#might have been a direct consequence of that situation being mishandled

[thebritishrevivalparty]

Britain - The Lost Decade

Increasing child poverty. An NHS in decline. Austerity. Lost productivity. Rising economic inequality. £29 billion of business investment gone. £500 billion snatched from public spending. A laughingstock. This is what the UK has been turned into over the last decade – a laughingstock.

Context

In recent history, the UK has witnessed a myriad of economic shifts, from the era of decolonisation to the abandonment of industry and transition towards the financial sector. It has also experienced its fair share of economic shocks, ranging from the fall of the pound to the Winter of Discontent and the 2008 financial crisis. Despite bouncing back from various hardships, there's one exception – the 2008 Great Recession. While certain indicators might suggest a recovery, with GDP now 11% greater than pre-recession levels and lowered unemployment, these apparent gains are overshadowed by stagnant productivity growth. The once-vibrant trend of high productivity growth in the UK prior to 2008 has derailed, and real wage growth has plummeted by 2.7% in comparison to 2008.

Britain has also borne the costs of Brexit, which have led to diminished investment in British businesses and adverse trade effects, thereby reducing UK exports. Brexit has transformed the UK into a more isolated and economically strained nation. Additionally, the pandemic's shockwaves and the ongoing conflict in Ukraine have further rattled the global economy.

It's abundantly clear that, after this past decade, Britain finds itself in a worse state than comparable developed economies. The pressing question emerges – to what extent is the government culpable for this decline, and how much is attributable to the natural economic situation?

The Government

The response of the 2010 government to the Great Recession was characterised by the adoption of austerity measures, presented as a necessary strategy to restore economic stability and address the budget deficit. Yet, as time unfolded, it became increasingly evident that these measures disproportionately impacted the most vulnerable segments of society while also impeding long-term growth prospects. Austerity, as a policy, manifested through substantial cuts to public spending across diverse sectors, including healthcare, education, and social services. These reductions translated into reduced access to vital services for numerous citizens, contributing to the degradation of the NHS and the surge in child poverty. The government's emphasis on deficit reduction over the well-being of the populace laid bare a conspicuous disregard for citizens' needs, ultimately amplifying inequalities and social schisms.

One of the most glaring repercussions of the government's approach was its effect on productivity. The "productivity puzzle," as it came to be known, materialised as productivity growth stagnated in the aftermath of the recession, contrasting starkly with the pre-2008 trajectory. This downturn underscored the ineffectiveness of governmental policies in fostering investment in innovation, skills development, and technological advancement. While other nations made strides in these areas, the UK found itself lagging behind, resulting in missed prospects for economic progress and prosperity.

Business investment, a pivotal driver of economic growth, also suffered considerable setbacks. The decision to depart from the European Union, driven by Brexit, reverberated across the business landscape. Ambiguity surrounding trade accords, market access, and regulatory frameworks dissuaded potential investors. Consequently, the UK witnessed a marked decline in foreign direct investment, and domestic enterprises displayed reluctance to invest in expansion and innovation. The government's mishandling of the Brexit process, coupled with its inability to articulate a coherent vision for future trade relations, further exacerbated this.

Conclusion

The preceding decade is characterised by an incontrovertible trend of dwindling economic prospects for the UK. The government's misguided policies, which prioritised austerity over social welfare and growth-oriented strategies, have been pivotal in instigating this downturn. The myopic fixation on deficit reduction has come at the expense of societal well-being, evident in the escalating inequality and faltering public services.

Moreover, the government's incapacity to adeptly navigate Brexit and its subsequent economic aftermath has laid bare a deficiency in preparedness and strategic thinking. Instead of cultivating an environment conducive to business expansion and innovation, the government's actions have discouraged investment, rendering the UK vulnerable on the global stage. In conclusion, the UK's present standing as a "laughingstock" among comparable developed economies stems from the government's mismanagement of the economy, its failure to address critical issues like the productivity puzzle, and its mishandling of business investment and Brexit. These factors have collectively contributed to the nation's decline. Urgent action is imperative, including endorsing a party that prioritises sustainable growth, social equity, and strategic economic planning, to chart a course towards a more promising and prosperous future. The BRP is that party.

#BRP #UK #britain #united kingdom #economy

[oregon-barbi13]

Why do you hate me?

This is actually a pretty serious question. I want to explore this feeling.

Recently I was confronted, unnecessarily, by someone whom I hold in VERY high regard. This person assumed that I was "throwing a fit" when in fact all that happened was a lot of confusion on my part. I was in the middle of working on a main water line, while trying to juggle questions and fielding answers, all while trying to keep a professional composure at my place of business. I accidentally backed out of a group chat after being told that a phone had been changed. I see where this might look like I was "throwing a fit", but in all reality I wasn't. I was overwhelmed.

Instead of handling this situation in a mature manner because we're both adults, it was mishandled and now I am the one left to suffer the consequences.

How it was handled: This person proceed to PM me about how it's not in their priority list to make sure I am aware of a phone number change. And how if I want to play games they could play them. All while I was trying my very best to reassure this person that I was in fact ok. They felt the need to press the issue and make it worse. They withheld answers to questions. (which I don't need to remind anyone that that is a form of abuse and manipulation) they both have refused to talk to me, until I apologized. (what exactly did I have to apologize for?) I NEVER once uttered the words "I'm sorry for my behavior" because my behavior is a direct result in the manipulation that was happening.

I exploded all over my mom. All of it! It was out of my mouth before medication could kick in. And here I am. Left to pick up the pieces. On my own. (which for my family is typical*I will do a story time*)

[cottoncrowd39]

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#Car breakdown

[incorrect-ikevamp-quotes]

NEVER WAS THERE A TALE OF MORE WOE, THAN THAT OF OUR JEANNE AND FANGDADDIO 😭😭😭

But alas, I will relay what I read back in the day to the best of my abilities! Spoilers for the end of Jeanne’s route under the cut, rated E (for everyone) for maximum uwus (and M for angst bc F U C K):

Okay so basically Jeanne’s route goes a lot like most of the routes, and when MC gets attacked (by the rival vampire turned by Vlad) our eyepatched wonder is not happy about it. He storms over to Comte’s room and demands to have his questions answered. Comte notes how deathly serious he is and breezes past the enmity, telling him to go ahead and ask whatever he needs to. Jeanne threatens to kill Comte if it turns out that he’s lying about anything from this point forward. To which Comte (being a little shit), replies that he literally can’t die so like ¯\_(ツ)_/¯. Jeanne tells him he doesn’t care what it takes; he’ll rend him apart to the tiniest shred over and over and over again--even if it takes them both to the other side to accomplish it. Comte concedes and says “very well; if I lie, you’re welcome to try.” Jeanne finally asks if Comte has made a revival pact with anyone new. Comte is genuinely confused and confesses that he hasn’t--that he has no idea who Jeanne is talking about. “What ‘comrade in arms’???” Jeanne seems to sense that Comte is responding in earnest (but is also confused bc like, then who the fuck else turned the guy??? WHO IS THE THREAT I MUST STAB)

Jeanne admits that MC was attacked and you can feel the change in gravity in milliseconds. Comte starts asking where she is and if she’s okay, and Jeanne explains that she’s still in the mansion and she’s fine. Jeanne then asks if Shakespeare has the ability to turn people like he does, and Comte is bewildered to put it mildly. He’s like ??????? Where is this coming from, of course he doesn’t???? I turned him myself, he’s a lesser vampire--he doesn’t have that ability???? In a moment of sheer livid impatience, Jeanne grabs Comte by the lapels and screams “Then who can!?!?!?!” Comte stares at him and admits that there are only two people that he is aware of who can accomplish such a thing, himself and someone else. They hear a loud crash and they run to the dining room, only to find a window smashed, Mozart wounded, and MC gone. Comte’s furious sprite appears, and he asks Jeanne to look after MC, he has something to take care of. Isaac asks him where on earth he’s going, and he reveals that he’s going to Will’s house before storming out.

Poor Shakespeare faces the brunt of Comte’s rage--though I get the feeling, knowing now that Shakespeare is Vlad’s puppet--that the threat was meant more for Vlad than for Shakey boy. Comte goes to Shakey’s place and Shakespeare offers to put on tea or wine, says it’s strange for him to appear so late. Comte tells him not to bother, since he isn’t here to exchange pleasantries. Shakespeare seems p shocked given Comte isn’t usually one to be so direct or terse, and when Comte walks in he backs Shakespeare into the wall step. By step. By step. He asks him if he was involved in the harm done to MC, and Shakespeare’s like “Yeah lol what’s it to you.” And when their shoes are nearly touching, Comte grabs him by the throat and lifts him off the ground. He tells Shakespeare that if this goes on, he won’t show any mercy: "To those that would harm a single member of my house, I will hunt them to the ends of the earth. To the very depths of hell." The narration notes that he lets go of whatever dampens his pureblood aura and nearly suffocates Shakespeare with his raw intensity and power, before putting him down again and saying “That’s all I have to say. I have no more questions for you.” Comte walks right back out, slamming the door while Shakespeare is on the floor coughing. 

So, needless to say, things are hella rocky between Comte and Jeanne throughout the better part of the route. But given the odd dichotomy of Comte’s reactions (his complete acceptance of Jeanne’s fury versus his own anger being directed at Vlad), it definitely felt like there was more there. Everything finally comes full circle at the end when Comte gathers everyone inside the dining room to explain precisely what happened (Vlad, etc. I’m assuming) and asks everyone to take proper precautions moving forward: "I'll take steps to make sure this never happens again. But if we are faced with a similar situation, know that I am prepared to protect you all with every fiber of my being." He deems secrecy a moot point given this incident, and just wants everyone to be safe and ask for help should they need it in the future. 

MC notes that he doesn’t have his usual placid demeanor; he’s incredibly serious and grave. She’s like “Oh boy some serious shit went down huh...but if anything, I feel like it’s only made us have more faith in his ability to protect us c:” AND HERE IS WHERE THE BIG HURT HAPPENS KIDS GET YOUR TISSUES AAAAAAAAAAAAAAAA

Jeanne: "...Alright. I will trust in your words. But can I ask just one thing?” Comte: “Yes, Jeanne?” Jeanne: "You know I always hated you, I truly believed you revived me against my will for a long time." Comte just sorta deflates, but he doesn’t say anything (MY POOR BABIE) Jeanne: "But, is that really the case? Did I want to live on, away from that pyre...?" [There was a long silence.] Comte: “...That day, when I appeared, you screamed desperately 'Why must I die here. Whether it be God or the devil, someone make use of me!'” Important note: Jeanne tells MC that he is able to recall thinking that, but he has no acute recollection of saying it; this is the moment at which he lost consciousness. MC: [;-; No matter how hard he tried to stifle it, it (his deep wish to live) came out all the same...] I wasn’t able to transcribe it, but Comte essentially tells him that he tried to ask Jeanne, but he was already barely hanging on--there was no way he could get a proper answer. (This is highly plausible given we know that Jeanne was incarcerated by the Inquisition, tortured, and starved before he was tied to that pyre--it was a miracle he lasted that long. He didn’t even have the strength to move/struggle from where he was tied). Comte goes on to say that Jeanne was pissed to shit when he woke up and there was little he could do to alleviate that (I mean given he was waiting for the sweet release of death it makes sense but also N O ;-;). For a while Jeanne just stares at him before asking: Jeanne: “...Why? Why didn’t you tell me after all this time?” Comte: "Because I thought it was okay if you berated me a little." Jeanne (vine voice: AMERICA EXPLAIN): ?????????? Comte: "Despite being alive...you looked dead to the world ever since the day we met. No matter how hard I tried or whatever I did, I couldn't seem to change that. But...the only emotion I seemed to be able to draw out of you was hate. If hatred was the only thing that could move you, I figured I'd take on that role. Better to see you express something than to see you lifeless beyond any glimmer of hope or change." Jeanne: "Why....why would you go that far?? Why did you bother? I don't...understand" BECAUSE HE HAS SO MUCH LOVE TO GIVE AND HE LOVES YOU I’M SOBBING ALL OVER AGAIN OKAY DEEP BREATHS THE SHOW MUST GO ON MINNIE Comte: "Because I'm the one that revived you...because to me, you're all my precious family." Jeanne: "...............................................................I...I'm sorry" AND JEANNE HANGS HIS HEAD WAAAAAAAAAAAH Comte’s brows rise: “...Jeanne?” Jeanne: "I know an apology doesn't forgive everything I did/said. But I don't know how else to make amends"

It goes on to show them all making amends, and while Jeanne can sometimes be like “ughghhghgh d a d stop nagging I’m fINE” he secretly really loves the guy. In Jeanne’s third bday story he’s literally like [Comte’s a weirdo but I see now that that's just how he cares abt me. He's not just worldly, he's a good guy. c: I just don’t care abt whatever he’s going on abt rn]

So like full disclosure before Jeanne’s route I still loved Comte but I really didn’t know much about him beyond the “eccentric nobleman persona.” Granted we definitely get glimpses into who he really is, but this was a sizeable breakthrough. (And probably a strong allusion to the release of Comte’s MS soon after.) That being said, there were so many things said here that just absolutely shattered my heart. 

Because here’s the thing. I have no qualms with Comte’s wish to be a dad--or even to revive the men, for that matter. If it makes him happy and he intends to take care of them reasonably well, then who am I to criticize him? (Fun fact: Leonardo essentially says the same exact thing; he’s more against it than I am because of the whole turning humans, but he doesn’t necessarily vilify Comte because he knows his intentions are good. And if everyone’s happy with it, what can he say?) But the fact that Comte handles their issues with so much patience and maturity...I’m in love???? There is sincerely nothing sexier than this for me. He’s fully aware that Jeanne was treated like absolute shit by the people he tried to protect, that he never really got to live for himself a single day in his life--never knew a moment’s peace, joy, or appreciation. He tries everything he can think of to get Jeanne to maybe not hate being alive as much, but fails at every turn. He still refuses to give up on the guy despite the less than ideal state of things, and decides that if Jeanne needs an enemy to survive--he will be that enemy. He doesn’t care that the guy he’s trying to help would skewer him the second he had his back turned (Jeanne pls this was a new suit couldn’t this wait). He takes full responsibility for deciding to turn him; knows that since he erred on the side of caution, it’s up to him to offer a life that’s worth keeping/staying alive for. He doesn’t belittle Jeanne’s plight for a moment, never deems him stupid or shortsighted. He’s able to understand that in the wake of so much pain and loss, of course Jeanne might not notice the finer points of Comte’s attempts to cheer him up. Even if it pains him to be on negative terms (HE LOVES HIS BOY HE DOESN’T WANT TO FIGHT) he will fully accept it if it brings Jeanne peace, if it helps Jeanne get to a place where he can begin to accept the affection he wants to offer.

