August 27, 2019 – – Crestview, FL. – Lewis and Jurnovoy, P.A., a bankruptcy law firm in Crestview, has provided a basic guide to understanding Chapter 7 bankruptcy. Bankruptcy is a difficult subject, and for those considering filing, it can be even more daunting. Lewis & Jurnovoy, P.A. want their clients and community to be as informed as possible, so they have introduced some helpful tips to educate their clients.

First, people must have a full understanding of what Chapter 7 bankruptcy means. Chapter 7 bankruptcy relieves a debtor from all qualifying debts without repayment. A court will determine what, if any, assets are needed to pay creditors.

The bankruptcy lawyers in Crestview are frequently asked what debts are forgiven under Chapter 7. A common misconception about filing for bankruptcy is that all debts are canceled. However, there are certain debts such as taxes or loans that will not be forgiven. If there are special circumstances regarding those debts, they can be forgiven.

Another misconception about Chapter 7 bankruptcy is that all a debtor’s assets will be repossessed to pay creditors. That is also not the case. The State of Florida has specific exemptions for personal property that cannot be repossessed. These exemptions include assets such as cars, homes, Social Security, and personal property. Consulting with an attorney can help clients understand what assets they will get to keep.

Lewis & Jurnovoy, P.A. have already helped many clients file for bankruptcy. They educate their clients and strive to obtain the best outcome for them. Linda B., a client of Lewis and Jurnovoy, had this to say about working with them: “They took care of entire process with great proficiency. They were extremely thorough and easily accessible, always answering any questions I had I had in a very timely manner.”

Bankruptcy is an extremely difficult decision to make and should be done with the help of legal advice. For those considering filing for Chapter 7 Bankruptcy, please call Lewis & Jurnovoy, P.A. at (850) 409-3350, or visit their website www.lewisandjurnovoy.com.

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For more information about Lewis & Jurnovoy, PA- Crestview, contact the company here:

Lewis & Jurnovoy, PA- Crestview
Steven D. Jurnovoy and Martin S. Lewis
(850) 409-3350
bankruptcylawyers.crestview@gmail.com
1501 S. Ferdon Dr. Crestview, FL 32536

ReleaseID: 60030563

August 27, 2019 – – Ex-Korn Guitarist Wesley Geer forms music group to help people discover clean and sober fun.

Anaheim, California – Rock music, rock stars, and rock concerts are often identified with drugs and alcohol but at the Lighthouse Treatment Center, an addiction recovery facility in Anaheim, CA, rock music becomes a tool to help people discover clean and sober fun.

Once a week, the music group Rock to Recovery comes to the Lighthouse to teach residents how to write and record songs, sing together, and play instruments. The lively and innovative music therapy program has always been a highlight for many of the Lighthouse residents.

Lighthouse alumni Jose Juarez shared that he would always look forward to the Rock to Recovery sessions when he was still a resident at the Lighthouse, “As a former client, I always looked forward to the Rock to Recovery groups every Wednesday. Learning how to play instruments and creating music while in treatment was so fun.”

Rock to Recovery is a group composed of professional musicians that was created to help soothe people who are undergoing recovery treatment through music. According to founder Wesley Geer, founding member of the rock band Hed PE and former guitarist for the legendary band Korn, he realized that music could be a powerful tool within the recovery community. Being engaged in music can help people get through their emotions, improve their self-esteem, reduce cravings, and develop a sense of belonging.

According to Shane Barrios, a staff from the Lighthouse, the musical program is a reminder that people in recovery can still be fun, crazy, and wild while staying clean and sober. “It is an atmosphere that breeds amazing memories of fun and laughter in recovery, while creating a bond between men and women that cannot be replaced,” Barrios said.

Aside from conducting weekly sessions, Rock to Recovery also holds an annual benefit concert that aims to extend the reach of the program. This year’s sold-out event was held last August 24 at Fonda Theatre in Los Angeles, CA and was attended by Lighthouse residents and alumni. All proceeds from the fundraiser will go towards funding services that help people suffering from addiction.

