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Of course. In fact, like most attorneys, Our Law Firm will be consulting with your doctor on your condition before and after the accident.

In order to prepare the best case possible, we will need to develop medical evidence using consultative exams and testimony from you. We will also use detailed opinions from doctors who specialize in diagnosing and treating your specific type of injury.

We have a variety of specialists with whom we consult who practice within five minutes of our office, which makes it easier for us to keep on top of your case. We will eventually ask you to visit one of them, too. But your doctor is still your doctor and you would never substitute ours for yours. It’s simply an important part of our case that we know all your medical information as it relates to your case.

Your Medical History
All the doctors who have treated you in the recent past can support any claims we may have for a worsening condition as a result of a car crash. Your attorney will review the medical records to see what is relevant to your case and review it with doctors with whom we consult. Sometimes medical records contain information that is harmful to an injury victim’s case. But we are trained to handle other older injuries. But we need to know all information about your medical history so we can be prepared.

No Regular Doctor?
If you don’t have a regular family doctor then, yes, we will suggest one. All our associated doctors are close to the office, making getting there and back — for you or our staff — simple and quick.

But there are other reasons for this, too. Say you go to the emergency room with a bad cut to your face sustained in your accident. The emergency room doctor may provide emergency treatment. In fact several different emergency room physicians may provide treatment — all of which is likely to be excellent. But there may be various stages of care. In other words, some doctors treat only for critical care, while others are concerned above all with after-affects.

If your wound is assessed by one doctor, stitched by another doctor, and followed up by a third, the wound will have certainly been properly treated. But what about the scars for that wound? Who was watching to make sure there were no lasting effects, no permanent or disfiguring scars from the crash? Probably nobody.

Doctors Who Look At the Big Picture
Using our group of doctors, we know they will be focussing on everything from A-Z. Was the wound treated properly? Will the scar be permanent? Will plastic surgery be necessary? If so what will it cost? When will it be done? How many surgeries will it take to put things right? In the meantime, who will pay? Some of our preferred doctors will work on the same basis as we do: in other words, they can wait until the settlement is complete. Will your doctor do that?

Insurance companies have their own group of doctors, so why can’t attorneys? Ours were chosen for their talent, their experience, and their location. And, by the way, the medical specialists hired by the opposing sides will usually agree to the extent of the injury; the only differences are usually the extent of follow up and the time of treatment. We won’t allow a company to wrap up a settlement just to get it off the desk. We want everything to be done correctly and we want the results, no matter how much time it takes. We want you to heal as you were prior to the crash — or we want a settlement that reflects that change.

Build Your Team
If you or somebody you love has been injured in a car crash, our Law Firm can assist in determining damages owed to you. Having an attorney with a focus on car accidents is critical in providing you the financial compensation you deserve. Our Law Firm has a focus on being the area’s car accident lawyers and we know that accidents don’t wait for daylight hours to happen. So we’re available to answer your phone call any time, day or night.

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Reckless Driving | Car Accident Lawyers

Law enforcement agencies across the area have long realized that the correlation between excessive speed and reckless driving directly contributes to bad automobile accidents. Almost one-third of all fatality accidents not caused by a driver under the influence of drugs or alcohol are as a result of excessive speed or other types of reckless driving.

Speed
Excessive speed can mean going 75 in a 60-MPH zone, but more often it’s more egregious: 120 in a 60-MPH zone, driving at a rate of speed that, no matter what happens, a driver can’t possibly avoid an eventual disaster. If you, an innocent motorist, happens to be at the wrong place at the wrong time, the life you know will change irrevocably. Statistics say that the economic cost of excessive-speed related accidents is over $40-billion dollars annually – some of which may be a loss of your own income or medical bills related to a car crash involving an excessive speeder.

At high speed, reaction times are much slower. Even a driver with lightning-quick reactions can’t avoid rear-ending a stopped car at 120-MPH. At that speed, a driver travels a football field in two seconds. Just seeing that far ahead clearly, discerning potential problems from regular traffic flow and being prepared to avoid a collision takes more than skill; it takes incredible luck. Usually, the speeder just assumes other people will move aside. After all, they do it in the movies. But this is real life. Traffic has its own flow. And speed is rarely consistent with it.

Many speeders believe they have the skills to get them out of any situation. They never possess such skills. If they were even close to the skill level they believe, they would know enough to slow down. Despite the risks, drivers still speed; and it put us all at risk. In the event of an accident, they believe it was just bad luck when, in reality, it was their wanton negligence that caused the accident.

Reckless Driving
Although speed is an important factor in auto accidents in the area, reckless driving is equally to blame. Obviously, excessive speed is more dangerous than driving at speed limits, but reckless driving is more dangerous than excessive speed. And coupled with excessive speed, reckless driving can cause a huge accident with huge consequences.

Despite some drivers’ beliefs, watching the movies and NASCAR races doesn’t make you a better driver. Professionals are professionals because they understand the dynamics of what cars do at speed and they practice their trade in safe areas. They don’t practice on public streets and roads. Reckless drivers usually have no idea what danger they put others in; if they truly knew what they were doing, and what the consequences of their bad driving actually entailed, they wouldn’t continue.

Speeding in and out of traffic, leaving skidmarks on the road, turning donuts, passing on shoulders, among other maneuvers shows a gigantic lack of responsibility. More to the point, it demonstrates complete negligence.

At our Law Firm, it’s our job to seek restitution from such individuals who cause a reckless driving accident. Since our focus is in car crashes – with an emphasis on reckless drivers or those who speed – we’re fully equipped and prepared to handle your case. As medical bills pile up, as you miss more work, as you heal from your injuries, you’ll need the best. Our Law Firm can help you secure financial compensation for the injuries and other damages. Call our Law Firm, anytime, day or night.

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Accidents ruin more lives than anything in the world. When an accident involves a head injury, compensation for that accident can become a long drawn out affair. Initial treatment, short-term physical therapy, a long-term plan all require varying lengths of time based on the severity of the injury, and settling a head injury claim too soon is a common mistake that is often based on short term need instead of the long term good of the patient. Settling for less than it truly needed or deserved in brain injury cases, while common, may compound the damage done by the injury as this mistake spills over into the future of an entire family.

Variables Involved with Brain Injury Compensation

A brain injury has many stages and the treatment and rehabilitation from this type of injury is often a long and drawn-out affair. Extended treatment for a brain injuries may last for decades without significant improvement and when considering head injury compensation the length of treatment and level of recovery must be considered carefully. The cost of each stage of treatment must be considered as well.

Covering the cost of immediate family needs is often a reason cited for settling head injury compensation claims early but this early gratification by families and attorneys must be avoided in an effort to adequately protect everyone’s future. The risk of an early and low settlement can affect the long term survivability of the patient and their family. Head injury claims should also be litigated with an experienced attorney due to the many variables associated with them.

Resolving a Head Injury Claim May Require an Extended Period of Time

Head injury compensation claims usually have a number of people involved. There will always be the victim, usually at least one if not more persons directly responsible, often there will be an underlying corporation, an insurance company or two, at least two law firms and each of these participants have their rights that must be protected. Many times a treating facility, medical professional, and the government can be involved which slows the process down even more. Smaller legal firms are often not prepared for the time it takes for a case like this to end and may push for early settlements. This is the major reason that seeking an experienced attorney from a larger firm may be your best course of action as they have the financial stability as a firm to fight on your behalf and ensure that you are treated fairly.

Recently large head injury compensation awards have been reduced upon appeal and in some cases even overturned by the judicial process. Receiving notification of an award does not mean that the case is actually settled and you will receive the compensation. Understanding the process is the job of your legal counsel to explain to you. Trust your choice in legal counsel and let them do their job and you will find your case much smoother. Seeking head injury compensation is delicate and difficult, find the right champion and the process will go faster and your financial and physical recovery will be smoother.

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The Job Of A Personal Injury Lawyer

An individual injury attorney can win monetary awards for you if you’ve suffered from injury brought on by a third party. If you believe that you are owed compensation due to injuries sustained from accidents, medical malpractice or function related injuries then an individual injury lawyer is the man for the job. Read more information about a Personal Injury Attorney.

If you’ve never worked with one prior, then you may be questioning what they do and how he or she will help you with your case. Monetary rewards won by a PI lawyer can greatly help you especially when it is time to pay your medical bills, lawyer fees, and living costs while injured. In order to win the case for you, he or she needs to go through particular processes to be able to be sure you are justly and pretty compensated.

Outside The Court

Injuries can happen everywhere. For instance, you broke your ankle while inside a restaurant. It is the individual injury lawyer’s job to figure out whether or not you broke your ankle simply because you forgot to tie your shoelace of in the event you slipped while walking on their slippery floor.

Clearly the lawyer cannot do something about you breaking your ankle because of your untied laces. Nevertheless he can do something about you breaking your foot because of the restaurant’s carelessness especially if they didn’t put warning signs for their patrons to become cautious because of the slippery floor.

Gathering evidence can also be certainly one of their roles. Therefore, prior to something else, tell your lawyer everything about your case. The much more information he has, the simpler it is to gather evidence and submit this to the court later on.

Witnesses are always essential so it is your lawyer’s job or function to interview and prepare them for the courtroom. This procedure entails speaking to witnesses and gathering their testimony as well as coaching them on what to do in case they’re required to testify in court.

Procuring a professional to testify on your behalf can also be certainly one of their roles. The lawyer you hired, will interview physicians to vouch for the severity of your injuries sustained. Getting professional testimony instead of hearsay provides your case much more credibility.

Inside The Court

Attending all your hearings is certainly one of the roles an individual injury attorney should do. This is especially true if you are not in a position to attend the hearings yourself. He ought to also keep you informed of all issues going on inside the courtroom.

He’s also in charge of drafting motions and briefs of your case. If a settlement is reached prior to going to trial, then it is his job to negotiate on your behalf so that everyone is compensated in a fair and just manner.

Arguments are regular inside the courtroom and it is via these arguments that lawyers sway the jury for your side. A good lawyer will be in a position to argue your case successfully and win just compensation for you.

You will find many more roles an injury attorney takes on to be able to win the case for you. The above mentioned barely scratch the surface of the job description. If you think you’re entitled to some compensation because of injuries sustained, an injury attorney can figure out this for you.

Accidents are everywhere and may lead to injuries. If you want to know more about personal injury lawyers, call us for a free consultation.

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Car accidents take place suddenly and unexpectedly, and frequently lead to devastating, life-threatening injuries or fatalities. There are many types of car accidents and various underlying reasons why they occur.

Negligent, reckless or dangerous driving are the most common causes of any of the following types of car accidents:

Rollovers
Head-on collisions
Side impact collisions
Rear-end collisions

Assigning fault is crucial in any car accident case, and is usually done by police accident investigators, as well as insurance company accident investigators. The fault may lie with only one negligent party. There are cases in which the fault is shared by two or more parties making the legal situation more difficult to resolve. It is essential that you have legal representation to assist you to recover compensation, either in a settlement or trial. Fortunately, we are here to help.

Our firm will be able to help you determine the best course of action to take, based upon the details of your case and exactly what took place. A full analysis of your case will provide us with the information needed to move forward with legal action for you. Each case is unique, with a variety of injuries and other damages, so we will advise you what you could expect in your specific injury case with regard to value of the claim and the predicted length of time for the case to resolve.

Car Accident Injury Claims
When a car accident is caused by the negligent driving conduct of another driver, it can leave you and your family helpless, now struggling with massive medical bills and other expenses. Frequently, the injured person cannot work and provide the income the family depends upon. In some cases, evidence from the accident needs to be gathered immediately and an investigation done by an independent accident investigator, as there could be a dispute regarding who was at fault. It is imperative that you contact a legal professional as early as possible after being involved in an accident so crucial evidence is not lost. We urge you to contact a car accident attorney from our firm as early as you can after the accident.

Insurance Claims Litigation
While many insurance claims settle outside of court, many do not. When an insurance company denies liability or when the injured party will not accept a settlement, then litigation may become necessary, hence “claims litigation.” Should the insurance carrier be unwilling to pay a fair settlement or should they deny a claim altogether, we are prepared to fight on your behalf and engage in claims litigation. If you have been injured by a drunk driver, a negligent or reckless driver, you have a right to make a claim for compensation for all of the damages you have suffered, both economic and non-economic.

You will not want to endure the confusion of filling out complex claims forms, the shifting between various adjusters, and the unresponsive treatment that is common with these companies. We handle each and every detail of car accident injury claims, and it is well-established that those who are represented by a skilled car accident lawyer will recover a far higher value settlement. Put the legal aspects of the case into the hands of a dedicated attorney that you can trust to protect your best interests.

Contact us for a free case evaluation. We are available 24 hours a day, 7 days a week. Call us for a free consultation for more information.

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Auto Accidents in Texas

In no other state will you find the same level of legal acumen and personal dedication to your case as that which can be found in a car accident attorney at our Law Group. Over the past ten years, we have devoted ourselves to vehemently representing the victims of car accidents in the state of Texas, and we have done so with success in almost every circumstance. The level of commitment to our clients cannot be matched by any other, as nowhere else will you be provided with the same type of legal attention as that which you will find at our firm. We have taken every measure possible to ensure that the needs of our clients are met in a way that will be most beneficial to the success of their case. Some of our main areas of practice include:

Auto Product Liability
If you were injured in an accident that was caused by a defective product that malfunctioned then you may be eligible to file an auto product liability claim.

Bicycle Accidents
Bicyclists that are hit by a car stand to be seriously injured, if not worse. If you were injured in this type of accident or you lost a loved one in a bicycle-car collision, then you should not wait to speak with an attorney from our firm.

Car Accident Injuries
Auto accidents can result in a number of different kinds of injuries, all for which we are prepared to help you seek legal representation. Read more about car accident injuries.

Causes of Car Accidents
Determining the cause of your car accident is one of the most important factors of your case. This will determine who should be held liable for any damages incurred.

DWI Accidents
An accident that was caused by an intoxicated driver could leave you suffering seriously. If this is the case, you may be entitled to take legal action.

Driving While Texting
It is illegal to drive distractedly and this includes texting while driving. Therefore, if a driver that was texting while driving is to blame for your accident, then you should take legal action immediately.

Head-On Accident
If you were injured in a head-on accident then you may be able to file a claim for the injuries you incurred. We can help you make this determination.

Motorcycle Accidents
Motorcyclists are at great risk of being severely injured when involved in an accident with another car or truck on the road.

Multi-Vehicle Accidents
When multiple vehicles are involved in an accident, your case you could be quite complex. Therefore, you will need a car accident attorney skilled in matters of this nature.

Pedestrian Accidents
As a pedestrian, you stand to be significantly injured if hit by another car on the road. Far less protected, the injuries you stand to incur in accidents of this nature could be severe and you deserve to take legal action regarding the matter.

Rear-End Accidents
If you were rear-ended through no fault of your own then you should not wait to involve an attorney in the matter. You may be entitled to legal compensation.

Single Vehicle Accident
Even if only one car was involved in an accident, the driver does not necessarily have to be held responsible. We can explain alternative case scenarios.

Uninsured Motorist Claims
We can help you file an uninsured motorist claim if you were involved in an accident caused by an individual without auto liability coverage.

18-Wheeler Accidents
These can be some of the most devastating of all accidents, as the sheer size and weight of the truck stand to significantly and adversely affect the victims involved. Read more about 18-wheeler accidents.

Perhaps the best thing you can do for yourself after being injured in an auto accident in the state of Texas is to call our firm for help. We are skilled professionals in the field that have successfully handled a number of cases similar to the one you recently endured. As such, we know what it takes to effectively attend to your case in a way that will prove most beneficial to you. Our lawyers were identified as among the top 1% in the state of Texas, and we have been recognized as Texas Super Lawyers and Rising Stars as well. The experienced legal representation you need when dealing with the aftermath of any type of car accident in the state of Texas can be found at our firm, without question.

To learn more, contact an auto accident lawyer from our firm today.

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18 wheeler accident lawyers

No matter where you are located, if you are an active driver then you are at great risk of being involved in some type of auto accident collision. When the accident involves an 18-wheeler you stand to be seriously injured, if not worse. Truck accidents of this degree are often catastrophic in nature and they are likely to result in severe injury or even fatality for the victims involved. Therefore, legal action needs to be taken immediately after an accident of this nature has occurred. In the state of Texas, the victims of an 18-wheeler accident can be steadfastly represented by a car accident lawyer at our Law Group.

We cannot stress enough the importance of acting quickly in the case of a truck accident and injury. Very often, truckers and the companies they work for already have a defense lined up specifically to address any legal issues that may arise. Therefore, you will need your own aggressive attorney to help you successfully address any case that is brought against a truck driver in the state of Texas. We are that firm. We have successfully handled a number of truck accident cases in the ten years we have been in business, winning literally thousands of dollars on behalf of the victims we represent. There is nothing stopping us from doing the same for you. Therefore, we encourage you to contact our firm as soon as possible after an 18-wheeler accident has left you injured.

Injured in an 18-wheeler accident? Call us today!
Semi-trucks and 18-wheelers are involved in approximately 500,000 accidents per year, and about 5,000 of these end fatally. If you lost a loved one in a truck accident, you are just as entitled to take legal action as they would have been if they had survived the wreck. You can do this by filing a wrongful death claim, and an associate at our law firm can help. We are here to meet the needs of both victims and their families, never wavering in the legal representation employed for those who need it most. As soon as you contact our firm we will set to work in the review of your case, assessing the accident and determining the action that will need to be taken in order to ensure that you are rightfully compensated for any injury you may have sustained.

