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Archive for January, 2013

What I Should Know Before Calling a Bankruptcy Attorney

Monday, January 21st, 2013

There are millions of Americans who have a large amount of debt. Many of these individuals are unable to repay their outstanding debt. Many people I speak to each day call me about their financial problems, but have no idea what to expect from a bankruptcy attorney. Most people, by the time they call a lawyer, have at least one pressing problem. Like, for instance, a lawsuit, or a wage deduction summons (garnishment). So you will have that on your mind. You need to gather up any papers you got from the lawsuit. But, don’t stop there. You need to look for your other bills, all of them!

Bankruptcy is a process that involves your whole financial picture. So that means you need to have an idea of which company you pay for each thing you own, or are paying for: Your house- name, amount of mortgage payment each month, and whether that payment includes taxes and/or insurance. Are you up-to-date in the payments on your house? If not, how many months did you miss? Your car(s). Which company do you owe? How much are the payments? And how many months are left (or what is the balance)? Most of the time, people want to keep their house and car(s). Even though you want to keep that thing, you still need to discuss the payments with your attorney. This will be factored into any discussion of a possible bankruptcy case. You also need to have ready: how much you owe the IRS and state taxing authority for income or other kinds of taxes. We also need to discuss this, and many times a bankruptcy filing can help with tax bills. Most of the time, you have to pay them, but bankruptcy can help you get a temporary break or a better payment plan.

Then, you need to remember all of those other pesky bills, like credit cards, and medical bills, that you still owe. Some of the credit cards you may still be paying on each month. Some other ones, you may have forgotten about because you stopped paying a long time ago. Regardless, all are important to tell your attorney about. Even if you want to keep a small account with a department store, or other company, you need to include it, and bring it in. Besides, I’ll run a credit report and all of those bills will show up anyway. If you run a credit report, why do I need to give you any bills? Because, not all bills show up on credit reports. It is up to each creditor to make periodic reports on your payment history. But not all companies do this. For example, most medical bills don’t show up on credit reports. They will show up if you are sued, but, before that, most medical creditors don’t report their bills regularly. So have as many bills as you can find ready to talk about. The purpose of the first call is for you to have an idea of whether the attorney can help you, and, if so, what to bring in so we can review it to see what your options will be. If you are well-prepared for that first call, you’ll be ready to set up a consultation with one of our attorneys.

The Showalter Law Firm, P.A. represents individuals and businesses in Fayetteville and throughout the State of Arkansas in a range of debt relief measures. Whether your situation calls for the filing of a Chapter 7, Chapter 11, Chapter 12, or Chapter 13 bankruptcy, they can help you or your business get out from the burden of overwhelming debt and find a fresh start financially. For details about their work with each of these filings, visit the bankruptcy overview.

Industrial Mechanical – Carbide Cutting Tools

Tuesday, January 8th, 2013

Carbide cutting tools are used by manufacturers to machine and shape a wide range of tools, products and prototypes from metal.Carbide cutting tools are tools that have the end of the tool, or the tip, coated with carbide, and is used to make cuts through some of the toughest materials known. So, how did we arrive at the place where carbide was invented and the use became so widespread? Well, carbide was a derivative of hard metal. Until the turn of the century, and the onset of the industrial revolution, hard metal was the best the industry had to offer.

Unfortunately, the best the industry had to offer wasn’t all that good. Scientists and metal workers had already devoted a great deal of time to the creation of a harder substance, when, along came carbide. What scientists and metal workers discovered, was that if you decrease the iron (Fe) with harder carbide substances, you got a harder cutting tool.

A metal known as tungsten carbide was introduced into the market during the 1920s and you have the invention of carbide cutting tools. The industrial world was rapidly changed, and as you can see, today we have benefited greatly from this discovery.

Along with the introduction of carbide cutting tools, came the industrial revolution and although there was some modification of machinery, the industry was welcoming this new tool with open arms. The hotter the cutting process, the harder the cutting tool needed to be, and with the progress of machinery, tools, and man’s hunger for automation, the carbide tool filled a much needed space.

The hard carbide particles most often used in carbide cutting tools are those of tungsten carbide, titanium carbide and tantalum carbide grains. The carbide cutting tools are made by using a metallurgical powder, pressing it into a die, and then heating it in a furnace to a temperature of at least 1400 degrees Celsius. That’s extremely hot, but carbide is extremely tough! are not your average “me too” industrial supply company! They don’t sell industrial tools before learning about your specific needs. Once they learn about your operation, processes, and goals, then they suggest the appropriate indusrials tools that will save you time, money, and increase your bottom line.They analyze your process and show you where you can save money on industrial supplies. This is hands on, in-person technical support to show you ways to use tools more efficiently. They show you on paper, hard results, where their industrial tools are less expensive to operate simply by using better tools.

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