Legal Ways Out of Debt – Learn Ways to Legally Eliminate Unsecured Debt

Finding a legal solution to your debt problems is very important. You never know when your decision to bypass the law may backfire at a later debt. There have been numerous instances where individuals have been ask to explain transaction and instances many years after they occurred. This is especially true as far as finances are concerned. Hence, you should learn how to follow the law an act within the law to overcome your problem of unsecured debt.

The first in the most important point is that you should always deal with a genuine settlement companies. If you deal with a fraudulent company, you never know how many laws will be violated just because the service provider wanted to impress you. The end result will be that you will be held responsible for the misdemeanors of the fraudulent company.

If the company resorts to forgery to convince you that it has successfully negotiated your debt and if you operate on the basis of the forgery, then you will definitely face legal action at a later debt. Even if you are not held responsible for the crime, you will definitely have to pay the consequences in the form of a huge increasing your credit card debt which you thought you had settled.

The best way to learn how to eliminate your debt legally is to make use of the World Wide Web. Just check out debt relief networks that will put you in touch with reputed service providers. All you have to do is follow their instructions and your job will be done. Remember that you should work very hard to identify the right service provider.

Make sure you check out the verifications and affiliations of the company. Is it working together with the association of settlement companies or the U.S. organization of bankruptcy alternatives? If it is not affiliated to any company or service provider and if it is a brand new entity, then you should be very careful.

Interesting the task to the right service provider will mean that half your job will be done. Once this decision has been taken you just have to carryout reviews on a regular basis to get all the information you need.

One of the most important characteristic of legal solutions is that it will never give you excessive benefit or excessive loss. A fifty% settlement with a responsibility to repay the balance fifty percent seems to strike the right balance.

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Why Legalism is More Than Just “Salvation by Works”

Today I’m attacking lie #30: “legalism is just “salvation by works”"

Is legalism more than just salvation by works? Is there a broader definition of legalism — one that’s affecting the whole of Christendom today? Read this article now to discover the answers to these questions and many more!

Some Christians think that the only definition of legalism is “salvation by works”. But there’s a more important definition of legalism that’s VERY important for those of us who are already saved.

There’s legalism on both sides of salvation…

Paul makes this abundantly clear in his letter to the church in Galatia. He’s talking to Christians and letting them know that they’re being legalistic by trying to make progress in their spiritual walk by their works.

Paul says in Galatians 3:1-4 that basically you have come to salvation by believing in God (faith) not by your own works — so why are you so crazy as to think that you could then live this life (the christian life) by anything other than faith?

And Paul even continues to tell what happens to the Christian who tries to “follow the law” and be legalistic (emphasis mine) verses 9-10…

So those now who live by faith are blessed along with Abraham, who lived by faith-this is no new doctrine! And that means that anyone who tries to live by his own effort, independent of God, is doomed to failure. Scripture backs this up: “Utterly cursed is every person who fails to carry out every detail written in the Book of the law.”

Don’t be like the Galatians!

So don’t let anyone fool you with this lie that Legalism only refers to getting salvation by works. Legalism is also being a Christian and trying to grow closer to God by works!

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Insanity As a Legal Defense in Criminal Cases

There are several ways on how a person can excuse himself from a certain crime. A person who is charged with a crime, need to have a highly regarded criminal defense attorney to help him get through the case. Right after the accused seek counsel, the next step is to think of the defense that they must use on the court proceeding, to prove their innocence. There are various defenses that they can use. Some of it includes the presumption of innocence, establish an alibi, proclaim self-defense and using insanity as a plea.

When the presumption of innocence is used, it is the prosecution who has a bigger task in finding evidences and witnesses to prove that the accused committed the crime. In the court of law, any accused person is presumed innocent until they are proven to be guilty of the crime. When the accused establish an alibi, there must be al least a witness or evidence that you are not indeed around when the crime happened. In using self-defense as an excuse, you must prove to the court that you were able to commit the crime out of the need to defend your life because you are in danger. The last defense will be discussed further.

