Celebrate Holidays with ChallengeCoins4Less.com Custom Challenge Coins

Challenge coins have gone a long way since its time in the military. Today, you can customize and use them in different ways. With wide imagination and a little bit of creativity, you can even use them to celebrate the holidays. Here is how.

New Year’s Eve

New Year’s Eve is usually the time to make resolutions for self-improvement. People make promises to live a better life. However, most people find it hard to keep with their resolutions.

military-coinWith that said, we at ChallengeCoins4Less.com challenge you to stick with your resolutions through custom challenge coins. By simply owning these coins, you will have a stronger mindset to stick with the promises you made. You can also challenge your families and friends to do the same. Moreover, the challenge can get more effective if you set consequences that can drive everyone to do their best.

Valentine’s Day

If Valentine’s Day is near, and you are looking for a special item for your special someone, then the offset print custom coin from ChallengeCoins4Less.com may just be of help.

The offset print allows photographs to be featured on custom coins. With this, you can print a photo of you and your special someone together, which makes a fine Valentine gift. In addition, you may also customize the coin based on the style you want. There are various customization options that you can do to achieve a one-of-a-kind coin, such as the finishing, shapes, color and more.

Easter Sunday

challenge-coinsEaster egg hunt is a popular way to celebrate Easter Sunday. In this activity, participants, especially children, search for hidden eggs. You can either hard-boil the egg, or make it out of synthetic materials.

However, this activity is not only a game for children. It can also be a good marketing opportunity for your company. While conducting an Easter egg hunt, custom coins engraved with the company branding can be inserted in synthetic eggs. When found, participants may keep the coins to commemorate the experience, thus promoting the company, which organized the event.

St. Patrick’s Day

St. Patrick’s Day celebrates the life and deeds of St. Patrick, a patron saint in Ireland. What better way to celebrate this occasion than to dress up as the Leprechaun, sharing gold – or custom coins rather – from your pot to everyone.

You can engrave the shamrock on your custom coins to get in the St. Patrick’s Day spirit even more. The shamrock is a clover leaf and is the symbol of the Holy Trinity. You can even color the coins green, which is another symbol of the occasion.

Independence Day

Families often celebrate Independence Day with picnics and barbecues. This is one of their ways to stress their political freedom. This is also the time for hotdog eating contests and sporting events.

While families participate in such amusing competitions, why not spice it up with exciting prizes such as our custom coins from ChallengeCoins4Less.com? A customized coin engraved with the Statue of Liberty or the flag will not only symbolize patriotism, but will also serve as a valuable memento of the fun day you had with your family.


During the Halloween, the neighborhood turns into a spooky village, coupled with children in costume playing trick-or-treat. These kids visit homes to ask for sweets, snacks or gifts. Aside from giving them these traditional treats, you may also give them the custom coins for a change.

Custom coins are fun alternatives to the traditional treats given during the Halloween. You can customize them to fit the occasion, giving a different joy to your neighborhood kids. They can then play with them, or collect each coin every year. To make a worthy collection, you may engrave different mythical monster designs like Frankenstein, Dracula and many more.


Thanksgiving is the time of the year when people express their gratitude for a bountiful harvest. While families gather for a special meal, and parades are held in some places, other people prefer to donate to the less fortunate as a way to give back.

Giving out custom coins is a great way to drive people to donate food for the less fortunate. You can give them coins in exchange of their donation. You can also sell these coins to raise funds for the charity event you are hosting. Hence, ChallengeCoins4Less.com custom coins can be useful in giving back during Thanksgiving.


Most people look forward to the Christmas season. Aside from the long holiday break, this is also the time to be with your loved ones and celebrate the occasion together.

One way families and friends celebrate the holiday is through exchanging gifts. For a change this year, scrap your traditional gift ideas and give custom coins this Christmas. Custom coins can be special gifts to anyone. You can customize them in many ways, giving the recipient a great sense of uniqueness. Furthermore, these coins can be the answer to spice up boring gift ideas this holiday.

Celebrating the holidays does not need to be boring. With custom challenge coins, you can turn a dull holiday into a fun and memorable one.

