LawyerForYou: Blog LawyerForYou: Blog https://www.lawyerforyou.org/blog/ Copyright by LawyerForYou en LawyerForYou Wed, 26 Jun 2019 07:03:11 -0400 5 Factors to Consider When Choosing a Car Accident Attorney

If you have recently been involved in a car accident, you’ll definitely want a car accident attorney to represent you so that you can focus on your recovery. However, with so many car accident attorneys, how do you choose the best attorney who can represent you well and get the maximum compensation for your injuries?

Before helping you figure out, you need to understand that a good car accident attorney should be able to ensure that all the paperwork are filled, offer a general legal advice, give you a settlement estimate, and collect the necessary evidence to strengthen your case, negotiate with your insurance providers, and represent you in court when necessary.

The only challenge is that all car accident attorneys claim to provide high-quality legal representation with close to 100% success rate! Accordingly, making the right selection can really be a challenge, especially if you are doing it for the first time.

As a guide, here are the top 5 essential factors that you need to consider when selecting a car accident attorney in Baltimore:

1. Specialty

The most critical factor to consider when looking for a car accident attorney to handle your case is whether their main area of practice is personal injury law. This is the only guarantee that they understand the ins and outs of car accident injury cases. What’s more, an attorney specializing in personal injury law has definitely gained integrity among Baltimore insurance companies and consequently has less to prove in a bid to achieve a positive resolution for his or her clients.

2. Fee Structure

Filing a car accident lawsuit can take time and be costly for many injured clients. Common fee structures that you’ll find in Baltimore include hourly, flat rate, contingency basis, and a mixture of hourly and contingency structures. To ensure that you don’t spend much, opt for lawyers who offer contingency payment plans. This implies that you don’t pay anything unless your attorney recovers for you some money in the form of settlements. However, it is still critical to understand the percentage that you will owe your attorney and how the attorney’s fees are calculated.

3. Reputation

Like any other professional service out there, not all car accident attorneys in Baltimore have good reputations, especially among the clients that they have served before. Accordingly, ensure that you check whether the attorney you plan to hire has a good name among his or her past clients. You can check this on their websites or third party review sites.

4. Is attorney ready to take your case to trial?

This is another crucial factor that you should consider when looking for a good Baltimore car accident attorney such as https://marylandaccident.com/baltimore-accident-lawyers/ Well, not every case need to go to trial; in fact, a bigger percentage of car accident cases will settle. However, an attorney who is not prepared for trial may encourage you to accept a settlement proposal that is way less than what your case is really worth.

5. Clear Communication

Lastly, go for an attorney who is ready to let you know how they plan to handle your case. They should provide a succinct guideline on the litigation process, the fees, and values among other things. If you have any question about the case, they should give you plausible and direct answers. If they cannot provide clear insights during your initial appointment, there are high chances that they may not be a good fit.

Final Verdict

There you have it; 5 practical factors that you should keep in mind when choosing a car accident attorney in Baltimore. Now, when you finally get a good attorney, remember to give him or her enough space to handle your case. Sometimes, it may take time to get full compensation, so be patient. You should only remind him or her to update you on the progress regularly.

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Making Child Arrangements In Court

If you are currently getting divorced from your long term partner, then the most sensitive and complicated issue that you are going to have to deal with is the impact that it is going to have on your children. In most cases of separation, the majority of parents will make their own arrangements and tackle the many questions that may arise about their children. However, should parents disagree about the future of their children then legal proceedings become necessary to formally come to a decision. In this scenario, children law solicitors will be assigned to each parent and represent them in a court of law. During the legal proceedings, the court will have the power to grant a range of different orders of which we are going to cover in this article. Together with breaking down the many stages that are involved in such cases.

A children arrangements order will be made by a family court that will state which parent the children will live with taking into consideration multiple factors that include -

  • The condition of each parent's accommodation.
  • The children's age.
  • The number of children that are involved in the case.
  • The impact that the court's decision will have the children's schooling and education.
  • The geographical distance between both parent's homes.
  • Whether the children take part in extracurricular activities.
  • If there has been a past of abuse or child neglect by either parent.
  • The mental and physical health of both parents.
  • The Children’s preference (if they have one).
  • The parents wishes.
  • The financial position of both parents.
  • Whether there was abuse or violence between the parent during the relationship.

First Hearing Dispute Resolution Appointment

A First Hearing Dispute Resolution Appointment is the first hearing that kicks off the legal proceedings after an application has been made and accepted by a court of law. It is held to identify the issues that have been made by both parties, and to see if an arrangement can be made before moving onto the next stage of hearings. A judge and childrens law solicitors will attempt to help both parties to come to an agreement. In some cases, there will also be a mediator present who will also assist in this situation to boost the chances of an agreement being made. If mediation doesn't work, then the court will order a case, and the court proceedings will commence.

Review Hearing

This hearing is normally where the case is reviewed. It is needed to determine the severity of the case and to review whether there is enough information for formal proceedings to take place. Review hearings can also take place once a final hearing has taken place. This typically happens when a judge decides to leave a case open for a couple of months. However, this isn't a common occurrence. What it does mean for parents though is that they will be able to return to court without having to pay additional fees.

Information Hearing

This stage of the legal proceedings is where evidence is heard and cross-examined by the 2 parties. This includes any allegations that are made by either parent if any incidents occurred during their time together. After hearing all of the evidence, the judge will then decide whether the incidents actually took place or not. The most common allegations that are made in these type of court cases are violence, emotional and physical harm and neglect. When it comes to making a decision, the judge will consider the allegations that have been made by either side.

The Final Hearing

During the final court hearing, the judge will consider all of the evidence that has been presented throughout the entire case. This information will be used in conjunction with a welfare checklist in order to come to a formal decision that primarily focuses on the welfare of the children involved.

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Things to Consider When Choosing a Conveyancing Solicitor

When moving home and during the process of a property transaction, you are going to deal with multiple different professionals along the way. Your mortgage adviser or broker is going to arrange the finance for you, and your estate agent is going to deal with the sale of the property. And, to take care of all the legal requirements, you are going to need to appoint a conveyancing solicitor. But, how exactly should you choose one and what are the things should you consider? This short guide will give you an insight into everything you need to know about choosing a conveyancing solicitor for your big move.

Communication

Buying a property can often be a stressful and somewhat confusing process, especially if you are taking your first step onto the property ladder. A conveyancing solicitor that communicates with you as the property business process unfolds is without a doubt one that you should choose. In a lot of cases, those moving properties have to deal with the unwanted stress of chasing their solicitors for information and updates. Whereas a good conveyancing solicitor will be with you every step of the way. Choosing the right one to act on your behalf is one of the most important things that you do as part of the home buying journey. A highly skilled and well-qualified conveyancing solicitor can help relieve you of any additional stress and complication which means you can focus on the other things that are associated with moving home.

Recommendations

An easy, but effective way of evaluating a conveyancing solicitor is to find out what their previous clients have said about their experience with them. If a conveyancing solicitor has impressive reviews from the people they have helped in the past, then its highly likely that you will be in safe hands.

Ask for Your Family and Friend’s Opinions

It is more than likely that at some point a family member or close friend have been through the process of moving home. A personal recommendation can be a great way of deciding whether to choose a conveyancing solicitor or not. And, if they have had a bad experience with one, then you know that you can remove them from your shortlist.

Ask for a Breakdown of Fees

Conveyancing solicitors’ fees can often range depending on location and reputation. However, it is vital to keep in mind that the cheapest conveyancing solicitor is not going to be the best one so be cautious if their fees are a lot lower than you first expected. Conveyancing solicitors’ fees can generally range from, £500 and go all the way up to £2000, but this depends on the cost of your property. Also, bear in mind that this fee is based on whether you are just buying a property or selling one and buying another. It's important to always do your research and get a few different quotes before you choose to go with a specific solicitor. Make that you always ask a full breakdown of their fee and get a list of everything that is included in their total charge.

Don’t Use a Conveyancing Solicitor That Has Been Recommended by Your Estate Agent

Some estate agents will pressure their clients into using a particular conveyancing solicitor. And, the only reason they do this is because they receive commission for doing so. However, no matter what your estate agent say you, you are not obliged in any means to use their recommendation.

Experience and Accreditations

Make sure that you find out whether a conveyancing solicitor has significant experience and is a member of Law Society's Conveyancing Quality Scheme. The accreditations basics means that they can provide a particularly high standard of quality in their conveyancing work. After all, you are going to want to know that the person you are trusting to deal with the legal side of the move can do their job effectively to allow you focus on the other things.

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Should We Stay Together for the Kids or Divorce? This is an age old question without a clear cut answer. The truth is that all marriages are different. So you need to find out whether the kids would actually be better off living in a home where mum and dad are in constant conflict or where they are happy but not living together. You need to answer a few questions before you take your final decision.

