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The Process of Debt Collection and When You Need to Hire a Lawyer

Most of us are in debt one way or another, regardless of how much money we have in the bank. Condoned debt is simply called a loan, where you remain in debt and enjoy benefits such as increased credit score so long as you make consistent repayments. Fall behind on those repayments however, and that is when trouble arises.

Even if you fall into arrears, there are plenty of options available. You can consolidate your debt to make repayments simpler and easier. You can make a deal with your creditor to pay only a portion of your debt back for the matter to be settled, and you can even file for bankruptcy.

Knowing what the process of debt collection is and when you should look into hiring a lawyer is going to help keep you out of jail and is critically important.

The Process of Debt Collection

Debt collection occurs in a few steps:

  1. Reminders are sent out
  2. Legal action is threatened
  3. Debt collectors are brought in
  4. Your debt is sold to a debt buyer

Escalation Options

If your debts continue to progress unpaid, then creditors can even come after your wages directly. Owing back tax to the government or being behind on student loan repayments could result in this. This is known as having your wages garnished, and though the creditors might be getting their money, you won’t have anything to live off.

Other options include legal action like lawsuits, and in some extreme cases you might even be sentenced to prison.

When You Need to Hire a Debt Settlement Lawyer

You need to hire a debt settlement lawyer to handle your case, rather than just try to handle it yourself, if:

1.    You Have a Significant Amount of Debt

Small debts are relatively easy to settle because even if you only provide half of what you owe in a debt settlement, the creditor often walks away happy. This usually only happens if your debt is 1000 dollars or so, and you can offer to pay your remaining 500 dollars to settle your debt.

If you are in debt for tens of thousands or hundreds of thousands of dollars, then you will need a debt settlement lawyer.

2.    You Have Been Issued a Lawsuit Over Your Debt

Being issued a lawsuit over your debt is a very serious issue, which is why you will want to seek out legal advice to help protect from a lawsuit over debt as soon as possible, and hire a lawyer to represent you.

If you do not have a lawyer on your side that specializes in debt lawsuit, you could end up in a worst-case situation. This is because the prosecutor and their legal team will use the full extent of the law against you in order to win.

3.    You Need to File for Bankruptcy

Filing for bankruptcy is a big step, and it could solve debt issues should you have no way to pay back all of what you owe. If you do intend to file for bankruptcy or are at the very least thinking about it, then you will need to hire a lawyer to handle your case.

Hiring a lawyer before you make any big decisions is important, because though filing for bankruptcy might seem like the best way to make all your problems disappear, the consequences can often be dire.

Your credit will be destroyed for years depending on which filing you opt for. A Chapter 13 filing will result in your bankruptcy remaining on your record for seven years. A Chapter 7 filing will result in 10 years.

Future borrowing will either be impossible or incredibly expensive, meaning that you will have a very difficult time regaining assets and building up a healthy retirement fund.

By hiring a lawyer, he or she can go through your options and negotiate with your creditor to find a way that keeps your credit intact. This way, you can borrow in the future to buy that next car, or perhaps more homes.

Debt Recovery

Regardless of whether you file for bankruptcy or not, you will need to invest in debt recovery after your debts are settled. This could be done by consolidating your loans to settle your debts with your creditors in exchange of one lender. You could also settle each debt you have individually and then work to improve your credit, with things like credit building loans or special credit-building credit cards.

 

When Do You Need to Hire a Truck Accident Lawyer?

You have just been injured by a truck. The accident has caused you some type of physical or mental pain. It might have left you temporarily or permanently injured. On top of that, these truck accidents are much more complex than an average car accident. The only question left now is, do you need to hire a truck accident lawyer? And if the answer is yes, then when do you have to do? Keep on reading this article to find out all the information about hiring a truck accident lawyer.

The Sooner You Hire A Lawyer, the Better

Just like with every lawsuit out there, the sooner you act, the better the chances of winning. You should hire a lawyer as soon as the accident took place. By doing this, the lawyer in charge can help determine what the amount of money you could receive for compensation is. Staying one step ahead of the responsible party is vital.

The second thing he or she can do is to collect as much evidence as possible. Everyone knows that to have a winning lawsuit you need to present as many pieces of evidence as possible. So, the sooner you hire your lawyer, the sooner he or she can help obtain and secure all this evidence. The same goes for witnesses. Your lawyer can interview them to get their side of the story.

