Credit Card Debt Solutions – How to Legally Wipe Out Half of Your Credit Card Debt

What is so special about 50% reduction of your credit card debt? Well, if you have negotiated with your credit card company in the past, you will realize that securing even the 5% discount is next to impossible.

Even if you are prepared to make a lump sum repayment, the credit card company will insist on full and final repayment. That is only when you refuse to pay will they think of offering a discount.

In such a scenario, to make use of legal solutions to reduce your credit card debts by 50% is a very big thing indeed. Of course, you cannot opt for the solution if you are financially secure and stable. Not only will the credit card company refuse to offer such a deal, you should avoid such a deal because it will have a negative impact on your credit score as well.

However, if you are not in a position to repay your debts properly and if you are very close to bankruptcy, then there is nothing harm in trying and securing a 50% discount. If things work out, you will definitely find it easier to manage your debts. If things do not work out, you can always go in for bankruptcy, which was always on the cards.

The first step that you should take is get in touch with your credit card company, either directly or through an intermediary. You should initiate negotiations and find out whether they are agreeable to a settlement in principle. Of course, you will have to carry out a counseling session and provide a clear indication why you are in need of discount.

Once you have obtained the in-principle agreement, it is time to proceed ahead and thrash out the actual deal. Even if you secure the in-principal agreement on your own, it is advisable to get a professional on the job as far as determining the actual percentage of discount is concerned.

This is because there are certainly legalities and technicalities involved. Nine out of ten persons have absolutely no idea of the contents of a settlement agreement. In such a scenario, a legal and fair solution will be one which is finalized by a settlement company.

You can insist on paying as a percentage of the total amount of settlement obtained. This performance based payment will ensure that you enjoy legal services. Of course, you should also shy away from paying bulk of the upfront fees in advance. Rather, you should wait for the benefits to flow in before paying the fees.

Legal Solutions Software – Hot Tips For Down-Loadable Legal Software Online

Legal solutions software is a term you should become acquainted with as it will become the first step in giving yourself a huge raise. Whether you are running your own business or are facing some sort of minor legal issue in your everyday life, legal solutions software can save you time, money and get the job done exactly as you need it.

It doesn’t take a rocket scientist to realize that a visit to a lawyer’s office for legal forms for you online business, simple wills, divorce, bankruptcy, power of attorney, lease agreements, for sale by owner software, incorporation software, land contract software, living will software and many others will be nothing short of hundreds of dollars.

You can now get this type of legal software online that comes with complete instructions on how to use it with no attorney required! You can now literally save thousands in attorney fees and create you own legal documents quickly, easily and most importantly, affordability.

This type of software is called “pro SE” law and is also known as “do it yourself” or “self help” law and many people have been doing it for years. It used to be that your only source for these types of documents could only be obtained by going to you local office supply and then not all forms might be available there. You can now obtain these forms and software online with a click of the button and without all the expense.

Don’t be fooled by those who say it is foolish to only let an attorney do this. The truth is, it is foolish to not be doing some of these things yourself. Knowledge is power and pro SE law is something anyone can do and as I said before all the software and forms come with complete instructions on how to use it with customer support if you should have any questions.

Not every legal matter can be handled with self help law. If you have a complex legal matter or some type of criminal legal situation looming before you this is not the type of solution for you. If you are looking at something very simple and routine then this could be the perfect match. There are also online legal specialists available to help you with these forms by sending you a questionnaire and then create the legal document for you! Nothing is impossible with online legal downloads.

The Legal Solution for Workplace Generic Related Injury Disorders

There is a need for you to be informed about the legal solutions and compensations for generic workplace injuries or recurring disorders not only for people in manual jobs only, but white collar jobs as well.

In this rat race of life, we encounter harm in our work places every day in our attempt to make a decent penny. Recurring disorders that are related to work are the cause for health concerns today among all workers, irrespective of whether they are in the manual jobs or white collar/office jobs. It is the duty of the employer to compensate you if you suffer from work disorder because the disorders will stay with you all your life. Therefore it is only fair that you get some compensation.

