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Home owners’ Options to Stop Foreclosures Sep22

Home owners’ Options to Stop Foreclosures...

Foreclosure law gives mortgage lenders the power to repossess and sell homes when borrowers default on loans. The proceeds of the sale are used to pay the loan balance and the buyer takes the home mortgage-free. If the sale proceeds aren’t enough to pay the loan, the borrower can receive a deficiency judgement and they can lose their home. Foreclosures are expensive and slow, and many lenders will work with borrowers to ensure that loans are paid. Keeping the Home and Stopping Foreclosure Foreclosure is handled differently by jurisdiction, but the results are the same: the borrower loses the right to occupy the home. For borrowers with significant assets, several options allow them to keep the home. Before a home is sold at a foreclosure sale, borrowers can pay the loan in full and, in some cases, they can catch up on missed payments and late fees, reinstating the loan and stopping foreclosure. A loan modification is another way for a home owner to retain their property. These involve the lender’s agreement to amend the loan’s terms to make it easier for the borrower to pay. Changes are done permanently, and they typically involve lowering the payment by extending the loan term. Some government programs can help borrowers by subsidizing certain modifications. Choices for Home owners Who Are Willing to Give up the Home In some cases, a borrower may not wish to keep the home, which is typical in situations where what is owed is more than the home is worth. When confronted with an unaffordable loan payment, the borrower might be looking for an easy escape, and a deed in lieu is usually the best option; here, the home owner signs the home away and they can stop foreclosures. Avoiding a Default...

A Drug Crime Lawyer Can Help Keep A Person’s Record Clean Sep11

A Drug Crime Lawyer Can Help Keep A Person’s Record Clean...

With the United States putting more people in prison due to drugs than any other country in the world, some people have started to question the drug war. Voters in some states have even voted to make marijuana legal for adults over a certain age to buy and possess. Even though the debate over the drug war rages on, people are still getting arrested, charged, convicted, and institutionalized for drug crimes. The services of a Drug Crime Lawyer are even needed for people living in states where marijuana is legal. Why? Because people can still be charged with federal marijuana crimes. Drug crimes can carry serious consequences. There are still mandatory minimums in place for non-violent drug offenders. What this means is that non-violent offenders can often end up with longer sentences than convicted murderers. Some of these laws were put into place during the 1980s and 1990s when the crack epidemic was happening. Since that time, some of these laws have been changed, but drug offenders in certain areas can still end up facing extended sentences due to mandatory minimums. This is why those who are charged with drug crimes need to seek the help of a Drug Crime Lawyer immediately. Drug charges should never be taken lightly. Since public feeling seems to be changing about drug crimes, drug offenders have more chances to avoid serious consequences if they work with a lawyer. Some jurisdictions are now focused more on treatment than on sending people to jail. If drug offenders finish treatment programs and avoid any trouble, they can go on with their lives without having to deal with a drug conviction being on their record. Even if people avoid incarceration, convictions for drug crimes can haunt them forever. Job opportunities will be...

Bankruptcy In Georgia Is Different And Requires A Bankruptcy Lawyer In Villa Rica GA Sep11

Bankruptcy In Georgia Is Different And Requires A Bankruptcy Lawyer In Villa Rica GA...

Filing for Chapter 7 or Chapter 13 in Georgia is different than other states because there are specific rules for Georgia that must be followed. Bankruptcy is governed by federal laws; however a Bankruptcy Lawyer in Villa Rica GA can explain the legal filing process, credit counseling and pre-discharge debtor education that must be completed as part of the process. There is additional information that is required on Georgia bankruptcy forms. Before choosing to file for bankruptcy, it’s important to speak to an attorney for valuable legal advice and guidance for the situation. There are a variety of steps that need to be followed for Chapter 7 or Chapter 13 bankruptcy. The first step that must be completed is showing proof that credit counseling was completed through a credit counseling agency. This agency must be approved by the U.S. Trustee in Georgia. It must also be completed within the six month window before filing bankruptcy. For the ending process of the bankruptcy, a debtor education course must be completed. This is in addition to meeting with a Bankruptcy Lawyer in Villa Rica GA and determining which items are eligible for the exemption and which items are not. There are a number of schedules that must be completed as part of the bankruptcy filing. Some states permit individuals filing bankruptcy to use the federal bankruptcy exemptions. Georgia does not permit bankruptcy filers to use federal exemptions. The state’s exemptions for bankruptcy have to be used. In George, there is a Homestead Exemption on a home that is owned. There is also a motor vehicle exemption. There are wage exemptions and many other exemptions that need to be determined by an experienced attorney. When assets are larger than the debt on an item, those items may...

