Category: Legal

Bankruptcy lawyer Houston and chapter 13 lawsuits: The creditor (the company claiming that you owe them money) will usually hire a constable or a private process server to deliver the lawsuit to you. This person will attempt delivery at the last address they have on file for you (which should be the same address on the advertising letters). That begins the clock ticking on the lawsuit process, explained below. Defending a lawsuit is filled with potential pitfalls for the unwary. The help of a lawyer is advised when dealing with a debt lawsuit. Call our law firm today to schedule a free consultation. Below is some general information as to what a lawsuit on debt is and how the lawsuit will unfold, but it is no substitute for legal advice based on the specific facts of your situation. The majority of our cases are settled prior to trial or nonsuited. The results of your case will depend on factors such as the creditor, the amount owed, the Court, the lawyers working for the creditor and the paperwork that the creditor has available regarding your debt.

If you have questions about how a Chapter 7 bankruptcy or a Chapter 13 bankruptcy in Houston (or the surrounding areas) may be able to help you or your business, please call today to schedule a free consultation. Even if bankruptcy is not right for you and your situation, I may be able to help you through the process of debt settlement, if needed. My job as a lawyer is to educate you about all of your options when seeking a financial fresh start so that you can make an informed decision that is right for you. I think that customer help should be the number one priority in any business, but it is especially important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

Student loan interest paid by you or someone else: In the past, if parents or someone else paid back a student loan incurred by a student, no one got a tax break. To get a deduction, the law said that you had to be both liable for the debt and actually pay it yourself. But now there’s an exception. You may know that you might be eligible to take a deduction but even if someone else pays back the loan, the IRS treats it as though they gave you the money, and you then paid the debt. So, a student who’s not claimed as a dependent can qualify to deduct up to $2,500 of student loan interest paid by you or by someone else.

How Does Chapter 7 Bankruptcy Work? When you file for Chapter 7 bankruptcy, the court places an automatic temporary stay on your current debts. This stops creditors from collecting payments, garnishing your wages, foreclosing on your home, repossessing property, evicting you or turning off your utilities. The court will take legal possession of your property and appoint a bankruptcy trustee to your case.

Avoid Taxes on an RMD with a Charitable Donation: Seniors who have a traditional 401(k) or IRA must take a required minimum distribution each year once they reach age 70 1/2. Those who don’t need this money for living expenses may want to consider having it sent directly to a charity as a qualified charitable distribution. “It’s basically a check issued from the IRA and made out to the charity,” Zollars says. This prevents the money from becoming taxable income and could help reduce the amount of Social Security retirement benefits that are deemed taxable, too. Find even more info at website.

To be eligible to file for Chapter 13 bankruptcy, an individual must have no more than $394,725 in unsecured debt, such as credit card bills or personal loans. They also can have no more than $1,184,200 in secured debts, which includes mortgages and car loans. These figures adjust periodically to reflect changes in the consumer price index. One of Chapter 13 allows you to stop an effort to foreclose on your home. Filing a Chapter 13 petition suspends any current foreclosure proceedings and payment of any other debts owed. This buys time while the court considers the plan, but it does not eliminate the debt. Hopefully, the bankruptcy plan will free enough of your income that you’ll be able to make regular mortgage payments and keep your house.

Criminal defence solicitors in Derby? At Elliot Mather we understand the importance of delivering a transparent and comprehensive service which is specifically tailored to meet our clients’ needs. Our Commercial Team will take the time to get to know you and your business so that we can fully understand your aims and objectives. We provide specialist advice on a full range of matters relating to commercial, corporate and commercial property transactions and we also work closely with our colleagues in the employment and dispute resolution teams enabling us to provide our clients with the right advice at the right time. We adopt a commercial and pragmatic approach which focuses on achieving the right result for our clients.

We have experience dealing with disputes arising from many of the Standard Form building, construction or engineering contracts such as JCT, NEC and other industry approved contracts as well as more bespoke agreements, and whether you are a property owner, employer, builder, supplier or a professional consultant such as an architect, engineer, or quantity surveyor our specialist team is on hand to proactively guide you through the heavily regulated dispute resolution process.