Our Law Group has been practicing in the field of personal injury law for more than a decade and a good deal of our attention is focused on the wrongful victims of car and truck accidents in the state of Texas. Our ability to successfully obtain the compensation that our clients both need and deserve is unrivaled by any other, as attested by our recognition as top trial lawyers in the state. We are 100% dedicated to ensuring that your needs are met in the most efficient way possible, and we will not rest until we can confidently say that everything possible has been done to benefit your case.

For the legal attention you need and deserve, contact an 18-wheeler accident attorney from our firm today.

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In the state of Texas it is illegal to text and drive. Drivers in violation of this law will face a fine. Unfortunately, this consequence has not proven to be effective in preventing the dangerous distraction from occurring, as many accidents occur on a regular basis that are believed to be the cause of texting while driving. What is most important to keep in mind when accidents of this nature arise is the fact that a car accident attorney may be able to help you recover compensation for any personal harm or physical damages that were incurred by an auto accident that was caused by a distracted, texting driver.

Some research has indicated that individuals who text while driving are more approximately 23 times more likely to be involved in an auto accident that other non-distracted drivers on the road. This could be a single-vehicle or multi-vehicle accident depending on the circumstances involved in the case, and either way the damages incurred could be quite serious. Therefore, any wrongfully injured parties of a texting while driving accident need to act quickly in taking legal action. The use of cellular devices has become quite prevalent in today’s society. However, car drivers that utilize the device while attempting to drive are putting both themselves and others at risk – an offense which deserves to be brought to the attention of legal professional that may be able to help curtail the problem from happening again in the future.

Protecting You After an Accident Caused by Texting While Driving
There are a number of causes that could result in a car accident and one of the most preventable of these causes is texting while driving. Researchers have speculated that a texting driver’s eyes are focused on their cellular device for more seconds per minute than on the road where they should be. With this in mind it is little wonder that accidents of this nature are as frequent as they are. If you were the unfortunate victim of an accident caused by a negligent or distracted driver on their phone, then you owe to yourself to take legal action. At our Law Group we can help. We are car accident attorneys that have been identified in the top 1% of all lawyers in the state of Texas. As such, we feel confident that we can help with your case.

Upon calling our firm, you will be paired with an experienced lawyer that will review your case and determine how to proceed in the matter. We have been doing precisely that for the past ten years and beyond. When you need experienced legal representation from a professional who is dedicated to seeing your case through to the end, there may be no better firm to turn to for the help you need. Our lead attorney has been identified as one of the state’s Top 40 Under 40 trial lawyers. In addition, we are proud members of the Million Dollar Advocates Forum as well as the National Association of Trial Lawyers. We have worked hard to make ourselves a viable commodity to the clients we serve, and our efforts have yet to be proven unsuccessful. For the upstanding, unwavering legal representation you need and deserve, you should not hesitate to call our office at your earliest convenience.

Contact a car accident lawyer to learn more about texting while driving accidents.

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Car Accident Lawyer | Head-On Accident in Texas

Head-on collisions can be quite destructive, sometimes inflicting serious injury, wrongful death, and even totaling your car. For this reason, auto accidents of this nature need to be met with immediate response from an attorney that can work to recover compensation for you. Whether your accident was caused by a negligent driver that was texting while driving or a defective auto part that prevented you from being able to brake on time, having a car accident lawyer on your side could make a world of difference in the outcome of your case.

Head-on collisions are not uncommon, and the aftermath of these incidents can be difficult to handle. Accidents of this nature can happen when a car enters a lane on the opposite side of the street, when a car enters a freeway, when a car enters a driveway, or when a car enters a one-way street from the wrong direction. Any of these instances could easily result in a head-on collision with another vehicle, and when you are the driver of that vehicle you stand to be seriously injured. You will need to take swift action in obtaining an attorney to address the legal aspects of your case and work to ensure that you are provided with the compensation you need to fully recover from any injury that may have been incurred during an accident of this nature.

Head-On Collisions
You should not wait to involve a legal professional in your case. Call an attorney as soon as possible if you were injured in a head-on collision for which you are not at fault. Whether the accident was a single-vehicle collision that resulted from a defective or malfunctioning car product or it was a multi-vehicle collision that was caused when another driver rammed into the front of your vehicle, we are here to help. At our Law Group you will find a team of professionals that are experienced in all matters of auto accident law, from the most complex to most minor of cases. We believe that all individuals deserve legal representation if they were injured in an automobile accident of any sort. Therefore, we have made our services available to residents throughout the area, and we charge nothing to meet and discuss your case. In fact, you won’t pay a dime unless we are successful in recovering compensation for your case.

For the past decade, our firm has been serving Texas in all car-related accidents. No matter what the circumstances of your case may be, if you were wrongfully injured in an accident that you did not cause, then we would like to help. There are very specific legal actions that can be taken in the event of an auto accident in Texas, and we know how to employ these actions in a way that will yield the most positive results for you. With only one phone call to our firm, you can begin to receive the steadfast legal representation that you need.

Do not wait to contact a head-on collision attorney about your case today.

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Car Accident Attorney | Multi-Vehicle Accidents

When multiple vehicles are involved in a single accident there is great potential for serious injury, wrongful death, and property damages. Unfortunately, multi-vehicle accidents are not uncommon; in fact, they are frequent. Therefore, victims of accidents need to make sure that they are properly protected as their case goes to court or they attempt to file an insurance claim of any sort. “Pile-ups” of this nature need to be attended to by a professional attorney that has handled cases of this sort in the past. These are accidents that generally occur on high impact, at excessive speeds, and on dangerous routes such as state highways and freeways. Among traffic offenses and accidents in the nation, multi-vehicle collisions are some of the most deadly. As such, they deserve to be addressed by a professional with legal acumen and experience that cannot be rivaled by any other in the field.

Any number of causes may have led to your multi-vehicle accident, including following too close behind another vehicle, failing to adjust to adverse road conditions, and inability to drive safely in poor visibility. One of the most important aspects of accidents of this nature is determining whether or not the collision could have been avoided. When it is ruled that it could have been, the best thing to do is immediately involve a car accident attorney in your case. In so doing, you will be taking the steps necessary to ensure that your case is adequately represented by a professional with the experience it takes to address matters of this nature in the most effective way possible.

Attorney for Multi-Vehicle Accidents in Texas
No matter how many vehicles were involved in your multi-vehicle accident, the fact that it was unnecessarily caused by another’s irresponsible driving behavior is the most important factor in the matter. Whether your case involved two vehicles or twelve, if it was initially caused by a distracted driver, a driver breaking the law, or a defective auto product then you have reasonable cause to make a legal claim. Perhaps the best way to do this is by employing the legal efforts of an attorney from our firm. At our Law Group, we are professionals skilled in the legal representation of auto accidents in the state of Texas. We have been successfully representing cases of this nature for well over ten years and we are prepared to take on yours next.

When an associate from our firm sets to work on your case, you will benefit from the skills of a professional that has been named as one of the Top 40 Under 40 trial lawyers in the entire state of Texas. With the support of our firm, you can rest assured that your case will be handled in the most efficient way possible, employing whatever means necessary to yield the positive results you are looking for. Successful recovery of your case is just as much of a priority for us as it is for you, so you can feel confident in the services you will be provided when you chose to work with an associate from our firm.

Contact a multi-vehicle accident lawyer from our firm to learn more about your case.

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Uninsured Motorist Claims | Car Accident Attorney

After an accident one of the most important things that will need to be done is to file a report to your insurance company. Any other drivers involved in the accident will also need to file reports in a similar manner. However, when your auto accident involves an uninsured motorist the road ahead of you could be tough. Uninsured motorists are drivers that have not taken the proper care to obtain insurance on their vehicles. This means that they are driving around without liability coverage – a situation that could be quite problematic when an accident of any nature occurs. The Insurance Research Council has estimated that close to 15% of all car collisions in the U.S. will involve an uninsured motorist, making the aftermath of an accident all the more difficult to handle.

In all 50 states, Texas is ranked ninth among the states with the highest number of uninsured motorists driving around on city streets and highway roads. Furthermore, it has been estimated that little over 20% of all motorists in the state are driving around uninsured. If you are not one of these drivers and you have taken the proper care to obtain the automobile insurance you need, you may believe that these statistics are inapplicable to your case. However, if you are involved in a car accident with an uninsured motorist then you could be in for serious issues. The motorist responsible for an accident is expected to pay for the damages and injuries that result. However, when that motorist does not have the proper insurance coverage, it can be beyond difficult for them to meet the financial expectations of the law.

Making an Uninsured Motorist Claim in Texas
If you were involved in an accident that was caused by an uninsured motorist in the state, then you will undoubtedly require the experienced representation of a car accident attorney from our Law Group. Depending on the conditions stipulated in your auto insurance coverage, you may already have protection designed within your coverage to protect you in the event that an uninsured motorist accident. Coverage of this sort will allow for payment of the damages that should be covered by the other person’s insurance.

After being hit and/or injured in an accident caused by an uninsured motorist, you will greatly benefit from utilizing the legal skills of the attorneys at our firm. We have spent the last ten years developing fool-proof ways to protect the safety of the clients we serve and make sure that their rights are not taken advantage of by any other motor vehicle operator on the road. When it comes to auto accidents, we have the skills and legal means necessary to help guide you through the process of filing an uninsured motorist claim, taking your case, to court or whatever else your case may require.

For more information about how we can help you file a claim, contact a Car Accident Attorney | Auto Accident Lawyer
Get the legal help you need. Contact our Law Group today!

Our Law Group is unlike any other when it comes to applying skillful legal representation to the cases of victims of car accidents in the state of Texas. When you work with a car accident lawyer from our firm you will be paired with an attorney that has been recognized by both state and national associations, including the Million Dollar Advocates Forum and The National Trial Lawyers Association. Nowhere else will you find the same degree of personal attention and invested care as what will be provided to you when you choose to work with an attorney from our firm. Here, we pride ourselves on successfully obtaining compensation for the clients we serve, and we have been successful in all of our legal endeavors to do so. Victims of auto accidents, motorcycle accidents, bicycle accidents, and pedestrian accidents can find the steadfast legal representation they need when they make the decision to work with our firm in the legal pursuit of their case.

Areas of Practice
We have taken extra care to ensure that our services encompass a wide variety of practice areas, including more obscure areas that other firms might be hesitant to take on. From cases involving auto product liability to cases involving uninsured motorist claims, we cover it all and we do so with the utmost legal attention and skill. It is our team’s goal to ensure that our clients leave satisfied with the services we provide, and we will do everything in our power to make sure that nothing short of the best legal representation is provided to those in need. For all of your legal needs, we are here for you; our representation includes cases involving multi-vehicle accidents, single-vehicle accidents and collisions of every other nature.

When it comes to motor vehicle accidents, a number of different scenarios may arise; fortunately, we are prepared to handle whatever comes our way. Over the past ten years, we have successfully represented the victims of head-on accidents, rear-end accidents, 18-wheeler accidents and so much more. We recognize the fact that these are accidents that may have caused a great deal of injury to the victims involved, and it is our mission to ease the pain that has been suffered in incidents of this nature. The causes of car accidents are vast, including DWI and texting while driving, which are both matters we are prepared to handle with aggression if necessary. We are 100% dedicated to seeing your case through to the end, and we will employ the reasonable means necessary to make sure that your case is brought to a close with success.

If you are wondering, “do I have a case?” we are here to give you the answer. As soon as you call our firm we can get to work for you, reviewing the incidents specific to your accident and determining how to best move forward with legal representation for your case. At all times, it is our goal to meet, if not exceed, the expectations of our clients. This includes making sure that your rights and well being are always at the forefront of our decision-making process. Where others have failed to produce favorable results, we have done so with ease, and we are ready to put our auto accident skills to work for you next. It takes only one phone call to our firm to be paired up with an attorney that has proven their honor as a top lawyer of Texas time and again, so we encourage you to call our firm today.

Act now! Contact a car accident attorney from our Law Group today!

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After an accident one of the most important things that will need to be done is to file a report to your insurance company. Any other drivers involved in the accident will also need to file reports in a similar manner. However, when your auto accident involves an uninsured motorist the road ahead of you could be tough. Uninsured motorists are drivers that have not taken the proper care to obtain insurance on their vehicles. This means that they are driving around without liability coverage – a situation that could be quite problematic when an accident of any nature occurs. The Insurance Research Council has estimated that close to 15% of all car collisions in the U.S. will involve an uninsured motorist, making the aftermath of an accident all the more difficult to handle.

In all 50 states, Texas is ranked ninth among the states with the highest number of uninsured motorists driving around on city streets and highway roads. Furthermore, it has been estimated that little over 20% of all motorists in the state are driving around uninsured. If you are not one of these drivers and you have taken the proper care to obtain the automobile insurance you need, you may believe that these statistics are inapplicable to your case. However, if you are involved in a car accident with an uninsured motorist then you could be in for serious issues. The motorist responsible for an accident is expected to pay for the damages and injuries that result. However, when that motorist does not have the proper insurance coverage, it can be beyond difficult for them to meet the financial expectations of the law.

Making an Uninsured Motorist Claim Texas
If you were involved in an accident that was caused by an uninsured motorist in the state, then you will undoubtedly require the experienced representation of a car accident attorney from our Law Group. Depending on the conditions stipulated in your auto insurance coverage, you may already have protection designed within your coverage to protect you in the event that an uninsured motorist accident. Coverage of this sort will allow for payment of the damages that should be covered by the other person’s insurance.

After being hit and/or injured in an accident caused by an uninsured motorist, you will greatly benefit from utilizing the legal skills of the attorneys at our firm. We have spent the last ten years developing fool-proof ways to protect the safety of the clients we serve and make sure that their rights are not taken advantage of by any other motor vehicle operator on the road. When it comes to auto accidents, we have the skills and legal means necessary to help guide you through the process of filing an uninsured motorist claim, taking your case, to court or whatever else your case may require.

For more information about how we can help you file a claim, contact an uninsured motorist lawyer from our firm as soon as possible.

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Important tips to help you get the best from your attorney:

THE #1 RULE – STOP TALKING
Car accidents, especially those involving personal injury, can leave a person feeling alone and helpless. That’s not the case. You have people who are capable and willing to help you through this difficult time.

However, refrain from discussing your accident wherever possible until you speak with your attorney. It’s too easy to speak about the experience to others. When necessary, speak with a trusted family member or friend in private. These are not conversations to have openly in a restaurant or other public place.

It is very possible to put your case in jeopardy by volunteering information that may not be completely accurate. A car accident injury attorney is there to assist you through your accident and injury wherever possible. Use your free consultation to speak with your attorney as soon as possible.

Years ago a neighbor came home after a car accident and discussed the experience with another neighbor. The second neighbor gossiped about the accident. One of those she reached was a person directly involved in the case. That little bit of information, even though it was hearsay, caused a tremendous problem that almost lost the case.

THREE DAY REST
An auto accident, or motorcycle and truck accident are each traumatic no matter how severe or what level of property damage may occur.

Even when no noticeable injury occurs, a person who sees that a crash is imminent, subconsciously tightens muscles to stop the body from moving into the crash.

Full body aches and pains often appear within three days after a crash. Although this doesn’t happen for everyone, it happens to most people who are actively involved in the car accident. In some cases the pain is so severe that it can mimic a broken bone. See your doctor as often as you need, especially during the first few weeks.

Your car accident and injury attorney can help guide you regarding doctor bills and insurance. Ask how these two items are best handled, so they do not become a burden to you.

INSURANCE COMPANIES
No insurance company is your friend.
No adjuster or insurance agent is your friend.

And yet when you speak to an agent or when one visits you after an accident it will appear they just want to see you well and made whole again. That is the purpose of insurance…..to make you whole again.

However, the insurance company is a business first.
Any information you volunteer is kept on file.
When that information is helpful to the insurance company and hurtful to you, it will be used against you.

Do not volunteer recorded conversations until you have spoken to your attorney.

In most cases, an insurance company will stop speaking with you directly when you tell them that you have retained an attorney.

DON’T SIGN ANYTHING YET
A statute of limitations requires you to settle property and medical claims or lose the rights to those actions. Statutes change, but they are in terms of years, so check with your attorney, but don’t panic. There is no need to rush a signature to settle an account. Ask why an insurance agent would need to push you to settle an account just to get you a little money now. In most cases the attorney or the doctor or both will allow deferred payments.

EVALUATE YOUR ATTORNEY IMMEDIATELY
Make use of your confidential and no-cost consultation immediately.
You will determine how well you like your attorney during a consultation and how you feel you can trust your attorney. That’s important to you and the attorney.

KNOW YOUR RIGHTS
This is not the time to wait. You can ask an attorney what rights you have that protect you from losing much when it comes to a car crash, especially when injuries are involved. Your car accident injury attorney knows the area well, local customs and laws, and knows how to make the legal system become more efficient for you and your well-being. Call us now.

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Our city has a booming economy that is growing quickly. With all growth comes growing pains. With the increase of people comes an increase in accidents and before you know it you could find yourself on the wrong side of one. If you ever do find yourself in that difficult situation, the first thing to do is establish fault. The person who is at fault will carry the burden of liability, they are also the person who will experience the increase in premiums. After a car or truck accident, just how do you establish fault? I have a few tips that might help you out.

