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Divorce Attorneys in Jamaica

What’s the process to obtain a divorce in Jamaica?

Under Jamaican law a valid marriage may be terminated only by the death of one of the parties or by a decree of dissolution or divorce; a Decree Absolute pronounced by a court of competent jurisdiction. Therefore, where a spouse dies a divorce is not needed as the death ipso facto ends the marriage.

DIVORCE PROCEEDINGS IN JAMAICA WEST INDIES

Divorce proceedings in our jurisdiction are governed by the Matrimonial Causes Act (The Act). Essentially, the dissolution of a marriage is a judicial act and so cannot lawfully be obtained by any other means otherwise than by a court hearing. Divorce proceedings in Jamaica are dealt with in the Supreme Court of Judicature which is the only court of competent jurisdiction.

By virtue of section (5) of the Matrimonial Causes Act, there is only one ground required to show reason for the divorce and that is, that the marriage has broken down irretrievably. It follows that if the Court is not satisfied that there is an irretrievable breakdown of the marriage and so there is a reasonable likelihood of the parties resuming the marital relationship then the divorce will not be granted. Either party to the marriage who believes that the marriage has broken down irretrievably and so there is no likely prospect of reconciliation may apply to obtain a decree for the dissolution of the marriage. The application is by way of petition and so the applicant is the petitioner and the other spouse, the respondent.

In establishing to the court’s satisfaction that there is irretrievable break down of the marriage and a Decree Nisi is warranted, the petitioner must satisfy the court that they have separated and thereafter have lived separately and apart for a continuous period of not less than 12 months before the date of filing the divorce petition. Even where the parties may continue to reside in the same house or rendered some household services to the other, the Court may nevertheless find that the parties are separated and lived separately apart. It is the circumstances of the living arrangement that will be examined by the court in this regard to see if there is separation in fact and law.

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Did you know that divorce affects the relationship between parents and their children? Read this article for tips on how to reconnect with your child after a divorce.

In this article, we examine the processes and intricacies involved in obtaining a divorce in Jamaica.

Who Is Eligible For A Divorce?

To qualify to make an application for divorce in Jamaica, the petitioner must be either:

* A Jamaican national

* Domiciled in Jamaica at the commencement of the proceedings

* Resides in Jamaica and had done so for at least 12 months immediately preceding the commencement of the proceedings.

Grounds For Divorce In Jamaica

Petitioners are not required to outline the circumstances leading to the breakdown in the relationship.

Irretrievable breakdown of the marriage is the only grounds for accessing divorce in Jamaica and this is determined by the court.

However, the court is obliged to enquire whether the parties have attempted counselling and whether there is any possibility of reconciliation.

The Process

Separation

The court will be satisfied that the parties have separated for a continuous period of 12 months even if they resumed cohabitation for an insubstantial time for up to three months in an attempt to reconcile during that 12-month period. The 12-month period would not have been interrupted in spite of such an attempt.

The parties could still be viewed as separated if they continue to cohabit in the same dwelling. This could be considered, for example, if one of the partners has removed from the matrimonial bedroom into another bedroom in the home, ceases to engage in sexual relations, or ceases to carry out household duties such as washing, cleaning or cooking on their spouse’s behalf.

Getting An Attorney

Under the new Civil Procedure Rules, divorce can be sought without an attorney, however it is advisable to get the assistance of an attorney or visit the Legal Aid Clinic for assistance.

Lawyers can provide support by:

Drafting the divorce petition

Obtaining the marriage certificate

Lodging the petition in court

Serving the petition on the respondent

Drafting documents outlining the plans for the care, maintenance and support of children

Requesting that the divorce be granted without a hearing

Negotiating for the settlement of property

Filing For Divorce

Step 1 – Filing the Petition

Once filed, the petition is not immediately returned to the attorney for service on the respondent. The first delay occurs due to the insertion of a step which, although not stipulated by the Matrimonial Proceedings Rules, requires the court’s registrar to vet the petition before signing and stamping.

Even where there are no errors in the documents, the petition may take an average of one month to be signed. It could take longer, if an error is noted, which would involve the petition being refiled.

Step 2 – Applying for Decree Nisi

Fourteen days after the petition has been served on the respondent (in Jamaica), who raises no challenge to the divorce proceedings, the petitioner may submit an application to obtain the first order in the divorce proceedings – the decree nisi.

