best attorneys in modesto ca

1. Find out about the sorts of chapter 11.

For people, there are two principle sorts of insolvency:

Section 7 – an insolvency where numerous, if not all, of your obligations are scratched off inside and out in a short three-to six-month process. (See Chapter 7 Bankruptcy.)

Part 13 – a chapter 11 where you utilize your salary to make installments on your obligations throughout the following three to five years. (See attorneys modesto ca.)

2. Consider other options to chapter 11.

Things may not be as awful as you think. You might be “judgment confirmation” or you may have alternatives you aren’t mindful of. See Alternatives to Bankruptcy.

3. Ensure you will be you qualified for chapter 11. Ask our attorneys modesto ca

You might be kept from petitioning for Chapter 7 insolvency in the event that you have enough salary to reimburse your obligations in a Chapter 13 arrangement. (To take in more, see our Chapter 7 Eligibility and Means Test region.) Or you may not fit the bill for Chapter 13 insolvency if your obligations are too high or your salary too low. (See Are You Eligible for Chapter 13 Bankruptcy? )

4. Realize which obligations won’t be crossed out.

attorneys modesto ca

A few obligations, similar to kid bolster commitments, can’t be wiped out in chapter 11. Take in more in What Bankruptcy Can and Cannot Do.

5. Consider what will happen to your home.

Liquidation won’t calm you of your commitment to pay your home loan, however it may make your home loan simpler to pay by disposing of different obligations. In the event that you have considerable value in your home, you may lose it in the event that you petition for Chapter 7, contingent upon how liberal the exclusions laws are that are accessible to you. On the off chance that you petition for Chapter 13, you can keep your home and pay off any home loan overdue debts through your reimbursement arrangement. (To take in more, see Your Home and Mortgage in Chapter 13 Bankruptcy and Your Home in Chapter 7 Bankruptcy.

6. Will you lose your auto or other property?

The amount of property you get the opportunity to keep depends whether you’ve vowed the property as insurance for an obligation, and on the “exception” laws that are accessible in your state. In the event that you petition for Chapter 7, you may lose your auto on the off chance that you have significant value that isn’t secured by your state’s exception laws. (To take in more, see our attorneys modesto ca)

7. Will your charge cards be paid off?

Chapter 11 is great at wiping out most charge card obligation and unsecured advances, unless you spent excessively or lied on your credit application. See Credit Card Debt in Chapter 7 Bankruptcy for more data.

8. Is your annuity, IRA, or 401(k) safe?

In many states, you won’t lose pensions,retirement records, or life coverage in chapter 11. In the event that you have an annuity, a 401(k), an IRA, or life coverage, discover what’s secured in your state. (To take in more, see Your Retirement Plan in Bankruptcy.)

9. Will cosigners be screwed over thanks to your obligation?

On the off chance that a companion or relative helped you get financing by cosigning a credit understanding, Chapter 13 liquidation will ensure your cosigner, yet Chapter 7 will stick them with any obligation you don’t pay. (To take in more, see Will Your Cosigner Be Liable for Debt in the event that You File for Bankruptcy?)

10. Consider how chapter 11 may influence your own life.

Chapter 11 canbe nosy – you need to unveil each and every subtle element of your funds to the court, and other individuals may get some answers concerning your liquidation. In a Chapter 7 liquidation, you can have property taken away, or, under a Chapter 13 arrangement, you may put in three to five years asking authorization to spend your own particular cash.

Liquidation will likewise detrimentally affect your FICO rating. See our FAQ on Bankruptcy and your Credit for more data.
Learn more about bankruptcy at

Top Testosteron kur

Have you ever needed to attempt testosteron? Have you been feeling lethargic, moderate, and experiencing serious difficulties your charisma? Is your relationship in question in light of your new disposition towards life? It might be the ideal opportunity for some testosteron kur to recover your day on track! It’s helped a huge number of individuals to recover their life and their vitality, why not give it a chance to help you?!