1. What Happened Before the Accident?
If you have been rear-ended, then more than likely the other driver is at fault, but what about other scenarios? It can be difficult to determine fault, but if the other driver was swerving, speeding, or using their cell phone while they were driving, that could be a clear indicator of fault. If you saw the other driver doing any of these things before a car accident, then notify the officer on the scene immediately. If not, then make sure you note the activity you saw them involved in and give it to your attorney when you meet with them.

2. Are There any Witnesses?
If you are lucky, there were people who saw what transpired before your cars collided. They might have seen the other driver engaged in reckless activities, and may be willing to speak out on your behalf. Make sure you get a phone number and email address where they can be reached in case you need them to make a statement. This will be very helpful in arguing your case against the insurance company.

3. Was the Driver Ticketed?
If the other driver was written a ticket by an officer on the scene, then the other person violated a traffic law. This violation could be what led to the accident. The officer might have even named the other driver at fault on the ticket, so make sure you have all of that information to present to your attorney. If there was no officer present, then notate if you saw the other driver violate any laws.

4. How Did the Other Driver React?
The moments after an accident are jarring, and the other driver may admit that they were at fault without realizing it. If they comment that they didn’t see you or apologize then they are admitting fault, and you should note exactly what they said and at exactly what time. Taking the necessary action could make the difference between dealing with an insurance increase.

Regardless of who is at fault, you need to contact a lawyer as soon as possible after the accident. Your lawyer will make sure that all of your questions are answered, and that you aren’t blindsided into saying something you wish you hadn’t by the insurance company. Contact our experienced personal injury lawyers today, will fight for your rights, and make sure that you get the car accident settlements you deserve.

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Dog bites – facts and figures

4.5 million people are bitten by dogs each year.

885,000 people (20% of all dog bite victims) require medical attention from dog bites.

359,000 people (50% of all dog bite victims) are children.

27,000 victims of dog bites undergo reconstructive surgery each year.

In one year alone, thirty-one people died as a result of a dog attack in the United States. Homeowner liability insurance companies paid out over $483 million dollars to dog bite victims that year.

The average amount paid per dog bite claim was $28,035.

46.3 percent of U.S. households own a dog.

85.2% of dog bite victims had no prior relationship with the dog.

87.1% of dog bites occur without an able-bodied person present to intervene.

77.4% of dog bite victims are unable to defend themselves against a dog based upon the victim’s age or physical condition.

Texas was ranked 7th in the country for the highest number of dog bite claims.

775 insurance claims were filed in the State of Texas in one year alone.

Texas insurance companies paid out $15 million dollars for one year.

Texas leads the nation in Fatal Dog Attacks.

34 dog bite fatalities were reported in Texas in a period of 9 years.

Pitbulls were responsible for 26 fatal attacks in the State of Texas.

Rottweilers caused 5 fatal attacks in the State of Texas.

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4/19/2020 law – gtg

2 Reasons Why Distracted Driving May Still Be A Significant Problem in Texas Car Accidents

While, it’s common knowledge that distracted driving costs lives, many people are still unaware of just how widespread the problem is. This is greatly due to the fact that the popular media has simplified the issue by focusing on “texting” and the use of other electronic devices. However, distracted driving has been a problem long before such electronic devices were so widespread. In fact, in talking about distracted driving in terms of only “texting” we ignore the multitude of distractions that existed before the advent of smartphones and GPS devices. Our team of car accident lawyers has noticed that distractions such as eating while driving, putting on make-up, passenger distractions, rubbernecking, adjusting dashboard controls, and sightseeing are among some of the distractions that existed long before “texting,” and which have just as great a tendency to cause an automobile accident as a modern distraction.

However, there is a good reason that many city and state lawmakers have zeroed in on electronic devices when drafting laws aimed at curbing distracted driving. Mainly, because the solution to the problem is so blatantly obvious – put the phone down!

Many cities in Texas have taken the lead in banning “texting” while driving. If public education and threats of criminal prosecution can persuade drivers to exercise greater care to avoid distracted driving, then perhaps we have a chance to eventually target other forms of distracted driving as well.

There have been many news stories about teenagers killed in Texas due to texting and driving. However, the problem with texting and driving isn’t confined to only teenage drivers. In fact, according to a recent survey by the AAAFTS, about 92 percent of drivers over the age of 20 admit to texting and driving regularly. In each case, drivers agreed that texting or emailing while driving is dangerous, and 80% of drivers surveyed support laws imposing fines and/or criminal penalties for violators. Indeed, teens aren’t the only offenders. In fact, a survey conducted by SADD and Liberty Mutual Insurance found that 60% of teens reported that they had witnessed their parents texting while driving.

These findings confirm what State Farm found in a distracted driving survey. State Farm found that 24% of drivers admit to accessing the Internet while driving, which is almost double the rate found in a similar survey from 5 years prior.

The perils of distracted driving are obvious, which is why 40 states, including Texas, and the District of Columbia have not banned texting while driving. However, notwithstanding the bans, many continue to text while driving (likely due to the difficulty in detecting violations and enforcing such laws).

You Need Not Be a Distracted-Driving Accident Victim

Our car accident lawyers want to remind you that that distracted driving is not a victimless crime. Estimates suggest that distracted driving causes 1.6 million crashes per year and 11 teen deaths a day in the United States.

If you or a family member has been injured in a traffic accident caused by a distracted driver, don’t be victimized a second time by bearing the cost of your accident losses alone. Demand justice and fair compensation for the injuries that you have suffered.

While there are many experienced personal injury lawyers you could call, an attorney who specializes in car accident cases is best equipped to handle your distracted driving car wreck case. Call us to schedule a free, confidential case review with one of our trusted car accident attorneys.

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The lawyers of our Law Firm are dedicated to assisting those injured in motor vehicle accidents in the area. If you or someone you love is suffering due to a serious injury sustained in a car accident that happened in the area, you can count on the experienced lawyers at our Law Firm to work on your behalf to pursue the maximum compensation to which you are entitled.

By contacting one of our experienced car accident attorneys today, you can be assured of the best possible future for you and those that depend upon you.

Schedule your case evaluation with a car accident attorney today by calling our office.

Have you been injured in a motor vehicle accident in the area? Depending on the circumstances of your accident, you could be eligible for financial compensation. If you have questions about your rights or your options after an accident, call a car accident attorney for a thorough case evaluation.

Do You Have Questions About Car Accidents? We Can Help.
Car accidents can leave victims overwhelmed and confused. These incidents may happen for many reasons, but often accidents are caused by the negligence of other drivers. When drivers inflict injuries on others through poor driving, the victims of these accidents may be eligible for financial compensation. Even if the details of your car accident are unclear, you could benefit from a case evaluation with an attorney. He or she can determine if subsequent steps should be taken.

Motor Vehicle Accidents And Your Compensation Case
Motor vehicle accidents include many different types of vehicles. Truck, car, motorcycle, bus, and pedestrian accidents can leave a family devastated and victims with severe injuries. Sadly, negligent, dangerous and distracted driving causes many motor vehicle accidents. Regardless of the cause or circumstances of your accident, a car accident attorney can determine if you may be eligible for financial compensation.

Drivers Affected By Accidents Likely Have Many Questions
It is normal after a serious car accident to have many questions and concerns. You may be wondering what to do next, how to rebuild your life and the best way to collect the compensation that you deserve. For legal assistance ranging from dealing with auto insurance to evaluating how much your case could be worth, a car accident attorney has your best interests in mind. Get the help you deserve from someone with the knowledge and experience you need.

Are You Suffering From Accident Injuries? Let A Car Accident Attorney Help You And Your Family.
Accident injuries can leave a family physically, emotionally and financially devastated. Typical injuries from car accidents include neck and head damage, and death is often a tragic consequence. Victims who have suffered as a direct result of the actions of another driver could be eligible for financial compensation. Do not face the bills and expenses alone after an accident injury. Let a car accident attorney help you.

A case evaluation can reveal if you could be eligible for compensation after a car accident. Car accident cases are time-sensitive, so do not delay in seeking the help you deserve.

Schedule an appointment with an experienced car accident attorney by calling our office to schedule a free consultation.

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If you have been involved in a car accident, there are 9 critical things that you need to know to make the best of your case.

1. You should never lie about any aspect of your case (not to either insurance company, your attorney, or your doctor). The truth will always surface and once your credibility is damaged your case can easily be dismissed.

2. Do not accept payment or sign any type of release from an insurance company unless you know exactly what it covers. If you have an attorney, make sure that your attorney is made fully aware of every piece of mail, phone call, or email that comes from the insurance company. Although the insurance company is not supposed to contact you directly once an attorney is brought into the equation, do not think for a second that they will not try to go behind your attorney’s back to trick you into signing something. A technique they often employ is having you sign a paper that releases them from “any and all claims” while they explain to you that you are only settling the property damage portion of your case. if you do not have an attorney, it is a good idea check with one before you sign anything just to get a second opinion. If you already have a lawyer, don’t sign anything that your attorney is not aware of.

3. Never hide past injuries from your lawyer. In all probability, the insurance company will discover that you had the old injury. Since the advent of the internet, it is that much easier for them to determine whether or not you have a preexisting injury simply by using a central database that is shared by many insurance companies. If you tell your lawyer about any previous accidents from the beginning, he can foresee any issues that may arise and formulate a strategy well in advance to deal with those issues. Your case may be destroyed if he is not informed and he gets caught off guard in the middle of negotiations.

4. Develop a “pain diary” that is updated daily. Use this pain diary to chronicle how you feel, any medications and side effects, visits to your doctor and chiropractic or therapy appointments, and the effect your accident has had on your ability to work or perform normal activities the way you did prior to the accident. You don’t have to get too carried away with the diary. It just needs to be a few short sentences each day explaining how you feel. Armed with such a document, your memory of your injuries and suffering becomes quite credible. Without such a document, your recollection of the pain may be called into question.

5. Don’t be a “tough guy or girl”. If you are feeling any level of pain, stiffness, swelling, etc. after your accident, consider that as your body’s method of telling you that something is wrong. You would not believe how many times I have been hired to represent a car accident victim who thought they were just “a little sore” only to find out that they were in need of major surgery. In other words, see a doctor immediately after your accident and find out what is wrong.

6. Imagine that the insurance companies are always watching you; because they just might be. Photo and video cameras are quite small these days, and as such you can be videotaped or photographed any place at any time. You cannot expect to do normal activities after your injury. Sometimes, an accident victim will have a genuine injury, but they will make the mistake of “playing through the pain” by performing an activity that a healthy person would do. (for example: lifting a bag of dog food from the grocery basket into your car) The accident victim may be in excruciating pain while doing so, and their injuries may be completely justified, but on camera it will look like they are faking their injuries. Such damning footage will destroy your case.

7. Always keep in mind that there has never been an insurance company with a policy of playing fair, paying claimants in a timely manner, or paying clients the maximum amount that they are entitled to. Insurance companies just do not work that way, and making you wait is one of the tactics that adjusters use in order to force you into accepting less than you should when they catch you off guard with a low ball number after you have been waiting. Additionally, the insurance company wants to keep that money liquid for investment purposes or earning interest in the bank. (Are you aware that most insurance companies profit more per year by investing insurance premiums (in real estate for example) than on new premium dollars received?)

8. Try not to think of your case as all or nothing or 100% or 0%. This is tied together with rule number 1, don’t lie. It is human nature to want to feel 100% justified in things. The law is not that black and white, and there are varying degrees of every element in a car accident case from liability, to impairment. What does that mean to you? If you are partially liable, that does not mean that you can’t obtain a legal victory. Do not feel the need to exaggerate in order to make your self 100% in the right. It’s just not necessary. It could very well destroy your case.

9. Be mindful of all of your damages. If you have not already hired an attorney, it is very likely the other driver’s insurance company will know that they can give you a little “go away” money and they may offer you some cash for your pain and suffering after your accident. The real question is are they really compensating you for all of your damages? Your damages may include normal elements such as medical expenses or lost wages, or less obvious damages such as compensation for disfigurement (however slight it may be) or loss of consortium. An insurance company has no incentive to volunteer compensation for all of your damages, especially if you do not have a lawyer to put the entirety of your damages into perspective. A good lawyer will be able to help you properly quantify all of your damages to maximize your recovery.

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It happens all of the time. Too many car accident victims listen to poor advice from misinformed family members and friends. Although they have good intentions, the bad advice you hear from non-lawyers can destroy your case causing you to get no money or less money than you deserve. Once this damage is done your attorney will be able to do little to help you. This article will provide you with the information you need to avoid many of the common mistakes.

Why is it so easy for accident victims to damage their own car accident case?

The primary reason that it is so easy for you to damage your own car accident case is due to the fact that the process was specifically designed to work that way by the car insurance companies. There are certain rules that the insurance companies must abide by as set forth by State law. These rules determine much of the way that an insurance company is allowed to communicate with the accident victim, but the rules fall short and leave a large portion of the process open to interpretation. The insurance companies use this to their advantage.

To summarize, the insurance companies can technically play by the rules (meaning they are not breaking any laws), but they can still deny your claim or reduce the amount of financial compensation that you receive based entirely on a technicality that they have complete control over.

If you think “That’s not fair!” We agree with you.

How an attorney can help you!

Now that you have a better understanding of how the insurance companies are able to get away with some of the tricks that they pull, you are probably left wondering, “How can an attorney help?”

There are many misconceptions about “how” a law firm helps you win your case. For some reason, most attorneys have always operated in relative obscurity as if they did not want to reveal their techniques. On the contrary, our firm feels that it is important for our clients to understand all of the hard work that we are doing for them. With that in mind, we offer this explanation: The way that an experienced attorney helps you win a car accident case is by understanding the tricks that the insurance companies use, and beating them at their own game.

It’s really that simple, or that complicated depending on your attorney’s level of experience. Our firm knows the techniques that the insurance companies use and we know how to navigate through the process and avoid all of the pitfalls.

Arguments, techniques, and technicalities exploited by the insurance companies

You may be asking yourself, “So what exactly are these tricks that the insurance companies use?”

Here are a few examples:

1. Anything you say can be used against you

When you speak to an insurance company representative, everything that you say can and most likely will be used against you, if at all possible. It is human nature for us to change our stories ever so slightly if we are asked the same question in a different way–and I am not talking about lying. Being asked for new information or being asked to explain the same event but from a different point of view causes us to think about events and circumstances in a different way. This brings to light new information that, in the big picture, does not change the events of your accident, that is, until the insurance company twists your words in an effort to deny or reduce your claim.

As an example, let’s imagine that you were in an accident where you were rear-ended. While talking to the responsible party’s insurance company they ask you to explain your side of the story. You explain that their insured driver hit your vehicle from behind while you were slowing for traffic. Under Texas law that would mean that their insured driver is at fault, aside from a few extreme situations. The adjuster may ask you, “So they were following you too closely?” Naturally you would agree with that statement as the whole reason that the accident happened is that they did not leave enough braking distance to stop without hitting you. The insurance adjuster might then ask you if it was making you angry that they were following you so closely. Naturally you will reply, “Yes!” Their next question may be “Do you normally stop early so that you avoid hitting the car in front of you?” Naturally, you say “Yes.” What you do not realize is that they just got you to admit that “stopped early”. You inadvertently opened the door for them to accuse you of “brake checking” the other car. You admitted you were angry that they followed you too closely. You admitted that you “stopped early”. All the adjuster must do is catch you off guard with an accusation, and you just accidentally destroyed your own case.

An attorney will help you avoid all of this nonsense by speaking to the insurance company on your behalf, thereby eliminating the possibility that they can use your words against you altogether.

2. They ask you to repeat everything

Each time you call to check the status of your claim you will probably notice that you find yourself explaining your story over and over again, and that the call is often taken by a different person than your adjuster. This is not a coincidence. This is yet another part of the above-mentioned strategy. They are creating an opportunity for you to slip up and say anything that they can use against you.

On the contrary, when you have an attorney, one single adjuster will communicate with the attorney, thereby eliminating the effectiveness of this technique.

3. Lapse of treatment

A common argument used by the insurance companies is that you waited too long after the accident to get treatment for your injuries. This is known as a “lapse of treatment” argument. For example: You are involved in an accident where the other driver rear-ended you and a witness corroborates your story. Clearly the other driver at fault so their insurance company isn’t going to argue liability (in theory). They accept liability and now their new mission is to pay you as little as possible. The insurance company discovers that you waited two days after your accident before you went to see a doctor. While you and I know that is a reasonable time period, as most injuries do not fully manifest themselves immediately after an accident, the insurance adjuster will insist that this lapse of treatment is an indication that your injuries are less severe than you claim. This creates a perfect opportunity for the insurance company to trivialize your injuries and offer you a ridiculously low offer.

An experienced attorney will establish a causal link between your injuries and the accident that would be quite challenging for the insurance company to refute.

4. Lack of police report

If you did not call the police to come to the scene after your car accident you are playing right into the insurance company’s hand. This creates a situation where it is your word against the other driver’s, and believe me when I tell you that you would be shocked to discover just how many people will lie about their liability in a car accident. If you do not have a police report that shows the other driver to be at fault, the insurance company can certainly use that against you. This goes back to the issue of the insurance company having a lot of freedom in interpreting the rules. If there is a police report that shows their driver to be at fault, they will have a hard time arguing against that. But create an opportunity for them to have a reasonable chance at denying liability, and they will certainly take advantage of that.

An experienced attorney knows that even after the accident, there is often physical evidence that shows what really happened. Our firm will often conduct our own investigation that produces a result similar to a police report when one is not available.

