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Once a judgment is issued, the debtor must either file an appeal or pay you.
Following a court ruling, judgment debtors must file a financial disclosure report listing their assets, or a judge may order a debtor to appear in court for a debtor’s examination.
You can collect on a judgment by filing a lien, seizing the debtor’s assets or renewing the judgment.
This article is for business owners who are looking to collect a debt following a court ruling.
When you’re suing a client who owes your company money, the judgment that the court issues might seem final and binding. In reality, however, that both is and isn’t the case. A judgment debtor must indeed pay the debt according to the law, but the courts have little authority to compel payment. That’s why it’s important to know how to collect on a judgment if your debtor fails to pay you.
Editor’s note: Looking for the right collection agency for your business? Fill out the below questionnaire to have our vendor partners contact you about your needs.What happens once a judgment is made?
Once a judgment is issued, the winner of the court case becomes the judgment creditor and the loser becomes the judgment debtor. After the court has issued its judgment, the court clerk sends a written decision to all involved parties. This decision specifies how much the judgment debtor owes the judgment creditor. If you’ve sued more than one individual, the court’s decision will list the total amount that all parties owe you. These parties must then divide the responsibility for payment among themselves.
A judgment is not always official immediately upon being issued by a court. That’s because the judgment debtor has 30 days (or less, in some states or municipalities) to file an appeal. If the judgment debtor appeals, their obligation to pay you is delayed until a new judgment is issued. [Read related article: How to Write a Debt Collection Letter]
If an appeal is not filed, the judgment debtors are legally obligated to pay you. However, the enforcement of this obligation is another matter.
After a judgment is issued, the judgment debtor must either appeal the ruling or pay you, but judgments don’t include enforcement measures.How to collect on a judgment
To collect on a judgment, take the following steps:1. Perfect a real estate lien.
Regardless of whether your judgment debtor files an appeal, you should prepare for the worst — namely, your debtor attempting to hide their assets and thus making collecting your judgment more difficult. You can plan for this possible outcome by perfecting a real estate lien.
To perfect a real estate lien, you must record your judgment with the county recorder’s office. With a lien in place, your debtor must fulfill the judgment before they can sell their building or property. Additionally, a real estate lien may remain valid if the debtor files for bankruptcy.2. Reach out directly.
Sometimes, you won’t need to seize property. You might find that reaching out to the debtor to request payment after a court judgment is enough to compel the payment you’ve long sought. Don’t threaten the debtor or detail how you plan to collect the judgment if you don’t receive it in a timely fashion, but remain firm that the debtor now legally owes you money.3. Choose the right assets to seize.
Wage garnishment, business cash or asset seizure are all valid ways to collect the money your debtor owes you. However, consider the following points as you do so:
Wage garnishment is easy but slow. It’s often straightforward to obtain a writ of garnishment requiring that part of your debtor’s wages be garnished and given to you. However, garnishments are usually capped at 25 percent of the debtor’s wages, making full repayment of your debt a slow process. Additionally, some low-income debtors may be exempt from garnishment, and government benefits payments cannot be garnished.
Business asset seizure requires enforcement. Only law enforcement authorities can seize cash, money stored in business bank accounts or other assets. Additionally, they may charge a fee for their services. However, if your debtor’s assets are valuable enough to cover their debts, seizing these assets may be worthwhile.
Personal asset seizure is even more complicated. If you’re going after a debtor’s personal property, they likely have equity, which is the difference between an item’s current value and its loan value. Many states forbid judgment creditors from seizing a certain amount of equity from debtors. These rules mean that homes, vehicles, investment accounts, electronics and jewelry can be tough to seize.
Occasionally, you can file judgments with licensing boards. If the judgment debtor is a remodeling or building contractor, you may be able to file your judgment with the relevant state licensing board. In doing so, your debtor could lose their license if they do not comply with the judgment. However, this route is viable only in extremely specific circumstances.
Given the above considerations, you’ll need to weigh the ease of collection against the urgency of the debt repayment. Should you pursue wage garnishment but wait far longer to collect your full debt? Are you willing to work with sheriffs or marshals for business asset collection? Is the potentially large value stored in your debtor’s personal assets worth the work to obtain the amount you’re owed?4. Renew your judgment.