In most instances, honest employers are ready to pay off hand, but some situations might call for legal intervention. At times, employers will just apply delaying tactics every day and not tell you forthright that they do not want to pay while other will off handedly say that they will not pay. It is in this worst case scenario that you must find a good legal representative to take up the case for you. The good news is that you can find a good legal firm that deals with work related disorder cases online or even in your locality.

Some generic workplace injuries that you get as a result of your daily work and routines are dangerous and if not taken care of, they could incapacitate you for life and that is why you must act very fast to get medication. The medication for is costly and will vary depending on the seriousness of the wound or disorder. The worst case scenario is where you might even die prematurely as a result of the same. Therefore, you must get legal assistance to demand compensation.

Family and Divorce Law – Need Practical Legal Solutions

Family and Divorce Law is all about legal separation of husband and wife. And modern law firms have been offering practical legal solutions for individuals and families.

Federal government in Canada sets the family & divorce law which is applied fully and equally all parts of Canada. This article will help you to get some useful information related with the said law and practical solutions which modern law firms have been offering to individuals.

Divorces begin with application

An application is given to the court and this is the beginning of the divorce. The application is all about making it clear that there has been a breakdown of marriage and required to use Divorce Act. The application explains several things including the place where marriage took place, children, and custody of the children, paying for child support, grounds or reasons of divorce and much more.

It also includes the detail of family property. Certified copies of birth certificates and marriage certificate are also attached with the application.

Claim for support

Corollary relief or claim for support may be for the spouse or/and children. Claims for the custody of children also come under the same. As per the law, it is asked to prepare a financial statement explaining details of family’s monthly expenses.

Once the application is contested, hearing for the case is scheduled and both the parties as per Family & Divorce Law are cross-examined by their respective lawyers. This is the place where professional law firms play an important role.

This is the fact professional law firms with personal injury lawyer, etc, offer practical legal solutions to their clients for Family Law.

Family law matters

Family & Divorce Law involves several things along with divorce of the couple. Considering this, the firms keep account of working on behalf of clients for family matters including separation agreements, Cohabitation agreements, Co-ownership agreements, prenuptial agreements, Division of assets and Property transfers.

Custom solutions

Considering different family situation, the firms are known to offer custom legal solutions to tailor the services as per the specific need s of clients. In-depth familiarity with court and thorough knowledge on trial processes of Family Law helps the firms in serving the clients properly.

Cost sensitivity

Other than difference in situation, budget of individuals also vary. And the firms are responsible to offer their professional and ideal legal solutions with cost sensitivity. They consider the budget during the representation of clients for court proceedings, collaborative divorce, etc.

The fact is hiring a knowledgeable lawyer by taking help of professional law firms can help one to get ideal solution for Family & Divorce Law.

What Is Tort Law Exactly?

Have you ever done something that was against the rules? Well, torts are something like that; but much more serious. Torts are civil wrong-doings; immoral behaviors and actions against civilians. The law identifies a tort as immoral, and approves it as grounds for a lawsuit. Most often, torts come with severe consequences, like serious injuries and death. These consequences establish a civilian’s right to file a personal injury claim against a wrongful party.

Torts that result in serious injury or death can be punishable by imprisonment; however, the objective of tort law is to acquire compensation for damages incurred by victims and families of victims. In addition, and equally important, intent is to prevent similar wrongdoings from occurring in the future. In fact, victims of tort can take legal action for an injunction in order to inhibit further torturous conduct of the opposing party.

Explaining Torts and Tort Law

Victims of tort can pursue fair compensation for damages incurred as a result of the offence. Exemplary damages include everything from pain and suffering to loss of companionship, and much more; such as lost wages, hospital bills, medical expenses, scarring or disfigurement, funeral expenses, prolonged rehabilitation, permanent disabilities, and much more. Injured victims can also pursue compensation for damages like diminished quality of life and loss of benefits from loved one’s death. Tort law is established to protect injured victims that were wrongfully hurt by a negligent party. Negligent parties can include people, companies, individuals, organizations, products, and much more.

Categories of Tort

There are several individual capacities of tort law that all depend on the type of injury or accident that harms a person. Types of tort include motor vehicle accidents, product liability, assault and battery, sexual harassment, drunk driving accidents, wrongful death, slip and falls, head or brain injuries, dog bites, nursing home neglect, motorcycle accidents, and several other types of deliberate inflictions of emotional or physical trauma.

