Sometimes called “debt arbitration” or “debt negotiation,” debt settlement is an agreement made between a creditor and a consumer in which the total debt balance owed is reduced and/or fees are waived, and the reduced debt amount is paid in a lump sum instead of revolving monthly. Maybe you’ve seen the signs on the side of the road, or you’ve gotten solicitor calls or brochures in the mail that promise to “Settle your credit card debt” or “Eliminate debt now!” The offers are tempting but are they legitimate? Unfortunately, in some cases, the answer is no. Not only may these claims be dishonest, some are simply scams, trying to take advantage of desperate people. The term settlement comes from the idea that the creditor agrees to “settle” your account, and also generally includes the closing of the account. If you’re carrying a lot of debt or high credit card balances, you’ve probably seen the advertisements from debt settlement or credit card settlement companies that promise to help you settle debt for a tiny fraction of the amount of money you owe to creditors. But is debt settlement a good idea? And what are the benefits of debt settlement over other ways of resolving your financial difficulties? Debt settlement can help some people get out of debt at a cost that is less than what they owe. For others, debt settlement proves to be a costly mistake. How debt settlement worksYou stop making payments to your creditors for a period of time, often six months or more. Once your accounts are significantly overdue and your creditors are starting to get worried, you make a debt settlement offer of a small lump sum payment in exchange for erasing your debt. If your creditors believe this is the best they can get, they may be inclined to accept your offer. Alternately, they may choose to sue you or turn your case over to a collections agency. If your offer is accepted, you’ll have to pay your debt settlement agency as much as 25% of your savings, and the Internal Revenue Service (IRS) may take another 25%, leaving you with a much smaller windfall than you planned on. Is debt settlement a good idea for paying off debt fast?When you apply for debt settlement, it will take several months before you can make a settlement offer. If your debt settlement plan is successful, you may be able to erase your debt more quickly than by making regular payments over time, but it’s not an ultrafast fix. Is debt settlement a good idea compared to bankruptcy?Conventional wisdom is that bankruptcy should be a last resort for people in financial trouble. Filing for bankruptcy will likely mean you’ll have to give up some of your assets, and your credit rating may be damaged for up to 10 years. One positive note: bankruptcy can be a quick process, enabling you to start a new financial life and begin rebuilding your credit more quickly than other options. Is debt settlement a good idea instead of consolidation?Debt consolidation is a way of simplifying your finances and reducing the amount of interest you’re paying on loans and credit cards. It will not adversely affect your credit rating, but it likely won’t help you pay off your debt quickly. Is debt settlement a good idea compared to debt management?Debt management is another strategy for paying down debt that does not involve stopping payments to your creditors. Consequently, your credit will not be significantly impacted under a debt management program. Debt management is essentially a way of managing your financial life more carefully to allow you to pay down debt more quickly, while getting help from financial professionals to learn to live debt-free in the future. Is debt settlement ever a legitimate and viable option?Yes, but only in certain conditions, and it can cause potentially negative effects to your overall monetary situation and credit score. Each creditor’s policy on account settlement varies, and it is always a creditor’s right to dictate their own terms. Determining factors may include the total amount of debt owed, the length of time an account has been active, and the length of time the account has been delinquent, along with other criteria. Cons of Debt Settlements1. Debt Settlement Fees • Reduce balances on revolving accounts: The second most important factor in credit scores is your utilization rate the amount of credit you’re using relative to your overall credit limit. If you tend to carry high balances on your credit cards, reducing that debt load will improve your utilization rate. How Debt Settlement Affects Your Credit ScoreThe reason debt settlement is considered a negative mark on your credit report is because settled debts are those that you’ve paid off for less than what you owed. Which means you didn’t pay the debt in full or as agreed. In most cases, it’s better to settle a debt than to continue to miss payments, but it will still ding your score. If possible, it’s best to settle your debts before they are charged off. A charge-off is when a lender “writes off” a debt after 180 days of not receiving a minimum payment from you on the debt. However, you still owe the debt and it will still appear on your credit report. This is also the point where a lender might sell the debt to a third-party debt collector. When a lender writes off your debt, they close your account and list it as a charge off, which hurts your credit score. For many people, though, it can be tough to both negotiate and come up with the money to settle several debts within a six-month time frame. So you might want to settle one card and target one that you can take care of before a charge off happens. The debt settlement process will especially hurt your credit score if you’ve stopped paying your creditors to save up money to settle your debts. That’s often what a debt settlement company will ask you to do if they’re negotiating on your behalf. When you pay off an account, your creditor updates your account to reflect the new status (closed or paid in full, for example). Debt settlement is the same: After you settle a debt for less than what you owe, the account will be designated settled. If you have no history of late payments, aka “delinquencies,” the account will remain on your credit report for seven years from the date the account was settled. Or if you did fall behind on your payments, the account will stay on your credit report seven years from when it first became delinquent and was never current again. But you can start improving your credit score before those debts disappear from your report. And the older those debts get, the less they’ll hurt your score. How is my credit score calculated?When considering how debt settlement affects your credit score, first it’s helpful to understand the factors involved, and how each is weighed. The amount of time it takes for your credit to start improving will largely depends on your credit history. If those settled debts are somewhat of an anomaly for you you’ve successfully paid off several debts in the past that will help your credit rebound. That shows lenders you are capable of paying your debts on time. Having other debt you’re still paying and are current on, such as a mortgage, car loan or other credit accounts will help, too. People with a fairly robust and positive credit history might be able to start improving their credit score in six months or possibly as little as half that time. If your credit history is skimpier, it could take much longer. For example, if you don’t have a history of paying off debt and you aren’t currently making timely payments on a mortgage, a loan or other credit cards. And if the accounts you settled were ones you’ve had for a long time, it could hurt your score because the length of your credit history (including the age of your oldest account) makes up 15% of your credit score. If you have a poor and/or thin credit history, it could take 12 to 24 months from the time you settled your last debt for your credit score to recover. Either way, you’ll benefit from debt settlement if that means you’re no longer missing payments. It will also improve your debt-to-income (DTI) ratio, the amount of monthly debt payments you have compared to your monthly gross income, and your credit utilization, which is how much credit you have available versus how much you’re using. Lenders look at your DTI in the loan approval process and your credit utilization makes up 30% of your credit score. Bankruptcy Lawyer For Settling DebtWhen you need to settle your debts and file for bankruptcy, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Why Is Settling Debt Bad? first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
