Legal Debt Relief Tactics – How Debt Settlement Programs Really Work

The process of debt settlement is not a new introduction in the market at all. This method was present in market for quite a long period of time but it actually came in to public’s fame after the bang of recent inflation. Since the recession has hit the economy, people are finding no means to achieve financial stability. Due to this, they are not in position of paying back the amount to their lenders. The financial lenders are not interested in the economic conditions of the people. They just want their money back by any mean. Though debt settlement brings quick reduction in the amount of debts but still people are not adopting this method as they have many fears and uncertainties in their minds. The given article will help out in learning that how debt settlement programs actually work.

The process of debt settlement really works for the benefit of common people. It is the only option that can bring marvelous reduction in the amount of debt. Settlement deals can be done in two ways. A person can do it himself or he can take the help of professional settlement/negotiation companies. It is always considered good that a person should take the help of professional companies, as in this way the chances for getting maximum reduction are high. In professional companies the process of settlement is done by certified and skilled negotiators. They negotiate with the lender and convince them on giving reduction in the balance that person has to pay. Lenders never get ready for reduction easily. These experts put many efforts in order to get them agreed. After the success of a settlement deal a person can get 50% to 70% elimination in the remaining amount easily and the left over balance will be easily paid off according to the mutual willingness of both parties.

New laws of settlement are making this process more authentic and reliable. The new laws strictly mention that Settlement Company is not legally accountable for charging the service fees in advance, they can ask for the fees only after delivering the services properly and successfully. If any company is not following the new rules then it means it is not falling under the category of genuine and legitimate companies.

Fame Addiction – Human Train Wrecks As Entertainment

Jon & Kate and the balloon boy hoax are the latest in what is growing into a disturbing, albeit ever-expanding list of fame addicts; people who become famous, simply because they crave fame. I’m already beginning to miss the tabloid-hell days of Paris Hilton and Brittney Spears. We have hit a new deranged zenith when it comes to fame addiction. This is a strange malady. The most bizarre aspect of this addiction is that fame, in whatever form it comes, is the objective. It used to be that fame was the desired byproduct of a triumphant career. You became famous because you were a successful actor, or you recorded a hit song, or created a unique new product. Now fame, in and of itself, is truly the name of the game.

How did we get here? From my perspective it goes back to the O.J. Simpson murder trial. That was perhaps the first true reality show. A real life trial became a form of entertainment, beating the ratings of most daytime shows that went head to head with it. We then had a flurry of celebrities-gone-wrong tabloid stories. These celebrities gained media coverage for their notoriety not for their talent. Paris Hilton then took the forefront, becoming internationally famous for, well… for being Paris. Next came the true seismic shift, as reality TV began to make its mark. People began to see that they could become famous not for their talent, or their art, but for the simple act of humiliating themselves in front of the world. Apparently for many that’s a trade-off that is more than worth it. Not only are there people who are willing to go to these lengths to grab attention at any cost, but that there is a vast audience willing and eager to watch them do so.

Then there is the business angle, the dollars and cents reason these people exist. We have a voracious 24/7 news cycle. Along with the networks and cable, we now have blogs and social media sites. For years now, the news has been more entertainment-based than news-oriented. But, more importantly, (going back to my O.J. theory) after producers saw the numbers generated by the O.J. trial, light bulbs went off from coast to coast. What if they created their own sensationalistic programs? What if they did away with actors, writers, directors, did away with production values and had people humiliate one another on national TV? How inexpensive would it be to produce a series of flavor-of-the-month reality shows as opposed to trying to launch another ER, Friends or Boston Legal? But, would anyone watch? You bet!

It is all a piece, as I see it. You have people who otherwise would have no chance at media exposure, who now dominate the spotlight. You have production companies and networks that realize the value of this type of fame-addicted media personality and you have a public that is being conditioned to watch human train-wrecks as entertainment. So, we end up with The Bachelor, Wife Swap and The Real Housewife’s of Atlanta as our entertainment and metallic hot air balloon hoaxes as the lead stories on the evening news. I suppose we’ve earned it.

Copyright © Anthony Mora 2009

The Legal Problems That You Ought To Know As An Online Home Based Internet Marketer

This article is for entertainment only and everyone should consult the proper authority for legal advise.

In these modern days, Internet marketing is deemed as one of the most significant tools which is used by most online entrepreneurs. This type of marketing allows the online businessmen to attract a myriad of customers to patronize their services or goods. Compared to the television, broadsheets, radios, and other media utilities which have been the main source of advertisements since time immemorial, Internet marketing is known to reach out to a wider range of audience or target markets. But hence, Internet marketing has taken the so-called advertising means to a higher level and to a wider horizon.

