Judging the legitimacy of attorneys and debt consolidation programs

Judging the legitimacy of attorneys and debt consolidation programs

The cases of bad credit and bankruptcies have risen sharply and so is the number of credit service organizations looking to trick you through inaccurate and illegitimate claims. It is never possible for any credit service organization to make modifications in a consumer’s credit history without following certain steps. Further, the chances of getting a clean credit report are also slim. There are methods of online debt consolidation,  but they have also ceased to be safe anymore. This article will tell you more about ways to face and identify illegitimate attorneys and credit service companies.

  • Ask for license of proof – The first thing that you must do is ask forproof of license. Possession of Certificate of Authority is important foran attorney or a debt consolidation company operating legally.
  • Contact your state’s Attorney General – The first step may be difficult for you. You can get in touch with your state’s Attorney General to make sure if the attorney or debt consolidation company has the license to carry out operations in your state. Ask for anything against the company that the Attorney General might know through investigations carried out on the company.
  • Get in touch with Better Business Bureau – The favorability rating of the attorney or the debt consolidation company amongst consumers is a powerful indicator of legitimacy and performance. A low rating is indicative of poor services as it is fueled by a large volume of consumer complaints. Get hold of the company’s report to learn the reasons behind the consumer complaints in detail.
  • Visit a consumer rights organization – The best way to gather information about the attorney or debt consolidation company is by visiting a consumer rights organization. Learn more from the various complaints made by consumers and use the information to your advantage. The Consumer Action’s website is the right place to file complaints. You can also call them up at 415-777-9635.

Last but not the least, it is very important to know if the attorney or debt consolidation company ahs the membership of the National Association of Certified Credit Counselors (NACCC). Members of this association are governed by strict rules, which decreases the chances if illegitimacy. You can learn about the member agencies from a non-profit organization by the name of National Foundation of Credit Counseling. You can also call up the organization to know more about attorneys and debt consolidation companies.

The aforesaid steps will assist you in determining if you’ve resorted to  the right company to have your debts addressed. Nevertheless, efforts from your part are always important. That is to say, you’ll require carrying out proper researches to develop your own techniques of spotting an attorney or a debt consolidation company illegitimately in operation. There is no dearth of resources that you can make use of to choose the right attorney or debt consolidation company to have your debt erased. The sooner you get
on it, the faster you’ll become debt free without falling prey to illegitimately operating attorneys and debt consolidation companies.

Guest article from Sophie Kinsella

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History law Attorneys and lawyers

Attorneys and lawyers history law

31) LXXVIII. Book III. God’s Guidance of His People in Spite of Their Unfaithfulness. 1909-14. The Book of Psalms. The Harvard Classics
… Maschil of Asaph. [1] GIVE ear, O my people, to my law: 1 Incline your ears to the words of my mouth. [2] I will open my mouth in a parable; I will utter dark sayings…

32) LXII. To Albinus. Pliny the Younger. 1909-14. Letters. The Harvard Classics
…I WAS lately at Alsium, 1 where my mother-in-law has a villa which once belonged to Verginius Rufus. The place renewed in my mind the sorrowful remembrance of that…

33) XXII. Book III: On Inward Consolation. Of the Recollection of God’s Manifold Benefits. Thomas a Kempis. 1909-14. The Imitation of Christ. The Harvard Classics
…OPEN, O Lord, my heart in Thy law, and teach me to walk in the way of Thy commandments. Grant me to understand Thy will and to be mindful of Thy benefits, both general…

34) The First Epistle of Paul to the Corinthians. VI. 1909-14. The Epistles of Paul to the Corinthians. The Harvard Classics
…[1] DARE any of you, having a matter against his 1 neighbor, go to law before the unrighteous, and not before the saints? [2] Or know ye not that the saints shall…

35) Preface to the Novum Organum. Francis Bacon. 1909-14. Famous Prefaces. The Harvard Classics
…THOSE who have taken upon them to lay down the law of nature as a thing already searched out and understood, whether they have spoken in simple assurance or professional…

36) 18. Freedom. Notes Left Over. Whitman, Walt. 1892. Prose Works
…I have not yet met one person who rightly understands it. The whole Universe is absolute Law. Freedom only opens entire activity and license under the law. To the…

37) V. Laws of Variation. Compensation and Economy of Growth. Darwin, Charles Robert. 1909-14. Origin of Species. The Harvard Classics
…THE ELDER Geoffroy and Goethe propounded, at about the same time, their law of compensation or balancement of growth; or, as Goethe expressed it, In order to spend…

38) His Plea at the Bar of the House by Charles Bradlaugh. Great Britain: III. (1865-1906). Vol. V. Bryan, William Jennings, ed. 1906. The World’s Famous Orations
…of the House while I submit to it a few words in favor of my claim to do that which the law requires me to do. I now say I would not go through any form—much as I…