Essential Advertising Rules For Businesses Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/why-is-settling-debt-bad/
0 Comments
Estate planning is a process that involves making advanced plans for end-of-life issues and for property and assets when one passes away. Any person may become sick or hurt, creating a situation where they need nursing care or where tough choices must be made about medical treatment. Every person will eventually pass away, which cause undue problems if no plans could have been made regarding assets and property. Estate planning utilizes legal and financial tools to address the issues that arise in case of illness, incapacity, and death. The planning process is different for everyone, because you may have your own unique goals, like supporting a charity or paying for your child’s college education. A good attorney will listen carefully to you, ask questions that help you to shape the estate planning process, and assist you in using the right tools. An estate planning lawyer is a type of lawyer who through years of mentoring, continuing legal education and experience, understands how to advise clients on getting their affairs in order to prepare for the possibility of mental disability and eventual death. What an Estate Planning Lawyer Does• Estate planning doesn’t begin and end with a last will and testament. An attorney specializing in this field will also draft living trusts, develop a plan to mitigate or avoid estate taxes, and work to ensure that your life’s savings and assets are safe from your beneficiaries’ creditors after your death. Estate Planning ProcessIt is natural for many people to put off planning their estates. After all, no one wants to anticipate his or her own death. In addition, many people may believe that only the wealthy require estate planning or that all that is involved is tax planning, which can be done later. They may well be wrong on both counts. Your level of wealth and the ultimate tax consequences of your estate become secondary to the planning and care of your family and other heirs. A well-structured estate plan is invaluable. Through it, you can control the distribution of your assets and possessions, as well as name guardians for your children or plan care for other dependents. While the estate planning process can raise some difficult emotional and personal issues, your heirs will be glad you did it, and you will know that your wishes are assured. Your first step should be to assemble a competent, professional estate planning team. Your attorney, financial service professional, insurance agent, bank trust officer, and/or accountant are all possible members of your team, depending on the size and complexity of your estate. They can help you complete an analysis of your current estate by looking at your financial position as of today and helping you analyze your family’s needs for the future. Hire an Estate Planning LawyerWhen considering if you need to hire an estate planning lawyer, consider this estate planning is serious business. One wrong word or one missing signature can change the entire intent of a will or trust. Aside from this, the reasons listed below should be enough to convince you to go out and find and hire a qualified estate planning attorney to draft your estate planning documents. • Estate Lawyers Are Necessary Since State Laws Rule Estate Plans: State laws are very specific about what can and can’t be in a will, trust, or medical or financial power of attorney; who can and can’t serve as a personal representative, trustee, health care surrogate or attorney in fact; who can and can’t be a witness to a will, trust, or medical or financial power of attorney; and what formalities must be observed when signing a will, trust, or medical or financial power of attorney. For example, in Utah, a personal representative must either be related to you by blood or marriage or, if not, then a resident of the state. This non-resident, non-relatives simply can’t serve, and in fact, won’t be allowed to serve, in Utah. Working with a qualified estate planning attorney will help you to avoid this kind of simple and yet costly mistake. Advantages of Estate PlanningTaking care of your family has always been the number one priority in your life, and that isn’t going to change. The best way to make sure they are taken care of after you pass is to establish an estate plan while you are still of sound mind. Here are the advantages of creating an estate plan:
Reasons You Need an Estate PlanWhile there are a variety of reasons why people decide to meet with an estate planning attorney and create an estate plan, here are the most valuable reasons. Estate Planning Lawyer In UtahWhen you need Utah Estate Planning Attorneys to help you, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Utah Estate Planning Lawyers first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
Foreclosure Lawyer Spanish Fork Utah Essential Advertising Rules For Businesses Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/utah-estate-planning-lawyers/ Whether your business is a mom and pop operation or has a multistate presence, it is important to be familiar with the applicable state and federal advertising laws. This article outlines basic advertising rules — where they come from and how they operate — and offers tips on how to make sure your business is in compliance. Where Advertising Law BeginsThe advertising rules that dictate what businesses can and can’t say in ads come from applicable state and federal laws. Typically, these laws focus on truth in advertising, deceptive advertising practices, and unfair advertising. State and federal laws and agencies aim to curb these advertising practices, require businesses to be truthful about their products or services, and to substantiate claims that they make in advertisements. There is a fine, but generally clear, line between a business making unsubstantiated claims (which violate the law) and simply making subjective boasts about their product. For example, you can claim to have the best tasting coffee, but you cannot advertise that everyone who drinks your coffee loves it or that drinking your coffee will help you live longer. Federal & State Law and EnforcementThe Federal Trade Commission (FTC) enforces advertising laws at the federal level, and every state also has a consumer protection agency which enforces state advertising laws. Additionally, the state attorney general and district attorney have the power to litigate against companies whose advertising harms citizens within their jurisdiction. FTC Advertising LawsUnder the watchful eye of the FTC, the following general advertising rules must be followed: Federal Lanham ActWhile the FTC enforces consumer protection laws on behalf of consumers, the Lanham Act allows business