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Chapter 13 Bankruptcy Filing Process Explained by Tampa Bankruptcy Law Firm Clark & Washington

Chapter 13 bankruptcy provides a means for property owners to reorganize their debts while keeping their home, car, and other assets of value protected. Not only can Chapter 13 halt foreclosure, repossession, wage garnishment, and debt lawsuits, it may also help to reduce or eliminate credit card debt.

Chapter 13 bankruptcy is a viable financial tool in many situations, but debtors sometimes do not file as soon as they could simply because they lack information. The Tampa bankruptcy attorneys at Clark & Washington hope that this explanation of the filing process will help those individuals and families facing the possibility of bankruptcy better understand the options available to them. For additional information on bankruptcy or a free consultation, Tampa residents are encouraged to contact Clark & Washington to speak to a bankruptcy attorney.

To be eligible for Chapter 13 bankruptcy, the candidate should be employed or have some regular source of income that is sufficient to make the regular Chapter 13 payments as well as current mortgage payments and living expenses. There are also statutory caps for Chapter 13 bankruptcy which the candidate’s debt must not exceed. Not sure if you qualify? One of the Tampa bankruptcy attorneys at Clark & Washington can meet with you to assess your current situation and evaluate your options.

The debt repayment plan for Chapter 13 typically lasts between 3 and 5 years. However, before you file, you must be sure that your timing meets certain criteria. For example, if you have had a bankruptcy case dismissed due to either a voluntary request for dismissal or failing to obey court orders, you may not file again for 180 days. You will also need to receive a briefing from a certified credit counseling agency within the 180-day period prior to your bankruptcy being filed. During the 90-day period before you file, you must reside within the state with which you intend to file. If you have any questions concerning these restrictions, your bankruptcy lawyer at Clark & Washington will be able to assist you.

A case officially begins when the Chapter 13 petition is filed. At this point, the bankruptcy court will generally enter an automatic stay. This prohibits creditors from taking any collection action towards the debtor while the stay is in effect. All creditors listed in the petition will be notified, and a bankruptcy trustee will be assigned to the case. Next, usually within 15 days of the filing, a Notice of Commencement of Case will be sent to the debtor and all of the listed creditors including logistical information such as deadlines for claims from creditors and dates and locations of meetings.

No two bankruptcy cases are identical, but the Tampa bankruptcy lawyers at Clark & Washington have the experience and resources to handle any Chapter 13 bankruptcy case. The Clark & Washington bankruptcy attorneys handle all of the paperwork and attend all hearings for each case, taking much of the strain out of what can be a very stressful situation. If you are considering filing for bankruptcy in Tampa, contact Clark & Washington today to schedule a free, no-obligation consultation with a Tampa bankruptcy attorney. Learn more at http://www.cw13fl.com.

About Clark & Washington

Established in 1983, Clark & Washington is now one of the leading bankruptcy filers in the southeast. They have locations in Georgia, Florida, and Tennessee. Clark & Washington specializes in personal chapter 7 and chapter 13 bankruptcy. They offer honest, helpful legal advice to those experiencing financial hardships.

For more information visit: http://www.cw13fl.com.

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Itchy Penis Solutions Could Hypnosis be the Answer?

It’s an embarrassing moment to which all men can relate: A guy is surrounded by co-workers, wooing a potential partner or simply walking down a crowded street when he’s struck by an unbearably itchy penis. Everyone knows that spending some extra time to practice appropriate penis care can help prevent situations like these, but what if that care isn’t enough and the itch just won’t subside?

Hypnosis

“Look into my eyes. You are getting veeeeery sleepy.”

The above clichéd expression, spoken in an appropriately thick Bela Lugosi-style accent, is what many people think of when they hear the word hypnosis. Contrary to what is often seen in movies, hypnosis is not a state that is achieved with a few quick words and a swirl or two of a spiral.

Hypnosis is a psychological state that shares some similarities with the dream state. When under hypnosis, an individual may be able to more easily and directly access thoughts or memories due to a heightened ability to block out distractions.

In hypnosis, some form of hypnotic induction is frequently used to help create a state in which distractions are diminished. In this state, hypnotic suggestions, both direct and indirect, may be used to bring about a desired result. In the case of an itchy penis, the suggestions would be focused on reducing the body’s awareness of the itchiness and/or the need to scratch.

Hypnodermatology

Those who use hypnosis as a way of dealing with skin issues are engaging in hypnodermatology. This branch of hypnosis is most often used with individuals experiencing an extreme form of itching; in many cases, the itching may have a psychological basis or may be related to an obsessive-compulsive disorder. In other cases, this form of hypnosis is used to treat unconscious scratching in which the individual is unaware he is scratching and/or scratches in his sleep.

Suggestions

Often, the hypnotic suggestions will focus on a means of alleviating the desire to scratch rather than the root cause of the itching itself. To do this, the therapist will determine what the subject feels, experiences or thinks before, during or after the itching and devise suggestions which can help the subject resist the need to scratch.

For example, one approach might be for the hypnotist to pinpoint early warning signs that an itchy penis state is imminent. When the subject subconsciously becomes aware of these warning signs, the hypnotist will suggest that his mind re-focus; perhaps he will suggest that the mind begin imagining the area that is in danger of itching has instead become cold and numb. Deadening the sensation in this way may allow the itchiness to pass unnoticed or at least to such a lesser extent that scratching is unnecessary.

Hypnodermatology has positive results for some, but not all, patients. Importantly, it is not used for men with just a mildly itchy penis; it tends to be reserved for those in whom the itch is especially strong and problematic.

