Exploit Loopholes

Many times a person believes that he was perfectly fine to drive, but this is not always the case. Whatever the matter is, a DUI lawyer is still on your side to get you out from the messed up situation. Lawyers who excel in these areas use many defenses to protect their clients and exploit loopholes that may work out in your favor. Police might have arrested you because the BAC levels and breath test have indicated that. Qualified lawyers know that these measurements are not 100% accurate and have the certainty of being wrong. This equipment might not even be correct if the equipment was not working correctly. Moreover, if the police searched your property with a proper warrant, then there is highly likely that the case would be dismissed. A DUI lawyer surely knows how to turn the case in their client's favor.

Dismiss Or Reduce Charges

Driving under the influence is not a casual offense but is a criminal one. You might face several consequences, like an ignition interlock device being installed into your vehicle, having the vehicle insurance increased, and much more. With the help of a lawyer, you can get the answers to all such questions. They provide you with legal guidance and would even accompany you to court if necessary. Their main objective would be to dismiss the charges against you or to make them reduced if the costs are too high. They play a vital role as they try their level best that you suffer less. It would be of surprise that you would face many charges and face many harsh penalties without them.

In-Depth Knowledge Of Laws

In these type of cases, you might be charged with other charges such as over speeding or reckless driving. A DUI lawyer is familiar with these types of scenarios and knows to handle them calmly and swiftly. The lawyer would have in-depth knowledge of the laws and how they can apply in the situations. There is a high chance that your lawyer would be familiar with the prosecutors and judges. Sometimes, one must show up at court, and if necessary, he would build a solid defense strategy to protect you.

If you need a lawyer, you want the best in the business. How do you find a high-class lawyer that is so respected in their field that can give you the legal guidance and support you need to win your case?

Before we discuss that, it is essential to know what defines a high-class lawyer.

What Should a High-Class Lawyer Have?

Many qualities define a lawyer, but few define a lawyer at the top of their field. When it comes to finding the best of the best, make sure you look for these qualities:

• Experience in their respective field
• A history of success in assisting their clients
• Their manner, approach and supportive nature
• They work for a legal firm or run their own establishment
• Have a high-quality and qualified team around them to support their work

With this firm foundation, now you can begin searching for a high-class lawyer:

Search Online

The internet is your saviour when it comes to finding a high-class lawyer that can help you with your case. Google will provide you with a list of the best lawyers within your city, region or area. It will also provide you with reviews about the lawyers through their Google My Business profiles.

But significantly, you can do your own research. Check out sites like Facebook, Better Business Bureau and Legal Associations to see the lawyers' reputation and quality. You should also conduct news searches to see if they have come up in the media and whether the news is good or bad.

Ask Legal Association

Every state or province has a legal association that lawyers have to compile with and follow in terms of ethics and regulations. There are also federal associations that oversee the whole process. These are good starting points to where you can find a high-class lawyer.

Legal associations have vital information about all lawyers within their respective fields, such as family lawyers (who help with divorce and child custody), criminal defence lawyers (https://www.dunlapcriminaldefencelawyer.com/), civil lawyers and commercial lawyers.

Depending on what you want, speak to the legal associations, and ask them for a list of the best lawyers in their respective fields.

Go To Legal Aid

For many people, lawyers can be expensive. So they might require additional support when it comes to finding aid. That's where Legal Aid comes in.

There is also the assumption that Legal Aid means getting handed lawyers that aren't up to standards and are considered the barrel's bottom - far from it.

Legal Aid will provide you with information on where you can reach lawyers that can help you with your case, and ensure they are the top people for the job.

Ask Family, Friends & Colleagues

It's a sad reality, but there are people that you might know that have used a lawyer at some point. Whether it's for a divorce (the most common), family, civil or criminal, there will be someone in your inner circle, and even on the edges of the outer circle, that has used a lawyer in the past.

So why not ask them?

You'll be getting a reference from a reliable source (someone you trust), and you can gauge if the lawyer is indeed up your alleyway in terms of service, value and money. Ask around to people who know about any lawyers that can assist you with your case.

Filing for bankruptcy in Pasadena is not as scary as most people think. With the proper guidance and experienced counsel, the process is simple and outcome even easier than you could have imagined. 

If you are in Pasadena or one of its surrounding cities, Huprich Vega would be the best team to guide you through this unforeseen circumstance. 

There is no question too hard to answer, and we will help you EVERY...STEP...OF THE WAY.

If you could quickly and easily get rid of your stress from debt, would you? Bankruptcy can give you that fresh start you never knew you needed. 

Huprich Vega can offer you a better understanding of how to navigate your debts and close off a past that you have slowly become burdened by. They can help build a positive future for you and your family so you are better prepared for what life has to throw at you. Starting over isn’t always easy, but they can make it easy for you!

What types of bankruptcy does Huprich Vega handle?

The attorneys at Huprich Vega have years of experience working with Chapter 7 and Chapter 13 bankruptcy cases. 

Chapter 7 bankruptcy is ideal for those who want to get out of debt as quickly as possible. For example, I although you may have to give back your car if you can no longer afford the payments, in some cases, they may be "no-asset cases,” and no possessions are taken back or sold.

On the other hand, Chapter 13 bankruptcy is ideal for those who still have an income and don't want to risk losing assets. In this case, you will need to restructure your finances and develop a payment plan that will allow you to pay off your debts over several years. 

To find out which type of bankruptcy is best for your situation, talk to an experienced bankruptcy attorney today!

Every case is unique yet every case can be handled. 

Huprich Vega can execute a plan that suits your financial income without having you worry about paying your other bills on time. Customizing each case to ensure the best outcome that there possibly can be. Utilizing our skills to capacity!

Filing for bankruptcy can possibly be the best thing to ever happen to you! 

Why is Bankruptcy the Next Pandemic?

With the influx of many people not sure with how their finances will look like in a year, it’s not hard to lose track of time or be prepared for what’s next. With a world-wide economic shutdown, credit tightening and debt rising, bankruptcy will be the only solution for many.

Whether it be the pandemic we are currently facing, or a new economic disaster, Huprich Vega will make sure that you have one less thing to worry about moving forward.

Being a Pasadena native, Huprich has served its city and its surrounding areas with 100% integrity. No matter how much trouble financially you could possibly be in, there is no wrong question that you can ask! Our firm is here to help you in every way we can and will fight to make sure you sleep better at night. 

Call Huprich Vega today for a free consultation!

Need Attorney Legal Leads? Click here to find out how we can help you.