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For more information about Lighthouse Treatment Center, contact the company here:

Lighthouse Treatment Center
Amber Peck
(949) 244-4606
apeck@lighthousetreatment.com
1310 W Pearl St
Anaheim, CA 92801
(866) 811-3656

ReleaseID: 60030553

August 27, 2019 – – Panama City Beach, FL. – Panama City Beach bankruptcy attorneys Martin Lewis and Steven Jurnovoy of Lewis & Jurnovoy, P.A. have created a short guide to understanding Chapter 7 bankruptcy. They hope to inform as many people as possible as to what filing under Chapter 7 bankruptcy is about.

First, Chapter 7 bankruptcy, also known as “Straight Bankruptcy”, is a way for individuals to be freed from most of their debts without repaying their creditors. Some assets that the debtor owns will be repossessed to pay creditors.

The bankruptcy lawyers in Panama City are often asked what debts will not be forgiven. According to Florida law, there are a handful of debts that, unless in extremely special circumstances, will still have to be repaid. For example, child support, student loans, and taxes are common debts that will not be forgiven.

Another question commonly asked is what assets will be taken as repayment to creditors. Lewis & Jurnovoy, P.A. explain that under Florida’s bankruptcy laws, each debtor has exempt property that will not be reclaimed. Exemptions are protected assets that cannot be taken from the debtor. Common exemptions are personal property, homes, Social Security benefits, and cars. Each case is unique, so be sure to consult a bankruptcy lawyer to find out what assets won’t be taken.

The team at Lewis and Jurnovoy has worked exceptionally hard to provide helpful tips to their community. They are dedicated to keeping their clients informed about bankruptcy and how it will affect their case. Both Martin Lewis and Steven Jurnovoy host a television program that answers questions regarding bankruptcy.

Former clients of the Panama City Beach bankruptcy law firm have no doubt benefitted from their dedication to succeed. Jen P. gave her appreciation to the firm by saying she, “highly recommends Mr. Lewis and Mr. Jurnovoy. I really appreciate how they helped me through the whole process as well as their compassion for my situation.”

To find out more about Lewis and Jurnovoy, call them today at (850) 913-9110 or visit their website www.lewisandjurnovoy.com.

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For more information about Lewis & Jurnovoy, PA – PCB, contact the company here:

Lewis & Jurnovoy, PA – PCB
Steven Jurnovoy
(850) 913-9110
bankruptcylawyers.pcb@gmail.com
1004 Jenks Avenue
Panama City, FL 32401

ReleaseID: 60030566

August 27, 2019 – – Environmental cues have an impact on addiction. It also has an influence on a person’s learning and memory. There is no doubt that addiction has psychological effects, and it can, therefore, affect a person on a cognitive level, especially those with severe addiction and drug dependence.

Learning more about the interactions between addictive substances and the brain can help enhance the process of recovering from addiction.

For example, a person’s surroundings can trigger certain memories associated with addiction and substance abuse. Visiting the same neighborhood where a person used to drink could make them want to drink. Walking down the same street a person used to smoke on can trigger memories that could make them want to light up. The sight of a smoking area may trigger smoking, which in turn, can make a person who smokes feel good temporarily.

So this means the environment can, in some cases, contribute to relapse. This is interesting because many people associate their surroundings with the development stage of their addiction. A person who grew up with parents who didn’t moderate their own drinking habits is more likely to do the same.

Memories can also trigger a relapse. When a person enters a restaurant, exposure to food boosts their appetite, even if they are already full. This is similar to how addiction causes reward pathways to be triggered when coming into contact with familiar sensations, memories, and experiences.

This emphasizes the importance of inpatient treatment for those with severe addiction. A focused program that puts a patient in an entirely new environment can be beneficial. It can help them overcome their addiction and get sober again.

Behavioral therapy also plays an important role, because it teaches new coping mechanisms, and changes the patient’s mindset about their addiction. This means they will be better equipped when facing their triggers in the real world once they step out of the rehab facility.

