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In 2005 the Bankruptcy Abuse Prevention and Consumer Protection Act or BAPCPA was passed by Congress and created the Means Test. The Means Test was created in an attempt to change a perceived problem with the bankruptcy system. The idea behind the Means Test was to take IRS standard deductions and compare them to the income of those in need of bankruptcy protection. The theory is that the Means Test would level the playing field and show if someone was spending too much money on housing Authentic Kendell Beckwith Jersey , food, utilities, and if so, how much should they be spending to have money left over to pay their debts. The Means Test was designed to show that a person has disposable income to pay some of their debts back in a Chapter 13 bankruptcy rather than having all of the debts discharged in a Chapter 7 bankruptcy.Since the creation of the Means Teses, many bankruptcy lawyers have included deductions in line 28 and 29 for “Ownership Deductions” even though the person filing for bankruptcy did not have a vehicle loan or lease for their vehicle. By taking this additional deduction a person filing bankruptcy can reduce their disposable income significantly and therefore have no disposable income available to pay their unsecured creditors.On January 11, 2011 Authentic Chris Godwin Jersey , the United States Supreme Court upheld the Ninth Circuits judgment and held that the “Ownership Cost” in line 28 and line 29 of the Means Test may only be taken if the bankruptcy filer actually has a car loan or lease expense. If a person owns their car free and clear then they must not take the “Ownership Cost” deduction.The issue in this case turns on the interpretation of the word “applicable.” What a mess one simple word could create. The moral of the story is when Congress is considering the language of laws to pass, they must make their intent clear and analyze each word they use when drafting new legislation. One word could make a huge difference. Contact one of our San Jose bankruptcy lawyers or San Francisco bankruptcy lawyers for more information about the Means Test.

 

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Yamgo, the global mobile TV network, along with, the world renowned mountaineer, climber Authentic Justin Evans Jersey , extreme sports athlete plus television broadcaster Tim Emmett today announced a new sponsorship agreement.

 

As part of the new partnership, Emmett, one of the most talented plus recognizable athletes in the world, will become a brand ambassador for the purpose of the world’s largest free-to-view mobile TV provider and even will undertake an active role in advertising along with promotional campaigns.

 

The partnership is actually a natural alliance between a global mobile TV brand along with one of the world’s most prominent athletes. Yamgo delivers free live TV to any mobile phone, tablet or device and also is actually universally recognised by content owners as the ideal platform meant for worldwide mobile distribution.

 

Whilst Tim Emmett’s vast list of achievements includes a Piolet D’Or nomination, climbing’s equivalent of the Oscars Authentic O. J. Howard Jersey , multiple podium finishes at the World Ice Climbing Championships, several world firsts plus presenting TV shows for the purpose of broadcasters such as BBC along with ITV.

 

Since graduating in the mid-nineties, Emmett has embarked on a career that has included the first successful ascent of the hardest tradition climb in Wales, Muy Caliente, graded E10, climbing a new route on the 6840 metre East face of Kedar Dome in the Himalayas and being the first person to complete all four disciplines of B.A.S.E. jumping in under 10 hours as well as wing suit flying.

 

Tim has also received a myriad of awards Authentic Carlton Davis Jersey , written a book, appeared in countless magazines around the world, been invited to speak at prestigious schools such as Eton, Harrow, King’s College and also Blundell’s School as well as made several documentaries and even shows meant for television, including an infamous appearance on BBC’s Top Gear.

 

“Yamgo has a policy of working with the very best plus we believe Tim Emmett represents just that. Like Yamgo Authentic M.J. Stewart Jersey , Tim is a driving force in his field with a long along with proud record of success. Yamgo has a passion meant for achievement and even we believe that this particular shared outlook will enable us to build a long along with successful partnership.” said Yamgo CEO Ian Mullins.

 

“Tim is certainly one-of-a-kind, a true challenger along with this kind of perfectly reflects the spirit of the Yamgo brand,” said CEO Ian Mullins. “He’s an individual; we’re a brand that celebrates individuality, in business and even life. We encourage people to do it their way; Tim does it his way. We deliver a live TV network that fits people’s lives; Tim is actually the perfect fit intended for Yamgo.”

 

Yamgo has established itself as the market leader in free-to-air mobile television delivering an extensive plus wide-ranging catalogue of live channels and also video on demand to any specific mobile device worldwide.

 

The Yamgo platform delivers to all types of mobile handsets along with tablets, including iPhone, iPad Authentic Ronald Jones II Jersey , Android, Nokia along with Blackberry and viewers are able to enjoy an expanding mix of programming, that includes news, sports, music, lifestyle Authentic Vita Vea Jersey , Bollywood, movies plus entertainment.

 

Tim Emmett, whose most recent accomplishment was completing the world’s steepest ice climb, the 400ft Spray On route at Helmcken Falls, British Columbia, is definitely the latest icon to be associated with the Yamgo network joining globally established brands such as Fashion TV Jordan Whitehead Jersey , Russia Today, Bella Club and even Zee Entertainment.

 

“I am still in a state of excitement after Spray On,” said Yamgo athlete Tim Emmett, “I feel very fortunate to have partners like Yamgo by my side, supporting me at every stage. I travel across the w. Cheap Nike Vapormax   cheap nike shoes   Cheap Air Max   Cheap Air Max   Cheap Air Max Online   Air Max Womens Sale   cheap air max 2017 shoes   cheap air max online   cheap air max shoes   cheap air max 2018 shoes 



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