In simple terms, intellectual property is a product of the human intellect that has commercial value. Intellectual property encompasses a wide range of creations—from fiction, poetry, songs, designs and artwork to ads, product names, mechanical inventions, processes, chemical formulas, machines and software. The commercial value of intellectual property comes from the ability of its owner to control its use. If the owner could not legally require payment in exchange for use, ownership of the intellectual property would have intellectual worth but no commercial value.

One-third of the people who filed for bankruptcy last year used Chapter 13. With the new bankruptcy law making it more difficult than ever to file for Chapter 7 protection, more and more people overburdened with debts will turn to this book for help. Use this book as a guide through the entire process. Find out how to: § determine whether you qualify for Chapter 13 § calculate your debts and income § value your property and assets § create a repayment plan § fill out and file official bankruptcy forms § stop a foreclosure and make up late payments § pay off tax debt, child support, alimony and more § represent yourself in bankruptcy court The 8th edition is completely rewritten to address the bankruptcy reform laws passed in 2005 and it includes all the plain-English legal forms and instructions readers need.