sense, has not indicated that he will run Street Sense in the Belmont Stakes on June 9.

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News briefs:April 23, 2010

 Correction — August 24, 2015 These briefs incorrectly describe BP as ‘British Petroleum’. In fact, such a company has not existed for many years as BP dropped this name when becoming a multinational company. The initials no longer stand for anything. 
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Hydraulic Equipment

Tips For Surviving A Falling Elevator

byAlma Abell

Many of us ride everything from hydraulic elevators to Traction Elevators in Washington DC every day with no concern for their safety. They rely on the complicated mechanisms and safety features in all modern day elevators to get quickly and safely from one floor to the other.

Although, elevators plummeting to the floor of the buildings they service very rarely occur, you can be sure that when it does the events are catastrophic to say the least. If you are ever in any plummeting Traction Elevators in Washington DC, there are a few tips that you can follow to increase your chances of survival. Read on for a few of those tips below.

Remain Calm

You need to know that you have more of a chance of surviving an elevator falling, if you remain calm and try to reason out the problem. The elaborate safety features built into modern elevators are there to help you along the way. With the strong cables attached to elevators today, they very rarely ever fall all the way to the bottom floor. So, you have more of a chance of getting hurt than you do of dying in an elevator accident.

Lie Flat

The first thing you will want to do is lie flat on the floor, in the middle of the elevator or as close to it as possible. Put your hands over your head to protect it and your face from any falling debris.

Never Remain Standing

You never want to remain standing and jump as the elevator hits the bottom to save yourself. This is going to do you no good, because gravity won’t let it. The safest place to be is in the middle of the elevator laying on the floor. You want to ignore everything that you see in the movies, because it is just the movies of course.

These are just a few tips that you should follow to avoid being hurt in an elevator accident. You can visit the website today for more information on elevators and what you can do to save yourself in a fall. You should remain calm and lie flat if you want to survive.

US Court of Appeals reduces sentence for former Philippines officer in spy case

Monday, February 9, 2009

Michael Ray Aquino, a former Philippines National Police officer serving six years imprisonment in McRae, Georgia for espionage could now be eligible for immediate release after a United States Court of Appeals for the Third Circuit judge panel Friday modified a United States District Court for the District of New Jersey‘s judgment, ordering a resentence of the accused under more lenient guidelines.

“I feel relieved for Michael Aquino and his family. We won the appeal. Michael will be resentenced. His new sentencing range will be 36-46 months (that is, essentially time served). Aquino has now served exactly 41 months in prison to the day on Feb. 9, 2009,” Aquino’s lawyer, Mark A. Berman, Esq. said. “The accused pleaded guilty to merely to possessing military secrets, and a three-judge panel of the Third Circuit Court of Appeals agreed that Walls erred in using harsher sentencing guideline reserved gathering or transmitting classified documents,” Berman added.

But Federal prosecutors had argued for Walls’ sentence, alleging “his guilty plea included acknowledging the stolen documents could have been used to harm the United States, making him eligible for the stiffer sentence,” Christopher J. Christie, U.S. Attorney for the District of New Jersey submitted. “Crimes like these strike at the heart of our national security because they involve our keeping our secrets secret. These defendants will face the full weight of federal prosecution,” said US Attorney Christie.

“The arrests of Leandro Aragoncillo and Michael Ray Aquino affirm the FBI’s commitment to apprehending those who would seek to reveal classified information to foreign nationals,” explained FBI Special Agent in Charge Leslie Wiser Jr. Both accused were ordered in judicial custody without bail by United States Magistrate Judge Patty Shwartz in September 2005.

“While Aragoncillo was an active participant in the offense, Aquino’s role was purely passive,” wrote Circuit Judge Maryanne Trump Barry in a written opinion promulgated Friday, in “US v Aquino” (No. 07-3202), an appealed case originating from D.C. Crim. No. 05-cr-00719. In the judgment, federal judges Barry, Michael Chagares and Jane A Restani, Chief Judge of the United States Court of International Trade, sitting by designation, have acknowledged that Judge William H. Walls’ interpretation of the harsher sentencing guideline was understandable, but the statute is imprecise. “Accordingly, we will vacate the judgment of sentence and remand for resentencing,” the panel ruled.

