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Keep this mind in the aftermath of a Louisiana collision

Perhaps you were navigating your daily, morning commute to work in or around New Orleans when another vehicle slammed into your bumper at a red light. The driver might have been one of hundreds of motorists in the state who take their eyes off the road to read text messages. Maybe your collision occurred because another driver failed to yield the right-of-way when merging on an interstate. Then again, you might be among those in Louisiana who suffered injuries after a collision in an intersection.

Whatever the details happen to be regarding the events that led to the crash, what you do and say, as well as where you seek support in the days and weeks that follow can have significant impact on your ability to recover, especially if your injuries were moderate to severe. The emotional trauma of being involved in a collision can't be overstated either. In fact, you might show signs of post-traumatic stress disorder, which is a common after-effect of motor vehicle collisions.

The right choice for your personal bankruptcy filing

Making the choice to file for bankruptcy is not easy. It's likely this choice comes after months of financial struggles and complications that make you feel out of control. By taking this step, you may be able to regain your financial stability and move forward to the best future possible. First, you must determine which option is most appropriate for your financial situation.

There are two main types of consumer bankruptcy, Chapter 7 and Chapter 13. The right option for you depends on the specifics of your finances, the types of debts you owe and more. There are also eligibility requirements for each chapter. An assessment of your case can help you move forward with the right option from the beginning, helping you reach your goals faster and more efficiently.

Bankruptcy can help with tax debt under certain circumstances

Facing money problems can often feel like an embarrassment. You may be among the many Louisiana residents who are struggling financially and feel as if it is somehow your fault. Unfortunately, numerous people wind up in difficult financial spots through no blatant fault of their own.

Another difficult reality of financial problems is that suffering in one area, such as accruing considerable medical debt, can often lead to other monetary hardships, such as being unable to pay owed taxes. Fortunately, debt relief methods like bankruptcy can often help address outstanding debt balances, including those involving tax debt.

Are health problems leaving you struggling financially?

At some point in just about everyone's life, health problems arise. They are worse for some people then they are for others. Physical issues both big and small can cost a lot to treat. Most people in Louisiana and elsewhere are not economically prepared to cover unexpected medical expenses. What can you do if health problems leave you struggling financially?

Certain debt relief options can help you with medical and other debts. Bankruptcy, either Chapter 7 or Chapter 13, is just one option. There may be others depending on your particular circumstances.

Bankruptcy can be complex but beneficial

For a while -- maybe even a long while -- you had financial stability and did not imagine that you would one day be exploring debt relief methods. However, a number of sudden life changes can result in your finances taking a hard hit that can quickly lead to overwhelming debt. In many cases, the changes that result in financial difficulties result from no fault of your own, such as facing a medical emergency or losing a job.

Too many people think that money problems come from irresponsibility, and too many people think that bankruptcy is not the answer to address debt issues. Both of these notions are incorrect because, as mentioned, irresponsible spending is not the only precursor to debt problems, and bankruptcy actually has many benefits. If you are considering bankruptcy, you may want to keep certain information in mind.

Are sharing a Louisiana road with a distracted driver?

Like most roadways in Louisiana and throughout the nation, your typical routes of travel may be traffic-laden and quite dangerous at times. However, potential hazards are not always immediately apparent. For instance, how are you to know that the driver in a vehicle nearby is daydreaming about the date he had the night before rather than focusing on driving his car? Being lost in thought is one of the most frequently reported driving distractions.  

You may be alert and cautious behind the wheel. That doesn't necessarily mean you'll be able to react quickly and safely enough if a distracted driver crosses your path. Distracted drivers cause thousands of people injuries in motor vehicle collisions every year. In worst cases, such incidents result in fatalities. If you know how to recognize signs of possible distracted driving, you may be able to avoid disaster. If, by chance, a distracted driver hits you and you suffer injury, it's also good to know where to seek support.  

Reckless spending not always the reason for major debt problems

Like many other Louisiana residents, you have likely gone through times in life where you fell into the habit of spending more money that you earned. Out of control spending habits is definitely one causal factor that often leads to serious debt. However, it's certainly not the only reason your financial train may be thrown off its tracks; in fact, it may not even be one of the most common reasons people in America cite as to why they suffered a financial crisis at one time or another.  

Most financial problems are resolvable. It often depends on how much you know about debt relief options and what type of support is available to you to help you pay back debt and rebuild a strong financial foundation. To avoid similar crises in the future, it might help to review some of the issues related to high debt rates in the U.S. 

Protecting yourself against the impact of wage garnishment

Louisiana readers know that the impact of debt can reach into many areas of life. When you are behind on your payments and have no hope of catching up on your own, it is more than just an inconvenience. It can lead to stress and confusion as creditors start calling, you receive notice of collections and more. One of the things you may have to deal with is wage garnishment.

Wage garnishment is the process of withholding a certain amount of your income for the purpose of repaying debt. Not only can this feel invasive, it can put an even greater financial strain on your family. If you received notice of wage garnishment, you may find it beneficial to learn how filing for bankruptcy can make it stop.

Why would you choose Chapter 13 bankruptcy over Chapter 7?

Louisiana readers know there are many challenges that come with facing overwhelming debt. From the constant phone calls from creditors to dealing with the threat of foreclosure on your home, you know that you need a way out, and that could come in the form of consumer bankruptcy. If you have made the decision to seek relief by filing for bankruptcy, you will then have to decide if Chapter 7 or Chapter 13 is the best choice for you.

While Chapter 7 bankruptcy is a popular choice, Chapter 13 bankruptcy may offer you more benefits. It takes a period of three to five years to complete, but it could be the right way for you to effectively deal with your debt and move on to a stronger financial future.

Taking measures to increase your safety as a pedestrian

Every motor vehicle accident has the potential to end in disaster, perhaps especially those that involve pedestrians. With a significant reduction in protection among other modes of travel, if you choose to travel via the sidewalk, you might have some concerns about your safety.

With increases in safety measures, such as marked crosswalks and walk signals at traffic lights, you might feel as though the odds of an accident may be relatively low. However, all it takes is one negligent act or decision on the part of a driver to seriously endanger the health of a pedestrian, and traffic laws may unfortunately do little to stop this from happening.