competitors to privately sue advertisers for false advertising. The Lanham Act principally concerns violation of trademark law, but competitors can also file lawsuits for false advertising. To sue under the Lanham Act, you must prove the following: Utah Advertising LawAs mentioned, each state also has its own set of consumer protection laws which protect consumers against unfair competition and deceptive advertising practices. Whereas under federal law consumers have very limited rights to sue, under state laws, consumers typically have more power to privately sue companies for false or deceptive advertising. Be Honest In Your AdvertisingTelling the truth is the simplest rule, but is also where the most trouble comes from. Slight exaggerations and boasting (“the best coffee!”) are expected and for the most part allowed in advertisements, but don’t get too tricky with your wording or rely on technicalities to remain truthful. For example, you might be able to truthfully say that your tent is great in rainy conditions, but don’t extend the assertion to wind if you haven’t tested it or it just stands up to a slight breeze. Free Initial Consultation with LawyerIt’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Essential Advertising Rules For Businesses first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
What Is Rule 506 Of Regulation D? Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/essential-advertising-rules-for-businesses/ A marijuana possession charge in Utah can be filed as a misdemeanor or as a felony charge, depending on a variety of circumstances. Any Utah marijuana possession charge carries the possibility of jail time and substantial fines. If you are facing prosecution for marijuana or other drug-related charges, an experienced drug crimes and criminal defense attorney can make all the difference. Second-Degree Felony Marijuana ChargesAt the second-degree felony level, a marijuana conviction in Utah carries the possibility of up to 15 years in prison and a $19,000 fine (including surcharge). Marijuana possession can be filed as a second degree felony under the following circumstances: possession with the intent to distribute within a drug-free zone; actual distribution of marijuana within a drug-free zone; or possession of more than 100 pounds of marijuana (regardless of intent). Third-Degree Felony Marijuana PossessionA third-degree felony marijuana charge in Utah is punishable by up to five years in prison and a fine (including surcharge) of up to $9,500. Marijuana possession is classified as a third-degree felony under the following circumstances: possession of more than 16 ounces but less than 100 pounds of marijuana; possession of marijuana with the intent to distribute (with no drug-free zone enhancement); or growing or cultivating marijuana (regardless of the amount). Class A Misdemeanor Marijuana ChargesA class A misdemeanor marijuana charge is punishable by up to one year in jail and fines up to $4,750 (including surcharge). Marijuana possession can be filed at the class A misdemeanor level if: the amount of marijuana possessed is at least one ounce but less than 16 ounces; or possession of less than one ounce of marijuana in a drug-free zone. Class B Misdemeanor Marijuana PossessionClass B misdemeanor charges in Utah are punishable by up to 180 days in jail and up to $1,900 in fines (including surcharge). A basic charge of marijuana (less than one ounce) begins as a class B misdemeanor. Defenses to Marijuana Charges in UtahAn effective defense to marijuana possession or distribution charges in Utah can involve important Constitutional rights under the Fourth Amendment or Fifth Amendment. Motions may be needed seeking the suppression of evidence. Factual defenses may include constructive possession defense issues. The knowledge and intent of the defendant can serve as potential sources of a factual defense to criminal marijuana charges. A thorough understanding of procedural rules, relevant statutory provisions, and related case law can be critical to mounting a successful defense. An understanding of how substance abuse treatment and mitigation can influence the outcome of the case and lead to a successful negotiated resolution may also be critical. Possession of marijuana is a criminal offense in Utah. The amount of marijuana you have in your possession will determine the crime and penalties that you will receive for a possession offense. Marijuana possession can earn you serious penalties if you are caught with a large amount of marijuana. If you or a family member was arrested for marijuana possession, you should consult with an experienced Utah drug possession lawyer. Utah Marijuana Possession LawsThe requirements to charge an individual with marijuana possession and other drug crimes are listed under Utah’s Controlled Substances Act. A combination of state and federal laws makes it illegal to not only possess a certain amount of marijuana but also to possess any drug paraphernalia needed to use marijuana. Marijuana possession, sometimes referred to as simple possession, is an offense that arises out of possession of marijuana for personal use. This contrast with an offense for possession with intent to distribute (PWID), a crime that focuses on the offender manufacturing and distributing drugs. The possession of marijuana is also referred to by terms like “actual possession” and “constructive possession,” depending on how law enforcement located the drugs. If an offender actually possessed marijuana when they were arrested, it means that they had it on their person or in an item that they were carrying. If an offender constructively possessed marijuana, it implies that they had knowledge of and control over the drugs found by law enforcement. For example, if you hid drugs in the trunk of your car or in a safe in your home, you will likely be charged with possession if law enforcement finds it, even if you did not have the drugs on your person. Penalties for First Offense Marijuana PossessionTo reiterate, the penalties for marijuana possession are directly correlated to the amount of marijuana that you are discovered with. If the weight of the drugs in your possession is over a certain limit, you risk being charged with a felony instead of a misdemeanor, even if this was the first time you were arrested for possession. If you are found with less than 100 pounds of marijuana, you will likely receive a class B misdemeanor charge. The penalties for a class B misdemeanor are a maximum of six months in jail and up to $1,000 in criminal fines. If you receive a class B misdemeanor conviction for marijuana possession, you may be given the option to perform compensatory service instead of paying a fine. The hours you will have to work typically depend on the amount of your criminal fine. If you were granted the option of compensatory service, you could volunteer with: Types Of Marijuana OffensesMarijuana is considered a Schedule I controlled substance in Utah. The amount of marijuana and crime associated with it will determine the severity of the marijuana charge and its resulting penalties. Under Utah marijuana possession laws, the following are punishable offenses, listed in order of severity. Marijuana Possession Conviction PenaltiesThe potential punishment is directly dependent on to the amount of marijuana in your possession at the time of arrest. The amount in your possession also determines the classification of the charge as a misdemeanor or a felony. In addition, the number of offenses also affects the severity of the charge. The various levels of marijuana possession penalties in Utah are listed below: Permitted Prescribers of Medical Marijuana in UtahOnly those medical providers