Archive for the ‘Attorneys’ Category

How to enrol for a legal plan?

Sunday, May 2nd, 2010

Are you thinking of getting on the pre-paid bandwagon? Choosing a
particular enrolment method can be very important in determining the
benefits, costs and conditions of coverage of your legal plan.

A voluntary enrolment refers to a membership of a legal plan where people
voluntarily subscribe to a pre-paid legal service in response to a direct
email offer, during an employers open enrolment period or during
individual sales representations. In this arrangement, you pay the prepaid
charge, get the standard discounts open to all other members of the plan
and get the coverage as per the terms and conditions of the plan.

In a group plan, all members are automatically included in the plan because
of their status as a group. For instance, many employees enjoy a 100%
participation in legal plans sponsored by their employers. They do not have
to pay any pre-paid charge or premium, as legal coverage in the work place
is now regarded as an employee fringe-benefit.
Some universities also provide legal coverage for their students, financing
the plans from their general tuition fees.

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How to choose an attorney?

Saturday, April 24th, 2010

Throughout the course of your legal problems, you will have to make some
tough decisions If you were involved in an accident then you have to
choose between bringing criminal damages or press with a plaintiff case, if
you have a small business and you were involved in a deal, then you have to
decide whether to sign it or let it pass. There is no clear-cut answer in
many of these dilemmas, and getting the right lawyer is crucial to you. We
examine the perks of choosing a lawyer in a pre-paid legal plan as opposed
to hiring your own lawyer, and some simple steps you can take to choose a
good attorney.

The number one criterion has to do with a lawyers legal ability: someone
who lays the law down for you, present you with options, explain the
ramifications of each decision you make and give you recommendations on the
best course of action. In this day and age of complicated legal matters,
many lawyers are increasingly specialised and you stand to get better
information from someone with a practice focus in a particular area of the
law than a generalist who deals with a broad spectrum of legal issues.
Building rapport is also very important: your relationship with your lawyer
can make or break your case. You need a lawyer who gives you candid advice
and council you can trust, someone with enough perspective to step back
from an issue and look at it from all perspectives.

Client-lawyer relationships are very limited within a pre-paid legal plan.
Because of preventive nature of most plans, your contact with your
lawyer will be limited on many occasions. You seldom get to talk to your
lawyer face-to-face as most of the consultation is done over the phone
and even when you get to talk to them, its difficult to build rapport
when your office consultations are limited to a dozen hours a year.

The good news, however, is you still have some options left. When you sign
up for a legal plan, you get to choose your lawyer and there is a number of
steps you can take to increase the likelihood of getting a good lawyer.
First, you need to ask for referrals from previous clients. Ask around
about good attorneys in the network. Once you get a few names, check their
educational background, their qualifications and their professional track
record with your states bar association.
After you receive your referrals, dont shy away from setting up interviews
with attorneys in the network. Most dont mind receiving enquiries about
what they do and how able there are. Ask tough questions: How long have
they been in practice? How satisfied are their previous clients? How many
legal problems of interest to you have they taken recently?

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Health Insurance: Your Rights Under State Law

Monday, April 19th, 2010

Health insurance is regulated at the state level and as such there are certain very important state regulations that you should be aware of. These health insurance regulations vary from state to state. Do not make the mistake of assuming that the health insurance policy that you purchased in Pennsylvania will be governed under the same rules as the health insurance policy that you would like to purchase in Florida.

It would be close to impossible to go into a great deal of depth on the various regulations across all 50 states in this short article. However, there is a health insurance information site run by Georgetown University that allows the ability to view and print A Consumer Guide to Getting and Keeping Health Insurance.

Each of these health insurance Consumer Guides are state specific which can save you quite a bit of time in sorting through what does and does not apply to your state of residency. It is important to compare health insurance quotes side by side from top carriers and be able to contrast the pros and cons of each company’s policy. Be a knowledgeable consumer when shopping for health insurance and know your rights under state law.

Group Legal plans benefits for employer and employee

Friday, April 9th, 2010

A properly developed group legal insurance plan can be the perfect
complement to any employers work life initiative. Considering that many
employees are nowadays increasingly swayed by benefit options when making
career decisions, Legal insurance is a viable product for many employers.

However, there is no single fit-for-all group legal plan for all
organizations. For a start, each organization has a distinct list of
requirements when contracting for legal insurance. A requirement built on
the premise of reduced administrative costs will require a different set
of legal services than requirements built on enhancing a benefits package
or protect against liability.
Legal plans also vary in what they offer: the quality of their customer
service, flexibility of plan design and finally the experience and
professional track record of their panel of attorneys.

