When And Why Do I Need a Personal Injury Lawyer?

Being injured is a natural phenomenon, however, if the injury is caused by someone else, then the chances are that it is the time to file some claims. A person injured can go through a lot of questions in mind like for example, the amount of the overall medical expenses, the income which is lost as a result of injury, and the adjustment to the current situations. In some instances, it becomes important to hire the personal injury lawyer as they can assist and guide through the entire procedure in a systematic way being an expert on the issue under consideration.

Among all the lawyers available in the industry, take a look at personal injury lawyers and see if they can be of help in assisting the personal injury case. The technological advancement has given the power to the users of the modern age to get an idea about anyone by reading up the reviews which can easily be available on the internet.

When Does Hiring A Personal Injury Lawyers Becomes A Must?

The answer to this specific question is quite simple it is possible to file the claims all by oneself, but it is always better to be on the safe side by hiring a professional who knows what they are doing. It requires a lot of paperwork, and after that, a person represents himself or herself in the court to get the claims which have been filed personally, and the result might or might not be unexpected. That is, the claim can be less than what is usually expected. Knowing the personal injury law can be of help to some extent.

Proving the case in the court takes a lot of effort as there might be a need to present the witness, have complete know-how of the documents which are being submitted by the defendant, and a lot other related complex procedures have to be followed including the settlement out of court. Then there is also the insurance agency which also has to be dealt with.

Benefits Of Hiring The Personal Injury Lawyer

With the help of a professional lawyer having expertise in dealing the injury cases, it is likely to become a lot easier to carry out the entire process involving the lengthy and complex procedures. The professional lawyers can also assist in attaining the fair settlement.

Work Performed By Personal Injury Lawyer

A Personal Injury Lawyer who is great at his profession would value the clients, he would listen to them, collect the relevant data and information and would prepare the case accordingly keeping in view the provided facts. A professional lawyer is likely to show the following qualities:

-Personal handling of the case by listening to all the relevant and required information.
-Assessing the overall losses.
-Gathering the evidence.
-Taking interviews with the witnesses.
-Dealing the insurance companies.
-Offering settlements which are favorable from the client’s perspective.

Tips On Choosing A Personal Injury Lawyer

There are various options to find and select the personal injury lawyers as a lot of information is now available online. The technological advancement has enabled the users to find all the relevant information online with a simple click on the search engine. A list of different lawyers can be attained who can be contacted through the website, phone number, or also through the provided email address. It is also possible to place a call and ask the relevant questions.

Another option to find and select the personal injury lawyer is by asking the friends and the family members as they might have an idea about someone who might have helped them or their friends in the past.

An appointment can be booked to discuss the situation, and the consultation charges are likely to be free, or a reduced cost can be applied to the hourly rate. However, it depends on the chosen personal injury lawyers.

Questions & Answers

After booking the appointment with a personal injury lawyer, a person is likely to have a lot of questions in mind. It is better to know the questions beforehand so that the appointment can be a success in choosing the right person. Some of the following questions can be of help:

-What is the lawyer’s overall experience in the field?
-Has the lawyer handled a similar case in the past?
-What is the billing procedure followed by the lawyer?
-How to contact the lawyer for the day to day questions?
-Whether the lawyer belong to any professional organization?

And a lot more like these can be prepared in advance to get an idea about the professionalism of the personal injury lawyer.

For more information about personal injury lawsuits and legal issues in Vancouver and surrounding areas, contact Tim Louis & Company today:

Tim Louis & Company – Personal Injury Lawyer Vancouver BC – ICBC Claims & Car Accidents
208 – 175 East Broadway,  Vancouver, BC V5T 1W2
(604) 732-7678

Click Here to contact them

Helpful Tips For Filing Bankruptcy

If you have loads of debt, you’ve probably considered filing for bankruptcy. This article discusses the following three things:

  • The pros and cons of declaring bankruptcy
  • Five popular myths of filing bankruptcy
  • Whether or not bankruptcy is right for you

Define Bankruptcy

Bankruptcy is a federal process that relieves individuals from debt so that they can start over financially. It was designed to help debtors get a new financial future without being pressured by existing creditors.

What are the Various Bankruptcy Options for Individuals

There are two types of bankruptcy options for individuals, and they are Chapter 7 and Chapter 13.

