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Fixing Your Credit Rating After Chapter 7 Bankruptcy

Chapter 7 Bankruptcy Lawyer

It’s common knowledge that filing bankruptcy lowers your credit score. In fact, it makes some people reluctant to declare bankruptcy. However, even though your credit score will take a hit, it’s possible to rebuild it in time. Here’s how.

Make Timely Payments

Positive payment history is one of the most important factors in determining your credit score. The more timely payments you have, the better your credit rating will ultimately be. As such, you should make an effort to make timely payments after declaring bankruptcy. If you have difficulty remembering to make your payments every month, you may want to look into autopay. If you enroll in autopay, your payments will automatically be deducted from your checking account every month.

Pay Attention to Your Credit Utilization

Credit utilization is another important factor lenders use when deciding whether or not to approve you for a loan. Ideally, you want to keep your credit utilization less than 30 percent. Maintaining a low credit utilization ratio shows potential lenders that you are a responsible borrower and don’t rely too heavily on your credit cards.

Request For Your Payments to Be Reported to the Credit Bureaus

Creditors and lenders aren’t actually required to report payments to credit bureaus. If you’ve just filed for bankruptcy and are trying to fix your credit, you may want to ask your creditors and lender to report your activity to the credit bureaus. You can take it a step further and request for your rent and utilities to be reported to the credit bureaus. 

Obtain a Secured Credit Card

If you are having trouble getting approved for regular credit cards, don’t feel too bad. It’s often difficult for those just fresh off of bankruptcy to qualify for traditional credit cards. One thing you can do is obtain a secured credit card, which requires you to make a cash deposit. Once you make timely payments on this card, you may be able to qualify for regular credit cards.

Check Your Credit Report

Since errors can occur on credit reports, you should check yours after filing for bankruptcy. Make sure that all the debts you discharged don’t show up as active on your credit report. If you detect errors, let your bankruptcy lawyer know immediately.

 

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Truck Driver Fatigue And Unfair Fault Tactics

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Truck Driver Fatigue And Unfair Fault TacticsTruck accidents can happen for a myriad of reasons, which can be related to truck driver negligence, poor weather, road conditions, and more. But in most truck collisions, it is the trucker’s actions that are the primary cause of the incident. Among the reasons why truck accidents occur, trucker fatigue is the most prominent. In fact, trucker fatigue is a factor in about one in every ten truck accidents. But unfortunately, victims who get hurt in truck collisions may not realize that trucker fatigue is a real thing, and could be the reason they were seriously injured. Unfair fault tactics may be placed on victims when trucker fatigue is the actual culprit.

The trucking industry delivers goods all across the nation, and their focus is getting to their destination as fast as possible. There are regulations that oversee how many hours a trucker is permitted to drive within a set period. Truckers can operate their vehicle up to 60 hours within a 7-day period, or 70 hours in an 8-day duration, and still are not violating the Federal Motor Carrier Safety Administration rules. Truckers may be under an immense amount of pressure to get where they need to be timely, so they may falsify log books or skip out on rest breaks to meet the deadlines expected of them. 

Due to the pressure of delivering cargo as soon as possible, it is not surprising that truckers are users of stimulants to keep themselves awake for extended periods of time. Stimulants can increase fatigue instead of relieving it, as they mask tired symptoms for a while, but then wear off, leaving the brain and body to not get the rest they need. When these stimulants are no longer effective, the driver may suddenly be overcome with mental and physical fatigue. The stimulant may be active in the body, but it may not have the effect the driver hopes for, resulting in a blurry alertness and tendency to be inattentive to the road ahead. 

As a truck accident lawyer victims trust from the Law Office of Daniel E. Stuart, P.A. has investigated in past cases, there may be proof of stimulant use from reviewing the truck driver’s logs. Or, there may be signs that the truck driver purposefully lied on the log books as a way to avoid responsibility if a truck accident happened because of fatigue. The trucking company’s insurance may claim that the driver of the passenger car was reckless or negligent, with the intention to unfairly place blame on them for what happened. However, this is often just a tactic to avoid liability so the trucking company doesn’t have to pay out the victim in restitution for the property damage and injury that ensued. 

Even if the passenger driver had contributed to the truck accident in some way, the compensation amount may be reduced by their percentage of fault. Victims of truck accidents must be transparent with the team at their chosen law firm, similar to the Law Office of Daniel E. Stuart, P.A., so that the best strategy can be developed when pursuing fair restitution for all they have been through.

