How to Deal with Debt Collection Harassment

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It is possible you may be a victim of debt collection harassment. For instance, you have been hounded by debt collectors now and again. The collector may be calling you several times a day. Also, the collector may have contacted your relatives or employer. In some instances, the collector has threatened you and even used profane language. When all these happen, you feel humiliated. How can you put this to an end?

debt harassment 681aBeing a victim of unacceptable debt collection practices can make your life miserable. Fortunately, you can do something to stop it and get reimbursement or damages for the trouble you underwent. In fact, a lot of people who have been victims of debt collector harassment suffer from stress due to loss of income, medical issues, or even divorce. This will leave the borrower to feel defeated.

You should note that you have rights as a victim of such practices and as a borrower. Moreover, there are remedies at your disposal. The following are some steps to undertake. When you play your cards, you can even get some extra money.

Know your rights

It is advisable to learn relevant laws and acts that apply to debt collection. Nowadays, you can easily find adequate information about debt collection. You can check Federal Trade Commission and other relevant organizations. Also, websites for private attorneys can provide you with a lot of information.

Act deliberately and calmly

3ed22 debt collection harassmentWhen dealing with a debt collector, you should take the high road. As you know, money is quite motivating. Most debt collectors are paid commission. Thus, if they can get a lot of money from you, they will put more into their pockets. If you study the law carefully, you will realize that some debt collectors use unscrupulous methods. For instance, intimidation, is one of the effective practices of debt collection, particularly when a borrower fails to understand his or her privileges and rights.

Keep records

Usually, debt collectors use the postal mail and telephone to reach out to borrowers. Nowadays, they use to text and email a lot. The good thing about mail documents is that they do speak volumes.

Ensure you keep all account statements, documentation, and correspondence. Ensure you keep records of your interactions with the debt collector and the company he or she works. The notes are invaluable when making a complaint or even filing a lawsuit against collectors.…

Choosing a Malfunctioning Equipment Lawyer

Cruising is one of the best ways most families love to spend their holidays Sailing through the water to other parts of the world. Sailing is such fun because it comes with new experiences as you sail on the blue water of the ocean. Cruising lines make available cruising ships that are used by passengers who would love to cruise. However, at times the cruising lines can get malicious because of high demand and end up carrying passenger’s using cruising ships which are malfunctioned. In the end, the ships will cause accidents and passengers will be hurt in the process.

If you are injured by defective equipment on a cruise ship, you should use legal processes to ensure you are compensated. This is essential because the cruise line involved should take responsibility of what happened until you ended up getting hurt. Such a case for you to have a successful; case it is advisable you check to hire a malfunction equipment lawyer. The lawyer will oversee the court processes and will represent you adequately to ensure you are compensated. However, there are many lawyers and choosing the best can be a problem. You can consider using the following criteria to get the best lawyer who will suit your needs.

Consider the experience of the lawyer

The lawyer who is to present your case for compensation after sustain injuries from a malfunctioned ghgrteequipment should have experience in handling such cases. The lawyer must have handed such cases before and won most of the cases he or she handled. These aspects will give you some hope of seeing your case take the path you wish for. An experienced lawyer will know what to do when faced with incidences which are unique. Similarly, he or she will be able to handle the case with a lot of professionalism to give it the best defense.

Check on the reputation

rrsdWhen you want to get a good equipment malfunction lawyer who will present your case well you need to check on the reputation of the lawyer. A good attorney should have a good reputation in regards to the services he or she renders to the clients. Ask for opinions of the people at the ground about what they can tell about the lawyer.

Ask for recommendations

You can choose to ask for referrals in case you want to get the best equipment malfunction lawyer to present you in asking for compensation. If you have relatives, who have hired a lawyer before they can recommend any of them to you in case they liked the delivery of services from the lawyer.

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Everything you need to know about child custody laws

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When a family faces a divorce, it is the responsibility of the courts to ensure that the kids enjoy adequate interactions with both parents. However, one parent might be denied access if there are enough reasons to do that. Thus, when fighting for child custody, it common to have one party trying to paint the other is the worst light. Thus, working with an experienced child support lawyer can help you deal with claims raised by the other party.

Facts to know about parenting and child custody

Parenting is a shared responsibility

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From a legal perspective, parenting should be a shared responsibility. As such, even in the case of a divorce, both parents have every reason to be involved in the life of their kids. However, this does not mean that the kids have to spend an equal number of days with each parent. Instead, they should have a permanent residence, and the other parent is accorded child visitation rights.