Testosteron Kur is a mind boggling supplement that you take orally consistently. It supports your body with Testosteron to give your body back that inclination you had when you were a child! You’ll feel more dynamic, more engaged, and s part more turned on! Who wouldn’t need that? It is precisely similar to Testosteron Kaufen, with the exception of this is in pill structure, so you don’t have to get any shots or recollect any uncommon scedule. You essentially need to take a pill each morning to recover your life to ordinary! A great many individuals are utilizing this item regular To improve their lives!

As should be obvious in the video, he is amazingly satisfied with what Testosteron kur is accomplishing for him. He can do what he’s generally needed to do once more. What’s more, best of all, his significant other is to a great degree satisfied! You can’t turn out badly taking a supplement this way!

testosteron kur

Look at what Wikipedia needs to say in regards to testosteron kur You can take in more than enough data to decide there!

Kindly take in more by looking at what do you need to lose other than everything? Try not to hold up! Take in more today!

Are you concerned about your Freedom?


Not concerned about your freedom…?


David Freidenberg CEO of the POMM Atlanta Georgia July 14th, 2016.

We all tend to protect our computers when it comes to security. We know that there is an amalgam of different security options available, such as Norton, McAfee and the like, or even free options online, but when we deal with our phones, we don’t think about the same security issues. Scammers, hackers, and many more digital criminals are always looking for ways that they can break into your smartphones, since they are not guarded half as much as our PCs and laptops/tablets. Some of the many security risks that your mobile phone poses are:

  1. Your smartphones are not enabled with passwords and authenticate users. This lack of control enables others to hack into your private information.

  2. Static passwords are the norm for mobile devices instead of the two-factor authentication process. This means that all of your digital transactions can be accessed by skilled hackers. Since the norm for mobile devices is wireless transmissions, this means that your device is susceptible to many attacks when it is not encrypted. Not to mention the vulnerabilities of the NFC (near-field communication system).

  3. Many devices possess malware and any apps that are downloaded usually carry the same, since it is not a heavily regulated marketplace. It could even be disguised as a security app itself!

  4. It is not a pre-requisite for mobile devices to be sold with security software and many do not know which to choose and utilize when they want to download. Security updates are also mostly late in their initial release to consumers, usually 2 to 3 months after, leaving your device at the whim of cyber criminals.

  5. Firewalls are not utilized most of the time with mobile devices and this allows infiltration when connected to a wide area network.

  6. Identity theft is a major problem for many users of mobile devices, causing harm to their credit scores and reputations. It’s much easier than you think! The drive-by mobile attack can easily access NFC. Here it is even more accessible than WiFi since they are no password or credential requirements! NFC connections are established automatically and do not require any form of login or password.

Now that we know the dangers our mobile devices can potentially be in, there is but one solution to the problem. As stated earlier, there are many risks as well as so called “security updates and apps” that are simply not so. Even if you do have some form of security, with smartphones it is just not that simple. The only true way to stay secure and keep your personal information and transactions safe is through POMMtm (Privacy-on-My-Mind). This is a revolutionary, new Israeli top technological solution that secures your phones from the smallest to largest of threats.

By utilizing a highly advanced biometry-based, user-enhanced authentication process, POMM privacy management solutions are the one-stop shop for all your smartphone security issues.

That’s understandable when you want to protect your data from fraudsters. But our privacy is at stake from every direction, not only ill-intentioned people may try to steal our data the government with a Big Brother like mentality “protecting us from terrorism” has taken liberties and violated our rights. The CIA, FBI, and NSA penetrating your iPhone without your permission. Researchers working for the Central Intelligence Agency (CIA) have worked for years to break the hardware encryption of Apple’s iOS devices, according to The Intercept, citing documents obtained from National Security Agency (NSA) whistleblower Edward Snowden. The NSA succeeded, in breaking the security of iPhones and iPads, and show cased their achievements at an annual gathering called the “Jamboree,” where security experts analyze security flaws in commercial electronics. By now we all are aware that on or around June 2013 the Washington Post reported about PRISM, a cooperation between the Federal Bureau of Investigation (FBI) and the NSA in which the NSA tap directly into the servers of leading American Internet companies. In September 2013, the New York Times reported that the NSA works with tech companies to break into encryption systems and build entry points into all smartphone companies’ products, and identify and break code maker to penetrate those and implement weaknesses into widely followed encryption standards. The Article revealed agency’s efforts to exploit the Secure Sockets Layer (SSL), virtual private networks (VPN), and the encryption used in 4G phones.

