3 Tips For Dealing With A Home Foreclosure

Handling a home foreclosure can be a very stressful and anxiety-filled time in your life. Not only are your finances not sufficient enough for you to afford to pay your mortgage, but you now find yourself at risk of losing your home. This could affect every aspect of your life and this lives of those who live with you. Luckily, there are some things you can do to combat this situation and try to ease the burden as much as possible. To show you how, here are three tips for dealing with a home foreclosure.

Learn About Helpful Government Programs and Assistance

It’s important that people have a safe and secure place to live. This is the best way to live a happy and productive life. Knowing this, the American government has created various different programs that are designed to help individuals and families going through financial issues, including foreclosure. According to the U.S. Department of Housing and Urban Development, programs that could help you get the funding you need to keep your home in the face of foreclosure can include the Making Home Affordable program, the Principal Reduction Alternative, the Home Affordable Refinance Program, and many more. Search the government’s websites to see if there’s an assistance option to help you retain your home.

Do Your Homework

Once you’ve received notice that your home is being foreclosed, it’s important that you do your homework in order to find out what your options are and how the process will go forth. Jerry Demuth, a contributor to HouseLogic.com, shares that one of the first things you should do once you get a foreclosure notice is to read all the literature you’ve been given regarding your mortgage and the impending foreclosure. Look for answer to questions like the timeline of the foreclosure process, what the lender can do to get their money back, if you have options to reverse the foreclosure, and what money you’ll have to pay. Knowledge truly is power in these types of situations.

Legal Ways to Battle A Foreclosure

Legally, you do have rights with regards to the foreclosure process for your home. Jeanine Skowronski, a contributor to Credit.com, shares that generally homeowners have two legal options when they’re home is about to be foreclosed on: technical defenses and substantive defenses. If you feel that you have legal standing to fight this foreclosure, talk to a lawyer who can help you uncover which legal strategy will be the most beneficial for you in keeping your home and retaining your credit.

If you fear that your home might be foreclosed on, or if you have received notices about the foreclosing of your home, use the tips mentioned above to help you navigate through this process as seamlessly as possible.

Balancing Work, Law, and Addiction Recovery

There are situations that people can get into where a balancing act becomes necessary between the ideas of work, law, and addiction recovery. Any sort of substance abuse can be common among people in certain professions, geographic areas, demographics, or even among people with a certain genetic disposition. Mix in the fact that there are legal implications regarding some substances, and recovery options can feel limited.

To be able to work around this balance, it’s important to be able to find applicable rehab centers, understand drug schedules, find anonymous resources for help, read success stories about people who have made it through similar situations, and keep your privacy intact.

Finding Applicable Rehab Centers

Going to rehab is a bit different if you have a job you want to keep. You may have to tell your boss you’re going on vacation. You may have to keep certain details private to avoid creating a stigma for your company or brand. You may even want to hide that fact completely if you have a problem, and simply want to deal with it away from your professional environment. That’s a decision each individual has to make.

Understanding Drug Schedules

Most people have an idea of how drugs are scheduled, but things can be more complicated legally if the scheduling changes over time, or under certain circumstances. There are a lot of political considerations when it comes to the legality of certain types of drugs, so depending on what style of addiction is occurring, deciding how to approach it from a legal standpoint can certainly have a long-term or permanent effect on your job. It’s important that you approach this practically.

Finding Anonymous Resources

Depending on professional (and family) circumstances, someone dealing with addiction recovery may want to be as anonymous as possible when searching for help as well. Going to AA meetings is a powerful way to get help without notoriety, and that’s why it’s such a popular resource for so many people. The fact there is no judgment involved along with the anonymity helps to create its successful environment.

Reading Success Stories

Specifically focusing on legal implications of addiction recovery, if you choose to read success stories of people who have managed to find the balance between addiction recovery and their jobs, then you can be more aware of the details and processes other people have gone through. Did they need lawyers? How much access did their employers have to their records while recovery? Questions like that will be answered.

