Thinking about bankruptcy? Check out these 6 tips from experienced bankruptcy attorneys to help you avoid major pitfalls before you file your petition!
Call Flexer Law at 615-255-2893 or visit www.flexerlaw.com for more information about Chapter 7 or Chapter 13 bankruptcy. Offices in Nashville, Murfreesboro, and Columbia, Tennessee.
Flexer Law is a debt relief agency in Middle TN. We help people file for bankruptcy under the Bankruptcy Code.
This document summarizes a research article that examined the state of health education and community mobilization in Nigeria's healthcare delivery system. It discusses how community mobilization and participation plays a key role in utilizing health services. It also reviews how health education and primary healthcare have been implemented in Nigeria historically. While there are challenges, the document outlines prospects for health education in Nigeria, including its potential to help achieve important development goals and encourage moral and ethical values in communities.
Finding teaching positions in china – consult usJohn Catler
If you are finding good teaching positions in China, we will help you to make the process hassle-free. We will help you to find the right job for you in this vast nation of china.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
This document summarizes a research article that examined the state of health education and community mobilization in Nigeria's healthcare delivery system. It discusses how community mobilization and participation plays a key role in utilizing health services. It also reviews how health education and primary healthcare have been implemented in Nigeria historically. While there are challenges, the document outlines prospects for health education in Nigeria, including its potential to help achieve important development goals and encourage moral and ethical values in communities.
Finding teaching positions in china – consult usJohn Catler
If you are finding good teaching positions in China, we will help you to make the process hassle-free. We will help you to find the right job for you in this vast nation of china.
2024 State of Marketing Report – by HubspotMarius Sescu
https://www.hubspot.com/state-of-marketing
· Scaling relationships and proving ROI
· Social media is the place for search, sales, and service
· Authentic influencer partnerships fuel brand growth
· The strongest connections happen via call, click, chat, and camera.
· Time saved with AI leads to more creative work
· Seeking: A single source of truth
· TLDR; Get on social, try AI, and align your systems.
· More human marketing, powered by robots
ChatGPT is a revolutionary addition to the world since its introduction in 2022. A big shift in the sector of information gathering and processing happened because of this chatbot. What is the story of ChatGPT? How is the bot responding to prompts and generating contents? Swipe through these slides prepared by Expeed Software, a web development company regarding the development and technical intricacies of ChatGPT!
Product Design Trends in 2024 | Teenage EngineeringsPixeldarts
The realm of product design is a constantly changing environment where technology and style intersect. Every year introduces fresh challenges and exciting trends that mold the future of this captivating art form. In this piece, we delve into the significant trends set to influence the look and functionality of product design in the year 2024.
How Race, Age and Gender Shape Attitudes Towards Mental HealthThinkNow
Mental health has been in the news quite a bit lately. Dozens of U.S. states are currently suing Meta for contributing to the youth mental health crisis by inserting addictive features into their products, while the U.S. Surgeon General is touring the nation to bring awareness to the growing epidemic of loneliness and isolation. The country has endured periods of low national morale, such as in the 1970s when high inflation and the energy crisis worsened public sentiment following the Vietnam War. The current mood, however, feels different. Gallup recently reported that national mental health is at an all-time low, with few bright spots to lift spirits.
To better understand how Americans are feeling and their attitudes towards mental health in general, ThinkNow conducted a nationally representative quantitative survey of 1,500 respondents and found some interesting differences among ethnic, age and gender groups.
Technology
For example, 52% agree that technology and social media have a negative impact on mental health, but when broken out by race, 61% of Whites felt technology had a negative effect, and only 48% of Hispanics thought it did.
While technology has helped us keep in touch with friends and family in faraway places, it appears to have degraded our ability to connect in person. Staying connected online is a double-edged sword since the same news feed that brings us pictures of the grandkids and fluffy kittens also feeds us news about the wars in Israel and Ukraine, the dysfunction in Washington, the latest mass shooting and the climate crisis.
Hispanics may have a built-in defense against the isolation technology breeds, owing to their large, multigenerational households, strong social support systems, and tendency to use social media to stay connected with relatives abroad.
Age and Gender
When asked how individuals rate their mental health, men rate it higher than women by 11 percentage points, and Baby Boomers rank it highest at 83%, saying it’s good or excellent vs. 57% of Gen Z saying the same.
Gen Z spends the most amount of time on social media, so the notion that social media negatively affects mental health appears to be correlated. Unfortunately, Gen Z is also the generation that’s least comfortable discussing mental health concerns with healthcare professionals. Only 40% of them state they’re comfortable discussing their issues with a professional compared to 60% of Millennials and 65% of Boomers.
Race Affects Attitudes
As seen in previous research conducted by ThinkNow, Asian Americans lag other groups when it comes to awareness of mental health issues. Twenty-four percent of Asian Americans believe that having a mental health issue is a sign of weakness compared to the 16% average for all groups. Asians are also considerably less likely to be aware of mental health services in their communities (42% vs. 55%) and most likely to seek out information on social media (51% vs. 35%).
AI Trends in Creative Operations 2024 by Artwork Flow.pdfmarketingartwork
Creative operations teams expect increased AI use in 2024. Currently, over half of tasks are not AI-enabled, but this is expected to decrease in the coming year. ChatGPT is the most popular AI tool currently. Business leaders are more actively exploring AI benefits than individual contributors. Most respondents do not believe AI will impact workforce size in 2024. However, some inhibitions still exist around AI accuracy and lack of understanding. Creatives primarily want to use AI to save time on mundane tasks and boost productivity.
Organizational culture includes values, norms, systems, symbols, language, assumptions, beliefs, and habits that influence employee behaviors and how people interpret those behaviors. It is important because culture can help or hinder a company's success. Some key aspects of Netflix's culture that help it achieve results include hiring smartly so every position has stars, focusing on attitude over just aptitude, and having a strict policy against peacocks, whiners, and jerks.
