What Is the Best Advice If Your Credit Is Bad?

Many people find themselves in debt and more often than not, it is purely because they have fallen on hard times, not because they “have a problem with money”. I recently read about one woman who was left with the expenses of raising children with no help from their father who had left. She also had her mother and brother living with her, who were both unemployed and had to financially support them as well. She barely had enough money for food and basic essentials, so over the years, had accumulated debt through numerous ‘credit card increased limit offers’ and deals which she had been drawn into.

She was afraid. She didn’t have money to pay lawyers or debt counselors for their advice. She was afraid to answer the phone for fear of so many people she owed money to and even wondered whether she might be put in jail because of her debts.

Sound familiar?

Well the good news is, that there is no such thing as a “debtors prison”. It would not be in the interests of society to throw people into prison for misfortune. These are matters for the civil courts (if it comes to that) rather than criminal jurisdiction. This doesn’t mean that you won’t receive a court judgement against you and that a sheriff won’t come knocking one day, wanting to claim whatever he/she can of your possessions to offset the debt. But there are ways to avoid this also.

If your credit history is bad and you’re financially strapped, here is some advice that may help.

Firstly, compile a list of all bills and expenses you have. If you have credit card debt, summarize the balance, minimum payment amount and interest charges.

Now break your expenditure list into essential and non-essential payments. “Essential” means survival needs like food, electricity and rent or mortgage as the case may be.

Prioritise the “essential” things to be paid first. Anything left over can be distributed among the non-essential items. If a debt collector tries to harass you, don’t even think about using your survival money to satisfy them. The law is on your side here. If debt collectors become hostile or harass you, they are in violation of the law.

From now on, only spend money on essential things. If you have other people you’re taking care of beside children, they should be asked to contribute something towards living expenses. Or if not, perhaps they have a skill they can use to help save money (e.g. do repairs, mend clothes, run errands)? They may even be able to develop a hobby into a small money making venture, to supplement the family income.

Debt problems can be very stressful and if unresolved, make life a living hell. But you can take control by working out a plan and educating yourself about how the law works to protect your rights. Knowledge is power!

Hire the Best Divorce Lawyer to Fight For Your Right

Marriages are made in heaven but on earth sometimes problems may crop up. When the differences between couples become irrevocable they may decide to go in for a divorce or a mutual separation. When a once – happy marriage ends in a divorce it an emotionally trying time for not only the couple but also for both the families involved. The situation gets further aggravated if children are also involved in the divorce proceedings. Major details need to be sorted out among the couple who are not in the frame of mind to deal with sensitive issues. In such a circumstance it best for the individual to seek the advice and guidance of the best divorce lawyer and allow the professional competent lawyer to favorably handle the case for him or her.

The best divorce lawyer is usually someone with a track record of successful cases to his name. The lawyer is also well equipped to deal with both the technical and legal issues that crop up in a divorce. Especially when a divorce turns ugly and the couple is involved in an embittered fight for legal rights it is best to seek the counsel of the best divorce lawyer. A divorce involves many separate aspects like the financial settlements of the assets that belong to the couple whether jointly or individually. The divorce case gets further complicated when no pre-nuptial agreements are in place. Another sensitive issue that is common to many divorce cases is the decision regarding the child custody. It can be a difficult and emotional decision for the couple to make and it is best to let the best divorce lawyer handle your case and help you in getting the custody rights of your child.

The best divorce lawyer will also be the most competent person to handle and sort out the alimony settlement of the spouse whom he is representing. The spouse who has hired the better lawyer will definitely be in a stronger position to bargain for justified alimony rights and can tilt the case in their favor. The divorce cases involve many legal loopholes that only an experienced lawyer can discern and handle with care. The best divorce lawyer is also well equipped to deal with the emotional situation of the client and in tough times like this it is often that the lawyer becomes the client’s best friend and emotional support.

A divorce is always an unpleasant situation but however when the couple has no chances of a positive reconciliation it is perhaps the best way to go separate ways. Divorce under such circumstances is not only the best option but is also inevitable sooner or later. So it is the most practical way to hire the services of the best divorce lawyer and settle out the divorce proceedings in a manner most advantageous to the client. A divorce should not be considered as the end of a life but rather as a fresh opportunity given to the individuals to start their life all over again.

Tips For Choosing The Best Accident Lawyer

If you are looking to claim compensation after an accident then it is always advisable to seek legal advice from a qualified accident lawyer. Anyone who has been through an accident which caused serious injuries will know how traumatic it can be, which is why hiring an experienced lawyer will ensure you not only get the compensation you deserve but that you are also give time to rest and recover.

Personal injury and accident claims are big business these days and as a result there are literally thousands of lawyers both nationally and locally who are looking to take on accident claims. The problem is not all law firms are the same and whilst some will take on every case that comes through the door, others will only accept claims for specific types of accident and personal injury. Therefore the first step for anyone looking to claim damages is to find the right lawyer for their needs.

It is important not to leave it too long after the accident before you begin looking for an accident lawyer. The longer you leave it the harder it will be for your lawyer to collect the necessary evidence to prove negligence by the other party. Claims are also time sensitive and need to be made within a statutory time period.

Any lawyer you hire to represent you needs to be experienced and qualified in their field. You need someone who has experience of dealing with your particular kind of injuries, is able to interpret medical and accident reports, deal with insurance companies and defense lawyers for the other side. It may also be advisable to hire someone who has trial experience should your claim go to court.

Personal recommendations are always the best way to find good, reputable lawyers so ask around your family and friends, especially if you know someone has recently made a claim for personal injuries. Recommendations like this should give you confidence that a particular is worth approaching and the more recommendations you can get the better.

The internet is another valuable resource when it comes to finding legal assistance. There are many legal directory websites which list lawyers by state or area and which can give plenty of information such as client testimonies, biographies of lawyers and further information on making a claim. Check out individual law firm websites too to get a better insight in to particular firms.

If you fail to get any personal recommendations or do not have internet access then you can ask at your local bar association for a referral. The bar association offers a lawyer referral service which will put you in touch with a lawyer that they feel best suits your needs. You are under no obligation to hire them but you may have to pay a referral fee. Alternatively you can ask at your local courthouse for a list of approved lawyers in your local area.

Once you think you have found a Maryland accident lawyer to represent you do arrange to meet with them in person. This initial consultation is usually free and will give you the chance to ask them more in depth questions about their experience, qualifications and fees.