Take a right decision at the right time by meeting Bankruptcy lawyers at Vanhemelrijck Law Offices

In today’s picture, it is so effortless to get trapped in debt and bills that prolong to get out of hand. This can happen unplanned for a single individual, a family or even businesses that are getting affected with a wide variety of reasons. And no one can resist such extending financial burdens unless a miracle happens. There arises the situation Bankruptcy 7. Bankruptcy is a legal status of an individual who lost the capability to reimburse the debts to creditors. In most jurisdictions, bankruptcy is obligatory by a court order, but often started by the debtor.

Duties of bankruptcy Lawyers:

  • To chair meetings with creditors
  • To distribute funds to creditors
  • To propose for bankrupt’s discharge
  • To review the file for any fraudulent preferences or reviewable transactions
  • To sell any non-exempt assets


Generally, six types of bankruptcy are classified under the Bankruptcy Code, located at Title 11 of the United States Code. The following are the gists of all types.

  • Chapter 7*: It is the simplest and quickest form of bankruptcy. This is the kind of basic liquidation for individuals and businesses and also regarded as straight bankruptcy.
  • Chapter 9: Regarded as Municipal bankruptcy, a federal mechanism for the resolution of municipal debts.
  • Chapter 11: Known as corporate bankruptcy in which a reorganization used mainly by business debtors, but sometimes by individuals with substantial debts and assets, it is a form of corporate financial reorganization which typically allows companies to continue to function while they follow debt repayment plans
  • Chapter 12: This is for family farmers and fishermen.
  • Chapter 13: Rehabilitation with a payment plan for individuals with a regular source of income; enables individuals with regular income to develop a plan to repay all or part of their debts; also known as Wage Earner Bankruptcy
  • Chapter 15: Ancillary and other international cases and also provides a mechanism for dealing with bankruptcy debtors and helps foreign debtors to clear debts.


*Chapter 7 Bankruptcy:

​            It is also known as the Liquidation Bankruptcy. The assets of the bankruptcy client will be taken over by a court trustee and cashes them out to make a payment to creditors. The few assets which the client wants to keep away from the case can be stayed away as per the person’s choice. And one should be sure enough to make the payment.

It is called a no asset case, if there are no assets to pay back to the creditors from the bankrupt person. Protection Act of 2005 is essential for the person to file bankruptcy and to take a means test. This test will determine whether the individual consumer debtors qualify for relief under chapter 7 or not. If the income level is in excess of the threshold allowed they might not be able to qualify for the chapter 7. They may have to settle for a chapter 13 bankruptcy.



In total there are six types of bankruptcy in the United States. San Antonio lawyer of bankruptcy can help you to understand the difference between them and will assist you in selecting the best for your case. You can contact our San Antonio bankruptcy lawyer to help you answer your queries. By consulting the bankruptcy lawyer, you get an idea what to expect once you begin filing for bankruptcy.


The six types of bankruptcy are:

  • Chapter 7 or Liquidation
  • Chapter 9 or Municipal Bankruptcy
  • Chapter 11 or Business Corporations
  • Chapter 12 or Peasants and Fisherman
  • Chapter 13 or Debt Rehabilitation


                Chapter 7 bankruptcy is the most common out of all the types of bankruptcy. Basically, the process of liquidation is involved in the chapter 7 bankruptcy. In the process of liquidation, either it is compulsory or voluntary to dissolve the assets of a company or a person. A fiduciary is there to supervise the liquidation process when a business organization files for chapter 7 bankruptcy. Whereas you are allowed to retain a particular amount of money from liquidation process when you file chapter 7 bankruptcy as an individual. Child support and student loans are the types of debts that are not considered eligible for allowable exemptions regarding San Antonio bankruptcy lawyer.

Municipal Bankruptcy:

If municipalities want to file for bankruptcy then chapter 9 bankruptcy is the best option available to them. Even when we look at the past we come to know that if certain municipalities were not able to pay their loans then particular measures were taken to pull them out of the heaps of debt they were in. One certain measure was to raise taxes in order to benefit the municipality. Chapter 9 bankruptcy was introduced during the times of the ‘Great Depression’ when even by raising taxes it did not help much to improve the municipality conditions.

Business Corporations:

                Both businesses and individuals can use this type of bankruptcy. But most of the time large business corporations use this. In this type of bankruptcy, the mortgagor has control over most of his assets. No trustee is put in charge to look at the matters, the mortgagor has control over his assets under the surveillance of the court. The basic function of chapter 11 bankruptcy is to reorganize a particular business with the help of reconstructing measures. However, some factions of the business ownership and revenue rights can be given to the mortgagees.

