A sudden major change in one’s financial situation due probably to loss of job or the need to pay child and/or spousal support can be financially crippling, especially if you are paying a mortgage, credit card bills and others bills on top of monthly utility charges. This is a very common scenario involving thousands of American wage earners, who end up being faced with overwhelming debts.

A debt crisis is a major stress, and unless one finds an acceptable way of rising up from surmounting debts, this crisis will continually haunt the person through phone calls at home at the most inconvenient hour of the day or at the office demanding to speak with you to ask you to pay your debts, emails and text messages, and letters from collection firms warning you of the possible lawsuit you can be faced with if you do not start paying immediately.

Those are just some of the harassing tactics employed by creditors, collection firms and agents to make you pay. Scary and embarrassing, definitely! Yet, this proved effective, at least before, when many never knew that there are legal ways that will not only save them from the debts, but which will also put a stop to all forms of harassment; one of these is through Bankruptcy.

Bankruptcy is a legal declaration (either by an individual or by a business firm) of the inability to further pay debts that have worsened to an unmanageable amount. It is one of the legal means that will help individuals (and businesses) rise up from debts and regain control over their finances.

There are different chapters in the Bankruptcy law, each designed to address the specific needs and financial situation of the individual. With the help of a knowledgeable and experienced bankruptcy lawyer, one can effectively assess his/her financial situation and choose the right bankruptcy chapter that can erase some of his/her debts (dischargeable debts, such as personal loans, credit card bills and medical bills which the court may release you from) and render paying the non-dischargeable ones (like alimony, child support, student loans, court fines, and mortgage) in a more affordable scheme.

One particular bankruptcy chapter that a person may be advised to file is Chapter 7. The law firm of Ryan Ruehle explains on its website how Chapter 7 of the Bankruptcy law can immediately stop all forms of harassment and save the person from all debts to enable him/her to start a new financial life.

Chapter 7, which is a liquidation bankruptcy, is best for people who own a business or who have properties, but whose salary or income falls below this chapter’s stipulated limit. While the court may erase the person’s dischargeable debts, the liquidation of some of his/her properties would be required in order to pay the non-dischargeable loans.

After a court-appointed trustee sells the properties that the debtor is willing to give up, he will then distribute the amount earned to the creditors in payment of the debts; whatever remains from the amount will be returned to the debtor.

Before qualifying for Chapter 7 bankruptcy, however, the applicants will need to take a means test to ensure that his/her income is not above the limit prescribed by this chapter. The business owned by the debtor (if he/she runs a business) may also be required to discontinue operations (unless otherwise decided by the appointed trustee) as the company’s assets will need to be sold.

Thus, if ever you find yourself faced with a debt that has become quite impossible to manage, rather than suffering the burden of too much worry and stress, Ryan Ruehle makes the sound advice that you contact a good bankruptcy lawyer immediately for the legal solutions that will help you recover from it and regain control of your financial future.

 

Uncontrollable bleeding is the most common cause of severe injuries that drive patients that have been prescribed with the anticoagulant drug Xarelto (rivaroxaban) to file personal injury lawsuits against US distributor Janssen Ortho LLC, a division of Johnson & Johnson, and German manufacturer Bayer Corp. However, there are other side effects that occur less commonly but can nonetheless be severe and can cause harm or injury. Some of these other side effects of Xarelto that may be severe can be found on http://www.williamskherkher.com/practice-areas/defective-pharmaceuticals/xarelto/ but these are still manifestations of bleeding.

Side effects that may not necessarily be caused by bleeding include:

  • Back pain
  • Bowel or bladder dysfunction
  • Tingling sensation
  • Breathing or swallowing difficulties
  • Dizziness
  • Headaches
  • General weakness or numbness
  • Painful urination
  • Blurred vision
  • Fever
  • Halitosis

Some of these side effects may dissipate over time and would not require medical intervention. However, there is no question that these can affect quality of life even if they are not in themselves life-threatening. Consultation with the prescribing physician is recommended, who may then decide if alternative medication is necessary.

Xarelto is part of a class of anticoagulants that act on the factor Xa (10-a) of the coagulation cascade, preventing the formation of blood clots. It is approved by the Food and Drug Administration (FDA) for patients who are recovering from hip or knee replacement surgery, suffer from atrial fibirillation, or at risk for deep vein thrombosis or pulmonary embolism. Janssen is currently looking to expand approval to include three other medical conditions but FDA has so far denied the application. In light of the lawsuits being filed for Xarelto, which has no reversal agent to circumvent uncontrollable bleeding, this circumspection is perhaps not surprising. If you have suffered Xarelto side effects that have led to serious injury or harm, you may be eligible to file a lawsuit yourself. Find out more about it from an experienced dangerous drugs lawyer in your area.

