Grape Infants Tylenol Recalled

The Northwest Indiana personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers, is warning of a recall issued by McNeil Consumer Healthcare, Division of McNEIL-PPC, Inc. ("McNeil"), of 574,000 bottles, of Infants' Tylenol ® Oral Suspension, 1 oz. Grape.

According to McNeil, the recall was issued as a precaution after receiving complaints from consumers who reported difficulty using the Infants' TYLENOL® SimpleMeasure™ dosing system. SimpleMeasure™ includes a dosing syringe, which a parent or caregiver inserts into a protective cover, or "flow restrictor," at the top of the bottle to measure the proper dose. In some cases, the flow restrictor was pushed into the bottle when inserting the syringe. Children's TYLENOL® products are intended for children two years of age and older and remain available.

According to McNeil, consumers can continue to use Infants' TYLENOL® provided the flow restrictor at the top of the bottle remains in place. If you have any questions, please do not hesitate to contact McNeil at 1-888-222-6036.

What should you do if you were injured and it was not your fault?
If you have been injured, please contact the law firm of Schlyer & Associates. The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?
The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?
There is no fee unless successful. If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive. Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy
Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed. We are here to help. We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys. Dealing with financial difficulties can be a stressful time on you and your loved ones. We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?
Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?
We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting. Injured? Don't Settle For Less.

Remember, no personal injury fee unless successful.


Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Help, I Need To File Bankruptcy. Does An Affordable Bankruptcy Exist?

Yes. An Affordable Bankruptcy does exist at Schlyer & Associates. We can help you declare an Affordable Bankruptcy. With $100, you can begin the process to re-start your financial life.

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville. Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy. MSN recently posted an article about bankruptcy myths that we will share with you. Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13. By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt. You can stop foreclosure, garnishments and end creditor harassment. At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished. Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy

Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed. We are here to help. We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys. Dealing with financial difficulties can be a stressful time on you and your loved ones. We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?

Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?

We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.



Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Need To File A Medical Malpractice Law Suit? Schlyer & Associates Are Your Northwest Indiana & Illinois Medical Malpractice Lawyers

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, represent people who are injured. It does not matter if you were injured by a doctor, nurse, at a hospital, at work, at a store, in a car crash, or otherwise. Call Schlyer & Associates today to get the representation you deserve.

I Think My Doctor Did Something Wrong. It May Be Medical Malpractice. Should I Talk to a Lawyer?
Yes. If you think you are a victim of medical malpractice, please contact the law firm of Schlyer & Associates. The attorneys at Schlyer & Associates have experience in representing victims of medical malpractice in Indiana, Illinois and throughout the United States and can help you with your claim.  Medical malpractice can occur in a hospital, doctor's office, surgery center.  You can be a victim of medical malpractice due to a nurse, doctor, CNA, RN, surgeon or an intern.  If you believe you were a victim of medical malpractice, call  Schlyer & Associates today at (219) 757-0225.

Besides medical malpractice cases, what other types of personal injury cases can you help me with?
The attorneys at Schlyer & Associates have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates for my medical malpractice case?
If you believe you have an Indiana or Illinois medical malpractice claim, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive. Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois. There is no fee until successful. In Indiana and Illinois, the amount of the attorneys fee is set by statute. We can discuss those fee levels during the free meeting.

I do not live near your office, can you still represent me?
Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?
We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting. Remember, no fee unless successful.



Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Tumblekins Toys Recalled - Choking and Laceration Hazards

The Merrillville personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers is warning of a recall issued by the U.S. Consumer Product Safety Commissionof about 31,000 Tumblekins Toys.

According to the recall notice, certain toys can break into small pieces with sharp points, posing choking and lacerations hazards to children. The recalled toys were imported by International Playthings LLC, of Parsippany, New Jersey.



Photograph from the recall notice. Photographs of additional toys subject to the recall can be found on the recall notice.

The recalled toys were sold at various juvenile product stores, mass merchandisers and other stores nationwide and on various websites from March 2011 through December 2011 for between $14 and $35.

If you have any of the recalled toys, you should take the recalled toys away from children immediately and contact International Playthings at (800) 445-8347 to receive a free replacement toy.

