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Individual bankruptcy, Is actually It A Way Out
{{Infobox Lesson
| Name          = Long Rods
| Topic        = Sensorial
| Subtopic      = Visual Discrimination of Size
Negotiations with creditors have failed. Repossession will be imminent and foreclosure proceedings have begun. Your income will be not sufficient to pay your bills, irrespective of how low the payments are. It might possibly be time to consider personal.  
| image        = [[File:Red Rods.jpg|320px]]
| Level        = [[Pre-Primary]] <br> [[Primary]]
Personal bankruptcy law developed because a reaction to the abuses surrounding debtors prison. Before the nineteenth century a prison system existed for those that who didn'capital t pay their bills. If your merchant filed a claim, the debtor was actually incarcerated until his bad debts were paid. (Women were not present in debtor's prison, not because of chivalry but because that they did riot have the ability to use). The lender were rightly in charge for the expenses of the prison stay, including foods, but seldom paid. In the end, a debtor would have to sue to be able to enforce this law, and it ended up being somewhat difficult to sue when in prison. While a result, many borrowers languished in prison for numerous years, surviving on what their family could deliver to them or, in many cases, easily starving to death. And some lenders would doubtless not object to the renewal of debtor's prison, fortunately we stay in much more enlightened times. Becoming a bankrupt ended up being created to offer a second opportunity (or third, or fourth) to these hopelessly in debt It comes with a tool to wipe the slate clean and begin anew. Because times have transformed, though, so has the individual bankruptcy program code. Not every single one debts might be wiped out. The proceedings might be very easily disqualified in the event of improper methods. There are many things a debtor should know before resorting to becoming a bankrupt.  
| Age          = 2.5 - 3.5
   
| Preqs        = [[Pink Tower]] <br> [[Broad Stair]]
The Bankruptcy Choice
| Materials    = set of Long Rods
}}
There are two sorts of individual bankruptcy: Chapter 7 and Chapter 13. Chapter 7 personal, named for the chapter number in the bankruptcy code, requires an entire liquidation of a lot of debts and cancels almost all no-exempt financial obligations. Chapter 13 a bankruptcy proceeding is truly essentially a court-mandated payment arrange that sets up low-cost monthly payments to your creditors,
Use of this material teaches the child visual discrimination of length.
This activity also prepares the child to use the blue and red [[Number Rods]].
The choice to declare becoming a bankrupt is truly not an easy 1. Regrettably, many individual bankruptcy attorneys recommend bankruptcy to just about any individual they will look for advice with. Most way too often frightened many people are advised to declare individual bankruptcy just to avoid a handful of bad debts. This is a mistake. Becoming a bankrupt should truly be a last location like the legal system meant it to end up being. A personal bankruptcy seems on your credit rating for five years, and although lending criteria are gradually changing, many lenders will never even consider a helpful applicant who offers had a becoming a bankrupt. What'utes far more, a Chapter 7 personal bankruptcy can set you back a lot of your property. Before setting up a decision to declare a bankruptcy proceeding, estimate just how bad your situation really is truly. On a item of paper, make a variety of all your assets and the approximate value these people could become sold for. On the other side, always make sense every one of your debts. If the debts exceed the assets by a large per cent, you may wish to consider personal bankruptcy. On the other palm, if it seems how much your situation may improve (you may get a fresh job or a second income), or if your assets are of greater value or close in value to your debts, a different approach may be appropriate.  
== Presentation ==
   
# Invite the child to the lesson. Unroll a rug. Show where the work is on the shelf and name the lesson.
Make a deal with your creditors
# Starting with the shortest rod, carry the rods one at a time to the rugPlace them on the rug in mixed-up order with all of the edges lined up on the left.
#:[[Image:Long rods 1.JPG|200 px|center]]
Explain your situation and question for a lot more time to pay. If the creditors refuse and continue to threaten garnishment explain to them this kind of activity would force you into a bankruptcy proceeding. No creditor desires to hear the "B" word. Using bankruptcy since a risk is actually a very powerful negotiating resource, confronting creditors with a choice between getting a little every single month or almost certainly receiving nothing through personal. Don't try this tactic on secured creditors. They may arrange to repossess your property to prevent having to move through court.
# Move the longest rod and then the shortest rod to the bottom of the rugPoint to the longest one and say, "This one is long." Point the the short one and say, "This one is short."  Then mix the rods back in with the rest.
   
