Archive for January, 2010

Accident Compensation – Why Bother With A Compensation Claim?

Sunday, January 31st, 2010

People are injured everyday, some worse than others. After a serious injury, many people are so thankful that they’re still alive and they fail to realise that the other party are responsible for their debilitation. Hit them where it’s going to hurt them with an accident compensation claim!

Many people brush off this fact and just want to get on with their life as it was, but soon find out that recovering is easier said than done. Unable to return to work, or even play with their kids in the back yard, the thought of filing a compensation claim becomes more and more plausible, and rightfully so.

How Do I Make Those Responsible Pay?

Simple enough, you file an injury compensation claim with a compensation solicitor, but it is always not so simple. Whether filing a claim against a business, insurance company or individual, you need someone who understands the details and is willing to go the extra mile to gain you the compensation you deserve.

Those responsible will have solicitors on their side, working hard as well, so choosing a representative for you will be the most important decision in the initial stages and can make all the difference in the world for your final outcome.

Is This Just About Money?

If your solicitor is only interested in the bottom line, then you’re in for a big surprise. It not just about money; it’s about make those responsible, responsible.

This may sound like an obvious statement, but it is very true. If there were parties or individuals whose negligence has caused you injury, then it is your absolute right to demand and receive full compensation for what you have been put through and an accident compensation claim is the way to do it.

There are plenty of solicitors out there, promising the big bucks, but they don’t understand their client’s troubles, and it is these solicitors who can cost you your maximum compensation. A solicitor who truly cares and wants to ease the suffering for their clients will inevitably fight harder and win bigger payouts with better verdicts.

Do You Deserve It?

Many people are weary of filing an accident compensation claim because they dont want to be though of as a ‘gold digger’ and see many of the solicitor’s as ‘ambulance chasers’, but reality couldn’t be further from the truth.

The truth is that you are injured, your injury has left you many number of life-altering challenges, rehabilitation is costly and takes time, and you wouldn’t be in this situation if it wasn’t for someone else’s stupidity.

The question isn’t ‘why do I deserve compensation for this’, but ‘why don’t you deserve compensation for this?’

You’ve been seriously hurt by someone and you are somehow left alone in the cold to deal with it yourself. Many people find themselves in this situation, and choose to take the path of injustice and not get the compensation they deserve.

Why???

Money Won’t Change Everything But Can Help

While a large compensation victory won’t take away the pain you have felt, or somehow cure you of your debilitation, but can take away one of the biggest stresses in this time of need…

The last thing an injured person needs to worry about throughout their recovery is money. Financial difficulties add enormous amounts of stress and can seriously undermine the recovery process. However, if known properly, you can place your compensation claim’s financial stress on a personal injury solicitor.

Any and all medical/physiotherapy bills, along with missed time at work and general mental anguish and family stress should not be on your shoulders alone to bear. After all, it’s not your fault you’re in this situation, so why should it be your responsibility to pay for it?

Do the right thing, and get what you deserve. Make today, the day you take back your life.

Collection Agency Law Explained

Wednesday, January 27th, 2010

If you have ever been contacted by a collection agency, you know that it can be an unpleasant experience. A collection agency can turn simple acts, such as checking the mail or answering the phone, into dreaded tasks. However, it is important to know that there is a law in place intended to protect the people that collection agencies contact. The FDCPA (Fair Debt Collection Practices Act) was enacted to keep debt collectors from abusing, harassing, or deceiving a person when attempting to collect a debt. It also gives debt collectors strict guidelines to follow when collecting a debt. In this article, we will have this collection agency law explained in simple terms, to better inform debtors of their rights.

For starters, the FDCPA outlines very clear practices for debt collectors to follow when contacting a debtor. Debt collectors are only allowed to call during reasonable hours (usually 8:00 a.m. 9:00 p.m.), but they are also allowed to call a debtor at work. However, if the debtor notifies the collection agent that their employer wants the calls to cease, the debt collector must stop calling the persons place of employment.

There are also rules of conduct a collection agency must follow when collecting a debt. A debt collector is forbidden from harassing any person from whom they are trying to collect a debt.Examples of harassment include excessively calling, insulting the debtor, or using obscene language. A debt collector is also not allowed to make false statements when collecting a debt. Examples of false statements include posing as a government official, making threats (lawsuits, imprisonment, seizing of home and property, etc.), or telling the debtor they owe more than they actually do. In addition, a debt collector can not use unfair practices in attempting to collect a debt. These practices include collecting an amount larger than what the debtor actually owes, or suing the debtor for a debt they do not owe.

