Factors to Consider When Filing for Bankruptcy

There are many factors to consider when filing for bankruptcy; aside from the type of bankruptcy that you will qualify for, factors such as marriage, divorce, and children are just among that bankruptcy attorneys will have to look into and examine. For those who are single and live in shared living quarters, it is important to understand that the payment that you provided for the owner of the property you are living in is not included in your income.

Unmarried individuals are considered independent family units for bankruptcy purposes. This is an important factor, because individuals can only choose between two types of bankruptcy: Chapter 7 or Chapter 13. Chapter 7 bankruptcy will clear out almost all debts except for taxes, student loans, and debts brought in through fraud with no payments given to the creditors. On the other hand, Chapter 13 are those who have enough leftover income to provide a repayment plan for their creditors, and this repayment plan will be decided through the court-appointed bankruptcy trustee and the creditors; depending on the income of the person who filed the bankruptcy, the amount can be between a few percent to 100 percent of the debts.

For an individual to qualify for a Chapter 7 bankruptcy his income should pass the means test – this would determine whether the income is on a certain level or lower the allowed amount for this type of bankruptcy. According to the website of Bradford Law Office, PLLC, if it is over the state-assigned amount for Chapter 7 bankruptcy, the person should file and start the legal process of determining which debts are secured and unsecured. As state laws vary, it is recommended to consult with a bankruptcy attorney in your area first before filing your case. Even in a shred living condition, your will be considered as a single individual and, depending on your income, can qualify for either Chapter 7 or 13 bankruptcy.

Using Technology While Driving

In previous decades, the use of technology while driving was never a problem, either because the technology did not exist prior or because drivers simply did not use what was available as regularly as drivers do today. These days, almost every driver has a cell phone, many have GPS systems, and some also have televisions or other audio / visual equipment in their vehicles. All of these technological devices can easily distract a driver from the road, and might increase the chances for a serious accident.

Using technology while driving not only endangers the driver who is using it, but also anyone else who is on the road at the same time as the driver. Such behavior might legally be determined as reckless, and could be punishable legally if a driver is found to have been the cause of another persons injury or costs. Reckless driving injures millions of innocent people all over the U.S., and many of these injuries are the result of another driver using technology while operating his or her vehicle.

Being injured in a car accident caused by a distracted driver is frustrating, especially since it’s easily avoidable. Distracted driving due to technology is a grave danger to all drivers.

Dangers of Distraction

Technology is inherently distracting when a driver is driving. It can be so manually, visually, or cognitively, meaning that a drivers hands, eyes, or thoughts are not on the road, where they should be. A distracted driver might:

  • Run red lights or stop signs
  • Swerve into other lanes / over correct
  • Veer into head-on traffic
  • Disregard posted speed limits
  • Engage in other dangerous behaviors

Distracted driving is a huge problem among drivers who use technology while their vehicles are in motion. But victims of such reckless drivers do not always have to deal with their injuries and associated costs on their own.

If you or someone you care about has been in a car accident cause by a driver who was using technology while driving, you could qualify for financial compensation. Contact an experienced personal injury attorney today to discuss your position and options.

SSI: Necessary Communication between Beneficiary and Agency

When someone is approved to receive Supplemental Security Income (SSI) they usually are elderly and need money to cover basic expenses, or have a disability that prevents them from being able to financially provide for themselves or their family. The SSI program is run by the government-run Social Security Administration. The federal government administers and regulates the SSI program in some states. However, the majority of states choose to administer SSI through state governments. This choice is often efficient for the beneficiary and advantageous since state agencies can provide additional programs like Medicaid and Supplementary Nutritional Assistance Program (SNAP).

The money a SSI applicant is eligible to receive depends largely upon their age, medical condition, location, previous income, and who else they support. As one might expect, an eligible candidate is able to receive more money if their condition is serious and they share a household with multiple people.

Since the SSI program is a government-run initiative, there has to be an adequate degree of communication between the overseeing agency and the SSI beneficiary. If a dependent moves out of the household, the agency needs to be notified so that they can amend payments. Should a beneficiary not keep the agency informed they risk losing their benefits completely. Likewise if a beneficiary becomes a parent, gets married, moves addresses, etc these are all important factors in determining the amount of monthly SSI payments.

In urban areas like San Antonio, people are able to receive more money from their SSI package since the cost of living is higher than rural towns. Payments from SSA usually come at the beginning of the month and beneficiaries are entitled to notification should the amount of their payment change.

High-alcohol Beer Brands Could Land You in the Hospital

A recent study indicated that some beer brands may be implicated in alcohol-related incidents that may require emergency medical care.

The journal Substance Use and Misuse published “Alcohol Brand Use and Injury in the Emergency Department: A Pilot Study” by David H. Jernigan of the Johns Hopkins Bloomberg School of Public Health in collaboration with other authors which specifically isolated which alcohol types and brands were most often involved in alcohol-related incidents such as car accidents, drowning, falls and homicides.