Elliot Mather LLP maintains professional indemnity insurance in accordance with the rules of the Solicitors Regulation Authority. Details of the insurers and the territorial coverage of the policy are available for inspection at our offices. You may be visiting our web site, because you have been recommended by a friend or colleague. Most of our new clients come to us because of a personal recommendation and our reputation is based on our ability to deliver every time. We base our approach on a set of characteristics that we know are important to you, and these characteristics define our work: clear, affordable, tailored, personal and impeccable. As one of the biggest law firms in the East Midlands, we can provide you with access to a comprehensive range of legal services – whether you are a business, entrepreneur, individual or family, throughout the region and beyond. Discover more details on https://www.elliotmather.co.uk/department/Criminal.

Late payment of invoices and unrecovered debts are major problems for most businesses. This can lead to significant cash flow and profitability issues which if left unresolved can threaten the survival and/or growth of your business. We offer a streamlined service and a fixed fee package for the recovery of your debts where your claim is in relation to an unpaid invoice providing that the invoice is not disputed. Please note that any enforcement action required after the successful conclusion of court proceedings will be at additional cost to the fixed fees quoted below.

We have an expert team who are experienced in all matters relating to accusations of benefit fraud. Our dedicated team understand that this can be an extremely distressing time for you and those closest to you. We offer friendly and professional advice with representation throughout your case. If you are suspected of committing benefit fraud, it is highly likely that you will receive a letter through the post inviting you to attend an interview under caution. It is vitally important that should you receive such a letter, you contact a solicitor to get appropriate legal representation. We can assist right across Derbyshire and Nottinghamshire. It is vital that you call us as soon as possible to arrange an appointment and we can discuss your individual circumstances. Discover extra information on here.

Road transport lawyer and driving without tacho card? At Smith Bowyer Clarke, our record of recovering seized trucks and loads is extremely high. Click here to see some recent examples. We can even arrange for collection, transhipment and onward transportation. Vehicles Seized for Operating Without an O Licence: The police and the DVSA have the power to seize your vehicle if they think you are operating without a licence. Only the legal owner of the vehicle can apply to to the authorities for the return of the truck. The owner of the seized vehicle will usually be expected to appear before the Traffic Commissioner at a hearing to explain, with evidence, why the vehicle should be returned to them. The law provides only four grounds for the return of the truck, three of which are highly technical. Often the result turns on the outcome of detailed legal argument.

We offer a cost-effective, fixed-fee arrangement designed to cover these steps and to provide you with certainty as to your costs. Smith Bowyer Clarke can arrange training from experts in the Road Transport field on: How to install an effective system to prevent clandestine entrants, in line with the Codes of Practice issued by the UK Government, The paperwork (checklists / training manuals etc) you need, The actions drivers must take to identify and prevent migrant access, The documentation that must be carried in the cab of the vehicle at all times, The information that must be provided to the Border Force if stopped.

Welcome to Smith Bowyer Clarke. We provide, simple, straightforward, and practical legal solutions to all your transport problems. If your company or your driver faces police investigation or have received a Single Justice Procedure Notice or Court summons, call our team today. Offences committed in cars and vans can adversely affect your operator’s licence and should not be lightly brushed aside. See additional details at operators licence application.

What Should I Do After They Have Left? When the DVSA leave you will feel as though a typhoon has struck. Do not think that you can relax once you have restored all your documentation to its proper place. Invariably the DVSA officer will have made some suggestions so ACT ON THEM. Do not stick your head in the sand because if the visit was not a happy one then the machinery will grind remorselessly on unless you have taken steps to stop it. If you haven’t already done so, your first step should be a free initial consultation with a specialist transport lawyer . They will be able to advise on what needs to be done to give you the best chance of resolving matters before they go before the Traffic Commissioner.

Operators are legally required to keep tachograph records for a specified period of time. Failing to keep these records is an offence. At Public Inquiry, the Traffic Commissioner will want to know why records were not kept, how often records were analysed, and what steps the operator took to identify and prevent drivers’ hours infringements. What Will Happen? This will depend on the type of tachograph offence suspected, and the stage of the process. If suspected tachograph offences are found during a roadside stop by DVSA / VOSA, the driver can expect to be interviewed under caution. Evidence from the interview can be used to support any criminal prosecution or driver conduct hearing. You should always speak to a transport lawyer first for a free, no obligation initial consultation. Discover additional details on Transportation Lawyer.

