Archive for February, 2012
Internet LAVA Sponsors 2011 NORML Key West Legal Seminar
Posted by admin in Consumer Credit Counseling on February 29, 2012
Internet LAVA Sponsors 2011 NORML Key West Legal Seminar
(PRWEB) November 17, 2011
For the second year in a row, web design and law firm marketing company, Internet LAVA, is pleased to announce their sponsorship of the 2011 NORML Key West Legal Seminar. This season’s seminar will be held at the Pier House Resort and Caribbean Spa in Key West, FL, on December 1-3, 2011. Internet LAVA looks forward to collaborating with legal professionals at each conference and is proud to support NORML (National Organization for the Reform and Legalization of Marijuana) and help the attorneys who attend gain knowledge about the importance of web development and online marketing for legal businesses.
The NORML Key West seminar is an annual legal conference with accredited courses recognized by all states that require Continuing Legal Education (CLE) credits for practicing attorneys. The knowledge shared during this event helps enhance NORML’s efforts to pursue responsible marijuana reform on a state and federal level. Not only does the conference present an opportunity to satisfy CLE credit requirements, the Key West Legal Seminar offers a beautiful environment where marijuana reform activists can meet to discuss topics surrounding and techniques used to influence the public policy debate around the legalization of marijuana.
There is much to discuss at this year’s conference with the recent controversy concerning marijuana-related legal policies. NORML Legal Counsel, R. Keith Stroup says, “We have been holding the annual December conference for more than 30 years. The NORML Legal Committee attorneys look forward to the Key West seminar each year because of the networking opportunities with new and old friends who share the opposition to marijuana prohibition.” Issues surrounding marijuana laws constantly change as conflicts between federal prohibition and state’s rights are brought to the forefront of the debate. Stroup continues, “In addition, this year we will be focusing on the federal government’s attempt to close down medical marijuana dispensaries in California and the lawsuits several NORML Legal Committee attorneys have brought to try to stop their interference.”
Last month, NORML Legal Committee attorneys filed suit against the federal government and its key lawyers as a result of a federal bust scheme on the distribution of marijuana. There is particular concern surrounding state laws that allow the responsible use of cannabis and the infringement of the federal government. As some states become more tolerant towards marijuana sales, use and growth, federal agents continue to arrest people who are in conjunction with state law.
NORML’s legal seminars host a collection of prominent speakers on issues surrounding current marijuana legalization efforts and criminal defense tactics. This year’s roster of speakers include NORML Executive Director, Allen St. Pierre, Deputy Director of NORML and the NORML Foundation, Paul Armentano, along with an array of distinguished attorneys from across the nation. December 2011 topics of discussion include:
Raising a Medical Necessity Defense in Non-Medical Use States, Norm Kent, Ft. Lauderdale, FL;
Using the Latest and Best Science to Beat a DUI Marijuana Prosecution, Paul Armentano NORML Deputy Director;
Prosecutorial Ethics: What Prosecutors Can and Cannot Do, and How A defendant Can Use That to His Advantage, David Baugh, Richmond, VA; and
Intellectual Property Rights in the Medical Marijuana Field, Kyndra S. Miller, San Francisco, CA.
Internet LAVA CEO Jason Miller is looking forward to attending the conference and continuing the development of marijuana defense marketing strategies that can help connect criminal defense attorneys with individuals facing marijuana charges. The legal marketing executive reflects on his experience at past NORML conventions, “This will be our company’s third time sponsoring the biannual event. At each conference, we learn a great deal about policy reform, meet remarkable people and use the experience to continually expand the integrated web development and marketing services we offer to attorneys interested in this area of the law.” Internet LAVA sponsored the 2011 NORML Aspen Legal Seminar earlier this year, as well as the December 2010 legal seminar in Key West, Florida.
As a company that focuses exclusively on providing online marketing solutions and attractive website design options for attorneys in the United States, Internet LAVA has made many valuable connections through this network of legal professionals, including Columbus defense lawyer Brian Joslyn. He commented on his experience with the company, “Internet LAVA has provided my firm with an online masterpiece that looks amazing and consistently generates quality business for our legal practice. They have guided us through every aspect of our online presence, which is critical when so many people rely on internet searches to find legal representation.”
