Student Loan Information and Free Application

Overview of Student Loan Consolidation:
Student Loan Consolidation can significantly lower your monthly payment by lengthening the term of your loans, with no prepayment penalties. When you apply now, you can lock in the lowest interest rates in the history of the Federal student loan program. Consolidation is FREE and easy and does not require a credit check

Recent graduates can save even more
If you consolidate during your grace period, your interest rate will drop an additional .6%. If you have just graduated you should consolidate your loans as soon as possible.

Consolidate your student loans before it's too late
Federal student loan interest rates are at an all time low. Student loan consolidation will allow you to take advantage of the lowest interest rates in history.

Are there any negative consequences to student loan consolidation?
Yes and No. If you take a longer amount of time to pay off your student loan debt, you will pay more interest over the course of loan repayment. However, because there are no prepayment penalties and it is a simple interest loan, if you continue making the same payments you were making prior to loan consolidation, you will not pay more in interest and pay off the loan even quicker than your previous loan.

What loans are eligible for student loan consolidation?
Following is a list of eligible federal student loans:
SS - Subsidized Federal Stafford Loans & Guaranteed Student Loans (GSL)
DSS - Direct Subsidized Stafford Loans
DUS - Direct Unsubsidized Stafford Loans
DPLUS - Direct PLUS Loans
DUCON - Direct Unsubsidized Consolidation Loan, including Direct PLUS Consolidation Loans
US - Unsubsidized and Nonsubsidized Federal Stafford Loans
NSL - Federal Nursing Loans
HEAL - Health Education Assistance Loans
PERK - Federal Perkins Loans, formerly Nations Defense/National Direct Student Loans (NDSL)
PLUS - Federal PLUS (Parent) Loans
SCON - Subsidized Federal Consolidation Loans
UCON- Unsubsidized Federal Consolidation Loans
SLS - Federal Supplemental Loans for Students (formerly Auxiliary Loans to Assist Students (ALAS) and Student PLUS Loans)

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Free Auto, Car, Boat and Motorcyle Loan Quotes

Auto Loan Tips
To get the best rate when shopping for an auto loan we strongly recommend you get as many loan quotes as possible. Different loan companies offer different deals, so it makes sense to get a quote from several sources. The more loan quotes you get, the better you'll be able to compare rates. Sure, it takes a few minutes to fill out all of the forms, but since it can save you a lot of money it's worth the extra time.

The following companies are all nationwide lenders providing auto loans to consumers. They specialize in financing and servicing new and used auto loans for customers with various credit scores. So if you have less than perfect credit don't worry about it. We recommend the lower your credit score the more free quotes you fill out.

Auto Refinance
If you think your not in the market for an auto loan right now, you may consider getting a free quote on refinancing your present auto loan. With more and more Americans looking for ways to save money, many experts say that auto refinancing is a new trend that's here to stay. You could lower your monthly payment by refinancing your auto loan and save hundreds (or even thousands) of dollars over the life of the loan. Financial experts agree - refinancing your current auto loan is one of the easiest ways to save money today.

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The Facts on Dog Bite Lawsuits

While dogs may be our best friends, some dogs can become aggressive and bite someone. A dog bite falls under the law in the personal injury category. Each state has various laws regarding the liability of the dog’s owner. Following are things you should do if you are bitten by a dog.

Dogs that bite can do it for a number of reasons. Perhaps the dog has always had an aggressive nature and perceives you as an unwanted stranger. Historically, there are certain breeds that have been known to harbor aggression. The Pit Bull breed is a common example.

The dog’s breed is only one factor and doesn’t always mean the dog will be aggressive and prone to biting. You might encounter a dog that has been healthy in the past and free from offensive behavior. However, now the dog has suffered from a health illness such as rabies. Rabies can cause dogs to become disoriented and lash out by biting people. A classic sign of rabies is drooling and foaming of the mouth.

If you are bitten it is imperative that you have your bite checked out at the hospital as soon as possible. Dogs can be a host to several bacterial and viral infections that you can contract such as ring worm. Make sure however, that you remember the type of breed to help a doctor assess the extent of the wound. Write down the contact information of the dog’s owner should you need to file a lawsuit.

Dog bite lawsuits arise when the dog bite is serious enough to cause injury, mental aggravation, and hospital bills. It was beneficial that you wrote down the dog breed and the dog owner’s contact information because you will need it when filing a dog bite lawsuit. Should you choose to file a dog bite lawsuit, you will need to contact an attorney to understand your rights and requirements for filing.

An attorney will explain the specific dog bite lawsuit laws in your state. It is good to know that the majority of states hold the dog’s owner liable for any dog bites. It will also need to be determined if the owner had prior knowledge of the dog’s aggression. This is termed “dangerous propensities”. Did the owner know in advance that their dog was of a certain breed that is prone to biting? Did they provide the required safeguards to control this unwanted behavior in their dog?

