How Does U.S. Trademark Law Protect A Logo?

Your business has just created the most amazing logo of all time. The design is original and professional looking, it fits nicely with your social media platforms, and it tells your brand’s story in a unique, but timeless way. Now you juåst need to figure out a way to protect it, because you know anyone who sees it is going to be tempted to steal it in a heartbeat.

We all know that starting and running a business comes with a lot of challenges. Many of those challenges will never even cross your mind until they’re right in front of you. This could be deciding which business entity to use, which state to incorporate in, or filing a trademark. These sort of decisions, while they may be considered boring, are necessary to protect the business you are building.

In general, you should always seek legal council for handling these matters. You’ll minimize the risk of making a mistake and free your time to handle the aspects of your business that you are best at. But this article should answer some basic questions and get you headed in the right direction.

Copyright vs Trademark for Logos

When it comes to protecting your intellectual property, the two options you will likely consider are copyright and trademark protection. In some cases you may be able to use both for the same intellectual property, but usually you won’t have that option because there are particular guidelines for each.

A copyright protects authors of “original works of authorship,” including literary, dramatic, musical, artistic, and other specific creative works. However, a copyright does not cover intellectual property such as titles, names, short phrases, familiar symbols and designs, or color schemes. Most logos and slogans do not qualify for copyright protection.

On the other hand, a trademark protects a word, phrase, symbol or design that “identifies and distinguishes the goods or services of one person or company from those of others.” Your logo, tag-line, or any other similar branding elements are protected.

What about the case of a logo being protected by copyright? There are instances where your logo may be eligible for copyright protection, if your logo is more complex and original. Simple logos, such as the “swoosh” for Nike resemble common symbols and cannot be trademarked. However, if your logo is completely original, artistic, and complex it may qualify for copyright and trademark protection.

Protecting Your Logo With a Trademark

The purpose of a trademark is to protect the things that set your business apart from others. Trademarks protect a more broad range of items than copyright, but the actual protection itself is more limited than copyright. A copyright is designed to protect against virtually all unlicensed copying that is outside of fair use, while a trademark only deals with use of the “mark” that causes confusion in that company’s marketplace.

For example, let’s say your business is a bakery that’s known for delicious apple pies and the name is Apple Bakery. Well, Apple Inc. (the company responsible for the device you are quite possibly reading this on) couldn’t sue you because no one would mistake a bakery for a company that sells computers.

A trademark prevents other businesses in your industry from trying to use elements of your branding to confuse unsuspecting consumers into thinking that both companies are affiliated or are the same company. We see this all the time with knock-off products from China that look close to the original product, but aren’t quite the same.

How to Trademark a Logo

While you can certainly do this yourself, I would recommend at least speaking with a trademark attorney first. Not only will they be able to answer specific questions about your unique logo, but they can get the trademark filed quickly. Finding an attorney who specializes in intellectual property protection isn’t difficult and can be done with a quick Google search. Simply do a search for trademark attorneys in your area.

If you’d like to go ahead and do it yourself, that’s fine and the process isn’t too complicated. First you want to go to the United States Patent and Trademark Office website and use the Trademark Electronic Application System (TEAS) for filing online. The system is user-friendly and will guide you through the necessary steps. The cost of filing online is $325 and you can look through the fee schedule to see the costs for any other filings you might need to do with the USPTO.

You will be asked to provide the following information:

  • Name of the applicant filing the application or name of the owner of the mark

  • A name and address for a person to contact

  • A clear drawing of the mark

  • Listing of the goods or services

  • Filing fee for at least one class of goods or services

You want to make sure you get everything correct because the USPTO does not refund application fees for rejected marks. If you have any questions they have phone support 24 hours a day to help guide you through the process.


Kyle Stout is a freelance writer based out of Houston, TX. This article was prepared on behalf of Vethan Law Firm, P.C.

Importance of investing in courier insurance

There are certain types of insurance that are mandatory. Car insurance or health insurance for individuals and families and liability insurance for companies are imperative. They are mandated by law. Then there are some optional insurance policies such as life insurance. Any business should have the appropriate insurance that is relevant to its industry or modus operandi.

Courier services should always be insured. Many people who send parcel to USA don’t really insure their cargo or shipments. It is up to the individual who is sending the parcel to USA but as a courier services provider, the company must be insured and should protect its own interests.

Here is why investing in courier insurance is so important.

