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How to Collect a Debt

There might be a time in your life when somebody owes you a lot of money. I am thinking here about all possible scenarios ranging from your friend who took some of your money and then mysteriously disappeared, or maybe you run a company and your clients owe you some money and don’t want to pay. Situations like these happen all the time and you need to be prepared for them. In this economy, people are not eager to pay so you might need some better steps in order to enforce those payments. Here are some steps you might want to take in order to make that happen:

1. The first step is to send debt collection letters. They will certainly alert your debtors, and some of them might even attempt to change address, but in some cases this can be enough to enforce the payments or at least scare a person into thinking that debt collection is about to happen. One downside is that most people tend to ignore such steps and they are usually not that powerful.

2. The next step is to take more direct action against a person owing you money. Keep in mind that if you are inexperienced in the matter collecting your debt can prove to be extremely difficult. There might be even many unpredictable laws you will accidentally break, so I advise against any attempts to collect the debt with the use of physical force.

3. One of the best solution here is to use the services of a debt collection agency. Not only do they know all the rules and regulations surrounding the debt collection process, but they will also be able to ensure that they use the most efficient methods of collecting the money. Remember to only choose an agency that will charge you for their services once they have succeeded collecting your debt. This way you can ensure that you are risk free at all times because you will only have to pay them once you are completely satisfied with their services. If for some reason they are unable to recover what belongs to you, which shouldn’t happen that often, at least you won’t be charged for it.

Working the Night Shift Can Impact Your Health

If you’re one of many American workers who work the night shift, you may have increased risks for accidents, injuries and illnesses. Working the night shift is linked to a variety of workplace accidents and health problems that may pose serious consequences.

According to the Bureau of Labor, approximately 15 million people work the night shift in the United States. Health research studies show that long hours and other factors associated with night shift jobs contribute to increased health and safety problems. Research and statistics from the Centers for Disease Control and Prevention show that workers who work night shifts for prolonged periods of time have a higher risk of work-related injuries, as well as developing mental health disorders, obesity and eating disorders, and cancer from asbestos exposure pittsburgh pa.

Working the night shift disrupts circadian rhythms, your body’s 24-hour internal clock. These rhythms are sensitive to light and temperature changes that help your body determine the difference between day and night. They play a significant role in your body’s physical and mental health and establish good cognitive functions. When your circadian rhythms are disrupted, physical, mental, and cognitive functions are impaired. This often results in insomnia, chronic fatigue, memory loss, slow reactions, poor critical thinking skills, lack of good judgment, anxiety, and depression. In many night shift jobs, these impairments can put you at a much greater risk of on-the-job accidents and injuries.

Labor studies show that the majority of American workers who work the night shift are in blue collar jobs such as food services, automotive plants, industrial warehouses, fabrication services, and various labor positions. Workers in these types of jobs often face serious injuries from heavy equipment, machinery malfunctions, chemical spills, flammable liquids, asbestos exposure pittsburgh pa, and falls from ladders and cranes.

If you work the night shift, you may not be able to change to a day job, but it’s important to protect yourself from accidents, injuries and illnesses that can have long-term consequences on your health. Make sure your workplace provides required safety equipment to prevent problems.

How To Find A Reputable Lawyer For A Trucking Accident

All accidents that happen out on the roadways are serious. However, if you have been involved in an accident involving a huge truck such as an 18-wheeler, you will need to hire a reputable lawyer to represent you. Never wait to hire a lawyer because time is of the essence. A reliable and professional 18-wheeler accident lawyer Houston can help ensure all your rights are legally covered. Below are some tips for hiring the best lawyer for your case, such as the attorneys found at Simon & O’Rourke Law Firm, P.C. .

Previous Case Outcomes

When you are in the market for a lawyer, you should ask them about previous case outcomes. Ideally, you want to make certain they have a good track record for winning cases involving the same legal area as yours.

Communication

Never hire a lawyer before you get a chance to talk with them in person. While it is essential to hire a lawyer with the knowledge and expertise to get you great results, it is also important that you are able to effectively communicate with them as well. If you are going to be working with a lawyer for a long case, you need to feel comfortable working with them.