The Future of Criminal Defense Lawyer in India.pdfveteranlegal
https://veteranlegal.in/defense-lawyer-in-india/ | Criminal defense Lawyer in India has always been a vital aspect of the country's legal system. As defenders of justice, criminal Defense Lawyer play a critical role in ensuring that individuals accused of crimes receive a fair trial and that their constitutional rights are protected. As India evolves socially, economically, and technologically, the role and future of criminal Defense Lawyer are also undergoing significant changes. This comprehensive blog explores the current landscape, challenges, technological advancements, and prospects for criminal Defense Lawyer in India.
Sangyun Lee, 'Why Korea's Merger Control Occasionally Fails: A Public Choice ...Sangyun Lee
Presentation slides for a session held on June 4, 2024, at Kyoto University. This presentation is based on the presenter’s recent paper, coauthored with Hwang Lee, Professor, Korea University, with the same title, published in the Journal of Business Administration & Law, Volume 34, No. 2 (April 2024). The paper, written in Korean, is available at <https://shorturl.at/GCWcI>.
Guide on the use of Artificial Intelligence-based tools by lawyers and law fi...Massimo Talia
This guide aims to provide information on how lawyers will be able to use the opportunities provided by AI tools and how such tools could help the business processes of small firms. Its objective is to provide lawyers with some background to understand what they can and cannot realistically expect from these products. This guide aims to give a reference point for small law practices in the EU
against which they can evaluate those classes of AI applications that are probably the most relevant for them.
What are the common challenges faced by women lawyers working in the legal pr...lawyersonia
The legal profession, which has historically been male-dominated, has experienced a significant increase in the number of women entering the field over the past few decades. Despite this progress, women lawyers continue to encounter various challenges as they strive for top positions.
Receivership and liquidation Accounts
Being a Paper Presented at Business Recovery and Insolvency Practitioners Association of Nigeria (BRIPAN) on Friday, August 18, 2023.
सुप्रीम कोर्ट ने यह भी माना था कि मजिस्ट्रेट का यह कर्तव्य है कि वह सुनिश्चित करे कि अधिकारी पीएमएलए के तहत निर्धारित प्रक्रिया के साथ-साथ संवैधानिक सुरक्षा उपायों का भी उचित रूप से पालन करें।
Integrating Advocacy and Legal Tactics to Tackle Online Consumer Complaintsseoglobal20
Our company bridges the gap between registered users and experienced advocates, offering a user-friendly online platform for seamless interaction. This platform empowers users to voice their grievances, particularly regarding online consumer issues. We streamline support by utilizing our team of expert advocates to provide consultancy services and initiate appropriate legal actions.
Our Online Consumer Legal Forum offers comprehensive guidance to individuals and businesses facing consumer complaints. With a dedicated team, round-the-clock support, and efficient complaint management, we are the preferred solution for addressing consumer grievances.
Our intuitive online interface allows individuals to register complaints, seek legal advice, and pursue justice conveniently. Users can submit complaints via mobile devices and send legal notices to companies directly through our portal.
Genocide in International Criminal Law.pptxMasoudZamani13
Excited to share insights from my recent presentation on genocide! 💡 In light of ongoing debates, it's crucial to delve into the nuances of this grave crime.
Corporate Governance : Scope and Legal Frameworkdevaki57
CORPORATE GOVERNANCE
MEANING
Corporate Governance refers to the way in which companies are governed and to what purpose. It identifies who has power and accountability, and who makes decisions. It is, in essence, a toolkit that enables management and the board to deal more effectively with the challenges of running a company.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
The Future of Criminal Defense Lawyer in India.pdfveteranlegal
https://veteranlegal.in/defense-lawyer-in-india/ | Criminal defense Lawyer in India has always been a vital aspect of the country's legal system. As defenders of justice, criminal Defense Lawyer play a critical role in ensuring that individuals accused of crimes receive a fair trial and that their constitutional rights are protected. As India evolves socially, economically, and technologically, the role and future of criminal Defense Lawyer are also undergoing significant changes. This comprehensive blog explores the current landscape, challenges, technological advancements, and prospects for criminal Defense Lawyer in India.
Sangyun Lee, 'Why Korea's Merger Control Occasionally Fails: A Public Choice ...Sangyun Lee
Presentation slides for a session held on June 4, 2024, at Kyoto University. This presentation is based on the presenter’s recent paper, coauthored with Hwang Lee, Professor, Korea University, with the same title, published in the Journal of Business Administration & Law, Volume 34, No. 2 (April 2024). The paper, written in Korean, is available at <https://shorturl.at/GCWcI>.
Guide on the use of Artificial Intelligence-based tools by lawyers and law fi...Massimo Talia
This guide aims to provide information on how lawyers will be able to use the opportunities provided by AI tools and how such tools could help the business processes of small firms. Its objective is to provide lawyers with some background to understand what they can and cannot realistically expect from these products. This guide aims to give a reference point for small law practices in the EU
against which they can evaluate those classes of AI applications that are probably the most relevant for them.
What are the common challenges faced by women lawyers working in the legal pr...lawyersonia
The legal profession, which has historically been male-dominated, has experienced a significant increase in the number of women entering the field over the past few decades. Despite this progress, women lawyers continue to encounter various challenges as they strive for top positions.
Receivership and liquidation Accounts
Being a Paper Presented at Business Recovery and Insolvency Practitioners Association of Nigeria (BRIPAN) on Friday, August 18, 2023.
सुप्रीम कोर्ट ने यह भी माना था कि मजिस्ट्रेट का यह कर्तव्य है कि वह सुनिश्चित करे कि अधिकारी पीएमएलए के तहत निर्धारित प्रक्रिया के साथ-साथ संवैधानिक सुरक्षा उपायों का भी उचित रूप से पालन करें।
Integrating Advocacy and Legal Tactics to Tackle Online Consumer Complaintsseoglobal20
Our company bridges the gap between registered users and experienced advocates, offering a user-friendly online platform for seamless interaction. This platform empowers users to voice their grievances, particularly regarding online consumer issues. We streamline support by utilizing our team of expert advocates to provide consultancy services and initiate appropriate legal actions.