Experience

Without any doubt, the experience is the one thing that distinguishes a person from others in a certain service industry. Experience has great value as far as law cases are considered and they shall never be underestimated. When you are about to hire an accident lawyer, it is recommended that one shall definitely opt for the ones that are more experienced and have spent time in that field. This will help you in lots of ways that you could ever imagine. It will save you time and you won't need to explain things for hours even after your worst experience. Moreover, he will surely know what you exactly want and won't waste further time on it. Experienced bus accident lawyers make a much more significant impact as compared to inexperienced ones.

Reputation

Besides experience, reputation plays a vital role in choosing the right and experienced accident lawyer. It is very important that the lawyer that you are working with has a good and respectful reputation in the market. Before hiring and finalizing, one should definitely look for his reputation in the concerned market to get the basic idea of him. This plays a significant role in reflecting his image and telling whether his customers are satisfied or not. A bad reputation would only highlight that he couldn't satisfy his previous customers and one should not opt for him.

Personality

Personality plays a huge role in judging any person, especially when dealing with accident lawyers. It impacts and reflects who they really are without even describing themselves. Many people overlook this attribute but a smart person never does it. Many people only go through their work and experience but they don't observe their personality. The personality of a bus accident lawyer should be rough and tough. Not many agree on this but it somehow makes the decision more on your side as they manage to impress the person in charge too.

Focus

Being a lawyer is not a piece of cake, it takes a great mind that is focused on work all the time. It is suggested that one should definitely opt for a person who tends to be more focused on the work rather than other things. Many lawyers tend to become more focused and interested in your personal life rather than your actual case. This is one of the key points that reflect their non-professional behavior which indicates that they should not be hired at all.

Willingness

Many things trial can’t hand. The practical ways of settling for non-compensations may come from how much the injury attorney is willing to look for your case. The trail may exceed the normal expectations and sometimes may not be the best of options. The attorney may face undue pressure by the insurance companies which may compel the lawyers to lower their bars.

Cost

Most of the good attorneys will be very straight forward about what they charged. The payment can be in installments or you may want to have the things negotiated in your own ways if possible. At times most of them will want to have the payment once with all. The taxation may increase your chances of getting things quickly but in a few cases, it might increase the charges of the other party.

Checking experience

There will be things that will need a greater assessment and claim. The underestimation needs to be tackled with great force and can create better insights about future products. The preparation may need not to be in line with how great of a deal the compensation may be of. The handling of things might affect how your lawyer may assess your case. Hence this is one of the greatest factors.

Getting complied by references

Hiring the right kind of personal injury lawyers has its own set of benefits. They will be the ones responsible to look after the compensation part. In some parts, the help sought from them might not be easy and can incur personal losses. The process may get a little too demanding for people who are looking for a better grip on their lifestyle this is why the references may mean a lot.

Considering reputation

There is so much of a role the reputation plays which deals with the definition and formation of the practices. The previous dealings might not be good enough to earn it a good name. This also affects how much the insurance companies might work or invest in it. The handling of such cases may not be the best position which may speak of the lawyer’s reputation. The value with which the perspective may handle may come from how much they add value to the compensation on the client’s side.

Why you may need services of a car accident lawyer

After you get injured in an auto accident, claiming compensation becomes a prerequisite. However, insurance companies may not always play fair when it comes to reimbursement. In some cases, the other party involved in the accident also plays truant.

A veteran car accident lawyer can be handy in such situations. He/she may be of use to you when:

• The insurance company tries legal loopholes to deny the claim altogether.
• The insurance firm wants to settle the claim by paying you a paltry amount.
• You find the insurance company is delaying in clearing the payment.
• The other person/party involved tries to manipulate things using political influence or wealth.
• You feel the evidence is being tampered with.
•  

Zeroing in on the apt car accident attorney

Nowadays, you can hire experienced lawyers specializing in vehicle accident cases. Their intervention and aid will help get duly reimbursed. However, you have to know how to assess and pick the right lawyer.

• Finding a lawyer- You may not have used any such lawyer so far, but that should not act as a deterrent in finding one when the need arises. Using web search is the best option, and you can search region-wise too. Using references from your colleagues or friends can be handy at times.

• Assessing expertise- You must learn about the track record of such a lawyer. These lawyers may work with law firms, or they can also operate independently. What you need to analyze is the success rate of the lawyer in handling such cases. It is easy to find details on these in websites of these lawyers or law firms they work in.
• Response type- The professional automobile accident lawyers revert to client queries fast. They usually will offer you a consultation session, and that will not cost you anything. After undergoing the meeting, you can make up your mind.
• Charges- The veteran lawyers handling vehicle accident cases are usually transparent about their fees. Some of them may ask you for a percentage of the settlement paid by the insurance company. They may opt for a service contract too.

What you need to do

After you zero in on a lawyer to fight your accident settlement case, you have to aid him/her in the best way.

Information and evidence- The lawyer will fight the case based on data and evidence obtained. While he/she will try to gather evidence, you also need to provide whatever information you have. So, offer the lawyer necessary documents like an automobile insurance policy, hospital bills related to the mishap, medical insurance policy, police report copy, etc.

Having realistic expectations- Not all such cases get settled fast, as it is. It would help if you had a realistic expectation about claim settlement.

Taking lawyer’s advice- The lawyer will guide you on tricky issues like ways to deal with the investigators during the case or methods to respond to intimidation tactics by the other party etc. Adhere to his/her advice in such situations.

1. Give preference to the local attorneys.

Yes, you need the best lawyer for your case to make sure you win. You may look for the best possible options from other states too. But it makes sense to hire a local attorney. as he /she is well aware of all the transportation rules of your state. In addition, the he/she knows the reality of the ins and outs of the courtroom.

2. Research on the background of the attorney

In accident cases, you need to face the insurance company’s well-trained lawyers. Such lawyers are skilled enough to convince you and your lawyer for the low settlement amount. If your lawyer has performed some inappropriate activity previously, then the defence lawyer will use them against your lawyer. Therefore, you need to research the background of the lawyer before hiring.

3. Look for referrals

You can also find a good lawyer for your case by asking for referrals from your friends, family, colleagues. You can get honest and unbiased feedback of the lawyer from your contacts which will help you to make a better decision. You can also do this by getting in touch with the bar association to provide you with the information of all the licensed attorneys available in your area.

4. Learn the expertise area of the lawyer

To improve the chances of your winning the case, you need to make sure the lawyer you are hiring is practicing specifically on car accident cases or not? If not, then you may need to reconsider your decision. Nowadays, laws are much complicated, and it is challenging for a lawyer to have expertise in different areas.

5. The attorney should have an idea of how the defendant’s lawyer thinks.

For winning the case, the lawyer should have an understanding of what the defendant’s lawyer is thinking. Then only the lawyer can suggest the best strategy for your situation. Your lawyer should be proactive. Insurance company lawyers always look for ways to convince you of a low claim. Your lawyer must be able to eliminate issues before the insurance company’s lawyer raises it.

