Categories: Insurance
You pay your premiums with your insurer on time, and in return, you expect that your insurance company will be there when you file a claim. After all, the point of investing in insurance is that it is there for you, even if you are at fault. However, what should you do when your insurance…
Categories: Bankruptcy
It is a common misconception that everything you owe is erased upon completion of a Chapter 7 bankruptcy. While many of your debts discharge, some debts do not go away – and failing to pay on those debts could result in further collection efforts. If you are considering Chapter 7 as your fresh start, you…
Categories: Personal Injury
As you drive through city streets, you know that pedestrians have the right of way. That is why you look out for them in neighborhoods, only pass through crosswalks when they are clear, and exercise caution. When a pedestrian is crossing an interstate highway, do they still have the right of way? Pedestrians injured in…
Categories: Bankruptcy
Bankruptcy, whether personal or business, is a procedure governed by federal (not state) laws. Because it is a federal procedure, bankruptcies run through the Federal District Courts rather than state-level courts. As a business owner, you have options when you find yourself unable to meet debt obligations. Not only can you choose to liquidate, but…
Categories: Personal Injury
Halloween is quickly approaching. While you get the costumes ready, break out the decorations, and make sure you are fully stocked up on the best candy, what steps have you taken to improve your home’s safety? Halloween is that time of the year that lets homeowners completely transform their property. While you want to be…
Categories: Bankruptcy
Chapter 12 bankruptcy is exclusively offered for family farmers and fishers. It allows these individuals to restructure their finances, save their business, and avoid court-ordered liquidation or foreclosure. Chapter 12 works similarly to Chapter 13 bankruptcy where you create a repayment plan that the courts approve – and you then follow. Part of filing your…
Categories: Insurance
When you sign up for an insurance policy such as an automobile policy, your insurer’s duties are outlined within that policy. Furthermore, your insurer has obligations that come from your state’s laws and statutory laws. Basically, as a policyholder, your insurance company is required to act in good faith when dealing with any claim or…
Categories: Bankruptcy
Chapter 11 bankruptcy is the ideal solution if you want to keep your assets but get relief from creditors. The most important aspect of filing for Chapter 11 is your reorganization plan. The court requires your reorganization plan and must approve it before you proceed with Chapter 11. In its basic form, the reorganization plan…
Categories: Insurance
Insurance companies have the right to deny an insurance claim when they have valid reasons for doing so. When they deny claims without any reasonable basis, refuse to investigate a complaint, or use tactics to unnecessarily delay a claim, they may be acting in bad faith. It is essential to know the difference between bad…
Categories: Bankruptcy
Debt consolidation loans are advertised for those who are in over their heads in debt and want to take multiple payments and combine them into one. Sometimes, they come from financial institutions, while other times they come from a consolidation agency. Regardless, the principle idea is to consolidate payments and the money spent on interest…
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