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The most immediate benefit of filing a bankruptcy is the concept of the "automatic stay". Pursuant to the Bankruptcy Code, the filing of a bankruptcy petition triggers an automatic stay of all legal proceedings and collection efforts against you. The stay is, in effect, an order of the bankruptcy court sent to all of your creditors advising them that a bankruptcy has been commenced. Pursuant to the stay, creditors are warned that they will be sanctioned if they try to collect money or property from you without leave of the bankruptcy court. If your home or other real estate is in a foreclosure situation, even if a sale is imminent, the stay will stop the sale. The stay will also stop a foreclosure action in its earliest stages, and prevent the lender from moving forward with a foreclosure without leave of the bankruptcy court. Because the automatic stay is such a powerful tool, the lifting of the stay is not freely granted, but may occur if you are not fulfilling your obligations.

When your banktruptcy is filed, our attorneys will immediately contact your lender or its representative and provide it with your bankruptcy information. The automatic stay will remain in effect until the conclusion of the bankruptcy case, or until lifted by the Court. If you have filed under Chapter 13 and your intention is to reinstate your mortgage, it is imperative that you begin making mortgage payments again in the month following the filing of your petition. The bankruptcy court will lift the automatic stay and allow the lender to proceed with its foreclosure if you are not making payments as promised. Likewise, in a Chapter 13 case, it is imperative that you begin making the monthly Plan payments to the Chapter 13 Trustee in the month following filing. If payments are not timely made to the Chapter 13 Trustee, the Court may dismiss the case, which will also have the effect of lifting the stay and allowing creditors to proceed with collection efforts, including foreclosure. When the stay is lifted, or if the case is dismissed, it is possible that you may not be able to file for bankrutpcy again, and get the benefit of the stay, for the next 180 days. 

Our attorneys will be happy to explain how the stay works, why the stay might be lifted and what must be done while the bankruptcy is pending to assure your continued protection. Please be sure to ask our attorneys about the possibility of a loan modification in conjunction with, or as an alternative to bankruptcy as another way to save your home.

Many people agonize over the decision to seek an attorney to discuss bankruptcy options because they are too embarrassed to admit to financial difficulties or talk about the state of their finances with a stranger. Debt has taken over their life and it seems that there is no relief in sight. Feelings of regret and shame are common to those who contemplate bankruptcy. However, bankruptcy should not be looked upon as a failure; it should be looked upon as a new beginning. Though many fear bankruptcy and its stigma, it can provide a much needed fresh start and get you back on the road to financial recovery. Moreover, filing bankruptcy may be the only way out of debt for some, or may not be an option for others. Consulting with an attorney can help you decide whether or not bankruptcy is right for you and your circumstances.

The first step in deciding whether or not bankruptcy is the right decision for you is to schedule a free consultation with one of our experienced bankruptcy attorneys. We can assist you in gathering the documents needed to provide us with the information needed to make a determination regarding whether or not you would benefit from a bankruptcy filing and/or which chapter best suits your financial situation and preferences. We may ask you to provide us with such financial information as credit card and banking statements, pay stubs, mortgage and automobile loan balances, as well as other documents needed to assist us with understanding your finances. Getting an accurate accounting of assets and debts will ensure that we will have the information needed to properly advise you whether or not bankruptcy is right for you or if there is another solution better suited to your unique financial situation.

If you are contemplating bankruptcy, please don't hesitate to contact our office to schedule a free consultation with one of our experienced bankruptcy attorneys who can answer your questions and meet with you to discuss your finances to help you find the best solution for your financial difficulties. 

We know the decision to consult with an attorney about bankruptcy is a hard decision to make. Rest assured that our attorneys and staff will treat you with the sensitivity, respect and dignity that you deserve during this most difficult time. Please contact us today to schedule your free consultation and begin your journey to financial recovery.

Today, surviving in the economy is tough enough without a neglectful automobile accident to occur to you or a family member and cause financial, physical and emotional damages. You and your family shouldn't have to suffer from a wrongful injury due to the neglect of a driver or automobile neglect. There are many factors that can cause an automobile accident to be considered neglectful.

Driver neglect (driver distraction caused by picking up a dropped item, crying baby, eating, etc.) is a leading cause of a negligent automobile accidents. Also, aggressive driving (tailgating, failure to use turn signals, speeding and cutting off other vehicles, etc.) have caused many accidents on the road. This is also considered driver neglect as the driver isn't taking his or her responsibility of the safety of other drivers.

DUI offenders are approximately 40% of one of the causes where victims are injured, permanently disabled or even death. Victims shouldn't have to suffer from a driver that is alcohol impaired that has chosen to pick up his keys and get behind the wheel. This put you, your family and other innocent victims at risk for being wrongfully injured.

Proper maintenance of one's automobile, such as changing worn out tires and brakes, are also a potential neglectful behavior of a careless driver that often lead to accidents. Auto malfunctions, steering wheel malfunctions, defective door latches, fuel systems, seat belts, airbags and adequate roof strength to prevent it from collapsing in a turnover, have been causes in many accidents where the neglect lies on the vehicle manufacturer. It is their responsibility to provide the consumer a safe and reliable automobile that they have produced for the market.

State, county or city officials that are in charge of properly maintaining and constructing of the public roadways that neglect to properly do so, can also cause an accident through no fault of the driver. When these official public entities have been notified or had a complaint that the property has dangerous conditions and fail to make the proper changes necessary to insure drivers have safe driving roadways and conditions, they are willfully be negligent. 