Our Online Consumer Legal Forum offers comprehensive guidance to individuals and businesses facing consumer complaints. With a dedicated team, round-the-clock support, and efficient complaint management, we are the preferred solution for addressing consumer grievances.
Our intuitive online interface allows individuals to register complaints, seek legal advice, and pursue justice conveniently. Users can submit complaints via mobile devices and send legal notices to companies directly through our portal.
Genocide in International Criminal Law.pptxMasoudZamani13
Excited to share insights from my recent presentation on genocide! 💡 In light of ongoing debates, it's crucial to delve into the nuances of this grave crime.
Corporate Governance : Scope and Legal Frameworkdevaki57
CORPORATE GOVERNANCE
MEANING
Corporate Governance refers to the way in which companies are governed and to what purpose. It identifies who has power and accountability, and who makes decisions. It is, in essence, a toolkit that enables management and the board to deal more effectively with the challenges of running a company.
PEPSICO Presentation to CAGNY Conference Feb 2024Neil Kimberley
PepsiCo provided a safe harbor statement noting that any forward-looking statements are based on currently available information and are subject to risks and uncertainties. It also provided information on non-GAAP measures and directing readers to its website for disclosure and reconciliation. The document then discussed PepsiCo's business overview, including that it is a global beverage and convenient food company with iconic brands, $91 billion in net revenue in 2023, and nearly $14 billion in core operating profit. It operates through a divisional structure with a focus on local consumers.
Content Methodology: A Best Practices Report (Webinar)contently
This document provides an overview of content methodology best practices. It defines content methodology as establishing objectives, KPIs, and a culture of continuous learning and iteration. An effective methodology focuses on connecting with audiences, creating optimal content, and optimizing processes. It also discusses why a methodology is needed due to the competitive landscape, proliferation of channels, and opportunities for improvement. Components of an effective methodology include defining objectives and KPIs, audience analysis, identifying opportunities, and evaluating resources. The document concludes with recommendations around creating a content plan, testing and optimizing content over 90 days.
How to Prepare For a Successful Job Search for 2024Albert Qian
The document provides guidance on preparing a job search for 2024. It discusses the state of the job market, focusing on growth in AI and healthcare but also continued layoffs. It recommends figuring out what you want to do by researching interests and skills, then conducting informational interviews. The job search should involve building a personal brand on LinkedIn, actively applying to jobs, tailoring resumes and interviews, maintaining job hunting as a habit, and continuing self-improvement. Once hired, the document advises setting new goals and keeping skills and networking active in case of future opportunities.
A report by thenetworkone and Kurio.
The contributing experts and agencies are (in an alphabetical order): Sylwia Rytel, Social Media Supervisor, 180heartbeats + JUNG v MATT (PL), Sharlene Jenner, Vice President - Director of Engagement Strategy, Abelson Taylor (USA), Alex Casanovas, Digital Director, Atrevia (ES), Dora Beilin, Senior Social Strategist, Barrett Hoffher (USA), Min Seo, Campaign Director, Brand New Agency (KR), Deshé M. Gully, Associate Strategist, Day One Agency (USA), Francesca Trevisan, Strategist, Different (IT), Trevor Crossman, CX and Digital Transformation Director; Olivia Hussey, Strategic Planner; Simi Srinarula, Social Media Manager, The Hallway (AUS), James Hebbert, Managing Director, Hylink (CN / UK), Mundy Álvarez, Planning Director; Pedro Rojas, Social Media Manager; Pancho González, CCO, Inbrax (CH), Oana Oprea, Head of Digital Planning, Jam Session Agency (RO), Amy Bottrill, Social Account Director, Launch (UK), Gaby Arriaga, Founder, Leonardo1452 (MX), Shantesh S Row, Creative Director, Liwa (UAE), Rajesh Mehta, Chief Strategy Officer; Dhruv Gaur, Digital Planning Lead; Leonie Mergulhao, Account Supervisor - Social Media & PR, Medulla (IN), Aurelija Plioplytė, Head of Digital & Social, Not Perfect (LI), Daiana Khaidargaliyeva, Account Manager, Osaka Labs (UK / USA), Stefanie Söhnchen, Vice President Digital, PIABO Communications (DE), Elisabeth Winiartati, Managing Consultant, Head of Global Integrated Communications; Lydia Aprina, Account Manager, Integrated Marketing and Communications; Nita Prabowo, Account Manager, Integrated Marketing and Communications; Okhi, Web Developer, PNTR Group (ID), Kei Obusan, Insights Director; Daffi Ranandi, Insights Manager, Radarr (SG), Gautam Reghunath, Co-founder & CEO, Talented (IN), Donagh Humphreys, Head of Social and Digital Innovation, THINKHOUSE (IRE), Sarah Yim, Strategy Director, Zulu Alpha Kilo (CA).
Trends In Paid Search: Navigating The Digital Landscape In 2024Search Engine Journal
The search marketing landscape is evolving rapidly with new technologies, and professionals, like you, rely on innovative paid search strategies to meet changing demands.
It’s important that you’re ready to implement new strategies in 2024.
Check this out and learn the top trends in paid search advertising that are expected to gain traction, so you can drive higher ROI more efficiently in 2024.
You’ll learn:
- The latest trends in AI and automation, and what this means for an evolving paid search ecosystem.
- New developments in privacy and data regulation.
- Emerging ad formats that are expected to make an impact next year.
Watch Sreekant Lanka from iQuanti and Irina Klein from OneMain Financial as they dive into the future of paid search and explore the trends, strategies, and technologies that will shape the search marketing landscape.
If you’re looking to assess your paid search strategy and design an industry-aligned plan for 2024, then this webinar is for you.
