While bankruptcy can actually help get rid of your debts, it’s an option which is not viable for just about everyone. There are several consequences if you choose to go bankrupt and those consequences would have a major impact on your day to day life as well.
So who can actually apply for bankruptcy? The following are instances when it’s perfectly all right to file for bankruptcy.
In case you are unable to pay all your debts off
You don’t own a great many valuables or there is little or no equity on your home
There is absolutely no other option left for you and things don’t look so good either
While there is no set amount of debt you need to have to file for bankruptcy, the general rule of thumb applies. If your debts are more than all the assets that you own then bankruptcy is the only resort for you. Ensure you seek bankruptcy help or advice in Australia to make sure you have all the information required.
When is bankruptcy not an option? In all of the following cases, filing for bankruptcy might not be the right way to go about it. These include all of the following:
If you own less than $30’000, and the belongings which you have do not aggregate to more the $2000. In such cases it is better to apply for a debt relief order.
If you are working in such a field in which filing for bankruptcy would cancel your license to practice. It holds for people who work as solicitors, accountants and estate agents.
You would rather avoid debt problems coming under the public eye
If there is a chance that your circumstances would be changing in the near future.
If your pension is relatively bigger than your debt, you may not be allowed to file for bankruptcy.
Other factors to consider
Some other factors to consider include the following:
Going bankrupt can cost around $1000. Do you own that much amount?
You may also lose your home because it would be sold off to pay your debts. If you are renting a home you may not risk losing it. However there are certain conditions when you can’t rent a home especially when you have filed for bankruptcy.
It would also have an adverse effect on your credit rating. You may not be able to get a loan or run a business because it would have a negative impact on your credit rating.
Any belongings that you own might be sold off to pay off your creditors.
Plus make sure you get to know what debts the bankruptcy covers. There are certain debts like student loans of magistrate fees which are not covered by it.
You can even check out alternatives to bankruptcy. Some of these include:
Debt relief order works well for those who have less than $30’000 in debt.
You can try for individual voluntary arrangement. If you can take out a set amount of cash each month to pay your creditors it can help get rid of the debt in the long run?
Being a beginner criminal defense lawyer can be a bit daunting. The job can be pretty tough and different from what you have imagined. Do you think watching Suits has prepared you well for the fieldwork? Unfortunately, that might not be true. There’s a lot more to it that you need to know as a beginner criminal defense lawyer.
As a beginner lawyer, it is natural and to some extent important, wanting to win the cases if you want to make a good start and a good repute in the market. Here we have a few tips and tricks that can be helpful for any beginner criminal defense lawyer.
Build a Connection with your Client
Many beginner criminal lawyers canberra make this mistake and believe that creating a bond with their client isn’t necessary especially when the other is accused of committing a crime. But regardless of the crime, having a bond with your client is the key. It can sometimes be very difficult to find a common ground and you might be naturally inclined to not want to find a commonality with a person accused of a crime. But it is always wise to keep personal feelings aside. Make your client feel comfortable and inspire trust in you. This way they can open up to you better. Try to relate to them so that they know you are working in their interest. They would trust your decisions more this way and would be willing to go in whichever direction you take them.
Make an Impression
The impression that you build on judge, jury, plaintiffs and in fact, all the parties involved in the case has a heavy impact on your standing. It is usually said that the first impression is the last impression. Keep this in mind even when you are in the courtroom. Make a very clear opening statement, as it’s your first opportunity to present to the jury and get their attention. Don’t forget to maintain your confidence throughout the proceedings. One thing must be kept in mind is that if you, as a criminal defense lawyer, aren’t confident then convincing others can be almost impossible. Moreover, take full advantage of cross-examination. However, keep it simple. Just make your point and move on. Lastly, close the argument boldly and with confidence. Use your voice to correctly highlight strong points and keep the closing statement concise.