When a person is addicted, such environmental cues trigger reward pathways. This is what makes it very hard to resist cravings. These pathways also involve the release of dopamine, a neurotransmitter that is associated with pleasurable activities. This feel-good sensation is what makes certain substances so addictive in the first place. It is also the reason why certain drugs have a high risk of abuse, despite having medical benefits.

Dopamine, however, also plays a crucial role in learning and motivation. Older studies have shown that the absence of dopamine causes mice to have learning difficulties. It also made it more difficult for them to remember new things.

An addicted individual will often be overexcited by excessive dopamine, and this could have adverse effects on the learning process as well as memories. Click the link to see Binghamton’s top rehab placement programs.

Studies have shown that addiction-related environmental cues activate brain areas associated with emotional processing. These cues also activate brain areas that are in charge of the response to stimuli. Previous studies have demonstrated that cocaine and nicotine can enhance long term memory formation.

While the memory-strengthening effects of addiction can make it harder to recover from the condition, researchers are interested in digging deeper so that they could understand how to tweak cognitive behavioral therapy and make them more effective.

If someone in the family is struggling with opioid addiction, it is important to seek help. A combination of medical detox and behavioral therapy can go a long way in the fight against drug abuse. But because every individual is affected by addiction differently, a comprehensive program tailored to their specific needs is necessary. Look for a nearby addiction treatment facility today and find out how drug treatment programs work.

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For more information about Rehab Near Me: Binghamton, contact the company here:

Rehab Near Me: Binghamton
607-203-9604

ReleaseID: 60030506

August 27, 2019 – – Fresh Start Home Sales, a real estate company, recently announced the launch of a new rent to own home program in Gwinnett County, Georgia, available to all local residents who meet the company’s minimum requirements. Through this initiative, the company seeks to offer the community an opportunity to acquire properties in some of the most coveted areas in the region. More information on this is available at the following link: https://sites.google.com/view/renttoownhomesgeorgia/home.

Fresh Start Home Sales states that their rent to own program was started in response to the hardships they noticed their community going through while trying to purchase a home. They claim that, despite the fact that residents overcame many other challenges to purchase a property, there were certain setbacks that derailed plans enough to make a purchase unlikely in the near future. The company’s rent to own program was then offered as a means to bypass such issues, giving individuals with a tainted credit score and a median income an opportunity to purchase the home of their dreams.

Fitz Thompson, a representative of Fresh Start Home Sales, says, “In an era where there are not a lot of opportunities to acquire a property, we provide Gwinnett County residents a unique opportunity to acquire real estate. We have different options available to fit all kinds of needs that our clients may have, in a variety of neighbourhoods located in some of the nicest areas of the county. This is a solution that addresses all of the common issues that homebuyers tend to encounter, and we hope to help many people through this program.”

They offer potential new homeowners the opportunity to begin their rent to own program with a credit score as low as 585, and a combined household income of $75,000, which is much more accessible to individuals than a given bank’s requirements for many home mortgage loans.

The company explains that their clients will get to rent the home of their dreams, with the exclusive right to buy from them at any given time, for up to five years. During this period, the house’s tenants will have the opportunity to familiarize themselves with the neighbourhood and get to know the area that the house is located in, facilitating their purchase decision when the time comes. Additionally, this will also give them enough time to improve their credit score by a sizeable degree and increase their down payment. More information on the opportunities offered by Fresh Start Home Sales can be found at the following link: https://docs.google.com/spreadsheets/d/e/2PACX-1vQzuPEq5oEfP7Ux7seGizo6OUc3SrHRbgKyrYPiV4xfnMjLKXYJ4A6Z5heqxS3DIRzyRYcXMopzLRC-/pubhtml.

“Once our program’s time period has passed, our clients will be more qualified than before to get a home loan, to purchase the home they have been living in for the past couple of years,” affirms Thompson. He adds, “There will be no more moving from rental to rental at the end of every contract, and no more new neighbourhood or commutes to get accustomed to. You’ll finally be living in your own home, where you can settle down and start creating lasting memories in a neighbourhood your family will be proud to live in.”