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5 Things You Need To Know About Commercial Litigation

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Commercial litigation may seem like it’s only relevant to businesses, but that’s far from the truth. Even if you’re not an entrepreneur, you may find yourself on the wrong end of a lawsuit at some point in your life , in fact, every year, millions of people are involved in some type of commercial litigation. Whether it’s an accident that goes too far, or some type of property dispute, commercial litigation can be an expensive and stressful experience that may be beyond your legal expertise. Our friends at Mahdavi, Bacon, Halfhill & Young, PLLC have put together some things you should know about commercial litigation Manassas, VA.

1) What is Commercial Litigation?

Commercial litigation is a type of civil lawsuit that arises out of disputes between businesses. These disputes can involve contracts, tortious interference, breach of fiduciary duty, and many other issues.  Tortious interference with contract or prospective economic advantage occurs when one party intentionally causes harm to the contractual relationship or potential business opportunity of another party. The elements required for this type of claim are: (1) the existence of a valid contract; (2) knowledge by the interfering party that there was such contract; (3) intentional interference with either the performance or benefit under the contract; and (4) damages caused by such act.

2) What Are The Legal Issues In Commercial Litigation?

The legal issues in commercial litigation are numerous and complex. In a nutshell, they involve breach of contract, fraud, misrepresentation, and other business torts. But that’s just the beginning. To fully understand the legal issues at play in your case, you’ll need to consult with an experienced commercial litigation attorney.

Due to the  numerous issues, the process of commercial litigation can be long and drawn out, or it can be relatively quick and painless. It all depends on the specific facts of your case and the willingness of the parties involved to negotiate a resolution. If you’re headed for trial, be prepared for a lengthy and costly process.

3) How Much Does it Cost to Sue Another Business?

The cost of commercial litigation can be significant. If you are the plaintiff, you will likely need to pay an attorney’s fee, as well as any filing fees associated with your case. If you are the defendant, you may also be responsible for these costs. In addition, commercial litigation can be time-consuming, so you should be prepared to devote a significant amount of time and resources to your case.

4) Who Sues A Business in Virginia?

In Virginia, businesses can be sued by consumers, other businesses, and even the government. The most common type of lawsuit filed against a business is a breach of contract claim, but businesses can also be sued for things like fraud, negligence, and wrongful termination. If you’re a business owner in Virginia, it’s important to know your rights and have a plan in place in case you’re ever sued.

5) Where Do We Sue When It Comes To Commercial Cases?

If you have a commercial litigation case, you will likely sue in state court. The reason for this is that most contract disputes involve state law. However, if your case involves federal law, then you will sue in federal court. For example, if you are suing for breach of a contract that was made with a person in another state, then you would sue in federal court because it is a contract dispute between two states.

If you are experiencing commercial litigation, contact an attorney for help with your case today!

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Business Litigation Lawyers Help Business Owners

Business Litigation Lawyer

As a business owner, conflict and discord are inevitable. Whether that conflict is between employees, contractors, or an outside party, a business owner should have the legal representation they need. The following are a few reasons why it would be in your best interest to hire a business litigation lawyer Montana business owners trust to support your business. 

A business litigation lawyer will help protect you against various types of fraud. 

Unfortunately, fraud is a common experience most business owners face. It may come from varying people or places, and undoubtedly cause a business owner stress. 

Fraud against businesses by their own employees or corporate office is common. Types of employee or corporate fraud include the over-billing of hours, inaccurate compensation claims, false travel expenses, theft, and corporate espionage. It is a sad reality, but those within a company can often hurt a business owner the most. 

Customer fraud occurs with the use of stolen credit cards, invalid checks, filing inaccurate legal claims against a business, and switching price tags which essentially steal from the business. 

Contractors of a business may attempt to commit fraud by failing to withhold their contract, provide services agreed upon, complete a project, over-bill, and accept kickbacks. Due to the nature of the contractor’s relationship with a company, this type of fraud is often difficult to detect. Business owners need to keep an eye out for fraud within their contractors and ensure they are being held accountable. 

In order to protect you and your company from fraud, it would be wise to reach out to an attorney at Silverman Law Office, PLLC. If a business owner wishes to seek compensation for fraud against their company, they need to initiate legal action in state court. Allow a business litigation lawyer to advise you on what the proper legal steps are after experiencing fraud. 

A business litigation lawyer will help guide you through the litigation process.

In the event of litigation, it would be beneficial for the business owner to discuss their legal rights during the litigation process. An attorney will advise their client to first limit any and all communication with the opposing party. Any communication you have may be used against you in court. If you desire to communicate something to the opposing party, it is highly recommended that you first speak with your business litigation lawyer. Gathering evidence is essential in a litigation process, and will help validate your claim in court. A business litigation lawyer will aid in this step, ensuring you collect everything needed. While the litigation could last up to a year, it is important for the business to operate normally. The business owner should not delay production or stall products because of litigation. 

