How to fight a wage garnishment in Georgia
Days are getting hard and most people are living in debt. However, when you are trying to get out of this situation the worst that can happen is an advancing procedure of wage garnishment. This can make you feel insecure and intimidated. There is a way to fight wage garnishment in Georgia and here is how to do it.
What is wage garnishment?
Wage garnishment is a very standard procedure. If you have unpaid debt, this is the procedure that legally allows creditor institutions to get a part of your paycheck automatically each month. This does not happen through the means of your banking institution but through your employer’s records.
How much can they take away from the paycheck?
According to the law system, creditors cannot take more than about a quarter of your income. This might be calculated as the money you earn for one week of work.
How to stop garnishment?
It is a procedure that takes some time to prepare for but once you head it off, it works quickly. You have to apply for bankruptcy. You file your petition according to Chapter 7 and Chapter 13. Once you file your documents it only takes a while for the institution to put a restriction on creditors to collect any of your earnings or belongings.
How to apply for bankruptcy in Georgia?
You have to collect all the data required. You have to gather a report of your income and expenses from the bank for the last six months to one year, as well as the record of your tax return for the past two months, including the month you file in.
The next step is to fill in the Chapter 13 forms and add them to your general documentation. At the end of this data-gathering process, you must print all your files on a hardcopy, one-sided on regular-sized letter paper in black ink only. Do not forget to prepare a second hard copy just in case something gets missing in the first. You have to sign all the blank spaces left for this purpose and the last step is to submit all the paper and pay the filing tax of about 350$.
In a few days, you shall receive a form 309A from the court. There you shall find the name and contact of your trustee and the date and time of your meeting 341. The meeting is nothing to worry about. It has only the purpose of verifying your identity and it goes for a few minutes.
After all these steps, you are just waiting for the decision of the court to stop the wage garnishment and restrict the creditors from collecting your earnings and belongings.
Will Egypt Join and Adapt BRICS Currency?
The BRICS nations are looking to establish their own currency, in order to decrease the influence of the US in the global trade market by means of de-dollarization writes Watcher.Guru. New countries are already showing interest in joining the organization, including Egypt.
Will Egypt Join and Adapt BRICS Currency?
Egypt’s interest in the BRICS alliance has risen over the past two years. This is in part due to the speculations of a new currency. A gradual development of a non-dollar financial system, moving away from reliance on the US dollar, is something that the African nation is looking to do. Also, Egypt’s economy will benefit from the formation of reserves to solve liquidity problems. This formation will better cope with global crises through the economy of the member countries
Additionally, Egypt hopes to establish more trade with domestic currencies. This is something that has been heavily discussed by BRICS and will be discussed especially at the upcoming BRICS summit in August. Despite a deteriorating economy and weak sovereign currency, Egypt looks to be favoring the BRICS Alliance as a way to solve its monetary issues.
In March of this year, Cairo took an equity position within the New Development Bank (NDB). The NDB was developed by the BRICS alliance. This is the first surefire step in a nation joining BRICS. The UAE, Bangladesh, and Uruguay have also already done this as well.
Egypt participated in the BRICS Summits in 2017 and 2022. It will likely be involved in the upcoming one in South Africa as well. While more nations being officially brought into BRICS during the summit isn’t a guarantee, the topic of new members and a new currency will be a hot topic.
Innovation in Europe: the secrets to entrepreneurial success and the importance of “patient capital”
As of today, the European Innovation Council (EIC) has a new President of the Board, Dr Michiel Scheffer. With a budget of €10 billion, the EIC aims to identify and scale up new technologies and scientific breakthroughs. In an interview with Horizon magazine, Scheffer looks at the task ahead, where he feels innovation in Europe is strong and where there is a need to do better.
By TOM CASSAUWERS
Michiel Scheffer is hardly new to the world of innovation. For 15 years the Dutch national ran an innovation consultancy for fashion and textile companies. And on top of that he served as regional minister in the Dutch province of Gelderland. Now, Scheffer says he’s eager to start his new job in Brussels as president of the EIC Board.
Which of your previous jobs – in academia, industry or politics – best prepared you for the job of EIC president?
Surprisingly, my political responsibilities probably best prepared me. The challenges I encountered there are similar to the ones I will face now. Of course, it’s important to know how academic research works and how startups operate. But politics is what best prepared me.
I used to be a minister for the Dutch province of Gelderland. Fifteen years ago, it sold some government companies, which caused the province to have money. I led the fund that invested this money. I invested €600 million in startups and scaleups, and I’m proud of the work we did there. That’s a smaller version of what I’m about to experience with the EIC.
What about your work as an entrepreneur?
I was born into a textile family. It’s already in my DNA for three generations. As an entrepreneur I helped textile companies in their innovation processes. But I also tried to develop my own technologies through startups. I need to note, though, that all those startup projects failed.
What did you learn from failing?
For one, I myself experienced the problems that startups encounter. You need to have capital that’s patient. At a certain stage you need to scale a technology, which can cost millions of euros. That means you need good sources of capital, which is where some ideas fail. I hope the EIC can help fix this.