The Aggressive Trial Lawyers at Schlyer & Associates have the experience to represent you in many types of personal injury cases or other legal matters.

The attorneys at Schlyer & Associates have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

If you believe you have a legal matter to discuss with us, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.

The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Griffith, Highland, Gary, Whiting, Munster, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, Valparaiso, Hebron, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. Many of the Aggressive Trial Lawyers at Schlyer & Associates are licensed in both in Indiana and Illinois.

If you need a personal injury attorney or need to file a personal Affordable Bankruptcy, we are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, down the street from Excel Academies of Cosmetology, Ted's Imported FoodsandCosmo Prof (a distributor of beauty products to licensed professionals).

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Hurt At Work? Need A Workers Compensation Lawyer?

The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers, represent people who are injured. It does not matter if you were injured at work, at a store, in a car crash, or otherwise. Call Schlyer & Associates today to get the representation you deserve.

I was injured at work. Now I am hurting. Should I talk to a lawyer about my workers compensation claim?
Yes. If you have been injured at work, please contact the law firm of Schlyer & Associates. The attorneys at Schlyer & Associates have experience workers compensation cases in Indiana and Illinois and can help you with your claim.

What Benefits Can I Receive With A Workers Compensation Claim?
In essence, you are entitled to receive three (3) types of benefits with a workers compensation claim. Your employer should pay your medical bills for your work related injury, you should receive a portion of your regular weekly wage and you should receive a lump sum benefit payment when you have reached maximum medical improvement. Please call us today for more information about your particular Indiana or Illinois workers compensation issue.

Besides workers compensation cases, what other types of injury cases can you help me with?
Besides handling Indiana and Illinois workers compensation claims, the attorneys at Schlyer & Associates have experience in many types of personal injury situations. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, plane crashes, slip and falls, premises liability incidents, dog bites, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, construction accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other types of injury cases. Many cases are settled before a law suit is filed. But we to not plan to simply settle your case. We work on each case as if it was going to trial. If your case does not settle, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates for my workers compensation case?
If you believe you have an Indiana or Illinois workers compensation claim, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive. Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

I do not live near your office, can you still represent me?
Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?
We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.



Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

HP Recalls Fax Machines - Fire and Burn Hazards

Schlyer & Associates, Aggressive Trial Lawyers, the Merrillville, Indiana based personal injury law firm, warns of a recall issued by the U.S. Consumer Product Safety Commission of 928,000 HP (Hewlett-Packard) fax machines, since the fax machines can overheat due to an internal electrical component failure, posing fire and burn hazards.

According to the recall notice, this recall involves HP Fax 1040 and 1050 models.



Photograph from the recall notice.

The recalled HP fax machines were sold at various electronics, computer and camera stores nationwide, and online at www.shopping.hp.com and other websites from November 2004 through December 2011 for between $90 and $120.

If you have one of the recalled HP fax machines, you should immediately stop using the recalled fax machines, disconnect them from the electrical outlet and contact HP at (888) 654-9296 for a rebate on the purchase of an authorized replacement HP fax machine or a partial rebate of certain HP ink jet printers.

The Aggressive Trial Lawyers at Schlyer & Associates have the experience to represent you in many types of personal injury cases or other legal matters.

The attorneys at Schlyer & Associates have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

If you believe you have a legal matter to discuss with us, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.

The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Griffith, Highland, Gary, Whiting, Munster, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, Valparaiso, Hebron, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. Many of the Aggressive Trial Lawyers at Schlyer & Associates are licensed in both in Indiana and Illinois.

If you need a personal injury attorney or need to file a personal Affordable Bankruptcy, we are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, down the street from Excel Academies of Cosmetology, Ted's Imported FoodsandCosmo Prof (a distributor of beauty products to licensed professionals).

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

What You Need To Know To Declare Bankruptcy

The Northwest Indiana Affordable Bankruptcy law firm, Schlyer & Associates is located in Merrillville. Schlyer & Associates can help you declare an Affordable Bankruptcy.

There are many bankruptcy myths about which can scare you from filing an Affordable Bankruptcy. MSN recently posted an article about bankruptcy myths that we will share with you. Should you have any questions about declaring an Affordable Bankruptcy after reading this article, please call us at (219) 757-0225 to set a free meeting with an Affordable Bankruptcy lawyer.