An Attorney’s Leverage

With all of that in mind, what makes the insurance company want to play fair with the attorney? Where does the attorney get this “power” from? In The State of Texas, an accident victim has two years from the date of the accident to file a lawsuit. Insurance companies do not want to deal with a lawsuit because it creates an opportunity for them to go before a jury, and, let’s face it, juries are not usually kind to insurance companies. Your attorney will negotiate with the insurance company and attempt to get you the compensation that you deserve. The attorney uses the possibility of a lawsuit as leverage against the insurance company. Your attorney’s presence effectively implies, “Treat my client fair or we will sue you!” Naturally, the effectiveness of that threat is proportionate to the attorneys’ ability to win cases. Our firm wins. The insurance companies are aware of this, and they take us seriously.

In conclusion, the best way to avoid damaging your case is by contacting a lawyer immediately after your car accident, before you ever have an opportunity to fall into an insurance company trap. The experienced car accident attorneys of our Law Office will listen to your story, help you make informed decisions, and guide you through the process toward a favorable outcome. Don’t be a victim twice.

If you have any further questions or would like advice, please contact us for a free consultation. Our attorneys are happy to answer any questions you may have.

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What to Expect After a Car Accident

Car accidents happen in Texas every day. This article describes the basic overview of what to expect after a car accident (from the perspective of the accident victim who has sustained an injury).

The process is generally made up of the following phases:

1. The scene of the accident

The car accident itself usually only takes a matter of seconds, but the specific details that occur in these moments will largely determine what to expect in the coming weeks or months. Instead of explaining what you should have done, I will list some of the common mistakes and hopefully you can take advantage of this information to avoid those pitfalls.

You should always get a copy of the police report. If you fail to a copy of the police report you may create a situation where it comes down to your word against the other driver’s word. A potential client contacted our firm recently and shared a story where that was exactly what happened. His car was crashed into by a pickup truck that lost control when it was driving too fast in the rain. The victim chose not to call the police and a report was not filed. The victim filed a claim with the other driver’s insurance company and they conducted an “investigation”. When the insurance company asked their insured driver he just lied and claimed that another car hit his truck which caused it to spin out of control and crash into the real victim. It was an utter fabrication, but the insurance company used that lie as the basis for denying the victim’s claim all the while claiming that the imaginary 3rd car was to blame and that the victim should track down their insurance company. Let’s get real here. The other driver’s insurance company did not actually think that some mysterious 3rd car caused the accident. They were simply in a position to deny coverage for the victim based on a technicality and they did just that.

Do not trust the other driver. Often, the other driver will try to talk you into accepting payment out of pocket instead of dealing with their insurance company. DO NOT FALL FOR THIS! While the other driver may not have malevolent intentions, it is very likely that they do not have the resources to pay for your property damage and your injuries out of their pocket. Few people have that kind of money lying around, and those that do are usually smart enough to have insurance to protect their assets. Even if you only have minor injuries your medical expenses can still approach several thousands of dollars quite easily, and few people have the assets to properly compensate you for these injuries. Additionally, they may give you an excuse as to why they need to leave the scene, but they promise to meet up with you later to exchange insurance information. You should never allow this to happen. Chances are, you will never see them again.

If you have been injured, go directly to the hospital. Failure to get medical care in a timely fashion will diminish the validity of your assertions of pain and suffering, and it will effectively give the insurance company another argument to make against paying you a reasonable amount of money. Put yourself in the insurance company’s shoes. As far as they see it, if you did not even bother to go to the hospital, you must not have been injured that bad. An experienced car accident lawyer can help you overcome this argument. Nevertheless, this is an argument that you need to be aware of.

2. Treatment

The second phase of the process involves getting the treatment you need for your injuries. Getting your health back on track is the most important aspect of your car accident case for obvious reasons. The way that the treatment phase is handled will also have a dramatic impact on the financial outcome of your case.

As a car accident attorney, I hear countless stories from my clients where a relative has given them some pseudo-legal advice. The vast majority of it is completely inaccurate, but probably the worst example I have ever heard is where a client’s relative advised her not to take an ambulance to the emergency room after her accident (in which she suffered significant injuries) because the ambulance bill would ultimately be taken out of her settlement and she would get less money in her pocket. That is a very skewed perception. Any and all medical bills serve as the foundation for any civil action taken against the responsible driver and their insurance company. In short, the more legitimate medical expenses that you have, the greater the potential value of your case. Conversely, if your medical expenses are too small the insurance company will have a strong argument that your damages are too small to justify any type of decent settlement. The rationale is that if you are not injured badly enough to see a doctor then you are not hurt badly enough to justify an insurance settlement. If you are legitimately injured and you have already let time pass between your accident and treatment, or you have not received enough of the treatment you need to validate your claim, our lawyers still may be able to help you save your case. We recently tried a case in which a young woman was rear-ended and she suffered a back injury. Because she did not get the proper treatment, her severe injury had gone mostly undiagnosed. The insurance company offered her $900 for her pain and suffering. Luckily, the client knew a bad deal when she heard one, and she hired our firm to represent her. By getting her the treatment that she needed, which resulted in substantive medical expenses that we could base her lawsuit on, we were able to turn her $900 offer into a six-figure settlement.

3. Claim

The third step in the process is the claim phase, whereby the accident victim or their attorney will file a claim with the other driver’s insurance company. Technically speaking, the claim will be ongoing at the same time as the treatment phase. For most people, the claim process starts just after the car accident occurs. The vast majority of our car accident clients made an attempt to resolve the issue with the other driver’s insurance company and they turn to us only when they realize that they are not going to be treated fairly. Once a lawyer becomes involved, the accident victim can just focus on getting better and the lawyer will now deal with the hassles of the claim process. The lawyer “runs interference”, so to speak, for their client. This is a great benefit for the client as it insulates the client from the adjuster’s tricks.

The claim is divided into two sections: The property damage claim, and the personal injury claim. They are often handled by two or more different insurance adjusters, of which the more aggressive and experienced adjuster will handle your personal injury claim. There is not a whole lot of “gray area” in the property damage claim. A car will have X value and Y amount of damage. If the cost of repairing the damaged vehicle is reasonably proportionate to the value of the vehicle, the insurance company will fix it. If the cost of repair will cost almost as much as, or more than the value of the car, they will simply deem the car a total loss and cut you a check for the approximate value. While the price they give you is not always fair, the process of determining value is, for the most part regulated and this affords the adjuster few opportunities to play games.

On the contrary, the personal injury portion of the claim is considerably different. The rules are largely open to interpretation and the insurance companies often treat injured victims unfairly. The primary reason for this poor treatment comes from the fact that health care costs a great deal of money. The insurance company, just like any other business, would like to pay out as little as they can. They employ many techniques to keep you from getting all that you are entitled to. In their defense, the insurance companies do have a tricky job in the sense that they have to deal with the abundance of scammers out there, who attempt to lie about their injuries and commit insurance fraud. While that is a daunting task, it most certainly does not excuse the insurance companies from the way they mistreat honest people with real injuries.

4. Property Damage Resolution

Once liability has been determined, the other driver’s insurance company will compensate you for the damage to, or loss of, your vehicle proportionate to the amount of liability that they have. The property damage situation is generally resolved long before the personal injury portion due mostly to the fact that the claims process for property damage is pretty straight forward. Matters related to property damage are more closely regulated by The State, so the insurance companies usually don’t mess around way they do with the injury portion of the claim. As an added benefit to our clients, our lawyers can handle the property damage negotiations as well. We do NOT charge attorney fees for helping with this part of the process.

5. Injury Resolution

The moment the client has completed their medical treatment, our attorneys will calculate all of the client’s damages. The term damages refers to any and all money that a client deserves as a result of the accident. Some types of damages are more apparent such as compensation for medical expenses, lost wages, and pain and suffering. There are other more obscure forms of damages as well. For example, you can be compensated for mental anguish if your accident has caused you to suffer from depression. If your injury has made it hard for you to be intimate with your spouse or partner, you can be compensated for that as well. There are numerous forms of damages, and our lawyers work to make sure that you are compensated for everything that you are entitled to.

Once all of your damages have been assessed, a “demand packet” is sent to the other driver’s insurance company (or their attorneys if applicable). Upon receipt of the demand packet, the negotiations begin and our attorneys fight to reach a fair resolution for our client. If both sides can arrive at a fair agreement the case is “settled”, meaning the defendant or their insurance company pays an agreed-upon amount to our client. If such an agreement can not be reached, then the case will likely go to trial and a jury will decide the outcome.

If you have any further questions related to how car accident cases work, feel free to contact us. Our attorneys are happy to answer any questions you may have.

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Accident Reporting and Procedures with the Insurer Principle

Your insurer will give you an “accident report”, which will help you in case of a traffic accident to be fully compensated for losses and injuries. To be compensated, you must meet deadlines for reporting this incident to your insurer. You must initially establish a statement or claim. The accident report is given to you by your insurance company. You can ask them for more copies at any time. It is strongly recommended to have at least one copy in your vehicle. This document specifies the information about the circumstances of the accident and in particular to determine the responsibility of the drivers involved. Then you should submit this document to your insurer by registered mail (return receipt preferably) within 5 days of the accident. The accident report must be signed by each driver involved in the accident. You must complete the front (part observation) at the scene of the accident with the other driver, all in a single observation. The report must be signed by both drivers to be valid. Each party shall retain a copy of the statement after completing the common area. The back (declaration part) can be completed later by each driver individually. If the accident involves multiple vehicles, you must complete a joint report with the driver who preceded you and another report with the following you. You can also include photographs of the accident later after completing the first part.

Refusal to sign the accident report

If the other driver refuses to sign a joint report, you should record the tag number of the vehicle and get their license number if possible.

Try to get the testimony of those who witnessed the accident or the intervention of a police officer. If you have witnesses, try to get their contact information so they can be contacted possibly later. Complete the statement noting the refusal of the other driver. For this, use the “Comments” of the front of the statement. If the other driver flees after the accident, try to get the number of the license plate and call the police to inform them of the facts. In both cases, provide this information within 5 days to your insurer.

Bodily injury

During a traffic accident, if a person has been injured, you must call the police and or an ambulance. After authorities secure the scene of the accident, establish a record of the circumstances of the accident. Get the identity of the drivers involved, passengers, pedestrians and witnesses if any. Even if the authorities establish a record, you should report the accident to your insurance company. If you are injured, you need to establish a medical record from the hospital or doctor stating your injury and contact your insurer by asking a provision for compensation for your injuries. If you did not report an injury in the accident report and you feel pain a few hours later, see a doctor as soon as possible and report it to your insurer. You may want to contact a car accident lawyer.

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Can you really trust an insurance company?

As a car accident attorney, a phrase I hear far too often is, “The insurance adjuster seemed so nice… I thought I could trust them.” Unfortunately, this phrase is always followed by an explanation of how the adjuster has tried to (and in some cases succeeded to) take advantage of the accident victim.

If you have been involved in a car accident, you will likely have to deal with an insurance adjuster at some point in the claims process. The vast majority of our firm’s clients hire us after they have realized that the insurance adjuster is not going to treat them fairly, and or the insurance adjuster is not going to offer them a reasonable settlement. (Note: The sooner a lawyer becomes involved in your case, the greater the likelihood of a high dollar settlement.) More often than not, the accident victim does not realize that they are being taken advantage of until it is much too late because the insurance adjusters are nice to them and the accident victim has no idea that they are being led into a trap.

In my 20 years of practicing this type of law, one thing remains certain:

THE INSURANCE ADJUSTER IS NOT YOUR FRIEND!!!

To put this into perspective I want to share a story that is, unfortunately, a true story about a woman who fell for the “We care about you” act. Her misplaced trust cost her potentially millions of dollars.

For twenty years, I have been trying to help victims who have been involved in 18 wheeler accidents. This work unfortunately puts me in frequent contact with the insurance companies that provide coverage for the trucking industry. I have seen these insurance companies employ countless deceitful tactics to preserve their bottom line, but few cases have stuck with me as long as the story of Jackie.

Jackie was a mother of three, married to her high school sweetheart, Joe. Joe was killed by an 18 wheeler. He was changing a flat tire on the side of the road, when an inattentive 18 wheeler driver swerved onto the shoulder and struck Joe, killing him instantly.

The insurance company providing coverage for this 18 wheeler knew about Joe’s death before Jackie did. They had already sent an attorney and an accident recreation expert to the scene to build a case against Joe by the time Jackie even got the news.

Needless to say, Jackie was devastated when she heard. The insurance company quickly realized that the 18 wheeler driver was liable for the accident. Jackie had gone to the morgue to identify her husband’s body, where she was confronted by an insurance adjuster with a settlement offer. Jackie was furious.

Unfortunately, this is a common tactic employed by insurance companies. They will often send an insurance adjuster to a victim’s family shortly after the incident, hoping to take advantage of the tragedy in order to protect their bottom line. But in this situation, Jackie’s brother forced the insurance adjuster to leave.

Jackie’s brother also suggested that Jackie sue the trucking company. But Jackie said that she was not “money-hungry.” She trusted the insurance company to compensate her fairly. The accident was their client’s fault, after all. Surely they would help her in this crisis.

For two weeks, Jackie received countless phone calls. Eventually, she agreed to meet with an insurance company representative. The insurance adjuster came prepared. She had a settlement package already filled out, ready for Jackie’s signature – and she was very aggressive in seeking it. The adjuster also convinced Jackie that, if she took the trucking company to court, she would only receive compensation for her husband’s lost wages. This, of course, was a bald-faced lie.

Jackie was frightened and overwhelmed. She was faced with the prospect of raising her three children alone. She was suspicious, but she agreed to accept the settlement if she could have it reviewed by an attorney. Without missing a beat, the insurance adjuster got on the phone and brought an attorney to Jackie’s house.

Little did Jackie know that the attorney was employed by the insurance company. He glanced over the settlement and told Jackie that it was the best offer she was going to get. Reluctantly, she signed the settlement.

Only too late did she realize how small the settlement really was. With the help of an experienced attorney, she could have received compensation for her husband’s lost wages, any funeral expenses, the loss of companionship caused by his death, and possibly even punitive damages. She deserved a million-dollar settlement. What she got was a settlement worth only a few years of her husband’s wages. And to make matters worse, the settlement was written in such a way that, once Jackie’s children were grown, her payments dwindled to $600 per month. $600 per month as compensation for the loss of the man she loved.

I wish I could say that this was a one-time incident, but this sort of thing happens every day. The insurance adjuster who essentially scammed Jackie out of the compensation she deserved was likely hailed as a company hero, saving the insurance company millions of dollars.

The bottom line is that these insurance companies care only about their own profits, and they will do almost anything to protect themselves. If you or someone you love has been involved in an 18 wheeler accident, you must seek out an experienced attorney immediately. Don’t fall for the tricks employed by these insurance adjusters. Make sure that you and your family receive the compensation you deserve.

As you can tell from that story, insurance companies will often resort to unscrupulous methods to pay out as little money as they can. I find it interesting that our society can see through a sales pitch, or at least recognize that it is one, yet they rarely second guess the sales pitch of an insurance adjuster.

If you plan to deal with an insurance adjuster without an experienced attorney to help you, you must, at the very least, be aware that the vast majority of what they ask of you and say to you is a well-orchestrated pitch designed to lure you into a position where they can take advantage of your good nature. That effectively, IS, the insurance company’s business model.

I am a realistic attorney and I understand that there are people who would rather not hire a lawyer or sue and an insurance company. Additionally, understand that not every single car accident requires the expertise of an attorney. But, I do think that everyone who has been in a car accident should at least be aware that the insurance adjuster is not really your friend and that all of their supposed interest in your well being is just part of the sales pitch. Generally speaking, if they are treating you particularly well it’s because they know they have some liability and they are trying to charm you into not suing them for big money while they attempt to pacify you with a small settlement.

In short, get a second opinion from our experienced attorneys before you accept any offer. You’ve got nothing to lose and potentially much to gain.

Just call to speak to one of our lawyers, and we will give you an honest appraisal of the situation as to whether or not you are being treated fairly by the insurance companies. We are glad to answer any questions you may have.

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Some years ago Texas enacted fairly significant “tort reform” and the results of changes in the law are mixed and somewhat surprising.

One of the centerpieces of the tort reform law was how the innocent victim is compensated for their medical expenses as a result of the negligence of another. The “paid or incurred” provisions were intended to prevent a claimant from obtaining medical expenses that he or she did not have to actually pay.

Unfortunately, the paid or incurred provisions of Texas tort reform have the unintended consequences of penalizing the responsible Texas family in favor of the negligent party.

A person who does not maintain health insurance is treated much more favorably under Texas tort reform than the family member who has taken the responsible approach and carries health insurance.

What the law also does is give the benefit of the premiums paid by a family in Texas to a drunk driver, without compensation for the premiums paid for health insurance by the Texas family.

In other words, if you are in an accident in Texas and you have health insurance you’ll be treated less fairly than if you didn’t. Worse, you are not compensated for your responsibility and cannot collect any part of the premiums paid for your health insurance from the negligent party.

After being seriously injured through the negligence of another, many Texas families then find themselves with “preexisting conditions” which now dictates higher and higher health insurance premiums, for which they cannot be compensated under Texas tort reform.

Recent court cases in Texas have also hurt Texas families who have been the innocent victim in an accident by requiring extra costs to be paid by the innocent victim to “prove up” their medical expenses in court.

This makes the cost to the Texas family who has had a family member injured significantly more expensive than under prior interpretations of the law.

Another interesting development from the tort reform implemented in Texas is that auto insurance rates have continued to rise at record paces despite the significant decline in actual claims paid.