And THAT’S what kills me, kids. Four hundred years, and Comte fucking LEARNED something. He is perceptive to uncanny degrees, and never fails to read a room in milliseconds; not only does he pick up on how people feel, he responds with appropriate, gentle measures. What I love so much about Comte is that he knows full well that genius does not come without its price. You could be the smartest person on earth, the most talented, whatever you choose to call it, but it will invite no shortage of hatred from other people, no shortage of misunderstanding and disdain and violence. If people don’t go mad with power, they are destroyed by the very places that birthed them. As such, the last thing he wants to do is put them under more pressure, or force them to do things against their will; he just wants to give them a chance to live beyond such fickle and hostile circumstances. And he takes this seriously, this isn’t remotely a whim for him despite all evidence to the contrary. He gets that healing takes time, and as much as he wants everyone to be happy he’s more than willing to give them space/resources to figure it out. Like. He is the father everybody DREAMS they had (if they didn’t already have a good one) and the fact that I can’t tell him what a wonderful job he’s doing is killing me on all levels INCLUDING physical.

And I just?????? Jeanne’s palpable remorse when he finds out????? And Comte’s surprise???????? Like Comte wasn’t necessarily expecting that level of apology, he knew he was taking a gamble and he was ready to do whatever he had to, he wasn’t intending to hold it against his boy. But Jeanne just has such a tender and well-meaning heart (no matter how much he struggles to express it) that regret was inevitable. There’s just so much love in that moment, in Comte’s capacity to forgive and take on so much of poor Jeanne’s unhappiness, and Jeanne’s fully ability to admit he was misguided, lower his head, and apologize. THEY JUST GET ME BLUBBERING LIKE A THREE YEAR OLD OKAY THEY ARE BOTH SO IMPORTANT TO ME AND I HURT

Tl;dr: JEANNE’S ROUTE SHOT ME FORTY-SEVEN TIMES IN THE CHEST AND LEFT ME PINING FOR COMTE MORE THAN EVER BEFORE OTL

Also a bonus, because it only just occurred to me (spoilers from the end of Comte’s route):

THEY HAVE A LEGIT REVERSAL AT THE END OF COMTE’S ROUTE???? Comte once again gathers everyone to reveal Vlad’s identity and intentions, and he apologizes for keeping it from everyone, lowering his head. He’s more than ready to face everyone’s ire for keeping secrets, but everyone’s just like “dad pls lift your head it’s okay, we’re just glad we can help you now--you don’t have to carry it all on your own.” AND IT IS IN FACT, JEANNE, THAT ALSO SAYS “No need to bow like that Comte, aren't you the one always saying we're family?" AND WHEN I TELL YOU I WAS IN A PUDDLE OF TEARS?????? I WILL NEVER BE OKAY. POOR COMTE WAS SO MOVED AND MY HEART CAN’T TAKE HAVING THIS KNOWLEDGE WHERE’S MY HANKIE. JEANNE. BEING THE ONE. TO SAY. “Aren’t we family?” WHEN HEARING HOW HARD COMTE WAS WORKING TO PROTECT THEM, BC HE 100% IDENTIFIES WITH THE STRUGGLE OF LOOKING AFTER PEOPLE THAT DON’T KNOW/CARE THAT SOMEBODY ELSE IS THE SACRIFICE FOR THEIR PEACE OF MIND. I--

WHAT IS IT THAT JEANNE AND COMTE SHARE TO THE CORE, SO MUCH THAT JEANNE WOULD NEED NO OTHER EXPLANATION TO CHANGE HIS MIND AFTER YEARS OF BITTER DISDAIN???????? THEIR CAPACITY FOR DEVOTION, THEIR EASY WILLINGNESS TO SACRIFICE ANYTHING TO PROTECT A LIFE. AAAAAAAAAAAAAAAA THIS EPIPHANY IS GOING TO BE THE DEATH OF ME

I’m crying rn I just: Comte: !!!!!!! Somebody who gets it!!! :DDD Jeanne: die. Comte:  Comte: ;-; understandable have a nice day

#ikevamp #ikemen vampire #ikevamp spoilers #ikevamp jeanne #ikevamp comte #ikevamp saint germain #comte propaganda #ikevamp fangdad #fangdad propaganda #god who would have thought that the one thing jeanne and comte have in common is TAKING RESPONSIBILITY #deadass i was just writing and i was like hold up #but if jeanne doesnt know what he said in this route then why would he do a 180 like that???? #and then i remembered that the focal point of comte's rt is learning that EVERYTHING that we knew from the getgo was a charade #he wasnt just turning ppl for funsies this was all a deliberate attempt to protect them from vlad #he was just using the dumbass noble persona to keep everyone from digging too deep (bc vlad would be waiting in the wings) #i still dont know what went wrong with shakespeare but im willing to bet that part of his whole keeping the truth surface level #might have been a direct consequence of that situation being mishandled #and as such everyone's living in a kind of ignorant bliss #the price of their peace is comte's carrying the knowledge of vlad's intentions and protecting them from an unwavering threat #and if there is ANYTHING jeanne can understand #it's wanting to bear the burden of violence or danger for the sake of protecting precious life #how could jeanne possibly remain angry with him? their hearts are undeniably aligned #GOD THIS JUST MAKES ME SO EMOTIONAL ITS A GOOD THING I HAVE SOME ROSÉ LEFT #ikevamp really goes above and fuckin beyond huh #how DARE they make me have feelings #**grumble** #i hope this answered your curiosity!! #if you need me ill be swimming in my feels good lordt im not okay

[pooklet]

you know what? no.

i was going to let this shit stay buried and just block you, but honestly, this reductive line of thinking is not just infuriating, it’s dangerous, and it chills me to think other people might have the same overly-simplistic view of the cause of this pandemic. so let’s try and turn this unnecessarily antagonistic interaction around, and learn some facts.

firstly, research into the origins of covid-19 is still ongoing and a definitive source has not yet been determined. the link with bats comes from the fact that the virus closely resembles existing viruses found in bats and pangolins[1] (side note: by your logic, pangolins are also a forbidden animal. so be sure to be rude to anyone who posts gifs of them, too). but that doesn’t mean that bats or pangolins are at fault for the spread of covid-19. no animal is at fault for being the origin of a disease that has jumped to humans. such is the case of civet cats and SARS. civet cats were proven to be the likely source of SARS in humans[2], but it was furthermore determined that most civet cat populations did not have the disease, and that it was overwhelmingly found in a market in which overcrowding and contact with other animals was the likely cause of the disease in civets[3], which then jumped to humans through the consumption of civet cat meat.

in other words, it was the fault of humans and their mishandling of civet cats that ultimately caused the SARS epidemic. which is also shaping up to be case with covid-19. although i wouldn’t count it as an academic source, this opinion piece by dr. robert breiman is worth a read.

secondly, i don’t think it’s possible at this point to deny the fact that the rampant spread of covid-19 has very little to do with its origin, whatever that may be, and everything to do with the fact that we, as a society, were so incredibly underprepared for a pandemic. epidemiologists have been warning us for years that the next pandemic was inevitable, and that when it happened we would not be able to handle it if appropriate precautions weren’t taken. well, they weren’t. and here we are.

thirdly, fear-mongering about bats has already put them in extreme, unnecessary danger[4] and could have untold consequences on the ecosystem as a whole, especially given that many species of bat is already critically endangered. bats provide an essential role in pollination and reducing the population of disease-carrying insects. maligning them as being the cause of covid-19 based on incomplete research is hugely irresponsible.

lastly, on a more personal note: i’m writing this post from home quarantine, where my mother has been showing many of the symptoms of covid-19. because of the lack of available tests, we have no idea if she has it, or just a severe, poorly-timed cold. we have no certainty one way or another. her doctor has told her to stay at home unless her cough turns into shortness of breath, at which point azaya and i have to be ready to rush her to the hospital, which for all we know may not even be able to treat her because of overcrowding and lack of resources.

my sister-in-law has also been confirmed to have come in direct contact with someone who has covid-19, and as a result she and both my mother-in-law and father-in-law are also in quarantine. there is not a single person in my immediate family who is not at risk for the disease or, in my mom’s case, might already have it. and because our country’s politicians do not give a shit about us, we have no way of knowing, no access to early stage treatment and have been told to just stay home and only seek medical treatment if things get bad, by which point it could be too late. we have spent the last week in a state of near-constant anxiety, and i have sobbed in azaya’s arms on more than one occasion.

but as scared for my family as i have been, and as angry as this whole situation has made me, i have not once blamed bats for it. because doing so is not only wrong, but it shifts blame away from those actually at fault. if you want someone to be angry with, start with the utterly incompetent politicians that fired their country’s pandemic response team to cut costs[5]. start with the heartless rich assholes demanding millions of dollars for the use of their empty real estate as desperately-needed hospital space[6]. and definitely don’t assume that the people you’re accusing of being insensitive about the current global crisis for using a bat gif aren’t also being directly effected by that crisis.

p.s. i hope it goes without saying that i don’t want anyone dog-piling on this person. i’ve said my piece, i’m done, and now i’m going to go recolor some shit.

#long post #nonsims #saviorhide #i know someone is going to say #'omg pooklet that was so unnecessary' #'don't bring your feelings onto yr simblr sweaty :)))' #'i'm here for your sims stuff not ~drama~' #but like #yeah no kidding me too #i'm here to post sims shit #not for ppl to be randomly rude to me about BAT GIFS #fuck's sake

[wolf-mask]

Why Borderlands 3 is Disappointing

Borderlands 3 is a fun game mechanically. I’ve spent almost 6 plus DAYS worth of hours playing the game. I finished every side quest and every collectible. The only thing I haven’t done is collect all the echo logs, but I’ve listened to all of them. The only complaint I have with the game is the story. I’ve ranted to my friend about this and, like they said, 

“it feels like great writers set up a world and cast with a ton of potential and plans laid out, and then halfway through a different team of writers took over and there was 0 communication between the two groups.” 

There was so much potential for Borderlands 3 to be good, but instead it came out “Meh.” and that seems to be what everyone thinks. After watching multiple reviews, there are 4 points of BL3’s story that people pick out as detrimental to the story.

If I’ve forgotten anything, or something sticks out to you that can be explained away by canon, please let me know.

More under the read more

1. The Calypso Twins

I have 2 complaints about the Calypso twins: their unexplained motivations and the writers’ choice of focus.

This is my own personal complaint, but why do the Calypso’s have these motivations? Sure, I get it. Tyreen wants to open the Great Vault because she thinks its her birthright as the daughter of the first vault hunter. But why become a God? I understand the whole wanting to be the most famous person thing but she could’ve just opened the vault to do that, look at Lilith and the other Vault Hunters. So why become a God? How did she come to that conclusion? Why build up an army? Why cause galaxy wide pandemonium when you could just become a Vault Hunter like the current and past playable characters? She even says herself they came to Pandora to be Vault Hunters! So why start a CULT? None of that is really answered by the game. Instead we’re given surface level villains with a surface level backstory. We never find out how their mother died.

The main complaint I’ve seen in these reviews is the story’s focus on the villains. Tyreen is never given screen time. We never learn more about her nor does she undergo any kind of character growth to become a good villain, yet she becomes the Final Boss. Instead, Troy gets most of the character development. Troy is the main focus out of the two villains, he gets the character growth after taking Maya’s powers. Troy is the more compelling villain out of the twins. He starts from the bottom, forced to rely on his sister to live but she sees him as nothing more than a parasite. He’s constantly forced into the background, be a follower, kept under his sister’s heel as she gets what she wants.

After taking Maya’s powers, however, he figures out he doesn’t have to depend on Tyreen. He starts crawling away from Tyreen’s shadow to stand by himself. The cultists start to worship him just as much as Tyreen, he starts hijacking the echo calls, he starts disagreeing with Tyreen’s leadership. The scene in Jakobs mansion makes it seem like Troy is scheming on his own. All of this focus, compounded with Tyreen’s comments during Troy’s boss fight, hints that TROY will become the Final Boss. But instead of having a compelling villain who’s crawled out from under his sister’s shadow, we kill Troy and we’re left with the less interesting villain. If they HAD to go with Tyreen as the main villain, they should’ve given her character growth to make her more compelling. You’d think she’d show some sort of growth after having her brother killed and killing her father, but nothing ever from that. She just stays a one dimensional character throughout the main plot.

2. Maya’s Death

Maya’s death was severely mishandled in Borderlands 3. In the context of the story, Maya had to die eventually, but that doesn’t mean her death couldn’t have been pushed back though. 

Compare Maya’s death in Borderlands 3 to Roland’s death in Borderlands 2. In BL2, Roland’s death had more impact because we spent more time with him (Over half the game to be exact, 11 out of 20 story missions), he spent most of the game guiding the player, and we got to see him interact with other characters as well as see how his death affected other characters.

With Maya we spend less than a fourth of the game with her (4 out of 23 missions. She should’ve been introduced earlier and killed off later), we barely interact with her and we don’t see her interact with any other characters aside from Ava and Lilith. One of the things I loved about BL2 was being able to see the old Vault Hunters interact with each other in Sanctuary. When Maya dies, her funeral is played off as a joke, Lilith is blamed by Ava, and that’s as far as acknowledgement goes. No one besides Ava ever acknowledges Maya’s death. It’s as if her death is totally ignored.

Did Maya have to die though? Yes, but not immediately. When Tyreen drained Lilith, Lilith didn’t die. But when Troy drained Maya, why did she die? She didn’t have to at that moment. Throughout the story, Maya’s powers are an important plot point. Her powers are what allow Troy to experience some independence for the first time in his life. When Troy drained Maya he could’ve just stolen her powers and left her alive. This would have left her the potential for character growth. 

So why did Maya have to die? Because Ava had to become a Siren eventually. I don’t mind Ava, I think she’s fine as a character, but if her purpose was to show how Siren powers are transferred, we already have Tannis for that. They practically shove in Ava to replace Maya as soon as she dies. It’s like taking a child’s favorite toy and shoving a new one in their arms, expecting them to like the new toy immediately. They should’ve let Ava become a Siren later down the line instead. 

3. Ava’s Characterization

As I previously said, I don’t mind Ava. I think she’s an alright character as she is right now. Most people don’t think that though, and I can see why. Ava is directly responsible for Maya’s death. She disobeyed Maya’s directions and came to the Promethea Vault on her own. Due to her disobeying orders, Maya is forced to put Ava’s well being above hers. Ava further escalated the situation, leading to Maya needing to save her. This ends in Maya’s death. 

Instead of taking responsibility for her actions, Ava blames Lilith for Maya’s death and claims that they need to rush in without thinking. And later on she’s praised as being right for the same thought process! When Lilith goes to sacrifice herself, she basically tells Ava she’s right. Not only that, she gives leadership of the Crimson Raiders over to a 13 year old child with no experience who got her mentor killed. At no point is she forced to face the consequences of her actions, she never goes through a character arc. Ava has the potential to be a likable character but her characterization was so botched that most people hate her now. They player should’ve been allowed to slowly learn more about Ava and watch her grow before taking over Maya’s role. Hopefully the DLC that focuses on her will do her better.

