Bankruptcy Lawyer Fees Articles - Page 1 - ArticleSnatch.com

Articles about Bankruptcy Lawyer Fees (0-50 of 478)

  • Bankruptcy And The Start Of A New Financial Chapter
    By: saratremellaw | - Starting afresh when you are at the end of your financial tether starts with making sure you file for Bankruptcy Correctly. In the Jacksonville area, a Jacksonville Bankruptcy Lawyer can help you get back on your feet when circumstances beyond your control like an illness or the loss of a job in this tough economy leads to a point where you are faced with declaring bankruptcy.

    If you are at such a point, where you realize that your monthly payments are more than your income and you ...

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  • Bankruptcy Lawyers In Los Angeles: Hire One Now!
    By: Ryan Garcia | - Going through bankruptcy is already a difficult situation as it is. If you hire a bankruptcy lawyer who has a poor track record, you could end up in total financial ruin and never recover. Unfortunately, there are so many attorneys out there who are just out for a quick buck and do not care at all about your case. They will take advantage of your situation and promise you a lot of things but really, all you will be getting are poor legal services. It is very important therefore to hire a lawyer ...
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  • Bankruptcy Lawyer: Troubleshoot Before You Hire
    By: Andrew Stratton | - A bankruptcy lawyer can be of assistance if you are receiving annoying phone calls from creditors and you are having trouble managing your finances. When you decide to see an attorney, you should weigh the pros and the cons associated with the situation. If you qualify to file, the attorney could assist you in making preparations to file. Most people do not know the steps that must be taken to file, and they believe that it is a simple process. A bankruptcy lawyer can tell you the different bank ...
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  • A Bankruptcy Lawyer Can Give You Peace Of Mind
    By: Andrew Stratton | - A good bankruptcy lawyer can help you avoid some of the pitfalls associated with filing. You should consider why you wish to file. Are you at risk at losing your home, or are you at risk at losing your vehicle? It might be best if you can trade in your vehicle or turn it in rather than filing. A good bankruptcy lawyer will give you advice that could save you time and money. Most people do not know that the arrangements that you make when you file could last for years. The impact of filing can al ...
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  • Bankruptcy Lawyer: Hire A Competent Attorney
    By: Andrew Stratton | - You will need to hire a competent bankruptcy lawyer to help you develop a plan that will support your future goals to become financially stable. Although the attorney will ask for several documents, these documents will help show how much money you earn and how much money you can afford to pay in monthly payments. Ask the attorney if you can provide him or her with copies of the paperwork that is needed. He or she will let you know if there are some special steps that must be taken related to th ...
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  • A Bankruptcy Lawyer Is Necessary When Filing
    By: Andrew Stratton | - When you're thinking about bankruptcy as a solution, you may be wondering how you go about filing a petition. It is important that the first step you take is finding a reputable bankruptcy lawyer. Although you can choose to handle this by yourself, it is much more of an effective solution financially and emotionally with an attorney by your side.

    Bankruptcy Is Overseen By The Federal Courts

    When people apply for bankruptcy, they are usually unaware that this is a ...

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  • Asking The Right Questions Of A Bankruptcy Lawyer In Chicago
    By: Rogger F. Canady | - When you start the proceedings for a bankruptcy, then you will need to hire a bankruptcy lawyer in Chicago, and you need to make sure you get all of your questions answered. Often, it is easy for the lawyer to get started in the legal proceedings and forget to explain everything to you. Bankruptcies are certainly not straightforward and they can be processes that are stressful and confusing. It will be important that you get all of your questions answered, and do not be afraid to ask questions e ...
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  • San Francisco Bankruptcy Lawyer - California Tax Law Attorney
    By: Thomas Hogan | - A lot of debt? Thinking about using a bankruptcy service? You might like to reconsider what sort of service to use. Your finances aren't something you should take lightly or get a do it yourself kit for. Now you have an important improvement in your life as well as serious thought. You will need to consider and know all the options that's why you require the advice of any good bankruptcy lawyer. Needing to declare bankruptcy are few things to be ashamed of, people have money problems every once ...
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  • Bankruptcy In Florida
    By: George Parsons | - Due to the problems with the economy, many people are having trouble paying their bills. Sometimes, through no fault of your own, you may find that there is simply no way you can keep up with your bills. If you live in Florida and find yourself in this difficult situation, you may want to contact a Florida bankruptcy lawyer.

