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Bankruptcy due to Medical Debt

Posted by on Apr 2, 2015 in Finance | 0 comments

Despite the approval and implementation of The Patient Protection and Affordable Care Act, more popularly known as the ObamaCare since March of 2010, the cost of health care and health care services is still high. This, in turn, has not done much to reduce the number of people filing for Chapter 7 bankruptcy in order to help eliminate their stacking medical debt.

Under the Chapter 7 bankruptcy, medical debt is considered a non-priority unsecured debt. This would mean that the medical debt is not a perceived priority provided that the trustee is able to make payments to the creditors, and even if only a portion of the debt is paid during the bankruptcy and the discharge is given by the court, the remainder of the debt will be completely wiped out. Fortunately, there is no limit given on the amount of medical debts, but the requirements to qualify you for a Chapter 7 bankruptcy should still be met.

Always remember that the bankruptcy only wipes out the debts that occur during the filing of the bankruptcy. The website of bankruptcy lawyer Erin B. Shank, PC states that any debt acquired after the bankruptcy has been filed will not be considered a part of the ongoing bankruptcy. It is a better option to delay your filing for a bankruptcy if you think there is still a possibility of adding more medical debt to your present debts. However, you must also remember that you have certain limitations on the number of times you will receive a discharge following a bankruptcy filing as stated in the bankruptcy law limits. If you are still continuing your medical treatment and obtaining more debts, it would be a wise decision to delay your bankruptcy filing. Talk with a bankruptcy lawyer to weigh your options and determine which alternative will best work for your situation.

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The Risk of Rollover Accidents

Posted by on Apr 1, 2015 in Car Crashes, Personal Injury | 0 comments

Head and neck injuries are the most common and often deadly injuries that can occur in a rollover car accident. This is the main reason why car manufacturers are required to test out the safety features of their vehicles before putting them out to the market. Unfortunately for the manufacturers of the Ford Explorer, the roof supports were not strong enough to ensure the safety of the passengers inside the vehicle, and combined with the Explorer’s high risks of rollovers, it has lead to a great number of accidents, injuries and even death since its initial release in 1991.

A great majority of SUV crashes are due to rollovers, and because of the substantially poor roof supports they are more likely to cave in and crush. Cars that are lacking the safety of sturdy roofing support beams might be seen as high risk in the event of an accident. This might mean that they could be more pricey to insure. Insurance is a complicated industry though, you can obtain more information about rollover accidents by contacting your local car accident lawyer. The injuries that can occur to the driver and passengers inside a rollover accident that happens in a vehicle with minimal roof safety supports can be extensive, and they also can be life-threatening. Aside from serious head and neck injuries, a driver or their passengers can suffer from spinal cord injuries, paralysis, deep cuts and burns, and broken bones. Evidence has determined that the vehicle manufacturers knew about the dangers of the roof caving in due to poor support, but still sold the vehicle to the market. This makes them accountable to and damages or injuries that the driver or passenger suffers after an accident.

Aside from personal injury claims, the website of Franklin, WI car accident lawyers says that the manufacturer can be held accountable for product defect. This is because despite knowing the defects and weak roof support that their vehicle has, the still sold it to the market. They should be held responsible for their negligence and disregard for their customers’ safety. Various reports and studies have already proven the danger of the Ford Explorer’s roof caving in during a rollover accident. This is the kind of thing the manufacturer should know and inform their customers about the danger that might be in, as well as be held accountable for failing to ensure the safety of their customers.

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Preventing Workplace Injuries

Posted by on Mar 31, 2015 in Workplace Safety | 0 comments

Pre-employment testing is generally aimed to ensure workplace safety. An effective pre-employment testing and examination can establish whether an applicant is suitable for a certain job or not. Hiring someone unfit for a specific task or job can only increase risks of disease or injury in the workplace, and can even cause harm to others when they get into an accident. Aside from testing the suitability of the applicant for the job, pre-employment testing helps mitigate any issues that may arise after an employee has been in an accident and through physical therapy to determine whether they are still physically fit for their previous job.

Workplace safety is a great concern for all companies, since any type of accident can be costly to the business. Aside from the worker’s compensation that will pay for the damages that the employee has suffered, the accident can take away important working hours and sick leaves that could delay the work and cost the company more money. A serious breach of workplace safety can even lead to long-term disability or death of a valuable employee. In order to limit the risks of such tragedy, pre-employment testing and physical examination should be done before hiring a person to give them a specific task.

