What Can I Do About My Debt?

Personal Injury Lawyer

There are a lot of steps you can take to manage and even eliminate your debt before filing for bankruptcy. 

Get Organized

Whether it’s a little bit of debt or a lot, it can be easy to just turn a blind eye rather than face real financial consequences. Do not do this! The best way to manage your debt is to be knowledgeable about it, so get organized. Know how much you owe and to whom. Make a spreadsheet and for each debt list the following:

  1. The creditor
  2. The total amount of debt
  3. The monthly payment
  4. The due date

If you are feeling overwhelmed by this task, just take a look at your credit report. It will do the majority of this work for you. Update your list every few months as the total amount of your debt fluctuates. 

Next, make a budget and pay your bills on time each month. Decide which debts to pay off first and make more than the minimum payment if possible. You can only pay as much on your debt as you can afford. If, after getting organized, you find it hard to pay all or some of your bills each month, consider debt relief.

Debt Relief

It goes by many names: debt relief, debt settlement, debt reduction, debt negotiation, debt resolution, etc. But debt relief applies only to unsecured debt, which is a debt that is not secured by collateral, like credit cards and certain types of loans.

Settlements are negotiated with the creditors in an attempt to lower the amount of debt due. Once an agreement is met, the terms of the debt relief are put into a contract. Often, the creditor will forgive a large part of the debt in return for a one lump-sum payment in exchange for the debt to be considered cancelled and the matter closed.

Bankruptcy

If you find yourself owing more money to creditors than you have, or can foreseeably earn, it may be time to consider bankruptcy.

Chapter 7 is the most commonly filed bankruptcy amongst individuals. The assets you own will be liquidated and used to pay off your debts. After that, the bankruptcy is usually dismissed. Chapter 7 is often referred to as a “fresh start.”

If you don’t qualify for a Chapter 7, you may be eligible for a Chapter 13, also known as the “wage earner” bankruptcy, because you must have a reliable source of income to file for it. Your finances are reorganized into a plan that allows you to pay back creditors over three to five years while maintaining control and ownership of your assets. 

Hire a Lawyer

Hiring a lawyer to assist you is one of the most important steps in successfully settling a debt, filing for bankruptcy, and avoiding legal consequences. If you are interested in learning more about debt relief, contact an experienced lawyer, like a Chapter 7 bankruptcy lawyer from Kamper & Estrada, PLLC, for a free initial consultation.

Toxic Mold Injuries

Personal Injury Lawyer

Toxic mold is a hazard, and according to new studies and claims, this is not going to change. Just because the toxic mold is a new type of hazard does not mean that it should not be taken seriously. Mold has the ability to advance by way of the moisture inside of your home, or simply any building. Mold can form in your basement, attic, or inside of your walls. There are several reasons why moisture may build up in your house. Moisture can build up in your home due to a matter regarding plumbing, or weather conditions can begin to affect your home. 

Mold in the Home

It’s imperative that renters and homeowners know that the mold is powerful enough to feed through the wallboard and other things in the house that make the air warmer. These things make the growth of the mold faster and more negatively impactful. Unfortunately, mold issues in the home can lead to health problems. These same health problems have the ability to stop people from going to work and make it difficult for a person to live a normal, healthy life if these problems aren’t treated medically and the mold issue is not resolved expeditiously.

Health Issues Caused By Mold

People who have been seriously exposed to the absorption of mold have been hurt, could have contracted a lung disease or a respiratory infection, and even put others such as guests in danger as well. In the event that you or someone you know has suffered a health issue due to mold exposure, you must find an attorney who will have a well-spoken way to their rights as a resident or a renter. Make sure the mold issue has been reported to a person who has a duty to fix it. In the event that the request has been ignored, he or she can be held responsible for your illness or injury. 

Contact an Attorney

In some cases, mold may damage furniture or items of clothing, and they will be responsible for replacing that as well. If a person is held accountable for breathing the mold toxins because of where they work or live, then there might have to be a civil suit to resolve the matter. If it is seen that the people who are in charge of the injuries due to mold acted carelessly, then those people will be the ones who are defendants in your lawsuit. Since the cases of mold are growing, talking with an attorney helps you make the situation clear that other people didn’t really care about it or take the mold seriously. Contact a lawyer, like a personal injury lawyer from the law office of Andrew R. Lynch, for more information today. 