    A Florida bankruptcy lawyer can explain your options to you. This information can help you to make an intelligent decision about your situation. There are dif ...

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  • Bankruptcy In Sarasota, Florida
    By: George Parsons | - Bankruptcy is considered by most to be a nasty 10 letter word. When most potential creditors see bankruptcy on a credit report, they, most of the time, will back peddle faster than the speed of sound. But, owing thousands in debt, with no end in sight, can be more frustrating. Using credit repair companies or debt reduction companies can leave people feeling robbed and owing more than before they hired them. Sometimes, filing bankruptcy is the only way to have those creditor calls stop. In F ...
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  • Some Significant Considerations When Picking A Bankruptcy Attorney
    By: Jacob Schiffer | - After examining your predicament and you believe you really need to report bankruptcy, you are going to need the assistance of a bankruptcy lawyer to help you with your case. You will need to pick your attorney cautiously since this is not just any usual problem, but a monetary crisis. Whne selecting your bankruptcy attorney, below are some things you can ponder:

    Select a lawyer or attorney near you

    The first thing you must look at when finding a legal representative is ...

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  • Hiring A Bankruptcy Attorney
    By: Stewart Wrighter | - In these difficult economic times, you may be finding yourself in need of a bankruptcy lawyer. The loss of a job, illness, death of a family member, or a divorce can cause a financial difficulty where you may be seeking the advice of bankruptcy attorneys. When you are going through bankruptcy, you need a good attorney to deal with your creditors during the proceedings. Filing for bankruptcy is a serious, difficult, confusing, and stressful undertaking and most people are totally unfamiliar with ...
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  • How To Choose A Richmond Bankruptcy Lawyer
    By: Art Gib | - Staying on top of our financial obligations is not always easy. If you are neck deep in debt, and cannot see a clear path through your problems, finding an experienced Richmond bankruptcy lawyer may be the best step you can take. Every year more than a million Americans file for bankruptcy, and embrace the new start that it offers.

    Finding an experienced and trustworthy attorney that specializes in this field is essential if you want to ensure that the process is as smooth as theo ...

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  • Need An Affordable Divorce Lawyer In Philadelphia?
    By: Alcott Beldon | - If you think that your marriage is up to an end then you might be looking for a divorce lawyer. If you are a resident of the Philadelphia then finding a Philadelphia divorce lawyer is not so difficult. Every Philadelphia divorce lawyer before fighting your case makes sure that your marriage can be saved up to the last level bit if there is no hope then divorce is the only answer left. You can find many divorce lawyers in Philadelphia which are known for providing its clients with compassionate, ...
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  • How Filing Bankruptcy Can Help You
    By: Stewart Wrighter | - If you are struggling financially, it might seem like there is no end in sight to your trouble. With a never-ending barrage of bills, late notices and harassing calls from creditors, you might feel as if your world is caving in. A lot of people choose to hide from their problems and ignore the terrible mess that has been created. If this sounds like a good plan, think again. Doing nothing and trying to avoid your financial missteps is eventually going to catch up with you. Instead of ignoring th ...
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  • The Power Of Bankruptcy
    By: Ethan Luke3 | - If in these tenuous economic times, you have found yourself overwhelmed by financial difficulties, you may have heard big promises from companies offering a reprieve from all of your problems and worries. The only problem is, many of them cant deliver. On the other hand, bankruptcy has power that is unmistakable. The only question that has to be addressed is what advantages do the different chapters of bankruptcy have for your situation. Here is a no-nonsense guide to the power of bankruptcy: ...
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  • Charlotte Bankruptcy Attorneys
    By: Local Business | - How Bankruptcy Attorneys Can help you

    As the world's economy has hit a stumbling prevent, many of the citizens trying to seek a legal advice from a good bankruptcy lawyer. For several reasons, most of the residents reach the state when their financial problems have escalated on the danger zone and they have reorganization of their debt or possibly clean slate. A bankruptcy law firm could be hired or appointed by court systems that may help you through the court process.

    ...

