Mamaroneck, New York

Qualifying for Chapter 13 Bankruptcy

The last choice for settling debts and avoiding foreclosures is to file for bankruptcy. Although it has its disadvantages such as carrying an unfavorable mark on your credit record for a certain amount of time, bankruptcy nevertheless helps in clearing out debts and giving debtors a new start.

Those who wish to get the benefits of Chapter 13 bankruptcy should know that not everyone is eligible. Knowing how Chapter 13 works can help in understanding if you qualify for it or you can choose another option. First, businesses (whether owned by one person or more) are not eligible for Chapter 13 if they wish to apply under the company’s name. You can only file for Chapter 13 as an individual, putting your business-related debts as your personal responsibility.

Next, to be eligible for Chapter 13 you must be able to prove that your income is enough for a repayment plan. This income is determined after deducting certain allowable expenses and necessary payments for secured debts. The repayment plan you present should allow you to pay for specified debts in full, otherwise the judge may not approve of your repayment plan. If you have applied for bankruptcy within 180 days but were dismissed, you are not qualified to file for Chapter 13. Also, those who wish to file for Chapter 13 bankruptcy should attend a certain number of sessions on credit counseling within 180 days before actually filing.

The advantage of Chapter 13 bankruptcy is that it allows debtors to keep certain properties or assets while paying their creditors. Chapter 13 bankruptcies is generally aimed for people who wished to pay off their debts in an acceptable setting, thus the need for a strict standard is necessary in order to increase the number of debtors who has the capacity to pay their creditors.

Mental Illness and Disability Benefits

Texans, and other people in the United States, commonly perceive disability as physical. When people hear the word “disability,” many envision of a person in a wheelchair, or someone who is unable to see or hear.

Mental disorders are less visible, but may be just as detrimental to living a normal life as physical disability. Some mental illnesses allow the person to claim Supplemental Security Income.

There are several disabilities that may enable the affected person to file an SSI claim. They are schizophrenia, mental retardation, anxiety-related disorders, somatoform disorders, affective disorders (including depression), substance addiction, and autism.

Individuals suffering from these conditions must be able to prove that their disorder prevents them from performing normal daily activities. This means that the disorder must be severe enough to drastically impact day-to-day life.

For example, a schizophrenic person who is still able to drive to work, buy their own groceries, and shower would be unable to claim benefits. Likewise, individuals who are limited by anxiety must be able to prove they have continuous and prolonged muscle tension, apprehension, and hyperactivity in order to claim benefits.

Clearly, some of these factors may be hard to prove. If you or a loved one is suffering from an extreme mental disorder in Texas, you don’t have to go on without aid. Please consider contacting an attorney to find out whether or not you could file for supplemental security income benefits today.

What is Whiplash?

Of the unseen effects of car accidents, whiplash is among the most common. Whiplash is the term applied to injuries to the cervical vertebrae (the seven vertebrae closest to the skull in humans) that occur as a result of hyperextending the neck. It is seen most often after car accidents, but can arise from other quick, unexpected jolts to the neck as as well.

When a car is struck from behind, the resulting force pulls its passengers’ skulls back, and then snaps them forward, similar to the cracking of a whip.

whiplash injuryThe resulting damage to the neck muscles and vertebrae can be severe. Some symptoms of a whiplash injury include:

  • Stiffness in the neck
  • Shoulder and back pain
  • Difficulty chewing
  • Dizziness
  • Headaches

Whiplash injuries can sometimes lie dormant for periods of weeks or months, making it difficult to pinpoint exactly when and how they occurred. There is no single definite treatment for whiplash, but pain medications and physical therapy can be helpful.

An Update: The Unseen Effects of Car Accidents

Because of the serious potential for significant injuries, the first thought that comes to mind when considering a car accident is to wonder if anyone is physically hurt. If the accident is serious enough, after all, the likelihood of serious physical injuries, or even death, is fairly high. According to the website of Schuler, Halvorson, Weisser, Zoeller & Overbeck, P.A., too few people consider the emotional and psychological trauma that can also result from car accidents.

Pain and suffering

This can be the basis for both actual and punitive damages in personal injury cases levied on those whose negligence or recklessness brought about the car accident. The effects of pain and suffering cannot be seen, measured, or submitted into evidence, and some of them only appear in subtle ways, or years after the event. But they can nonetheless be as real and as devastating as broken bones.


Post traumatic stress disorder (PTSD) is the umbrella term used for the psychological and emotional damage one sustains in a violent or traumatic incident, such as a car accident. One of the most common PTSD symptoms is anxiety. An accident bring a person face to face with the fragility of life, and many people can’t handle losing the feeling of safety they previously had.

As a result, some find themselves unable to enter or drive a car. Others relive the accident over and over again through nightmares, affecting sleep, work, and relationships.

In accidents where one or more people died, some people experience what is known as survivor’s guilt, another form of PTSD where the patient experiences a sense of worthlessness and accountability for the lost lives.  Without proper treatment, these symptoms of PTSD can permanently impair a person’s ability to function normally. It is up to car accident attorneys to ensure that the costs associated with recuperating, coping, and treating these unseen effects of car accidents will be shouldered by the person or persons whose negligence or carelessness caused the accident in the first place.

Goose Population Control Training to Be Held Thursday

In an effort to address the village’s goose problem, the Animal Defenders of Westchester will be holding a training seminar that will educate the public over a humane way to control the Canada goose population known as “egg oiling.”

As the name implies, egg oiling involves covering goose eggs in a thin layer of oil that seals it. This seal prevents oxygen and other vital chemicals from passing through the shell, humanely killing the gosling before it develops. It must be employed within a few days of the eggs being laid.

egg oilingWhen their populations get out of hand, geese are known to cause an array of problems, including:

  • Behaving aggressively near their nests
  • Contaminating water supplies
  • Leaving droppings and feathers where children play
  • Safety concerns on roadways

Many Mamaroneck residents are hoping egg oiling becomes the method the village chooses to employ to handle the troublesome goose population. While it may seem rather cruel to kill unborn geese, egg oiling is certainly more humane than the United States Department of Agriculture’s plan to reduce the goose population: rounding them up and slaughtering them.

The training session will be held on April 11th at the Mamaroneck Public Library at 6:00 pm.

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