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Springfield Attorney Michael Rose, Michael J. Rose, P.C., Oklahoma City, OklahomaIn Springfield, bankruptcy law in a generation, personal bankruptcy filings have jumped this month to the highest on record.Second, it may promote involuntary petitions as an alternative to prejudgment remedies in circumstances where an insolvent debtor is dissipating assets. In , company insolvencies rose by more than 4%, in by more than 10%, and in by more than 20%. George Iatridis, together with Dimitris Kapsis, will join Ince & Co’s Piraeus office on 2 January 2009. when we need a chance to get the monkey off our back and start over. Ko?ali Law Office which serves. §523 and §1328 for a complete list. In Springfield, Debts fall into the following categories: debts you pay to survive, debts that enable you to earn a living, and debts that are not essential for your survival or ability to work. In Springfield, Therefore, the debtor must examine all of his or her transactions within the last sixty days in compliance with the above rule so as to avoid non dischargability. Springfield Bankruptcy Myths | Florida Bankruptcy Law Information | Miami Bankruptcy Lawyer FL | Daytona Beach, Port Orange, Tampa, OrlandoE-mail communication with Williams, Birnberg & Andersen, L.In Springfield, If you do not reside in California please consult with an attorney in your area The filing of a bankruptcy case invokes the which is a Federal Injunction that prevents creditors from taking any action to collect a debt. In Springfield, Please be very careful of these companies. In Springfield, The other witnesses were: United States Bankruptcy Judge Thomas Small , Eastern District of North Carolina Professor Robert M. C represents clients throughout Arizona including Phoenix, Apache Junction, Avondale, Chandler, Flagstaff, Gilbert, Glendale, Mesa, Paradise Valley, Peoria, Scottsdale, Sun City, Surprise, Tempe, Tucson, Maricopa County, Coconino County, Pima County, and Pinal County. , Suite 303, Plantation, FL 33322 Phone: (954) 356-0450 Fax: (954) 356-0451 E-Mail: For an appointment call (954) 356-0450 The purpose of this Web Site is to educate the public generally about legal options, not to dispense specific legal or other professional advice upon which others may rely. In Springfield, We are a debt relief agency. We are available to handle all matters related regarding , including both and . The Tampa Tribune reports that for conspiring with her husband to concel assets from the bankruptcy court. Springfield Indianapolis Bankruptcy Attorneys, Indianapolis Chapter 7 and Chapter 13 Bankruptcy LawyersIn Springfield, 12, which discusses this issue under former Section 9-302(3).In a common Chapter 7, the debtor (you) wipes out his or her debts without offering to pay on them. 44% 30 Yr Fixed Jumbo 7. During this period, the court remains closely involved in your personal and business affairs. 333 and Senate version S. If the sale proceeds are not enough to satisfy the lien and the expenses of the repossession sale, you may be held responsible for the difference. Springfield Corporate BankruptcyIn Springfield, 12MB Keywords Bankruptcy, Chapter 7, Chapter 13, Credit Counseling, Moneywise Sponsors Capital One Notes This brochure was created by Consumer Action in partnership with Capital One Services, Inc.In Springfield, By increasing Chapter 7 court filing fees for filing a Chapter 7 bankruptcy case. State Exemptions The new bankruptcy law impacts homestead protection only in bankruptcy court and does not affect the homestead protections that are currently available in a Florida state court collection proceeding. In Springfield, Such a plan enables you to take your existing credit card debt, hospital debt and other unsecured debt and propose a monthly payment based on what you can afford- a monthly payment plan that your creditors must accept. In Springfield, , I have a significant debt in addition to my student loans (these must be repaid). In Springfield, Our MT-200 is ideally suited for client pre-screening since it is a full BAPCPA means tester. News Channel: Total Bankruptcy Channel: Bankruptcy Law Network Resources NEW! Windows Media (approx- 15 mins in length, 26. In Springfield, Maybe your mortgage holder has used the "f" word: foreclosure. you can write a letter to the USCIS and complain about what he did so can he can. In Springfield, Snyder & Associates is always here to help. In Springfield, In a chapter 13, under our local bankruptcy rules, you cannot incur any debt in excess of $5000. Expenses due to medical, legal, or credit card expenses usually make a person lean towards the option of bankruptcy. Springfield Law Office of Dennis R. WheelerIn Springfield, Experienced attorney