What Should You Know Before Hiring an Injury Lawyer in Rapid City? Aug25

What Should You Know Before Hiring an Injury Lawyer in Rapid City?...

When people are seriously injured in a scenario that was not their fault, they often find it necessary to hire an Injury Lawyer. These lawyers work with injured people and help them to pursue the insurance company in charge of their claim. Before hiring a lawyer, there is some information that can prove helpful to injured people so they are prepared with what to expect. Before considering hiring an Injury Lawyer in Rapid City, the injured person needs to make sure they are under a doctor’s care. Injuries need to be documented so medical records can prove the extent of damages a person suffered from. It is important a person informs the medical staff of how they were injured so it can be properly documented in the medical file. Hiring an Injury Lawyer in Rapid City does not cost an injured person any money up front. These lawyers work under contingency. Contingency fees are subject to whether or not the lawyer is able to get a win for their client. Most personal injury lawyers carefully survey a case before they take it on so they can ensure they will be able to prove liability and measurable damages. Should the lawyer be unsuccessful in getting a win, the client owes nothing for the legal services that were provided. The lawyer will fully take over all of the work that needs to be done in a case while a client recuperates from their injuries. The lawyer will make sure the client receives the necessary medical care and will deal with any insurance companies that are assigned to the claim. An injury lawyer also has the option of filing a case in court if the insurance company refuses to offer a fair settlement. No matter how the...

PIP In Florida: How To File A Personal Injury Claim Aug25

PIP In Florida: How To File A Personal Injury Claim...

If you drive in Florida and are a resident there, you need to understand the type of no-fault insurance called PIP. This is mandatory in this state. However, if you become involved in a vehicular accident, it may be necessary to hire a personal injury attorney who understands what is exactly involved in PIP cases. What Is PIP? PIP is short for personal injury protection. It is obligatory in Florida to purchase it if you drive a vehicle. Its purpose is to provide you and your passengers with some form of protection in case an accident happens. This includes damages and personal injuries. The system is divided simply. Your insurance pays for personal damages; the other parties involved in the accident pay for their damages. Under Florida Statute 627.736, drivers are eligible for up to $10,000 in medical benefits and up to $5,000 in death benefits. These are the caps, according to a personal injury attorney. What Governs PIP Payouts? Yet, not all PIPs are created equal. The coverage you may receive, the amounts owed are dictated by several factors. These include: 1. The specific type of policy 2. The limits of the policy 3. Any deductibles 4. The issues of fault – Under PIP, if the other driver is found to be at fault, he or she’s insurance will pay for any property damage As a result, if everything goes as provided in your PIP policy and those of the at- fault driver or drivers, you will receive: 1. Coverage for the greater percentage of your medical expenses 2. A certain portion of any wages lost due to the personal injury 3. Money to cover any prescriptions 4. Travel expenses  for going to ad coming from any required treatments 5. Help in your...

How Can an Elgin Personal Injury Lawyer Help You? Aug17

How Can an Elgin Personal Injury Lawyer Help You?...

Elgin is a small city located in the counties of Cook and Kane in northern Illinois. It is the eighth largest city in the State, with a population of just over a hundred thousand people. If you are a resident of this city, you should definitely consider hiring an Elgin personal injury lawyer. A personal injury lawyer could get you out of a tight fix in many situations, and will often help you get the compensation that you deserve in case of an accident. However, lawyers charge a significant fee for their services. Before you hire an Elgin personal injury lawyer, you should know what they could do for you. What Does a Personal Injury Lawyer Do? The job of a personal injury lawyer is to protect you in case you sustain a personal injury. The lawyer will fight for your case in court if need be, and will try his or her best in order to get you due compensation. You never know when you might sustain a personal injury. Some people can get injured by slipping on a wet floor. For instance, if you injure yourself while walking on a wet floor in a super market, you should think about suing the supermarket. That’s simply because the market is responsible for its employees, and it was due to their negligence that you sustained the injury in the first place. Your personal injury lawyer at Woodruff Johnson & Palermo will help you get your due compensation. They will write to the supermarket, and explain your position. They will then ask the market executives to provide due compensation for their client. If the executives reject the claim form (even though the evidence is pretty damning), you may have to fight the case in court....