Lower Your Total Debt Payments

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 […]

Injured At Work?

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 […]

Hounded By Debt Collectors

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

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

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 […]

Suffering A Dog Bite

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 […]

Fixing Your Debt Problems & Credit

Fixing your 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 […]

For Personal Injury, Don’t Talk To Insurance Adjusters

Don’t talk to an insurance adjuster if you suffer a personal injury.  The first thing you should do is to seek medical attention.  If you have relevant insurance, contact your insurance company immediately and notify them of your injury and what caused it.  After seeking medical attention and doing that, hire a personal injury attorney […]

Negotiating With A Creditor

Are you negotiating with a creditor to try to lower your debt?  Some people do this because they can’t or don’t want to file bankruptcy.  However, negotiating yourself without an attorney can cost you a lot more money than an attorney would cost. A current client who I’ll call Barb (not her real name) wanted […]

Personal Injury? Seek Medical Attention Immediately

If you have a personal injury, seek medical attention immediately.  Many people wait to seek medical attention when they’ve been injured.  Waiting to seek medical attention for an injury can cause both legal and medical problems for you.  As an attorney, I’ll stick to discussing the legal problems that waiting can cause. In order to […]