We at ChallengeCoins4Less.com will be glad to help with all your custom coin needs.

Top Quality Movable Containers

If you are looking for a temporary compartment unit for your equipment, then a portable storage container or a mobile office, then note that Moveable Container Storage (MCS) is a leading supplier for all your storage needs.

We are the principal seller of ISO CONEX. Our products are perfect for both commercial and residential use. Whether you are opting for a storage solution for your equipment, a welding shop, mobile generators or a warehouse space, you have a guarantee that we can help you.

For residential and commercial establishments that need that extra storage space, our movable containers are efficient, time saving and cost effective. Note that a highly durable movable container is the key to expanding your storage space.

Storage containers

We, at www.moveablecontainer.com, understand every customer’s needs. We offer top quality residential and commercial storage solutions and services. We believe that our customers have different requirements; hence, our containers are designed to fit your exact preference. Our containers are intended to give our customers the most out of a container space, which is why it is designed for space optimization. We deliver your desired containers in the place you want, on the time you want.

Why are moveable containers so important?

Everybody desires to settle in a place where it fits exactly to their needs. Moveable containers save you time in shifting your properties and belongings. More than giving you that extra loading space for your belongings, moveable containers aids in easy transportation. You don’t have to go back to that time when packing means stocking one box after the other and calling in the truck to relocate. Gone are the cartons that do not really hold your things in place. We can prevent you from exerting too much effort, since we can help solve all your moving and storage problems.

Movable ContainersIn choosing the best movable container, quality and security should never be compromised. It should stand wear and tear. We can provide you with a steel, weather resistant container, which guarantees that your goods, products, and materials are safe. Our containers are painted and are water and wind resistant. They are made with 12 gauge corrugated steel with reinforced base. It also offers a highly secured lock box affixed on its doors. Each container is equipped with vents for good cross ventilation.

To secure that the base of our containers is safe; our containers have 1 and 1/4 inches marine wood plank flooring which is ideal for movable.

We offer various container sizes to suit your requirements. Each size corresponds to an approximate weight as per below:

• 20 ft – 4850lbs

• 40 ft – 8200 lbs

• 40ft high cube – 8600 lbs

• 45 ft – 10,350 lbs

You can check the detailed specification of our storage container on our website, www.moveablecontainer.com.

We also let you choose between rentals and purchases, depending on your needs. We do not offer rent to own containers, but in case you decide to purchase a rented container, you can do so. Our delivery is around 3-4 working days after your order has been confirmed. A delivery fee, pick up fee and one month advance rent are to be paid up front.

Delivering our containers is done with ease. Because our containers are ground level and are sitting on a 6 inch undercarriage, there is no need for a forklift or a ramp. We use a tilt-back truck, which ensures a faster and more effortless delivery.

Portable Storage containers

We value our clients so we make sure we only give them top quality containers. We also make sure that we provide them with competitive prices. For customers who think they need the containers for a short period of time, we offer them the option to rent. This is ideal if you are thinking of remodeling your house.

You can also visit www.moveablecontainer.com to request for quotation or to gather more information about what we offer. You can also use our site to contact us and raise any questions you have.

Types Of Golf Bags

When you are choosing among the many styles and designs of the golf bags available in the market today, you might have to think beyond the number of clubs and the equipment you’re going to place inside them.

Golf ProductsOther considerations include factors like the material used for the bag. Modern bags are usually made of leather, nylon or canvas fabric reinforced by plastic or metal framing. But throughout its history, other materials have already been used for it. Take some really old ones, for example, which were made from a male elephant’s private parts. The pockets where you can keep your other equipment are also important. But if you’re going to get a 12/14-club bag anyway, why not choose one with pockets for other things like balls and tees?

Nearly all types of bags have sectioned main compartments for the clubs. Usually, it is grouped depending on the type, but there are more expensive golf bags that feature separate compartments for each club to prevent difficulties on pulling and returning the club due to the others’ grips.

There are types of golf bags that you might want to consider. Some players have two or more types to enable them to change carriers depending on the situation. Here rockbottomgolf, you can get different type of golf bags.

