By financen | April 12, 2018 - 6:31 pm - Posted in Law, Lawyers

If you believe that you should receive child support from an absent parent or from a parent who no longer lives in the home but who does interact physically with the child, then it’s best to seek the advice and assistance of an attorney. Find an attorney who specializes in family law as this is usually the kind of case that the attorney deals with all the time instead of someone who works in criminal law. Take any documents supporting how you support your child, any extracurricular activities that the child does, and your income to the attorney. All of this information will be filed so that it can be reviewed by the judge. The other parent’s information will also be taken into consideration as well as any other children that the absent parent supports.

When speaking with child support lawyers Pasco County offers, it’s important to be honest about your situation and to be willing to work with the other parent if there is still any involvement in the child’s life. Be honest about all of the income that you receive as well as all of the expenses that you have. Most of the time, the judge will combine the incomes of both parents and take a percentage of what is made and how much is required to support the child to determine a final amount. Most states have worksheets online that you can use to get an idea of how much could be ordered. Make sure that your attorney orders automatic reviews in case the income of the absent parent increases as this will usually mean an increase in the amount of support that you receive. Provide receipts for anything that you pay for that the child does aside from utilities or a house payment, such as sports or tutoring.

By financen | - 6:28 pm - Posted in Law, Law Firm

There will eventually come a time in your life when you will need the services of a legal professional. When this time comes, you need to be certain that you hire the right person for the job. Otherwise, you could have a big problem winning your case. There is seemingly a lawyer’s office on every corner. However, do not allow yourself to be fooled. The skill and legal knowledge that lawyers have is not always the same. Be sure of the qualifications of the lawyer that you end up hiring. Here are a few of the best ways that you will be able to track down a law firm with a great reputation.

1. You should consult the Better Business Bureau to find out all of the data they have compiled about various law firms.

It would be to your benefit to take a look at the site that is operated by the BBB. They have profiles for many law firms. This is why you should read all of the info about any law firm that you are strongly considering to use for your legal representation. Pay very close attention to the letter grade that the BBB had given to each law firm. You should only be interested in hiring a law firm that has been given an A+ rating. The BBB can help you find a great bankruptcy lawyer St Louis.

2. Seek out friends and family members who have been victorious in recent court cases.

Try to find people who were recently in the same situation that you are in right now. Perhaps some of the people you know needed to hire a lawyer not long ago. Who did they hire? How did they find this lawyer? What sort of case was it? How long did the case take to complete? How much did the lawyer charge? Talking to the people in your life might give you some references to very good lawyers who work in your area.

3. How much experience does the lawyer have?

For obvious reasons, you need to be certain that the lawyer you hire has been practicing for at least nine years. You want to avoid hiring someone to be your legal counsel if they have not been out of law school for very long. The experience of your lawyer can be critical if you go to court.

By financen | December 8, 2017 - 3:51 pm - Posted in Law, Laws, Legal

Alimony isn’t awarded as much today as it was decades ago, but it’s still an existing part of divorce even in this day and age. When a dependent spouse ends a marriage or their partner ends a marriage, it can be a financial crisis for them and they may not be able to support themselves. For someone in a very long-term marriage (Over 17 years), this is something that the courts take very seriously. A marriage of this length often requires sacrifices on the part of the dependent spouse that makes them vulnerable to financial difficulty after the marriage has ended. For marriages of these lengths, courts are likely to award some form of alimony on perhaps a permanent basis.

For shorter marriages, especially short-term marriages (less than 7 years), there will be something called durational alimony. In regards to durational alimony Florida courts consider it to be a more short-term arrangement that will not proceed throughout the dependent spouse’s life. When there is going to be an extreme difficulty financially on the part of a spouse who was dependent during even a short marriage, a court can take a look at durational alimony and see if it should be applied to the divorce decree.