In order to minimize the risk of poor service and plummeting employer
satisfaction, an employer should conduct both requirements analysis
amongst its employee base to cover for their difference needs, and a due
research to select the most appropriate legal plan to fit those
requirements based on experience, integrity and track record.

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Forex Trading: The Most Common Flaws

Thursday, April 1st, 2010

Flaws due to multi indicators and due to the principle of confluence:

Many traders are very much attracted to the sophistication offered by the multi indicators and use them in their forex trading systems. Many of the confluence system indicators show the price movement and in no way adds any value to the trade. Due to this, the traders either end up over bought or over sold technical indicators like the stochastic, momentum indicators, candle stick chart pattern recognition, Bollinger band breaks out even neural networks which are supposed to be artificial intelligent systems. The technical indicators just show signals which are similar to buy or sell or hold, making the signal generated to be correct. Theoretically it sounds good but in reality to arrive at a conclusion might be difficult. As a result the traders are confused in making a right decision. They either enter too late or too early or remain still without being able to make a decision to enter the market. The major flaw is due to the use of useless trading system which does not serve the purpose to make profits, but confuses the traders and complicates the forex trading until the trader loses.

Another dangerous flaw found in forex trading is of an emotional nature interwoven into the process. It is fear and greed of the trader. A profitable forex trade can lead to exuberance and over joy, but this is the time when greed comes in and crosses the aspects of risk management. When a trader is hooked to winning, out of greed he over-rides all aspects to see more and more profits, only to see them crash to earth. They wait for the prices to regain, but in dismay may some time and with worst possible losses. This is the time when fear crops up and paralyses the trader not making him to open up any position. Hence while trading, the trader should not override the emotional side of trading, stick to discipline of the trade which can prevent them from committing the flaw of forex trading.

Another kind of flaw can happen when the trader is an unconcerned person or the one who is lazy, or with no drive to gain profits or feels the need to be profitable. These people would have entered into forex trading due to hearing it as an easy game. For them it is not a trade which involves skill, trade management, preparation and re-investment. It is a fun game for them, where loses do not make any difference to them. Such persons make a wrong footing, with a wrong objective.

Flaws in forex trading due to the inadequate knowledge of the trader:

Some of the losers start with good purpose in the trade. Even though they had gained some knowledge from here and there they might find it difficult to apply them practically in the trade. Inadequate knowledge might be the major flaw which stops them from achieving success.

Dont Lose Your Home! Contact a Bankruptcy Attorney Today!

Sunday, March 28th, 2010

The decision to file bankruptcy is a serious decision but it is a decision that can give you a fresh start if there is no other way out. Bankruptcy is a legal way to discharge unsecured debt that can provide an overwhelmed debtor with a new beginning. It may be possible to keep your present home and your car after filing bankruptcy. A law firm such as the Malaise Law Firm, with attorneys skilled in San Antonio baenkruptcy law can help you decide if bankruptcy is the correct decision for your particular situation. If the decision is made to file bankruptcy, they will explain to you the pros and cons of the two types of bankruptcy available to individuals, Chapter 7 and Chapter 13.

Chapter 7 is what most people usually think of as bankruptcy. In Chapter 7 bankruptcy, a debtors non-exempt assets are liquidated or sold with the proceeds used to pay toward unsecured debts such as credit cards, loans, and medical bills. In the majority of bankruptcy cases people do not lose any property and the unsecured creditors get nothing. Several months after filing bankruptcy the unsecured debts are discharged and the creditors can never collect on the debt. A secured creditor may still enforce a lien to recover property secured by the lien.

Chapter 13 is a debt reorganization or consolidation bankruptcy. If a debtor has regular monthly income, their debts including mortgage arrears, car payments, credit card bills, medical bills, loans, student loans, etc. are combined into one low monthly payment. Since the debtor is paying back their creditors through a repayment plan, the debtor does not risk losing their assets as they may under Chapter 7 bankruptcy laws. During the repayment plan creditors are prevented from contacting the debtor without first going through the debtors bankruptcy attorney and the court.

Millions of people declared bankruptcy in 2007 to get the fresh start they needed. Contrary to popular belief, your credit is not permanently damaged and it is still possible to get credit after filing bankruptcy. At the Malaise Law Firm, our San Antonio bankruptcy attorneys have over 40 years experience helping people file bankruptcy, with two board certified attorneys. We put our emphasis on helping our clients do what is in their best interest and our clients needs always come first.

The Malaise Law Firm serves the residents of San Antonio, Houston, Dallas, Fort Worth, Corpus Christi, Harlingen, Brownsville, and McAllen, Texas with all of their legal needs including bankruptcy. If you would like to see what we can do to help you please contact The Malaise Law firm today at http://www.malaiselawfirm.com/contactus or call 1-800-BANKRUPT for immediate assistance. or call 1-800-BANKRUPT for immediate assistance.