Jonathan Garrett provides personalized counsel and representation to clients filing for bankruptcy in Shelby County, Crockett County, Hardeman County, Haywood County, Lauderdale County, Obion County, Dyer County, Fayette County and Tipton County, including Memphis, Union City, Martin, Dyersburg, Milan, Ripley, Humboldt, Brownsville, Covington, Millington, Bolivar, Germantown, and other area communities.In Springfield, The entire process usually takes less than 4 months to complete. And debt-ridden financial institutions taken over by regulators can be exempted from relevant civil lawsuits and proceedings. THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOU A WRITTEN CONTRACT SPECIFYING WHAT THE ATTORNEY OR BANKRUPTCY PETITION PREPARER WILL DO FOR YOU AND HOW MUCH IT WILL COST. Though it is impossible to attribute these and many other failures strictly to the fiscal of Philip II, their timing cannot be purely . In recent years, numerous health care providers have been debtors in large bankruptcy cases. In Springfield, These rights include collection actions, repossession, foreclosure, garnishment, replevin, attachment, obtaining a court judgment, liens, and forcing the debtor into involuntary bankruptcy. Springfield Kansas City Bankruptcy AttorneyIn Springfield, The residency rules for purposes of school tuition for undergraduate and graduate students under the age of 25 are significantly different from the law of residency for asset protection purposes.? The report provides the first analysis of the over 60,000 consumers who have filed for bankruptcy protection since the enactment of the ?Bankruptcy Abuse Prevention and Consumer Protection Act? (?BAPCA?) (editors note: the use of the term ?Consumer Protection? in the title of this statute is nothing short of Orwellian) in October of 2005. ) REMEMBER: Whether the automatic stay has arisen or not is a question best left to your lawyers. fraud by a fiduciary, embezzlement, or larceny; 7. The attorney will guide you through the process. For more information or to schedule an appointment, call my office at 419-237-2661. In Springfield, All cases are handled personally by the attorney. ; Net Connect; J S & G Electric, Inc. In Springfield, A fixture filing is required for priority over conflicting interests in fixtures to the extent provided in Section 9-334. The new BANKRUPTCY LAW became effective October 17, 2005. Springfield State Law Library-BankruptcyLocated at 1140 Highland Ave.78 Marketplace: In Stock by Warren, Elizabeth Edition: 2008 ISBN: 9780735576544 List Price: $35. In Springfield, It can be very complicated. | ® by , a Thomson Reuters business. Nathalie Martin and John Penn from the American Bankruptcy Institute were online to answer your questions. Bankruptcy Skip to: | | Search: | Bankruptcy New bankruptcy law affects state's taxes In April 2005, President George W. In Springfield, If the court concludes that the debtor was attempting to defraud creditors by selling property at a below-market price, for instance, the court can order that the property be turned over to the trustee. Springfield Nichols & Eberth, P.C. - BankruptcyIn Springfield, The statistics show 1,042,993 bankruptcy cases were filed for the fiscal year ending September 30, 2008.I have been licensed to practice law since 1979. Vivian to schedule a free initial consultation. One such high-earning individual came to my office to discharge over $1million of unsecured. and KBC Bank NV 30 Rockefeller Plaza New York, New York 10112 Howard Seife, Esq. In Springfield, ” Specializing in bankruptcy and foreclosure law, Gordon said the practice is positive rather than negative. Once a proposal is filed, the trustee calls a meeting of creditors within 21 days. However, only an individual with less than $100,000 in unsecured debts and less than $350,000 in secured debts is eligible to file a Chapter 13 bankruptcy. If your employer fails to withhold the payments, does not withhold enough money or sends in the payment late, you are responsible for fixing the problem. In Springfield, Sections 341 through 350 deal with such issues as the meeting of creditors, sending of court notices, the fifth amendment to the constitution barring self-incrimination, conversion from one type of bankruptcy to another, dismissing and closing cases. Springfield Orlando Filing Bankruptcy Lawyer | Florida Chapter 7 & 13 Bankruptcy Attorney Bankruptcy Laws FL Deltona Kissimmee Winter ParkIn Springfield, In the bankruptcy process, all three branches of government are involved to some extent.Bankruptcy may be a way to get out from under an oppressive lease. They haven’t put away enough money to cover their debts and a comfortable retirement. It calls for the liquidation of almost all assets in order to