5 Public speaking tips from TED - Visualized summarySpeakerHub
From their humble beginnings in 1984, TED has grown into the world’s most powerful amplifier for speakers and thought-leaders to share their ideas. They have over 2,400 filmed talks (not including the 30,000+ TEDx videos) freely available online, and have hosted over 17,500 events around the world.
With over one billion views in a year, it’s no wonder that so many speakers are looking to TED for ideas on how to share their message more effectively.
The article “5 Public-Speaking Tips TED Gives Its Speakers”, by Carmine Gallo for Forbes, gives speakers five practical ways to connect with their audience, and effectively share their ideas on stage.
Whether you are gearing up to get on a TED stage yourself, or just want to master the skills that so many of their speakers possess, these tips and quotes from Chris Anderson, the TED Talks Curator, will encourage you to make the most impactful impression on your audience.
See the full article and more summaries like this on SpeakerHub here: https://speakerhub.com/blog/5-presentation-tips-ted-gives-its-speakers
See the original article on Forbes here:
http://www.forbes.com/forbes/welcome/?toURL=http://www.forbes.com/sites/carminegallo/2016/05/06/5-public-speaking-tips-ted-gives-its-speakers/&refURL=&referrer=#5c07a8221d9b
ChatGPT and the Future of Work - Clark Boyd Clark Boyd
Everyone is in agreement that ChatGPT (and other generative AI tools) will shape the future of work. Yet there is little consensus on exactly how, when, and to what extent this technology will change our world.
Businesses that extract maximum value from ChatGPT will use it as a collaborative tool for everything from brainstorming to technical maintenance.
For individuals, now is the time to pinpoint the skills the future professional will need to thrive in the AI age.
Check out this presentation to understand what ChatGPT is, how it will shape the future of work, and how you can prepare to take advantage.
The document provides career advice for getting into the tech field, including:
- Doing projects and internships in college to build a portfolio.
- Learning about different roles and technologies through industry research.
- Contributing to open source projects to build experience and network.
- Developing a personal brand through a website and social media presence.
- Networking through events, communities, and finding a mentor.
- Practicing interviews through mock interviews and whiteboarding coding questions.
Google's Just Not That Into You: Understanding Core Updates & Search IntentLily Ray
1. Core updates from Google periodically change how its algorithms assess and rank websites and pages. This can impact rankings through shifts in user intent, site quality issues being caught up to, world events influencing queries, and overhauls to search like the E-A-T framework.
2. There are many possible user intents beyond just transactional, navigational and informational. Identifying intent shifts is important during core updates. Sites may need to optimize for new intents through different content types and sections.
3. Responding effectively to core updates requires analyzing "before and after" data to understand changes, identifying new intents or page types, and ensuring content matches appropriate intents across video, images, knowledge graphs and more.
A brief introduction to DataScience with explaining of the concepts, algorithms, machine learning, supervised and unsupervised learning, clustering, statistics, data preprocessing, real-world applications etc.
It's part of a Data Science Corner Campaign where I will be discussing the fundamentals of DataScience, AIML, Statistics etc.
Time Management & Productivity - Best PracticesVit Horky
Here's my presentation on by proven best practices how to manage your work time effectively and how to improve your productivity. It includes practical tips and how to use tools such as Slack, Google Apps, Hubspot, Google Calendar, Gmail and others.
The six step guide to practical project managementMindGenius
The six step guide to practical project management
If you think managing projects is too difficult, think again.
We’ve stripped back project management processes to the
basics – to make it quicker and easier, without sacrificing
the vital ingredients for success.
“If you’re looking for some real-world guidance, then The Six Step Guide to Practical Project Management will help.”
Dr Andrew Makar, Tactical Project Management
Unlocking the Power of ChatGPT and AI in Testing - A Real-World Look, present...Applitools
During this webinar, Anand Bagmar demonstrates how AI tools such as ChatGPT can be applied to various stages of the software development life cycle (SDLC) using an eCommerce application case study. Find the on-demand recording and more info at https://applitools.info/b59
Key takeaways:
• Learn how to use ChatGPT to add AI power to your testing and test automation
• Understand the limitations of the technology and where human expertise is crucial
• Gain insight into different AI-based tools
• Adopt AI-based tools to stay relevant and optimize work for developers and testers
* ChatGPT and OpenAI belong to OpenAI, L.L.C.
The document discusses various AI tools from OpenAI like GPT-3 and DALL-E 2, as well as ChatGPT. It explores how search engines are using AI and things to consider around AI-generated content. Potential SEO uses of ChatGPT are also presented, such as generating content at scale, conducting topic research, and automating basic coding tasks. The document encourages further reading on using ChatGPT for SEO purposes.
More than Just Lines on a Map: Best Practices for U.S Bike Routes
This session highlights best practices and lessons learned for U.S. Bike Route System designation, as well as how and why these routes should be integrated into bicycle planning at the local and regional level.
Presenters:
Presenter: Kevin Luecke Toole Design Group
Co-Presenter: Virginia Sullivan Adventure Cycling Association
Ride the Storm: Navigating Through Unstable Periods / Katerina Rudko (Belka G...DevGAMM Conference
Has your project been caught in a storm of deadlines, clashing requirements, and the need to change course halfway through? If yes, then check out how the administration team navigated through all of this, relocating 160 people from 3 countries and opening 2 offices during the most turbulent time in the last 20 years. Belka Games’ Chief Administrative Officer, Katerina Rudko, will share universal approaches and life hacks that can help your project survive unstable periods when there seem to be too many tasks and a lack of time and people.
This presentation was designed to provide strategic recommendations for a brand in decline. The deck also incorporates a situational assessment, including a brand identity, positioning, architecture, and portfolio strategy for the Brand.
Presentation originally created for NYU Stern's Brand Strategy course. Design by Erica Santiago & Chris Alexander.
