HRLS Happeningscup buttermilk; brush loaf with this mixture. Use a sharp knife to cut an 'X' into the top of the loaf. ake in preheated oven until a toothpick inserted into the center

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Welcome to spring! Everyone in our office is pretty excited about the new season, which typically brings warmer weather and the anticipation of many beach days to come. Hopefully we won’t have to wait too long this year. As we mentioned in our newsletter last month, our new paralegal just started with us! Jessica

has been doing a fantastic job so far. Many of you have proba-bly already spoken to her on the phone, and experienced her pleasant attitude and helpfulness! We are confident that she will continue to be an excellent addition to our team. Speaking of our team, March is Women’s History Month and March 8th is Inter-national Women’s Day! What better way to celebrate than by acknowledging our 100% female support staff? Call us biased, but we think they are fantastic. In addition to Jessica, we also have paralegals Alexandria and Betsie, our admin-istrative assistant Desirae, our marketing director Barbara, and our brand-new divorce paralegal Bridget. We’ll be sharing more about Bridget in next month’s newsletter, so be watching! These 6 ladies have greatly influenced the spirit of teamwork in our office. They work together and help each other whenever nec-essary in order to better serve YOU, our clients! Next time you call our office and speak with one of them, be sure to say a quick thank you for their hard work. They truly care about their clients and they go above and beyond to ensure you have an extraordinary experience with our law firm, whether you file bankruptcy or divorce.

-Attorney Edrie Pfeiffer

March 2018 Monthly Newsletter

HRLS Happenings

It’s VOTE Time!

We are excited to be part of the

Pilot’s Best Of contest again

this year! We need your help!!

Text ‘CTTE’ to 213-33

That’s all you have to do!

We love our clients, and we

love referrals!

Be sure to have your referrals mention

your name so we can recognize you

and make a donation to the Beach

Health Clinic in your honor. Special

thanks to the following individuals

who have referred new clients to us

this month:

T. Jameson, B. O’Connor

Are You On Top Of Filing Your Taxes??

Who doesn’t hate lugging paperwork to an accountant, trying to figure out what can or cannot

be deducted, and all the boring paperwork that goes along with this time of year? As awful as

tax time seems, it is a necessary evil for all of us especially if you are having financial difficul-

ties. It may be tempting to avoid or even ignore your tax obligations, but doing this can land you

in hot water with the IRS. It can also jeopardize any chances you have of reaching a fresh start

through bankruptcy. Watch the video below to find out your options.

Go to www.hamptonroadslegal.com/video/taxes-in-bankruptcy.cfm

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Feeling Lucky? Bankruptcy Might Make You Wealthy A Surprising Way To Reach Financial Security

It sounds like an absurd statement that you can actually become wealthy by filing a bankruptcy. While filing a

bankruptcy will not increase your odds of winning the lottery, it can put you in a better position to accumulate wealth

or at least financial security.

If you are currently using a substantial portion of your monthly income to make the payments on cred-

it card, medical and personal loans (while not really making a dent in the balances), a bankruptcy may be the

best solution to allow you to make proper plans for your financial future. I always tell individuals who come

to me about filing a bankruptcy that if you can afford to pay off your credit card debts, personal loans and

other bills within a 3 year period without using the money that you need to support yourself and your family,

then you should do that. If you cannot pay off these bills within 3 years, then bankruptcy may be the right so-

lution for allowing you to start fresh.

Think about it: if you are currently paying over $500 a

month on credit card bills, personal loans and other debts, you

are paying over $6,000 a year with little to show for it. Even

worse, you may be in the hamster wheel of having to use your

credit cards to pay for your necessary living expenses because

you have to use your income to make the payments on your

credit cards. If you are doing this, you will never be able to get

off that wheel without some other action. Did you know that if

you are making the minimum monthly payment on a credit

card, it can take you over 15 years to pay off the credit card

balance?? This is where bankruptcy will free you from the

hamster wheel.