4. Ignoring the Player

The BIGGEST sin of BL3 is how it treats the player character. The achievements of the player are constantly undercut and we are consistently ignored by the narrative. 

The whole game made me feel like I was the side character to the Sirens. All the other Borderlands games have focused on the Player as the main character. In BL1 the Vault Hunters killed the Destroyer, in BL2 the six vault hunters defeated the Warrior and defeated Handsome Jack, in TPS those six beat the Sentinel and helped Jack rise to power. In BL3, it feels like none of our achievements matter. As soon as we accomplish one thing, something bigger happens and that needs to be focused on. You got to Tannis after that pain in the ass fight with the Agonizer? Welp looks like Tannis is a Siren and you practically did that shit for nothing! We defeated Tyreen the Destroyer? Welp looks like Elpis is going to crash into Pandora and now Lilith has to go stop that. The only times I really felt like I was making an impact was when I wasn’t doing missions for the Sirens. 

At the end of the game Ava is more acknowledged than the player and given command of an entire army. This should’ve gone to the player! The character who’s busted their ass off to bring the Raiders back from the brink of disbandment, who’s done all the heavy lifting! Hell, before going down to Promethea Lilith asks YOU to take over field operations while she’s powerless. 

But what ticks me off the most is how the narrative ignores the player. Unlike the cut scenes in other Borderlands games, you are ignored. Nearly all of the cut scenes are in third person and you are NOWHERE to be seen. Maya being killed by Troy, Tyreen absorbing Troy and trying to crush the other Sirens, Tyreen killing Typhon, and Lilith’s sacrifice. We’re NEVER seen in those cut scenes. Compare this to the cut scenes in previous games, which are almost always in 1st person and if they aren’t, the 3rd person view is used when the cut scene isn’t important. In BL3, almost all the cut scenes are in 3rd person. The only time the player is acknowledged is when Troy phaselocks the player in the Jakobs Mansion, which makes this issue all the more frustrating.

Conclusion

Borderlands 3 is a graveyard of missed potential. The story could have been so much better than it came out as. I love the game from a gameplay standpoint, it’s so fun to play, but the main story is a drag to get through at this point. I don’t think it’s worth re-playing at this point and I’m going to wait for DLC to come out before playing more of it. Again, if I missed anything or you think something could be can be explained by Canon, please let me know! I have other little nitpicks I might talk about later but for now these are the main things that I think are wrong with the main story of Borderlands 3.

If you’re interested, these videos helped me in pinpointing what felt so wrong about BL3. They’re good videos to watch.

https://www.youtube.com/watch?v=k-ws6VRYEDw&t=431s (Tina vs Ava)

https://www.youtube.com/watch?v=nO2qmhaRmcc (Main problem with BL3)

https://www.youtube.com/watch?v=5lL0fAxjZnc (Wasting Maya)

https://www.youtube.com/watch?v=ibOPCU2adkE (Why Borderlands 3 is Disappointing)

#Borderlands #Borderlands 3 #BL3 #tyreen calypso #troy calypso #maya the siren #ava the apprentice #ava the siren #my post #my rant #they could have done it so much better

[thelogicalghost]

Hellboy (2019), a review

First, some background.

Hellboy is the title of a comic series centered around the character of the same name. Its core concept is a subversion of the Lovecraft genre: a demon (summoned by Rasputin working with Nazis, for extra evil) destined to bring about the apocalypse who, having been raised by humans, instead travels the world killing other eldritch creatures and preventing dime-a-dozen Lovecraftian apocalypses. Though it's been handled by multiple artists and writers, there's a definitively unique art style and tone that stays constant. Hellboy is a combination of antihero tropes, preferring to shoot things first and ask questions later, although how much his impatience and irreverence may be masking considerable intelligence varies from writer to writer.

In 2004, Guillermo del Toro directed and co-wrote a big-screen adaptation starring Ron Perlman as well as other highly capable actors such as John Hurt and Doug Jones (the latter of who played a fishman who likes to read, and then 13 years later would play another fishman for del Toro). While not perhaps the most faithful adaptation, the 2004 movie got a lot right, and del Toro helmed a sequel in 2008. The movies came just before and after another del Toro classic, Pan's Labyrinth (2006), and the aesthetic and atmospheric similarities do suggest that del Toro was maybe going through a bit of a "fairies but horror" phase. Neither movie was received well at opening, but they've slowly risen in popularity as the comic adaptation genre picks up new converts who now return to these movies and enjoy them as the dark demonic superhero genre-flip that they are.

So now it's 2019, 15 years after del Toro's Hellboy, and with superhero and comic book movies raking in big bucks even on R ratings and nostalgia for del Toro's vision still present, the movie industry has tried to revive the franchise. Kind of.

What this means is that this new movie not only has to adapt one of the trickiest kinds of source material, with a highly stylized feel of its own, but also has to follow two movies made by one of the most incomparable creatives in Hollywood today. Like him or not, del Toro's work is neigh impossible to copy. It also has to recast the equally unique Perlman.

The short version is, it doesn't succeed. Probably no one could have. It has a number of deep flaws, some of which are common to comic adaptations but some not.

I'll start with the plot, because the overall plot is, I think, a strong example of why I had to go through all this background.

The new movie begins with Hellboy as an established character, both to the universe he's in and to the audience, and I liked that. Hellboy's in Tijuana looking for a fellow agent but the rescue is derailed because the agent's been turned into a monster and Hellboy has to kill him. This is classic Hellboy, where all other characters are inevitably killed by the darkness and only the indestructible demon is left to finish the job and move on to the next. Except that Hellboy gets SUPER depressed by the death of this agent, going on a drinking binge for possibly weeks? Unclear dialogue? Anyway, okay, so it's a younger Hellboy. Oh, also, the movie quickly establishes that Professor Broom - Hellboy's dad - is still alive in this movie, and still parental.

This was, to me, the first warning sign. The 2004 movie did the establishing-universe-coming-of-age story, killing off Broom as part of that. So we're resetting the universe, but also not bothering to frame this movie as re-establishing Hellboy's character, assuming that the audience will already be familiar with the basic premise. It wants the easy access of an origin story but also getting to take the shortcut of building off previous incarnations. What that means is that the movie opens with a flashback to Arthurian times to set up the antagonist, but ALSO has to incorporate the re-tread flashback re-establishing Hellboy's origin as a Rasputin/Nazi experiment. We get the awesome sense of worldbuilding with characters who refer to a shared history, but then that history is blatantly exposited or flashbacked. The coming of age narrative has to share screen time and space with a plot that only really works when it's not the first in a series, so plot elements pop up and then are discarded or timing isn't explained or consequences are unclear.

Nowhere is this more keenly felt than in the character of Alice: her introduction is fantastic, implying that years ago when Hellboy saved her as a child they established some sort of relationship that sets up a great sibling dynamic between the two. BUT then in order to explain how a secondary villain is relevant, there's an extended flashback to how he saved her, as a baby, with no indication of further association as she grew up, which completely invalidates the previous worldbuilding and implied relationships.

I don't know exactly where the blame for this falls specifically, but I think it's indicative that the director, Neil Marshall, has to now mostly helmed the kind of blood-filled horror flicks where the quality of the dismembered body props is more important than the quality of the plot. Whether it's his direction, or the direction of producers (there are so many listed in the credits I don't know who to research first) or other creative controllers, it's clear that this new movie is intended as horror first and foremost, a sentiment supported by the excessive screen time devoted to redshirt humans being dismembered with unnecessarily vivid brutality.  This in turn brings with it the hallmarks of cheap horror: ignoring plot for the sake of blood and scares, spelling things out so the audience doesn't have to think and can just mindlessly consume, and generally mishandling pacing and tension because the ending is a foregone conclusion.

I understand WHY someone might get this idea from the del Toro movies, especially since I'm pretty sure the creative team also watched Pan's Labyrinth while putting together specific scenes. Unfortunately it's the most surface-level reading of the movies one could get, and it completely misses the point about what makes Hellboy an interesting character and property. They literally did not have his right hand DOING anything, which showcases how much they missed the point.

However.

Strip away the CGI gore and ham-fisted retreading (and cut the retelling of Broom's death, it would be effortless to replace that subplot), and there's actually a pretty awesome movie hiding underneath.

Someone on the writing staff knew what they were doing. The actors are almost all great. (Seeing Ian McShane as Broom here was weird, but I think that's partially because my feeds have been flooded with American Gods S2 trailers, so I had some strong "the fuck is Wednesday doing here" dissonance.) I love the lack of love triangle and instead the strong teambuilding with sibling-style chemistry with situational allies developing trust through necessity.

The main through-line of the plot is exactly what Hellboy should be: monsters, undead things coming back, an ancient evil threatening to engulf the world in darkness, and a determined attempt by the villain to appeal to Hellboy's demonic nature to draw him to her side. If the movie had been confident enough to position itself as a sequel to the del Toro films, rather than a reboot, the revelation of Hellboy's ancestry would have been a great development of his ironic destiny. 

Just take the secret society set up in the first act. An old boy's club of British gentlemen who ritualistically hunt down undead giants on horseback with electrified lance/spears and mount their heads in a Victorian trophy room? This is the world of Hellboy, absolutely. Love it. Baba Yaga! Bleeding trees! Whatever the hell those throat-ghosts are! A fairy ripping out someone's tongue and putting it in their own mouth in order to speak with the person's voice! Hellboy! (Granted that last point was utterly terrible in the context of the plot, but I already ranted about that.)

The movie is pretty optimistic about setting up further sequels, and while I don't know if the box office and reviews will make a sequel happen, I would love for the seeds planted by the good movie underneath the bad one to be nurtured into an actually good Hellboy movie. It just desperately needs to be taken away from people who prioritize cheap horror and its tropes, and given back to people who understand that Hellboy is a fantasy superhero narrative within a Lovecraft setting, the way that del Toro did. 

#hellboy #review

[n1ghtcrwler]

So I think my denomination is going to be having another big internal fight soon and there’s a part of me that’s dreading the possibility of being involved in it simply because I may be a part of the denomination when it happens and I’m terrible at staying out of things like this. Now, I know who follows me and that a number of you will disagree with the current SBC stance on at least some of the issues at hand, and may have varied views on the possibility of a fight because of it. I want to remind you that, as the largest protestant denomination in the nation, a sufficiently large fight in the SBC could have consequences in other spheres of life for Americans.

So, here’s the quick and dirty backstory, and then I’ll get to my point:

The Southern Baptist Convention has had some degree of controversy pretty much since it was created*, but the event that is called The Controversy in-house (also known as the Conservative Resurgence in- and out-of-house, and the Fundamentalist Takeover by particularly disapproving outsiders) is an ideological fight that had roots as far back as the 20s but really took off in the very late 1970s and didn’t end until roughly 2000. Conservatives within the convention had reason to believe that at least some of the SBC seminaries were allowing universalism and a denial of the legitimacy of scripture to be taught in the classrooms**, while breaking from the standard SBC views on a number of moral issues. These included women in ministry and the nature of sexual relations (yes, this included homosexuality, but was not limited to it). In response, two men started writing and asking for information and urging other people to begin investigating and acting accordingly. These men were Paige Patterson and Judge Paul Pressler.

The concerns were affirmed. It had gotten to the point where they were able to prove that these teachings were happening, that the SBC was sending out missionaries who weren’t sharing the gospel and didn’t believe Christ was the way to salvation, and that the leadership of various SBC entities were actively lying about their views to the convention at large and attempting to bribe people who challenged them to stay quiet. The Executive Committee, the entity responsible for all SBC operations between annual meetings, was facilitating all of this and helping to hide it behind smokescreens and lies about political involvement. Various attempts were made to do something about it, but resolutions passed during the SBC annual meeting are pretty loosely binding, if at all. The real move to change things was for the messengers from the churches at the annual meeting to elect a conservative President of the SBC, who would appoint a conservative Committee on Committees, who would appoint a conservative Committee on Nominations, who would nominate conservative individuals to the Boards of Trustees of the various SBC entities, who will then make necessary changes. Yes, it is complicated. That’s how we roll. This would need to happen for a number of years in a row to gain a majority in each Board of Trustees because only a handful of Trustees get replaced each year. There’s a reason The Controversy lasted 20 years. There has not been a non-Conservative elected to the presidency or the Boards since the Controversy started to this day.

The issue at the center of the whole thing was what grounds Baptists use to define their theology. The conservatives argued that it was Biblical inerrancy, that the Bible was the sole rule of faith and that it was trustworthy in all it included. The progressives argued that the core Baptist distinctive was the priesthood of the believer as an interpretive tool, that the ability of individuals to interpret scripture was more important than the accuracy of that scripture itself. They both maintained that scripture should be primarily interpreted through the lens of Christ, but the conservatives used the words and life of Christ as recorded in scripture for this purpose while leadership in the progressive party held that Christ in direct communication with the believer was the lens through which scripture should be understood. In one extreme case, some faculty at one of the seminaries used this argument to defend their then recently discovered wife-swapping and drug abuse, as something they felt Christ told them was acceptable. Ultimately, the stance on Biblical inerrancy won the day and was incorporated into the updated Baptist Faith & Message in 2000.

During this time, at least two groups broke from the SBC at large. The very progressive parties formed the Alliance of Baptists, which I believe fully broke from the SBC. A number of moderates, who believed that the in-fighting was completely unjustified and that the conservatives were just trying to gain political control instead of concerned about theological issues, formed the Cooperative Baptist Fellowship, which has not fully left the SBC (most CBF churches and some state conventions are affiliated with both, and there are very few who are only affiliated with the CBF) but operates its own press, missions agency, and annual meeting.

So, in current events. Just a month or two ago, the conservative President of the Executive Committee resigned after confessing to an affair. Around that same time, the CBF announced that they would be shifting further left theologically and welcoming homosexuals into certain positions of authority. In response to that announcement, the two main state conventions in the CBF (Texas and Virginia) backed out. This is the most recent of a series of blows to the CBF as it has moved in a more progressive direction, and this last strike might actually be enough to remove its viability entirely. Pressler has gotten wrapped up in a series of legal issues over accusations of sexual misconduct and outright rape of younger men during his career, and Patterson was just this week fired in disgrace from his presidency at Southwestern Baptist Theological Seminary over statements that seemed to consider sexual abuse an invalid grounds for divorce and mishandling of a case during his tenure at Southeastern BTS in which a young woman was counseled to forgive her rapist rather than contact law enforcement.

We’ve got some issues that need to be sorted out and I’m not sure how it will be handled. The seminaries took the right approach in the case of Patterson, the Executive Committee was right to accept the resignation and begin looking for a new leader, so that’s a good sign. Obviously we don’t know yet what’s going to happen to Pressler and probably won’t before the annual meeting, but he also doesn’t hold a leadership position in the convention, so we don’t have much to say about what happens to him however this turns out. My issue isn’t that today’s SBC isn’t handling these things well--I would argue that it is--but that I see opportunities to use these situations to pick fights.

