Three Reasons State Minimum Car Insurance Isn’t Enough

Lawmakers in several states are beginning to look into the minimum state requirements for car insurance. Most of the current rates were set in the 1980s or 1990s, and they are quickly becoming outdated. The minimum coverage does very little to cover the real costs of repairing or replacing a car after an accident. The goal of requiring minimum car insurance is so that the driver responsible for the accident will be able to finance the repairs of the other driver’s car. Today, both drivers are having to chip in their own money to make up the difference between the insurance and the real costs of repairs and medical bills in many situations.

Current Rates Largely Ineffective Personal Injury Coverage Falls Far Short

Medical costs are even worse than the property damage costs. Some states do not even require residents to purchase personal injury coverage in order to drive… Read the rest

Making debt pay off easier with FDCPA

You can make your debt pay off easier with the law set by FDCPA or the Fair Debt Collections Practices Act. It becomes really difficult when your debts get handed over to a collection agency as handling collection agencies are tough. So, it is better to go for bill consolidation even before your debts get handed over to a collection agency. However, if and once your debt gets handed over or is sold off to a collection agency, it is important for you to know the FDCPA in details.

The rules set by FDCPA

The rules as set by FDCPA against the debt collectors are:

The FDCPA restricts debt collectors from contacting any other person or a third party who does not have any relation with the debt. A third party can include your employers, your neighbors and your relatives. However, in case you had taken a co-applicant in… Read the rest

Tiger Woods Divorce Legal Troubles

Tiger Woods has been surrounded by legal difficulties, but more importantly, his golf game has suffered. The problems began for Tiger Woods when his marital infidelities came to light. After a car accident at his home and his wife allegedly smashing his car’s windows, Tiger walked away with a slap on the wrist. No formal charges were filed against him, he was given a small fine for reckless driving, and he received points on his drivers license. There were rumors of infidelity, but then his legal troubles truly began. More than 10 women came forward and claimed to have had intimate relationships with Tiger during his marriage. Tiger publicly admitted his infidelity and asked for forgiveness at a press conference, but the damage was done. Tiger and his wife began living separate lives and divorced.

Tiger took some time off from golf after his press conference. He was allegedly attending… Read the rest

Traps to Avoid in Drafting a Prenuptial Agreement

A prenuptial agreement is a legally-binding contract between two spouses drafted before they get married. Typically, a prenuptial agreement lays out how property acquired by each spouse before and during the marriage is to be divided in the event of divorce.

Every state has laws that provide a default system of how marital property is to be divided in the even of a divorce, but sometimes it results in an outcome that is not satisfactory to either spouse. However, this is simply the default – the rule that applies in the absence of an agreement stating otherwise. Almost every state allows the system to be modified by agreement of the spouses, made either before or after marriage.

There are two types of marital property systems in the U.S. – community property and separate property. Every state in the U.S. uses one or the other, though the details vary from state… Read the rest

Five Helpful Tips in Finding the Right DUI Attorney

When requiring the services of a Phoenix DUI lawyer, residents should consider the overall reputation of the firm and the experience of the specific attorney they plan to utilize. In addition, drivers should consider a number of critical factors before making a final decision on which attorney or legal firm to choose to provide their defense or plead their case before a judge. Here are five tips to help drivers find the best Arizona DUI lawyers.

1. Don’t be afraid to talk money

Many legal firms provide a flat-rate fee structure for DUI cases. This type of fee structure allows drivers to estimate the cost of their defense and to take steps to pay for it before money is due. Furthermore, drivers should avoid automatically choosing the least expensive DUI lawyer, since lower prices will likely translate into a lower level of expertise and service.

1. Experience counts

… Read the rest

Getting Along With Your Ex

Keeping things amicable between you and your ex is easier said than done. Aside from the fact that
the relationship was bad enough to warrant a divorce, most divorce proceedings tend to be drawn out,
ugly affairs. When the dust finally settles, you can find yourself even more upset with your ex now
that you’re apart than you ever were when you were married. If your divorce involves children, it is
important to get along with your ex so that you can set a good example for your children and maintain
your own sanity.

Give Your Ex the Benefit of the Doubt

Especially in the short term after a divorce, emotions are high and you and your ex are no doubt on the
defensive. You feel like every little thing they do that annoys you was done intentionally and their sole
purpose in… Read the rest

Answering Services Increase Billable Hours for Attorneys

If you look at the typical answering service’s customer base you will see a wide variety of different industries that the call center answers calls for. Medical offices, mechanical contractors and service related industries make up a majority of most answering service clientele. The attorney, however, are not a typical client at an answering service. Most call centers answer the phones for a handful of lawyers, but the average service does not cater specifically to attorneys.

An answering service can be an attorney’s best friend. While most attorneys opt to use voicemail to handle after hours emergency calls, some opt to employ an answering service. While there are costs involved in using an answering service, there are many benefits that include an increase in billable hours, making utilizing an answering service a very smart financial strategy that can be employed by many law offices. In addition to increasing billable… Read the rest

Helping Defense Clients Appear “Not Guilty”

First impressions are everything, even in the courtroom. While jurors may be instructed to base their decision on the evidence presented, it is human nature for them to also consider how a defendant looks. When a juror feels that the defendant “looks” guilty, a bias is created that can be difficult to overcome. To give yourself the best chance of appearing innocent, take some time to work on your appearance.

Jurors are humans, and they will make decisions based on appearance. To help counter this tendency, defendants should look like someone the juror can relate to. Rather than looking like someone that the jurors would avoid, look like someone they would be willing to sit down with and talk to.

Start with the Clothes

Clothing should be nice, clean, and conservative. When you are on trial, the best thing to wear is a nice business suit, complete with tie. Women… Read the rest

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