Recruiter Technical

Technical recruiters are exclusive recruiter deals with various technical jobs. Technical recruiters deal with direct and indirect IT industry because of its huge openings throughout the world. After globalization and open door policies in merchandising IT companies started searching of best talents from any country and places. Hence, the technical recruitment became as good business providing IT human resources to employers and jobs to IT job seekers.

The technical recruitment has been covered in all divisions in business such as Development/Manufacturing, Sales/ Distribution, Retail, Communications, Customer and technical Services and support, Core Services etc. The technical recruitment business has been dealing with the recruitment of IT professionals in IT companies, base on the needs. Technical recruitment process is designed by the recruiters and operated by various recruiting agents from various places. IT enabled services (ITES) jobs are part of IT jobs are managed by technical recruiting agencies. These jobs are similarly offered as permanent employee, contract jobs, and short term appointment by different companies.

Technical recruiters do certain recruiting processes for screening technocrats to provide the best talents to the job seekers. They emphasize on the technical talent and skill set a candidate has. The recruiting process helps a lot to the technical recruiters for assessment the huge crowd of technical experts. Selecting the best candidates from a crowd is challenge for recruiters. Technical recruiters get the right candidates from the technical institutions, Universities and technical industries.

Technical recruiting firms do resource management that includes Resource Generation Case Study, Supplier Management, Deploying a Partner, and Contacts. By these activities the recruiter takes the responsibility to resource candidates and applicants for the employers to retain the company as a client. The recruiter can operate the recruiting process directly on the client's site or can be operated at the resource partner/firm premises.

IT recruiting firms are the partners of the employers to work for the benefits of a partnership culture. They cooperate with the clients for solving problems, issues and opportunities regarding human resource solution. They show the credibility, quality service to the client and career growth for the job seekers in any crucial situation. Tech recruiters provide best human resources at the right time to the client and services to the candidates for guiding and tips.

KoreOne provides recruitment for technical professionals, who have specialization in different technical domains. KoreOne focuses on the permanent jobs, contract jobs for technical professionals. KoreOne has been delivering of best recruitment outcomes to its clients, candidates. Also, KoreOne advises clients on best-practice technical recruitment methods as well as achieving cost benefits. It is involved in technical recruitment services, placement services, Engineering recruitment services, and Technical recruitment consultant etc.





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If you're on a Chicago attorney search, you may be confused by the sheer number of Chicago area attorneys currently practicing law. You may not be sure how to narrow down your list of potential lawyers, or how to find the right legal specialist for your case.

Where Do You Start Your Chicago Attorney Search?

There are several ways to locate an attorney in Chicago, a Lake County divorce lawyer or an Illinois employment lawyer, but not all of these methods are effective. If you're simply going through the Yellow Pages or using an online directory that doesn't provide more than a location and phone number, narrowing down your list will be difficult at best.

You could call the local Bar Association in your county to get a list of members who specialize in the area of representation you need, but Bar Associations can't give you recommendations that will steer you toward one member or away from another. You'll get facts, but not much more. On the other hand, recommendations from friends or co-workers can go too far in the other direction; their praise or condemnation may be colored by their personal feelings and the outcome of their lawsuit.

Using The Internet - Chicago Attorney Search Made Easy

The best way to do an attorney search is to start on the Internet, then use recommendations or advice from others to fill in any blanks. You'll find that most Chicago attorneys, including Lake County divorce specialists and Illinois employment lawyers, have websites that can give you a lot of information about their practices and what areas of law are their specialties. A well designed website indicates that the attorneys are technologically savvy and dedicated to providing helpful information to clients and potential clients. If you find a site that has a blog with regular articles and updates, even better.

What Do You Look For In A Chicago Attorney Search?

Look for attorneys that have experience and expertise in the specific area in which you need representation. A Lake County divorce attorney should have at least ten years of experience in all aspects of family law, including separation, divorce, and custody issues. An attorney who has served on committees pertaining to family law, such as the Chicago Bar Association's Family Law Committee, can bring a unique perspective to your case.

