Common Contract Rights and Causes of Action included in the ...

Here is a nonexclusive list of some common rights and causes of action included in the bankruptcy estate.

1. Contract rights: A bankruptcy debtor?s contract rights against a third party are included in the bankruptcy estate, even if those rights are contingent and transferable.

2. Causes of action and claims for relief: A bankruptcy debtor?s causes of action and claims for relief arising prepetition causes includible in the bankruptcy estate. This includes debtor?s personal injury claim, even if the claim is not assignable under state law. The debtor has no authority to settle and release a personal injury action postpetition. Only the bankruptcy trustee (or Debtor in Possession) has authority postpetition to do so. But, a personal injury claim, as well as amounts recovered under that claim, might be exempt under state law. Postpetition claims of this nature are not property of the bankruptcy estate. Emotional distress Claims constitute estate property even where estate law prohibits the creditors from reaching the claim. Moreover, a debtor?s claim for termination of employment due to discrimination is included in the estate. Also, legal malpractice claims arising prepetition, are considered bankruptcy estate property. Breach of fiduciary duty claims. If the bankruptcy trustee or the debtor in possession is not wiling to pursue such claims, the creditors may pursue the claim if authorized by the court. Alter Ego Claims. To determine whether a debtor?s cause of action on an alter ego theory should be included in the bankruptcy estate, depends on state law. California, for instance, recognizes two types of alter ego claims: (1) The Generalized Claim; and (2) The Particularized Claim.

A ?Generalized? alter ego claim occurs when the liability of the debtor is to each creditor of the corporation. These claims are property of the estate and only the bankruptcy trustee may assert them.

A ?Particularized? claim occurs when the claimant is harmed and no other claimant or creditor has an interest in the cause. Since a particularized claim belongs to an individual creditor it is not considered property of the bankruptcy estate and cannot be asserted by the bankruptcy trustee.

If you have any questions regarding Contract Rights and Causes of Action included in the Bankruptcy Estate or any other questions related to Bankruptcy please call Joseph S. Pearl at 661-281-0253.

DISCLAIMER: This article and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.

Joseph S. Pearl, LL.M. ? A Professional Law Corporation
1400 Chester Ave., Suite C
Bakersfield, CA 93301
661-281-0253

Joseph S. Pearl, LL.M. ? A Professional Law Corporation
1400 Chester Ave., Suite C
Bakersfield, CA 93301
661-281-0253

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Source: http://www.maxref.com/common-contract-rights-and-causes-of-action-included-in-the-bankruptcy-estate

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Unsecured Home Improved Loans-The easiest way to live in your ...

House is one of the most valuable possessions we have. Everyone has a dream to have a home of majestic construction and you are not an exception. You need lot of funds to construct your home in the way you want. But sometimes your financial condition does not permit you for this. You may search for loan but if you are not having enough assets to secure the loan amount the lenders feel it risky to lend you. Unsecured home improvement loans prove to be of immense help in such circumstances.? .

The entire range of unsecured home improvement loans is settled with several decent loan offers that are totally free from the elementary requirement of collateral submission, which in turn, makes this loan option completely risk free for the applicants. The loan amount advanced to the borrowers is usually fixed by the lender only after analyzing their repayment ability, annual income and credit report. On usual basis, any applicant can procure up to ?25000 under unsecured home improvement loans with a large repayment schedule of 10 to 15 years. And as soon as your home gets completely renovated, you can easily start with the procedure of repayment. Unlike other traditional loan services, these loans are also open to the bad credit holders; however they are subjected to certain limitations. However, if you wish to seek more information on these loans then try to contact good finance consultancies.

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When a borrower avails home improvement loans, he/she is required to pay interest only while the home improvement is in progress. The borrower then makes full monthly payments on the principle amount and interest, where monthly payments are calculated on the amount of money borrowed, interest rates and the loan term.

What can a home improvement loan be used for?

A borrower can avail a home improvement loan for various reasons including:

Home extension Double glazing Centralized air conditioning or heating Fitted bathrooms and kitchens Fireplaces Swimming pools Rewiring or plumbing

These unsecured home improvement loans can be easily utilized for a large number of reasons such as meeting the costs of renovations, home remodeling or any other type of construction. In order to fulfill such home improvement requirements, taking an unsecured loan can prove to be the intelligent and wise option. Other innovations and improvements that can be performed with the help of such an unsecured loan includes decorating home with essential accessories, drapery, bathroom changes, furniture redecoration and redesigning the living area or kitchen.

