GENERAL HISTORY OF DOGS.

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There is no incongruity in the idea that in the very earliest period of man’s habitation of this world he made a friend and companion of some sort of aboriginal representative of our modern dog, and that in return for its aid in protecting him from wilder animals, and in guarding his sheep and goats, he gave it a share of his food, a corner in his dwelling, and grew to trust it and care for it. Probably the animal was originally little else than an unusually gentle jackal, or an ailing wolf driven by its companions from the wild marauding pack to seek shelter in alien surroundings. One can well conceive the possibility of the partnership beginning in the circumstance of some helpless whelps being brought home by the early hunters to be tended and reared by the women and children. Dogs introduced into the home as playthings for the children would grow to regard themselves, and be regarded, as members of the family

In nearly all parts of the world traces of an indigenous dog family are found, the only exceptions being the West Indian Islands, Madagascar, the eastern islands of the Malayan Archipelago, New Zealand, and the Polynesian Islands, where there is no sign that any dog, wolf, or fox has existed as a true aboriginal animal. In the ancient Oriental lands, and generally among the early Mongolians, the dog remained savage and neglected for centuries, prowling in packs, gaunt and wolf-like, as it prowls today through the streets and under the walls of every Eastern city. No attempt was made to allure it into human companionship or to improve it into docility. It is not until we come to examine the records of the higher civilisations of Assyria and Egypt that we discover any distinct varieties of canine form.

The dog was not greatly appreciated in Palestine, and in both the Old and New Testaments it is commonly spoken of with scorn and contempt as an “unclean beast.” Even the familiar reference to the Sheepdog in the Book of Job “But now they that are younger than I have me in derision, whose fathers I would have disdained to set with the dogs of my flock” is not without a suggestion of contempt, and it is significant that the only biblical allusion to the dog as a recognised companion of man occurs in the apocryphal Book of Tobit (v. 16), “So they went forth both, and the young man’s dog with them.”

The great multitude of different breeds of the dog and the vast differences in their size, points, and general appearance are facts which make it difficult to believe that they could have had a common ancestry. One thinks of the difference between the Mastiff and the Japanese Spaniel, the Deerhound and the fashionable Pomeranian, the St. Bernard and the Miniature Black and Tan Terrier, and is perplexed in contemplating the possibility of their having descended from a common progenitor. Yet the disparity is no greater than that between the Shire horse and the Shetland pony, the Shorthorn and the Kerry cattle, or the Patagonian and the Pygmy; and all dog breeders know how easy it is to produce a variety in type and size by studied selection.

In order properly to understand this question it is necessary first to consider the identity of structure in the wolf and the dog. This identity of structure may best be studied in a comparison of the osseous system, or skeletons, of the two animals, which so closely resemble each other that their transposition would not easily be detected.

The spine of the dog consists of seven vertebrae in the neck, thirteen in the back, seven in the loins, three sacral vertebrae, and twenty to twenty-two in the tail. In both the dog and the wolf there are thirteen pairs of ribs, nine true and four false. Each has forty-two teeth. They both have five front and four hind toes, while outwardly the common wolf has so much the appearance of a large, bare-boned dog, that a popular description of the one would serve for the other.

Nor are their habits different. The wolf’s natural voice is a loud howl, but when confined with dogs he will learn to bark. Although he is carnivorous, he will also eat vegetables, and when sickly he will nibble grass. In the chase, a pack of wolves will divide into parties, one following the trail of the quarry, the other endeavouring to intercept its retreat, exercising a considerable amount of strategy, a trait which is exhibited by many of our sporting dogs and terriers when hunting in teams.

A further important point of resemblance between the Canis lupus and the Canis familiaris lies in the fact that the period of gestation in both species is sixty-three days. There are from three to nine cubs in a wolf’s litter, and these are blind for twenty-one days. They are suckled for two months, but at the end of that time they are able to eat half-digested flesh disgorged for them by their dam or even their sire.

The native dogs of all regions approximate closely in size, coloration, form, and habit to the native wolf of those regions. Of this most important circumstance there are far too many instances to allow of its being looked upon as a mere coincidence. Sir John Richardson, writing in 1829, observed that “the resemblance between the North American wolves and the domestic dog of the Indians is so great that the size and strength of the wolf seems to be the only difference.