Child support is a serious matter

Child support and custody are critical subjects to the courts. Thus, if one parent fails to play their role as expected, you can always seek justice from the courts. In case one parent is unable to keep their word or stay true to the terms of the divorce. If you feel that your kids are not getting adequate child visitation after a divorce, you can always speak to your attorney and seek legal redress.

Kids are not pawns

no love 2No parent has the rights to use their kids as pawns. The charged nature of a divorce often forces parents to go on the defensive out of the fear of losing their kids. As such, most parents are forced to engage in inflammatory tactics aimed at scaring off the other parents. As much as most courts do not buy the idea of using kids as pawns, working with an experienced family lawyer often takes care of this possibility.

Parental circumstances change

At times, one parent might consider changing their residence. On the other hand, life events like remarriage of parents is always a possibility. If you realize that there might be changes that could have a direct impact on the lives of your kids, get to a child custody lawyer as soon as you can. Ideally, this serves to ensure that your children are not adversely affected by the transition.…

Factors Considered When Hiring A Professional Injury Attorney

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There are many causes of accidents. Some of them are caused by carelessness and negligence of other people. Once they occur, they can result in disability or huge medical bills. You are always entitled to compensation if this happens due negligence of someone else.

Hiring a personal injury lawyer will ensure that you are fully compensated. This professional will help with a personal injury case . He or she will ensure that you have been given the maximum amount that you are entitled to. This will help you in dealing with your medical bills. The factors outlined here below will guide you in choosing the right personal injury lawyer for your case.

Experience

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The lawyer should have the proper experience. His or her past knowledge will help you in knowing whether he or she is experienced enough. It is crucial to know whether the professional has handled such cases before and if he or she has been successful. He should be ready to share his experiences in these cases.

Checking the listings

Going through the available listings can help you in knowing if a lawyer has had any disciplinary history in the past. You can also check the work history to find out if the attorney you are considering has any complaints. Most of this information can be obtained from the lawyer’s association website.

Consider specialization

Many lawyers claim that they can handle any case. They are known as the general practice lawyers. Some of them can help you, but it is always advisable to go for the specialized lawyers. Such lawyers can handle the complex cases easily because they understand them better.

Asking for recommendations and referrals

You can do this by consulting your relatives and friends especially those who have been involved in auto accidents settlements. They can help you in finding a reputable personal injury attorney. You can also ask the other lawyers that you know to recommend a trustworthy professional.

Legal fees

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The process of filing a lawsuit is expensive and time-consuming especially when you have many clients who are injured. Many lawyers are paid once they have recovered money for their clients (on a contingency basis). It is, therefore, crucial to agree on the percentage that will be used as the attorney’s legal fee. This will help you in preventing unnecessary surprises once your case has been settled.

Personality

The lawyer’s personality should also be considered. This will help you in choosing a professional whom you can discuss your issue or case easily. Attorneys who do not return phone calls or who are too busy should be avoided. The right attorney should be capable of giving you personalized attention.

 

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How to choose an attorney

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Choosing the right attorney to help you is essential to the success of your journey in accomplishing whatever it is you wish to get done. If you don’t have any experience with having an attorney, these are five easy tips to help you to get started.

Why do you need an attorney

This question is crucial because you might want to look for a specific law firm that provides attorneys that have a lot of experience in handling the case. Experience matters and it is everything since it makes the attorney familiar with how the case goes, guiding you on what to prepare and assisting you in the process, and most importantly, winning the case. For example, look for attorney in los angeles for irs payment plans if you are in Los Angeles area and needing an attorney to help you in making payment plans for IRS.

List your qualifications

h4cbry8ibtr8Whether you have had an experience with attorneys or not, you still need to make a list of needs and expectations that you want your attorney to have. Spend a little extra time in the beginning to do this; it will make your experience better and easier if you know what you want exactly from them. This step will also help you eliminate candidates and options when you are searching for the attorney. Another benefit is that it will help to minimize the possibility of getting disappointed later.

Search the internet

The Internet is a wonderful place that would provide almost everything that you want to know. From cooking recipes, health articles, to information of law firm and attorneys that are available at your service. Nowadays a good and established law firm would undoubtedly have their website. Since there are a lot of options, this is where you can eliminate through looking for an attorney with a specific experience. Don’t forget to look for reviews before you decide to contact a law firm and an attorney. Later after you have reached them, then you could ask questions of whether they can check off your qualifications or not.