How much is a scar worth UK from FirstPersonalInjury? Accidents arising from slips, trips and falls are often perceived as trivial, and an example of the “compensation culture.” In reality, a high proportion of such accidents involve serious injury. All public and private organisations owe a duty of care to ensure all visitors to premises are safe. Local Authorities are also under a duty to ensure that pavements and public highways are in a safe condition for public use. If you would like more information on making a claim for compensation then please get in touch with First Personal Injury.

If you have been attacked or bitten by a dog, you may have a valid dog bite compensation claim. Dog bites have been on the increase in the UK in recent years. Figures show an average of around 7,693 admissions to NHS hospitals a year for dog-related injuries, with a total of 23,078 between 2015 and 2018. Dog bites account for the majority of bite claims. Many different breeds of dogs commonly bite, including border collies, rottweilers and pit bull terriers. Dog bite injuries can vary and many can leave victims needing emergency medical treatment. The effects of are often devastating for victims. They might have to stay in hospital for a long period of time and/or endure extensive injuries such as psychological damage and physical impairment.

It’s Not Just Road Traffic Accident Compensation You Can Claim For! If you have been in a road traffic accident or an accident at work, or have experienced medical negligence or some other type of injury that was not your fault, contact our team of experienced personal injury lawyers to start your compensation claim. In many cases, we can help you on a no win, no fee basis. If we think you’ve got a valid claim, we’ll take care of everything else – quick & easy! Discover even more info on bike accident claim.

If your child has had an accident through no fault of their own, as their parent or legal guardian, you are entitled to pursue a personal injury case on their behalf. Many child accident claims can lead to a high level of compensation amounts because the damage done seriously impacts the rest of their life and others’. When your child reaches the age of 18, they have 3 years from the date of the injury to begin an accident claim if you haven’t already done so on their behalf. Other losses can include those of a financial kind. For instance, if you are a parent or guardian and you have had to give up your job to look after your child, you could claim for loss of earnings. If you have had to pay for medical expenses then you could also be reimbursed for this. The pain and suffering experienced by your child will be factored into the compensation claim amount too.

Following Accidents Or Injuries In The Workplace, You May Be Able To Make A Claim! Making a work-related claim can be a difficult process, with many employees reluctant to bring a claim against their employer. However, if you have suffered a serious injury that is affecting your day-to-day life, a compensation claim should be pursued. You may have to take time off work, pay for medical care or, in serious cases, even modify your home. Much of your claim will depend on what happens immediately following an accident at work. Find additional info on https://www.firstpersonalinjury.co.uk/.

Serafino Di Loreto, chi è l’uomo che aiuta gli italiani in crisi – Mentre le banche italiane a turno barcollano (la vicenda ‘Carige’ è in questi giorni sotto gli occhi di tutti) facendo temere per la tenuta dei risparmi di cittadini e imprenditori onesti, c’è persino chi, lo scorso Natale, mosso da animo sensibile e memore, ha donato alla parrocchia della propria infanzia la ‘Campana della Nuova Vita’, nata per celebrare le nuove nascite: ma fusa e pronta a suonare una volta all’anno anche in ricordo delle troppe vittime di banche e fisco ingiusti, giunte spesso ad atti estremi per via di situazioni economiche disastrose che pesano sul cuore e nella vita di ogni giorno più di una prigionia.

Il 2018 appena conclusosi è stato un buon anno per Serafino Di Loreto, il professionista lungimirante e competente che in anni recenti ha fondato la società ‘Sdl Centrostudi spa’, con sede a Mazzano, in provincia di Brescia. La rinomata Società si occupa principalmente di analisi contabili per il recupero del credito di anatocismo e usura sui conti correnti e rapporti bancari in genere. E negli anni scorsi, anche per la crisi economica, è stata protagonista una rapidissima crescita in tutta Italia che l’ha portata alla ribalta nel mondo dell’imprenditoria locale e nazionale.

Mentre a Bergamo Serafino Di Loreto ha rilevato altresì un’azienda, proveniente da tre fallimenti, che fino a novembre 2017 perdeva circa 400mila euro al mese. Oggi, dopo soli 12 mesi, l’azienda ribattezzata ‘DL Sintered SRL’ ha fatturato ben oltre 8 milioni di euro, debiti zero, e continua a garantire lavoro e futuro a 35 dipendenti “ritirati dal fallimento” che altrimenti sarebbero rimasti a casa: qui grazie a un innovativo processo di stampaggio di polveri vengono creati ex novo componenti meccanici poi esportati in tutto il mondo.