It has been suggested that the one incontrovertible argument against the lupine relationship of the dog is the fact that all domestic dogs bark, while all wild Canidae express their feelings only by howls. But the difficulty here is not so great as it seems, since we know that jackals, wild dogs, and wolf pups reared by bitches readily acquire the habit. On the other hand, domestic dogs allowed to run wild forget how to bark, while there are some which have not yet learned so to express themselves.

The presence or absence of the habit of barking cannot, then, be regarded as an argument in deciding the question concerning the origin of the dog. This stumbling block consequently disappears, leaving us in the position of agreeing with Darwin, whose final hypothesis was that “it is highly probable that the domestic dogs of the world have descended from two good species of wolf (C. lupus and C. latrans), and from two or three other doubtful species of wolves namely, the European, Indian, and North African forms; from at least one or two South American canine species; from several races or species of jackal; and perhaps from one or more extinct species”; and that the blood of these, in some cases mingled together, flows in the veins of our domestic breeds.

Environmental Toxins’ Toll on Your Dog or Cat

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We know toxins are out there. We usually go out of our way to avoid them. But even if we eat organic food and use natural cleaning products, we are still exposed to environmental toxins on a daily basis. And so are our pets.

Some toxins are unavoidable. We have to breathe air. Car fumes and industrial airborne waste are the main pollutants found in outdoor air. Indoor air pollution is on the rise too. The average home or workplace is stuffed full of furniture, carpets, plastics, paints and solvents – all emanating toxic chemicals.

They’re in our water: Pesticides, poisons (such as arsenic and lead), and even prescription medicines – all end up in the water supply.

They’re in our food: Canned, frozen, pasteurized, decaffeinated – all have collected chemicals somewhere along the way. Even your organic apples may come wrapped in toxin-spewing plastic.

They’re even in our clothes: And it’s not only man-made fabrics that contain chemical toxins. A plain cotton T-shirt retains the pesticides and insecticides used for growing the cotton. Add in processing chemicals, flame retardants and stain repellents (not to mention a liberal dose of synthetic dye) and you have a toxic concoction you might not be inclined to put next to your skin.

Should we worry?

Yes! The FDA sets levels that they deem safe for a particular chemical in the environment or in a product. But (typical of the FDA’s favoritism toward big business at the expense of the consumer’s health) this “safe” level doesn’t take into account the accumulation of hundreds of synthetic chemicals mixing inside our bodies. We are ingesting not just a chemical cocktail but a toxic time-bomb.

In 1999 the Centers for Disease Control and Prevention began testing thousands of Americans for toxic chemicals present in blood, body fat and organs. So far, over 200 different chemicals have been measured in people’s blood or urine. The tests are ongoing and more toxins are being added to the danger list every year.

What harm do these toxins do?

Toxins cause free-radicals to form inside the bodies of humans and animals. Free radicals attack healthy cells and can cause the onset of serious illnesses such as cancer and neurological diseases such as Parkinson’s or Alzheimer’s. Our cleverly evolved bodies can handle small amounts of some chemicals, but most accumulated toxins are going nowhere unless we take action to get rid of them.

What can we do?

Thankfully there are simple, 100% natural ways we can eliminate environmental toxins from our bodies.

Zeolite

Zeolites are a group of porous minerals usually containing hydrated aluminium and silicon compounds. Natural zeolites are found in volcanic rock. Scientific studies have shown zeolite to absorb radioactive materials. Earlier this year in Fukushima, Japan, huge amounts of zeolite were dumped into the sea to ‘soak up’ the radioactive substances from the crippled Fukushima nuclear plant following the earthquake and tsunami.

Zeolite is used medicinally for chelation (meaning it bonds with metal ions) and adsorption (meaning it binds drugs and other poisons to its large molecules). Charcoal and clay have similar adsorption properties. When heavy metals (such as arsenic, copper, lead, mercury and uranium) bond with the zeolite molecules, they are then flushed out through the urine.

Other natural methods of eliminating toxins come from the plant world. When it comes to environmental toxins, it is the liver and the kidney that bear the burden. These organs have the important functions of filtering toxins and removing waste from the blood. The liver also produces bile which aids digestion and helps break down toxins. Some herbs increase the detoxifying function of the liver and kidneys by increasing bile and/or urine production.

