Marista's Cuba Business Filing For Bankruptcy? Read On!

Filing For Bankruptcy? Read On!

If you have been thinking about filing for bankruptcy,consider an Arizona tax relief program first. Bankruptcy is a huge stressor,not to mention costly,so it’s a good idea to weigh your options first before you do anything drastic. A qualified Arizona tax attorney can:

Orlando tax relief company

Analyze your entire tax bill to see if there are any areas where you could be saving money. Then,review your financial circumstances to figure out just how much you could afford to pay to the IRS in one lump sum or in smaller monthly payments. Explain the various Arizona tax debt options to discuss each choice and explain why you feel that using them is in your best interest. A qualified Arizona tax relief attorney can make suggestions as to how to get started with getting your debts back under control and how to continue making your payments in a responsible manner once you have done so.

IRS tax relief services

Once you and your attorney have determined that you are eligible for an Arizona tax relief program,you will be given approval to set up a payment plan. This plan will outline how you will pay your debts over a certain period of time,usually years,until they are completely paid off. You will then be required to make a small monthly payment to the company handling your debt,which will be taken directly from your bank account on an installment basis. Your tax relief company will handle making the required monthly payments on your behalf until all of the debt is eliminated. In Arizona,non-profit organizations such as churches,charities,and nursing homes are some of the qualifying organizations for this type of program.

Tampa tax relief company

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How To Fix An Image Upload Error In WordPress – A Step-By-Step GuideHow To Fix An Image Upload Error In WordPress – A Step-By-Step Guide

Are you experiencing the image upload problems on your WordPress website? Most beginners find this issue confusing because the image upload errors can occur without making any changes to the website’s settings.

However,among the most usual image problems in WordPress is a failure to upload images. By good luck,fixing this error is quite easy,and anyone can do it.

Now,we will explore how to fix the image upload problem in WordPress without sweating. Also,you will have to learn is what causes this problem and how to avoid it in the future.

And in case we miss anything specific to your situation,reach out to us here: -

What are the Causes of the Image Upload Error in WordPress?

Usually,the main cause of the image upload problem in WordPress is incorrect file permissions. Your web-hosting server stores your WordPress files,and it requires particular file and directory permissions to function.

Therefore,WordPress cannot read or upload the file on your hosting server if file permissions are wrong. In turn,you can get this error when you upload an image file:

Unable to create directory WP-content/uploads/date. Is its parent directory writable by the server?

In addition,the other sign of this problem is a situation where your images are not visible from the media library.

Was Your Website Working Well Before This Issue?

If that’s the situation,then you should know that this could happen because of various reasons.

If you are on a cloud hosting server,then a misconfiguration is enough to alter your permissions without authorization. For example,an upgrade made on your web-hosting server can change your file permissions.

However,you can fix this issue in case everything else is functioning well on your site. To do so,you need to use the right file permissions.

Now,come with me and learn how to fix this problem.

How To Fix Problems With Image Uploading In WordPress

The solution for fixing your image upload issue depends on whether the problem occurs to all images or one image.

Here’s what to do if the problem happens to all the images:

  • Disable your plugins,especially those that optimize images.
  • Examine if your PHP version is the cause of the problem.
  • Increase the WordPress and PHP memory limits of your website.
  • Change the file permissions.
  • Go to the Media Settings page and delete the file path.

On the other hand,if the problem occurs to one image:

  • Decrease the resolution of the image.
  • Rename the image.

We will start with solutions for one image,followed by solving issues for all other images:

1. Rename your file

If this issue occurs to one of your images,try to rename the file on your computer before you upload it to your WordPress. Ensure your file names do not have apostrophes,as they tend to make this error occur.

Besides that,ensure you write all your file names using lowercase letters. If this fails to work,try to change the file type. For example,convert a .jpg file to .png file.

2. Optimize your image prior to uploading

The uploading of large images leads to various issues. One of those issues is the image upload problem. Besides that,it can make you reach your website memory limit faster than the expected time.

The best solution is to avoid uploading a normal blog post image that exceeds your content width if it is not a header or featured image. To find out your content width,open any post on your website,and right-click anywhere in it. After that,select Inspect Element.

Click on every arrow to open the code until you spot a class named “content.” Once you spot it,hover your mouse over it. In turn,it highlights the content area of your blog post. This comes alongside your content width in a small pop-up box that is yellowish in color.

3. Delete the File Path from your Media Settings Page

Although this solution is not popular to this issue,it works in some cases. Go to your WP Dashboard>>Settings >> Media. Is there a file path that has a textbox showing where you need to upload the files? Delete the text in that textbox and then save the changes.

What do you do if the Media Settings page says otherwise? If you just see dimensions for images alongside a setting that needs you to organize your files in a month or year folder,this solution will not help.

4. Disable all Your Plugins

Are you optimizing your images using any plugin? If any,try to disable it before you upload your images and check if the issue disappears. Alternatively,disable all your plugins and see if that fixes the solution. If your website has grown and now uses many plugins,then you are about to hit the memory limits – the reason you cannot upload media files.

If disabling your present image optimization plugin worked,get another one to fix the problem. Alternatively,contact the developer of that plugin for solutions.

5. Increase the Memory Limit of your Website

If disabling all your plugins in step 4 worked,then you are near your PHP and WordPress memory limits. In most cases,this happens if you use a shared hosting server because shared servers have memory limits for their users.

In such a case,you need to request your host to increase your memory limit. However,you can do so if you are not a shared server. All you need is an FTP server to access your website,and then edit your files while adding code to them.