The FDCPA requires collection agencies to notify debtors of their rights, and any correspondence (mail or phone) has to contain the information that the contact is being used to collect a debt. The only reason a collection agency can contact a third party (family or friend) is to acquire the debtors phone number or address. If the collection agency has this information, they are forbidden to contact a third party. It is also illegal for collection agencies to tell a third party that they are attempting to collect a debt.

The FDCPA is in place to protect the rights of debtors while making a collection agents job clear and concise. If a person being contacted by a debt collector feels that they are experiencing the violations discussed in this article, it is important that these misconducts are accurately documented. The reason for this is so that the claims can be proven if the debtor decides to take legal action.

Now that you have had this collection agency law explained, you should feel more confident about your rights if you are ever contacted by a debt collector. It is best to avoid the situation altogether by staying current on your debts, but it is good to know that the FDCPA exists if ever find yourself on the receiving end of a collection call.

Child custody, in and out of court settling of San

Sunday, January 17th, 2010

Child custody, in and out of court settling of San Diego divorce cases

With the increase in the number of San Diego divorce cases, there comes a complication of the issue of child custody to an extent that could not have been imagined before. A San Diego divorce case does not entail just the problem of the separation of the two spouses, but also the division of assets, assigning child custody and handling the taxes in a beneficial way for the divorcing parties. Because of the legal complications of the San Diego divorce cases and the associated child custody hearings, lawyers find themselves getting closer and closer to the separating couple, to the extent of becoming some sort of personal advisors. On many occasions, the lawyer is the only one to be able to properly deal with the complexities of a San Diego divorce. A San Diego divorce can become so stressful that the members of the couple end up losing control of their behavior, especially when child custody is at stake.

The issue of child custody may appear during several stages of a San Diego divorce case. For one thing, given the delicate nature of the situation, the attorneys may advise the couple to settle child custody out of court, so as not to leave the final decision in the hands of a judge that does not personally know the family and their circumstances. However, the question of children can be so hard to agree on, that the parents may just decide to leave it up to the court and then a large portion of a San Diego divorce trial will focus on child custody. According to the judges, the toughest question to settle during a San Diego divorce is precisely whom to leave the children with. Usually, a San Diego divorce and the associated child custody battle will be settled in favor of the mother.

The ruling passed by the judge may not be the final word in a San Diego divorce case though. After the confrontation in court, the struggle of the San Diego divorce can continue unofficially and may even take on violent forms. Especially as regards child custody, things can get rough, as one of the parents may decide to by-pass the decision made during the San Diego divorce trial and kidnap the child from the custodian parent. Although this is not the norm, it can happen that emotionally unstable parents feel the decision of the judge to be so unjust that they have to take the issue into their own hands. The kidnapping is possible because the child will trust the non-custodial parent, so the little one may be taken away without much ado. If there is a need for a stronger confrontation, the threat of fire weapons may be used, which is possible in the case of a San Diego divorce given the extensive availability of fire guns in California.

When the situation gets aggravated to such an extent, it is usually only the divorce lawyer that can intervene. The attorney will first establish the legal framework for getting the child back to the custodial parent. In order to do this, the lawyer will go back to the judge of the San Diego divorce trial and ask for a restraining order against the non-custodial parent, thus emphasizing the danger that he/ she represents for the child. The lawyer will then make use of his professional connections with the police, detective agencies, and the district attorneys office in order to trace the parent who took off with the child. These are resources that are not readily available for the custodial parent. Once the kidnapper parent has been located, the lawyer will try to establish a channel of communication with him, either by entering into dialogue with the kidnapper, or by putting the two parents into contact with each other. If the child is thus recuperated, the attorney has to secure that the custodial parent and child will be protected from the repetition of the deed. It is only after child custody has been thus settled that the San Diego divorce case can be considered closed.

San Diego divorce cases, just like all divorce cases around the United States, have become more numerous and more stressful for the parties involved. There seems to be a larger degree of alienation between the feelings and wishes of the family going through the separation and the results achieved in court. This happens because of the high degree of specialization of the divorce cases, which makes it impossible for the members of the couple to handle the separation and the associated settlements themselves. Because of this reason, all will be decided during a legal case, where -attorneys will argue for the two positions and an unknown judge will pass the final ruling. Not surprisingly, one of the two parties, if not both, will find the resolution of the case suboptimal, or even traumatic. This feeling of frustration, combined with the general high stress level associated with any divorce, may lead to violent acts, such as the kidnapping of children. In this situation again, it is the -lawyers and judges that will locate the culprit and assign the appropriate punishment. The two spouses turn from lovers into warring factions.