Renting to own properties has been proven to be a greater help to the individuals that participate in the program than any other avenue they may have pursued, as most of the program’s participants find their ideal homes by the end of the program. It is due to this that renting to own is fast becoming the preferred choice for home buyers in the real estate market.

Interested parties may make further inquiries about the rent to own program offered by Fresh Start Home Sales by contacting Fitz Thompson. They may also connect with the company by following them on their official social media platforms. Furthermore, the online news website Digital Journal has recently published a press release on this program, which the company invites members of the community to read through at the following link: http://www.digitaljournal.com/pr/4169496.

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For more information about Fresh Start Home Sales, contact the company here:

Fresh Start Home Sales
Fitz Thompson
6783371165
fitz@freshstarthomesales.com

ReleaseID: 60030410

August 27, 2019 – – Pensacola, FL. – Pensacola bankruptcy law firm Lewis & Jurnovoy, P.A. has recently given a comprehensive guide to Chapter 7 bankruptcy. For those considering filing for bankruptcy under Chapter 7, this guide can use the expert knowledge of Lewis & Jurnovoy, P.A. to aid in that decision.

As explained by the bankruptcy law firm in Pensacola, Chapter 7 essentially cancels most debts with the collection of nonexempt assets. In other words, a debtor is completely relieved from their debts without having to repay them. Certain assets that are not protected by Florida bankruptcy law will be repossessed as payment to creditors.

Lewis and Jurnovoy are frequently asked by debtors if they will lose all their possessions when they file for bankruptcy. However, there are state-defined exemptions for car, home, and personal property that will not be repossessed. Often in family cases, all assets will be exempt. It’s important to consult a bankruptcy attorney before filing to be aware of what assets will be exempt.

There are several debts that a debtor will not be released from under Chapter 7. First, taxes are rarely exempt, especially ones that were due within the past three years. Second, student loans are not releasable either. Last, child support or other alimony debts are still required by the debtor to be paid.

Clients have greatly benefitted from the bankruptcy lawyers in Pensacola. “I used Lewis and Jurnovoy for my bankruptcy, extremely happy and pleased that I did,” states Pamela B., a client of Lewis and Jurnovoy. “I have never had the experience where an attorney and their staff were extremely helpful and knowledgeable in this difficult time in my life. Mr. Lewis was the extreme gentlemen while we were in court, he stood with me the whole time and let me know that everything was going to be ok. I would recommend Lewis and Jurnovoy to anyone that is having financial troubles.”

For more information about Chapter 7 bankruptcy, please call Lewis & Jurnovoy, P.A. at (850) 432-9110, or visit their website at www.lewisandjurnovoy.com.

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For more information about Lewis & Jurnovoy, PA, contact the company here:

Lewis & Jurnovoy, PA
Martin Lewis
(850) 432-9110
bankruptcylawyers.pcola@gmail.com
1100 North Palafox St
Pensacola, FL 32501

ReleaseID: 60030567

August 27, 2019 – – M/I Homes have been building new homes for over 40s years. Founder Irving & Melvin Schottenstein started their journey in the new home construction in 1976. Their first success in the real estate industry started from building thousands of apartment complexes. They were the pioneer developers of one of Central Ohio’s first golf course communities in Ohio. M/I Homes was founded in Columbus, Ohio by two cousins Melvin and Irving Schottenstein. By 1979 M/I Homes became Central Ohio’s #1 new home builder.

To set them apart from everyone else, they stuck to their core values by treating every client like family. They continue to focus on quality, features, and benefits on every home they have built. Their first year they sold 96 homes. These core values have allowed them to thrive and expand nationally throughout the United States in 12 markets.

Although Mr. Schottenstien is no longer here today, his love and passion still remain throughout the company. M/I Homes are known for their spacious open floor plan, natural lighting due to large and window placement, attention to detail, and stylish and modern look.

M/I Homes are currently building in Sunnyvale, Colleyville, Garland, Celina, Frisco, Prosper, and McKinney. Their price points range from the $200,00’s up to the $1,000,000’s. Those who are interested in finding out more information on homes in the Dallas Ft. Worth area, please click here to see the neighborhoods where M/I Homes are building today.