Go to Friends and Family

y3ucbgr63rfOne of the most reliable sources is your friends and family. Seek for an acquaintance that has had an experience in hiring an attorney, preferably for a similar or the same type of case. Their story is valuable to you because it will give you an idea of what will happen, what to expect, what are the do’s and don’t’s, what mistakes to avoid, and all the possible scenarios. If you don’t have anyone that you know of with the experience, turn to the internet and read what others have to say on this.…

Choosing a law school

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Deciding which law school to apply for can be a bit challenging. There are many options to choose from, each presenting its pros and cons. You need to consider a variety of factors to help you make the right choice. Some of the top considerations to make are highlighted below.

Top factors to consider

Reputation

The reputation of a school is usually what sells it. You should choose a school that is well known for good performance. Students from such schools usually find an easier time getting absorbed into the competitive market after completing their studies. The ranking of the school can be a good measure of reputation. A school, which usually ranks high every year, will obviously be a great choice. Keep in mind that high-ranking schools may require higher qualifications, so, ensure that you qualify to join before applying.

Location

The location of the school is another consideration to make. You have the option of studying even abroad if you wish to do so. Choosing a school that is located far from your home may present some inconveniences such as increased transport costs. The culture and way of life in the region where the school is located may also affect you and your studies. Weather conditions also affect some students, especially those with some health conditions such as asthma. You have to consider all these factors and ensure that you will be comfortable in the environment, in a way that you can concentrate on your studies.

Specialization


This is a major consideration to make if you already have an idea of which subfield of the law you wish to specialize in. It will help you to narrow down your options to the law schools which specialize in the particular subfield of the law that you desire to study. Such will be a good choice for you because the school will offer more resources and opportunities to excel in your studies. You will also be in an environment where the majority of the people have similar goals to yours.

Opportunities

Studying law is not all about attending classes only. You should choose a school that presents you with many opportunities such as externships, clinics, journals, and such. Having hands-on experience can only work to your favor in terms of the career that you will have. Do thorough research to find out the opportunities that you will be exposed to before you send your application.

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Services offered by an attorney

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There are many different types of services which your attorney can do for you. They apply irrespective of whether you have hired the attorney on a temporary basis or a long-term basis. In most cases, you will have to pay for the services that you enjoy, but there are cases where you can get pro bono services. Below are some of the services that you can expect from your lawyer.

Top services offered by lawyers

Legal representation

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A lawyer has the power to conduct any legal business on your behalf, with your authorization. He can also represent you in a court of law during a proceeding. Most people use lawyers as their legal representation due to limited knowledge of formalities, procedures, and terms used in the courts, among many other reasons. The lawyer will also have knowledge and experience that he can use to increase your chances of a better outcome in any legal case.

Advice

A lawyer can also give you legal advice to help you avoid getting into trouble with the law. With limited knowledge of the law, you are likely to make wrong decisions that might cost you later. Working with the advice of a lawyer puts you in a better legal position. For example, if you wish to file a divorce, your lawyer may advise you on the best way to go about it as well as how to act during the process. This will help you avoid making decisions based on emotions and ensure that you get what you deserve from the divorce.

Paperwork

ffthfdtryfder7i6t7iuWith most legal procedures, you have to do a lot of paperwork and filing. This might be a bit of a challenge to most people due to limited knowledge. You have to know which forms to fill, how to fill them, and how to file them among many other things. Doing anything wrong may also end up costing you quite a lot. A lawyer can take care of all the paperwork on your behalf as part of the services that he offers.

Investigations

Depending on the case that you are facing, your lawyer may also double up as your investigator. When charged with a crime, for example, the lawyer will have to find out everything in relation to the case, in a bid to uncover evidence that may work to your favor in court. He will also try to get witnesses who may testify on your behalf.…

Maine Citizens Against Handgun Violence

P. O. Box 92, Portland, Maine 04112

Maine Citizens Against Handgun Violence is a non-profit organization governed by and representing Maine citizens dedicated to reducing gun violence in Maine. MCAHV’s primary focus is the reduction of injuries to people in the State of Maine caused by the excessive proliferation of guns in our society. MCAHV’s goal is to prevent gun violence by advocating personal responsibility, public awareness, practical legislation, enforcement of laws, and increased manufacturer responsibility. Overall, MCAHV intends to make Maine a safer place for all citizens.