Keeping Privacy Intact

And finally, the best balance in these situations, especially because of the legal implications of drug use, will always ensure the most privacy possible for you. This is both medically and socially, so be sure you’re very careful of the things that you post on any type of social media.

Basic Tips For Preparing For Your Court Case

Having to prepare yourself to take a case to court can be a lot of pressure if you’ve never done it before.  When your only representation of going to court is in Hollywood movies it can be a pretty daunting task to imagine having to go forward with presenting your case.

Going to court doesn’t have to be the worst experience of your life, however.  It doesn’t have to be some dreaded experience that is seen in a negative light.  Consider it a blessing to be able to have a legal system where you are able to present your facts and get the ruling in your favor.  Here are some of the best tips for a smooth and successful court case.

Find Quality Representation

The first thing that you will want to do is seek legal representation.  This means you will want to find someone who comes recommended and handles cases of the same nature.  You will want to do a proper search online for lawyers in your area.  It is also beneficial to ask your friends and family if they have any recommendations for someone local.  You never know, you may find that one your friends is actually a lawyer.  Reaching out on your network is never a bad idea.

Make sure that you discuss all of the details before deciding to move forward with a lawyer.  It is important to discuss all details of the case, listen to their interpretations of the details, discuss pricing, and make sure that you feel that you are putting your fate in the hands of someone you feel is capable.

Practice Makes Perfect

Make sure that you practice presenting your case as much as you can.  This means either doing it in the mirror whenever you have a moment alone before you start your day.  Or perhaps you can record yourself and replay it to observe yourself.

Public speaking it something that takes practice, so the more that you rehearse and polish your presentation, the better you will be and more prepared for your day in court.

Observe Other Cases

Try attending as many other cases as you can to get a feel for how they work and what to expect.  You can sit in on most cases in the courthouse and absorb the process and get a feel for how the rhythm of a case works.

Once you have a vision of how it all works you will feel much less tense about your court case since it isn’t some looming mystery.  Preparation and knowing what to expect is always going to put you at an advantage.  Do yourself a favor and put in the time to prepare yourself which will give you much more confidence when it is your time to present your case in court.

5 Topics of Law To Pay Attention To In the Coming Years

In the coming years, there are going to be some changes in the basic way that social and legal operations are going to intersect. Which means that even in a general sense, the entire population of the United States should roughly have an idea of where things are, and where they might be headed to.

Five topics of law in particular that need to be observed from both afar and up close include legal implications surrounding drugs and addiction, immigration, protesting, freedom of speech, and hate crimes. Outside the realms of rightness and wrongness, there are still a tremendous number of legal implications in limbo.

Drugs and Addiction

When dealing with drugs and addiction, the legal system can be a bit of a minefield. If you’re addicted to illegal drugs, but you still need help, where can you go? When you go to a rehab clinic, do they pay attention to the legality of the substances you’re abusing, or how you got them? If drugs use is a health epidemic, then the law should indicate that health comes first, and legal consequences get put on the back burner at the time of initial contact between an addict and a counselor.

Immigration

The legal topic of immigration is huge right now, and will be reaching a fever pitch in the coming years as the government forces that be decide what to do about the current country and world situation. It’s an incredibly complicated topic, and a solution would require a lot of thought, and then a lot of specific actions to make sure that the right people are in the right places at the right time, with the right result coming out of the other side of any implicated laws.

Protesting

With the number of protests happening nationally and around the world, the laws may be changing soon regarding what protesters can be charged with. Because there are some people who insist on damaging property, charges to the whole group may start becoming a part of the legal process resulting from a lack of self-policing by protesting groups.

Freedom of Speech

The idea of freedom of speech is in the Constitution. But, what freedom of speech means can seem to be up for grabs in the legal sense. And the more that people exercise the idea of them saying whatever they want, the stronger the pushback is going to be. Lawyers are going to have an interesting time filtering out the good and the bad in the coming years.

Hate Crimes

And finally, the laws regarding hate crimes are slowly morphing in tune with overarching governmental structure right now. The concepts of who is protected and who isn’t are changing depending on who you ask, and legislation may follow to more clearly define what constitutes a hate crime in the future.