If your Chicago attorney search is for an Illinois employment lawyer, experience is just as crucial. An attorney who has broad based experience in everything from discrimination and sexual harassment to severance negotiations and non-compete agreements will assure that you are adequately represented. If your Illinois employment lawyer has served on relevant committees or published in legal journals, he or she will be up to date on all aspects of employment law.

The Initial Consultation

Be sure to contact the lawyers you've found during your Chicago attorney search and ask for an initial consultation. In most cases, this will be free of charge, but be sure to ask. At the consultation, each attorney will ask some questions about your situation in order to determine if you have a case. This is also the time for you to ask some questions and gauge whether you are interested in moving forward.

Compatibility is important in any professional relationship, but it is particularly crucial for the attorney/client relationship. Ask yourself if you feel comfortable talking with the attorney. Is he or she explaining the legal process to you clearly? Is he or she answering your questions or evading them? Will he or she be easy to reach if you have any concerns? All of these are important when you're looking for an Illinois employment lawyer, Lake County divorce attorney, or any other kind of legal representation. Taking the time to do a thorough Chicago attorney search and interviewing each attorney will ensure you will be represented in the best way possible.





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Industry analysts speculate that the volume of private student loans, which had dropped in 2008-09 and 2009-10, is poised to make a comeback as federal funding for education declines, especially among private, for-profit institutions.

Recent governmental analysis has shown that about one-fourth of all federal financial aid is directed toward students who attend private, for-profit colleges, even though these students represent just 12percent of the national college population.

Private student loans are non-federal student loans- student loans issued by banks and private lenders, rather than by the federal government.

Private student loans are credit-based loans carrying variable interest rates that can be as much as three to five times as high as the fixed interest rates on federal college loans. Additionally, private student loans don't generally offer the flexible repayment options and borrower hardship protections offered by federal education loans.

The recent substantial drop in the amount of private student loans being issued can be partly attributed to greater publicity of the drawbacks of these loans in comparison to federal student loans.

Consumer advocates, student groups, and the U.S.Department of Education have campaigned heavily over the past three years for the benefits of low-cost federal college loans over private student loans, which the groups maintain are more expensive and higher risk for vulnerable student borrowers, many of whom are financially inexperienced and who may not be aware of exactly what kind of long-term debt burden they're signing up for.

Private Student Loans Poised to Surge at For-Profit Colleges

The student loan default rate among students from for-profit colleges is exceptionally high because these students- a large proportion of whom are low-income, minorities, or returning students- tend to have a harder time translating their for-profit degree into gainful employment, and they're carrying much more student loan debt than their post-graduation income will allow them to repay.

New proposed federal financial aid regulations seek to rein in what critics of for-profit colleges see as runaway student debt levels by instituting a student loan default threshold that would render a for-profit institution ineligible to offer federal financial aid to its students if its students have a sustained high student loan default rate.

A proposed federal "gainful employment" rule would also yank federal financial aid funds from for-profit schools whose students graduate with excessive debt-to-income levels and are unable, in general, to find work- "gainful employment"- that will allow them to earn enough to pay off their student loans.

But in the absence of federal financial aid, private student loans remain the financing of choice among students- particularly in the current economy, with home equity, credit card lines, investments, and college savings largely decimated- and some private lenders are readying to fill in the gaps left by the suspension of federal financial aid at ineligible institutions.

According to analysts, large private student loan lenders like Wells Fargo and Sallie Mae will reap the benefits of the proposed federal financial aid sanctions, which are set to go into effect in 2012.

Lingering Recession Forces Students Toward Pricier Private Student Loans

The re-emergence of private student loans won't be limited to just for-profit colleges, however. The rise, fall, and rise-again of private student loans as a part of U.S.students' long-term financial aid future is tied directly to increases in the costs of college and the failure of federal financial aid to keep pace with the increases.