The NSA in 2015 successfully implanted malware on iPhones as part of WARRIOR PRIDE, a GCHQ framework for accessing private communications. The NOSEY SMURF enabled spies to remotely access and activate a phone’s microphone, while one called DREAMY SMURF enabled agents to manage the phone’s power system to avoid detection, PARANOID SMURF concealed the malware in other ways, and TRACKER SMURF enabled precise geolocating of a phone. All of this malware requires the sneaking of a backdoor into an app that the user has voluntarily installed. The FBI managed to break into the iPhone early this year. Apple chief executive Tim Cook recently stated, “None of us should accept that the government or a company or anybody should have access to all of our private information. This is a basic human right. We all have a right to privacy. We shouldn’t give it up. We shouldn’t give in to scare-mongering.” Hence, the only current solution is devices like the POMM. The POMM is a smartphone add-on device (a protective case with a hardware plus battery and storage) that allows its owner to store, download and deliver classified or personal data, such as medical, finance, and private photos, to/from emails, cell phones and the Internet in the most secured manner. Snowden’s lawyer, Anatoly Kucherena, stated, “Edward never uses an iPhone, he’s got a simple phone… The iPhone has special software that can activate itself without the owner.” The POMM can protect the iPhone as well.

POMM Creates a Secured Digital Safe attached to the smartphone, which is invisible to hackers and malware and is securely shielded from any exposure on the Internet or Public Cloud Applications.

POMM is comprised of a unique, miniature quad-core computer embedded in the smartphone case and accompanied by POMM Applications, such as Secured Messaging, Private Contacts, Secured Storage of Photos and Media, Secured Passwords and PINs, and more.

POMM returns the control of your data to you and protects you from falling victim to costly and embarrassing cyber-attacks.

POMM, compatible with all leading Android and iPhone Smartphones, is a necessity – not an accessory! If you try to separate the case from the smartphone without being the biometrically recognized owner, the data will self-destruct.

The POMM is raising capital for all of us allowing us to be a customer and a shareholder at the same time.

POMM covers the security of your entire smartphone, including but not limited to:

  • Galleries and Images

  • Notes

  • Passwords

  • Contact Information

  • Camera or Security Cameras

  • Messages and Emails

  • Calendars

And more!

Visit for more information!

Doctors around the world have written a surprising number of prescriptions for testosterone treatment in recent years. Nearly 3 percent of American men aged 40 and older are thought to have received such scripts in 2011—three times the percentage in 2001. (If confirmed, the 2011 ratio could mean that perhaps two million older men in the U.S. have been given prescriptions for testosterone.) Originally intended for men who have difficulty producing sex hormones because of damage or disease in their testes or other parts of the endocrine system, testosteron replacement therapy has become increasingly popular with middle-aged and older men who do not have clear deficits but who nonetheless hope to lessen some of the symptoms of aging, including fatigue, muscle wasting and lack of sex drive.