Being a beginner criminal defense lawyer, you need to take care of not only the judge but of the jury panel as well. Voir Dire is an art of examining the jurors. Gaining the support of jury can be more challenging when you are a criminal defense lawyer because no one generally supports crime. A tip for this is to always observe the body language of jurors. Experts advise that jurors that laugh or smile on jokes are usually on your side. Similarly, you can judge from their expression if they are turning away. In short, if you want to be a successful criminal defense lawyer, you need to practice the art of voir dire.
Smart business owners know how important it is to manage legal issues in order to run a business smoothly. Hiring Gold Coast lawyers can smooth out any legal issues which your business might face.
The biggest legal mistakes often pertain to money matters. It’s common for business owners to take loans for their business. When looking for funding there are quite a few business owners who might become prey to loan sharks or unsecured loans. Therefore it is important for business owners to fully research the company or individual from whom they borrow money.
Another issue which could arise is due to misuse of disuse of contract. Such business agreements are crucial for a company and could prevent a business from losing its clients. However a breach of contract either on part of the employees or the employers can a legal suit filed against a business. In order to avoid such issues it is advisable to have a lawyer draft out these kind of documentation.
Business owners also make the mistake of building a wrong type of entity for the business. An individual company owner might take up sole proprietorship when they actually should have taken up Limited Liability Company. In another scenario many partners would start a partnership when they should have actually started a corporation. This though might seem not a big deal but could cause future problems for any business. Tough these issues can be resolved eventually it is smart to avoid such mistakes altogether by consulting gold coast lawyers.
When there are more than a few people involved in the business it is necessary that all people are aware of their roles and responsibilities in the business. A legal contract which outlines all these issues should be drawn out with the help of lawyers in Gold Coast.
Also care must be taken when filing out for loans or filing applications with officials. It would require the drafting of various contracts and getting to know all there is to about a business venture. It is necessary to carry out due diligence. It’s a process which is carried out to analyse facts learn about all the elements in a business.
Keeping all the above mentioned things in mind can help business owners get their company to flourish. When they have the right kind of legal guidance they can rest assured that they won’t get into any legal trouble.
When hiring Gold coast lawyers keep the following things in mind
Find lawyer who are well versed in the art of business. They should know what new business owners need and would be able to help you better
Ask around. If you know acquaintances who have benefitted from legal help, they can guide you to whom you should talk to.
Despite having a small business it is still advisable to hire a business lawyer to keep things running smoothly.
For more information on lawyers in gold coast, make sure you check out who are the most suited to your needs.
There are times when couples wonder when they are eligible for divorce after separation. The easiest answer is twelve months and one day from the date of separation.
So how do you define separation? Separation does not mean living in separate places. It is not solely defined in terms of physical separation. Because there are times when couples are subjected to physical separations like in case of couples where one partner could be working for the military or be in a nursing home.
The separation period starts in any of the following cases
When there is an intention of separation by one or both spouses
Suppose one of the spouse decides to move out of the home or resolve to use a separate bedroom
In situation when only one of the spouse decides on separation and lets their intent be known to the other
It is from the date of that intention when the actual time period of the separation start.
What is a difference between a separation and a divorce?
A legal separation is an alternative to a divorce. A divorce can permanently end a relationship, a legal separation helps keep your marriage inn place. Like a divorce couples can file for separation of assets like property or business. In a separation you are still husband and wife and that lets you enjoy certain privileges. It is something which is recognised by the court and could change the dynamics of your wedding.
There could be many reasons why a couple decides to get separate. Some couples feel that they ned a certain time apart from each other to think about their marriage and whether they would like to make it work or all it altogether. The separation period allow couples time to think on what I important for them.
Legal separation allows one of the spouses to enjoy social security services which might end with a divorce.
Not everyone could opt for legal separation. For that you need to make sure whether the place which you live I recognises legal separation. However, it should be kept in mind that legal separation can only be held for a certain time period. For some places it’s exactly a year and in other places it would somehow be the same.
Protect yourself with family lawyers in Gold Coast and find a lawyer to help you decide what your options are when it comes to separation or divorce. A good family law firm in Gold Coast could help you with legal issues pertaining to your marriage and child custody. If you wish to go ahead with divorce after the separation period is over you would need the services of a professional family lawyer. They would be able to guide you through the legal proceedings and help make the process as smooth as possible. There are bound to be a bit of disagreement in both parties but nothing which cannot be resolved in your lawyer’s office.