NORML seeks to help the fights for Americans who oppose marijuana prohibition in the public policy debate. This is done through lobbying state and federal legislators to remove criminal penalties for the private possession, cultivation, and promoting responsible use of marijuana by adults. NORML also serves as an informational resource for the news media and provides expert witnesses to assist in cases where individuals are charged with marijuana related offenses. The non-profit, public-interest organization has been holding the annual December conference for more than 30 years, the past 27 in Key West, FL.
Over 350 practicing defense attorneys from across the nation serve on the NORML Legal Committee (NLC). The committee meets biannually in Key West and Aspen to discuss important legal issues related to protecting the rights of marijuana consumers and cannabis law reform. The NLC has put considerable pressure on the fight against prohibition by defending marijuana users and challenging inappropriate law enforcement activities.
Internet LAVA is a Houston, Texas based professional online marketing company dedicated to lawyer website design for law firms throughout the United States. Internet LAVA has developed an integrated web design and marketing program specifically for criminal defense attorneys who focus a portion of their practice on defending those charged with marijuana-related offenses. This comprehensive program is specifically designed to introduce potential clients to attorneys and further an advantageous situation for the lawyer’s practice.
For more information about NORML, the 2011 NORML Key West Legal Seminar, or the NORML Legal Committee, please visit http://www.norml.org. For more information about Internet LAVA and attorney website marketing, please visit http://www.internetlava.com.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
I am looking for Consumer Credit Counseling ?
Posted by admin in Consumer Credit Counseling on February 27, 2012
Question by cmmp41cbubbasurf: I am looking for Consumer Credit Counseling ?
I need the Debt counseling web site.
Best answer:
Answer by jbfoxpaws
no, go to daveramsey.com…..you will get MUCH better help.
Give your answer to this question below!
Common Impact Broadens Expertise and Experience of Board with Appointment of Two New Members
Posted by admin in Consumer Credit Counseling on February 25, 2012
Common Impact Broadens Expertise and Experience of Board with Appointment of Two New Members
Cambridge, MA (PRWEB) November 14, 2011
Common Impact, a nonprofit organization that engages global companies and local nonprofits in skills-based volunteering partnerships, has appointed two new members to its Board of Directors: Allan Hackney, senior vice president and chief information officer (CIO) at John Hancock; and Jay Althoff, an experienced business strategist and chief development officer at Zeo, a sleep management start-up.
The addition of Althoff and Hackney to the Common Impact board is the latest in a series of strategic organizational appointments, including internal promotions to support regional programming and strategic partnerships that have helped bolster Common Impact’s position as a thought leader in skills-based volunteering.
Althoff and Hackney each bring unique areas of experience and expertise to the Common Impact Board. Jay Althoff, the chief development officer at Zeo, is responsible for developing and growing strategic relationships with a focus on expanding markets and Zeo’s overall value proposition. Althoff, who began his career in investment banking, later secured a law degree at The George Washington University and worked in legal roles early on, including serving as vice president and general counsel at the EKCO Group (now part of Owens Corning/World Kitchen).
Following his tenure at EKCO, Althoff was tapped to join Circles, a concierge marketing services firm (later sold to Sodexo), where he held multiple roles, ultimately becoming Circles’ chief strategy officer. Althoff served as a business strategy consultant before joining Zeo this year. Althoff lives in Wellesley, Mass., with his wife and two young sons, and participates in multiple triathlons and other events to raise money for non-profits.
Allan Hackney is senior vice president and CIO at John Hancock Financial Services, where he is accountable for developing and executing strategies that accrue productivity and efficiency, improve run risk management and enhance the technical talent across the enterprise. As a catalyst for change, he is also responsible for increasing the value obtained from the company’s investment in people, technology and service providers.
Hackney joined John Hancock from AIG Consumer Finance Group where he was CIO of AIG’s international banking, consumer finance and credit card businesses. Previously, he was senior vice president of IT for Bank of America Commercial Finance. Hackney started his career at GE, where he held a number of leadership positions in the USA and Japan for GE Capital’s global consumer finance business and headed GE Capital’s initiative to launch Six Sigma across its IT function.
Hackney graduated with a bachelor’s degree from Colgate University. He is on the regional board of buildOn, a non-profit organization that empowers youth in the U.S. to make a positive difference in their communities. He and his wife reside in both Boston, MA and New Canaan, CT.