Dal 2010 a oggi, ‘Sdl Centrostudi Spa’ “ha versato oltre 30 milioni di iva, ben 20 di imposta sul reddito, e distribuito 50 milioni di euro in provvigioni! Dagli albori – dichiara Serafino Di Loreto – abbiamo dato lavoro a 120 dipendenti diretti sino al 2016, a più di 400 avvocati sparsi in tutta Italia e ad oltre 40 periti e consulenti. Dal 2010 a oggi, il fatturato prodotto dalla società è di oltre 160 milioni di euro“. Per poi proseguire: “Abbiamo fatto quasi 50 mila perizie a pagamento, trasformando questo importante strumento di indagine e analisi in un mezzo accessibile a tutti: specialmente ai più deboli che, grazie a costi nazionalpopolari delle perizie, hanno potuto servirsene, evitando che in un campo così delicato, quale quello del diritto bancario, la giustizia restasse un fatto meramente elitario e per i soliti pochi abbienti“, ricorda il professionista bresciano.

“Oltre a essere stati i primi in Italia ad aver affrontato su vasta scala la questione dell’anatocismo/usura, e di tutti gli aspetti collegati, siamo anche stati i primi ad esserci dotati di polizze stipulate con importanti operatori del settore, che garantiscono la copertura delle spese legali, in caso di soccombenza“, prosegue ancora Di Loreto, imprenditore poliedrico e di successo attivo anche in altri molteplici settori. A Mantova, con la società ‘Ecoval’ il fondatore di ‘SDL Centrostudi Spa’ ha sviluppato un progetto con il patrocinio del Comune stesso e la cooperativa ‘Il Solco’ che ha consentito di avviare il risanamento dell’area cittadina dell’ex petrolchimico ‘IES’, salvando ben 20 posti di lavoro, e attivando una produzione in stile green, grazie alla coltivazione di una speciale radice che nel sottosuolo bonifica il terreno, mentre in superficie si sviluppa rapidamente come un alto canneto atto alla produzione di combustibile tipo pellet. In pratica, ha acquisito e riconvertito una delle più storicamente importanti realtà industriali cittadine, trasformandola da inquinante a struttura che crea disinquinanti.

Qualche anno fa fatturavate di più… Sì certo, la crisi era nel vivo, e paradossalmente per il tipo di lavoro che facciamo, avevamo richieste maggiori. Ora fortunatamente il mercato è in ripresa e c’è maggiore liquidità che circola, di conseguenza banche e aziende litigano di meno. In che cosa consiste, prevalentemente, l’attività di ‘Sdl Centrostudi Spa’? L’impresa si occupa in primis di analisi contabili econometriche per verificare che banche, istituti di credito e agenzia delle entrate non pratichino anatocismo ed usura e rispettino tutta una serie di parametri fissati dalla legge. Valutiamo il costo del denaro per imprese e persone che hanno mutui, finanziamenti e altro.

Avvocato Di Loreto, come si gestisce una struttura con centinaia di collaboratori sparsi per l’Italia? Noi abbiamo scelto un’organizzazione molto simile a quella militare, o ecclesiastica. Ovviamente per fini commerciali ed economici: il nostro è un network commerciale. In che cosa consiste, nello specifico, la vostra mission? Un’azienda ci contatta perché pensa di non essere trattata correttamente dal proprio istituto di credito. Un nostro incaricato, sulla base di una serie di dati, forniti dall’azienda stessa, svolge una pre-analisi gratuita. Se la pre-analisi dà esito positivo, allora offriamo una perizia a pagamento, debitamente stimata e approntata, che il potenziale cliente può, tranquillamente, accogliere oppure rifiutare senza alcun impegno.

Per parte di chi, allora? Del sistema creditizio italiano. In che modo viene elaborata una perizia? Abbiamo realizzato software gestionali (per conti correnti, mutui, leasing, derivati, cartelle esattoriali, ecc…) che, dopo aver inserito i parametri aziendali, è in grado di realizzare un calcolo matematico algoritmico integrato e complesso. Un progetto nostro, molto utile. Una perizia serve per dare all’impresa la prova che le banche non si stanno comportando correttamente con lo scopo di trattare nuove condizioni, oppure di chiedere i doverosi rimborsi. Qualora le banche dinieghino, che cosa accade? Le imprese e i privati hanno due opzioni: o accettano di mediare e restituire il maltolto oppure si va in tribunale a far valere le proprie posizioni.