How Severe Are Your Injuries?

The next situation in which you want to contact a lawyer is as soon as you, or your guardian, realize that you are physically and mentally unable to deal with the lawsuit by yourself. It goes without saying that when the injuries are so severe that you cannot perform like your usual self then you have to hire a lawyer.

Even if you are not severely disabled, if you are undertaking a treatment, chances are that dealing with a lawsuit by yourself would be too strenuous. Your health and your recovery should be your main interest points after an accident. That is why you have lawyers to deal with the logistics in your name. This being said, a lawyer should be hired before or as soon as any medical complications arise.

Do Not Settle For Less

The last instance on this list when you do need to hire a truck accident lawyer if you have not done it already is as soon as the insurance company of the truck driver reaches to you with a settlement offer. In most cases, these offers fail to provide you with the full compensation you would be entitled to.

This is when you need a lawyer who can tell you how much you deserve. He will look at all your medical bills, he will take into consideration how the accident has impacted your personal and professional life, and all the other factors involved.

This being said, you now know what the three most important instances when you do need to hire a truck accident lawyer are.

What To Consider When Hiring a Lawyer

Life can come with unpredictable turns. Some people may find themselves in the midst of a divorce, which can be painful and difficult to navigate. Others may own a business, but suddenly be in a situation where they need to sell. In these circumstances, it can be helpful to hire a lawyer who will tactfully handle your case as they help you navigate legal matters.

How To Know if You Need a Lawyer

If you find yourself in a situation that involves going to court, navigating law or a legal dispute, it can be helpful to hire a lawyer. You may find yourself in other situations that don’t involve conflict, such as starting a business, when you may benefit from these services. Many lawyers will give a free consultation so you can learn about their services, if you need representation and about legal fees.

Deciding Which Type of Lawyer is Right for You

Lawyers usually focus on particular areas of the law. For instance, one lawyer may work with immigration while another focuses on business law. Deciding which type of lawyer you need is based on your personal situation. For example, if you want help writing a will you’d want to hire an estate lawyer. You can find lawyers by searching Howard County attorney or whichever county you live in to find lawyers near you.

How To Select a Lawyer

Once you have decided which type of lawyer you need, the next step is to shop around. While it may be appealing to hire the least expensive lawyer, there are other factors to consider. A lawyer who is communicative is important to keep you updated on the developments in your case. Good rapport is important so you are comfortable discussing your case, which can lead to better outcomes. You can get a feel for rapport by going to free consultations.

The benefits of having legal representation can pay off for your long-term goals. With the right lawyer, together you can work towards your desired results.

Three Ways To Post Bail in Pennsylvania

The legal process can be complicated and burdensome. If you or someone you know has been arrested, you may be wondering how to bail someone out of jail philadelphia pa. There are several ways this can be done, to be determined by the judge.

Monetary Release

Bail is set if the defendant poses a supposed risk, like if they have a prior record. If they do not have the funds themselves, friends or loved ones can take up the mantle for them. This is where bail bonds come in. Purchase of a bond guarantees that the full amount of bail will be paid. The price of bail is set by the severity of the crime and several other factors. Sometimes a nominal bail can be set, as low as $1.

Non-Monetary Release

Being released on recognizance, otherwise known as ROR, is the best possible release situation for a defendant. This means that no money is required, only a promise to attend all hearings and trials. This type of release is usually reserved for those with a clean record, if a non-violent crime has been committed. In Pennsylvania, it is a separate crime to miss a trial, so money is not as heavily relied upon as an incentive to attend.

Unsecured Bond Release

Think of this type of release as a threat of a bond. No money is required for the initial release, but the defendant does need to sign a bond agreement. This means that a bond will become active should they miss any hearings or trials. Again, the bail amount is determined by the severity of the crime in the context of the defendant’s criminal history.

It can be a huge relief to be able to await your trial from home, instead of from a jail cell. Step one in your fight for justice will probably be to figure out bail. Once you or your loved one is released, you can start worrying about the next steps.

When You Might Need a Lawyer

You know that you should consult with a lawyer when you’re facing criminal charges. After all, a criminal record could affect your livelihood, finances, and freedom. However, there are many other situations when you may want to consult with attorneys Ashburn VA.