Your non-exempt assets are liquidated to pay creditors with a Chapter 7 bankruptcy. This option is suitable for anyone with unsecured debt such as credit cards, medical bills, and other unsecured debt. This is also the best choice if you don’t have a source of income. Be advised that a Chapter 7 bankruptcy remains on your credit report for ten years.

Your debts are reorganized or adjusted via a repayment plan with a Chapter 13 bankruptcy. If you have income but want to keep your home, this is the best choice for you. It allows you to pay down existing debts. Be advised that a Chapter 13 bankruptcy remains on your credit report for seven years.

Pros of Filing Bankruptcy

When you file bankruptcy, creditors can no longer attempt to collect money from you. They must stop calling, sending collection letters, garnishing your wages and filing lawsuits. Also, they can no longer attempt to seize your assets, unless it is due to child support or alimony.

If you win your bankruptcy case, the court usually discharges the debt. This means that you never have to pay debts back.

Cons of Filing Bankruptcy

You’ve probably dreamed of making your creditors go away. But there are disadvantages of declaring bankruptcy. You’ll still have to pay your mortgage, taxes, alimony, student loans, and child support. Also, the court may require that you sell nonexempt properties.

Most importantly, your credit score is negatively impacted when you file for bankruptcy. But then again, it may already be low if you have numerous debts. Also, all credit reporting agencies must show that you’ve filed for bankruptcy.

Even if you never intend to accumulate debt again, the damage has already been done. Bankruptcy not only makes it hard to get future credit or loans, but it also hurts your chances to get an apartment or new job. Companies look at credit reports when hiring new employees or approving housing applications.

For example, they could make you pay higher insurance rates and security deposits. Or you could be denied a good job or rental property because of bankruptcy.

5 Popular Bankruptcy Myths

Bankruptcies do more than decrease your ability to get future credit. But there are numerous myths about filing for bankruptcy that you need to be aware of. The following 5 are the top ones:

  1. If you say it in public, it’s a valid bankruptcy- You cannot just “say” that you declare bankruptcy. There are things that you have to do to make it valid. For instance, you must pay a fee, complete credit counseling and complete loads of legal documentation.
  2. You Can’t File for Bankruptcy Multiple Times- Anyone can file for bankruptcy more than one time. You can get a discharge from Chapter 7 every eight years, and get a discharge from Chapter 13 every two years. Also, if you finish Chapter 7, six years must pass before you can receive a Chapter 13 discharge. Also, if receive a Chapter 13 discharge, four years must pass before you can receive a Chapter 7 discharge.
  3. Filing Bankruptcy Negatively Impacts Your Spouse- If you file bankruptcy, this does not impact your spouse’s credit. However, if the debt is in both names, you should both file for bankruptcy. If only one file, creditors will still come after the spouse that did not file.
  4. You Can Get Jail Time for Outstanding Debts- Although debt collectors will tell you otherwise, no one can put you in jail because of your outstanding debts. Being in debt isn’t against the law in the United States. Yes, creditors can sue you, put liens on your property or garnish wages, but they cannot put you in jail. If you commit fraud, hide property, don’t pay taxes or avoid a judgment, then you’ve committed a crime that is punishable by jail time.
  5. Filing for Bankruptcy is Expensive- It costs no more than $300 for each type of bankruptcy. Unfortunately, it does cost money to hire a lawyer, and this can range anywhere from $2,000 to $4,000. The actual amount depends on the law firm and type of bankruptcy needed. Some people try to save money by filing without hiring a lawyer, but this is not recommended. You might end up spending more money or causing more damage in the long run.

When to File for Bankruptcy

Work with your creditors. Don’t automatically resort to filing for bankruptcy before researching your options. You could find a one that is better than declaring bankruptcy.

There are plenty of solutions designed to reduce or eliminate financial problems. Research other options such as credit card consolidation, credit counseling, loan refinancing or loan modification. Each one of these options is advantageous for different types of financial issues. You should only consider bankruptcy for the following reasons:

  • You have no income or savings to repay debts
  • Your taxes are delinquent
  • Your home is near foreclosure
  • Your wages are garnished
  • Creditors are filing lawsuits

Not everyone has the same financial situation. This is why you can’t assume that a debt solution works the same for everyone. If you feel overwhelmed, do not try to solve your financial issues on your own. Get professional help to research options that can help to alleviate financial problems before they get out of hand.

Special thanks to our friends at the Law Offices of Rodney K. Okano in Las Vegas for this piece: