Sep 25, 2017

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How do you defend yourself against wrongful foreclosure?

When a bank forecloses on your home illegally, homeowners are left with an extremely difficult decision to make: how do I go about defending myself and my property? Many people don’t know where to turn when they are facing an illegal foreclosure, and thousands of homeowners choose to do nothing, even though they have rights, because they wrongly assume that they cannot afford the legal fees.

Fortunately, it fighting a wrongful foreclosure may not cost you as much as you think. Many attorneys will work with their clients to establish a payment plan for their services, based estimates of how much time your case will take and what you can afford to pay. In some cases, if they win your case, your attorney may be able to recoup some or all of their fees from your financial institution.

What exactly is wrongful foreclosure? Many people understand that they may face foreclosure if they fail to make the required mortgage payments, but in some cases, the bank may be in the wrong. In the past, courts have overturned foreclosure proceedings against major banks like U.S. Bancorp and Wells Fargo because the bank couldn’t prove that they legally owned the mortgages to the people’s homes. Yes, the people owed the banks money, but if the banks were careless enough to not properly track ownership, the judge ruled that the homes could not be taken away. To learn more about this, read the entire article on CBS News.

According to the laws in the United States, people cannot lose their homes and property cannot be taken from them if the documentation used to do so is fraudulent, incomplete, or altered in any way. It is the responsibility of financial institutions to make sure that their documentation is in order, or else they may not be able to take action to seize the property from the homeowners in question. It makes perfect sense that property owners should be able to keep their homes if the bank does not have the adequate documentation to prove its case against them.

Regardless of the bank’s case, homeowners who are facing a wrongful foreclosure should make sure to hire an attorney. These matters are extremely complex, and it would be unwise to try to handle your claim by yourself (unless you are a wrongful foreclosure attorney). An attorney who understands the process, knows the tricks and tactics that the financial institution’s attorneys will use during the case, and who knows how to build a strong case on your behalf is essential. You don’t want to be the one who does all the “legwork”, on your case and if you try to handle it yourself, you may jeopardize your entire case. When it comes to potentially losing your home, it is best to let the professionals handle it and leave your case to an experienced attorney.

Ultimately, when it comes to protecting your home, it is essential to take whatever actions are necessary to save your home from being seized. Fortunately, there are legal options available to people, so you don’t simply have to let them come and take it from you, especially if the basis of their case is flawed.

 

 

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Jun 14, 2017

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Why You Should Get Your Own Storage Unit

Space is an often-overlooked factor in life, even though it can be particularly important, especially if you are living in cities where space can be very valuable and scarce. One of the most efficient ways to get more space is getting a unit from a mini storage facility, which is often located in the heart of the city for easier access to those who truly need it.

These units can be very helpful for those who live in small places, like apartments and condominiums. But aside from the obvious advantage of having more space for your stuff, getting a storage unit has other advantages.

You can stay organized

Having extra space means that you have more room to organize your stuff, and the fact that this extra space is in another location other than your residential space can make the organizing even better. For example, you can store your winter items in the storage unit during the summer, so they are not taking up valuable space in your living area. You can do this for your summer items during the winter as well.

It also helps if you have a business or a hobby, so you can effectively separate your business and hobby related things from your personal things.

You get extra security

Your stuff is not just organized if you put them in a storage facility, as they are also safe because of the security in these facilities. There are security cameras, access codes, and climate control mechanisms to ensure that your items are both safe and in good condition.

This can be particularly helpful for sentimental and old items that may take up too much space in your living area, such as old photo albums, toys, and even important documents.

You have peace of mind

If your items are properly secured in a storage unit, you are more at ease that they are not going to fall victims to burglary. They are also not going to be vulnerable to the hazards in your area, such as fires, earthquakes, and even tornadoes, that can completely ruin these items.

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Mar 18, 2017

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Fatal Car Accidents

Those who are relatively lucky will get away from car accidents with traumatic injuries. But those who are not so lucky may end up dead. Traffic accidents may be fatal because of a variety of reasons, such as when the impact is so great because of the speed of the vehicles involved or when the vehicle has crashed and rolled over in a violent way.

