Phillips & Mitchell

Personal Injury: Legal Aspects

Filed under: Law & Legal Issues — Tags: personal injury — andy

Personal injuries might occur in any place as well as to any person. Frequently, personal injuries are the result of actions of negligence by someone else. If the cause of the personal injury is due to such a negligent act then there is a likelihood of you being eligible for punitive damages. The cause may be because of a malpractice act by a medical practitioner or a vehicle accident, in such instances you may be entitled for pecuniary compensation for settlement of such issues.

Your initial response to any personal injury which is the result of negligent act by some other individual is of vital significance. In case you are hurt, it is essential that you visit a doctor without delay, without any regard to how insignificant the injury may appear. If you were injured in an accident then it is most essential that you file a report of the same with the police also. You require police and medical reports because in absence of both or either of them, you will not be able to prove your eligibility for financial compensation.

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Credit Repair: Legal Aspects

Filed under: Law & Legal Issues — Tags: Credit Bureau, credit rating, restructuring debts — andy

You must be vastly interested in having an excellent credit rating so that you are able to obtain credit whenever you may require. If per chance you do experience problems regarding your credit worthiness, then you have the option of obtaining help from professional organizations who specialize in credit repair. Such organizations indulge in credit repair include person(s) who with the help of any instruments of inter-state business or the post perform, sell or provide their service(s) in lieu of payment or any other quid pro quo for the purpose of repairing or improving your credit standing.They also provide assistance or advice to the consumer who is having problems regarding his credit and how to go about restructuring debts owed by the consumer.

Also, the credit repairer cannot commit any act which may be construed to be illegal or may be an attempt at committing any sort of deception or fraudulent act on any consumer with regards to the offer of services in connection with repairing of credit. Nor can the credit repair organization charge in advance any service charges towards credit repair work to be done at a future time until the same work has been successfully completed. You as a consumer have the right to receive authentic reports about your credit worthiness directly from the Bureau of Credit. But you or any other person or organization acting on your behalf cannot approach the Credit Bureau with an appeal to change or cancel any authentic but negative data regarding your credit standing. Such negative but accurate information can be deleted only if it reaches 7 years old. But data regarding bankruptcy can only be removed or deleted from your credit standing after a period of ten years.

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Small Business Debt Collection Laws

Filed under: Law & Legal Issues,News — Tags: debt collection — andy

By Steve Austin

In your will eventually become important, as your debt grows and some clients do not pay. To collect small business debts legally, you must send a written notice that collections have begun, within five days of first contacting the debtor for collections. The letter must include dispute instructions.

Small Business Debt Collection Laws Forbidden Practices…

-Collect any amount beyond the actual debt, unless you really can do so legally.
-Continue collections on a debt if the debtor has disputed the debt, unless you provide the debtor with written proof.
-Continue contacting the debtor if within 30 days of first contact, the debtor disputes the debt.
-Credit a payment the debtor has made to a non-disputed debt to a debt the debtor has disputed.
-Deposit a post-dated check before the post-date.

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