In the unsecured home improved loans, the respective borrower either willing or even unwillingly does not need to give any collateral for the loan amount. But, the most admired advantage of such loans is that as soon as the loan application is submitted, it gets processed immediately and loan seeker gets the approval within the span of 24 hours

have own websites borrowers can search on internet and extract information about us. Online method saves a lot of time and it is also very convenient in the sense that many formalities of loan can be done online. Submitting the application online results in faster processing and facilitates faster approval of the loan. Just to fill up it?s a simple application form and within few hours of his applying loan amount credited direct to his account in a very least time spam. For more information click on http://www.ukfinancialsltd.co.uk/

Source: http://www.idmigoyo.com/unsecured-home-improved-loans-the-easiest-way-to-live-in-your-dream-home.html

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Finance & Investment Tips : What Is the Current Mortgage Interest ...

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Source: http://studentloandebtsupport.com/finance-investment-tips-what-is-the-current-mortgage-interest-rate/?utm_source=rss&utm_medium=rss&utm_campaign=finance-investment-tips-what-is-the-current-mortgage-interest-rate

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Your Online Email Marketing Campaign is not Spam | gobi2010.org

Earlier this year, internet security provider Tumbleweed Communications issued a press release stating among other things, ?The spam problem will continue to grow and be increasingly profit-driven. Spammers will continue to exploit new ways to circumvent spam filters, such as using video and audio files to avoid detection.?

Spam has affected everything from mobile phones to web search engines but nothing compares to the damage it has done to online email marketing. It?s tough enough getting people to open your email considering they are bombarded constantly with some form of advertising online or off .But spam has created such a stigma, that many people view nearly any advertisement in their email box as spam.

You can?t blame them but you still have to do business online and marketing by email is a powerful tool that should be a major part of your internet business. Therefore you need to structure your email marketing campaign so as to avoid any accusations of spamming but still be able to advertise your product or service to potential customers. Here are some tips to help you accomplish this:

1. What?s it worth.

When you offer something of value in your email marketing campaign such as a well written article filled with useful content, the chances increase that people will check it out. Make references to your product without letting your email turn into one long sale letter. Focus on providing quality information.

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2. Watch your language.

We?ve all seen those ?do nothing and earn a million dollars? emails. If you ever want to trigger an anti spam filter, this is the way to do it. Stay away from using lingo that makes outrageous claims. Any over the top descriptions concerning a specific product or service will likely be considered brazen promotion. Even if it manages to survive the anti spam filter, email recipients will probably wind up deleting it anyway. No matter how good or excited you are about your product, your email marketing campaign must sound believable.

3. Know Your Audience

The best way to do this is to only send your email out to people you know would be interested. Even if you have been very careful to avoid blatant advertising and structured your email so it provides quality information, it can still irritate email recipients who have no use for your product. This is where a little research can help your email marketing strategy. If you can personalize your email so it reflects common interest between you and your audience so much the better.

4. Quiet Please

By this I mean don?t place your website link in every paragraph. This practice can strike email recipients as a ?hard sell? which is just another phrase for blatant advertising. Focus on keeping your web links to the least amount possible. Integrate them smoothly into your copy. Make it so that it entices people to learn more about your offer. ?To get more information check out (your) web link? is a lot better than ?Buy the product now by clicking this link.?

Spam is not going away anytime soon therefore you must take it into consideration when doing business online. But this doesn?t mean you should let it stop you from implementing an email marketing system. Just provide quality information in a believable manner that gets your target market curious to learn more. When you do this, people won?t mind spending time checking out what you have to say.

Daryl Campbell invites you to get more free tips, video, step by step coaching and up to the minute information to grow your successful online business at Internet Marketing Guide

Article from articlesbase.com

Source: http://gobi2010.org/your-online-email-marketing-campaign-is-not-spam.html

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4 Essential Steps To Writing a Great Cover Letter - CBS ...

Do you agonize over your resume, formatting and editing it just so, but leave your cover letter to the last minute? Dashing off a quick email and pressing ?send? should be done for confirming Friday night drink plans ? not for landing your dream job. ?Cover letters are interesting in that so many people dismiss them as not important. They are an important sales tool,? says Dale Mayer, author of Career Essentials: The Cover Letter. Here are her 4 no-fail steps to a ?must-hire? cover letter:

1. Make It A Priority
Take the time to think about your message, craft it and refine it, just like you do with your resume or any other business document. ?The purpose of a cover letter is to make your job application rise above the competition,? says Mayer. ?If you send a badly written letter, you will actually hurt your chances of being shortlisted.?