  • First, it offers financial security. A courier company must never pave the way for a scenario when it would be held accountable for the loss of items or consignments and shouldn’t have to pay compensations or reimburse the losses incurred from its own wallet. Courier insurance is the only way to ensure that all financial liabilities are borne by the insurance company. It may seem that the premiums are being paid in futility if a courier company is not making any claims but then there can be that odd instance when one claim will justify the investments over the years. It is necessary to look at the untoward possibility instead of focusing on the recurring investment.
  • Courier insurance is necessary from the perspective of business interests as well. Most courier companies work within a network. Excluding the very large shipping companies in the world that have a presence everywhere, most courier services work with other companies and manpower firms to get their consignments delivered. Unless a courier company is insured, it may not be deemed eligible for a contract within a network. Associating with other providers will become a challenge and it may be deemed impossible. Hence, courier insurance is integral to the business interests. It will contribute to the forging of associations and shall help in the growth of the business.
  • Courier insurance is also integral to branding. While there are people who don’t allot much significance to insurance, yet there are many who would never consider any courier services unless it is insured. Companies with adequate insurance are seen as brands and one has to have such a perception if that business has to grow.

How to Stop Social Security Disability Fraud

Social Security Disability Fraud – What Is The Government Doing To Stop It

The American Social Security system saves millions of Americans from becoming impoverished. It has amounted to a lifeline that our nation offers to those in need, with the average monthly benefits just over $1,100. That’s not an ideal dollar amount, but it does allow a recipient to find sufficient housing, food, and access to medical treatment. The Social Security Administration operates on an incredibly tight budget, and as a result, they highly scrutinize every application.

In order to qualify for Social Security Disability, simply being out of work isn’t enough. Fewer than 4 out of every 10 disability applicants are approved, even after all appeals have been extinguished. It is required that workers must have paid into the Social Security system for a long enough period of time to cover their case of disability. All applicants must provide lengthy and extensive medical records as proof of severe disability, illness, or injury.

Statistics & Numbers That Lend To Fraud

Many critics of Social Security Disability cite fraud has the reason why it’s a failing institution that needs to be overhauled or abolished altogether. They have provided some alarming statistics that lend to Social Security Disability Fraud:

  • From 2010-2013, 5.9 million Americans were approved for Social Security benefits while only 2.7 million new jobs were created in the country

  • On average, only 6% of beneficiaries return to work annually

  • The Social Security trust fund is constantly on the brink of exhaustion

  • Over the last 5 years mental illness claimants climbed from 16% to 33% of beneficiaries

What Kind Of Fraud Is Committed In Social Security Disability

Last year the Social Security paid out more than $175 billion in disability while receiving 72,000 fraud allegation claims. The largest case, in recent years, of Social Security Disability Fraud culminated last year with 130 police officers and firefighters that were first responders in the New York City September 11th terrorist attacks. They conspired to defraud Social Security for more than $2.2 million. Most disability fraud cases never get close to that sum.

Social Security Disability fraud cases don’t tend to be large dollar amounts organized by groups of people. They are individual acts of exploitation. The Social Security administration will receive an anonymous tip from their website or toll-free number and they investigate it. The investigation can be simple, by interviewing the alleged fraudster at home. Many times, investigators will have to get creative to uncover fraud. They may look deep into a potential fraudsters public records to see if their social lives are contradictory to the disability claims they’ve made.

The Future Of Social Security Benefits Fraud

In the immediate future, baby-boomers are now coming of an age where they are in more need. This aging generation of the U.S. population accounts for nearly one-third of all Americans. Demand for Social Security Disability assistance will only increase as they age. Further exacerbating welfare assistance programs is our country’s continued population growth. As an American, we must continue to be vigilant when noticing Social Security Disability Fraud. Nearly every case of fraud is perpetrated by greedy individuals who exploit those in need for financial gain. The only two ways currently available to catching fraud is administrative review, which is dwindling due to resources being shifted to other parts of government, and every day people reporting them to the Social Security Administration so an investigation file can be opened.

This article was written by Jerome Eckerman. Jerome is currently a law student in Sydney Australia, but originally he hails from Orlando, FL. Jerome is good friends with Charles H. Leo, P.A. – an Orlando based SSDI and Workers’ Compensation attorney. Jerome frequently contributes content to Mr. Leo’s law practice.