6 Big Mistakes to Avoid Before Filing Bankruptcy - From Flexer Law
1. Tips from bankruptcy professionals on how you can PROTECT your assets
and AVOID legal complications if you’re considering bankruptcy!
6 BIG MISTAKES TO AVOID
BEFORE FILING BANKRUPTCY
PROVIDED BY FLEXER LAW | MIDDLE TENNESSEE BANKRUPTCY ATTORNEYS
2. FLEXER LAW | 615-255-2893 | FLEXERLAW.COM
1
6 BIG MISTAKES
TO AVOID
BEFORE FILING
BANKRUPTCY
SO YOU’RE THINKING ABOUT BANKRUPTCY.
You’re not alone. Thousands of Middle Tennesseans file for
bankruptcy protection every year. The Bankruptcy Law was made
to protect honest consumers like you when you fall on hard times.
However, the law can be complicated. We put this book together
to help you watch out for some all-too common mistakes that
people make right before filing for bankruptcy. You can save
money, time, legal fees, and even personal relationships by
reading what’s inside this book.
This report is not to be taken as legal advice, nor does it constitute
an attorney-client relationship. However, if you would like legal
advice, you can call our office any time to speak with one of our
attorneys. We’re here to help you - it’s our job!
______________________________________________________________
Flexer Law is a debt relief agency.
We help people file for bankruptcy under the Bankruptcy Code.
IN THIS
REPORT:
-Avoiding getting in
trouble for fraudulent
conveyances and
transfers
-Know what you can
and cannot keep when
filing bankruptcy
(It’s more than you
may think!)
-How to spend your
tax refund if you’re
anticipating
bankruptcy
-Know which debts
you can and cannot
discharge before you
file
-Find out which type of
bankruptcy you qualify
for and how to use it to
your advantage
-Time is money: Know
when to get help!
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AVOID MISTAKE #1:
FRAUDULENT
CONVEYANCES AND
PREFERENCES
BE CAREFUL WHO YOU GIVE MONEY TO!
By Michelle Spezia
Individuals and business owners not familiar with the bankruptcy process often believe
that the bankruptcy court will sell everything they own, which is called “liquidation.” In some
cases, liquidation is part of the bankruptcy. However, there are options for keeping property
and still receiving the benefits of a bankruptcy. Always consult a bankruptcy professional
about your options by disclosing everything you own. What you own cannot be protected if
your attorney is kept unaware of your property!
Sometimes, individuals or businesses who have been hounded by creditors believe the
only way they can protect their house or their car is to legally remove their name by
quitclaiming a deed or transferring a title to a family member or friend. This type of transfer is
considered a fraudulent conveyance, because it was made with the intent of hiding
belongings or assets from creditors. The transfer shows an intent to hinder, delay, or defraud
creditors, and can be undone by a bankruptcy trustee.
Fraudulent conveyance is a civil cause of action that can be brought against the
individual or business by a creditor or the trustee. Once the transfer is undone, the property
can be sold for fair market value and funds distributed to creditors.
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Additionally, transfers made without an actual intent to hide assets can still be undone
by a fraudulent conveyance action. For example, if Jay sells his car valued at $4,000.00 to his
friend Daniel for $500.00, the trustee can undo this transfer and attempt to sell the car for what
it is worth. Jay’s friend Daniel received the benefit of the car’s value instead of the creditors
that Jay owes. Jay did not intend to hide his car from creditors; however, he did not receive
fair market value for the sale of his car and the transfer benefited his friend. In this situation,
Daniel is considered an insider because he is Jay’s friend. A family member who received this
type of benefit would also be considered an insider. These types of conveyances can be
undone and must be disclosed on your petition for bankruptcy if they occur within two years of
filing a bankruptcy.
The trustee looks at money transfers as well. Often, individuals attempt to pay off or
pay down one particular creditor over another before filing. The trustee looks at any payments
individuals made to creditors over $600.00 within three months prior to filing a bankruptcy.
The trustee can get back these funds and redistribute them equally to all creditors. Typically,
this action does not affect the individual directly. Normally this would involve payments to
unsecured creditors rather than payments you’ve made on your car or home.
Conversely, if an individual pays a family member or friend within one year of filing the
bankruptcy, the trustee can get these funds back, which can harm relationships. Paying a
family member or friend before filing a bankruptcy is called an insider preference, because an
individual is preferring his family or friends over credit cards or hospital bills. For instance,
Beth loaned her sister Dana $3,000.00. Dana was able to pay Beth the full loan amount six
months prior to filing her bankruptcy. The bankruptcy trustee in Dana’s case will be able to get
the $3,000.00 back from Beth (and/or obtain a judgment against Beth to recover those funds),
and will distribute the funds equally to all of Dana’s other creditors.
Ultimately, if an individual or business is insolvent (it has more liabilities than assets), it
is always in your best interest to discuss your options with a bankruptcy professional before
selling or transferring property or assets. Often, assets can be protected in the bankruptcy and
an attorney can assist you with the best avenue to protect or sell your property. There are
always exceptions and options available, which is why you should speak with an attorney. You
can have relief from creditors without losing everything you have worked hard to acquire.
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AVOID MISTAKE #2:
KNOW WHAT YOU CAN
AND CANNOT KEEP
ARE YOUR ASSETS AT RISK?
By Lori Lott Szathmary
New clients often come into the office with the misguided belief that filing for bankruptcy
is going to cause them to lose their house, their car, or other personal property that they would
like to keep. Lots of people are scared away from even discussing the idea of bankruptcy
because of this fear. Those that do opt to file the case may fear losing their stuff so much that
they may fail to mention all their assets to their attorney.
Don’t fall into the trap of believing that you must continue to suffer through your financial
crisis because you don’t want to lose your property. Bankruptcy is designed to allow you to
keep a certain amount of personal property. Most of the time, you can keep everything you
own (including your house and car), provided that you have disclosed all of your assets to the
court.
Don’t fall into the trap of
believing that you must
continue to suffer through
your financial crisis
so that you don’t lose
your property!
