What is an Automatic Stay?

Posted by on Oct 25, 2015 in Bankruptcy | 0 comments

People experiencing financial difficulties may find stability and refuge by filing for Chapter 7 bankruptcy. According to the website of the legal team at the Bradford Law Offices, LLC, bankruptcy allows individuals to continue with their normal day-to-day functions while realigning their finances at the same time.

Many understand that the one primary goal of Chapter 7 bankruptcy is to eliminate or discharge most of your unsecured debts. However, debt elimination is not the only purpose of bankruptcy filing. Many people file for bankruptcy to stop debtors, collection agencies, and the government from their collection activities during your bankruptcy case, which means filers are able to protect their assets (ex. properties, income) from any action of a creditor. Furthermore, a Chapter 7 bankruptcy protects from lawsuit and other legal actions.

Depending on where you live, the automatic stay doctrine applies a bit differently in each state. That’s why it is so important to consult first with a Chapter 7 bankruptcy expert to know how this type of filing may benefit you. But generally, here are the things that automatic stay can do for you:

  • Protects your monthly salary from garnishments – Bankruptcy allows you to take home your wage in full, without any garnishments taken against you by your employer. However, there are a few exceptions. For instance, bankruptcy cannot protect you from garnishments related to child support and alimony.
  • Protects you from service shut-offs – When you file for bankruptcy, the automatic stay prevents utility companies from cutting or altering your service. However, utility companies may demand “adequate assurance” of future payment from the debtor within a period of twenty days after the date of your filing. Failing to do so would allow utility companies to shut off your services, so you should act within the 20-day pass.
  • Protects you from collection of overpaid public benefits – If you are receiving public benefits (ex. VA comp, pension, disability benefits) and have been overpaid, bankruptcy may protect you from any collection actions by the government.
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Everything You Need to Know About Carpal Tunnel Syndrome

Posted by on Oct 24, 2015 in Workplace Accidents/ Disability Benefits | 0 comments

Carpal tunnel is a passageway located on the palm side of the wrist. This tunnel is composed of connective tissues and bones that connect the forearm to the other portions of the upper extremities. Apart from these connective structures, carpal tunnel also houses the median nerve, which connects the upper limbs to a network of nerve attached to the spine (brachial plexus).

The median nerve is the only nerve that passes through the carpal tunnel. However, injury to the carpal tunnel may result in the median nerve being compressed or ‘pinched.’ This medical condition is called carpal tunnel syndrome, or CTS. This condition is characterized with weakness, numbness, and a tingling sensation in the affected upper limb. According to the website of WorkSTEPS, CTS primarily affects workers subjected to forceful and repetitive hand motions, such as those working in slaughter houses and factories. Those who are doing clerical and secretarial work are also at risk.

The symptoms associated with CTS may greatly affect your productivity. In fact, a Des Moines disability benefits lawyer may say that CTS has been associated with a number of short term disability applications in the country. Furthermore, because CTS can damage a person’s fine motor skills, this condition may profoundly narrow down the tasks that a person can accomplish, and thus may affect his/her capacity to make a living.

If you are prone to CTS and are experiencing numbness, weakness, and a tingling sensation in one or both of your arms, visit your physician right away for a CTS diagnosis. After studying your symptoms and medical history, your doctor may perform a series of tests to rule out other musculoskeletal conditions, such as arthritis and bone fractures. These tests may include nerve conduction tests to measure how well your forearm receives electrical impulses, and imaging tests such as X-rays.

If you are at high risk because of the nature of your work, you may also do some preventive measures to reduce your chance of having CTS. For instance, ensure that you are using only ergonomically-sound tools and equipment while at work. You may also consider talking with your supervisor about getting short but regular breaks to stretch your forearms, especially if your tasks involve repetitive hand motions.

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Creating Your Own Successful App for Business

Posted by on Oct 23, 2015 in Mobile Apps for Attorneys | 0 comments

Apps are always a great way to engage and re-engage your customers. In this day and age where everything is mobile and everyone is on the go, creating an app to keep in touch with your customers wherever they are is a great marketing strategy. But is creating an app still a great business approach even for the most peculiar, uncommon industry, including the legal sector?