Dandelion Root (Taraxacum Officinale)

A folk medicine favorite, herbalists have long used dandelion root to detoxify the liver and gallbladder. Countless scientific studies in recent decades have affirmed this detoxifying function.

Burdock (Arctium Lappa)

Another natural detoxicant, Burdock root, is used in Asian and Chinese medicine for a variety of ailments and is known to remove toxins from the blood. The roots are popular as a food in the Far East and China.

A 1996 study in Taiwan found that Burdock root also enhances free radical scavenging. It contains powerful antioxidants which are essential in the battle against free radicals.

Dandelion and Burdock are often used in combination. Even in 13th century Britain, the fermented roots of dandelion and burdock were used as a bitter liver tonic. And for good reason. These two toxin-expelling herbs both have a cholagogue action. This means they increase bile production to help digestion and nutritional uptake, and they help to detox both liver and kidneys.

Milk Thistle

A long-known folk remedy for liver disease, this wonder tonic contains Silymarin, an active compound extracted from milk thistle seeds. Evidence shows that Silymarin protects liver cells from toxic chemicals. Studies have shown Silymarin to actually promote the growth of new, healthy liver cells. Silymarin is also a flavanoid, meaning that it fights oxidation, the process by which free radicals damage cells. A University of California study in 2007 showed that this truly amazing compound can even reduce the growth of cancer cells in the liver.

Pets need to detox too

These minerals and herbs are safe and effective for both you AND your pets Dogs and cats absorb as many toxins as humans (if not more), and are in just as much need of a regular detox.

I recommend a unique combination of Zeolite, Dandelion root, Burdock root and Milk Thistle in a high strength herbal-mineral detoxicant called MaxoTox. Mary and I take our MaxoTox faithfully every single day and so do our two Dachsunds, Tucker and Gracie. This 100% natural formula is fully guaranteed to scrub away environmental toxins deep down at the cellular level, giving both you and your precious pets a whole new lease on life.

Author Resource:->  Gary Le Mon is a board certified Master Herbalist specializing in drug-free natural remedies for dogs and cats. Stop by the website for important, free information on detoxing your pets at home plus BOGO Specials.

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What Homeowners Need to Know When Facing Foreclosure

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Understanding the Foreclosure Process

What Is Foreclosure?

Foreclosure is the process that allows a lender to recover the amount owed on a defaulted loan by selling or taking ownership (repossession) of the property securing the loan. The foreclosure process begins when a lender files the appropriate documents with the appropriate officials (see below for more details).

Colorado Foreclosure Laws

Colorado foreclosures occur through both in-court (judicial) and out-of-court (non-judicial) proceedings.

The judicial process is used when no power of sale is present in the mortgage or deed of trust. The process begins when the mortgage lender files suit with the court system. The borrower then receives a letter from the court demanding payment. Typically, you’ll be given 30 days to respond with payment or a written response to the bank’s attorney and parties involved. If you do not respond within the time limit given, a judgment will be entered and the lender can request sale of the property by auction. If you file a written answer with the court, there is a hearing and the process takes longer and can even be forestalled. If a judgment is entered, then an auction date will be set, usually several months in the future. Once the property is sold, you’re served with an eviction notice by the sheriff’s office, and you must vacate the home immediately.

The most commonly practiced method of foreclosure in Colorado is the non-judicial foreclosure process. It is carried out by a Public Trustee who acts as an impartial party. The process begins when the lender files the required documents with the Public Trustee of the county in which the property is located. The Public Trustee then files a “Notice of Election and Demand” (NED) with the county clerk and recorder. Once the NED is recorded, the Public Trustee Sale of the property is scheduled to take place between 110 and 125 days of the recording.

Pre-foreclosure Period

Many factors can lead to default of payment on a home loan and eventually foreclosure. Many are not the fault of the homeowner. Perhaps it is due to a hardship (loss of income, military deployment, health or family issues) or to “loan fraud” or “creative financing” by the banks (Adjustable Rate or ARM, Option ARM, Negative Amortization, or Interest Only loan). Whatever the cause, facing foreclosure is not an enjoyable experience.

The foreclosure process usually begins after the homeowner has missed several payments and different attempts have been made by the bank to collect. Let’s look at what typically takes place and what you can normally expect.