pay off the debts owed by the person filing. Click on the links below for more information in this subject area. Letter to the Editor The Daily Sentinel welcomes your commentary. Deckelbaum Ogens & Raftery, Chartered 3 Bethesda Metro Center Suite 200 Bethesda, MD 20814 Phone: (301) 961-9200 Fax: (301) 961-9229 Representing clients in the Washington, D. Springfield Making Payments On Time During Bankruptcy May Save Your Home - Daily Mortgage, Why don't you just tell people to file for bankruptcy, then they can spend their wages on their families instead of on banks? Harry Dear Harry: Not everybody wants to file for bankruptcy.In Springfield, It can help you save your house, car and personal effects. In Springfield, October 18, 2005 - Bankruptcy Protection is Still Available The new bankruptcy law is now in effect. The bill calls for the government, as a shareholder of a large number of mortgage securities, to "encourage" loan servicers to modify more troubled loans and for servicers of mortgages to do all they can to stem foreclosures. In Springfield, Sites ranging from Academic Info to Fedlaw to the Dow Jones Business Directory, as well as numerous off line references, e. Take advantage of this free consultation and debt evaluation by calling our office at 813-345-5954. LEGAL SOLUTIONS FOR BUSINESS AND FAMILY Any information contained on this site is general in nature. In Springfield, Outlines six “core principles for reform” that would give the Federal Reserve supervisory authority over any financial institution to which it might make credit available and calls for reform and streamlining of financial regulatory agencies. In Springfield, Chapter 7 Versus Chapter 13 Chapter 7 and Chapter 13 are two types of bankruptcy options for individuals in financial crisis. In Springfield, Mark Goldman, A Professional Corporation Bankruptcy Attorney 80 Main Street, Suite 450 West Orange, NJ 07052 Phone: (973)-677-9000 26 Journal Square Jersey City, NJ 07306 Phone: (201) 659-6226 100 Hamilton Plaza Paterson, NJ 07510 Phone: (973) 247-9445 55 Washington Street Suite 609 East Orange, NJ 07017 Phone: (973)-677-9000 For a free consultation on a bankruptcy matter or to speak with an experienced bankruptcy lawyer, call or e-mail . In Springfield, And their health-care costs have put them in a financial hole. Springfield Chapter 7 Bankruptcy Attorney Kentucky | Indiana Bankruptcy Law Lawyer | Indianapolis, Richmond, Newport, Pikeville, Danville, OwensboroAragon goes before the Federal Bankruptcy courts to allow you to write off your creditors to have the new start you need to get back on your feet.If you are behind some payments, known as "arrearage", often an agreement may be reached with a creditor to catch up on the payments or a Chapter 13 Reorganization Plan filed to catch up past due payments. In Springfield, With our bankruptcy software, this problem never arises. Let us help you find the light at the end of the tunnel. I urge everyone to contact their Senators and urge them to vote for this legislation. In Springfield, Both Districts experienced significantly higher rates of increases than the national average of +9. In Springfield, is a full service Law Firm serving clients in Nassau and Suffolk Counties and the 5 boroughs of New York City in Chapter 7 and Chapter 13 cases. Son pays the $10,000 on time. In Springfield, Like most such sites it provides some free information, generally outdated or otherwise limited. In Springfield, WHAT ACTIONS MUST A COLLECTION AGENCY AVOID? Under the , a collection agency may not act in the following ways: Third-party communications: The collection agency cannot contact third parties other than the debtor's attorney or a credit bureau for any reason other than to locate the debtor. Springfield New Bankruptcy Laws Spur ForeclosuresIn Springfield, OLD LAW: The trustee had to commence all actions to recover a preference or fraudulent transfer in the district where the bankruptcy case was filed.Debt Management is the course that everyone wanted to learn in High School and College, but nobody taught. Collection agents may not contact a third party repeatedly unless they believe an earlier response was wrong or incomplete and that the third party has revised information. In Springfield, The Uninstall Trap: One would expect that uninstalling the program after you are done with it will solve all the problems, right? Wrong! Most often this is where the real problem starts. As we’ve stated previously, this site’s main focus is on personal, aka “consumer,” bankruptcy issues- people, not businesses. In Springfield, If you have other questions you can explore section. If the trustee has examined the debtor’s ability to repay his/her student loan debt and has determined that the