Are there any risks involved in staying together?

Kids can pick up negative habits: Some family therapists believe that a major drawback to keeping kids in a home with frequent conflicts, anger and frustration, is that they pick up negative parenting habits. These bad parenting skills will eventually be transferred to the coming generation. Children will ultimately model their behavior after their parents whether it is good or bad.

Kids may suffer neglect: Additionally, some kids may be neglected by their parents when they are not able to deal with their marital problems. This could result in children not eating healthy food or they may abandon their parenting duties all together. One parent may also try to prevent the child from relating well with the other parent.

What are the perceived benefits of staying together?

Kids are better off with both parents: From research, children are usually better raised in a family with both parents, even if there's no physical intimacy between them. If the two parents can avoid undue arguments and anger, and they work together to train their kids, the kids are more likely going to do well. However, even if the parents can't avoid fighting in front of their kids, living in a home for more than a decade without enjoying the fulfilment of a happy marriage could be a herculean task.

Divorce experts have discovered that when parents go through the divorce process, the impact on children can be very devastating. That is why as long as the parents can cope, when the welfare and future of kids is in view, staying together is better than a well-managed divorce.

How to Make a Final Decision

So now that you know some of the pros and cons of living together and of divorce with respect to children, how do you make up your mind about what to do?

Check for abuse: Most family experts say that kids should not be raised in a family where there is abuse. That means divorce is acceptable if a child is being abused physically, emotionally or sexually. Although abusive behaviour may be corrected through the right therapy, these changes seldom occur. So it is better to protect the kids from continuous abuse. When a parent can receive professional help and change the abusive behavior, a separation may be preferred to a divorce.

Can parents work together? A major issue here is whether each parent will agree to set aside their personal satisfaction for the sake of their kids. So if parents are mature enough to put their kids first, and put down their individual differences for their kids, then they will do their children a great service by staying together. On the other hand, if their marital satisfaction is so dear to them, the kids may be better off when their parents live apart.

Can peace be restored to the home? As a couple, you should seek help from a reputable family therapist, spiritual leaders, legal experts and other sources. Try to follow the advice you are given and allow some time for our marriage to be repaired. If there has been infidelity, efforts should be made to restore trust. Before going through the legal process and stress of divorce, it is better to explore all possible avenues to restore the marriage. Strive to invest the time and effort to build a stronger bond with your spouse. This will create a good environment where your children can develop the right attitude and family values.

What to do if there must be a divorce

Some researchers have revealed that 4 out of 5 kids raised by divorced parents end up happy if co-parenting is handled properly after divorce. So if the two of you choose to get a divorce, you should still do your best to work together to raise successful children. Make a commitment to put your kids interest above yours and help your kids to enjoy a happy future.

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Different Credit Laws That Governs A Loan When you are in need of money and wish to apply for a loan to any bank or a financial institution it is not that you fill up the form online and offline and expect the money to be in your bank account the next morning. The lenders have to abide by the different credit laws that are designed and implemented by both state and federal governments. These laws actually oversee the entire lending process as well as govern other important areas of lending that involves:

  • Rate of interest
  • Finance charges
  • Processing fees
  • Cash advances
  • Late fees
  • Charges for extension of credit over and above the pre-established limits
  • Delinquency charges
  • Premiums on credit life, accident and health insurance
  • Annual fees and several other charges and fees.

It is mandatory for a business, a bank or any private money lending source such as https://www.libertylending.com/ and even an individual to some extent to grant loans to customers by complying with the state and federal laws of lending or face serious consequences and legal obligations for non-compliance.

Ideally the federal credit laws include different segments of the law such as:

  • The Truth in Lending Act or TILA
  • The Fair Credit Billing Act or FCBA
  • The Equal Credit Opportunity Act or ECOA
  • The Fair Credit Reporting Act or FCRA and
  • The Fair Debt Collection Practices Act or FDCPA.

The federal laws usually affect the credit sales to the consumers and on the other hand the state laws are applicable in whichever jurisdiction the lender is operating.

The Truth in Lending Act

Just as the name signifies this act allows the customers to know what they are entering into while signing a loan agreement. According to this Act the business is required to disclose all their credit terms and conditions exactly as it is and should be. This Act also regulates how the creditors can advertise and need to disclose:

  • Monthly finance charges
  • Payment due dates
  • Annual interest rates
  • Total sale prices and
  • The late charges assessment process.

The Fair Credit Billing Act

This is another federal law that governs any billing errors that may be on any credit account. The law requires:

  • The customer to notify about such errors to the credit provider within 60 days
  • The credit provider must respond within 30 days
  • The creditor must also conduct a proper investigation within 90 days of getting the notice from the customer
  • The creditor must explain the reason for such error and
  • Rectify it at the earliest.

Failure to comply by the creditor will result in a fine of $50 toward the disputed amount. This will be applied even if the bill is correct but the creditor failed to report about the disputed amount to the credit agencies till the disagreement is fixed.

The Equal Credit Opportunity Act

According to this special law the credit company is prohibited from discriminating any of their customers and denying granting of loans on the basis of one or more of the following:

  • Race
  • Color
  • Religion
  • Age
  • Sex
  • National origin or
  • Marital status.

However, the credit company can only deny granting a loan to any customer when the financial status such as earnings and savings of the applicant does not allow it or the customer has a very poor credit score and credit history. Apart from that a creditor can deny a loan to anyone who is underage though there is prohibition about such discrimination.

The Fair Credit Reporting Act

This federal law is primarily related to the credit reporting agencies. This law protects the consumers from having their credit harmed due to erroneous, incomplete or misleading information. According to the law the consumers have the legal right to obtain a copy of the credit report and dispute any inaccurate information entered in it.

The reporting agency must change or delete this inaccurate information after being informed the consumer can complain with a 100-word statement explaining the story.

The Fair Debt Collection Practices Act

Any abusive methods followed by any third party collection agency or even by the actual creditor is governed and prohibited by this special federal law. According to the law it can create liability for:

  • Any harassment or abusive practices
  • Threatening with life or legal consequences
  • Causing physical or even mental harm to the debtors or their family members
  • Contacting friends, relatives, neighbors or employers of the debtors and mentioning it is for collection purposes
  • Speaking to any other people on the road or within the vicinity of the debtors regarding the obligation
  • Calling the debtors repeatedly
  • Calling before or after the scheduled time as per the law if there is no permission from your end
  • Trying to collect any amount that is not due
  • Misrepresentation of facts and debt details intentionally
  • Calling at any number or visiting any place that you have specifically mentioned not to
  • Reporting inaccurate amounts to the credit reporting agencies
  • Calling you even after you have asked them not to as the matter is with the lawyer and you are thing of debt settlement
  • Posing as a law enforcement
  • Using any name of a lawyer and pretending to be there to collect the judgment and so forth.

The debtor can make formal complaints in writing of the collection agency fails to comply with the FDCPA requirements and provisions.

Summing it up

All of the above laws are very important to protect the rights and privacy of the consumers. These laws are to be followed by banks as well as private lenders and you as a borrower always have the right to complain against one who does not.

Failure to comply with these rules will result in penalties and these punishments are very swift and painful as well, especially when a creditor fails to comply with the ECOA. Punishments may come in different forms such as actual damages, equitable relief, attorney’s fees, and even punitive damages as high as $10,000.00.

Ideally, for a creditor defenses are limited if they are sued. It is therefore better to know your right so that creditors and collectors cannot take you for granted.

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Follow The Laws And Stay Within It To Repay Your Debts The law allows you to take on a loan for any purpose whether it is for any personal reason or to buy a consumer durable, to fund your child’s education or marriage, arrange capital for your business and even pay off your medical bills.

The law also puts a responsibility on you to repay the amount borrowed to the creditor along with an interest. Failing to repay will fetch legal obligations and punitive penalties and even a lawsuit filed by your creditors.

However, the law allows you to arrange for money if you find it difficult to repay the debts you have.

If you want to know about these alternative sources and the consequences of each it is better that you contact a debt advisor, counselor or an attorney. The expert professional will enable to guide you through the route to pay off your debts which may not be clear-cut and easy for all types of debts.

Specific debts will have more room for negotiating for a debt settlement while others may not be so easy and you may risk losing on something else such as your collateral in the process. Therefore, it is prudent that you take a look at all your options closely so that you do not take on one by judging by its face value only.

Taking a smart approach to pay off your debts will help you to avoid being delinquent and hurt your credit report. For this you will have to consider the following:

  • The payment plan
  • The unsecured and secured credit options
  • Availability of any hardship plan and relief options by checking at com and
  • Negotiating on the debts on your own or through a debt settlement company.

When work with a service provider you must be very clear, specific and upfront about your affordability to repay your debt. Also consider your insurance options because if you do not have any then according to the law you may be charged more than somebody who does. Remember, if there is a price disparity it can give you a lot of leverage.