The leadership of the SBC most associated with The Controversy is being removed, through scandal or age, and the people who fought against their changes and never fully left the convention are in a position where they need to reassert themselves in some way or lose the ability to function as a denominational body. The systems to make widespread change in the SBC are no longer secret+, and attendance at the annual meeting has been on the decline since people no longer felt there was need to be sending significant delegations to deal with important issues. If there was ever a time for the moderates and progressives to start fighting again for a new direction to the SBC, it feels like now would be the time to do it. I don’t know if they will or not, but I see the opening, and I’m bracing myself for the possibility that The Controversy isn’t over. I’ll be sure to let you all know if that happens.

* In opposition to the Triennial Convention, at the time the main national gathering of Baptists for the purpose of supporting missionaries, who had decided not to send slave-owners out as missionaries. The southern delegates, most of whom supported slavery to some degree, took offense to this decision and broke away to make their own missions agency. It is worth noting that recent generations of SBC members recognize the errors in this but would rather keep the systems the SBC has created in place and use them for the purposes of the gospel than leave. Frankly, it is hard to find a Baptist denomination that can do some of the things the SBC can do at this point. Anyway, this caused a lot of strife between northern and southern Baptists, which got worse during and after the Civil War. And then we had Landmarkism and the anti-missions movement and basically the SBC has always been fighting about something, usually with other Baptists in and out of the SBC.

** This latter one is often summarized as saying that the SBC, during The Controversy, shifted toward a literal reading of scripture. This is...partly true. The denomination at large always held to about as literal a reading as it does now, but the seminaries had started to shift away from it and were being brought back in line with the churches, because that’s how Baptist seminaries operate. However, the issue was inerrency, and the fact that teachers were actively saying significant parts of the Bible weren’t true. In some extreme cases, literally anything miraculous was tossed out as an analogy, which one may note makes the Bible itself pretty useless as a testimony of anything. It also excludes almost everything Christ did to affirm His nature and teaching and calling, which makes one wonder how a person who believes that could be bothered to follow Christ at all.

+ In the years leading up to The Controversy, the Executive Committee was very quiet about the actual power of the SBC Presidency and encouraged messengers to vote people in as something of an honored figurehead who would ultimately just approve what the Executive Committee decided to do with his power, unaware that they actually had the power of decision.

[swedna]

Thermal screening of security personnel being conducted during a nationwide lockdown in the wake of coronavirus pandemic, in Howrah. Photo: PTI Coronavirus India update: With the addition of 1,553 cases and 36 deaths in 24 hours, India's total number of coronavirus-positive cases reached 17,615 on Monday. Globally, 2,414,098 people have been infected and 165,153 have died so far, according to Worldometer. The central government on Monday said the Covid-19 situation was "especially serious" in Mumbai, Pune, Indore, Jaipur and Kolkata. In what could be abother cause for concern in India's fight against coronavirus, it has come to light that over 80 per cent of the cases in India are asymptomatic, a TV new channel has reported, quoting senior ICMR scientist Dr Raman R Gangakhedkar.

World update on coronavirus: Coronavirus-related deaths in the US has topped 45,000, with New York recording nearly half of all fatalities. A top Wuhan laboratory official has denied any role in spreading the new virus, even as US President Donald Trump has been claiming that China could have deliberately caused the outbreak and threatening that it might have to face the consequences for it.

Stay tuned for all coronavirus LIVE updates

CATCH ALL THE LIVE UPDATES Auto Refresh 02:07 PM Delhi HC satisfied with govt measures for emergency treatment to non-Covid patients in hospitals The Delhi High Court has expressed satisfaction over measures taken by the Centre and Delhi government to provide treatment to non-Covid-19 patients including those needing chemotherapy, dialysis and pregnant women, despite the enormous pressure due to coronavirus situation. 02:06 PM How will coronavirus affect Xi's crown? Chairman Xi Jinping allowed his nation to unleash the deadliest pandemic since 1968. In the midst of China's mishandling of the Covid-19 crisis, the autocratic leader is busy deflecting criticism and perhaps sensing opportunity to tighten grip over the world's most populous nation. One of the most important questions to ask is whether grassroots discontent with the Chinese Communist Party (CCP) is rising. That is what ANI asked Doctor Jason Young, Director of the New Zealand Contemporary China Research Centre. He responded, "That's a really hard question to answer ... I guess the reality is that we never really know. And I think the only people that really know would be the Chinese Communist Party who monitor this type of thing very well and have all the statistics. "There's certainly some evidence that things are bubbling up and that people are not happy about the doctors that passed away and an outpouring on social media. And then I've talked to a few overseas Chinese; the typical response is that they haven't invested properly in public health and they've bungled their response and that type of thing." 02:00 PM Coronavirus in Andhra Pradesh: 75 new cases in Andhra Seventy-five new coronavirus cases reported in Andhra in last 24 hours, number rises to 722; three deaths take toll to 20: Govt

01:59 PM Coronavirus Gujarat latest update: 108 new cases in the state 108 new Covid-19 cases in Gujarat; state tally jumps to 1,851, says heath official

01:58 PM Coronavirus in Gujarat: Four more die of Covid-19 in the state Four more die of Covid-19 in Gujarat; state toll rises to 67: Health official

01:58 PM Govt sets up 6 inter-ministerial central teams to make on-spot assessment of Covid-19 situation, issue necessary directions to states 01:57 PM Coronavirus in India: Covid-19 situation serious in Indore, Mumbai, Pune, Jaipur, Kolkata and few other places in West Bengal 01:55 PM Newborn tests positive for Covid-19 in Rajasthan's Nagaur A newborn baby has tested positive for coronavirus in Rajasthan's Nagaur district, an official said Monday. "The baby born on Saturday is coronavirus positive. Her mother, father and other family members too are COVID-19 patients," Nagaur chief medical and health officer Dr Sukumar Kashyap said. Dr Shadab Ali, in-charge of Basni primary health centre where the pregnant woman was admitted, informed the family that the newborn was coronavirus positive.

#Thermal

[analytic-chaoticism]

In Regards To ‘Let’s Talk!’

I agree with everything Jack said, basically. I think it was a super cunty thing for Felix to do but the world is very grey and Jack explained context and intention and how mishandled everything was from start to finish very well and my stance on the matter is basically the same as his. 

Humans are inherently problematic, like, by nature. To expect someone to be perfect all the time is ridiculous, and I think everything has to be considered within context before sweeping judgements and lynch quests are made. If I treated friends who made trashy jokes like the internet treats anyone I would have not very many friends and a lot of people would not like me. 

What Jack has said about consequences and the nature of humour, and understanding humour within context, I also agree with. Now was a really bad time for these sorts of jokes with fascism and neo-Nazism on the horizon. I do think there CAN be a time and a place for these sorts of jokes but, like Jack said, only if there’s a point, a valid social commentary that it’s trying to achieve. I’ve been upset with my friends for their bad jokes and slur usage but I don’t cut them off or try to crucify them as so many on the internet - particularly Tumblr, let’s be honest - are want to do. I mean I myself am a minority and sometimes it really gets to you, and all? But it definitely requires context. 

My friends are just some teenagers and to them faggot doesn’t really mean much. They’re lacking in context, historical, personal, and modern. They’re also teenagers, so they don’t really care about these things all that much. They’re also a bit headstrong, and don’t like being wrong. But they aren’t BAD people. I wouldn’t be friends with someone who is genuinely homophobic, and they might call people faggots, or say something is gay -and yeah! it bothers me! a lot, sometimes, yeah! and of course I try to ‘educate’ them and sometimes it gets some remorse - but that’s just the culture they’ve been raised in and this is just what they’ve normalized. A big thing these days is definition separation, where people say ‘no but I’m not using it like that’ because they think that these things can vary by context. But the problem is it’s too loaded, too directed, too hateful, and too discriminatory to ever change. Something like faggot will not vary by context. You cannot just redefine it, or change how you mean it whenever you want, because that’s disrespectful of the history and all the people who have been harmed, abused, and killed under these terms. 

Which is why it’s especially rocky for humour.

Like Jack I definitely don’t condone Felix’s joke, not even in shock humour value, because it was in really poor taste and made light of a situation that you have to be incredibly careful with, especially now! I’ve never been much of a fan of his content so it doesn’t bother me that these sorts of jokes have put me off watching his channel, but I also know he’s not genuinely antisemitic - as has been confirmed through his apologies, Mark, and Jack - he’s just a bit ignorant and said some dumb things to try to be funny. Attack people who genuinely support those kind of statements, not the misguided people who try to make jokes about them. Be angry, yeah. Educate, yeah. But enough of this mob mentality nonsense. This discourse has dragged on long enough. I think we just have to acknowledge the fact that he made a problematic mistake - as we, and everyone we know, are all naturally prone to do - apologized, and the context surrounding the situation: the joke, the individuals and beliefs of those involved, and the way it was handled. It was super gross but it’s been done and apologized for, and he said it wouldn’t happen again, so let’s be happy with that okay? He’s determined to better himself and that’s what matters. He’s realized his mistake, and he wants to improve, and that’s the most you can ask of a person, and the best outcome in these sorts of situations. We’re allowed to make mistakes. Be angry, but educate. Go out and find a racist, or a homophobe, or a sexist, or an ableist, and try to explain to them what’s toxic about their beliefs and/or behaviours. People who are genuinely problematic and need the most help to reform and better themselves. Condemning someone can be understandable, but in this situation it’s a little bit overkill to bay as much as everyone is, considering who is involved. Redirect your attention to someone like Mike Pence or Richard Spencer, people who are actually incredibly toxic and GENUINELY support the kinds of ideals the jokes we’re all hating on represent. Felix was just a dumbass, not an antisemite. Richard Spencer, though? 

Can we put this witch hunt to rest now?

(And yes, please recognize I understand how humour has an affect on the reinforcement of the behaviour of the genuinely bad people, I know, yes, it’s indirect support and empowerment, but it was also just a dumb mistake, let sleeping dogs lie, please. I also wrote and reblogged a post explaining where I stand on Mark’s video, which is a mostly yes after the post where someone else reframed his opinion in a way that made sense and I could agree with e.g. holding people accountable for their actions as people instead of establishing inhuman standards which basically excuses them for their nastiness).

#Jacksepticeye #D//iscourse

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How Do I Know If I Qualify For Chapter 7?

On the off chance that you are trying to get rid of your debt, you may not realize where to turn. The first thing you should do is call a Chapter 7 Lawyer who can give you a free consultation.

If you have taken a stab at all that you can consider to recover financially monetarily, yet nothing has worked. Have you considered the kinds of insolvencies that may enable you to escape obligation and in a good place again? Your loan bosses are calling each day, and you abhor checking the letter drop because of a paranoid fear of accepting notification of an obligation gathering claim. Have you considered the sorts of liquidations that may stop loan boss provocation and delinquent payment accumulations? You have heard that bankruptcy may help, yet you don’t know of the sorts of bankruptcy accessible for you. Do you fit the bill to record Chapter 7? Would it be a good idea for you to document Chapter 13? What sorts of insolvencies would you be able to record? The different kinds of liquidations accessible to people depend on the capabilities for every chapter of bankruptcy. The Bankruptcy Code presents the capabilities for every chapter of bankruptcy. People may record under the accompanying kinds of insolvencies:

Chapter 7 — Liquidation Bankruptcy1

Chapter 13 — Repayment Plan2

Chapter 11 — Large Reorganization

Chapter 12 — Family Farmers

Chapter 15 — Used In Foreign Cases

1-2 The two most basic kinds of bankruptcy for people in Utah are Chapter 7 and Chapter 13.

One of the kinds of liquidations that you should seriously think about documenting is a Chapter 13 case. A Chapter 13 case is a reimbursement plan. You should pay in any event a part of the sum you owe to unbound loan bosses to a Chapter 13 trustee. These sorts of liquidations can enable an account holder to keep their home and vehicle in the event that they are behind on the credit installments. Be that as it may, these sorts of insolvencies are considerably more hard to document contrasted with different kinds of liquidations. A Chapter 7 bankruptcy case is a liquidation bankruptcy case. A Chapter 7 trustee is named by the court to regulate the case. On the off chance that the bankruptcy trustee recognizes resources that have non-absolved value, these benefits might be sold by the Chapter 7 trustee to pay debts without collateral. Most Chapter 7 cases are no-benefit cases. In a Chapter 7 no-advantage case, the account holder keeps all his or her property. These sorts of insolvencies are considerably more typical than Chapter 7 cases that are viewed as resource cases. Hence, most indebted individuals document Chapter 7 and don’t lose any property, however they dispose of thousands of dollars in uncollateralized debts.

On the off chance that you are attempting to reimburse your obligations, a Chapter 7 bankruptcy case can give you opportunity from those obligations. Seeking financial protection help enables you to dispose of the obligations you can’t pay so you can modify your accounts. You keep your property with the goal that you can push ahead realizing you have what you have to accommodate yourself and your family. A Chapter 7 case stops bank badgering and obligation accumulation. It doesn’t make a difference why you need bankruptcy help. The bankruptcy court does not condemn indebted individuals when they document any of the sorts of liquidations accessible under the law. Some normal reasons individuals seek financial protection help incorporate joblessness, separate, diminished pay, business disappointment, doctor’s visit expenses, unplanned damage, and loss of a relative. You have a similar appropriate to declare financial insolvency help as some other individual. On the off chance that you have been experiencing pressure related medical issues, declaring financial insolvency alleviation can diminish the pressure. It is anything but difficult to check whether you qualify. Chapter 7 bankruptcy gives careful alleviation from obligation by clearing out most uncollateralized debt and enabling the account holder to have a new beginning. To keep customers from mishandling the framework, be that as it may, Congress has given qualification prerequisites to documenting a Chapter 7 case. Here are the primary necessities to meet all requirements for Chapter 7 bankruptcy help. On the off chance that you documented a Chapter 7 request and got a release previously, you should hold up eight years from the recording date of the past bankruptcy before documenting another.

On the off chance that you documented a past Chapter 7 case yet did not finish the case and did not get a release, you may record another Chapter 7 whenever, gave the court in the past case did not banish you from recording again and you generally meets all requirements for Chapter 7. In the event that you recently documented and got a release in a Chapter 13 bankruptcy case, you should hold up six years from the date that Chapter 13 was recorded before petitioning for Chapter 7. In the event that you didn’t finish or get a release in the past Chapter 13 case, you can document a Chapter 7 case whenever accepting you generally qualified for Chapter 7.

Before you document for Chapter 7 bankruptcy, you should finish a prebankruptcy credit advising course led by an affirmed organization. You should finish this course inside a half year before the date you seek financial protection. When the directing is finished, you will get an endorsement that you should document with the court.