Today, regardless of what state a person is or what part of the world they are at, insanity as a legal defense in court proceedings is now taken with full seriousness and careful examination. Why is legal insanity being used by many people as an excuse for a crime? This is because an insane person does not have the ability to think right and act right. An insane person does not know the law. The insane people do not even think of themselves or the other people. A person is said to be insane when they have severe mental disease. They are totally excused from the crime that they have committed once they are proven by certified medical personnel.

In cases wherein the client of a defense attorney is legally insane, they must prove to the court that the accused person is insane. Several tests and examinations as well as testimonials can prove that the accused is truly insane. If the accused person, resides in Utah, he can have a Utah Defense Attorney, Utah criminal defense attorney, Utah criminal attorney, or defense attorney Utah that can help them prove the insanity of the accused person. A UT Defense Attorney can gather facts, examination results and medical records that his client is legally insane.

Over the years, the way how the court sees legal insanity as a defense in court proceedings vary from time to time. However, today, almost all went back to the strict definition of legal insanity. The way how the court rules towards an insane person before are automatic excused of the crime that was committed; but now, everything became stricter. In general, a person is said to be legally insane when they do not know what is right and what is wrong. This also means they do not know what is moral and immoral. Although many cases were dismissed because the accused is legally insane, the defense attorney must prove to the court the validity of insanity during the time that the crime was committed.

In any court proceeding, we cannot held a legally insane person to be responsible of his conduct because as we have mentioned, they do not know that what they are doing at the time of conduct is right or wrong. A legally insane person cannot think logically, in this regard, he is acquitted of the crime. After the case, what happen usually is that the insane person must undergo psychiatric treatments. They are placed in a mental asylum for treatment. In cases that the insane person truly committed the crime but is not aware that he or she did it because of insanity, they are required to be held in a mental institution until they can no longer be a threat to anyone. Again, they can only be acquitted once a psychiatrist or a psychologist testifies his mental illness at the time of offense and a series of tests or mental evaluation.

On the other hand, the defense of having temporary insanity is hard to defend in the court of law. It will be extremely hard for the defense attorney to prove that his client is insane at the time that the crime was committed. The legal system finds it moral to submit the insane person for a medical and psychological treatment regardless if they are proven to commit the crime or not, because legal insanity as a defense means the person does not have the ability to think properly, they do not know right from wrong, and what is moral or not.

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Legalism, the Yoke of Bondage

Since the dawn of history and in each age or dispensation thereafter, man has always attempted to justify himself, to make himself holy, clean, acceptable and right with God. In addition, man has always attempted to improve on God’s plan of redemption. Such attempts have always led man to some form of legalism.

Since the beginning of the church and for nearly 2,000 years, there has also existed a great debate within-a theological tug of war between proponents of law vs. grace and works vs. faith. This is a struggle that will continue until Jesus returns.

Legalism: A Religious Phenomenon

Legalism is a religious phenomenon within the Body of Christ. At the core of legalism is the concept of righteousness through works (human merit). For the purposes of this article, I would like to offer the following definition of works.

Works, may be defined as righteous acts, deeds, effort, or service based on human merit.

Righteousness through works is self-righteousness. Self-righteousness and legalism are both a curse and a stumbling block to the Body of Christ (Rom. 9:31-33). In my opinion, legalism is responsible for more darkness and false teaching within the Body of Christ than anything else.

Legalism: The Yoke of Bondage

Merriam-Webster Dictionary defines legalism as strict, literal, or excessive conformity to the law or to a religious or moral code. For purposes of this work, I offer a definition of legalism:

Legalism is any belief system where man derives merit through the keeping of the Law or other man-made doctrines, disciplines, or rules in order that he might obtain righteousness with God and thereby secure for himself favor, blessings, and in the end, salvation and eternal life.