Day 1: You miss your first payment

Day 1-15: Grace period (Some lenders only allow 10 days)

Day 16-30: A late charge is assessed

Day 30: Borrower is in default

Day 45-60: Lender sends “demand” or “breach” letter, and phone calls begin

Day 60-90: Lender sends letters and makes phone calls. A repayment plan or a loan modification plan may be offered.

Day 90-105: The lender refers the loan to the loss mitigation department/foreclosure department and retains an attorney to handle the foreclosure.

Day 90-?????: The lender’s attorney files the required documents with the Public Trustee, who then files a NED with the county clerk and recorder. Once the NED is recorded, the property is scheduled to be sold within 110-125 days at a Public Trustee Sale.

Notice of Sale / Auction

Once the NED (Notice of Election and Demand) is recorded, the notice must be published in a newspaper of general circulation within the county where the property is located for a period of 5 consecutive weeks. The Public Trustee must also mail a copy of the published notice to the homeowner within 10 days. At least 21 days before the Public Trustee Sale, the Public Trustee must mail a notice to the homeowner describing how to redeem the property and stop the sale.

If the homeowner wants to redeem the property and stop the Public Trustee Sale, he must file an “Intent to Cure” with the Public Trustee’s office at least 15 days prior to the foreclosure sale. He then has up till noon of the day before the sale to bring the loan current and redeem the property.

The Public Trustee typically conducts the sale at the courthouse. Bidders must register in advance and have funds available. At the sale, the public trustee reads the written bid submitted by the lender, then any registered party may bid. The winning bidder is given a certificate of purchase.

Redemption Period

There is no longer any redemption period for the homeowner after a foreclosure sale in Colorado.

How to Avoid Foreclosure -What Are Your Options?

FORECLOSURE!

It’s a harsh word that most people avoid thinking about…until they have to. If you are several months behind on your mortgage, without money for professional help, and at the end of your rope…foreclosure may be the ONLY thing you can think about. It preys on your mind and leaves you feeling lost and vulnerable to the come-ons of the unscrupulous ‘professionals’ who say that they are experts in foreclosures, but aren’t. STOP!

You may be in a difficult situation, but it is not hopeless. Foreclosure is not your only option! My name is David Stitt, and I’ve got good news for you. You do have alternatives. You just can’t see them right now. But by the time you finish this short guide, your vision will have cleared and options for your future…good options…will be right before your eyes.

You are not alone! In the United States, foreclosure filings have increased consistently over the past few years, with more new foreclosures reported in every quarter, pushing the foreclosure market to record levels. So you are not alone. But if you’re like the many thousands of people facing foreclosure, you’re scared and confused. You’re overwhelmed by the legal mumbo-jumbo of foreclosure litigation. You don’t know who or what to trust. You’ve undoubtedly been pinned to the mat by Realtors and Attorneys, warning you about the dire consequences you’ll face if you don’t use their services. Or maybe you’ve worked with mortgage brokers. They promise the world – or world-class loans – and then they don’t deliver. And then there’s the holder of your mortgage who is unwilling (maybe after months of negotiating) to budge an inch when it comes to working out a more affordable payment plan.

After all you’ve probably been through, I’m not surprised that you’ve given up hope for a ‘good’ solution and may feel resigned to accepting foreclosure and the years of damage it will do to your credit rating. Once again, STOP! Don’t fall into despair. Things are not as bad as they seem. There are other options.

A helping hand when you need it.

This Survival Guide is exactly what the name says it is: a simple, no-nonsense approach to foreclosures. It was created to help you and other homeowners become better informed about the details of the foreclosure process. I believe that knowledge is power…and I hope that this guide will give you the power to avoid foreclosure entirely.

Once you know the facts, you’ll be able to make a well-reasoned and thoughtful decision and then take action with the confidence that you’re doing what’s best for you.

On the next couple of pages, we are going to take a look at your different options and the pros and cons of each. You will be given the information you need to make a well-educated decision regarding your situation.

What Are Your Options?

Forbearance

Forbearance is a payment plan that a debtor enters into with a lender when they are unable to make timely payments, often due to illness or another temporary situation. In forbearance, the lender will allow you to delay payments for a short period. You agree that after missing payments for a few months you will bring the account current by making larger payments. The problem is, more than 85% of debtors default after the first payment. They cannot continue to make the inflated payments after the forbearance period ends, and they are right back where they started.