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WHAT DOES THE BANKRUPTCY ESTATE INCLUDE?
Filing for bankruptcy creates what is called a “bankruptcy estate.” Your bankruptcy
estate is comprised of everything that you own at the time you file bankruptcy, whether the
asset is tangible or intangible. When you file for bankruptcy, regardless of whether it is
Chapter 7 or Chapter 13, you must prepare schedules where you list things you own such an
real property, vehicles, cash, bank accounts, furniture, household goods, retirement accounts,
and so on. These items would be considered tangible.
Going further, you must even list claims that you might have against someone at the
time that you file for bankruptcy. For example, if you have been injured in a car accident prior
to filing bankruptcy but have not yet determined whether you should sue the party who caused
your injury, you would still be required to list the potential lawsuit as an asset you own. This
would be considered an intangible asset. Any asset or property that you inherit within 180
days of filing the case is also part of your bankruptcy estate. Failure to list an item that you own
could cause you to lose your interest in that asset. It is very important that you make certain to
list every asset that you have an interest in.
TANGIBLE ASSETS INTANGIBLE ASSETS
May include:
-Real estate
-Vehicles
-Cash & Bank Accounts
-Furniture & Household Goods
-Retirement accounts
And more
May include:
-Potential lawsuits you may have
against someone else
-Any asset you inherit within 180
days of filing bankruptcy
-Copyrights and patents
SO WHAT CAN I KEEP?
Everyone is entitled to certain “exemptions” to protect their personal property. The laws
of the state where you have been living for the last two and a half years prior to filing your
bankruptcy are the laws that will apply for purposes of claiming exemptions. If you have lived in
more than one state, your attorney will need to discuss with you which state’s exemptions will
apply (or whether federal exemptions apply) and what that might mean to your case. Keep in
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mind that if your property is subject to a lien from a creditor, such as a mortgage, then you only
need enough exemption to protect your “equity” in the property which is the amount left over
after the amount of the mortgage or lien is deducted from the property’s value.
WHAT YOU CAN EXEMPT FROM YOUR BANKRUPTCY ESTATE IN TENNESSEE
Tennessee law allows you to protect $5,000 of equity in your real property if you are
single ($25,000 if you are a single parent), or $7,500 of equity in real property if you are
married ($50,000 if you are married with children). Different exemptions apply if you are over
the age of 62. Furthermore, Tennessee allows you to protect up to $10,000 of personal
property (items such as furniture, money in bank accounts, equity in vehicles, jewelry, etc.).
Also, your retirement accounts can typically be protected 100%. There are numerous
exemptions under Tennessee law that allow you to keep your property.
Most of the time, bankruptcy cases are considered “no asset cases” because all of your
assets can be exempted. It always helps to consult with a knowledgeable attorney who can
give you your options about keeping your property when filing bankruptcy but still getting the
relief from your creditors that bankruptcy provides.
Knowing what you can exempt from
your bankruptcy can be tricky.
Remember these 2 things:
1) always disclose everything you own in
your Bankruptcy petition, and
2) talk to an experienced attorney about
the best way to protect your belongings
BEFORE you file for bankruptcy!
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AVOID MISTAKE #3:
KNOW WHAT TO DO WITH
YOUR BIG TAX REFUND
BEFORE BANKRUPTCY
IF YOU GET A BIG TAX REFUND BEFORE FILING
BANKRUPTCY, THAT’S OK – READ ON TO KNOW
HOW TO SPEND IT!
By Dan Castagna
Many of my clients wind up getting large tax refunds after they file their taxes. These
refunds can add up to thousands of dollars. Someone who is contemplating filing bankruptcy
may be under the misimpression that they cannot keep their tax refund because it may be too
much. It is often the case that people in debt normally turn to their friends and family in times
of their financial distress. As a result, many people feel a moral obligation to repay a family
member who has helped them in the past.
Without consulting an attorney, they make the mistake of giving their tax refund away to
family members or friends to whom they owe money. People who are planning to file
bankruptcy do not realize that, by repaying that gift from a family member or friend with their
tax refund, there may be some negative consequences.
1) Repaying friends or family with tax refunds may prevent the individual from receiving a
discharge in a Chapter 7, or
2) Repaying friends or family may pull the family member or friend who received money
from the bankrupt individual into some sort of potential lawsuit inside the bankruptcy.
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Obviously, those are not positive outcomes for your finances or for your relationships with
your friends or family, which is why you must be very careful spending your tax refunds.
When a person files for bankruptcy relief, they are allowed certain exemptions. An
exemption basically indicates the type and amount of property that your creditors (and the
bankruptcy estate) cannot take from you. In essence, it is the property that you get to keep or
the amount of equity you get to keep in your property. The types of exemptions you are
allowed to claim vary depending on where you lived prior to filing for bankruptcy protection.
As a general rule, if you have lived in Tennessee for the past two years you would be
entitled to claim Tennessee state exemptions. Under Tennessee law, an individual is entitled
to claim an exemption of $10,000.00 in personal property. This type of property includes your
tax refund! This means that a married couple can claim up to $20,000.00 in exemptions for
their personal property - which includes a tax refund. Thus, many times, you are able to
protect, or shield your tax refund from the bankruptcy Trustee and are allowed to keep it.
Once the exemption is allowed and the case proceeds to a certain point, you can than do
whatever you choose with that tax refund and the bankruptcy has no effect on it.
The problem many people face is giving friends or family members a portion of their
tax refund before filing bankruptcy. The bankruptcy petition states that you must disclose
any payments you make to a creditor that in the aggregate total more than $600.00 in the 90
days prior to filing for bankruptcy protection. Thus, if you owe a family member or friend
If you pay back a friend or family
member with your tax refund
right before filing bankruptcy, a
bankruptcy Trustee may deem
that payment a “preferential
payment” and could even sue
your friend or family member for
return of those payments!
