Financial and Consumer

Debt consolidation can help you find relief from your credit card debts by reducing your interest rates and easing the monthly burden of your debts. However, there are a number of options available when you decide to consolidate your debts.

Debt consolidation can help you find relief from your credit card debts by reducing your interest rates and easing the monthly burden of your debts. However, there are a number of options available when you decide to consolidate your debts.

Your debt-to-income ratio offers a way to easily assess the state of your finances. The ratio compares your total monthly debt (not including your rent or mortgage payment each month) to your total monthly income. A debt-to-income ratio that is less than 20% is considered to be a good number. Effectively, this indicates you are financially stable.

What if you are the Defendant?

If someone files a lawsuit against you, remember that the burden of proof is on the plaintiff. The person suing you must produce evidence that shows that what he/she is arguing actually happened and that he/she was wronged in some manner. If the plaintiff fails to introduce this evidence you will win, no matter what actually happened.

Most Small Claims Courts have jurisdictional limits. That is, the Small Claims Courts will only accept cases in which the damages sued for are less than a certain amount. Contact your local Small Claims Court Clerk to make sure you are within the limit.

What happens if someone sues you for causing property damage to their property? The best defense is always to outline each element of the plaintiff's case, and then ask yourself what proof the plaintiff has on each element, and what proof you can introduce or bring to court to disprove the plaintiff's version.

What happens if someone sues you for causing property damage to their property? The best defense is always to outline each element of the plaintiff's case, and then ask yourself what proof the plaintiff has on each element, and what proof you can introduce or bring to court to disprove the plaintiff's version.

Trees protruding onto your property can cause undue stress and arguments between neighbors. The general rule is that if a neighbor's tree is causing actual problems with your property, or interfering with the use of your property, then you have certain rights as to that intrusion.

Trees protruding onto your property can cause undue stress and arguments between neighbors. The general rule is that if a neighbor's tree is causing actual problems with your property, or interfering with the use of your property, then you have certain rights as to that intrusion.

When your claim is proper matter for Small Claims Court, contact Member Services or your Plan Attorney to be sure that:

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