The ‘fresh start’ that is afforded individual debtors through the discharge doctrines of American bankruptcy law has, to date, defied justification by a single normative principle or theoretical paradigm. The justificatory accounts that have been advanced either fail to explain core doctrines that have long defined the right of discharge or invite theoretical challenges that suggest that their descriptive virtues are swamped by their normative or conceptual shortcomings.

This book presents a taxonomy of traditional justifications of bankruptcy and subjects them to critical evaluation. It then seeks to offer a new justification of bankruptcy’s ‘fresh start’ doctrines-one that takes its inspiration from a quite different moral tradition than those that have informed past efforts to justify and explain our enduring societal willingness to release people from onerous financial obligations. The book argues that personal debt relief is fully vindicated not by a utilitarian theory, nor by a distributive justice theory, nor by a retributive theory, nor by any other rights- or duties-based theory that is preoccupied with moral claims that particular creditors or debtors might proffer. Rather, the long-standing institution of discharge in bankruptcy is best explained by an aretaic, or virtue-based, theory that concerns itself with the obligations that the rest of us have to be charitable towards those who are unable to repay their debts.

The fresh start that bankruptcy gives to those who have been shackled by overwhelming debt is justified not by its effects on creditors, debtors, or future market actors, but by its satisfaction of the demands of individual charity to which all citizens are subject. Bankruptcy’s discharge of the debts of those who have become financially desperate is best thought to be an institution that aggregates others’ demands of good character so as to permit citizens for whom debt-forgiveness is a personal virtue to live in a society that fulfils that virtue.

Debt Your Dirty Little Secret: Tips and motivation to being financially worry free. What are you hiding in your life that is causing you stress and worry? Is it that you haven’t revealed your hidden debt? Is it that your finances are in chaos? Is it that you haven’t got a grip on your financial comings and goings? Make that first step to sorting out money worries and letting those who matter know. You have a secret: you are in debt! What if your partner is clueless about your finances? What if you haven’t told the people important to you about how much money you owe? This book is designed to empower people to improve their quality of life by improving their relationship life. By revealing our hidden secret of indebtedness, we are ready to deal with the consequences of letting the debts escalate. Get into good finance and budgeting habits so you can make good choices. Use this easy to follow guide as it provides motivation and tips to see you through the challenging issue of admitting you owe money. Get to that new place where you have sorted out your finances, are more confident and in a better position of being more financially worry free.

A new master only meant more abuse as Tommy paid off his debt. Master John Boles was different. Even as Tommy’s past came back, full of torture and fear, Boles kept Tommy safe. Better still, he wasn’t alone anymore. With Jay at his side, Tommy finally had a chance at revenge and freedom. But only if his past didn’t steal him away and kill him first.

An Angel, a wizard, and a Horseman of the Apocalypse walk into a bar… Nate Temple has authority issues. As a reckless playboy living the lifestyle only a billionaire heir could, he easily earns the hatred and envy of everyone in St. Louis – especially the monsters. But that tends to happen when you’re also secretly a wizard… and your idea of fun is cow-tipping the Minotaur, stealing Death’s motorcycle, sucker punching the Brothers Grimm, and instinctively thumbing your nose at anyone more powerful than you. It’s Mardi Gras, but Nate Temple – plagued with horrifying night terrors of carnage and chaos that could qualify him as a card-carrying psychopathic insomniac – is not celebrating. Instead, he’s been tinkering with his sudden boost in magical power, the power that surged inside him following his parents’ murder – the power that abruptly made him the strongest wizard for hundreds of miles. And that jump in power has only created a glaring void of jealousy in his wizard brethren, painting a nice fat target on his back. Still, he seeks to avenge his parents… But will he succeed when the ruling body of wizards strips him of his powers, his allies desert him, the city itself fights to shut him and his billion dollar company down, and the heaviest of the Biblical big hitters threaten him to cease and desist his investigation before his Blood Debt ignites Armageddon? Nate soon realizes that he’s in the fog of war against a foe that has been playing chess while Nate has been playing checkers, and every supernatural nation is fighting to earn the right to murder him to death. Blood Debts is the second installment in the Nate Temple series of Supernatural Thrillers, and is said by readers to be a fine addition to the shelves beside the Greats themselves: Jim Butcher, Kevin Hearne, and Patrick Rothfuss. INTERVIEW WITH THE AUTHOR: Q: So, what makes the Nate Temple series special? A: I wanted to write a series of stories that mirrored the books I liked to read in my childhood. My top picks were usually urban fantasy, paranormal best sellers, and of course, books featuring your classic gritty, pulp-fiction heroes. Basically, anything with a lot of creepy crawly supernatural characters: mythical creatures, ancient heroes, super villains, and gods. You will find that the stories focus on the ancient myths, characters, and stories we all know and love. Then twist them up and toss them back like an empty beer can. Q: What order should I read the books in? A: I’ve written the series with the intent that they should be read in order to get the full effect of the bigger picture; however the stories can be read in any order if you are looking for a quick, fast-paced romp through Adrenaline-ville. I suggest the following sequence: – Obsidian Son – Blood Debts – Fairy Tale – Prequel (FREE to email subscribers) – Grimm – Coming August 2016 Q: So, why should readers give these books a try? A: Because the Nate Temple series is a present day, thrill-ride that takes no prisoners. Dragons, Angels, Demons, Greek Legends, Wizards, werewolves, and a whole slew of other supernatural ‘Freaks’ abound in my stories. Blood Debts has hit the top ten bestsellers list on Kindle for Urban Fantasy and Paranormal. The plot twists and turns until the last page, and my twisted sense of humor will have you laughing out loud at things you really shouldn’t be laughing at. Nate Temple Supernatural Thriller eBook categories: Superhero Fiction Supernatural Crime Urban Fantasy Thriller Supernatural Shifter Angels & Demons Paranormal and Urban Scroll up and grab your copy today!