Loan Modification

A loan modification is a permanent change in one or more of the terms of a mortgagor’s loan. This may help you catch up by reducing the monthly payments to a more affordable level. You may qualify if you have recovered from a financial problem and can afford the new payment amount. However, Loss Mitigation Departments are now undermanned, under experienced, and overworked. Nightmare stories abound on the subject of patrons having to hound and harass Loss Mitigation Departments to get their paperwork pushed through to escape foreclosure. After all the hassle, most homeowners are still denied any help and end up in foreclosure.

Partial Claim

Your lender may be able to work with you to obtain a one-time payment (loan to be paid at end of mortgage) from the FHA-Insurance fund to bring your mortgage current. You may qualify if your loan is 4-12 months delinquent and you are able to start making full mortgage payments.

Deed-In-Lieu (Voluntary Foreclosure)

As a last resort, you may be able to voluntarily “give back” your property to the lender. You may qualify if you are in default and don’t qualify for any of the other options, your attempts at selling the house before foreclosure were unsuccessful, and you don’t have another FHA mortgage in default. “Foreclosure” will most likely be reported on your credit report.

Loan Assumption

This is where someone else takes over the payments of your loan, usually in exchange for your property. Loans made after 1988 are almost never assumable.

Bankruptcy

Many debtors will spend a lot of money for an attorney to file a Chapter 13 bankruptcy – which is really a payment plan – only to lose the house. In essence you are paying the attorney instead of the lender. Before acting, know how much the process will cost and what your new increased monthly payment will be. Also know that if you miss one payment, your Chapter 13 will be dismissed and you will need to file Chapter 7. This will cost more attorney fees, assets, including your house will be liquidated and your credit report will still show a foreclosure.

Sale of Property

If the homeowner has equity in the property they can and should consider selling the property. The homeowner will receive a check at closing for equity over and above what is owed and closing costs paid. Most homeowners in foreclosure, however, have little or no equity. Be careful listing with a Realtor that can tie up your property for months.

Do Nothing

When it comes to the threat of foreclosure, procrastination is a prescription for disaster. Doing nothing changes nothing. Unless you take action, you will end up in foreclosure and your credit will suffer for the next 5-7 years.

Pre-Foreclosure Sale (Short Sale)

The pre-foreclosure sale program allows the lender in default to sell his/her home and use the net sale proceeds to satisfy the mortgage debt, even though these proceeds are less than the amount owed. It has two major advantages over a foreclosure: (1) You may be eligible for a new home loan after just 2 years instead of 5. (2) You should be able to avoid a deficiency judgment. When a house is sold at auction, the chances of the foreclosing lender filing a deficiency judgment increases dramatically. They will have years to come after you or to sell it to someone else who will.

As you can see, there are several options to consider – but consider you must! You cannot afford to stick your head in the sand like an ostrich and do nothing. Being in the state of denial is a bad state to be in! And as we said earlier, procrastination is a prescription for disaster.

Questions You Need to Ask

Questions You Need to Ask Yourself

1. If I file Chapter 13 Bankruptcy, will temporary relief from my monthly mortgage payments mean that I will be able to stop foreclosure forever…or will I be unable to keep up with my payments when they resume and I end up in foreclosure again?

2. If I choose Forbearance or a lender payment plan that gives me temporary relief from payments I can’t afford now….will I be able to afford the inflated monthly payments that I’ll have to make in the future, or will I end up in foreclosure again?

3. If I am unable to meet my monthly expenses now, can I commit to a payment plan…or should I just give up my house to a lender with a Deed In Lieu and accept the bad foreclosure mark on my credit history?

4. If I do something now, will I have more options available to me…or should I wait until the sheriff is at my doorstep with an Order to Vacate and hope that he/she will show me mercy?

5. If I consult with an experienced Real Estate Investor, will I be able to get out of this situation without ruining my credit…or is my only option to spend thousands of dollars for Attorney fees, Realtor commissions and still run the possibility of losing my house?

