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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