Common Causes of Fatal Accidents

Car accidents can happen because of driver error, vehicle malfunction, or dangerous road or weather conditions. But the worst reason is driver negligence, such as those who drive while drunk or distracted, those who are speeding, and those who are intentionally reckless.

Drunk and distracted drivers have limited body coordination, which is important in driving. The influence of alcohol and the distractions around them may force them to put their hands off the steering wheel and gears, eyes off the road, feet off the pedals, and mind off the act of driving.

Speeding drivers have limited control of their vehicle, potentially putting them out of the road, especially during a turn. They also have limited time to react to the actions of other drivers.

Those who are reckless, like those who tailgate, swerve, and weave, are also at risk of crashing or colliding with another vehicle, as they have disadvantages in terms of positioning and mobility.

Damages of Fatal Accidents

According to the website of Goings Law Firm, LLC, family members of those who have been killed by negligent drivers may take legal action, such as getting compensation from the damages they have sustained.
The most obvious damage is funeral costs, which can easily reach thousands of dollars. If their loved one has not been killed instantly, they may even sustain further financial damage from medical costs.
The financial damage does not stop there. As the victim is most likely a worker, the family will take a hit on their economic status. The loss of an earner from a person who has an income and gives support to a family can affect the family’s lifestyle and future.

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Dec 29, 2016

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Facial Palsy Due to Birth Trauma

Facial palsy due to birth trauma is a physical injury concerning the facial nerve of the child, which may have sustained damage during delivery. It is different from congenital facial palsy. Congenital facial palsy refers to facial palsy that has been sustained during the development of the child inside the mother.

Facial palsy due to birth trauma can be caused by two things – the improper use of forceps or pressure during child birth.

Improper use of forceps

Forceps are instruments used in medical operations like child birth to grasp objects that are too small or need to be grasped collectively. In the case of child birth, forceps are used to pull the baby from the mother, particularly the baby’s head.

Too much force in using forceps can result to injuries such as bruises in the face, and at worst, damages to the child’s facial nerve resulting into facial palsy.

Pressure during child birth

The baby can also sustain facial palsy from the pressure of delivery. If the mother’s pelvis is too small or the baby is too large, the baby’s face may sustain excessive pressure in the face. Anything that compresses the baby’s face or applies pressure to it can lead to damage.

Signs of facial palsy

If the baby’s eyes appear uneven, he may have sustained facial palsy during delivery. Other signs include a mouth that looks asymmetrical, and a side of the face that appears to make little to no movement compared to the other side.

Treatment for facial palsy

Generally, facial palsy sustained during birth can recover on its own in a few months. But there are certain instances where surgery is required to repair the damage. The key is closely monitoring the condition to know the appropriate action to take to counter facial palsy due to birth trauma.

According to the website of Russo, Russo & Slania, P.C., facial palsy due to birth trauma can be a medical malpractice case, if the improper use of forceps and the general negligence of the medical staff has been the known cause of the injury.

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Jul 6, 2016

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Pros And Cons of a Limited Liability Company

Choosing the right business structure is an important business decisions that entrepreneurs would have to make. One of the most common choices is a limited liability company or LLC. For companies with one to three owners, it is the perfect choice. According to the website of Slater Pugh, Ltd, LLP, these types of company combines elements of a partnership and corporation. Here is a guide on the advantages and disadvantages of a limited liability company.

Advantages

  • A limited liability company provides protection to the owner against a possible lawsuit. Compared to a sole proprietor, the owner of an LLC is regarded as a separate entity from the company. This means that creditors cannot seize the owner’s personal assets.
  • With LLC, owners can deduct health insurance premiums on an income tax return.
  • Unlike C or S corporations, LLCs offer less paper works. This makes an LLC easier to form and maintain in good standing.

Disadvantages

  • In an LLC, profits earned are only taxed at the company level. Owners of the company pay taxes on profits on their personal income tax returns.
  • Unlike corporations, there is no definite role in an LLC. This can create confusion as to who will sign contracts.
  • However, this can be remedied with the creation of an LLC Operating Agreement.
  • If one of the owners of the LLC leaves, the company’s existence will cease to exist. Again, owners can remedy this with an LLC Operating Agreement.
  • While there are fringe benefits in an LLC, such are treated as taxable income. Employees of a C Corporation also receive fringe benefits but it is not reported as taxable income.