As mentioned above, judgments aren’t permanent. However, they are renewable — a feature that can help with debts that take years to collect (which aren’t unheard of). A renewed judgment is often valid for as long as the original judgment was valid, starting from the date of renewal. Each state’s court system handles judgment renewals differently, so speak with a debt collection lawyer about how to go about this process.5. File a satisfaction-of-judgment notice.
After the debts are paid, the judgment creditor submits a “satisfaction of judgment” notice to the court. This notice informs the court that it can close the case. Similarly, if you perfected a lien on the debtor, you would file paperwork with the aforementioned recorder’s office.6. Hire a collection agency.
Using a collection agency is often viewed as a measure to be taken after standard communications with a nonpaying client have failed but before a lawsuit is filed. Some collection agencies, however, specialize in collecting debts from debtors who defy judgments.
There are freelance creditors, too. However, for small business debt collection, agencies may be too expensive to merit their work, given what they are likely to recoup. Some agencies may take up to half of the debt they collect as their payment, though others may take closer to 25 percent. In either case, you’ll pay quite a bit.
If, though, you feel that a collection agency is your best route for collecting on a judgment, consult our recommendations for the best collection agencies to find the right partner for your needs.Judgment debtors and assets
Shortly after a judgment is issued, the debtor must file a financial disclosure statement. In this statement, the debtor lists all of their assets. If they fail to complete this step, a contempt-of-court charge can be issued.
Alternatively, a judge can demand the debtor to appear in court for a debtor’s examination. Judgment creditors should attend this examination, and the debtor should disclose all of their assets in each of these categories:
Checking and savings accounts
Business ownership shares
Trusts and inheritances
Safes, vaults and other secure storage spaces
Personal property, including homes, vehicles and jewelry
Property transfers, as properties transferred for prices below their fair market value may indicate fraud intended to circumvent debt
If a judgment debtor doesn’t appear for an ordered examination, the judge may issue an arrest warrant.
Judgment debtors must disclose all of their assets in a financial disclosure form or appear in court for an examination. If they don’t, they risk additional charges or arrest.Which judgment debtor assets should you pursue?
In an ideal world, a judgment against a debtor would immediately compel the debtor to repay their financial obligation to you in cash. However, some debtors may still resist payment. In this case, you may be able to seize certain assets by doing the following:
Garnishing the debtor’s wages
Taking cash or assets directly from businesses the debtor owns
Seizing real estate or vehicles
Often, the first two approaches are easier than the third one.How long does it take to enforce a judgment?
Judgments are valid for different periods of time, depending on the state in which the lawsuit was filed. For example, Pennsylvania has an enforcement period of five years, while approximately a dozen states allow enforcement for up to 20 years. Consult the applicable state court, or speak with a lawyer to determine how long you have to enforce the judgment.
However, as mentioned earlier, a judgment is not, in and of itself, enforceable. If the judgment debtor still refuses to pay, only certain authorities can move forward with enforcement.
Did You Know?
The time during which you can enforce a court judgment varies by state and can range from four to 20 years.Collecting on judgments the right way
If a client’s nonpayment is affecting your bottom line, you have recourse. But even if you already have a legal ruling in your favor, you’ll need to put in more work. Following your ruling, you should pursue repayment or hire a collection agency to obtain the money you’re owed.
While this process can be emotionally turbulent, you’re chasing the debtor because they failed to live up to the promise of paying you. And when money is how you sustain your life and business, going after what you’re owed only makes sense.
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If you are using Firefox as your main Internet browser but are suddenly having issues with it launching. It starts to launch then closes almost instantly. This article will show you several different things you can do to solve the issue to get Firefox working properly once again. More likely than not, this is a Windows issue, not a Firefox issue.
Related: How to widen tabs in Firefox. Make Firefox tabs wider.
Firefox is usually a pretty stable web browser that gets any job done whilst giving you the best privacy experience. It’s fast, easy to use and offers more customisation than any other browser on the market. This is why Firefox failing to launch, even after a clean installation is such a strange issue.
Fix Ubisoft Games won’t launch chúng tôi chúng tôi chúng tôi was not found. (Ubisoft Connect)
Thankfully simply reinstalling Microsoft Visual C++ Redistributable for Visual Studio 2023, 2023 and 2023 will fix the issue and allow Firefox to launch again. If you aren’t sure how to do this, follow along as we show you how.
How do you fix Firefox not opening? Even after a clean install.
