When the Doctor Has Caused the Death

Facing Foreclosure? 4 Strategies For Preventing Foreclosure And Keeping Your Home

Posted by on 7:02 am in Uncategorized | Comments Off on Facing Foreclosure? 4 Strategies For Preventing Foreclosure And Keeping Your Home

Although the worst of the housing crisis is over, many people are still finding it difficult to make their mortgage payments. A stale economy along with stagnant wages and unforeseen circumstances have many wondering if they can continue to stay in their home. Fortunately, there are safety nets now in place to help people facing foreclosure stay in their home. There are time limits, however. If you fear that your home may be foreclosed upon, you should start fighting for your home right away with one of the following four strategies.  Loan Modification Several government loan-modification programs are available. Each will help you modify your loan and lower your payments to an amount you can afford. The Home Affordable Modification Program lowers your payments to a percentage of your gross income. Other loan modification programs can actually help you reduce the amount you owe on your home. You may also be able to refinance your home through the Home Affordable Refinance Program.  Government Assistance If you’re losing your home and can’t do a loan modification, there are other government programs that can help. You may be able to ask for a temporary reduction or suspension of your mortgage payments until you can get back on your feet. If you don’t foresee a time when you can afford your home again in the future, you may be able to take advantage of Home Affordable Foreclosure Alternatives. This program will help sell your home and secure more affordable housing for you.  Bankruptcy Court You may also choose to stop foreclosure proceedings by filing bankruptcy. Bankruptcy allows you to restructure your debts and payments so you can afford to live more comfortably. If you can restructure or eliminate some of your debt, you may be able to prove that you will be able to make your mortgage payments and keep your home.  Lawsuit Settlement If foreclosure is imminent, you may have to hire an attorney to fight it for you. Your attorney may be able to stop the foreclosure if they can prove that your lender has made a mistake in the foreclosure process. They may also be able to negotiate with the lender to come to an agreement other than foreclosure.  As you can see, there are many ways you can stop a foreclosure and continue living in your home. To find out which options make the most sense for your particular situation, talk to a real estate attorney today. There are deadlines for many of these options. If you wait too long, it might be too...

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Starting A Business? Two Reasons Why You Should Hire An Employment Attorney

Posted by on 5:42 am in Uncategorized | Comments Off on Starting A Business? Two Reasons Why You Should Hire An Employment Attorney

Starting a new business can be a very exciting venture. You get the chance to be your own boss and watch as your hard work and quality service are rewarded with growth and profits. However, as thrilled as you may be about the prospect of being the leader of your own enterprise, it’s also important to make sure that you mind the particulars. If you’re planning to have a staff, there are certain measures that need to be in place. That’s why it’s so helpful to work with an employment attorney. Use this information to learn more about why you should hire an employment attorney before you get your business off the ground. Employment Attorneys Help To Keep You In Compliance One of the main reasons why you should hire an employment attorney is because they help to keep you in compliance. This is beneficial for a number of different reasons. Understand that when you have people working for you, they have certain rights. For example, there are laws concerning their rights to be paid overtime, get leave if they are sick, and receive a whole host of other things that you may not be aware of. Because employee law is so extensive, it may seem that it’s nearly impossible for you to truly make sure that you’re doing everything in the right manner. If you fail to adhere to a stated employee law, it could result in you being fined, being penalized, or even having the doors of your business closed. That’s why it’s such a good idea to hire an employment attorney. These legal professionals can make you aware of the laws that you must uphold so that the rights of your staff can be honored. Employment Attorneys Help You Compile Your Company Handbook Another reason why you should work with an employment attorney is because they can assist you in getting the information you need in order to compile a viable company handbook. Your handbook is the document that is typically given to each employee the moment they are hired. It outlines the rules and regulations that they must abide by if they want to keep their jobs. It also features information about their rights. Your employment lawyer can help you by letting you know which rights you should include in the handbook, which may vary by state. Hiring an employment lawyer before starting a business could prove to be a very wise decision. Don’t wait; get in touch with an employment attorney today so you can enjoy these benefits and much...