"Increases in college costs are the primary drivers of increases in student borrowing, especially when need-based grants don't keep pace with higher college costs," Mark Kantrowitz, publisher of FinAid.org, told Reuters.

And as the sour economy drags on, students' need for funding sources to help pay for college will only become greater.

Publicly funded colleges and universities are reeling from a string of spending reductions for higher education and are passing along those losses to students in the form of tuition and fee increases.

"Private student loan volume could grow in the double digits next year because of tuition hikes driven by state budget constraints," said Michael Taiano, a financial analyst at Sandler O'Neill.

At the same time, a record number of students are seeking a higher education, enrolling or re-enrolling in colleges and universities, stretching the federal financial aid budget thin.

"Federal budgets are constrained by how much in aid they can deliver," said FBR Capital Markets analyst Matt Snowling. "So the funding gap is going to be filled by private loans."

As the lender-in-chief for federal college loans, the federal government is also beginning to experience first-hand the impact of a growing number of student loan defaults, as a national populace in the midst of a recession and 10-percent unemployment struggles to keep up with its monthly bills.

Recent graduates are leaving school with record-high debt from student loans and diminished prospects for employment. Parents who in other years might have helped their children pay for college are finding themselves being turned down for federal parent loans because they have joined the ranks of the unemployed and don't qualify for the loans based on their own creditworthiness.

All of these factors are re-opening the door to private student loans, despite the federal government's best efforts to steer families from private student loans to federal financial aid options.

FinAid.org's Kantrowitz predicts that the volume of private student loans will exceed federal student loan volume by 2025. And, as they have in the past, lenders of private student loans are perched, ready to fill in the widening gap between the cost of a college education and the value of a federal financial aid package.

student loans, The Project on Student Debt, gainful employment rule





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Student Loans & Bankruptcy

Student loans are difficult, but not impossible, to discharge in bankruptcy. To do so, you must show that payment of the debt will impose an undue hardship on you and your dependents. Courts use different tests to evaluate whether a particular borrower has shown an undue hardship. A common test is the Brunner test which requires a showing that

1) the cannot maintain, based on current income and expenses, a minimal standard of living for the debtor and the debtor s dependents if forced to repay the student loans; 2) additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period of the student loans; and 3) the debtor has made good faith efforts to repay the loans. (Brunner v. New York State Higher Educ. Servs. Corp., 831 F. 2d 395 (2d Cir. 1987). Not all courts use this test. Some courts will be more flexible, some less.

If you can successfully prove undue hardship, your student loan will be completely canceled. Filing for bankruptcy also automatically protects you from collection actions on all of your debts, at least until the bankruptcy case is resolved or until the creditor gets permission from the court to start collecting again.

Assuming you can discharge your student loan debt by proving hardship, bankruptcy may be a good option for you. It is a good idea to first consult with a lawyer or other professional to understand other pros and cons associated with bankruptcy. For example, a bankruptcy can remain part of your credit history for ten years. There are costs associated with filing for bankruptcy as well as a number of procedural hurdles. There are also limits on how often you can file for bankruptcy.

How to Discharge Student Loans in BankruptcyWhether a student loan is discharged based on hardship is not automatically determined in the bankruptcy process. You must file a petition (called an adversary proceeding) to get a determination. This sample gives you an idea of what your complaint should look like.If you already filed for bankruptcy, but did not request a determination of undue hardship, you may reopen your bankruptcy case at any time in order to file this proceeding. You should be able to do this without payment of an additional filing fee. Chapter 7 of NCLC s Student Loan Law manual includes extensive information about discharging student loans in bankruptcy.

UNDUE HARDSHIP EXAMPLESIt is up to the court to decide whether you meet the undue hardship standard. Here are a few examples of successful and unsuccessful cases.