“The Honorable Maryanne Barry” is a United States Court of Appeals for the Third Circuit judge, daughter of Mary MacLeod Trump, who hails from Tong, Western Isles. Barry is the older sister of real estate mogul Donald Trump and the mother of David Desmond, who is a neuropsychologist and the author of the satirical novel Oliver Booth.

The espionage case was the first of its kind, obliging the Court to turn to the dictionary instead as a legal tool to resolve the landmark case. Circuit Judge Barry then used the 1993 version of the Webster’s Third New International Dictionary to define the word “obtain.” The pertinent part, pages 9 to 10 of the 13-page decision provides as follows:

First, Aquino never admitted—at least in so many words—that he “obtained” the documents found in his possession. According to Webster’s, “to obtain” means “to gain or attain possession or disposal of usu[ally] by some planned action or method.” Webster’s Third New International Dictionary 1559 (1993). This has an active connotation. At his sentencing hearing, Aquino answered in the affirmative when asked whether he had “receiv[ed]” documents (App. 44) that Aragoncillo “was providing” (App. 45) or “transmit[ting]” (App. 46). At no point was “planned action or method” on Aquino’s part even suggested. While Aragoncillo was an active participant in the offense, Aquino’s role was purely passive. In short, there is no sound textual basis for selecting either § 2M3.2 or § 2M3.3 to address Aquino’s retention offense at Step One. Fortunately, at Step Two, the Sentencing Commission provided guidance that makes it functionally irrelevant whether we begin our analysis at § 2M3.2 or § 2M3.3. Critically, the District Court did not heed what the Commission had said.—”USA v. Michael Ray Aquino,” Case No. 07-3202, Circuit Judge Maryanne Trump Barry

Judge Walls sentenced Aquino to 76 months imprisonment for violation of 18 United States Code 793(e), punishable under the harsher United States Sentencing Guidelines, 2M3.2, (Gathering National Defense Information, which imposes 35 years sentence if top secret and 30 years, if not) instead of the more lenient 2M3.3 (Transmitting National Defense Information, etc.)

Because of the Barry decision which modified the original Hall’s sentence, Aquino now faces 37 to 46 months imprisonment when he is resentenced by the United States District Court for the District of New Jersey. Since he has already served 40 months, he could be immediately released.

But since he was initially arrested in September 2005 for tourist visa rules violations, he will be delivered by the judicial authorities to United States Citizenship and Immigration Services when he leaves McRae Correctional Institution in Georgia. Aquino will be processed for deportation. McRae is a city in Telfair County, Georgia, United States.

Michael Ray Aquino was a former Deputy Directory of the Philippines National Police Intelligence Group and former senior superintendent of the now-disbanded Philippines Presidential Anti-Organized Crime Task Force under former Philippines president Joseph Estrada.

On November 24, 2000, PR man Bubby Dacer and his driver Emmanuel Corbito were kidnapped along the corner Zobel Roxas Street in Manila and the South Super Highway by gunmen believed to be members of the PNP. Four days after, the victims’ charred remains, consisting of burnt bones, metal dental plates and a ring, were later found in Barangay Buna Lejos, Indang, Cavite. Both victims were killed by strangulation.

P/Col. Glenn Galapon Dumlao, one of the accused, named former Po/Supt. Cezar O. Mancao II and former S/Supt. Michael Ray Aquino as the brains behind the crime. Mancao and Aquino were members of Presidential Anti-Organized Crime Task Force or PAOCTF, headed by then Gen. Panfilo Lacson. Suspects Mancao and Aquino left the country after being implicated in the heinous crime. Dumlao disappeared afterwards but later resurfaced in the US.

In 2005, murder cases were filed in Philippine courts and arrests warrants were issued against accused Dumlao, Aquino and Mancao. Dumlao, a resident of Patchogue, New York was arrested and held without bail on November 20, 2008 by virtue of a warrant of arrest issued by Judge William D. Wall. On December 10, Dumlao was ordered extradited to the Philippines by Judge A. Kathleen Tomlinson of the United States District Court for the Eastern District of New York in Long Island, New York.