As we mentioned above, this issue is a Windows-based issue and one that can easily be fixed by reinstalling Microsoft Visual C++ Redistributable for Visual Studio 2023, 2023 and 2023.
When you are on the download page, choose the version that matches your system. Either x86 x64 or ARM64. Once you have the file on your computer reinstall it or use the repair option. If installing this doesn’t solve the issue, download Microsoft Visual C++ Redistributable for Visual Studio 2012 Update 4 as well and reinstall or repair the installation. Once you have done so. I generally like to Restart my computer after installing both of these just to make sure everything is finalised. After a system Restart, you should be able to open Firefox normally without having to do another reinstallation.
What if Firefox still won’t open on Windows 10 or 11 after a clean installation?
If the above steps still didn’t work for you, you’ll need to make sure that the Microsoft account you are using to sign in to Windows 10 or 11 isn’t restricted by family settings. If your account has any restrictions in place you won’t be able to use any other browser other than Edge. You can check if this is the problem by creating a brand new Microsoft account and Windows user (with admin rights). One you have done both you should be able to sign into Windows and use Firefox or any other browser.
Learning to ride a bike is a rite of passage in many families and communities, and that means the ability to teach someone how to ride a bike is an equally important skill. The first few tries can be scary for kids, but finding the right balance, and coordination will be easier if they have a confident teacher guiding them. That’s where you come in.
Now, it’s not entirely natural to perch atop a pair of wheels, and falling is a near-certainty until a child has found their bike legs. Challenges are part of the process, but there are a number of ways that you can help the kid you’re teaching get comfortable on two wheels with limited trouble.Ditch the training wheels—balance bikes are best
If you’re in your 20s or older, you probably remember learning to ride a bike with clunky training wheels bolted to the back wheel. These two extra wheels got us up on the bike and learning how to pedal. But they do a terrible job teaching the hardest and most important part of riding a bike, which is balance, according to Phil Yip, a certified cycling instructor with the League of American Bicyclists who teaches with Bike East Bay and the San Francisco Bicycle Coalition. The far superior alternative, he says, is to start on a balance bike.
Balance bikes are simple. They’re just like small regular bikes, except without pedals. Riders propel themselves forward by pushing with their feet on the ground, essentially running with the bike beneath them. New riders can walk as slow as they want while seated on the bike, and as they get comfortable, start to move faster until they naturally lift their feet and glide farther and farther. Once they’ve mastered staying upright with their feet off the ground and can turn with a combination of the handlebars and leaning, it’s easy enough for them to hop up on a regular bike and learn the nuances of pedaling, starting, and stopping. There’s often no need for training wheels at all. One study found that children who started on a balance bike learned to ride a pedal bike around 4 years old on average, while those who started on a bike with training wheels didn’t learn until they were closer to 6.
[Related: The best bikes for kids]
I started my kids on balance bikes when they were about 2 (they’re twins), and in a couple of weeks they were zooming and gliding faster than I could keep up with on walks around our neighborhood. When we introduced pedal bikes a few months before their fifth birthday, they got the hang of riding in two short driveway practice sessions and could easily start on their own without a push a few days later. They used training wheels for a total of 30 minutes, and that was only because we bought the bikes fully assembled and they refused to wait for me to take them off before hopping on.
Even if your kids are older, or you’re trying to teach yourself as an adult, balance bikes are a great way to start. If you can’t find a larger balance bike or don’t want to buy one, Yip suggests removing the pedals from a regular bike and lowering the seat so the rider’s feet rest flat on the ground.Create a fun, safe space for learning
Riding can be scary at first, so it’s important that kids start off in a comfortable environment. “Start in a flat, traffic-free area, such as a park or a quiet cul-de-sac, where your child can practice without distractions or dangers,” says Peter Ballin, a former international mountain bike racer, UCI Mountain Bike World Cup mechanic, and bicycle coach out of Morzine, France. “Ideally, start them on grass so it’s softer if they fall.” They shouldn’t have to worry about navigating around dangers or running out of space. Let them focus solely on riding.
It’s also important to remember that learning new skills is uncomfortable, so don’t push kids too hard, Yip says. After all, riding a bike should be fun. If the kids aren’t enjoying it, or are getting stressed from too much pressure, they’re going to have a harder time learning. “It’s better to let the child learn at their own pace,” he says. There’s no set amount of time that it should take. In Yip’s classes, students sometimes move from a balance bike to a pedal bike in a single day, but others might take weeks or months to get comfortable with the transition—and that’s OK.