It is not news that inebriation can lead to these incidents which may require trips to the hospital emergency room. However, this was the first study that suggested that those drinking certain brands are more likely to end up in the emergency room than others.

The beer brands identified in the study as overrepresented in untoward incidents are Budweiser, Bud Light, Colt 45, Bud Ice and Steel Reserve. Malt liquors normally have higher alcohol content than regular beer, and although only about 3% of the population drink malt liquor, they are identified as the cause of inebriation by almost half of those who received emergency medical attention for alcohol-related mishaps.

It is unknown if the conclusions in the study applies to populations outside Baltimore, where the data was gathered. If it is, the identified beer brands may have to change their warning labels to avoid personal injury or wrongful death lawsuits in the future.

Killer Dialysis Drug

A man in New Jersey just recently filed a dialysis lawsuit against the owners of the Granuflo and Naturalyte, just like several others who lost their loved ones. Another New York housewife  lost her mother because of the injection of deleterious treatment drugs. Like every other company trying to save its name, Fresenius Medical Care tried to keep the situation hidden from the public, perhaps they thought that with time they would come up with a solution. However, the situation went worse and after the involvement of FDA the condition was revealed to the public. The prescription of Granuflo Acid concentrate and Naturalyte Acid concentrate were instantly ceased and the complaints included charges of death, negligent of care and the failure to warn the public about the grave danger of Granuflo.

If it’s you or your family member who has suffered from the injuries of dialysis contact the dialysis lawsuit attorney for further queries.  Many attorneys offer free initial consultation that can give you a better evaluation of your condition.  There are myriads of people who have encountered death due to Granuflo and Naturalyte drugs and hence, the case has moved to mass tort. It is your right to file a lawsuit; many people do not opt for lawsuit because they deem it against their will or against their religion. If you do not claim then not only do you lose your right but also will lose the chance to sue the person who put you in the particular condition. Not only is it a chance to gain monetary compensation for your loss but also an opportunity to make the manufacturers realize their fault.

Most importantly claiming would not cost you any money, it is entirely free of cost.  A company that has treated nearly 80,000 a year is now the cause of death of hundreds.  Nearly 250,000 patients are treated with Granuflo and Naturalyte and almost all have their lives at the risk.

Birth Injuries From Medical Malpractice

Hull & Zimmerman, P.C.In the Garden State, doctors and nurses have essential responsibilities when caring for an expecting mother. Proper medical care should maintain the mother and child’s health before, during, and after birth. However, mistakes by doctors or nurses can seriously jeopardize either or both the mother and child due to a lack of accurate care or errors being made during delicate medical procedures. These injuries can have long-term impacts on a mother or child’s health, potentially endangering a mother’s health and causing serious developmental problems in a child.

Medical Malpractice before Birth

Prior to a child’s birth, doctors and nurses have the responsibility to provide accurate diagnostic care and properly advise a mother in case of a potential health concern. According to jeffsampsonlaw.com, if a doctor fails to diagnose an otherwise clearly noticeable health problem with a child or with the mother, they may endanger both. Failing to take action to diagnose and prepare treatment for apparent health problems may lead to serious complications at birth.

Medical Malpractice during Birth

Doctors and nurses need to act quickly to provide proper care to a mother going into labor. Failing to safely deliver a child due to misuse of instruments, such as vacuums or forceps, may damage a child’s brain and cause permanent disabilities. If a Cesarean section or similar surgical procedure is needed, it’s crucial for the mother and child’s health that these procedures occur without major mistakes.

Medical Malpractice after Birth

After a child is delivered, the nurses and doctors monitoring and providing any necessary post-natal care should be especially vigilant for any signs of disability. If any potential health concerns arise, doctors should act quickly to diagnose and move towards a course of treatment. Mothers should be provided with adequate care and monitoring as well. If a mother isn’t treated properly by medical care providers, she should develop an infection. This is especially problematic if a child’s delivery involved surgical procedures.

Filing for Compensation

If you or someone you love has sustained an injury to themselves or their child due to a medical professional’s unacceptable mistakes, there may be legal options available to pursue compensation for the cost of these injuries. To learn more about filing for this financial compensation, contact a medical malpractice attorney today.

Costs Injured Motorcyclists Face

In many cases, having a motorcycle rather than a regular vehicle can be beneficial for the driver. Motorcyclists often report better gas mileage, lower costs, and general inexpensiveness of maintaining a motorcycle as opposed to a larger vehicle. However, with these benefits also come potential risks for physical injury. Because a motorcyclist is inherently more exposed than a regular driver, if he or she is involved in an accident, then there is a higher chance that he or she will sustain serious physical injuries. A motorcyclist, for instance, has a higher chance of being flung from his or her motorcycle than a driver of a larger vehicle has of being thrown from that vehicle.