How a Bail Bond Works


Bail bonds are discretionary amounts set by a judge as a kind of insurance that an arrested suspect will attend all required court dates. This amount is paid to the court while the accused person awaits trial. Since that waiting period can stretch out to several months, it is highly desirable that the defendant is released from jail pending that trial. Otherwise, he would be forced to remain in jail right up until the time of the trial, and during the trial as well.

Types of Bail Bonds

According to EZ Bail Bonds, a provider of Brazoria Bail Bonds, there are several types of bail bonds that can be imposed by a judge in any given case. The type imposed is at the discretion of the judge, based on an assessment of the attendant circumstances. When a defendant’s crime is relatively minor, or if he is not thought to be a flight risk, the judge might decide to release him onhis own recognizance, meaning no bail will be imposed.

How a Bail Bond WorksA surety bond is one arranged with the backing of an insurance company, or with multiple insurance companies working together. A property bond is one in which the defendant puts up personal property like a home or vehicle to cover the amount of the bond, and this property is then put under lien by the court. An immigration bond is one that applies in cases where an immigrant has been detained for some reason, and the judge allows the immigrant to be released until a formal hearing has been held.

How Bail Bonds Work

A bail bond is very much like a loan. As the bond requester, you put down a percentage of the total amount, and a lending agent called a bondsman supplies the remainder. The difference between what you put down and the total must be secured through collateral that you provide to the bondsman in the event that the accused flees. When that happens, the court will not refund the money paid to it by the bonding company.

According to EZ Bail Bonds, a provider of bail bonds in Pearland TX, the collateral you provide is generally a high value asset like a house, a car, or expensive jewelry. These can all be lost if the defendant does not appear for trial as demanded by the court. Since bonding companies assume the lion’s share of risk, they have developed certain best practices to maximize their chances of being repaid. Chief among these practices is for them to insist that a friend or relative of the accused provides all collateral. The reason for this is that a defendant is far less likely to skip town when it will result in the loss of a loved one’s valued possessions, as opposed to the accused himself putting up collateral and losing it.

When a defendant does appear in court for all required dates, the court will then return all bonded money to the payer, even if the accused was convicted of the crime. If the defendant did not appear for trial and cannot be found, the bonding company will usually send out a bounty hunter to bring the person back. In the event that the defendant cannot be tracked down within a period specified by the court, the bonding company will lose its money, and it will then attempt to recoup as much of that amount as possible by selling off the collateral provided by the bond requester.

Insolvency Providers

Insolvency Providers deal with business bankruptcy and business insolvency. These are complex issues that need a specialist in insolvency in order to do it to the advantage of the company. Those who need information about insolvency are the employees, the company directors, the company itself, the creditors and others involved with the company that is going under. There are numerous forms to fill out that include tax forms required by law. Insolvency lawyers can help a company successfully go through the bankruptcy process without major legal issues.

The insolvency provider helps the company write applications to wind up on behalf of creditors. They provide legal representation to the company and advice liquidators on the causes of action available to them. They help the company directors understand the unlawful stewardship of the company. They prepare deeds of company arrangement and act as a liaison between the directors and privately appointed receivers. They work with the court system on bankruptcy matters and on statutory demands. They advise the liquidators on actions available to them against the company directors for company insolvent trading, the trading of non commercial transactions and moneys the directors had received prior to the insolvency.

You need to work with a law office that has a wide variety of lawyers available, including those that deal in insolvency and bankruptcy for major corporations. For More Information Visit: Employment Law Solicitor Compensation

Deep Vein Thrombosis and Pulmonary Embolism

Deep vein thrombosis or DVT and pulmonary embolism or PE are both blood clotting problems.   Worldwide, the DVT is most common and can approach a risk of getting a DVT of up to 15 percent in some areas of the world. A pulmonary embolism is much less common. DVTs lead to PEs and it is estimated that about 3 percent of DVTs will ultimately become a case of fatal PE. Nonfatal cases of PE do occur but are considered medically dangerous.

As mentioned, DVTs occur first. They usually begin with a small clot in the deep veins of the lower leg near the ankle. As they get bigger, the clot travels up the calf to the knee and finally to the thigh veins and even the pelvic or abdominal veins. The higher up the DVT travels, the greater is the risk of a piece of the clot to break off, travel up the vena cava to the lungs where the clot can severely impact oxygenation of the lungs.