With a mind toward declawing the monster, here are a dozen misconceptions about filing or declaring bankruptcy:

1. Everyone will know I've filed for bankruptcy. Unless you're a prominent person or a major corporation and the filing is picked up by the media, the chances are very good that the only people who will know about a filing are your creditors. While it's true that bankruptcy is a public legal proceeding, the number of people filing is so massive that very few publications have the space, manpower or inclination to run all of them, although some local newspapers do print the names of those who have filed in that community.

2. All debts are wiped out in Chapter 7 bankruptcy. You wish. Certain types of debts cannot be discharged, or erased. They include child support and alimony, student loans, restitution for a criminal act and debts incurred as the result of fraud.

3. I'll lose everything I have. This is the misconception that keeps people who really should file for bankruptcy from doing it, says Chris Viale, the chief operating officer of Cambridge Credit Counseling in Massachusetts.

"They think the government will sell everything they have and they'll have to start over in a cardboard box," Viale says.

While bankruptcy laws vary from state to state, every state has exemptions that protect certain kinds of assets, such as your house, your car (up to a certain value), money in qualified retirement plans, household goods and clothing.

"For most people, they'll pass through a bankruptcy case and keep everything they have," says John Hargrave, a bankruptcy trustee in New Jersey. If you have a mortgage or a car loan, you can keep the property as long as you keep making payments (like the rest of us).

4. I'll never get credit again. Quite the contrary. It won't be long before you're getting credit card offers again. They'll just be from subprime lenders that will charge very high interest rates. "There are innumerable companies that will provide credit to you," says California bankruptcy attorney and trustee Howard Ehrenberg.

5. If you're married, both spouses have to file for bankruptcy. Not necessarily. "It's not uncommon for one spouse to have a significant amount of debt in their name only," Hargrave says. However, if spouses have debts they want to discharge that they're both liable for, they should file together. Otherwise, the creditor will simply demand payment for the entire amount from the spouse who didn't file.

6. It's really hard to file for bankruptcy. It's really not. Technically, you don't even need an attorney -- you can do the paperwork without one. However, going through the procedure alone is not recommended.

7. Only deadbeats file for bankruptcy. Most people file for bankruptcy after a life-changing experience, such as a divorce, the loss of a job or a serious illness. They've struggled to pay their bills for months and just keep falling further behind.

8. I don't want to include certain creditors in my filing because it's important to me to pay them back someday, and if the debt is discharged, I can't ever repay them. Bless you for even thinking about such a thing. You're no longer obligated to repay them, but you always have the opportunity. If your conscience won't let you sleep because you didn't pay your debts, there's nothing in the bankruptcy code that prevents you from doing that once you're back on your feet. But it is nearly impossible to leave any account with a balance out of your list of creditors. In general, all creditors receive notification of your bankruptcy filing, whether they are listed in the petition or not.

9. Filing for bankruptcy will improve my credit rating because all those debts will be gone. Filing for bankruptcy is the worst "negative" you can have on your credit report. Unlike other negatives, which stay on your report for seven years, bankruptcy can be there for 10 years, but you do get to rebuild your credit eventually.

10. You can't get rid of back taxes through bankruptcy. Generally speaking, this is true. However, there is such a thing as tax bankruptcy.

11. You can only file for bankruptcy once. The truth is, you can file for Chapter 7 bankruptcy only once every eight years, says Justin Harelik, Bankrate's bankruptcy adviser. For Chapter 13 reorganization, you can file more often than that.

Of course, that doesn't make it a good idea.

"Multiple bankruptcies are really bad," Rosenberg says. "Many people get into the habit of once they've done it, it becomes a way of life. This is not good for your karma." Or your credit rating.

12. I can max out all my credit cards, file for bankruptcy and never pay for the things I bought.  That's called fraud, and bankruptcy judges can get really cranky about it.

Material from MSN Money.

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, we help people declare bankruptcy every day, both Chapter 7 and Chapter 13. By declaring bankruptcy, you can eliminate or reduce credit card debt, medical bills, unsecured loans, payday loans and other types of debt. You can stop foreclosure, garnishments and end creditor harassment. At Schlyer & Associates, we can help you declare bankruptcy without screaming it from the rooftops!