The application is supposed to be submitted to a judge to be considered without the need for a hearing. What seems like a simple process in theory, could result in an average of six months before the application is placed before a judge.

Step 3 – Applying for Decree Absolute

Six weeks after decree nisi is granted, the petitioner may apply for the final order in the divorce proceedings (decree absolute). This, too, is an application which goes before the judge for consideration without the need for a hearing. It could take upwards of two months for the application to be placed before the judge.

If the couple has been married for less than two years there are some changes to the process that must be considered.

The affidavit in support of the application for permission to file a petition within the first two years of marriage must:

Provide proof of the marriage (e.g. a copy of the marriage certificate)

State the special circumstances which justify the hearing of the petition

Give particulars of any attempted reconciliation (an affidavit from the marriage counsellor would be helpful)

State whether there is a reasonable likelihood of a reconciliation

State whether there are any children, their names, ages, dates of birth and the arrangements for their care, maintenance and upbringing; and

Exhibit a copy of the proposed petition.

Contesting A Divorce

In some cases, one party to the divorce may not be ready to ‘throw in the towel’. In such cases, the divorce may be contested. It is then likely to take longer for a date to be fixed for the hearing and the petitioner may have to prove all the facts set out in the petition, including the fact of separation and that there is no possibility of resuming cohabitation. These situations do not occur frequently.

Possible Delays

The registrar of the Supreme Court vets and corrects each and every petition for dissolution of marriage before it is signed and returned to the attorney for service on the respondent. This process could take as little as three weeks or as long as eight weeks.

If there are errors in the petition, the registrar will notify the attorney so that the errors can be corrected and the petition resubmitted for signing. The time period for the completion of this process cannot be easily determined, as the petition could then go to the back of the queue before it can get signed.

  1. When the application for the first order in the divorce proceedings (decree nisi) is filed, there is no formula for determining when it will be submitted to a judge for consideration. It could take as long as three months for the documents to reach the hands of a Judge. Some attorneys have resorted to having the matters heard in open court rather than waiting for them to be considered on paper.

The address for the Supreme Court of Jamaica is Public Building East,Barry St, Kingston, Jamaica.

FREQUENTLY ISSUED REQUISITIONS WHEN PROCESSING DIVORCE DOCUMENTS

Divorce documents are processed in accordance with the provisions of the Matrimonial Causes Act, the Civil Procedure Rules, 2002 (Amended) and various Practice Directions. Draft Forms were amended by the Rules Committee.

Please see Prescribed Form as Amended (Jamaica Gazette No.49 of 2015 and No.49c)

General Requisitions

  1. Failure to conform to the wording of the Prescribed Forms, particularly standard paragraphs.
  2. Failure to comply fully with requisitions issued or to comply at all.
  3. The name of Petitioner/ Respondent does not correspond with what is presented on the marriage

certificate.

  1. The place of marriage and the name of marriage officer do not correspond with what appears on the

marriage certificate.

  1. The names of the Petitioner, Respondent or relevant child(ren) are not consistent throughout all the

documents filed.

  1. The date of birth of relevant children is not consistent throughout the documents filed.
  2. Jurat of Affidavits are defective i.e not signed, dated and place sworn is missing.
  3. The Justice of the Peace does not write out his/her name or indicate the parish to which he/she is

assigned

  1. The dates of particular documents are not correctly stated or referred to.
  2. Failure to serve the Respondent/Respondent’s Attorney with the Notice of Application to Dispense

with Hearing and the Supporting Affidavit where an Aknowledgement of Service is filed.

  1. Failure to file a County Clerk Certificate to verify the commission of the Notary who witnessed

Affidavits where such Affidavits are sworn in a non-commonwealth country.

  1. Not including an e-mail address in the footnote of the documents.

2

Petition

  1. The parties have not been separated for a year prior to the date of presentation of the Petition. See

section 5(2) of the Matrimonial Causes Act.

  1. Where the Petitioner or Respondent is a female – failing to state how the person is described in the

marriage certificate.

  1. Where the female does not take the name of the husband, failing to state that the said person did not

take the name of the husband.

  1. Where parties continue to reside in the matrimonial home, albeit being separated – not adequately

describing the nature of separation to satisfy the Court that the parties are living separate and apart.