Finally, Texas tort reform has also had the unintended effect of requiring many policyholders to go through the litigation process as a defendant because their insurer refused to settle a clear liability legitimate claim.

Texas has repeatedly declined to regulate claims handling practices by insurers in any meaningful way and it has had a negative impact on both victims and the policyholders.

In effect, Texas families did not benefit by reduced premiums they were promised but the insurance companies have posted record profits every year since tort reform was implemented.

Many other states require an insurer doing business within the state to pay out a specified level of premiums collected within the state for actual claims. This approach has proven to reduce premiums to families for automobile insurance and other types of insurance. In effect, limiting the profit of an insurance carrier to a reasonable level serves both the community and the policyholders.

It is hoped that Texas will adopt such a reasonable approach and require insurance companies reaping profits in the state to pay out a minimum percentage of the premium collected to actual claims. To do otherwise, has served to make Texas families nothing but a honey hole for insurance companies.

With tort reform, Texas families were promised that their insurance premiums would decline and that claim has thus far proven to be mostly inaccurate.

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After a car accident, you may be overwhelmed and not know where to start when you need compensation from the liable party’s insurer. While under medical care and struggling to recover, and getting treatment for your injuries, seeking legal recourse against the responsible parties may be the last thing on your mind. Contact a car accident attorney from our firm for more information on your case and to protect your right to the compensation you deserve. Below are some of the most frequently asked questions people ask us after an auto accident.

Do I need an attorney?

Even if no one is injured in the car accident, each person involved will have their insurance company trying their hardest to avoid paying out compensation for damages where it is due. A board-certified attorney is absolutely essential to recovering compensation.

What should I do before leaving the scene of the accident?

Before leaving the scene of the accident, it is important to get the names, contact information, and insurance information of every single person that was involved in the accident. One way to do this is to call a police officer to the scene, who will fill out a report and have all parties sign it. Hit and run is illegal, so make sure you have talked with the officer and that it is okay to leave the scene of the accident, or you could be charged with hit and run.

What should I not do at the scene of the accident?

You must remember, even your insurance company will try to minimize the amount of money they payout to you. With this in mind, never make a statement to your insurance company or anyone else’s without speaking to an attorney first. Even if you believe the accident was the other driver’s fault, there are many other factors that need to be considered first, so never make a statement admitting guilt or responsibility to anyone at the scene of the accident. If a police officer gives you something to sign, it is okay to sign it. A report or ticket is not an admission of guilt.

When should I seek medical treatment for my injuries?

It is important for your own safety to seek medical attention immediately. From a legal perspective this is also advisable, because if you wait days or weeks to seek treatment, the insurance companies involved may try to claim that the injuries were not sustained during the accident, but in the interim between the accident and the medical treatment. Seek medical help right away.

What if the other driver was uninsured or underinsured?

Depending on the type of insurance you have, you may be covered for accidents with an uninsured or underinsured driver. In these cases, your insurance company will pay any costs exceeding the other driver’s insurance settlement.

How long do I have to seek compensation?

The state of Texas requires that injury claims be filed within two years of the accident. However, cases that old can be difficult to prove. You should speak with an attorney as soon as possible to discuss the best time to file your claim.

Car Accident Attorney
Being in a car accident can turn your life upside down, but at our Law Firm, we are dedicated to helping our clients get their lives back to normal after a devastating car accident. Our attorneys have over 100 years of combined experience and are ready to put it to work on your case. We understand how upsetting the situation is for you and your family, and we can help you file your claim, and handle all legal aspects of your case so that you can focus on recovering from this traumatic event.

Contact a car accident attorney today to find out more information about your case and to discuss what options are available to you.

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In this age of instant information, many of us expect instant communication. Business, recreation or relationship communications are often seen as urgent in the moment – even if the moment is spent behind the wheel of an automobile.

Electronic Distractions
Texting, cell phone conversation or myriad other electronic communications – including navigation and traffic information services – can distract drivers to the point of causing a fatality. And since driving is an activity that requires one’s full attention, most would agree that a driver should have both hands on the wheel and his or her eyes on the road. That precludes texting, talking on the phone or playing with the onboard navigation.

Lack of Attention
But it isn’t just electronic devices that distract drivers. Distractions can be an in-depth discussion with a passenger, trying to eat, trying to read a map, trying to take a note, applying makeup, among other distractions. It only takes a fraction of a second for a driver to cross the double yellow line or to drift into your lane while on the freeway. It only takes a blink of an eye to miss a stoplight that’s changed from green to red, or to miss the fact that the car ahead has stopped. The consequences of this type of inattention can be deadly.

In fact, distracted driving is the top cause of vehicle injury accidents in the US. Whether the vehicle operator was texting while driving, talking on the phone or another activity that take a driver’s hand from the wheel or eyes off the road – even for a split second – the outcome can prove catastrophic.

Bad Weather and Bad Decisions
And in darkness or bad weather, the danger is exacerbated. Without distraction, a good driver will pay attention to cars or objects in the vicinity, checking side and rearview mirrors, scanning the road, keeping a safe following distance in inclimate weather. It’s what we’re trained to do, and most people do it judiciously. But during bad weather or at night, when a driver needs to be extra sharp, but the reflexes have been turned off for a task that takes their eyes and minds off the roads, they often make mistakes.

Instead of looking for potential problems, they’re searching for an expression mark. Instead of following speed limits, they’re following conversation lines. Instead of analyzing the road, they’re critiquing the quality of the hamburger, looking for the catsup, applying a bit more eyeshadow. And when a driver is inattentive, we all suffer.

Get Help
At our Law Firm, we take driving seriously. We know how dangerous distracted drivers can be. If you or someone you love has been injured in an auto accident with a possible distracted or negligent driver, let us help. Give us a call for a free case evaluation. We can help you recover the costs of injuries sustained in a distracted driver accident, which can range from broken bones and internal injuries to traumatic brain injury, spinal cord injuries, and death. We represent clients throughout the area, providing personalized legal counsel for distracted drivers or other types of personal injury accidents. We’re here to help you to get your claim resolved, either through a settlement or in court. Call us anytime, 24/7.

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Any resident of Texas has the right to self-representation. So you may, if you so choose, handle everything by yourself after a car accident, from conducting your own crash investigation to finding and interviewing witnesses, to filing legal papers, to negotiating a settlement. You may be successful. You probably could change your own car’s oil, do all your own plumbing, and re-tile your own kitchen floor, too. However, you usually don’t. Not because you can’t, but because you will put more effort into it and the risk isn’t worth the reward.

Know Your Limitations
Lawyers are specialists not only in knowing the laws, but in verifying contract verbiage. In the instance of winning a case or judgment, they will check your work to make sure it’s accurate and complete. If you add or subtract a word here or there in a legal contract, the entire award can be compromised.

In other words, being a clear victim of a car crash doesn’t automatically give you an upper hand. Being intelligent doesn’t give you an understanding of the appropriate verbiage in a well-written contract. And watching The Good Wife religiously doesn’t qualify you to argue a case in front of a judge or jury. If you make a mistake it can’t be undone and the consequences of doing all this yourself may haunt you for years to come.

Think Long-Term
You must carefully consider the potential outcome of the decision to represent yourself. In most cases, you’ll be at a serious disadvantage. The driver who caused the accident will certainly have hired lawyers – all of whom are well-trained professionals who understand the complex system. They will know how to negotiate and assume that you don’t. They know you have little understanding of how things are actually done and they may throw obstacles in your way. And at some point, even if you determine you need help, you may have done enough damage to your own case that it’s no longer salvageable.

Penny-Wise and Pound-Foolish?
Anyone who represents him or herself in a court of law or in any other legal capacity is acting pro se, or ‘on one’s own behalf.’ Of course, situations exist where it may make sense to act as your own attorney – but not when you’re the victim of a bad car crash. If cash is tight, and you’re trying to conserve, this is one area where the money spent is well worth the reward.

We’re Here to Help
Better yet, most attorneys will work on a contingency basis. A contingent arrangement means that your lawyer gets a percentage of whatever money you receive after the resolution of your case. If you receive no money, your lawyer collects no fees. The size of a contingency fee is usually 30-percent of any recovery. Some cases are straightforward; others can be much more uncertain. Many firms, like our Law Firm, may actually free up cash for you prior to settlement.

Our Law Firm focuses on Texas auto-crash related litigation. One of our team of dedicated attorneys look forward to providing you with a consultation, advising you of all your rights and answering any questions that you may have. In that respect, our lawyers are available for a free consultation and specialized representation all hours of the day or night.

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Accidents that leave massive damage to property may be ones with few injuries. And accidents with little property damage may be catastrophic and mortal. There are no templates for how and why an accident does so much damage in one case and not in another. That goes the same in lawsuits as well.

Each Case is Different
All potential lawsuits must be judged on their merit. But, in an auto accident, if there was excessive speed and many cars were involved, statistically, somebody will have been injured. It could be a simple injury and it could be something far more complicated and severe. In other words, the dollar value of a given auto accident is wide and unpredictable.

Get Help
It may not be the answer you want to hear, but it’s the reality. For a more concrete answer, you’ll need more information. Fortunately, our Law Firm can tell you what to expect and how to move forward with your claim. We will give you the information you need to make the next move.

Be Protected
Perhaps the insurance company of the party responsible will offer a settlement. Again, you need more information. Is it fair? Is it going to cover future medical? Future loss of employment? Future pain? We suggest you decline any settlement offered without first getting legal representation, since once a settlement has been accepted, you give up the right to adjust it should you require more time to heal, more time away from the job or more time to deal with other consequences of the accident. In fact, many injuries don’t even manifest themselves for days, weeks, or even months afterward. It makes sense that you’d wait for all the facts before making the decision on something this important, right?

Our Promise
At our Law Firm, we understand you want quick answers, and we’ll speed your case along as quickly as possible. But until all the pieces of the puzzle are properly in place, we won’t know what to expect. If, however, you insist on a concrete answer without having a full investigation, you may be setting yourself up for failure. Consequently, an attorney who announces immediately what your claim may be worth without a full review of the case may have bad information, maybe unscrupulous or simply hasn’t done the proper homework. We won’t throw out numbers until we know enough to do so.

At our Law Firm, we understand your time is important. We know that you need treatment and a determination on how your expenses will be covered. We are aggressive yet thorough in our investigations. When we take on a case, you can be certain that we will have done our homework and will fight hard for you. Details must be listed and analyzed. Current and future economic damages must be painstakingly recorded and considered. Rehabilitation costs, medical bills, prescription drug expenses and the complete loss of income due to missing work is not just important, it’s critical in assessing the full value of your case.

At our Law Firm will pursue the maximum possible recourse for you if we take on your case. We may even be able to help you pay the bills while we look into your situation. We focus on automobile crashes and Texas road-related litigation. One of our team of dedicated attorneys look forward to providing you with a consultation, advising you of all your rights and answering any questions that you may have. In that respect, one of our Law Firm’s lawyers is available for a free consultation and specialized representation all hours of the day or night.

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Long gone are the days when a driver could crack open a beer for the ride home. The practice, which was legal just over a few decades ago, has been prohibited. Open containers of alcohol are now against the law; and the blood-alcohol limits have been restricted. Driving under the influence is no longer acceptable. But old habits sometimes die hard.

Drunk Driving Distinction
Fatal crashes involving drunk drivers occur regularly each year, with almost 200 people dying each year as a result. These accidents are preventable and tragic. Worse, they are tragic at the expense of innocent motorists.

Drunk – or drug-impaired — drivers are a hazard to the entire community. Sure, they are a danger to themselves, but it’s the victims — the construction worker coming from a hard hot day on the job, the nurse heading to work for the Graveyard Shift, the local messenger delivering a package — who get hurt. Ordinary people affected by those who don’t care who they endanger looking to have a good time.

When a motorist dies as a result of driving under the influence, the drunk driver must be held responsible. Legal action is the best recourse, with justice coming through either civil action or wrongful death claim. There’s no way to compensate a family for a loss of a loved one in an accident with a drunk driver, but it is some sort of vindication. In addition, if that loved one is, indeed, the construction worker, the nurse or the messenger, that individual’s income was important to somebody somewhere. The drunk eliminated it.

Contact a Professional
At our Law Firm, we’re prepared to fight aggressively on behalf of a family suffering a loss at the hands of a drunk driver. Damages may include property damage, damage from lost wages or loss of household, or loss of spouse. Then there is emotional loss as well as financial loss. We will review your individual case to determine the merits of litigation. If you’re short on cash after the tragedy, we may be able to help pay your bills now while we fight with insurance companies and drunk drivers’ attorneys.

Insurance companies, with their in-house lawyers, will try to contest the case. They may try to prove their client was not inebriated or wasn’t at fault. Since we focus on drunk driving accidents and car Crashes, we’re prepared to take any case with merit as far as we have to take it. We investigate aggressively and prepare for the smallest detail.

Our Law Firm focuses on car crash litigation and one of our team of dedicated attorneys looks forward to providing you with a consultation, advising you of all your rights, and answering any questions that you may have. In that respect, one of our Law Firm’s lawyers is available for a free consultation and specialized representation all hours of the day or night.

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Injury Claims for Car Accident Cases

No matter how many laws are passed to protect us while driving, there are people who continue to endanger others. They risk the lives of the innocent by drunk driving, speeding, distracted driving, and even texting while driving as well as other negligent driving conduct. Having served the area for many years, we have represented a great number of injured victims in car accident injury claims and lawsuits.

We know how difficult this time is for you and your family and are here to support you professionally by pursuing compensation on your behalf. Our legal team has over 100 years of combined experience, has been named as SuperLawyers, and is listed in Top 100 Trial Lawyers. We have attorneys who are Board Certified in Personal Injury Law by the Texas Board of Legal Specialization, which allows us to have a great depth of knowledge in the area of personal injury claims and lawsuits. We know exactly what to do to get a claim paid fairly, and have won many significant victories for our injured clients throughout our years in practice.

Our legal team files claims and lawsuits car accidents, including all the various types of car accidents including single-vehicle crashes that are the result of dangerous roads or defective auto products. We represent victims suffering from a wide variety of car accident injuries, particularly those that are very severe and will require a great deal of medical treatment and care. We have exceptional resources to draw upon to determine the causes of car accidents when it is necessary to investigate an accident and get the supporting evidence for our claim. If your injury claim involves an issue of auto product liability, how your case is addressed legally could not be more important. Not all law firms have the experience in complex injury claims against large manufacturers, distributors, or retailers that we do, nor our success rate in court.

If you or your loved one was injured by a distracted driver, whether they were engaged in any other activity while behind the wheel, including driving while texting, or just purely inattentive, they must be held accountable for all the economic and non-economic damages that were the result of their actions. These damages include all medical and hospital bills, medication, loss of income from work, both current and predicted for the future, as well as the personal repercussions such as pain and suffering, or others. We are very familiar with negotiating with reluctant insurers in car accident insurance claims and have a remarkable record of success in getting claims paid at a level that is fair.

Cases of injury from automobile safety features such as airbags, seatbelts, roof crushes, rollovers, brake failure, accelerator failure, or other safety systems on the vehicle must be addressed with great skill. Even in cases in which many people have been injured through the same failure, it can be a difficult task to present a case that is not heavily challenged by highly paid corporate attorneys. We have won time and again against even the most highly ranked law firms, so you can have confidence that we know how to fight in this arena.

We provide legal counsel to the injured or their families in injuries or wrongful death claims from a drunk driving accident. We also represent the injured in cases of hit and run, and recovering compensation for our clients is our mission and focus. We can provide the experienced representation you want on your side in work zone accidents, a teenager driving accident, or injury claims involving hydroplaning. When you need a car accident lawyer that you can trust to have you and your family, your interests, and your health as their focus, call upon our firm for immediate assistance. We see the person behind the injury case and are extremely committed to protecting you and your right to fair compensation throughout the process.

Contact a car accident lawyer from our Law Firm for assistance in filing a claim or lawsuit in any auto accident case.

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bankruptcy 4/19/2020 – gtg

No one expects to have to go through bankruptcy. People can do their best to stay on top of finances, and when one or more financial emergencies come at them, they find that they have no choice but to look into bankruptcy. If you discover that you are faced with bankruptcy, you can help yourself with the knowledge provided below.

Chapter 13
A personal bankruptcy settlement does not mean your debts are 100 percent discharged every time. Filing Chapter 13 bankruptcy permits you to reorganize your debt load and repay your creditors at least some of what they are owed. Some people are hesitant to file bankruptcy because they feel obligated to live up to the promises they have made to their creditors. When you file Chapter 13, you can still work with creditors to pay a portion of your debt without crushing under an overwhelming amount of debt.

TIP! As filing bankruptcy becomes more of a reality, don’t use your entire savings or your retirement funds to pay creditors or attempt to resolve insolvency. Don’t touch retirement accounts unless you don’t have a choice.

Try your best to keep a good credit record. Only file for personal bankruptcy if there is no other option. Lots of companies will settle for much less than the debt you owe, or at least come up with an affordable repayment solution. Avoiding bankruptcy is great for your credit score and can also be a money-saver. Also, prior to filing, looking into debt consolidation loans.

To rebuild your credit after filing for bankruptcy, try opening new credit lines. This could be challenging because of your damaged credit, but you can start with secured credit cards first. These cards often charge very high rates, but you are likely to pay a higher rate, regardless of the source of your credit. You will be better able to obtain loans and other forms of credit if you actively rebuild your credit and keep it in good standing.

