Accidents can happen anywhere and anytime, from your work area, malls and even inside your homes; which can surely affect your well-being, finances and your performance. With this in mind, some individuals now opt for insurance plans to help them have sufficient finances and benefits in case accidents strike.
As for workers, they have better benefits during an accident since they can get compensation claims from the company to help them with their financial and medical needs. However, it is very essential for workers to know the compensation plans to help them determine how to make use of it in case of unexpected accidents. In addition, if you are making a compensation claim, you need to consider these tips in order to make your claims better and more efficient.
Determine the amount of your claim – Workers must be sure about the amount of their claim since they need to settle medical costs such as hospitalization, medicines and other expenses with regard to their injuries.
There are many challenges currently facing the legal industry, but marketing is most definitely at the top of the list. For much of history, traditional methods of marketing have been used successfully by attorneys to help attract clients. With so many lawyers on the market (and more graduating and passing the bar every year), those traditional methods just don’t work like they used to.
Part of this is also due to the fact that the proliferation of the Internet has changed the game. Putting an ad in the Yellow Pages, for example, just doesn’t have the reach that it might have had ten years ago. More people than ever are starting their search for products and services on the Internet, and this is true of finding legal professionals, too. Now more than ever, an online reputation as well as an online method of marketing must be implemented by attorneys who wish to continue reaping the benefits of success.
Of course, it makes sense that social media should be a component of every attorney’s marketing plan. A real effort, however, must go beyond this. If your website doesn’t have detailed information about your services, as well as a properly updated blog, you run the risk of being passed over for someone else. These days, attorneys are using online content marketing in conjunction with traditional methods and social media to set themselves apart from the competition. It’s vital that the legal community make the most of this trend towards online research. This involves not only being present in the online community by posting regularly and contributing material, but ensuring that your website and blog reflect relevant information that proves your competency.
Learning about what individuals are searching for, as well as the qualities they seek in hiring an attorney for their specific legal needs, can go a long way as well. This can be completed by legal staff or other professionals to whom the job is outsourced, but understanding how people arrive at a final decision is extremely helpful for gearing legal marketing. Another way to explore this avenue is to ask current clients what led them to their existing attorney and to have them provide testimonials. Networking and identifying the right clients as well as other valuable industry professionals, can help to build your brand. In a world where reviews play an increasingly important role in assisting consumers make final decisions, the words of others can be extremely beneficial for an attorney who has developed positive relationships with current and former clients. Implement a marketing plan today that reflects your image.
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, more commonly called the 2005 Bankruptcy Act or New Bankruptcy Law, made significant reforms to the current US Bankruptcy code. Its purpose is to prevent perceived abuse by customers especially those individuals who file for bankruptcy just to avoid paying for unwanted debts. An example of these changes is that before individuals are eligible to file for bankruptcy relief, they must go through a mandatory credit counseling program for six months. After that individual has filed for bankruptcy, a financial management course must also be completed.
An individual’s eligibility to file for Chapter 7 and Chapter 13 bankruptcy has also been changed under the New Bankruptcy law. To determine which chapter you are eligible to file for, the bankruptcy court uses the means test. This means that it compares the your state’s median income to your average income over the preceding six months. You can only file for Chapter 7 Bankruptcy if your income falls below that median. If not, however, further measures in the means test will help you understand whether you need to file Chapter 7 or Chapter 13,
Therefore, before you file, it’s more important than ever to know the full extent of your circumstances. Your current income sources, debts, monthly living expenses, the deeds to any real estate or other major property that you own, records of any large financial transactions for the last two years, and tax returns should be properly recorded, filed and cataloged to make the process easier and to avoid any penalties or even disqualification. You’ll need the guidance of an attorney to review your assets because not all property is exempt from being seized as part of the bankruptcy process. Don’t forget to secure the necessary forms to be used as well as to file a petition. Because any other information brought forth by your creditors could jeopardize the success of your bankruptcy, it’s very important that you are detailed and truthful on this petition.
If you’re filing for Chapter 13, you must also create and submit a repayment plan. Your leftover money after your living expenses and how that will be divided with your creditors should also be considered and planned carefully. You must be prepared to pay back child support and taxes in full while your unsecured debts (like medical bills and credit card debt) are partially paid.
An automatic stay is granted to all your debts when you file for bankruptcy. Once you have officially filed, any foreclosure proceedings currently in the works at the time of filing and all communications from creditors will be stopped. However, this temporary relief comes at a price. The court will appoint a trustee to manage your case and all of your property that are not protected by the exemptions. Although the New Bankruptcy Law allows for a more merit-based, albeit confusing, bankruptcy filing, it is still in your best interest to speak with an attorney to clarify some questions and to guide you correctly through the entire process.