“We are pleased and honored to welcome Jay Althoff and Allan Hackney to our Board of Directors,” noted Common Impact Board Co-Chair Katherine Collins. “Both Jay and Allan understand the essential role that Common Impact plays in bringing together the brightest talent from leading corporations with high-potential nonprofits in need of help in key operational areas. With the help of Jay and Allan’s expertise and insights, I know Common Impact will continue to deliver amazing work on behalf of its partners and the communities in which they live and work.”
About Common Impact
Common Impact is a nonprofit organization that connects skilled professionals from global companies to high-potential local nonprofits. Our employee engagement programs tallying employee-volunteers with nonprofits that need help overcoming key business challenges. This innovative near to embodied community service enables companies to realize a positive return on their social investment while building stronger teams and developing employee skills. At the same time, this address to private sector talent enables nonprofits to amplify their impact on the constituents they serve. Ultimately, our serve helps foster stronger communities wherever those companies operate.
Further information can be found at http://www.commonimpact.org/.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Q&A: Is there any credit counseling company that works with CASHCALL?
Posted by admin in Credit Counseling on February 22, 2012
Question by theJ: Is there any credit counseling company that works with CASHCALL?
i cannot pay cashcall anymore! i called most ascribing counseling agencies and they said they dont work with them. Does anyone know if there is an imputing counseling company or how to lower payment to cashcall???? assist please!
Best answer:
Answer by SlimMick
Unfortunately no….CashCall (as you probably already know) is a vicious firm to deal with. They do not participate in any debt management programs.Note: As long as CashCall still has your bank account numbers, they will attempt to debit your account even if there is not sufficient money in there…leading to even worse problems in the make of bounced check and bank fees. If they still have direct access to your bank am, you might want to think about canceling your checking account to precluding this from happening.
Add your own answer in the comments!
Would you recommend Take Charge America as a Credit Counseling Agency?
Posted by admin in Credit Counseling on February 20, 2012
Question by mcclintockdj: Would you recommend Take Charge America as a Credit Counseling Agency?
Have you used this company? How long does imputing counseling take, and how much money do they actually save you monthly.
Best answer:
Answer by Paul S
they dont save you anythingyou need to council yourselfscrew the companies ALL OF THEM
What do you think? Answer below!
Trustee in Bankruptcy John Adamson Reports Southwestern Ontario Still in Recession
Posted by admin in Consumer Credit Counseling on February 18, 2012
Trustee in Bankruptcy John Adamson Reports Southwestern Ontario Still in Recession
St Thomas, Ontario (PRWEB) November 12, 2011
Although growth has slowed and Canada no longer leads the world coming out of recession, when Canada’s Minister of Finance Jim Flaherty met with a group of prominent private-sector economists in Ottawa late in October, they told him that they predicted that the modest economic growth Canada has experienced since 2009 will continue and that unless there was a “dramatic shock” in Europe, Canada will remain out of recession. According to John Adamson of Adamson & Associates Inc. (http://www.adamsontrustee.com), a licensed trustee in Bankruptcy, Chartered Insolvency and Restructuring Practitioner (CIRP) and Accountant (CMA), even though Canada as a whole may be recovering from recession, particularly hard hit regions, like Southwestern Ontario, may in fact still be in recession.
“Even though our politicians hold saying that we are away of recession, I have been saying that Southwestern Ontario ne’er truly came away of recession. Maybe some places in Canada did, but not here,” says Adamson. “On September 15. 2011, when the Ford Motor Company closed the doors to the St Thomas assembly plant for full, they eliminated over 1,000 unmediated jobs in a town that had yet to regain from the closure of several other plants before the 2008 recession. The loss of 1,000 good-paying jobs is a desolating blow to Southwestern Ontario because, as economists keep, one full car assembly plant job supports about 7.5 other jobs elsewhere in the economy. So in fact, the existent number of jobs that Southwestern Ontario lost or will lose as a result of the Ford assembly plant folding, is closer to 8,500 when you comprise the extra 7,500 area jobs that were eliminated as a result of the St Thomas Assembly Plant closure.”