A startup also needs to see Europe as its starting market. We cannot just see our nations or regions as our only markets. You need Europe to build a company at scale.
Your focus as a consultant was on the textile and fashion industries. What lessons did you learn from them?
Fashion is a very innovative industry. Every season they need to come up with new ideas and recombine concepts. Which surprisingly is a very useful mindset for European deep-tech innovation, because crossover thinking is key here. Often you combine different fields or industries. For example, new materials are used to build medical technologies. And that’s what the European innovation ecosystem does well. Everything is close to each other.
In the US, Silicon Valley is geographically very far away from, say the Research Triangle [an area in North Carolina with a heavy focus on medical industries]. In Europe we’re better at this cross-sector innovation, something I’m quite familiar with because of my experience in fashion.
What do you think about the so-called European Innovation Paradox, the idea that Europe is a world leader in science and research but that we’re not good at turning this knowledge into startups and economic activity?
The paradox exists, but it’s not an unchangeable reality. There are regions in Europe that have managed to bridge that paradox. They have managed to invest funds correctly and create a network of startups. I’m thinking of cities such as Eindhoven, Grenoble or Tallinn. On a regional level there are success stories.
The US and China, the other two big economic blocs, have much more coherent internal markets and a strong government. Europe has potential, but fundamentally it’s still 27 different member countries. There’s, of course, the single market but, particularly for startups, financing options remain fragmented. The EIC wants to create a single market for venture capital.
What about private investors? Aren’t you pushing them out?
We work by “crowding in” and never go at it alone. When we give equity, we only invest when private investors join us. We want to seduce private venture capitalists (VCs), not compete with them. Public investors de-risk a lot of the work of private VCs. They make a selection and do due diligence, which reduces the work a private investor needs to do. Research shows that companies where public and private investors work together have a higher chance of survival than companies who just get private investment.
Does an EU fund really need to do equity investments?
In every major technological transition of the last 400 years, public investment has played a big role. This can be in the form of equity, or government contracting. You, of course, need to be prudent, but history shows that it works. After the last few neoliberal decades, it might be somewhat new for governments to do equity investments again, but in the long term it’s perfectly normal for us to do this.
On the other hand, do you think private VCs are too risk averse in Europe?
This can happen, but there are plenty of private VCs that take risks. The bigger problem in Europe is that institutional investors, such as pension funds or even family offices [funds that manage and invest the money of wealthy families], invest too little in VCs. The challenge is more to have these bigger funds invest a larger share of their capital into VC, which in turn will give a boost to European startups.
As someone with a PhD, how can we stimulate scientists to also take up entrepreneurship?
We need to stimulate entrepreneurship among scientists. There aren’t enough places for all PhD students at universities. Besides, there are a lot of PhD students who prefer entrepreneurship over academia. That was also the case for me 30 ago. That of course doesn’t mean that entrepreneurship is just something for scientists.
The most successful companies are led by diverse teams. You want to mix scientists with more commercially driven people. This diversity, by the way, should also extend to gender. We see that entrepreneurial teams that also include women are more successful than teams just composed of men. Cross-border entrepreneurial teams also are more successful. Entrepreneurship isn’t about one lone genius, but about diverse teams.
There are suggestions that a recession might be setting in. What role does the EIC need to play in this kind of funding environment?
The EIC needs to work as patient capital. We have a commitment to invest in the long-term. The instrument also needs to exist for a long time. We hope that the Member States will keep supporting it in the next work programme, after 2027. We are faced with very long-term technological transitions, for example, in the area of sustainability, that go up to and beyond 2050. We need financial instruments that can think on these long-term horizons.
As the new president of the EIC, what will be your first actions?
Some regional innovation ecosystems work very well already, yet others are still lacking. I want to spend a lot of attention on countries and regions that need some help. One of my main activities would be to visit different ecosystems. In July, I start with Portugal, which has a very good technological ecosystem. But afterwards I would also like to visit Bulgaria, Slovenia, Croatia and Poland. This is called ‘widening’. We let these regions learn from other success stories, like imec in Leuven, Belgium, or Enterprise Ireland in Ireland.
We also need to steer investments into areas that are strategically important to Europe. One of the strong points of Europe is, for example, agriculture. We should explore opportunities for it to supply us with certain materials or resources used in chemicals and pharmaceuticals.
Farmers could for example supply lactic acid from sugar, which can be used to make plastics. Bio-based industries such as agriculture can in this way be coupled to our search for more autonomy in strategic economic areas.
What tips do you have for prospective entrepreneurs?
An entrepreneur needs critical friends. You need to learn how to tell your story and listen to criticism. Good entrepreneurs also never work alone. Try to join a team, and make it diverse.
A NEW EUROPEAN INNOVATION AGENDA AND THE EIC
A new wave of innovation is underway: deep-tech innovation, rooted in cutting-edge science, technology and engineering, often combining advances in the physical, biological and digital spheres with the potential to deliver solutions to the many global challenges we face.