With the establishment of the Bankruptcy Abuse and Consumer Protection Act of 2005 (“BAPCA”), bankruptcy account holders are presently required to pass a “signifies test” so as to meet all requirements for Chapter 7 bankruptcy. Peruse on to become familiar with whether you fit the bill to petition for Chapter 7 bankruptcy. So as to finish the methods test, you should have next to zero discretionary cashflow. To decide if you fit the bill for Chapter 7 bankruptcy, the methods test looks at your normal month to month salary for the half year time frame going before your bankruptcy against the middle pay of a comparative family unit in your state. On the off chance that your pay is beneath the middle, you consequently qualify. While the middle pay figures change from state to express (my very own area in Utah , right now has a middle salary limit of $41,065 for a family unit of one). As a rule, individuals who are having money related challenges are making almost no salary so the methods test does not represent an issue. Be that as it may, what occurs if your pay is over your state’s middle? Numerous indebted individuals feel that such a situation speaks to the endgame for them, that it is extremely unlikely they can record a Chapter 7 bankruptcy with their pay being so high. This isn’t really valid. On the off chance that your salary is above middle, you should finish the whole methods test structure as opposed to qualifying basically dependent on your pay. The methods test is basically an adjusting stage where your costs are weighed against your pay. In any case, remember that you can just utilize your genuine costs for specific things. For some costs, the methods test just enables you to deduct the national or neighborhood standard living recompense.

On the off chance that deducting every single suitable cost from your pay results in practically zero extra cash, you can petition for Chapter 7 bankruptcy. On the off chance that your costs are not exactly your net gain, you likely can’t record a Chapter 7 (the “assumption of maltreatment” emerges).

While this may appear to be basic enough to decide, endure as a top priority that the “esteem” of a given cost relies upon various confused recipes. Therefore, it is critical to talk with an accomplished bankruptcy lawyer before going in any direction. The Chapter 7 Means Test decides whether your normal month to month pay is above or beneath the middle salary for a group of your size in Utah.

At the point when Congress changed the bankruptcy laws in 2005, salary prerequisites were added to counteract bankruptcy misuse. You can document under Chapter 7, yet on the off chance that your pay surpasses a specific sum in Utah, you are not qualified for a bankruptcy release. You ought not just consider in case you’re qualified for recording in Utah yet additionally whether you ought to in any case. Numerous law offices and different organizations started utilizing a Chapter 7 Means Test number cruncher to play out a fast investigation of an individual’s salary. In the event that the individual breezes through the test, the person can document a Chapter 7. You can likewise utilize the graph beneath to check whether you breeze through the methods test for Utah. Utah Median Income Standards for Means Test for Cases Filed On or After May 1, 2019:

1 family unit member    $5,211.25 (monthly amount)      $62,535.00 (annually amount)

2 family unit member    $5,689.08                                             $68,269.00

3 family unit member    $6,548.42                                            $78,581.00

4 family unit member    $7,402.92                                             $88,835.00

5 family unit member    $8,152.92                                             $97,835.00

6 family unit member    $8,902.92                                             $106,835.00

7 family unit member    $9,652.92                                             $115,835.00

8 family unit member    $10,402.92                                           $124,835.00

9 family unit member    $11,152.92                                           $133,835.00

10 family unit member  $11,902.92                                           $142,835.00

A bankruptcy release is the objective of documenting a bankruptcy case. Your release is the thing that takes out your legitimate commitment to reimburse the obligation. A lender can’t gather any obligation that is released in your bankruptcy case. Hence, it is significant that you utilize a Chapter 7 Means Test number cruncher that gives the right figures. You need to record a Chapter 7 if conceivable in light of the fact that you can be sans obligation inside four to a half year subsequent to documenting. The procedure starts with a Chapter 7 Means Test number cruncher that helps people in Utah.

The Bankruptcy Court gives the structures to the Means Test on its site. Notwithstanding the structures, the court gives guidelines on the best way to finish the structures. Despite the fact that you can utilize a Chapter 7 Means Test mini-computer, you should finish the Means Test that the court utilizes for Chapter 7 cases. Notwithstanding finishing the structure, you should likewise submit duplicates of your compensation advices for a half year. Pay advices are your compensation stubs or duplicates of other proof of your pay. The compensation advices must demonstrate your gross pay, all findings, and net gain for each payroll interval. The compensation advices are found the middle value of more than a half year to land at your normal month to month salary.

Numerous people finish the Means Test on the main area. In the event that you have to finish the second area, you need data about your month to month costs. You need to be cautious when finishing your month to month costs. You can just utilize the costs permitted by law. Moreover, a few costs are constrained. You can get to a rundown of the costs and current cutoff points on the site for the United States Trustee. The cutoff pay for documenting Chapter 7 is the middle sum a family your size makes in your state. This number will change every once in a while, yet as of September 2017, Utah’s middle pay for a solitary individual was $56,638. For a two-man family, it was $62,903, and for a group of three it went up to $71,047.

In the event that the sum you acquired in the course of recent months is unreasonably high for you to be qualified for Chapter 7 bankruptcy in Utah, don’t stress – you can in any case document Chapter 13. (Sometimes, you may in any case be qualified for Chapter 7, however that should be surveyed with your attorney on a case-by-case premise.) Honestly, Chapter 13 can be a considerably more attractive choice at any rate, and regardless of whether you do fit the bill for Chapter 7 you may go this course. This is on the grounds that you hazard losing pivotal resources, for example, your home and vehicle with a Chapter 7, yet with a Chapter 13 you get the opportunity to keep basically all that you as of now have with no danger of seizure. Because of the 2005 bankruptcy law changes, the obligation you really need to pay is only a small amount of the sum you right now owe. This means, through the union program set forth by Chapter 13 bankruptcy, you will pay less both on a month to month premise and over the long haul. What’s more, recollect, regardless of the regularly scheduled installment you set up, it is continually going to be not exactly having your wages garnished.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law LLC at [phone] for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: [phone]

Ascent Law LLC

4.9 stars – based on 67 reviews

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Source: https://www.ascentlawfirm.com/how-do-i-know-if-i-qualify-for-chapter-7/

[michaeljames1221]

How Do I Know If I Qualify For Chapter 7?

On the off chance that you are trying to get rid of your debt, you may not realize where to turn. The first thing you should do is call a Chapter 7 Lawyer who can give you a free consultation.

If you have taken a stab at all that you can consider to recover financially monetarily, yet nothing has worked. Have you considered the kinds of insolvencies that may enable you to escape obligation and in a good place again? Your loan bosses are calling each day, and you abhor checking the letter drop because of a paranoid fear of accepting notification of an obligation gathering claim. Have you considered the sorts of liquidations that may stop loan boss provocation and delinquent payment accumulations? You have heard that bankruptcy may help, yet you don’t know of the sorts of bankruptcy accessible for you. Do you fit the bill to record Chapter 7? Would it be a good idea for you to document Chapter 13? What sorts of insolvencies would you be able to record? The different kinds of liquidations accessible to people depend on the capabilities for every chapter of bankruptcy. The Bankruptcy Code presents the capabilities for every chapter of bankruptcy. People may record under the accompanying kinds of insolvencies:

Chapter 7 — Liquidation Bankruptcy1

Chapter 13 — Repayment Plan2

Chapter 11 — Large Reorganization

Chapter 12 — Family Farmers

Chapter 15 — Used In Foreign Cases

1-2 The two most basic kinds of bankruptcy for people in Utah are Chapter 7 and Chapter 13.

One of the kinds of liquidations that you should seriously think about documenting is a Chapter 13 case. A Chapter 13 case is a reimbursement plan. You should pay in any event a part of the sum you owe to unbound loan bosses to a Chapter 13 trustee. These sorts of liquidations can enable an account holder to keep their home and vehicle in the event that they are behind on the credit installments. Be that as it may, these sorts of insolvencies are considerably more hard to document contrasted with different kinds of liquidations. A Chapter 7 bankruptcy case is a liquidation bankruptcy case. A Chapter 7 trustee is named by the court to regulate the case. On the off chance that the bankruptcy trustee recognizes resources that have non-absolved value, these benefits might be sold by the Chapter 7 trustee to pay debts without collateral. Most Chapter 7 cases are no-benefit cases. In a Chapter 7 no-advantage case, the account holder keeps all his or her property. These sorts of insolvencies are considerably more typical than Chapter 7 cases that are viewed as resource cases. Hence, most indebted individuals document Chapter 7 and don’t lose any property, however they dispose of thousands of dollars in uncollateralized debts.

On the off chance that you are attempting to reimburse your obligations, a Chapter 7 bankruptcy case can give you opportunity from those obligations. Seeking financial protection help enables you to dispose of the obligations you can’t pay so you can modify your accounts. You keep your property with the goal that you can push ahead realizing you have what you have to accommodate yourself and your family. A Chapter 7 case stops bank badgering and obligation accumulation. It doesn’t make a difference why you need bankruptcy help. The bankruptcy court does not condemn indebted individuals when they document any of the sorts of liquidations accessible under the law. Some normal reasons individuals seek financial protection help incorporate joblessness, separate, diminished pay, business disappointment, doctor’s visit expenses, unplanned damage, and loss of a relative. You have a similar appropriate to declare financial insolvency help as some other individual. On the off chance that you have been experiencing pressure related medical issues, declaring financial insolvency alleviation can diminish the pressure. It is anything but difficult to check whether you qualify. Chapter 7 bankruptcy gives careful alleviation from obligation by clearing out most uncollateralized debt and enabling the account holder to have a new beginning. To keep customers from mishandling the framework, be that as it may, Congress has given qualification prerequisites to documenting a Chapter 7 case. Here are the primary necessities to meet all requirements for Chapter 7 bankruptcy help. On the off chance that you documented a Chapter 7 request and got a release previously, you should hold up eight years from the recording date of the past bankruptcy before documenting another.

On the off chance that you documented a past Chapter 7 case yet did not finish the case and did not get a release, you may record another Chapter 7 whenever, gave the court in the past case did not banish you from recording again and you generally meets all requirements for Chapter 7. In the event that you recently documented and got a release in a Chapter 13 bankruptcy case, you should hold up six years from the date that Chapter 13 was recorded before petitioning for Chapter 7. In the event that you didn’t finish or get a release in the past Chapter 13 case, you can document a Chapter 7 case whenever accepting you generally qualified for Chapter 7.

Before you document for Chapter 7 bankruptcy, you should finish a prebankruptcy credit advising course led by an affirmed organization. You should finish this course inside a half year before the date you seek financial protection. When the directing is finished, you will get an endorsement that you should document with the court.

With the establishment of the Bankruptcy Abuse and Consumer Protection Act of 2005 (“BAPCA”), bankruptcy account holders are presently required to pass a “signifies test” so as to meet all requirements for Chapter 7 bankruptcy. Peruse on to become familiar with whether you fit the bill to petition for Chapter 7 bankruptcy. So as to finish the methods test, you should have next to zero discretionary cashflow. To decide if you fit the bill for Chapter 7 bankruptcy, the methods test looks at your normal month to month salary for the half year time frame going before your bankruptcy against the middle pay of a comparative family unit in your state. On the off chance that your pay is beneath the middle, you consequently qualify. While the middle pay figures change from state to express (my very own area in Utah , right now has a middle salary limit of $41,065 for a family unit of one). As a rule, individuals who are having money related challenges are making almost no salary so the methods test does not represent an issue. Be that as it may, what occurs if your pay is over your state’s middle? Numerous indebted individuals feel that such a situation speaks to the endgame for them, that it is extremely unlikely they can record a Chapter 7 bankruptcy with their pay being so high. This isn’t really valid. On the off chance that your salary is above middle, you should finish the whole methods test structure as opposed to qualifying basically dependent on your pay. The methods test is basically an adjusting stage where your costs are weighed against your pay. In any case, remember that you can just utilize your genuine costs for specific things. For some costs, the methods test just enables you to deduct the national or neighborhood standard living recompense.

On the off chance that deducting every single suitable cost from your pay results in practically zero extra cash, you can petition for Chapter 7 bankruptcy. On the off chance that your costs are not exactly your net gain, you likely can’t record a Chapter 7 (the “assumption of maltreatment” emerges).

While this may appear to be basic enough to decide, endure as a top priority that the “esteem” of a given cost relies upon various confused recipes. Therefore, it is critical to talk with an accomplished bankruptcy lawyer before going in any direction. The Chapter 7 Means Test decides whether your normal month to month pay is above or beneath the middle salary for a group of your size in Utah.

At the point when Congress changed the bankruptcy laws in 2005, salary prerequisites were added to counteract bankruptcy misuse. You can document under Chapter 7, yet on the off chance that your pay surpasses a specific sum in Utah, you are not qualified for a bankruptcy release. You ought not just consider in case you’re qualified for recording in Utah yet additionally whether you ought to in any case. Numerous law offices and different organizations started utilizing a Chapter 7 Means Test number cruncher to play out a fast investigation of an individual’s salary. In the event that the individual breezes through the test, the person can document a Chapter 7. You can likewise utilize the graph beneath to check whether you breeze through the methods test for Utah. Utah Median Income Standards for Means Test for Cases Filed On or After May 1, 2019:

1 family unit member    $5,211.25 (monthly amount)      $62,535.00 (annually amount)

2 family unit member    $5,689.08                                             $68,269.00

3 family unit member    $6,548.42                                            $78,581.00

4 family unit member    $7,402.92                                             $88,835.00

5 family unit member    $8,152.92                                             $97,835.00

6 family unit member    $8,902.92                                             $106,835.00

7 family unit member    $9,652.92                                             $115,835.00

8 family unit member    $10,402.92                                           $124,835.00

9 family unit member    $11,152.92                                           $133,835.00

10 family unit member  $11,902.92                                           $142,835.00

A bankruptcy release is the objective of documenting a bankruptcy case. Your release is the thing that takes out your legitimate commitment to reimburse the obligation. A lender can’t gather any obligation that is released in your bankruptcy case. Hence, it is significant that you utilize a Chapter 7 Means Test number cruncher that gives the right figures. You need to record a Chapter 7 if conceivable in light of the fact that you can be sans obligation inside four to a half year subsequent to documenting. The procedure starts with a Chapter 7 Means Test number cruncher that helps people in Utah.

The Bankruptcy Court gives the structures to the Means Test on its site. Notwithstanding the structures, the court gives guidelines on the best way to finish the structures. Despite the fact that you can utilize a Chapter 7 Means Test mini-computer, you should finish the Means Test that the court utilizes for Chapter 7 cases. Notwithstanding finishing the structure, you should likewise submit duplicates of your compensation advices for a half year. Pay advices are your compensation stubs or duplicates of other proof of your pay. The compensation advices must demonstrate your gross pay, all findings, and net gain for each payroll interval. The compensation advices are found the middle value of more than a half year to land at your normal month to month salary.

