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.

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.

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

What to do if you are involved in a commercial truck accident

Getting into a vehicle accident of any kind is scary, but one involving a commercial truck can be especially traumatizing. It’s easy to imagine every truck accident involving a semi-truck of sorts, but most of the truck-related accidents on the road involve smaller options like Walmart, Coke, UPS, FedEx, and Amazon. Especially in the harsh weather conditions of the Midwest, keeping control of a truck is far more difficult than controlling a car. If you’re ever involved in a Michigan commercial truck accident that leads to damage and/or injuries, the following tips and strategies can save your hide and help get you back on the road quickly.

 

Take Photographs

As soon as a crash occurs and you’ve taken stock of injuries and health, put your cell phone camera into action. Immediately take a picture of the truck’s license plate. Get out of the vehicle if possible and access the damage. Take close and extended pictures of anything that might need to be repaired or has been damaged by the accident. Do the same for the truck involved if possible and how the scene of the collision looks at the time. That way, you have documented evidence of the incident in the event your word is contested.

Get the Truck Driver’s Insurance Information

In commercial truck accidents, chances are the truck will do much more damage to your vehicle than the other way around. A truly professional driver will be ready with that information and just care that everyone is OK. If the driver protests, contact the trucking company with the license plate number and details to get the information straight from them. It’s far better for truck drivers to cooperate here than potentially be fired over it.

Take Notes of Anything the Truck Driver Says

Quite often, a driver at fault will have an instant moment of guilt or admittance of fault before changing the story later. If the truck driver is at fault, take notes of anything said after the collision. Does he apologize, ask about the kids in the car, admit he hasn’t slept or that he’s on a specific medication? Sudden and unexpected outbursts can definitely play in your favor.

Get Statements from Witnesses

Many times, drivers who saw the accident will pull over and wait to see if anyone’s hurt or needs special assistance. Other times they simply want to see a show. Pay attention to the surroundings after the crash and see if anyone is gawking or waiting to help. If so, get their attention and ask them for their account of the incident. That information will help the police report, medical practitioners, insurance companies, and truck accident attorney in Michigan in the event one is required. Of course, be prepared for the truth. Many times commercial truck accidents are the fault of the behavior of the driver in the car.

Contact the Police

It’s surprising how many accidents get settled without claiming a police report, but this is especially important with commercial truck accidents. Ninety percent of the time, large truck accidents seriously impede traffic to the point where bottlenecks and crash debris lead to hazards for other drivers. Plus, a police report can be your primary source of evidence. The report will include the name, business, and insurance details of the truck driver involved, details of the accident scene, weather conditions, personal notations from the other driver, and witness details.

Do NOT Sign Any Papers Before Talking with a Truck Accident Attorney in Mt. Clemens Michigan

Insurance companies make money by settling as cheaply as possible. However, ongoing medical needs and serious repairs can build up long after the settlement is paid; resulting in you owing a lot of money for something that wasn’t your fault. Big businesses may use technical or legal jargon to pressure or scare you into conceding. Don’t let yourself be bullied. Instead, call us after you get the repair and medical releases. We can help.

 

How Are Car Accident Pain And Suffering Damages Calculated – What You Need To Know

When you are involved in any accident, there are times when you can recover costs from another party’s insurance for damages, including pain and suffering. Some injuries can be acute, while others can last a lifetime. Injuries can sometimes be enough to bankrupt you financially due to medical expenses, or to leave you with a permanent disability that affects your ability to work. A car accident could also leave you with a psychological injury, specifically PTSD, that has profound effects on your quality of life. If you experience sustained pain and suffering due to someone else’s negligence, you need to know what your rights are, and exactly how to sue to get your damages covered.

Damages aren’t just for vehicle repair costs or hospital bills that can result from a vehicular accident. There is such a thing as “pain and suffering” compensation. It is an amount of money that you are entitled to because of your injury. The problem is that pain and suffering compensation is highly dependent on the jurisdiction in which the accident happens, as well as the facts involved in the case. The best way to ensure that you get what you need — not just for the resolution of immediate injuries, but for those that can forever affect your quality of life — is to know how pain and suffering damages are classified and calculated.

There are different types of damages

When you sustain damages, they can be classified into two different types: “special damages” and “general damages.”

Special damages are those that are associated with a specific economic hardship, such as loss of wages or time missed at work. They also include damages to your person and your property, including your car repair bills and medical expenses.

