Why Hire a Agreements Lawyer Houston with a similar background to yourself: Asian, Chinese, Philippine, Vietnamese, El Salvador, Guatemalan, Canadian, German, Latino, Mexican, Spanish, Italian, Japanese, Russian, Greek, Romanian, Cuban, Korean, Indian, Hispanic, American, Foreign, Protestant, Catholic, Jewish, Hindu, Muslim, Orthodox, Mormon, or Buddhist?
If you do you will need a lawyer. The trouble is there are several thousand Attorneys out there just on the internet and the choice in finding a Agreements Lawyer Houston appropriate for your case becomes more difficult. When you are trying to find a representative there are a few guidelines you will want to follow. Below you will find out how to choose the appropriate lawyer for your needs.
When trying to find a lawyer you first must understand the case you have. Some cases are very easy to determine, for instance those who have been in an accident often have personal injury needs. Those with problems at a hospital with a medical condition will have a malpractice suit and on and on. Once you have determined the type of representative you need, finding a lawyer becomes a little easier.
You may have a general practice representative or someone you have dealt with in Agreements Lawyer Houston law. Most of us know someone who has had a attorney in the past. In this case you can ask the person for a referral. If you have a business lawyer you can ask them to recommend someone in the field of expertise you need. They will often have at least one name for you and a few to keep away from. Those who have worked with lawyers such as family or friends will also be able to give recommendations. They may say you don’t want this person or that their associate can help you. In either case you are better off to ask for a referral in finding a lawyer rather than other options.
The key to finding a representative that will help you out is knowing as much about them professionally as possible. You want to understand how many years they have practiced and what their specialty really is. Other wise you may find someone who is more out for the gain they will get rather than the gain you will get. When you deal with finding a lawyer, ask them their policies. Kind of interview them during the course of the conversation as well. Some will not charge unless the case is won, while others will charge a small fee during the entire process. It will depend on the case and of course your representative.
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In Pennsylvania car insurance laws stipulate that all drivers have to buy and keep car insurance.
Pennsylvania requires you to carry 15/30. You are not required to buy insurance to coverage property damage.
Liability coverage is obligatory as it is in most states throughout the U. S. This means if you are required to buy liability coverage. Liability coverage provides protection to the at fault driver in an accident as well as anyone injured in the accident.
You might be wondering how much coverage you actually need. Pennsylvania laws states that the minimum amount for liability coverage is $15, 000. 00 for each person involved in the accident or $30, 000. 00 total if more than one person is injured. If you can afford to increase that amount, you should do it. That way, your personal assets will be safe. If a person is seriously injured and the cost exceeds your coverage, that person has the choice of suing you for the additional cost.
For individuals who choose full coverage, your premiums will about 12% to 20% higher. However, having this coverage gives you the right to sue for any injury or damages as a result of the accident.
For those individuals who choose to carry the minimum amount of coverage, can only collect if the injuries sustained are considered serious by law. If you suffer sprains, strains, whiplash or things of that nature, you will not be compensated for your injuries.
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Negotiations with creditors have failed. Repossession is imminent and foreclosure proceedings have begun. Your income is simply not sufficient to pay your bills, no matter how low the payments are. It may be time to consider bankruptcy.
Bankruptcy law evolved as a reaction to the abuses surrounding debtors prison. Before the nineteenth century a prison system existed for those who didn't pay their bills. If a merchant filed a claim, the debtor was incarcerated until his debts were paid. (Women were not found in debtor's prison, not because of chivalry but because they did riot have the ability to borrow). The lender was legally responsible for the expenses of the prison stay, including food, but seldom paid. After all, a debtor would have to sue in order to enforce this law, and it was rather difficult to sue when in prison. As a result, many borrowers languished in prison for years, surviving on what their family could bring to them or, in many cases, simply starving to death. Although some lenders would doubtless not object to the renewal of debtor's prison, fortunately we live in more enlightened times. Bankruptcy was created to provide a second chance (or third, or fourth) to those hopelessly in debt It provides a mechanism to wipe the slate clean and begin anew. As times have changed, though, so has the bankruptcy code. Not all debts can be wiped out. The proceedings can be easily disqualified in the event of improper procedures. There are many things a debtor should know before resorting to bankruptcy.