#:[[Image:Long rods 2.JPG|200 px|center]]
Contact Client Credit Counseling
# Select the longest rod and place it at the top edge of the rug. Find the next longest rod and place it just below the longest rod touching it.  
#:[[Image:Long rods 3.JPG|200 px|center]]
While mentioned earlier in the book, User Credit rating Counseling will be a non-profit group funded by creditors to help shoppers make a deal repayment plans. It is truly often able to navigate payment arrangements better than the individual because of its own constant contact with a variety of creditors. If you can'big t discuss a satisfactory arrangement, offer these people a try. Remember, the proven fact that you are using credit counseling may appear on your credit rating record.  
# Continue until all of the rods are in order.
#:[[Image:Long rods 4.JPG|200 px|center]]
Consider Chapter 13 bankruptcy
# Clean up: Starting with the longest rod, carry the rods one at a time back to the shelfRoll up and put away the rug.
 
This particular kind of filing enables you to repay your debts in a court-mandated fashion and will appear on your credit score record for only seven decades, If negotiations fail or there simply isn't sufficient money to make ends meet Chapter 7 personal bankruptcy may end up being your only option. Personal bankruptcy does not necessarily discharge every single one debts. If your bad debts are exempt through personal bankruptcy, filing will carry out very little to improve your situation. If the co-signer ended up being used, the debt would then become owed as a result of co-signer, unless that person often reported a bankruptcy proceeding. In community property states a spouse'utes assets and bad debts would even end up being included in the a bankruptcy proceeding, supposing they're community property. Consider most very carefully before deciding to report.  
===Video===
Segment on Long Rods begins at 28:22.
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Becoming a bankrupt
{{#ev:googlevideo|-1276553600766257368|300}}
 
Selected types of debt is not automatically eliminated by individual bankruptcy filing. That they must meet particular requirements before being eliminated by bankruptcy. If the majority of your debts are non-dischargeable, becoming a bankrupt may not fix your monetary dilemma. The only ways a non-dischargeable debt could be taken out through bankruptcy are through a very exception being of course through the court, a specific period of your time transpiring because the debt had been due, or because the creditor won't object to the discharging with the debt. Particular debts can only be discharged by a great exception. They are:
== Points of Interest ==
 
Recent College student loans
== Control of Error ==
   
 
This unique can be applied to college student loans that became due within the last five many years. Any extension of repayment would end up being added to this stage. Some courts, furthermore, will only discharge payments that will be more than five decades past due. So if the university student loan was due seven numerous years ago and the payments were at first to always be made over a five-year period, you would still end up being in charge for the last three numerous years of payments. The court may often grant a good exception to the university student loan if it would produce a great "undue hardship" for one to pay it. That is almost never of course.  
== Variations and Extensions ==
[[File:Long Rods extension Rainbow Mama.jpg|300px]]<br>
Taxes
Source: [http://adventuresofarainbowmamamama.blogspot.com/2009/08/red-rods-my-new-approach.html Adventures of a Rainbow Mama]
 