registered with the Utah Department of Health to recommend Medical Cannabis can issue recommendations for Medical Cannabis. To be deemed qualified by the department, a health care provider must: Marijuana Possession: Laws & PenaltiesAccording to the National Institute on Drug Abuse, marijuana ranks as the most commonly used illegal drug in the United States. While some states have passed laws permitting or decriminalizing possession of small amounts of marijuana, marijuana remains an illegal controlled substance under federal law. The conflict might someday be resolved, but for now, federal and state law are at odds with each other. As a result, federal consequences are possible even when people follow state laws about marijuana use and possession. Federal Marijuana LawFederal drug laws classify marijuana as a Schedule I drug. A first possession offense of any measurable amount carries misdemeanor penalties of imprisonment for up to one year and a minimum $1,000 fine. The penalty increases to a felony for a second possession offense. If someone possesses marijuana in order to sell it or for other criminal reasons, the penalties become much harsher including possible mandatory prison time and forfeiture of property or money. Federal prosecutors can prosecute conduct that is legal under a state’s marijuana laws. While federal prosecution for marijuana possession when state law allows it isn’t common, the rise in the number of states authorizing certain medical and recreational marijuana use has prompted the federal government to reevaluate its enforcement policies from time to time. State Marijuana LawsSome states follow federal law and prohibit any possession of marijuana. But a growing number of states have enacted laws that split from federal law and allow possession of small amounts of the drug. Sealing Past ConvictionsA number of states that have legalized or decriminalized marijuana possession allow people with past convictions to seal or expunge their old records. Depending on the state, the process can be automatic or require people to petition the court. Clearing your criminal record often helps in obtaining jobs, housing, and professional licenses. Utah Marijuana AttorneyWhen you need legal help with a marijuana matter in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Marijuana Lawyer first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
Foreclosure Lawyer Bountiful Utah Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/marijuana-lawyer/ The following are interesting things to know about filing bankruptcy. The decision to file bankruptcy can be tough so here are things you need to consider or know about before you make that decision: • Deadlines: Deadlines are critical in bankruptcy court. The rules in bankruptcy are very complex, can be technical, and all case deadlines must be met. Failing to file the appropriate forms or documentation on time may result in your case being dismissed or delayed. • Your goal is a discharge: Another interesting things to know about filing bankruptcy is that a bankruptcy discharge is an order issued by the bankruptcy court stating which of your debts are forgiven. Usually this will include most unsecured debts that have not been repaid are eliminated in the process unless you have reaffirmed your obligation. Utah Chapter 7 Bankruptcy or Utah Chapter 13 BankruptcyThere are several situations where a Chapter 13 is preferable to a Chapter 7. A Chapter 13 bankruptcy is the only choice if you are behind on your mortgage or business payments and you want to keep your property, either in Utah or another state, at the end of the bankruptcy process. A chapter 13 bankruptcy allows you to make up their overdue payments over time and to reinstate the original mortgage agreement. In general, if you have valuable property not covered by your Utah bankruptcy exemptions that you want to keep, a chapter 13 filing may be a better option. Also, people file Chapter 13 bankruptcy because they have too much income to file a Chapter 7 bankruptcy or have the kind of debt that is non- dischargeable in a Chapter 7 (e.g. certain taxes). However, for the vast majority of Utah residents who simply want to eliminate their heavy debt burden without paying any of it back, Chapter 7 provides the most attractive choice. • There is no minimum amount of debt required. Disadvantages to a Utah Chapter 7 filing: Disadvantages to a Utah Chapter 13 payment plan:
When Is it a Bad Idea to File Bankruptcy Without an Attorney?Pretty much anytime. Let’s be honest – you never went to law school. You’ve never studied the bankruptcy code. And even if you did, without the prior experience and background, you shouldn’t try to do this yourself. If You Have a Complicated Chapter 7 CaseCertain Chapter 7 cases are more complicated than others. Your Chapter 7 will usually be more complex if you own a business, have income above the median level of your state, have a significant amount of assets, or have creditors who can make claims against you based on fraud. If any of the above applies to you, you risk having your case dismissed, your assets being taken and sold, or facing a lawsuit in your bankruptcy to determine that certain debts should not be discharged. In that case, it is advisable to hire an attorney to handle your bankruptcy. If You Are Not Comfortable Doing it on Your OwnEven if you have a simple Chapter 7 case, bankruptcy can be an intimidating and time-consuming process. You will need to accurately fill out many forms, research the law, and attend hearings. If you are not comfortable with any aspect of the bankruptcy process, you should consider hiring an attorney who will prepare the forms, attend the hearings with you, and guide you through the process. Filing for Bankruptcy in UtahAre you a resident of Utah and thinking of filing for Chapter 7 or Chapter 13 bankruptcy? If so, you will have to participate in credit counseling before you file, complete the bankruptcy petition and other required forms, and file those forms in the Utah bankruptcy court. After filing, you must complete debtor counseling before receiving your discharge. Although most of the bankruptcy process is governed by federal law, there is some Utah-specific information you will need to know before filing. Pre-Bankruptcy Credit Counseling and Pre-Discharge Debtor Education in Utah Utah Bankruptcy ExemptionsUtah has a set of bankruptcy exemptions which help determine what property you get to keep in Chapter 7 bankruptcy and play a role in how much you repay unsecured creditors in Chapter 13 bankruptcy. Some states allow debtors to choose between the state exemption system and a set of federal bankruptcy exemptions but Utah is not one of them. In Utah, you must use the state exemptions–the federal bankruptcy exemptions aren’t available. Finding Means Test Information for UtahWhen you file for bankruptcy in Utah, you must compare your income to the median income for a household of your size in Utah. If your income is less than the median, you will be eligible to file for Chapter 7 and, if you choose to file for Chapter 13, you can use a three-year repayment plan (rather than five years). This is called the means test. If your income is above Utah’s median income, you still might qualify for Chapter 7, but you’ll have to provide detailed information about your expenses and payments on secured debts in order to find out. Most Chapter 13 filers also have to provide this information. Free Initial Consultation with LawyerIt’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Bankruptcy Utah first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