39) On Being Found Guilty of Treason by Robert Emmet. Ireland (1775-1902). Vol. VI. Bryan, William Jennings, ed. 1906. The World’s Famous Orations
…have I to say why sentence of death should not be pronounced on me according to law? I have nothing to say that can alter your predetermination, nor that it will…

40) Introductory Note. 1909-14. The Life of Sir Thomas More. The Harvard Classics
…THE accompanying intimate account of the life of Sir Thomas More by his son-in-law, William Roper, renders a biographical sketch unnecessary. 1 While More was a young…

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La importancia de la internacionalización

La importancia de la internacionalización

¿Qué variables son estimables e importantes al momento de internacionalizar?

Salvador Trinxet –

eumed.net nos explica. Consumo estimado y penetración de las importaciones; esta variable se mide a través del cálculo en porcentaje de las importaciones sobre el consumo estimado. Esta variable ha sido ampliamente utilizada en los análisis para sectores específicos; una ratio de valor alto representa la apertura del mercado hacia las importaciones y una baja competitividad por parte de los productores locales, lo que implica un alto grado de atractivo del mercado. Ventajas de origen; en esta variable se va a tener en cuenta el índice de exportaciones del país del exportador sobre las importaciones del país de destino. Esta medida se ha tenido en cuenta en función de las opiniones de Bilkey, este autor considera que los competidores de aquellos países con una fuerte presencia en las importaciones sectoriales de un determinado país de destino juegan con ventaja ya que las empresas exportadoras pueden obtener información del país de destino a través de los primeros exportadores. Además, a raíz de la importancia de las importaciones originarias de un país, los consumidores del país de destino pueden tener una imagen favorable de los productos originarios del país exportador. Este alto índice puede darse, porque existen fuertes relaciones de comercio entre el país receptor y el exportador, debido a los esfuerzos de promociones y de presentaciones locales realizadas por el segundo.

¿A qué se refieren las barreras competitivas?

Salvador Trinxet –

Las empresas internacionales se enfrentan a barreras de mercado en aquellas industrias donde los recursos críticos en manos de las empresas locales son difíciles o imposibles de reproducir internamente o de adquirir externamente (Barney, 1991;Chen y Hennart, 2002). Eumed.net nos expone que al  entrar por primera vez en un mercado exterior, las empresas multinacionales pueden carecer de la lealtad y reconocimiento de marca, por lo que pueden tener dificultades para competir con empresas locales que poseen marcas reconocidas en sus mercados (Owen, 1993). Además, las empresas locales pueden controlar los canales de distribución y hacerlos inaccesibles para las empresas extranjeras (Czinkota, 1985), o pueden controlar el suministro de materias primas que son primordiales para el éxito de las inversiones exteriores que tienen como objetivo la búsqueda de recursos (GomesCasseres, 1989; Hennart, 1991). Las empresas locales pueden tomar represalias como el exceso de capacidad, para disuadir a las empresas. Por su parte, las multinacionales deberán superar las barreras tecnológicas en sectores exteriores donde las empresas  locales posean fortalezas en I+D (Kogut y Chang, 1991).
¿El entorno político debe evaluarse ante los retos de la internacionalización?

Salvador Trinxet –

Por supuesto, un inadecuado entorno político, legal y normativo, lo que se denomina el entorno institucional, puede convertirse en un obstáculo potencial para las empresas que quieren entrar en mercados exteriores (Brewer, Keefer y Knack,). Eumed.net manifiesta en su investigación que las deficiencias existentes en el entorno institucional del país de destino pueden disuadir a las empresas de entrar en dicho mercado u obligarlas a posponerla (Boisot y Child).  Se puede afirmar que la evaluación del riesgo país es un requisito fundamental para el análisis de la viabilidad de proyectos de inversión en el extranjero y para el diseño del plan estratégico de actividades internacionales (Durán Herrera).  En primer lugar, el nivel de riesgo político depende de la probabilidad conjunta de expropiación o nacionalización del sector privado con o sin compensación. El nivel de resigo político está determinado por el proceso histórico de cada país y sus características culturales, sociopolíticas y actuales, aparte del grado de apertura de un país hacia la actividad sociopolítica exterior (Bunn y Mustafaoglu). En segundo lugar, el riesgo administrativo se asocia a las implicaciones que las acciones gubernamentales y los cambios potenciales en  la política de un país tienen sobre la libertad económica del sector privado en general y de las filiales de las empresas extranjeras, en particular.