Ballin adds that as your child improves, giving them little challenges can be a fun way to keep them engaged and pushing themselves without undue pressure. He recommends setting up simple obstacle courses for your kid to navigate, or racing against a clock to keep them motivated and excited to learn.Don’t forget to teach safe riding habits, too
Teaching a kid to ride a bike isn’t only about guiding them through balance and pedaling. They also have to learn about safety. First is the importance of wearing a helmet anytime they’re out riding. One analysis found that wearing a helmet could reduce the risk of head injuries by 45 percent, brain injuries by 33 percent, facial injuries by 27 percent, and deaths by 29 percent. I’ve seen the value of a helmet in action—one of my kids took a pretty bad balance bike spill and landed on the road on his face. The rim of the helmet saved him from no more than a split lip. Without the helmet, I’m sure it would have been a trip to the hospital instead.
[Related: Essential bike maintenance tips everyone should know]
Helmets are most effective when they fit properly. The National Highway Traffic Safety Administration has a clear and detailed document on how to adjust a helmet to an adult’s or child’s head. Basically, you want the helmet level on the head, low on the forehead, the “V” of the straps tight under the ears, and the chin strap snug enough that only a finger or two can fit under it. If a helmet is too loose, or in the wrong position, it may not do its job.Learning in a group can help kids get over their fear
If your child is struggling, or too afraid to hop on the bike, getting more people involved might be helpful, Yip says. If they have a friend, neighbor, or relative who can already ride a bike, try to get them together so your child can mimic what they’re doing. Sometimes seeing someone close to their age doing a feared activity can be all the motivation a kid needs to try something new.
Classes are another option. In addition to providing people for your child to watch, sometimes kids need to learn from someone other than a parent or caretaker, particularly if you find yourselves getting frustrated by a lack of progress. Classes can also be a validating experience for kids who might be embarrassed that they don’t know how to ride yet, Yip says. They’ll see people of all ages who are also learning to ride, and realize that there’s no shame in not having mastered the skill yet.
And once your child is up and running on their bike, so to speak, biking groups and classes are a great way to expand their, and your, knowledge about cycling. Whether it’s getting more comfortable with street riding and racing, diving into the exciting world of BMX, or heading up into the hills for some mountain biking, there are a ton of ways to expand their skills and keep them in the saddle.
Being a good leader and a responsible steward of your resources is essential in everything from making a salad to building a spaceship.
To make a salad, you have to buy the vegetables and fruits, cut them, make the dressing, toss everything together, and maybe sprinkle some pumpkin seeds on top.
To build a spaceship, well, this is a little more complicated. You have to concept, build systems, put them together, test them, fail many, many times, keep tweaking, and keep testing until you are absolutely sure your tin can can safely carry people to space and bring them back.
For leading or being part of any enterprise, from the salad to the spaceship, there is a framework or formula that guides the journey. But what defines the success of that journey and the outcomes is often what is beyond that framework and can come down to how you lead your team.
Here we will talk about how to be a better leader and how you can embrace the obstacles of business leadership and help people grow along the way.1. Always Do the Right Thing
Item number one might seem general and undefined, but it is far from that. While it is easier said than done, we should strive for it in order to become a better leader.
We are often leaning on habit, familiar approaches, and one-sided perspectives and blindly fighting for them. As leaders, we should not.
The path of least resistance comes naturally, but it is the worst teacher.
Avoid shortcuts and use these tips to pressure-test your working habits by using these leadership tips:
Get another opinion on that documentation that will serve as a blueprint for 100 people.
Reread that email before you send it to make sure you do not sound condescending.
Invite people to share their opinions with you in order to get more perspectives and find the best solutions.
Go through your web code one more time and clean up redundancies.
We make hundreds of choices per day, and in 95% of them, we can always do the right thing if we put our mind to it.
Always doing the right thing means when in doubt, get more opinions, and improve your leadership. It also means to communicate well and to keep everyone in the loop, be open-minded, react calmly, and treat people with respect.
It’s not rocket science. It is certainly closer to making a salad.2. Learn With a Humble Mind
Keep an open mind, a beginner’s mind, and you will open the doors for better understanding, communication, and relationships as both a leader and as a team member. Listen, ask questions, and let your team help guide you in the right direction.