Why Both Parties Should Seek Legal Representation in a Divorce

Divorce is difficult. While it may seem easy to sign a few documents and have a judge stamp his or her approval, there are timelines and requirements to consider. Also, all marital assets, including property, finances, children, and investments, must be determined and assigned. Therefore, while it is often tempting to settle a divorce without the expense of lawyers, you almost always need representation, especially if there are any discrepancies in property or custody. There are at least five reasons both parties should hire a lawyer.

  1. Deadlines, Jargon, and Negotiations

The court system is bureaucratic and dependent on deadlines and paperwork. It is challenging to keep track of everything during a divorce, which is why an attorney comes in handy. They also understand all the legal jargon that is likely to be thrown your way over the next month or so. Finally, a lawyer is well-suited for negotiations and legal disputes.

  1. Professional Relationships

Since a lawyer spends their days working with other divorce attorneys and within the court system, they develop several professional relationships. The relationships they establish can help to move divorce proceedings along, especially when they are familiar with the way the opposition builds a claim.

  1. Unbiased Opinions

Your attorney has no skin in the game. They want to get you the best deal they can without compromising your rights. Since they are an unbiased third-party, they often have a clearer understanding of your divorce than you. They will be able to tell you what of your expectations are realistic or not.

  1. Professional Demeanor

When people attempt to settle their divorce without attorneys, it can get messy. It is hard for a former couple to eliminate blame or accusation from the process, which causes unrest and frustration. A lawyer can present your side of an argument while maintaining professionalism, which helps move the proceedings along.

  1. Protection of Your Rights

If your former partner hires an attorney and you do not, then you risk losing some of your rights in the process. A lawyer only represents one half of the divorce, which means that your former partner’s attorney is only looking out for their client’s best interest. Do not risk your rights; hire an attorney.

Divorce proceedings are complicated and can be tiring. Hiring an attorney is often in both party’s best interest, ensuring that each of you gets a deal you can live with. Contact an attorney, like a family attorney from Scroggins Law Group, to discuss your case.

Items You Should Bring with You at Your First Meeting with Your Personal Injury Attorney

Personal Injury Lawyer

Even if you don’t consider yourself to be a lawsuit-hungry person, there are times when pursuing legal action makes sense. In serious accidents, it may be in your best interests physically, emotionally, and financially to speak to an attorney about recovering damages for your accident. Before an initial meeting with your lawyer, make sure you’re prepared so you can get your case off on the right foot. There are certain items that you should have with you.

A List of Questions

Your personal injury lawsuit will have a long-term impact. This is one of the most important decisions you’ll ever make, so you want to be sure you’re doing what is best for you and your family. Certainly, you will have a lot on your mind as you go to this meeting. Before the discussion, organize your thoughts and write down all the questions you have. This will help ensure that you don’t leave feeling confused or that you forgot to ask something pertinent.

Insurance Information

Part of your personal injury lawsuit will involve working with your auto or medical insurance provider. After you file a claim, you may encounter difficulties with the insurance denying it or being unresponsive to your inquiries. Your attorney has the skills and experience to work with insurance companies. An experienced lawyer, like a personal injury lawyer from The Law Offices of Konrad Sherinian, knows how to negotiate with providers. Bring paperwork regarding your policy, including information that explains your premiums, deductibles, coverage limits and exclusions, and other policy details.

Photos of Your Injuries and the Damage

Your lawyer can help you build a strong case if you’ve already done some of the leg work. Showing evidence of your injuries will increase the likelihood that the court will accept your damage claims and understand the seriousness of the harm you received. Don’t forget to take pictures of any other property damage you suffered. Provide the lawyer these pictures as well.

Medical Records

After an accident, you should get medical care as soon as possible. Before you meet with your lawyer, obtain copies of your medical records. These will show that a doctor examined you after your accident. The records will also include any diagnoses and treatments you had. If you take this step, it will save time as you start to build your case.

Bring these items to the first visit with your lawyer. Doing this will give your attorney a better understanding of what you’re facing and whether your case has merit.

