Bill collectors are annoying. I doubt anyone reading this post will disagree with that statement. Bill collectors send threatening letters, annoy you with phone calls at all hours of the day and night, and generally decrease the quality of your life.
There is a law out there called the Fair Debt Collection Practices Act (FDCPA). Say what? The FDCPA is out there to protect consumers from, among other things, creditor harassment. I am not writing this to suggest that all bill collectors violate the FDCPA. Certainly, that is not the case. However, many do. If you are being harassed by bill collectors, you may be able to sue!
Sue the bill collectors who are making your life miserable? Quite possibly.
What if you cannot afford a lawyer? Well, chances are that if you are being harassed by bill collectors, money is a little tight. No problem. Consultations are always free. If you win your case under the FDCPA, you may be awarded damages of up to $1,000, and the offending creditor may be forced to pay attorney’s fees out of THEIR pocket, NOT YOURS! If we lose, you will owe no attorney’s fees.
So, in other words, if you are being harassed by creditors, contact me as soon as possible to preserve and assert your rights…you have nothing to lose by talking to me!
If someone has taken out a restraining order against you, you need to take it very seriously. Even if the allegations against you are completely baseless, as they often are, the mere fact that someone has a restraining order against you is public record, and will show up on a background check. This will harm your ability to get a job, rent a home or apartment, and own a firearm, among other things. Not only that, but the mere allegation of a violation of the order could land you in jail!
Contrary to popular belief, it is possible to successfully fight a restraining order. You are entitled to a hearing on the matter, and you have the right to be represented by counsel. Do not fight this alone. Instead, contact an attorney immediately to preserve your rights and discuss your options.
I am writing this guide to provide a couple quick tips to follow if you are in a car accident in Missouri. This guide is not legal advice. I cannot provide legal advice without knowing case-specific facts. Also, this guide is not a substitute for hiring an Missouri car accident lawyer to protect your rights.
- Exchange insurance policy information and get the contact information of the other driver and all witnesses.
- Take and save all photographs of the scene of the accident.
- Get a copy of your police report.
- Speak with a Missouri car accident attorney as soon as possible to protect your rights.
- Admit fault.
- Make statements to the claims adjuster. Anything you say can (and will) be used against you in an effort to save the insurance company money.
- Refuse medical treatment if you are injured.
- Try to settle your case without a Missouri car accident lawyer. Remember that insurance companies have armies of lawyers working for them. You should have a Missouri car accident lawyer protecting your rights.
Workers’ compensation is a complex matter. I have selected three common mistakes that WILL jeopardize your Missouri workers’ compensation case. This is not legal advice, nor is it a substitution for seeking an experienced Missouri workers’ compensation lawyer. If you are injured at work, call (314) LAW-1375 for a free consultation.
#1 – FAILING TO TIMELY REPORT YOUR WORK INJURY
In Missouri, you must report your work injury to your employer/supervisor within 30 days. That cannot be overemphasized. If you fail to report your work injury to your employer within 30 days, it could be FATAL to your Missouri workers’ compensation case.
#2 – MISTAKES WITH THE WORKERS’ COMPENSATION DOCTOR AND TREATMENT
The workers’ compensation insurance carrier is required, under Missouri law, to provide you with any and all reasonably necessary medical care related to your injury or illness. It does not matter whether you are full time or part time. DO NOT decline medical treatment if you are injured. Follow your treatment plan. Also, make explicitly clear to the doctor that the injury happened at work on a work-related matter. Remember, the employer & insurer (who are NOT on your side, if you are in injured worker) get to select the treating doctor, and the employer & insurer have an interest in paying out as little as possible, so be careful!
#3 – “GOING IT ALONE”
If you are injured at work and decide to go it alone, it will only hurt you. Every insurance company has armies of claims adjusters and lawyers working for them. They are paid to save the insurance company money at your expense. There are reasons that you will see certain doctors. Insurance companies have special arrangements with certain doctors. These doctors get volume business from insurance companies and are therefore cheaper for the insurance companies to use, plus these doctors are very conservative with their disability ratings. That translates to being low-balled in your settlement offers. A Missouri workers’ compensation lawyer such as myself will negotiate with the insurance company’s adjusters and attorneys to make sure that you get a fair settlement. If they will not give you a fair settlement, we can go to trial.
IF YOU ARE A MISSOURI WORKER WHO IS INJURED AT WORK, REPORT YOUR INJURY IMMEDIATELY. THEN, CALL A MISSOURI WORKERS’ COMPENSATION ATTORNEY AS SOON AS POSSIBLE.
The Kentucky Association of Criminal Defense Lawyers has published a wonderful guide, without excessive legal jargon, explaining what your rights are when it comes to search and seizure. Remember that this guide does not constitute legal advice and that states’ laws do vary, but for a quick crash course in search and seizure, this is excellent. Thank you, KACDL!
HERE IS THE LINK TO THE GUIDE!