IP lawyer, corporate lawyer, employment lawyer…it seems like there is an endless list of different types of lawyers. Luckily, you don’t have to know each one and probably you won’t need most of them in your entire life. However, there is one type that you do need to remember – a probate lawyer.
Unfortunately, you can’t live forever, and after you die someone will get your debt and/or your assets. So, which of your closest family members is going to receive that? At this point, you realize that you will need a probate lawyer.
So, what exactly is a probate lawyer? Well, the simplest explanation is that it is someone who manages the probate process. Before you proceed searching for probate lawyers in Sydney, Australia, it would be best to learn several things about hiring a probate lawyer.
With a will
Many individuals decide to leave a draft of a will before their death, which is also a better option for the probate lawyer. The process this way would go much easier, as the only task the probate lawyer would have is to advise other parties of your wishes in accordance with the law. However, he/she may face an issue if another lawyer tries to prove the will is not valid, reviewing the draft and the reasons for it. If the individual is very old or has problems with his/her memory, others may try to influence him/her in order to inherit money or other type of property. This is why lawyers need to pay close attention to the will, as in some cases it may not include the best ending for the individual.
Without a will
Compared to the first option, going through probate without a will is obviously much more complex and more work for a lawyer. If the individual doesn’t leave a will, then his/her debt, assets, and estate is distributed following the intestacy laws of the state. This means that the probate lawyer will need to help the executor with the distribution. The probate lawyer in Sydney will need to follow the intestacy laws and make the distribution regardless of the wishes of the deceased individual. In case one of the partners die, the spouse inherits all of his/her properties.
If you look at the map of Sydney, Australia, or you take a walk in the city, you will easily notice many probate lawyer offices. There are many law companies offering nearly the same services, so it won’t be easy to choose one. Finding the best one is based on opinion, which is subjective, so you will need to take care of several things before deciding. In order to find the best probate lawyer in Sydney, you will need to focus on the benefits the firm can offer to you, as each law firm has different advantages. This includes expertise and experience, as well as pricing the services. With or without a will, the choice of hiring a probate lawyer is still yours, so research your options and make the best decision.
4 Useful Tips That You Should Follow When Choosing a Private SEO Agency in Gold Coast
When you are choosing a good Gold Coast SEO agency, you should be familiar with a few useful tips so that the situation will be a piece of cake for you. Take time to read the list below for you to know some of these useful tips.
The following lists below are the useful tips which will help you to choose a good SEO agency on the Gold Coast.
1. Ask Recommendations
First of these useful tips that you have to follow is that you should ask a few recommendations from your friends and colleagues on whom you can depend. Typically, a good SEO company gets known by the people through the mouths of its previous clients. These clients share their experiences with the SEO agency and how the agency had helped them. Furthermore, they can also tell how competent the SEO agency as compared to the other agencies out there. With this, ask any of your colleagues and friends if they have been a previous client of a good SEO company.
2. Look on the Internet
All things that you need to know can now be found on the internet so, why not use this method when you are choosing a top Gold Coast SEO agency? Furthermore, since that SEO agencies offer services that are related to the internet, you can expect that you can find these agencies on search engines such as Google as well. Look and search for a good SEO agency which you think the best one and will suit your preferences. However, you just need to be careful and alert since that some information on the internet is not authentic and legitimate.
3. Check the Website of the Agency
Aside from that, you should also check the website of the SEO company, if it ranks well on the pages of search engines like Google. It is one way of determining if the SEO agency lives up to its promises of providing high – quality SEO services. SEO agencies that cannot rank their website on the search engine’s first page may not do this to your website as well. With this, you should only choose a good Gold Coast SEO agency so that you can get the ultimate SEO services. You can also check the websites of their previous clients for more assurance.
4. Determine the Agency’s Techniques and Strategies
Lastly, you have to determine the different techniques and strategies that the SEO agency uses before you choose it. This factor is important, since there are some SEO agencies that utilise black hat methods, which are prohibited. A top SEO agency does not use any of these black hat methods, rather they only use effective techniques and strategies. With this, you can be assured that you can only yield the best results.