Foreclosure Lawyer Woods Cross Utah Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/bankruptcy-utah/ Alpine is a city on the northeastern edge of Utah County, Utah, United States. The population was 9,555 at the 2010 census. Alpine has been one of the many quickly-growing cities of Utah since the 1970s, and especially the 1990s. It is located on the slopes of the Wasatch Range north of Highland and American Fork. The west side of the city runs above the Wasatch Fault. Alpine is located on State Route 74, just north of the city of Highland. According to the United States Census Bureau, the city has a total area of 7.4 square miles (19.2 km2). None of that area is covered with water, although a number of small mountain streams run through the city on years with sufficient rainfall. There are a number of mountain biking trails around the city that attract bikers from all over the state. There are also many trails and paths well suited for back-trail hiking along the mountains. The nearby American Fork Canyon offers camping, swimming and access to mountaineering regions around Mount Timpanogos. The hills surrounding Alpine have been affected by a number of brush fires in recent years, the most devastating of which was the Quail Fire, which consumed over 2200 acres on the north-east side of town in July 2012. The area is serviced by the Lone Peak Fire Department and Lone Peak Police Force. Valuing and Dividing Property in Divorce In AlpineProperty is defined as real property like your home or land and any property attached to it. Personal property includes possessions like vehicles, furniture, jewelry, clothing, tools, household items, and collections. Intangible financial assets will include income, investments, retirement, dividends, and benefits. Property value is the fair and impartial assessment of the property’s value. To determine an accurate evaluation of real property you will need an appraisal from a professional real estate appraiser. While household items are typically not included in a division of assets during a divorce unless you have an item of significant value. Otherwise, the personal property like collectibles and vehicles can be determined by its resale value. Property division should be guided by the general rule that if there are two of something, each party will receive one. Dividing furniture and household items should be done so that each individual will be able to set up a separate life and home. When all factors are considered, marital property, including intangible financial assets, will be distributed between both parties in an equitable manner. Equitable Distribution in Alpine UtahAlpine Utah is considered an equitable distribution or common law which means that the property owner is not automatically assumed to be both spouses equally. Instead, property should be divided fairly based on the amount of time the couple was married and his or her separate assets when they entered the marriage union. From the date on the marriage certificate to the date of separation, a marriage that is 10 years or longer is considered a long-term marriage. A marriage of less than 10 years is considered a short-term marriage. Equitable distribution of property and alimony is primarily guided by the length of time you have been married: • A Short-Term Marriages will typically end with dividing assets to put you and your spouse back into the same positions you were in before the marriage. Alpine Utah Divorce Mediation
Alpine Utah Lawyer For DivorceWhen you need to get divorced in Alpine Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you now!
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Alpine Utah Divorce Attorney first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
Is It Better To Pay Off Debt Or File Bankruptcy? Traffic Related Crimes Defense Penalties For Violating Federal Employment Tax Rules Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/alpine-utah-divorce-attorney/ Probate is the official way that an estate gets settled under the supervision of the court. A person, usually a surviving spouse or an adult child, is appointed by the court if there is no Will, or nominated by the deceased person’s Will. Once appointed, this person, called an executor or Personal Representative, has the legal authority to gather and value the assets owned by the estate, to pay bills and taxes, and, ultimately, to distribute the assets to the heirs or beneficiaries. The purpose of probate is to prevent fraud after someone’s death. Not all estates must go through probate though. First, if an estate falls below a certain threshold, it is considered a “small estate” and doesn’t require court supervision to be settled. Second, not all assets are subject to probate. Some kinds of assets transfer automatically at the death of an owner with no probate required. The most common kinds of assets that pass without probate are: The general procedure required to settle an estate via probate in Utah is set out in a set of laws called the Uniform Probate Code, a set of probate procedures that has been adopted, with minor variations, in 15 states, including Utah. In Utah, under the UPC there are three kind of probate proceedings: informal, unsupervised, and supervised formal. Informal ProbateMost probate proceedings in Utah are informal. You can use it when the heirs and beneficiaries are getting along, there are no creditor problems to resolve and you don’t expect any trouble. The process begins when you file an application with the probate court to serve as the “personal representative” of the estate. (This is what most people think of as the “executor”). Once your application is approved, you have legal authority to act for the estate. Usually you’ll get what’s called “Letters Testamentary” from the court. Once you get the letters, you need to do these things: The basic process for an executor is: What Does a Probate Attorney Do?What a probate lawyer does will likely depend on whether or not the decedent has drafted a will prior to their death. When There Is a WillIf an individual dies with a will, a probate lawyer may be hired to advise parties, such as the executor of the estate or a beneficiary, on various legal matters. For instance, an attorney may review the will to ensure the will wasn’t signed or written under duress (or against the best interests of the individual). Elderly people with dementia, for example, may be vulnerable to undue influence by individuals who want a cut of the estate. There are numerous reasons that wills may be challenged, although most wills go through probate without a problem. When There Is No WillIf you die without having written and signed a will, you are said to have died “intestate.” When this happens, your estate is distributed according to the intestacy laws of the state where the property resides, regardless of your wishes. For instance, if you are married, your surviving spouse receives all of your intestate property under many states’ intestate laws. However, intestacy laws vary widely from state to state. In these situations, a probate attorney may be hired to assist the administrator of the estate (similar to the executor), and the assets will be distributed according to state law. A probate attorney may help with some of the tasks listed above but is bound by state intestacy laws, regardless of the decedent’s wishes or the family members’ needs. A relative who wants to be the estate’s administrator must first secure what is called “renunciations” from the decedent’s other relatives. A renunciation is a legal statement renouncing one’s right to administer the estate. A probate attorney can help secure and file these statements with the probate court, and then assist the administrator with the probate process (managing the estate checkbook, determining estate