Más información:

Entrevista a Salvador Trinxet sobre màrqueting

Salvador Trinxet Llorca – Kotler part de la base que el Màrqueting tal com el coneixem està acabat i ha d’evolucionar a alguna cosa molt més

Cambra de Comerç de Barcelona

Institució centenària, amb antecedents que es remunten a l’edat mitjana. Apartats d’història i dades de la institució, formació, comerç exterior, pimes, contactes

Salvador Trinxet y AC Johansson, adaptación de cuentos populares

29 Dic 2011 – Salvador Trinxet Llorca. Abogado y Escritor Salvador Trinxet y AC Johansson, adaptación de cuentos populares. by Business on diciembre

Salvador Trinxet « Definición

Salvador Trinxet Llorca – Según Ernesto Villanueva el secreto profesional del periodista puede definirse como el derecho o el deber que

Portada – Consell General de Cambres de Catalunya

CAMBRES DE CATALUNYA.  Consell General de Cambres de Catalunya

Salvador Trinxet, Enfoques ante la internacionalización

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Fusiones y Adquisiciones

Fusiones y Adquisiciones

El Grupo Braxton tiene una dilatada experiencia en el asesoramiento de todo tipo de transacciones empresariales, fusiones, adquisiciones y desinversiones. El Departamento presta a nuestros clientes el apoyo legal que precisan en la compraventa de todo tipo de empresas, incluyéndose la realización de auditorias legales (due diligence) de naturaleza corporativa, fiscal, contenciosa y laboral, si así lo requieren, y llevando a cabo las negociaciones y redacción de los documentos necesarios para el buen fin de las operaciones.

Asimismo, asesoramos a nuestros clientes en la negociación y redacción de todo tipo de contratos de financiación e inversión, incluidos contratos de Financiación de Proyectos (Project Finance), operaciones sindicadas, deuda subordinada, contratos de socios, joint ventures, operaciones de Private Equity como fund raisings etc…

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TS limita actos Tribunales de Hacienda

Tribunal Supremo limita actuaciones de los Tribunales de Hacienda

España. Un importante cambio en el control de los errores fiscales ha establecido esta semana el Tribunal Supremo de Justicia de España, con una sentencia en la que impedirá a futuro que los tribunales Económico-Administrativos (TEAC) corrijan las inspecciones previamente realizadas por los funcionarios de Hacienda, especialmente en lo relacionado a las liquidaciones del IVA. La sentencia, que primeramente se aplica a un caso sobre Impuesto de Sociedades, permitirá el ahorro de 600 mil euros para la empresa que ha presentado la demanda, y aclara las capacidades de los tribunales económico-administrativos (TEAC) que dependen de Hacienda. Según la decisión, en el futuro estos tribunales no podrán aplicar retroacciones, por lo cual se abrirá un canal de demandas para muchos otros casos que han recibido el mismo tratamiento, incluyendo casos por IVA.Tal como han informado los especialistas de Hacienda, hay otros 500 mil expedientes similares, lo cual podría representar que unos 5 mil millones de euros en casos que se analizarán ante los tribunales de justicia. Este monto alcanza la misma cifra establecida por el gobierno como tope para los recortes presupuestarios. El caso particular revisado por el Tribunal Supremo establece un error administrativo en un caso prescrito; la sentencia recusada proponía una repetición de las actuaciones fallidas, por lo que dicha sentencia ha sido anulada.

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Resources to find a good Lawyer

“If you needed a lawyer for a personal legal matter, how likely would you be to use the following resources to find one?” Among the resources listed were webistes, directories, social networking sites and blogs, here is the question the ABA survey asked.