Here Are The Major Types Of The Bags Widely Marketed Today:

Travel Bags

Golf BagsWith many available sizes and features, these are often identifiable by their secure and closed feature. It is characterized by the rigid construction and the heavy padding, as well as the club head covers (which are available in padded and non-padded forms), the bag cover and the locks on its zippers. Offering protection from abuse, weather and theft, these are often used for securing the equipment as they are carried around as part of your luggage. Business executives, amateur players, and others who play golf purely for leisure often carry these golf bags around during their travels. Professional players often prefer specially-made flight cases that can enclose the entire golf bag. Since these would only look like over sized luggage, they are doubly effective in deterring thieves.

Cart Bags

Usually attachable to a two-wheel pull cart or can be strapped on a motor golf cart during a game. They often have extra storage and are more durable, but feature a basic strap for loading and transportation.

Staff Bags

Golf ClubThe largest of the golf bags available, they are often seen carried by caddies and assistants for high-level or professional golfers. Larger or the same size as the bigger cart bags, they have straps for carrying around on the shoulder or back. They also have some extra space for other equipment and even some change of attire. These are the ones you see stamped with sponsor logos in televised golf games.

Carry Bags

The basic golf bags that are meant to be carried by the player. With single or dual shoulder straps, they are usually lightweight so as to ease the burden on the carrier.

Stand Bags

With an additional feature of internal reinforcement and a tripod stand to place the bag on the turf without tipping over. Many modern carry bags have stands even at cheap price levels.

Sunday Bags

Also called the minimalist golf bag as it doesn’t have extra storage for too many equipment other than the clubs, tees and balls. Plus, it can be folded down or rolled up when not in use.

Now that you know the types of golf bags that you could use for your sporting equipment, the next step is to determine which ones you are likely to use often.

What You Need to Know as You Use an MLS Long Island Service

There are so many things to consider in buying a home, even if you’re using a reliable MLS Long Island service. So, what should you do to prepare yourself for this serious endeavour? You’ll have to broaden your knowledge, of course. Fortunately for you, here’s a list of must-know facts and fascinating information regarding the world of real estate. What are you waiting for? Read on!

1) There’s nothing wrong with purchasing a property right next to busy place.

locationWhy’s that? Well, locations that attract people tend to increase their value at a much faster rate, compared to those situated in rather “stable” spots. One good example of this is a property that eventually had a Starbucks built beside it. Even if there’s another property that’s a bit far away and is priced much higher initially, rest assured that the one with the Coffee place beside it would eventually rise in value. Of course, this is only valid if you’re thinking of getting a property that could be rented out or have a business run in it. For those planning to become homeowners, the noise that could come from such establishments could become off-putting in the long run.

2) Don’t be tricked by the words used to describe a property.

luxurious propertyTerms such as luxurious and captivating could actually increase the perceived value and overall interest in a property, but for smart buyers, these mean nothing. A piece of real estate will only be luxurious or captivating if the potential buyer says so, meaning he visited the property and was indeed impressed with it. Simply put, if you’re on the market for a new home, don’t even pay attention to these marketing keywords. Check out the photos of the property, read the details (focus on the technical aspects), and lastly, set a date for a visit.

3)  Consider the possibility of spending on renovations.

Surely, if you’re on the market for a furnished home and you’re a bit tight on the budget, you’re aiming for a home that’s good enough but not entirely perfect. You’re thinking that whatever needs to be fixed can be handled in the future. Truth be told, not all needs for renovation are alike, and that’s why you need to spend a bit of cash to hire an inspector. He’ll tell you what needs fixing and how much you’d most likely spend on those repairs. If you end up realizing that the costs make one property comparable in price to another that doesn’t need repairs (but is priced higher), you’ll know immediately know the right choice.

4) Aside from searching through an MLS Long Islandservice.

You’ll have to work with a real estate agent to seal the deal. Obviously though, not all agents are the same. Some are there to trick the uninformed, they’re the ones who prey upon the unwary. If you’re a first-timer in this property-buying pursuit, it should be among your best interests to check the following:

  • Attention to detail,
  • Truthfulness,
  • Clarity in communication,
  • And Most importantly of all, experience
5) Consider the laws in the place you’re planning to settle in (or set up a business in).