Our law firm(name of firm) can help wrongfully injured victims receive what they deserve, a recovery from the negligent parties. If you need help, you should pick up your phone and call the following number(number of law firm) or click on the following website (law firm website) to get answers about your case. We offer free consultation from our experienced staff and are here to get you the help you deserve for the damages caused from the neglectful party!

There are alternatives to bankruptcy that consumers can choose. Most will require some outside assistance, from a lawyer or credit counselor. Lawyers can be the best first choice to consult because you can get started with a free consultation. Simply click on our website or call our firm for instant relief, and be on your way to better money management. Use your free consultation to obtain answers to questions about bankruptcy and its effects, or to find out how to get started with debt settlement actions.

One thing you can try, if you have no wages and no assets, is to simply do nothing. This applies to unsecured loans only, however, because you have nothing at risk to lose. With unsecured loans, your lender has no viable alternative for collections other than to keep calling you. In that case, there are consumer credit laws that protect you from abusive collection efforts. If you do nothing, your credit report history should clear out of these unpaid debts after seven years. If you pursue a bankruptcy, it will remain on your record for ten years. 

Another thing to try is to manage your money better. Obtain more income, and cut expenses so you can apply more to your debt repayments. Negotiate with your creditors and try to work out better repayment terms, or lower interest rates. This is another case where our lawyers may be able to assist you by making the requests for you. 

A formal debt consolidation loan may be an option if you have collateral and are not severely behind in payments. This is where you borrow on a new loan large enough to payoff the other debts, so you only have one debtor, and a smaller overall payment at lower interest. Over time, the entire debt will be repaid faster. Our lawyers can help you formulate this plan and put together your written proposal.

Other out of court ways to settle old debts include getting a new loan or credit card and balance transfer your bad debts to this new loan. You can refinance your existing loan, borrow from friends or family, or borrow from your savings. Using our lawyers can be one way to avoid the negatives of making a debt consolidation and to restructure your debts without resorting to bankruptcy. Click through on our website for additional information, or to set up a free consultation.

Strict liability is a division of negligence law that holds manufacturers of defective products and owners of dangerous animals or property responsible for physical injuries caused by their products, animals or property. The theory behind strict liability is that manufacturers and owners are in a better position than the general public to anticipate potential hazards of their products, animals or property, and to protect against any possible physical injuries.

To fall under the umbrella of strict products liability, a product must be defective at the time it left the hands of the manufacturer or seller. "Products" do not include real property or used products, and only sometimes include body parts/blood, live animals, textual material, and prescription drugs. Strict products liability "defects" comes in three forms: design defects, manufacturing defects and failure-to warn defects. Strict products liability suits may be barred or rewards diminished based on gross and unanticipated misuse of a product by a consumer, or when a consumer knowingly and voluntarily assumes the risk of being injured by the product. While strict products liability redresses physical injuries caused by defective products, it does not extend to compensate for damage or destruction to the defective product itself. Such an action would sound in contracts law instead of negligence law. 

Many states have laws that hold animal owners strictly liable for physical injuries caused by dangerous animals. "Dangerous" animals fall under two general categories: 1) wild animals; and 2) particular animals that are dangerous, even though they are of a type that is not usually dangerous.

Property owners are typically held strictly liable for injuries caused by ultra-hazardous activities conducted on their property. For an activity to qualify as "ultra-hazardous," it must be unduly dangerous and inappropriate in the location where it is being maintained. For example, when a reservoir maintained in a mining community malfunctions and floods the mines, the owner of the reservoir will be held strictly liable for the damage caused.

If you are a property owner, you may also benefit from strict liability because trespassers are typically held strictly liable for any damage caused to property during the course of their trespass. Therefore, even accidental damage will be compensated.

Please note that even if an action does not fall under the category of strict liability, it could still be successful as an ordinary negligence suit. Click here for more information or a free consultation.

If you have been the victim of reckless or wanton conduct, you need an attorney to help you recover from the injuries you have suffered. Reckless or wanton conduct is an action or inaction that disregards the safety of people or property. Even if a particular person did not understand the risk, he or she will nevertheless be held liable for wanton and reckless conduct if a reasonable person ought to have understood the risk of the action or inaction.

You may be as wrongfully injured by someone's reckless and wanton conduct as you would have been if the person meant to do you harm. Even if it is clear that the person did not intend to harm you, he may have exhibited reckless and wanton conduct. The key question is whether a reasonable person would have known that the action or inaction had a significant risk of doing harm. 

Driving straight through a red light, for example, shows wanton and reckless disregard for others who would expect the car to stop at a red light. The driver may not mean to harm anyone, but he has taken an action that any reasonable person would know creates a risk of harm to other people. 

Driving is not the only situation where people are charged with wanton and reckless conduct. Consider the case of parents who allowed underage teens to drink at a party, and then one of the underage drinkers drove while intoxicated and hurt someone. Compensation for wanton and reckless conduct was awarded because any reasonable person would know that allowing underage children to drink is against the law and could cause harm. Even if the parents thought that none of the drinking teens would drive home, they were held to be guilty of reckless and wanton conduct. 

Another example of reckless and wanton conduct is the case where the owner of a building locked the fire doors so that people could not exit during a fire. The building owner did not intend for anyone to die in a fire. However, any reasonable person would know that locking fire doors caused significant and unnecessary risk to people in the building. 

You deserve compensation if you have been the victim of reckless and wanton conduct. Cases of reckless and wanton conduct can be very complicated and you need an attorney who can ably build your case and represent your interests.