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For more information about Builder Hot Spots, contact the company here:

Builder Hot Spots
Cat Nguyen
972-515-2111
info@builderhotspots.com
Builder Hot Spots
6860 Dallas Pkwy Ste 291, Plano, TX 75024

ReleaseID: 60030547

August 27, 2019 – – Bowling Green, KY. – A local auto accident lawyer in Kentucky, Mike Breen, Attorney at Law, P.S.C. has provided a few tips on how to deal with insurance companies. Filing an insurance claim can be a difficult and stressful process. Mike Breen has provided a few steps to take to ensure a client’s claim isn’t undervalued.

The first thing clients need to be aware of are the insurance companies’ vast resources. They have highly trained lawyers and other personnel that will scan every detail of a claim to lower a policy holder’s damages. “During my nearly 30 years of experience, I have learned how insurance companies evaluate claims,” says attorney Mike Breen, “…and many of the tricks they use to try and pay less than they owe to people who have been hurt or injured.”

The Bowling Green personal injury lawyer also advises notifying the insurance agent about the incident immediately after it occurs, regardless of who is at fault. In addition, don’t accept any pre-settlements, otherwise known as “first call settlements”. This is a tactic used by insurance companies to entice victims to settle for thousands of dollars less than they deserve.

Another important tip is to document everything with pictures, receipts, or other documentation. It’s much harder to justify a claim without physical proof. Take photos of injuries from the incident until it’s completely healed. Keep hospital bills, receipts from prescription pills, and even gas receipts to and from hospital visits.

Mike Breen, Attorney at Law, P.S.C. has positively impacted many people because of his dedication to informing them. “Mike Breen is the most intelligent, detail oriented, dedicated attorney that I have ever had the pleasure to know and work with.” States client Jeff B., who was beyond happy with his experience with the attorney. “He handled my case above and beyond all expectations. He and his staff are top notch and I would not hesitate to recommend his firm to handle any important matter. They truly care about their clients.”

For more information about Mike Breen, Attorney at Law, P.S.C. or to obtain his services, call (270) 782-3030 or visit his website at www.mikebreen.com.

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For more information about Mike Breen Attorney at Law, contact the company here:

Mike Breen Attorney at Law
Mike Breen
(270) 782-3030
bowlinggreenkymike@gmail.com
870 Fairview Ave #5 Bowling Green, KY 42101

ReleaseID: 60030568

August 27, 2019 – – Waddell, AZ based FMS Online Marketing is reaching out to health clubs and spas across Phoenix, Arizona to help them understand the untapped potential of Search Engine Optimization. A veteran firm that specializes in Arizona Small Business SEO, FMS is keen to illustrate how SEO can be used to generate more business.

Matt Deloff of FMS Online Marketing states, “Through the work we do with clients who have yet to become familiar with its capabilities, we’ve noticed that many health club businesses in Arizona take almost no advantage of Search Engine Optimization. Any existing optimization is usually only established by accident the first time the business sets up their website. If your business is in Phoenix, there is a lot more that you can do to catch the eye of prospective individuals, and our experience and expertise can help translate those prospects into brand new customers.”

Without careful and precisely applied SEO, Deloff notes, a health club has little chance of earning a high ranking in search engine results. This means that any customer looking for health clubs in the area is more likely to find another business, especially if they had already invested in SEO themselves. Given that the influx of new customers can be as vital to a business’ success as maintaining an existing base of clients, most health club businesses do not have the luxury of overlooking either their online presence or their search engine optimization. Learn more here: SEO Phoenix AZ.

Deloff continues, “It is relatively easy to find the right keywords you need to optimize your website with. The true difficulty lies in bringing together a variety of SEO techniques that work together effectively to push your website to the top of Search Engine Results Pages (SERPs).” He explains that any health club manager can find or guess a variety of relevant keywords on their own, but it takes experience and ongoing testing to find out which elements work best in concert. This is further complicated by the fact that SEO is not relegated to keywords alone. The business’ website has to be optimized in terms of content, meta tags, schema markup, and also from a technical point of view. “Furthermore,” he advises, “since you are running a local business, you should place an emphasis on local SEO.”