Check Background

Another tip to finding the best lawyer for your trucking accident case is by checking their credentials. Do they have a good education? Can they prove they have a good track record? Also find out how long they have been practicing in the area of law your case pertains to. All of this information will help you to determine their overall abilities as an attorney.

Compare Different Lawyers

To find the right lawyer for your case, it is important to compare at least three different lawyers before you make your final decision. Don’t hesitate to ask them each any questions you might have. If you cannot get an answer or they give you the runaround, you should move on to your next choice.

Which Side Are They On?

It is crucial to the success of your case to know which side your attorney is going to be on. If you were in a trucking accident and received injuries, you need to know you have a good lawyer to count on. They should be fully dedicated to representing you as a victim and not have more experience representing at-fault drivers.

A truck accident can change your life drastically. Whether you are injured, at fault or not, it is essential to hire the assistance of a reputable and professional attorney. Don’t hesitate to get the help you need from a lawyer you can trust.

10 Must-Have Legal Documents for Your Business

Certain documents are important to your business because they protect your firm’s assets and interests over the company’s lifetime.

Do know about all these document types and do you have yours completed and readily accessible?

Read on to learn about the most critical document types most businesses need and find out which is needed in your particular case.

1 – LLC Operating Agreements

Not all US states require operating agreements for LLC (Limited Liability Company), even when there are multiple owners. Still, experts urge business owners to have written LLC operating agreements – most especially when there is more than one member. And they more strongly urge this if those members are family.

This document should define how important company decisions will be made; distribution of profit and losses; member’s roles, rights, and responsibilities, and procedures for member departure. Once this document is prepared and all members have signed it, this becomes your legally binding contract.

2 – Non-disclosure Agreement

You may not realize it but your company has proprietary information, often referred to as trade secrets, that must remain private in order for your firm to maintain its current business operations.

The most common types of data are customer lists, records, marketing strategies and product recipes. Implementing NDA (Non-disclosure agreements) is a good first step in protecting this confidential information. When both parties, such as the business and its; employees, customers, vendors, and partners, sign this document it becomes a legally confidential relationship in the eyes of the law.

3 – Business Plan

While your business plan is not a legal document, it is a vital component to obtain financing or sell your business. As such it is an important record in your business library.

4 – Corporate ByLaws

If your company’s business structure is a corporation, either a Type-S or Type-C, most US states will require that you keep a written set of bylaws, whether or not they are required to file with the state business office.

Regardless of your state’s filing requirements, it is wise to create and retain this document.

Include in the instrument such information as individual roles of top management, owners, and partners along with governance issues. The best corporate bylaws include the length of board directors terms and whether decisions require a simple majority and other standard practices.

5 – Meeting Minutes

The majority of states require that corporations document their meetings in written minutes. This official account logs what was discussed, decisions made, those in attendance and actions taken.

Retaining these registers can help settle any future disputes about what was decided or occurred at prior board meetings.

Be certain to make your minutes detailed enough to serve as your “institutional memory”. Cover all the following: meeting type, place, time, attendance, actions, and votes, including the exact vote of each board member.

6- Online Privacy Policy

If your website gathers any information (such as email addresses or survey opinions) from your customers or site visitors you must post a detailed privacy policy on your site. This document describes how this data will be used and protected.

7- Online Terms of Use

It is prudent to draw up and post your terms of use statement on your official website. This report limits your risk for situations where there are errors in your website content such as prices, guarantees, and information.

In addition, include explanations of your lack of responsibility for hyperlinks to other sites not owned by your company. Tell your site visitors what they can and cannot do on your site, which is especially important for sites where comments, sharing and blogs are present. This is critical in today’s hypersensitive social media world.

8- Employment Agreement

To help minimize future disagreements this employment contract details the obligations and assumptions of both the employee and the company.

You don’t need a detailed contract for every hire, but you should for those positions with managerial roles and those with access to critical sensitive data. Since those people will have access to confidential information, that is critical to the firm’s competitive edge you need to be sure it will not be shared with to your competitors.

Use an experienced employment lawyer to review this contract before you have your new employee sign to be sure it is well written and legally valid.

9- Memo of Understanding – MOU

This document is less than a formal contract, but more than an oral agreement or handshake deal. It puts on record your conversations with key suppliers, business partners, investors and other business associates about key initiatives.