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  • Finding A Good Bankruptcy Attorney In Miami
    By: kathleenchester | - According to several reports, the number of bankruptcy filings has seen a dramatic increase in the last one year. On the other hand, lenders too have become more aggressive in pursuing their loans with many trying to force foreclosure instead of exploring loan modification options. Fortunately, existing laws do make it possible for debtors to avert foreclosure proceedings. However, residents of Miami require the services of a good bankruptcy lawyer in Miami to help them through the proceedings.< ...
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  • 5 Important Points To Help You Get The Right Bankruptcy Attorney
    By: Patricia Strasser | - Just as important as the decision to declare bankruptcy is the bankruptcy attorney you select to represent your affairs. The skills of a bankruptcy lawyer lies in his expertise in bankruptcy procedures and relevant laws. The attorney speaks for you in bankruptcy court. When in big cities, your choice of a competitive bankruptcy attorney may prove to be a good investment. Your choice can also significantly influence the course of the bankruptcy procedure and the outcome as well. When you need to ...
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  • Specialized Bankruptcy Lawyer All Bankruptcy
    By: simth lara | - If you have problems with finances and are considering debt consolidation or bankruptcy, you can hire a bankruptcy lawyer. Of course, for those who are in a rut or financial terms of financial ruin, which comes with additional funds to pay for a bankruptcy attorney can be downright impossible. Despite the scarcity of money, it is often better to count it at least consult a bankruptcy attorney before beginning this process. The main purpose of a bankruptcy lawyer is to help an individual or busin ...
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  • Tips To Choose The Right Bankruptcy Lawyer
    By: Edward | - Filing for bankruptcy is a crucial decision, which should be supplemented by the sound advice of an experienced bankruptcy attorney. Hiring a competent bankruptcy lawyer can be likened to a great investment for a better future. In fact the choice of the right bankruptcy lawyer will make a huge difference to the impending outcome. The more competent and experienced the lawyer is, the better are the chances of getting your interests protected.

    Are you searching for a bankruptcy lawyer ...

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  • 5 Things To Keep In Mind When Looking For A Bankruptcy Lawyer In California
    By: Steven Anderson | - California, like all states in the Unites States, has its own regulations when it comes to bankruptcy proceedings. For a correct and unimpeded filing in California, you are always best advised to retain the services of a qualified and experienced California bankruptcy lawyer. With the vast amount of legal services available to consumers nowadays it can be confusing to know where to begin if you are looking for a good California bankruptcy lawyer. In this article we will give you some pointers ...
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  • Cheap Bankruptcy Attorney Fees? Watch Out!
    By: Jim Brown | - Bankruptcy attorney fees are fixed in the sense that bankruptcy court imposes a limit. However, you may be wondering, then why different bankruptcy attorneys charge different amounts. If bankruptcy court caps bankruptcy attorneys' fees, what is the difference between an cheap bankruptcy attorney and everybody else?

    I know some reasons to account for the difference in fees. You need to know that a cheap bankruptcy could mean your getting a bad bankruptcy lawyer.

    First of ...

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  • Phoenix Bankruptcy Lawyer- Do I Need To Hire An Attorney
    By: Christy Thompson | - As a Phoenix Bankruptcy lawyer I know people have the question but are uncomfortable asking it so I thought I would address it here. And that question is Do I need an attorney to file bankruptcy?

    No, you do not. There is so much information on the Internet you can easily prepare your own bankruptcy. There is no requirement and the court does not require that an attorney represent you.

    But, here is the kicker. Should you have an attorney?

    I believe absolute ...

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  • Free Phoenix Bankruptcy Lawyer Advice "€" How Bankruptcy Affects Your Home And Foreclosure
    By: Christy Thompson | - Every Phoenix bankruptcy lawyer hears it and they are often asked about how filing for bankruptcy affects your home and foreclosure. Lets take a look at the question, in the state of Arizona, will filing bankruptcy stop a foreclosure?

    Yes it will stop a foreclosure. In Arizona, foreclosures occur when you havent paid 90 days of your mortgage payments and youve been sent a Notice of Trustee Sale. That will indicate to you that within 90 days of receiving that letter, your ho ...

