What Is the Best Advice If Your Credit Is Bad?

Many people find themselves in debt and more often than not, it is purely because they have fallen on hard times, not because they “have a problem with money”. I recently read about one woman who was left with the expenses of raising children with no help from their father who had left. She also had her mother and brother living with her, who were both unemployed and had to financially support them as well. She barely had enough money for food and basic essentials, so over the years, had accumulated debt through numerous ‘credit card increased limit offers’ and deals which she had been drawn into.

She was afraid. She didn’t have money to pay lawyers or debt counselors for their advice. She was afraid to answer the phone for fear of so many people she owed money to and even wondered whether she might be put in jail because of her debts.

Sound familiar?

Well the good news is, that there is no such thing as a “debtors prison”. It would not be in the interests of society to throw people into prison for misfortune. These are matters for the civil courts (if it comes to that) rather than criminal jurisdiction. This doesn’t mean that you won’t receive a court judgement against you and that a sheriff won’t come knocking one day, wanting to claim whatever he/she can of your possessions to offset the debt. But there are ways to avoid this also.

If your credit history is bad and you’re financially strapped, here is some advice that may help.

Firstly, compile a list of all bills and expenses you have. If you have credit card debt, summarize the balance, minimum payment amount and interest charges.

Now break your expenditure list into essential and non-essential payments. “Essential” means survival needs like food, electricity and rent or mortgage as the case may be.

Prioritise the “essential” things to be paid first. Anything left over can be distributed among the non-essential items. If a debt collector tries to harass you, don’t even think about using your survival money to satisfy them. The law is on your side here. If debt collectors become hostile or harass you, they are in violation of the law.

From now on, only spend money on essential things. If you have other people you’re taking care of beside children, they should be asked to contribute something towards living expenses. Or if not, perhaps they have a skill they can use to help save money (e.g. do repairs, mend clothes, run errands)? They may even be able to develop a hobby into a small money making venture, to supplement the family income.

Debt problems can be very stressful and if unresolved, make life a living hell. But you can take control by working out a plan and educating yourself about how the law works to protect your rights. Knowledge is power!

Criminologists and Why Criminologists are Needed in the Criminal Justice Field

It behooves society to find ways to reduce crime. It makes for a better society and better quality of life. Citizens feel free when there is no or low crime.

One of the professions society entrusts with reduction of crime is criminology. A criminologist studies crime and criminal behavior in an attempt to find solutions that would help combat it. In this article, I will discuss why criminologists are need in the criminal justice field.

First of all, the criminal justice profession and society at large need to understand why certain groups of people commit crime. Understanding why people commit crime helps develop programs to prevent it.

This is where criminologists come in. They will gather the criminal data or record for this group. The criminologist will then analyze this group data to see if there are any trends that could be causing this crime. If he or she does find a trend, he or she can then make recommendations to the criminal justice profession or society on what can be done to combat the crime.

Second, it is said that those that ignore history are bound to repeat it. So, it is in the best interest of the criminal justice system and society to study the history of criminals.

The criminologist plays this role for society and the criminal justice system. The criminologist studies the history of criminals. This study reveals what leads criminals to commit crimes. With this revelation, the criminal justice system and society can develop programs to help people at risk before they become criminals.

Third, the criminal justice profession and society need to constantly evaluate the criminal justice system. An unexamined system can become obsolete.

Criminologists also play this role. They will evaluate the criminal justice system to make sure it is keeping up with the times. With the rapid advancement in technology, it is imperative that the system keep up with this technology.

It is not just technology that needs to be kept up to date. The system of crime and punishment must also meet with the times. Things that were used years ago may not be effective in the modern time.

Fourth, as with any profession, the criminal justice system must develop the staff for tomorrow. Without new blood being pumped into the system, the system will die a natural death.

This is another role the criminologist must play. The ones with advanced degree teach the new students of the profession. They teach the history, theories, and concepts that underlie the system. It is important that the new students understand these history, theories, and concepts.

Finally, the criminal justice system must maintain crime statistics. Without maintaining crime statistics, predicting future crimes will be difficult.