These easy to draft and non-intimidating for others to sign are great documents to use for laying out project details and relationship guidelines. While not always legally binding in all states and circumstances, they are useful to formalize casual agreements quickly.

10 – Apostille

If your company is involved in international trade with other Hague Conventions nations you might need a special certificate called an “apostille”. This instrument is your authentic public document, akin to an article of incorporation, which is recognized internationally. Know that these certificates are only valued in Hague Convention countries.

Luckily, you don’t need to write all these documents yourself. Here are a few legal templates to get you started. Business2Community readers can save 10% on all legal services with this Legalzoom promo code BEST4B18.

After you have customized them to meet your particular business details hire an experienced business attorney to review them before you either file them with your state or ask your employees, vendors, customers, and investors to sign them.

 

The Benefits of Adopting a Child

There are many couples, that for one reason or another, cannot have their own children. Some couples may even choose to adopt rather than have children, so they can provide a home for a child in need. Whatever the reason, adoption can offer many benefits.

Advantages for the Child

Children reap many benefits when they are adopted by a loving family. For many, this is the chance to have something they have never had in their lives. A mother and a father that care deeply for them, the chance to thrive, and the opportunity for an education are just some of the advantages. Naturally, there will be ups and downs, as with any other child, but the advantages far outweigh these challenges.

Benefits for the Adoptive Parents

The adoptive parents will experience all the joys a child can bring to their life. They will experience sharing their home with a child that may not otherwise have had this opportunity. Many children grow up in the foster care system and some are bounced from one place to another. This can be very hard on children.

Adoptive parents will love and protect this child and watch them grow into an adult, the same as they would have a biological child. Adoption should be handled by an attorney to ensure the child will be legally theirs and have all the same rights and benefits. An example of a firm that handles family law vancouver wa is Morse Bratt Andrews & Terry LLP.

Peace of Mind for Birth Parents

These advantages are not just felt by the adoptive parents and the child, but by the birth mother and father as well. Children are placed for adoption for a number of reasons. Perhaps the mother was really young and unprepared to care for a baby. She may have not had the financial support needed to raise a child.

Adoption offers the birth mother the knowledge and comfort that her child will be well cared for by two loving parents. He or she will be given the opportunities that she could not provide, especially when the father is not in the picture.

Former Inmate Offers Training Services, Educational Opportunities for Criminal Defense Attorneys

Criminal defense attorneys are often the sole advocate for their clients. From the moment their client is charged with a criminal offense until the judge completes the sentencing process, the criminal defense attorney is required to use their legal expertise and professional experience to provide their clients with the best service possible. In addition to providing legal counsel, a criminal defense attorney also must be compassionate, empathetic and understanding.

In many cases, empathy can be challenging — especially since the criminal defense attorney has likely never been in the same position as their client. Now, Prison Coach John Fuller is offering criminal defense attorneys the opportunity to learn more about their clients’ perspective while also providing actionable advice for improving their legal services.

John Fuller is a former inmate who now works as a prison coach and motivational speaker. Criminal defense attorneys around the country have found him to be a valuable resource, as he can provide them with a unique perspective into the lives and minds of their clients.

Benefits of CLE Training with Prison Coach John Fuller

As opposed to other CLE training opportunities that may discuss legal minutiae or industry trends that impact attorneys or their clients, John Fuller’s speaking engagements provide real-life insight into the perspective of those facing criminal charges and those who have been sentenced to a prison term. His personal experience and professional knowledge provide him with the qualifications necessary to take on these issues and to provide attorneys with guidance as they work with their clients.

Criminal defense attorneys who complete training with Prison Coach John Fuller leave their experience with:

  • A better understanding into the perspective of their clients. John Fuller is a former inmate who has spent time in more than 9 different correctional facilities throughout the country, and he has an intimate understanding of what life is like during incarceration. He provides attorneys with insight into the physical and emotional challenges that incarcerated individuals face, which in turn allows attorneys to be more understanding and empathetic with their clients.
  • An ability to prepare their clients for incarceration. Many criminal defense attorneys find themselves faced with a client who has been sentenced to months or years in the prison system, and it can be a difficult conversation to have. By completing training with John Fuller, criminal defense attorneys will be able to provide their clients with specific information that will prepare them for what they will experience once they begin their prison sentence.
  • Actionable tips that they can use to improve their legal practice. In addition to providing attorneys with information that they can relay to their clients, John Fuller gives practical and actionable advice that attorneys can use throughout their experience with clients who are facing criminal charges and possible prison sentences.