Is there a debt cloud looming over your head? Do you feel like you’re drowning?… ** The secret to getting our of debt, creating wealth and retaining it is: Better Money Management ** This Debt Free Forever Guide provides you with the essential knowledge you need to be able to manage you money better to provide you with a wealthy and prosperous future! The problem these days is that our costs keep going up and as hard as we try we just can’t get our income to increase proportionately. Combine that with the happy-to-spend-on-credit culture we live in and things can go from bad to worse as we see our debts mount up and our will-power fade. Debt can be a constant burden on our shoulders causing us severe financial and mental stress. The solution to escaping debt and growing your level of wealth essentially, boils down to three things: 1) Better Money Management Strategies; 2) A Wealthy Mindset; 3) Dedication & Persistence If you combine these three principles you will give yourself the opportunity to escape poverty and say goodbye to your debt burden forever. You will begin to grow your wealth sensibly and with purpose and as a result your life will be less stressful and full of abundance and choice. The Benefits of Reducing your Debts include: More disposable income Better interest rates when applying for credit Less money wasted servicing your debt Less worry & stress You can build you wealth You can create an emergency fund You can invest money for long term wealth creation

“A great tale of adventure and romance, beautifully imagined and deeply engaging from beginning to end!”
~Diana Gabaldon, bestselling author of Outlander

LOVE vs. HONOR

Son of an Oathbreaker, Aren is desperate to restore his family’s honor, and leaps at the chance Lord Fender offers. His task seems simple enough for a Tracker: bring in a young woman accused of a vile crime. Simple, until his duty to the Jarl conflicts with a debt he owes to the Elves.

Fey-marked and friendless, Annikke flees the wrath of a vengeful lord. When Aren intercepts her, Annikke must choose: trust a stranger with warm brown eyes who promises justice, or protect her daughter–and remain a fugitive forever.

Book Three in the Vinlanders’ Saga, a fantasy adventure series inspired by Norse mythology. It features elves, magic, and the descendants of Viking warriors.

DEBTS follows DANGEROUS TALENTS and FORBIDDEN TALENTS, but can be enjoyed out of order.

In Dark Debts, Karen Hall masterfully combines southern gothic, romantic comedy, and mystery in a wildly original theological thriller that has become a cult favorite since being published twenty years ago. In this new anniversary edition, the author has reimagined her work. The result is a suspenseful, irreverent, and deeply spiritual novel that captivates from the very beginning and doesn’t let go.

When Randa, a reporter for an alternative newspaper in Los Angeles, receives an urgent phone call from her estranged lover, Cam, she rushes to his apartment. She arrives to discover that he’s leapt from the building to his death. Police believe that before committing suicide, Cam also murdered someone in a convenience store, but Randa does not believe Cam is capable of such an act. She seeks out Cam’s brother, Jack, who is living off the grid, somewhere near Atlanta, in hope of figuring out what really happened.

Meanwhile, a Jesuit priest named Michael Kinney has been exiled from New York City to the boondocks of Georgia after making controversial public statements. He has said things that educated people of faith are not supposed to express. Even more problematically, he has fallen in love with a woman, and the last surviving member of his family has kept a shocking family secret from him.