The attorney-client privilege allows the business owner confidentiality share without the threat of exposure. If however, a third party joins the conversation, that person has the right to disclose the information in that meeting in court.

Contact a business litigation lawyer today and protect your legal rights as a business owner!

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Benefits Of Cosmetic Dentistry 

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Benefits Of Cosmetic Dentistry 

Once upon a time, cosmetic dentistry was only for the rich and famous. Times have changed, and cosmetic dentistry’s benefits are becoming more well-known and wildly taken advantage of by the everyday consumer. It’s not just about the appearance of perfect teeth anymore. There are many benefits to cosmetic dentistry, and we want to share them with you. 

If you are thinking about cosmetic dentistry and are still unsure, take a look at our list of benefits below. 

  • Improved Appearance 

While it is no secret that improving your appearance is a huge benefit, it isn’t all about looks. It is one of the first benefits you’ll notice and appreciate after your cosmetic dentistry procedure. Besides improving your smile, you may also notice that your self-confidence is boosted. It is common to see that the self-esteem of people with discolored, crooked, or missing teeth takes a hit and leaves people feeling less confident. A new smile can drastically change how you feel about yourself and can boost your mental health in the long run. 

  • Improved Nutrition 

Probably the most important benefit of cosmetic dentistry is a better, more nutritious overall diet that will be possible. It is something that people don’t always think of either. If you have missing back molars, you are probably not eating things like meat that require you to grind and chew your food more thoroughly. If you can’t eat what your body needs then it is likely that you are suffering from a lack of important nutrients your body needs to function better. 

  • Achieve Better Oral Health

Keeping your teeth clean is much easier for you and your dentist when your teeth are straight and not overlapping. Flossing is much simpler when your teeth are straight, and you won’t have to worry about food getting stuck as often. In addition, you’ll find the decay that your hygienist and dentist find will be quite minimal compared to before your cosmetic dentistry procedures. 

  • Replace Missing, Broken, or Misshapen Teeth 

If you have put up with a chipped tooth, have a weirdly shaped tooth you don’t like, or are self-conscious about that tooth that had to be pulled, then cosmetic dentistry can be a good step for you. An experienced cosmetic dentist can fix any of the conditions mentioned above, improving your eating and taking care of your teeth. 

  • Improve Your Tooth Alignment 

Many people don’t think about how painful having misaligned teeth can be. You may have jaw issues that need to be fixed, and a cosmetic dentist can do just that. The pain can be alleviated through the process, and you could find a reduction in headaches, jaw pain, and more. Not only does it improve the look of your teeth but also your overall health if you are someone who suffers from pain from your teeth not being in the right place. 

 

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A Glossary of Common Cancer Terms

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For those caregiving for someone with a cancer diagnosis, it’s best to be as knowledgeable as possible. A cancer diagnosis can inject heavy doses of uncertainty into a life. Knowing as much as you can will clear some of the clouds of uncertainty, and provide coherency to the situation.

Thus, whether you are a home health aide in South Florida or a family caregiver in Los Angeles, it’s imperative to familiarize yourself with the common cancer terminology according to our friends at Expicare Nursing.

Acute: These are symptoms that can start and worsen quickly, but they will not last over a prolonged period of time.

Benign: This is often used to describe a tumor that is not cancerous.

Biopsy: This is a procedure in which a small sample of tissue is removed for cancerous testing.

Cancer: A disease that is caused by abnormal cell growth that can occur throughout the body.

Carcinoma: A form of cancer that begins in the skin or tissues which are attached to the internal organs.

Chemotherapy: A treatment option used to prevent, impede, or fully reverse the development of cancer.

Immunotherapy: This is a treatment form that activates the immune system. Through stimulating your body’s natural defenses, immunotherapy can aid in fighting diseases like cancer.

Infiltrating Cancer: A form of cancer that has invaded past the original tissue that it started in. It has the potential to spread to other forms of the body.

Leukemia: This is a cancer that occurs when white blood cells begin to replicate without control. It is also known as blood cancer.

Mass: A mass is often in reference to a lump within the body.

Oncologist: A person who treats and provides medical care for patients diagnosed with cancer.

Pathologist: A professional who can interpret laboratory tests. They will be able to evaluate the state of the body’s systems and aid in the diagnosis of the disease.

Pre-malignant: This term is in reference to cells that are currently non-cancerous but have the capacity to become cancerous.

Prognosis: This is a prediction of the future course of the disease.