Credit History
TIP! Ensure that you are providing genuine details when filing a bankruptcy petition, because honesty is the best policy when dealing with bankruptcy. You might feel tempted to not declare certain assets in your bankruptcy in order to protect them from forfeiture, but if you’re found out, the process could take longer, or worse, you might be banned from filing for bankruptcy completely.

Before you file for bankruptcy, carefully consider if it is the right option for you. Consider any other options that are available to you, such as consumer credit counseling. Since your credit history will forever note the bankruptcy, you want to make sure that you have tried everything else before you take an action such as this, in order to minimize the effect it will have with regard to your credit history.

It’s not going to be fun and it’s not going to be easy, but you can simplify the process if you’re reading the right information. The process will get easier as you learn all you can. The above article has provided a lot of this knowledge so that you’re able to deal with your finances with less stress.

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Reasons Why Personal Bankruptcy Might Be Your Best Option

You should know that you are not alone if you feel overwhelmed by debt. In a quick amount of time, you can go from being in a tiny bit of debt to a situation that suddenly spirals out of control. Unfortunately, this problem is difficult to fix, once you realize you have it. Read on to find tips, insight, and valuable information for clearing your debt and getting a firm grasp on your finances.

Do not use a credit card to pay income taxes and then file for bankruptcy. The fact is that the credit card debt will be ineligible for discharge, and your tax debt may increase. In most cases, you can use the adage that “a dischargeable tax is a dischargeable debt.” This means using a credit card is not necessary when it will just be discharged.

TIP! If you are faced with the choice of filing for bankruptcy or using your emergency fund or retirement accounts to pay creditors, opt to file for bankruptcy. Unless there is no other choice a retirement account should not be used.

Think through your decision to file for bankruptcy carefully before going ahead with it. There are plenty of other options open to you, like consumer credit counseling. Since your credit history will forever note the bankruptcy, you want to make sure that you have tried everything else before you take an action such as this, in order to minimize the effect it will have with regard to your credit history.

Make sure you keep reminding your attorney about any important details in your case. Don’t assume that they will recall every detail that you go over with them without a friendly reminder. Remember that you’re the boss. You’re paying your lawyer, so you should not be afraid to have your say. After all, the quality of your life hangs in the balance.

Do not give up. You might even be able to get back secured property that has been repossessed in the 90 days before filing. If the property you own has been repossessed under 90 days before the bankruptcy filing, you may still be able to get it back. Consult with a lawyer who can advise you on what you need to do to file a petition.

TIP! If you know people who have filed for bankruptcy, ask them who they would recommend rather than relying on Internet reviews or worse, just randomly picking someone out of the phone book. There are plenty of companies who know how to take advantage of people who seem desperate, and it’s important to be sure your bankruptcy can go smoothly; take your time and choose someone you can trust.

There are certain life events that you have no control over. When you’re ready to proceed with filing, the above tips should provide a few solid guidelines to follow. Make sure that you don’t take them for granted. Use this information to make a fresh start!

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Too Many Bills? Too Little Money? Consider Personal Bankruptcy

If you are considering filing for bankruptcy, your life probably hasn’t been so great recently, but that doesn’t mean things can’t improve once you file. You are being given the opportunity to start again with a debt-free slate. Don’t look at it as the end of the world; read this article to help you determine how your life will be enhanced by bankruptcy.

If bankruptcy is an option for you, secure the services of an attorney. With all the ins and outs of bankruptcies, it can be hard to grasp all the knowledge. Personal bankruptcy attorneys can help make sure everything is done properly.

Use your attorney’s advice in choosing the type of bankruptcy that will be the best choice for you. There are many different types of bankruptcy. Get as much information as you can about each type of bankruptcy prior to your filing. You are going to have to figure this out for yourself and make a determination on your financial situation.

TIP! If you’re unsure, then you need to learn what a Chapter 7 bankruptcy can do for you, as opposed to what Chapter 13 does. Research both types of bankruptcy online, and weigh the positives and negatives each would offer you.

During your journey towards bankruptcy, you’re likely to talk to many of your creditors. If a creditor will agree to cut a deal with you, be sure to get a confirmation in writing. Your case can be greatly affected by agreements you can come to with debtors, so be sure you obtain any records regarding these agreements.

Just because you got alternative employment just prior to filing should not make a difference to your plans. Bankruptcy could still be your best option. Choosing to file can impact you well. If you get your filing posted before you start gaining new income, your means of repayment will be evaluated without taking it into account.

TIP! Remember to only file for bankruptcy if you need to. Perhaps consolidating your existing debt can make it easier to manage.

When you file for personal bankruptcy, it does not necessarily mean that all of your debts will be discharged. For instance, Chapter 13 allows you to plan a payment plan and to pay back your debt over the next five years. Most people think paying off their debts is a moral obligation, so avoid filing bankruptcy. With Chapter 13, people can escape their debts, but can still make good on what they owe to creditors.

Take a look at all of your financial options before filing for personal bankruptcy. Credit counseling is one option you should consider. Various non-profit companies are out there to give you assistance. They will liaise with those you owe money to and try to get better payment options opened to you. You’ll make your payments to the company, and the company will pay off your creditors.

Remember that just because you have filed for personal bankruptcy it will not cause you to lose everything you own. You get to keep your personal property. In other words, your clothes, your television, your computer, your furniture, your jewelry, and other household items are safe. Your current state’s laws, deciding between Chapter 7 or 13, and your current financial position will determine just how much you get to keep.

TIP! You may have heard bankruptcy referred to differently, either as Chapter 7 or Chapter 13. Learn the differences between the two before filing.

As mentioned earlier, the events that drive anyone to declare financial bankruptcy are not a happy story. Life after bankruptcy can be normal and happy. Actually, your life can become much better by following the advice presented here and moving forward past bankruptcy.

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Tips And Hints On Filing For Personal Bankruptcy

The circumstances that culminate in a bankruptcy filing are likely unpleasant, though they do not need to define the rest of your life. With a clean slate, it is possible to start over both financially and personally. Read this article to learn how bankruptcy is a constructive, not destructive, process in reshaping your financial situation.

Know the rights that you have as you file for bankruptcy. Occasionally, debt collectors will attempt to convince you that your debt isn’t eligible for bankruptcy. There are, indeed, some debts that cannot be bankrupted. Among them are student loans, child support and alimony payments. If any debt collectors tell you that their debts can’t be bankrupted, make a report with your state attorney general.

TIP! Be certain to have a good understanding of bankruptcy regulations prior to filing a petition. There are many pitfalls you can easily fall into, such as transferring away assets to prevent them from being included in the filing.

Research your state’s bankruptcy laws before filing your petition. The code governing personal bankruptcy is a complex area that is subject to much misunderstanding. Mistakes can also have your case dismissed. Spend some time learning about personal bankruptcy. This will make things easier in the long run.

Never take big cash advances from the credit cards that you own prior to filing for bankruptcy, even though you know that the debt will be erased. This could be considered fraud, and you may even be forced in paying all of it back to credit card companies.

Exercise some caution in repaying your debts when you know a bankruptcy filing in your future. Find out from a bankruptcy attorney what a court needs to see as a cut off date for the last time you pay anyone you owe money to. Make sure you have a complete understanding of what is occurring prior to making any final decisions.

TIP! Exhaust all other options prior to filing personal bankruptcy. You might want to look into the possibility of credit counseling instead.

It is possible that a bankruptcy might actually be smarter over the long term than struggling month to month with consistently late or missing payments. Though bankruptcies can remain on your credit record for 10 years, it is possible to begin credit repair initiatives immediately. This is why people call bankruptcy a fresh start.

After filing for bankruptcy, many individuals vow they will avoid the use of credit cards and all forms of credit. This may not be such a great idea because you still need credit to help build better credit. If you do not rebuild your credit rating, you will not be able to buy a car or a home on credit again. Keep it simple with one card and take a slow approach to rebuilding.

As stated before, unhappy events may have led you to declare bankruptcy. But, that does not mean that your post-bankruptcy life cannot be fantastic. The truth is, that by using the tips in this piece, it is possible to make bankruptcy a positive experience that gives you the fresh start you need.

TIP! You need to start getting responsible with your money even before you file for bankruptcy. In other words, you do not want to waste your efforts by starting to ring up more and more debt.

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Shedding Light On The Steps For Bankruptcy

There is not much scarier than a mountain of debt. Once you realize how much in debt you are, it can make you lose your focus on everything else in life. It’s unfortunate that once out of control, debt problems are very difficult to resolve. Continue reading to learn great advice to help you understand what you need to know about bankruptcy and debt.

Learn the differences between Chapter 7 and Chapter 13 bankruptcies. In Chapter 7 most of your outstanding accounts will essentially be erased. All the things that tie you to creditors will go away. With a Chapter 13 bankruptcy, you will have to make payments for 5 years before the debts are forgiven. Look into both types of bankruptcy before deciding which one would suit your particular needs.

Bankruptcy can be a good time to spend time with people you love. The process of bankruptcy can seem brutal. It’s generally stressful, lengthy and can make people feel guilty, ashamed, and unworthy. Some folks tend to stay in the shadows until their case has concluded. However, becoming a hermit will only increase feelings of self-doubt and could make you depressed. Because of this, you need to make sure you spend as much time as you can with your family and friends, even if you are ashamed of your finances.

TIP! Do not file for bankruptcy if your income is greater than your bills. Though bankruptcy may appear to be a good way to escape your debts, it does affect your credit negatively for a fairly long time.

Do not use the word “shame”, if you go bankrupt. Going through the filing process often brings out the worst in people, causing them to feel a variety of negative emotions. Do not let these negative feelings influence your decision. Having the right outlook during a tough financial upheaval is a great attitude in coping with bankruptcy.

Facing bankruptcy is a negative situation that can bring on stress. Working with a good bankruptcy lawyer can help make the process a lot smoother and less stressful for you. Try not to pick a lawyer based on cost alone. While the person you select does not have to cost the most, they should be competent and reliable. You can get good information about attorneys from friends, the internet, and free consultations that most attorneys provide. You might be able to view a court hearing. You might be able to watch how your prospective attorney handles the case.

Don’t wait until the last minute to file bankruptcy. Do not avoid your creditors; they will not go away. It is important to decide on a course of action as soon as you begin experiencing financial problems. If you have failed to make payments for several months but have continued making purchases on credit, your petition may be denied. As soon as you realize your debts far outweigh your income, call a bankruptcy lawyer to talk about what your choices are.

TIP! Do some research about bankruptcy laws before filing for bankruptcy. For instance, you are not allowed to move assets from your name to someone else’s for a year before you file.

There are times when the events of life can be quite overwhelming and you can feel quite helpless. This article just gave you a few good pointers on what you can do in order to gain control of your finances when facing bankruptcy. Use these tips to see positive life changes.

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Techniques For Getting The Most Out Of Filing Bankruptcy

It’s normal to feel angry and frustrated when going through bankruptcy. People going through bankruptcy worry about living in debt while trying to survive. You will find there is help, and it is called bankruptcy.

One critical element for anyone filing a petition for bankruptcy is, to be honest in everything you do. Resisting the temptation to hide income or valuable assets from the bankruptcy trustee is a smart way to avoid potential complications, penalties, and the possibility of being barred from re-filing in the future.

Prior to putting in the bankruptcy paperwork, determine what assets are protected from seizure. The Bankruptcy Code provides a listing of the various asset types that are not included in the bankruptcy process. Make sure to review the list before filing a claim so you know if your valuables will be subject to seizure. If you fail to do so, things could get ugly.

TIP! You can find a wealth of information concerning personal bankruptcy by searching for websites that offer information about it. Run a quick Internet search to find out all the different agencies you should be contacting or visiting via the web to find out what you can.

Don’t ever pay a bankruptcy attorney for a consultation, and ask a lot of questions. You can meet with a few lawyers before deciding on one. Most lawyers provide a free initial consultation. Choose to file only if your lawyer has convinced you that this is the best decision. You don’t need to decide what to do right away. Consulting with several attorneys will also help you find someone you trust.

Find out more about Chapter 13. If you are receiving money on a regular basis and your unsecured debt is under $250,000, you may be able to file Chapter 13 bankruptcy. This will allow you to keep your personal property and real estate and repay your debts via a debt consolidation plan. Expect to make payments for up to 5 years before your unsecured debts are discharged. Keep in mind that missed payments will trigger the dismissal of your case.

TIP! Before you file for bankruptcy, carefully consider if it is the right option for you. You have better options.

If your earnings are higher than your expenses then filing for bankruptcy is a waste of time and money. Although bankruptcy may feel like a simple method of getting out of your large debt, it leaves a permanent mark on your credit history for up to 10 years.

Look into all of your options before you choose to file for bankruptcy. Find out if you can receive a reduced interest rate or altered repayment plan instead of the bankruptcy filing. If you are about to lose your house, talk to your lender about a loan modification. These plans allow you a longer pay off period by extending the term of the loan, reducing the rate of interest, or forgiving late fees. When all is said and done, the creditors want their money, so sometimes it’s best to deal with a repayment plan than with a bankruptcy debtor.

This article has, hopefully, taught you that bankruptcy does not mean life is over. While filing for bankruptcy is initially an emotional downer, things will improve. Put the information you have found in this article to use so that you can have a very successful bankruptcy.

TIP! Use a personally recommended bankruptcy attorney instead of one found through the Internet or phone books. Don’t be taken in by some fly-by-night company that exists only to profit from the suffering of others.

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Tips And Hints On Filing For Personal Bankruptcy

The circumstances that culminate in a bankruptcy filing are likely unpleasant, though they do not need to define the rest of your life. With a clean slate, it is possible to start over both financially and personally. Read this article to learn how bankruptcy is a constructive, not destructive, process in reshaping your financial situation.

Know the rights that you have as you file for bankruptcy. Occasionally, debt collectors will attempt to convince you that your debt isn’t eligible for bankruptcy. There are, indeed, some debts that cannot be bankrupted. Among them are student loans, child support, and alimony payments. If any debt collectors tell you that their debts can’t be bankrupted, make a report with your state attorney general.

TIP! Be certain to have a good understanding of bankruptcy regulations prior to filing a petition. There are many pitfalls you can easily fall into, such as transferring away assets to prevent them from being included in the filing.

Research your state’s bankruptcy laws before filing your petition. The code governing personal bankruptcy is a complex area that is subject to much misunderstanding. Mistakes can also have your case dismissed. Spend some time learning about personal bankruptcy. This will make things easier in the long run.

Never take big cash advances from the credit cards that you own prior to filing for bankruptcy, even though you know that the debt will be erased. This could be considered fraud, and you may even be forced in paying all of it back to credit card companies.

Exercise some caution in repaying your debts when you know a bankruptcy filing in your future. Find out from a bankruptcy attorney what a court needs to see as a cut off date for the last time you pay anyone you owe money to. Make sure you have a complete understanding of what is occurring prior to making any final decisions.

TIP! Exhaust all other options prior to filing personal bankruptcy. You might want to look into the possibility of credit counseling instead.

It is possible that a bankruptcy might actually be smarter over the long term than struggling month to month with consistently late or missing payments. Though bankruptcies can remain on your credit record for 10 years, it is possible to begin credit repair initiatives immediately. This is why people call bankruptcy a fresh start.

After filing for bankruptcy, many individuals vow they will avoid the use of credit cards and all forms of credit. This may not be such a great idea because you still need credit to help build better credit. If you do not rebuild your credit rating, you will not be able to buy a car or a home on credit again. Keep it simple with one card and take a slow approach to rebuilding.

As stated before, unhappy events may have led you to declare bankruptcy. But, that does not mean that your post-bankruptcy life cannot be fantastic. The truth is, that by using the tips in this piece, it is possible to make bankruptcy a positive experience that gives you the fresh start you need.

TIP! You need to start getting responsible with your money even before you file for bankruptcy. In other words, you do not want to waste your efforts here by starting to ring up more and more debt.

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What You Need To Know About Personal Bankruptcy Now

If your financial situation is really bad and you’re looking at bankruptcy, then stop worrying. There are many effective ways to help yourself get back on your feet financially so you do not have to file for bankruptcy. Continue on for some excellent tips that will help you avoid filing for bankruptcy.

Don’t feel embarrassed because you are seeking bankruptcy. It is common for people to feel as if filing for bankruptcy is a symbol of failure. This can cause depression. It is best to view bankruptcy as a new beginning to your financial life, rather than a failure.

Don’t file for bankruptcy on a whim; do your due diligence first. Check your state’s bankruptcy laws to find out what types of property you may be able to retain and what types of debt can be included in your bankruptcy petition. Some debts like non-essential items you charged on your credit card within the past 90 days before declaring bankruptcy cannot be discharged. Make certain to review your state-specific laws.

TIP! Look for a local bankruptcy lawyer who has an excellent reputation. Ask if you can get a free consultation to find out if bankruptcy is the best option.

Some consumers filing for personal bankruptcy think they will struggle to get financing afterward. While there is some truth to this, your previous credit score may have been much worse. Make your payments on time and always pay a little more than the minimum amount to increase your credit score.

You should consider getting more money by obtaining another job. You may be able to avoid bankruptcy by negotiating with your creditors in order to find a workable plan for paying off your debt. They will often work with you so you do not have to file.

TIP! If you’re tired of receiving calls from creditors, you may want to think about filing for bankruptcy. The stress of excessive debt can be too much to bear.