5 Ways To Protect Your Business From Liability Suits

A responsible business owner should always be aware of the liability laws in their state of operation.  Even more, it should be the top priority to make sure that no harm comes to any patron on the property at any time.

Protecting the public from unnecessary accidents and harm requires going to great lengths to assure safety and visibility at every twist and turn of the property.  It is crucial to understand the different types of liability under the law.  Here are a few of the most effective ways to protect a business from a possibly lengthy and expensive liability suit.

Premises Liability

If a customer or a company employee is injured on the property, it could be very bad for business.  Legally, property owners are responsible for the financial repatriation of any injury that is deemed the fault of the establishment.

In this type of lawsuit, the status of the individual is a vital variable.  For example, there is the status of invitee, licensee, or trespasser.  There would be much less liability to the protection of an individual that is determined to be on the status of trespasser than a person under the status of an invitee.

Product Liability

This term refers to an injury caused by a particular defect in a product a company provides to the public.  Selling a product that is dangerous by default is a breach of product liability.

In this case, it does not necessarily have to injure the consumer.  If the product is unable to be used for its intended purpose, then the business owner could be faced with a liability suit.

Vicarious Liability

Even if the product or company does not do harm to a customer, the company could still be liable if an employee causes a client harm.  The term vicarious liability refers to the transferred responsibility.  The employer is responsible for the negligent act of their employee.  Strict screening and adequate employee supervision is one proactive solution to this liability nightmare.

Negligence Liability

Negligence liability suits typically involve instances where a patron was injured because the business failed to provide the necessary safety precautions.  For example, a customer slips and falls while there is no “wet floor” sign present, or a broken front step causes a patron to twist their ankle.  These are issues that could have been avoided if the business fulfilled its legal responsibility to public safety.

Worker’s Compensation

Customers and the general public are not the only groups of people that a company is liable to provide a safe environment.  Employees are allotted the same right through the eyes of the law.  If an employee is injured on the clock, then the company could be liable for their medical attention.

How to Hire The Right Lawyer For You

Life can often present us with some sticky situations in which we are going to need legal representation. We are not just talking about a criminal charge like a speeding ticket a DUI or an assault charge, legal representation can also be needed after an incident in the work place, a divorce or even a malpractice suit from a hospital visit.

You may think that you’ll never need one but should the situation arise whereby you need representation it is important that you do all that you can to hire the right lawyer for you and your case. Let’s take a look at some of the aspects you should be looking at when it comes to hiring a lawyer.

Specialization

Whilst many law firms will have various branches which look after specific aspects of the law, it will be important that you look to hire a specialist for your case. There are many ‘Jack of all trade’ lawyers out there and whilst these may be able to give you solid representation, hiring a specialist will be the best course of action for you to take. In order to gain the best possible outcome a specialist lawyer will be the best option for you as they will know this area of the law inside-out including historical cases and of course, how to get the strongest verdict possible.

Reviews

Lawyers are judged wholeheartedly on their abilities to win cases and when searching for a lawyer you should spend some time investigating the track record of a number of different lawyers. Winning cases comes in many forms, reduced sentencing, case being thrown out and even suspended sentencing and you should use all of your resources to find out how successful the history of a lawyer is before hiring. Many lawyers will tell you how good they are but the only way of finding out for sure is to look at their history.

Meet With Them

You need to ensure that you have a lawyer who believes in you, is very knowledgable and has a good bedside manner. Going through legal proceedings is alien to many of us and as such it is important that you have someone who is on your side at all times. To try and find the best lawyer for you in this regard you should sit down and have a meeting with a few different lawyers. There is no obligation to hire a lawyer after a meeting and you can really get a flavor for how they work and how you feel when talking to them. Finding the right blend of a good lawyer and one with strong personal skills can be tough but sitting down and talking through your case will be one of the best ways for you to find out if you can work with this particular professional.