There is no doubt to the popularity of Internet marketing. There have been a couple of widely used approaches as adopted by various Internet marketers just so they will be able to gain their sales in connection with their products or services. In fact, there are a number of websites which provide free tutorials on marketing and advertising. The more exciting are then these areas of selling made with the fame attached to Internet marketing. And as you may have realized, the future of Internet marketing has definitely a long way to go in the coming generations.

Online Home Based Internet Marketing and its Future

Sure enough, a lot of people are changing their career paths. Many of them have decided to go for an online home based business with the belief that there is more money to it. And as the experts claim it, doing an online home based business is like ninety five percent business related and it is five percent legality. These are the statistics that you should closely remember. Thus, it only tells you that your business is not free from all legal concerns. Internet marketers sometimes forget that there is also a law that governs the cyber world industry. There are a number of legal matters that you must consider to deal with. In fact, your very existence in the online portal is one of the many legal matters that you must settle. Among others are the copyright content articles and the patent or trademark that you would use in the entire operations of your website.

If you would prefer to be guided as you deal with this kind of problem, the best option to choose is hiring a lawyer. This professional knows exactly how to motivate you to face and apprehend the legal matters concerning your business. It is always the safest move to do. Copyrighting your articles and other products may be done by yourself but still with the guidance of your lawyer. When you copyright something, it means that you proclaim the sole ownership of it. No one can actually use your products, services, or contents without your granted permission. but of course, there is no one else who is better in doing this thing other than a professional. This will protect your best interests.

Another importance of a lawyer to your online home based business is when it comes to affixing your signature to a document. Certainly, before you do business online, you would have to sign a lot of agreements whether it is through an electronic signature, fax, or in person. You can never always trust your own judgment and you should at all times consult your lawyer regarding these matters. After all, your lawyer will tell you if you are going to benefit from a business offer and opportunity or if you are in the losing end.

Another legal problem that you are to be faced with is when it comes to the tax advantages of your online home based business. Incorporating your business will have something to do with creating a good impression about your industry. And when you have a good and laudable reputation, a lot other businessmen will come to your for business. However, you will need to face a large amount of expenses when you plan to incorporate your business and so that you will be confident enough in saying that what you are doing is safe and reliable, always trust the guidance of your lawyer.

When you are aware of the legal matters which you must combat and be ready with, the more positivity that you are going to invite for your business venture. A lawyer, so to speak, is the person that you can count on in having a thorough understanding of these numerous legal matters.

Legal Disputes of the Future

Who owns food? Who pays for this accident? Who owns my face? Who owns the Arctic? Who owns the Pacific Ocean? Who owns the sky? These sound like some ridiculous questions at first glance but let’s take a second look at the future through the Great Karnak’s trusty crystal ball.

Who owns food?

Let’s start with this one, since it has, more or less, already taken place. A small landowner in Nebraska named Bill parks his tractor in the shed after a long day of work in the fields. He wipes sixteen hours worth of sweat off his brow while he opens his mail. All bills. Two men in dark suits approach him at the front door and hand him a subpoena. The farmer opens the subpoena, quite surprised to learn he’s being sued by a major U.S. corporation for copyright infringement. It’s a huge settlement they’re after – in the millions. He doesn’t have one tenth of what they’re asking in damages. Since he sits on a tractor most days, he hasn’t got the faintest notion how he could be named in a suit for copyright infringement. He’s certain they’ve got a case of mistaken identity and places the document at the bottom of a pile of correspondence, making a mental note to consult his lawyer about what to do with the nuisance suit.

Rest assured, it’s no mistake. The large U.S. corporation spent millions in developing a strand of DNA for corn that is resistant to a pesticide they also own. When you buy their corn seeds and use their pesticide for your crops, you’ll get excellent results. They copyright the strand of corn DNA they worked to develop. To protect the investment in DNA research they hire over seventy-five corporate lawyers to aggressively prosecute copyright ‘thieves’. They have to establish a legal precedent that attracts a lot of publicity; they intend to branch out into other food stuffs, such as eggs that last longer on the shelf, wheat that produces heavier grain, chickens that add weight quickly, beef that responds to their brand of steroids in cattle foods. The list is endless, and it’s all going to be done by protecting copyrighted DNA strands.

Bill consults his country lawyer about the suit, explaining that he has stolen nothing in his life from anyone. The lawyer does a bit of researching and discovers he’s opposed on the brief by some of the best legal minds in history, paid for by a Dow Jones multinational. He first explains to the multinational that his client doesn’t know how the patented corn seed got into his fields. Possibly the seed cleaning company that strips seeds off Bill’s corn for next year’s crop has intermingled patented seeds with his. He tries to offer a settlement but this is not what the corporation wants. They want a trial. They wish to establish for the record that they’re prepared to sue if anyone grows their corn without paying them for the seeds.