Questions to Ask Your Mortgage Broker

1. Do you guarantee in writing that you will close my loan before my case goes before a judge in court?

2. What interest rate will you charge?

3. How many points do you charge?

4. What will my monthly payments be compared to what they are now? Higher? Lower? The same?

5. What will the total of all closing costs be?

Questions to Ask Your Attorney

1. If I file for Chapter 13 bankruptcy, will it stop foreclosure or just stall it?

2. What are your fees for filing bankruptcy papers and handling my case?

3. What will my monthly payments be compared to what they are now? Higher? Lower? The same?

4. What happens if I default on my payments because I can’t make them?

5. Can’t I file a bankruptcy myself at the courthouse and save thousands of dollars?

Questions to Ask Your Realtor

1. Do you guarantee in writing that you’ll sell my house before my case goes before a judge in court?

2. Do I have to pay your commission if I find someone on my own who wants to buy the house?

3. How much do I owe you if you don’t sell the house and I lose it to foreclosure due to a judge’s ruling?

4. If the sale price doesn’t cover my indebtedness and your commissions, do I have to reach into my own pocket to pay you?

5. How long will your listing contract tie up the house and entitle you to a commission?

Questions to Ask Your Foreclosing Lender

1. Can you work out a payment plan (forbearance) with me and will you put everything in writing before I agree to it?

2. If I agree to these terms, will you agree in writing to stop the foreclosure?

3. What will my monthly payments be, compared to what they are now? Higher? Lower? Same?

4. If I’m late on this payment plan, do you start where you left off with the foreclosure?

5. Since forbearance means a big increase in monthly payments, can you tell me how many people end up back in foreclosure because they cannot afford the monthly payment?

What To Do Now

Step 1: Get answers to your questions.

Not only do you need answers to the questions above, but there may be other questions you are asking yourself. Don’t be intimidated by the ‘experts’ you’re consulting. Remember they work for you.

Step 2: Make a decision…and follow through on it!

Once you have the facts you can decide on how to proceed and who you need to help you. The sooner you act, the sooner you can reverse the downward spiral and change your credit from bad to better.

Step 3: Act Now!

After you’ve done your homework and feel you’ve come to an informed decision, you’re halfway there. Don’t let inertia set in. Don’t procrastinate. ACT NOW before your window of opportunity closes.

One final thing to consider: Get a Forensic Loan Audit!

A large majority of the loans made during the last 10 years, especially sub-prime and adjustable rate mortgages were not done properly and have errors and violations.

The Forensic Loan Audit is the FIRST STEP you should take to properly prepare for any type of litigation or any type of solution when dealing with your lender. Audits are used as a valuable tool to get your file to the top of the lender pile and to get your case noticed and heard!

The more violations found in your mortgage, the more LEVERAGE you have to argue your case against your lender. With millions of homeowners requesting financial solutions, it is increasingly more difficult to get the results you want when you need them. You need every tool, every amount of leverage possible! The Forensic Loan Audit is that tool!

David Stitt

1-866-666-2269 ext 504

[http://www.NewHopeAudits.com]

davidstitt@mail.com

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Debt Negotiation

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debt negotiationIs your debt taking over your life?  If you are struggling to pay your bills, you should attempt to negotiate directly with your creditors.  However, the idea of having to negotiate directly with your creditors can be a scary notion.  Therefore it may be helpful to seek out an attorney and/or a consultant who is able to act as an intermediary between you and your creditors.  A debt negotiation attorney can help you reduce your debt or help to convince the creditors to allow you to make payments over time.  An attorney can help stop the constant letters and harassing phone calls that collection firms use to try coerce payments.

As a Legal Shield member when you have questions just pick up the phone and call your provider attorney.

With your LegalShield membership you don’t have access to one law firm but thousands of law firms. LegalShield is a network of law firms serving you.  There is a specialist for every kind of problem.  The sharing of information between law firms ensures that the network of firms are up to date on every strategy to handle your concerns.

Like this on Facebook and recommend this page on Google to at the top and bottom of the page if you think others could benefit from this information.

Go to the video library to see how Legal Shield can help you get answers today.

To see what plans are available in your state follow the link to Find your State’s Plan

To get your Legal Shield membership right now click membership .