Instead of paying over $500 a month on credit cards and other

bills, you may be able to file a Chapter 7 bankruptcy and wipe

out those debts. If you don’t qualify for a Chapter 7 bankrupt-

cy, you may need to file a Chapter 13 bankruptcy and have a

set payment plan for 5 years but then you will be free from

these debts.

Take a look at what this does for your financial future: If you

are paying over $6,000 a year simply to manage debt and you

wipe that debt out through a bankruptcy, now you can take that

$6,000 a year and put it towards your financial future. Even if you can only save 50% of that money, you will

be able to save over $3,000 a year. If you invest that money at 4% interest, in 10 years, you would have over

$36,000. That is a good start on a nest egg for you. Just think of how much you would be able to put aside if

you make it a practice to save 50% of any increases that you get in your income going forward.

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Inspiration is a vital element of life but getting inspired can sometimes seem to be easier said than

done. The good news is there are actually methods that you can utilize in order to give a helping hand to find

inspiration instead of just waiting for it.

A very fine method of inspiring yourself is

to learn a number of different creative

thinking techniques. Creativity can actually

be learned and developed with practice.

If you learn how to sharpen your skills in

creative thinking, your subconscious mind

will be able to find inspiration almost every-

where. Make use of self-talk such as the

likes of “I am creative”, and you soon will

be.

It is also a good idea to start using more

“out of the box” type thinking on a regular basis. Stretch your imagination and never be afraid to challenge

assumptions by taking a different view of things.

Try to reframe problems in order to break them down into components, thus allowing you to reassemble them

in a different fashion.

Have An Inspired Spring! How to Get Inspired This Season

Traditional Irish Soda Bread Looking for a delicious way to celebrate St. Patty’s Day? Try this recipe and let us know if it brings you luck!

Ingredients:

-4 cups all-purpose flour

-4 TBSP white sugar

-1 tsp baking soda

-1 TBSP baking powder

-1/2 tsp salt

-1/2 cup softened margarine

-1 cup buttermilk + 1/4 cup

-1 egg

-1/4 cup melted butter

Preheat oven to 375 degrees. Lightly grease a large baking sheet.

In a large bowl, mix together flour, sugar, baking soda, baking powder, salt

and margarine. Stir in 1 cup of buttermilk and egg. Turn dough out onto a

lightly floured surface and knead slightly. Form dough into a round and place

on prepared baking sheet. In a small bowl, combine melted butter with 1/4

cup buttermilk; brush loaf with this mixture. Use a sharp knife to cut an 'X'

into the top of the loaf.

Bake in preheated oven until a toothpick

inserted into the center of the loaf comes

out clean, 45 to 50 minutes. Check for

doneness after 30 minutes. You may con-

tinue to brush the loaf with the butter mix-

ture while it bakes.

Recipe curtesy of AllRecipes.com

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Hampton Roads Legal Services

372 S. Independence Blvd., Suite 109

Virginia Beach, VA 23452

(757) 346-5815

THIS FIRM IS NOT A PUBLIC LEGAL AID AGENCY

Hampton Roads Legal Services located in Virginia Beach assists clients with Debt Relief, Bankruptcy, Family Law and Estate

Planning matters. We serve Hampton Roads including Virginia Beach, Norfolk, Chesapeake, Portsmouth, Suffolk and sur-

rounding areas. This firm is not a public legal aid agency.

Office Hours: Mondays – Friday 9:00am-5:00pm

Office is closed every Monday from 12:00 pm -2:00pm

Just a friendly reminder that Attorney Pfeiffer and our paralegals do not take walk in appointments or un-

scheduled phone calls. If you need to speak to someone about your case, please call (757) 340-3100 or email

[email protected] and we can schedule a time for you to call us. This allows us to concentrate on

your case without interruptions.

Best Law firm

In This Issue…

1. HRLS Updates

2. Are You Tax Savvy?

3. A Surprising Way to Become Wealthy

4. Traditional Irish Recipe

We Need Your Vote!! Text CTTE to 213-33!

Time to vote!! See Inside!