Bill and the country lawyer lose the case which costs him more than he can pay in damages and legal costs. He appeals. The appeal also loses right up to the Supreme Court since copyright law is sacrosanct in the U.S. Intellectual property, in this case a section of DNA, is property protected by the highest court in the land. Bill’s house, farm and equipment are sold at auction to the highest bidder, and the proceeds given to a multinational worth more than a quarter trillion in market cap. The proceeds don’t cover the cost of one of the lawyers for one year, but they’ve earned an important victory – they own food.

Who pays for this accident?

Late June, 2016. A new electric car with one occupant is proceeding along a Florida highway within the speed limit. Up ahead, a tractor trailer crossing the pavement at an intersection blocks the way. The driver, who has the vehicle on ‘auto-pilot’ is reading work-related files and doesn’t see the upcoming collision; he trusts his car will react properly and put on the brakes, as advertized. The software or hardware on the car malfunctions, the result is that the car smashes at full speed into the trailer blocking the road, disintegrating the car and killing its occupant.

Within hours of learning of the crash, the vehicle manufacturer issues a statement: ‘Neither the auto-pilot nor the driver saw the tractor trailer in the blinding sun’, trying to diminish responsibility by including the driver’s inattention to the road. A sharp lawyer advises the family of the deceased to sue, since, by definition, he was not the driver; the car company’s software was driving. The driver of the tractor trailer is found blameless because it was possible to avoid the accident, just as every other vehicle did in this situation.

The impending lawsuit sends shivers down the corporate world’s spine. Will they be forced to halt production of their cars? Offer compensation in the billions as GM or Ford experienced? Will it affect future car sales? Will there be expensive recalls? Their very survival hangs in the balance on the outcome of this legal battle. The car company uses as its indemnity the disclaimer every software user accepts before they can switch on the ‘auto-pilot’. Use at your own risk, they say, just like all software. If a calculator gives you the wrong answer, is the calculator manufacturer to blame if you make a wrong bid on a billion dollar tower construction and lose your shirt because of it? No, it’s the user’s responsibility to check all calculations.

Not so fast, says the family’s lawyer. I present to you as evidence sales material from the car company showing people in these cars on ‘auto-pilot’ busily reading files related to work, texting on their phones, eating sandwiches and coffee, streaming movies. The company has promoted the auto-pilot as reliable, in fact more reliable than humans. The manufacturer, in order to sell the product, has accepted the responsibility for the safety of its passengers, or users, by heavily implying that users can relax while the software guides them safely to their destinations. It’s the car company that killed their client, no one else, by encouraging the car buyers to trust the software to the extent that they don’t have to pay attention to the road ahead. Why else would you buy it?

Insurance companies are prepared to fund the legal challenge to a successful outcome. They want a clear definition of who’s at fault before they begin underwriting any more policies. Driverless car manufacturers are rushing headlong into the intersection of Lawyer and Technology Streets with their eyes closed. Keep watching this space, you’ll never see a bigger smash-up.

Who owns my face?

Brad Pratt is a famous movie star. His wife Angie Groaner is too. They’re fed up to the teeth with being filmed by paparazzi. Brad is filmed in public toilets. Angie is filmed at the doctor’s office. What gets them most upset is they’re captured on film with their kids. They don’t have a moment to themselves, not even after they move from the U.S. to the outskirts of London, England. Every time they walk past a newsstand they look the other way so they don’t have to read headlines about themselves in stories they didn’t sanction. Angie especially deplores the stories depicting her children as alien babies. Paparazzi invade their lives every waking, sometimes not waking, moment.

That’s the price of fame say the news organizations. Bullpoop, says Brad, and I’m going to come up with a way to stop it. Unbeknownst to the so-called ‘news’ media, Brad and Angie consult with the best legal minds and come up with a solution: trademark their faces.

A trademark is the copyright of an image related to the conduct of business, and since Brad and Angie’s faces are their business (worth millions), they’re well within their rights to trademark their mugs. They take a 360° view of their faces and deposit them with all the necessary paperwork at every major trademark registration office throughout the world.

They can’t wait for their first lawsuit to prove the concept. Soon, a tabloid prints the story, ‘Brad and Angie Have Alien Twins’. The photographer and Celebrity Ogler are served with an invitation to attend court in every country in which they publish.

The photog is a nobody with a camera. He’s paid up to a quarter of a million dollars for candid shots depicting Brad on the toilet or Angie in a dress shop changing room. He explains that Celebrity Ogler paid him to take these pictures on a spec basis. The more revealing and damaging the photo, the more they get paid, so anything goes, regardless of the rules of common courtesy or decency.

