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.