Additionally, some states have enacted legislation that involves “strict liability”. The owner is liable for their dog’s actions whether they knew the dog was dangerous or not. Anytime their dog bites someone they are held liable no matter the situation or circumstances.

On the flip side of the coin is to view this from the dog owner’s perspective. Let’s say the dog owner had prior knowledge that their dog may be dangerous or may bite someone. The owner then took protective measures to keep his dog in a secure area. He also had placed “Beware of Dog” signs on his property and has warned others not to approach his dog as the dog may attack. The owner had done all this, but someone didn’t listen or even provoked the dog on purpose.

If the owner has provided these safety precautions they are sometimes not liable due to “contributory negligence”. “Contributory negligence” means that the person who was bitten understood the dangerousness of the animal, but proceeded to place themselves in the dog’s environment anyway. This type of dog bite lawsuit often ends in favor of the dog owner.

If you do file a dog bite lawsuit you can sue for compensation regarding medical costs you will incur due to the dog bite, pain and suffering, property damage, and affected wages. A vicious dog bite can leave you unable to work for some time and you need a way to recoup your losses.

You can also be awarded punitive damages in some cases. Whether or not you are awarded punitive damages depends on the behavior of the dog’s owner. Did the owner intentionally provoke their dog and put you in the line of fire? If so, the dog owner’s behavior will be punished by granting you an additional punitive damages settlement.

If you suffer from a dog bite you can rest a little easier knowing that many health insurance plans cover costs associated with dog bites. Hopefully, you won’t ever have to deal with a dog bite and dog bite lawsuit. Understand though that if you are bitten by a dog you do have legal claims. The extent and nature of the legal claims vary from state to state, but the basic guidelines have been discussed in this article. Consult an attorney that has worked on dog bite lawsuits in the past to figure out the best course of action.

The Benefits Of Small Claims Court

Johnny B. Good walked into the photo store with seven rolls of film to develop. “I’d like my honeymoon photos developed as soon as possible. We were in Italy and I took the most amazing pictures in my life,” he said. “No problem,” answered the clerk at the photo store. “We’ll have them ready by the end of the day,” she replied. After work, Johnny returned to the photo store to claim his developed pictures. “Uh, are you sure you brought them in?” asked a different clerk. She looked everywhere, they couldn’t be found. The next day the clerk who took the film learned that the cleaning person inadvertently threw 10 rolls of undeveloped film in the trash. Furious, Johnny demanded justice. “These are irreplaceable memories. Memories of a lifetime! What am I going to do?”

Q: Does Johnny need a lawyer? Can he handle it himself in small claims court?

A: Johnny doesn’t need a lawyer. Small claims court is the perfect place for this claim.

Johnny needs to file a claim in his local small claims court. There’s a small fee to start the case, and they give you forms telling you what to do. Make sure that you keep all documents and on the day you are scheduled to appear in Court, make sure you arrive with all of your witnesses to support your claim. There’s only a Judge, no jury in small claims court, and make sure you are dressed neatly and cleanly.

The rules of evidence are the same in small claims court, but there is a tendency to be less formal since the litigants are not lawyers. Do not forget that the Court is still entitled to respect and the proceedings are recorded either by tape recorder or by court stenographer. After all witnesses tell the Judge their version of what happened, the Judge will usually put his decision in writing and mail it to the litigants. (They do this so that the losing party doesn’t start screaming, yelling, and disrupting the courtroom immediately after a decision.).

IS IT WORTH IT TO GO TO SMALL CLAIMS COURT?

The short answer is yes. The long answer may be no. In small claims court in New York, you will get to present your case to the Judge rather quickly after you’ve filed your claim.

But if there are adjournments by either side, then you will have appeared multiple times, lost time from work on each occasion, and waited endlessly in the courtroom, simply to be told that you must come back on another day.

Remember, there are hundreds of small claims filed every week. On any given day, the Judge might have 20-40 cases to dispose of. Not each case requires a trial, and many cases get put off for another day. Some cases may be resolved in a binding mediation with a lawyer appointed by the Court.

You must determine whether the time you are going to spend waiting around a courtroom for justice is worth missing at least partial days off from work. If you choose to have your case heard in the evening session because you can’t get off from work, just keep in mind that you’re not alone. Lots of other folks will also be there waiting to have their case heard.

While in the courtroom, you can expect to hear cases that are very trivial. You might even wonder why someone would bother to bring a claim for such nonsense, or why they’d spend any of their valuable time pursuing such a ridiculous claim.

The answer to the question stems from the right every citizen of this State has- the right to bring suit if they feel they’ve been wronged by someone else. That’s the price of freedom. Democratic countries allow its’ citizens the right to seek compensation for damages, whether it’s personal injury or a contract that was broken. A promise is a promise. People should be held accountable for their actions.