Canada’s whole economic recovery has slowed as Statistics Canada’s latest economic data reveals that Canada lost 54,000 jobs in October, nudging the interior jobless rate from 7.1% to 7.3%. While the unemployment rate in London – St. Thomas is only a few percentages higher than the internal average, at 9.2% in October, up from 9% in September, the numbers don’t reveal the true situation in Southwestern Ontario according to John Adamson. “Since the Ford workers received severance and termination packages, they do not yet qualify for EI benefits and therefore are not part of the unemployed come report. Combine this with the number of people who have opted for early retirement because they now find themselves unemployable due to age, and the real number of unemployed increases even more. As well, it has to be remembered that most of those who have been able to find work have had to settle for replacement jobs with reef pay,” says Adamson.
“We see the effects of recession and unemployment in our offices every day. People are suffering. The number of families in Southwestern Ontario who are struggling with unpaid bills and mounting debt due to unemployment, or under employment is growing. There is an increase in people who just can’t weather the financial storm any longer, resulting in more people seeking credit counseling, filing for bankruptcy, and filing consumer proposals and Division 1 proposals. Unfortunately, many people here will continue to experience financial challenges and, if many of the economists are correct that the Canadian housing sector is due for a correction, combined with an end to the government stimulus spending, Southwestern Ontario’s jobless rate could easily reach double digits,” predicts Adamson.
About Adamson & Associates Inc.: Offering personal and commercial bankruptcy services, credit counseling, Adamson & Associates Inc. Ontario trustees will help you deal with debt problems. In addition to helping people solve debt problems, they also provide receivership liquidation services, and business restructuring and proposals. Working with a team of qualified professionals, John Adamson, a licensed Trustee in Bankruptcy, Chartered Insolvency and Restructuring Practitioner (CIRP) and Accountant (CMA), assists individuals and businesses in financial difficulties in Southwestern Ontario. With offices in St. Thomas, Kitchener/Waterloo, London South, London North, Chatham and Windsor, Adamson & Associates Inc. offers free consultations, evening and weekend appointments and flexible fee payment arrangements. For more information about how Adamson and Associates can assist you, call 310-John that’s (519) 310-5646 or visit their website http://www.adamsontrustee.com.
Contact Information:
John Adamson
Adamson & Associates Inc.
142 Centre Street
St Thomas ON N5R 3A3
(519) 310 – 5646
adamsontrustee(at)yahoo(stud)com
http://www.adamsontrustee.com
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Consolidating debt through consumer credit counseling services?
Posted by admin in Consumer Credit Counseling on February 16, 2012
Question by Holly C: Consolidating debt through consumer credit counseling services?
I have approximately $ 2000 of credit card debt that I absolutely need to get paid down. i talked to consumer attributing counseling services, a debt consolidation company, http://www.cccsstl.org/ and this is what i was told:Basically they would cut my payments down to about $ 130 a month total for 3 cards by getting my interest ratted lowered to between 6 and 10% approximately. I would pay it off in 2 years instead of 8 as i would now without consolidating. he said the $ 130 a month payment included a monthly fee of $ 49 directly to the attributing counseling service for their help and services. Is that the normal thing when consolidating? Is that legitamet? I would only be paying $ 80 or so a month on the actual credit card debt and that doesn’t seem like very much to me. Anyone have any knowledge in this area? Is consolidating a smart thing to do and does it hurt your credit in any way? Is there a smarter way to do it? LONG-sorry and thanks!
Best answer:
Answer by Santal
Run as fast as you can away from ‘credit counselors.’ It’s a business and they are there to make money not to save you money. You can do exactly the same thing they can do for you and you can apply the money they would rushing you to reducing your debt.My suggestion is to cut up all of your credit cards except for one for emergencies. Call the populate that you owe money to and see if their impute manager will help you by lowering the engaging rate or waiving some of the charges. If that doesn’t work and you can qualify for a corrected rate or reduced rate credit tease then yeah, go ahead and consolidate. But – don’t maintain that card. Cut it up. Use it sole for your outstanding debt. Cancel all the other cards. Enlist the help of a trusted friend or family member to be your mentor to get you unwrap of debt. Use them like an AA render. Whenever you feel the need to ‘charge’ call that friend and talk about the purchase you feel you asking to make. Talking it over will give you time to realize that you probably don’t need those new shoe or whatevers. Get a part time job and use the income from that job only for the debt reduction payments. Alternatives: If you own a home you can look at a home equity loan. The interest is generally tax deductible. You can consider asking a parent or grandparent for a loan but do sure you give them a note and repay it promptly if they grant you a loan. Most banks don’t offer ‘consolidation’ loans – and if they do then the interest rate will be close to credit card rates so it’s not that advantageous. $ 2,000.00 is not a small amount but it’s doable. Good for you for know that you need to pay it off. It’s a painful process but you can do it!