For instance, he states that, “Action plans for local SEO involve setting up a complete Google My Business (GMB) listing, creating a handful of NAP-consistent business profiles on reputable directories, and encouraging happy customers to leave positive reviews. Other than that, it’s always a good idea to do some link building and to get the word out about your business in general.”

FMS’ clients frequently see the benefits of the company’s involvement in their business, and are quick to praise the company in their reviews. Chris G., one of these clients, says, “We had worked with a couple of the larger SEO companies and had seen zero response or improvement. It was reaching a point where I thought they were all corrupt, knowing most of us find SEO to be a foreign language we wouldn’t dare try to learn. Then, we met FMS. Matt understood our frustration and explained why this is the common result with so many SEO companies. He put a specific plan into action and, within no time, we were getting calls. If you searched for anything related and relevant to our business, there we were at the top of page 1, without paying Google or Bing for ad placement.”

The client continues, “FMS never rests on their laurels and continues to look for ways to get their clients the best results in the digital realm, a vital place for most businesses to be at the top of the page. We are forever grateful for what FMS has done for our business and would never leave them.”

Deloff states, “FMS Online Marketing is one of the top local SEO agencies in Arizona. With our innovative techniques and over 11 years of experience, we know what it takes to get small businesses in front of their potential customers on a consistent basis. Whether you need help within the search engines, local map pack, or on social media, our ‘outside the box methods’ will do exactly that. We have an A+ rating with the Arizona BBB and a perfect 5-Star rating with Google. Let an experienced digital marketing agency help your business go to the top.”

Those who wish to learn more about the agency or Facebook advertising for small business may contact Matt Deloff of FMS Online Marketing. Furthermore, interested parties may connect with FMS by filling in the contact form on their website or by following the company on their social media platforms.

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For more information about FMS Online Marketing, contact the company here:

FMS Online Marketing
Matt Deloff
6236871673
matt@fmsonlinemarketing.com
FMS Online Marketing
18004 W Lawrence Ln
Waddell,AZ 85355

ReleaseID: 60030275

August 27, 2019 – – Pensacola, FL. – A Pensacola family lawyer, Craig A. Vigodsky, celebrates over 20 years as a lawyer. Vigodsky’s hard work and dedication to his profession has benefited the Pensacola community immensely.

Craig Vigodsky graduated with a degree in Business Administration from the University of Florida Gainesville in 1991. Afterward, he obtained his MBA from The George Washington University in 1995. After graduating from the Cumberland School of Law, Vigodsky passed his bar admittance and became a lawyer in 1998.

Craig Vigodsky began his practice shortly after the start of his career and has been practicing law ever since. He specializes in family law, criminal defense, and domestic violence cases. Vigodsky also volunteers his time at Escambia County Pro Se Clinic, where he gives free legal advice regarding family law.

Although Mr. Vigodsky has an outstanding track record for court trials, he is also exceptional in dealing with out of court negotiations. He is a certified mediator, which equips him to help clients resolve disputes without a judge, saving both parties time and money.

The family law office in Pensacola has received countless exceptional reviews from his clients over the year. Brian O., a recent client of Mr. Vigodsky, had this to says he is an “amazing family attorney! He helped me through mediation with my daughter and was the main reason we were able to get our conditions without having to get the judge involved. I can’t ever thank him enough!”

Since he began as a lawyer, Craig Vigodsky has continually shown supreme care and respect for all his clients. Anyone seeking an attorney specializing in family law may contact the office of Craig A. Vigodsky, P.A. at (850) 912-8520 or visit www.pensacolalawoffice.com.

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For more information about Craig Vigodsky, P.A., contact the company here:

Craig Vigodsky, P.A.
Craig Vigodsky
(850) 912-8520
221 W Cervantes St, Pensacola, FL 32501

ReleaseID: 60030561