What the law allows

According to the law you can follow specific strategies to repay your debt. All these debt relief options are legal and binding by the law.

Payment plan: To manage your debts properly you must have a specific payment plan. You can work out such a plan by yourself but to make it more effective and easy you can once again consult a professional. They will ensure that you repay the debt easily which you may find repaying in one payment difficult especially a medical bill. The process involves:

  • Breaking the outstanding amount into multiple equal payments and
  • Paying it over a few months so that the total amount is covered.

However, you must clarify whether there are any fees and billing charges that may affect your payment plan as well as your affordability.

Credit cards: You can also use your credit card according to the law to repay a specific debt such as medical debt. However, you must be very careful about using a credit card as these carry the highest rate of interest and the lowest time to repay. Therefore, do your math well to find whether or not you will be able to repay it off within that period along with the high interest because failing it will result in legal actions from the credit card issuing company.

Unsecured credit options: You can choose from a variety of unsecured credit options as well to repay your current debts.

  • You can take a personal loan to consolidate multiple debts including medical debts into one single monthly payment. However, you will need to have excellent credit score to qualify for low rate of interest or else it will be an expensive option. Therefore, take a personal loan when all options are exhausted and make sure that you shop around to compare the fees, rates, and repayment terms.
  • You can also transfer the balance in a 0% interest credit card but you will need to qualify for it first with an excellent credit score. You will also have to make sure that you have enough resource arranged beforehand to pay off the balance before the expiry of the promotional interest period or the high interest rate will kick in.

Hardship plan: Another opportunity the law provides to the consumers is to avail an income driven hardship plan if they face any difficulty in repaying their debts and fall within the low income category. The features of these plans are:

  • These are much similar to any standard payment plan
  • It breaks up the total amount owed into simpler and more manageable payments.

If you can negotiate with your creditors successfully you may even reduce the total amount outstanding. If you want to avail such a plan to repay your medical bill you will however have to apply for Medicaid as per the requirement of the law to be eligible.

Negotiate the costs: For any type of debt you want to take on, you have the legal right to negotiate on the cost to bring it down. However, the law also allows the creditors the liberty to either accept or reject your request.

  • However, if you loan account is with the collections it means that they have bought it for ‘pennies on the dollar’ literally. This fact provides you with a good leverage when you negotiate.
  • Nevertheless there will be a lot of haggling during negotiation and therefore if you think that you cannot handle thin on your own you should hire an advocate or counselor who are experts in negotiating and can spot any opportunities that may result in a successful negotiation.

Just make sure that you agree with only what you can afford because there will be no new negotiation on an already settled account.

Lastly, keep in mind you should not rush any decision as that may deprive you from a better option that you could have qualified for and helped your financial situation to regain its health faster.  

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Exercise Your Legal Right To Check Your Credit Report For Free It is not only embarrassing but is also very disheartening to find your loan request rejected due to your low credit which you did not check before. Whether you apply for a fresh loan or for consolidating your existing debts it is always recommended that you check your credit score first before you apply. What is more, you are permitted by the law to get a copy of your credit report and that too for free. Therefore, there is no reason that you skip this check only to be disheartened later.

There are several legal sources from where you can check your credit information and your credit history and all of these sources are legal and authentic. These sources and the knowledge about your credit will make it easy for you to know your position before you apply for the loan. You may even be lucky enough to unlock better rates and terms on the loans, mortgages or credit cards you want to apply for.

According to the money lending law, your credit report and credit score matters not only to you but also to your prospective creditors.

  • Your credit report will provide them with all the relevant and important information about you and your credit.
  • It will show the loans you have taken and how you managed with the repayment aspects.
  • It will also show whether you defaulted on your payment and what other negatives are there in your report such as collections or bankruptcies.

In short, it will give the prospective creditor a lot of idea and confidence whether or not you should be given the loan and what are the possibilities that you will repay it on time with the available resources.

Therefore, eligibility for a loan depends on your credit score and report and there is no way in which you can take away the legality from it. That is why it is recommended that you check your credit report from time to time to find out whether or not there is any incorrect data or entry that is affecting your credit.

Sometimes, latest data may not be updated soon by the credit reporting bureaus which will also have a very powerful and serious impact on your finances as well as your borrowing ability.

Most important legal tool

Your credit is the most important factor when you want to avail any loan and your credit report is the most important legal and authentic tool to determine your loan eligibility. When you go through different debt consolidation and debt settlement reviews you will come to know how and why the creditors rely on the credit report of their prospective clients along with other eligibility criteria. Therefor to make sure that your credit score and report is perfect and in accordance with the requirements of the law there are a few specific things that you should do. The first and most important thing that you need to do is to stay organized and have everything in one place. For this you will need to do the following:

  • Personalize your credit info by reviewing your payment history. You must know the status of your credit and how much of it you are using in your credit card, mortgage or installment accounts. You must see and know the balances of each of your debt account.
  • Make sure that your credit score is updated frequently when you watch your free credit score. Usually, credit scores are updates weekly but that may vary according to the policy of the credit bureau. However, when you review your credit report makes sure that you know about the simulators and handy tips that will help you to improve your number which is legally permissible.
  • Always follow the personal recommendations to build your credit and maintain a good score as well. When you check it out from reliable sources you will be able to get in touch with several members and experts within the community forum who can help you with their tips and advice to make smarter and more informed decisions.

Therefore you should check your free credit report anytime and anywhere because:

  • It will cost you nothing
  • There are no strings attached
  • There are no commitments to make
  • The process is simple, easy and fast with you needing to simply sign up with the provider
  • It is very private and secure as the reliable sources ensure that all your info is secured with a 128-bit encryption and most importantly
  • It will not hurt your credit in any way because this is a "soft inquiry" to check your credit score.

In short, it will keep you informed about how good your credit is to apply for a loan and what plans you should make to rectify it if it is found to be below the requirements of the law to apply for a loan and get approved.

However, you may not get a free copy of your credit report or history because that can only be provided by the credit reporting bureaus as per the governing rules.

A few more insights

You will also gain a few more insights regarding your credit report and score to be more confident when you apply with these following facts:

  • There are only there major credit bureaus namely Equifax, Experian and TransUnion who can collect data and sell it.
  • Credit reports are not the same as credit scores as credit reports list your credit history and the credit scores is a three digit number that is created by applying a specific formula to the data.
  • Credit score is the only factor that the creditors consider while determining your eligibility for a loan and your credit history helps them to adjudge how effectively and efficiently you can repay the loan approved to you.
  • Apart from you, your potential employers, banks and utilities and even insurers and landlords can see your credit history with your permission and application submitted with them.

Lastly, you can dispute errors on it and report with the credit bureau to get it rectified within 30 days after investigation according to the law.

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Important Questions to Ask Your Lawyer about Debt Consolidation Despite the fact the credit card debt is far from being cheap, Americans continue to swipe their cards as if there is no tomorrow. Total revolving debt, according to https://www.forbes.com, in 2018 stood at over $1.04 trillion with credit card interest and fees in excess of $104 billion in a 12-month period under study. Not surprisingly, the number of people who have trouble managing their credit card debts is huge. Many of them have simply spent far beyond what their cash flows can support in monthly repayments while another lot have trouble in monitoring multiple credit card statements every month and end up missing making the payments by the due dates.

The consequence of bad management of credit card debt is invariably the imposition of penal charges and interest rates by the card companies and collection calls for delinquent accounts. It is quite natural for cardholders to panic when faced by debt collectors and not able to decide the best course of action to protect their interests. Compounding the situation is a whole lot of information often contrary to each other. If you are facing a stressful situation due to your credit card debt piling up and have no clue about debt consolidation, some of the top questions you should ask your lawyer are:

Is Debt Consolidation the Same as Debt Settlement or Bankruptcy?

Debt consolidation is completely unlike debt settlement or filing for bankruptcy. Debt consolidation involves aggregating all your individual card dues, taking out a new loan for the same amount, and using it to repay the original debts. Debt settlement is a process of negotiating with all your principal creditors requesting them to forgo a large part of their interest and sometimes even the principal amounts due to your financial circumstances. It is only when you are able to convince the card issuers that unless they settle, you have no other option but to file for bankruptcy, which would entail them not getting any of their money back being unsecured debts that debt settlement is successful. Bankruptcy is the final step that you can take when you have absolutely no means to repay your debt. You can apply to a bankruptcy court, which will then take over the administration of your estate and repay your creditors as best possible.

Will Debt Consolidation Reduce the Amount of Debt?

This confusion generally arises because of a lack of clarity between debt consolidation and debt settlement. When you consolidate debt, the amount of your total debt does not reduce by even a single penny. It is when you sign up for a debt settlement program that there is a chance of your being able to reduce the amount of the debt by negotiating with the creditors. The confusion between the two methods is also encouraged by unethical debt relief companies who want to take advantage of the ignorance of normal customers and push them into enrolling for a debt settlement program. Always deal with reputed companies like nationaldebtrelief.com, easily one of the best-rated debt consolidation companies.