The initial hearing of the extradition case of Dumlao’s co-accused, Mancao II, now detained in Florida, was held on December 3, in the US District Court in Southern Florida in Fort Lauderdale. Justice Secretary Raul M. Gonzalez had requested the US Justice Department to extradite Mancao and Dumlao to face murder charges in the Philippines. An extradition hearing has yet to be initiated for Aquino, although, as trusted officer of then PNP chief, now senator, Panfilo Lacson, was also requested for extradition by the Philippine government to face trial for the Dacer-Corbito double murder.

“Sir, the other day Leandro ‘Lean’ Aragoncillo called me. … He wants to talk to you and give you some updates on the political situation in the country,” wrote Aquino in an e-mail of January 2005 to his former boss Sen. Panfilo “Ping” Lacson. “I find all the information that you are sending me very useful. I hope you will continue sending more,” replied Sen. Lacson in an e-mail he allegedly sent in January 2005 to Aragoncillo. “By no means would you show this information. … I will be affected severely. Again, please protect the source – Me,” said Aragoncillo in an E-mail he allegedly sent in August 2005 to former Philippines President Joseph Estrada.

In March 2005, Aquino was arrested by immigration authorities for overstaying his visa. He contacted his friend, Leandro Aragoncillo, a Philippine-born civilian FBI Intelligence Analyst, who worked in the White House (between 1999 and 2002) as “administration chief” of the security detail assigned to the Vice President (Gore and then Cheney). However, Aragoncillo’s efforts on Aquino’s behalf eventually led to Aragoncillo being investigated by the FBI. In the course of that investigation, evidence of espionage against the United States Government was uncovered.

According to reports complied by Filipino intelligence professionals, there were indications of a link between Aragoncillo and the French intelligence service, Direction générale de la sécurité extérieure. Frequent visits by Aragoncillo to Manila allegedly were interspersed with clandestine meetings between identified, French operatives and several “illegals” (i.e. unregistered agents) around 2002 to 2004.

“What it means is that there is a hole in White House security. There are two kinds of people at the White House: Those that have been very well-vetted and those that have been extremely well-vetted and have access to the top secret computer network. This man had access to the top secret computer network.” said Richard A. Clarke, a former White House adviser.

“The FBI said Aragoncillo was concerned about e-mailing from his personal account so many classified documents from FBI computers, and he asked one recipient, Filipino opposition Sen. Panfilo “Ping” Lacson, whether he was a nuisance. “The reply, court records say, came back two days later in a cell phone message intercepted by the FBI: “What you are sending are never a nuisance to me. They are in fact informative and very useful,” Clark added.

In September 2005, Aragoncillo, a retired US Marine Gunnery Sergeant with 21 years service was suspended by the FBI, and arrested for violation of Title 18 of the US Code, Sections 371 and 951, admitting espionage activities from August 2000 to August 2005, and taking files while working under VP Cheney from 2001-2002, including giving information to another country.

In July 2007, Aragoncillo, age 50, a naturalized US citizen residing in Woodbury, New Jersey was sentenced to 10 years imprisonment for “transferring classified information to assist in overthrow of Philippines government.” Aragoncillo, admitted passing information by cellphone text messages and e-mail messages through Hotmail and Yahoo accounts, to Aquino, former President Joseph Estrada, Sen. Panfilo Lacson, and opposition politicians, who wanted to oust Mrs. Arroyo, including former House Speaker Arnulfo Fuentebella, according to court documents. He will be released from Federal Correction Institute in Big Spring, Texas on May 28, 2014.

The court fined Aragoncillo $40,000. “I never intended to cause harm or injury to the United States,” Aragoncillo told the judge. In July 2007, Sen. Panfilo Lacson as well as deposed president Joseph Estrada have admitted to receiving information from Aquino, but they denied any conspiracy. “Aquino is determined not to return to the country,” said Sen. Lacson, who admitted extending financial support to Aquino and his family.

In July, 2008, Sabina and Carina Dacer, the daughters of missing public relations man Salvador “Bubby” Dacer testified at the Manila Regional Trial Court (RTC), after almost eight years of self-exile in the United States. “In his exact words he said, ‘mga anak, kung may mangyari sa akin, walang ibang may kakagawan noon kundi si Ping Lacson, (my daughters, if anything happens to me, no one but Ping Lacson is responsible)” Sabina Dacer told ABS-CBN News and Current Affairs. “Hindi naman kilala ng daddy ko si Michael Ray Aquino as far as we know eh. So kung hindi siya kilala ng daddy ko, sino yung kilala niya na kilala ng daddy ko? (My dad does not know Michael Ray Aquino as far as we know. So, if my dad does not know him, whom does he know that my dad knows?)” Carina Dacer said.

Sen. Panfilo Lacson has vehemently denied any involvement in the Dacer-Corbito murder case. “For the Nth time, I will assert the truth that I had nothing to do with it,” said Lacson in a text message. “They can lie and make people lie even under oath and before a court of law to make me look bad and guilty in the Dacer case. In fact, right after Dacer disappeared, the family sought my help… And I responded the way I should as a law enforcement officer at that time,” Lacson explained.

On Saturday, September 10, 2005, Aquino was also arrested at Queens, New Jersey and was charged with conspiracy and acting as an agent of a foreign official in the jurisdiction of the United States District Court for the District of New Jersey, presided by U.S. District Judge William H. Walls. Aquino was accused of helping Aragoncillo transmit classified United States documents regarding President Gloria Macapagal-Arroyo to her opponents in the Philippines, including both former President Joseph Estrada and current opposition leader, Panfilo Lacson, who had been Aquino’s superior in the police force.

In an indictment of 6 Oct 2005 signed and filed by United States Attorney Christopher J. Christie, the Grand Jury sitting at Newark, New Jersey, accused Aquino with charges of – “knowingly communicating classified information by a government employee to an agent or representative of a foreign country (i.e. receiving classified information), acting as an agent of a foreign official without notification of the Attorney General, in violation of Title 18 of the US Code, Section 951, conspiracy to commit all of the above offenses in violation of Title 18 of the US Code, Section 371, and not cooperating with authorities, under Title 18 of the US Code, Section 2.

Under an eventual plea-bargain agreement, Aquino entered a plea of guilty to illegal possession of classified documents, but avoided the more serious charge of espionage which Aragoncillo received. On July 17, 2007, Aquino was sentenced to six years and four months in prison by U.S. District Judge William H. Walls. Federal prosecutors had sought the maximum 10-year term.

Aquino “did subject our nation to some peril,” ruled Judge Walls. “I am sorry for what I did. I never had the intention to harm the United States. I love this country,” said Aquino who addressed the court for three minutes before sentencing, and apologized. On November 21, 2008 his reduced sentence request was submitted to the appellate court.

Meantime, the Philippine National Police (PNP) is monitoring developments in the Aquino espionage case. “Of course we are interested in his case, but all we can do is to wait for the outcome of the case of Michael Ray in the US,” said a police official.

The Alliance for A Just and Lasting Peace in the Philippines has criticized the judgment: “For the AJLPP the news of the release proves that the charade of injustice is ever present when it comes to the cabal of AFP men who served as worst human rights violator and proven puppets of the United States military like the Lacson boys,” the AJLPP said. “On the other cases of oppressed immigrants like the Baoanan case languishes in courts and not acted upon. So much for double standard of American justice system.” The AJLPP statement concluded.

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Alleged tax-haven scheme linked to Canada’s largest brokerage firm

Wednesday, December 16, 2009

In a continuing crackdown on tax evasion, the Canada Revenue Agency (CRA) has alleged that brokers with a branch of RBC Dominion Securities, Canada’s largest brokerage company, helped clients set up accounts in the small European principality of Liechtenstein in order to avoid taxation on their wealth.