NassauFor example, in Long Island, different places have their own unique rules. In Nassau, you’ll get in trouble if you sell broad-tipped markers to those below 18. Why exactly? It seems people there are quite worried about vandalism (well, they do have to protect all sorts of historical sites, so it’s a bit understandable). In Suffolk, on the other hand, you’ll probably end up fined or even jailed if you make the mistake of releasing at least 25 helium-filled balloons into the air within a day. Now that’s a weird policy. You’re also prohibited to sell liquor to drunkards in Suffolk, but that’s definitely logical. The problem though, is defining what counts as a drunkard and identifying one before it’s too late. If you’re fine with the weird laws and regulations of a place, then you should probably continue your search for a property there.

6) Don’t fall for pricing tricks.

pricingIf you’re not aware of how psychological pricing works, it’s like this – one property is listed as 500,000 dollars, while another is set at 499,000 dollars. Now, there’s definitely a difference between those two, but it’s not big enough to say that the second one is cheaper. Unfortunately, if you’re merely browsing listings and you aren’t aware of this psychological trick, your brain might hastily assume that the second property is cheaper and it’ll be stuck in your memory. You might even unknowingly label it as a good deal.

In your search for a property through an MLS Long Island service, you need to be as thorough as possible. Always remember that no matter how advanced MLS Long Island services have become, it is ultimately you and your decisions that determine whether you’d get an excellent property.

The Fool-Proof Guide To Custom Lanyards

What do a convention attendee and an office employee have in common? They usually wear lanyards to represent the convention that they are attending or the office that they are working for. This versatility is the splendor of lanyards. That is, lanyards can be worn by anyone for a plethora of purposes.

In accordance with this, a convention or an office should be able to provide lanyards that accurately represent them for their attendees or their employees to wear.

For that reason, we offer you a fool-proof guide to help you build custom lanyards that are exactly what you want and need. Interested? Keep reading!

The first step towards perfect custom lanyards is choosing the attachment. The attachment is what you find on the end of lanyards. This is where you attach whatever item you want your lanyards to hold. Because there is a wide variety of items that you can attach to them, you can also choose from a wide range of attachments. The most popular attachment is the “thumb trigger”. The main selling point of this attachment is the ease of operating and using it.

Custom lanyards

In homage to its name, all you have to do is to push the latch with your thumb and you can already attach whatever item you want your lanyards to hold. This means that if you are after ease and convenience, then it is the perfect choice for you. Specifically, if you are going to use your lanyards for technological devices such as a flash drive or a mobile phone, then the “cell phone loop” is what you should go for. It features a thin string that you can loop around that tiny hole in your device.

Nevertheless, if the aforementioned attachments are not to your liking or purpose, then do not fret because we have many more attachments.

Another step closer towards perfect custom lanyards is choosing the strap. The strap is the backbone as this is where all the customizations are shown. For this, you need to consider several things – the material and the width. Make sure that the material and the width of your lanyard strap can handle your chosen design. There are two basic materials for the straps: fabric and cords. For the fabrics, polyester is the most popular, but we also offer the woven fabric, nylon fabric and many more. The fabric strap has a flat surface and is usually thicker in width.

On the other hand, the cord strap has a cylindrical shape, curved surface and is usually thinner in width. In choosing the strap, the most important thing to consider is how much design you want your lanyards to contain. Being thicker, fabric straps can contain more designs. Cord straps, in contrast, are significantly thinner, which means that the design on such lanyards is smaller. Hence, the strap that you should choose should be capable of accommodating what you want your lanyards to have.

We offer you the ability to fully customize your choice by printing a design on the strap of your custom lanyards. We can print your company name or your full name even though it is around twenty characters. There is no limit to the amount of characters you can put on your lanyards and we would not charge you extra for it. What’s more is that if you are not sure of what colors to mix and match, we got you covered. We offer Pantone color matching on all of your custom lanyards so you do not have to worry about the color matches ruining the overall look of your lanyards.