taxes, securing assets, etc.). Most people, thankfully, don’t need to hire a attorney very many times in their lives. And even if you’ve gone to an attorney for a business matter, real estate transaction, or a divorce, working with a probate attorney is likely to be a different kind of experience. Some things are the same whenever you hire an attorney, though: to fully understand what’s going on, you will probably need to ask a lot of questions, and to keep costs down, you will have to take on some of the routine work yourself. Claiming Property with a Simple (Small Estate) AffidavitUtah has a procedure that allows inheritors to skip probate altogether when the value of all the assets left behind is less than a certain amount. All an inheritor has to do is prepare a short document, stating that he or she is entitled to a certain asset. This document, signed under oath, is called an affidavit. When the person or institution holding the property — for example, a bank where the deceased person had an account gets the affidavit and a copy of the death certificate, it releases the asset. The out-of-court affidavit procedure is available in Utah if the value of the entire estate subject to probate, less liens and encumbrances, is $100,000 or less. Simplified Probate ProceduresUtah has a simplified probate process for small estates. To use it, an executor files a written request with the local probate court asking to use the simplified procedure. The court may authorize the executor to distribute the assets without having to jump through the hoops of regular probate. You can use the simplified small estate process in Utah if the value of the entire estate, less liens and encumbrances, does not exceed the homestead allowance, exempt property, family allowance, costs of administration, reasonable funeral expenses, and reasonable medical expenses of the last illness. The executor files a sworn statement that says the estate assets are less than the value described above, describes the estate assets, declares the executor has distributed assets to the inheritors, and sent the inheritors and known creditors a closing statement and provided them with a closing statement. Can I avoid probate?If you don’t own any land, and your estate is less than $100,000, no probate is required. It is possible to arrange your affairs so there is no estate to probate upon your death. For example, you can give all your property away the day before you die. You might also arrange that you own everything jointly with someone who you expect will survive you. “Joint tenancy with rights of survivorship” means simply that every person named on the title as your joint tenant who survives you will own the property without it becoming part of your estate. If you and your spouse own your home as “joint tenants”, upon your death (if you die first) your spouse will own the home without probate to transfer ownership. The same rule applies to ownership of all things you own, although the law does not usually include the power of joint ownership for such items of property as furniture or clothing or jewelry. Joint tenancy has disadvantages. If your child owns your bank account with you jointly, the child could take the money and spend it for herself. If a creditor gets a judgment against your child, the creditor could claim the account. If your child dies before you or gets divorced, the child’s spouse might become a part owner. If your child is a joint owner of your home, she could block you from selling it. There are also tax problems: if you give property away, you may be required to file a gift tax return; and if your child (to whom you deeded a joint tenancy) sells your home after your death, the child may have to pay capital gains tax. Probate of your estate including your home avoids the capital gains tax. Using a trust also avoids this tax. A safer method than joint ownership of monetary/depositary accounts is to designate the accounts to be “Paid on Death” (POD) to named beneficiaries. For example, you can make your spouse a co-owner of your accounts, and designate your children as POD beneficiaries on the account record. After you and your spouse’s deaths, any balance in the account will be paid to your children (who need only prove your death and their identities). Your children are not “owners” of the account while you are alive, so none of the children can make withdrawals, nor can their creditors. Another option is to give all your property to a trust that manages the property for your benefit while you are alive and distributes the property as you direct when you die. Such a trust is often called a “living trust” because you establish it while you are alive. It is also called “revocable” because you ordinarily retain the right to revoke the trust. If you give your property to a trust, here are some things to think about: Probate LawyerWhen you need legal help to avoid probate in Utah, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post How Do You Avoid Probate? first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
Utah Last Will And Testament Attorney Top Attorneys In Utah Taylorsville Can I Lie About Being An Accredited Investor? Is It Better To Pay Off Debt Or File Bankruptcy? Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/how-do-you-avoid-probate/ Business succession planning is the process in which long-term needs are identified and addressed. The main concern in succession planning is in providing for the continuation of business operations in the event that the owner or manager retires or suddenly becomes incapacitated or deceased. This can occur by several means, such as transferring leadership to the following generation of family members or by naming a specific person to become the next owner. It is highly advantageous to have a business succession plan. Such a plan can create several benefits for the business, including tax breaks and no gaps in business operations. The plan will be formally recorded in a document, which is usually drafted by an attorney. A business succession plan is similar to a contract in that it has binding effect on the parties who sign the document and consent to the plan. Therefore, the main advantage of having a succession plan is that the organization will be much better prepared to handle any unforeseen circumstances in the future. A well thought out succession plan will be both very broad in scope and specific in detailed instruction. It should include many provisions to address other concerns besides the issue of who will take over ownership. A business succession plan should include: Picking the Successor Finalizing the Process Selling Your Business to a Co-owner Reasons to Hire a Business Succession Attorney Free Initial Consultation with LawyerIt’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Business Succession Law first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