Testosteron kur

In truth, no one knows whether the hormone can offer any of the health benefits that its proponents claim for aging males. Well-designed, placebo-controlled trials of the drug in men who do not meet the standard criteria for treatment have been scant in number, and their results have been inconsistent.
As testosterone therapy becomes more widespread, a growing number of medical experts worry that it has become too easy for men to get the hormone—whether from their own physicians or stand-alone “low T” clinics—and that many users could be putting themselves at risk for worse conditions than those they are trying to counteract.
Easy Access
Testosteron kur, as produced by the body, is a versatile hormone. In addition to maintaining sperm production, the molecule helps many tissues to grow: it increases muscle and bone mass, as well as the production of red blood cells—all of which are vital for energy and strength. Disease or injury in the testes or pituitary gland—a part of the brain that instructs the testes to produce testosterone—can hinder the body’s ability to make the hormone. When testosterone levels dip too low, men can become depressed and lethargic, lose interest in sex, and lose some of their muscle and body hair.
While the potential risks associated with taking supplemental testosterone—particularly in otherwise healthy men—are not well studied, concern has focused on whether extra amounts of the hormone might damage the prostate, heart or brain. Many prostate tumors depend on testosterone to grow, so increasing the level found in the blood might nudge normal cells to become malignant or push malignant cells to become more aggressive. In addition, two recent studies found an increase in heart attacks and strokes among older men taking testosterone—which the authors speculated might occur if the drug increased clotting risk and drove up blood pressure. Earlier this year the U.S. Food and Drug Administration announced that it is studying the matter to see whether stronger regulations are needed. In the meantime, the agency now requires all testosterone products to contain a warning label about the potential for blood clots.
As long as testosterone therapy was available only by injection, its use was largely limited to individuals with testicular injuries or other severe ailments. The treatment markedly improves mood and libido in men with these conditions, and the fda approved the drug for those situations. But fear of needles no doubt kept some men from seeking treatment.
Individuals were more willing to consider their options once pharmaceutical companies figured out how to deliver the drug more easily. A transdermal patch that delivered the medicine through the skin of the scrotum became available in 1993. (Subsequent patches could be applied to the arms, back and thighs.) But the number of men taking supplemental testosterone really began to soar in 2000, with the introduction of an even easier-to-use gel that could be rubbed on the shoulders, thighs or armpits.
Greater ease of use also led to an expansion in the number of conditions for which doctors considered testosterone therapy to be a plausible treatment in spite of any supportive data. Perhaps an extra dose of testosterone could be helpful for otherwise healthy men whose hormone levels had faded with age or because they were obese or suffered from diabetes? (It is unclear precisely why testosterone levels decline for certain individuals in these situations.) In addition, some men who did not have testicular injuries desired the sex hormone because they thought it would treat erectile dysfunction or boost their mood.

Check out for more information!

Event First Aid

As a regular event organizer of sporting events across Victoria, I am often faced with the decision of who to use for event first aid coverage.  I recently ran a football competition in Gippsland, Victoria with over 100 players and 300 spectators.  Given the potential for injury to occur, I contacted Medical Response.

Medical Response were able to provide us with two paramedics, who set up a first aid marquee, and provided all equipment such as first aid kits, defibrillators, spinal immobilization, oxygen and wheelchairs. This gave us complete confidence that our event was covered in the event of an emergency.

The paramedics that attended had prior experience in emergency medicine and have all worked in the emergency services sector previously. It was evident that they had some pretty impressive experience, as we had a spectator that was hit by a car in the parking lot. They sprung into action and ensured that the patient was well looked after and treated for her injuries.

For anyone else looking at first aid services for their event, I highly recommend Jay and the team at Medical Response. They did a great job, at a fantastic price, and will travel all around Victoria.  Give them a call on 1300 303 655 or check out their website at . Tell them Mick from the Gippsland footy club sent you!

by Jillian Pransky

Yoga always places a high value on purification of body and mind at all levels, all the time, but especially in spring as we need to rid the body of the sludge and heaviness of winter, ridding us of any built up residue of the mind and body.

Slow flows are ideal for movement that can be vigorous, but keep you feeling grounded.  Twists stimulate the organs (especially the liver) and balance the hemispheres of the brain to enable greater mental and emotional balance. Check out any of the lessons on Free Online Yoga!

It is a time to release toxins and lighten up. Some extra heat as well, stimulates and revitalizes the liver and large intestines. To do this we can and incorporate mindful yoga flows (moving at the pace of the breath), twists, side leans and inversions. Heat helps generate sweat and naturally detoxify our bodies.

Most importantly, your yoga practice should not leave you feeling depleted, but rather “ready to go.” Stay rooted while you begin to rise up and out, rejuvenated but relaxed.

Inversions (even gentle inversions like legs up the wall) can aid the flow of blood back to the lungs and heart for purification. In addition, inversions and most yoga asanas assist the lymphatic system. The lymphatic system circulates lymph fluid and transports cellular waste, viruses and bacteria from the tissues to the lymph nodes.


During these
 times of transformation being out in nature can help you feel
 centered and make the transition easier. Walking through the park or
 woods, digging in the dirt and breathing in the fresh spring air are
a few simple ways to harmonize with spring’s energy.  As you step outside for the first time each day, pause, breathe deeply and feel your feet on the ground. Notice what has changed around you. Are there new buds on the trees, or a new flower rising? Affirm to yourself that you, too, have the ability to change.