Nonprofit Boards

Nonprofit boards that are tax-exempt must ensure that the organization’s finances and activities are conducted in a manner that will not affect their tax-exempt status. Even a simple space rental to another organization could cause problems. It is wise to regularly check in with an attorney who has experience with nonprofits.

Employment Contracts and Disputes

If you’re an employer, you want to make sure that you do not violate anti-discrimination laws when you hire and fire employees. You also need to worry about accurately classifying employees and independent contractors, and paying appropriate taxes. You may also want advice on employee handbooks and non-complete clauses in contracts. For these reasons, any employer should have an attorney on retainer.

As an employee, you should consider having a lawyer review any contracts before you sign them. If you are about to be fired, or believe that you are dealing with harassment at work, a lawyer can help you sort out your options.

Homeowner and Condo Associations

Homeowner association boards are largely volunteers who may have little experience with the laws that govern HOAs. These boards must not only keep in mind the local covenants, but also city, state, and federal regulations. Even simple questions may have complex answers. Lawyers that specialize in HOAs can advise you on how to keep records, run meetings, and deal with covenant violations.

Media Law

If you produce or publish any kind of content, you have an interest in protecting your work. If you plan to show media in a public setting, even if it’s showing a movie to a church discussion group, you need to make sure you have the right licenses. Media lawyers assist with understanding copyright law and the process of granting permissions.

Lawyers can help you understand and manage many potential legal pitfalls in situations outside of criminal cases.

3 Ways the Right Attorney Makes a Personal Injury Case Easier To Handle

An accident that leaves you seriously injured and worried about your financial future can make it feel as if the world is ending. However, the right Boston injury lawyer can help you make sense of your situation and get your life back on track sooner rather than later. The following are just a few examples of how.

1. Experience

Managing your personal injury case completely on your own can easily leave you feeling even more overwhelmed than you already do. Plus, it’s hard to be sure you’re really making the right decisions when you’re already under an immense amount of stress. A personal injury attorney has handled many cases exactly like yours over the years and knows exactly how to handle every possible situation without missing a beat.

2. Efficiency

If your injuries are severe enough that they’re impacting your ability to work and live your life, then it’s in your best interests to get your case resolved as quickly as possible. Your attorney will be able to gather the necessary paperwork, communicate with your insurance company, go over any relevant police files, and handle every other task associated with building your case. This means you won’t have to juggle those tasks yourself along with everything else you have on your plate.

3. Peace of Mind

Your personal injury lawyer is as invested as you are in getting your case resolved on a positive note, so you can rest easy in the knowledge that he’s working hard with your best interests in mind. He’s also capable of answering any questions you or your loved ones may have about the entire process. With the right professional assistance on your side, it will be easier to sleep well at night and to stay positive about the eventual outcome of your case. Explore the possibilities today.

How A Chapter 11 Bankruptcy Can Save A Business

Not every business can afford to stay open. Some businesses need more time to see their long-term revenue. Others might have been struggling to pay off their debt. Whatever the reason, if a business needs more time to start making money, filing chapter 11 bankruptcy can literally buy them that time.

What is Chapter 11 Bankruptcy?

Chapter 11 bankruptcy is a reorganization plan that allows businesses more time to pay off their debt. This chapter is a great option for businesses if they are struggling with debt but want to stay in business to realize their long-term revenue plan. When a company files Chapter 11 bankruptcy, it is generally to buy more time to reorganize their debt.

What Happens in a Chapter 11 Bankruptcy?

In a chapter 11 bankruptcy, a business gets to come up with a debt reorganization plan that will show the court how the business will pay off their debt under the plan. The plan must be in the best interest of the creditors, not the business. Remember that the purpose of the chapter 11 is so that the debtor get a chance to pay off their creditors. If the debtor does not propose a reorganization plan, the creditors may come up with one.

Creditors cannot make further attempts to collect debt from a business when a chapter 11 bankruptcy attorney files chapter 11 for the business (with few exceptions). This gives the debtor more freedom to focus on making whatever shift or action necessary to follow the reorganization plan for paying off the creditors.

