Sunday, November 8, 2009

Bankruptcy Lawyer Article

Hey Everyone, thanks for visiting today. Here is another article that I thought would compliment my Toms River lawyer blog well, it is about Bankruptcy attorneys. Thanks for visiting my Toms River NJ Lawyer blog!


When Are Bankruptcy Lawyers Needed?
By Kilian Allen




Misconceptions regarding bankruptcy restrict people from opting for it. Bankruptcy is a legally admitted inability to repay debts. Bankruptcy Law has been written to bail out people wailing under debt and assist them to make a fresh start. Bankruptcy is a legal course that aims at giving both the debtor and the creditor a level playing field. Bankruptcy lawyers help people decide their course of action if it becomes difficult or impossible for them to honor their obligations.



When are Bankruptcy Lawyers needed?



When a person's debts are higher that his/her assets, bankruptcy lawyers help get out of this financial hole. Declaring bankruptcy involves wiping out or repaying debt under court protection. There are two types of bankruptcy filings:



  • Chapter 7 bankruptcy: This wipes out a person's debt usually over a period of four months. Also called Straight Bankruptcy, it lets the concerned person make a fresh start. As per the law, assets of a person falling in the nonexempt category are sold or liquidated to repay the unsecured debts. However, in most cases, people do not lose any property.
  • Chapter 13 bankruptcy: This outlines consolidation bankruptcy. In other words, debt is reorganized. All the debts are rolled into single monthly payments. Under this type of bankruptcy, the debtor does not lose any of his assets. Creditors are restricted by the court from directly approaching the debtor.
How to Choose Bankruptcy Lawyers



A bankruptcy lawyer is the right person to advise you on whether you should file for bankruptcy. The attorney would assist you with planning for the bankruptcy, costs involved, and the process of filing. Most importantly, you would receive advice on how to rebuild your credit after the bankruptcy filing.



There are a large number of bankruptcy lawyers and making the selection could be a time consuming task. However, here are some points that you can keep in mind to select the perfect attorney for you:

  • Experience: Ensure that you contact attorneys with experience. Such lawyers will have an insight into the law and how to position your case in the most favorable way.
  • Specialization: Ensure that you choose attorneys who are specialized in this field. A lawyer may have been practicing for a number of years, but what is important is relevant experience.
  • Comfort: It is important that you are totally comfortable with the attorney and can discuss things freely with him/her.
  • Size of the firm: While a big firm always brings to mind "credibility," small firms are able to offer more personalized services and care. Moreover, small firms have lower overheads and will charge less than big firms.




Bankruptcy lawyer San Antonio - Malaise Law Firm accepts bankruptcy cases serving the people in San Antonio, Texas. Call 1-800-BANKRUPT or 1-800-226-5787 for free consultation.



Malaise Law Firm enjoys a keen reputation of offering personalized and expert advice. With offices in Austin, Dallas, Fort Worth, Houston, San Antonio, Corpus Christi, Brownsville, Harlingen, and McAllen, the firm's bankruptcy lawyers have experience in varied cases.



Disclaimer & Legal Representation



Information on this web site is for educational purposes only. It is not intended as a substitute for legal advice or representation. Any information pertaining to your legal affairs should be submitted to Malaise Law Firm. Malaise Law Firm is providing information and services on the Internet as a benefit and service in furtherance of a perceived obligation to provide legal information as a public service. Malaise Law Firm makes no representations about the suitability of this information and these services for any purpose.