Every type of tort can be grouped into three separate categories of tort law; these categories are Intentional Torts, Negligent Torts, and Strict Liability Torts. Intentional torts are deliberate, premeditated, and purposeful. Assault and battery, sexual misconducts, and nursing home neglect are some examples of intentional tort. Negligent tort occurs as a result of carelessness and disregard. Disobeying traffic signals and causing an accident that harms another person is an example of negligent tort. Other examples include pedestrian accidents, hit-and-run accidents, medical malpractice, legal malpractice, and slip and fall accidents. Strict liability torts, on the other hand, occur when a particular action causes harm or damage to another person; such as liability for making and selling defective products that are hazardous.

If you are a victim of tort, or was recently injured in an accident caused by the negligence or misconduct of another party, you may be entitled to compensation for your damages. Contact a licensed personal injury law firm for professional guidance and counsel. It is important to take immediate action following a serious injury before the State’s statutes of limitation runs out. An experienced tort lawyer will substantially increase your chances and likelihood of winning your personal injury claim recovering compensation for your damages.

Common Benefits Received From Workers’ Compensation

It is common for people who are injured on the job to collect workers’ compensation benefits. The amount of compensation and degree of benefits received by injured workers largely depends on the extent of their injuries or damages. Damages can include but are not limited to pain, suffering, prolonged rehabilitation or illness, diminished quality of life, lost wages, medical expenses, hospital bills, mental trauma, PTSD, and much more.

It is wise to hire a personal injury attorney that specializes in workers’ compensation law to recover the full and fair recompense deserved. Continue reading to learn what type of benefits to expect, or that is possible, to receive after being injured while on the clock.

Workers’ Compensation Benefits

Not all workers’ compensation claims are for physical injuries. Although most involve some sort of bodily harm, mental anguish or trauma can be just as damaging. Sometimes, personal injury cases can involve sexual harassment, discrimination, assault or battery, contracting a work-related illness or disease, experiencing an armed robbery, and more. Either way, the common coverages and benefits received from workers’ compensation claims are as follows:

Paid Hospital Bills, Medical Expenses, Physical Therapy, Medical and Vocational Rehabilitation, Doctor Visits, Counseling, Prescriptions, Etc.

Paid Weekly Earnings for Time Off Work Longer than One Week (2/3 of Average Weekly Pay-400 Week Maximum)

Benefits for Dependents in the Case of a Wrongful Death at Work

Punitive Damages in Cases of Malicious Intent or Blatant Disregard

Compensation for Excessive Pain, Suffering, Loss of Companionship, Mental Anguish, Post Traumatic Stress Disorder, Diminished Quality of Life, Etc.

Travel Expenses (If Applicable)

There are several other types of benefits available to those injured on the job, however, they vary depending on the company’s policies, insurance coverage, the extent of injury, and much more. It is strongly encouraged to discuss your recent work injury with a licensed Indianapolis workers’ compensation lawyer for accurate case assessment and legal guidance. They retain the proper resources, experience, and knowledge to navigate your workers’ compensation claim.

In order to recover the full and fair remuneration deserved to an injured victim and their family, a personal injury lawyer is the path to take. Be sure your personal injury law firm employs attorneys with extensive trial and litigation experience in workers’ compensation cases. This will further ensure you are choosing a lawyer that can successfully navigate your claim and have a better chance of recovering for your damages and losses.

Who’s Liable for Injuries Sustained in Public Transportation Accidents?

Public transportation is a wonderful asset for thousands of Americans all across the country. Buses, trains, subways, limousines, metros, taxi cabs, and more are just a few examples of the variety we have to choose from when it comes to public transport. As customers and clients, we generally trust that these choices are safe and reliable; but sometimes unexpected accidents happen.

If someone is injured while using public transportation, who is at-fault for their damages? There can be several outcomes when determining who is liable for accidents such as these. Continue reading to understand all the possible parties that might be liable, under law, for injuries sustained to public transient customers.