Are there cases that even in small claims court don’t belong there? Probably yes. But we, as spectators, don’t have the right to criticize the claim, only the process. Does it make for interesting viewing? You bet. Even better than daytime TV or the latest reality show! Why? Because this is real life. This is reality.

So, to answer the question ‘Is it worth it to go?’ Yes. Everyone should go at least once, if only to observe the small matters that are important to people.

A car loans after a bankruptcy is one way to help build back your credit history

A car loans after a bankruptcy is one way to help build back your credit history. In fact, once your bankruptcy closes, you can apply for a car loan the next day. To get approved with the best rates for your car loan, follow these tips.

Review Your Credit Report

Before you start applying for a car loan, check out your credit report and make sure all your accounts are in order. It is not uncommon after a bankruptcy to see open accounts that should be closed, which hurt your credit rating.

While looking at your credit report, consider adding a page explaining the situation that resulted in your bankruptcy. If there were extenuating circumstances, lenders may approve you for a better rate than under normal conditions.

Plan Your Car Purchase

Before purchasing a vehicle, decide what you can afford in a monthly car loan payment. This will help you decide which financing package is best for you. Both the loan amount and length of payments will determine your monthly payments, so there is flexibility in determining which vehicle you can afford to purchase.

Use A Car Loan Lender

Car loan lenders make their money by finding you a loan. Car loan lenders work with several financing partners to back loans with all types of credit risk, including bankruptcies.

Online car loan lenders deal with thousands of loans, and can usually find you a better deal than your local car dealerships. Online car loan lenders will send you a check when you are approved, basically making you a pre-approved car loan buyer. More>>>

When Do You Need A Lawyers Help

When do you need a lawyer’s help?
Sometimes it's a no-brainer, such as when you get sued or when you’re arrested or charged with a crime. But keep in mind that people hire lawyers for advice and expertise all of the time, in all kinds of situations. While you may be able to get through a legal problem without hiring a lawyer, you should always remember that when you represent yourself, you might have a “fool for a client,” as the saying goes.

One of the first things to ask yourself in deciding if you should consult an attorney is: "What's at stake?" When your finances or liberties are in serious jeopardy, the obvious answer is to get legal help. But what is serious? An ordinary parking summons is a brush with the law, but you need not consult with an attorney to pay the fine or even to fight it. However, if you've accumulated a number of unpaid parking tickets and a warrant has been issued for your arrest, you would probably want to hire a lawyer to help you best resolve the situation, and perhaps save you money or even keep you out of jail.

In good times as well as bad, individuals and businesses rely on their lawyers’ advice to understand and secure legal rights and financial interests. Lawyers help clients with estate planning and business negotiations, strategies and transactions. With good legal advice, clients are better prepared to comply with and navigate through the complex mazes of governmental rules and regulations.

It is also a lot easier to rest easily after consulting with experienced lawyers for important undertakings such as tax and estate planning, drafting wills and trusts, negotiating business deals and even pursuing personal family matters such as adopting children.

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The Basics: About Hospital Health Insurance

About Hospital Health Insurance

Hospital expense coverage provides specific benefits for daily hospital room and board and usual hospital services and supplies during hospital stays.

Hospital/medical coverage may be extended in one of three ways:

-- A policy usually sold in combination with a physicians or surgical expense policy that provides benefits for both surgical operations and doctors in-hospital visits

--A major medical policy that provides broad and substantial coverage for many types of medical expenses

--A combination of hospital-physician-surgical coverage plus a supplemental major medical policy.

Room and board benefits are usually stated in one of two ways.
--Indemnity plans reimburse for the actual room-and-board charge up to a specified maximum dollar amount per day for hospital confinement.

--A service-type benefit that pays the full cost of a “semi-private” room-and-board charge.

Free Health Insurance Quotes

Today, there are more types of insurance, and more choices, than ever before. The information presented here will help you choose a plan that is right for you. You may be buying insurance for the first time, or you may already have insurance but want to consider changing plans. To assist you in this, we have scoured the internet and tested virtually all of the following insurance companies. Below, we have listed what we feel are the top insurers online. These are excellent sources for getting free quotes from multiple Insurers.

Affordable insurance, can be difficult to find. Quote It Now helps you simplify your search and get competitive quotes to save you money. The quote forms only take about 3 minutes to fill out. Three minutes of your time can be worth thousands of dollars in savings. Fill out a request and get your free insurance quote today.

How To Get the Best Quote:
1. To insure that you find the best insurance quote on your next policy, we suggest visiting each insurance company below and filling out their brief online quote form. The small amount of time it will take to fill out each quote form could end up saving you BIG money in the months to come!

2. Each link will open up a new browser window for you. When you have received your insurance quotes from one provider either close the window and move on to the next, or simply minimize the current window to come back here and move on to your next insurance company of choice.

3.If you have time, fill out the form for each company below. Remember each of the companies below deal with different insurers, your best rate will be found by filling out the quote form for each.

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