Article Source: http://EzineArticles.com/?expert=Kilian_Allen
http://EzineArticles.com/?When-Are-Bankruptcy-Lawyers-Needed?&id=2924804

Toms River Injury Attorney Article

Hey Everyone, thanks for visiting today. Here is another article that I thought would compliment my consolidate debt blog well, it is about personal injury attorneys. Thanks for visiting my site! What to Expect in a Personal Injury Case

What to Expect in a Personal Injury Case
By Kenneth Vercammen

The procedures in a Plaintiff personal injury case may take from six months to several years, and a client's patience may be sorely tried during this time. However, it has been our experience that clients who are forewarned have a much higher tolerance level for the slowly turning wheels of justice. The following a is portion of the details you may wish to inform your new personal injury clients after you have been retained:

Procedurally, the following events occur in most personal injury cases. First, your Attorney must complete the investigation and file. This will involve the collection of data from your physician, your employer, and our investigator. When we feel that we have sufficient information to form an opinion as to the financial extent of your damages, we will commence negotiations with the opposition for a settlement.

1. Doctor/ Treatment

It will help your case to tell us and your doctors about any injury or medical problems before or after your accident. Good cases can be lost by the injured person's concealing or forgetting an earlier or later injury or medical problem. Insurance companies keep a record of any and all claims against any insurance company. The insurance company is sure to find out if you have ever made a previous claim.

Tell your doctors all of your complaints. The doctor's records can only be as complete as what you have given. Keep track of all prescriptions and medicines taken and the bills therefore. Also save all bottles or containers of medicine.

2. Diary

You should keep a diary of your experiences since your accident. In addition to this daily record, we also ask you to start describing a single day in the course of your life. In other words, describe what you do when you get up in the morning, the first thing you do after you go to work, what type of work and effort do you put into your employment, what activities you engage in after work, etc.

In other words, we need you to describe the changes in your working life, your playing life, your life as a husband or wife or child or parent. In your written description of your day, we would appreciate your explanation in the greatest detail possible and in your own words how the accident and subsequent injuries have affected your life, your personality, and your outlook.

And remember that suffering does not entail mere physical pain; suffering can be emotional and can be transmitted to your family and friends, at work and at play. When you have completed this description, please return it to this office in the enclosed envelope.

Keep a diary of all matters concerning this accident--no matter how trivial you think it may be. You should include notes on the treatments you receive, therapy, casts, appliances, hospitalization, change of doctors, change of medication, symptoms, recurrence, setbacks, disabilities and inconveniences. If you have any doubt about the propriety of including some particular information, please call the office and let us assist you.

3. Record Medical and out of pocket expenses

You can also begin to set up a system for recording the expenses incurred in conjunction with your claim in minute detail. Medical and legal expenses are a strong part of the value of your lawsuit, so good records of these expenses must be kept at all times. Your attorney will keep track of your legal expenses, which may include costs of filing, service of process, investigation, reports, depositions, witness fees, jury fees, etc.

From time to time, however, there will be expenses incurred that you must keep track of yourself. We ask you to make every effort to avoid any possible error or inaccuracy as jurors have a relentless reverence for the truth. Keep your canceled checks and your list of expenses together, for we will need them at a later date.

Altogether, these procedures may take from six months to several years, and your patience may be sorely tried during this time. However, it has been our experience that clients who are forewarned have a much higher tolerance level for the slowly turning wheels of justice.

4. Do not discuss the case

The insurance company may telephone you and record the conversation or send an adjuster (investigator) who may carry a concealed tape recorder. You should not discuss your case with anyone.

Obviously, we cannot stress too strongly that you not discuss this matter with anyone but your attorney or immediate, trusted family. You should sign no documents without the consent of this office. Remember that at all times you may be photographed and investigated by the opposition. If you follow the simple precautions which we have set out in your checklist, we feel that we will be able to obtain a fair and appropriate amount for your injuries. If you get any letters from anyone in connection with your case, mail or fax them to your attorney immediately.

5, Questioning

If any person approaches you with respect to this accident without your attorney's permission, make complete notes regarding the incident. These notes should include the name and address of the party, a description of the person, and a narrative description of what was said or done. Under no circumstances should you answer any question(s). All questions should be referred to your attorney's office.