The publisher, Celebrity Ogler, claims that the two famous people made their millions by being in the public eye, and if it weren’t for news and tabloids, the couple would be living in anonymity. They benefited from free publicity for their rise to stardom and now it’s simply inconvenient to them. They also argue in most countries, it’s their constitutional right to publish news stories related to anyone, regardless of their position in society. What if they were guilty of murder, could we be prevented from displaying their pictures on newspapers?

Pratt and Groaner’s legal team argues that their trademark, central to their business of making films, has been used without their permission and that both the photographer and the publisher have profited using someone else’s copyrighted image. These magazines are not reporting ‘news’; they rely on sales of their tabloids based on the already established popularity of their subjects. Now that they have trademarked their faces, the defendants have profited off someone else’s popularity and their image.

The court rules in favor of the plaintiffs. They’re awarded damages and any further use of their trademarked images can only be done by permission. It will be a very long time before Pratt and Groaner give permission for strangers to take their picture. A new business for trade-marking faces is spawned.

Who owns the Arctic?

In the 1850’s a British expedition to find the Northwest Passage through the Arctic Ocean goes missing for over a hundred years. Fast forward one hundred and fifty years. Due to global warming the ice pack has melted and it is now possible to sail year round through the Arctic Ocean.

Oil is discovered outside the new economic exclusion zone and Canada protests the invasion of oil drilling wells from the U.S., taking the case to the World Trade Organization and the United Nations. Canada claims sovereignty of the Artic to the North Pole. The U.S. says, ‘See you in court. No one can own an international waterway.’

Who owns the Pacific Ocean?

In a mirror image incident in the Pacific Ocean in international waters off China, barges filled with earth drop millions of tons of rocks and slurry to create a small land mass. The Chinese fill enough of the ocean to create a tiny island in the Pacific large enough to plant their flag. They then declare an economic exclusion zone of two hundred miles in all directions and begin drilling for oil.

The American navy sails through the disputed waters. Certain of the rightness of their cause, China begins sending belligerent diplomatic notes of protest to the United States and the United Nations. The U.S. does not recognize their sovereignty in an international waterway by the artificial creation of a land mass. The Chinese are ready to start a war and take pot shots at the U.S. navy in what used to be international waters. Tensions come to a boil before the case can be heard in international courts. The Chinese threaten to begin a war with the U.S. over the issue.

The U.S. responds by entering trade agreements with India and setting up manufacturing facilities for a wide range of consumer items, directly competing with cheap Chinese labor. Twenty years after the shift to India, the U.S. and its allies block all further Chinese imports.

Who owns the sky?

Fred and Harriet are having dinner in their isolated country home. They’re having Fred’s favorite recipe – Mulligatawny soup. An object crashes through the roof and kills the couple outright. Upon investigation, the object belongs to Grooble, a technology firm developing driverless cars. One of their satellites, while repositioning itself to a new orbit, received an incorrect set of coordinates from the controller and crashed back to earth, landing on hapless Fred and Harriet, and the soup tureen. The pieces of wreckage found clearly indicate the ownership of the fallen satellite. Fred and Harriet’s heirs file suit.

The ownership of a piece of land includes the space above and below it, with no defined limit. If you wish to build above the land five hundred stories high there can be no legal objection to it. The plaintiffs argue that their property rights are infringed at any altitude and Grooble was encroaching on the couple’s right to ownership of their property, even though the satellite might have been hovering six thousand miles above them. Since the satellite owners accept the premise that the hardware might malfunction for any number of reasons and come crashing back to earth, they knowingly encroached on property they do not own.

The Grooble Corporation argues that international agreements have determined space (defined as 62.5 miles altitude) to be outside the purview of local property laws. The heirs of the property owners claim that once the satellite re-entered the atmosphere, it was no longer subject to the laws that govern space and are therefore seeking damages afforded them by local property rights, the same as they would if an airplane dropped on their house.

Looking back we find it hard to believe some of the cases that were heard to defend people’s rights and property. The Scopes trial of the Twenties comes to mind, which defended an educator’s right to discuss evolution. A divisive question for its time, a mere ninety years later, it’s almost irrelevant, replaced by the new issues that arise with the advent of technological discovery. The conflicts these new challenges create will burn brightly in their time, setting one against the other in tumult and violent upheaval until, just like all issues, the unveiling of new eras and new civilizations will make them pass into irrelevance. But is mankind now changing too quickly to adapt to new situations? For instance, will we pollute and kill all marine life in the oceans before we can develop legal frameworks to stop it? Will a country poison the atmosphere for the rest of the world? Will nations figure out a solution to global warming before it’s too late? Will DNA continue to be copyrighted preventing food from being grown by private citizens in times of starvation? Will space be cluttered with so much debris as to make it unusable? Legal disputes of the future are extremely difficult to predict but their outcomes greatly impact our societies.