Don’t Divorce Your Children

Monday, March 22nd, 2010

Divorce is certainly an emotional time for families. In fact, it ranks as one of the most stressful experiences in life. However, it is not only the adults who experience this stress. If the adults are parents, their children often suffer greatly. Their suffering can not be entirely eliminated. A certain amount of grief at the ‘death’ of their parents’ relationship is to be expected. Nevertheless, while the adults are going through typically arduous legal wrangling it is important for them to remember the needs of their children and put them first. Deciding to cooperate for their sake will help to protect the children’s emotional well being by maintaining their sense of security and need for unconditional love. Marital breakdown is difficult for everyone – especially children. There are several ways in which loving, responsible parents can cooperate for the good of their children. Even though the marriage may have broken down, the parental relationship is ’till death do us part’.

Child and youth counselors emphasize that children need lasting relationships with both parents. More often than not joint custody is granted because of this accepted understanding. Ideally, the relationship of the parents should be business-like and cooperative for the sake of the children. Children should not witness hostility between their parents and should not hear negative statements about either parent. It is recommended that parents commit to regularly scheduled meetings, in a neutral location for the purpose of discussing child-related issues. Education, medical, religious and moral issues that concern the children’s well- being need to be dealt with by both parents. If emotions prohibit calm conversation, there are often family justice counselors available in the community to facilitate these important meetings.

Children going through the divorce of their parents usually have many questions and worries. Compassionate responses are required and it certainly takes mature parents in order to put aside their own issues and help their children gain some understanding about a situation over which they have no control. Unfortunately, many children experience guilt and often blame themselves for the marital breakup of their parents. Counseling – whether group or individual – can be an effective way to lessen this destructive burden. The objectivity of the counselor may help the child open up and share his/her feelings. As children mature, their questions will differ so the issue of their parents’ divorce is never really over. A commitment on behalf of both parents to open communication with the children will reassure them greatly.

Divorce Lawyer: Key to Divorce

Monday, March 15th, 2010

Divorce refers to the dissolution or the legal end of a marriage. Every state has its own legal requirements governing when a divorce may be granted. These legal requirements may include a residency requirement, grounds or a reason for the divorce, among others.

The grounds for divorce may vary from being fault-based and no-fault based. All these requirements vary from state to state. Certain exceptions like Irreconcilable Differences and Irretrievable Breakdown are common no-fault grounds for divorce in almost all states. Your divorce could be the most important financial decision in life, as well as one of the most nerve wrecking. In such a circumstance, the key person who can see you through this is a divorce lawyer.

The divorce lawyer helps you in making extremely important financial and emotional decisions like child custody, property divisions etc. You must choose a lawyer well versed and specializing in Family Law.

You can look for a good lawyer by asking around, consulting your friends, relatives and acquaintances. A divorce lawyer with references will be more helpful than the one who is completely unknown to you and all people around.

When you first meet the lawyer, give all case facts. The fee quoted by the person will be a rough approximate as the amount of legal work involved is not very clear. Usually, they charge by the hour, and a retainer fee as an advance payment may be desired by the lawyer. You are at liberty to interview a few lawyers before choosing one to represent you in court.

To be on the safe side, it’s a good idea to enquire from the lawyers the following facts:

The relevant experience he/she has in Family Law and number of years of practice in this field.
Steps involved in the divorce process as well as expected time frame and legalities involved.
Filing fee and the fee that any additional legal assistants employed will ask for.
Inquire about the Retainer Agreement policy of the lawyer/firm.
Billing cycle of the lawyer.

A good lawyer will answer all queries, and will try to address any concerns that you may have about legal implications or your case in general.

A good divorce lawyer:

Will always be prepared for all your hearings.
Will know exactly what your expectation from the case is.
Will not be able to win all hearings.
May not be able to answer your calls 24*7*365.

Once you and your spouse start the proceedings, do not sign any paper for your partner without express knowledge of your divorce lawyer. Litigations and negotiations are little subjective so ask your lawyer about his/her policy in this matter.

A good divorce lawyer is invaluable to your case, so you should choose one carefully. Also, once your case starts, do not change lawyers unless it is absolutely necessary as this may also harm your case. In case you are looking to change divorce lawyers, make sure that you get all information from the previous divorce lawyer such as who is the judge, necessary papers etc, so a smooth transition is possible. Once you place your trust in a lawyer, do it completely and assist him/her. After all, it is your own life.