Affordable Family Law Attorney Utah Last Will And Testament Attorney Things You Need To Know If You Invest In Hotels Is It Better To Pay Off Debt Or File Bankruptcy Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/business-succession-law/ In general, paying off a creditor shortly before you file for bankruptcy is not a good idea. If you are filing for bankruptcy, you may be considering repaying certain debts before you file. Although paying off debts before filing bankruptcy may seem like the right thing to do, it is often not a good idea. In many cases, if you repay a debt within three months before filing longer if the debt was to a family member or close friend, the bankruptcy trustee can sue the creditor to get the money back. Why Do Consumers Want to Repay Debts Before Filing Bankruptcy?If you file for bankruptcy, at the end of your case you will receive a discharge. A discharge is a court order wiping out most or all of your debts some types of debts cannot be eliminated in bankruptcy. Sometimes a consumer doesn’t want a particular debt to be wiped out, and is tempted to pay it before filing bankruptcy. Some common situations where a consumer might want to pay off a debt before filing include: Why Paying Debts off Before Filing Is a Really Bad IdeaPaying off a debt before filing your bankruptcy can cause problems for you and the person or business that you paid. Paying Off a Debt Might Be a Preferential TransferWhen you file for bankruptcy, a bankruptcy trustee will be appointed. The trustee’s job is to fairly distribute your assets and property, if any, among your creditors. (You don’t have to give up all of your property during bankruptcy, learn what you can and cannot keep in bankruptcy.) The goal is to ensure that no one creditor has an unfair advantage over another. If you pay a creditor within a short period of time before your bankruptcy, the court may consider that payment to be a “preferential transfer.” Because you pay that one creditor 100% of the debt owed, and then have fewer assets left to repay other creditors through your bankruptcy, you have “preferred” that creditor over the others. If that happens, the trustee can try to get the money back through a claw back action. How Far Back in Time Does the Court Look?If you have made a preferential transfer to a creditor within the 90 days before you filed for bankruptcy, the trustee can file a claw back suit and try to obtain the funds from the paid creditor. If you repaid a close friend or family member, sometimes referred to as an “insider,” the time period that a court will consider extends to a year before you filed. What Happens in a Claw back Suit?In a claw back suit, the trustee brings a lawsuit against the creditor that you paid off in order to get the money back. A claw back suit can cause several problems with your bankruptcy. What Debts Can You Pay Before Filing?Not all pre-bankruptcy payments will be considered to be preferential transfers. You can make payments on debts if normally make such payments. The key is to not pay any more than you have been paying towards that debt. For example, if you regularly pay your physician $100 a month to repay a larger medical debt, you may continue to do so. You can continue to pay your regular car payment, mortgage, child support, or student loans. You can also pay credit card debt that you recently incurred to purchase regular necessities of life, such as gas or food. Can I Pay Debts After My Bankruptcy Discharge?If you want to ensure that a creditor gets paid, the best way to do this is after the bankruptcy. There is nothing that prevents you from paying off a creditor, even if its debt has been discharged in the bankruptcy. This is best done when you want to repay friends, family members, employers, or medical providers. However, many financial institutions and credit cards may refuse your payment after a bankruptcy discharge has been entered. No one wants to file bankruptcy. But when the bills become overwhelming, it becomes the best option for some. Bankruptcy can be a solution for those who are drowning in payments and can’t keep up. There are 2 kinds of bankruptcy for the average consumer: Chapter 7 and Chapter 13. In Chapter 7, most of your debts are completely wiped out, though this is reflected on your credit report for several years. In Chapter 13, you arrange a plan with your creditors to pay pennies on the dollar for your debt over the course of 3 to 5 years, and then whatever is left is dismissed. Your Credit Report Will Be Impacted For Several YearsWhen you file for a Chapter 7 bankruptcy, it remains on your credit report for 10 years. With a Chapter 13, you pay it off sooner, so it only stays on your report for 7 years. This can make obtaining new credit really difficult. A few ways around this are reaffirming your car loan continuing to make payments on time can help rebuild your score. You can also get a secured card with your bank to help build credit a local credit union is usually your best bet for this. Don’t even think about opening any offers for credit cards you get in the mail when you file, though your mailbox will be full of them, and the idea of bankruptcy is to pay your balances down, not to let them keep adding up. You’ll need to stop using creditWhen you file for bankruptcy, a person called a trustee manages your case on behalf of your creditors. Some trustees can be more invested in the case than others, especially if they can collect assets from you for whom they earn commission. They’ll also decide if certain debts may not be discharged, especially debts you incurred within the previous 3 to 6 months you filed. If you’ve been racking up charges on a credit card or just took out a new loan, it’s likely you’ll still be on the hook for that if you file now. If you’re planning on filing, you need to stop using any kind of credit entirely for about 6 months before you file to ensure that as much debt as possible can be discharged. Bankruptcy doesn’t mean you’re a bad personAll that said, if you’re thinking about filing for bankruptcy, don’t let the credit implications scare you. No one needs to know about your situation except you, your attorney (and yes, you should have one, as the paperwork can be overwhelming and confusing) and the court. Chapter 7 BankruptcyIndividuals and in some cases businesses, with few or no assets typically file Chapter 7 bankruptcy. It allows them to dispose of their unsecured debts, such as credit card balances and medical bills. Those with non-exempt assets, such as family heirlooms (collections with high valuations, such as coin or stamp collections); second homes; and cash, stocks, or bonds must liquidate the property to repay some or all of their unsecured debts. A person filing Chapter 7 bankruptcy is basically selling off their assets to clear their debt. People who have no valuable assets and only exempt property such as household goods, clothing, tools for their trades, and a personal vehicle worth up to a certain value may end up repaying no part of their unsecured debt. Chapter 11 BankruptcyBusinesses often file Chapter 11 bankruptcy, the goal of which is to reorganize, remain in business, and once again become profitable. Filing Chapter 11 bankruptcies allows a company to create plans for profitability, cut costs, and find new ways to increase revenue. Their preferred stockholders, if any, may still receive payments, though common stockholders will not. Chapter 13 BankruptcyIndividuals who make too much money to qualify for Chapter 7 bankruptcy may file under Chapter 13, also known as a wage earners plan. It allows individuals as well as businesses, with consistent income to create workable debt repayment plans. The repayment plans are commonly in instalments over the course of a three- to five-year period. In exchange for repaying their creditors, the courts allow these debtors to keep all of their property, including otherwise non-exempt property. What to Do Before Filing Bankruptcy?Before filing for bankruptcy, here are a few things you should do: Free Initial Consultation with LawyerIt’s not a matter of if, it’s a matter of when. Legal problems come to everyone. Whether it’s your son who gets in a car wreck, your uncle who loses his job and needs to file for bankruptcy, your sister’s brother who’s getting divorced, or a grandparent that passes away without a will -all of us have legal issues and questions that arise. So when you have a law question, call Ascent Law for your free consultation (801) 676-5506. We want to help you!