Knowing the advantages and disadvantages of a limited liability company can help you decide whether it is the right business structure for your company. It is always best to consult the experts when deciding on the business structure you want.

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Mar 10, 2016

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What are the contributing factors in truck driver errors?

In the United States, large trucks (such as semi-tractor trailers and 18-wheelers) are used for the shipment and transportation of many different products, making the industry a highly needed service. Trucks are particularly harder to operate, and it is a requirement that the drivers are well-trained and well-informed about the functions of the vehicle. Unfortunately, accidents are inevitable, and since trucks are larger than most vehicles we see on the road, the results are particularly worse and more tragic. There are just certain qualities that trucks have and cars do not, such as blind spots and relatively delayed stop time while stepping on the brakes due to the heavy weight. These things are only a few of the many factors that add to truck accidents.

The intensive nature of a truck driving job usually adds up to driver error as the cause of an accident. According to the personal injury lawyers at Evans Moore, LLC, there is a greater responsibility that is expected from truck drivers, so their negligence poses bigger risks.

According to Nolo, due to the nature of the job, truck drivers are prone to fatigue, which could lead to an accident. Exhaustion results in sleepiness and it may lead to simple distractions like the oversight of a sign, panicking, being startled, and many other more. Another driver error is the use of drugs and alcohol, and this almost always leads to tragic accident results. There are federal rules enforcing employment testing to trucking companies, although some drivers are just merely negligent and continue to violate the law. Blind spot is still one of the major issues in truck accidents, even though truck drivers are trained to look for vehicles that may drive on the “No Zone,” a space around the truck where the driver is not able to see through the mirrors.

The factors mentioned above are just a few of the many things that cause truck accidents.

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Oct 21, 2015

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A step-by-step account on how airbags work

Apart from seat-belts, airbags provide an added layer of protection among passengers during a car crash. In the U.S., cars with model year 1998 and onward are all required to have airbags for front passengers. But today, airbags are not only limited in the steering wheel and in the dashboard, they are also mounted on doors and chairs; and they are a big help in reducing fatal accidents in every U.S. roads.

But how does this amazing car safety component work? Here is a step-by-step account on how an airbag deploys:

  1. The airbag is equipped with sensor that tells whether a crash has occurred. This sensor is equipped with an accelerometer (an instrument that measures acceleration) to detect sudden decrease in acceleration. When there is sudden, possibly fatal deceleration, the sensor will trigger the airbag circuit.
  2. The circuit will then ignite a solid propellant that would trigger a chemical reaction. This chemical reaction would generate a large amount of gas so fast that it would inflate the airbag within a quarter of a second.
  3. The airbag is coated with talcum powder so that it would unwrap seamlessly. Also, the airbag is made of nylon fabric with tiny holes on its edges. The airbag deflates as the occupant’s head pushes it down.

However, there are certain scenarios where airbags do not deploy. According to the website of Williams Kherkher (view website), defective designed, manufactured, and mounted airbags may malfunction in times of collision. Furthermore, an airbag may not deploy in any of these situations:

  • A frontal fender bender
  • When you hit a moving object (an animal or a moving pole)
  • When you have been involved in an angled or rear crash
  • When the direction of the force during a car crash is downwards (ex. when your bumper is lodged below a semis’ loading platform, or when you drive over a large pothole)

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Jun 4, 2015

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Zofran and Cleft Palate

An infant’s palate, or the roof of their mouth, is fully formed by the tenth week of pregnancy. Palates form from the edges first then fuse in the center to form a solid roof. When this fusion process is disrupted, a hole is left behind and a cleft palate is formed. Typically the cause is never found. Genetic factors are usually considered, but environmental factors can be a cause as well. Environmental factors can include smoking, drinking, and being excessively overweight during pregnancy, but increasingly is taking unsafe medication.

