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Aspergillus is a genus of mold that can be found indoors. Some species of this genus can be detrimental to human beings and pets and have the ability to cause Aspergillosis.

Aspergillosis is the name of a variety of different diseases that are caused by Aspergillus molds. Those who have weak immune systems, such as infants and the elderly, and those who have compromised immune systems, such as people with HIV, AIDs, or other diseases that weaken the body are particularly at risk to develop one of many forms of Aspergillosis.

The symptoms of Aspergillosis can include cough, chest pain or trouble breathing, and fever. Typically only people with immune systems that are already weak or who already suffer from other kinds of lung diseases are in danger of developing the disease. Major forms of the disease that occur in human beings are allergic aspergillosis, which affects cystic fibrosis, asthma, and sinusitis patients, acute invasive aspergillosis, and disseminated invasive aspergillosis. The most common species of Aspergillus molds that cause diseases in humans and animals are Aspergillus fumigatus and Aspergillus flavus.

Something named after the Aspergillus genus is an aspergilloma, which is also called a mycetoma or a fungus ball. This is a collection of fungus which exists in a cavity in a person or animal’s body such as the lungs and Aspergillus is the culptrit of most of these infections. Most people who have aspergillomas don’t have any symptoms that are related to the fungus growing inside them and so people often live for decades without knowing about their infection. The most common symptom of having aspergillomas is the coughing up of blood or hemoptysis; this blood loss is usually not consequential, merely a sign that aspergillomas could exist in the body.

These diseases not only occur in humans, but also in plants and animals. Wasted grain with aspergillus mold colonies growing on it and feed lots in the area around Burley, Idaho is suspected to have caused the death of over 2,000 mallard ducks. Moldy grain was also the cause of death in about 500 mallards in 2005 in Iowa.

While some Aspergillus molds can be harmful to human beings, other molds from this genus are used commercially, particularly in Japan where beverages such as sake are fermented using Aspergillus oryzae. Aspergillus niger is also used as a major source of citric acid and it accounts for over 99% of the globe’s citric acid production and this is total to more than 4.5 million metric tons a year.

Article By Aspergillus Mold - Connecticut Wet Carpet Extraction

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Your friend calls you and says he needs to speak to you right away.  After a few minutes he tells you that unless he pays his landlord the rent by 5:00 p.m. he and his family will be evicted.  He states that if you will just lend him $800.00 for a short time he will definitely pay you back.  You reach into your wallet and count out eight one hundred dollar bills.  You slide the money into your friends hand and he thanks you and waves good bye.  Fast forward one year and you have yet to see a penny of the money.

First every agreement should be in writing.  It should specify how much is being borrowed and when the money will be repaid.  All too often the lender and borrower are friends and it is somewhat uncomfortable to discuss the signing of a formal agreement.   If you friend seems surprised or annoyed by being asked to sign an agreement than do not lend him the money.  Ask yourself why would they resist signing an agreement if they intended to repay the money.

A formal agreement is the only way that everyone can be assured of no misunderstanding as to the terms of the agreement.  Another way to protect yourself is to loan the money in the form of a check so that there is additional written confirmation of the obligation.  Additional means include retaining some personal property as collateral or if the buyer owns a house, obtaining a mortgage on the house. The later methods are generally reserved for more significant loans.

What if the borrower fails to repay the loan?  You can institute suit in the appropriate  Court of Law for the amount due and owing.  If the amount is less than or equal to $3,000.00 suit can be filed in  the small claims court.  Amounts over $3,000.00 and no more than $15,000.00 should be filed in the special civil part.  Generally, suit must be filed in the county where the defendant/borrower resides.

Even if you are successful in court the is no guarantee that you will actually recover the money you loaned.  A successful litigant merely gets a judgment for the amount found to be due and owing.  It is than incumbent upon the lender to try and collect on the judgment.  Once a judgment is entered the lender may be entitled to post judgment interest.

In short lending money even to friends can be a risky proposition.  In my humble opinion you should not lend money that you are not prepared to never see again.  If you never see the money again chances are you will never see your friend again either.

The NJ Personal Attorney Advice and information contained in this article is intended for general informational purposes only.  The facts of every case can vary.  There is no substitute for a consultation with an attorney