As a former inmate, author, public speaker and prison coach, John Fuller is the ideal person to lead a training seminar or conference breakout session. He is a valuable asset to anyone in the legal profession, particularly those who specialize in criminal defense.

Testimonials: What Legal Experts Have to Say About Training with John Fuller

As a prison coach and motivational speaker, John Fuller has had the opportunity to work with criminal defense attorneys from around the country. He has offered training sessions through local bar associations and at private practices that have been well-received by all in attendance. The attorneys who complete his training programs have left with a sense of fulfillment, and they are excited to make the adaptations necessary to provide their clients with a better experience.

Melinda Pendergraph, training director at the Missouri Public Defender’s Office, appreciated the ability to better understand the clients who they work with on a daily basis.

“For me to have the information to explain to them what’s going to happen to them when they go into a prison, it makes all of the difference,” Pendergraph said after a recent training session. “Sometimes it’s hard for our clients to share those experiences, so it was really helpful for me to hear from someone who has been there.”

Not only does John Fuller offer valuable information and additional resources that attorneys can use, he presents it in a manner which is digestible and engaging.

“His communication was great, the way that he was able to get it across to us — it was very easy to understand,” said Adam Woody, attorney and vice president of the Missouri Association of Criminal Defense Lawyers. “It’s very valuable information that without a doubt I’m going to use. I’m going to put it in my toolbox.”

Ultimately, it’s John Fuller’s commitment and dedication that shines through when he is discussing the topic of incarceration with attorneys.

“The passion that he has for it is evident,” said Criminal Defense Attorney Eric Vernon. “The fact that he’s evangelizing — he’s writing books, he’s trying to help people, he’s going out and giving these kinds of talks.”

About Prison Coach and Motivational Speaker John Fuller

As a young adult, John Fuller lived a life of crime and ended up facing criminal charges that resulted in more than 10 years in prison. He spent time in 9 different correctional facilities, including 5 federal prisons. Upon his release in 2002, he vowed to start his life anew. He began a career as a prison coach, in which he assists individuals facing incarceration and helps to prepare them for the upcoming experience. He encourages his clients to make the best out of this difficult time. In addition, John Fuller is a motivational speaker and a teacher who hopes to help legal professionals better prepare their clients for incarceration.

Prison Coach John Fuller is available to speak at legal conferences, CLE training classes and criminal defense seminars. He has experience speaking to local bar associations, criminal defense organizations and individual law firms. He enjoys traveling around the country and providing attorneys with personal and professional insight that can help them improve their relationships with their clients.

For more information on booking Prison Coach John Fuller for your next conference, seminar or training experience, contact him today.

 

An Insiders Guide To Understanding a Franchise Disclosure Document

The Franchise Disclosure Document is a way to keep a Franchisee safe. The problem is that most people have no idea how to read yet alone understand a Franchise Disclosure Document (FDD).

This reality brought out a whole bunch of people who call themselves Franchise
Brokers, when in reality they have no licensing nor are they required to have such. Perhaps they can be called Consultants, but a Broker is somebody licensed by the Dept. of Real Estate and if you are searching for a franchise opportunity, look for a licensed one.

Let’s do a quick rundown of the FDD. A comprehensive book is available at my website, www.franchisebrokersinc.com.

Summary Page identifies what the franchise opportunity will cost you. If this number seems high, you may wish to reconsider.

Item 1 identifies who the Franchisor is and who are the partners in this business. It’s good to know who you are getting into business with.

Item 2 identifies the experience of the Franchisor executives. This is a critical area.

Item 3 reveals the litigation, if any, the company is in or has gone through. This is best understood with the help of a Franchise Broker.

Item 4 discusses any bankruptcy issues the Franchisor has present or past.

Item 5 Discusses the initial fees. Again best understood with a Broker.

Item 6 reveals other fees that may have not been disclosed.