With the new European innovation agenda, the EU is putting forward concrete new measures to help innovators, including deep-tech startups, to succeed in bringing their innovations to market.
The European Innovation Council (EIC) supports the most promising deep-tech startups in Europe with scaling up their breakthrough innovations through the EIC Fund, a combination of public grant and patient equity investment. The Fund is set to become the largest early stage, deep-tech investor in Europe: leveraging a budget of €10 billion for the EIC to crowd in €30 to €50 billion from other private investors.
This interview was originally published in Horizon, the EU Research and Innovation Magazine.
The Role of Edubirdie in Fostering Academic Growth: A Comprehensive Review
Most college students usually have a hard time studying for hours, submitting their assignments on time, preparing for upcoming exams, and finding time for their hobbies. Life becomes tougher when you have a part-time job and a family to take care of. While college life can be stressful, it doesn’t have to be. You can save a lot of time and get the results that you want by getting help from your colleagues, tutors, and online experts. When it comes to online experts, there are a lot of platforms that will help you submit your assignments on time. However, you should always use reputable ones to avoid getting scammed. Among them is Edubirdie. By googling this platform, you’ll find a lot of Edubirdie reviews on various platforms such as Reddit and numerous sites. In this post, we are going to answer the question – Is Edubirdie legit?
Why you need an Edubirdie essay
The rise of technology has led to the creation of numerous academic writing platforms in the digital space. These platforms exist to help learners submit high-quality papers on time and get good grades. Since there are a lot of essay writing platforms on the web, it’s not easy to find one that is ideal for you. It is crucial to invest time in researching and reading comprehensive reviews, for example, edubirdie.com review, and familiarizing yourself with the platform’s terms and conditions to avoid any potential pitfalls. I am pleased to report that Edubirdie ratings are quite high in the USA and other nations across the globe. The developers created a website that is not only easy to access but also navigate.
Every writer that you’ll interact with here has been screened thoroughly to ensure that you always get value for your money. If you are worried about paying huge amounts of money to the site, don’t fret. Their prices are pocket-friendly. Plus, the more you use their services, the easier it will be to get an Edubirdie discount code.
|Price range||Starts from $13.99|
|Payment options||Visa, MasterCard, PayPal|
|contact number||+1 888 337 5415|
Most websites that deal with academic writing usually display the services that they provide together with a price list. After reading a comprehensive Edubirdie review and testing the platform, I discovered that there is no fixed price on the homepage. However, you can easily figure out how much you’ll pay for a particular service by visiting the website, heading to my account, and inputting login information. Next, place your order and choose a writer. The platform will calculate the amount that you’ll pay based on a wide range of factors. They include the experience of the writer and the complexity and urgency of your paper assignment. Several reviews on Edubirdie at Yelp have shown that the average price of an academic paper starts from $13.99 per page. Compared to other reputable platforms in 2023, you’ll realize that Edubirdie legit is 100 percent true.
Quality of academic paper
Navigating the site is one of the easiest things that you’ll do in the essay-writing process. Once you put in the details of your assignment, you’ll be provided with a list of reputable writers who can work on your assignment. You’ll get to choose based on their qualifications and experience. And this will improve the quality of your paper. Choosing the ideal writer will ensure that your definition essay is error-free and original. You won’t have to use a dictionary to know the meaning of particular words while reading your essay.
Customer service review
A common trait of unreliable essay writing platforms is poor customer service. They may start ignoring you, especially after sending them money. This doesn’t happen at Edubirdie. I initiated contact numerous times with Edubirdie customer agents via different channels. And they responded accurately and on time. They were there to help me throughout the process. You can converse with them via social media platforms, contact number, live chat, or email. You can ask them about coupon codes, promo codes, or any other questions that you may have in mind.
Pros and cons
There is nothing perfect in this world. And this applies to Edubirdie. Here are its pros and cons:
- Responsive customer service department
- Unique and error-free essay papers
- Easy access to screened writers
- Numerous factors determine the amount that you’ll pay
- Most reviewers publish inaccurate information about the site
- Fake bio photos of a few writers
1. What is Edubirdie legit?
It is one of the leading essay writing platforms in the digital space. According to Ressellerratings, it has assisted thousands of students in different countries to achieve their biggest goals in life.
2. Will I spend a fortune?
No. Edubirdie offers pocket-friendly services to its clients. While many factors determine how much you’ll pay, the starting price of a college paper is $13.99 per page. No to mention the discounts and promo codes that you’ll get in the process.
3. Will my work be 100 percent original?
Yes. Edubirdie does not tolerate any form of plagiarism. In case a writer submits duplicate content, you can always report it and have them rewrite the paper. If they fail to correct issues, they won’t be paid.
If you’ve been struggling with your assignments, you should consider getting help from the experts. One of the popular platforms for essay help on the web today is Edubirdie. It’s perfect for students who want nothing but the best at an affordable price. The more you use the site, the easier it will be to get discount codes. Don’t hesitate to get help from the agents via live chat, email, or phone. They will be glad to assist you achieve your long-term goals.
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