Discharging Student Loans

More than 40 million people in the US are currently carrying the burden of student loans, averaging 4 loans and $29,000 in total. This has pushed the national student loan debt to $1.2 trillion, an 84% jump since 2008. In Texas, the average amount is $25,244 with 59% of non-profit and public college graduates in 2013 in debt.

That doesn’t seem so bad provided that you find a good job and avoid other debts such as home mortgages, car loans, and credit cards. Paying off a student loan should be your priority because as, a bankruptcy attorney in Waco, Texas may tell you, this kind of debt is non-dischargeable in bankruptcy and default carries heavy consequences. You are considered delinquent on the first day you miss a payment, and if you remain delinquent for nine months, you are in default and liable not only for the arrears but also collection and other fees.

Being in default on your student loan will affect your credit rating, making it difficult for you to borrow in the future. You may also get sued and your professional license (if any) revoked. The Department of Education may also collect payment (with some restrictions) by garnishing your:

  • Tax refunds
  • Wages and salaries
  • Federal benefits

Overall, if you can at all manage it, it makes better sense to pay your student loans or at least make a good faith effort to do so. It will save you a lot of trouble and complications later on. A history of intermittent payments is better than no payment at all, and unless paying your student loan will impose severe hardship on you, you can’t hope to discharge your student loans by filing bankruptcy.

If you do qualify for student loan discharge under bankruptcy, you will need help in convincing the court that this is so. It would be advisable to consult with an experienced bankruptcy lawyer in such cases.

Amusement Parks and Personal Injury Claims

Every year thousands of injuries happen in amusement parks all around the United States, and these injuries range from minor ones (cuts and bruises) to severe and life-threatening (head injuries and broken bones). Those who visit amusement parks and get injured may be confused on who to put the blame on and to whom a personal injury claim should be addressed. According to Williams Kherkher, in order to have personal injury claim against an amusement park, it should be proven that the management and people working in the grounds were negligent in their duty to ensure the safety of their customers. If their negligence or reckless actions contributed to the injury of the victim, then a personal injury claim or lawsuit is possible.

There are many types of injuries that can occur in an amusement park, and these may be due to a number of factors. Aside from a personal injury claim due to negligence, the victim or their kin can file a product liability claim against the manufacturer of the rides. The type of claim or lawsuit would depend generally on the nature of the accident. The management of the amusement park and their employees can be held accountable for negligence if it is their carelessness or reckless behavior contributed to the accident. Negligent action or inaction of the employee may be basis for the lawsuit.

On the other hand, manufacturers of the amusement park rides can also be responsible for the accident. Defective amusement park rides may be due to poor maintenance, operation, use, or incomplete inspection. As plaintiff, you should be able to prove that the faulty design or poor maintenance was the factor that caused the accident. There are government regulations that look after the safety of these amusement parks, but there are states that have their own laws regarding safety inspections and checking for the amusement parks’ compliance with safety regulations.


Using makeup may prove useful in concealing some skin damages and/or some years off, but this can mean a rather thick application and something that will need to be done every day – a sure waste of time and, probably, money on creams, facial powder and the likes.

By increasing the collagen production, however, one can easily regain a youthful appearance. This means a smoother, healthier and a much younger looking you. How? Through the now very famous Microdermabrasion treatment – a non-invasive (non-surgical) skin resurfacing or cosmetic procedure, wherein dead skin cells are exfoliated to allow the development of fresher and smoother skin. Through the expert care of board-certified cosmetic doctors or dermatologists, anyone can have his/her stretch marks, enlarged pores, acne scars, acne, hyperpigmentation, black heads, fine lines, enlarged pores, wrinkles and age spots, either greatly reduced or removed.

Microdermabrasion is a skin resurfacing procedure that involves the use of a minimally abrasive instrument designed to gently sand the skin, removing thick and uneven skin surface in the process. In the older procedure a vacuum, which suctioned loosened or dead skin, was used; the new procedure makes use of a device that has a diamond-tipped wand that is slowly moved across the skin to exfoliate it.