Once you shortlist the names, schedule a meeting with the lawyer. Maintaining excellent communication with your lawyer is very important. Therefore, make sure the lawyer is honest with you and can answer all your questions. The legal process of accidents can be time-consuming. The lawyer you are hiring should be available when required. Winning the case depends on several factors but most important among all is the best representative for the case. Do not take any risk, research thoroughly, and hire the best one.

Knowing the financial services

The flats service and the fee may not be fixed on an hourly basis. The charging of the flat fee and the agreement may have the attorney and the basic fee which works based on immigration. The use of labor and attorney may not be basic and there needs to be fully functional awareness of the legal fees. The outset will move you backward initially. There are so many things that will have the basic fluctuation and the factors of certification may outset.

Is there any difference between cost and fees?

Some coverings will be long distanced charged. The service of the long distances will be photocopying. The charging of the belts and the comparison of the attorney will get. The compelling expenditure of the petition may have determination. The cost means it covers the basic utilities of the filing and the other services will come under it. Furthermore, photocopying, expressing mail, and other things have the same effect as that of the cost. Fees on the other hand refer to other things.

Market fees

There is not much to figure out the instances of the payments. The case of the difficulty of making the right payments can be a big out blow. You must keep in mind about what is going on in the competitive market so no one can make the fool out of you. There are significant petitions that come out and in most of the cases the government keeps their own fees. You must watch out the latest trends and try to save upon them.

The amount for the certificate

If you set out to hire the best possible, lawyer in town with the right certification then the representative body will be agreeing to the petition. The consultation might vary and you will be expected to give a varying fee. The more experienced a lawyer is the greater will he charge for his immigration consultancy. This however might require you to learn from the reasonable expectation. This quoted with backgrounds shall have no knowledge from your side.

When the gavel comes down and the judge has ordered child support, much like any other order from a judge, failure to abide by the order can put you in jail.  Even more so, failure to pay the ordered amount can land you in jail as well.

One of two instances usually occur.  This is how it generally happens….

1 - The co-parent

The parent who receives child support may file a petition stating that they have not received child support and request the court hold the child support payor in contempt.  Meaning, the person obligated to pay child support would likely be held in contempt and may end up in jail for failure to pay.  Even more, the child support payor may remain in jail until the balance or a determined portion is paid. This is called “the purge,” and is discussed further down in the reading. The co-parent seeking the petition must prove that they are “innocent.”  This is the “rule to show cause,” where the co-parent must prove they have been acting in accordance with any orders and not prohibiting the payment of child support in any fashion.

2 - The County Attorney

The county may seek a petition on behalf of the co-parent.  This is especially true if the child is receiving any form of aid from the state, such as KidCare.  KidCare is a state provided health care plan for children in the state of Illinois.  In essence, the Cook County State Attorney can request that you be put in jail for failure to pay child support.

Either way, whether it’s the co-parent or the State, failure to pay child support can land someone in jail.  Once a petition is filed a court date is set and the parent obligated to pay child support must prove that they have not violated the court order to pay child support.  If the co-parent can not show that they have not violated a court order they will likely be found to be in contempt.

Being Held In Contempt

When the rule is issued after a prima facie showing that the order was violated the alleged violator, the co-parent who failed to pay child support, must prepare for a hearing on the petition for rule to show cause. Prima facie simply means that there is proof a missed or missing payments.    

The non-paying co-parent must show that their failure to pay was not “willful or contumasciously.”  This simply means that the failure to pay was not done on purpose.

For example, proving that you could not pay the child support because you were out of work and not able to find work is enough to keep you from being held in contempt of court for not paying child support.

If you find yourself not able to pay the entire amount per the court order, an attempt to pay something will look better for you.  It shows that you are willing and not trying to abide by the court’s orders. For example, if you owe $ 500 and you paid $ 100, it looks like you are not simply refusing to pay child support.

On the other side of the coin, if a judge finds that you willfully and contumasciously violated the child support order you will be held in contempt of court.

Contempt of Court

“Every finding or adjudication of contempt shall be by written order and shall contain specific findings of fact. In cases involving child support arrears, the order shall state the precise amount of any arrearage found to be due and owing. Upon every finding of contempt that results in incarceration, a form order of commitment provided by the court shall be used.” Cook County Court Rule 13.8(a)(vi)

While you are held in contempt, and likely in jail, the Chicago court will assess exactly how much the arrearage is.  This is a determination of how much child support is owed from the missed payments.  In an attempt to show that a co-parent is not trying to willfully neglect the court order, the co-parent may ask for an accounting review from the Illinois Division of Child Support Services.  The co-parent would need to admit to owing money, but they simply need clarification on how much.  A review usually takes at least 90 days so this gives the co-parent time to catch up and avoid getting into more trouble.

Once you are held in contempt of court, you are stuck in a state of contempt until you have “purged” the contempt.  Purge means you must do something to remedy the problem.  This means either pay the balance of what is due (the amount of money needed to catch up).  While the court may order that 20% of what is owed be paid for the contempt order to be lifted, the amount due is generally left up to the judge. 

Don’t or Can’t Pay the amount owed?

You’re going to jail until you pay the purge, and will remain there until you can show the judge you are paying or have a way to pay the purge.  Once in jail, you will have regular court visits for the judge to assess your progress on payment

If you’re not in court for the Cook County Sheriff to take you into custody, the court will issue a “body attachment” which is essentially a warrant for your arrest instructing the Cook County Sheriff to go looking for you and take you into custody.

Again, judges often have a change of heart if you pay at least some of the purge.  A payment is better than no payment at all.  For example, if the amount owed is $2,000 and you come to court with $ 1000, a judge is likely give you more time to pay the balance.  Always make it a point to bring money with you to your court hearing to show that you are willing to pay.

The Cook County Sheriff Can’t Arrest Me If I’m Not in Cook County, Right?

If a body attachment has been issued to the Cook County Sheriff for your arrest, the Cook County Sheriff is responsible for taking you into custody.  Evading an arrest warrant will not favor too kindly for you.  Even more so, the Cook County Sheriff will simply ask the county you’re in to take you into custody.

Additionally, body attachments are enforced by States outside of Illinois as all states have adopted the Uniform Interstate Family Support Act.  You may be arrested pursuant to the warrant in any state.  Even more so, if there is a balance over $2,000, you run the risk of your passport being revoked prohibiting you from traveling in and out of the country.

Is Not Paying Child Support A Crime In Illinois?

While 99% of non-payment of child support cases are resolved in the civil divorce courts via the petition for rule to show cause, failure to pay child support is a crime in Illinois.

