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March 2017 Archives

Don't underestimate the emotional impact of an amputation

Nearly every industry comes with its share of work-related hazards, but some industries see many more serious and life-changing injuries than most. Each year, numerous workers lose limbs due to their injuries. An amputation could result from injuries such as the following:

Recent court ruling sides with mortgage lenders

Residents of Kentucky who are considering filing for chapter 13 protection should be aware of a recent ruling by the United States Court of Appeals for the Fourth Circuit. Typically, a chapter 13 debtor is prohibited from modifying a lender's claim that is only secured by his or her primary residence. In the recent decision, the Fourth Circuit ruled that a lender's additional interest was supplementary to the lender's lien on the borrower's residence and did not qualify as additional collateral that would give someone the leeway to modify the loan under chapter 13.

Another man's dog might be his best friend, but not yours

Dogs are typically loyal and protective of their owners, and that can also make them extremely dangerous. The problem is that you never know when a dog feels you are threatening its owner, and it might attack you without provocation. Thousands of people in Kentucky and other states suffer animal bites every year, and dog bites are the most prevalent of these attacks.

Auto loan cramdowns and bankruptcy

Kentucky residents who have substantial debts and are considering filing for Chapter 13 bankruptcy should know that if they enter the bankruptcy with a negative equity in a vehicle they have financed, they may be eligible for a loan cramdown. For those debtors who meet certain requirements, they may be able to save money on their auto loan. However, this applies only for a Chapter 13 bankruptcy. A loan cramdown is not an option for Chapter 7 bankruptcy filers.

Eye safety in the workplace

Kentucky workers who are in occupations in which there might be abrasive or corrosive materials or flying objects may be in danger of an eye injury. However, there are a number of steps they and their employers can take in the workplace to help protect their eyes. Prevent Blindness is an organization that focuses on eye safety, and it has several suggestions. It considers protective equipment to be not a first line of defense but the last. Workers should first ensure that the area is free of hazards. They should also use work screens, machine guarding and other devices for protection.

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