How To Avoid Car Accidents

Posted by on May 25, 2016 in Car Accidents | 0 comments

Car accidents can happen all the time. Figures released by the Association for Safe International Road Travel (ASIRT), a non-profit organization, revealed that close to 1.3 million people die in road crashes yearly and 3,287 daily. While you may be after safety when driving your car, accidents can still happen. According to the website of Mazin & Associates Law Firm, car accidents can have serious and long lasting physical and emotional repercussions.

Getting involved in a car accident can bring a lot of hassle. Opting to run away from the scene of the accident can only make matters worst as you could be charged for “hit and run.” You can do your part in avoiding car accidents by following these simple tips:

1. Keep your eyes on the road

Your focus when driving through traffic should be on the road. As much as possible, don’t entertain any distractions. If you need to answer a call or send a text, stop and pull over to one corner and not on the road.

2. Don’t drink and drive at the same time

Driving while intoxicated is one of the most common reasons for car accidents. Not only are you increasing the possibility of car accident but also the prospect of spending jail time. Driving and alcohol do not mix so if you need to drive, wait until the effect of alcohol has died down before you do or have someone drive the car for you.

3. Follow required speed limit

Speed limits are designed for the safety of drivers and they are not meant to be broken. Driving too fast can only increase the risk of accidents. Let us say that a child run in front and you were going above the desired speed limit, would you have enough time to stop and avoid hitting the child.

4. Follow road rules

Being a law abiding citizen is one of the best ways you can prevent a car accident from happening. Traffic rules were put in place for a reason so obey them and maintain your clean driving record.

5. Ignore aggressive drivers

Some motorists drive as though they are the king of the road. They cut corners, blow their horns, take your lane and others. Never allow yourself to be bullied by them. The important thing is to keep your cool.

These are just some pointers that you can bear in mind when driving. Keeping tabs on these tips can help you stay away from car accidents and keep yourself from being a statistic.

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Laws Regarding Bankruptcy

Posted by on Jan 20, 2016 in Bankruptcy | 0 comments

As state laws vary, each state has their own laws aim to protect the debtors’ properties from creditors and the bankruptcy trustee when a bankruptcy claim is filed in court. The state of North Carolina also has its own set of laws regarding bankruptcy, and according to state laws, debtors are legally protected for up to US$35,000 worth of equity in their primary place of residence. Marriage can also affect your exemption rate, such as when you and your spouse file a joint bankruptcy claim you can double your exemption equity protection for your home. This is referred as the homestead exemption, but there are a lot more that can offer you protection.

A Congress-passed legislation called the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) provided a bankruptcy means test to see whether you will or will not qualify for a Chapter 7 bankruptcy. This means test is aimed to filter out those who have expendable income to pay for some of their unsecured debts to move to a Chapter 13 bankruptcy rather than have Chapter 7 clear all of their unsecured debts. In the state of North Carolina, the means test will become effective if you earn more than enough for an average-sized family according to your state rules; this will lead to your last 6 months of earnings being run through the test. If you have a significant amount of income left, you might not qualify for a Chapter 7 bankruptcy and you’ll be moved to a Chapter 13. If your leftover disposable income is very little you might qualify for Chapter 7 and you will be automatically qualified if you earn less than the average family (of your size) based on the standards of the state of North Carolina.

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How to Recover from Spinal Cord Injuries

Posted by on Nov 21, 2015 in Personal Injury | 0 comments

Injuries sustained in vehicle accidents have life-altering potential. Regrettably, spinal cord injuries are common when two cars going at high speeds collide. Right after the mishap, there are surgical procedures and rehabilitation alternatives that will minimize the changes on an existence subsequent to the collision.

A Houston personal injury lawyer would probably have seen how these injuries may include interruptions to the transfer of nerve signals throughout the back, ripping of vertebrae tissue, or broken bones. Injury can result in pain, complete paralysis or incomplete paralysis.

Following the collision and once at the emergency room, physicians can perform traction, surgery, or an experimental therapy. Something that is intruding the area is removed by operations, alleviate pressure on the spinal column, or blend the bones that have been damaged. Traction is nonsurgical; this procedure is applied in situations when the spine has to be strengthened, and has moved from position. Lastly, as a result of a growth in knowledge on spinal-cord injuries, some doctors can offer experimental remedies that are thought to produce gains that are favorable.