Zofran is a drug that can be prescribed to women who are experiencing excessive and/or violent morning sickness. It was originally designed for cancer patients who were undergoing treatments and works by suppressing the chemicals that are responsible for nausea and vomiting. Recently, however, there have been connections between the taking of Zofran during pregnancy and the development of certain birth defects, including cleft palates. Inadequate research was done prior to prescribing it to expectant mothers. The FDA has since released a warning against its use by pregnant women, but many doctors prescribe it to their patients anyway.

The direct connection between taking Zofran and the development of cleft palates is still unclear, but Zofran lawyers are looking into the issue. Cleft palates can cause undue suffering to both the child and their caretakers. Infants with cleft palates are typically unable to breast feed since the hole in their mouths can fill with milk and cause them to aspirate or milk to come out of their nose. Older children will have a difficult time speaking since the roof of your mouth is necessary for making speech sounds. Surgery is the only solution and sometimes multiple surgeries are required. The effects of taking Zofran during pregnancy are still unclear, but it is important to know the risks involved.

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Mar 26, 2015

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Considerations for Selling your Mineral Rights

There are some circumstances when selling your mineral rights is the better option than leasing. True, when you sell your mineral rights you can no longer benefit from the yields when there are any. This can be truly frustrating, but mineral rights are highly speculative at best, and most often do not even pan out. Leasing keeps your finger in the pie just in case there are minerals in commercially viable quantities, and you still own the rights.

On the other hand, if you only own part of the property that has mineral rights, a lease can make it very complicated for you and your co-owners. For one thing, negotiating a lease will involve more people. For another, even if you get a lease contract that everyone can live with, the paperwork and administrative burden to make sure that everybody has a fair share of the proceeds and royalties may be too heavy for the money you eventually get for your share. This is especially true when the property is not yielding a lot yet, so the royalties may be next to nothing. As an article on The Mineral Auction website puts it, it may be more trouble than it is worth.

Another scenario where selling your mineral rights makes more sense than leasing it out is when you need a significant amount of cash at once. It could be to buy into a business, buy new property, pay for college, or pay off debts. You only get money from a lease on a piecemeal basis, and it is obviously going to be much less than a purchase, so selling your mineral rights is the best option for you.

If you do decide to sell your mineral rights, you have to be sure that you are getting the right price for it. You should consult with an oil and gas attorney if you get an offer to purchase and discuss why the price is right or not. It is easy for an amateur to get confused over the whole thing, so you may want to leave the selling to the professionals. There are companies that specialize in putting mineral rights up for auction and getting the best deals for both sellers and buyers.

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Mar 24, 2015

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Wet Reckless in Plea Arrangements

You are charged with driving under the influence (DUI) in and it seems that there is a wall of evidence against you. Your lawyer is advising you to make a “wet reckless” plea. What is that?

A wet reckless plea is admitting that you were driving after having had a few drinks. The formal description for this plea is “reckless driving with alcohol involved.” The conditions for a typical wet reckless plea is that the blood alcohol content (BAC) level was just at or slightly lower than the legal limit, the driver had no prior DUI charges or convictions, and there was no accident. A wet reckless plea is a lesser offense than a DUI and usually results in lower fines, no prison time, and no criminal record.

Some states are neutral about wet reckless pleas. There are no laws pertaining to such pleas, which mean that a good DUI lawyer can make a case for you. However, it can be hard to pull it off if your lawyer is not experienced in criminal defense. There is a lot of pressure on prosecutors to crack down on DUI, so they will not be willing to agree to a lesser charge unless the lawyer is very convincing.

In Texas, the situation is different. About a dozen states specifically prohibit against a wet reckless plea, and Texas is one of them. A driver charged with driving while intoxicated (DWI) in Texas faces particularly harsh punishment. However, according to the website of Brent Horst, Attorney at Law, a savvy criminal defense lawyer can still work out a way to reduce penalties for a DWI, such as probation.

It would be better to avoid a conviction, of course, but you will usually need a good lawyer to do that. Because of the potentially damaging and long-term consequences of a DUI or DWI conviction, drunk driving defense should be a priority for you.

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