balance of the student loan should be discharged in Chapter 13 bankruptcy, then it is up to the creditor to accept or dispute the ruling. In Springfield, Bankruptcy Resources | C Bankruptcy Resources CEB’s excellent bankruptcy resources offer unique coverage of California-specific law and practice. Springfield King County Law Library - Bankruptcy Research GuideBasically this test looks to see if your family is better off than half of all the other families around you.Vujovic, Attorney at Law, PA is a member of the North Carolina Bar Association Bankruptcy Section, the National Association of Consumer Bankruptcy Attorneys (NACBA), and the American Bankruptcy Institute. In Springfield, The creditors can file a bankruptcy petition against the debtor called involuntary bankruptcy, to try and recover some of what they are owed. In Springfield, Exemptions essentially protect you from the enforcement of judgments, with the understanding that people need certain items in order to live. In Springfield, Joanne Ventura is a certified divorce mediator. In Springfield, The bankruptcy law office of Robert B. ) are put in a separate category than other creditors. Springfield Bankruptcy Law Centerwebsite presents the Federal rules of bankruptcy procedure in their entirety.| | | | | | | | LEARN MORE ABOUT. " If they tell you that the "software" comes with instructions, then it simple means that they are selling you a bunch of Microsoft Word documents with instructions on how to survive the ordeal alone. In Springfield, The exemptions (the bankruptcy law which protects your assets) are very complicated and you should consult an attorney to maximize the protection that you are afforded under Bankruptcy Law. These data aren't hard to come by: NACBA surveyed six large and small credit counseling firms that have been authorized by the U. 35 which have no tangible location. They won provisions in the new code that changed the way car loans are treated in bankruptcy. /cebsite/images/site/footer_bg. (see ) In most cases, all of your property will be exempt. Springfield Alexander Gordon Maryland Bankruptcy Law Firm - About UsBy: | 19/12/2008 International law firm Ince & Co is responding to market needs with the appointment of a team of experienced and respected Greek lawyers to its Piraeus office.uniform laws on the subject of Bankruptcy throughout the United States. Provides practical, hands-on guidance, including a step-by-step outline of bankruptcy procedures; detailed discussion of the substantive and procedural aspect of litigation with the IRS in bankruptcy court; expert analysis of applicable law and on-point cases; and more. In Springfield, Gene Hough, Founder and Senior Attorney Legacy Law Center Tulsa Office 6968 South Utica Ave. When you retain The Law Firm of Kenneth E Banks, you place a special trust in our ability to render quality legal services. In Springfield, Caroline Mayer reports in the Washington Post on how quickly following begin receiving new credit card offers. In Springfield, _______________________ Hastings, Minn. In Springfield, The Law Office of was established in 1989. In bankruptcy, a debtor can ???assume??? its remaining lease obligations to the landlord or reject those obligations. In Springfield, In addition, if your in a business, the bankruptcy court may authorize the trustee to operate your business for a limited period of time, if such operation will benefit the creditors of the estate and enhance the liquidation of the estate. It can take a quarter century just to pay off a $5,000 balance making minimum payments! After lobbying for and getting passed the new bankruptcy "reforms" - credit card companies have become even bolder in trying to make those debts non-dischargeable. Springfield bankruptcies, bankruptcy laws, chapter 7 attorneys and lawyersYou should always go with the firm or attorney you feel most comfortable working with, as legal matters are often very important and personal.| ® by , a Thomson Reuters business. However, there remained significant concerns about the level of professional fees and apparent waste of corporate assets. Prevents lawsuits: Filing for bankruptcy puts a temporary stop to nearly every type of civil lawsuit that could be, or has been, filed against you. ] Access has an article on “Bankruptcy Chapter 13“. In Springfield, After filing, a trustee is appointed to supervise the debtor?s assets. In foreclosure Florida is a little different from other states because we allow residents an unlimited dollar value (there is an acreage limit) for a homestead, so a bankruptcy chapter 13 (reorganization) to stop a Florida foreclosure can be an especially compelling reason for filing bankruptsy . In Springfield, Your secured debts cannot exceed $1,010,650, and your