Why Opt For Debt Consolidation If It Cannot Reduce Debts?

Even though consolidating debts does not reduce the amount of debt, there are numerous advantages of this method of getting on top of debt. Firstly, when you consolidate debt, you are left with only one debt to take care of. This means that you do not have to track multiple credit cards statements every month to ensure that you make the minimum payment by the due date. With a debt consolidation loan, you just need to make one payment every month on the same date. Further, when you consolidate debt, there is every chance that you will be able to save significantly on the interest expense. This is because the difference between the credit card rate of interest that is normally very high and the rate charged on debt consolidation loans to customers with a reasonably good credit score can be quite significant. Over the period of the loan repayment, the total interest expense can be slashed considerably and you can get free of debt far faster. In addition, by extending the period of the debt consolidation loan, the monthly repayment amount can be made more affordable.

Will the Credit Score Be Damaged Irreparably by Consolidating Debt?

If you have not been making your monthly payments on time, it is quite likely that you would have already damaged your credit score. When you take on a new debt consolidation loan, your credit score will take a hit. However, when you repay all the card dues and wipe them clean, your credit score will automatically improve as the credit utilization ratio will have dramatically improved. Additionally, when you make the monthly payments on the debt consolidation loan on time, you will see that over time your credit score has improved significantly. This is in direct contrast to your credit score becoming severely negatively impacted if you settle your debts or file for bankruptcy. The details of the debt settlement remain for as long as seven years on your credit history and make future borrowings difficult and more expensive.

Will Consolidating Debts Prevent Harassment By Debt Collection Agents?

If you have missed making payments on your credit cards and your card accounts have been classified as delinquent, it is quite likely that debt-collection agents would have started calling on you. If you don’t want the harassment to continue, the best way is to immediately secure a debt consolidation loan and use the money to settle all your credit card dues in full. You should request the card companies to inform their collection agencies that the dues have been repaid. You may also pay the collection agent if the card issuer so directs but you should carefully check their credentials and obtain a proper receipt for the money paid to them.

Conclusion

Debt consolidation is a simple, quick, and practical way of getting on top of your credit card debt. However, your actual financial circumstances will dictate what you should be doing to tackle your debt problem effectively. Getting guidance from a lawyer experienced in debt relief will ensure that you choose the best option.

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Uncategorized https://www.lawyerforyou.org/blog/important-questions-to-ask-your-lawyer-about-debt-consolidation/ https://www.lawyerforyou.org/blog/important-questions-to-ask-your-lawyer-about-debt-consolidation/ Editor Tue, 26 Feb 2019 07:43:38 -0500
What Is Debt Consolidation and How to Protect Your Rights When the Debt Collector Calls? With most Americans spending sleepless nights trying to pay even the minimum due amounts on their credit cards; it is not unnatural that debt management and relief are high on the agenda of many. Terms like debt consolidation, debt settlement, and bankruptcy are rife but often little understood or misunderstood as stressed Americans try to avoid harassment by debt collection agents. A brief look in what debt consolidation entails and how you can legally avoid being harassed by debt collectors chasing delinquent credit card accounts.

What Is Debt Consolidation and How Does It Work?

When you have maxed out your credit cards and are finding it difficult to stretch your monthly cash flows to make the payment of the minimum dues possible, you can consider taking on a debt consolidation loan. Simply put debt consolidation is the process of adding up your retail debts, typically credit card dues so as to arrive at the total. These loans are available from a number of sources, typically banks and credit unions, else one of the many private lenders that specialize in this type of lending. The purpose of getting the debt consolidation loan is to use the proceeds to pay back in full all the credit card dues.

Pros of Debt Consolidation

By consolidating the debts, you are left with only one debt and one monthly payment. Also, debt consolidation loans are typically available at far more reasonable rates of interest compared to credit cards. Over the repayment period, it can result in a lot of saving on the interest expense. Another benefit of debt consolidation is that you can negotiate a longer term so that the monthly amount is more affordable and does not stress you out. Finally, even though your credit score takes a hit when you take out the debt consolidation loan, it improves over time as your credit utilization ratio is zero and you make the loan repayments on time. Read up debt consolidation reviews online to know more about how to consolidate your debts.

Disadvantages of Debt Consolidation

Unless your credit score is good, you will either be denied the loan or the interest rate will be so high that there will not be any savings over the credit cards. Further, debt consolidation only makes sense if the amount of debt is within your capacity to repay over three to five years. However, if the debt is so large that repaying it fully in inconceivable, it would be wiser to consider debt settlement or even bankruptcy, if suggested by your lawyer.

How Can You Protect Your Rights When Credit Card Account Turns Delinquent?

According to a new study by bankrate.com quoted by https://www.huffingtonpost.in, 29% of American households have credit card debt more than their emergency savings confirming what most experts already know; the financial health of American households is pretty precarious. In 2019, Americans are likely to pay $122 billion in interest and fees; the sharp rise from the current level of $110 billion indicating the rising problem of cardholders in managing their dues. When credit card accounts or for that matter even debt consolidation loan accounts turn delinquent because of the inability of the borrower to repay as per the terms of the contract, they are usually turned over to debt collectors for realization. Even though the debt collector is well within his rights to demand the due payment from you, the Fair Debt Collection Practices Act (FDCPA) has been enacted to prevent debt collectors from harassing customers by engaging in deceptive, abusive or unfair trade practices.

How Can Debt Collectors Contact Me?

Debt collectors may contact customers regarding retail loans only; e.g. credit card dues, auto loans, student loans, mortgage, medical bills, etc. Business debts are not included in their portfolio. What most people do not know that debt collectors cannot contact you anytime they like, for example, no contact can be had before 8 a.m. or after 9 p.m. or at work unless you specifically agree to it.

What Is the Specific Way of Stopping Debt Collector Contact?

The best way is to send a letter asking them debt collectors to stop contacting you by certified mail with a return receipt to prove that they have received it. After getting this notice, the debt collector can only call to confirm receipt of the notice or to inform you of any specific action that they have initiated. If the collector has been informed that an attorney represents you, and then the communication should be to the attorney unless your attorney fails to respond within a period that is reasonable. However, it is a good idea to interact with the debt collector at least once to confirm that the debt is really yours and not someone else’s.

Can A Debt Collector Contact Others Regarding My Debt?

Contact by debt collectors regarding debt recovery of any person is limited to inquiring about the address, workplace, and phone number and that too only once. Collection agents cannot discuss any details of the debt with anyone else apart from the debtor’s spouse. If the debtor has an attorney about whom the collection agency has been informed, collectors can only contact him.

What Can the Debt Collector Do?

After the debt collector has contacted you, he is required to send a validation notice in writing within five days. The notice should specify the sum owed, the name of the creditor, and what to do if the debt is not yours. Debt collectors are specifically prohibited from threatening you with harm or violence, using abusive language, annoying you by repeatedly phoning you. They are also not allowed to lie or make false claims or representations or engage in unfair trade practices like trying to impose penalties over and above the terms of the original contract.

Conclusion

While the federal laws are very strict about what debt collection agents can or cannot do, it is also very important for debtors to be proactive about their debts. Appointing an attorney when you have multiple delinquent accounts is a sensible decision, as your rights can then be protected.

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Uncategorized https://www.lawyerforyou.org/blog/what-is-debt-consolidation-and-how-to-protect-your-rights-when-the-debt-collector-calls/ https://www.lawyerforyou.org/blog/what-is-debt-consolidation-and-how-to-protect-your-rights-when-the-debt-collector-calls/ Editor Tue, 26 Feb 2019 07:43:12 -0500
Is a personal attorney reliable - Should you hire their services? Nowadays, most of the people are experiencing accidents which are life-threatening. If you are one who is suffering from any complicated injury due to the accidents, then one should consider a personal attorney who will handle the case. A professional will able to provide compensation to you according to professionals, before handling the case to any lawyer one should discuss the current situation of the case and other important things.

 A professional lawyer will always provide a free consultation to you. Make sure that lawyer is enough experienced and skilled. He will take every step carefully. All things depend on the planning and situation of the case. If possible then always consider an experienced lawyer who will able to make a settlement with a criminal. An expert attorney knows the value of a claim. Most of the people are making the use of personal injury settlement calculators which is beneficial. It will give a complete rough idea about the case. Following are the potential benefits of hiring a personal attorney.

Valuation of case

If possible, then one should make the use of a personal injury settlement calculator that will give a complete rough idea of the case. All you need to evaluate the value of the claim. If the value of the case is quite low, then don't hire any personal attorney because he will charge thousands of dollars for the case. According to professionals, a personal attorney will consider the following important things.