Every year, close to 10 million cases of domestic violence are reported in the US, the most common victims of which are women aged between 16 and 34 years old. Domestic violence is often hard to prove, as one partner’s oversensitivity may be the only real issue. But where this crime is really committed, then the victim is not the only receiver of violent acts, but the children too, whose mentality and emotions will be affected by every violent thing that they will hear and see.

Domestic violence includes forced sexual acts, emotional abuse, physical abuse, financial abuse and psychological abuse. All these acts are actually intended to gaining control and power over the perpetrator’s partner, to whom he or she may be married or just living with.

Thus, in cases involving domestic abuse, the perpetrator is always an intimate partner, who performs actions that will terrorize, injure, threaten, intimidate, frighten and humiliate the other partner until that partner losses whatever confidence and self-worth he/she has and becomes totally submissive to the abuser’s ways.

Some of the specific types of domestic violence include:

  • Emotional Abuse - Weakens the abused partner’s self-esteem through total indifference to his/her abilities or through continuous name-calling and criticism
  • Sexual Abuse - forced sexual act or humiliating sexual treatment. Sometimes this form of abuse involves inflicting injuries to the abused partner’s private parts
  • Physical Abuse - may include slapping, hair-pulling, punching, forcing the other to use illegal drugs or alcohol, and so forth

While victims of domestic violence end up becoming withdrawn, problematic, uncertain and mostly embarrassed of his/her actions, children in homes where domestic abuses take place also become afraid, stressed, ashamed, confused and guilty due to their failure to protect and defend their abused parent. It will not be long too before these children start to develop problems in school and in their various relationships with everyone around them.

Anyone, regardless of professional standing, religion, educational attainment, race, financial status, age and nationality, can be a victim of this crime called domestic violence. Though afraid, victims will just have to conquer their fear to have their abusive partner brought to justice.

For individuals whose main source of livelihood is work, sustaining a job-related injury will definitely have a devastating effect. Besides the physical harm brought about by an injury, there are other (financially) crippling consequences that can only further a victim’s predicament, such as costly and, sometimes, prolonged medical treatment and medication, and loss of income due to days or weeks of failure to return to work.

The passing into law of the Workers' Compensation Insurance Benefit in 1908, which certain employers had to provide for their workers who get injured on the job or who developed work-related illnesses, was a really big factor in improving the over-all condition of workers. Previous to this law, injured workers were always forced to file a lawsuit against their employers for the simple purpose of getting compensation for whatever suffering the injury subjected them to.

The lawsuits, however, only destroyed the workers’ relationship with their employers; these were also usually decided in favor of employers who always used any or all of the following arguments:

  • Contributory Negligence – an argument that puts the blame (on the accident) on the injured worker himself/herself, based on the fact that it was his/her carelessness or negligence which actually caused the accident
  • The Fellow Worker Rule – A fellow worker caused the accident and so the injury must be blamed on him or her and not on the employer
  • Assumption of Risk – The job entailed danger; thus accepting it also meant accepting all possible dangers it could result to.

With workers' comp, immediate financial assistance, without the need for litigation, is provided to the injured workers. The financial benefits are intended to cover lost wages, medical treatment, rehabilitation, disability and death.

Each state, which enforces the workers' comp law, has also issued the requirements that claimants need to comply with; there is also a statutory period set within which claimants will have to file their application.

Unfortunately, some claims get denied, some applicants wait long for the decision of approval or non-approval, and so many other issues arise, which get the decision for the application either rejected or delayed.

Due to such factors, Scudder & Hedrick, PLLC, advises injured workers of the necessity of having a competent disability lawyer, who will help them through the whole process of the application, as well as advise them on the possibility of filing a claims lawsuit (but only if the conditions of such possibility are met).

Getting seriously injured because of the negligence of a healthcare professional or facility in Massachusetts may mean that all applicable medical expenses will be covered if a law suit is successful, but compensation for other damages is limited. State law places a cap of $500,000 on non-economic damages in medical malpractice, a common enough provision in many state laws. The cap is not set in stone however as there are exceptions that are built into the statute.

Non-economic damages are often much harder to quantify than economic damages which are supported by hospital bills, medical records, life-care projections, loss of income from lost days of work, and similar expenses. Non-economic damages, on the other hand, are highly subjective because the extent of the damage may vary in a case to case basis. They include pain and suffering that a patient goes through as consequence of serious injury, loss of enjoyment, and psychological problems from resulting disfigurements, scars, and disabilities.