Injuries sustained by motorcyclists in accidents can range in severity, but they almost often result in costs that motorcyclists might not be prepared for. Some of the costs that motorcycle accident victims might be facing include:

  • Emergency transport costs
  • Medical treatment
  • Surgical costs
  • Physical / emotional therapy
  • Repair costs for motorcycle
  • Replacement costs for motorcycle

Each one of these costs could be difficult for a person to pay for. If an injured motorcyclist cannot pay for the costs that he or she faces after an accident, especially the medical costs, then a full recovery may not be possible. But this hardly seems fair to the motorcyclist. In many cases, if another driver is the one who caused the accident with the motorcyclist to occur, then that driver is often found to be responsible, legally and financially, for the costs of the motorcyclist.

If you or someone you know has been injured in a motorcycle accident because of the actions of another driver, and you want to know more about compensation, it may be a good idea to contact an experienced car accident lawyer today to discuss your legal situation and options.

Most Common Construction Accidents In New Jersey

Most construction workers understand that their jobs come with inherent risk. However, just because the nature of a job makes it somewhat more risky than others, in the context of sustaining a physical injury, does not mean that workers must refuse their rights to safety as well. This is also true of passersby who have to be near construction sites on a regular, or even occasional, basis. In fact, because construction sites are known to be dangerous and to cause a certain number of injuries every year in the U.S., those who are in charge of them ought to ensure that every measure available is taken to prevent serious injury.

Sadly, construction accidents occur with regularity all over the country. While some of these accidents are innocent, meaning that no person was acting negligently and the accident just happened, others are caused through reckless behavior or general negligence. In the latter case, many victims might be entitled to financial compensation, which can help towards paying for any costs that they might incur because of their accident.

Common Accidents

There are so many ways that a construction accident can occur, that making a list of them is almost never exhaustive. However, some of the most common construction accidents include:

* Crane Collapse
* Scaffolding Collapse
* Vehicle Accidents
* Exposure to Toxins
* Falling Accidents / Objects
* Machinery / Equipment Misuse

All of these accidents can be damaging, and occur regularly across the country. However, while victims might be facing serious physical consequences of a construction accident, they might also be able to get legal help if negligence or recklessness caused the accident.

If you or a loved one has suffered any negative effect of a construction accident, you could qualify for financial compensation. It might be a good idea to contact an experienced construction accident lawyer to discuss your options.

Bicycle Accidents

Today, many people have recognized that cycling is an easy way to alleviate the rising costs of owning an automotive vehicle. However, doing so does have some inherent risks. Cyclists are often required to share the road with cars, which places them at a certain amount of risk of suffering an accident and severe physical injuries. Both drivers and cyclists are responsible for following traffic safety laws. It is important to note, though, that while drivers are protected by a sturdy frame, airbags, and a seat belt, cyclists have no such safety measures. In the event of a collision, they are likely to suffer injuries such as lacerations, bone fractures, and traumatic brain injuries. Bikers who are injured by negligent drivers may be subjected to losses such as significant physical trauma and medical bills, for which the driver may be held accountable for.

Common Causes of Bicycle Accidents

Automotive vehicles are capable of causing significant property damage and severe physical injuries. When drivers fail to follow traffic safety laws and drive in a reckless manner, cyclists may be put at risk of significant injuries. Several of the common causes of accidents between cars and bikers are as follows:

  • Driving while under the influence of drugs or alcohol
  • Drowsy driving
  • Driving in the bicycle lane
  • Failing to maintain a proper distance from cyclists
  • Reckless driving

When drivers behave in a reckless manner, cyclists are put at risk of dangerous collisions and severe injuries.

Legal Action

If you were injured in bicycle accident by a negligent motorist, you may be able to hold that driver liable for your medical bills, lost wages, and other losses. In the event that you are considering taking legal action, it may be in your best interest to utilize the services of a competent personal injury lawyer who can help your pursue the compensation that you may deserve.

When You Should Consider Plumbing Repairs

ALD Plumbing

A plumbing problem left to its own devices could wreak havoc on your home. It might lead to the development of mold, flooding, water damage, bacteria, and structural problems, among other things. Many homeowners experience some kind of plumbing issue at some point in their lives, but with the right plan, homeowners can nip a plumbing issue in the bud quickly, and continue with their lives.

Repair Needed When

Sometimes plumbing issues can be difficult to recognize and homeowners are unsure whether or not they need a repair technician to look at their plumbing. You might need a plumbing repair if:

  • You notice water spots on walls, a floor, or the ceiling
  • The pressure in your water pipes is irregular or noisy
  • Your water heater or other appliance is extremely loud
  • You notice an odd, unpleasant sewage smell in or near your home
  • You have pipes that regularly drip, or drains that wont work properly

All of these issues may indicate that a plumbing repair is necessary, and you should take action quickly to protect against a serious issue.

If you or someone you know is in need of the services of an experienced plumber, contact a plumbing specialist today to discuss your homes needs.