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If you are expecting a large tax refund and
are considering bankruptcy in the near
future, call an attorney for advice before
transferring any portion of your tax refund!
money and pay them back with your tax refund before you file bankruptcy, you must list this
transfer on your petition. If these payments are deemed to be “preferential payments” by the
Trustee then the Trustee can sue your family member or friend for a return of those payments.
The petition also requires someone who files bankruptcy to list gifts given to family
members if the aggregate of the gift is more than $200.00 within a year of filing. In addition,
the petition also requires you to list all property that you transferred within two years of filing
the bankruptcy. Thus, if you gift your tax refund (or a portion of your refund) to a member of
your family or transfer your refund to a friend or family member, the transfer can be set aside
by the Trustee and your family member or friend could be required to turn the money over to
the Trustee because it may be deemed a preferential transfer or a fraudulent conveyance. If it
is not turned over to the Trustee, your family member or friend could be sued by the Trustee
and forced to defend a lawsuit.
It is imperative that you speak with a competent attorney before transferring any portion
of your tax refund. There are many pitfalls that may be preventable with the right legal advice
prior to filing. Many times, the simplest solution is to just hang onto your tax refund until after
you file your bankruptcy case. If you are thinking of filing bankruptcy, before you do anything
with your tax refund, consult an attorney to avoid any pitfalls.
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AVOID MISTAKE #4:
KNOW WHICH DEBTS CAN
BE DISCHARGED
CAN YOU GET RID OF STUDENT LOANS?
By Rodney Caldwell
Filing a bankruptcy normally takes away the stress and anxiety associated with being in
debt; however, a bankruptcy discharge does
not take away your responsibility to repay all
the debt you have listed in your bankruptcy
petition. This article will give you a brief
overview of one of the most common debts
which you will normally still owe if you file for
bankruptcy relief: Student Loans.
Student Loans are typically the most
common type of debt which are not subject
to being discharged. A bankruptcy discharge is a court order that prohibits creditors from
personally collecting on the debts listed on your bankruptcy petition. The Bankruptcy Code
defines student loans as:
An educational benefit, overpayment or loan made, insured or guaranteed by a
governmental unit, or made or funded in whole or part by a governmental unit
or nonprofit institution, or an obligation to repay funds received as an educational
benefit, scholarship, or stipend, or any other educational loan that is a qualified loan,
as defined in section 221(d)(1) of the Internal Revenue Code of 1986.
Therefore, Congress has stated any loan used solely as an educational loan, whether
from the government, a nonprofit institution, or a private lender will not be discharged if you file
a bankruptcy. This exception to discharge has one caveat which allows the debt to be
discharged if a person who filed for bankruptcy relief can show that the repayment of the
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student loan debt is an undue hardship. You should consult with an experienced bankruptcy
attorney to see if you could potentially meet the qualifications to have the debt discharged
because the student loan repayment creates an undue hardship.
In extremely rare occasions, student loans can be discharged with a showing of undue
hardship. In order to obtain a hardship discharge of the loan, the debtor must file a lawsuit and
prove that there is no way that they will ever be able to repay the loan. Hardship discharges
are ordinarily granted only in cases of extreme disability, wherein earning potential is
completely diminished.
Congress has also carved out exceptions to other debts which cannot be discharged in
a bankruptcy. It is important to know that certain types of debts are considered
nondischargeable (you will still owe them after your discharge in Bankruptcy).
Even if you cannot discharge the debts listed above with Chapter 7, you may consider a
Chapter 13 to repay those nondischargeable debts, in part or in full, at a rate you can afford.
(For more on Chapter 13, visit www.flexerlaw.com/chapter13). Or, you may still wish to file a
Chapter 7 to get rid of your other debt so you can focus on paying the nondischargeable items
like student loans.
Make sure you fully disclose all of your debts and the circumstances surrounding
incurring your debts when you consult with your bankruptcy attorney to ensure that you are
fully informed on what you can discharge when you file for bankruptcy relief.
DEBTS THAT MAY NOT BE ABLE TO BE DISCHARGED (WIPED OUT)
IN A CHAPTER 7 MAY INCLUDE:
• Student loans
• Certain tax debt (ask your attorney – some older tax debt may actually be
dischargeable)
• Alimony and child support
• Civil and criminal fines payable to a governmental unit
• Debts brought about as a result of driving a vehicle under the influence of alcohol or
drugs
• Debts which are related to fraud, false representation, or willful and malicious injury to
another person or property
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AVOID MISTAKE #5:
UNDERSTAND WHICH
CHAPTER YOU QUALIFY
FOR – AND WHEN!
IF YOU FILED BANKRUPTCY IN THE PAST,
YOU CAN FILE AGAIN!
By Bryan Penland
You may have filed for bankruptcy in the past and find yourself in a situation where you
may need to file again. Is this possible? The short answer is: YES! In most instances, a
person can file another bankruptcy case even if they have filed before.
Why would someone need to file again? There can be many reasons, including:
medical issues that result in new and overwhelming debts or reduced household income due
to loss of employment or separation from a spouse. Filing for bankruptcy again is sometimes
necessary to provide protection from overwhelming and burdensome debts.
The automatic stay is an injunction (a court order) that prevents creditors from
continuing to collect on a debt through means such as foreclosure, repossession,
garnishments of wages, and lawsuits to collect a debt. The automatic stay is usually available
to prevent these collection activities, even if the person has filed before. There are some
instances where a repeat bankruptcy filer would not have the automatic stay to protect them,
but the majority of repeat filers would be able to stop collection activity by re-filing for
bankruptcy relief.
In some circumstances, a person who files another bankruptcy within a short period of
time cannot receive a discharge in that follow up case. To receive a discharge of a debt in
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bankruptcy means to extinguish the legal liability to pay that debt. Some debts such as
student loans, child support or alimony, criminal fines and certain tax debts cannot be
discharged in any bankruptcy, whether it is your first or fifth bankruptcy filing.