1. A 58 year old I.R.S. employee making about $38,000/year was able to get his loans discharged. He had taken out the loans to attend a chiropractic program which he never completed. His overall expenses were about equal to his income. He was able to show that it was unlikely that his income would increase until his planned retirement at age 65. He was single with no dependents and had health problems. The court found that he had acted in good faith even though he had never made any voluntary student loan payments.

2. A college-educated married couple proved undue hardship and were able to discharge their loans. They both worked, but had income barely above poverty level. The court noted that the borrowers worked in worthwhile, although low-paying careers. One worked as a teacher s aide and the other as a teacher working with emotionally disturbed children. Even with a very frugal budget, they had $400 more a month in expenses than income. Their expenses included $100 monthly tuition to send their daughter to private school. Relatives paid for most of this and the couple testified that they objected to the public school s corporeal punishment policy. In agreeing to discharge the loans, the court also found that the couple had acted in good faith because they asked about the possibility of a more affordable repayment plan. Not all courts are as sympathetic to borrowers who work in low-paying careers. For example, one borrower was denied a discharge because he worked as a cellist for a n orchestra and taught music part-time. The court suggested that this borrower could find higher-paying work. Another court came up with the same result for a pastor. The court found that it was the borrower s choice to work as a pastor for a start-up church rather than try to find a higher paying job.

3. A number of courts have granted discharges in cases where the borrower did not benefit from the education or went to a fraudulent school.

4. There have been mixed results when borrowers have tried to show that their financial difficulties will persist into the future. For example, one court found that a borrower s alcoholism was not an insurmountable problem, but some borrowers have won these cases. In one case, a borrower s testimony about her mental impairment, including evidence that she received Social Security benefits, was enough to convince the court of undue hardship. The court agreed with the borrower that her ongoing mental illness was likely to continue to interfere with her ability to work. Even if you cannot prove undue hardship, you still might want to consider repaying your student loan settlement through a Chapter 13 bankruptcy plan.

CHAPTER 13 and STUDENT LOANS.A case under chapter 13 is often called reorganization. In a chapter 13 case, you submit a plan to repay your creditors over time, usually from future income. These plans allow you to get caught up on mortgages or car loans and other secured debts. If you cannot discharge your student loans based on undue hardship in either a chapter 7 or chapter 13 bankruptcy, there are still certain advantages to filing a chapter 13 bankruptcy. One advantage is that your chapter 13 plan, not your loan holder will determine the size of your student loan payments. You will make these court-determined payments while you are in the Chapter 13 plan, usually for three to five years. You will still owe the remainder of your student loans when you come out of bankruptcy, but you can try at this point to discharge the remainder based on undue hardship. While you are repaying through the bankruptcy court, there will be no collection actions taken against you. You may have other options, depending on how judges decide these cases in your judicial district. For example, some judges allow student loan borrowers to give priority to their student loans during the Chapter 13 plan. You should discuss these options with a bankruptcy attorney.

Discharge Student LoanThe Where to Go For Help section has more information about finding a lawyer to help you. When shopping around for a lawyer, make sure that you let the lawyer know that you want to discharge your student loans in bankruptcy. You should ask a lot of questions to see if the lawyer understands this process. It is not as straightforward as filing a regular Chapter 7 bankruptcy petition. You should assume the lawyer is not knowledgeable in this area if he tells you that student loans cannot be discharged in bankruptcy. The truth is that you can discharge your student loans if you can prove undue hardship. You should always have an opportunity to talk to a lawyer before you pay anything. Make sure you have a clear idea of what the lawyer will do for you and what you will be charged.

Bankruptcy Tips and FAQs

Q: Is every type of education debt so hard to discharge in bankruptcy?A: No. Most, but not all, student loans will require proof of undue hardship to discharge in bankruptcy. You may be able to avoid this higher standard if you can show that your loans are not really educational loans as defined by the Bankruptcy Code. For example, the standard does not apply to payments for tuition or room and board if you did not receive an extension of credit. Also, the higher standard applies only if you went to an eligible educational institution. That means an institution that is eligible to participate in one of the government student financial assistance programs. Most, but not all, schools fit this category. You should consult a lawyer for more information about whether your loans meet these definitions.