Putting it simply-Legalism is righteousness through works, from which the apostle Paul admonishes “be not entangled again with the yoke of bondage” (Gal. 5:1). Some have mistakenly referred to “the yoke of bondage” in Galatians 5:1 as the bondage of sin. However, Paul the apostle of grace tells us that:

The yoke of bondage is a direct biblical reference to being justified by keeping the Law of Moses and what is known today as legalism.

However, in spite of Paul’s admonition, many are still “entangled” in legalism and cannot free themselves from that which they “desire” to be under (Gal 4:21). It is the same yoke, which the apostle Peter said, “neither we nor our father’s were able to bear” (Acts 15:10).

What is a Legalist?

Merriam-Webster’s Dictionary defines a legalist as one that views things from a legal standpoint; especially: one that places primary emphasis on legal principles or on the formal structure of governmental institutions. I would like to offer another definition of a legalist.

Within theology, a legalist is one who deals with man from the basis of the law and not from the basis of grace.

A legalist’s theology, ministry, and methods are often characterized by self-righteousness, judgment, and condemnation. A legalist emphasizes the demand of the law with little or no compassion, mercy, or redemption.

An example of this is the account of the woman taken in adultery in St. John chapter 8.

In 2006 Charles Smoot founded The Grace Network, a “Church Planting Movement” (CPM) based in Maui, Hawaii.

In 2009 Charles and his wife Helen founded Simple Church Ministries of Lancaster, a local House Church community dedicated to the message of Sovereign Grace, House church evangelism, and discipleship.

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New Regulations Change Definition of “Legal” Tax Preparer

The Internal Revenue Service believes tax submission is a troubled industry and blames it for too many cases of fraud, mistakes and revenue lost.

California, Oregon and New York are the only three states that oversee its paid tax specialists; however, starting January 1, 2011, the IRS is implementing a federal registration program similar to what California already requires.

“Beauticians in most states have to be licensed, yet the majority of tax specialists nationwide, who handle one of the most important documents for consumers each year do not have to be educated or insured,” said Celeste Heritage, administrator for the California Tax Education Council (CTEC), which oversees a state requirement to register unlicensed tax filing specialists.

California requires anyone who assists with or professionals tax returns for a fee and is not an attorney, certified public accountant (CPA) or enrolled agent (EA), to complete 60 hours of qualifying education, purchase a surety bond and register with CTEC. After initial registration requirements are fulfilled, CTEC-registered tax specialists (CRTPs) must complete at least 20 hours of tax education each year.

“From CTEC’s standpoint, the reasoning has always been that some education is better than no education,” said Heritage.

Under the new federal regulation, tax service providers who assist with or prepare federal tax returns for a fee (attorneys, CPAs and EAs are exempt) will be required complete at least 15 hours of tax education each year and eventually pass an IRS competency exam.

Additionally, all tax preparers (includes attorneys, CPAs, EAs) must register with the IRS and obtain a Preparer Tax Identification Number (PTIN). The purpose of the PTIN is to help the IRS differentiate between the good, the bad and the incompetent tax preparers.

Proponents of the IRS regulation believe enforcing tax education and competency exams for tax preparers is a necessary step in order to increase the protection of taxpayers. Skeptics argue it is not tax preparers who are entirely to blame, but the complex tax code that is causing issues and mistakes.

“Tax law is the same no matter who you go to,” said Alan Shattuck, CPA and CTEC board member. “No tax preparer can guarantee you a refund or the biggest refund. Tax law, when implemented correctly, should always have the same results.”

The results are far from consistent or accurate, according to the IRS, and it is preventing the government from getting the tax revenue it is owed.

Right now there are no plans to eliminate the state tax preparer programs so taxpayers in California, Oregon and New York will need to verify their tax preparer has met state and federal requirements.

Taxpayers should beware of tax preparers who:

• Refuse to sign the tax return
• Refuse to give clients a copy of the tax return
• Charge a fee based on a percentage of the refund
• Promise a refund before reviewing clients’ tax information
• Ask to sign a blank tax form to be filled in later
• Do not have a written privacy policy
• Does not have a valid IRS Preparer Tax Identification Number (PTIN)

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