  • He will analyze the injuries carefully
  • Analyze the pain and condition of the victim
  • Check the insurance-related papers
  • Estimate the future medical requirements

If you are worried about the upfront cost, the one must consider a professional attorney only because he will able to handle everything with ease. One will able to get the claim of all the expenses. If you win the case then you have to pay money otherwise attorney will charge nothing. Overall, all things depend on the lawyer only.

Legal process

A professional will follow the legal process only. With the help of rules and regulations, you can easily win the case. They have knowledge which documents are right or not. All you need to discuss the right situation with him. He will complete the form in a fraction of seconds. He will make the settlement with an insurance company or criminal. It means you don't have to worry about upfront costs and other charges because a professional attorney will able to handle everything with ease. If you don’t want to miss thousands of dollars then always consider a professional lawyer only. The great thing is that a professional will able to handle the dirty work with ease. You don't have to worry about any paperwork and other things. Make sure that you are filling the case according to the rules and regulations only

Final verdict

Lastly, to win a case, one has to consider an expert or skilled lawyer only. If possible, then you should always consider Zehl personal injury lawyer only because they have enough knowledge of accident cases.

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Uncategorized https://www.lawyerforyou.org/blog/is-a-personal-attorney-reliable-should-you-hire-their-services/ https://www.lawyerforyou.org/blog/is-a-personal-attorney-reliable-should-you-hire-their-services/ Editor Sat, 09 Feb 2019 07:49:22 -0500
The best way of getting compensation in case of personal injury Getting injured is never a pleasant feeling. However when that injury is caused by the fault of someone else directly or indirectly, then it only adds more sorrow to the pain. It is quite a traumatic experience when a person suffers from an injury. Depending on the kind and extent of injury the time for recovery varies. In some cases, injuries can disable a person permanently and might negatively affect the quality of life. This is extremely unfortunate, but for reducing the misfortunes of the injured person, certain legal actions can be taken.

Dealing with the legal case of personal injury

People should be acquainted with the fact that whenever an individual suffers a minor or major injury if he/she is not at fault, then he/she is entitled to claim compensation. However in most cases, after the person has got injured, it might be difficult to think about a legal claim or file for compensation. However, if this procedure is not initiated within a specific duration after the occurrence of the injury, then the claim might not be valid anymore. There are state laws that determine the duration for filing personal injury claims, and it is best to know the time frame present for making such claims in the state where the person is residing.

However, accidents can also occur abroad. Hence in such cases worrying about filing a legal claim for compensation can be laid to rest by taking the aid of Injury Lawyers Perth. There are legal firms of injury lawyers present in almost all states. A location-based search for injury lawyers will provide a person with details of nearby attorneys or law firms that deal with such cases. The method in which injury lawyers work

When a person hires an attorney for making a compensation claim, then the legal proceedings related to the case are completely taken over by the lawyer. It is understandable that after suffering from a traumatic accident, the person will need time to recover and might also require constant treatment. Hence in such cases, the lawyers try to move forward with the legal procedure without engaging the client now and then.

Injury claim

The main aspects of an injury claim are discussed below:

  • The compensation amount is the major aspect of any injury claim. All medical costs and medical care facilities needed by the person on a temporary or permanent basis are factored into the compensation amount. The aspect of psychological trauma also forms a part of the compensation amount.
  • The person(s) or organisation responsible for the injury has to be sent the claim through a legal channel. The lawyer will help in identifying the responsible person and will do the needful for getting adequate recompense.

Hence, for the proper filing of compensation within the given duration, it is appropriate to get hold of sensible and professional injury lawyers. Such lawyers will ensure that the suffering person gets the financial support needed for overcoming the situation created by the injury.

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Uncategorized https://www.lawyerforyou.org/blog/the-best-way-of-getting-compensation-in-case-of-personal-injury/ https://www.lawyerforyou.org/blog/the-best-way-of-getting-compensation-in-case-of-personal-injury/ Editor Thu, 31 Jan 2019 03:24:01 -0500
How to Hire the Best Business Lawyer Today or tomorrow, your business will require legal counsel. There is no denying the fact. Now, a commercial lawyer can prove as an asset to your concern or misguide you, leading you to disastrous consequences. All depend on the kind of attorney you appoint. The choice is yours. If you do not have much experience dealing with lawyers, the process may seem a little intimidating initially. When you know what issues needs a resolution, and you are well read half the battle is won. In such a case, you can expect to experience a positive outcome. According to an article published on https://www.huffingtonpost.com, ensure what kind of lawyer you would want to hire. When it comes to a business attorney, he is specialized in dealing with litigations concerning your business operations. Therefore, do your homework and then appoint. Here are a few pointers to help you hire the best attorney:

Find a Professional who Knows Your Industry

When appointing a business lawyer, he should know about the industry you serve. For example, if you sell solar products, the attorney should know about the same and the complex rules that govern every solar installation. The person should be aware of how your company operates. If not, there would be communication issues. Now, that does not mean that if you deal with beauty skin creams for women, your lawyer only knows about skin creams. It implies that the legal professional should be open to learn and figure out what your business is all about and how it performs activities on a day-to-day basis. Ensure that the attorney knows about your major customers, strategic partners, and suppliers. These aspects can be included in your legal strategy. To hire the best professional, read up online literature and read details on platforms such as Boss Lawyers Brisbane commercial.

Opt for a Lawyer who Works with Other Resources

When it comes to legal counsel, it does not come cheap. Therefore, your attorney should have a good network of other lawyers, who can come to your assistance when you have some special requirements to operate your business successfully. Ask whether the law firm he is associated with hosts special events to meet their clients. These may include a webinar, online videos, or any other virtual resources. Is the attorney a member of any group or trade associations so that you can benefit in the future during the proceedings of a case? Ask questions and do not hesitate. Dig for more information to hire the best.

Inquire about Legal Fees

Make sure that your lawyer does not hesitate to discuss the legal fees or charges with you. Most business lawyers charge per hour. Therefore, ask whether he will charge an hourly fee or not. The legal professional should not include any hidden charges when sending you the final bill. It is important to choose a professional who is honest about his fees and is transparent. If he charges a fixed rate, then your lawyer should say so before you hire him.

Conclusion

Hire a commercial lawyer who will work for you now and in the future. Therefore, build a healthy business relationship with the professional for mutual benefit.

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Uncategorized https://www.lawyerforyou.org/blog/how-to-hire-the-best-business-lawyer/ https://www.lawyerforyou.org/blog/how-to-hire-the-best-business-lawyer/ Editor Thu, 31 Jan 2019 03:07:21 -0500
5 Common Mistakes to Avoid When You Get Arrested Getting arrested can be a very stressful experience for both you and your loved ones. Many times, it happens unexpectedly, thereby leaving you with little time to react. Feelings of confusion and panic can flood your mind, especially if it is your first time behind bars. However, it is very important for you to try your best to remain calm even during this difficult situation. Here are some common mistakes that you should avoid when you find yourself in trouble with the authorities:

  1. Giving admissions to the police before contacting a lawyer

This is a common mistake that many first-time offenders made. Fear and anxiety might cause you to make hasty admissions to the police without calling your lawyer first. These admissions can be used as evidence against you during court proceedings. Hence, it is advisable for you to exercise your right to remain silent and insist on calling your attorney. If you don’t have a lawyer, get in touch with your friends/family members and ask them to find one for you. Your attorney will be able to communicate with the police on your behalf, thereby ensuring that you don’t make any incriminating remarks.

  1. Resisting arrest or being violent

It is normal to feel agitated if you believe that you are being wrongly accused of a crime. However, you should resist the temptation to lash out at police officers or resist arrest. This will only lead to more charges of assault or battery. You should also desist from verbal abuse and other forms of hostility. Instead, cooperate with the authorities and follow the right procedure so that your case can be handled as quickly as possible.

  1. Providing incriminating information to friends and family

As much as you might want to believe that you can trust all your friends and family, be very cautious about what information you give to them. For instance, in most areas, you are allowed to have one phone call when you get arrested. During this phone call, don’t make any incriminating statements since they might be overheard by the police. Furthermore, if you were arrested as a group, some of your friends might choose to testify against you so that they can get a lighter sentence.

  1. Failing to hire a bail bondsman

According to the Legal Dictionary website, a bail bondsman is a professional agent who provides bail bonds for suspects awaiting trial in order to have them released. If you cannot afford the entire bail amount, then you should get in touch with Eric Castle - Castle Bail Bonds today. Here you will only be required to pay a small percentage of the bail amount and then your bail bondsman will pay the bail on your behalf and thereafter organize for your release.

  1. Failing to satisfy your bond requirements

Once you make bail, you are required to attend all your court hearings and adhere to any other conditions stipulated by the court. Going against your bail conditions will only lead to re-arrest and further jail time.