“A person commits the offense of failure to support when he or she:

willfully, without any lawful excuse, refuses to provide for the support or maintenance of his or her spouse, with the knowledge that the spouse is in need of such support or maintenance, or, without lawful excuse, deserts or willfully refuses to provide for the support or maintenance of his or her child or children in need of support or maintenance and the person has the ability to provide the support…A person convicted of a first offense under subdivision (a)(1) or (a)(2) is guilty of a Class A misdemeanor. “ 750 ILCS 16/15”

This is real and it happens.  This has never happened to one of my clients, but it is a real possibility. The point is try and avoid this from happening at all costs.  Hiring an attorney can help.

Not Paying Child Support Is A Federal Misdemeanor And/Or Felony

If you live in one state and the child lives in another, the federal government can get involved and they are even more strict than Illinois.

A parent is subject to federal prosecution if he or she willfully fails to pay child support that has been ordered by a court for a child who lives in another state, if the child support payment is past due for longer than 1 year or exceeds the amount of $5,000. A violation of this law is a criminal misdemeanor, and convicted offender face fines and up to 6 months in prison (See 18 U.S.C. § 228(a)(1)).

If the child support payment is overdue for more than 2 years or the amount is in excess of $10,000 it is a federal criminal felony, and convicted offenders face fines and up to 2 years in prison (See 18 U.S.C.§ 228(a)(3)).

How Do I Avoid Going To Jail For Failure To Pay Child Support?

The easiest way to not be in violation of an order is to simply change the order.  If a co-parent finds themselves unable to pay, they can file for a motion for modification of child support.

Child support is based off of both parents’ incomes and the needs of the child(ren). So, if there has been any change in either parents’ income or in the needs of the child(ren) then a substantial change of circumstances has occurred.

A motion to modify child support is favored in an Illinois courts because it shows that the co-parent is being proactive instead of building up a massive child support arrearage which will have to be dealt with later.  Jail is not the answer – for anyone.  For you, the co-parent or the child.  Requesting a change is the best and easiest way to keep the peace and avoid jail.

Other Penalties for Nonpayment of Child Support Besides Jail

“Deadbeats most wanted list.
(a) The Director may disclose a “deadbeats most wanted list” of individuals who are in arrears in their child support obligations under an Illinois court order” 305 ILCS 5/12-12.1

No one wants to be on the internet or in the paper for anything negative.  However, the State of Illinois will publish your name as a “deadbeat parent” on their website. They’ll even include a photo of you. This will definitely come up in any google search of your name.  No one wants this.  It will likely have lasting ripple effects, namely for employment.

In addition, the Secretary of Illinois can suspend a driver’s license if they receive a report that a parent is more than 90 days delinquent. In this situation, the solution is to just admit to the arrearage and put the arrearage amount on a payment plan. The Secretary of state perceives this as being current for the purposes of reinstating a driver’s license.

To learn more about child support enforcement contact my Chicago, Illinois law firm today to speak to an experienced Illinois family law attorney.

Because there are more Uber and Lyfts on the road, have you ever wondered what could happen if you become injured in an Uber or Lyft accident? You might be walking across the street or waiting in traffic – what if a rideshare hits you or your vehicle? What happens if you have to initiate a lawsuit?

Here are some explanations of Uber's insurance coverage periods:

Uber and Lyft drivers should have a commercial car insurance policy or a rideshare-friendly policy for their personal car insurance. These are insurances that cover drivers while they are working.

It should be known that Uber's insurance does not cover drivers when the app is closed on their phones. When the Uber app is closed, or if there is any question of coverage, these are times when a driver will need to have their own personal auto policy.

Uber's insurance coverage applies under certain circumstances when the app is open; otherwise, the driver's rideshare-friendly policy should apply.

According to insurers, there are three different insurance coverage periods:

Period 1: This period is when the driver is waiting to be matched with a rider, and the Uber app is open. This period is ambiguous as it related to liability.

Period 2: This is the time when the driver is matched up with a rider, and they are driving to that area to pick them up.

Period 3: The rider is safely in the car. This time period ends when the rider has exited the vehicle.

The reality is that the more drivers are out on the road offering rideshares, the more chances there are for an accident to occur. It is essential to know which insurance company will be covering the liability.

Uber Insurance Coverage

While Uber offers insurance liability coverage to its drivers, this coverage will vary depending upon if the driver has a rider in the vehicle. It can be questionable as to whether Uber covers collision and comprehensive. The driver's injuries are not covered unless the accident is the fault of another driver. Uber and Lyft do require that their drivers carry their own insurance.

Period 1 insurance coverage under Uber has low liability limits without collision or comprehensive coverage. They cover $50,000 in bodily injury liability coverage per person, $100,000 in bodily injury liability per accident, and $30,000 in property damage liability per accident. There is also $200,000 in additional liability coverage per accident.

Uber provides liability coverage equivalent to contingent or required coverage in most states. There are different requirements for Maine and California. The driver will need to file a claim with their own insurance first, and if the claim is denied, then Uber's insurance will take over.

Uber does not provide any collision or comprehensive insurance, so drivers will need this coverage on their personal policy to repair their vehicle if it has been in an accident. It's wise to have this insurance so that drivers can get their car repaired regardless of who is at fault for the accident.

Uber also does not provide any kind of uninsured motorist coverage. Uninsured motorist coverage should be selected on the driver's personal car insurance policy just in case the driver is injured by another driver on the road who does not have insurance.

For periods 2 and 3, liability is covered by Uber under their $1 million policy. They also offer contingent collision and comprehensive insurance. If the driver's insurance company denies the accident claim, Uber's insurance should apply, and the policy carries a $1,000 deductible, which needs to be met before the payment will be made. They also include the uninsured motorist coverage under the $1 million policy.

Rideshare drivers should consider having liability, collision and comprehensive, uninsured motorist, gap coverage, and medical payments with their personal insurance policies to protect them fully in situations where Uber's insurance may not apply.

Liability insurance is required throughout every state and is in place to cover injuries to others and property damage. Collision and comprehensive pay to repair or replace the driver's vehicle if it has been damaged or totaled in an accident. Uninsured motorist coverage will help if the other driver is at fault for the accident, and they are uninsured or underinsured.

Gap coverage will cover the difference from the amount you owe on your vehicle if it is financed and the amount the insurance company pays if the car is totaled. Medical payments will cover medical expenses due to a car accident. This coverage is good to have if the driver does not have health insurance coverage.

Rideshare drivers should make it a priority to have the best personal car insurance policies to protect their riders, themselves, and the investment they have made in their vehicles. This will allow them to continue working safely and confidently. 

The process of Medicare appeals can vary depending on the coverage type denied. For example, Original Medicare appeals are different than Medicare Advantage appeals or Part D appeals. However, your Medicare plan is required to inform you about how to file an appeal in writing, so you won’t have to guess how the process works.