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Exposing Several Myths Concerning Patents

Posted by on 8:57 am in Uncategorized | Comments Off on Exposing Several Myths Concerning Patents

Being awarded a patent can be an essential step for any business or individual that has created an invention. However, patents are widely misunderstood, which can have dire consequences on your ability to make informed choices about filing for this type of legal protection. Myth: You Must Be The Original Inventor To Be Awarded A Patent There is a frequently believed idea that only the original inventor will be able to procure a patent. In reality, it is possible for businesses, estates, and other entities to file for patents. For this to be a possibility, the original inventor of the device will need to sign away their ownership rights and designate a new owner. Myth: A Patent Offers Worldwide Protections While a patent can be essential for protecting your business’s interest against competitors. There is a popularly believed by erroneous idea that patents apply to the entire world. The reality is a patent will only provide protection in the country where it was issued. For businesses that are active in international markets, it might be prudent to obtain patents in the relevant countries to prevent competitors from being able to steal and utilize your inventions. Myth: Filing For A Patent Is A Short Process The process of filing for a patent can be an arduous and complicated task that can take many months or years to complete. To be awarded a patent, you will have to provide detailed descriptions of your invention. These descriptions must include the components of the device as well as the way that it functions. To help explain the invention, it can be common for diagrams and other design drawings to be included with the application. Unfortunately, errors during the completion of this application can result in extensive delays or your application being rejected. To help you ensure these documents are properly prepared, you should retain an experienced patent attorney as they will have an understanding of what the review board will weigh the most. In some instances, the application for the patent may be rejected by the board. When this is the case, you should not lose hope as it is possible to file an appeal. This appeal will allow your case to be reviewed to determine whether the initial rejection had merit. In instances where the rejection was incorrect, the appeal board may either issue the patent or restart the application process. The exact option will depend on the specifics of your case, but your attorney can help guide you through this convoluted...

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Understanding The Reasons You May Have To File For Bankruptcy

Posted by on 9:23 am in Uncategorized | Comments Off on Understanding The Reasons You May Have To File For Bankruptcy

During the course of going through life, it’s easy to get trapped in a cycle of down-sliding while trying to figure out your place in this world. The excitement of getting your first credit card, buying your first car, or even buying a home is something most Americans can look forward to. However, if you are financing the purchase of an expensive item through credit or otherwise, you have to maintain those payments on a timely basis. Unfortunately, things happen that can cause you to miss or stop paying your creditors and cause you to file for bankruptcy. Below is a list of reasons it’s possible to mess up your credit and have to file bankruptcy. Medical Issues Going to the emergency room may be something you can’t avoid if you get into an accident or become extremely ill. If you have no insurance, then it’s possible to rack up a lot of fees for services rendered during that time. The fees can be astronomical and totally out of your budget. When this happens, it can cause your credit to decline. If it gets too bad and you can’t afford to make a payment, it may be in your best interest to consider filing for bankruptcy. Income Issues When you first put a down payment to purchase a new home or car, you may feel solid about your income and the job that led you to afford these purchases. However, you may end up in a situation where you lose your job, your hours change, or your pay decreases. When this happens, it may be hard to continue to live the lifestyle that you are used to. The end result would be that you have to cut expenses in order to live somewhat comfortably. When cutting expenses, this could mean consolidating bills, working out lower payment arrangements, or as a final result, apply for bankruptcy. Divorce Management When you are in a lifetime partnership, your unit becomes as one in order to maintain a strong relationship. This means that you have combined your income to make small to major purchases. However, once you are divorcing, everything gets divided up and your lifestyle or way of living changes. It may also mean that you have to consume a portion of the debt you two created together. If your income isn’t enough to cover the pending expenses, you may need to consider filing for bankruptcy. Bankruptcy may be an option for some when the debt is so far over your ability to pay off, or you need a little relief in order to get your finances back under control. Consider speaking with a bankruptcy attorney to go over your situation and find out how you can get your finances under control once...