Federal, express, and near by taxes are not dischargeable for at least three decades after you record your duty come back. Even if you've been tied up in duty court for a lot more than three many years, any tax assessed within 240 days and nights of filing for individual bankruptcy is non-dischargeable. Property taxes are dischargeable should they are over one particular year late, but the lien in opposition to your property is actually not. The base fine will be for you to simply can count on the federal government amassing it's duty money eventually.
== Language ==
Introduces the vocabulary:<br>
Child Support and alimony
short, shorter, shortest<br>
long, longer, longest
These can only become discharged in special circumstances, which generally include agreements that have not been court-ordered. If one soon-to-be ex seems to have decided to assume a lot more than fifty percent of marital financial obligations in exchange for lower assist payments, the court may not discharge almost all bad debts held through the partner for becoming a bankrupt. Seek advice from a very legal professional if this kind of situation does apply.
== Material ==
This material consists of ten wooden rods, usually painted red.  The shortest rod is 10cm in length, they each increase in length by 10cm up to the longest which is 100cm long.
Fines
===Where to Buy===
<div style="float: left; width: 30%">
Neither fines from a court, judge, or govt agency nor surcharges, effects, and restitution, as a common rule, might be discharged in a personal. The same is truly true of financial obligations incurred like a result of damage or liability through driving while intoxicated. The debt incurred from intoxicated driving should be established in court and a judgment should be issued by a higher court. Smaller-statements, traffic, and municipal judgments for intoxicated driving are all dischargeable. One more time, check with a very legal professional.
'''Long Rods'''<br>
[http://www.adenamontessori.us/details.php?did=1 Adena] $32.65<br>
Debts not discharged in a previous bankruptcy
[http://www.montessoriresources.com/Long-Red-Rods-P28C5.aspx Albanesi] $175.00<br>
[http://www.alisonsmontessori.com/Red_Rods_p/s05.htm Alison's] $45.00<br>
If financial obligations from a previous individual bankruptcy have been found non-dischargeable, these people can not be discharged in a later personal bankruptcy.
[http://www.bruinsmontessori.com/itemdetails.php?item_id=6 Bruin's] $120.00<br>
[http://www.cabdevmontessori.com/product.php?productid=16814&cat=251&page=1 Cabdev] $136.00<br>
Bad debts not listed on your personal petition
[http://www.calibermontessori.com/catalog/item/3528879/3204256.htm Caliber] $29.99<br>
[http://www.montessoribuy.com/cartdetails.asp?id=HTS0002 Creative Learning] $39.95<br>
If you may not include a debt on your petition, it will not always be discharged. Many people filing personal bankruptcy keep one particular or much more credit score lines with small balances or no balance out with the personal proceeding to preserve part of their credit rating resources. Another technique is to reaffirm debts on the condition that credit continues to always be offered. The creditor, confronted with a choice between collecting nothing and maintaining your credit rating, will occasionally select the latter. Become very mindful when reaffirming debt. Near someone obligated to so you must have a new written design spelling out every one of the modern conditions.
[http://www.montessorimaterials.com/content/red-long-rods E & O] $168.00<br>
[http://grandpas.vstore.ca/product_info.php/cPath/4/products_id/120 Grandpas] $45.00<br>
Other varieties of non-dischargeable financial obligations could be discharged immediately if the creditor really doesn't object If the creditor objects, these financial obligations is going to be judged as a result of court to end up being both dischargeable or non-dischargeable. The creditor can question that the debts not be discharged should they claim the following conditions existed:
[http://shop.hellowood.com/Red-Rods-S21.htm Hello Wood] <span style="font-size:80%">stained red:</span> $169.00,<br><span style="font-size:80%">painted red:</span> $162.00, <span style="font-size:80%">natural finish:</span> $149.00<br>
   
[http://www.julianagroup.com/sensorial.lasso?page=detail&Category=&SubCategory=Sensorial&NewItem=&Overstock=&Description=&skip=10 Juliana Group] 158.20<br>
The debt were acquired by Intentionally fraudulent behavior
[http://www.kidadvance.com/Store/ProductDetails.asp?pid=263&catid=1 Kid Advance] $34.99<br>
[http://www.montessoriconcepts.com/products.php?cat=Sensory Montessori Concepts] $28.00<br>
Fraud in this case is any dishonest act used to obtain credit. Claiming to end up being an individual you aren't, or borrowing money when you have no means or intention of repaying it, would become clear-cut illustrations of fraud. Not disclosing selected relevant facts could in addition be construed while fraud. If you make a promise and intend to keep it and believe you may be able to preserve it, that is not fraud. Creditors tend to be paranoid and believe everyone is actually defrauding them, so it excuse for non-discharge is actually often used by creditor'ersus attorneys.
[http://www.montessoriland.com/site/1270021/product/ID_%201006 Montessori Land] $43.00<br>
[http://www.montessorioutlet.com/cgi-bin/item/510300110/5103/Montessori-Outlet-Long-Red-Rods Montessori Outlet] $39.95<br>
Debts Incurred while a Result of False Written Statements
[http://www.nienhuis.com/the-red-rods-1-2.html Nienhuis] $165.00<br>
 