Staging: Staging refers to the positionality and trajectory of the cancer. It tells you where your cancer is located, if its position is affecting other locations of the body, and whether it has (or will) spread.

Tumor: A tumor occurs when cells begin to grow and change uncontrollably. These cells will form a mass that can be detected by your cancer care team.

If you or a loved one has been diagnosed with cancer and are in need of care, contact a home health aide today for help.

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Easy Steps In Devising Your Estate Plan

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Easy Steps In Devising Your Estate PlanIf you think that estate planning is only for wealthy people and rich families, think again. Those who don’t have an estate plan may end up causing more confusion and further pain for family members who will already be grieving their loss. An estate plan provides instructions for how assets, guardianships, trusts, and other preferences are to be carried out after someone’s death. As a lawyer from W. B. Moore Law LLC. would agree with, it doesn’t matter how much your belongings are worth or how much money you have in the bank, we all have a legacy that deserves to be passed on to those we cherish the most. If you are stressed out about the idea of devising an estate plan, just consider these first few easy steps to get you started:

Write down everything you own.

Take a walk around your home. Do you have art hanging on the walls? Furniture in each room? Are there family heirlooms that mean something to you? Are there sentimental items that may not be worth much, but they are special to you anyway? Write down a list of everything you own, both tangible and intangible assets. Examples of intangible assets are things like trademarks, copyrights, patents, brand equity, and intellectual property.

Write down people and charity organizations you care about. 

Who are the people you love most? Do you have family members or friends who you would want to have a piece of your legacy after you have passed away? Writing down the names of your beneficiaries after the list of assets can enable you to more easily connect who you want to receive which of your belongings, property, or money. You can choose to include charity in your estate plan as well, which will be transferred to the organization after your death.

Consider the impacts of not having a will.

If you die without having a will, then your estate may be handled by the court based on state intestacy laws. By law, a deceased person’s estate is handed over to the court to identify beneficiaries and then transfer assets. There is no guarantee that the court will consider what the deceased would have wanted either. Upon realizing this information, many people feel suddenly motivated to finally establish that estate plan they have been putting off. A will is one of the best ways for people to direct who they want to inherit certain assets, so the court doesn’t do it for them. 

 

It isn’t uncommon for people to visit with a lawyer, such as a living trust lawyer residents trust from W.B. Moore Law, to get more guidance on how to devise their estate plan. These documents will be impactful in how your legacy is to be passed down to future generations. There are generic programs available online that allow you to create an estate plan within minutes, but a lawyer will be able to customize it so your specific needs and preferences are met. 

 

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Lyft Accident Attorney

Lyft accidents are an unfortunate incident, but there is legal help available if you have been in one and want to know how to recover your losses. Rideshare accidents make up a small percentage of personal injury accidents, but they are becoming increasingly common. Companies like Lyft and Uber have reported a 3% increase in fatal accident cases. There is help available if you have suffered injuries after a rideshare accident. After an accident, make an appointment with a lawyer right away so that you can discuss your options for how to file the claim. Be sure to discuss the following topics during your consultation. 

Account of the Accident 

When you have the consultation with a lawyer, you will discuss the details of the accident. The lawyer will ask you to describe what you saw, how the accident occurred, and who was involved. Be sure everything you are providing to the lawyer is accurate, otherwise it can prevent them from assessing your case correctly. If you have any documents, records or photos available that can help the Lyft lawyer understand your case better, you can show them to the lawyer as well. 

Driver Information

After the accident, you should have obtained essential information such as contact information,  their insurance information, and anything else that the lawyer should know. Let the lawyer know if you were not able to get the necessary contact information, or if you encountered other issues, such as if the driver did not want to cooperate with you. 

Evidence You Obtained

You should have obtained evidence such as videos or video recordings of the accident scene, such as photos of your vehicle and other vehicles involved, photos of the pavement, and other damage. Other important pieces of evidence that is helpful to have are medical records of your accident injuries and the police report. Present anything you have, even if you are not sure if they could be useful, and the lawyer will review them. They will select the most relevant pieces of evidence to support your Lyft accident case. 

Insurance Information

Don’t forget to contact Lyft as well to report the accident so that they are aware it happened, and can inform of next steps to take. As lyft accident lawyer to provide excellence in legal service, can tell you, you can also ask the rideshare driver if you need help with the actions to take for your accident report. 

People who use rideshare services like Lyft deserve to recover compensation if they have been in an accident through no fault of their own. If you have recently been in a Lyft accident, act now before time runs out. You should not have to pay for costly expenses if you are an innocent personal injury victim. Seek legal assistance from a lawyer who has experience successfully representing clients who have been in rideshare accidents. A skilled lawyer who will fiercely fight to protect your rights. Request a consultation with a personal injury right away for more information. 