Regardless of the type of appeal or which coverage type you have, before filing your appeal, make sure you have all the necessary documents to plead your case. This may include doctor’s notes, supplier information, and medical bills.

Appealing Original Medicare decisions

Original Medicare is your Part A and Part B coverage. If you have a Medicare supplement plan or just Part A and Part B alone, you will submit appeals in the following way for Part A and Part B services.

Each quarter, Medicare will send you a Medicare Summary Notice. This notice isn’t a bill, but instead a list of services that were submitted to Medicare on your behalf within those three months. The notice also includes what Medicare paid as well as the amount you are responsible for.

If you see a service on your Medicare Summary Notice that Medicare didn’t cover that you believe should have been covered, you can file an appeal. An appeal for Original Medicare must be submitted within 120 days from the date marked on your Medicare Summary Notice. The first of potentially five levels of the appeal process is the Medicare Redetermination Request Form (CMS Form 20027). Most people only go through one to two levels of the appeal process. People rarely move onto the higher, court-level stages.

Along with this form, send any relevant documents that might help your case, as well as a written letter explaining why you think the service(s) should be covered. The address you send this information to can be found on your Medicare Summary Notice in the appeals section. You should receive a Medicare Redetermination Notice within 60 days of the date Medicare receives your appeal.

Appealing Medicare Advantage plan decisions

Medicare Advantage plans take over Original Medicare’s responsibility in coverage decisions. If you have a Medicare Advantage plan and a service is denied, that decision was solely made by your plan, not Original Medicare. Therefore, your appeal must be filed through your plan, not Medicare.

Your Medicare Advantage plan should send you some form of denial. Once you receive that notice, you will have 60 days to submit your appeal request to your plan. While each plan may have its own process for appeals, generally, you can submit a written request that includes your personal information, such as your Medicare ID number, the services or items you wish to appeal, and relative documentation to help your case. Depending on the urgency of your request, your plan may have anywhere from 72 hours to 60 days to respond.

Appealing Medicare Part D decisions

Like appealing Medicare Advantage plan decisions, Part D appeals will be handled through your Part D plan, not Medicare. A common Part D appeal is a formulary exception. When you file a formulary exception, you are requesting your Part D plan to cover a specific drug that isn’t on the formulary.

Technically, you can file this request before or after you pay for your prescription. However, filing the appeal beforehand can save you time and money if your request is approved. Whether you’re filing an exception or appealing a coverage determination, you will need to submit a Model Coverage Determination Request form to your plan as well as a letter pleading your case.

However, if you are filing an exception, you will also need to include written documentation from your doctor explaining why this non-covered drug is medically needed and why a covered drug isn’t a viable option. Depending on if you’ve purchased the drug yet or not, your plan may have 24 hours to 14 days to provide you with a decision.

Conclusion

As you can tell, appeals can be tricky, and it very much depends on the type of coverage you have. But the important thing to remember is that the people who make the decisions on your appeals are real, live humans with feelings. Sometimes, being kind and patient gets you better results than being angry or rude.

Danielle K. Roberts is a Medicare insurance expert and co-founder at Boomer Benefits, where her team of experts help baby boomers with their Medicare decisions nationwide.

Therefore, one of the most important actions an injured party can execute is to choose the right personal injury attorney. We invite you to read the following brief blog providing an overview of the personal injury process and attributes to look for when retaining the services of a personal injury attorney.

Personal Injury Law Overview

Personal injury lawsuits comprise a form of civil litigation in which injured parties, which in legal terms are categorized as plaintiffs, seek compensation from individuals or entities they believe committed some form of negligence or malfeasance that led to the incident in question and subsequently contributed to their injuries.

Specific Types Of Personal Injury Cases

There are many types of personal injury cases that occur on a relatively regular basis including but certainly not limited to:

Workplace Accidents

Individuals injured on the job due to perceived dangerous or negligent conditions created by the employer.

Premises Liability

Persons injured inside a residential or commercial location because of hazardous conditions.

Wrongful Death

Common types of this personal injury category include a surgeon committing a perceived error during a medical procedure, the administration of too much or too little medication or some malfeasant act by any type of entity that precipitated someone's untimely demise.

Automobile Accidents

The negligent or malfeasant actions of a motorist leads to an accident that causes the plaintiff injuries.

Product Liability

The designers, manufacturers or sellers of a product readily available for public consumption fail to detect a flaw within a said item that precipitates injuries.

Proving A Personal Injury Claim

All personal injury cases are predicated on you and your attorney's ability to demonstrate that the accused party or parties bared a certain degree, if not all the blame for the precipitating incident. To accomplish this task, your attorney must clearly prove several specific legal tenets including that a negligent or malfeasant act occurred, said incident lead to the incident in question, the accident was directly attributable to the plaintiff's injuries and the damages sought correlate to those injuries and no other physical, mental or biological condition.

Identifying The Right Personal Injury Lawyer

Proving these theories is a significant challenge. Ergo, hiring the right personal injury lawyer is paramount if you have designs on being awarded compensation from an adjudicating body or settling out of court. Industry professionals urge you to consider the following factors by executing such an important decision:

Personal Referrals

When formulating your short list of potential candidates, choosing legal professionals with a long list of satisfied clients should be an important consideration. It is also advisable to pay attention to referrals given by other attorneys. Achieving respect amongst former clients is important. However, respect displayed by colleagues often carries even greater weight.

Experience Handling Your Specific Case

Your specific case category is also crucial when considering personal injury lawyers. For example, if you are initiating a premises liability suit, you are advised to work in tandem with an attorney who has significant experience handling such cases and yielding favorable results in such proceedings.

Flexible Payment Options

Legal fees can be expensive over time. This is particularly true if the case is complicated or has the potential to be argued over many months or possibly years. Some personal injury lawyers agree to not collect payment unless you are awarded compensation. However, this is not always the case. Ergo, the legal professional in question should display a certain degree of flexibility when discussing their compensation.

Ability To Communicate

There are several issues you should pay attention to when assessing a prospective lawyer's communication abilities. First, can the said professional make complex subjects more understandable? Many legal proceedings contain jargon that someone not employed in the legal profession might not understand. That said, a reputable lawyer will break down such concepts so you can understand both what is taking place and the reasons such events are occurring.

Furthermore, most successful attorneys will have a clear and open line of communication with their clients. For example, if you call, they will respond in a timely fashion. Moreover, said professionals will always be honest and upfront.

Comfort Level

Arguably, the most important factor to consider is your personal comfort level. It must be reiterated that you will be placing complete trust in said professional to yield a result that could make or break your future. At the very least, the attorney whose services you retain should be someone you feel completely comfortable working with.

