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Don’t put up with illegal debt collection!  Debt collection agencies can be mean, vicious and unprofessional when trying to get a payment from you. Those agencies may not be willing to compromise with a debtor, and often simply do whatever they can to get money out of you, such as intimidation and harassment. You do […]

WRONGFUL DEATH A death suffered by a loved one can be devastating.  If the death was caused by a negligent or reckless action of another person, that devastation is even worse.  The legal term for this is “wrongful death.”  If you are the surviving spouse, parent, or child of the deceased loved one, you may […]

Fixing debt problems with bankruptcy will not ruin your credit, contrary to popular opinion.  In fact, filing bankruptcy can actually fix your credit in addition to its main benefits of getting rid of your debts and protecting you from creditors. First, if you are behind on your bills, your credit is not your biggest problem.  […]

Bicycle accidents are not uncommon.  If you ride a bike, you are in far more danger of being seriously injured or killed by a car than if you’re driving.  On a bicycle, you don’t have thousands of pounds of metal and hard plastic protection that you have when you’re driving a car.  On a bicycle, […]

You can lower your total debt payments, like credit card and medical debts, by consolidating your debts with a chapter 13 bankruptcy.  There are many debt consolidation companies, and a lot of them will rip you off.  However, you can use chapter 13 bankruptcy as a debt consolidation without the fear of being ripped off by a […]

If you are injured at work, your medical expenses and lost wages caused by your injuries are covered by Workers Compensation (Workers Comp).  Workers Comp is insurance that employers are legally required to have that covers employee injuries on the job.  Workers Comp covers all employees, regardless of whether you work full-time or part-time, or […]

Are you being hounded by debt collectors?  There are ways, such as bankruptcy, to get out of debt without fearing or suffering the consequences that some debt collectors threaten.  Let’s look at some of the common threats, whether they’re real, and what a creditor can or cannot do to you. Creditors often tell people behind […]

Bicycle accidents can more easily cause severe injuries or death than accidents only involving autos.  The reason is obvious: in a car, you are surrounded by metal and hard plastic that offers you some protection, and your seat belt will keep you from being thrown onto the road or in front of another vehicle.  On […]

Keep your benefit money separate if you receive unemployment, Social Security, disability, or other government benefits!  This will allow you to protect those benefits in certain instances, such as filing bankruptcy or being sued by a creditor. A person I’ll call Ted (not his real name) with debt problems recently contacted me for help.  Ted […]

Did you suffer a dog bite?  If so, the owner of the dog is liable regardless of the reason that the dog bit you, with only a few exceptions (you were trespassing and/or you provoked the dog are the most common exceptions).  So now that we’ve established that the dog owner is liable for your […]