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Uncategorized https://www.lawyerforyou.org/blog/5-common-mistakes-to-avoid-when-you-get-arrested/ https://www.lawyerforyou.org/blog/5-common-mistakes-to-avoid-when-you-get-arrested/ Editor Sun, 06 Jan 2019 10:06:00 -0500
3 Essential Tips That Will Get You The Best Traffic Violation Attorney There are many vehicles on the road. These vehicles are bought on a daily basis, this is according to statista.com. Don’t forget that once they are bought, the vehicles will be driven by people on the public roads. Each country has a set of traffic rules that govern drivers while on the road. The reason why these rules exist is so that they can limit and avoid recklessness on the road. Can you imagine your relative because of someone's ignorance on the road? In any state, if you disobey any of these rules you are liable to being jailed or even suspension of your license. Sometimes, you might not be aware when you are committing the traffic offense. In such situations, you will need someone to come and defend you and bail you out. This is something that can only be done by your traffic violation attorney. If you don't have any at your disposal, you will have to hire one. What are the steps will you use? What features will you be looking for? Below are some of the things that will identify a good traffic violation attorney;

  1. Experience

Experience is an element that makes a lawyer stand out from the rest. Some cases don’t have room for mistakes. The only way you can be sure you are not going to commit any error is if you get yourself someone who has been down that road before. If you hire a traffic violation officer who has eight years’ experience, then you will have confidence of winning your case. For the lawyer to be familiar to people, then it means that he has a good winning record on the various cases he has represented. Why would you hire someone who is new in the game? What are the chances of him or her winning a case? You need to have some hope.

  1. Charges

Every lawyer will give you a figure that he thinks will help him put food on his table. However, you need to differentiate the hungry lawyers and the financial trustworthy lawyers. If you get someone who is after your money, don’t waste your time by hiring him or her. You should always be ready to find yourself another option. That is why you need to get a few traffic violation attorneys and see which one is affordable. However, an affordable lawyer shouldn’t always be the cheapest offer. You need to ensure that the fee you are paying is worth your needs.

  1. Background information

The best thing about the current millennium is that there is always someone who knows something about someone. Basically, word of mouth will move around faster than you think. That is why you need to make sure you do a thorough background research on the traffic violation lawyer you intend to hire. It is through the background information that you will get to know a DWI Lawyer Nassau County exists. You will also get to know that their lawyers can help you reduce the penalty imposed on you for a certain traffic offense.

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Uncategorized https://www.lawyerforyou.org/blog/3-essential-tips-that-will-get-you-the-best-traffic-violation-attorney/ https://www.lawyerforyou.org/blog/3-essential-tips-that-will-get-you-the-best-traffic-violation-attorney/ Editor Sat, 29 Dec 2018 03:51:40 -0500
Hiring a personal injury attorney? What do you need to know? If you are someone who loves traveling a lot or someone who is into sports and fitness then there are high chances that at some time or the other you would get some form of injury done on yourself, sometimes, the injuries can be caused because of no real fault of your own self. Under such circumstances, it is possible for you to get legal aid and take the person or persons responsible to a court of law for causing you the injury and get large amounts of compensation.

Personal injuries are such types of injuries and can get settled legally. But in order to do this properly, you must hire a personal injury attorney first. This article will highlight to you the several details of personal injury attorneys and the legal options available to you in case you need it.

What does the personal injury lawyer perform for you?

Personal injury attorneys would be willing to help you out when you suffer any form of injuries due to accidents caused by the fault of others. You may be a victim of car accidents and suffer some injuries. You can also suffer a work-related mishap and injure yourself. Personal injury lawyers would be there to help you in the situations to provide you with the legal help you need to claim compensation. These lawyers are highly trained and skilled in such types of cases.

What qualities must the personal injury attorneys have?

A personal injury attorney shall be extremely diligent and sincere in providing you with all the legal help necessary for safeguarding your rights and your interests. They will deal with your case in a way which will benefit you financially. You need to provide them with all the essential information required to make your case. You should not hide any facts from the personal injury attorney. Good attorneys shall understand what specific information is required for fighting your case and what type of information needs to e provided to the court. They shall present the information in a way that it does not affect your interest and hence, you need not hide any essential information from the personal injury lawyers. They shall work to the best of their abilities to provide you with compensation for the amount of time lost due to your injury and the extent of damage caused by it.

How do you pay your personal injury attorney?

The mode of payment for personal injury attorneys is quite easy and also convenient. You would not be required to provide any money through fees till you are given some sort of compensation by the courts themselves. You would have to make payments only when you win your case and have got some remuneration through compensation. When this does not happen, you would not need to make any payments to the lawyers at all. You may have to make some small payments to recover the costs for filing the lawsuit on your behalf, but these are separate expenses which are different from the attorney's fees. Hence, personal injury lawyers need to get selected properly by the victim who suffered from a serious injury.

Personal injury attorney practices

The personal injury lawyers and attorneys would be allowed to practice in states in which they reside on a daily basis. IT is essential for them to pass the bar examinations and get their accreditations. Different states will have different types of bar examinations. Personal injury lawyers will always try to get you out of court settlements first and work out a deal with the accused. They will try to get you the best possible compensation depending upon the nature of your injury and the damages caused by it. If you think of filing a personal injury court case against someone, then it is important that you hire a professional personal injury attorney. This will help in protecting your own rights as the applicant and will help you to get the case ruled to your benefit so as to help you get proper compensation.

Personal injury lawyers, like all attorneys, would need to have some ethical codes of conduct and they will follow that diligently in their work as a lawyer. Such codes of conducts are made up by the state and local authority bodies and bars which regulate them. The exact services which your personal injury attorney shall be able to provide you are filing your legal complaint, representing your case in the court, giving you important legal advice, drafting all your legal documents, arguing in favor and trying to get you hefty compensations.

You shall have first to select a personal injury attorney. You can find a lot of them on the Yellow Pages and on the internet. Read the reviews and testimonials before you choose one. Then you should meet your lawyer. You will have to disclose the facts of your case. Then the attorney shall evaluate the different details of the case and determine what legal standing and base you have for the case. When there are any legal grounds, the personal injury lawyers shall present your case in the court and give the arguments for getting you compensation against your defendant. You will be given your due to the troubles that you went through.

You can visit Injury Attorney LA Hershey Law in order to know in more details about personal injury attorneys and laws related to personal injuries.

Conclusion

Personal injury lawyers shall try their best to get you justice and win you compensation for the troubles caused by the injury you suffered because of other people’s negligence. These attorneys are trained specifically to handle such cases. They will use all their skills for helping you win the case. They shall also help you in getting big compensations from settlements made out of court. You need to choose your attorney carefully, ensure that they have the right expertise and qualifications for handling these types of cases. Hopefully, the information mentioned in this article will have helped you.

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Uncategorized https://www.lawyerforyou.org/blog/hiring-a-personal-injury-attorney-what-do-you-need-to-know/ https://www.lawyerforyou.org/blog/hiring-a-personal-injury-attorney-what-do-you-need-to-know/ Editor Sat, 29 Dec 2018 03:36:38 -0500
Laws Hovering Around Debt Relief With Better Noteworthy Information Even when the debtor is quite at fault for not just able to pay the debts off right on time and within the tenure period, there are multiple debt relief laws in county as aimed in protecting the same. Just to be clear in this regard, these are not in proper place to relieve them of responsibility to pay off what you actually owe. On the contrary note, it is always the right of the creditor to call debtor just for asking for the payment and then rightfully sue them in court in case ever the need arises.

But, the market comes across some of the malpractices, which are rightfully abusive often times. That is the reason for the federal laws to feel that need of implementing couple of some laws for protecting the debtors from the collection agencies, and even from the creditors. This will help them to keep right in line whenever they start calling debtors for forcing them to just pay up. There are multiple laws and some provisions found on Federal Trade Commission or FTC website. It is always suggested that you might have to read through them for clear idea of rights. Whenever you are deep in debt and asking for relief, there are two major laws to help you. One if the TSR and another one go by the abbreviated form FDCPA. You can easily go through some of the debt relief reviews, to learn about these laws in details.

More about TSR for your immediate help:

You have to be aware of a law, whenever you are looking for debt relief under the name or TSR. It is also known as Telemarketing Sales Rule. This law is designed to protect interest of the consumers’ right against for profit debt relief companies, which are actually taking advantage of the same. This rule helps in protecting debtors in some areas of concern.