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Get Out Of A Toxic Work Environment

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In early 2022, five employees from the metropolitan police department in Washington, D.C. filed a lawsuit against the city, citing a toxic work environment. This is a rare case in that everyone in the department appears to be on the same page, citing a hostile workplace; these are past and present employees coming together, alleging sexual harassment and race discrimination. Complaints were made to the head of the department, who seems to have swept these issues under the rug. This case is actually one of four, all alleging the same thing. It does not look good for the police department as the head of the department actually has several citations against him already, none of which were ever acted upon previously.

A toxic workplace is far more common than you might realize, and if you are facing some sort of discrimination, then it’s time to contact a lawyer.

How A Lawyer Can Help

A lawyer can help you file litigation against a discriminatory workplace, but the exact type of attorney that you need will depend on the nature of your claim. If you are claiming discrimination based on disability, race, religion, color, national origin or age, then a civil rights lawyer may be more appropriate. They can also represent anyone alleging retaliation for complaints about illegal harassment or other violations of law in connection with employment matters. It is also helpful to have an employment lawyer if any of these issues relate to your company and not just your own experience. You should find someone who has experience with discrimination cases related to your work and whether they’re federal or state claims too.

What You Need

To make a litigation case, you need to file a law suit with the court, which can take anywhere from six months to three years. You will need to present your arguments with specific proofs and information. The litigation process is long and strenuous and you may incur significant costs due to legal expenses and other financial obligations as a result of your effort.

However, with the right attorney by your side, a long, drawn out case can be avoided. A lawyer will be by your side to guide you so that you know what paperwork and evidence is needed, what kind of case you have, and to answer any questions that come up along the way.

Prepare For Settlement Or Litigation

The first step to getting out of a toxic work environment is figuring out if you need to take legal action. If you have been the victim of harassment and/or discrimination, then it’s in your best interest to talk with an attorney and make sure that what’s happening is legal. If not, the next step is figuring out what you are willing to do about it. There are two main types of remedies: settlement and litigation. Settlement agreements can be made voluntarily by both parties when the wrongdoer agrees to cease the unlawful conduct or pay damages for past incidents. Litigation is court-mandated, meaning someone has to file a complaint and fight for compensation or other benefits. The decision process usually depends on what type of financial loss there was from the misconduct. If there was economic harm as well as emotional distress caused by the actions, it might be time to get out of that toxic work environment. This doesn’t mean you should just walk away from your job without taking any steps first! Talk with an employment lawyer before deciding on anything rash.

To get a case started with a litigation law firm in Washington, DC contact Brown Kiely, LLP for help today.

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Common Myths About Life Insurance That You Shouldn’t Believe

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If you are thinking about purchasing life insurance, you may want to talk to a life insurance agent. Life insurance is important to have, and an insurance agent can help you select the right policy. Here are some common myths about life insurance that you shouldn’t believe.

I’m Too Young to Need Life Insurance

Unlike this popular belief, elderly people aren’t the only ones who need life insurance. In fact, it can be detrimental to wait until you are older to purchase a life insurance policy. The younger you are when you purchase life insurance, the cheaper your policy will be. Life can be very unpredictable, and the unexpected can happen even to young and healthy people. You want your family members to be taken care of in case that happens.

If I Have Sizable Savings, Life Insurance Isn’t Necessary

It’s certainly wise to save money for a rainy day. However, even if you put a lot of money into your savings account, it might still not be enough to support your family if you die suddenly. Your savings may get drained from your medical bills, funeral, and burial costs alone. If you have adequate life insurance, you can rest assured that your family members will be taken care of if the unexpected happens.

I Can’t Afford Life Insurance

One of the most common misconceptions about life insurance is that it’s very expensive. However, it is more affordable than people think. A life insurance agent can determine the cost of your premiums after assessing several factors, such as your age and overall health.

Group Life Insurance Enough

If you have group life insurance through your employer, you might not think it is necessary to purchase an individual life insurance policy. However, group life insurance usually isn’t enough to cover the mortgage, food, and other expenses for your family if you should die suddenly. Purchasing a separate life insurance policy may be a wise decision.

If I’m Single with No Children, I Don’t Need Life Insurance

Just because you are not married or you do not have dependents does not mean that you can’t benefit from purchasing life insurance. If you die, your loved ones can use your life insurance benefits to pay your medical bills, college loans, and other debts.

Schedule a consultation with a life insurance agent today to determine what coverage is right for your situation.

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