  1. The Petition is not signed or dated.
  2. Not stating the marital status of the parties at the time of the marriage.
  3. Omitting the date of separation or not stating the said date clearly in the petition.
  4. The name of the marriage officer and the place of marriage are not consistent with what is stated on

the marriage certificate.

  1. To state the address the parties resided as husband and wife and since when.
  2. State whether there were any attempts made at reconciliation.
  3. The address for service of the Respondent is not the same as the address provided for the Respondent

in the body of the Petition.

  1. No Acknowledgement of Service Form filed or only one Acknowledgement of Service Form filed.

Affidavit Accompanying Petition

  1. Name and date of birth of the relevant child/children not stated or is stated incorrectly.
  2. Failure to state how each party contributes financially to the maintenance of the relevant

child/children.

Affidavit of Service

  1. Process Server is to state his occupation to determine the eligibility of the person to serve. Police

officers are not permitted to serve civil documents – See Section 13 of the Constabulary Force Act.

  1. Dates of the documents served are incorrectly stated (especially the date of the Petition which is often

confused with the date of the Notice to the Respondent).

3

  1. Failing to state the reason service was effected on the Respondent at an address different from the

address provided for the Respondent in the Petition.

  1. Failing to file original photograph where respondent was identified by means of a photograph.
  2. Where the respondent was identified by means of personal knowledge, Process Server failing to state

whether he/she knew the respondent to be the spouse of the petitioner and for how long.

Affidavit of Search

  1. The date the search was done is missing.
  2. The search must be sworn and filed on the same day on which the search is conducted.
  3. The period of the search is missing.
  4. Jurat incomplete.

Notice of Application to Dispense with Hearing

  1. The date of service is incorrect.
  2. The date of the marriage is incorrect.
  3. The relevant provision of the CPR being relied on is not stated in the ground.
  4. Where an amended petition is filed after service of the petition, failure to include a request for an

order to dispense with service of the Amended Petition.

  1. Not including or correctly stating the period of time within which an Acknowledgment of Service or

Answer is to be filed.

Affidavit in Support of Notice to Dispense with Hearing

  1. The date of separation and the circumstances that led to the breakdown of the marriage does not

accord with what is stated in the Petition.

  1. The original marriage certificate (in the new format) is to be filed/ exhibited to this Affidavit.
  2. Failing to state whether any attempts were made at reconciliation.

4

  1. Where the Petitioner is present at the time of service, failing to state that he/she was present and that

he/she pointed out the Respondent to the Process Server as being his/her spouse.

  1. The information with regards to the relevant child (ren) is not updated or is inconsistent with the

information in the Affidavit Accompanying Petition.

Decree Nisi

  1. The name of parties/relevant child(ren) and date of birth/place of marriage incorrect.
  2. Paragraphs 2 and 4 are not worded in accordance with Form MP.8 of the 2015 Amendments to Part 76 of

the Civil Procedure Rules as Amended.

  1. Insert in brackets after the Petitioner’s/Respondent’s name the following ( described in the marriage

certificate as…) in cases where the names appear different on the marriage certificate.

  1. Inclusion of orders for custody and access where none was prayed for in the Petition or not including the

said orders where same has been prayed for and granted by the Court.

Notice of Application for Decree Absolute

  1. Pre-mature applications. Applications filed before the expiry of the 6 weeks from the date of the

Decree Nisi.

  1. Application not dated.
  2. The date of the Decree Nisi incorrectly stated.
  3. The name and title of the Judge or Master who granted the Decree Nisi is;

(a) Incorrectly/ incompletely spelt or

(b) The wrong name stated

Affidavit of Search

  1. The date of the Decree Nisi incorrectly stated.
  2. Period of Search not included.
  3. The date search was conducted, the date the Affidavit was sworn and filed not corresponding.

5

  1. Jurat incomplete.

Affidavit in Support of Notice of Application for Decree Absolute

  1. Copy of signed Decree Nisi not exhibited.
  2. The date of the Decree Nisi incorrectly stated.
  3. The name and title of the Judge or Master who granted the Decree Nisi

(a) Incorrectly/incompletely spelt or

(b) The wrong name stated.

  1. Names and dates of birth of relevant child/children not correctly stated.
  2. Arrangements for the relevant child/children not properly set out or updated.
  3. Prayer at the end of Affidavit not included.
  4. Jurat incomplete.