DUI

Being arrested for a DUI happens to people that do not feel like they are impaired on a regular basis. Having a BAC of anything can lead to a DUI in some states if the officer on scene believes you are impaired. There are experts on the subject that can be called to the scene to affirm that you are drunk or high. Blowing into the breathalyzer is a great option if you have not been drinking at all that day. Otherwise it can be a risk as your results often times are the best piece of proof to convict for a DUI. Do not speak besides answering basic questions as anything else can be incriminating.

Drug Possession

Drug possession can be a sign of dependence on narcotics as well as other substance abuse-related issues. Judges can be sympathetic in certain cases if you find a program to help curb your reliance on drugs or alcohol. The right attorney will help you find these programs where if completed the charges will be completely dropped. For those that repeatedly have been arrested it is important to get a great attorney as this can help you immensely when you get to the sentencing stage. The attorney could discuss with the prosecutor to give you a deal so you do not have to risk trial.

Assault Due to Self-Defense

Understanding the laws in your state is imperative as in some states you can be arrested for mutual combat. In other states you can stand your ground and fight someone that you feel is putting you or your family in danger. The comprehension of these laws is something that is important as you do not want to admit to anything. Self-defense can be a claim and witnesses could back this up. In other cases, friends of the person you engaged in a fight with could blame you for the altercation. Call for a criminal defense attorney like those at Dattanlaw.com as this situation could get out of control without a legal pro.

Theft

Theft can be nearly impossible to prove in some cases without video evidence or the suspect having possession of an item. Dealing in stolen property is a common charge for those that frequently buy/sell stolen items for profit. Retail theft can be tricky as many stores cannot legally hold you in the store until the police arrive. Offering to pay for the item due to your mistake can help in some situations, but not in all. Honest mistakes do happen so if you didn’t scan something at the self-checkout that was in the bottom of your cart, you might get a free pass.

As you can see it is important to know your rights and understand you do not have to answer questions police are asking you. Being arrested is one thing but providing evidence or reasonable doubt of being guilty is far worse!

How Common are Accidental Injuries?

Accidental injuries affect unsuspecting victims every day. According to the Centers for Disease Control and Prevention, there are 39.5 million accidental injuries leading to doctor's visits each year and 29.2 million that lead to emergency department visits.

What Accidents Lead to Personal Injury Claims?

Virtually any type of accident can lead to a personal injury claim. Victims are typically entitled to compensation when their accident is the result of the negligence of another person. Negligence is the legal term for a person failing to use the degree of care that would ordinarily be used by a reasonable person in the same or similar circumstances. Some of the more common accidents that lead to personal injury claims include:

What Should You do after Sustaining an Injury?

It is extremely important for accident victims to take steps to protect their rights after an injury caused by the negligence of someone else. Some of the most important include:

• Call 911 as soon as you can
• Seek medical treatment, even if you do not think you are seriously injured
• Document the accident and your injuries with photos and notes
• Follow all treatment orders
• Call an experienced personal injury lawyer as soon as possible

What Damages are Available?

Under state law, you can recover for both your economic and non-economic accident-related losses. Some of the most common losses sought in personal injury claims include:

• Medical expenses
• Future medical costs for ongoing treatment
• Lost income
• Future lost earnings
• Physical and emotional pain and suffering
• Permanent disabilities
• Permanent disfigurement

As an accident victim, it’s important to be aware of the fact that the insurance company is actively trying to minimize the amount it pays out. For this reason, it’s critical to document all of your losses and retain a personal injury lawyer familiar with representing accident victims.

How Much is Your Claim Worth?

If you have recently suffered injuries in an accident, it’s only natural that you want to know how much compensation you will likely receive. There are many factors that will determine the value of your claim. Some of the most important include:

• The severity of your injuries
• The extent of your medical treatment and bills
• Whether you missed work
• Whether you can return to your previous employment
• The extent of the pain you experienced
• Whether your injuries prevented you from engaging in certain activities
• Your emotional and psychological injuries
• Whether you will suffer long-term impairments or disabilities
• Whether the at-fault party’s conduct was particularly egregious

What is the Personal Injury Process?

The process of obtaining compensation can be complicated, and it's in your best interest to retain a personal injury attorney as soon as you can. Some of the steps involved in obtaining compensation include meeting with a lawyer, calculating your losses, filing an insurance claim, attempting to negotiate a settlement, filing a lawsuit in the appropriate court, and conducting a trial. 

The average number of car accidents in the U.S. every year is six million. If you think it cannot happen to you, then you simply are not being cautious enough. Car accidents happen when you least expect them, as with many misfortunes. Take note of these pointers now so you can be more prepared when and if you ever get into an accident.

First, Take Care of Injuries and Damages

Never leave the scene of an accident. The first thing you need to do is to stay calm and make sure no one was hurt, regardless of who was at fault. If someone was injured, you need to call 911 immediately to get them medical attention. Never try to move a person who has been injured, unless their life is in immediate danger. Otherwise, you could make their injuries worse.

Three million people in the U.S. are injured every year in car accidents.

If any vehicles involved in the accident suffered severe damage, you should call the police. Do not try to move the damaged vehicles. The police will need to file an accident report, which will be required by your insurance company. The police report will also serve as the official report of the accident and the events that occurred directly after the accident. Typically, people involved in an accident who try to convince you not to call the police could be trying to hide something, such as the fact that they do not have car insurance.

Next, Stay Calm and Keep a Clear Head

Never engage in a dispute or shouting match, and do not admit fault to anyone. Whether you are at fault or the other party is at fault, you need to stay calm and keep a clear head. Arguing and fighting will cause a conflict where someone could get hurt, or you could say something that could be used against you later. 

The best accident lawyers always advise you not to lie about your part in the accident. If the accident was your fault, you should make it a point not to say anything that could later be used against you. And, of course, never lie about your role in the incident. Not only will this cause you severe stress, as you wonder whether you will be found out, but there could also be consequences for you trying to avoid blame. Let the insurance companies and other authorities sort out what happened. That's their job; let them do it. They will talk to everyone involved and get down to the facts.

Lastly, Gather and Exchange Information

Insurance information will need to be exchanged by everyone involved in the accident, even if it wasn't your fault. If any of the other parties are reluctant to exchange insurance information, there's a good chance they are uninsured. The good news is that the police will take the same information in case there is a dispute later on.

It's always best to gather as much information from the scene of the accident as possible, especially if any of the other parties are uninsured. You will need to record:

• Everyone's name
• Addresses
• Phone numbers
• Driver's license numbers
• License plate numbers
• Year, make, and model of the other vehicle
• VIN, if possible

Once you tell all of the information about the accident to your insurance company, your provider and the other driver’s should work it out together, without requiring much from you other than further testimony about what happened.