Numerous people finish the Means Test on the main area. In the event that you have to finish the second area, you need data about your month to month costs. You need to be cautious when finishing your month to month costs. You can just utilize the costs permitted by law. Moreover, a few costs are constrained. You can get to a rundown of the costs and current cutoff points on the site for the United States Trustee. The cutoff pay for documenting Chapter 7 is the middle sum a family your size makes in your state. This number will change every once in a while, yet as of September 2017, Utah’s middle pay for a solitary individual was $56,638. For a two-man family, it was $62,903, and for a group of three it went up to $71,047.

In the event that the sum you acquired in the course of recent months is unreasonably high for you to be qualified for Chapter 7 bankruptcy in Utah, don’t stress – you can in any case document Chapter 13. (Sometimes, you may in any case be qualified for Chapter 7, however that should be surveyed with your attorney on a case-by-case premise.) Honestly, Chapter 13 can be a considerably more attractive choice at any rate, and regardless of whether you do fit the bill for Chapter 7 you may go this course. This is on the grounds that you hazard losing pivotal resources, for example, your home and vehicle with a Chapter 7, yet with a Chapter 13 you get the opportunity to keep basically all that you as of now have with no danger of seizure. Because of the 2005 bankruptcy law changes, the obligation you really need to pay is only a small amount of the sum you right now owe. This means, through the union program set forth by Chapter 13 bankruptcy, you will pay less both on a month to month premise and over the long haul. What’s more, recollect, regardless of the regularly scheduled installment you set up, it is continually going to be not exactly having your wages garnished.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law LLC at [phone] for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: [phone]

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Real Estate Lawyer Bountiful Utah

How Long Do You Have To Be Separated Before Divorce?

Why Use A Lawyer?

Dating After Divorce

Probate Lawyer Farmington Utah

Fighting The Lure Of Tax Havens

from Michael Anderson https://www.ascentlawfirm.com/how-do-i-know-if-i-qualify-for-chapter-7/

from Criminal Defense Lawyer West Jordan Utah https://criminaldefenselawyerwestjordanutah.wordpress.com/2019/10/08/how-do-i-know-if-i-qualify-for-chapter-7/

[aretia]

How Do I Know If I Qualify For Chapter 7?

On the off chance that you are trying to get rid of your debt, you may not realize where to turn. The first thing you should do is call a Chapter 7 Lawyer who can give you a free consultation.

If you have taken a stab at all that you can consider to recover financially monetarily, yet nothing has worked. Have you considered the kinds of insolvencies that may enable you to escape obligation and in a good place again? Your loan bosses are calling each day, and you abhor checking the letter drop because of a paranoid fear of accepting notification of an obligation gathering claim. Have you considered the sorts of liquidations that may stop loan boss provocation and delinquent payment accumulations? You have heard that bankruptcy may help, yet you don’t know of the sorts of bankruptcy accessible for you. Do you fit the bill to record Chapter 7? Would it be a good idea for you to document Chapter 13? What sorts of insolvencies would you be able to record? The different kinds of liquidations accessible to people depend on the capabilities for every chapter of bankruptcy. The Bankruptcy Code presents the capabilities for every chapter of bankruptcy. People may record under the accompanying kinds of insolvencies:

Chapter 7 — Liquidation Bankruptcy1

Chapter 13 — Repayment Plan2

Chapter 11 — Large Reorganization

Chapter 12 — Family Farmers

Chapter 15 — Used In Foreign Cases

1-2 The two most basic kinds of bankruptcy for people in Utah are Chapter 7 and Chapter 13.

One of the kinds of liquidations that you should seriously think about documenting is a Chapter 13 case. A Chapter 13 case is a reimbursement plan. You should pay in any event a part of the sum you owe to unbound loan bosses to a Chapter 13 trustee. These sorts of liquidations can enable an account holder to keep their home and vehicle in the event that they are behind on the credit installments. Be that as it may, these sorts of insolvencies are considerably more hard to document contrasted with different kinds of liquidations. A Chapter 7 bankruptcy case is a liquidation bankruptcy case. A Chapter 7 trustee is named by the court to regulate the case. On the off chance that the bankruptcy trustee recognizes resources that have non-absolved value, these benefits might be sold by the Chapter 7 trustee to pay debts without collateral. Most Chapter 7 cases are no-benefit cases. In a Chapter 7 no-advantage case, the account holder keeps all his or her property. These sorts of insolvencies are considerably more typical than Chapter 7 cases that are viewed as resource cases. Hence, most indebted individuals document Chapter 7 and don’t lose any property, however they dispose of thousands of dollars in uncollateralized debts.

On the off chance that you are attempting to reimburse your obligations, a Chapter 7 bankruptcy case can give you opportunity from those obligations. Seeking financial protection help enables you to dispose of the obligations you can’t pay so you can modify your accounts. You keep your property with the goal that you can push ahead realizing you have what you have to accommodate yourself and your family. A Chapter 7 case stops bank badgering and obligation accumulation. It doesn’t make a difference why you need bankruptcy help. The bankruptcy court does not condemn indebted individuals when they document any of the sorts of liquidations accessible under the law. Some normal reasons individuals seek financial protection help incorporate joblessness, separate, diminished pay, business disappointment, doctor’s visit expenses, unplanned damage, and loss of a relative. You have a similar appropriate to declare financial insolvency help as some other individual. On the off chance that you have been experiencing pressure related medical issues, declaring financial insolvency alleviation can diminish the pressure. It is anything but difficult to check whether you qualify. Chapter 7 bankruptcy gives careful alleviation from obligation by clearing out most uncollateralized debt and enabling the account holder to have a new beginning. To keep customers from mishandling the framework, be that as it may, Congress has given qualification prerequisites to documenting a Chapter 7 case. Here are the primary necessities to meet all requirements for Chapter 7 bankruptcy help. On the off chance that you documented a Chapter 7 request and got a release previously, you should hold up eight years from the recording date of the past bankruptcy before documenting another.

On the off chance that you documented a past Chapter 7 case yet did not finish the case and did not get a release, you may record another Chapter 7 whenever, gave the court in the past case did not banish you from recording again and you generally meets all requirements for Chapter 7. In the event that you recently documented and got a release in a Chapter 13 bankruptcy case, you should hold up six years from the date that Chapter 13 was recorded before petitioning for Chapter 7. In the event that you didn’t finish or get a release in the past Chapter 13 case, you can document a Chapter 7 case whenever accepting you generally qualified for Chapter 7.

Before you document for Chapter 7 bankruptcy, you should finish a prebankruptcy credit advising course led by an affirmed organization. You should finish this course inside a half year before the date you seek financial protection. When the directing is finished, you will get an endorsement that you should document with the court.

With the establishment of the Bankruptcy Abuse and Consumer Protection Act of 2005 (“BAPCA”), bankruptcy account holders are presently required to pass a “signifies test” so as to meet all requirements for Chapter 7 bankruptcy. Peruse on to become familiar with whether you fit the bill to petition for Chapter 7 bankruptcy. So as to finish the methods test, you should have next to zero discretionary cashflow. To decide if you fit the bill for Chapter 7 bankruptcy, the methods test looks at your normal month to month salary for the half year time frame going before your bankruptcy against the middle pay of a comparative family unit in your state. On the off chance that your pay is beneath the middle, you consequently qualify. While the middle pay figures change from state to express (my very own area in Utah , right now has a middle salary limit of $41,065 for a family unit of one). As a rule, individuals who are having money related challenges are making almost no salary so the methods test does not represent an issue. Be that as it may, what occurs if your pay is over your state’s middle? Numerous indebted individuals feel that such a situation speaks to the endgame for them, that it is extremely unlikely they can record a Chapter 7 bankruptcy with their pay being so high. This isn’t really valid. On the off chance that your salary is above middle, you should finish the whole methods test structure as opposed to qualifying basically dependent on your pay. The methods test is basically an adjusting stage where your costs are weighed against your pay. In any case, remember that you can just utilize your genuine costs for specific things. For some costs, the methods test just enables you to deduct the national or neighborhood standard living recompense.

On the off chance that deducting every single suitable cost from your pay results in practically zero extra cash, you can petition for Chapter 7 bankruptcy. On the off chance that your costs are not exactly your net gain, you likely can’t record a Chapter 7 (the “assumption of maltreatment” emerges).

While this may appear to be basic enough to decide, endure as a top priority that the “esteem” of a given cost relies upon various confused recipes. Therefore, it is critical to talk with an accomplished bankruptcy lawyer before going in any direction. The Chapter 7 Means Test decides whether your normal month to month pay is above or beneath the middle salary for a group of your size in Utah.

At the point when Congress changed the bankruptcy laws in 2005, salary prerequisites were added to counteract bankruptcy misuse. You can document under Chapter 7, yet on the off chance that your pay surpasses a specific sum in Utah, you are not qualified for a bankruptcy release. You ought not just consider in case you’re qualified for recording in Utah yet additionally whether you ought to in any case. Numerous law offices and different organizations started utilizing a Chapter 7 Means Test number cruncher to play out a fast investigation of an individual’s salary. In the event that the individual breezes through the test, the person can document a Chapter 7. You can likewise utilize the graph beneath to check whether you breeze through the methods test for Utah. Utah Median Income Standards for Means Test for Cases Filed On or After May 1, 2019:

1 family unit member    $5,211.25 (monthly amount)      $62,535.00 (annually amount)

2 family unit member    $5,689.08                                             $68,269.00

3 family unit member    $6,548.42                                            $78,581.00

4 family unit member    $7,402.92                                             $88,835.00

5 family unit member    $8,152.92                                             $97,835.00

6 family unit member    $8,902.92                                             $106,835.00

7 family unit member    $9,652.92                                             $115,835.00

8 family unit member    $10,402.92                                           $124,835.00

9 family unit member    $11,152.92                                           $133,835.00

10 family unit member  $11,902.92                                           $142,835.00

A bankruptcy release is the objective of documenting a bankruptcy case. Your release is the thing that takes out your legitimate commitment to reimburse the obligation. A lender can’t gather any obligation that is released in your bankruptcy case. Hence, it is significant that you utilize a Chapter 7 Means Test number cruncher that gives the right figures. You need to record a Chapter 7 if conceivable in light of the fact that you can be sans obligation inside four to a half year subsequent to documenting. The procedure starts with a Chapter 7 Means Test number cruncher that helps people in Utah.

The Bankruptcy Court gives the structures to the Means Test on its site. Notwithstanding the structures, the court gives guidelines on the best way to finish the structures. Despite the fact that you can utilize a Chapter 7 Means Test mini-computer, you should finish the Means Test that the court utilizes for Chapter 7 cases. Notwithstanding finishing the structure, you should likewise submit duplicates of your compensation advices for a half year. Pay advices are your compensation stubs or duplicates of other proof of your pay. The compensation advices must demonstrate your gross pay, all findings, and net gain for each payroll interval. The compensation advices are found the middle value of more than a half year to land at your normal month to month salary.

Numerous people finish the Means Test on the main area. In the event that you have to finish the second area, you need data about your month to month costs. You need to be cautious when finishing your month to month costs. You can just utilize the costs permitted by law. Moreover, a few costs are constrained. You can get to a rundown of the costs and current cutoff points on the site for the United States Trustee. The cutoff pay for documenting Chapter 7 is the middle sum a family your size makes in your state. This number will change every once in a while, yet as of September 2017, Utah’s middle pay for a solitary individual was $56,638. For a two-man family, it was $62,903, and for a group of three it went up to $71,047.

In the event that the sum you acquired in the course of recent months is unreasonably high for you to be qualified for Chapter 7 bankruptcy in Utah, don’t stress – you can in any case document Chapter 13. (Sometimes, you may in any case be qualified for Chapter 7, however that should be surveyed with your attorney on a case-by-case premise.) Honestly, Chapter 13 can be a considerably more attractive choice at any rate, and regardless of whether you do fit the bill for Chapter 7 you may go this course. This is on the grounds that you hazard losing pivotal resources, for example, your home and vehicle with a Chapter 7, yet with a Chapter 13 you get the opportunity to keep basically all that you as of now have with no danger of seizure. Because of the 2005 bankruptcy law changes, the obligation you really need to pay is only a small amount of the sum you right now owe. This means, through the union program set forth by Chapter 13 bankruptcy, you will pay less both on a month to month premise and over the long haul. What’s more, recollect, regardless of the regularly scheduled installment you set up, it is continually going to be not exactly having your wages garnished.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law LLC at [phone] for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: [phone]

Ascent Law LLC

4.9 stars – based on 67 reviews

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Source: https://www.ascentlawfirm.com/how-do-i-know-if-i-qualify-for-chapter-7/

[mayarosa47]

How Do I Know If I Qualify For Chapter 7?

On the off chance that you are trying to get rid of your debt, you may not realize where to turn. The first thing you should do is call a Chapter 7 Lawyer who can give you a free consultation. If you have taken a stab at all that you can consider to recover financially monetarily, yet nothing has worked. Have you considered the kinds of insolvencies that may enable you to escape obligation and in a good place again? Your loan bosses are calling each day, and you abhor checking the letter drop because of a paranoid fear of accepting notification of an obligation gathering claim. Have you considered the sorts of liquidations that may stop loan boss provocation and delinquent payment accumulations? You have heard that bankruptcy may help, yet you don’t know of the sorts of bankruptcy accessible for you. Do you fit the bill to record Chapter 7? Would it be a good idea for you to document Chapter 13? What sorts of insolvencies would you be able to record? The different kinds of liquidations accessible to people depend on the capabilities for every chapter of bankruptcy. The Bankruptcy Code presents the capabilities for every chapter of bankruptcy. People may record under the accompanying kinds of insolvencies:

Chapter 7 — Liquidation Bankruptcy1

Chapter 13 — Repayment Plan2

Chapter 11 — Large Reorganization

Chapter 12 — Family Farmers

Chapter 15 — Used In Foreign Cases

1-2 The two most basic kinds of bankruptcy for people in Utah are Chapter 7 and Chapter 13.

One of the kinds of liquidations that you should seriously think about documenting is a Chapter 13 case. A Chapter 13 case is a reimbursement plan. You should pay in any event a part of the sum you owe to unbound loan bosses to a Chapter 13 trustee. These sorts of liquidations can enable an account holder to keep their home and vehicle in the event that they are behind on the credit installments. Be that as it may, these sorts of insolvencies are considerably more hard to document contrasted with different kinds of liquidations. A Chapter 7 bankruptcy case is a liquidation bankruptcy case. A Chapter 7 trustee is named by the court to regulate the case. On the off chance that the bankruptcy trustee recognizes resources that have non-absolved value, these benefits might be sold by the Chapter 7 trustee to pay debts without collateral. Most Chapter 7 cases are no-benefit cases. In a Chapter 7 no-advantage case, the account holder keeps all his or her property. These sorts of insolvencies are considerably more typical than Chapter 7 cases that are viewed as resource cases. Hence, most indebted individuals document Chapter 7 and don’t lose any property, however they dispose of thousands of dollars in uncollateralized debts.

