The right is legal education (however, it is clear that pedagogy is not the same as teaching, and therefore legal pedagogy is not the same as the legal education or the right, so it is clear that no deal to the same) usually by universities and should be taken into account the multidimensional theory of law (by which the right is made up of many elements), which exceeds the three-dimensional theory of law. That is, the law is not only law, nor law, values and social reality, as the law goes further. Within such schools should be programmed studies taking into account all the elements of law. That is, is not the same right that the positive law or legislation. Since the first covers the second.

Business rules are abundant among which we can cite the law of the individual limited liability company, the banking law, general corporate law, securities law, general law of the bankruptcy system, the penal code, the constitution The law of the stock market, the commercial code, the law of income tax, business law of the state, among others. That is, not all business rules, but the quote in order to take into account that are plentiful and they deserve to be studied by lawyers. However, we must repeat that these are only part of the law, because, as stated the law is not the same as the positive law or legislation. In this respect studying these standards although we know some parts of the law is also true that involves a very limited knowledge, and that leaves out the executions, jurisprudence, doctrine, general principles of law, social reality and manifestation of will, among other sources of law, that is, these are not all the sources of law, but we recorded them to get an idea of those.

Before developing the business law suitable for our purposes to define the company, thus providing strength in our discussion, an institution that is certainly under-treated by the writers. That is, the company is poorly studied and little has been written about her by the writers, why should devote ourselves to developing it. In the subject field of study is important to note the company, which is considered by the corporate law, business law or business law and corporate law.

The company is the union of labor, management and capital dedicated to meeting a need in the market. This is not the only definition of business, but there are many others which can be used to study the company in full, in that regard, we recommend a more thorough study of this subject that matters to business law.

The different definitions of firm definitions are classified in law, economics, accounting and administration. Therefore before taking into account a definition is important to determine the type of definition in order to have a more complete approach of the company is a market trader. The market brings together the supply and demand.

The business law is the branch of law regulating the business of companies, one of its main branches commercial law. The commercial law is the branch of law that regulates and examines the business of business. Why we must place on record that when defining these two branches of law are similar enough, which is necessary to clarify that the definition can not find the difference but when studying the branches which includes the right business and any case, first by commercial law and then just see the right business.

The Credit Consolidation

The credit consolidation is supposed to be at least equal to the sum of the remaining stock of old loans. However, it is necessary that the debt capacity of the client allows. These range from 35% to 50% of monthly income, according to the company funding and the level of wages.
Note that these new forms of debt consolidation are different mechanism of debt consolidation. Although the principle remains the same, that bring together the old loans into one with new conditions, consolidation is reserved for those with accumulated debts. In addition, a loan consolidation is only valid for consumer loans. While consolidation for all types of credit. It is possible, if for example you have a mortgage, a car loan and an overdraft with your bank to negotiate their amalgamation into one new loan category will be those whose debt the most dominant. The amount includes the capital outstanding, the unpaid balances owed, interest and penalties on late payments.
A debt consolidation is more difficult to obtain a combination of credit, given the existence of overdue. If all loans were taken from the same agency, this may make things easier because it supports everything from the beginning and only the risk of insolvency, and therefore will not hesitate to use this amicable solution rather than to initiate legal proceedings. But if the credits were granted by different institutions, the procedure becomes complicated. In this case, you must be at least a healthy position at one of the lenders to ask him to buy back other loans and make consolidation.

The purchase of credit is useful if the rate differential is important

You should also know that even if you have only one credit, you can lower your monthly payment on the Redemption by another financial institution. For example, if you contracted it two or three years, a mortgage loan or consumer, you should know that interest rates have significantly declined (despite a small increase occurred in 2009) and the durations of the credits can achieve now higher limits than before. Given the race to which Livent banks and finance companies to attract new clients, you can easily redeem your credits and get new more favorable terms.
But beware, a redemption is not great every time, even with a new lower interest rates. Some parameters must be well studied.
The first is the elapsed time of outstanding credit. “For a mortgage, the redemption is really interesting that during the first seven years,” says account manager of a bank instead. Indeed, the monthly payment of a credit consists of a large share of interest in early shrinking gradually as repayments. A person honoring its maturity during the first half of the term of credit has no reason to retract because the economy on the rate differential will not cover the cost of redemption, especially when it s ‘acts of a mortgage.
The second parameter is the rate differential. For that financial gain is sufficient to cover costs and achieve savings, professionals feel that the interest rate differential should be at least 1.5 points. The third element is the cost of the operation. You should know that the purchase of credit gives rise to a new loan, and therefore new costs. In the case of a mortgage, it will pay a second mortgage fees, notary fee, notary fees and fees and insurance of the new credit. We must therefore make a simulation of the redemption with all its settings before leap.

Procedure: The parts to be provided; and how to consolidate your loans

The items required to consolidate your loans are the same as those required under a consumer credit bond, one or two documents closely. In addition to a copy of National Identity Card (CIN) and proof of residence (residence certificate or receipt of telephone or electricity), must submit a voided check, the last three bank statements and the last three payslips. It will add to these documents amortization schedules of outstanding loans that the lender can determine the exact amount due and check if there are unpaid. What if the lender is a bank, it will ask you a direct debit to pay to get your employer.

After simulation and negotiation of loan terms for reunification, it must be the credit file with all the aforementioned documents. This case will be considered by the committee’s credit facility. After acceptance, two options available to you: either get certified checks for names of organizations have granted credit for the amount past due and recover the releases, or to opt for transfers which will take place automatically between the new lender and alumni. The ideal is to opt for the option checks for more speed in the procedure. If there are additional credit, it will be released after obtaining the release documents.