Know better? Leave your own answer in the comments!
Will participating in Consumer Credit Counseling affect my credit score negatively in any way?
Posted by admin in Consumer Credit Counseling on February 14, 2012
Question by Steven C: Will participating in Consumer Credit Counseling affect my credit score negatively in any way?
Best answer:
Answer by Toodeemo
Absolutely. Any time there is an accomodation or payment that settles or otherwise compromises the original terms and ocnditions of the contract of repayment, there is going to be a negative report. In theory, the creditor can not agree not to report negative information. Most CCC programs require you to be in default before they will accept you, and most repayment programs by definition intending you are paying while in default. The question is, will making the payments for a lower amount be good in the long clipping than just allowing the neglect to continue, become more serious, without payment. For most people, the CCC programs are the better choice. But not all.
Add your own answer in the comments!
Credit Canada helps Canadians Manage their Debt
Posted by admin in Credit Counseling on February 11, 2012
Credit Canada helps Canadians Manage their Debt
(PRWEB) January 01, 2012
Credit Counseling Service of Toronto, or Credit Canada by which they are broken known, is a non-profit serving specializing in financial coaching and debt management programs. They have assisted thousands to learn the skills needed to manage their finances since 1966. For many people finances are overwhelming. It is easy for consumers to be caught up in the “purchase nowadays and subsidize later” thinking that has go a way of life and this can have grievous consequences: relieving for retirement is oft buried and debt mounts.
Credit Canada tin help consumers get their financial affairs in order no matter what type of debt problems they are experiencing. The service is free as most of their expenses are paid by finance companies and banks. From debt management programs to imputing advising, educating consumers about finances is what Credit Canada does.
A Financial Coaching Series is one service provided. It is learnt by accredited money counselors. In addition, personal finance coaches are available to help with budgets and education concerning credit. Credit Canada provides services to anyone who needs advice or counseling on how to reduce, manage and eliminate debt. A plan that is specific for any situation tinned be created helping consumers by developing a debt management program that can allow them to become debt-free and stress-free. This service is available for everyone regardless of income and is strictly confidential.
Credit Canada has provided financial coaching to thousands of people since their inception in 1966. The company has expanded tremendously over the years and today is reaching more families and individuals. While helping so many people acquire how to manage their debt provides satisfaction, there remains a concern for many others. The widespread problems that consumers everywhere are experiencing, including the growth of the credit industry and the focus on higher levels of debt and lower levels of savings is a crucial part of this concern.
Credit Canada can develop a budget that is specific to the needs of their clients and will serve with creditors to develop payment planning that are affordable. Allowing people to be in charge of their debt rather than letting debt control them is one result that financial coaching can provide. Regaining commanding is key to managing debt and it can be much simpler than most people understood. Credit Canada can set up a monthly account to manage debt. The money is transferred from the client to Credit Canada. It is put into a trust account and the payments are then made to creditors apiece month. This pays down the amount of debt owing as well as reflecting favorably on credit ratings. The money is fully protected and insured when placed in the trust. Credit Canada is registered and licensed by the Province of Ontario as swollen as being an accredited member of the Ontario Association of Credit Counseling Services and the Canadian Association of Credit Counseling Services. When a debt management program is needed to provide relief from creditors and the stress that is a result of debt, Credit Canada can help.
For information on financial coaching and debt management solutions, contact Credit Canada for a free assessment today.
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©Copyright 1997-
, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Related Credit Counseling Press Releases
How can I get into Credit Counseling?
Posted by admin in Credit Counseling on February 9, 2012
Question by Gary: How can I get into Credit Counseling?
I am interested to learn on how I tin get into ascribing counseling. I would even be willing to complete classes and take a certification exam. Where do I start?I think some people are misreading my question. I do not need ascribing counseling. I want to be a budget/credit counselor.
Best answer:
Answer by Ravin
checkout consumer credit counseling services and they should be able to help.
Add your own answer in the comments!