DVTs occur under special circumstances. They require that the flow of blood through the deep veins of the leg to be very low. You need the muscles of your legs to push the blood flow through the veins and if your legs are not moving, the blood does not flow. A DVT also occurs under conditions where the deep veins are damaged somehow. People who have chronic leg swelling often have veins that are under too much pressure and have become damaged somehow. Finally, there may be the presence of some type of clotting disorder that causes the blood to clot excessively.

Common conditions that lead to the development of a DVT include long haul traveling conditions. People who fly economy class on an airplane for approximately four hours or more take the risk of developing a DVT because they aren’t getting up and using their muscles to move blood around. A long travel experience in an automobile, train or bus can do the same thing. These people aren’t always drinking enough; their blood can get sluggish due to the relative dehydration.

In addition, women who take birth control pills or are on estrogen replacement therapy put themselves at higher risk for DVT. Patients who have cancer have blood factors that increase coagulability. Even the obese person, the elderly person or the pregnant woman carry an increased risk of developing a DVT.

One of the problems is that the DVT can have no symptoms and the person who has it runs the risk of the DVT going on to become a pulmonary embolism. Many patients, however, do have symptoms. They experience pain in the calf, near the back of the calf. This is associated with a dusky appearance or redness of the affected calf. The calf may be enlarged and have a greater circumference when compared to the opposite leg.

When the doctor sees these findings, he or she can check a Homan’s sign. This is a test where the doctor tips the ankle upward in a maneuver called “dorsiflexion”. If the patient truly has a DVT, he or she will experience increased pain in the back of the calf when the doctor does the dorsiflexion. The doctor can do a blood test to see if there are blood clots somewhere in the body. This is called a d-dimer test Rhinoplasty Negligence Solicitors.

If the d-dimer test reveals clotting in the body, the doctor can order an imaging test of the calf, such as a Doppler Ultrasound. This is a completely noninvasive test that uses ultrasound to measure the blood flowing through the deep veins of the leg. If the blood flow is blocked, there is probably a DVT. Another test, called a deep vein venogram, can be used but is more invasive. It uses contrast dye and x-ray to visualize the size and shape of the veins directly and can see the blood clots.

Untreated DVTs can be dangerous so doctors use TPA or tissue plasminogen activator on the most serious DVTs. TPA is a clot buster that can break up clots fairly quickly. The doctor can also have a surgeon place a special filter in the abdominal vena cava, which protects the rest of the body from clots that might break off and travel to more dangerous areas of the body.

The doctor can also treat more minor DVTs with oral Coumadin pills and intravenous heparin. The heparin thins the blood right away and the Coumadin takes several days to become therapeutic and be able to thin the blood all on its own. When this happens, the patient can go home on oral Coumadin alone.

If the patient is unlucky, a clot will break off and travel to the lungs. A bigger clot might travel up the vena cava and get stuck at the openings of both of the patient’s lungs. The patient usually then suffers from an acute cardiovascular collapse and dies within a few minutes. In fact, it is estimated that about fifteen percent of cases of sudden death aren’t from a heart attack but are from a PE.

Some patients have several smaller clots that settle in the deeper tissues of the lungs and cause the patient symptoms. The patient with smaller clots will experience shortness of breath and pain somewhere in the chest that becomes worsened on deep inspiration. The patient might be anxious or might notice a blue tinge to their lips or fingernails.

When the doctor sees the patient with a PE, he or she will note low oxygen levels as well as the possibility of a friction rub, which is a special sound heard with the stethoscope when listening to the lungs. This might cause the doctor to order a d-dimer test, similar to the test ordered for a DVT.

Imaging studies for a pulmonary embolism include a CT scan or MRI scan of the chest with IV contrast dye. A plain x-ray of the chest will be negative in a PE. A positive test for PE indicates immediate treatment. The treatment for a PE is essentially the same as with a DVT, although TPA is used more often in cases of PE. Please Visit Here

What are the Reasons behind the Preference of Ann Shirley Sheeley?

Ann Shirley Sheeley, is a proficient attorney lawyer who pursued her graduation from the State University of New York at Albany and Pace University School of Law and has achieved much during her 22 year career as the civil law attorney.

After graduation, she has been the attorney for umpteen firms in Rhode Island and Massachusetts. Responsible for managing suits across several areas of civil law, she cultivated her skills as a negotiator, litigator and researcher.