The law allows for exceptions in special circumstances, such as when the injury results in substantial disfigurement or permanent disability that would justify an award of more than $500,000. A skilled Massachusetts medical malpractice attorney will know when an exception applies to a particular case and provide the necessary documentation to put in a just claim.

Compensation that is rarely awarded in Massachusetts is that of punitive damages. It is different from non-economic damages in that it is designed to punish the defendant rather than compensate the plaintiff. However, if a patient dies because of an act of negligence by the healthcare professional or facility, then the attorney may be justified in suing for punitive damages.

It all sounds very simple, but nothing is further from the truth. Medical malpractice cases rarely prosper without the help of competent legal representation, and even then it can take years to get to trial, let alone a resolution. For any real chance of success in getting just compensation, retaining a Massachusetts medical malpractice attorney is essential.

There was a case in a reality television show where one passenger was denied entry into the country by the border security because despite residency in the country she could not get a passport because of a DUI (driving under the influence) conviction when she was 18. This is one of the consequences of a DUI arrest and conviction, and it’s not the only one.

In the US, a DUI is usually a misdemeanor in most states unless you caused serious injury or death to another person or you are a repeat offender. A felony DUI conviction takes away a person right to vote and to operate a vehicle. Even a first-time DUI conviction, which is a misdemeanor, typically means suspension of the driver’s license for a period of time, and this will generally result in higher car insurance rates. Repeat offenders may find it difficult to get insurance at all because they are considered high risk, unless they can get a certificate of financial responsibility, also known as an SR-22, which can be very expensive.

Other consequences of being convicted of drunk driving include social ostracism. Drunk drivers are considered a menace to society, so even first-time offenders can find themselves being judged by others as irresponsible and outside the pale. Even worse, a DUI conviction can mean the loss of many future opportunities in employment, education, even housing.

When being charged with drunk driving, always consider the consequences of being convicted. The aftermath can be serious indeed without even considering the immediate consequences which include jail time and fines. Even if a dismissal is not in the offing, there is still hope for first-time offenders. A conviction can be turned into a diversion program which if completed successfully will effectively turn a conviction into a dismissal in some states. Retain a criminal defense lawyer in the area with experience in handling DUI charges to get the best possible results.

Wrongful death is defined as the death of a person caused by the intentional or negligent action of another person. A good example would be a person who is killed in a drunk driving accident. While the driver did not intend to cause death, he or she may nevertheless be found civilly liable under a wrongful death suit as well as criminally liable under a manslaughter charge.

The burden of proof for a civil suit is generally lighter than for a criminal charge; that is, the plaintiff in a civil case only has to prove that death was most likely caused by the negligent or intentional act of another, while the prosecutor in a criminal case has to prove beyond a reasonable doubt that the defendant caused the death of the victim. A defendant in a criminal case may be acquitted of a murder charge but may still be held liable in civil court.

That is not to say that proving wrongful death is easy; it is just not as hard. In the website of Morris James LLP in Delaware, it is emphasized that it is important to establish causation as soon as possible in each case. Wrongful death can come about under different agencies including but not limited to vehicular or pedestrian accidents, occupational falls, unintentional drowning, a fight, and medical error. When suing for wrongful death, the plaintiff must have the documents and testimonies that will show the “but for” of the case, as in “but for” the action (or inaction) of the defendant, death would not have resulted.

Depending on the circumstances of the case, causation may be immediately apparent or appallingly ambiguous. In either case, and anywhere in between, it would require the legal expertise of an experienced personal injury lawyer to prepare and present the case for successful negotiation of a settlement or in a civil trial.

Being involved in a car wreck does not necessarily mean you will sustain serious injury. There are many factors that come into play when it comes to the mechanics of injury in car accidents including speed, type of impact, size of the vehicles, position of the person within the vehicle, and general physical condition of the individual. There have been instances when people have walked away from a horrific car crash without a scratch, and others where a relatively minor fender bender resulted in a serious injury. In general, however, the following types of physical injuries are commonly sustained in car accidents.

Neck and head injuries

Car accidents usually involve some form of forceful deceleration (sudden stop), and the head is particularly vulnerable to what is termed acceleration-deceleration injuries, where the head is snapped forward and then back in rapid succession. This can cause the brain to get injured from impact with the inside of the skull.  At the same time, the neck can also sustain anywhere from a mild sprain to disc injury. These types of injuries can occur even with the most minor of car accidents under certain circumstances, and may not be immediately apparent as there are no outward signs of injury.