A blatantly false credit rating software would qualify. The inaccurate statement has to be the important fact the other that the creditor relied on so as for the debt to become judged non-dischargeable. A misspelled name or minor error would not render a debt non-dischargeable. Drastically overstating income or misrepresent a job title would end up being considered fraudulent.  
</div><div style="float: left; width: 30%">
'''Stand'''<br>
Fraudulent usage
[http://www.adenamontessori.us/details.php?did=905 Adena] $23.03<br>
[http://www.alisonsmontessori.com/Stand_for_Red_Rods_p/f03.htm Alison's] $27.99<br>
If you charge "luxury goods or services" in a very amount over $500 within 40 days before filing bankruptcy, the debt will be likely to always be deemed non-dischargeable. The same is truly accurate if funds advances are obtained fewer than twenty days before announcing personal bankruptcy. A wide range of tiny charges, made to avoid pre-clearance, would additionally end up being considered fraudulent should you be over your credit score limit or obviously unable to pay.
[http://www.cabdevmontessori.com/product.php?productid=16977&cat=251&page=2 Cabdev] $40.00<br>
[http://www.montessoribuy.com/cartdetails.asp?id=HTS0003 Creative Learning] $24.95<br>
Debts resulting through illegal or malicious operates, embezzlement, larceny, or breach of fiduciary Obligation
[http://www.kidadvance.com/Store/ProductDetails.asp?Pid=2 Kid Advance] $24.99<br>
[http://www.montessorioutlet.com/cgi-bin/item/510300120/Montessori-Outlet-Stand-for-Long-Red-Rods Montessori Outlet] $22.95<br>
Any money owed because of illegitimate assists these kinds of when embezzlement (using property left inside your safekeeping), larceny (theft), or the failure to fulfill your duties when a trustee may be non-dischargeable. The court will typically de a explanation of fiduciary obligation.  
 