Preventing Foreclosure

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If you have fallen behind on your mortgage payments you may be afraid that the lender will foreclose on your home.  While the lender can declare the mortgage to be in default and begin the foreclosure proceedings, there may be other options for the homeowner.  First Foreclosureyou need to take a look at your mortgage agreement because it could include a clause called an acceleration clause.  This means that when you stop making your mortgage payments the lender could require you to pay any overdue mortgage payments as well as require you to pay the mortgage in full.   Before the foreclosure is finalized the lender will usually send you a notice of foreclosure proceedings.  Whether foreclosure is the right option for you depends on a variety of factors, an attorney may be able to help you avoid foreclosure by negotiating a reduced payment plan or other workout solutions with your lender, so that you can keep your home.

With your Legal Shield membership you don’t have access to one law firm but thousands of law firms. Legal Shield is a network of law firms serving you.  There is a specialist for every kind of problem.  The sharing of information between law firms ensures that the network of firms is up to date on every strategy to handle your concerns.
As a Legal Shield member when you have questions just pick up the phone and call your provider attorney.

Like this on Facebook and recommend this page on Google to at the top and bottom of the page if you think others could benefit from this information.

Go to the video library to see how Legal Shield can help you get answers today.

To see what plans are available in your state follow the link to Find your State’s Plan

To get your Legal Shield membership right now click membership .

Miranda Rights: Know Your Rights

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Most of us know about our Miranda Rights, you know your right to remain silent.  The right to have an attorney present during questioning, but most us are less clear about when and where those rights apply.  Law enforcement must warned you about your Miranda Rights whenever you are a suspect or questioned in a criminal manner and held in police custody.  Often figuring out whether you are in police custody is the hard part, but the Miranda Rights - Legal Shieldconcept is simple.  You are considered to be in police custody and entitled to Miranda Rights warnings if a reasonable person would believe that his or her freedom to leave the situation is restrained.  Regardless of whether the police have formally arrested the person.  The failure to properly give someone their Miranda warning may have serious implications in prosecuting someone for a crime.

As a Legal Shield member when you have questions just pick up the phone and call your provider attorney.

Like this on Facebook and recommend this page on Google to at the top and bottom of the page if you think others could benefit from this information.

Go to the video library to see how Legal Shield can help you get answers today.

To see what plans are available in your state follow the link to Find your State’s Plan

To get your Legal Shield membership right now click membership .

Consumer Rights: Credit Card Statement is Wrong Now What

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Consumer RightsSometimes we receive a credit card bill that seems far too high.  The first thing to do is check the statement to make sure that it is the correct account.  If there is a billing error you should first contact the credit card company and make sure it is not a mistake.  It may be helpful to write a letter to the credit card company’s billing department if they refuse to change your bill.  In the letter make sure to include any account identification information that you have as well as which charge is in dispute.  Finally include why the specific charge is wrong, make sure to include all reasons even if it is as simple as you didn’t like the product or service.  Make sure to keep a copy of the letter and send it certified mail so that you have proof.  If you believe there is a legal reason to dispute the charge for example, fraud or misrepresentation, an attorney may be your best option for resolving the dispute.

As a Legal Shield member when you have questions just pick up the phone and call your provider attorney.

Like this on Facebook and recommend this page on Google to at the top of the page if you think others could benefit from this information.

Go to the video library to see how Legal Shield can help you get answers today.

To see what plans are available in your state follow the link to Find your State’s Plan

To get your Legal Shield membership right now click membership .

Identity Theft: A Review of Kroll’s

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Kroll’s Identity Theft Shield Plan

Identity Theft Shield PlanSince the 1990′s, identity theft has grown to be a significant segment of the white-collar crime problem throughout the United States and Canada.  As a result thousands of dollars are being lost by both business and individuals and ending up in the hands of criminals. Not only has it resulted in immediate financial losses, but also damaging the reputations of innocent victims leaving them with ruined credit histories thwarting career advancements and home purchases. Identity theft is one of the major problems facing society in the 21st Century.

Realizing that this problem is a growing concern for people in both the US and Canada, Kroll Fraud Solutions has developed their Identity Theft Shield program. This program isIdentity Theft marketed by LegalShield and is designed to help protect your driver’s license number, social security, character/criminal actions, financial transactions as well as your medical records. By looking at your credit bureau reports and other important data, the program offers top-quality protection to your identity.