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2 Questions to Ask about an Attorney Estimate

Posted by on 6:20 am in Uncategorized | Comments Off on 2 Questions to Ask about an Attorney Estimate

If you are considering hiring an attorney, it is important that you find out exactly how much they are going to cost before you hire them so you are sure you can afford their services. Also, because different attorneys use different payment methods, it is important that you find out which method a particular attorney uses. Different methods may change the cost depending on certain factors, such as if you win the case, lose the case, have an extended case, etc. The best way to know what to expect in terms of an attorney estimate is simply to ask questions. This article will discuss two questions to ask in regards to an attorney estimate.  What Is Their Fee Arrangement? Attorneys generally choose a typical type of fee arrangement and then use this as their base for pay. This may be an hourly fee, a flat fee, a contingency fee, or a retainer fee. An hourly fee is going to be simple and will be the price that you pay for the attorney by the hour for as long as you work with them. Other attorneys like to keep things a bit simpler and will simply have one flat fee that they charge you, no matter how much time you spend working with them and whether or not they win your case for you. A contingency fee is going to be a fee that you will only have to pay if your case meets the contingency. For example, if the contingency is that you will pay attorneys fees only if your attorney wins your case for you, then this is going to be how you are charged. Finally, a retainer fee is when your attorney requires all of the estimated cost of their services up front, and then takes the money out of an special account as it is spent. If there is any left over in the end, this will be returned to you.  What Are the Court Costs and Other Expenses Going to Be? While you are obviously going to have your regular attorney fee, you are likely also going to have some other costs that come along with going to court and working with an attorney. These costs may include court costs, filing fees, secretarial charges, delivery charges, etc. Knowing what these are going to be beforehand can help you to plan for these added costs and have the money ready when the time comes to pay for them.  For more information about attorney estimates, talk to McKone &...

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Going Through The Motions: When You Need A Real Estate Attorney

Posted by on 11:32 am in Uncategorized | Comments Off on Going Through The Motions: When You Need A Real Estate Attorney

If you are planning a home purchase, you need to think about the process as a whole. It is not as simple as looking at a few homes until you find one you like. It is a major transaction that will often require the assistance of a variety of real estate professionals, including an attorney. In fact, some types of purchases will absolutely need to have a legal presence to protect all parties to the sale. If you are unsure whether or not you truly need a residential real estate attorney, consider the following: When You Are Not a Negotiator If you are not great at negotiating, an attorney can be a great benefit to you. There are many variables to a home purchase that will need to be negotiated, such as different disclosures, contract issues, and the actual price of the house. When you are negotiating, you will need to be aware of all of your rights as to what you are allowed to ask the seller for when it comes to the sale. You will also need to be fully aware of the legality of any deals you may make with the seller. If you have not had any experience negotiating, especially with a home sale, an attorney will be very useful. When You Are Buying a Foreclosure Property If you are interested in buying a foreclosure home, a real estate attorney is going to be essential. The home buying process is much different when a foreclosure is involved. The benefit to buying a foreclosure property is the lower price, but with that often comes more hoops you will have to jump through. If you are new to buying a house, an attorney can be really be beneficial to ensuring you have all of the necessary paperwork that comes along with a foreclosure purchase. Inspections can also be an issue with a foreclosure, and an attorney will guide you through that process as well. When There Are Seller Issues That Can Halt the Sale You will also need to consider anything on the seller’s end that can cause problems for the sale. One of the most common seller issues is a problem with their mortgage. If they fail to disclose any liens on their mortgage during the sale, it can cause the entire process to fall through. Your lawyer will check for any of those issues for you. A residential real estate attorney provides many useful benefits to the homebuyer throughout the entire process, not just at closing. If you are a first time buyer, consider letting an attorney walk with you through the process. For more information, contact local professionals like Steve Butcher...