Owing to her early experiences, she has developed a creative approach to representation, involving research, problem solving, and analysis. In this way, she is able to create convincing, customized strategies for each of her clients that have had a high rate of success. Her USP is the defense in the courtroom that leads her towards the path of the success. There are umpteen occasions where a general ordinary lawyer will face the debacle but Sheeley has always delivered the exceptional out. She in the first run goes through the profile and in the later run delivers the stupendous.

She has been adept in the criminal defense, the workers compensation and the personal injury law. She has also received the award for the best orator. This shows her proficient nature. If any case comes to her she goes on with the deep scrutiny. She gives full form devotion to the client. If there is any personal query, it is at once. What makes her so pertinent is the genuine attitude she posses during any type of the case. Under her marquee the case does not take enough to long.

If compared to the other type of the lawyers who practice the sham techniques and give the first priority to the money than the interest of the client, she is poles apart. She does not follow this type of the tradition. In her case, the client is connected emotionally. As a matter of fact, Ann Shirley Sheeley, has been highly elite and experienced, which gives her the license of performing the phenomenal in all the cases. When she is in the court room, she performs such magnificent that all in the room get attracted and favorable to her client. She is unlike others who pull the case devoid the vital reason. Her performances are such splendid that naturally add the feather to her cap. No one can deny her exceptional choices and her tough defenses for her client, which distance her client from the bars.

She is the stock of the quantum perfection and it does not need any type of elucidation. Since, her every case towards the client is supports the emotion, her modest nature is obvious then. What makes her more perfect is procedure or the path that she chooses to pursue a particular case. No doubt, Ann Shirley Sheeley, has been true blue in her practice, her increase in the priority becomes quite genuine. In nutshell, she is just the package of perfection through which it panders to the essences of her clients.

Understanding Habitual Offender Declaration

Million of car drivers have received a traffic ticket for not abiding rules and regulations of the road. A traffic violation can be anything from drunk driving, speeding to reckless driving. Depending on the governing rules of the country or state that you are in and the severity of your traffic offense, you are required to settle an imposed fine.

Getting a traffic ticket can be a costly repercussion of your driving mistakes. If you think you can just pay the fine for speeding or driving under the influence of alcohol, think again because you face the possibility of having your license revoked and even have third degree felony permanently in your record. For repeated traffic violations, revocation of driver’s license is possible. Understanding your country’s Habitual Traffic Offender regulations can shed light on how to avoid your driver’s license being revoked.

What is a Habitual Driver Offender?
In the United States of America and Australia, a habitual traffic offender is defined as an individual with three or more separate traffic violations that are accumulated within five years. A repeat traffic violator will have his license revoked for five years. This is besides the driving disqualification as per the court’s decision due to the third serious offense. This means if the court imposed a three-year driving disqualification, you won’t be able to drive for eight years.

In NSW, if you are convicted of the third offence, you will be declared as a habitual traffic offender and your license will be revoked for five years. The disqualification will take place after the court’s disqualification ruling.

What violations are serious offences?
Not all traffic violations are under NSW’s habitual offender declaration. Only serious offences such as driving under the influence, speed driving, reckless driving, driving without license, negligent driving and altering urine or breath test are counted.

What are its penalties?
Habitual traffic offender is not just as a simple traffic violation. In Florida, it is considered as a criminal offense. Aside from the revocation of driver’s license, a repeat offender can be charged with third degree felony and $5000 fine. Jail time for five year is also possible. Since Florida considers HTO as a Third Degree Felony, it will be forever on your file, resulting to job hunting difficulties and even dismissal at work.

What is the procedure in quashing the declaration?
Once you are declared as a habitual traffic offender, you can go to the court and request the declaration to be quashed. Keep in mind that it you can apply on and after your sentencing. For legal assistance, Prime Lawyers can help habitual traffic offender declaration revoked by the court.


To overturn the declaration, you must provide the court with records entailing the unjust punishment of your case. The court will review your driving history and other relevant factors. Another option is to ask the court to reduce the declaration. The reduction of the sentence will not be less than two years. Remember that whatever the court’s decision is, it is considered as final and binding.


The road to the bar – getting started in the world of law

Lawyers perform a valuable role, especially as the law today is intertwined with every aspect of our society. Lawyers work for clients ranging from individuals and businesses to government agencies,and are involved in representing the client in legal disputes. They represent theirclients’ interests and are responsible for filing legal documents such ascontracts, deeds, and wills. Lawyers typically specialize in one or more areas ranging from criminal law, corporate law, taxes, family law, and litigation.