Q: I thought private student loans were treated differently in bankruptcy than federal student loans. Is this no longer true?A: This used to be true, but the law was changed in 2005. The new law is effective for bankruptcy cases filed on October 17, 2005 or afterwards.

Q: If I was previously denied an undue hardship, can I renew my request?A: Yes, if there has been a change in your circumstances.

Q: Do I have to show uundue hardship if I am a co-signer on a student loan?A: Courts have come to different conclusions on this issue, but most have held that co-signers must also prove undue hardship in order to discharge student loans in bankruptcy. As with all bankruptcy cases, it is advisable to consult an attorney if you are a co-signer and considering bankruptcy. The court cases on this issue (and other issues related to student loans and bankruptcy) are also discussed in NCLC s Student Loan Law publication.

Q: Do I have to show that I ve tried strategies other than bankruptcy in order to get a bankruptcy discharge?A: This is not required, but many courts will want to see that you have tried other options such as the income-based repayment plans. You should be prepared to discuss any strategies you have tried or if you haven t tried anything, be prepared to explain why other options were not suitable for you

Q: Why are student loans treated differently in bankruptcy than other unsecured debts?A: Please read this report and blog article. The U.S. House of Representatives recently held hearings on this issue.

Q: Will interest on my student loans accrue during the course of my Chapter 13 plan?A: Generally yes. You may be able to restructure or defer the interest that accrues during the plan, but this won t make it go away.

Q: Will a bankruptcy discharge of my student loans affect my future ability to get student loans?A: It depends on the type of loan. Bankruptcy discharges should not affect your ability to get new federal loans and grants. PLUS loans are an exception. The government will look at prior bankruptcies in considering your creditworthiness for a PLUS loan. A prior bankruptcy will affect your ability to get a private student loan and will also affect the cost of that loan. Private student lenders almost always use credit scores to evaluate loan applications. A bankruptcy discharge will lower your credit score.Student Loan Bankruptcy





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If you're on a Chicago attorney search, you may be confused by the sheer number of Chicago area attorneys currently practicing law. You may not be sure how to narrow down your list of potential lawyers, or how to find the right legal specialist for your case.

Where Do You Start Your Chicago Attorney Search?

There are several ways to locate an attorney in Chicago, a Lake County divorce lawyer or an Illinois employment lawyer, but not all of these methods are effective. If you're simply going through the Yellow Pages or using an online directory that doesn't provide more than a location and phone number, narrowing down your list will be difficult at best.

You could call the local Bar Association in your county to get a list of members who specialize in the area of representation you need, but Bar Associations can't give you recommendations that will steer you toward one member or away from another. You'll get facts, but not much more. On the other hand, recommendations from friends or co-workers can go too far in the other direction; their praise or condemnation may be colored by their personal feelings and the outcome of their lawsuit.

Using The Internet - Chicago Attorney Search Made Easy

The best way to do an attorney search is to start on the Internet, then use recommendations or advice from others to fill in any blanks. You'll find that most Chicago attorneys, including Lake County divorce specialists and Illinois employment lawyers, have websites that can give you a lot of information about their practices and what areas of law are their specialties. A well designed website indicates that the attorneys are technologically savvy and dedicated to providing helpful information to clients and potential clients. If you find a site that has a blog with regular articles and updates, even better.

What Do You Look For In A Chicago Attorney Search?

Look for attorneys that have experience and expertise in the specific area in which you need representation. A Lake County divorce attorney should have at least ten years of experience in all aspects of family law, including separation, divorce, and custody issues. An attorney who has served on committees pertaining to family law, such as the Chicago Bar Association's Family Law Committee, can bring a unique perspective to your case.