6. Bills

Retain all bills which relate to your damages, including medical expenses, hospital expenses, drugs and medicines, therapy, appliances, and anything needed to assist in your recovery. If possible, pay these bills by check or money order, so that a complete record may be kept. If this is not possible, be certain to obtain a complete receipt with the bill heading on it, to indicate where the receipt came from and the party issuing it.

7. Evidence

Be certain to keep anything that comes into your possession which might be used as evidence in your case, such as shoes, clothing, glasses, photographs, defective machinery, defective parts, foreign substances which may have been a factor in your accident, etc. Be sure to let the office know that you have these items in your possession.

8. Photographs

Take photographs of all motor vehicles, machinery, appliances, etc., that may be connected--directly or indirectly--with your accident. Again, be sure to let the office know that you have such photographs.

9. Keep Your Attorney Advised

Keep this office advised at all times with respect to changes in address, important changes in medical treatment, termination of treatment, termination of employment, resumption of employment, or any other unusual change in your life.

10. Insurance Reports

Before making any report to your insurance company, consult with this office on the advisability of the type of reports to be made concerning liability, medical payment coverage, property damage, or other claims under your policy, or claims against your own policy by a third party.

11. Lost Wages

Keep a complete record of all lost wages. Obtain a statement from your company outlining the time you have lost, the rate of salary you are paid, the hours you work per week, your average weekly salary, and any losses suffered as a result of this accident. Where possible, also obtain other types of evidence such as ledger sheets, copies of time cards, canceled checks, check stubs, vouchers, pay slips, etc.

12. New Information

In the event that any new information concerning the evidence in this case comes to your attention, report this to the Attorney immediately. This is particularly true in the case of witnesses who have heretofore been unavailable.

13. Surveillance

Remember at all times that you may be under surveillance and, therefore, subject to being photographed or filmed by the adverse party. Be advised that there are cases where photographs and films have been introduced in court showing claimants who were allegedly in serious condition participating in activities which they alleged they were unable to do. You do not have to live in fear of being photographed, of course, if your cause is a just one.

14. Filing of Complaint

If early settlement is not productive, then a complaint is filed, and the parties served with notice that a claim has been made. The opposition then is given a fixed time to file what is known as an "Answer." The Answer if usually followed by a request for written interrogatories. These are questions that must be answered by the claimant with the aid of counsel. Generally, written interrogatories are followed by the taking of depositions, which is recorded testimony given under oath by any person the opposition wishes to question.

However, when carrying on your usual activities, keep in mind at all times that you are subject to investigation. If you have been seriously injured, do not do anything that will jeopardize your case during the course of your daily life. You should always follow your doctor's advice. If you have to do things which cause you pain, this can usually be explained to the full satisfaction of any court or jury.

There are cases where the insurance agent has attempted to discredit a personal injury plaintiff by taking movies of the claimant engaged in various physical activities. In one case, large rocks weighing over one hundred pounds were placed at the door of the garage during the night so that claimant would have to be forced to remove the rocks in order to drive to work. This, of course, was filmed and used to discredit the plaintiff's claim in court.

Kenneth Vercammen, Esq.

Kenneth A. Vercammen is the Managing Attorney at Kenneth Vercammen & Associates in Edison, NJ. He is a New Jersey trial attorney has devoted a substantial portion of his professional time to the preparation and trial of litigated matters. He has appears in Courts throughout New Jersey each week on personal injury matters, Criminal /Municipal Court trials, and contested Probate hearings.

Mr. Vercammen has published over 125 legal articles in national and New Jersey publications on criminal, elder law, probate and litigation topics. He is a highly regarded lecturer on litigation issues for the American Bar Association, NJ ICLE, New Jersey State Bar Association and Middlesex County Bar Association. His articles have been published in noted publications included New Jersey Law Journal, ABA Law Practice Management Magazine, and New Jersey Lawyer. He is the Editor in Chief of the New Jersey Municipal Court Law Review.

