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UK Libel Law Is a Global Threat To Web Free Speech
uctpjac writes "London media lawyer Emily MacManus argues that UK libel law has three features which make it the 'defamation tourism' capital of the world and a serious threat to Web free speech. First, there is no free speech presumption in the UK as there is, for example, in the US. Second, every access of a Web page is considered to be a separate act of publication in the UK (unlike the US, where 'original publication' holds). Third, 'no-win-no-fee' libel litigation is now allowed in the UK. If any blog, anywhere, publishes something you'd like taken down, threaten libel action in the UK: no one except the super-rich can afford to even take these cases to court, so media lawyers advise publishers to 'take it down, take it down quickly, take it down again.' There's not much chance that the judges will move the law any time soon because they just aren't seeing the cases that could cause them to set new precedent."
Comment removed based on user account deletion
stand anymore, under t4e GPL.
If you're unable to manage your mortgage or you're already behind on payments, try negotiating a workout plan with the lender so that you can avoid foreclosure. There are workout plans such as forbearance, deed in lieu, short sale, loan modification and others. You need to choose the one that best fits your mortgage situation. http://www.realstubs.com/ What is a loan modification program? Mortgage loan modification (home loan modification) is where the lender may lower your mortgage rate, or add any dues to the mortgage balance and extend your loan period. This is to ensure that your monthly payments are reduced. There can also be a reduction in the principal balance you owe. The purpose is to make your payments affordable so that you can save your credit and keep your home. When is loan modification suitable for you? Loan modifications (mortgage modifications) are suitable for you when: You have experienced a long-term reduction in income. Your monthly expenses have increased. You don't have enough income to pay off mortgage dues. Are you eligible for mortgage modifications? You may be eligible if: The lender hasn't declared a foreclosure yet and even if he has done so, he should have removed the loan from the foreclosure status. You're delinquent on the loan for 3 months or more. The loan has been originated for more than 12 months. You have stable surplus income to help you pay at the modified rate/terms. The property is in good physical condition. How does a loan modification work? If you're concerned about how to do a loan modification, here are 7 things you should be aware of. Review your financial situation: Prepare a Financial statement including a detailed list of your expenses (food, gas, credit cards and other financial obligations) in a spreadsheet and calculate the average costs on each item for the past 3 months or so. This is important because most lenders would ask you questions on your financial situation and require you to submit a Financial Statement. Hardship letter: Prepare a Hardship letter of not more than 2 pages wherein you'll put down why you aren't able to carry on with the usual payments and why need a loan modification. Know how to write hardship letter. Collect documents: You need to gather certain documents which the lender may review when you request for mortgage loan modification. The documents are: Paystubs and bank statements for past 2 months Buy Personalized Paystub Making Software HERE W-2 Form for last 2 years for the employed Buy Personalized W-2 Making Software HERE http://www.realstubs.com/ Form 1040 for last 2 years if you're self employed Buy Personalized 1099 Making software HERE http://www.realstubs.com/ Rental Agreement if the loan is not on your primary home Most recent mortgage statement Property tax statements Contact your lender: Call up the lender and make him aware of your situation. An even better way to communicate is by sending a hardship letter. It is easier to get a home loan modification if you're behind on payments. However, you may get approved even though you're not yet late but are not sure whether you can keep up the payments. Fill out paperwork: Once you qualify for mortgage modification, the lender will send an information packet and a financial worksheet for you to calculate your expenses. You need to attach documents you've collected along with the worksheet. This is for your lender to assess your financial situation and interpret whether you can pay your mortgage after home loan modification. What you need to prove by filing out the paperwork is that the loan modifications will help improve your situation and make your payments manageable. Written Agreement: Once the lender reviews your paperwork, he may verbally agree to modify your loan. He'll also send you a document explaining the loan modification offer for your approval. Stop gap repayment plan: Once you accept the offer, the len