The Bankruptcy Decision
There are two kinds of individual bankruptcy: Chapter 7 and Chapter 13. Chapter 7 bankruptcy, named for the chapter number in the bankruptcy code, requires a full liquidation of all debts and cancels all no-exempt debts. Chapter 13 bankruptcy is essentially a court-mandated payment plan that sets up affordable monthly payments to your creditors,
The decision to declare bankruptcy is not an easy one. Unfortunately, many bankruptcy attorneys recommend bankruptcy to just about anyone they consult with. All too often frightened consumers are advised to declare bankruptcy just to avoid a few debts. This is a mistake. Bankruptcy should truly be a last resort as the legal system meant it to be. A bankruptcy appears on your credit for ten years, and although lending criteria are slowly changing, many lenders will not even consider an applicant who has had a bankruptcy. What's more, a Chapter 7 bankruptcy can cost you most of your property. Before making a decision to declare bankruptcy, estimate how bad your situation really is. On a piece of paper, make a list of all your assets and the approximate value they could be sold for. On the other side, add up all of your debts. If the debts exceed the assets by a large percentage, you may wish to consider bankruptcy. On the other hand, if it seems that your situation may improve (you may get a new job or a second income), or if your assets are of greater value or close in value to your debts, a different approach may be appropriate.
Negotiate with your creditors
Explain your situation and ask for more time to pay. If the creditors refuse and continue to threaten garnishment tell them such action would force you into bankruptcy. No creditor wants to hear the "B" word. Using bankruptcy as a threat is a very powerful negotiating tool, confronting creditors with a choice between getting a little each month or probably getting nothing through bankruptcy. Don't try this tactic on secured creditors. They may decide to repossess your property to avoid having to go through court.
Contact Consumer Credit Counseling
As mentioned earlier in the book, Consumer Credit Counseling is a non-profit group funded by creditors to help consumers negotiate repayment plans. It is often able to negotiate payment arrangements better than the individual because of its constant contact with a variety of creditors. If you can't negotiate a satisfactory arrangement, give these people a try. Remember, the fact that you are using credit counseling may appear on your credit record.
Consider Chapter 13 bankruptcy
This kind of filing allows you to repay your debts in a court-mandated fashion and will appear on your credit record for only seven years, If negotiations fail or there simply isn't enough money to make ends meet Chapter 7 bankruptcy may be your only option. Bankruptcy does not necessarily discharge all debts. If your debts are exempt from bankruptcy, filing will do very little to improve your situation. If a co-signer was used, the debt would then be owed by the co-signer, unless that person also declared bankruptcy. In community property states a spouse's assets and debts would also be included in the bankruptcy, assuming they are community property. Consider all very carefully before deciding to file.
Non-Dischargable Debts - Bills You Have To Pay In Spite Of Bankruptcy
Certain kinds of debt cannot be automatically eliminated by bankruptcy filing. They must meet certain requirements before being eliminated by bankruptcy. If most of your debts are non-dischargeable, bankruptcy may not solve your financial dilemma. The only ways a non-dischargeable debt can be eliminated through bankruptcy are through an exception being granted by the court, a certain period of time transpiring since the debt was due, or because the creditor does not object to the discharging of the debt. Certain debts can only be discharged by an exception. They are:
The Filing Process
All the appropriate papers can be obtained from your local bankruptcy court. Consult the yellow pages under Government Services (usually in the beginning of the book) for an address and phone number. The court allows you fourteen days from the date of an emergency filing to complete the formal process. If Chapter 7 bankruptcy is being filed, you will need to send in the following forms after you have received them from the court:
· Statement of Financial Affairs.
· Schedule of Current Income and Current Expenditures.
· A schedule describing your debts.
· A schedule describing your property.
· A schedule listing exempt property.
· A summary of the above schedules.