Divorce and Alimony Formula

Sunday, March 7th, 2010

In divorce, a common question is, “what is the alimony formula”. Well, there really is no set alimony formula for divorce. This is in complete contrast to child support, which is decided based upon a specific formula in each state. Alimony is based on factors and those factors are decided through divorce negotiation or by a divorce judge. But, there is no alimony formula available to your divorce attorney or you to determine in advance what alimony will be paid in your case.

What does a divorce court look at to determine alimony? Those issues do vary by state. But, there are also many alimony factors that are common from state to state. So, although there is no specific alimony formula for you to rely on, there are alimony factors that you can look at to help you determine what the alimony might be in your case.

In divorce, some of the alimony factors that a judge might look at include the following. First is the length of your marriage. If the parties have been married for one year, the court’s attitude towards a request for alimony will be very different than if the parties have been married for twenty years. Because the length of marriage varies so much in all divorces, it is not possible to plug this factor into an alimony forumla to determine the alimony amount.

Another factor affecting the award of alimony is employment status. Obviously, if the spouse seeking alimony has been unemployed or underemployed for a number of years to care for young children, the home, or the spouse, that is a factor that will militate in that spouse’s favor if he or she is seeking alimony. On the other hand, if that spouse has the ability to obtain employment that will more than adequately meet his or her needs, the court might think a little differently about awarding alimony to that party. Other factors that are considered closely with this factor include level of education, job experience, the age of children in the household, and work history.

A major factor that can affect an award of alimony is the amount of property to be retained or divided by the parties. If the spouse seeking alimony has been a stay at home parent, but will have signifcant assets after divorce or has separate assets, like a trust fund, the court’s attitude towards the award of alimony will be affected. The court will certainly view a request for alimony under these circumstances much different than a request made by an individual who is receiving no assets in the divorce or who does not have any separate property.

The health of the party seeking alimony is a major factor that can impact a court’s decision in awarding alimony. If the spouse seeking alimony has a debilitating physical condition that impacts whether or how much they can work, the court will not want to impoverish that party after divorce and the court will be more likely to use alimony to address at least basic living needs.

One other factor that should be considered by the divorce court and by the parties, is the taxability of the alimony payments. In most instances, if there is no specific provision to the contrary, spousal support payments are taxable to the recipient and tax deductible to the payor. The tax benefit obtained by spreading out economic wealth in this fashion can be significant and should be discussed in depth with your divorce attorney.

One issue that is not always considered by the court, but should be discussed with your divorce attorney, is that alimony payments are, in general, not dischargeable in bankruptcy. If there is any possibility that the party who is to pay alimony will be filing for bankruptcy, the divorce attorneys will negotiate very hard on both sides to maximize the final benefit to their client in divorce.

It should thus be apparent that in divorce, there can be no easy alimony forumla, no matter what state you live in. It is impossible to plug these and other factors into a mathematical equation to arrive at a “correct” alimony formula. It is necessary that the divorce court, or the divorce attorneys review how these varied and different factors affect both parties in the divorce and then arrive at a solution that encompasses all of the divorce issues, including property settlement and alimony. They cannot simply set up an alimony formula that would work for all parties.

Debt Collection And The Law Know Your Rights

Friday, February 26th, 2010

If you owe money to a debt collection agency or debt collector, you need to know what they can and cannot do in order to collect monies owed to them. You have an obligation to pay what you owe, and the debt collectors have an obligation to follow the law and not harass you at home or at work.

The Fair Debt Collection Practices Act applies to those who collect debts owed to creditors for personal, family and household debts. These include car loans, mortgages, charge accounts and money owed for medical bills. A debt collector is someone hired to collect money you owe.

Within five days after a debt collector first contacts you, the collector must send you a notice that tells you the name of the creditor, how much you owe, and what action to take if you believe you don’t owe the money.

If you owe the money or part of it, contact the creditor to arrange for payment.

If you believe you don’t owe the money, contact the creditor in writing and send a copy to the collection agency with a letter telling them not to contact you. A debt collector may not:

Contact you at unreasonable times, for example, before 8 a.m. or after 9 p.m., unless you agree;

Contact you at work if you tell the debt collector your employer disapproves;

Contact you after you write a letter telling them to stopexcept to notify you if the collector or creditor plans to take a specific action;

Contact your friends, relatives, employer or othersexcept to find out where you live and work;

Harass you through threats to harm you, profane language or repeated telephone calls;

Make any false statement, or claim that you will be arrested; or

Threaten to have money deducted from your paycheck or to sue youunless the collection agency or creditor intends to do so and it is legal.

You have a responsibility to pay off any debt that you owe. Debt collection agencies also have a responsibility to treat their customers with respect and follow the law.

If you are being harassed by a debt collection agency, contact the authorities and report them.