He is chair of the Elder Law Committee of the American Bar Association General Practice Section. He is also Editor of the ABA Estate Planning Probate Committee Newsletter and also the Criminal Law Committee newsletter. Mr. Vercammen is a recipient of the NJSBA- YLD Service to the Bar Award. And Winner "Municipal Court Attorney of the Year" from the NJ State Bar Association-

He is a 22 year active member of the American Bar Association.

-ABA General Practice Division
- Chair Probate & Estate Planning Committee Deputy Chair
- Criminal Law Committee
-Law Practice Management- Past National YLD Liaison and speaker at Annual meetings
-ABA Criminal Justice Section
-ABA Real Property, Probate & Trust Section
-YLD- Past Chair of Law Practice Management Committee

Mr. Vercammen is admitted to practice in New Jersey, New York and Pennsylvania, and before the United States Supreme Court and the United States District Court. He is Past Chair of the New Jersey State Bar Association Municipal Court Section, Chair of the Municipal Court Education Committee and a member of the NJSBA's General Practice Section Board of Directors.

He established the NJlaws website http://www.njlaws.com which includes many articles on Elder Law. Mr. Vercammen received his B.S., cum laude, from the University of Scranton and his J.D. from Widener/Delaware Law School, where he was the Case Note Editor of the Delaware Law Forum, a member of the Law Review and the winner of the Delaware Trial Competition.

KENNETH VERCAMMEN & ASSOCIATES, PC
ATTORNEY AT LAW
2053 Woodbridge Ave.
Edison, NJ 08817
(Phone) 732-572-0500
(Fax) 732-572-0030

website: http://www.njlaws.com

Article Source: http://EzineArticles.com/?expert=Kenneth_Vercammen
http://EzineArticles.com/?What-to-Expect-in-a-Personal-Injury-Case&id=837174

Great New Jersey Personal Injury Lawyer Article

Hey guys, check out this great article that I found on New Jersey lawyers. It contains good basic info on personal injury lawyers. Thanks for visiting my blog, and if you want come check out my blog on Toms River lawyers.




New Jersey Personal Injury Lawyer -New Jersey Personal Injury Lawyers

By Richard Romando




It is often observed that people who are involved in personal injury cases do not seek any help or guidance from a personal injury lawyer. The main reason for this is the fear that doing so can be too expensive and complicated. One of the major drawbacks in any personal injury case is the stress and expenditure associated with filing the case and other court proceedings. However, in New Jersey there are many law firms that have the capacity to completely alleviate those fears. Today, getting the services of a New Jersey personal injury lawyer is an easy task.



A personal injury lawyer is needed when a person decides to claim compensation for pain and suffering that is caused by a personal injury. Filling a personal injury claim in the case of negligence is essential for anyone. This kind of legal action helps create awareness among people and also acts as a note of caution to other fraudulent companies or people.



New Jersey personal injury lawyers are specialized in offering various personal injury services, such as handling cases of auto or car accidents, aviation disasters, plane crashes, or accidents. Personal injury lawyers evaluate the case and inform their clients about the amount of compensation. The personal injury lawyers help their client get the maximum possible compensation. Some of the personal injury lawyers work on a contingency basis, charging compensation only if their client wins the case.



Some personal injury lawyers also work on a pro bono basis to help people who do not have adequate finances to fight their case. This kind of help is also provided by the lawyers of charitable and non-profit organizations.



Experienced and proficient legal counsel is very important in any personal injury case. New Jersey has a number of such proficient lawyers who help fight personal injury cases. Most people seek references from family and friends, rather than go through the listings available, to select a personal injury lawyer.




Injury Lawyers provides detailed information on Injury Lawyers, Personal Injury Lawyers, Brain Injury Lawyers, Birth Injury Lawyers and more. Injury Lawyers is affiliated with Brain Injury Attorneys.



Article Source: http://EzineArticles.com/?expert=Richard_Romando
http://EzineArticles.com/?New-Jersey-Personal-Injury-Lawyers&id=354278