In affadavits submitted by the CRA, brokers with an RBC Dominion Securities office in Victoria, British Columbia, allegedly helped clients set up 16 offshore entities with a division of the LGT Group in Liechtenstein. While that is not a crime under Canadian law, auditors allege that the entities were used to help Canadians hide worldwide income. Thirteen individuals are either being audited or have made voluntary disclosures, admitting to tax evasion. The agency is presently investigating to see if there are any other individuals participating in this scheme. Regarding the inquiry, dubbed “Project Jade”, the CRA will only say that it was launched on information from a “confidential informant”.

RBC issued a written statement, saying “As a firm, we have never encouraged Canadians — not 25 years ago and not today — to set up entities in Liechtenstein, and we have never instructed our investment advisers to recommend that practice,” and “we comply with all CRA requirements. This means that we provide all our clients with the forms they need to meet their personal tax obligations, and also file reports with CRA that form the basis for reviews such as this.”

Three RBC employees are presently being investigated, with one remaining unidentified.

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Alex Reid wins UK’s Celebrity Big Brother 2010

Saturday, January 30, 2010

Mixed martial arts fighter Alex Reid, nicknamed “The Reidenator”, has been voted the winner of UK Celebrity Big Brother 2010. He won what is the last series of the programme in the final on Friday night, having received 65.9% of the votes from the public.

Musician Dane Bowers finished in second place, while Vinnie Jones, a former British soccer player and now a film actor, came in third place. After his departure from the Big Brother house, he commented about Alex: “I taught him everything I know.” Vinnie had become unpopular with fans as he was said to have been bossy to other celebrities inside the house. Speaking to presenter Davina McCall, he stated: “I was just trying to keep order in the house because a lot of people were selfish. I was just trying to keep some stability in the house.”

Musician Jonas Altberg, better known by his stage name Basshunter, finished in fourth place. Actress Stephanie Beacham left the Big Brother house in fifth place.

Alex Reid has been the girlfriend to former glamour model Katie Price since July 2009. Fellow housemate Dane has also previously been Katie’s boyfriend. When Davina McCall mentioned Price during the interview with Alex, the crowd gave out a negative reaction of booing. In response, he said: “Come on guys, don’t do that. I’m sorry guys… I’m not sorry, I really love Katie Price.”

During the interview with Davina McCall, Alex commented about his victory. He said: “What an amazing, fantastic start to a new year. Vinnie has been very inspirational to me. He’s transitioned from athletic to actor, which is what I want to do. I’m not getting booed now. That’s amazing… I’m speechless. My whole agenda in here was to be myself.” Alex also spoke of contestant Dane. “I was surprised by what a cool dude he is. I’m really looking forward to seeing more of Dane,” Alex said.

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Workplace Policy

Having A Clear Understanding Of What Bankruptcy Des Moines Means

byAlma Abell

One of the most important things that a bankruptcy attorney brings to the table is explaining what exactly Bankruptcy Des Moines is. Most people understand that filing bankruptcy is about eliminating some of your debt. However, they are unaware of the fact that there are limitations and consequences associated with filing as well. Some people are surprised to learn that they might be better off pursuing a debt settlement than filing bankruptcy depending on their financial situation.

Deciding What Kind of Bankruptcy To File

Chapter 7 Bankruptcy

Chapter 7 is also referred to as liquidation or straight Bankruptcy Des Moines. Chapter 7 is reserved for individuals who are buried under an unreasonable amount of debt. Any way you slice the debt it is not physically possible for someone to pay it off in three to five years. A lot of people consider Chapter 7 to be the better option because it wipes the slate clean. The only downside to Chapter 7 is the fact that some of your assets will be seized and liquidated in order to pay the creditors the money you owe them.

Chapter 13 Bankruptcy

A lot of people consider Chapter 13 to be more responsible option. This is because Chapter 13 is about committing to a repayment plan and paying off all of your debts in the next three to five years. Chapter 13 is the option for people who still want to file even though they do not qualify for Chapter 7.

When you consult with a bankruptcy lawyer they are going to help you figure out whether or not Bankruptcy Des Moines is the answer to your problems. They are going to help you figure out what kind you should file; and then they are going to help you do all of the paperwork. Hiring a lawyer for the paperwork alone is enough of a good reason because one little mistake could end up costing you really big when it comes to filing.