Buying a home? Consider Hiring an Attorney

Monday, January 11th, 2010

The most expensive thing most people will buy in their lifetime is the house in which they live. In addition to being expensive and taking decades to pay for, the purchase of a house also represents one of the more complicated legal transactions most people will ever encounter. Despite the need for contracts involving bankers, city, state and county tax assessors and other legal entities involved in the sale of land, most people never even consider hiring an attorney to assist them with the purchase of a home. That’s unfortunate, as the relatively small amount of money saved by hiring an attorney now could possibly save thousands of dollars later.

How can an attorney save you money? By double-checking all of the terms and documents of the transaction to make sure everything is legal and proper. Most people who buy homes don’t bother to check zoning ordinances or whether or not the home or fence on their property encroaches on that of a neighbor. An attorney can check these things along with tax issues and any one of a number of minor things that most buyers never even know to think about.

Right now in Texas, a number of homeowners who lost their homes to foreclosure are engaged in lawsuits against the company that sold them their houses. Among the allegations in the case are suggestions that the company that sold the property did such things as:

Tell buyers with bad credit and even previous bankruptcies that they qualified for unusually large home loans. Some of these loans had monthly payments that exceeded 50% of the buyers’ monthly income. In short, they agreed to lend buyers money that they knew the buyers could not afford to repay.

Provide buyers with mortgage documents that stated that the property wasn’t being resold but was rather being refinanced by existing owners.

Offer loan documents that contained a number of blanks which the sellers filled in sometime after closing. Buyers were later shocked to discover that their monthly mortgage payments were much higher than they had been promised.

Showed the buyers fraudulent appraisals that suggested that the property in question was worth 2-3 times its actual value.

A lawyer would have caught any one of these problems, had even one of the displaced homeowners bothered to hire one ahead of time. And yet hundreds of buyers appear to have been victims of mortgage fraud because they weren’t willing to spend a few hundred dollars to have an attorney look over the documents before they signed them.

Buying a house is agreeing to an obligation that can tie up your finances for decades. It only seems reasonable that if you are going to spend hundreds of thousands of dollars on a place to live, you might want to consider spending hundreds of dollars to make sure that the terms of your purchase are legal and reasonable. A little money spent now could save you a lot of money later.

Bankruptcy Attorney: Questions To Ask

Sunday, January 3rd, 2010

If you have tried every way imaginable to avoid bankruptcy but find that you have no other way out of the situation, the first step you should take before filing is to consult with a bankruptcy attorney. A bankruptcy attorney can be hired or appointed by the court systems to help you through the court proceedings. If you decide to select your own attorney, make sure to select someone with previous experience in bankruptcy law, preferably someone who works specifically with bankruptcy.

No matter which bankruptcy attorney you select, you should always be prepared to ask the attorney questions regarding your own case. Here is a list of questions you should always ask your attorney to make yourself more aware of your bankruptcy proceedings:

* What type of bankruptcy is right for me?

Keep in mind that the Federal court system in the United States has eight different types of bankruptcy filing available. Of course the two most popular are Chapter 13 and Chapter 7, but there are a variety of different details and rules that apply to each type of filing. A good bankruptcy attorney will be able to sift through your financial difficulties and recommend the best type of bankruptcy for you.

* How do I file for bankruptcy?

Filing for bankruptcy will need to be done in the state where you currently live. If you plan to remain represented by a bankruptcy attorney, their legal staff can help to prepare all of the paperwork that is necessary to present to the court system. If you simply want to use the bankruptcy attorney for a consultation, make sure you dont leave the attorneys office without the necessary paperwork to begin the bankruptcy process.

* What type of fees will I owe?

This is important to ask in regards to your bankruptcy attorney as well as the court system. Most bankruptcy attorneys will give a free consultation but any remaining time on the proceeding or in court will cost a fee. Some attorneys charge by the hour while others charge a flat fee for bankruptcy services. As well, the court systems usually charge a court fee connected with filing the case, administrative charges and extra Chapter 7 fees to pay a trustee in charge of the bankrupt account.

* Where do I go to file my bankruptcy claim?

Bankruptcy cases are handled by the federal court systems in every state. This usually means that the bankrupt party will need to give the bankruptcy paperwork to the state courthouse, usually in a states capitol city. Your bankruptcy attorney should know the address and rules regarding whether or not paperwork can be sent by mail or if paperwork needs to be given in person.

* What happens after filing for bankruptcy?

Immediately after filing for bankruptcy, the court system will send out notification to creditors of the pending bankruptcy case. From this point on, creditors are considered to have a “restraining order” by the debtor and are not allowed to contact the debtor requesting payment. Depending on the type of bankruptcy, a hearing will be scheduled and deadlines will be set for creditors to file a claim and attend the hearing. Of course, all of the proceedings from here are dependent on the type of bankruptcy filed, so it is important to be in contact with your bankruptcy attorney who can more readily answer these questions.