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Is It Better To Pay Off Debt Or File Bankruptcy? first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
Affordable Family Law Attorney Maintaining Franchise Agreements For Hotels Utah Last Will And Testament Attorney Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/is-it-better-to-pay-off-debt-or-file-bankruptcy/ A Last Will and Testament is one of the most important legal documents a person can create during his or her lifetime. If a person dies without a Will they are said to have died “intestate” and state laws will determine how and to whom the person’s assets will be distributed. If a person dies without a Will the beneficiaries can not dispute the court’s distribution of that person’s estate under the intestacy laws. Even if that person expressed different wishes verbally during their lifetime the statutes control the distribution. With a valid Will, a person can legally determine how their property will be distributed and to whom. Most intestacy statutes distribute a deceased person’s assets between a surviving spouse and their children or to only the children if there is not a spouse. If there are no surviving children the assets then are generally distributed to extended family members. Making a will also gives you the opportunity to name an executor (the person responsible for distributing your assets) and a legal guardian for your children. A Will must meet the legal requirements set forth by the state in order for it to be valid. Most states will also accept a Will that was executed in another state if the document is a valid Will under that state’s law. The general requirements for a valid Will are usually as follows: If a Will’s authenticity is unchallenged it may be probated in a simplified procedure if it has been self-proven. Witnesses to a self-proven Will are not required to testify in court because the court automatically accepts a self-proven Will as authentic. To self-prove a Will the testator and the witnesses must swear in an affidavit before a notary to the authenticity of the Will. The affidavit should be part of the Will or attached to it. Make sure they are all provided for individually in your will—it sounds basic and obvious, but don’t name just one child and assume the court will automatically grant custody of all of them to the same legal guardian. This may be a particular concern if you have a child with special needs. If you want your children to stay together, specify this in your will. In fact, if this factor is more important to you than the legal guardian, say so that is, if for some reason the court does not approve your choice of guardian or your chosen guardian cannot serve but you would still like your children to stay together with a different guardian as named by the court, make this preference clear in your will. Especially if you prefer your children to stay together, is your chosen guardian in the position to care for all of your children, emotionally and otherwise? Does he or she have other children as well? How will the families blend? If your preference is to have your children raised in a two-person home, be sure to name each member of the couple as a co-guardian. For example, if you would like your sister and brother-in-law to jointly raise your children, include them both as co-guardians. Many people immediately think of their own parents for guardians of their children, but consider the age and general health of your chosen guardian and whether he or she will be able to handle the physical demands of raising children. If your children are nearing the age of majority, this may not be as much of a concern, but if you have younger children, it could be a very important consideration. Many parents would prefer that their children be able to stay in their same school or at least school district should something happen to them; either way, it’s important for you to consider where your child would be attending school while living with his or her new guardian. As a parent, you know that raising children is expensive, so while ideally, you will have prepared financially for your children ahead of time with estate planning, be sure to consider your chosen guardian’s financial resources as well. You probably would prefer a guardian who shares your basic values and goals as a parent so that your children will be raised similarly to the way you would have raised them. If religious doctrine or alternately, not teaching religious doctrine is particularly important to you, you should consider this when choosing a guardian. Think also about whether they can handle the responsibility of raising your child as well as what kind of parent they would be—are they patient, kind, and mature? Do they already get along well with your children? Before you make this decision and include a named guardian in your will, sit down and talk with your choice. First and foremost, you want to make sure that he or she will agree to becoming the guardian of your child should anything happen to you, but it is also useful to discuss all the considerations discussed above so you know for certain the answers to those questions. Part of your job as a parent now is to decide who you would want to care for your children in the event of your death. Imagine if writing a last will and testament were a pre-requisite to graduating from high school. The graduate walks across the stage, hands the completed will to the principal, and gets the diploma in return. It might sound strange because most 18 year olds have little in terms of assets but it’s a good idea for all adults to draft a last will and testament. Graduation from college is another good milestone to use as a reminder to create an estate plan. If you haven’t created a will by the time you marry or are living with a partner in a committed relationship then it’s fair to say you are overdue. Here Are Some Key Documents to Have Alongside Your Last Will and TestamentFilling out your last will and testament form is essential, but it’s not the only document you’re likely to need. You might also think about: Disadvantages of a Last Will Will and Testament LawyerWhen you need a Will and Testament Attorney, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.
Ascent Law LLC
8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506
Ascent Law LLC
The post Utah Last Will And Testament Attorney first appeared on Michael Anderson.
4.9 stars – based on 67 reviews
What Is A 3rd Degree Misdemeanor In Utah Affordable Family Law Attorney Ascent Law St. George Utah OfficeAscent Law Ogden Utah Officevia Michael Anderson https://www.ascentlawfirm.com/utah-last-will-and-testament-attorney/ |
About MeHave a strong interest in donating wieners for farmers. Have some experience investing in cod in Bethesda, MD. Spent the better part of the 90's deploying Roombas in the aftermarket. Spent a weekend creating marketing channels for jungle gyms for no pay. Spent 2002-2009 building robots in the aftermarket. Spent 2001-2005 supervising the production of salsa in Libya. Archives
April 2023
Categories |