Decree Absolute

  1. The date of the Decree Nisi incorrectly stated.
  2. The name and title of the Judge or Master who granted the Decree Nisi (c) Incorrectly/incompletely spelt or

(d) The wrong name stated

    1. Wife’s name as described in marriage certificate not properly stated or stated at all.
    2. Date and place of marriage incorrectly stated.
    3. Amendments to marriage certificate not observed.

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These are some common rug cleaning spots, and ways to acquire rid of them

I don’t vibes past I have to say anyone that those rug cleaning a skin condition are expensive, but the worst part is that they’re not even guaranteed to work. If your rug has a stain that won’t budgeeither because it’s too old, or because it’s set inyou may be tempted to pay a professional to attempt and acquire it out past more. But even if they succeed, there’s no guarantee that it won’t come back. You may be better off finding a mannerism to cover happening or hide the spot than you are investing in exasperating to acquire it out for good.

There are two ways you can urge on prevent stains from coming back:

There are many natural and chemical products on the market to urge on cut off a skin condition from your carpeting. The most important concern to complete past you spot a stain is to cut off it as soon as possible, in the past it becomes permanent.

The first step in removing any stain is to blot it past a clean white cloth or paper towel. Blotting will stop the flow of the liquid into the fibers of the carpeting and prevent any more color from instinctive deposited into the carpeting.

Carpet stains should be treated as soon as possible. past the stain has had mature to set, it will be much harder to remove. You can use a clean white cloth or paper towel to blot out any excess liquid that may have been deposited into the fibers of your carpeting after you have removed as much excess as attainable from the surface. This will minimize seepage into the fibers below.

Reputable Mira Mesa Carpet Cleaning Business

rug cleaning california – rug cleaning california

Carpet Cleaning California has been providing residential and announcement rug cleaning facilities in Sacramento, California, in the past 1993. We pay for vibes rug cleaning facilities to our customers at the most affordable prices.

Future of rug Cleaning

Carpet Cleaning California’s well ahead plans are to take forward their concern in the Sacramento area. The company is planning to accumulate more trucks and staff, who will be clever to pay for even faster facilitate for their customers.

Shout Out for rug Cleaning California

Carpet Cleaning California does not have any shout outs.

Carpeting is an excellent other for home design. It can accumulate a soft, compliant lie alongside to any room and will always look elegant. The main concern past carpets is that they come past an inherent problem: they acquire dirty. Some carpets are soiled by the people who wander higher than them all day, though others have to agreement past a steady stream of dust particles and dirt falling on top of them from above. Either way, the dirt has to be dealt past if it’s going to stay in place. For many people, cleaning the rug is a simple task that can be over and done with all week or month depending on the traffic in the house, but for others it can be a hard fight adjacent to obdurate dirt and stains. past you’re just not getting anywhere past your regular rug cleaning routine, it might be mature to call in the pros.

If you’re looking to acquire your carpets cleaned by professionals, you have some options understandable in California. First off, you’ll have to adjudicate whether you want to hire a company that specializes in cleaning carpets or one that furthermore offers new facilities past touching and storage. The first other will urge on you acquire that rug cleaned right away without any provocation or confusion, but the second other may keep you some keep if you need.

Local Mira Mesa Carpet Cleaning
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Refi Mortgage Calculator AZ

Tips to Lower Your Costs on a Mortgage Loan Refinance in Arizona

Being able to obtain a lower rate of interest is the most effective method for house owners to save money when refinancing. Refinances are frequently possible as a result of lower mortgage repayments and a lower interest rate. There are many methods to reduce costs when re-financing a mortgage. These consist of methods to make your financial profile much more attractive to lenders so you can qualify for a lower rate. These are some methods to save cash on a mortgage re-finance.

Lenders commonly promote no closing cost loans. This sounds great up until you recognize that the higher rate of interest mean even more costs. Ask your mortgage broker or loan provider regarding what occurs if you have to pay costs or discount rate points. “Discount Points” describes the expense to buy a lower rate of interest. The even more basic term “points”, nonetheless, might refer to any type of upfront fees that are calculated as a percent from the funding total. It allows you to pay even more every month to minimize your principal by paying the loan provider’s rate of interest acquisition costs.