When you are on the road to filing for bankruptcy, you are likely to have more than a few conversations with your creditors. For any agreements you make with them, always get written confirmation. If creditors exhibit flexibility in dealing with you, this could have a positive impact on your debt discharge. Thus, keeping records is key!

If you are planning to file for bankruptcy, never give or transfer any money or other assets to another party within 1 year of filing. This is a blatant attempt to hide assets and may result in your filing from being dismissed. Depending on the type of asset, it might be safe from the creditors. In any case, hiding your assets is a bad idea, and if you have made recent transfers, your filing will need to wait.

Resist turning to credit card use when you are facing bankruptcy. The temptation may be there to run up some purchases, but the courts do not look kindly upon this. While it may difficult, it is important to bring your spending under control. Now is the perfect time to work on developing excellent financial habits.

TIP! Filing bankruptcy doesn’t mean that you won’t have any more bills to pay at all, so make sure that you’re always keeping up with the payments. Making the minimum payments will lower your credit score and paying your debts back will take a very long time.

Planning can make a big difference. If it’s possible to get some more time to pay your bills, take it. Doing so can help you avoid bankruptcy. So get to it and devise a plan so that you do not have to file for bankruptcy.

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When You Need To File For Personal Bankruptcy

Bankruptcy filings bring both worry and relief, simultaneously. On one hand, having people go through all of your personal financial information can be formidable. The positive is that once the process has been completed, you will be debt-free and free of harassment from creditors. If you would like to make filing for personal bankruptcy much easier, simply follow the steps we present here.

When you are on the road to filing for bankruptcy, you are likely to have more than a few conversations with your creditors. Some creditors are willing to accept a percentage of the total owed, or to suspend interest and penalty fees. Make sure that you get written documentation of any offer they make. Ask for written agreements whenever you and your creditor come to an understanding.

Be sure to weigh all of your options before deciding to file for personal bankruptcy. For instance, a consumer credit counseling program may be a better bet if your debts are relatively small. It is sometimes possible to negotiate smaller payments by yourself. If you do this, make sure you save a written record of debt modifications that are negotiated.

TIP! Learn what you can about Chapter 13 bankruptcies. If your total debt is under $250,000 and you have consistent income, Chapter 13 will be available to you.

One of the best ways to learn more about the bankruptcy process is to hit the Internet and look up reputable bankruptcy websites. The United States Department of Justice, American Bankruptcy Institute, along with many other websites can provide you with the information you need. The more knowledgeable you are, the more you can be sure that you are making the right decision and that you are taking the right steps to ensure your personal bankruptcy goes as smoothly as possible.

If you are moving forward with a Chapter 7 bankruptcy, you need to learn how that can negatively affect anyone who shares loans with you. Debts that you shared with another will not be your responsibility any longer if you file for personal bankruptcy under Chapter 7. Although filing for bankruptcy excludes you from financial responsibility, co-signers will still be expected to pay the loan amount in full.

TIP! When filing for bankruptcy, list all of your financial information. Omissions or errors may cause your case to take more time to resolve, or even be rejected entirely.

Do some research to find out more about Chapter 13 and Chapter 7. If Chapter 7 is what you file, your debts will get eliminated entirely. You will be removed from any contracts you have with your creditors. But, with Chapter 13, you will be in a repayment plan for about 5 years prior to any debts you have being totally dissolved. It’s important to know what differences come with every type of bankruptcy. This will let you find out what’s best for you.

Once you have filed for bankruptcy, it is crucial that you know about any new debts you may take one. Many lenders directly target those who’ve just had a bankruptcy, because they know that they can’t file again for years. Unfortunately, many times these offers have high-interest rates. They can put you right back where you started unless, you exercise very good financial discipline.

An excellent bankruptcy suggestion is to make sure you are prepared for the possibility if your bankruptcy claim is denied. If you are prepared for everything beforehand, then you will be ready for anything that comes your way, even if your car or home is taken away from you.

TIP! Bankruptcy could be a solution for you if your credit has spiraled out of control. You can alleviate the stress in your life and gain some much-needed breathing room by filing a claim.

Think about the pros and cons before filing. Never forget that being well-informed is always the key to a successful bankruptcy, no matter what your reasons for filing are. The tips in this article can help you handle bankruptcy more easily. Incorporate these tips into the process and watch how much better you feel.

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Going through bankruptcy is a stressful experience. When things are tough financially, your credit options are limited. However, do not give in to despair. There is a way to get your financial difficulties under control and this article will show you how to get started.

It’s important that you understand what bankruptcy is and how it will change your life before you attempt to file a claim. There is solid advice available from the NACBA, (Consumer Bankruptcy Attorneys’ association) the ABI, (American Bankruptcy Institute), and the United States Department of Justice. Knowing as much as possible about bankruptcy gives you an advantage and will help you make the best decision possible.

One critical element for anyone filing a petition for bankruptcy is, to be honest in everything you do. Remember that if you hide your valuable assets or income from your bankruptcy trustee, you may risk a number of penalties and complications. Among these is the possibility that you could be blocked from ever filing again.

Ask yourself if filing for bankruptcy is the right thing to do. Debt advisors are one of the many other avenues you can consider. Bankruptcy permanently affects your credit, so avoid filing until you have exhausted all of your other options.

Read This: If filing bankruptcy is in your future, don’t waste any savings you may have to attempt to pay off your debts. Don’t touch retirement accounts unless you don’t have a choice.

The best way to build your credit up after a bankruptcy is to make all your payments on time. Since it is important that you work to rebuild your credit, you should instead think about applying for a secured card. You can exhibit your desire to rebuild your credit this way. After using a secured card for a certain amount of time, you might be offered an unsecured card once again.

No good will come of trying to conceal your assets or your liabilities in the bankruptcy process; you want to be scrupulously honest when you declare bankruptcy. Wherever you file, that court has to be made aware of all details regarding your finances, positive and negative. Don’t withhold information, and create a smart way of coping with the reality of the situation.

Always be honest with the information you give about your finances. To avoid problems, penalties, and future re-filing bans, resist the urge to hide documentation or assets.

Read This: Once the bankruptcy is complete, you may find it difficult to receive unsecured credit. If you find that to be the situation, consider requesting secured cards.

Take the time to find a simpler solution to your financial issues, before filing for bankruptcy. If your debts are really not overwhelming, you may find the assistance you need by consulting a consumer credit counselor. You can also talk to creditors and ask them to lower payments, but be sure to get any debt agreements in writing.

There are two types of bankruptcy filing, Chapter 7 and Chapter 13 so make sure you know the differences. If you file for Chapter 7 bankruptcy, all of your debts will be eliminated. The ties with the creditor will be broken. Filing Chapter 13 differs by requiring you to agree to a 60-month plan to repay your debts before they are totally eliminated. You need to be aware of the pros and cons of each type of bankruptcy so you can correctly select the best choice for your situation.

Even when filing for bankruptcy you should now be aware that this should not put a damper on your life. If you don’t spend frivolously and repay lenders faithfully, lenders will be more willing to lend to you in the future. Save as much as you can and you will see the difference when you walk in for a new loan for a car or a home.

Find a bankruptcy attorney who offers free consultations, and ask lots of questions. Most lawyers offer free consultations, so consult with a few before settling on one. You should make a final decision only once all of the questions or concerns are sufficiently attended to. Take your time choosing the right attorney to assist in your bankruptcy. So, this gives you plenty of time to consult with several attorneys.

Read This: It is a good idea for you to hire an attorney to handle your bankruptcy process. With all the ins and outs of bankruptcies, it can be hard to grasp all the knowledge.

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Understanding What A Personal Bankruptcy Means For You

Many negative emotions are related to filing bankruptcy. People sometimes assume incorrectly that they are up against a wall, and there’s no way out. You will find there is help, and it is called bankruptcy.

When it soaks in that filing for personal bankruptcy, don’t use all of your retirement funds, or all of your savings to resolve insolvency or pay creditors. Retirement accounts should never be accessed unless all other options have been exhausted. You may have withdraw from your savings every now and then, but try to leave yourself some financial security for the future.

Ensure that you are providing genuine details when filing a bankruptcy petition, because honesty is the best policy when dealing with bankruptcy. You can lose the right to file bankruptcy now or in the future if you try to withhold information about your assets and income. So it is critical that you disclose everything honestly to avoid that and any other penalties the trustee might impose if he discovered your attempt to hide information from the court.

Filing for bankruptcy is something many people are forced to do when their debts become too much of a burden, and they can no longer afford to pay them. When you are faced with this issue, begin to familiarize yourself with your state’s laws. Different states use different laws when it comes to bankruptcy. Some states protect your home, and others do not. Before filing for personal bankruptcy, be certain that you are familiar with the laws.

Read This: Do not use a credit card to manage your tax issues and then try to file bankruptcy. In many areas of the country, this debt will not be dischargeable, and you could be left owing a significant amount to the IRS.

Be sure to bring anything up repeatedly if you are unsure if your lawyer is focusing on it. Inaccurate or incomplete information can lead to your petition being denied. It’s your financial future that is in his hands; don’t hesitate to speak up.

There are many different aspects to filing bankruptcy, and you may not understand everything there is to know. An attorney specializing in personal bankruptcies can assist and make certain things are being handled correctly.

Do not hesitate to remind your lawyer of any details regarding your case. Don’t just assume that the attorney will remember it automatically. Do not hesitate to speak up; this is your hearing and your future is on the line.

Read This: After you have declared bankruptcy, you may have a hard time being approved for unsecured credit. If that’s the case, it is beneficial to apply for one or even two secured cards.

Be certain that you can differentiate between Chapter 7 and Chapter 13 bankruptcy. In Chapter 7 bankruptcy, your debts are all eliminated. You will be removed from any contracts you have with your creditors. A Chapter 13 filing involves a repayment plan, though. Typically, you will make a partial payment against your debts over the next 60 months before the balance of the debts is lifted. You must know about the different bankruptcy types, and how each can affect you.

Talk to a lot of different bankruptcy lawyers; most of them will give you a free consultation. Make sure you meet with a licensed attorney rather than a paralegal or assistant, because it is illegal for these people to give legal advice. Interviewing multiple attorneys is a good way to find the best fit.

Ensure that bankruptcy is your best choice. You may find consolidating your debt may be simpler. Bankruptcy is not a simple, breezy course of action that should be taken lightly. You will have trouble getting credit down the line. Because of this, you need to think of bankruptcy as a nuclear option; that is, a last resort.

Bankruptcy is tricky and hiring a good lawyer will be a must. Bankruptcy is a complex process, and you probably don’t know all the information that is required to navigate it. An attorney will make sure that everything is being done correctly.

Read This: Make sure you know how to differentiate between Chapter 13 and Chapter 7. Weigh all the information you can find on- and off-line to make an educated decision.

Don’t forget to enjoy yourself during your bankruptcy. Filing for personal bankruptcy can be very stressful for the debtor. That stress can cause depression, if you don’t take care to avoid it. You are getting a fresh start, and things will get better.

You now have some great advice, thanks to the information shared here. You should now understand that you have options when it comes to bankruptcy. Going through bankruptcy will be hard at first, but it can also be worth it. With the advice in this article, you can ascertain the best way to escape your debt.

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Drowning in debt can be overwhelming. Sometimes, it just snowballs from having a little bit of a financial issue to losing complete control in a short amount of time. The problem now is that it becomes much tougher to fix. Read on to find tips, insight, and valuable information for clearing your debt and getting a firm grasp on your finances.

You may still have trouble receiving any unsecured credit after a bankruptcy. If this happens to you, think about applying for a couple of secured credit cards. That will show lenders that you are committed to rebuilding your credit. After some time passes they may be willing to offer you unsecured credit.

Although you can find many bankruptcy attorneys listed in your local Yellow Pages or online, it’s best if you can find one through the personal recommendation of a friend, family member, or acquaintance. Some companies just want to take advantage of you, so it is important that you have help from someone you trust.

You should avoid paying your taxes with credit cards and then immediately file for bankruptcy. Most states do not look at this debt as chargeable, and you could end up owing money to the IRS. Transferring the debt to another medium (e.g. a credit card) won’t magically make a tax debt dischargeable, either. So it does not help you to put the tax bill on your charge card if you know the debt will be discharged anyway.

Read This: It should go without saying, but refrain from lying in your bankruptcy filings. Do not hide any income or assets or go on a spending spree before filing for bankruptcy: the court will find out and will not have a positive opinion of you.

If you are planning to file for bankruptcy, be sure to learn what types of assets you will be able to keep and which can be seized. The federal statutes covering bankruptcy can tell you exactly which assets are exempt from forfeiture to pay off creditors. Make sure that you review this list before you decide to file, to see if you can hang on to your most important possessions. It is important to know what types of possessions may be taken away before they actually are seized.

Do not attempt to conceal any assets when filing for bankruptcy because you may be penalized when they are discovered. It is important that you are completely transparent, showing everything financial that needs to be known. Don’t withhold information, and create a smart way of coping with the reality of the situation.

Before you file for personal bankruptcy, be sure that you are cognizant of all current laws. Bankruptcy law has changed substantially in recent years, and therefore you must understand how such changes may affect your situation. Keep up with your current state’s laws and regulations to figure out what steps you should take.

After you have declared bankruptcy, you may have a hard time being approved for unsecured credit. If this is so, apply for a secured card or two. By doing this, you will be letting people know that you want to fix your credit score. After using a secured card for a certain amount of time, you might be offered an unsecured card once again.

Read This: Do not give up hope. You can often have property returned to you.

Before filing a bankruptcy claim, make sure that your home is well protected. Filing for bankruptcy doesn’t automatically involve losing your home. It may be possible to keep your home if the value has depreciated, or there is a second mortgage. Check to see if you pass the requirements necessary to file for a homestead exemption.

It is important to understand clearly the benefits of a Chapter 7 or 13 bankruptcy. Learn the benefits and drawbacks of each type before deciding which is right for you. Do not hesitate to have your lawyer explain any details that seem difficult to grasp. This will help ensure you make the right choice when filing.

It’s a good idea to meet with a number of bankruptcy lawyers before settling upon one. The majority of them offer free initial consultations. Always ensure that the person you meet with is a real lawyer, not a legal assistant or paralegal. These people can’t give legal advice. By shopping lawyers, you will be more likely to find one that makes you comfortable about the process.

Read This: Protect your house. Filing bankruptcy does not necessarily mean that you will lose your house.

Do not file for bankruptcy if your income is greater than your bills. Remember that the record of your personal bankruptcy filing will be discernible on the report of your credit for as many as 10 years. For this reason, bankruptcy filing should not be taken lightly.

After you have filed for bankruptcy, enjoy your life. After filing, many people find themselves stressing over their situation and how to fix it. That stress could lead to complete depression, if you do not take the necessary steps to fight it. Life will get better after you finally get this situation over with.

If your vehicle is in question, perhaps your attorney can assist in lowering your payments. It is possible to get your car payment lowered if you file using Chapter 7. You need to have bought your car 910 days before you file, have a loan with high interest and you’re also going to need a good work history.

Don’t automatically assume that bankruptcy is your only option. You might be able to address your debts by arranging a repayment plan or a reduction in your interest rates. Get professional advice on these matters from a bankruptcy lawyer. Loan modification plans on home loans are a great example of this. Your particular loan holders can provide a lot of assistance if you’re just willing to speak with them. You can negotiate lower rates, longer terms, and other means of repayment that may keep you from having to file a claim. Most creditors will be willing to work out an option to avoid not getting paid at all.

Read This: Filing for Chapter 13 bankruptcy will not prevent auto loans or mortgages from being obtained. There will, however, be obstacles.

Car loans or mortgage loans are still a possibility when you have filed for Chapter 13. It is just tougher. You will have to see your trustee and the approval for this new loan. You need to develop a budget and show that you will be able to afford the new payment. The odds are also good that you will be asked exactly why you’re purchasing a new item. Make sure you have a good reason.

Sometimes, life can throw you a curveball that you were not expecting. The article above has some powerful suggestions to get things back in control and manage the issues you face when filing for bankruptcy. You may well find that you can seriously improve your situation by following this article’s suggestions.

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The Pros And Cons Of Considering Personal Bankruptcy

It’s never great when someone needs to file bankruptcy. Bankruptcy can be ugly, embarrassing and a tough thing to talk about. Don’t give into it and be sure to use this advice to figure out what you need to know to avoid bankruptcy.

Don’t use a credit card to pay off your taxes before filing for bankruptcy. Most places will not consider the debt dischargeable, meaning you will have to pay the IRS a lot of money. If the tax can be discharged, so can the debt. Just because your credit card could be discharged in bankruptcy does not mean you should use it.

Always remind your lawyer of specifics that are important to your case. Don’t assume that he will remember something you told him weeks ago. Your case and future are affected by the attorney’s action, so never be afraid to communicate.

Don’t be afraid to remind your lawyer about important aspects of your case. It is wrong to assume that your lawyer will remember every word you ever utter! Don’t fear speaking up since it affects your case and future.

Read This: If a personal recommendation comes your way, this should be a lawyer you focus on. To handle your bankruptcy, you need a trusted attorney, not a shady one that is out to take your money.

When filing for bankruptcy it is crucial that you are candid and not concealing any liabilities or assets, as it will only show up in the future. Whomever you use to file with must know everything there is to know about your finances, both good and bad. Never hide anything, and make sure you come up with a well-devised plan for dealing with bankruptcy.

Never pay for a consult with a bankruptcy lawyer, and ask plenty of questions. Most lawyers offer free consultations, so consult with a few before settling on one. Do not make any final decisions until every question you have has been answered. You don’t have to make your decision right after this consultation. So, this gives you plenty of time to consult with several attorneys.