Item 7 breaks down your total initial investment.

Item 8 discusses the restrictions Franchisors put on their Franchisees.

Item 9 talks about the Franchisors responsibilities.

Item 10 discusses financing, a must have for most buyers.

Item 11 lets you know what assistance you will receive for training, advertising and general support.

Item 12 talks about territories.

Item 13 discusses trademarks and who owns them.

Item 14 continues with a discussion about patents and copyrights.

Item 15 will let you know if you can be an absentee owner.

Item 16 discusses what you can and cannot sell.

Item 17 discusses the renewal and termination aspects of a franchise.

Item 18 discusses any public figures involved with the business.

Item 19 is the meat of the FDD with a detailed financial picture of the business.

Item 20 reveals all of the outlets, how many are selling and what the count is.

Item 21 has the financial statements and is very important to understand.

Item 22 contains all the contracts you will sign.

Item 23 is the receipt section showing you were given this document.

If you are considering purchasing a franchise opportunity call us for some consultation. It is at no charge as our fees are paid out of the Franchisors marketing fund. We are here to help.

Chuck Machado has 35 years of experience in running and managing companies. After college he started a steel company and grew it into a multi million-dollar business by building fast track retail outlets throughout the west coast. His clients included the biggest names in retail. Among them: Wal-Mart, Home Depot and Kmart. After a short retirement, he realized the lure of business and real estate had a hold on him. His quest lead him to partner with CMA Capital Funding, a commercial brokerage house where he provided short and long term financing for investors and business owners. To further his education, Chuck has undertaken & completed the rigorous requirements necessary to earn the title of Certified Business Intermediary (CBI) issued by the International Business Brokers Association. His passion lead him to representing clients who have a desire to own franchises and partner with The Franchise Brokers Association. He holds a California Brokers License and can be reached at chuck@franchisebrokersinc.com

Advantages of Hiring a Lemon Law Attorney

A vehicle is considered a lemon if the manufacturer of the car failed to repair the vehicle after a reasonable number of attempts.  In such a situation you can sue the manufacturer of the vehicle for a replacement which is known as a lemon buyback. To get your car or vehicle replaced consider hiring a lemon law attorney. In this article, we discuss some of the advantages of hiring a lemon law attorney.

Getting Legal Advice

When many people get confronted with legal matters, not many people know what to do, who to call, where to go and what actions to take. Not knowing what to do is frustrating and also time-consuming. A lawyer you choose to hire will help you understand the law concerning your problem. A lawyer will also give you the right knowledge about what you are supposed to do and what actions you need to take. A good lemon law attorney will point you in the right direction. There is nothing as crucial as legal counseling in such situations. A good attorney will review your case and will offer you with insight and solutions to your problem. If you have a problem that needs a lemon law attorney don’t just stand idly find someone who will help you with your problem.

You will have a stronger case

With a lawyer, you will have a stronger case unlike when you don’t have a lawyer. A lawyer will help you to help you win the case so that both parties (that is you and the lawyer) benefit. Lemon law attorneys know the right way in a case can be approached. This is why it is advisable for you to look for a good lawyer in matters concerning lemon law. You are the one who is responsible for providing data the lawyer, on the other hand, processes the information which you have given and then tries to come up with the best solution. A professional working on your case will make the case stronger. A person who has a stronger case will have a higher chance of winning the lawsuit.

It is free

By the fact that we are dealing with a breach of consumers’ law you need not pay the lawyer any fees. It is the manufacturer of the vehicle who is supposed to pay for the attorney.  This is the reason why they will try to make the process as quick as possible. Sometimes the manufacturer will give up more easily.

About compensation

You sue your manufacturer to get the necessary compensation. With a lawyer and a strong case on your side, the chances of winning the lawsuit are high, and it is possible to get the compensation that you deserve. Compensation comes in different forms. It can come in the form of financial compensation or the replacement of the vehicle.  If you are a victim of a warranty breach, don’t just stand idly, call a professional lemon law attorney who will help you find justice. Don’t just stand idly, find a lawyer who will help you build a strong case.

Can Having an MRI Cause More Problems?