2. Say Something New
Two big mistakes are simply repeating the information from your resume or using one cover letter for many job leads. Instead, Mayer says to ?show hiring managers you solve a problem for them by taking your accomplishments listed in the resume and applying it to their needs.? Spell out for them why they can?t afford to not hire you.

3. Know Your Industry Norms
Speak to mentors, peers, or others in your network who have done hiring in your industry. How long should your cover letter be? How should it be sent? As an attachment? In the text of an email? Snail mail? Whatever works for you and your particular position, know that simply sending a resume with a blank email is never a good strategy. ?The layout and delivery of a digital age cover letter may have changed ? the message and purpose has not,? says Mayer.

4. Read It Over ? Twice
The worst feeling in the world is seeing a typo in an otherwise outstanding cover letter just after you hit ?send.? Prevent that by re-reading it a few times. ?Like writing your resume, take the time to write a first draft and let it sit. Then go back, read it out loud and check that it?s as perfect as can be before you send it,? says Mayer.

What are your tips to crafting a compelling cover letter? Please sign in below and share them.

Photo Courtesy Wikimedia Commons

More on MoneyWatch:

Source: http://moneywatch.bnet.com/career-advice/blog/on-job/4-essential-steps-to-writing-a-great-cover-letter/1521/

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Home & Family ? Blog Archive ? Popular Choices For An Adult ...

Costumes aren?t strictly for Halloween but it goes without saying Halloween is one of the times when costumes are most in demand. It is not only kids who get pleasure from wearing a costume for every little thing but also adults too. To be sure, why can?t adults indulge their fantasies at least once a year ? An adult costume typically costs a bit more than your usual kids costume given that there?s added material used to create the outfit. There are such a lot of different adult costumes available that rival childrens costumes in design, detail and quality that you might wonder what to go for. Well, this article provide you with a few ideas so that you make a big splash at your next Halloween bash or any fancy dress party for that matter.

Superhero Costumes

You can get so many different types of adult costume choices if you?re looking for a superhero costume. Virtually all superheroes have copy costumes for all ages. You?ll find names like Superman, Batman, Iron Man, Wonder Woman, Green Arrow, Wolverine and many others. More come out every year as new heroes acquire the big budget, Hollywood style movie make-over. The best part of an adult costume is that these usually are well made, concerning detail and quality. Other trendy superhero costumes are those of Robin (from Batman and Robin), Aquaman, other members from the X Men, including Cyclops and Storm.

One extremely popular adult costume for a superhero alter ego is that of Clark Kent. This is without doubt one of the more simple kinds of costumes and also relatively easy to identify. All you will need are the big spectacles, slicked back hair as well as brown tweed suit. Maybe you could wear the Superman suit underneath and transform when emergencies come to pass ? like the bash runs out of beer or such like.

Monster Costumes

These sorts of adult costume alternatives can be popular for Halloween. These extend from vampires, Frankenstein, zombies, ghouls, witches, werewolves and many others. There are numerous ready made adult costumes of monsters but at the same time, these outfits may be made by the individual using simple shirts and pants. What is critical to make the monster costume realistic and terrifying is the make up.

Other choices are legendary creatures along the lines of the fairy costume, a two person unicorn, an ogre, a troll, elves, witches along with wizards. They are trendy even with kids and many like these for Halloween as well as a dressing up party at some other time of the year.

Characters From Movies and Books

Other alternatives for an adult costume are characters from novels, motion pictures and TV shows. Star Wars costumes may be popular and loads of adult costumes are kept as memorabilia especially that of Darth Vader and Storm Troopers. Other good options for character costumes for adults are Jedi Knights, Alice in Wonderland and other cartoon characters.

The selection of costume is really up to the person who is going to wear it. His or her preferences are always the deciding factor. Decide on a outfit that you like and even know the character so that you can act the part at the party. Then again the choice may also depend upon what the occasion may be.

What are you are going to wear this Halloween ? How about a roman soldier costume ? Check out a full range of costumes, including gladiator costumes.

Tags: Costume Ideas For Halloween, costumes, Dress up, Fancy dress, halloween, Holidays, Parties, recreation

This entry was posted on Saturday, August 27th, 2011 at 18:17 and is filed under Holidays. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://home.blogmeout.net/2011/08/popular-choices-for-an-adult-costume-for-the-halloween-party/

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