Besides the fact that the treatment does not require a recovery period, its result is long lasting. Some clients, for faster and much better results, choose to undergo two treatments within a month, then reducing it to one (for assured maintenance care) afterwards.

After treatment, clients usually experience swelling and redness for a few hours and then see flaky skin for some days – these are the natural results of the treatment. The only concern clients ought to worry about is keeping away from the sunlight as the skin will become more sensitive to it. For added protection, the use of sunscreen lotion and other special moisturizers are recommended by microdermabrasion treatment experts.

Records from the American Society for Aesthetic Plastic Surgery show microdermabrasion in the list of the top five non-surgical cosmetic procedures demanded by millions of Americans every year. There are different cosmetic procedures, in fact, that cosmetic surgeons and dermatologists now offer that will help stop or reduce the signs of aging and treat skin problems; each procedure (or a combination of some) is directed to treat specific parts of the face, neck, chest, hands, legs and other parts of the body.

The Des Moines medical spa services by Bergman Folkers Plastic Surgery at www.bergmancosmeticsurgery.com, offers various treatments, all under the care and personally attended to by licensed and board-certified cosmetic surgeons for the best results and optimum client safety. This practice is also to comply with industry standards, which require the performance of cosmetic procedures, whether surgical or non-surgical, only by licensed experts.

Speeding May Not Be Safe, but Neither Is Driving Slowly

Speed always affects safety and mobility – two performance determinants of the highway system. Though greater speed means less travel time, it is also a fact that any increase in speed raises the risk of an accident. In fact, according to the National Highway Traffic Safety Administration (NHTSA), speeding is the third major reason behind fatal accidents; the first is driving while impaired and the second, not wearing a seatbelt. Though efforts to reduce the number of fatalities due to DWI and failure to wear a seatbelt seem to be effective, the result is not the same when it comes to speeding. This is because though many drivers consider speeding as a threat to the safety of so many other motorists and pedestrians, these very same drivers are guilty of speeding too.

Speeding can be exceeding the determined speed limit or driving too fast for any specific road condition, such as not slowing down when roads are slick or icy. There are different reasons why people drive at inappropriate and illegal speeds. Some of these reasons are:

  • Some drivers are not aware of what the speed limit is
  • Many do not consider speeding as dangerous or a serious offense and they don’t think they will be caught anyway
  • Drivers are not really concerned about the damage their speeding might cause since others will pay for it
  • Many drivers are either in a hurry or find keeping up with the other drivers (observing the speed limit) a pressure
  • Even when speeding, many drivers argue that they are still driving at safe speed

About 13,000 lives are lost annually due to speeding, which males aged 17-24 are most commonly guilty of. By traveling at inappropriate and illegal speeds, vehicles take a longer time to stop and drivers have less time to assess and react to any danger they are faced with. Speeding also makes driver errors more dangerous, causing more severe injuries, and can turn what otherwise would have been a near miss into a crash.

However, speeding is not the only cause of car accidents. Driving too slowly can also lead to involvement in an accident. This is because those around the slow driver expect everyone to be going the same speed as them. Other drivers may not slow down fast enough or will switch lanes too quickly, miscalculating how close the slow driver actually is.

Though research clearly shows that those driving up to 10 mph slower than the posted speed limit are more likely to get involved in an accident than those who are speeding, it does not eliminate the dangers associated with speeding. When a speeder and a someone who drives too slowly come across one another, it can be incredibly dangerous. The speeder expects everyone will be driving at least the posted speed limit, while the slow driver expects the speeder to be going close to the speed limit. This means they are both operating on faulty information that can result in a serious wreck.

Observing speed limits would be the best way to ensure safety and, if ever you are involved in an accident due to another driver who is speeding, make sure you contact a lawyer immediately to know what your legal rights are the liable party’s responsibilities towards you. You may be able to prove that the accident was not your fault, making you eligible for injury compensation from the responsible party.

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