Peasants and Fisherman:

                The chapter 12 bankruptcy is entirely related to fishermen and farmers. In the beginning, there were not many services available to these professionals. Several changes and modifications were made on numerous occasions but finally, a permanent chapter was introduced a few years ago.

Debt Rehabilitation:

                We know that chapter 7 bankruptcy governs under the liquidation process in which debts and assets are immediately released. On the other hand chapter 13 bankruptcy involves debt rehabilitation. It is almost similar to chapter 11 bankruptcy where reorganization business and reconstruction of assets is done. Chapter 13 does not work for everyone. In this type of bankruptcy, the mortgagor creates a payment plan to pay off all the mortgagees in 3-5 years’ time.


How Much Would A Tow Truck San Antonio Charge

The cost to a service is often a very complicated affair.  It has to take into consideration the most delicate aspects that affect a business.  More importantly, the cost must be within the band that can be afforded by the target consumer at the best of times.  That the services on offer by the tow truck San Antonio needs to be cost effective to the customer go without saying and more importantly, the facility must be remunerative to those who run the business.

Keeping the cost under control at the tow truck San Antonio

The very existence of a business or enterprise is to generate a surplus income to the owner.  While every company would have the legitimate costs incurred in running the operations, the expenses must be kept on a tight leash to ensure the maximum profits at the end of the accounting period.

Some businesses are seasonal in nature.  That is their primary income flow occurs at relatively small periods of time and not throughout the year as such.  The key to success in such fields is to ensure that the expenses are well managed during the lean seasons.

Most businesses like the trucking industry do need to meet stringent regulatory norms, and there is bound to be the costs associated with this aspect.  The regulations come into play when the business is set up the first time and later on as recurring costs to the operator.  It would be more prudent to manage these costs than to try to circumvent them.

The importance of handling employee costs

Most of the conventional tow truck operations are more of a single man effort where the owner of the truck is the person who gets to drive the truck as well.  But there are instances when the business is too large to be managed by the single person’s effort, and this is when the employees come into the picture.  While the focus of every business owner must be to keep the expenses in check, it must not come at the cost of employee satisfaction.

A dissatisfied worker not just puts in a weak effort but affects the very image of the firm that he works for.  Thus it is the prudent employer that would balance out what he lets his workers have as pay to the way the worker brings in the revenue to the business.

One of the most telling aspects of the tow truck industry is that it has some of the harshest working conditions around.  Most driver operators are on the road for the most of the day and often without regular lunch times and the likes.  It is the compensation that comes in at the end of the month that keeps these folks interested in the job.


While every effort must be taken to keep the cost of running a business down, it must not come at the cost of employee satisfaction.  It is the customer focus that drives the very tow truck San Antonio services that the operators can provide.

Tips to be aware of the choice of a top-notch maid service company

After an entire day of hard work, playing with children cleaning has to the last thing as the last resort. Even if you plan to undertake the cleaning task you might not even have the energy to lift a broom. Yes, you might be aware of how difficult the task of mopping would be once you are about to provide a popping out. Though to avail the services of https://www.lovemymaids.com/could be a better option, but to allow a stranger to your home would be a nightmare. No specific reason exists for you to be feeling sad as you have to be cautious when you go on to avail a maid service company.

Now the next question would be on how you can locate a top-notch maid service company. There are a series of tips that would make this task a lot easier and specific.

Check out with people

Just figure out who are the people in your family that whom you can trust. In the search of a reputable maid cleaning company, their advice would be of utmost importance. A notable form of advertisement would be word of mouth, and this would be the case. You can ask them the reasons why they like and even not like the services. This would go a long way in helping you to choose the service as per your desires.

A background check along with references

Be it hiring a maid from a company or on an individual basis you have to undertake a proper search. The need of the hour would be to check out for references and history. There should not be any form of hesitation as you can ask the maid upfront. You need to check out with their previous employee more about their work ethic.

Rely on your feeling

When you are hiring a maid it would be not about anything else but to trust your instincts. If you are comfortable a sensible option would be to schedule an appointment when they are home and become aware of the maid in details. Even when you meet a person for a few minutes you can know a lot about them. If no relation exists then it would be high time that you need to move over to another person.