Public Transportation Traffic Accidents

When it comes to public transportation, buses are one of the most popular. Tickets are inexpensive, and some buses are complementary to individuals in the community. School buses are also widely used for public school transportation. With the rising popularity of public buses, more and more are on the roads every day. As a result, the number of bus accidents continue to increase each year. According to the National Highway Traffic Safety Administration (NHTSA), more than 300 bus accidents happen every year, all of which resulting in fatalities.

Bus crashes, and other public transport cases, are complicated to litigate. Determining the at-fault party is a bus crash can be tricky because it may be more than one, or none at all. It requires the professional litigation skills and trial experience of a licensed car accident attorney to effectively pursue a bus accident injury lawsuit or claim. If you or someone you loved has recently been injured in a public transportation accident, like buses or taxis, contact a local personal injury lawyer to learn your rights.

Possible At-Fault Parties:

  • The Driver
  • Management Company
  • Other Negligent Vehicles
  • Government Entities (If Public)
  • Equipment Manufacturers
  • City Traffic Management (If Defective Light or Sign)

Common Causes:

  • Drunk Driving
  • Driving Under the Influence of Drugs
  • Defective Stop Light or Traffic Sign
  • Hazardous Weather Conditions
  • Reckless or Careless Driving
  • Poor Equipment Maintenance
  • Treacherous Roads
  • Defective Equipment
  • Obstruction of Views
  • Other Negligent Vehicles on the Road

Traffic accidents, public or not, can happen very suddenly, and usually result in serious injuries and damages to innocent bystanders and drivers. If a person is injured using public transportation as a result of another carelessness or negligence, they are entitled to legal compensation for their pain, suffering, lost wages, medical bills, and more. 

A Myth Regarding Personal Injury Protection

I often get told by my clients that they “do not want to make any claims on their own insurance policy” because “it will raise their rates.” Like many things, this is an insurance tactic meant to scare people from claiming what is rightfully theirs. Let me elaborate further.

Under Texas law, every person in the State must carry Personal Injury Protection (“PIP”) coverage on their auto insurance policy, unless you expressly sign a rejection or “opt-out” of this coverage. The State minimum requirement is $2,500, although many people carry $5,000 or $10,000 in coverage (or sometimes even more, depending on what their auto insurance carrier offers). Importantly, under the Texas Insurance Code, it is illegal for your insurance company to raise your insurance rates, drop your coverage, affect your credit, etc. for making these claims. Therefore, if you have this coverage, you always want to use it.

PIP coverage is meant to reimburse you for two things: (1) medical bills you have already incurred or (2) lost wages (although it will only cover 80% of your lost wages). Additionally, Texas allows “stacking” of insurance benefits. For example, let’s say you get into an accident and you are taken to the emergency room where you incur a $10,000.00 bill. Let’s also say that you have the standard $2,500 PIP policy through your insurance company. After you are finished treating, we send that same $10,000 bill to both the Defendant’s insurance company and to your own. We get you paid $10,000 from this insurance company plus $2,500 from your own PIP coverage for a total reimbursement of $12,500. That’s right, you get paid $12,500 for a bill that was originally $10,000.

I always tell my clients the same thing: If you pay for this coverage every month in your premium, and if your insurance company cannot raise your rates for using it, then why wouldn’t you use it? It is free money falling out of the sky. However, because it’s free money falling out of the sky, many insurance companies (and their agents) will deliberately try to convince you that you do not need it because “it cost more.” Again, this cannot be further from the truth. The cost of this coverage is literally pennies on the dollar for what you get in return should you need to use it. Further, the best part is that this coverage is no-fault, meaning you are entitled to these benefits whether you caused the accident or if someone else hit you.

For these reasons, it is a no-brainer not only to have this coverage, but also to use it once you need it.

How to Complete a Self-Health Assessment Following a Car Accident

As soon as you are involved in a car accident, the first priority is to have your health and over-all condition assessed by a professional emergency medical technician on-site or at the hospital. For less serious car accidents, it is still important to assess your own health to be sure you are not suffering from a head, spine, or neck injury. The issue with these kinds of injuries is that they can become evident or worse as time passes. So you might seem fine after a car wreck, but can then start to develop symptoms later on that point toward neck and back injuries.

