Research suggests that Americans are currently drowning in debt that exceeds any level in postwar history. Most families in Ohio and across the nation have taken on a mix of financial obligations that might include a mortgage, auto loans, student loans, credit cards and medical debt. For many, the total amount of money owed far exceeds the amount of money coming into the home. Fortunately, there are options available to help in eliminating your debts.
Shopping for life insurance is something that Ohio residents do to ensure that their loved ones are taken care of after they are gone. What many do not know is that there are life insurance options that can benefit an individual during his or her lifetime as well as provide benefits to loved ones when the time comes. If an individual is challenged with incapacity, having this coverage can make a world of difference in how care will be provided.
However, if the crime were relatively minor or committed when the defendant was young and he or she has had no further criminal activity, it may make sense for the law to allow that kind of person's criminal past to be erased, so to speak.
Criminal conviction can have a significant impact on everyday life. Not only is there the public stigma of being branded an offender, there are also the hurdles conviction can present for employment, housing and licensing. One of the remedies that may be available is expungement.
Many people, particularly those who live "paycheck to paycheck," can find themselves in a financial bind if an emergency arises like an unforeseen medical bill or a vehicle, auto or home repair. Sometimes, the money to pay for these unexpected expenses simply isn't available, so, lacking credit to get a traditional bank loan, they'll turn to unscrupulous sources like payday lenders.
Financial problems often go hand in hand with other marital issues. The stress of unmanageable debt on top of relationship problems can push some couples over the top. When both marital and financial issues reach crisis levels, a couple or an individual spouse may consider whether bankruptcy should be on the table in addition to ending the marriage.
A case currently up on appeal to the U.S. Supreme Court may change how we think about the answer to this question. Last week, the U.S. Supreme Court heard oral arguments that posed the question of whether states could criminalize the refusal to submit to alcohol testing when police don't have a search warrant.