· Statement of Intention in regard to your secured property and what you intend to do with it
· Statement of Executory Contracts describing contract that will need to be fulfilled, such as auto leases.
· Bankruptcy Petition cover sheet.
· Mailing addresses of all creditors.
· Any required local forms.
A fee will also be assessed, usually $90, due at the time of filing. The court will usually accept installments of a four-month period. An application for installments must accompany the petition.
After your petition is filed, a meeting of the creditors will be arranged. The court appoints a trustee to preside over the meeting and to be responsible for the liquidation of assets. With most smaller bankruptcies, only the person filing and the trustee will attend. The trustee, who is usually a local attorney, will ask several questions about the information on the bankruptcy documents. Call and ask the court clerk what papers you will need to bring (usually financial statements or sometimes even tax returns). If a lot of property is involved, especially if it is nonexempt, property, your creditors may show up to protest any exemptions. They may also attempt to grill you about your intent to pay the bill or about lying on your application. Answer truthfully and there shouldn't be a problem.
If the creditors' attorneys become abusive, demand a hearing before the bankruptcy judge before the proceeding goes any further. If the creditors object to any of your exemptions, they have 30 days after the creditor's meeting to file an objection with the court. The court will schedule a hearing and you will be given the opportunity to respond, although you don't have to. A creditor may also try to claim a debt as non-dischargeable because of fraudulent acts, a @ or malicious act, or embezzlement or theft. He can only accomplish this if he successfully raises the objection within sixty days of the creditors' meeting. To defend yourself, you or your attorney will have to file a written response and be prepared to argue your case in court.
Once all the requirements have been met and your intentions have been made clear, the court can declare the bankruptcy discharged. No formal hearing will be held unless you have chosen to reaffirm your debt in which case the judge will want to be sure that you understand what you are doing. After this time, provided the creditors do not raise any objections, the dischargeable debts are erased.
Picking Up The Pieces
Bankruptcy was once the lowest disgrace that could befall someone. Today, however, it is commonplace. Corporations declare bankruptcy to get out of contracts or avoid legal judgments. Individuals rely on it to protect them from a society that extends credit too quickly.
Bankruptcy does not mean that you will automatically be denied all credit for ten years. In fact, many firms look at bankruptcy as a responsible way of discharging debts when there is no other way out. Creditors fear bankruptcy, but they also realize that if they lend to someone who has declared bankruptcy, they need not worry about another bankruptcy for seven more years (you can only file once every seven years). If you happen to have a good explanation for the bankruptcy, such as medical bills, divorce, or some other catastrophic event, a creditor may be willing to overlook it and extend credit. Ask potential creditors about their policy toward bankruptcies. Their responses may be surprising.
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Child Custody: How Do Judges Decide Who Gets Custody of the Kids?
The employee in the case of Cairns v Visteon UK Ltd , had been employed as an administrative assistant from 1998 until the 29th of May 2005. From a point around 2001, the employee's services had been provided by an agency. The agency, M, had employed the employee under a contract of service. During May 2005, an issue arose as to whether the employee had falsified her timesheets. The employer used these timesheets to pay the employee through M.
M conducted an investigation and concluded that the employee had not been dishonest. Even so, the employer refused to continue working with the employee, and the purchase order for her services was revoked. M then attempted to relocate the employee without any success. As a result, the employee's employment was terminated by M.
The employee brought a claim before the employment tribunal alleging that she had been unfairly dismissed by the employer. The main issue for consideration by the tribunal was whether the employee's services had been provided under an employment contract. The tribunal concluded that, but for the existence of the contract of employment between the employee and M, it would have accepted the need to imply a contract between the employee and the employer.
In this case, however, it had been open to the tribunal to conclude that the conduct of the employee and the employer had been equally consistent with the employee's services being supplied to the employer
under the terms of the contract of service between the employee and M; and
the terms of the commercial contract made between M and the employer for the purchase of the employee's services.
Accordingly, it was held that the tribunal had properly considered the issue of necessity.