General damages are different from special damages. They are damages that are specific to the case, and are typically a result of specific special damages. Things such as pain and suffering, lifespan reduction, mental impairment, physical impairment, physical disfigurement, loss of a loved one, emotional distress, loss of enjoyment of your life (like PTSD), and loss of your reputation, may all qualify for general damages to be awarded

How are damages calculated?

Unlike specific damages, which are clear and concise like hospital or repair bills, there are no set monetary prices on things that aren’t concrete, like pain and suffering. Unlike a car repair, there isn’t a magic estimate that you can calculate for lasting anguish. Pain and suffering are very subjective, and therefore, exact costs are much harder to determine. It is sometimes difficult to assess the amount of money that someone should be awarded due to the hardships that they encounter as a result of an accident.

Because no two people are alike, their experience is never exactly the same. That makes general damages very difficult to ascertain or to standardize. When you are in an accident, and you sustain general injuries, there are factors that are used to determine the amount of compensation you are entitled to. These include things like recovery time needed, the location of scarring or disfigurement, the severity of the injury, the amount claimed in specific damages, the potential for chronic illness, the personality of the plaintiff, the legal savvy of the representation, and the cap that each state has in relation to general damage awards.

The multiplier method

The way that the best car accident lawyer in the city typically calculate general damages is through the use of the “multiplier method”. Lawyers use equations to figure out a cost by using comparisons. They factor in things like how much the hospital bill cost, how much time was spent away from work, and the amount of lost wages..

The problem with using this method is that different attorneys will use different multiplier methods, which leads to industry chaos. There is no standard on whether a damage should be doubled, tripled, or quadrupled. It is often left up to the attorney and the court to decide.

Another problem is that it may be potentially misleading to use multipliers. Just because someone is in the hospital and has a high hospital bill, that does not mean that they suffered more.

A hospital bill is not always representative of how much an injury will affect someone’s life. Imagine that someone is in the hospital with a broken finger and it is in a cast. Such an injury is usually not very serious, unless there has been severe nerve or tendon damage and the finger may never work again without extensive surgery. No standard of general practice guides the multiplier method, and in many cases, it’s little more than a guess in the dark.

The biggest challenge that anyone who suffers damages in an accident faces is proving their case. That is why if you are in an accident, it’s important to find an attoreny who specializes in various types of auto accidents and damages, to ensure that you receive the settlement that you are entitled to. That way, you won’t end up being denied the money you deserve.

Navigating Legal Complications When Dealing With Addiction

Dealing with a drug addiction can be difficult enough, but there’s also the legal implications that you have to deal with if the drug in question is being used outside the boundaries of the current laws and regulations in place. That fact leaves many people in a bit of a dead zone when it comes to getting help, but there are resources in place to get you to the solution that you want.

Five pieces of general advice to consider when it comes to beating back addictions concerning the illegal use of drugs include trusting your rehab facility, being cautious about law enforcement, doing some internet searching, talking to doctors first, and being very careful with digital communications.

Trust Your Rehab Facility

Rehab facilities aren’t going to judge you. They’re there to help. They help you to define what drugs are. And they help you to get off of them. Staff at rehab facilities don’t care what drug you’re addicted to, they simply want you to get off of anything that could be harming you and affecting your friends and family. Don’t avoid getting help simply because your drug of choice is illegal.

Be Cautious About Law Enforcement

And though it’s always applicable to contact a rehab facility, it’s not necessarily the best idea to talk to the police or any other law enforcement agency if you’re trying to get help staying away from illegal drugs or activities. They have different responsibilities to the community at large and the legal system as it stands, rather than simply having your best interest in mind. If your issues with drugs involves scheduled substances, your best bet is to stay clear.

Do Some Internet Searching

Before doing much of anything when it comes to addiction recovery, do some internet searches about laws regarding drugs. You’ll want to know about confidentiality agreements, first of all, so that you know that the people you talk to won’t feel obligated to turn you into the authorities, and are protected themselves when it comes to knowing your information.

Talk To Doctors First

The same way that you can talk to staff at a rehab facility, you can talk to doctors at hospitals. If you want to know what the statistically best ways to deal with drug addiction are, it’s going to be doctors that have access to the most accurate information.

Be Careful With Digital Communications

For legal reasons as well, you want to be careful talking about what you’re addicted to, who you’re getting your drugs from, and any other specific information over any kind of digital format. Texting or sending emails is a big no-no, especially if you’re just trying to get out of the cycle instead of being caught in it further.