Do check twice

This would be an alarming situation where you may have to inspect the house of someone once they have gone on to clean their house. Yes, you can go on to do this if you feel that the maid would be comfortable. An important point to consider would be how the maid did go on to undertake the job. In case if things did not go as per plan there are a couple of options that you can exercise. First would be to stop using their services and secondly you can complain to them. This would force them to improve in the days to come.

Best 24 Hour Tow Truck Services in San Antonio

Tow truck services are most rarely seen in different place. These are used to move cars and other vehicles from one place to another. The breaks down cars, punctured cars, and improper parking vehicles are shifted using the tow trucks. There are several factors you need to check while hiring Best 24 Hour Tow Truck in San Antonio. These services have best benefits that provide services in most required situations.

The security of car is most important factor you need to check before hiring the tow truck services. The professional drivers, skilled workers, service quality, and other factors also important while hiring their services. Here are wide explanations about these services you need to know.

·        Quality services:

The top quality services from Best 24 Hour Tow Truck in San Antonio will have several benefits. These people are offering services from several years and have experience to offer high quality services. They know each and every step in dealing with cars and other vehicles. Hence they will provide you high and efficient services at required places.

·        Professional drivers:

The most important thing a tow truck company requires is professional drivers. Car pulling and lifting works should be taken with good care by these drivers. A single mistake may lead to heavy damages of car body. Hence professional driver will work best in these situations by helping you not cause any damages. Hence hiring their services will help you to get safety and security to your car.

·        Skilled Workers:

The workers also play crucial role in pulling the cars into tow truck. They first lift the cars with the chains included and then the driver will take care on pulling cars into tow truck. The workers also has years of experience in dealing with cars at any situation. Hence the Best 24 Hour Tow Truck in San Antonio removes all your car struck problems.

How to hire Best 24 Hour Tow Truck in San Antonio:

There are several ways you can hire their services. Internet search is the best way to hire their services. Some companies have own websites by which you can hire them. These companies offer round the clock service that you can call them anytime during mid nights also. They are always available to offer you services at anytime anyplace.

Hiring tow truck services by the recommendations of friends and relatives also another option to get their services. They will suggest you best quality services with effective measures and hence you can take their recommendations to hire Best 24 Hour Tow Truck in San Antonio.

The price factor also should consider while hiring the tow truck services. Only some companies offer best service at high prices. Hiring them will not only give you professional services but also at affordable prices. Hence these are the things you need to know about Best 24 Hour Tow Truck in San Antonio.

Autobody Repair Shop

San Antonio Autobody Repair Shop in Texas – Economical and Efficient Services

All forms of physical damages caused to your car can be effectively treated and eliminated at the San Antonio Autobody Repair Shop in Texas. All forms the repairs related to the body are dealt with the most advanced set of equipment and tools. The frame equipment is one such device which can be used to restore the damaged frames to their original conditions. The main feature of the device is its ability to incorporate the tolerance levels as designed by the frame manufacturer. Once replaced, they look perfect to astonish your senses. There are many such advanced tools for internal body welding, advanced dent removal, aesthetic paint repair and bumper and body collision damage removal.

San Antonio Autobody Repair Shop in Texas – Perfection in Completion

The company has a policy of providing technical competence in all its aspects of services. One such aspect is in the collision repair. As you know, the volume of damages that occur in collision can be enormous. The complete body of the car gets bent beyond recognition. Restoration of the body structure back to its original position takes a lot of patience and persistence on part of the technicians. The process starts with the complete diagnosis of the car body. Then the technicians identify the repair procedures to be adopted. Once this is done, the rest of procedures become simple.

  • Dent Repair: – Dent is one of the most commonly occurring damages during collision. It can happen from the car bumper till the bonnet cover. The technicians at San Antonio Autobody Repair Shop in Texas use the latest technology based equipment and tools to remove the dents and restore the surface condition back to its originality. This is a time consuming process which they do to precision. By the completion of the procedures, your car’s external body is completely repaired and restored.
  • Part Replacement: – Replacing the damaged original parts can be a big challenge, especially when your car is a branded one. You might have experienced the pain of waiting for days to get the part since it was not available in stock of your previous auto repair company. When you step into San Antonio Autobody Repair Shop in Texas, you don’t have to wait any longer. The company has a huge inventory of all the branded parts that it uses to replace the damaged parts. All your needs are fulfilled within the shortest span of time.
  • Paint Repair: – The original painting on your car is something unique to its design. When your car suffers collision damages, the external surface of the paint gets peeled off. This has to be replaced with the same color and shade of the original paint. The experts at the body shop have the experience of identifying the unique color and shade combination of all types. In fact their catalog contains all the data, which they match with their inventory of paints. Your car’s paint will be restored to its originality with zero tolerance for errors and mismatches.
Advantages Of In-Home Senior Care

What Are The Advantages Of In-Home Senior Care?