If you require further information please contact us at firstname.lastname@example.org or Visit http://www.rtcoopers.com/practice_employment.php
© RT COOPERS, 2007. This Briefing Note does not provide a comprehensive or complete statement of the law relating to the issues discussed nor does it constitute legal advice. It is intended only to highlight general issues. Specialist legal advice should always be sought in relation to particular circumstances.
White Collar Defendants Need a Federal Prison Consultant
If you've ever watched a crime drama, you're probably at least passingly familiar with the way a court's decision can be appealed. Whether or not you've watched courtroom dramas in the past, you may not know how the process actually works in the real world. As an American citizen, it's important to have a reasonable understanding of the way the courts work, in case you ever need to defend yourself.
The Appeals Process
The appeal process begins if one party is unhappy with the court's decision following a trial. This party can appeal to a higher court, called an appellate court, which will review the decision. So if either the defense or the prosecution feels that the first trial's decision was affected by a serious legal or procedural error, they can ask the appellate court to review the case. The decision of this higher court actually overrules the decision of the lower court, effectively replacing the previous decision.
The appellate court may also examine whether or not the evidence which was entered into the trial does, in fact, support the verdict. This is much more difficult to prove, since the appellate court usually only reviews the transcripts of the previous trial, rather than hearing new testimony. It is fairly rare for a verdict to be changed in this case, although it has been known to happen.
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Why is it important to understand some of the various Florida auto insurance laws? Well, if you live in the Sunshine State, you are well aware of the exodus of car and home insurers in recent years, due to the high number of claims resulting from hurricanes. Insurance is very important in a state where you could be hit by natural disasters, as well as other perils, at any moment. Before shopping around for car insurers, Floridians should be aware of the laws concerning car insurance in the state.
Florida Auto Insurance Requirements
Now that you are aware of the FL auto insurance laws that you need to know, you are ready to start shopping around. Use an online quote tool for the quickest, more efficient way to get quotes that you can easily compare and contrast to be sure you get the best FL car insurance deal available.
Why You Need a Wills Lawyer
Occupational noise, which is also known as industrial noise, is more than just a nuisance. It is considered to be a threat to the health and safety of employees and is considered to be so serious that there is legislation in place to protect workers from it.
Occupational noise is normally associated with industries which use heavy machinery such as construction, manufacturing and engineering, although it may also be a threat in the entertainment industry where employees are exposed to loud music as sustained exposure to any loud noise can lead to permanent damage to the hearing.
The consequences of excessive exposure to industrial noise can be both temporary and permanent deafness, tinnitus and acoustic shock syndrome. However, it is understood that both stress and high blood pressure can be caused, or worsened, by exposure to loud noises.
Professional companies loan sound measurement survey equipment and may provide training on the issues associated with occupational noise. Businesses can be forced to pay compensation to employees who suffer harm to their hearing because of their employer's negligence, so it is in everyone's interest to comply with legislation.
Can I File For Bankruptcy For Free?
Whether an Arizona employee leaves the employ of his employer voluntarily or not, Arizona law requires that a discharged employee be paid all wages due to him or her within a very clearly defined period of time. Arizona employers that fail to comply with the governing statutes face serious penalties, including the possibility of having to pay a discharged employee treble damages and attorneys' fees.
Arizona Revised Statute Section 23-353(A) applies to situations where an employee is terminated or fired by his or her employer. In such cases, the statute requires that wages be paid within three regular working days or by the end of the next regular pay period, whichever is sooner. For example, if an employee is terminated on a Monday and the next regular payday is the following Monday, the employer cannot pay the employee in the regular course, but must pay all wages owed by Thursday at the latest.
In addition, because the employment relationship is contractual in nature an employee who does bring such a suit may also recover attorneys' fees incurred in pursuing such an action pursuant to Arizona Revised Statute Section 12-341.01.
If you have not been paid wages owed to you in a timely manner, or if you are an employer who has been accused of failing to comply with one or more of these statutes, you should consult with an experienced employment attorney as soon as possible. The failure to make an appropriate claim or defense in a timely manner can be fatal to your case.