At Schlyer & Associates, the Affordable Bankruptcy law firm in Merrillville, Indiana, we offer free, face to face meetings to discuss your personal financial situation at our office in Northwest Indiana. We will help you decide what option is best for you and how you can alleviate the stress of worrying about money, losing your home or having your check garnished. Let us help you declare an Affordable Bankruptcy.

Schlyer & Associates Can Help You File an Affordable Bankruptcy
Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed. We are here to help. We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys. Dealing with financial difficulties can be a stressful time on you and your loved ones. We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?
Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?
We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.


Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Due To Fall Hazard Baby Strollers Recalled

The Northwest Indiana personal injury law firm, Schlyer & Associates, Aggressive Trial Lawyers, is warning of a recall issued by the U.S. Consumer Product Safety Commission of 28,000 Bumbleride Indie & Indie Twin Strollers.

According to the recall notice, the front wheel can break at the axle hub, causing the stroller to tip and posing a fall hazard.



Photographs from the recall notice.

The recalled Bumbleride Indie strollers are model numbers I-107, I-110 and I-205 with a DOM (Date of Manufacture) from January 2009 through August 2011 sold in multiple colors. The DOM (Date of Manufacture) can be found on a white rectangular sticker affixed to the side of the seat frame. The recalled Bumbleride Indie Twin strollers are model numbers IT-108, IT-111, and IT-305 with a DOM (Date of Manufacture) from January 2009 through August 2011 sold in multiple colors. The DOM (Date of Manufacture) can be found on a white rectangular sticker affixed to the underside of the handle.

The recalled strollers were sold at Buy Buy Baby and other baby product stores nationwide between January 2009 and January 2012 for between $500 and $700.

If you have one of the recalled strollers, you should immediately stop using the recalled strollers and contact Bumbleride at (800) 530-3930 to receive a free front wheel retrofit kit.

The Aggressive Trial Lawyers at Schlyer & Associates have the experience to represent you in many types of personal injury cases or other legal matters.

The attorneys at Schlyer & Associates have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

If you believe you have a legal matter to discuss with us, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive.

The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Griffith, Highland, Gary, Whiting, Munster, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, Valparaiso, Hebron, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. Many of the Aggressive Trial Lawyers at Schlyer & Associates are licensed in both in Indiana and Illinois.

If you need a personal injury attorney or need to file a personal Affordable Bankruptcy, we are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, down the street from Excel Academies of Cosmetology, Ted's Imported FoodsandCosmo Prof (a distributor of beauty products to licensed professionals).

Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

File An Affordable Bankruptcy And Put Your Financial House In Order

At Schlyer & Associates, an Affordable Bankruptcy law firm in Northwest Indiana, our goal is to help you in your financial difficulties by helping you declare an Affordable Bankruptcy.

Are you wondering if it is time for you to consider declaring an Affordable Bankruptcy?

Here are a few questions to ask yourself to see if it is time for you to call us for a free Affordable Bankruptcy consultation.

Are you borrowing money to pay debts?

Are you using one credit card to pay another?

Getting payday loans or borrowing from family and friends?

Are you borrowing from any retirement funds to pay debts?

Are you struggling to make minimum payments?

Are you selling your assets and possessions to pay debts?

Are you being contacted at all hours of the day by annoying creditor phone calls and mailings?

Are your wages being garnished by a creditor?

Are you being summoned to Court by your creditors?

If your answer to any of the above questions are yes, it may be time to declare bankruptcy. Call our Merrillville office at (219) 757-0225 to set up your free Affordable Bankruptcy meeting with one of our bankruptcy lawyers. We can talk with you about how you can declare Chapter 7 or Chapter 13 bankruptcy.

Dealing with financial difficulties can be a stressful time on you and your loved ones. Let us help you feel financially healthy again!

Schlyer & Associates Can Help You File an Affordable Bankruptcy
Many people have struggled financially and have had to make the decision to declare an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed. We are here to help. We are a debt relief agency.

I do not live near your office, can you still represent me?
Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?
We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting.