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  • Tampa Bankruptcy Lawyer Make It Easier To Discover The Best Authorized Resolution To Wipe Out Debts
    By: cain mack | - The Tampa Bankruptcy Lawyer is professionally certified to deal with the legalities of the bankruptcy instances and are skilled as well. This makes it essential for a layman having no experience of banking to approach these attorneys and deal with their bankruptcy cases. The first step in submitting for chapter is to search and discover a good legal professional who is capable of representing your case well. This may be executed by conducting a search on the web which provides you with the names ...
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  • Find The Right Sacramento Bankruptcy Lawyer To Deal With Financial Crisis
    By: Nick P. | - Economic downturn affects big and small enterprise from giant conglomerates to tiny flea shops. It is common that business houses and individuals face hardship and financial obstacles. It is better to seek counsel and relief when you are in no position to pay off your debts. However, the decision to declare bankruptcy can be crucial and may require you to make a timely and sensible move, before you consider filing bankruptcy. If you live in Sacramento, consulting a Sacramento bankruptcy lawyer f ...
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  • Bankruptcy Lawyer: Evaluating Your Options
    By: Andrew Stratton | - The process involved in declaring bankruptcy varies on a few factors, including your liabilities, assets, and whether you will be filing for Chaper 13 or 7. If you have decided to move forward with the process, it is crucial that you take the time to research your options pertaining a bankruptcy lawyer, prior to making a decision. In this article, we will outline the process of finding a quality lawyer to help you through this difficult process.

    Avoid basing your end decision on c ...

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  • How Arizona Bankruptcy Lawyer Can Help You In Times Of Financial Crisis
    By: Archer Gomes | - Are you upset with unmanageable debt? Many people often experience a tough situation when they are just swamped

    with debt they cant pay. May be the situation is out of your hand. The reason may be beyond your control. People

    file bankruptcy when they have no other alternative. Most of the bankruptcy cases are results of job loss, medical

    problem, separation and divorce. At times bankruptcy is even a result of the combination of these problems.
    ...

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  • Bankruptcy Attorney Fees Nowadays Are Ok
    By: Donna Marco | - At intervals the previous couple of years the amount of people facing bankruptcy threats has dramatically grown. In order to save lots of property (land) or business people obtain assistance of bankruptcy attorneys as while not special data people cannot handle the problem themselves. Statistics shows that over 1 million Americans filed bankruptcy cases in 2009.

    Attorneys are categorized by field of their specialization. Bankruptcy attorneys should guarantee correct legal advice, priv ...

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  • The Benefice Of Hiring A Bankruptcy Lawyer
    By: Esther A. | - For fear of losing money, some individual debtors choose to file bankruptcy on their own without realizing that they would have been better off with the help of a Bankruptcy Lawyer. Find out how beneficial a bankruptcy lawyer can be when filing for bankruptcy, and how this professional legal entity could ease all the hassles, which come along with the bankruptcy legal process.


    It is recommended that individual debtors filing for bankruptcy connect with a bankruptcy lawyer. ...

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  • Top Reasons You Need To See A Bankruptcy Lawyer
    By: Jona | - Often times, people believe they can file bankruptcy without the assistance and guidance of a bankruptcy lawyer. However, with all of the new laws in place, this couldnt be further from the truth. Lawyers versed in the laws of bankruptcy, are more important now, than ever before.

    Bankruptcy laws vary from state to state. A bankruptcy lawyer can help guide you through the laws and make the most of your bankruptcy claim. In many instances, a lawyer can help save a great dea ...