The basic qualification for an associate is a Juris Doctor (JD) degree from an ABA-accredited law school. Prospective lawyers need to take the LSAT after completing their bachelor’s degree as a precursor to gaining admission to a law school. Earning the JD typically takes three years. In addition, most states have their own bar exams to obtain a license to practice. Here are some useful tips to keep in mind when starting your legal career.

Understand the culture

Making an effort to understand and blend into the culture at your company will make the process of settling in much easier, and your peers and superiors will accept you quicker. This includes learning what to wear, the hours you really need to work, and whose opinions matter most. Talk to people and find out common mistakes to avoid.

Seek a mentor

Your success ata law firm or any other profession depends on finding and developing strong mentor relationships, both over the short term and long term. Finding a suitable and willing mentor is the most important step you can take when you are starting your career. It is best to let this develop organically, rather than forcing yourself on people.

Always seek feedback

As a new associate, you will often find work piling on your plate from different attorneys with little or no feedback. The fact that they are giving you work means your work is good, but it always helps to ask for feedback. Jennifer Douglas now a barrister, also holds adoctorate and is actively involved with fundraising for cancer and AIDSthrough the Gede Foundation, which she founded. She recalls her associate days and mentions that seeking constant feedback was her way of benchmarking her performance.

Write for the correct audience

This is one area that often gets new lawyers in trouble. A lawyer who asks you to write a three-page memo will be less than thrilled with an effort that reads like a law review article. The key here is to look for models and, before writing, ask for samples of required content. This gives you a good idea on what and how to write.

Draw the line with gossip

This is applicable to all companies where you work. Don’t get involved in company gossip, especially if you are a new associate. Likewise, don’t disclose any of your previous indiscretions as this will spread like wildfire, often with salacious embellishments. Use your judgment, and keep a distance from gossip and office politics.

The road to the bar is long but rewarding, and you can use the tips above to get a smooth start in the world of law. Good luck with your legal career.

Government Law Debt Solutions United Kingdom

The IVA debt arrangement is a way of dealing with serious debt issues, which is only accessible in the United Kingdom. These formal contracts are utilized a debt solution conditions alike to those which would be believed appropriate for bet management in the United State. IVA is the abbreviation of Individual Voluntary Arrangement and is as proper legal contract that is established in the middle of you and your lenders.

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Legal Debt Solution in UK

By making use of Individual Voluntary Arrangement you are in agreement to make regular reasonable installment against debts for up to 60 months, and then any outstanding amount left are written off as per UK government law visit for best IVA consultancy. This is an extremely effective way to getting rid of large debts that you simply cannot manage to repay. For some individuals this can mean cutting around 75% of their debt.

You will just be considered for Individual Voluntary Arrangement debt program if you have borrowed £15,000 or above from quite a few different lenders. The debts should be unsecured, which signifies you are not capable to take in secured loan against property or mortgage debts. For most individuals, most of their debts are built from personal loans and credit cards and financial institution overdraft, all of debts those are unsecured can be contained in IVA debt program.

For an Individual Voluntary Arrangement debt program to work, most of your lenders have to vote for IVA. A long as in favor to IVA most likely means agreeing to very much cut how much cash they collect from you, lenders are not probable to act this unless your condition is clearly extremely serious. If a lender has reason to consider that you could in fact manage to repay the debt amount if you actually wished to, they are not likely to agree to establish an Individual Voluntary Arrangement; therefore you need to be capable to show that it is simply impossible to pay back all that you receive.

Prevent Calling from Creditors

One benefit of the official binding nature of Individual Voluntary Arrangement debt program is that you just need the lenders for 75% of your outstanding amount to bind the remaining lenders. Therefore if majority of your lenders agree, however you have one of two lenders who are unwilling, they will have no choice however to join in also, as long as they are not owed above 25% of the liability. This can be a huge assist in getting an IVA debt solution, and is something that you never do with informal contracts like debt management solutions.

One of the most terrible parts of being in debt can be regular telephones from lenders looking for debt repayments. Another legal benefit of Individual Voluntary Arrangement debt program is that your lenders are legally bound from calling you and are not permitted to take any official action against you either. All their meetings and conversation have to be through the IP who arrange the IVA contract for you.