Why would you want to file for bankruptcy if you cannot discharge your debts? Isn’t that
the point of bankruptcy? Sometimes it makes sense to file again even if you won’t receive a
discharge in the case, especially if, by filing, you can keep your house safe from foreclosure,
avoid repossession of your car, or stop a garnishment. Chapter 13 can provide a 5-year safe
haven to keep your property, like a house or a car, while you make your payments through the
Chapter 13 program, even though a discharge of your debts is not available.
The decision to file another bankruptcy, especially within a short period of time from a
prior filing, is a serious decision that requires careful analysis and sound advice from a
competent bankruptcy attorney. Our offices have 7 consumer bankruptcy attorneys in 3 offices
in Middle Tennessee that are up to the task. Contact us now if you have any questions about
filing bankruptcy again.
If you have filed bankruptcy in the past, you can file another
case! Don’t make the mistake of thinking that you don’t qualify
again. Check with a bankruptcy attorney to know the options
that are available to you to keep your creditors at bay!
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AVOID MISTAKE #6:
DON’T WAIT TOO LONG
TO TAKE ACTION!
TALK TO AN ATTORNEY TO DISCUSS YOUR
OPTIONS - YOU DON’T HAVE TO DO THIS ALONE!
By Chad MacIsaac
On average, people take several months to decide whether or not to file for bankruptcy.
During this time, they are still juggling their bills. Unfortunately, when stressed out due to
looming financial problems, people make mistakes. They think that if they can just take care of
some of the smaller credit cards, then they will be able to manage their house and car
payments. In order to do this, they make the credit card payments instead of making the
house or car payment. Do not do this!
Many people try to manage their debts by taking a line of credit or second mortgage or
by emptying a retirement account to pay off credit cards or loans. It is generally a bad idea to
turn unsecured debt into secured debt. Further, this may only be a temporary fix and you
could end up having to file for bankruptcy later anyway. Stop robbing Peter to pay Paul.
You should speak with an attorney so that you can make an informed decision on which
route is best for you. The consultation is free.
If you are facing a possible foreclosure, repossession and/or lawsuit, then you should
talk to one of our bankruptcy attorneys right away. The longer you wait, the greater the chance
that you could lose money or other assets due to either paying the wrong creditors or due to
garnishments, foreclosures or repossessions. It is important to not wait until you have
judgments pending against you. As soon as you are threatened, you should contact us for
help.
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If you wait until the last minute, then it may be too late to stop a foreclosure,
repossession or judgment from being entered. Once a foreclosure sale occurs, it cannot be
undone in a bankruptcy. Once there is a judgment entered, it is on your credit record. A
judgment could also attach to your assets and could remain attached even after a bankruptcy.
Talk with an attorney before you sign up for debt management and other credit repair
companies. You need to understand how these companies work in order to protect yourself
and not make a bad situation worse. Do not file a bankruptcy on your own or with the help of a
friend. The bankruptcy code is complex and the slightest mistake could get your case
dismissed. Also, you want to make sure that bankruptcy is the right choice. We can help and
offer a free consultation.
Ignoring the issue can cost you time and money.
Seek legal help as soon as you know there is a problem!
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HOW DO I AVOID MAKING
THESE MISTAKES?
In this report, we’ve given you some valuable tips to avoid losing money, time, and even
relationships as you prepare to file for bankruptcy. If you still have questions or want us to look
at your financial situation in detail, please give us a call.
We have seven attorneys on staff dedicated to helping people navigate the bankruptcy
process. The first consultation is always free of charge. We know that filing for bankruptcy is
a big decision, and we want you to be well equipped with the knowledge and legal advice you
need before you make that decision.
Call us at 615-255-2893 or email freeinfo@flexerlaw.com to get more information. We’d love
to hear from you and see how we can help you.
Sincerely,
-James Flexer
James Flexer
Owner, Flexer Law
3 Locations in Middle Tennessee to Serve You:
NASHVILLE MURFREESBORO COLUMBIA
Easy access to I-65 & I-40 with free parking:
1900 Church Street, Suite B
Nashville, TN 37203
615-255-2893
On the Square in Murfreesboro:
105 N. Maple St., Suite B
Murfreesboro, TN 37130
615-896-4811
On the Square in Columbia:
13 Public Square
Columbia, TN 38401
931-375-0006
Online at flexerlaw.com
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ABOUT THE ATTORNEYS:
James Flexer started his firm in 1981 in downtown Nashville. The company has
now grown to 9 attorneys in 3 offices in Middle Tennessee. James is a Nashville
native and is always happy to share tidbits of local trivia – just ask him!
Dan Castagna is the managing bankruptcy attorney in the Nashville office and
has been practicing bankruptcy law since 2003. Dan graduated from Vanderbilt
University, but is originally from Queens, New York and has the accent to prove it.
Bryan Penland is the managing bankruptcy attorney in the Columbia office and
has been practicing bankruptcy law since 2006. Bryan played baseball in college
and now enjoys coaching his son’s travel baseball team.
Lori Lott Szathmary has been practicing bankruptcy law since 2009 and appears
on behalf of our Chapter 13 clients at their Meetings of Creditors. Lori spends her
free time chasing her 100 lb dog and her 10 month old baby girl around the house.
Rodney Caldwell started his law career with the Metropolitan Public Defender’s
office but has been practicing bankruptcy law since 2010. Rodney is not afraid to
stand up to creditors but he will admit he is terrified of spiders. You’ll recognize
Rodney at court because he is always sporting a bow tie!
Michelle Spezia has been practicing bankruptcy law since 2008. In addition to
consumer bankruptcies, she also specializes in filing Chapter 7 bankruptcies for
small businesses. Michelle is a classically-trained pianist and has been playing
since the age of four.
Chad MacIsaac has been practicing bankruptcy law since 2006 and manages the
Murfreesboro office. Chad is originally from California but now calls Middle
Tennessee home, where he plays in an adult soccer league.