Probably the main advantage of a chapter 11 is that the debtor can stay and run its business as usual. This helps the business generate revenue while making efforts in paying off the creditors. However, some business operations are not allowed without the court’s approval. Some restrictions include decisions to sell assets or expanding business operations.

Businesses that need more time to get their debt reorganized can file a chapter 11. The debtor will be able to remain operating while making sure that they are fulfilling their obligations to the creditors. Sometimes, a chapter 11 can be a valid approach for businesses if they need more time for their longer-term business plan to come into fruition.

Filing for chapter 11 is one of the more expensive bankruptcies. A business should carefully consider if a chapter 11 is their best option before making the decision to file for one.

Tips for Getting Compensated After an Auto Accident

Being involved in a car accident is a stressful situation to be in, especially if it happened due to the negligence of another driver. The hospital bills, the car repair cost, and the wages you lose because of the time you’re spending on the process can lead to you feeling emotionally and financially drained. It is exhausting and it can be a lot tougher when you don’t have the help of an auto accident lawyer. For this reason, we’d like to make it easier for you with a few important tips!

Call the police!

When the fault is on the other person, they’ll try to convince you that calling the police isn’t necessary. Well, it is! You won’t know how much you’ll be spending until you are dealing with the costs that come from being in an accident. For instance, many people don’t feel any pain until days after the accident, and medical attention is expensive. Because of this, getting that compensation is more important than you think. It will help you cover current and future expenses that you may not be aware of, yet.

Here is where we make the connection. A police report is essential in getting compensated because it can prove that you weren’t at fault for what happened. Therefore, making sure that you call the police is the very first step that you need to take as soon as the accident occurs.

Beware of the statute of limitations

In Florida, the law dictates that you have four years after the date of the accident to file a lawsuit. If you don’t do it during this time, your case will probably be denied. Hence, being aware of your time limit and the other laws that apply is essential to ensuring a successful case.

Your Insurance Company isn’t your friend!

Did you know that adjusters are trained to make the lowest offer possible? Even if you are their client, adjusters are just interested in getting you to accept their lowest offer. That’s the truth, they only care about saving money. Consequently, you shouldn’t accept their initial offer.

Actually, the recommendation is that you don’t call them at all. An auto accident lawyer will handle the insurance company to get the best offer. And when the best offer isn’t made, your lawyer will take the case to the court. They will help you build a strong case so that you are compensated as you deserve!

 

Attorneys Under Fire

U.S. attorneys Miles, Stockbridge, and Berneche Pattison are under fire for defending a Hamas wanted terrorist.

Mamoun Hamdan,

A terrorist who is wanted by the IDF. His name was previously listed as an active terrorist wanted by the IDF ; see list on following link

63 more Palestinians jailed without charge or trial under administrative detention


When his wife Nafeeseh met him, she was clueless about his past. She has no idea that he has spent in years in Israeli jails for selling Hamas guns and ammunition.

The moment his wife became aware that her husband is wanted and is an active terrorist, she was able to save her children by fleeing to the United States where her family is. The mother believed that her children will be protected from this terrorist in the USA due to it being a country that doesn’t negotiate with terrorists. After almost two years of planning, patience, and stressful nights, the U.S. Visas were issued. The mother and her children were lucky to arrive to U.S. lands by the end of 2018.

While Nafesah was trying to start a new, normal life with her children after years of abuse while living with the father, she was shocked when she received a letter from
the court system, his lawyers Miles & Stockbridge and Brione Berneche Pattison, requesting full custody of the children. While she has been the sole provider for the children, the mother is on a tight budget. Though the situation was shocking and difficult on her, she was forced to hire a lawyer to defend her. Her family was shook due to the fact that Mamoun Hamdan is listed on the IDFs terrorist list with hundreds of photos and articles that connect him with Hamas leaders online, yet was still able to hire a U.S. attorney and request full custody of the children who were lucky to flee the abusive life the father had built.

We’ve been left to question how these law firms do their research and more importantly, are the United States government aware of the funds that were paid by a wanted terrorist? What is his source of income? How were the funds transferred? Nafeeseh is a loving, dedicated, protective, mother that has her kids living a normal life around their family, friends, teachers, in a safe atmosphere that will allow her and her kids to start a continue to live their new, stable life.

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Appeal Skeletal Arguments 2018