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  • Bankruptcy Lawyer Oregon - Bankruptcy Law Rhode Island - Bankruptcy Lawyer South Dakota 194
    By: bankruptcylawdomain | - When you try to choose a bankruptcy lawyer, as with anything you will want to research your options. Louisiana Lawyers is the sister site of New Jersey Business Lawyers. Information about Atlanta bankruptcy lawyers is also available through the county bar association and the state Bar Association, which is a part of the American Bar Association. There was a time when a person could just file simple forms, appear before a judge, and have his financial slate wiped clean. However, certain types o ...
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  • Bankruptcy Lawyer Minnesota - Bankruptcy Law West Virginia - Bankruptcy Law Ohio 194
    By: bankruptcylawdomain | - Referrals are often the best way to find a great lawyer. At present two forms of bankruptcy are available to individuals. However, bankruptcy filings are complicated, and it may be difficult to understand the type of bankruptcy that is most appropriate in a given situation. There are also attorney directories available on the internet which would provide comprehensive information about Atlanta bankruptcy lawyers. So for a bankruptcy case pertaining to Louisiana, a better course would be to hir ...
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  • Bankruptcy Lawyer Kansas - Bankruptcy Lawyer Mississippi - Refinance After Bankruptcy 760
    By: bankruptcylawdomain | - Hiring a lawyer in a bankruptcy case would prove to be very useful at all stages of the bankruptcy process. The truth is that many people forced into this situation are hard working people that have just been unlucky; bankruptcy lawyers know that it is the law surrounding bankruptcy protection that is the only thing there to help them. Filingpersonalbankruptcyhelp.com is a comprehensive resource to get help in Bankruptcy. Although the laws of the state of Louisiana are different from the laws of ...
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  • Bankruptcy Law Rhode Island - Bankruptcy Lawyer Indiana - Bankruptcy Law South Carolina 628
    By: bankruptcylawdomain | - It is important that what they do have is protected from their creditors as much as possible. Liquidation bankruptcy, covered under Chapter 7, involves the wiping out of the debts by selling nonexempt property and using the credits to pay the creditors. Today, just qualifying to file for bankruptcy is a difficult process and, unlike it was in earlier times, all debt is not forgiven. Having decided which lawyer to hire, you should contact the law firm for an appointment, and here too you need t ...
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  • Bankruptcy Lawyer Missouri - Bankruptcy Lawyer Vermont - Bankruptcy Lawyer Illinois 062
    By: bankruptcylawdomain | - Atlanta bankruptcy lawyers are bound by the fee guidelines given by the Atlanta bankruptcy court. It's easy to think, when you are considering filing for bankruptcy, that you have enough financial problems and more debt than you can handle, so hiring an attorney seems to be an expense you can avoid if you just do the work yourself. This is not the problem that it may at first appear as most of the scoring for your credit is taken from the more recent credit transactions. Bankruptcy lawyers shoul ...
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  • Bankruptcy Law Massachusetts - Bankruptcy Law Nevada - Bankruptcy Lawyer New York 358
    By: bankruptcylawdomain | - With these basic peculiarities of the Louisiana state laws in view, the first step in searching for a suitable prospective lawyer is to contact the Lawyer Referral Service. Under Louisiana Bankruptcy Law, the exempted items include IRA savings, which is a great exemption indeed. The answer is to only deal with reputable companies and only take on the credit you know you can comfortably live; always ensure that you pay more than the minimum payment required. A lawyer can help you get the document ...
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  • Bankruptcy Lawyer California - Bankruptcy Law Tennessee - Bankruptcy Law Arkansas 628
    By: bankruptcylawdomain | - Most people that have become bankrupt have done so as a last resort, probably trying all the alternatives. Louisiana Lawyers provides detailed information about Louisiana lawyers, Louisiana probate lawyers, Louisiana real estate lawyers, Louisiana divorce lawyers and more. This is because bankruptcy relief is under federal law, so the information in this context is pretty much the same in all the states. Ohio Lawyers provides detailed information on Ohio Lawyers, Ohio Accident Lawyers, Ohio Real ...
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  • Bankruptcy Lawyer Tennessee - Bankruptcy Lawyer Connecticut - Bankruptcy Law Montana 496
    By: bankruptcylawdomain | - Houston's bankruptcy lawyers can tell you many sad stories of people buried under piled up debt. These fees are similar to those paid to bankruptcy lawyers in other major metropolitan area in the US. Milos Pesic is a Debt Management consultant who runs a highly popular and comprehensive Debt Consolidation web site. With these basic peculiarities of the Louisiana state laws in view, the first step in searching for a suitable prospective lawyer is to contact the Lawyer Referral Service. Suc ...
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  • Bankruptcy Lawyer Pennsylvania - Bankruptcy Law Alabama - Bankruptcy Lawyer Rhode Island 250
    By: bankruptcylawdomain | - Buying a house or arranging an unsecured loan after this short period should not cause you any undue problems even though your bankruptcy will be on your record for 10 years. The declaration of bankruptcy absolves the bankrupt entity or individual from the legal obligation to repay most or all debt. But the snag here is that reputable lawyers refrain from registering with them, as they are already booked by upscale clients who generally do not require referral services. Hiring a lawyer in a ba ...
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  • Bankruptcy Law Rhode Island - Bankruptcy Lawyer South Dakota - Bankruptcy Law Mississippi 194
    By: bankruptcylawdomain | - A lawyer can try to help you keep the most precious items within the boundaries of the law. When you try to choose a bankruptcy lawyer, as with anything you will want to research your options. The fact is that the vast majority of individuals filing for bankruptcy are not wealthy. This belief also makes it easier to get support for legislation that will make it harder for people to become insolvent. To begin the bankruptcy process the debtor has to compile financial status data such as current i ...
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  • Bankruptcy Law - Bankruptcy Lawyer New Hampshire - Bankruptcy Law Iowa 551
    By: bankruptcylawdomain | - Although the laws of the state of Louisiana are different from the laws of the other states, bankruptcy is one area where there are more similarities than differences. Once you ve decided, you should ask your prospective lawyer about his legal qualifications and fees, his telephone charges and whether he answers questions on the telephone, and finally, ask him about his track record. So if you are buried under debt then just contact Houston's best bankruptcy lawyer for further guidance. The ...
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  • Bankruptcy Law North Carolina - Bankruptcy Lawyer Georgia - Bankruptcy Lawyer Minnesota 628
    By: bankruptcylawdomain | - This is not the problem that it may at first appear as most of the scoring for your credit is taken from the more recent credit transactions. Although Louisiana Bankruptcy Laws conform to the federal laws, the time limitations may require the engagement of a lawyer. This is the reason why not long after you have been made bankrupt, a whole host of companies offering credit will start contacting you, but you must be very careful at this time. Your bankruptcy lawyer will tell you to be wary of ...
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  • Bankruptcy Law Oklahoma - Bankruptcy Law Alabama - Bankruptcy Lawyer Colorado 628
    By: bankruptcylawdomain | - If you are trying to work with a few creditors, a lawyer can help you if the collection agencies are harassing you by fielding calls. Friends or family members may be able to recommend a good bankruptcy lawyer. There are also attorney directories available on the internet which would provide comprehensive information about Atlanta bankruptcy lawyers. Your bankruptcy lawyer will tell you to be wary of these offers at this time as many companies specialize in approaching these types of cases and o ...
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  • Why You Should Use A Bankruptcy Lawyer
    By: Jona | - A bankruptcy lawyer is not going to be an option. It is a necessity. If you are planning to file bankruptcy, you need a lawyer. There are basically two bankruptcy options, Chapter 7 and Chapter 13. The differences between the two are great, including using one where you are able to keep your possessions, mainly home and vehicle. With the other, your assets are sold to pay off debtors.