Lawyers are best able to tell you if you’re going to be able to get any type of alimony at all. Most spouses will not get permanent alimony, but there will be those rare instances where people who are married such a long time may be able to qualify for this type of alimony. And durational alimony is even less likely to be awarded because it’s typically considered in cases where the marriage lasted less than 7 years.

No dependent spouse should overlook the possibility of alimony. When you’re married to someone and sacrifice your own financial freedom, you have the right to at the very least discuss alimony with a lawyer to look out for your best interests. While some people choose not to even address the subject of alimony, there’s always a chance that your lawyer might want to pursue alimony for you if you’re a dependent spouse. And there’s absolutely nothing wrong with durational alimony. It’s a good way to compensate a dependent spouse for the financial security they sacrificed, but only for a short period of time in relation to the length of time married.

Comments Off on Understanding The Types Of Alimony
By financen | June 3, 2016 - 5:42 pm - Posted in Banking, Bankruptcy, Job, Law

Toward the end of adolescence and continuing straight on through to “over the hill,” many Americans spend the majority of those years working. Assuming that the average person works 40 hours a week for 50 weeks a year from the age of 20 until 65, that’s 90,360 hours at work. With all that time spent on the job, it’s no surprise that a large number of accidents and injuries occur in the workplace. While all employees deserve to return home at the end of their work day alive and uninjured, the reality is that not everyone does. According to the Occupational Safety and Health Administration, more than 4,600 workers died on the job in 2014 and more than three million others suffered serious, non-fatal injuries at work. These alarming numbers include multiple categories of workers with varying levels of healthcare coverage: employees and independent contractors, full-time and part-time, temporary and permanent.

While the Affordable Care Act has given more people access to health insurance, medical bills and related costs can leave injured workers in a tough spot. Co-pays, high deductibles, co-insurance, travel to and from healthcare facilities, lost wages and daycare costs are just a few of the expenses that can add up quickly. A well-known actuarial firm that has published a medical index for the last 15 years known as the MMI (Milliman Medical Index) calculates that the average healthcare cost for a family of four has more than tripled since its value of $8,414 in 2001 and now stands at $25,826. This rate of increase exceeds the growth in the consumer price index (CPI) for medical services as well as the average two percent annual increase in median household income between 2004 and 2014. Compared to employers, employees are now responsible for more of the healthcare costs than they were 15 years ago – they now pay 43 percent, up from 39 percent 15 years ago.

It’s not hard to see how getting hurt at work can be financially devastating. Over the past decade, the average amount that middle-income households spent on health care increased by 51 percent, which is nearly double the growth in their incomes (30 percent) and three times the rate of growth in their spending for all other products and services. It’s no wonder then that unpaid medical bills are the number one cause of personal bankruptcy filings (62 percent), surpassing both credit card and mortgage debt. Job loss is another reason that people are unable to pay off their debts. Spending more than you make is easy to do when you have no income. Losing a job also means losing health insurance if you are the plan subscriber, and the high cost of COBRA insurance can be hard to sustain for long. Imagine, then, the economic difficulties experienced by someone who has the all-too-common experience of being injured at work and then losing that job, whether due to layoff, termination, or resignation.bankruptcy

Bleak financial scenarios are one very important reason to take steps to protect yourself if you have a jobsite-induced injury or illness. Whether it was an acute traumatic injury (like falling from a ladder) or a cumulative-trauma injury (such as carpal-tunnel syndrome), there are a few basic things you should do to protect yourself.

Report it. Tell your manager, supervisor, company nurse, union representative – whoever is in charge. Be clear about how the injury happened and that it happened at work. Report it immediately even if you think you are not seriously hurt. That knee you twisted or back you strained might not require medical treatment until a few days later, and then your employer can claim you were injured someplace else. While you are usually allowed between 30 to 90 days depending on your state, some companies impose shorter deadlines and can issue formal reprimands or suspensions of pay for not reporting an accident in accordance with their policies.