</div>
Once you've examined your debts and determined what is dischargeable and what is truly not, you can determine whether or not becoming a bankrupt would enhance your current monetary situation. There are several other things you ought to know before you decide whether or not to record.  
Exempt Assets
A typical misconception about bankruptcy will be which you lose everything you personal to satisfy your bad debts. In fact, the court will permit that you maintain many things important to your well being, and perhaps even a little bit far more. Even though there is actually a federal exemption law, only in states and the District of Columbia allow people to utilize it These states let you ultimately choose between the state and federal exemption protocols. The in states are:  
Connecticut
Hawaii
Massachusetts
Michigan
Minnesota
Brand-new Jersey
Brand new Mexico
Pennsylvania
Rhode Island
Texas
Washington
Wisconsin
Vermont
The other states require a individual declaring personal to use condition exemptions.  
Listed below are types of things that might become exempt, according to the express through which the petition is truly filed.  
· Personal results
· Furniture
· Cars (as much as a particular amount of equity)
· Tools of your trade
· Equity m a residence (sometimes the complete residence)
· Clothes
· Household goods
· Books
· Jewelry
1 very interesting exemption will be the homestead exemption. When Sara Connally, the former governor of Texas, expressed a bankruptcy proceeding a few years ago, many people were surprised that he was actually allowed to carry on his huge mansion, valued at several million dollars. Texas seems to have a homestead exemption that allows anyone petitioning personal to remain around one particular acre in a very urban area or 100 acres in a rural area, even though value. The ex-governor may have had a very good legal professional, but many other states even offer homestead exemptions.  
One personal tactic would be to sell non-exempt property before personal bankruptcy and convert it into exempt property. For example, a Texas resident might sell non-exempt assets and use the proceeds to pay off the house mortgage on her homesteaded property. You would almost certainly want to look for advice a very attorney before attempting this unique kind of transfer of assets, however, while the court could very effortlessly view this sort of action being an abuse from the personal laws and regulations.  
Even in case your certain amount of equity is actually exempt, your creditors can often sell the property to recover any excess equity you may have. If you unique a vehicle worth $10,000, for example, but you only owe $5,000 on it and your express exemption is actually $1,200, the creditor can sell the car and give you $1,200. Some states allow 'Wildcard" exemptions that can be used to hide the difference.  
Knowing which bad debts are dischargeable and what the law allows a petitioner to retain, a rational choice may be made no matter if to file for personal bankruptcy. If you do choose to record, there are numerous ways of going about it-in addition to several pitfalls to prevent.  
Consuming Motion
When you've decided to take action you can begin the filing experience. If creditors are knocking on the door and repossession, foreclosure, or garnishment is actually just about the comer, could actually become wise to consider using a good urgent situation filing to obtain a very automatic stay. A helpful automatic stay puts a stop to creditors coming from getting any further measure till the case will go before a individual bankruptcy judge. Unlike a becoming a bankrupt filing, which usually has got several pages of info a good emergency filing is only one page lengthy and consists a report on your creditors. Most of the petition should be filed within fourteen days and nights or the case will be dropped. The court will send notices from the pending bankruptcy to the creditors outlined, who must cease all further selection motion. Should they do not cease, send them copies with the automatic stay and request that most further assortment measure cease. A creditor can ask that the automatic stay be lifted, allowing your ex to continue assortment actions. Only a landlord wanting to evict you coming from a rented dwelling will usually prevail, unless there will be a lengthy-term lease involved. If you are renting on a lengthy-term lease, which could be considered an investment, the landlord may have to wait for a conventional @g as a way to evict YOU.  
Once the wolves are at bay, another selection will have to be made: no matter if to employ a personal attorney. Attorneys, when all of us understand, are expensive. In the case of the complicated bankruptcy, however, they may be invaluable. If you have a serious bit of property or valuables, if you are striving to move money coming from non-exempt to exempt assets, if your creditors try to make your bad debts non-dischargeable because of fraud, or if there are some other complications, you may wish to hire a very experienced becoming a bankrupt attorney. Go shopping in and around. Don'testosterone end up being afraid to discuss. Request a wide range of questions and speak to several attorneys before you make your decision.
If you have a very simple becoming a bankrupt or can'testosterone afford an legal professional, invest $15 in a good carry out-it-yourself individual bankruptcy book. It will give in-depth information not covered in this unique chapter. Typing services am also available to type way up personal bankruptcy forms. These are reasonably priced and, in the case of a very simple individual bankruptcy, can take the place of a good attorney. If your case is truly complicated but you can'testosterone afford a good lawyer, do your individual research. Read a user individual bankruptcy manual first and after which consult a good legal library. There are many legal guides devoted strictly to individual bankruptcy. Once you or your attorney have prepared your case, you're ready for formal work.  
The Filing Course of action
All the proper papers could be obtained coming from any a bankruptcy proceeding court. Talk to the yellow pages under Government Services (usually in the beginning in the book) on an address and home phone number. The court allows you fourteen days through the date of an unexpected emergency filing to perform the conventional procedures. If Chapter 7 bankruptcy is truly being filed, you will need to send in the following forms after you have received them coming from the court:
· Statement of Financial Affairs.  
· Timetable of Current Income and Current Expenditures.  
· A lifestyle conveying your debts.  
· A book explaining your property.  
· A routine listing exempt property.  
· A overview with the above schedules.  
· Statement of Intention in matter to your attached property and what you intend to carry out with it
· Statement of Executory Contracts talking about contract that will should be fulfilled, this kind of like auto leases.  
· Individual bankruptcy Petition write about sheet.  
· Mailing addresses of a lot of creditors.  
· Any required community forms.  
A fee will in addition end up being assessed, typically $90, due during filing. The court will normally accept installments of the several-month period. A good request for installments must accompany the petition.  
After your petition is filed, a assembly with the creditors is going to be arranged. The court appoints a trustee to preside over the meeting and to end up being dependable for the liquidation of assets. With most smaller bankruptcies, only the particular person filing and the trustee will sign up for. The trustee, who can be quite a neighborhood legal professional, will make sure you ask several questions about the info on the personal documents. Phone and request the court clerk what papers you will need to carry (usually monetary statements or sometimes even duty earnings). If a lot of property is involved, specifically if it is truly nonexempt, property, your creditors may make an appearance to protest any exemptions. These people may also attempt to grill you about your intent to pay the fee or about spread on your program. Answer truthfully and there shouldn'testosterone be a problem.  
If the creditors' attorneys become abusive, demand a hearing before the becoming a bankrupt judge before the proceeding will go any further. If the creditors object to any of one's exemptions, that they have 30 times after the creditor's gathering to report an objection with the court. The court will timetable a hearing and you'll become given the chance to respond, although you don'capital t have to. A creditor may in addition try to claim a debt since non-dischargeable because of fraudulent works, a @ or malicious work, or embezzlement or theft. He can only accomplish this if he successfully increases the objection within sixty days from the creditors' conference. To defend yourself, you or your lawyer will have to file a written response and become geared up to argue your case in court.  
Once a lot of the requirements have been met and your intentions have been made clear, the court can declare the personal discharged. No elegant hearing will be held unless you have chosen to reaffirm your financial troubles by which case the judge would want to always be sure that you just know what you are doing. After this kind of time, provided the creditors do not raise any objections, the dischargeable bad debts are erased.  
Choosing Upward The Pieces
Personal was once the lowest disgrace that could befall somebody. Today, nonetheless, it is actually commonplace. Corporations declare individual bankruptcy to get out of contracts or steer clear of legal judgments. Individuals trust on it to protect them coming from a society that extends credit as well quickly.  
Personal doesn't imply that you just will automatically always be denied most credit rating for 10 numerous years. In fact, many firms look at a bankruptcy proceeding while a liable way of discharging bad debts when there is actually no other way out. Creditors fear personal bankruptcy, even so they often understand that when they lend to anyone who has reported a bankruptcy proceeding, they need not worry about another personal for seven far more decades (you can only document once every seven numerous years). If you happen to have a good explanation for the personal, these kinds of when medical bills, divorce proceedings, or some other catastrophic event, a creditor may become willing to overlook it and extend credit score. Check potential creditors about their policy toward bankruptcies. Their responses may be astonishing.  
Darryl Power over 3 a long time in online marketing, 1 year in Pay-Per-Just click advertising and 7 decades of business supervision.