Someday in the life of an older loved one, he/she might require in-home care. An older person may be getting better from an injury or an illness or may develop dementia that inhibits him/her from independently living. At senior care Columbia sc, you can find the best health care providers. Permitting an elderly individual to get help while remaining at home provides a lot of advantages.


The primary advantage of in-home care is that the nearest and dearest is capable of staying in the place that’s familiar and most comfortable to them. They can slumber in their own bed, utilize their own restroom, and keep on with their everyday routines. Being in known surroundings can be particularly advantageous for the ones suffering from progressive states that affect memory like dementia.

Provides One-On-One Care:

Home care makes sure that your loved one gets the undivided attention of the caregiver. Irrespective of the time of night or day, caregivers give their time to the loved one. A caregiver who splurges a long, quality time with your older family member becomes familiar with that individual’s requirements. He/she is also more likely to see changes when they happen and change care plans when needed.

Provides Peace Of Mind:

The services offered by home care providers are also advantageous for family caregivers, who can relax assured that their nearest and dearest is in good hands. Because family caregivers frequently assist with the employing of home caregivers, they are completely aware of the essential credentials, skills, and qualifications.

Saves Money:

Employing a home caregiver for numerous hours a week is much more reasonable than sending your nearest and dearest one to a retirement home. Even for older with more extensive requirements, home care is frequently a cost-effective option for living assisted facilities.


Lack of independence is a huge concern for older who is contemplating care alternatives. A huge benefit of in-home care is that your nearest and dearest one is capable of keeping control over numerous aspects of their everyday life. They get to carry on living by their own timetable, selecting when they desire to eat, socialize and sleep. For older who can no longer drive, an in-home care provider can assist them to attend social activities and run tasks supporting their capability of living independently.

Family Involvement:

In-home care allows the family to be a larger part of your nearest and dearest ones care plan. With a good in-home care service provider such as senior care Columbia sc, you’ll have a direct line of contact with your loved one’s home care provider and a care manager will offer you with regular updates regarding care.

Decreases Stress Levels:

As aging adults start to require help, it can append stress to your family dynamics. Older dread loss of independence and might try to conceal their limitations, and the members of the family frequently argue over the best method to give care. When families employ an expert home caregiver, it can put a stop to such tensions.


Older who lives alone frequently experience feelings of loneliness and social isolation which can direct to a decline in their health. Home care offers the loved one with a known face, a significant human connection, and friendly conversation, all of which can have a huge impact on overall well-being and health.

How to Select a Commercial Real Estate Company

Selecting a commercial real estate company can be a challenging process. You want to hire someone who is knowledgeable, skilled, experienced and can match your goals and ideals. This is easier said than done. One company may offer you some of these features while others have the remaining characteristics you desire. There is no lack of the number of commercial real estate companies out there, which claim to possess peerless knowledge and skill. So, how do you go about selecting a commercial real estate company?

The secret lies in finding a real estate company that suits your needs and criteria. Yes, there are some overlaying concerns that also need to be considered like appropriate documentation. However, when you are looking for one of the best real estate companies for your needs, you need to do more than just scratch the surface. Here are some tips outlined below that can be useful in helping you during this process.

Let’s take a look at them:

Look at their experience

Commercial real estate is a blanket term and this business can be multi-faceted and highly nuanced. Therefore, you cannot just hire any real estate company for your needs. You have to start looking for one that suits your criteria. For instance, if you are interested in buying or selling properties in strip malls or shopping districts, you shouldn’t hire a company that deals in offices and residential homes. You want someone with a background in the kind of real estate you are focused on or else the company will be of little use because they will be out of their depth.

Assess their reputation

One of the best ways of spotting the best companies is by taking a look at their reputation. How can you do that? There are certifications, customer reviews as well as awards that are readily available due to the magic of the internet and the culture of open communication. If you find a commercial real estate company that seems appealing, you can do some research and discover if they do stack up. This step can be immensely helpful in allowing you to dodge a bullet.