  • It comes with information on upfront payment. It has always been deemed illegal to collect any payment before debt relief service has been thoroughly fulfilled. This legal advice and help is primarily designed for the for-profit debt relief organizations. They are just allowed to collect payments when the debt relief is made evident.
  • This evidence can be successful settlement, re-negotiation, reduction or even debt amount and payment terms for around one debt of debtor. It can also be associated with submission of the written debt based management plans, agreements like settlement ones and more, as made between debtor and creditor. Here, both parties need to be in rightful agreement.
  • It comes with proof of the initial payment was made to creditor, depending on the agreement that the debt relief firm helps in negotiation to a great extent. You might even get the chance to set up escrow account where consumers get the chance to deposit service fee of the firm.
  • Well, it is only to be collected once the debtor is thoroughly satisfied of services when a pre-agreed milestone has been properly met. It applies to the full payments or even re-negotiations for any lower monthly payment.
  • Any fees to be collected as payment for the debt based relief service must be in accordance with service fee, as collected when debts are paid, fees withdrawn for debt settled which is to be proportionate to total service fee when debts are settled. It can also deal with total service fee as acceptable percentage of what debtor might be saving as result of settlement that debt relief might help in negotiating.

Checking on the full disclosure under TSR:

It is mandatory for the debt relief firms to be upfront with clients just to help them understand about the relief programs. Clients are to be informed pretty well of how long they might wait to realize results of negotiations with the creditors. Customers are asked to have an idea about cost of procuring debt relief services and any dedicated account related to it. You can explain the client’s credit standing as debt services might be placed on credit report. For dedicated account to be set up, five conditions are mandatory for you to meet.

  1. The account needs to be associated with a financial institution as insured adequately.
  2. The debtor is the one over here to maintain full ownership of account, which will include the interest level to it.
  3. The debtor around here will be given the chance to withdraw funds from account anytime when needed and not penalized for the same.
  4. This company should not own or associated with the company’s housing account.
  5. It should not have any kind of referral fee agreement, placed between the debt relief firm and financial institution holding account.

You need to be aware of the service representation as another part associated with TSR. Any form of false advertising or services or mis-presentation is prohibited strictly by TSR. The services, as associated with the for-profit debt relief firms should always be stated in a clear manner and without any false promises. Nothing false will be entertained and should not be made to the consumers and debtors. The current success rate over here is rather clear, truthful and also met while included in promises as made to debtor over here.

A bit about FDCPA:

The FDCPA’s main premise is to protect debtors and consumers from being harassed by the creditors and collection agency hired to come after what they actually owe from the debtor in question. This law is not going to condone any kind of collection process but will impose some of the strict laws so collection process fails to turn rather abusive in any way. In case, you come across any emergency to file complaint against collection agency or the creditor, then you can get hold of consumer finance protection bureau or the CFPB for help.

At the end, knowledge is the key of it all. You can start learning about the present practices and things will turn to work out pretty well around here.

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Uncategorized https://www.lawyerforyou.org/blog/laws-hovering-around-debt-relief-with-better-noteworthy-information/ https://www.lawyerforyou.org/blog/laws-hovering-around-debt-relief-with-better-noteworthy-information/ Editor Wed, 19 Dec 2018 09:03:40 -0500
Which One To Choose Between Law Expert Or Debt Settlement Companies If you ever plan to negotiate with creditors, chances are high that you might want to move forward by hiring a lawyer or just do it on your own. You don’t have to think about hiring any debt settlement firm for the same. In case, you are actually planning to pay debts, then you might be wondering if you plan to hire a lawyer or just deal for a debt settlement firm to help you with the negotiation with creditors. In most of the cases, it is always better to just avoid any of the debt settlement firms at all.  Even though it might make some sense to hire an attorney for the service, you have to be sure to get services from legitimate law firm.

Now, you must be wondering why you should go for the reputable attorney by avoiding the debt settlement firms if you actually want to negotiate the debt settlement. There are times when you might think to be better off yourself in settling debts on own but things might not work out as smoothly as you thought it would be. You can check out debt settlement reviews to know how these debt settlement firms work and things will work out well.

Ways in which these firms actually work:

You need to know the truth before you actually head for the debt settlement firm and invest some money for their help. These firms will mostly claim that they are able to talk your creditors into settling some of the unsecure debts for the amount on dollar. Well, there are some firms which can keep up promises but not all can do that. In case, you are just current on your payments, they will tell you that the creditors will not settle unless you stop the payment procedure.

Most of the time, these companies will tell consumers to make payments, which can otherwise go to creditors, to them for negotiating with the creditors. These payments are then used for covering monthly fee for company working for you and for your savings, which are set aside for future settlement of debt. The debt company will compact creditors once you have saved quite some bucks and offer lump sum that is less than what you owe.

Sometimes, the debt settlement firms might charge contingency fee, which is mainly a percentage based on amount you have saved through settlement. There are some other fees involved too like set-up fee and more.

Things debt settlement firms won’t inform you about:

These firms are not going to mention that once you actually stop the payments, the amount you will owe after that will increase because of added fees and some of the interest charges involved. They are further not going to tell you that the creditors will not have to accept lesser amount than they owed to settle debt or that many creditors will not go for the settlement, mainly while working with debt settlement firms. There are some creditors, who might get motivated to sue you with legal help if you are actually working with debt settlement firm.

Unfortunately, most of the settlement companies will not explain the risks to customers as they are for-profit agencies. They are in business for helping out clients but they will look after their own growth as well. They are here to make a buck.

Why you need to hire a lawyer:

In case, you think you need some help with settling debt or are unsure about whether these negotiating settlements will be a clever idea, skilled lawyer can provide you with practical legal advice after analyzing situation and representing you if credit files lawsuit. It is hard for the debt settlement companies to do that unless they have hooked up legal help as part of their business. If so, then you don’t have to look any further for secondary help.

  • It is always a job for the attorneys to go over all problems you are currently facing before getting you the options. Proper lawyer will go over all options and help you figure out if you actually need to settle debts or whether you might take a plunge in other cases like filing bankruptcy or anything similar to that. It is a bit different from what you get from a debt settlement firm, which is here to convince you that they will settle the debt for you.
  • In case, you get sued by the creditors, your attorney will be able to defend you as part of the job. Similarly, if the creditor, in any way, violates the law like Fair Debt Collection Practices Act, just for collecting money from your side, the attorney is here to offer you with specified advice and tell you more about the ways to proceed in such scenarios.

Be sure to avoid bad debt settlement lawyers:

Everything is not bright and good in legal helping section as well, when the matter revolves around debt settlement firms. Attorneys need to have license and supposed to uphold some of the strict forms of ethical standards. But, not all of them follow the norms as they should have been. Some of the companies will employ lawyers to act essentially just as fronts, for providing company the appearance of legitimacy. But, there are lawyers, which might have nothing to do with you or even little, if they have to. They don’t have anything to do with the debt settlement process or even with the creditors.

Make the right choice:

You have to make the final decision on the choice you want to make between the debt settlement firm or legal helping hand. It actually depends on your belief to be honest. There are some reliable debt settlements firms available, ready to serve you right with the settlements, which even the legal workers won’t be of any help at all. You just have to find them before making the next step further in this regard.

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Uncategorized https://www.lawyerforyou.org/blog/which-one-to-choose-between-law-expert-or-debt-settlement-companies/ https://www.lawyerforyou.org/blog/which-one-to-choose-between-law-expert-or-debt-settlement-companies/ Editor Wed, 19 Dec 2018 08:54:03 -0500
What is a Conveyancing Solicitor and What do Their Services Cover?  You know that you need a conveyancing solicitor and know the basics of why you need one. But what are all the services that are included?

Conveyancing solicitors don’t just write legal contracts, nor do they just arrange the title transfer and registration with the Land Registry. They also provide a comprehensive service to homebuyers which includes legal advice regarding the contract, any issues that have been highlighted by the property surveyors and the mortgage offer. In addition to this, they also perform a myriad of different searches through the relevant local authorities which can reveal detailed information that relates to the property that you intend on buying. These searches could include –

  • Local authority questions such as public paths, common land, pipelines, building plans and noise abatement zones.
  • Checking environmental flood risks which can be done at the land registry.
  • Water authority research to determine how your water would be supplied and if there are any public drains on the property that will potentially affect any prospective building work or extensions in the future.
  • Checking the title register and title plan which are legal documents that prove the seller’s ownership of the property. Both of these checks are legal requirement in order to sell a property.
  • Additional and location specific research. For example, if the buyer is concerned about fracking in Yorkshire or tin mining in Cornwall.

 What Are the Different Types of Conveyancers?

 Licensed Conveyancers

Licensed conveyancers do not have the same level of training or law experience as conveyancing solicitors, but they are qualified and deal exclusively with property law. They can work anywhere that deals with the title transfer of a property or piece of land. Their scope of work isn’t just limited to a law firm. They can undertake work within anything from property development companies, housing associations, building societies and with local authorities. In 2017 it became a requirement that licenced conveyancers have a badge placed on their website to show that they are regulated by the Council of Licensed Conveyancers within the UK.

Conveyancing Solicitors

Conveyancing solicitors are fully qualified practitioners who can undertake all aspects of the conveyancing process on your behalf and generally have a wider scope of experience in the other aspects of law surrounding the property spectrum. This wider range of experience can often prove useful if you are dealing with additional legal matters at the same as buying your new home.