And we are done. Let us recap. First, you choose the attachment that suits what you want your lanyards to hold. Second, you choose the material and width of the strap. Finally, you design your lanyards based on what you want it to look like. Just follow this simple guide and you can come up with your very own custom lanyards based on your exact needs and preferences.

Author Bio:
We strive to find the perfect, quality solution for your custom lanyard needs. Lanyards are practical accessories used to hold small items. Click here the-lanyard-factory for more details about lanyards.

The Wonderful World Of Designing Patches

Everyone wants to be identified and establish his or her place in this world. This is why jobs, memberships, and affiliations have all become part of people’s identities. Whenever we are part of something big, we would surely want to let the whole world know about it.

Significant Uses Of Patches Are:

Most organizations use embroidered patches sewn on uniforms in order to signify their brand or service. Wearing uniforms with patch on them, whether it’s in the medical field, the military, the police, sports, or even interest clubs, helps the wearer feel more proud and passionate about being identified with their respective groups.

Apart from being used in uniforms, some people also collect embroidered patch to remember places they’ve been to, events they’ve taken part of, or contests they’ve won. These add-ons also serve to mark important milestones in one’s life. Some organizations use them to mark a member’s achievements or contributions, and carefully crafted ones serve to represent the person’s pride and glory. For some people, the use of patches has more of a utilitarian purpose, such as using them to cover up damaged bags or clothing, therefore making the apparel wearable again.

If you’re wondering what these are made of, well, they are actually crafted with a kind of backing, some thread, and a needle. Once the design is sewn intricately onto the backing, the patch can be attached to clothing with the use of a pin, thread, heat-activated adhesive, Velcro, or iron-on material. No matter what the backing or attachment type is, they key to crafting a perfectly embroidered patch lies in the design itself. You might think it’s a complicated process to come up with a great design, but that is not necessarily the case, especially if you’ll be working with a very talented design team such as ours.

Iron On Patches

Our company understands our clients’ needs. We know how important it is to get good value for your money. This is why our creative team is ready to hold your hand through the whole conceptualization process. Once this is done, then manufacturing the patches will just be a piece of cake. Most companies or groups already have a logo to work with, which is a good thing, and will make it a whole lot easier for us to proceed with the manufacturing phase. But, for other organizations that are still starting out or are undergoing a redesign process, then that is where our expertise comes in.

We offer a wide range of backing options to choose from such as tape backing, iron-on backing, Velcro backing, button loop backing, as well as plastic backing. Tape backings are easily removable and are a good choice for when the use of the patch is only semi-permanent. Iron-on backings allow for fast and easy attachment, and all you need is a flat iron and a thin damp towel to hold over the patch until the patch is fully secured.

Velcro backings allow for easy removal from the clothing and are perfect for when the wearer needs to use various patches for different occasions. Button loop backings are also convenient because they are made to hang from a button or a pin, and no thread or glue is needed for attaching the patch. Lastly, plastic backings are good for when you need extra support for your patch, which ensure that they will maintain their shape through wear and tear and after several washes.

We also have different patch borders to choose from such as the hot cut edge border and the Merrow border. Hot cut edges have sharp and detailed edges and are perfect for those who have more intricate designs in mind. Merrow borders entail a kind of overlocking, which involves wrapping the thread around the fabric, creating a more type uniform stitching, which is perfect for the more classic patch designs.

We also have metallic thread options to make the embroidered patch more eye-catching. We also have a wide range of thread colors to choose from to suit your custom design. Our company knows that the use of these things is very important to organizations or institutes looking to make their brand or service known to the rest of the world. That is why we ensure that the patches come out perfectly each time and the ones wearing them will feel proud to be members of the group or organization to which they belong.

Author Bio:
Custom patches gives a great look without the high cost. Embroidered patches and iron-on patches developed specifically to your group’s special patches design needs are all we do.

Custom Rubber Bracelets to Support a Cause and Raise Awareness

The history of the rubber bracelet can be traced back to the early-to-mid-2000s, when people who were part of various organizations would wear them to show their support for a certain cause or raise awareness in other people regarding a particular issue.  Through the years, it has slowly replaced those “awareness ribbons” people used to wear (e.g. the pink ribbon for breast cancer) a few decades before that and is now considered to be a more modern way of promoting a product or a cause.