On the off chance that you are attempting to reimburse your obligations, a Chapter 7 bankruptcy case can give you opportunity from those obligations. Seeking financial protection help enables you to dispose of the obligations you can’t pay so you can modify your accounts. You keep your property with the goal that you can push ahead realizing you have what you have to accommodate yourself and your family. A Chapter 7 case stops bank badgering and obligation accumulation. It doesn’t make a difference why you need bankruptcy help. The bankruptcy court does not condemn indebted individuals when they document any of the sorts of liquidations accessible under the law. Some normal reasons individuals seek financial protection help incorporate joblessness, separate, diminished pay, business disappointment, doctor’s visit expenses, unplanned damage, and loss of a relative. You have a similar appropriate to declare financial insolvency help as some other individual. On the off chance that you have been experiencing pressure related medical issues, declaring financial insolvency alleviation can diminish the pressure. It is anything but difficult to check whether you qualify. Chapter 7 bankruptcy gives careful alleviation from obligation by clearing out most uncollateralized debt and enabling the account holder to have a new beginning. To keep customers from mishandling the framework, be that as it may, Congress has given qualification prerequisites to documenting a Chapter 7 case. Here are the primary necessities to meet all requirements for Chapter 7 bankruptcy help. On the off chance that you documented a Chapter 7 request and got a release previously, you should hold up eight years from the recording date of the past bankruptcy before documenting another.

On the off chance that you documented a past Chapter 7 case yet did not finish the case and did not get a release, you may record another Chapter 7 whenever, gave the court in the past case did not banish you from recording again and you generally meets all requirements for Chapter 7. In the event that you recently documented and got a release in a Chapter 13 bankruptcy case, you should hold up six years from the date that Chapter 13 was recorded before petitioning for Chapter 7. In the event that you didn’t finish or get a release in the past Chapter 13 case, you can document a Chapter 7 case whenever accepting you generally qualified for Chapter 7.

Before you document for Chapter 7 bankruptcy, you should finish a prebankruptcy credit advising course led by an affirmed organization. You should finish this course inside a half year before the date you seek financial protection. When the directing is finished, you will get an endorsement that you should document with the court.

With the establishment of the Bankruptcy Abuse and Consumer Protection Act of 2005 (“BAPCA”), bankruptcy account holders are presently required to pass a “signifies test” so as to meet all requirements for Chapter 7 bankruptcy. Peruse on to become familiar with whether you fit the bill to petition for Chapter 7 bankruptcy. So as to finish the methods test, you should have next to zero discretionary cashflow. To decide if you fit the bill for Chapter 7 bankruptcy, the methods test looks at your normal month to month salary for the half year time frame going before your bankruptcy against the middle pay of a comparative family unit in your state. On the off chance that your pay is beneath the middle, you consequently qualify. While the middle pay figures change from state to express (my very own area in Utah , right now has a middle salary limit of $41,065 for a family unit of one). As a rule, individuals who are having money related challenges are making almost no salary so the methods test does not represent an issue. Be that as it may, what occurs if your pay is over your state’s middle? Numerous indebted individuals feel that such a situation speaks to the endgame for them, that it is extremely unlikely they can record a Chapter 7 bankruptcy with their pay being so high. This isn’t really valid. On the off chance that your salary is above middle, you should finish the whole methods test structure as opposed to qualifying basically dependent on your pay. The methods test is basically an adjusting stage where your costs are weighed against your pay. In any case, remember that you can just utilize your genuine costs for specific things. For some costs, the methods test just enables you to deduct the national or neighborhood standard living recompense.

On the off chance that deducting every single suitable cost from your pay results in practically zero extra cash, you can petition for Chapter 7 bankruptcy. On the off chance that your costs are not exactly your net gain, you likely can’t record a Chapter 7 (the “assumption of maltreatment” emerges).

While this may appear to be basic enough to decide, endure as a top priority that the “esteem” of a given cost relies upon various confused recipes. Therefore, it is critical to talk with an accomplished bankruptcy lawyer before going in any direction. The Chapter 7 Means Test decides whether your normal month to month pay is above or beneath the middle salary for a group of your size in Utah.

At the point when Congress changed the bankruptcy laws in 2005, salary prerequisites were added to counteract bankruptcy misuse. You can document under Chapter 7, yet on the off chance that your pay surpasses a specific sum in Utah, you are not qualified for a bankruptcy release. You ought not just consider in case you’re qualified for recording in Utah yet additionally whether you ought to in any case. Numerous law offices and different organizations started utilizing a Chapter 7 Means Test number cruncher to play out a fast investigation of an individual’s salary. In the event that the individual breezes through the test, the person can document a Chapter 7. You can likewise utilize the graph beneath to check whether you breeze through the methods test for Utah. Utah Median Income Standards for Means Test for Cases Filed On or After May 1, 2019:

1 family unit member    $5,211.25 (monthly amount)      $62,535.00 (annually amount)

2 family unit member    $5,689.08                                             $68,269.00

3 family unit member    $6,548.42                                            $78,581.00

4 family unit member    $7,402.92                                             $88,835.00

5 family unit member    $8,152.92                                             $97,835.00

6 family unit member    $8,902.92                                             $106,835.00

7 family unit member    $9,652.92                                             $115,835.00

8 family unit member    $10,402.92                                           $124,835.00

9 family unit member    $11,152.92                                           $133,835.00

10 family unit member  $11,902.92                                           $142,835.00

A bankruptcy release is the objective of documenting a bankruptcy case. Your release is the thing that takes out your legitimate commitment to reimburse the obligation. A lender can’t gather any obligation that is released in your bankruptcy case. Hence, it is significant that you utilize a Chapter 7 Means Test number cruncher that gives the right figures. You need to record a Chapter 7 if conceivable in light of the fact that you can be sans obligation inside four to a half year subsequent to documenting. The procedure starts with a Chapter 7 Means Test number cruncher that helps people in Utah.

The Bankruptcy Court gives the structures to the Means Test on its site. Notwithstanding the structures, the court gives guidelines on the best way to finish the structures. Despite the fact that you can utilize a Chapter 7 Means Test mini-computer, you should finish the Means Test that the court utilizes for Chapter 7 cases. Notwithstanding finishing the structure, you should likewise submit duplicates of your compensation advices for a half year. Pay advices are your compensation stubs or duplicates of other proof of your pay. The compensation advices must demonstrate your gross pay, all findings, and net gain for each payroll interval. The compensation advices are found the middle value of more than a half year to land at your normal month to month salary.

Numerous people finish the Means Test on the main area. In the event that you have to finish the second area, you need data about your month to month costs. You need to be cautious when finishing your month to month costs. You can just utilize the costs permitted by law. Moreover, a few costs are constrained. You can get to a rundown of the costs and current cutoff points on the site for the United States Trustee. The cutoff pay for documenting Chapter 7 is the middle sum a family your size makes in your state. This number will change every once in a while, yet as of September 2017, Utah’s middle pay for a solitary individual was $56,638. For a two-man family, it was $62,903, and for a group of three it went up to $71,047.

In the event that the sum you acquired in the course of recent months is unreasonably high for you to be qualified for Chapter 7 bankruptcy in Utah, don’t stress – you can in any case document Chapter 13. (Sometimes, you may in any case be qualified for Chapter 7, however that should be surveyed with your attorney on a case-by-case premise.) Honestly, Chapter 13 can be a considerably more attractive choice at any rate, and regardless of whether you do fit the bill for Chapter 7 you may go this course. This is on the grounds that you hazard losing pivotal resources, for example, your home and vehicle with a Chapter 7, yet with a Chapter 13 you get the opportunity to keep basically all that you as of now have with no danger of seizure. Because of the 2005 bankruptcy law changes, the obligation you really need to pay is only a small amount of the sum you right now owe. This means, through the union program set forth by Chapter 13 bankruptcy, you will pay less both on a month to month premise and over the long haul. What’s more, recollect, regardless of the regularly scheduled installment you set up, it is continually going to be not exactly having your wages garnished.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law LLC at [phone] for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: [phone]

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Real Estate Lawyer Bountiful Utah

How Long Do You Have To Be Separated Before Divorce?

Why Use A Lawyer?

Dating After Divorce

Probate Lawyer Farmington Utah

Fighting The Lure Of Tax Havens

from https://www.ascentlawfirm.com/how-do-i-know-if-i-qualify-for-chapter-7/

from Criminal Defense Lawyer West Jordan Utah - Blog http://criminaldefenselawyerwestjordanutah.weebly.com/blog/how-do-i-know-if-i-qualify-for-chapter-7

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How Do I Know If I Qualify For Chapter 7?

On the off chance that you are trying to get rid of your debt, you may not realize where to turn. The first thing you should do is call a Chapter 7 Lawyer who can give you a free consultation.

If you have taken a stab at all that you can consider to recover financially monetarily, yet nothing has worked. Have you considered the kinds of insolvencies that may enable you to escape obligation and in a good place again? Your loan bosses are calling each day, and you abhor checking the letter drop because of a paranoid fear of accepting notification of an obligation gathering claim. Have you considered the sorts of liquidations that may stop loan boss provocation and delinquent payment accumulations? You have heard that bankruptcy may help, yet you don’t know of the sorts of bankruptcy accessible for you. Do you fit the bill to record Chapter 7? Would it be a good idea for you to document Chapter 13? What sorts of insolvencies would you be able to record? The different kinds of liquidations accessible to people depend on the capabilities for every chapter of bankruptcy. The Bankruptcy Code presents the capabilities for every chapter of bankruptcy. People may record under the accompanying kinds of insolvencies:

Chapter 7 — Liquidation Bankruptcy1

Chapter 13 — Repayment Plan2

Chapter 11 — Large Reorganization

Chapter 12 — Family Farmers

Chapter 15 — Used In Foreign Cases

1-2 The two most basic kinds of bankruptcy for people in Utah are Chapter 7 and Chapter 13.

One of the kinds of liquidations that you should seriously think about documenting is a Chapter 13 case. A Chapter 13 case is a reimbursement plan. You should pay in any event a part of the sum you owe to unbound loan bosses to a Chapter 13 trustee. These sorts of liquidations can enable an account holder to keep their home and vehicle in the event that they are behind on the credit installments. Be that as it may, these sorts of insolvencies are considerably more hard to document contrasted with different kinds of liquidations. A Chapter 7 bankruptcy case is a liquidation bankruptcy case. A Chapter 7 trustee is named by the court to regulate the case. On the off chance that the bankruptcy trustee recognizes resources that have non-absolved value, these benefits might be sold by the Chapter 7 trustee to pay debts without collateral. Most Chapter 7 cases are no-benefit cases. In a Chapter 7 no-advantage case, the account holder keeps all his or her property. These sorts of insolvencies are considerably more typical than Chapter 7 cases that are viewed as resource cases. Hence, most indebted individuals document Chapter 7 and don’t lose any property, however they dispose of thousands of dollars in uncollateralized debts.

On the off chance that you are attempting to reimburse your obligations, a Chapter 7 bankruptcy case can give you opportunity from those obligations. Seeking financial protection help enables you to dispose of the obligations you can’t pay so you can modify your accounts. You keep your property with the goal that you can push ahead realizing you have what you have to accommodate yourself and your family. A Chapter 7 case stops bank badgering and obligation accumulation. It doesn’t make a difference why you need bankruptcy help. The bankruptcy court does not condemn indebted individuals when they document any of the sorts of liquidations accessible under the law. Some normal reasons individuals seek financial protection help incorporate joblessness, separate, diminished pay, business disappointment, doctor’s visit expenses, unplanned damage, and loss of a relative. You have a similar appropriate to declare financial insolvency help as some other individual. On the off chance that you have been experiencing pressure related medical issues, declaring financial insolvency alleviation can diminish the pressure. It is anything but difficult to check whether you qualify. Chapter 7 bankruptcy gives careful alleviation from obligation by clearing out most uncollateralized debt and enabling the account holder to have a new beginning. To keep customers from mishandling the framework, be that as it may, Congress has given qualification prerequisites to documenting a Chapter 7 case. Here are the primary necessities to meet all requirements for Chapter 7 bankruptcy help. On the off chance that you documented a Chapter 7 request and got a release previously, you should hold up eight years from the recording date of the past bankruptcy before documenting another.

On the off chance that you documented a past Chapter 7 case yet did not finish the case and did not get a release, you may record another Chapter 7 whenever, gave the court in the past case did not banish you from recording again and you generally meets all requirements for Chapter 7. In the event that you recently documented and got a release in a Chapter 13 bankruptcy case, you should hold up six years from the date that Chapter 13 was recorded before petitioning for Chapter 7. In the event that you didn’t finish or get a release in the past Chapter 13 case, you can document a Chapter 7 case whenever accepting you generally qualified for Chapter 7.

Before you document for Chapter 7 bankruptcy, you should finish a prebankruptcy credit advising course led by an affirmed organization. You should finish this course inside a half year before the date you seek financial protection. When the directing is finished, you will get an endorsement that you should document with the court.

With the establishment of the Bankruptcy Abuse and Consumer Protection Act of 2005 (“BAPCA”), bankruptcy account holders are presently required to pass a “signifies test” so as to meet all requirements for Chapter 7 bankruptcy. Peruse on to become familiar with whether you fit the bill to petition for Chapter 7 bankruptcy. So as to finish the methods test, you should have next to zero discretionary cashflow. To decide if you fit the bill for Chapter 7 bankruptcy, the methods test looks at your normal month to month salary for the half year time frame going before your bankruptcy against the middle pay of a comparative family unit in your state. On the off chance that your pay is beneath the middle, you consequently qualify. While the middle pay figures change from state to express (my very own area in Utah , right now has a middle salary limit of $41,065 for a family unit of one). As a rule, individuals who are having money related challenges are making almost no salary so the methods test does not represent an issue. Be that as it may, what occurs if your pay is over your state’s middle? Numerous indebted individuals feel that such a situation speaks to the endgame for them, that it is extremely unlikely they can record a Chapter 7 bankruptcy with their pay being so high. This isn’t really valid. On the off chance that your salary is above middle, you should finish the whole methods test structure as opposed to qualifying basically dependent on your pay. The methods test is basically an adjusting stage where your costs are weighed against your pay. In any case, remember that you can just utilize your genuine costs for specific things. For some costs, the methods test just enables you to deduct the national or neighborhood standard living recompense.

On the off chance that deducting every single suitable cost from your pay results in practically zero extra cash, you can petition for Chapter 7 bankruptcy. On the off chance that your costs are not exactly your net gain, you likely can’t record a Chapter 7 (the “assumption of maltreatment” emerges).

While this may appear to be basic enough to decide, endure as a top priority that the “esteem” of a given cost relies upon various confused recipes. Therefore, it is critical to talk with an accomplished bankruptcy lawyer before going in any direction. The Chapter 7 Means Test decides whether your normal month to month pay is above or beneath the middle salary for a group of your size in Utah.