How To Know When It’s Time To File For Divorce

If you and your partner have been going through a tough time for a long enough time, divorce may be the only answer. Of course, it’s one thing to feel this way after a nasty argument. All couples go through similar feelings after a spat. But if this has been your feeling for a very long time – for months, or even years, then it may be time to seriously consider filing for a full legal divorce from your spouse. The decision to commit to a divorce is never easy, so it bears some serious discussion and forethought.

Are The Differences Between You And Your Spouse Irreconcilable?

A consultation with a New York divorce attorney, whether from the firm of Tully Rinckey or another similar organization, is an excellent way to confirm your feelings. Sitting down with an attorney and discussing your options may be the best way to either confirm that you truly are headed for divorce or that your marriage is worth another try. If you decide on divorce, you will need to know your options. You need to be sure that your bank account, property, and children will all still be in excellent condition when you come out the other end of a divorce battle.

Is The Future Of Your Children At Stake?

The most important question on your mind will naturally be concerning your children. Will you be able to sue for and receive full custody? Or will you at least keep partial custody, including weekend visits and the like? The ability to stop you from ever seeing your children again is a weapon that all too many spouses and their lawyers will try to hold over your head in order to blackmail you into signing a divorce agreement that will be favorable for them and horrible for you. Don’t let them manipulate your fears into signing such an unfavorable agreement. Know your rights and fight hard for them.

Is The Future Of Your Property At Stake?

Another issue that causes many people to hesitate before filing for divorce is the future disposition of their property. This is a reason why many people remain for years in an unhappy marriage. You certainly don’t want to lose your home, car, or other property as the unfortunate result of a divorce settlement. And you certainly don’t want to lose half of your income or other benefits in order to satisfy the hunger of a greedy former spouse. These are issues that you will need the help of a professional attorney to resolve.

Have You Contacted A Qualified New York Divorce Attorney?

It’s an excellent idea to consult a New York divorce lawyer, such as one from Rinckey or another area firm, before you make your final decision. Once you have decided to file for divorce, it’s very hard to back down, so be absolutely certain that this is what you want. After you have filed, you will need to have a qualified divorce lawyer by your side to give you valuable advice and counsel as you fight for your rights. Knowing what you want and how you want to go about getting it is the way to win. A professional divorce attorney can help you achieve your goal.

5 Tips For The Morning After Your First Time DUI

So you are dead tired as you open your eyes on this new day. You are just thankful yesterday is over. Hazy eyed you begin to recount the previous 24 hours. Here you are in your own bed, but a few hours ago you were walking away from jail, bail paid, freed to face the consequences of your first DUI.

How you got here doesn’t matter right now, all the recollection in the world, all the hindsight is not going to stop you from that last few beers, shots, or drinks. You made a mistake, lost track of yourself, got in a car, and drove. That policeman noticed something in how you were driving, noticed something about your vehicle, or even was just being random.  What you did in that moment and from now on is what matters.  How do you even begin to deal with your first DUI?

Collect your thoughts

Try your best to get your head around the events that surrounded your arrest for the DUI. Do the best you can to write a log of what happened and when. What did you do to get pulled over? Were you cooperative or belligerent?

Did you blow or refuse

To blow or not to blow. If you blew over .08, you immediately gave evidence against you that is fairly irrefutable. If you blew under, you gave yourself a chance to plea down or even have your case dismissed. So, if you feel that you have been mistakenly pulled over, it is in your best interest to blow and have your BAC recorded. If your behavior has you feeling doubtful, you might consider not blowing.

If you refused

Refusal to incriminate yourself is your constitutional right. Be aware that any consequences of not blowing are much less than a straight path to a DUI conviction. You will still be arrested based on the suspicions of the officer, and his experiences during your field sobriety tests. You will also receive a 12-month administrative suspension of your driver’s license. This suspension has nothing to do with your criminal charges. It is apparently designed to put some teeth into the choice to blow or not. So, if you choose not to, be ready to go to battle to keep your license

Did you consent to a blood test

If you did blow you most likely did not have to have blood drawn. If you refused to blow, you might have allowed a blood draw at the police station. If so, you have introduced a more accurate measurement of your blood alcohol level. Blood draws have to have samples for you and the prosecutor. There can be differences that can work in your favor and there can be complications with the testing lab that can open a door for you to lessen your punishment.