Custom rubber bracelets have gained solid popularity simply because they are trendy, wearable, and easily stored as souvenirs.  They also have other names such as jelly bracelets, rubber wristbands, and gel bracelets.  Whatever name you wish to call them, these bracelets are made of the same material that is silicone rubber.

Rubber BraceletsCustom rubber bracelets have truly come a long way, and there are so many ways to go when it comes to designing them.  We, as a company, understand that added value when you have free reign in designing your bracelet.  We provide this added value by giving our clients a whole array of styles to choose from: embossed debossed, color-filled, color coated, one inch, ¾ inch, segmented, swirled, silk-screened, keychain, micro, and finger.  This wide selection gives clients the opportunity to choose what they think will work best to suit their promotional objective.  Whether it’s for raising awareness for charity, fundraising, promoting a product, or commemorating a person or occasion, using bracelets will certainly help create a lasting impression.

Our rubber bracelets are fully customizable without any limit on the characters you wish to use.  Depending on your creativity, you can maximize the space provided on your custom rubber bracelets by coming up with interesting and unique designs.  However, if you are confused and don’t know where to begin, we’re here to help offer free artwork and creative advice.  We can also help you tweak your current design and allow you to maximize our services with no hidden charges. We have a wide selection of bright colors to make sure your bracelets will stand out and also offer free Pantone color matching.

Free FedEx shipping is also a bonus we have for non-rush orders.  The medical grade silicone material used to make the bracelets guarantees that they are durable, wearable, and washable.  The good thing about rubber bracelets is that they can also easily adapt to any type of sporting or physical activity and can withstand the harsh natural elements.  The die molding and laser engraving used will ensure the bracelets come out tasteful and elegant.

We fully understand our clients’ needs and recognize how quality and affordability must always go hand-in-hand. By providing our customers freedom in designing their custom rubber bracelets, we ensure that the end-result elicits great satisfaction and provides value for their money.  Our wristband gallery features the different styles you can choose from, so you can envision the exact way you want your bracelets to look.  Once you have decided on the most appropriate style for your event, we will create a digital proof with the design you’ve just made so you can see the sample before we proceed with the actual production.

Using custom rubber bracelets to promote a cause, raise awareness, or even just remember an event is definitely the way to go these days, especially if you want to add a contemporary feel to the occasion.  Coming up with a brilliant design to help you best showcase your objectives is an exciting process, and we are here to help you with it every step of the way.  Since we have so many options to choose from that you can use to mix and match while creating a design for your bracelets, you can rest assured that we will be able to help you come up with the perfect kind of bracelet for whatever theme or occasion you have in mind.

Booking and Managing a Keynote Speaker

It is no secret that organizing a big event often entails a great deal of preparation. You need to book the venue, come up with the guest list, send out invitations, prepare a program, and so on. If you also happen to be in a charge of a big convention or talk, then you probably need to book a keynote speaker as well.

Having a good keynote speaker is often crucial to the success of an event and this involves making sure that nothing goes wrong during the hiring process. You will also need to have a reliable set of logistics in place to ensure that your chosen keynote speaker runs into no trouble during the event so that s/he can focus solely on the speech at hand.

And how exactly does one manage to accomplish all of that? With the aid of the following guidelines, such a feat would not only appear doable but perhaps even relatively easy:

Effective Speaker

1)    Choose the right keynote speaker for the event. Speakers are like performers. They all have distinct personalities. Some like to deliver their messages through humorous stories, others leverage on their celebrity statues, and quite a few specialize in using powerful stories to uplift or inspire their audience. Consider the sort of message that you would want your speaker to deliver and then pick the most appropriate approach.

2)    Book your chosen keynote speaker in advance and be sure to provide him or her with as many specifics when you do so. Many keynote speakers are very busy people and often travel all over the country (sometimes all over the world), so it’s very important that you have at least a confirmed date for the event when you approach them. The more in-demand your speaker of choice is, the earlier you should approach them to book their services.