Keep good records. Being organized and having proof can make the difference between winning and losing financial reimbursement for a workplace injury claim. There will be medical reports, incident reports, and insurance paperwork, but you can also help yourself by keeping detailed documents of conversations and employment actions. Request copies of any papers your employer keeps on the incident and hold on to paystubs and timesheets showing income and hours worked. What you don’t document may not be covered, so try to keep a thorough record of all expenses that are a direct result of your work-related injury.

Consider contacting an attorney. Cases involving a workplace accident can be very complicated and can involve doctors, physical therapists, independent medical consultants, adjusters, insurance company lawyers, co-workers, equipment manufacturers, maintenance companies, and more. Because it may be difficult to determine all of the details and sort out all of the necessary parties, having your case evaluated by an attorney will maximize your compensation. Many workplace injury lawyers offer free initial consultations, so it’s often worth your time to talk to an attorney who can help while you are dealing with the aftermath of a serious injury or illness.

Workplaceinjuries stem from a wide range of incidents and an even wider range of causes. Some of the more common injuries include bodily reaction (bending, reaching, climbing, etc.), being caught in or between objects, falling from heights, repetitive motion, overexertion, slips and falls, falling objects, and vehicle accidents. Of course, construction workers have different on-the-job hazards than office personnel, but all workers can help themselves by practicing safe work habits appropriate for their jobs. Keeping work areas free of clutter and taking care not to rush (many injuries occur when people hurry and take shortcuts) are two practices that can benefit virtually any worker.

Things can go wrong even in the best run business, but not every employee is able to build up an emergency fund to draw from in the event they get hurt. Medical bills should not lead to financial ruin.Depending on the circumstances, there may be grounds for a legal cause of action. At a minimum, an experienced work injury lawyer may be able to advise you on your options, including negotiating with the medical providers, seeking out help from federal and state entities, and whether bankruptcy is truly the best choice for your situation.

Author: David Mann is a workers’ compensation attorney located in Macon, Georgia. He’s a member of the Georgia Trial Lawyers Association and is a past president of the Middle Georgia Trial Lawyers Association.

Comments Off on Getting Hurt on the Job Can Irreparably Harm Your Bank Account
By financen | June 28, 2012 - 4:48 pm - Posted in Law

Earlier before the Structured Settlement Protection Act took place, there were many activities that were termed as abuse. Hence many states elected to implement this law modeled after a template created and enacted by the National Conference of Insurance Legislators. Now, there are almost 46 states following this law, protecting those who have received structured settlements in the past and want to change to a lump sum settlement for part or all of any remaining payments.

Structured Settlement Protection Act

Structured Settlement Protection Act

There are some components that are similar in many states laws that cover transfers. For example, the statements of full disclosure should be sent to the seller prior the transaction is complete. The seller can inquire about every aspect of the transaction terms and how it will affect the amount of money that is received. The terms should be mentioned in a straightforward manner and the language should be kept so simple that it could be easily understood by a relatively uneducated person.

As per the laws or the statutes, a notice must be given to certain parties as part of the transaction, who in turn will be affected by the actions when the transactions is completed. This mandate prevents a deal from being completed without some interested parties being made aware of components included within the transaction.

It is a good idea if the seller consults with the appropriate professionals about the terms of the proposed assignment of future payments that is included in the statutes in most states. These professionals will be very knowledgeable about the legal matters. Sometimes, they might be tax consultants or financial planners.

The most significant clause in the statutes is that it has to be approved by the court and it should be in the best interest of the seller. The court is required to look at the best interests of any dependents.

Structured Settlement Protection Act is designed to protect every common individual. Since the approval of the transaction is done by the third party i.e. the court after a thorough review, this protection is as good as the review and ruling by the judge or fact finder in the case.

More information about Structured Settlement Protection Act:

http://apps.leg.wa.gov/rcw/default.aspx?cite=19.205&full=true

http://en.wikipedia.org/wiki/Structured_settlement

Comments Off on Elements of the Structured Settlement Protection Act