Find a specialized lawyer if you are thinking about filing for bankruptcy. Personal bankruptcies are detailed and complex processes, and you may miss something that costs you money. A bankruptcy attorney can advise you on how to proceed properly.

Don’t ever pay a bankruptcy attorney for a consultation, and ask a lot of questions. Most attorneys offer a free consultation which you should take advantage of. Meet with a few before finalizing your plans. Make your decision after all of your questions have been answered. You don’t need to decide what to do right away. You can take as much time as you need to meet with different lawyers.

Read This: When a bankruptcy is imminent, retain a lawyer immediately. There are many different aspects to filing bankruptcy, and you may not understand everything there is to know.

Learn all the latest laws before you file bankruptcy. It can be tough to keep up with them on your own, and because they change often, a bankruptcy attorney can help you keep track for the sake of your filing process. To know what these changes are, go to your state’s website or contact the legislative offices.

Be sure you know how Chapter 7 and Chapter 13 differ. Under Chapter 7 type bankruptcy, all debts are forgiven. This includes creditors and your relationship with them will become no longer existent. If you file using Chapter 13 bankruptcy, you will go through a sixty-month repayment plan prior to all your debts being completely dissolved. It is vital that you know the differences between these types of bankruptcies, in order to find the option that’s best for you.

Consider other alternatives before filing for bankruptcy. For example, you may want to consider a credit counseling plan if you have small debts. It is also possible to do your own debt negotiations; however, be sure to get everything in writing.

Read This: Know the differences between Chapter 7 and Chapter 13 bankruptcy. Should you choose Chapter 7, your total debt load will be erased.

Protect your home. Filing for bankruptcy does not mean you have to lose your home. It is entirely possible that you will be able to keep your home. This is dependent upon your home’s value and whether or not you have taken a second mortgage. Another option is the homestead exemption that has certain income and financial requirements, but may also allow you to keep your home.

Determine if bankruptcy is necessary. It might be possible to consolidate some of your debt instead. Declaring bankruptcy is a very involved process that can cause a good deal of anxiety. It will also harm your ability to secure credit in the years to come. So, consider bankruptcy only as a last resort when you have no other choice.

It does not take much experience with bankruptcy to understand that the entire process can be extremely stressful. To have a reliable and trustworthy guide through the process, find a highly qualified attorney. Do not solely use cost to determine whom to hire. There is no need to use an expensive attorney. The important thing that you must do is get a good attorney. Do not choose an attorney until you have interviewed them, checked with the better business bureau, and checked their standing with the bar association. You might want to visit a court hearing and observe lawyers handling their cases.

Take advantage of the opportunity to consult with a number of bankruptcy lawyers who offer the first visit at no charge. Meet with the actual lawyer, not a paralegal or assistant, as they’re not allowed to give out legal advice. Hiring a lawyer could help you become comfortable with the legal things that you will encounter.

Read This: It is important to protect your home when filing bankruptcy. You do not have to lose your home in the process of bankruptcy.

There is no need to rush to file for bankruptcy. The advice you have read here will show you how you can escape the need to file for bankruptcy. Start using what you learned today and see how much of a change you can make in your life, so that you do not have to harm your credit history.

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Things You Need To Know Before You File Personal Bankruptcy

Bankruptcy is an experience nobody ever expects to happen to them. It is important to know what steps to take when your circumstances change and there’s nothing you can do about it. If that happens to you, you can use the information laid out in this article.

Learn as much as you can about bankruptcy by going to informational websites. Check out the Bankruptcy Institute site and do some research about consumer’s rights. The more knowledge you have, the more you are able to make the right decisions and find a new future.

Never lie about anything in your bankruptcy petition. Do not hide any income or assets or go on a spending spree before filing for bankruptcy: the court will find out and will not have a positive opinion of you.

Most people end up filing for personal bankruptcy because they owe more than they make. If this is happening to you, then learn about the laws where you live. Most states differ in their laws governing bankruptcy. Some states protect your home, and others do not. Do not file before learning about the bankruptcy laws in your state.

Read This: It is important that you increase your knowledge of personal bankruptcy by reviewing websites that provide reliable information. The United States DOJ, the NACBA, and the ABI all have useful information.

Do not be afraid to remind your attorney of important specifics of your case. Don’t just assume they already know and that they have these important details committed to memory or written down. Your case and future are affected by the attorney’s action, so never be afraid to communicate.

Secured Card
After filing for bankruptcy, you could have trouble acquiring unsecured credit. In this event, you should attempt to apply for a secured card or two. Using a secured card not only helps to rebuild your credit, but it also keeps you from going more in debt with credit card bills. It will take time, but when creditors see a pattern that satisfies their need to see your good faith with payments, you will then be able to apply for unsecured cards.

If you are considering using credit cards to pay your taxes and then file for bankruptcy, you may want to rethink that. In many areas of the country, this debt will not be dischargeable, and you could be left owing a significant amount to the IRS. If the tax can be discharged, so can the debt. Therefore, you should not pull your credit card out for purchases if it is just going to be discharged during the bankruptcy.

Read This: It can be difficult to obtain unsecured credit once you have filed for bankruptcy. If you find that to be the situation, consider requesting secured cards.

Before filing for bankruptcy, determine whether Chapter 13 or Chapter 7 is appropriate for your financial situation. Chapter 7 is the best option to erase your debts for good. Your responsibilities to your creditors will be satisfied. With a Chapter 13 bankruptcy, you will have to make payments for 5 years before the debts are forgiven. It is vital that you know the differences between these types of bankruptcies, in order to find the option that’s best for you.

Take advantage of free consultations with lawyers and the ability to sift through and find the right one. Ensure that you have a meeting with a real lawyer instead of an assistant, since they can provide the best advice. Seeking out different attorneys is all part of the process until you find someone that you can trust.

Chapter 13
You need to educate yourself on the differences between Chapter 7 and Chapter 13. Chapter 7 eliminates all debts. You will be removed from any contracts you have with your creditors. In Chapter 13, though, you’ll be put on a payment plan for up to 60 months before being free of your debts. It’s imperative that you know the differences among the various categories of bankruptcy so that you are able to choose the wisest one for you.

Read This: Become knowledgeable in regards to details about chapter seven bankruptcy vs. chapter 13 bankruptcy.

Consider filing using chapter 13 bankruptcy. If you have regular income and under $250K in unsecured debt, a Chapter 13 may be right for you. When you file for Chapter 13, you can use the debt consolidation plan to repay your debts, while retaining your real estate and your personal property. The length of the plan is generally up to five years, and when this is over, you will be free of unsecured debt. Consider that if you even miss one payment, your case will not be considered by the court.

Keep in mind that filing for Chapter 7 bankruptcy may affect other people than just you, including family members, and in some cases, business associates. When you file under Chapter 7, you will no longer be legally responsible for any debts that were signed by yourself and a co-debtor. Creditors, however, will hold the co-signer liable for the entire balance of the debt.

There is a great amount of emotional and mental stress associated with filing for bankruptcy. To relieve yourself of some stress and keep thing organized, hire a good lawyer. Don’t make your choice to retain a particular lawyer simply because they are the cheapest. The cheapest attorney may not be the best, but the most expensive may not be the best either. Ask people who have used a bankruptcy lawyer for referrals, look them up at your local Better Business Bureau, then schedule free consultations in order to interview them. Often, watching a bankruptcy proceeding can give you clues to the quality of a lawyer.

Investigate your other alternatives before you decide you have to go with bankruptcy. You may well be able to regain control over your debts by consolidating them. Bankruptcy is a long process that can be stressful. Your future credit will be affected by these actions. Therefore, before you file for bankruptcy you need to consider all of your alternatives.

Read This: If keeping your vehicle is of great concern, ask your lawyer if you can secure a payment modification. Chapter seven bankruptcy often provides for the lowering of payments.

If you decide you need to file bankruptcy, it is important that you have helpful advice. Your process will be much simpler if you have a large knowledge base. The above article has provided a lot of this knowledge so that you’re able to deal with your finances with less stress.

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Bankruptcy Attorney | See when and why you should consult a bankruptcy attorney

When you decide to file for personal bankruptcy, it is a very serious decision that should not be entered into lightly. Read the ideas and advice in the following paragraphs so that you are aware of what to fully expect and should think of prior to making such a crucial decision. Find out all the information you can before filing for bankruptcy.

If you are in a position where you are unable to pay your debts, bankruptcy may be the only option for you. If you are in this position, you need to be familiar with the laws in your area. When it comes to bankruptcy, states have varying laws. Your home is safe in some states, but in others it’s not. Do not file before learning about the bankruptcy laws in your state.

Read This: Instead of jumping into a bankruptcy filing, be sure your situation requires it. There are plenty of other options open to you, like consumer credit counseling.

You should avoid paying your taxes with credit cards and then immediately file for bankruptcy. Generally speaking, taxes are not a dischargeable debt. The delays caused by this sort of tactic could leave you owing the IRS a great deal in interest and penalties. Keep in mind that if the tax debt is eligible to be discharged, then the credit card debt is also dischargeable. It is pointless to use credit cards if they can be discharged.

Familiarize yourself with the bankruptcy code before you file. Bankruptcy law evolves constantly, and it’s important to stay up-to-date to ensure that you file properly. To stay up-to-date on these laws, check out your state’s government website.

Be sure that bankruptcy really is your best option. You might be better off consolidating your debt or availing yourself of some other remedy. The bankruptcy process takes forever to finish and is very nerve-wracking. Your future credit will be affected by these actions. This is why you must make sure bankruptcy is your last resort.

Don’t feel bad if you need to remind your attorney about any specifics of your case. You cannot expect your lawyer to remember every important detail without a reminder from you. Speak up. This is your life, and your future depends on it.

Read This: Ask those you know if they have an attorney to recommend, instead of finding one on the Internet or in the phone book. There are plenty of companies who know how to take advantage of people who seem desperate, and it’s important to be sure your bankruptcy can go smoothly; take your time and choose someone you can trust.

When your income surpasses your bills, you should not be filing bankruptcy. Though bankruptcy may appear to be a good way to escape your debts, it does affect your credit negatively for a fairly long time.

Make sure you are acting at the appropriate time. Timing is critical, particularly when it comes to filing for bankruptcy. Sometimes it is the best option to file quickly, whereas in other situations filing should be put off until the worst has already passed. Speak with an attorney who specializes in bankruptcy to figure when is the best time to file, according to your situation.

Look at bankruptcy as a chance to mature and take responsibility for your personal finances. This process is less than glamorous, and it makes most people lose their self-esteem. These are useless emotions, however, and can be harmful to your mental state. Staying positive and upbeat is the proper way to deal with bankruptcy.

Determine which of assets are safe from seizure and which are not before filing for personal bankruptcy. The Bankruptcy Code provides a listing of the various asset types that are not included in the bankruptcy process. You need to read the exemptions for your state, so you know what property you can protect. If you do not read this list, you could be in for some nasty surprises in the future, if some of your most prized possessions are seized.

Read This: Keep at it! Filing for bankruptcy may allow you to get back property, such as an auto, jewelry, or electronics, that you may have had repossessed. If the property you own has been repossessed under 90 days before the bankruptcy filing, you may still be able to get it back.

If you intend to file bankruptcy soon, you may want to discontinue paying all debts. There are many laws when it comes to bankruptcy, including the prohibition of paying some creditors 90 days before you file, as well as family for a whole year. Before making any final decision concerning your finances, you should be educated on the rules of bankruptcy.

Filing for bankruptcy may damage your credit less than missing debt payments. Bankruptcy can be seen on your credit history for 10 years, but you can begin repairing the damage immediately. Getting a fresh start is one benefit of bankruptcy.

Once you decide to file, it is important to act in a more financially responsible manner. Do not increase current debt or incur new debt prior to bankruptcy. Judges and bankruptcy trustees take your repayment history into account when deciding the terms of your bankruptcy. You should demonstrate through your current behavior that you are actively changing your personal financial habits.

Do some research about laws and legislation before filing. Laws are ever-evolving. You must stay current with bankruptcy laws if you want to be successful in your challenge. Your state’s website should have the information that you need.

Read This: Be aware of the fact that you may be under great stress while you deal with your bankruptcy. In order to keep things together and protect yourself from excess stress, be sure to hire a competent attorney.

As you are aware from the previous paragraphs, bankruptcy is not something that just happens. There are many things that must be taken care of, and must be done right. By applying the above ideas, you can make certain that you handle all your details with full attention.

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Bankruptcy FAQs

Will I lose all of my possessions if I file bankruptcy?
Here in Texas, you are protected by the Texas Homestead exemption (and other exemptions) which allows you to keep the equity in your house as well as $30,000 ($60,000 for a family) worth of personal possessions such as your car, tools, clothing, home furnishings, health aids (wheelchair, hearing aids, etc.) and more.

Will I be able to get a credit card with a bankruptcy on my credit report?
A percentage of our clients report that they start receiving credit card solicitations shortly after bankruptcy. Further, some report getting car loan solicitations. And a percentage are able to buy a house. Creditors like people who have their debt under control and are not at risk of filing bankruptcy.

Can I make too much to file for bankruptcy?
Chances are if you are having trouble paying your debt, the answer is you can file for bankruptcy. We have clients who make over the income limits for Chapter 7 and they qualify for Chapter 13 bankruptcy. However, it depends on your situation. Our lawyers can help you determine how the federal and texas bankruptcy laws can help you reduce or eliminate your debt.

How much are the fees?
The fees depend on the complexity of your case. And usually, the more complex the case the more likely we are able to make payment arrangements. Please know that we regularly compare our fees to other attorneys to make sure our fees are competitive. Also know that our most important job is to make sure you get absolutely the most protection the bankruptcy laws will reasonably allow so that you can get the fresh start you deserve.

If I file for bankruptcy can I still apply for a loan modification?
Yes, after filing for bankruptcy you can apply for a loan modification for your mortgage on your home. We are finding that lenders are more likely to seriously consider a loan modification when a bankruptcy has eliminated or reduced your unsecured debt such as credit cards and medical bills. Before a bankruptcy filing, lenders are discouraged when they see someone with high levels of unsecured debt. However, if you have high levels of unsecured debt, filing a bankruptcy may make your lender take your loan modification application more seriously. We can help you file a loan modification in addition to helping you file bankruptcy. You can find out if you are a good candidate for a loan modification by talking to one of our lawyers during your free consultation in our Texas offices.

Can you do a loan modification without a chapter 13 bankruptcy?
Absolutely. However, you need enough income to adequately support your unsecured debt (credit cards, medical bills, etc.) AND your mortgage payment AND your basic living expenses. Unfortunately, a lot of people have experienced a job loss, a medical problem, divorce, or other family issues that leave them with too much debt and not enough income to do a loan modification without the help of bankruptcy protection.

Debt hurts. We Can Help!

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Chapter 13 Bankruptcy Information

Imagine no more creditor phone calls, having an affordable way to pay off ALL of your debt, and being able to keep your most important possessions (home and cars). Our bankruptcy lawyers can make this happen for you with a well-structured chapter 13 bankruptcy plan.

Chapter 13 Bankruptcy Protection

Chapter 13 bankruptcy protection was designed by congress for people like you who are overloaded with debt and need a way out. Our Chapter 13 bankruptcy clients typically file for 1 of 2 reasons:

They make more than the minimum income for Chapter 7 protection
They want to keep assets not covered by the Texas Homestead exemption (such as boats and second homes)
Chapter 13 bankruptcy allows people like you to get out of debt by lowering what you owe and stopping interest from accruing on your unsecured debt. It is a federal protection that helps people like you get a fresh start.

What is Chapter 13 Bankruptcy Protection?
Chapter 13 bankruptcy is legal protection in which your attorney works with the court to arrange a 3-5 year reduced payment plan. This payment plan typically results in you paying significantly less than what you would owe. Further, bankruptcy protection stops interest from continuing to build upon your unsecured debt. Still further, it stops collection calls and any foreclosure or repossession actions by lenders.

What are the drawbacks?
Payments
Chapter 13 bankruptcy requires that you make monthly payments to the trustee who then pays each of your creditors. However, our attorneys work with the courts to establish a REALISTIC payment that you can afford and a payment that will ensure you have money for your basic living expenses. Further, we will represent you if life events (loss of job, divorce, unexpected medical bills) require a change to your plan.

Credit Report

Chapter 13 bankruptcy does go on your credit report. However, a percentage of our clients go on to buy houses and cars while in chapter 13 bankruptcy protection. Our clients are surprised to find out that a chapter 13 bankruptcy, in many instances, is the surest way to IMPROVE their credit scores. Once your debt is under control, you can start building your credit instead of seeing it continue to fall. Our attorneys will be happy to share with you what some clients have experienced.

Length of Plan
It takes 3-5 years to complete. However, at the end of the period you have no more unsecured debt (credit cards, medical bills, etc.). And you will be caught up on all mortgage and car loan payments.

Our attorneys can even lower the interest rate on some secured debt (car loans and house loans) using the protection of a chapter 13 and a loan modification (a separate legal service we provide). And once you start the plan it is an end to harassing phone calls and escalating interest or monthly payments. A Chapter 13 bankruptcy provides you the peace of mind that you are on a solid path to a better financial future.

How do you pay the attorney fees?
Most of the attorney fees are included in the 3-5 year plan so the monthly payment takes care of the majority of those fees.

Debt Hurts. We Can Help!

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