unsecured debts cannot be more than $336,900. Springfield Bankruptcy | LII / Legal Information InstituteTo speak with a lawyer about bankruptcy or tax matters, call us at 770.In order to be exempt from disclosure, the production itself must be the functional equivalent of testimony and incriminating under the Fifth Amendment, such as the postmark on a postcard, proving the debtor's whereabouts at a particular time. In Springfield, Consumer Bankruptcy in The US: Background Bankruptcy law in the US is federal law. Will the cost of filing a Bankruptcy be greater or less under the new law? It is likely that the cost of a Bankruptcy will go up under the new law. Contact us at (248) 351-9787 for your free consultation and evaluation. His practice is limited to consumer representation in Chapter 7 and Chapter 13 and estate planning. Springfield Oklahoma Personal Bankruptcy Lawyers J. Scott McWilliams Tulsa Debt Relief Agency OK Law FirmName Email The purpose of this overview is to answer the questions about bankruptcy asked most frequently by our clients and to provide an overview of the bankruptcy process.In Springfield, Doub practices in the U. If you file for bankruptcy, this notation can remain on your credit bureau file for up to 10 years. In Springfield, if you'd like to know more about what kinds of debts ARE dischargeable under Michigan bankruptcy law. If you are having a temporary loss in income or a long-term reduction in income, you may qualify for a Chapter 13 Wage Earner Plan that allows you to reorganize your debts based on your ability to repay. Visit us on the web at where you can contact one of our attorneys directly or send a general inquiry. In a situation such as this many bankruptcy court's are holding that Federal bankruptcy exemptions are applicable by default. Springfield GILD - Canada - Canadian Bankruptcy LinksIn Springfield, Also be aware that Florida bankruptcy courts may set a hearing if an objection is filed by a trustee, creditor, party in interest, or upon their motion.In Springfield, [ ] Will filing for bankruptcy stop harassing phone calls from bill collectors? When we help you file for either type of bankruptcy, we ensure that an "automatic stay" goes into effect and is enforced. In Springfield, I don't want to file bankruptcy because I do not want to get behind in my payments any more than necessary. This debt consolidation plan can also help pay off the past-due amounts on your mortgage, or car loan. Secured creditors are given special rights to protect their mortgage rights in the property, and so each secured claim must be dealt with very specifically. Please visit for more information on the firm and check out the "bankruptcy resource center" for useful information on your options under Federal Law. You can find one through the state bar or the ABI web page. If you find yourself servicing larger balances than this, now is the time to start chipping away at those balances. Texas Bankruptcy Law Attorneys | Bankruptcy Chapter 13 7 11 Lawyers Houston Texas Dallas 1177 West Loop South Suite 1100 Houston, Texas 77027 713-965-9969-TEL 713-963-9169-FAX PRACTICE AREAS Practice Areas Bankruptcy Texas Bankruptcy Law Attorneys for Creditors At the law firm of , in Houston, Texas, we represent debtors and creditors in all Chapter 7, 11, and 13 bankruptcy proceedings. In Springfield, David O’ Reilly of Chevron Texaco, based in California. Springfield Q&AIn Springfield, Going to debt counseling services.® by , a Thomson Reuters business. A debtor under Chapter 13 must pay all domestic support obligations that fall due after the petition is filed. ``They wanted to make sure that people kept and what they're getting is more foreclosures. In Springfield, | FirmSite® by , a Thomson Reuters business. If you are keeping secured property, you will need to indicate whether you intend to: (1) reaffirm the debt and continue to make the payments remaining obligated for the balance of the debt, or (2) redeem the property by immediately paying the value of the property and receive a discharge for the balance of the debt. We are a Designated Debt Relief Agency under Federal Law and We Provide Legal Assistance to Consumers Seeking Relief Under the Bankruptcy Code. A mortgage is backed by a house, which can be foreclosed on to gain income. In Springfield, A debtor must wait six years before he or she can file for Chapter 7 again. In Springfield, The limit on unsecured debts was increased from $100,000 to $250,000 and the limit for secured claims increased from $250,000 to $750,000. MT-100 FREE MEANS TEST MT-200 MT-100 is a light weight means test designed to give you a rough idea where you stand. Springfield Bankruptcy laws failing consumers - Jacksonville's Financial News & Daily RecordIn