Red, White, and Bigotry–The Truth Behind the Fourth of July

Wrongful Death Lawyer

The American Declaration of Independence signaled the beginning of a new era. Revered as one of the most important documents in the history of the United States, the Declaration of Independence freed American colonists from British rule and paved the way for an official expression of self-governance. With isolated incidents of rebellion, the American Revolutionary War began and continued into the early 1780’s, even after the signing of the Declaration itself. Surprisingly, even after the initial battles of the Revolutionary War, few colonists truly desired complete independence from Great Britain, and those who did were considered extremely radical by public opinion. In the midst of the Revolutionary War, the Declaration of Independence was drafted by Thomas Jefferson and, contrary to popular belief, was signed into effect on August 2, 1776. Likely the most quoted portion of the document, the Preamble is as follows: 

“We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty, and the Pursuit of happiness.”

As a result of these monumental days in national history, Americans across the country now celebrate the Fourth of July with fireworks, barbecue, and reunions. However, in a country now, and historically, plagued with civil unrest and discord, one question remains unaddressed: what exactly are Americans celebrating? 

Arguably, the Declaration of Independence represents the true interests of America to a tee. With exclusive and calculated language, the document intentionally only protects citizens who resemble the Founders’ ideal image–white, cis-gendered, and male. This blatant exclusion of a vast majority of the American population is debilitating, especially considering that the country has sustained, if not expanded upon, such bigotry throughout the last three centuries. Likely the most notable exclusion, the Declaration of Independence failed to condemn slavery at a time of colossal abuse and injustice against America’s Black communities. Only six years after the initial declaration that “all men are created equal,” Jefferson outlined his personal reasons for continuing slavery in the “free” world:

“The first difference which strikes us is that of colour…They have less hair on the face and body. They secrete less by the kidneys, and more by the glands, which gives them a strong and disagreeable odour…in reason much inferior, as I think one could scarcely be found capable of tracing and comprehending the investigations of Euclid; and that in imagination they are dull, tasteless, and anomalous…”

Although not incredibly shocking coming from a man who enslaved over 600 people throughout the course of his life, Jefferson’s words represent popular opinions in the 18th century, despite their obvious lack of scientific or moral support. The sheer commonality of such statements indicate that Black men and women were not viewed as “men” under the Declaration of Independence and, therefore, were never intended to be protected under the verbiage of its patriotic, yet unrealistic, promises. In a renowned 1982 speech, Frederick Douglass addressed the obvious lack of parallels among nationwide Fourth of July celebrations. The speech explored the constitutional and moral arguments against the continued existence of slavery within the newly formed Republic. Most notably, Douglass contended that any positive statements about American liberty, citizenship, or freedom were an insult to the enslaved population of the region considering their intentional deprivation of such values by the American populous. An abolitionist, Douglass continued to stress the view that slaves and free Americans were inherently equal and deserved the same liberties that the Founding Fathers demanded from Great Britain. 

In addition to the exclusion of enslaved Americans, the Declaration of Independence failed to acknowledge women as well. Less than four months before ratification, Abigail Adams urged her husband, future President John Adams, to “Remember the Ladies” when discussing the legal premises behind the new Republic. John Adams’s response was tone-deaf and unsympathetic as he continued to dismiss his wife’s objections and began his infamous response with “we have only the name of masters, and rather give up this, which would completely subject us to the despotism of the petticoat…”

The Founding Fathers also failed to acknowledge or account for the great injustices pushed upon Native Americans, especially during the initial colonization of the region. Constitutional experts hypothesize that in the Declaration of Independence, Jefferson intentionally replaced “property,” the true underlying meaning of the text, with “happiness” as a way to ensure that specific marginalized groups could not assert their rights in any court of law. Commonly referred to as “Indian Savages” by the admired Founding Fathers, Native Americans were, and continue to be, debased and stripped of their natural rights. 

Although the Fourth of July does celebrate American ideals, which ones the day truly idolizes is commonly misrepresented due to the dominance of the white patriarchy. Instead of freedom, liberty, and happiness, the Fourth of July undoubtedly embodies the oppression, exclusion, and degradation of minority groups throughout the United States. Moving forward, it is imperative that America consider what limitations it wants to place on the influence of the questionable founders of this nation. In a year of climactic shifts and cultural paradigms, the United States must move forward to disregard and learn from America’s oppressive past as a means to create a vibrant and inclusive future. Nonetheless, before such change can occur, acknowledgement must come first; the country as a whole must acknowledge and make amends for its biased and abusive culture. By only protecting white men, the Declaration of Independence fails, even today, to celebrate the contributions of Black men and women, women in general, LGBTQ+ members, immigrants, minorities, the impoverished, and so many other vital classes of American citizens. Ultimately, while it is undisputed that the country would look different if this revolutionary document had been written by America’s minorities, the Declaration of Independence does not have to continue to shape the path of the United States of America–it can change. 