There are signs and symptoms to look for, as well as, tips to learn how to identify the difference between vague soreness and tenderness of muscles, and an actual serious injury. Continue reading for a post-accident health assessment guide and information about filing a car accident injury claim for injuries and damages sustained in a serious collision.

Checking On Your Health

Once you have been involved in a car accident, whether it was your own fault or not, is to seek immediate medical attention. As a car accidents happens, authorities are usually alerted almost immediately; either by someone involved in the wreck or a bystander. Police will ask if you or your passengers need to go to the hospital if it is not obvious or evident that someone is hurt. You can make this assessment yourself, or you can simply have an EMT check you out at the scene of the accident or at the hospital.

You can choose to ride in an ambulance for a faster commute to the hospital for emergencies, but for less serious and less evident injuries, you may choose to take yourself or have a loved one drive you. In other cases, you might feel like you are not injured enough for professional medical care, and pass up the opportunity to go to the hospital altogether. Once you are familiar with how to assess your own condition after an accident, you will be able to responsibly make the choice of seeking further medical assistance, or to care for yourself.

Here are some symptoms to look for immediately after, as well as, the days following a motor vehicle accident:

  • Headaches
  • Migraines
  • Soreness or Tenderness of Neck
  • Difficulty Breathing
  • Increased Heart Rate
  • Mental Confusion
  • Pain or Tenderness in Lower Back
  • Pain in Neck or Spine
  • Difficulty Standing
  • Pain When in the Seated Position
  • Swelling of Neck, Back, or Head
  • Redness or Abrasions on Body
  • Nausea or Dizziness
  • Blurred Vision
  • Slurred Speech
  • Bleeding
  • Broken Bones
  • Immobility

Any of these symptoms could be a sign of a more serious injury or internal damage. If you are experiencing more than three of the above symptoms, it is strongly encouraged to go to the hospital or to request an EMT at the sight of an accident. Concussions are one of the most common and overlooked head injuries that results from car accidents. And the problem with this type of injury is that a person can seem fine at first, only to later suffer serious consequences and health decline as a result of a neglected head, brain, or spine injury.

Filing a Car Accident Injury Claim
Contact a licensed personal injury lawyer for information about filing a car accident injury claim against a negligent party that caused you or a loved one serious harm following a traffic accident or collision. You may be entitled to compensation.

Personal Injury Should Be Well Taken Care Of

If there is ever a situation where a person is suffering terribly from an injury, disability or in worse case scenarios, even death, mostly due to a careless negligence of an individual, in such cases, the personal injury law covers these instances and extends its hand for help.

A severe injury can cost an individual to shell out a lot of money, sometimes an amount that the individual might not even be capable of paying, if you opt for a personal injury claim in such desperate moments then you are eligible to seek some compensation for the injury you have faced and the payment gets taken care of because of the claim.

Mostly this law covers all the kinds of injury that can possibly take place, these injuries can be of any type. It can either be something that can cause a lot of harm to your body or it can make you face some kind of emotional trauma as well. It can be anything and at anytime and having a claim especially for these kinds of injuries will help you in emergencies.

Be alert and be careful of every step you take.

Let us have a look at some of the tips that can help you get this claim:

• DO NOT DELAY TO GET SOME MEDICAL ATTENTION

The first and foremost step that you need to take when you get an injury is to seek out for medical help immediately and instantly. Do not under any circumstances delay that step because the more you delay it, the more serious it can get, therefore seek out for some medical help as soon as you find yourself in such a situation.

• BE CAREFUL OF THE STATEMENTS YOU MAKE

Be absolutely confident and clear in what you say in the accident scene. Do not say anything that might make the situation much more complicated than it already is or give rise to some kind of a conflict. Be clear in what you have to say and keep it straight when asked about it. This will help in dealing with the process much quickly.

• KEEP A CHECK ON ALL THE EXPENSES

This would include all the bills in the hospital. Be it expense bills; diagnose bills, medical bills or any other tests that you might have undergone. Have a record of all the expenses because it might be asked for when you go to claim for compensation. You can also keep a record of some lost wages that you might have faced due to missing work. Keep a track of everything.