Revision as of 19:17, 3 July 2012

Long Rods
Sensorial - Visual Discrimination of Size
Red Rods.jpg
LevelPre-Primary
Primary
Age2.5 - 3.5
PrerequisitesPink Tower
Broad Stair
Materialsset of Long Rods

Use of this material teaches the child visual discrimination of length. This activity also prepares the child to use the blue and red Number Rods.

Presentation

  1. Invite the child to the lesson. Unroll a rug. Show where the work is on the shelf and name the lesson.
  2. Starting with the shortest rod, carry the rods one at a time to the rug. Place them on the rug in mixed-up order with all of the edges lined up on the left.
    Long rods 1.JPG
  3. Move the longest rod and then the shortest rod to the bottom of the rug. Point to the longest one and say, "This one is long." Point the the short one and say, "This one is short." Then mix the rods back in with the rest.
    Long rods 2.JPG
  4. Select the longest rod and place it at the top edge of the rug. Find the next longest rod and place it just below the longest rod touching it.
    Long rods 3.JPG
  5. Continue until all of the rods are in order.
    Long rods 4.JPG
  6. Clean up: Starting with the longest rod, carry the rods one at a time back to the shelf. Roll up and put away the rug.

Video

Segment on Long Rods begins at 28:22. {{#ev:googlevideo|-1276553600766257368|300}}

Points of Interest

Control of Error

Variations and Extensions

Long Rods extension Rainbow Mama.jpg
Source: Adventures of a Rainbow Mama

Language

Introduces the vocabulary:
short, shorter, shortest
long, longer, longest

Material

This material consists of ten wooden rods, usually painted red. The shortest rod is 10cm in length, they each increase in length by 10cm up to the longest which is 100cm long.

Where to Buy

Long Rods
Adena $32.65
Albanesi $175.00
Alison's $45.00
Bruin's $120.00
Cabdev $136.00
Caliber $29.99
Creative Learning $39.95
E & O $168.00
Grandpas $45.00
Hello Wood stained red: $169.00,
painted red: $162.00, natural finish: $149.00
Juliana Group 158.20
Kid Advance $34.99
Montessori Concepts $28.00
Montessori Land $43.00
Montessori Outlet $39.95
Nienhuis $165.00

Stand
Adena $23.03
Alison's $27.99
Cabdev $40.00
Creative Learning $24.95
Kid Advance $24.99
Montessori Outlet $22.95