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The Credit Secrets Bible
by Alliance Publishing Corporation
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Customer Review: I brought this book but it did not really tell me anything that I did not already know. They have a number that you can call to get a credit card. The card is supposed to help your credit rating and...

To Pay Or Not To Pay: Insider Secrets to Beating Credit Card Debt and Creditors
by Stanley G. Hilton
Amazon Price: $8.76
Customer Review: This is a beautifully written book. It is clear that the author is well informed and well read, often making clever allusions and drawing attention to relevant quotes. The book is meant to empower the...

JK Lasser's Guide for Tough Times: Tax and Financial Solutions to See You Thr...
by Barbara Weltman
Amazon Price: $12.89

Debt Defaults and Lessons from a Decade of Crises
by Federico Sturzenegger, Jeromin Zettelmeyer
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The Battle Scarred Guide to Small Business Debt Relief and Recovery: No-nonse...
by Ken Thomson
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Customer Review:
Having Suffered the war of debt in small business I can tell you that this book has been extremely helpful. The lesson learned are valuable and never to be forgotten.


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Consumer Credit Counselors Of America Article

DWI Laws and You: What You Need To Know For many people, the act of driving while intoxicated (DWI) is one of the worst crimes that someone can commit. In reaction to that, the DWI laws are becoming tougher by the day. While there is no one set of laws that cover every state, they are somewhat similar in nature and in penalty.

Most states follow the same penalty structure, beginning with the suspension of the drivers' license. This can be done immediately if the suspected driver refuses to submit to a chemical drug or alcohol test at the time of the alleged violation. The penalty phase then moves to jail time and confiscation of the vehicle.

Some states are working on passing laws that will make a driver under the influence responsible for any type of traffic accident whether or not they were actually at fault. This would mean that if you are intoxicated and are hit by another, un-intoxicated, driver who runs a stop sign or crosses into your lane, that you would legally be at fault.

Several states, forty-two to be exact, have a condition that allows offenders that meet certain criteria to drive if their cars have been outfitted with ignition locks. These work by locking the ignition until the driver submits to an onboard breathalyzer test. If the test comes back negative, the car is allowed to start.

The laws and penalties in your state may vary. It is always wise to be aware of your local and state DWI laws and how you could be affected by them. These laws can be found on the internet for most states and by visiting your local police station.

Every state, with the exception of Massachusetts, has laws on the books that make it a crime to drive while intoxicated. This usually is defined as having a blood/alcohol level that is either above or at a predetermined level, normally 0.10. However, some states have the legal limit set lower, most of these are at 0.08 percent.

It is so important to realize how devastating the effect of driving while intoxicated can be. This crime is easily preventable by calling a taxi, a friend or by just staying home if you are going to be intoxicated. For those who don't make these types of arrangements, the DWI laws are getting tougher and law enforcement is intent on doing their job to get them off the road.

Peter Wallander

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