To help center your self at any point of the day–stop and actually smell the flowers!

Literally, smell a flower, taking a few full complete breaths, inhaling and exhaling slowly and deeply. Not only do you get the joy of a delicious scent, but breathing like this, while placing your mind on the flower, helps relax the mind’s habit of forwarding, rewinding, analyzing, worrying and complaining. Instead, you can become more centered and clear about what’s really important to you. Plus, it evokes the Relaxation Response, which literally calms your nervous system and brings down your heart rate, blood pressure, breathing rate and levels of stress hormones.


“Keep your faith in all beautiful things; in the sun when it is hidden, in the Spring when it is gone.” – Roy R. Gilson


Try this short 8-minute slow flow perfect to fit in every morning upon waking, or at any point during the day. Done regularly it can help create inner warmth, tone the abdomen, stimulate the digestive and elimination systems, open the lungs, and release overall tension.

I went to the dentist on Monday.

For the first time in 4 years.
Actually, that’s a lie. I haven’t been to the dentist in Sacramento CA in about 6 years.
Math is tough for me.
Also, I have that syndrome where when I look back in time, I always think it’s not as far away as it really is. For example, when people talk about the 90’s, I imagine them being only 10 years ago.
However it’s more like 15 years ago (for the mid 90’s).
Forgive me.
Anyway, I strongly considered lying about my flossing habits (which consist of not flossing) to both the hygenist and the dentist.
I mean, if there are two people who are okay to lie to, it’s them, right? You see them, what, once a year? Or in my case, once a decade?
So as I was lying there, the hygienist is holding my mouth open with the stick-mirror and a machete (or wait, it’s not a massive knife made to slice up your gums?) she asked if I floss.
::let’s enter Kate’s thoughts for a minute::
:::Just pretend you didn’t hear the question. Pretend you’re asleep. You should have checked narolepsy on your paperwork. They’ll never know.:::
:::Grunt. mmhhhhmmmm. It’s not like you can actually reply when their hands are in your mouth.:::
::back to reality::
So, as I sat there, suffering with the decision of whether or not I should lie, my heart started beating faster. I began to sweat. I was nauseated (possibly from the machete slices and the blood loss).
She pulled her hands out, looked me straight in the eyes and said, “Do you floss?”
Shamefully, I replied simply, “No.”
None of this, “I KNOW I should, but I don’t.”
“I’m too tired at night.” 
“I can’t find floss in the store.”
“It’s too expensive.”
“My cats are too cute and distract me from dental hygiene.”
Just, “No.”

No I don’t floss. I’m deeply sorry to break this news. I am ashamed. It’s an emotional subject.

Lesson learned.
The dentist arrived and was making small talk. He was very nice, and probably thought I was a perfectly normal person. Little did he know, I take poor care of my teeth.
Meanwhile, I’m panicking that I have at least 15-18 cavities, and he’s about to go in there and find them.  I’m sure glad I visited my Dentist in Sacramento to get my teeth cleaned!
I’ll have to have all of my teeth extracted. Maybe I could get a denture company to sponsor the blog and send me free teeth.
He lays me back, turns on the blinding light, and takes a peek.
To my shock and dismay, he tells me, “Everything looks good. No cativites.”
What? Is this a joke? Am I being Punk’d? Justin, are you here? God? Am I in heaven?
“Really? I thought for sure I had at least 18.”
He and the hygienist laugh.
“I was preparing myself for the worst, you know? So if you said I had 9, I would think ‘oh, pssshhh, that’s nothing!”
They continue to laugh.
And now I’m laughing, from pure hysterical joy that 1. No cativies.  2. No dentures. 3. The pain and suffering has ended!
The dentist leaves and the hygenist hands me a goodie bag with 56 containers of floss.
Just kidding, she wishes.
She did give me one. Travel size. It’s cute, I might try it out.
I walked out the door, beaming with pride about my apparently super strong teeth.
So visit my favorite Sacramento Dentist to take care of all of your dental woes today!