Cost

The cost of the lawyer will of course have to be factored in, like many things in life, the best lawyers charge the highest fees. You may wish to try and save money on your legal representation but it important to know that generally speaking, you get what you pay for so if you can squeeze out some extra money for your representation then you’d be well advised to do so.

Three Things You Should Be Doing To Protect Your Money And Your Health

Poor health care can cost you a lot of money. Not only does it shorten your lifespan and make life more difficult, but it also drains your bank account and your savings. Even if you have health insurance you may still be paying a good deal of money if you have major health issues or illnesses.

From pregnancy to a broken leg, and from diabetes to cancer, medical conditions are costly. Plus, you run the risk of complications, in pregnancy and in surgery. Saving money when it comes to healthcare starts with eating right and getting physical activity into each day of your life, and it continues with the following things.

Know Your Rights As A Patient

You never have to take a medication just because your doctor recommends it. Take the time to weigh the pros and cons. Talk to them about why they want to prescribe it to you and whether or not there are any other options.

While malpractice doesn’t happen constantly, it could happen, so you want to know what your risks are when it comes to going under the knife. Look into your doctor’s history. Talk about all the things that could go wrong during your surgery. Make sure you weigh the risks of the surgery against the chance that it will actually help you.

Invest In Insurance

Make sure that you do have medical insurance. Get it now, before you have something go wrong. Changes are coming to coverage when it comes to insurance and you may find that if you get sick without insurance you won’t get coverage for your illness once you do get it.

Insurance isn’t always cheap, but it can seriously save you some money in the long run. Insurance doesn’t always cover everything. You may want to make sure that you have some sort of discount plan that also covers your prescriptions (which can seriously add up).

Have A Savings Account

Your savings account is your lifeline. Without one, you don’t have money for emergencies. You can use money from your savings account toward medical expenses if you need to if you need some money in an emergency. There are also medical savings accounts you can look into specifically for money that will go toward doctor’s appointments, visits to the hospital, and even medication expenses.

Putting away money for the things that you may (or may not) need in the future is a good, adult thing to do. You may want to save money even if you have credit cards, insurance, and other ways to gain access to money, simply because it is a wise thing to do. Many people live paycheck-to-paycheck these days, and a savings account is the one way to get out of that pattern.

Three Reasons to Develop an Estate Plan


People often put off the idea of estate planning. Some of this is due to not wanting to face their own mortality, but other reasons include age and assets. You may think estate planning is good, but it is best to wait until you retire. You may also think that you don’t have enough assets to consider estate planning. However, it doesn’t take much wealth to create a need for a will, and as far as age, no one knows when they will die. The following are several reasons you should have an estate plan.

Your wealth may not be distributed according to your wishes
Without estate planning, there is no guarantee that your heirs will get the assets you wanted them to have. In the absence of a will, it is a judge who will make the determination of which relative gets a share of your wealth and how much. It is often true that only relatives will share in this inheritance, so those you wanted to leave assets to but are not part of your family will get nothing. Estate planning can prevent this.

Avoiding probate problems
Any time someone dies with a certain minimum amount of assets, these assets must move through a probate court. Assets must be transferred legally, taxes and creditors paid. In general, all outstanding issues must be settled. However, there are ways to avoid the probate courts, and estate planning is the key to doing so. The probate process can delay the time it takes for your heirs to get the assets you wanted them to have. In some situations, this may lead to hardship for your heirs.

Tax planning
An important part of estate planning is the tax implications. Not only for your wealth today, but the amount that your heirs will receive. Taxes can take a huge part of the money that you wanted a loved one to have. However, there are tax strategies that you can implement today to reduce the tax burden in the future. One example of this is a living trust.

Your first step in estate planning comes from getting a consultation from a firm that focuses on this type of law. One example of this is the Carole Callaghan Law firm. In addition, a Texas Online Estate Plan can be done on the Internet. The online option is perfect for those with fewer assets, simple family structures or finances that are not complex

Your Dog And The Law

There’s more to owning a dog than just feeding them and taking them to the veterinary clinic on a regular basis. Since dogs are extremely domesticated they don’t do well to fend on their own, and they can sometimes get themselves (and you, in the process) in trouble. From slipping out of the fence and running loose (dog at large) to biting the neighbor when they try to pet it, your dog could actually get you into legal trouble if you aren’t careful.