Conclusion

Because every accident is different, you should seek advice from professionals, including mechanics, doctors, and lawyers. Always continue all medical treatments recommended by your doctor.

Vehicle accidents create legal situations that need to be handled cautiously. Consult your lawyer, do not miss the deadline for filing a lawsuit, and get a motor vehicle accident legal team in place immediately. Protect yourself, protect your rights.

Believing you or a member of your family is a victim of a medical treatment gone wrong can be intimidating as well as frightening. However, if you or a loved one faces that situation, there are things you should know about statutes of limitations when it comes to filing a lawsuit. Medical malpractice lawyers can guide you, but here are a few basics.

The Standard Deadline

How much time people have to file a medical malpractice suit varies from state to state. In fact, it can range from one to ten years, including limits based on when a problem is discovered.

There is a standard deadline that is different depending on where you live, usually from one to four years. It is vital to know what the timeline is for your state. Sometimes statutes of limitation may differ based on the type of injury that has taken place because each state establishes its own regulations.

Discovery Rule

The second aspect of medical malpractice lawsuits you should understand is what is known as the discovery rule. In other words, how long you have to pursue a lawsuit may be different based on when the injury was discovered.

For example, a case where a sponge or surgical implement is left behind following surgery. The patient may know nothing about it until it begins to cause problems, which could be years later. In many states, the statute of limitations begins once the mistake is discovered, not when it occurred. In North Carolina, for example, individuals have ten years to pursue litigation in cases where an object is left inside a patient, such as during a surgery.

More than twenty states have exceptions built into their statutes of limitations regarding foreign objects left inside a patient.

Exceptions for Minors

Another piece of the statute of limitations in malpractice cases is the exceptions that apply to minors. Again, how the law is applied varies from state to state. Still, in general, the limitations may be broader when applied to minors.

For example, in Virginia, if a child is under eight years of age when an incident occurs, the law allows the filing of a suit until the child's tenth birthday. Some states don't set limitations until after the child has reached the age of eighteen.

Experts say it is crucial to pay attention to the statutes of limitation where you reside because filing a lawsuit after the fact could potentially limit your ability to file any other type of civil suit. Many states set constraints on the amount of non-monetary losses you can receive. These would be losses based on such things as pain and suffering versus actual medical bills and lost income from an inability to perform your job. The best bet if you believe you are the victim of medical malpractice is to consult an attorney.

When you get divorced, your heart isn’t just broken and your world turned upside down, your financial life becomes much more unstable.

Beyond just the division of your assets and debts there is the matter of support which is either arbitrarily set based on needs and ability to pay or a standardized statutory formula.  These division of asset and support orders do not provide for absolute stability, however.  Things can happen outside of the bounds of the court order:  You could lose your job; Your ex-spouse could get sick;  A horrible accident could happen to either of you. 

For these reasons, certain types of insurance are required or encouraged when finalizing your divorce.  These insurances are necessary for the same reasons they were necessary during the marriage: accidents happen. 

Health Insurance and Divorce.

During the pendency of a divorce whatever health insurance policies that were in place before the divorce filing must stay in place until further order of court.  Typically, the divorce court judge will have issued a standing order instructing exactly this policy.

If a spouse removes a soon-to-be-ex-spouse from their insurance, the removed spouse has the right to file an emergency petition asking to be reinstated on the insurance. If the removed spouse incurs any medical expenses that would have been covered by insurance had the spouse not been removed from insurance, those medical expenses will likely be ordered reimbursed by the spouse that removed the medical insurance. 

Out-of-pocket medical expenses, including premiums, can be split between the parties during the pendency of the divorce via a motion for contribution. The theory here is that all legitimate expenses are marital until the divorce is finalized.

Children’s health insurance can be another matter. In many jurisdictions, a child’s health insurance expense will be covered by one parent and 50% of the expense will be allocated to the other parent in the form of an increased or decreased child support payment.

Life Insurance and Divorce.

Divorces often involve support orders in either the form of alimony (also called maintenance in some jurisdictions) or child support.  These support orders are usually in effect for a specific period of time (either a set number of years in the case of alimony or until the child turns 18 and/or graduates from high school). 

What happens if the alimony/child support payor dies before that period of support paying is complete?  The divorce courts will often order that a party have a life insurance policy that will cover the presumed owed support. 

The divorce courts will also order that the surviving spouse be named the beneficiary of this life insurance policy…not the children. Most of a child’s expenses are in non-direct forms such as rent, heat and food that the child does not purchase themselves.

Child support receiving spouses must know that if they request the child support paying spouse to get life insurance that they, in turn, will also be required to get a life insurance policy.  If the parent that cares for the children passes away, the other parent will now require child care or have to cut back on their hours at work.  Therefore, a life insurance policy may be necessary for both spouses, no matter what their incomes. 

Renters Insurance and Divorce.

The parties to a divorce will usually live in a marital home that both parties own.  That home will either be sold by both parties or one party will keep the home in exchange for an equal valued asset or assets.  The party without homeownership will then move into a rental for the time being while they re-evaluate their life.

While in the rental home, the divorced party will not enjoy the mandatory insurance required that a homeowners’ insurance policy requires.  For this reason, the renting divorced spouse should consider rental insurance to insure the assets within the rental home. 

Russell Knight is a Divorce Attorney in Naples, Florida. 

Bounce houses are popular features at kids parties these days, and they look like harmless fun. After all, these huge inflatables offer kids a chance to jump and flip and bounce around on a soft surface. What could go wrong?

Unfortunately, bounce house injuries are actually quite common, and a lot of the time the injuries are caused by improper use (and inadequate supervision).

If a couple of small children are playing together, supervised, on a bounce house, then it should be quite safe. However, what often happens is that older children and young children play together. This can lead to injuries because older children are bigger, stronger, heavier, and are more likely to be doing dangerous stunts.

If an older child is climbing up the "neck of the giraffe" or the "castle spire" and jumping off, there's the risk that they might land on a smaller child. The same is true if they're doing flips or other stunts, or decide to be "playful" and throw a smaller child around.

Knocks and Bumps Can be Amplified on a Bounce House

When two kids bump heads while they're running and playing in a field, the result might be tears and a bit of a fright, but they'll be back playing again in no time. When two kids bump heads on a bounce house, the damage can be more serious because the kids are not in control of their movements. The 'bounciness' of the bounce house means that their weight is flying around at uncontrolled angles and with more speed than they normally would.