Back injuries

Many types of back injuries may occur from the impact of a car accident, ranging from a mild sprain to spine damage, depending on the amount of force exerted on the body. Back injuries may not be immediately apparent as well, but it has long-term consequences that may eventually lead to significant discomfort and pain.

Contusions and lacerations

Ironically, many car accident injuries may not be due to the impact itself, but the force of the airbag deploying inappropriately, causing a broken nose or worse. A car crash may also cause a driver to hit the steering wheel or passengers to hit the dashboard or window, resulting in mild to serious bumps, bruises and cuts. Another common injury is called seatbelt syndrome, where the restraining action of the device can cause bruises to the chest and abdomen.

If you have sustained any of these injuries serious enough to require significant medical attention, you could in for an extensive, and expensive, experience. If the car accident was caused by negligence, you may need to sue for compensation. Contact a competent personal injury lawyer in your area for more information.

Cerebral palsy is a non-progressive motor disorder, and is considered the most common condition of its kind to afflict children. It is characterized by difficulty in controlling movements and maintaining posture, the degree of disability depending on the severity of the condition. It is believed that the disorder is due to abnormal development or damage to the brain, although no one really knows for certain. Some believe that many cases are due to inadequate prenatal care; others believe it is due to birth injuries sustained during a difficult labor or medical malpractice.

There are several ways to classify cerebral palsy. This includes according to severity and area affected. As mentioned earlier, the afflicted individual’s ability to function depends on the severity of the condition. People with mild cerebral palsy may simply seem a little awkward but needs no special care, equipment, or assistance to function. Other types of cerebral palsy according to severity are:

  • Moderate – will require some special equipment such as braces to get around, and may be on lifelong medication to control movement, but is generally functional
  • Severe – very limited mobility, may require a wheelchair, and assistance in accomplishing daily activities
  • No CP – this can be confusing, but refers to cases where the condition was acquired after the brain had developed, so it is classified based on causation, such as physical trauma or postnatal infection.

Cerebral palsy may also be classified according to how the body is affected and what area. Paresis means weakened, and plegia/plegic means paralyzed, so monoparesis/monoplegia means weakness/paralysis to only one limb, while hemiplegia/hemiparesis means the arm and leg of one side is affected. Other types include:

  • Diplegia/diparesis – both legs
  • Paraplegia/paraparesis -  lower half of the body, including legs
  • Triplegia/triparesis - three limbs are affected, such as both arms and a leg
  • Double hemiplegia/double hemiparesis – all arms and legs, but one side more than the other
  • Tetraplegia/tetraparesis - all arms and legs, but three more than the fourth
  • Quadriplegia/quadriparesis - all four limbs are equally affected
  • Pentaplegia/pentaparesis - all four limbs plus neck and head paralysis

Some children would have been born without any form of palsy had they not been mishandled during delivery. While it is not always the case, there are times when cerebral palsy is the direct result of negligence by a hospital employee. In these instances, it is possible to hold the responsible party accountable with the help of a birth injury attorney.

The Bureau of Labor Statistics of the US Department of Labor reports that almost 3 million non-fatal injuries (94.8%) or illnesses (5.2%) occurred in 2012, equivalent to more than 3 out of 100 full-time workers across industries in the private sector. A majority of these injuries were in the service industries. While this actually indicates a general decline from previous years, this still represents a cost of billions in days of lost work, increased premiums, work transfers, and restrictions.

Employers have a right to ensure that the individuals they are hiring are physically and psychologically able to do the work. This makes practical sense because an employee that is always sick or gets injured costs the employer money in terms of lost productivity, employee turnover, increased workers’ comp premiums, and possible litigation. This is especially true for service industry employers, where the majority of workplace injuries take place.

Aside from protecting the employer’s profit margin, preventing workplace injuries makes sense for the employee, because even though a workplace injury entitles them to claim for workers’ compensation insurance, it is never as much as they would have gotten from working a normal day. Plus, it is not good to get injured or get sick on any day, especially if it results in disability.

Fit-to-work assessments are conducted using scientific methods for measuring an individual’s capacity to do certain tasks. According to the website of WorkSTEPS, Inc., functional pre-employment testing reduces the incidence of workplace injuries by as much as 50%.  For example, a person with a back problem will aggravate the problem as well as risk permanent health damage if hired for a job that involves heavy or frequent lifting. Pre-employment testing helps in promoting a safe work environment from the employee side as well as a way to increase productivity.