Personal Injury Lawsuit

The decision to file bankruptcy is a serious decision but it is a decision that can give you a fresh start if there is no other way out. Bankruptcy is a legal way to discharge unsecured debt that can provide an overwhelmed debtor with a new beginning. It may be possible to keep your present home and your car after filing bankruptcy. A law firm such as the Malaise Law Firm, with attorneys skilled in San Antonio bankruptcy law can help you decide if bankruptcy is the correct decision for your particular situation. If the decision is made to file bankruptcy, they will explain to you the pros and cons of the two types of bankruptcy available to individuals, Chapter 7 and Chapter 13.

Chapter 7 is what most people usually think of as bankruptcy. In Chapter 7 bankruptcy, a debtor’s non-exempt assets are liquidated or sold with the proceeds used to pay toward unsecured debts such as credit cards, loans, and medical bills. In the majority of bankruptcy cases people do not lose any property and the unsecured creditors get nothing. Several months after filing bankruptcy the unsecured debts are discharged and the creditors can never collect on the debt. A secured creditor may still enforce a lien to recover property secured by the lien.

Chapter 13 is a debt reorganization or consolidation bankruptcy. If a debtor has regular monthly income, their debts including mortgage arrears, car payments, credit card bills, medical bills, loans, student loans, etc. are combined into one low monthly payment. Since the debtor is paying back their creditors through a repayment plan, the debtor does not risk losing their assets as they may under Chapter 7 bankruptcy laws. During the repayment plan creditors are prevented from contacting the debtor without first going through the debtor’s bankruptcy attorney and the court.

Millions of people declared bankruptcy in 2007 to get the fresh start they needed. Contrary to popular belief, your credit is not permanently damaged and it is still possible to get credit after filing bankruptcy. At the Malaise Law Firm, our San Antonio bankruptcy attorneys have over 40 years experience helping people file bankruptcy, with two board certified attorneys. We put our emphasis on helping our clients do what is in their best interest and our clients needs always come first.

The Malaise Law Firm serves the residents of San Antonio, Houston, Dallas, Fort Worth, Corpus Christi, Harlingen, Brownsville, and McAllen, Texas with all of their legal needs including bankruptcy. If you would like to see what we can do to help you please contact The Malaise Law firm today at www.malaiselawfirm.com/contactus or call 1-800-BANKRUPT for immediate assistance.

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Arterial highways throughout the mainland United States are home to the semi, the eighteen-wheeler, the big rig. They carry the goods and transport the necessities American families rely on, week to week and day to day. The deadlines most of these drivers are accustomed to meeting are strenuous, to say the least, and the skill necessary to captain these behemoths from state to state is extreme. Just think, a fully loaded commercial cab and trailer can weigh in excess of 80,000 pounds. The responsibility of piloting this much weight among automobiles of much smaller size is enormous; it takes a steady hand, a keen eye, and quick-acting reflexes. Many truckers need to make good time in order to receive the highest compensation for their efforts, and this pressure can make some drive when they might should be resting or sleeping.

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Riding bikes can both be fun and healthy. It can be an excellent way to exercise and maintain a healthy lifestyle. Likewise, it can be used to bond with family and friends. However, while it can provide enjoyment, bikes have also been an agent for getting scratches, bruises, or become seriously hurt.

Bike injuries can range from mild to serious. Minor injuries may include scratches or bruises while the major ones may consist of head injuries. Bike accidents involve not only adults but also children. In fact, reports have it that compared to automobile accidents. Thirty six percent of the victims are children less than 14 years of age.

Safety Measures when Riding a Bike

However, while we may not predict when accidents will hit us, it is possible to reduce the percentage of bicycle accidents. The following are some guidelines on how to prevent bicycle accidents.

1. Placing headlights or reflectors on your bike - Due to their size, it is hard to notice approaching bicycles during the day. Installing headlights or reflectors at the back of your bicycle can help make it more noticeable to other drivers.

2. Another alternative to reducing bicycle accidents is by putting a horn on your bike and honking it. By doing so, you will be able to alert pedestrians and vehicles that you are approaching.

3. Likewise, avoid driving fast or swerving from one side to another. It would be hard for other vehicles to see you by doing this.

Always bear in mind that other vehicles may not be able to see you. If you have this mindset, it is better to be a defensive driver than to be involved in an accident and become seriously hurt.

What to Do After an Accident

Since we cannot take away the fact that bicycle accidents can happen anytime, here are some important tips that you should bear in mind should you go on and make the culprit liable for damages.

1. Hire the services of bicycle accident lawyers for your protection and assistance in filing a claim

2. Check with your health care provider right away for proper evaluation and treatment.

3. When you are done with the examination, do not forget to ask for copies of medical records and expenses since your lawyer will be needing them in proving the seriousness of your condition as well as in determining compensation

4. Secure an employment certificate if you are presently working for the days you were absent for treatments. This is vital in claiming for loss income

5. Estimate the cost of damages to your bike

6. Obtain a copy of the police report from the responding officer who was present during the accident. It will be a strong help in uncorking the facts and determining the offending party.

7. Get eyewitness accounts

By following the tips mentioned above, you will get an assurance that your right to file a case or settle for claims is assured and followed by all parties involved.

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