The Consumer Product Safety Commission says that in the five years between 2008 and 2013, there were 82,203 injuries associated with inflatables. Of those 90 percent were caused by bounce house use. This figure includes only injuries which were serious enough to require an ER visit. Any scrapes, sprains or bruises that were treated at home aren't counted.  Two-thirds of the reported injuries were to the arms and legs, while fifteen percent were to the head or face.  The Pediatrics journal reports that in 2010, there were so many injuries on bounce houses that it works out to one child getting hurt every 46 minutes.

Improper Set Up and Supervision Makes Injuries More Likely

A lot of injuries occur either because the bounce house was not secured properly, so the house gets 'blown away' in the wind, with people still in them. Injuries can also occur if the bounce house operator allows too many people on at the same time, allows people on to the bounce house while wearing sharp objects or shoes, or allows adults or older children onto a bounce house with smaller children.

What Should You Do if Your Child Was Injured?

If your child has been injured while playing on a bounce house, you may have a case against the people who were in charge of it. There are law firms that have a lot of experience in dealing with bounce house negligence cases, and it is a good idea to consult one of those so that you can make sure that your case is dealt with properly.

Be sure to document everything about the injury. What happened, who else was on the bounce house, how general safety was handled and how many people were allowed on at once, as well as how first aid was handled at the time. If you are the owner of the bounce house and you felt that it was poorly made or that a defect led to the injury, then take photos and save any correspondence. Explain your concerns to the law firm, they will most likely have encountered similar issues before and will be able to tell you if you have a case.

Life does not always have a happy ending. Things do not always go the way we want them to, and it does not always end up the way we plan it out. There absolutely no problem with that because that is just the way life goes. But sometimes, no matter how happy our relationships may be, it may end on a sour note with both parties not able to agree on a compromise. When this happens, especially if you have the custody of your children at stake, it is best to actually consult with family law solicitors to be able to help you in dealing with your ordeal. These family law solicitors would be able to help you to reach a compromise so that you would not have to deal with unwanted stress, even after dealing with problems within the family. It is a reality that a lot of people are faced with, and though it may be difficult to go through, you do not have to do everything on your own as you could easily get and seek for legal advice that would help show you the way to a more amicable ending. So, when exactly would you have to seek for the services of family law solicitors?

If You Are Going Through a Divorce

There are a lot of legalities to tackle when a couple is going through a divorce or even separation. A lot of factors will affect the lives of each spouse, and one spouse could benefit more from the other when this happens. To avoid disadvantages, meeting with family law solicitors would help you as a couple to decide on neutral ground for you to be able to reach a compromise that may be beneficial for each spouse. This is most important if you already have a family with children. Deciding who gets the custody of the children is a tough decision to make alone. That is why it is important and advisable to decide with a solicitor present so that both parties are aware of their legal rights when it comes to their children. You would not want to give your children a harder time with their parents already going through a divorce or separation and still could not decide on what will happen even after going each other’s ways. You could easily avoid conflicts like this should you choose to hire a solicitor to help you with your divorce or separation.

Even after the divorce, especially if you have children and they are in your custody, it is the responsibility and the obligation of your spouse to actually provide financial support to your children up to the age of 18. If you are having trouble getting that financial support from your spouse, you have the legal right to pursue a case against your spouse and demand for financial claims. This is something that you are legally entitled to, especially your children, so do not think twice about seeking legal counsel from family law solicitors to help you get what you deserve.

If You are Experiencing Being Abused

You can save yourself from domestic violence and abuse if you seek the help of family law solicitors. If you are being abused by your spouse, you should get legal help so that you could get away from your toxic relationship and get claims that you are entitled to for what you have gone through. There are laws in place to protect you from experiencing such maltreatments and it is your right to exercise those laws if you are in such a situation. No one should put up with any form of domestic abuse whether it is physically or emotionally. After your family law solicitor helps you with charging your spouse for domestic abuse, he or she could also be of legal assistance to you to file for a divorce or separation should the need arise.

If you Want to Have Pre-nuptial or Cohabitation Agreements

Cohabitation and marriage is not an easy decision to make, and it is not always a smooth-sailing path to go through. If you want to have legal agreements covering your marriage and cohabitation, most especially a pre-nuptial agreement, then getting the help of a family law solicitor is your best bet. This way, both the interests of each spouse will be taken into consideration and no one will be put at a disadvantage. It is also a good idea to put it into an agreement so that when conflicts and disagreements arise, you each have a document to look back on so that you know how to deal with the misunderstandings legally. These agreements will give both parties a liable and accountable person should conflicts arise and put one spouse at a disadvantage.

Chapter 7 bankruptcies wipe your financial slate completely clean, but it also stays on your credit report for 10 years and can send your credit score plummeting hundreds of points. In the future, you’ll need decent credit in order to rent an apartment, buy or lease a car, and much more. In general, you’ll need decent credit so you can move on with your financial life.

Consider a few of the following tips to help you get back on your feet after a bankruptcy.

Create a budget

At Scura Bankruptcy Law Firm, as a first step, we recommend creating a well-outlined and detailed budget. It’s important that you know exactly where all of your money is coming from and going to. It would be a good idea to limit the extras you used to spend money on so you can focus on getting back on track and stay in control of your spending.

Start saving for emergencies

Instead of spending money on things you don’t need and can’t afford, put your discretionary income into a savings account reserved just for emergencies instead. It’s a good goal to save up three to six months expenses, but even $1,000 in the bank kept only for serious situations can give you peace of mind and assurance that you’ll be able to afford minor setbacks without any issue.

Create a plan

In order to build your credit the right way, you need to know where you’re at currently. Check your credit report and credit score for free online and get an idea of where you are, and where you want to be. Take note of any discrepancies or inaccuracies in your credit report, as correcting these can make a huge, positive impact on your financial future.

Ways to prove that you are reliable to borrowers

There are a number of methods you can use to prove to lenders that you’re a reliable borrower that can be trusted to pay in full and on time. Set up a secured loan with a credit union or community bank. You may also be able to set up a secured credit card to help boost your credit score. The cards you may be eligible for may have high interest rates and annual fees but remember that this is just a starting point to get your credit back up to where you want it to be.

Pay on time, every time

The key to boosting your credit score is paying loan or credit card payments on time, every single month. This proves to lenders that you can be trusted to pay back money you owe and therefore are a low risk borrower. Keep your balances on the low end and make paying off your loans and credit cards on time a priority.

There are several tried and true ways to repair your credit score after you declare bankruptcy; it just takes some focused planning and intentional saving.

Written by John J Scura III, Esq.                                                                                                         
Partner, Scura, Wigfield, Heyer, Stevens & Cammarota, LLP

John has been Certified by The Supreme Court of New Jersey as a Civil Trial Attorney.  Whether it is a personal injury case, bankruptcy case, litigation case or other type of matter, John wants his clients to participate in the decision making process toward solving their problem in the best way possible.

https://www.scura.com