How these characters converge is part of the thrilling mystery of Dark Debts, a cult favorite first published twenty years ago. In this new edition, author Karen Hall has re-imaged her southern gothic tale and the result is a work of even greater power—a brilliantly realized and suspenseful evocation of the conflict between good and evil.An unspeakable curse has consumed a poor Southern family and Michael Kinney, a fallen priest, represents their only hope for salvation. In his struggles to save them from total ruin, Kinney also wages a personal battle to clear his name from a past injustice. As he investigates a deadly hotel fire and sifts through accounts of demonic possession, satanic ritual, and sightings of Jesus, Kinney comes to terms with his own personal demon, an unrivaled terror determined to bring the priest to death before he can find redemption.

Jorge Newbery erased his debts without filing bankruptcy. Now you can, too. Like many Americans, Newbery struggled with debt. But unlike most people, he owed more than $26 million. Creditors swarmed after a natural disaster devastated his multi-million dollar business. The stress was crushing. He needed a way out — and what he discovered will amaze you. His breakthrough came practically by accident. One of his creditors made a sloppy legal mistake, and he battled the creditor all the way to the Missouri Court of Appeals. The court ruled that the entire debt — nearly $6 million — was “inadvertently extinguished.” It didn’t have to be paid. It was completely eliminated. Newbery applied the powerful techniques he had learned to all his other debts. The results were astonishing. One after another, his debts were either settled or gone forever. Now, Newbery reveals his proven debt-cleansing methods. In simple, step-by-step instructions, you’ll learn how to… Assert your rights and defend yourself against creditors. Stop making payments — and turn that to your advantage. End harassing collection calls. Dispute your debts to stack the odds in your favor. Uncover deficiencies that can put money in your pocket. Protect your assets from creditors (100% legally). Negotiate the best possible settlements. Be debt-free for life. Debt Cleanse shows you how to gain leverage over your creditors. You can settle your unaffordable debts for pennies on the dollar – and not pay some at all. Don’t let your debt burden you one more day. This book will set you free.

Winner of the 2015 Moon City Short Fiction Prize

In her debut collection of stories, Laura Hendrix Ezell assembles a harmonious chorus of resilient female voices—many speaking from the margins of their own lives, all contemplating their complicated relationships with the men who influence their trajectories. Set against rural backdrops whose emptiness and isolation hint at constrictive forces rather than wide open spaces, Ezell’s stories capture their characters not only at their most vulnerable and desperate, but also at essential moments of self-discovery, of purposeful recognition of the extenuating circumstances that have shaped their respective fates.

Throughout A Record of Our Debts, Ezell weaves together diverse, distinctive tales with remarkably fluid yet muscular prose that belies the desolate imagery contained within. These are striking, memorable odes to overcoming, though not always in ways that leave the characters whole. These are people who somehow manage to find themselves in the aftermath of loss, who uncover their own modest strengths while surrounded by so much weakness. This is a long, winding road of adolescents forced into prostitution by their own fathers, healers still haunted by the men they could not save, and widows who convert abandoned churches into makeshift diners in the hopes of luring back their husbands’ spirits. In short, this is a powerful exploration of the human spirit at both its best and its worst.

Ezell’s figures extend well off the page, lingering in one’s memory long after the final line. For that, readers owe Ezell a debt of gratitude.

Imogen Quy–rhymes with why–is the witty, compassionate, and relentlessly inquisitive college nurse at St. Agatha’s College, Cambridge University. Unfortunately, St. Agatha’s has seen better days: Its financial affairs are in shambles, and the school is teetering on the verge of bankruptcy.
That is, until billionaire financier and St. Agatha’s College alum Sir Julius Farran decides to pay his alma mater a visit. Things are looking up for St. Agatha’s….but when Sir Julius suddenly dies in questionable circumstances, St. Agatha’s is in danger of closing forever. A nurse is a natural receiver of confidences, and Imogen soon learns that Sir Julius had far more enemies than friends. Her curiosity is initially piqued, but soon turns to alarm when Julius’s equally unpleasant son-in-law is found murdered. The case takes on particular urgency because Imogen’s former flame, Andrew Duncombe, had been working as Sir Julius’s right-hand man. Imogen must work what out really happened before Andrew is implicated in the murders–or becomes the next victim.
In her first case in more than a decade, Imogen Quy calls upon her clear thinking and insight into human nature to seek not only truth but justice. Readers will delight in the return of this “exemplary amateur sleuth” (Publishers Weekly) from a brilliant novelist in the best tradition of Dorothy L. Sayers and Josephine Tey.