Posted In:General Knowledge Archives - Pligg

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Important Questions to Ask Your Injury Attorney

July 18, 2017 - By 

Hopefully, you will never need an injury attorney. But in the event of an accident, you’ll be glad to have a good attorney on your side.

So how can you determine a good injury attorney from one that’s just well-marketed?

It starts by asking your injury attorney questions that demonstrate their ability to win your case. Before you sign a contract, make sure you’re satisfied with how he or she answers these six questions:

6 Injury Attorney Questions You Need Answered Before You Hand Over Your Case

#1 – How much is the contingency fee?

It can prove reassuring when you won’t have to pay legal fees unless you gain something from the lawsuit. But you still need to know how much that will be. Most contingency fees range from 25%-40% of your winnings, but you should try to negotiate.

#2 – What’s your experience in similar cases?

Never assume a lawyer has handled a case like yours before, even if their career is well established. For instance, lawyers who specialize in L&I claims might have zero experience in automobile accidents.

It’s okay to ask what their success rate is and how many cases similar to yours they’ve personally experienced. Remember, you hold the upper hand when it comes to hiring, so never feel intimidated by a lawyer who isn’t willing to be open with you.

#3 – Do you have enough time to devote to my case?

This is a question that most people are too reluctant to ask, perhaps because they assume the answer is yes. Lawyers who are hungry for the business will accept your case, then sit it on it for months before filing or working to resolve it.

Put another way, you could ask how many cases they are currently working on, or when they would file your case.

#4 – How often will I hear from you regarding my case, and how?

It could take weeks before your lawyer has any real news to report on your case. But if you’re the type of person who likes to know there’s no news, make sure your lawyer is willing to communicate that.

Some lawyers will send letters in the mail without notice or won’t respond to your emails for days. It’s important you understand how they communicate (and how frequently) to make sure it fits your requirements and expectations.

#5 – Will you be the one handling my case?

Firms with multiple lawyers may have several people working on your case. Others may assign you to one specific lawyer. Either way, you should speak to whoever will represent you in court to build trust and rapport with that person.

#6 – Do you have any references I could check?

Hiring a lawyer is much like hiring for any job. You need to ask questions, talk to multiple candidates, and check references. Most likely, their law firm will have Google reviews you can read online. But you should try to reach out to real clients to gauge their honest opinions.

Wrap Up

If you don’t feel certain after interviewing a lawyer, move on to another one. It’s worth the extra time to find the right lawyer the first time.


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Credit Protection: Don’t Get Caught With Your Wallet Open

July 18, 2017 - By 

Identity theft is a crisis that can throw your entire life off balance — and it’s no longer okay to fool ourselves into thinking it won’t happen to us, or that it’s just about account protection and not credit protection.

One in every 16 adult Americans suffered some form of identity theft in 2016. A large number of those incidents were due to data breaches by companies, which released the information of over a billion consumers in 2014.

Credit Protection Fights Identity Theft

Worse still is the effect it can have on your credit, not just your bank account.

Identity thieves have gotten very good at opening multiple charge card accounts and not paying them… which leads to a reduction of your credit score that you may not even find out about until it’s too late.

This also applies to medical identity theft, tax fraud and credit fraud such as chargebacks (chargebacks.ie has a good description of this practice).

It’s best to be prepared, and here are five tips to stay that way.

Protect Your Social

Your Social Security Number is the main tool in an identity thief’s arsenal, and it’s imperative that you keep it under wraps.

if anyone asks you for your social security number, don’t be afraid to ask them why they need it. Don’t bring your any ID with your SSN number on it on the road.

Don’t keep your number out where anyone can see it… a full third of identity theft cases have been traced to someone the victim knows.

Don’t enter it online anywhere; you shouldn’t have to. Never give it to someone over the phone when another form of ID will suffice.

Destroy Everything

It sounds extreme, but mailboxes and trash cans are prime targets for identity thieves.

Get a shredder and destroy old bills and receipts as well as medical info.

Check bills religiously and scrutinize them completely. Make sure there’s not a single purchase, debit, or fee on there that you didn’t authorize.

Secure Your (e)mail(s)

Because your mailbox is a prime target, you should check it every day, especially if you’re still getting paper bills or credit card offers. Don’t mail bills from home.

You may also want to use a secure email server. Don’t respond to anyone you don’t know.

Get a Credit Report

Make sure you don’t get any nasty surprises in your credit score by getting a credit report.

Just go to Annual Credit Report or call them at 1-877-322-8228. You can get one free report a year from all three of the major credit agencies.

Beware of Scams

The big scam threats these days come through unsolicited phone calls and on social media.

You can get a free app that will block out all unwanted cell phone calls, but also be careful never to answer the phone when it’s a number you don’t know.

Beware of social media “charity” scams and also the occasional email that looks like it came from a government agency or a company you do business with.

Credit Protection Begins With Identity Protection

Now that computers are in control of all of our information, we can no longer trust companies or even the government to protect it.

It’s up to you to do the due diligence in making sure that your identity remains yours alone.

Start taking steps to protect it right away… your future credit absolutely depends on it!


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How Do Bail Bonds Work? (Find Out Before You Need It)

July 13, 2017 - By 

Many people don’t plan on going to jail, nor do they expect those closest to them to end up behind bars. However, sometimes bad things happen to good people.

And when stuff happens, people should know how to deal with it.

Especially since, just some 25 years, ago, about 9.8 million Americans were admitted to jail each year. Even if those numbers somehow haven’t increased, that’s still a lot of people.

Because anyone could up in the slammer, let’s take a closer look at how this process works. Keep reading to get the 411 on bail bonds.

Bail Agents

When someone lands in jail, he or she is often up for bail. Because most people get rich quick enough to bail themselves or their acquaintances out of jail, some people reach out to bail agents.

Bail agents work for bail agencies, and they work with people to get their loved ones out on bail. Before they get anyone out on bail, though, they must be provided with some basic information. This information includes the whereabouts of the jailed person, the person’s name and booking number, and how much the bail is.

Where the agency is located is somewhat important. If you live, for example, in Michigan, you might have to rely on Bovo Bonding whereas those who live in North Carolina might choose Amistad Bail Bonds instead. All agencies are different, so both agencies’ clients are going to get different service.

After the agent has found out how much the bail is, he or she can then determine how much it will cost to post the bond. This means that some amount of the bail will still be paid out of pocket, but the amount paid might be a drop in the bucket compared to how much bail actually is.

Bail agencies are also responsible for making sure that the defendants they’ve bailed out show up in court. If those defendants don’t make their court dates, these agencies reserve the right to hunt them down and see to it that they have their day in court.

Money-Back Guarantee?

Some people might think that they can get their money back if it turns out that the defendant was not guilty in the end. Perhaps some people also think that they’re entitled to refunds if the defendant ends up back in jail shortly after bail is posted.

Sadly, however, neither or those circumstances calls for a refund. Technically speaking, the bail agency’s job is done once the defendant gets out of jail on bond. If the defendant goes back for any reason, the agency has still done its one-time job of getting the defendant out of jail.

Needless to say, if there is some breach of contract on an agent’s end, those who put money towards the bail bond might be owed some money.

Look To Trust Businesses For Bail Bonds

Bail bonds are such an important part of the legal system. Unfortunately, some bondsmen are not as trustworthy as clients expect them to be.

Having said this, there is no reason to distrust a bond agency which has a nice reputation. There are several trusted agencies that provide low rates for those who need to get their loved ones out of jail.

So before anyone goes selling or refinancing any property he or she worked so hard to vet and maintain, how about working to find an agency which will provide professional and affordable services?