Seek help

A sea lawyer is a sailor who, in their description, is so well versed in the Uniform Code of Military Justice that he is just like a lawyer. You will have friends who say, hands down, they know as much as a real lawyer. They don’t. Hire a real board certified drunk driving attorney to help you through this. If you know someone who has been through this, you can get references and estimates of costs. If you think you can take this on yourself, remember the costs. Losing means a lot is going to be lost; wages, jobs, relationships, freedoms, and so much mor

The Difference Between Workers Comp and Disability Benefits

disability vs. workers comp.jpg

When you suffer an injury, on the job or off, there are benefits available to help you maintain a standard of living until you can get back on your feet again. In some cases, you may even find that you are able to receive long-term benefits for a lifetime disability. As you evaluate your options, two of those that are most common include workers compensation and disability benefits. Read on to learn about each of these and how they are alike and different.

Workers Compensation: An Overview

Workers comp is provided as an alternative to benefits from a lawsuit when you suffer from an injury caused at work. Most state laws require that employers have workers compensation funds set aside to handle any claims from workers injured on the job. These are provided during the entire time you are injured or can be lifelong, depending on the severity of the injury and how long it affects your ability to work.

Disability Benefits: An Overview

Disability benefits are provided from the states, usually as the result of an injury that has been caused outside of work. They are intended to cushion your job loss and allow you to live comfortably after you have faced an injury. In some cases, you may also receive disability benefits if your employer decides to fight against your workers compensation claim.

Similarities and Differences Between Workers Comp and Disability Benefits

Workers comp and disability benefits are both intended to help when you lose your job, whether it is caused by an injury inside or outside of work. The major difference between the two is that workers compensation is paid out for an on-the-job injury while disability benefits are typically paid out for an off-the-job injury. Both of these are regulated by the state, however, your employer is responsible for establishing a workers comp fund. They also have the choice to try and dispute your claim, if they so choose. Some people also say that workers comp is more difficult to prove, because you must prove an injury happened at work. While this would be rather easy in the case of a slip that was caught on video or losing a finger because of an improperly maintained machine at work, it can be quite difficult if you have back injuries, lung problems, or other chronic problems that have resulted from working for a company for many years.

When You May Be Eligible to Receive Both

In some cases, you may be able to receive both disability benefits from the state and workers comp benefits. There are two scenarios in which this is likely to happen. In the first scenario, if your employer is fighting against the workers compensation payment and dragging out the litigation process, you may be able to collect disability benefits until you receive workers compensation. Then, you may or may not have to pay the money back if you receive extra workers comp for the missed time. In the second scenario, your workers comp may be lower than state disability payments. In this case, you are entitled to the difference between the two amounts.

As you weigh your options, remember that there are only certain times when each is applicable. Additionally, be sure you understand whether or not you have to pay back any amounts received for state disability and how long it will take for you to receive your benefits. If you need any assistance, speak with the Leo Trial Group to be sure you understand the process and what you will need to receive your benefits.

4 Ways to Get the Most From Your Attorney Marketing Strategy

Marketing is important for just about every industry, even law firms. In fact, developing an attorney marketing strategy is just as important as doing your best to win every case that comes your way. It’s a given that you should focus more on your clients than on advertising, but advertising is still important if you want to make a living. Luckily, you can hire a marketing firm to take care of most of that for you. However, here are four things you can personally do to get the most out of your current marketing strategy.

  1. Use Social Media

If your firm isn’t on social media, you could be missing out on thousands of potential clients. Facebook and Twitter are great sites to voice your opinions or advertise blogs and other content on your website. Social media sites also allow you to interact directly with potential clients. Don’t forget to allow sharing of your posts – it’s an easy and free way to spread the word about your services.

  1. Build Referrals

Many clients get their business from referrals. However, not every client that comes your way will understand that they should refer your services to others. Take the time create a strategy to build your referral sources. You should even have a chat with your clients (at an appropriate time) about how they can help you. You might even ask them if you can use them as a referral for future clients.

  1. Focus on Your Clients

Nothing is better for your advertising than a job well done. No matter what your marketing strategy is, don’t forget about the most important part of your business: the clients. Make your clients a priority, and they are more likely to recommend you to others.

  1. Regularly Assess Your Strategy

Make it a point to routinely go over your current marketing strategy with your marketing agent. This could be every few months or once a year – just make sure that it gets done. If you hire an agency to help you, they may recommend a schedule for going over your marketing budget and techniques.

If you really want to make your law firm a success, then you can’t overlook marketing. Use these tips to get the most out of your current strategy.