3)    Provide the speaker with a contract that specifies the time and date of the event, the duties expected of the speaker, along with any accommodations for the latter that both of you may have agreed upon. This may seem like a formality, but it actually serves to protect both parties in the event of a disparity from either end.

4)    Have a realistic budget prepared. If you want the best speaker in the industry to show up at your event, you may have to vouch for their travel expenses and lodgings.

Otherwise, it would be best to discuss your budget with your chosen speaker so you two can figure out the financial aspects of the engagement. For instance, your speaker may opt to arrange for their own plane fare or transportation and lodgings in favor a bigger paycheck or vice versa.

5)    Brief your speaker on the significance of the event as well as on the type of audience it will attract. Have a clearly-defined purpose for the keynote speech and a simple and significant message for the entire event and communicate these well to your speaker so that s/he can prepare the material. If you have a preference for how your speaker would deliver the speech (e.g., with more humor, in a somber manner, etc.), you may also bring that into the discussion.

Do not forget to describe the event’s audience for your speaker’s benefit as well. A briefing on their demographics (age, gender, etc.), areas of concern, strengths and weaknesses would be immensely helpful towards creating an effective and powerful speech.

6)    Check back with your speaker a few days before the actual event to go over some last-minute concerns or questions. If there have been any changes to the program, it would also be wise to inform the speaker of such.

Can a Long Island Foreclosure Lawyer Save Your Home by Filing a Bankruptcy?

Will a Long Island foreclosure lawyer be able to save your home from closure by filing a bankruptcy? He actually can but it depends on various factors and considerations. To be precise, it can postpone, delay, or stop a foreclosure depending on what type of bankruptcy you opt to file. There are two types of bankruptcies – chapter 13 and chapter 7. It is best to discuss each to understand them better.

lawWhen filing for a chapter 13 bankruptcy, you will have to comply to a repayment plan, designed to settle your delinquencies, that you have agreed upon with the lender as witnessed by the court. This modification usually has a set timeframe that you have to meet in order to maintain good standing. For the time being, your home will be protected as long as you continue paying your dues as stated on the repayment plan. Once you have completed your overdue loan, you can make your loan current and that will in effect save your home from foreclosure. However, you must understand that if you fail to settle your obligations during the repayment period, your home will again be subjected to foreclosure.

For a chapter 7 bankruptcy, all your debts will be discharged to give you freedom and a new start. However, take note that all your nonexempt assets will be sold and the proceeds will be used to pay off your debts by distributing them to your creditors – and that can include your home. Fortunately, in Long Island, a homeowner can exempt $75000 to $150000 of their home’s value. This means that if your home’s equity is lesser than the said range, then you will not be forced to sell it since the proceeds of that sale can still not be used to repay your creditors. In other words, you can save your home from foreclosure. As for your other assets, a bankruptcy trustee will determine which will be sold, so be ready to let go of a number of your properties.

Some homeowners turn to filing for bankruptcy not just to avoid losing their homes, but mainly to buy them some time. You see, once your Long Island foreclosure lawyer files it, the foreclosure proceeding is automatically stopped, so is the debt collection. That will give the homeowner a peace of mind while he struggles to find ways to pay off his debts and until the automatic stay expires. However, this does not mean that a bankruptcy is your instant solution to an impending foreclosure.

First of all, filing for bankruptcy is laborious and could be time-consuming, so be sure to hire a good Long Island foreclosure lawyer who can help you through it. Expect signing dozens or maybe a hundred forms because all your outstanding debts will have to be assessed to see if you qualify for a bankruptcy. Since proving that you are eligible for a bankruptcy can take a lot of time, you must act on it immediately or the foreclosure proceeding can outrun you and take your home before you can even submit your petition for bankruptcy. Another thing that you need to understand is that a bankruptcy will have a huge negative effect on your credit score. In other words, you will have to start all over again from square one to build your record in order to acquire future loans with low interest rates. This is devastating especially if you have such a good record before.

Nonetheless, be thankful that a Long Island foreclosure lawyer can help sort all of these out for you. He can give you sound advice to protect your assets and your record. Therefore, before you jump and decide to file a bankruptcy, discuss things out with your lawyer and consider your other options.