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Don’t Settle For Less: Personal Injury Claim Settlements And You

Posted by on 11:48 am in Uncategorized | Comments Off on Don’t Settle For Less: Personal Injury Claim Settlements And You

If you are the victim of another person’s negligence, you may want to pursue monetary damages from the at-fault party. The word “settlement” is sometimes raised when it comes to getting compensated for your injuries and damages, but what is really meant by this term? Most personal injury victims settle their claims outside of court, so read on to learn more about settlements and what to expect Settling outside of court A settlement offer from the at-fault party relieves both sides (your side and the at-fault driver’s side) of the necessity of spending a great deal of both time and money to litigate a claim in court. Offers can come at any time, but the other side must first learn of your intention to sue and your damages. This is accomplished with an important piece of correspondence known as the demand letter. The demand letter A good demand letter has prompted many a settlement offer, so the skillful crafting of this letter is of utmost importance. At this point in the personal injury process, no suit has been officially filed, but the demand letter unmistakably lets the other side know that a suit is in the offing if the “demands” are not meet. What goes into a good demand letter? A summary of your damages, including a dollar amount of your medical expenses (so far)—this dollar amount plays a major role in your settlement calculation. A projection of any future medical expenses, which is especially important if you suspect that you might end up having a permanent injury. Why the other party is at fault—even if you suspect you may be partially at fault, leave that issue for the settlement negotiation stage where fault will eventually be determined by percentage of all parties involved. A summary of evidence to prove your claim, such as witness testimony, a video of the accident, the police and/or accident report, and photographs. Finally, and most importantly, the total dollar amount you are demanding to be paid to prevent you from filing suit. What you may be entitled to collect. Payment for all related medical expenses. Repair or replacement of the vehicle and any personal property. Lost wages, including time spent using your sick and vacation pay. Pain and suffering, which is the way the accident has impacted you and your family. Once your adversary is in possession of the demand letter, the negotiations can begin. Be sure to contact a personal injury attorney for assistance in ensuring that you are compensated in a fair and complete...

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3 Common Motorcycle Accidents You Can Avoid

Posted by on 10:24 am in Uncategorized | Comments Off on 3 Common Motorcycle Accidents You Can Avoid

When you’re hit by a negligent driver, your life is put in danger. As a motorcyclist, you have little protection against injuries, and that can mean that even a slow impact results in broken bones or deep lacerations. The best way to avoid these injuries is to prevent an accident; while you can prevent them all, here are the main kinds of motorcycle accidents caused by other drivers and what you can do to try to prevent them.  Drivers Turn Left in Front of You One of the most common causes of motorcycle accidents is when a driver pulls out in front of a motorcyclist by turning left and cutting off the motorcyclist’s path. When this happens, you often don’t have time to stop or evade, leading to a head-on collision. To help prevent these accidents, you need to be aware of upcoming roads and parking lots. Try to make eye contact with drivers waiting to pull out; Honk your horn, wear bright clothing, flash your lights or wave at the driver. Basically, do anything you can to make sure you’re visible to that person.  Driver Pulls into Your Lane If a driver pulls into your lane while you’re driving, it’s often because you’re riding in that person’s blind spot. Of course, drivers should be looking beside their vehicles to make sure no one is there, not just relying on mirrors or what they can see immediately outside their driver’s side window. To help prevent this kind of accident, try to ride behind or in front of a vehicle; riding alongside it can result in an accident caused by a driver not seeing you.  Driver Rear-Ends You Sometimes drivers get too close, and there are times when people aren’t paying attention and rear-end others. This is a danger for anyone who has to come to a stop, but you can help prevent an accident by keeping an eye on traffic behind you. If you notice someone coming up too quickly, you may have time to evade the crash by pulling over to the side of the lane or even getting off and abandoning your motorcycle. Remember that cars do take more time to slow than motorcycles, so if you are approaching slowed or stopped traffic, you should give the driver behind you warning to help prevent the driver from being unable to stop in time.  There are just three of the kinds of accidents motorcyclists face. If you’re hurt, remember to seek advice from local motorcycle accident...

