When you and your attorney file your bankruptcy papers, it is not automatically assumed that everything listed is the exact truth. Attorney's generally will not file any claims that they know are inaccurate, but they are relying on you to provide all of the appropriate information.
In most bankruptcy cases, the attorney will go through the paperwork to determine if any claims being made are inaccurate. Once the case is filed, the trustee will go over all the information supplied looking for inaccuracies or reasons to believe fraud may be involved. At this point, the trustee is acting almost like an auditor, or an advocate for the creditors. In addition to the trustee's inspection, your filing can be formally audited. The audit involves the verification of the income, expenses, and assets reported on the bankruptcy schedules and statements.
Bankruptcy attorneys usually work with a trustee on many different cases and know how to file your paperwork to meet a specific trustee's concerns. Any issues with how a trustee handles a case should be left up to the attorney to deal with. This is yet another reason to hire a bankruptcy attorney.
The trustee is appointed by an officer of the Department of Justice called the United States Trustee. The trustee will participate in all creditor meetings and has the power to discharge a creditor's claims if evidence of fraud or ineligibility is found with the creditor. In this case, they are acting as an advocate for you. The trustee will also make sure that you are meeting any requirements you may have for budgeting and money management.
Trustees working with Chapter 7 filings generally serve a one-year term. The trustee's role in a Chapter 7 bankruptcy include liquidating any non-exempt assets in a manner that maximizes the return to the unsecured creditors. The trustee does this by selling your property, then distributing the money to the creditors. The trustee also has the power to consider if there are preferences or fraudulent transfers that can be recovered from which creditors can be paid. Trustees working with Chapter 7 filings earn a fixed amount for each case (at the time of this writing, $60 / case).
Trustees working with Chapter 13 filings may be standing trustees serving a geographic area or a court region. In a Chapter 13 bankruptcy, the trustee's job is more administrative as there are no assets to liquidate. They will make sure the balances claimed are true and they have approval power over the repayment plan. The trustee will accept payments from you and distribute them to the creditors according to the repayment plan. Trustees working with Chapter 13 filings earn a percentage of the money collected during the case.
In the end, it's important remember that even thought the trustee wants to insure that everyone is treated fairly, this necessarily means recovering as much money as possible for the creditors.
Role Of Personal Selling
As a spiritual practice, Reiki is much more than a methodology used to address certain afflictions. The healing process that takes place within the person who receives treatment extends to every area of his or her life. Yet, many practitioners fail to fully appreciate the role Reiki plays in their taking personal responsibility for their circumstances. This is odd because one of the underlying principles of the practice is that we control our own realities. Why then, do so many people who rely upon its healing power for personal and spiritual growth abandon this principle in the face of calamity?
Below, we'll take a closer look at this issue. We'll delve into what it means to take credit for disaster and misfortune. I'll explain why it is vital to retain power and control over your life and how the creation of habits influence your subconscious mind.
Taking Credit For Disaster
Reiki advocates often take credit for good fortune that occurs in their lives. They are convinced that something they did or a decision they made led to a positive result. Yet, many of those same people, when confronted with a personal disaster, are quick to place blame elsewhere. In other words, they are far less willing to assume responsibility for unfortunate circumstances than they are for those that are fortuitous.
The short-term "benefit" is that in assuming the role of a victim, they attract the sympathy of those around them. In a way, this pity from others is an endorsement of their lack of control in the face of disaster. Unfortunately, enjoying this "benefit" comes at the cost of ceding control of their lives.
Retaining Power And Control Over Our Lives
A recurring theme of Reiki healing and spiritual growth is that our actions and decisions play a key role in designing our reality. To that end, if something unfortunate happens to us, that misfortune is due to circumstances that are within our power to control. It is the essence of personal responsibility. While it may seem intuitively difficult to shoulder blame or fault for a personal calamity, doing so allows us the freedom to assert power in our lives.
Habits And The Subconscious Mind
When we are young, we learn to bury certain emotional feelings. For example, if we felt jealousy toward another person, our mothers or fathers may have sternly told us to stop behaving poorly. If we felt anger, that too, was discouraged. The problem is that in burying these emotions, they were not resolved. Instead, they were merely stifled. Over time, with repeated warnings about these emotions, we eventually learned to suppress them automatically.
This leads to a subconscious mind that never learns to take responsibility for negative circumstances. The suppressed emotions tend to attract to us those who in some way cause us grief. The irony is that these people exhibit traits that are similar to our subconscious minds.
Enjoying The Freedom Of Personal Responsibility
Reiki can be a powerful tool for resolving the suppressed emotions that have amassed over a lifetime. Through regular meditation and seeking truth about ourselves, we can learn to accept personal responsibility in every area of our lives. There is an enormous level of freedom in doing this. By understanding the manner in which our actions and decisions lead to our circumstances (both positive and negative), we can design a healthier reality.
The results will be significant. You'll find that people you once avoided bring joy to your life rather than grief. You'll discover that the occasional misfortunes you experience are not as disastrous as they seem since you're in control. Most importantly, by taking personal responsibility for your life, seeking truth through meditation, and sharing Reiki energy, you'll enjoy a new level of spiritual growth.
Both James J Jones & Frank Lucer are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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