Low credit scores can result in a higher rate of interest, and also higher costs to lower that rate. For the very best online mortgage rates, a 740 credit history is needed. Home owners must validate their credit score prior to making an application for a mortgage re-finance. You can ask for it to be fixed and after that deal with improving your rating. Settling credit card and also various other financial obligations can assist improve your rating by as much as 70 to 80 points. Credit card financial obligations can be decreased by shutting bank card and also opening up new accounts when refinancing your mortgage. This will likewise improve your credit score.

A cash-out re-finance can be appealing if you are wanting to borrow against your house equity by refinancing to a reduced loan rate. If your house’s worth goes down once more, it can likewise lead to even more equity being lost. You could lose all your equity if you determine to move within a couple of years. Compare apples to apples when looking for lenders. Ensure you obtain more than the finance amount and also terms. You could save cash by refinancing with the exact same lender. It could save you time and also documents, as you are currently a customer.

An appraisal is not needed for every single mortgage re-finance. This is where a professional assesses the property’s worth. Nonetheless, an appraisal can assist if the property is better than the loan provider claims. This could minimize your LTV, assist you prevent private mortgage insurance and also supply a lower rate of interest.

It can be beneficial to make your house look far better to prepare for an assessment. Refinancing your financing at a lower rate of interest can appeal to house owners who want to lower their regular monthly mortgage repayments and also receive a lower mortgage rate. It can be harder to obtain these reduced rates than simply walking in to a loan provider and also accepting the very first rate provided. Debtors can obtain re-finance rates that are lower by utilizing the methods over.

refinance mortgage calculator arizona

Exactly How Can Refinancing Save You Money in Arizona?

Your objective is to exchange your current mortgage for one that reduces your rate and also increases your equity quicker. It is essential to be aware of the most common errors and also just how to prevent them when refinancing. Locating the most affordable rate of interest is a essential part of refinancing your residence. This will optimize your savings, and also make house re-finance even more worthwhile. This is simply one aspect of the equation. You have numerous alternatives to maximize a re-finance. These are the top techniques you must be following:

When you request a mortgage re-finance, one of the most crucial standards lenders will take into consideration is your credit report. One factor credit score improvement– from 679-680– can minimize your mortgage fees. This is $1,000 per $100,000 borrowed. Quick rescore can likewise assist to remove errors and also increase credit rating by approximately 100 points in a matter of days. A current study of nearly 6,000 consumers exposed that more than a 3rd located credit score reporting errors. Nearly 12% of study individuals uncovered errors that could influence their financing rate of interest. Greater rate of interest will increase your regular monthly repayments and also the long-term price of your home mortgage. It remains in your best interests to recognize credit score errors early and also repair them.

A Consumer Financial Protection Bureau study located that nearly half of house owners just requested a quote from one loan provider. Customers who were provided rates from a number of mortgage lenders saw their rate of interest visit approximately 50 basis points (0.50%). A cash-out re-finance can assist house owners obtain even more worth. This could be used to invest in house enhancements, university education and learnings, or promising businesses. You may likewise take into consideration a house equity lending, or house equity credit limit (HELOC), if you are wanting to borrow against equity for a much shorter term.

Refinance to a mortgage with a much shorter term is a common technique that house owners utilize. Refinances with 15-year terms are becoming much more preferred. You could likewise make added principal repayments to minimize your repayment duration. This technique allows you to avoid the high regular monthly repayments that a 15-year mortgage would certainly involve.

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Persian Rug Repair Del Mar

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Welcome to Oriental Rug Specialists

Expert Oriental Rug Cleaning, Repairing and Restoration

Welcome to Oriental Rugs Specialist, San Diego County’s best source for Oriental rug cleaning, repair, and restoration services. In business since 1929, we have eight decades of experience our customers can total on and excel at maintaining and restoring a spacious range of natural and synthetic fiber rugs and associated textiles, including Afghanistan rugs, Belgium rugs, Bokhara rugs, Chinese rugs, Couristan rugs, Flokati rugs, Indian rugs, Karastan rugs, Kilim Moroccan rugs, Navajo rugs, Pakistani rugs, Persian rugs, Sisal rugs, Stark rugs, Turkish rugs, and more. We never use unfriendly chemicals or abrasive scrubbing machines; instead, we intentionally and fully hand clean all rug that enters our facility. Additionally, we are terribly proficient at unadulterated rug repair and restoration, which includes everything from dye touch-ups to refringing to hole repair. We stand at the rear all of our acquit yourself following a 100% satisfaction guarantee and tag each rug during transit for security purposes. By providing quality workmanship following personalized service, competitive prices, and free pickup and delivery, we have earned a stellar reputation for value in the course of our customers in San Diego County and beyond.