Conveyancing solicitors within England and Wales are required to be registered with the Law Society which is regulated by the Solicitors Regulation Authority (SRA). The SRA regulates more 180,000 solicitors including single practising solicitors to corporate companies that have a global presence. All practising solicitors are required to adhere to the same code of conduct and principles, and the SRA provide them with professional advice to enable them to do so. The current standards and regulations can be found in the SRA Handbook here.

 Both conveyancing solicitors and licensed conveyancers are capable of undertaking the conveyancing process when you are buying a new property, and there is little distinction between the two. However, you are best seeking a conveyancing solicitor if you are looking for any additional advice apart from buying the property itself.

 DIY Conveyancers

It may come as a surprise that anyone can act as a conveyancer and in the UK, there is no existing law that prevents anyone taking on the process themselves. However, we do not recommend taking on this process yourself as it is complicated and there is a high risk of making mistakes, and when dealing with property, the risks are too high. Most people recognise this risk which is why the majority of conveyancing is undertaken by fully qualified solicitors.

 What Does the Process Involve and What Should I Expect When Buying a Property?

Once a purchase price has been agreed and accepted by the buyer then that’s when you begin working with a conveyancer. However, it is important to remember that an offer on its own isn’t a legally binding agreement until the contracts are exchanged and that the conveyancing process takes up to twelve weeks to complete. However, the types of process do differ depending on whether you are selling or buying a property, or both.

 Firstly, your conveyancer will draft a contract for you to agree and sign which will outline the conditions of sale, particulars of sale and the agreed completion date. At this point, it is important for you the check the tenure of your new property to determine whether it is freehold or leasehold. Leases that are under 80 years can often be problematic and expensive to extend, and you also need to have owned the property for at least 2 years before you qualify to do so. In general leases under 60 years are best avoided.

 The drafted contract will then be sent to your seller’s conveyancer. Once the draft has been approved by both parties, then a standard contract will be drawn up. One this final contract has been agreed and signed, the conveyancers will then exchange the contracts at which point the deposit will be transferred.

 The date of completion in which the property is legally transferred to your name. By this stage, the seller must have removed the last of their belongings in the property and given the keys to the estate agent who will then release them to you.

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Uncategorized https://www.lawyerforyou.org/blog/what-is-a-conveyancing-solicitor-and-what-do-their-services-cover/ https://www.lawyerforyou.org/blog/what-is-a-conveyancing-solicitor-and-what-do-their-services-cover/ Editor Fri, 14 Dec 2018 10:08:13 -0500
So You Want to Write Your Own Will

Legal fees are expensive and you might not want to invest hundreds of dollars to have your will created by a professional. Depending on your situation, it might be appropriate to write your own will. In the event you own property, have a large family, or possess considerable wealth, you'll definitely want to contact a lawyer to help compose your will.

If you choose to write your own will, include the following sections:

  1. Declarations page. The declarations page includes your name, birth date, and legal address. Feel free to be specific and descriptive about yourself on this page so that readers know that "it's really you" who wrote the document.
  • Also on this page, it's necessary to state you're over the age of 18 and "of sound mind."
  • You'll want to add that no one is forcing you in any way to make your will and that you're doing it of your own free will.
  • It's wise to say that you're "revoking" any prior wills and codicils (such as attachments to wills) and that the current will is your "last."
  1. Executor page. Next, you'll want to designate who you want to manage your affairs in the event of your death. Married people usually designate their partners to be their executors.
  • The key in selecting the executor is that it be someone who is knowledgeable about your affairs.
  • Speak to whomever you plan to name as your executor in advance. The person selected will hopefully be comfortable with your naming him.
  • Also, it's wise to appoint an "alternate" executor. State that in the event your executor is unable or unwilling to serve in the role, you want the alternate to step in and assume the position.
  1. Guardian page. If you have children younger than age 18 or dependents with special needs who are unable to care for themselves even though they're over 18, it will be necessary to appoint a guardian to take care of them in the event of your death. As you might suspect, it's integral you discuss this issue at length with the person you have in mind.
  2. Beneficiaries page. This section of the will is where you list all of your beneficiaries by full name, relationship to you and their legal addresses at the time of the will's composition, in addition to what you want to will to each person. Be specific about what you plan to leave to each beneficiary.
  3. Burial and funeral page. Specify here whether you prefer to be buried (and where) or cremated. Also, you might include your preferences for your funeral, such as open or closed casket, no public funeral, private service only, and the like.
  4. Signatures page. Although you're nearly done with your will, this page is quite important as it verifies and validates your document.
  • Not only does it include your signature, full name and address at the time of the will's composition, it denotes that same information for those witnessing your signature. In most states, two witnesses' signatures are all you need. However, ensure you check your state's requirements when it comes to witnesses before completing this part of your will.
  • The page needs to state that the witnesses actually witnessed your signing of the document. Include the date and where they were at the time of their signing.

If you've included provisions that your family should see right away when you die, like your wishes for your funeral, keep a copy of it in your home and let your loved ones know where to find it. A will locked away in a safety deposit box will be of no immediate help to your loved ones, since they would be unable to access the box's contents immediately upon your death.

Depending on the laws in your state, parts of your will could be overruled based on what you included in your document, so it's important to become familiar with and comply with the laws in your state regarding passing on your estate.

If you have questions about writing your will or possess considerable wealth or property, contact an attorney to obtain legal advice so that your wishes can be legally documented in the proper form for your state.

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Uncategorized https://www.lawyerforyou.org/blog/so-you-want-to-write-your-own-will/ https://www.lawyerforyou.org/blog/so-you-want-to-write-your-own-will/ Editor Sat, 01 Dec 2018 23:34:01 -0500
Are Pre-Paid Legal Services a Good Idea?

Nearly everyone has been exposed to offers for pre-paid legal services at one time or another. While the United States has more lawyers than any other country in the world (and more lawsuits, too), pre-paid legal plans have never become very popular here. They are quite popular in Europe, however.

Are they a good thing? Are they a scam? It really depends on what type of legal services you're likely to use. Read on and see if it makes sense for you.

What exactly is a pre-paid legal plan?

A pre-paid legal program is similar to an insurance policy. The subscriber pays a recurring fee for certain legal services; the services might be included with the subscription fee or offered at a reduce rate. Plans vary dramatically in what they offer and their cost. Be sure to know what you're getting before you sign on the dotted line.

The Advantages:

  1. Low cost services. If you know you're going to have a regular use for a lawyer, it can be beneficial. For example, if you're a real estate agent, you could have all of your clients sign up for pre-paid legal services and then use the service for deed preparation. You would likely get a commission and the client would save a little money.
  • Keep in mind that the services are not for commercial purposes, so in the above example the real estate agent couldn't use the services for the legal needs of his real estate business. However, the people buying / selling their property do make out well.
  1. Free phone calls. Most plans offer free advice over the phone. Over 50% of legal issues can be handled with a phone call and a little follow-up.
  2. Minor legal issues are essentially free, provided that you are paying your dues.

  3. Free legal forms. Pre-paid plans offer a library of free legal forms that can be used by members.

The Disadvantages:

  1. Legal problems can still cost a bundle. If you ever have to actually go to court, the included services run out quickly. You may be entitled to a specific number of hours for 'free', but preparing for court can take hundreds of person-hours. While you might get a discount for those hours, you could get the same discount elsewhere if you shop around.
  2. The quality of legal representation might be less than stellar. The member law firms tend to be new lawyers or less-successful law firms, growing their businesses with discount services. In fact, when a pre-paid legal company was sued recently, they hired a high-powered Manhattan firm to represent them, not one of their pre-paid legal affiliates.
  • So common or minor legal issues are fine for them to handle, but you may want to look elsewhere for legal help on complex issues.

Who should consider using prepaid legal services?

If you're likely to have a significant amount of legal busy-work in the near future, they can make sense. If you need to have your will reviewed and you're buying a house and selling a business in the same year, then it can make a lot of sense.

If you don't have any foreseen legal issues or do have major legal issues, a pre-paid plan probably isn't in your best interest.

Pre-paid legal services are here to stay, but it is doubtful they’ll ever be widely accepted. The average person rarely needs a lawyer. When they do need a lawyer, the limited services and questionable skill of the legal provider might not be sufficient.

Do some research and see if it makes sense for your situation. Just be certain that your source of information isn't just trying to sell pre-paid plans. There may be times in your life when a pre-paid legal plan can save you some money and other times that you can do without.

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Uncategorized https://www.lawyerforyou.org/blog/are-pre-paid-legal-services-a-good-idea/ https://www.lawyerforyou.org/blog/are-pre-paid-legal-services-a-good-idea/ Editor Tue, 27 Nov 2018 23:25:55 -0500