Let freedom finally ring when all people are truly created equal. 

If you have questions about business law, contact a business law attorney like the ones at Brandy Austin Law Firm, PLLC

Items to Include in Your Estate Plan

When you are younger, you may not think much about what will happen when you pass away. You’re busy with your daily responsibilities and taking care of your family. However, you don’t know when or how your life will end, and you don’t want to leave your loved ones in a bad position. To set your affairs in order and ensure a smooth transfer of your assets, you need to establish an estate plan. It’s helpful to know what your plan should look like.

Designate Your Beneficiaries

What will happen to your financial assets when you die? Many people ponder this question. Luckily, the answer can be quite simple, and it’s up to you. In your estate plan, make sure you name beneficiaries. This will determine which family members will have the legal right to your bank accounts, retirement accounts and other finances. You’ll also want to do this for any life insurance policies. You can name multiple people, including primary and secondary recipients. Most people name a spouse or children, but the choice is yours.

Power of Attorney

There may be a time when you become incapacitated and are unable to make decisions on your own. A Power of Attorney document legally gives authority for someone else to act on your behalf. You should designate a trusted loved one or associate to make financial decisions or choices regarding your health and well-being.

Will

You’ll likely have far more than bank accounts to pass onto other people. Consider all of your property and possessions. If you fail to develop a will and designate the rightful recipients of these items, they’ll pass through a lengthy probate process. Family members may be left to argue about who should get what you leave behind. In your will, you can decide which loved ones will receive your home, automobiles, collections, artwork and other valuable items.

Guardianship

Your estate plan should consider who will take care of your children if you pass away while they are still dependents. If your spouse has already died, you can name another family member to assume this duty. You may also want to include guardianship in the event that your spouse follows you in death while your children are still minors.

If you haven’t worked on an estate plan, begin today. It’s never too early to start. Contact an estate planning lawyer, like one at Yee Law Group, PC., so you can give yourself and your family some peace of mind.

Workers’ Compensation Forms You Should and Should Not Sign

Being injured on the job can bring with it a host of issues you’d probably rather not deal with. Aside from taking care of yourself and your injuries, you are probably thinking about the financial setback your workplace injury has become. The good news is you might qualify for workers’ compensation.

Be sure you report the injury to your employer as soon as possible so he or she can make the report to the state’s workers’ compensation board. It’s important you are compensated what you deserve for your injuries. As you work through the process, you’ll be asked to sign some documents. The following are some forms you should and should not sign.

An Authorization for Medical Records

You should sign an authorization for medical records. The insurance company needs to see that your injuries began on the day you were injured. They’ll need to confirm the medical care you have undergone. Having these records is evidence to back up your claim, making processing the workers’ comp claim more smooth.

An Employee Verification Form

To receive benefits, it’s necessary to sign an employee verification form. This form will prove you were employed at the location you claimed, that you were employed at the time of your injury and what wages you are missing out on. In most cases, you only have 30 days to get this form signed or you could lose your benefits. If you have another source of income, you still need to complete this document.

A Supplemental Agreement

Most supplemental agreements state you are recovered and able to get back to work. In some of the verbiage, it may also state your benefits have been closed, which is why you shouldn’t sign this form until you have reviewed it with your lawyer. If you truly have recovered to your fullest, your lawyer may recommend you sign it, but you should get his or her confirmation first.

A Final Receipt

Again, this document also states you are fully recovered and the case is closed, which is why you should be careful about signing it. If you’re feeling pressure to do so, give your attorney a call to discuss what is in the receipt and whether you should sign it.

Getting a Lawyer’s Help

There will be a lot to handle when you’re taking care of a workplace injury, but you shouldn’t sign anything you’re uncertain about.  Contact an on the job injury attorneys at Rispoli & Borneo P.C. for more information on how to get started.