Rhinoplasty to better yourself

My entire life, I have always been uncomfortable with my nose. I Always felt that it was ugly, and it was all anybody ever looked at. I finally bit the bullet and did something that most people might call overkill. I had Rhinoplasty Surgery performed at Rhinoplasty Sacramento. At first, I was extremely nervous. I didn’t know what to expect, and I always thought that the staff would judge me right when I walked in. I couldn’t have been more than wrong. The staff was very courteous, and they made me feel like family.

My first appointment was basically a consultation. I walked in, signed in at the receptionist desk, and waited to be called. It only took about 5 minute to be called! I walked in, and sat down in the office. The doctor walked in and we talked about my options. We didn’t just talk about different shapes, but we talked about why I wanted to have Rhinoplasty done! I really appreciated the doctor taking that time with me. It was a little hard to talk about at first since I’ve never really talked about doing that, but as soon as he asked me a few questions, I was like an open book! I told him how I always looked at my nose, and how I thought it was all anyone ever noticed. But he re-assured me that My nose didn’t look bad at all, and told me it was all just personal preference. If I wasn’t happy with my nose, I should get it changed because it’s what I wanted. I ultimately decided to go ahead with the procedure, so we set up another appointment to iron out all of the final details.
When my second appointment came along, I had a fairly good idea of what I was looking for. What made it even better was the doctor had a picture of me on his ipad that he was able to adjust the appearance of my nose with! He was able to change it right in front of my eyes. I have never seen anything so marvelous! Trust me, If you guys have been thinking about having this done, You absolutely need to visit Sacramento Rhinoplasty today! You will leave a completely happier person!


Office at Sacramento Rhinoplasty

The day finally arrived for my procedure, and It went smooth as can be! I was thrilled with how simple everything ran. I didn’t feel anything, and recovery was just a few weeks. When I took my bandages off, I was absolutely speechless. I could not stop looking at my nose. It was absolutely perfect! The experience was something I would share with anybody looking to have this kind of surgery done. Now, everywhere I go, I am confident with myself. I’m confident with how I feel, the way I look, and the way other people view me. Overall, I am a much happier person, and I couldn’t have done it without the help of Rhinoplasty SACramento!

If you live in a different area, be sure to check out California Rhinoplasty for an office near you!

Binge Eating

I used to hide food in the dark: backs of drawers, under the bed, corners of the closet and in zipped pockets of purses. Now all my food is in kitchen cabinets, where the light can find it.

When I think of all the food I used to hide, for some reason the first, and sometimes only, thing that comes to mind is Ritz crackers. I can still taste the first bite — crisp then crumbly, salty then buttery. Sometimes I would eat them so quickly that they would get stuck in my throat. I’d have to then take a minute, maybe two, to generate some extra saliva so I could mash it all up, and then I’d have a big ball of cracker remnants to swallow down. That, too, was enjoyable. Gross, I know, but so satisfying in the moment.

Once I went to therapy years later, I learned that binging is a way to numb out. And that mostly made sense to me. But lately I’ve been wondering if it was so much a way to feel nothing as a way to feel everything: the daring of how quietly I could open the package, opening my drawer a crack to see the promise awaiting me, the feel of the food in my hand just before I took the first bite, the rich smell of what was to come and the kaleidoscope of taste. All of my senses were not only engaged, but acutely alive — at least before the process really got going.

As it ramped up, of course, everything quieted. It was just me and the chewing, bite after bite after bite after bite. After that, it was all about the moment: stuff, chew, swallow; stuff, chew, swallow. This was my first experience of presence and oneness. In retrospect, of course, I wish I hadn’t had to initially get that feeling from compulsion, but the impulse for feeling and connection was right. I just needed a different door to go through.

Later, I found the door of yoga and meditation. Through it, I again found that in-the-moment bliss I’d experienced from binging, but without the shame hangover of a distended stomach, digestive problems, and evidence to get rid of.

What a gift it is to realize I wasn’t wrong or broken to go through that first door all those years ago. Something inside me knew what I needed, and it is strong and good and human that I found it the best way I knew how at the time, even if in retrospect I sometimes wish I hadn’t had to see what was behind that first door. The blessing of the passage of time is that we get to see there are other ways, too. And bring ourselves and our stories into the light.