Again, the criminologist is needed here. The criminologist will collect and catalogue crime data. This data will then be analyzed to predict future crimes. This prediction will then be shared with law enforcement agents. The law enforcement agents will then use the information to stop crimes before they happen.

The criminal justice system and society surely need criminologist. If you are interested in becoming a criminologist, you have vital roles to play. You will need to learn more about the profession and all the things that are expected of you. You can find more information on becoming a criminologist by visiting websites that have more information on the subject.

Note: You are free to reprint or republish this article. The only condition is that the Resource Box should be included and the links are live links.

Where to Find Asbestos Mesothelioma Legal Information

People today have different reasons for looking up asbestos mesothelioma legal information. Some have suspicions regarding various symptoms that they feel while others do not just have suspicions but already have confirmations. These people are often quite confused and are looking for guidance regarding the things that they should do. They see information and knowledge as the only way they can actually use. If you are one of those people, or just someone doing research, then you should know that getting accurate asbestos mesothelioma legal information is quite essential mainly because the topic is dealing with health related issues.

Here are some tips to help you out:

1) Consult a lawyer – Where else do you get asbestos mesothelioma legal information than from someone who is an expert in all manner of legalities. Of course, finding a good lawyer to get your information from can be quite hard, especially today when a lot of lawyers are looking to get some cash from asbestos litigation. By consulting a lawyer who actually has had experience handling mesothelioma cases, then you will be able to make sure that you are not be wasting your time talking to that person.

There is, however, an issue regarding how fair any sort of asbestos mesothelioma legal information that comes from any lawyer is. This is because of the fact that lawyers are always on the constant lookout for new clients. Even a simple inquiry for asbestos mesothelioma legal information may end up with you retaining that lawyer’s services simply because of the amount of marketing that he or she has placed within the information. When you get asbestos mesothelioma legal information from a lawyer, be sure to try and screen out the propaganda.

2) Go to a library – If you are still just scanning various places for asbestos mesothelioma legal information simply as an initial guide to help you decide whether to litigate or not, then the library should give you all the information that you will need. Any sort of library will surely yield some sort of asbestos mesothelioma legal information that you can use. However, if you are truly looking for in-depth studies of asbestos litigation, then you should try to look at various law libraries. By researching in a law library, you will be able to access the actual materials that some lawyers use when they are preparing for a case. However, this may also mean that you need to actually research like a lawyer and get down and dusty with the different books. Although this may seem like dreary work, the end product is definitely worth it.

3) Go to the internet – Many people today are turning to the internet for the majority of their information needs. This is because the internet may contain pages upon pages of the asbestos mesothelioma legal information that you need. However, as with consulting lawyers, this type of information can be pretty hard to verify if it is fair or not. This is mainly because a lot of people see the internet as a chance to dupe others. Some lawyers place asbestos mesothelioma legal information that helps them convince people that the only solution to their problem is litigation. Some companies under fire also use the internet to scatter false information which could deter people from pursuing any inquiries.

When you have found the asbestos mesothelioma legal information that you want, what are you to do with it? Well, as said before, people use information in different ways. However, on the off-chance that you are one of those people who are looking for asbestos mesothelioma legal information in order to help them find some sort of stability amidst the chaos of both the disease and the legal implications thereof, then you should definitely think of what to do with the information you have gathered.

The first thing that you have to think about is how the information applies to you. Which pieces of the asbestos mesothelioma legal information that you have gathered can you actually use and just how might you be able to utilize them? Knowing this will help you focus the specifics of your case if you ever choose to litigate. The next move that you need to make would be to consult a lawyer and retain his or her services. Remember to pick a good lawyer to help you with your case. Think of all the research you did as preparation. Gathering enough asbestos mesothelioma legal information can help you familiarize yourself with the various tactics that your lawyer may use and thus, make the case much easier for the both of you.

As you can see, asbestos mesothelioma legal information can be extremely helpful if you know how to handle it correctly. The key is in finding the right sort of information and actually knowing how to utilize it well.

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