Go over client’s opinions

The greatest problem with reviews is that they are mostly from satisfied customers. Unhappy customers either don’t post or their reviews are removed. Therefore, it is recommended that you ask the commercial company to provide you with a list of their past clients. This allows you to do some homework of your own and identify any weaknesses or problems that a previous client encountered.

Meet the representative

Last, but very important; don’t hire a company over the internet. Always meet their representative in person and see if they understand your needs. Open communication is vital in this business and if you are not comfortable with them, there is no point in starting a relationship.

Use these pointers to pick out one of the companies for your realty requirements.

Looking for a reliable company or realtor? Check out this Exsell Experts.


Be aware of the various types of stylish bags

Women are fashion savvy and they like to be flashy and trendy at all times. They do not miss out on an opportunity to look cool or beautiful at all times. They would love to do a lot of shopping as far as accessories in the form of style bags, ornaments or scarves evolve. After the clothes along with  stylish handbags hog the limelight. There are no second thoughts to the fact that it has gone on to become a fashion accessory for women. Let us be aware of the various types of stylish bags  or ถุงซิปล็อค and their benefits at the same time.

The specialty along with the importance of stylish bags In the market, you might come across a various version of stylish bags like clutches, tote bags, barrel bags and much more in the market. Most of them are put to a design by elite brands and famous designers are responsible for the makeover of it. For their production, you rely on the use of good quality materials. This means that for long use and in terms of good quality you are full proof. In the modern day market, the leather bags are in full proof use. The various types of bags which showcase their importance are as follows

Satchel bags

They prove to be high-end sturdy handbags whereby a flap you cover the main pocket. The bottom appears to be large which works out to be flat. For carrying heavy items like laptops you can put this bag to use. For official purposes, women love to carry this bag and among working women, it arises to be a top draw.

Clutch bag

A smaller type of bag by which you carry makeup or small items. Your mobile phones or other items are part of such bags. Such a type of bag looks flashy and trendy. Women do like to flaunt it for various occasions and all the better if it could match the color of their dress.

Tote bags

In comparison to the regular bags, the tote bags tend to be smaller in size. A rectangular or square shape you are likely to come across this bag. Since you can carry large items for shopping it works out to be the best. For shopping purposes, women would love to carry it.

Hobo bags

Being a one opening bag this bag has a lot of options. For a lot of women, it would be a personal choice. Women can carry their everyday items like cell phones, walls or accessories by purchasing such bags.

Apart from such bags, there are other bags also which do showcase a lot of importance. The main objective would be to showcase the personality of a woman in a proper manner. Most of the leather bags in the market you can come across in various shapes along with sizes.

For stylish bags, you can go on to carry items that you might need the most. They are trendy and fashionable.

Home security alarm monitoring service

Reasons on why you need a home security system at your premises

Already you might be having a home security alarm monitoring service, but now you might be thinking on the lines of a home security system. They act as a form of defense. This does provide the authorities with a degree of control in the event of any form of a robbery occurring. The protection of the home does not seem to be the only reason why you need to install a home security camera. It could be a convenient option and have a degree of control over the kids.

Let us now understand the main reasons why you need a home security system camera.

The main reason for the installation of a home security camera would be protection from the burglars. This gives you a clear and concise view of the property; the burglars normally tend to keep away from such property in most cases. Simply their presence could go on to force the burglars in making a rethink. Even if it cannot detect a burglar still it provides to be a useful device. You can transfer the video to a monitor where you can view and record. This does work out to be useful when someone tries to make a forceful entry into your home. The video camera and the recording portion would be a useful device for the police to catch the thieves.

If you have a day-care provider at your home you might even think of installing a home security camera. This helps to supervise the employee along with the interactions with your child. In most cases, you need to inform the employee that there would be a camera on the premises. This would force them to take actions that would not cause any harm to your little one. They are going to record all the interactions with the child and illustrate the behavioural patterns for the parents. This would be when you are not in the home. In case if you have older children you do not need a service provider it allows parents to check in about the kids when they are not at home.

Another major reason to install a camera has to be convenience. When your doorbell rings it would help you to figure out on who happens to be a door. This saves a lot of time as you do not want to answer to a solicitor. It works pretty much on the lines of a caller ID where you can figure out on who happens to at the door without even the need to open it.

To conclude as part of the security system of your home, the home security camera does seem to be an important device. It could serve you with a lot of benefits. In case if someone happens to be at the door you can answer them without even opening the door. In addition, it helps you to keep a tab on your kids when you are not at home.