Overall, these useful tips that are listed above are just some of the many tips that you need to know when you are facing this situation. You can learn more by asking the experts on this matter.
Cybersecurity threats are constantly increasing, and it is quite difficult to understand all the potential cybersecurity threats which are recently growing. To keep our systems secure we need to make sure that our online presence is safe. Cyber attacks can be handled only when they are thoroughly understood. To protect your system from various data breaches and cyber threats you need to maintain your systems with high integrity. The following are some of the common types of attacks which are seen in today’s word.
Just a few years back phishing was in its infancy, but now it has become one of most significant risks to systems. Lack of awareness is one of the main reasons for this threat. One cannot say that people who have limited experience with computers are more prone to such threats, but phishing can attack people from all walks of life. There has even been a case where the CEO of FACC AG was convinced to transfer about £39 million from the company.
Scammers are experts in digital impersonation and these attacks often rely on the trust which business hols with its colleagues. To avoid such threats, you need to make sure not to open any suspicious emails.
Most of thinking that robots are only used for science fiction movies and AI is something which is to come after so many decades but the development in such technologies are growing at a very fast scale and before you could know these bots would have taken up the world. Hackers use bots to scan your computer to check for any weak points in various software updates, access points through which they can hack into your system and even scan for any important credit card information.
Attackers love using malware to get a hold of your computers and once they do that they can wreak it and bring all sorts of havoc by taking the help of your system. They will be able to monitor from your system, send confidential from your computer to any system. Make sure that you are not tricked into downloading any suspicious file or open any attachment which might look harmful.
Denial of Service:
Denial of service is when you flood a website with traffic so that the users will not be able to access the site. Attackers flood a website by creating an overwhelming amount of traffic so that the website shuts down and the users will be unable to access the site. When denial of service attacks is made by many computers at the same time, it is called as the DDoS (Distributed Denial-of-Service Attack). The DDoS attack can be much harder to trace as the attacker will be using many computers from all over the world which makes it harder to find the source of the computer.
We are in the world where we use electronic systems for almost every transaction. There are many electronic systems, and all of them deal with data. Data is something which is considered valuable, and people are often quite sensitive to how their personal information is being handled. Due to the value of data and its impact it has on people, there is a massive demand for data security.
What is data security?
Data security is the process of securing the data and protecting it from unauthorised and corrupted access. Not all data might be sensitive, but others might be private and valuable. When unauthorised access to such data is enabled, it may create problems as it can be used by people who should not be using it. Data security is the measure which is taken to prevent the loss of data through these unauthorised accesses. There are many ways to protect data, and some of them include strong user authentication, encryption, data erasure, backup etc.
The following are some of the reasons why we need to protect data:
Data is an asset:
Anyone who is running a business would understand how data can be considered as an asset. Information about the products or the services they provide is very important. Marketing and financial plans of the company cannot be shared with anyone as competitors may use it, and this could bring your business down. Client information is also quite sensitive, and businesses make sure that they keep such data very safe and confidential.
To maintain business reputation:
All business provides services and products to their clients. When a client is buying a product using their credit card from your company they trust you and provide sensitive information to you. It is up to the companies and business to keep such information safe and secure. Even an unintentional leak of data can cause considerable damage to the reputation of the business. Companies need to take precautions and educate their employees not to share any sensitive information as security breaches in more than just money at stake; it takes down the reputation of the company along with it.
Preventive security measures:
If you happen to have a business, you need to make sure that you are regularly backing up your data. You can either store it in a physical storage device or use a could server. You need to take backups as you will be able to access data from an earlier time and it is also one of the best ways to retrieve data if you had lost your current data.
Data recovery is when you have to reclaim your data due to the damaged storage. Regular data backups can help in the process of data recovery. If your business has a data security strategy, then data recovery must be a part of it.
Firewalls help you to monitor and control the network traffic. You can restrict access and prevent the spread of malware to your systems.