If your Chicago attorney search is for an Illinois employment lawyer, experience is just as crucial. An attorney who has broad based experience in everything from discrimination and sexual harassment to severance negotiations and non-compete agreements will assure that you are adequately represented. If your Illinois employment lawyer has served on relevant committees or published in legal journals, he or she will be up to date on all aspects of employment law.

The Initial Consultation

Be sure to contact the lawyers you've found during your Chicago attorney search and ask for an initial consultation. In most cases, this will be free of charge, but be sure to ask. At the consultation, each attorney will ask some questions about your situation in order to determine if you have a case. This is also the time for you to ask some questions and gauge whether you are interested in moving forward.

Compatibility is important in any professional relationship, but it is particularly crucial for the attorney/client relationship. Ask yourself if you feel comfortable talking with the attorney. Is he or she explaining the legal process to you clearly? Is he or she answering your questions or evading them? Will he or she be easy to reach if you have any concerns? All of these are important when you're looking for an Illinois employment lawyer, Lake County divorce attorney, or any other kind of legal representation. Taking the time to do a thorough Chicago attorney search and interviewing each attorney will ensure you will be represented in the best way possible.





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If you're on a Chicago attorney search, you may be confused by the sheer number of Chicago area attorneys currently practicing law. You may not be sure how to narrow down your list of potential lawyers, or how to find the right legal specialist for your case.

Where Do You Start Your Chicago Attorney Search?

There are several ways to locate an attorney in Chicago, a Lake County divorce lawyer or an Illinois employment lawyer, but not all of these methods are effective. If you're simply going through the Yellow Pages or using an online directory that doesn't provide more than a location and phone number, narrowing down your list will be difficult at best.

You could call the local Bar Association in your county to get a list of members who specialize in the area of representation you need, but Bar Associations can't give you recommendations that will steer you toward one member or away from another. You'll get facts, but not much more. On the other hand, recommendations from friends or co-workers can go too far in the other direction; their praise or condemnation may be colored by their personal feelings and the outcome of their lawsuit.

Using The Internet - Chicago Attorney Search Made Easy

The best way to do an attorney search is to start on the Internet, then use recommendations or advice from others to fill in any blanks. You'll find that most Chicago attorneys, including Lake County divorce specialists and Illinois employment lawyers, have websites that can give you a lot of information about their practices and what areas of law are their specialties. A well designed website indicates that the attorneys are technologically savvy and dedicated to providing helpful information to clients and potential clients. If you find a site that has a blog with regular articles and updates, even better.

What Do You Look For In A Chicago Attorney Search?

Look for attorneys that have experience and expertise in the specific area in which you need representation. A Lake County divorce attorney should have at least ten years of experience in all aspects of family law, including separation, divorce, and custody issues. An attorney who has served on committees pertaining to family law, such as the Chicago Bar Association's Family Law Committee, can bring a unique perspective to your case.

If your Chicago attorney search is for an Illinois employment lawyer, experience is just as crucial. An attorney who has broad based experience in everything from discrimination and sexual harassment to severance negotiations and non-compete agreements will assure that you are adequately represented. If your Illinois employment lawyer has served on relevant committees or published in legal journals, he or she will be up to date on all aspects of employment law.

The Initial Consultation

Be sure to contact the lawyers you've found during your Chicago attorney search and ask for an initial consultation. In most cases, this will be free of charge, but be sure to ask. At the consultation, each attorney will ask some questions about your situation in order to determine if you have a case. This is also the time for you to ask some questions and gauge whether you are interested in moving forward.

Compatibility is important in any professional relationship, but it is particularly crucial for the attorney/client relationship. Ask yourself if you feel comfortable talking with the attorney. Is he or she explaining the legal process to you clearly? Is he or she answering your questions or evading them? Will he or she be easy to reach if you have any concerns? All of these are important when you're looking for an Illinois employment lawyer, Lake County divorce attorney, or any other kind of legal representation. Taking the time to do a thorough Chicago attorney search and interviewing each attorney will ensure you will be represented in the best way possible.





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