If you are moving to a new team or your pool of responsibilities is growing, you can carry over your existing leadership framework, but you will need time to soak in the nuances of your new responsibilities.
For example, if you are moving from assembly line optimization to supply chain streamlining, you can carry over a lot of the technical knowledge and continuous improvement practices. But you are moving from working on a project with a central hub to likely one with many hubs and broader dependencies.
Supply chains are fun. Take a t-shirt for example. Often the cotton is grown in one country like Egypt. The textile is made in another country like England. The t-shirt maker can be based in a third like Germany. The t-shirt can be sewn together in a fourth like Bangladesh. And the market can be in a fifth like the US.
Your assembly line gets stretched across cultures and continents. A lot of the rules of thumb are the same, but a lot of the variables are different. Allow for learning time, adjust for culture, and put people first.
This also applies to coming into a new team or managing a new team. You have to make adjustments for the company culture, learn the ins and outs of your people, and refine your leadership strategy to best serve your collective group.3. Remember that One Size Fits One
Yes, you read that right, one size does not fit all. This adds complexity but builds relationships.
Take note of the styles of communication and preferred channels of the different people on your team and groups you interact with and adapt your own. Be open-minded and know when to take a step back to expand your perspective.
This goes for both internal and external stakeholders. Keep client files with detailed notes on what they like — and what they don’t.
The famous New York restaurateur Danny Meyer took this practice to the next level with his first restaurant Union Square Cafe.
His team took notes of all regulars and inputted them into the reservation system. Things like what dishes they have had and liked, do they have any allergies, do they like extra butter with their bread, what wine they like, and so on. Every time a regular returned, these notes were broadcasted to the team that would accommodate them.
This is the stuff of legendary success. The devil is in the details. And by following this practice for your team, you can become a better leader.4. Set & Maintain a Reasonable Pace
Getting things done is important but it should not come at the cost of burning out your team.
Say you are ultra-progressive and want to continuously collect feedback and improve everyone’s day-to-day. You want to migrate systems and standardize processes. That is all good, but major shifts are disruptive and need to be paced.
Strive for marginal changes when possible. Think evolution rather than revolution.
Speed has its place but it needs a high degree of transparency and openness. Or you risk tripping and breaking something.5. Create a Culture of Transparency
Another leadership tip is to emphasize the importance of open communication. Use multiple channels to communicate and record developments. Different people prefer to receive information in different ways so try to accommodate a broad spectrum.
Here is an example:
Let your team know that at the next meeting, we will talk about how to make a salad.
Demonstrate on the meeting itself.
Send a follow-up email with key takeaways.
Post the recipe and the instructions in the internal wiki.
Check-in over chat two days later if anyone has any follow-up questions or suggestions on how to improve the recipe.
This diligence fills in communication gaps and saves time. You are eliminating pockets of knowledge-hoarders and giving everyone the opportunity to participate. You are going to get more feedback and suggestions, and that will help you find the best solutions with optimal swiftness.6. Take Communication to the Next Level
Conveying information to large groups is hard. And it takes hard work to achieve an above-average engagement rate for your team.
These are subtle bits and pieces that can help you improve your communication as a leader:
Be humble but enthusiastic.
Express calmness (calm smile, calm stare, calm tone, calm pace).
Engage with humor when possible.
Maintain interest with relatable examples — use more examples than theory.
Go beyond the facts and create emotional bonds with your audience or team.
Strive to reach a level of inclusion and trust.
Aim to inspire, entertain, energize, and fascinate.
Practice your presentations to improve flow.
The more well-rounded your communication style is, the more information will get across. The fewer mistakes will happen. The happier your team and clients will be.7. Plan for Changes Outside of Your Control
In any business, there are going to be factors outside of your control that you, as a leader, have to navigate — not only for yourself, but for your team. This could be changes happening in the industry you work in, or changes happening within the company itself.
As a leader, you have to prepare for and mitigate these changes to keep your team running smoothly. And, not only that, but you have to communicate these changes swiftly and effectively to keep your team informed but still feeling secure and supported.
The only way you can really plan for change is by instilling a culture of flexibility and transparency within your team so when changes do arise, your team feels like you’re on their side and have their best interests at heart.8. Allow for Differing Viewpoints
Groupthink is what happens when you discourage creativity or different opinions within your team and can lead to bad business practices and harmful decision-making.