Posted by Attorney David R. Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225

Mexican Wrestling Action Figures Recalled - Lead Found

The Northwest Indiana personal injury law firm, Schlyer & Associates, the Aggressive Trial Lawyers is warning of a recall issued by the U.S. Consumer Product Safety Commission of 7,000 packs of Super Luchamania Action Figures.

According to the recall notice, the surface paints on the action figures contain excessive levels of lead which is prohibited under federal law.



Photograph from the recall notice.

The recalled toys were sold at various Mexican specialty craft stores nationwide from June 2000 through October 2011 for between $12 and $14 per pack.

If you have any of the recalled toys, you should immediately take the recalled action figures away from children and should call Lee Carter Co. collect at (415) 824-2004 for a full refund or credit towards a replacement product.

What should you do if you were injured and it was not your fault?
If you have been injured, please contact the law firm of Schlyer & Associates. The attorneys at Schlyer & Associates have experience in many types of injury and product cases and can represent you in your claim.

What types of personal injury cases do you handle?
The attorneys at Schlyer & Associates, the Aggressive Trial Lawyers , have experience in many types of personal injury cases. For example, the lawyers at Schlyer & Associates represent individuals hurt in car accidents, bus accidents, truck accidents, car crashes, collisions, plane crashes, slip and falls, premises liability incidents, train accidents, intersection accidents, boating accidents, motorcycle accidents, pedestrian accidents, bike accidents, medical malpractice, nursing errors, hospital negligence, surgical mistakes, burns, amputations, brain injuries, medication errors, pharmacy errors, premises liability, workers compensation, construction accidents, industrial accidents, traffic accidents, wrongful death claims, explosions, FELA cases, defective products, product liability, negligence claims and many other injury cases. Many cases are settled before a law suit is filed. If not, the attorneys will work with you to prepare your case for trial and seek a jury verdict to compensate you for your harms and losses.

How much will it cost me to hire a lawyer at Schlyer & Associates?
There is no fee unless successful. If you believe you have a case or other legal matter, please contact Schlyer & Associates today at (219) 757-0225 to schedule a free meeting with an Aggressive Trial Lawyer to discuss the compensation and recovery you may be entitled to receive. Many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Schlyer & Associates Can Help You File an Affordable Bankruptcy
Many people have struggled financially and have had to make the decision to file an Affordable Bankruptcy. Remember, you are not alone and at Schlyer & Associates, you will not be judged or be made to feel embarrassed. We are here to help. We are a debt relief agency.

Please call the Northwest Indiana law firm of Schlyer & Associates at (219) 757-0225 to set up your free bankruptcy consultation with one of our Affordable Bankruptcy attorneys. Dealing with financial difficulties can be a stressful time on you and your loved ones. We will help you file an Affordable Bankruptcy.

I do not live near your office, can you still represent me?
Absolutely. You can live just about anywhere and we can still represent you. However, most of our clients do live near our office. The lawyers at Schlyer & Associates routinely represents clients that live in Lake County or Porter County, Indiana, including the communities of Hammond, East Chicago, Gary, Whiting Munster, Griffith, Highland, Dyer, St. John, Schererville, Cedar Lake, Lake Station, Crown Point, Merrillville, Hobart, New Chicago, Lowell, Lake Dalecarlia, Winfield, Miller, Lake Village, Valparaiso, Hebron, Dune Acres, Kouts, Odgen Dunes, Chesterton, Town of Pines, Portage, Porter, Wheeler, South Haven or Beverly Shores as well as in the greater Chicago, Illinois area. It does not matter if your case is from Indiana or Illinois, since many of the attorneys at Schlyer & Associates are licensed in both in Indiana and Illinois.

Where Can I Find the law office of Schlyer & Associates?
We are located at 200 West 80th Place, Merrillville, Indiana 46410. We are conveniently located near the intersection of Broadway and U.S. 30 in Merrillville, Indiana, across the street from the Merrillville Post Office, Cafe Fondue and the Crossroads Regional Chamber of Commerce office.

Call us today at (219) 757-0225 to schedule your free meeting. Injured? Don't Settle For Less.

Remember, no personal injury fee unless successful.


Posted by Attorney David Novak

200 West 80th Place, Merrillville, Indiana (219) 757-0225