What’s a man to do, then, with just a typical itchy penis? In addition to making sure it’s treated for any significant skin conditions, he is well advised to regularly use a high-quality penis health cream (health professionals recommend Man1 Man Oil). Penis skin irritation may be alleviated by a cream that is rich in moisturizers such as vitamin E and natural Shea butter. The inclusion of vitamin D in the cream is also desirable, as this “miracle vitamin” can help fight diseases and enable cell functionality. Finally, the most beneficial cream will also include alpha lipoic acid, the powerful antioxidant qualities of which may help offset premature aging of penis cells.

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Content Marketing Trends to Watch Out for

Content remains king. But with new trends and platforms emerging at breakneck speed, keeping your content marketing strategy fresh and effective can feel like chasing a moving target. Here in New Zealand, with its vibrant online community and tech-savvy population, staying ahead of the content curve is crucial for businesses of all sizes.

This blog delves into some of the key content marketing trends that are poised to shape the future of online engagement, helping you adapt your strategy for continued success.

The Rise of Microcontent: Snackable Content for Busy Audiences
Attention spans are shrinking, and people are bombarded with information on a daily basis. This is where microcontent comes in. Micro Content refers to bite-sized pieces of information, like short videos, infographics, or social media posts, that are designed to be easily digestible and consumed on the go.

Why it matters:
Perfect for mobile consumption: Microcontent is ideal for the mobile-first world we live in, readily accessible on smartphones and tablets.

Increased engagement: Shorter content formats are less intimidating and more likely to capture attention in a sea of information.

Improved brand recall: Regular snippets of engaging content can keep your brand top-of-mind with your audience.

How to leverage it:
Embrace short-form video platforms: Explore platforms like TikTok, Instagram Reels, and YouTube Shorts to create visually appealing and informative micro-videos.

Utilize infographics and bite-sized visuals: Eye-catching infographics and data visualizations can effectively convey complex information in a simple format.

Craft engaging social media snippets: Utilize social media platforms to share short bursts of thought leadership, industry news, or behind-the-scenes glimpses.

The Power of User-Generated Content: Authenticity and Advocacy
Consumers today crave authenticity. They trust recommendations from real people more than traditional advertising. This is where user-generated content (UGC) shines. UGC refers to content created by your audience, such as testimonials, product reviews, or social media posts featuring your brand.

Why it matters:
Builds trust and credibility: UGC adds a layer of authenticity to your marketing efforts, showcasing your brand through the eyes of your customers.

Increased engagement: UGC fosters a sense of community and encourages user interaction with your brand.

Organic reach and brand advocacy: Positive UGC can go viral, extending your reach and turning satisfied customers into brand advocates.

How to leverage it:
Run contests and giveaways: Encourage user-generated content by running contests or giveaways that incentivize users to share photos, videos, or reviews.

Create engaging campaigns: Develop content marketing campaigns that invite user participation, such as product reviews or challenges.

Showcase user-generated content: Feature positive UGC on your website and social media channels, making your customers feel valued.

The Personalized Touch: Tailoring Content to Individual Needs
In today’s data-driven world, personalization is key. Consumers expect content that caters to their specific interests and needs.

Why it matters:
Increased relevance and engagement: Personalized content resonates more deeply with your audience, leading to higher engagement rates.

Improved conversion rates: Targeted content is more likely to convert leads into paying customers.

Enhanced customer experience: Personalization fosters a sense of connection and loyalty between your brand and your audience.

How to leverage it:
Segment your audience: Divide your audience into distinct groups based on demographics and interests, allowing for targeted content creation.

Utilize marketing automation tools: Leverage marketing automation platforms to personalize email campaigns and website recommendations.

Craft dynamic content: Develop content that adapts based on user behavior and preferences.

The Immersive Revolution: VR and AR Experiences
Virtual reality (VR) and augmented reality (AR) technologies are no longer the realm of science fiction. These immersive technologies are increasingly being used for content marketing purposes, offering audiences a unique and engaging experience.

Why it matters:
Memorable brand experiences: VR and AR offer a way to create interactive and unforgettable experiences that differentiate your brand.

Increased brand awareness: Innovative content marketing tactics using AR and VR can generate buzz and increase brand awareness.

Enhanced product visualization: These technologies can showcase products in a more interactive way, allowing customers to virtually experience them before purchase.

How to leverage it:
Explore VR experiences: Develop virtual reality experiences that allow customers to explore your products or services in a virtual environment.

Utilize AR product visualization: Integrate AR technology into your marketing campaigns

Evolving Content Formats: Embracing Emerging Platforms
The platforms we use to consume content are constantly evolving. As a content marketer, staying abreast of these changes is crucial. Reaching new audiences through new platforms provides opportunities to connect with new demographics and expand your audience reach. Staying ahead of the curve with early adoption of emerging platforms demonstrates innovation and positions your brand as a thought leader. Exploring new storytelling opportunities on different platforms offers unique storytelling capabilities, allowing you to experiment with creative content formats. Embracing the dynamic landscape alongside an online marketing agency versed in these trends can enhance your strategies and elevate your brand presence

Conclusion: The Agile Content Marketer
The key to success in content marketing today is agility. By staying informed about emerging trends, embracing new formats, and tailoring your approach to the unique needs of the New Zealand market, you can ensure your marketing strategy remains fresh, engaging, and effective. Remember, content marketing is a marathon, not a sprint. Consistent creation of high-quality content, coupled with an ongoing willingness to adapt, is the recipe for long-term success in the ever-evolving world of marketing.

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