The answer to this is a big yes! According to the website of Big Momma Apps, having your own app available on Google Play or App Store makes your law firm more in touch with existing and prospective clients. Whether a person is on the side of the road due to a fender bender, or has been attack by a dog while walking two or three blocks away from his home, having an app means a prospective customer may reach you whenever he needs legal help, without having to reach the comfort of his own home to open his desktop.

But what makes an app successful? Here are the tips that you should bear in mind when designing your own app:

Have a clear call to action in mind

Having a beautiful app is just one part of the story. You need to create an app that has a clear business goal. Do you want your customer to contact your firm? Do you want your app users to subscribe to a newsletter, or make a purchase? Apps are the best way to get your intentions across your customers. Through your apps, you can engage with your customers and tell them what you want them to do.

Design for different platforms

Mobile phones have an extensive user base. Within this base is a myriad of different mobile platforms that your customers use every day. Instead of designing an app for a smartphone, why not make a hybrid app that can cater both to customers in mobile phones and tablets? This way, you are ensuring maximum reach, which could benefit your business a lot.

Information is power

Having a great app is not enough. You need to track down your conversions to know which campaigns give you the most traffic. By knowing what people are clicking and what’s keeping them engaged, you can tweak your app to provide the best user experience.

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What to Do When My Car Brakes Fail

Posted by on Oct 22, 2015 in Car Accidents/ Car Insurance | 0 comments

Road-related mishaps happen due to a host of different causes – recklessness, distracted driving, defective car components, and many more. In the U.S., brake failure alone accounts for a multitude of devastating, sometimes even fatal car crashes. As such, it is important to check every important component of your car, including the brakes, to avoid being injured in a car accident.

Imagine driving at around 70 mph on an interstate when you suddenly noticed that your brakes are not gripping. Before you get cold feet, remember these simple tips in managing dysfunctional car brakes:

Never panic!

When you panic, certain regions in your brain become hyperactive, greatly affecting your reasoning skills and muscle coordination. When your brake goes out, the first thing you should do is to think that the situation is under your control, because it really is.

Let others be in the know

By honking your horn or turning on your hazard lights, you are telling everyone in the road that something’s wrong with your car.

Give your brake a second chance

For cars equipped with antilock brake system (ABS), try applying your brakes again by holding firmly on the brake pedal while you steer. Pumping your pedal if your car is equipped with ABS can actually accelerate the car, which will not help the situation. On the other hand, for cars equipped with standard brakes, apply short pumps to your brake pedal to help you decelerate faster.

Downshift as you go out of the traffic

Shift to a lower gear to slow your vehicle down. As you slow down the car, steer safely out of the traffic and into a safety zone, such as an emergency bay. Slowing down your car to a full stop may also mean driving further down the road, so be ready to use an exit ramp when needed.

Finally, do not allow your brakes to fail

Although some car accidents are undeniably inevitable, some incidents can be prevented with preventive care. By keeping every components of your well-checked before hitting the road, you are keeping costly, sometimes even injurious car-related incidents at bay.

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What You Need to Know About Spousal Support

Posted by on Oct 21, 2015 in Family Law | 0 comments

Spousal support, sometimes referred to as alimony, has been around the country for over many years now. Although spousal support regulations vary from state to state, its aim is quite straightforward: to allow one spouse in a divorcing couple to maintain his/her standard of living he/she enjoyed during the marriage. But although the concept behind spousal support is plain, deciding who is to pay and how much could involve an intricate legal process.

According to the BB Attorney website, reaching favorable spousal support arrangement is important especially if one couple is heavily dependent on the financial assistance of the other. A judge in one of your local courts is the one responsible in determining the amount of spousal support a dependent couple should receive. Calculations involve the assessment of how much the spouse needs to maintain the standard of living he/she once has, his/her capacity to be financially independent in the near future, the age and health of both parties involved, their educational attainment, and many more.

Coming up with a favorable and objective spousal support amount is one thing, but enforcing it would be another. According to the website of Holmes, Diggs & Sadler, a spouse should seek legal help immediately if one couple fails to pay alimony. Also, it is important to note that falling behind spousal support entails serious legal consequences, such as contempt.

There will also come a time when one or both couples would need to modify the amount based on certain situations, such as a life-changing event, such as retirement and long-term paralysis. Furthermore, a judge may decide to discontinue alimony payment if one of the couple dies, if one of them remarries, if the dependent spouse has already been given enough time to become financially independent, or if the children are in the right age to no longer need a full-time parent.

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