According to the survey, Forty-nine percent of respondents were very likely or somewhat likely to turn to websites where viewers can ask lawyers for legal information if they needed a lawyer for a personal legal matter. Sometimes sites offer answers exclusively on legal matters, while other sites include legal matters among a variety of topics such as accounting, plumbing and health issues. The interest people have in using Q & A sites to help find a lawyer for a personal legal matter seems consistent with the notions that people want fast and free information on the Internet, be it legal information or otherwise. It is unclear from this research whether people anticipate using Q & A sites to simply solve their legal matters or whether they think about using it to identify a lawyer who is knowledgeable about their particular issues, who they then anticipate subsequently hiring. Forty-seven percent of respondents were very likely or somewhat likely to turn towebsites where lawyers are rated. This type of third-party credentialing is not unlike the verification a person gets when they turn to a trusted source such as a friend or family member. Obviously, the distinction is that the viewer is unfamiliar with those who provide the ratings. Nevertheless, customer rating sites have becoming popular in a variety of matters, including hotel and travel resources, doctors and teachers. The second tier includes directories and online matching services. Thirty-nine percent of respondents reported they were very or somewhat likely to turn to online directories as a source to find a lawyer for a personal legal matter. Online directories were an early resource for legal services when the Internet emerged as a commercial vehicle. Directories typically enabled viewers to identify an area of practice, such as domestic relations or bankruptcy and cross tab that with a geographic location, often a state or major city. The refinement of a few dominant search engines may have disintermediated and reduced the value of online directories. Now a viewer can now merely search for a divorce lawyer in Peoria through a search engine rather than first finding a directory and then using that to ultimately find the lawyer. Search engines are facilitating local searches for lawyers in a field of practice in a particular location and enhancing the search through mapping features that help viewers find the lawyer’s office. Nevertheless, the likelihood of using online directories was in the middle of the pack in this poll. Twenty-seven percent of respondents reported that they were very or somewhat likely to use a website where people posted their problems and lawyers interested in representing them would then follow up and contact the potential client. This question was intended to ask about matching services. However, it may have been awkwardly presented in a way that led respondents to the belief that their personal information was posted online for all to see. This possibility is supported by the fact that 50% of respondents reported they were very unlikely to use such a model, a percentage substantially higher than the other first and second tier models. Respondents reported they would be far less likely to use interactive tools that commonly fall under the banner of Web 2.0 compared to the other models included in the research. Less than one of out five of the respondents were very or somewhat likely to use social network sites such as Facebook as a source when they needed a lawyer for a personal legal matter. Fifteen percent were very or somewhat likely to use blogs. Just fifteen percent said they were very or somewhat likely to use blogs. It follows, therefore, that blogs are ineffective as tools for client development, right? Of course not. The question makes no sense. A blog is not a selection tool. It is not a directory. It is not somewhere anyone would go to “find” something. Rather than looking at blogs and social media as something new, we think people look at blogs and social media as accelerators of relationships and your word of mouth reputation.” The lead conclusion of the ABA survey is that the first place people turn when looking for a lawyer is to a trusted source. The goal of all legal networking, we believe, can be summed up in those two words: trusted relationships. Just as consumers buy brand names over generics, legal consumers hire the lawyer their cousin recommended and corporate counsel retain firms based on colleagues’ referrals. In each case, what sways the decision is trust. A blog is a reputation accelerator. Not every blog is. It has to be well done. It has to have thoughtful posts. It has to offer insight. I’m not talking about the blogs that are nothing more than SEO engines. It is rare that a potential client will call a lawyer and say, “I’m calling you because you have a blog.” It is far more common, however, for a potential client to call a lawyer who blogs and say, “I’m calling you because I researched lawyers online who handle this kind of law and found frequent references to you.” Trust is an amorphous and highly subjective concept. A blog is certainly no magic bullet. A blog can, however, provide substantiation for why you should be trusted. Online networking is no different than traditional networking – if you overlook the fact that it is plugged in, supercharged and global in reach. When done right and to full effect, social media tools add rocket fuel to all of the ways lawyers traditionally get new business. They support client referrals and recommendations, they support peer referrals and recommendations, they take in-person networking beyond physical limits, they strengthen alumni relationships, they simulate conferences and publishing by enabling you to highlight your knowledge and expertise, they even allow you to respond to RFPs. Social media are a set of tools for broadening and strengthening your network of trusted relationships. Used properly and effectively, social media will enhance your reputation, strengthen confidence in your “brand,” and broaden your professional and personal networks. All of these combine to give others a reason to trust you – and you them. Blogging is a powerful tool for building a lawyer´s reputation. You need to have a foundation to build on. Blogging won’t make you a great lawyer or even let you pretend to be one. But if you are a thoughtful lawyer with knowledge and insight to share, blogging lets you do that on a level far beyond that of any other publishing platform.

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Ley para para facilitar la aplicación en España de los procesos europeos monitorio y de escasa cuantía

En el BOE del Viernes 25 de Marzo aparece publicada la  Ley 4/2011, de 24 de marzo, de modificación de la Ley 1/2000, de 7 de enero, de Enjuiciamiento Civil, para facilitar la aplicación en España de los procesos europeos monitorio y de escasa cuantía

Podéis consultar el texto en la siguiente URL: http://www.boe.es/boe/dias/2011/03/25/pdfs/BOE-A-2011-5392.pdf

Su entrada en vigor es a los 20 días de su publicación, es decir el 28 de Abril.

Modifica los siguientes artículos de la LEC: 23, 31, 437, 539, 813, 815.

Añade a la LEC: Disposición Final Vigesimo Tercera y Disposición Final Vigesimo Cuarta y Disposición Final Vigesimo Quinta.


Asimismo, modifica el art. 35 de la Ley 53/2002, de 30 de diciembre, de Medidas Fiscales, Administrativas y del Orden Social (Tasa Judicial), añadiendo el proceso monitorio.

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