At Oriental Rugs Specialist, we always allow the time to safeguard the integrity of each Oriental rug’s fibers and dyes. We intentionally inspect each rug since treating it and rely on our family’s time-tested hand cleaning approach. By using compressed air to separate dirt, grit, sand, and dust, and later submerging the rug in a series of baths for decontamination, hand washing, and rinsing, we effectively disinfect, sanitize, and clean it. This process is with ideal for removing pet urine stains, food stains, wine stains, mold, mildew, smoke odors, and extra substances from antique, semi-antique, and extra Oriental rugs. After the rug cleaning process is complete, our team of master weavers will address any rug damage caused by time, moth infestations, chemicals, pets, unsuitable care, or high pH cleansers. following an average of 35 years of experience, they are experts in rug reshaping, rug reweaving, color bleed correction, edge-work blocking, edge binding, re-dying, patching, sleeve casing repair, and many extra rug repair and restoration services.

To learn more more or less our San Diego Oriental rug cleaning, repair, and restoration services, have enough money us a call today. We are reachable seven days a week and have enough money free estimates throughout San Diego County, including Oceanside, Carlsbad, Vista, Encinitas, Del Mar, Solana Beach, reduction Loma, Coronado Island, Chula Vista, and reachable areas. ask us more or less our 20% discount on rug repairs and restoration acquit yourself for large Oriental rugs and tapestries.

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Persian Rug Repair Del Mar

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Welcome to Oriental Rug Specialists

Expert Oriental Rug Cleaning, Repairing and Restoration

Welcome to Oriental Rugs Specialist, San Diego County’s best source for Oriental rug cleaning, repair, and restoration services. In business before 1929, we have eight decades of experience our customers can complement on and excel at maintaining and restoring a broad range of natural and synthetic fiber rugs and amalgamated textiles, including Afghanistan rugs, Belgium rugs, Bokhara rugs, Chinese rugs, Couristan rugs, Flokati rugs, Indian rugs, Karastan rugs, Kilim Moroccan rugs, Navajo rugs, Pakistani rugs, Persian rugs, Sisal rugs, Stark rugs, Turkish rugs, and more. We never use rasping chemicals or abrasive scrubbing machines; instead, we purposefully and abundantly hand tidy all rug that enters our facility. Additionally, we are terribly intelligent at solution rug repair and restoration, which includes whatever from dye touch-ups to refringing to hole repair. We stand behind all of our pretense like a 100% satisfaction guarantee and tag each rug during transit for security purposes. By providing atmosphere workmanship like personalized service, competitive prices, and pardon pickup and delivery, we have earned a stellar reputation for value in the middle of our customers in San Diego County and beyond.

At Oriental Rugs Specialist, we always understand the grow old to safeguard the integrity of each Oriental rug’s fibers and dyes. We purposefully inspect each rug before treating it and rely on our family’s time-tested hand cleaning approach. By using compressed ventilate to cut off dirt, grit, sand, and dust, and later submerging the rug in a series of baths for decontamination, hand washing, and rinsing, we effectively disinfect, sanitize, and tidy it. This process is plus ideal for removing pet urine stains, food stains, wine stains, mold, mildew, smoke odors, and extra substances from antique, semi-antique, and extra Oriental rugs. After the rug cleaning process is complete, our team of master weavers will quarters any rug damage caused by time, moth infestations, chemicals, pets, unsuitable care, or high pH cleansers. like an average of 35 years of experience, they are experts in rug reshaping, rug reweaving, color bleed correction, edge-work blocking, edge binding, re-dying, patching, sleeve casing repair, and many extra rug repair and restoration services.

To learn more approximately our San Diego Oriental rug cleaning, repair, and restoration services, give us a call today. We are user-friendly seven days a week and give pardon estimates throughout San Diego County, including Oceanside, Carlsbad, Vista, Encinitas, Del Mar, Solana Beach, lessening Loma, Coronado Island, Chula Vista, and user-friendly areas. ask us approximately our 20% discount on rug repairs and restoration pretense for large Oriental rugs and tapestries.

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