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Bit By Someone’s Dog? Here’s What To Do

Posted by on 4:18 am in Uncategorized | Comments Off on Bit By Someone’s Dog? Here’s What To Do

Dog bite injuries are serious—some can even be fatal—so it’s important that you seek help if you were bit by a neighbor’s dog or even a dog that you think is a stray. What you do after the bite will determine the next few months of your life, so knowing how to handle an injury is important. After a bite, you need to protect yourself and your rights to the best of your ability. Here’s what you should do if your injuries allow you: 1. Get information from the dog’s owner when possible. If you know the dog has an owner, you need to speak with them. You should get their name, address, and telephone number. Don’t make this a serious discussion about why the dog wasn’t on a leash or in a fence. Don’t make accusations or otherwise cause a confrontation. Just get the information you need and leave it at that. If you were bit by a stray, see if there is anyone around that recognizes the dog. 2. Get information from the scene of the accident. This is an important step and often overlooked. You need to write down everything you can about what happened. Take notes about the size of the dog, the color, the breed, and even the name if you know it. If you have a cell phone, snap a picture. Note the day and time of the attack as well as the location and the moments leading up to the attack. You want to write all of this down while it’s still fresh in your mind so you don’t have trouble remembering later. 3. Call 911. Call 911 so they can dispatch help. The police may come out to investigate the situation, and if you need medical care but can’t make it to the hospital, you will be able to get in an ambulance. 4. Call Animal Control. Even if the dog has an owner, you need to report the incident to animal control. You don’t want to be too elaborate before you are able to speak to your attorney. Just say that the dog bit you and give the address and identification of the dog and leave it at that. 5. Seek medical care. Even if you didn’t need to use the ambulance to get to the hospital for medical care, you should still be checked out by a doctor. If the injuries are minor, you can probably wait until the next business day and make an appointment. If you have more serious injuries, you should head over to the emergency room and get help. 6. Seek legal advice. Call an experienced personal injury attorney that deals with dog bite cases and find out what your rights are moving forward. You may have a personal injury claim against the owner of the dog. Dog bites are serious, and when you know what to do, you will be prepared should you find yourself on the other end of a dog’s mouth. Contact a firm like Hardee and Hardee LLP for more...

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Three Benefits Of Having Your Business Issue Securities

Posted by on 4:07 am in Uncategorized | Comments Off on Three Benefits Of Having Your Business Issue Securities

Wondering if it’s time for your business to issue some securities? While the process of getting involved with securities can be a bit confusing and possibly even a little overwhelming, the benefits can be worth it. Here’s a look at what your business could gain by working with a securities law expert and issuing securities: 1. A boost to working capital Whether a business is a massive, multi-national company or a relatively small organization, issuing securities can help the business gain a boost to its working capital. If you need help covering operating expenses or if you anticipate an increase in revenue if you can just get past another financial hurdle, issuing securities may be the right option for you. It allows you to access cash through a couple of different paths. 2. Multiple options Unlike some other types of business funding, issuing securities provides your company with a few different options. The most popular security options in most cases are stocks or bonds. If you opt to issue stocks, you are essentially selling equity in your company, and anyone who buys a stock is buying a piece of your company. If you are profitable, your stockholders can sell the stocks at a profit, but if your business loses money, the value of the investors’ stocks fall as well. Conversely, bonds are a debt security. When you “sell” a bond to an investor, the investor is actually loaning you money. Based on the bond agreement you draft with the help of your securities lawyer, the investor can collect interest on the bond at certain intervals, and then, typically, the investor can cash it in for its face value after a set maturity date. With both of these options as well as all the different ways you can configure the securities agreement, you can easily find a solution that works for your company’s needs. 3. Alternative funding When you work with a lawyer to sell securities for your business, you tap into an alternative funding source. You don’t have to worry about traditional bank loans, if your debt-to-revenue levels are already too high, or similar factors. Instead, you can simply leverage the value of your business to attract investors and access the funding you need. Want to learn more about how selling securities can help your business? Contact a securities law attorney today. These professionals can help you decide if issuing securities is right for your business....

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