An imaging test can be harmful to your health because they employ substances and electromagnetic waves. These types of tests are usually prescribed by your doctor to assist with diagnosing a disease or injury. If you have taken an MRI, you may have been exposed to gadolinium. A contrasting agent used to obtain a clearer image produced by an MRI machine. An X-ray machine can also be harmful to your health because you are exposed to radiation during the examination.

What is it?

Gadolinium is a chemical element and a metal with fluorescent properties. It is used in  medical magnetic resonance imaging and in color television picture tubes to enhance picture quality. When used for medical reasons it is injected into patients before they receive an MRI. Once injected into your bloodstream the chemical circulates throughout your body. This allows physicians to see your internal organs and on a screen.

Physicians can diagnose medical conditions and achieve detailed images of your bones, tissues and internal body structure. Even though gadolinium has been used to help patients and physicians diagnose medical maladies the chemical has been found to cause health problems. Many people have developed side effects and become ill due to this element.

What are the potential risks?

Once gadolinium is administered, it can be retained in your internal organs, skin, brain and bones for an unspecified period. It is estimated that the substance can remain in your body for up to several months or years. The dye can cause effect distinct parts of the body, including your kidneys, arms, legs and bones. While the chemical is retained in the body, it can cause poisoning that affects the kidneys. You can also experience brain fog, tissue burning and pain in your extremities. Nephrogenic systemic fibrosis, gadolinium deposition disease, and gadolinium storage condition are the known issues that have arisen in patients that have been given the dye.

If you have gadolinium storage condition, your kidneys will function normally, but you will be diagnosed with excessive amounts of this chemical being stored in your body.

When your renal function is impaired, and you have pain after being administered the dye within a few weeks this is related to gadolinium deposition disease. If diagnosed with nephrogenic system fibrosis condition, your renal system has been damaged by the chemical. This condition causes you to experience kidney malfunction and discolored skin. It is a fatal illness and can lead to shortening of your muscles and tendons.

What is being done?

Since the chemical has been administered to patients that have undergone an MRI, the Food and Drug Administration has added a warning about the risk of the contrasting dye. Physicians should also be informing patients about the dangers of gadolinium. There has been a mass tort, simply put a Gadolinium lawsuit, in progress since October 2016 and there are more lawsuits being filed.

There have been plenty of patients harmed by the chemical and plaintiffs are seeking monetary damages for the medical conditions caused by the dye. They do not believe they were warned about the toxicity of the dye and became ill due to its retention in their bodies.

Bankruptcy and Medical Bills

What’s the number one reason why people in this country feel compelled to file for bankruptcy? Medical bills. In a 2015 study authored released by the Kaiser Foundation, researchers found that unpaid medical bills had forced more than one million Americans to seek bankruptcy protection. If you or a loved one is overwhelmed with costs related to the treatment of an illness or an injury, speaking with an experienced bankruptcy attorney St Louis may be able to help you figure out what your options are.

Medical Bills and Chapter 7 Bankruptcy

Chapter 7 bankruptcy lets an individual who can no longer pay his or her debts get a fresh financial start. In order to qualify to file Chapter 7, you must pass a means test, which looks at the amount of disposable income available to you for paying your debts.

If you pass this means test and file a bankruptcy petition, the court will charge a trustee with overseeing the liquidation of certain of your assets. Those proceeds will then be used to pay a pro rata amount of the unsecured claims made against you by creditors. The remaining debt may be discharged.

Medical bills are considered to be a type of unsecured debt. Not all unsecured debt can be wiped out by filing Chapter 7 bankruptcy, however. You will be obligated to continue payments on priority debts such as certain types of taxes, alimony and child support. Medical bill payments, however, are not considered a priority debt.

Medical Bills and Chapter 13 Bankruptcy

Chapter 13 bankruptcy works differently. If your petition for Chapter 13 bankruptcy is approved, you will be allowed to devise a plan whose objective will be the repayment of all or a substantial portion of your unsecured and other debts within a three- to five-year term. You will be making payments on your medical bills as well as on your credit card bills.

You cannot qualify for Chapter 13 if your unsecured debt is in excess of $394,725. While that may seem like a large amount, your medical bills could easily be that high if you’ve been treated for a severe illness or injury. Consulting with a seasoned bankruptcy lawyer can help you determine whether bankruptcy is the right option for you.