Post-operation, there are lots of rehabilitation options which help someone recover. Physical therapy, occupational therapy, speech pathology, studying tactics to manage pain, and diets are a few measurements of rehabilitation. The objective of rehabilitation is for folks to keep ordinary physical features subsequent to the injury. You’ll find groups of men and women prepared to aid whatever area your harm is affecting if it is language, upper extremities, lower extremities, or attitude.

You may be eligible for monetary settlement in case you have sustained any injury in the fault of another.

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Chapter 7 Eligibility

Posted by on May 25, 2015 in Money | 0 comments

Not everyone can file for Chapter 7 in Texas even if they are drowning in debt. If you are eligible for Chapter 7, then it means you are not capable of restructuring it as you would under Chapter 13 even if you wanted to so that you can still meet your obligations. As determined by the means test, your income will simply not cover all your monthly payments without sacrificing your basic needs. In some cases, however, it could simply mean that you are unnecessarily spending more than what you earn, and this can make you ineligible. For Chapter 7 eligibility, you have to meet certain conditions.

The Means Test

According to the website of Gagnon, Peacock & Vereeke PC, the means test for Chapter 7 only applies to people who have income that is over the median income for the applicable household size but are still unable to meet their debts. You can do this by applying a little organization and math. You need to get your current and future monthly income and expenses from your financial records.

Your income will include but not limited to your wages, business income, dividends, money from pension and retirement plans, and unemployment income. Your expenses will include only those that will recur over the next 60 months, legally required (such as child support) and essential for health and welfare. It should not include expenses for the purchase of luxury items such as designer clothing and recreational vehicles.

Once you have gotten all the information, subtract expenses from your income. If you come up with less than $7,475, then you pass the means test and are eligible for Chapter 7.

Median Income

On the other hand, you will not need to pass the means test under specific circumstances. One is when your annual income is less than the median income in Texas for your size household. For example, the median income for a two-member household is $56,296.00. If you live with one other person and your combined household income is $50,000, you will not have to take the means test.

Others

You are also exempt from the means test if you are a disabled veteran, if you are on active duty as a military reservist or National Guard, or what you owe are primarily non-consumer debts. These are not cut-and-dried conditions however, so consult your attorney before doing anything.

If you believe you are eligible for Chapter 7, you can find out for sure. Your lawyer can better explain the details for these exceptions as they apply in your particular situation. Find a reputable bankruptcy lawyer in your area and get started.

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I Don’t Want to be in Storage Wars!

Posted by on Feb 11, 2015 in Storing Belongings | 0 comments

If you have ever caught an episode of the television show Storage Wars, then you have probably been fascinated by what people put in store. You may even have cheered for the buyers who happened on a rare or expensive find. However, have you ever stopped to think about the original owners of those items, and what they must be feeling about other people pawing over their personal possessions?

We already know that self-storage companies can auction off units that have been abandoned by their owners, otherwise there wouldn’t be a Storage Wars show. Legally, you grant the storage company a lien on the items that you place in self-storage the minute you sign the lease. This gives the storage company the right to sell the unit’s contents in case you don’t pay them the monthly rent. However, it doesn’t mean that if you are a day late in paying that they can just go in there and get your stuff. They have to follow a certain procedure that gives you the opportunity and time to address the issue so you can keep your things. There are state differences, but this is the typical timeline leading up to the actual auction.

  • Definition of default – you are in default when your contract lease says you are, so you need to know what is in there. The typical grace period is 5 days, but some allow up to 30 days before you are considered in default. At that point, the company can deny you access to your unit (presumably to prevent you from taking out your stuff) until you pay for what is past due.
  • Notifying the owner – the storage company has to send at least one letter of notice to you, the unit owner detailing the past due amount, late and other fees, and a scheduled auction date. The notice does not have to be via postal mail; many states allow email notices.
  • Informing the public – the next step is to post a public announcement about the scheduled auction in a conspicuous manner. This may include a poster near the storage company premises, twice in the local rag, or on a specific website. This will depend on what the state requires. Typically, the date of the auction is from 30 to 90 days after default.
  • Storage wars – You have until the day of the auction to pay up and stop them from selling your items. After your unit has been auctioned off, however, it’s game over. Your stuff is getting fifteen minutes of fame.

Storage companies are not in the business of selling other people’s property. They would much rather you pay off what you owe. They use the money they get from auctioning off the unit contents to cover what you owe them, but they don’t actually profit from it. If the unit goes for more than that, the company will usually notify you and you can claim it within a specific period.

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