To avoid this, encourage your team members to share when they disagree with a decision — whether it’s for a single project or for a larger initiative.
The larger the project or initiative, the more difficult it is to conclude it successfully based on a single perspective. You can likely make a salad on your own but you cannot build a spaceship.
This is where constructive feedback comes in. Encourage your team to share different viewpoints with other team members and with you as their leader. This will produce opinions, ideas, and conversations that have the power to unearth flows and suggest fixes.
This single practice can be your ultimate engine of growth. And when done right can take you to a place where you build more trust within your team and become a better leader.9. Trust the Process & Grow
When you trust your team and tools and the way all pieces interact, you can do legendary things together.
This doesn’t mean to kick back and relax and let the invisible hand of commerce find its own equilibrium. It means that if you do most of the things above well, you can become a better leader with a team that succeeds. You will reach a level of comfort that will allow you to be even more proactive. And you will have the bandwidth to look for creative ways to drive growth.
This will open the doors to continuous efficiency, creativity, and measured risks that lay the foundation for sustainability and exponential growth.To Recap
Keep in mind the journey to becoming a better leader is a marathon, not a sprint. The more you apply these principles, the more you will learn. And the better you will get at understanding your environment and at empowering your team.
Again, here are the nine best ways to be a better manager and leader:
Always Do the Right Thing
Learn With a Humble Mind
Remember that One Size Fits One
Set & Maintain a Reasonable Pace
Create a Culture of Transparency
Take Communication to the Next Level
Plan for Changes Outside of Your Control
Allow for Differing Viewpoints
Trust the Process & GrowAbout the Author
Milen Vasilev is a manager of the LOCALiQ SEO team. He moved from New York to Texas in mid-2023 and shortly after joined the LOCALiQ website team. Before that, he was a copywriter and still enjoys writing the occasional blog post on topics he finds interesting. His guiding principles are: team first, continuous improvement, and embracing the spirit of challenge. When he is not keeping up with the ever-evolving SEO world, he likes watching sci-fi movies and going on long hikes.Guest Author
Our guest authors are industry experts, marketers, or business owners who cover a range of topics from sales, marketing, data, and entrepreneurship.
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After taking a well-earned break away from one’s blog, it is normal to face some issues while indulging in blogging again. Many bloggers leave blogging for work, holidays or lack of ideas. However, you have to learn some strategies to make a strong comeback to blogging. No matter how much time you stay away from blogging, in this post we will share some techniques that will help you to restore your passion for writing.Back to Blogging
Read the information shared in the below passage to get back to blogging after a long break.
If you have taken a long break then chances are high that your web hosting account or domain name might be expired. Make sure to create a list of all necessary things. For example, you will need to update hosting plan, domain name, email, etc. In case, your hosting plan and the domain name is still active, then ensure to update your theme and all plugins that you’re utilizing on your blog. This way you will perfectly re-engage in a worthy activity in a hassle free manner.2. Recycle Your Old Posts
This is the most effective way to set back to blogging after a long time. Consume some time to figure out old post or content, which you can reuse to recall your memories. One of the best ways to recycle old content is to change it into a different form. For instance, you can make an infographics, video or presentation of your old content. By doing this, you will not only revise your content but also revise your knowledge and skills.
3. Create a Blogging Schedule
Once you have updated your blog, do some efforts to create a blogging schedule. Your new schedule will help you to get back to blogging after a long time easily and effectively. This is because blogging requires a great proportion of time from your daily routine.
By having an appropriate schedule you will easily manage sufficient time for planning, research, writing, revising and marketing round of your blog post.4. Develop a Comeback Post
The best way to get back to blogging world is by informing your comeback. You can create a post and share your experience of a long break to your subscribers. And the best way to do it is to create a short and interesting video that will cover all important aspect of your break.
Keep in mind to share the experience of your break and how much you miss your audience in your new post. Don’t forget to inform about your comeback, through your social media profiles, as it is the most effective source to share any hot news.5. Come Up With New Ideas
It’s extremely important for bloggers to take a fresh start with unique ideas. There are various ways to come up with new ideas including networking with people, brainstorming, researching and reading books. Try to read something new on daily basis and meet with positive mind people to quickly come up with something great.
Furthermore, ensure to redesign your blog by updating the theme and images you use in the header. In this way, you will truly get the positive energy to run your blog after a long time.