At the point when Congress changed the bankruptcy laws in 2005, salary prerequisites were added to counteract bankruptcy misuse. You can document under Chapter 7, yet on the off chance that your pay surpasses a specific sum in Utah, you are not qualified for a bankruptcy release. You ought not just consider in case you’re qualified for recording in Utah yet additionally whether you ought to in any case. Numerous law offices and different organizations started utilizing a Chapter 7 Means Test number cruncher to play out a fast investigation of an individual’s salary. In the event that the individual breezes through the test, the person can document a Chapter 7. You can likewise utilize the graph beneath to check whether you breeze through the methods test for Utah. Utah Median Income Standards for Means Test for Cases Filed On or After May 1, 2019:

1 family unit member    $5,211.25 (monthly amount)      $62,535.00 (annually amount)

2 family unit member    $5,689.08                                             $68,269.00

3 family unit member    $6,548.42                                            $78,581.00

4 family unit member    $7,402.92                                             $88,835.00

5 family unit member    $8,152.92                                             $97,835.00

6 family unit member    $8,902.92                                             $106,835.00

7 family unit member    $9,652.92                                             $115,835.00

8 family unit member    $10,402.92                                           $124,835.00

9 family unit member    $11,152.92                                           $133,835.00

10 family unit member  $11,902.92                                           $142,835.00

A bankruptcy release is the objective of documenting a bankruptcy case. Your release is the thing that takes out your legitimate commitment to reimburse the obligation. A lender can’t gather any obligation that is released in your bankruptcy case. Hence, it is significant that you utilize a Chapter 7 Means Test number cruncher that gives the right figures. You need to record a Chapter 7 if conceivable in light of the fact that you can be sans obligation inside four to a half year subsequent to documenting. The procedure starts with a Chapter 7 Means Test number cruncher that helps people in Utah.

The Bankruptcy Court gives the structures to the Means Test on its site. Notwithstanding the structures, the court gives guidelines on the best way to finish the structures. Despite the fact that you can utilize a Chapter 7 Means Test mini-computer, you should finish the Means Test that the court utilizes for Chapter 7 cases. Notwithstanding finishing the structure, you should likewise submit duplicates of your compensation advices for a half year. Pay advices are your compensation stubs or duplicates of other proof of your pay. The compensation advices must demonstrate your gross pay, all findings, and net gain for each payroll interval. The compensation advices are found the middle value of more than a half year to land at your normal month to month salary.

Numerous people finish the Means Test on the main area. In the event that you have to finish the second area, you need data about your month to month costs. You need to be cautious when finishing your month to month costs. You can just utilize the costs permitted by law. Moreover, a few costs are constrained. You can get to a rundown of the costs and current cutoff points on the site for the United States Trustee. The cutoff pay for documenting Chapter 7 is the middle sum a family your size makes in your state. This number will change every once in a while, yet as of September 2017, Utah’s middle pay for a solitary individual was $56,638. For a two-man family, it was $62,903, and for a group of three it went up to $71,047.

In the event that the sum you acquired in the course of recent months is unreasonably high for you to be qualified for Chapter 7 bankruptcy in Utah, don’t stress – you can in any case document Chapter 13. (Sometimes, you may in any case be qualified for Chapter 7, however that should be surveyed with your attorney on a case-by-case premise.) Honestly, Chapter 13 can be a considerably more attractive choice at any rate, and regardless of whether you do fit the bill for Chapter 7 you may go this course. This is on the grounds that you hazard losing pivotal resources, for example, your home and vehicle with a Chapter 7, yet with a Chapter 13 you get the opportunity to keep basically all that you as of now have with no danger of seizure. Because of the 2005 bankruptcy law changes, the obligation you really need to pay is only a small amount of the sum you right now owe. This means, through the union program set forth by Chapter 13 bankruptcy, you will pay less both on a month to month premise and over the long haul. What’s more, recollect, regardless of the regularly scheduled installment you set up, it is continually going to be not exactly having your wages garnished.

Free Consultation with Bankruptcy Lawyer

If you have a bankruptcy question, or need to file a bankruptcy case, call Ascent Law LLC at [phone] for your Free Consultation. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: [phone]

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Real Estate Lawyer Bountiful Utah

How Long Do You Have To Be Separated Before Divorce?

Why Use A Lawyer?

Dating After Divorce

Probate Lawyer Farmington Utah

Fighting The Lure Of Tax Havens

Source: https://www.ascentlawfirm.com/how-do-i-know-if-i-qualify-for-chapter-7/

[melissawalker01]

How Do I Know If I Qualify For Chapter 7?

On the off chance that you are trying to get rid of your debt, you may not realize where to turn. The first thing you should do is call a Chapter 7 Lawyer who can give you a free consultation. If you have taken a stab at all that you can consider to recover financially monetarily, yet nothing has worked. Have you considered the kinds of insolvencies that may enable you to escape obligation and in a good place again? Your loan bosses are calling each day, and you abhor checking the letter drop because of a paranoid fear of accepting notification of an obligation gathering claim. Have you considered the sorts of liquidations that may stop loan boss provocation and delinquent payment accumulations? You have heard that bankruptcy may help, yet you don’t know of the sorts of bankruptcy accessible for you. Do you fit the bill to record Chapter 7? Would it be a good idea for you to document Chapter 13? What sorts of insolvencies would you be able to record? The different kinds of liquidations accessible to people depend on the capabilities for every chapter of bankruptcy. The Bankruptcy Code presents the capabilities for every chapter of bankruptcy. People may record under the accompanying kinds of insolvencies:

Chapter 7 — Liquidation Bankruptcy1

Chapter 13 — Repayment Plan2

Chapter 11 — Large Reorganization

Chapter 12 — Family Farmers

Chapter 15 — Used In Foreign Cases

1-2 The two most basic kinds of bankruptcy for people in Utah are Chapter 7 and Chapter 13.

One of the kinds of liquidations that you should seriously think about documenting is a Chapter 13 case. A Chapter 13 case is a reimbursement plan. You should pay in any event a part of the sum you owe to unbound loan bosses to a Chapter 13 trustee. These sorts of liquidations can enable an account holder to keep their home and vehicle in the event that they are behind on the credit installments. Be that as it may, these sorts of insolvencies are considerably more hard to document contrasted with different kinds of liquidations. A Chapter 7 bankruptcy case is a liquidation bankruptcy case. A Chapter 7 trustee is named by the court to regulate the case. On the off chance that the bankruptcy trustee recognizes resources that have non-absolved value, these benefits might be sold by the Chapter 7 trustee to pay debts without collateral. Most Chapter 7 cases are no-benefit cases. In a Chapter 7 no-advantage case, the account holder keeps all his or her property. These sorts of insolvencies are considerably more typical than Chapter 7 cases that are viewed as resource cases. Hence, most indebted individuals document Chapter 7 and don’t lose any property, however they dispose of thousands of dollars in uncollateralized debts.

On the off chance that you are attempting to reimburse your obligations, a Chapter 7 bankruptcy case can give you opportunity from those obligations. Seeking financial protection help enables you to dispose of the obligations you can’t pay so you can modify your accounts. You keep your property with the goal that you can push ahead realizing you have what you have to accommodate yourself and your family. A Chapter 7 case stops bank badgering and obligation accumulation. It doesn’t make a difference why you need bankruptcy help. The bankruptcy court does not condemn indebted individuals when they document any of the sorts of liquidations accessible under the law. Some normal reasons individuals seek financial protection help incorporate joblessness, separate, diminished pay, business disappointment, doctor’s visit expenses, unplanned damage, and loss of a relative. You have a similar appropriate to declare financial insolvency help as some other individual. On the off chance that you have been experiencing pressure related medical issues, declaring financial insolvency alleviation can diminish the pressure. It is anything but difficult to check whether you qualify. Chapter 7 bankruptcy gives careful alleviation from obligation by clearing out most uncollateralized debt and enabling the account holder to have a new beginning. To keep customers from mishandling the framework, be that as it may, Congress has given qualification prerequisites to documenting a Chapter 7 case. Here are the primary necessities to meet all requirements for Chapter 7 bankruptcy help. On the off chance that you documented a Chapter 7 request and got a release previously, you should hold up eight years from the recording date of the past bankruptcy before documenting another.

On the off chance that you documented a past Chapter 7 case yet did not finish the case and did not get a release, you may record another Chapter 7 whenever, gave the court in the past case did not banish you from recording again and you generally meets all requirements for Chapter 7. In the event that you recently documented and got a release in a Chapter 13 bankruptcy case, you should hold up six years from the date that Chapter 13 was recorded before petitioning for Chapter 7. In the event that you didn’t finish or get a release in the past Chapter 13 case, you can document a Chapter 7 case whenever accepting you generally qualified for Chapter 7.

Before you document for Chapter 7 bankruptcy, you should finish a prebankruptcy credit advising course led by an affirmed organization. You should finish this course inside a half year before the date you seek financial protection. When the directing is finished, you will get an endorsement that you should document with the court.

With the establishment of the Bankruptcy Abuse and Consumer Protection Act of 2005 (“BAPCA”), bankruptcy account holders are presently required to pass a “signifies test” so as to meet all requirements for Chapter 7 bankruptcy. Peruse on to become familiar with whether you fit the bill to petition for Chapter 7 bankruptcy. So as to finish the methods test, you should have next to zero discretionary cashflow. To decide if you fit the bill for Chapter 7 bankruptcy, the methods test looks at your normal month to month salary for the half year time frame going before your bankruptcy against the middle pay of a comparative family unit in your state. On the off chance that your pay is beneath the middle, you consequently qualify. While the middle pay figures change from state to express (my very own area in Utah , right now has a middle salary limit of $41,065 for a family unit of one). As a rule, individuals who are having money related challenges are making almost no salary so the methods test does not represent an issue. Be that as it may, what occurs if your pay is over your state’s middle? Numerous indebted individuals feel that such a situation speaks to the endgame for them, that it is extremely unlikely they can record a Chapter 7 bankruptcy with their pay being so high. This isn’t really valid. On the off chance that your salary is above middle, you should finish the whole methods test structure as opposed to qualifying basically dependent on your pay. The methods test is basically an adjusting stage where your costs are weighed against your pay. In any case, remember that you can just utilize your genuine costs for specific things. For some costs, the methods test just enables you to deduct the national or neighborhood standard living recompense.

On the off chance that deducting every single suitable cost from your pay results in practically zero extra cash, you can petition for Chapter 7 bankruptcy. On the off chance that your costs are not exactly your net gain, you likely can’t record a Chapter 7 (the “assumption of maltreatment” emerges).

While this may appear to be basic enough to decide, endure as a top priority that the “esteem” of a given cost relies upon various confused recipes. Therefore, it is critical to talk with an accomplished bankruptcy lawyer before going in any direction. The Chapter 7 Means Test decides whether your normal month to month pay is above or beneath the middle salary for a group of your size in Utah.

At the point when Congress changed the bankruptcy laws in 2005, salary prerequisites were added to counteract bankruptcy misuse. You can document under Chapter 7, yet on the off chance that your pay surpasses a specific sum in Utah, you are not qualified for a bankruptcy release. You ought not just consider in case you’re qualified for recording in Utah yet additionally whether you ought to in any case. Numerous law offices and different organizations started utilizing a Chapter 7 Means Test number cruncher to play out a fast investigation of an individual’s salary. In the event that the individual breezes through the test, the person can document a Chapter 7. You can likewise utilize the graph beneath to check whether you breeze through the methods test for Utah. Utah Median Income Standards for Means Test for Cases Filed On or After May 1, 2019:

1 family unit member    $5,211.25 (monthly amount)      $62,535.00 (annually amount)

2 family unit member    $5,689.08                                             $68,269.00

3 family unit member    $6,548.42                                            $78,581.00

4 family unit member    $7,402.92                                             $88,835.00

5 family unit member    $8,152.92                                             $97,835.00

6 family unit member    $8,902.92                                             $106,835.00

7 family unit member    $9,652.92                                             $115,835.00

8 family unit member    $10,402.92                                           $124,835.00

9 family unit member    $11,152.92                                           $133,835.00

10 family unit member  $11,902.92                                           $142,835.00

A bankruptcy release is the objective of documenting a bankruptcy case. Your release is the thing that takes out your legitimate commitment to reimburse the obligation. A lender can’t gather any obligation that is released in your bankruptcy case. Hence, it is significant that you utilize a Chapter 7 Means Test number cruncher that gives the right figures. You need to record a Chapter 7 if conceivable in light of the fact that you can be sans obligation inside four to a half year subsequent to documenting. The procedure starts with a Chapter 7 Means Test number cruncher that helps people in Utah.

The Bankruptcy Court gives the structures to the Means Test on its site. Notwithstanding the structures, the court gives guidelines on the best way to finish the structures. Despite the fact that you can utilize a Chapter 7 Means Test mini-computer, you should finish the Means Test that the court utilizes for Chapter 7 cases. Notwithstanding finishing the structure, you should likewise submit duplicates of your compensation advices for a half year. Pay advices are your compensation stubs or duplicates of other proof of your pay. The compensation advices must demonstrate your gross pay, all findings, and net gain for each payroll interval. The compensation advices are found the middle value of more than a half year to land at your normal month to month salary.

Numerous people finish the Means Test on the main area. In the event that you have to finish the second area, you need data about your month to month costs. You need to be cautious when finishing your month to month costs. You can just utilize the costs permitted by law. Moreover, a few costs are constrained. You can get to a rundown of the costs and current cutoff points on the site for the United States Trustee. The cutoff pay for documenting Chapter 7 is the middle sum a family your size makes in your state. This number will change every once in a while, yet as of September 2017, Utah’s middle pay for a solitary individual was $56,638. For a two-man family, it was $62,903, and for a group of three it went up to $71,047.

In the event that the sum you acquired in the course of recent months is unreasonably high for you to be qualified for Chapter 7 bankruptcy in Utah, don’t stress – you can in any case document Chapter 13. (Sometimes, you may in any case be qualified for Chapter 7, however that should be surveyed with your attorney on a case-by-case premise.) Honestly, Chapter 13 can be a considerably more attractive choice at any rate, and regardless of whether you do fit the bill for Chapter 7 you may go this course. This is on the grounds that you hazard losing pivotal resources, for example, your home and vehicle with a Chapter 7, yet with a Chapter 13 you get the opportunity to keep basically all that you as of now have with no danger of seizure. Because of the 2005 bankruptcy law changes, the obligation you really need to pay is only a small amount of the sum you right now owe. This means, through the union program set forth by Chapter 13 bankruptcy, you will pay less both on a month to month premise and over the long haul. What’s more, recollect, regardless of the regularly scheduled installment you set up, it is continually going to be not exactly having your wages garnished.

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from Michael Anderson https://www.ascentlawfirm.com/how-do-i-know-if-i-qualify-for-chapter-7/ from Divorce Lawyer Nelson Farms Utah https://divorcelawyernelsonfarmsutah.tumblr.com/post/188204663555