This program differs from its competition in that it is backed by one of the largest risk management and fraud prevention companies in the world. Kroll Fraud Solutions stands side by side with you to help restore your identity in the event that anyone happens to steal it. They offer up to $1,000,000 in protection to help restore your identity if it is stolen for any reason. By using proactive searches of national databases and setting fraud alerts on your credit report, this program seeks to stop identity theft before it happens to you. Another fact that sets Identity Theft Shield apart from its competition is that it offers protection for the entire family. Many other programs simply offer individual protection and then charge a fee for each additional person needing identity theft protection. The Identity Theft Shield program wraps this all together in one low monthly cost. This saves your family money because you will not face having to pay for multiple identity protection policies.

Identity Theft PriceIdentity Theft Shield Fraud Solutions from Kroll offers numerous advantages not found in other programs. Kroll is compliant in every way that is important to you with the Fair Credit Reporting Act and other national regulations regarding credit reporting. A company that has more than 30 years of expertise in preventing and investigating criminal fraud. Also one of the few companies that is compliant with the Safe Harbor Act.  Investigators and customer support personnel that understand the importance of recognizing a credit fraud violation as a leading indicator of a larger identity theft problem. Overall, this program is designed to provide better identity protection than any other program on the market.

As a Legal Shield member when you have questions just pick up the phone and call your provider attorney.

Like this on Facebook and recommend this page on Google to at the top of the page if you think others could benefit from this information.

Go to the video library to see how Legal Shield can help you get answers today.

To see what plans are available in your state follow the link to Find your State’s Plan

To get your Legal Shield membership right now click membership .

Payday Loans: Watch Out

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Legal Shield: Payday LoansIf you need money in a pinch but are unable to secure a traditional loan you may be able to get a loan from a payday lender.  These businesses offer very short term loans that typically carry high interest rates.  To prevent these companies from taking advantage of the public many states have passed laws that restrict the amount of interest they can charge.  Payday lenders justify the high interest they charge saying it is necessary in order to protect against risky borrows.  Regardless of the reason for many, the option of a payday loan can be helpful in a tight spot.  If you ever take out a payday loan or cash advance be sure to pay off the loan as quickly as possible.

As a Legal Shield member when you have questions just pick up the phone and call your provider attorney.

Like this on Facebook and recommend this page on Google to at the top of the page if you think others could benefit from this information.

Go to the video library to see how Legal Shield can help you get answers today.

To see what plans are available in your state follow the link to Find your State’s Plan

To get your Legal Shield membership right now click membership .

Car Accident: Have You Been Injured

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car accidentIf you were in a car accident and suffered an injury; this is the most common type of personal injury.  You will need to speak with an attorney.  The majority of us want to do the right thing by being responsible for our actions, however this is not always the case.  In reality, often how the situation plays out is not up to the individual who caused the situation, but up to the insurance company covering the claim.  Not to be one sided on this issue, the reason insurance companies put up such a fight to pay a claim is because of the amount of fraud out there.  The simple fact is that if they didn’t put some resistance premiums would go through the roof, who do you think actually covers that outflow of cash, that’s right you and me the insured’s.

A skilled accident or personal injury attorney will know how to discuss the case with the insurance company, develop your case, and consider your circumstance if a trial is necessary. It is not suggested that you meet personally with the insurance company without your attorney present.

Finding the proper lawyer could be a time consuming and hard task. Typically individuals start their own search if they are in need.  An attorney ought to be selected for their knowledge and also experience in accident cases.

The right attorney will have experience in cases such as yours and could take actions right away. The appropriate attorney will probably know where to start right away and not research your case or maybe check court decisions, as he/she should be familiar with your kind of case. Choosing the proper lawyer can save you time as well as money in the long run.

With your Legal Shield plan you don’t have access to one law firm but thousands of law firms. Legal Shield is a network of law firms serving you.  There is a specialist for every kind of situation.  The sharing of information between law firms ensures that the network of firms are up to date on every strategy to handle your concerns.

As a Legal Shield member when you have questions just pick up the phone and call your provider attorney.

Like this on Facebook and recommend this page on Google to at the top of the page if you think others could benefit from this information.

Go to the video library to see how Legal Shield can help you get answers today.

To see what plans are available in your state follow the link to Find your State’s Plan

To get your Legal Shield membership right now click membership .