Un esempio di riconversione perfetta, nulla da aggiungere. Complimenti. Mentre a Bergamo ho rilevato un’azienda, proveniente da tre fallimenti, che fino a novembre 2017 perdeva circa 400mila euro al mese. Oggi, dopo soli 12 mesi, l’azienda ribattezzata ‘DL Sintered SRL’ ha fatturato ben oltre 8 milioni di euro, debiti zero, e continua a garantire lavoro e futuro a 35 dipendenti “ritirati dal fallimento” che altrimenti sarebbero rimasti a casa: qui grazie a un innovativo processo di stampaggio di polveri creiamo componenti meccanici. Ed esportiamo in tutto il mondo, certi di una crescita costante su basi solide e promettenti per il futuro nostro e di chi crede in noi. Leggi ancora di piu dettagli a Serafino Di Loreto.

Scusi ma da cosa dipende? Dipende dalle solite interpretazioni dei giudici, ovvio, ma c’è dell’altro… Ci dica pure… La legge italiana spiega chiaramente che, nel conteggio del tasso d’interesse, devono essere comprese anche le spese di tenuta conto e le commissioni di massimo scoperto. Chi è stato il relatore di queste legge? Luciano Violante, nel 1996. Invece che cosa sostiene la controparte? Afferma che quelli sono costi che non vanno conteggiati all’interno del tasso d’interesse applicato ai clienti, sposando la tesi di parte della Banca d’Italia. Ora, ovviamente, ci sono alcuni giudici che tengono buona questa tesi e altri, invece, che non la pensano così.

Business formation law in San Antonio? Even if you believe you weren’t hurt badly, go to the emergency room or see a doctor as soon as possible after an injury accident. You may have internal injuries, a concussion, or soft tissue damage (like whiplash) that you aren’t even aware of. This helps ensure that you get the treatment you need as quickly as possible. If you wait to seek medical treatment, the insurance company may try to say you weren’t seriously injured. Your medical records will play a crucial role in your claim and help you negotiate the best possible settlement.

Never be embarrassed to tell your doctors about all of your complaints. The value of your claim is due in large measure to the doctor’s diagnosis and treatment. The doctor can only treat what he observes of what you tell him. The doctor’s records will only be as complete as information that he receives. Keep track of all prescriptions and medicines taken, preferably saving all bottles or containers of medicine. Provide your attorney with receipts for all medications, both over the counter and prescription medications as well as any other items purchased such as crutches, canes, neck braces, splints and bandages.

Estorga Johnson Law Firm, PLLC is a general litigation practice. We work diligently with our clients to educate them on the entire process, from initial filings to potential outcomes. The goal is to make sure all questions are answered to ensure clients are fully prepared to meet any challenges that may arise. Our goal is to provide each client with the confidence they need to move forward in their case and with the legal knowledge and experience to provide them with the best representation possible. Discover even more info on Business Formation.

Divorce proceedings can be stressful and complex. Estorga Johnson Law Firm, PLLC works to educate clients and help them through this complicated process. It is important that clients understand the process so they can assist in their case. Our firm handles divorce matters in San Antonio/Bexar County, Seguin/Guadalupe County, Kerrville/ Kerr County, Bandera/Bandera County, New Braunfels/Comal County, and Boerne/Kendall County.

Cases involving child protective services are serious and should not be taken lightly. Even if your case is just a simple misunderstanding, you don’t want to face legal proceedings alone. An investigation can quickly turn into a removal proceeding, which if requested by the department, can expose parents to the possibility of having their rights terminated if the department and Judge do not believe the parents can meet the needs of their child(ren).

If at some point you feel negotiations are not going as you’d hoped, you may consider talking to a lawyer. An attorney should be consulted when any of the following are true: You are demanding compensation for serious injuries and pain and suffering beyond a few thousand dollars. An insurance adjuster is unlikely to take an unrepresented claimant seriously — and offer a fair settlement — when the damages are in the tens of thousands of dollars or more. Read additional info at https://www.estorgalaw.com/.

“You will be working on multiple deals—use a different pad of paper and file system on your desk to keep track of each deal. List the lawyers you are working with on the front. If one calls, you can quickly get your brain around the relevant deal. This way, you won’t confuse facts of various deals.”