    A Chapter 7 bankruptcy is also considered liquidation because all your property that is not exem ...

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  • Why Your Best Bankruptcy Option Is To Use A Bankruptcy Lawyer
    By: Jona | - If you have done any amount of research at all, you have likely found out that the bankruptcy laws have recently changed, and the change was significant. The bankruptcy laws still vary from state to state, but there are some federal mandates in place now that cannot be ignored, even at the state level.

    The reason for stating this is that a lot of people who are considering filing bankruptcy or even starting the process of bankruptcy are doing it themselves. Believe me, filing ba ...

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  • How A Good Bankruptcy Lawyer Or Bankruptcy Attorney Can Help You
    By: Jona | - Bankruptcy laws are extremely complicated and nearly impossible for the average person to understand. With the new bankruptcy laws that have been recently put into action, the laws have become even more complicated. This is why it is important to hire a bankruptcy lawyer if you are considering filing bankruptcy. He or she can help you choose the right chapter of bankruptcy for you.

    A bankruptcy lawyer specializes in the laws as they pertain to filing bankruptcy. However, not ...

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  • What To Consider When Choosing Your Bankruptcy Lawyer
    By: Jona | - If you have gotten to the unfortunate point of needing to file for bankruptcy, this is clearly not a decision you reached quickly or without giving it a lot of thought. You need to realize that filing bankruptcy is going to be with you for a long time, and will be represented in vivid notation on your credit report for the next 7 to 10 years. Hopefully you have considered all possible alternatives to filing bankruptcy.

    Assuming you have already done that, there is the huge quest ...

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  • How To Find A Nh Bankruptcy Lawyer
    By: Ian Koch | - No matter where you come from; NH, NV or CA you may need a bankruptcy lawyer. Any time in their life even the richest man or woman can become bankrupt. We have seen lots of examples of it and you might as; if they can why can't I? Many people in this situation feel embarrassed and do not want other people to know about it.

    I'll tell you one thing: Don't be embarrassed; if you have no other option file your bankruptcy and get move forward, you life is too valuable to make your ...

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