Before you consider buying or even adopting a dog, you need to take some time and research the laws and regulations in your area. Some places have leash laws, while other don’t. Some places even have ordinances on when you might get in trouble for your dog’s incessant barking!

Dog Bites

What happens if your dog bites someone? Well, there are a few things that can happen, depending on where you live, who they bite, and if they are up-to-date on their vaccinations. You’re safer to teach your dog manners (it’s called obedience class and making sure you’re the alpha in their life) and keeping dogs that have shown aggression muzzled or away from people that it might bite.

If your dog bites someone that person could sue you. Your dog could be put to sleep. If your dog has not had its shot, particularly its rabies shot, and there’s any chance they might be infected, they will most definitely be put down.

Barking

Dogs bark, it’s kind of their thing. Some dogs bark more than other dogs and you can train your dog only to bark on command or when someone pulls in the driveway/knocks on the door. If you have a dog that barks all night long and is annoying neighbors, you may quickly learn about the noise ordinances in your area, whether you live in your own home in the city or you rent an apartment.

Leashes

Before you go walking around town with your dog unleashed you should make sure you know the leash laws in your area. You should also make sure you know your dog. If they run off after a squirrel and get hit by a car you’re going to be distraught, and you may be liable for the damage caused to that car and driver for your negligence with your dog.

If your dog gets loose in an area where there are laws about leashes you could get ticketed for having a dog at large. That’s just one more added expense to a pet that isn’t cheap in the first place.

Licensing

If your loose dog isn’t licensed you may also get a ticket for that. Find out if licensing is required where you live (it probably is) and make sure to get your dog legal. Some areas have canvassers that actually go door-to-door to check that all dogs in the area are properly licensed, and fine those that have dogs that aren’t.

5 Tips For Handling the Legal Side of Business Creation

The idea of creating a business always seems like a bright, shiny plan that will change your future for the better! Be your own boss, get rich, work hard toward a goal that you can achieve – these are the promises that we keep in our minds! But reality paints a bit of a different picture, and the legal aspect of business creation is at the forefront of making sure that details are paid attention to.

Five tips to help you center your business goals with respect to the law include getting a good law firm on your side, understanding business licensing, creating separate budgets for personal and professional matters, keeping tax laws under consideration, and reading legal news publications regularly.

Get a Good Law Firm On Your Side

Contacting a law firm regarding creating, buying, or selling a business is always a good first step. The last thing that you need is to get you business dream shattered before it even begins, simply because you didn’t know about the right paperwork to fill out, or the right fees to pay, or the right government entity to send what information to.

Understand Business Licensing

When you first create a business, there are a number of decisions that you have to make when it comes to licensing. How, exactly, do you plan on incorporating your business? If you’re not familiar with the options that you have at the beginning, and choose something that ultimately complicates legal matters later, then you’ll end up with a business-flavored buyer’s remorse situation and legal entanglements that can take years to handle.

Create Separate Budgets

It’s important that you keep a separate budget for your business outside of your personal accounts. For official reasons, this will help you determine income and expenses, and those are the things that you have to be very detailed about when it comes to doing your taxes and filing tax returns. And the legal implications of taxes are another concern in themselves.

Keep Tax Laws Under Consideration

If you plan on handling the legal aspects of your business most efficiently, the core of many of your business processes are going to be organized for tax reasons. The difference between the success and failure of many companies rests with their ability to handle bookkeeping in a legally sound manner. Failure to do so can result in bankruptcy and even criminal charges!

Read Legal News Publications

If you want to read what the rest of the world is doing in order to match up legal necessity with business acumen, make it a point to regularly read business and legal news sections of local, national, and international magazines and newspapers. Simply by being aware of what big corporations all the way through small businesses are doing to stay above water will help you determine your own course of action.