6. Change File Permissions

First,you need to use an FTP client like FileZilla to connect to your site. After that,go to /WP-content/folder. Here,you will see the uploads folder. WordPress keeps all your media uploads in this folder.

Next,right-click on the Uploads folder,and then choose File Permissions.

As a result,you will see the file permissions dialog box. Here,you need to change these settings:

  • First,set the numeric value to 744.

After that,check the Recurse into sub-directories box. Next,select the “Apply to directories only” choice.

Eventually,to save your changes,click on the “OK” button. In turn,your FTP client starts implementing your file permissions on the directories.

However,if changing the directory permissions to 744 did not fix the issue,try a numeric value of 755.

To apply file permissions to all files,change your numeric value to 644. Next,check the Recurse into subdirectories box,and then click the “Apply to files” button. Finally,click on the “OK” button to save your changes.

7. Change Your PHP Version

WordPress development uses the PHP language. Although WordPress recommends the use of PHP 5.6 version or recent,you can use PHP version 5.2.4 and above.

To fix the image upload problem,you can either upgrade to the recent PHP version or downgrade to the previous version. To do so,go to your cPanel>> Programming,services>>PHP Config.

Note:

You should back up your website before making any changes. If you are a beginner,ask your host whether you can use your PHP version. A single change can break your entire website.

Conclusion

Although this issue is mysterious to most WordPress users,you can easily fix it by following the above steps. If you are unable to fix this issue by yourself,contact your hosting provider for assistance.

Furthermore,you should consider hiring a developer if you are a new WordPress user. Your site might have a specific and uncommon code issue. Fixing this kind of problem is harder,like managing a WordPress website.

If you have any questions,comments or suggestions on how to fix the image upload problem in WordPress click the link for more info. -

Debt Relief And Queries Asked About Debts That Are “Charged Off”Debt Relief And Queries Asked About Debts That Are “Charged Off”

Charged off debt is the step taken by your creditors when you are not able to settle off or continue on with your regular bill payments. But this is not as bad as creditors make it out to be. Although it should be avoided to keep a healthy credit score rating,it is not the end of the world.

What exactly happens when your account is charged off and why is this even used by your creditors and bill collectors? As dictated by accounting standards,companies write off your account to zero value in their books and mark it as bad debt. This usually happens from three to six months after non-payment on your obligations. They take this course to reflect the account as an amount that can no longer be collected – but it does not mean that they will totally put down efforts to collect the debt.

There are a couple of things to remember when faced with the predicament of having your account charged off. The first one is to keep a cool head and not let the situation dictate unnecessary actions on your end that could complicate the situation further. Communicate with your creditor right away to discuss the minimum monthly payments you need to see through to keep your account current. As much as possible,never give your checking account details and stick with the monthly payments. Although most agreements start off with verbal engagements,always follow through with a black and white version of what was discussed. Make sure the agreement is binding by having it signed by all concerned parties and notarized to express intent to participate.

These pointers can keep you from having your account charged off. Being able to keep your account current contributes to a good credit standing on your part. This opens a lot of better financial options for you in the future.

In the event your account has been charged off,you have to remember that it is not too bad and you can still make good out of this financial situation. Deal directly with your original creditor and consult on a payment plan. If possible,try to negotiate a fifty percent or less down payment on the total amount due. This is a show of good faith that you intend to pay off your debt and also helps you lower down your monthly payments. Paying off an amount that could go to your principal saves you interest payments down the line. As you are talking to your creditor,work out a way to get the charge off lifted from your credit score. This is a long shot but it is worth the try. If your current creditor does not want to negotiate further,you can wait for your account to be assigned to another agency and try to negotiate your terms again with them.

It is true that having your account charged off should be avoided by keeping your payments current,it is not the end of everything when it happens to your account.

To help you understand this scenario better,here are common questions that are asked about debts that are “charged off”:

How long will it take for my account to be charged off?

An account that has not been paid for 180 days will be charged off.

What is the effect of this on my credit score?

A charged off account will lower a credit score significantly. This will make it harder for the consumer to get financial aid in the future.

How does a collector come into the picture?

When your debt is charged off,creditors usually forward it to a separate collection agency. They are commonly third party collectors who will take over the collection activities in behalf of the creditor. You will have to deal with them for then on.

Debt Settlement Program And The Unspoken Underwriting GuidelinesDebt Settlement Program And The Unspoken Underwriting Guidelines

A lot of us these days are thinking of getting into the debt settlement (“DS”) business but we still do not know what the underwriting guidelines are for enrolling a qualified client into a DS program. When talking about underwriting a DS client,we are not thinking about how to qualify a client for a new loan or revolving line of credit. Instead,we are just reviewing the client’s overall financial situation to see if the client can make the necessary monthly payments into the client savings account each month during the term of the DS program. Therefore,when applying DS underwriting guidelines,we are not talking about a maximum DTI (debt to income) ratio at all. Instead it’s just a bit of common sense that is being used when underwriting a potential DS client.

There’s three unspoken underwriting guidelines for a debt settlement program. Read on,we list them below:

  1. You will need to figure out the maximum term for the DS program. For example,the maximum term may be 30 months for total debts in the sum of $12,500 to $20,000 whereas some back-end DS companies will allow the program to be as long as 48 months for debts totaling more than $30,000.
  2. Most DS companies have minimum debt amounts and minimum monthly contributions. Minimum debt may be from $7,500 to $10,000 at most DSCs while no individual unsecured debt will be accepted below $500.
  3. Clients must have a job or some source of monthly income that shows that they can make the monthly payment to build up funds for the settlements with the creditors. One back-end DS company that we recently contacted required all clients to be able to provide a minimum of $275.00 per month in the client savings account.-