There are other ways to prevent workplace injuries aside from implementing pre-employment screenings. It is also important for employers to provide proper orientation on their new employees regarding the implemented safety procedures in the workplace. They should also be provided with the necessary safety gears and protection suitable for the job that they will be doing, and to understand the specific dangers that come along with it. They should know the first thing to do when an emergency occurs in the workplace to limit the injuries and damages that may occur, and have the mandatory rests to ensure fatigue and stress will not cause distraction on the employee. To get the best from the pre-employment testing to prevent workplace injuries, each assessment should be modified to fit the appropriate requirement of a specific job. This will not only benefit the company, but most importantly the employee in the long run.

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Juvenile Crime

Posted by on Mar 29, 2015 in Criminal Defense | 0 comments

Juvenile crime is a class of criminal actions committed by juveniles, or those who are 18 years old and younger. Because they are considered minors, the justice system has a separate and specific set of laws that is applied to address the criminal acts that these juveniles commit. There are instances, however, where they can be tried as adults, and this would all depend on the severity of the crime.

Most crimes committed by juveniles are considered simple misdemeanors such as vandalism, petty theft, trespassing, simple assault and others. The penalties for these types of crimes may not be as heavy as serious misdemeanors or felonies – they can be incarcerated for a maximum of 12 months in local jails. Other options for misdemeanor crimes are juvenile probation, part-time imprisonment (served during the weekend), community service, and short jail terms. If a serious crime has been committed by the juvenile, the court may need to consider parental accountability.

Parental accountability are applicable in certain states, and this often refers to the putting the parents legally liable for the actions of this child according to a number of factors: (1) the parents have the legal obligation of prohibiting the child from violating the law, and (2) holding parents accountable for their child’s actions can help lower rates of juvenile crimes. There are a number of juvenile crimes that parents can be held accountable for, and with the advent of technologies, computer crimes are just the recent addition to have heavy legal consequences.

Parents who expose their children or allow them to commit drug- or alcohol-relation offences or any other delinquent acts can make them liable for the crimes the child had committed. Repeat offenders are often given harsher fines and penalties. Likewise, if a parent grants their child access to firearms and other dangerous weapons that the parents own, they can be sued. As any Collin County criminal defense lawyer will probably tell you, criminal records can lead to a more difficult adult life because it they can give many restrictions to the child and can lead to a more trouble life.

Whether the parents are charged with negligent supervision on their child or the child is charged with a crime, the best thing to do it to get a criminal lawyer (particularly someone who knows and deals with juvenile crime) to avoid harsher penalties. An experienced criminal lawyer in your state will help provide advice on the possible legal consequences that criminal charges can cause to you and your child, and make strong defense to protect your rights.

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Liability for Child Injuries

Posted by on Mar 25, 2015 in Personal Injury | 0 comments

If a child has been injured due to caregiver’s negligent action or inaction while tasked with monitoring the child, they can be held liable under the Negligent Supervision Laws. A caregiver is responsible for negligent supervision if they have the knowledge (or a reason to acknowledge) that the child is in need of monitoring or protection and that they have failed in their duty to perform this responsibility. Based on reports from the United States’ Centers for Disease Control and Prevention (CDC), unintentional injuries are the leading cause of death for those who are aged between 0 and 19 years old.

Every year, about 12,000 unintentional injuries are reported that are potentially bring about the death of the victim. Some of the causes of these accidents are drowning, traumatic brain injuries, car accidents, defective products, and many others. In order to effectively file a negligent supervision claim, the website of Habush Habush & Rottier S.C. says that getting a lawyer who works in your state can be extremely beneficial. This is important since each state can have their own special or specific laws regarding negligent supervision claims, and since each case is unique they have to know how to work with the system. However, being a negligence claim the basic three principles should still be present and must be presented with proof: (1) the acceptance of responsibility of the caregiver, (2) that the injury occurred because the caregiver was negligent in their duties to supervise the child, and (3) that an reasonable person would have known about the possibility of injury or accident that happened.

Although negligent supervision applies to the child and their biological parent, anyone who has legally accepted the responsibility of guardianship of a child can be held liable for negligent supervision laws. These people include legal guardians, stepparents, school officials, day care providers, relatives, and leaders of community groups that the child is entrusted on. If the caregiver failed to eliminate the danger which the child might be exposed to despite knowing about it resulting to the accident, then the caregiver can be sued. Because it concerns the safety and welfare of minors, the website of the Law Offices of Yvonne M. Fraser says negligent supervision laws are implemented very strictly. Such claims often result in legal consequences for the caregiver, paying compensation for the damages that either the child suffered or from damaged property.

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