Scranos: A New Malware After Your Account Credentials
While link. These are the few activities that leave traces of our information on the web. Our surfing preferences, name, maybe our location as well. And now a new malware has emerged that is targeting these traces and the minute user details associated with it, which are out there on these sites with our permission to
Also Read: How MacOS Deal With MalwareWhat is Scranos?
Image Source: TechRepublic
Romanian organization, Bitdefender, via its Cyber Threat Intelligence Lab started research in November last year, that was dedicated to analyzing the potential threats of a newly discovered password-stealing malware operation. That malware had initially targeted Chinese businesses, however, it has recently spread wings and has now infected home systems and organizational networks. Scranos has now infected systems in more than ten nations and has been prevailing heavily in India, as per Bitdefender’s official report on the malware.
Scranos, which apparently is being improved continuously by its anonymous developers, has a range of attacking abilities, which may leave the best of systemHow Scranos Work?
Scranos uses rootkit software, which is installed in the target’s system to gain its control and steal users’ important accounts’ passwords and even financial login details.
Now, what’s a rootkit?
Image: Digital Technology
A rootkit is a software that provides administrative control of the target’s system to the hackers. This software can be injected by prompting the user to download an application, which contains the rootkit in it. The application, technically
This is how Scranos is injected into a system. Scranos has been using an application, which is digitally signed using a fake or compromised certification. This application drops the rootkit in the targeted system in a manner that system administrators are unable to detect it. Once installed, the rootkit then communicates with the server used by the attackers to execute further malicious activities byHow Scranos Use to Steal Passwords and Other Information?
Image Source: Emerging EdTech
It targets all sorts of browsers that your system supports, including the widely used ones such as Chrome, MS-Edge, and Firefox. These browsers have saved cookies from the sites we explore on the web. The cookies can offer information such as names, site preferences, browser history, and user’s location. Such information allows sites to smoothen your site visits and experience. Scranos scrutinizes the browsers to obtain this information, steal saved passwords, and gain login credentials to your online banking portals.How We as Users Makes it Easier for Scranos?
Image Source: Vector Stock
For one, we hardly log out from our personal computers and we hardly take the load to delete browser history. A lot of us save passwords as well to enable direct logins and even save card details on payment gateways to enable easier payment modes. The social media accounts on our computers are mostly logged in the entire time.
This way, it becomes a piece of cake for the attackers to steal our passwords and financial account logins, as well as misuse our social media profiles via identity theft and information abuse.What Scranos Is Capable of?
Once in, Scranos can do all sorts of malicious activities that would largely impact both identity and associated information of any home user or organization, along with jeopardizing their financial accounts.
From the information stolen from the browser history and hijacked social media profiles, Scranos can help attackers commit fraud and online crime in your name.
Scranos can misuse users’ financial accounts by stealing their login credentials and enable fraudulent transactions.
Image Source: TechTheLead
Once Scranos offers admin control to attackers, it can help them inject the targeted system with more malicious
Image Source: Malwarebytes
Scranos can also inject adware extensions, which would further increase your systems’ vulnerability to cyber-attacks.
It can target a victim’s friends from Facebook and other social media profiles by sending them phishing messages and rootkit application to increase its reach.
Furthermore, it can hijack your YouTube account to promote malicious adware campaigns for further commercial gains.Discoverers’ Comments
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In a published report, the researchers at Bitdefender have claimed that Scranos is much more capable of malicious acts in comparison to adware campaigns. Since it’s in early development stage, it hasn’t been able to make a global impact, but it has certainly increased its reach at a fast pace. It is suggested that most targets would be organizations as it seems the attackers wish to use Scranos as ransomware for obtaining money in exchange for regaining of administrative control over the systems. While the research is still on, it has been speculated that Scranos may be disguising a more powerful third-party malware.
Must Read: 2023 May Have Malware In Every Device Says McAfeeWhat can be Done to Remove Scranos?
As per the report, the first thing to do should be killing the rundl32.exe process in the task manager. Besides this, thorough cleaning of browser history and cookies is also recommended. The report also suggests changing of account passwords and deletion of suspicious browser extensions is also a way to remove the injected code from the system.
Scranos is a new thing in malware trends and its rootkit-based nature is something not very common. Most of the malware attacks are based on malvertising and phishing, however, this seems to change the benchmark. Since tens of thousands of systems are already infected, it’s time that a possible solution to permanently counter Scranos is introduced.Quick Reaction:
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