Springfield, One partner publishes the Ohio Church Law Report.Estudio Jur?dico - Fiscal, Attorneys in Valencia Valencia, Spain Full-Service Law Firm in Valencia, Spain Estudio Jur?dico Fiscal offers value added legal and tax advice to national and international customers with business interests in Spain. In Springfield, Each case is different. These new laws narrowly missed passage each year since 2001, and may become effective at any time. Myth 10: Filing bankruptcy means you're a bad person. Bankruptcy is not designed to punish or embarrass a person by having their house and car sold. Springfield New Bankruptcy Laws - Chapter 13 Bankruptcy - Bankruptcy AttorneysIn Springfield, While no one would intentionally live in poverty just to avoid debt?if you find yourself in that unfortunate situation?you could wait until your debts become "uncollectible.Before you make any decision about refinancing or selling your home to an investor, please call and talk to one of our attorneys to discuss all of your options. States may not regulate bankruptcy though they may pass laws that govern other aspects of the debtor-creditor relationship. The new legislation encompasses a complicated formula that will be utilized to determine the type of bankruptcy relief an individual will be able to avail himself or herself. A debtor may only redeem tangible personal property intended primarily for personal, family or household use from a lien securing a dischargeable consumer debt. Debtor sells some shares of stock (non-exempt property) and receives $210,000. Foreclosures are public record, so there is no reason not to at least check. In Springfield, TESTIMONIALS: "Trustworthy and professional service, delivered quickly. In Springfield, (That's another reason why you shouldn't rely on anything you hear from people from other states that filed Bankruptcy or from these web sites that pretend to give "general information" about Bankruptcy. Pennsylvania Bankruptcy Attorneys At the law offices of Boyle, Neblett & Wenger in Camp Hill, Pennsylvania, we offer a free consultation to people considering bankruptcy, people facing foreclosure and people who have been subjected to collections abuse. When one spouse files for bankruptcy protection, his or her spouse’s credit is not affected. Springfield Tougher Bankruptcy Laws Bite the LendersMeans Testing Under the new bankruptcy law, debtors whose debts are mainly consumer debts, must undergo a "" analysis to determine whether they are eligible for filing a Chapter 7 bankruptcy.In Springfield, Schedule a FREE consultation today! Evening and weekend appointments are available. In Springfield, Bankruptcy is our family business. In Springfield, A key issue is the bankruptcy of financial institutions. , represent clients in Southeast Michigan including Detroit, Ann Arbor, Allen Park, Albion, Lincoln Park, Brighton, Howell, Saline, Monroe, Blissfield, Romulus, Southgate, Wyandotte, Livonia, Dearborn, Westland, Lansing, East Lansing, Okemos, Warren, Sterling Heights, Roseville, Eastpointe, Battle Creek, Oak Park, Hillsdale, Inkster, Ferndale, Hazel Park, Whitmore Lake, Plymouth, Farmington, Trenton, Flat Rock, Tecumseh, Clinton, Chelsea, Novi, Garden City, Westland, Northville, South Lyon, Milan, Brooklyn, Melvyndale, Ecorse, Belleville, Canton, Wayne County, Ingham County, Washtenaw County, Jackson County, Lenawee County, Monroe County, Macomb County, Livingston County, Shiawassee County, Clinton County, Eaton County, Calhoun County, Branch County, Hillsdale County. You should consult an attorney for individual advice regarding your own situation. In Springfield, Unlike many bankruptcy firms that have both creditors and debtors as clients, we represent only debtors. §523(a) for a complete list. In Springfield, If you have to use California's exemptions, you can keep only $2,300 worth of equity. Another example…if you filed for bankruptcy in February; but worked a Xmas job for November and December, this income would need to be reported. Now I'm in trouble again. What happens is that the whole thing wobbles and distorts like hot Jell-O on a picnic table. Springfield United States Bankruptcy Court | Middle District of Florida - Home PageIn Springfield, Estoppel by Plan Confirmation The confirmation of a bankruptcy plan creates a binding obligation between the debtor and the creditors holding most types of claims.how can bankruptcy hurt it? The big surprise for our clients is when we tell them that filing bankruptcy can actually help them re-build their credit. The government should offer some type of incentive that will encourage lenders to help borrowers over the long-term; such as offering tax breaks on each borrower who stays in his/her home five years after the loan is reconfigured. |