A fast paced world… You’re in debt to the IRS and you want it off your shoulders…right now! You’ve gone round and round with an IRS revenue officer, but they aren’t being much help. They just want to know about your assets and when you can pay the debt in full. And you keep telling the guy that if you had the money to pay off the debt you would.

So how can you pay off the IRS debt fast, fast, fast!

They will get your money…The fastest way is to of course pay off the debt in full, but you don’t have that kind of money…or do you? There’s a reason that IRS revenue officer wants to know about your assets or any other accounts that you might have squirreled away. Because the IRS wants to seize and sell it at auction in order to collect on your debt.

So do you have any assets you can sell? When you’re in debt to the IRS it may be time to tighten your belt.

Do you have a boat, or multiple cars…you may need to sell them. After all you’ll probably be able to get a better price for them then the IRS will.

Do you have any investment accounts like a pension or 401k? You may need to make an early withdrawal to pay off your debt. Just make sure you pay the taxes on the withdrawn money or you’ll owe the IRS all over again.

How about equity in your home or some other property? I know the way the home market is today may not allow you to take out an equity loan or refinance, but if you are able to you might want to consider it.

There are also credit cards and bank loans. I know you’re thinking that you don’t want to trade one debt for another, but trust the IRS-Hitman on this…the highest credit card interest rate is peanuts compared to the interest and penalties the IRS assesses on your debt.

The taxmen have other plans…The fasted way the IRS wants to pay off your debt would involve the following: they would levy your bank accounts, and other funds that you might have. They would seize your assets and property and sell it at auction which is almost always at a loss. And to add insult to injury they’ll put a tax lien on your credit so that you can’t get a bank loan, credit card, or any other method to pay back the lump sum.

Slow and steady…Of course there are slower ways to pay off the IRS including Offers in Compromise, Installment Agreements, and Penalty Abatements. But those can take a year or more and who has that kind of time.

Now you have the smoking gun…Use it!

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Looking for a personal injury attorney is typically a stressful process simply due to the nature of your claim. If you were not injured, you would not need them in the first place, so you are typically already faced with physical, mental, and financial stress. This is the type of state where you can easily make some poor decisions, so be sure to take your time finding the right representation.

Here are 5 things to ask your personal injury attorney:

1. How Many Cases Have They Lost/ Won?

Some people make the mistake of thinking that they need a lawyer, any lawyer, and do not take the time to even find out what kind of experience the first lawyer they speak with has. While it is certainly a good idea to have some type of legal representation, it is a better idea to find out what kind of win/ loss ratio the attorney has in this type of case.

2. Do They Have Trial Experience?

Many personal injury attorneys worth their salt will end up closing the case with an out-of-court-settlement, as this is often the best way to get the best outcome with the least risk, but it is advisable to work with someone who has some trial experience should the case go the long run. If your lawyer doesn’t have actual trial experience with personal injury cases and your opposition has reason to believe they can win, you can be sure they will have this information.

3. How Much Experience Do They Have?

Sure, everyone has to learn somewhere, but you typically do not want your lawyer to do all their learning on your case. Find someone with some real experience in the field, and as mentioned above, experience winning in a court of law is a good thing.

4. Is Personal Injury A Specialty?

Most good attorneys specialize in certain areas of law. Make sure that personal injury is one of your lawyer’s specialties so you know they have the proper representation for winning this kind of case. Every field of law takes specialized knowledge, and this can have a huge effect on results.

5. What Are My Chances of Winning this Case?

A good lawyer might see this as a trick question, but that is okay. You should be weary of lawyers that make big promises especially if they have not even heard the details about your case. There is no way to immediately know if you are going to be able to win, and a proper attorney will tell you in the beginning an honest assessment of your chance of winning (after they get the details) but not promise you the world.

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If you have been injured at work, you may be considering, or even in the process of filing for Workers Compensation. You may not know what to expect from the process. You may not even know if your benefits will be enough.

Depending on your state, Workers Compensation laws and procedures may differ a bit, but the basic process is the same. You begin by filing a claim. This claim is review for validity. Assuming that your claim is approved, you will begin receiving a weekly benefit package.

Now we get to the important question. How much is my Workers Compensation claim worth? In other words, will I still be able to pay my bills? Benefit amounts will differ depending on the severity of the injury. If an injury leaves the employee totally unable to work, the benefit amount is based on a fixed formula. For an injury which allows one to continue working in a limited capacity, the benefit amount is based on a rating system adapted by the American Medical Association. In this system, physical function is assessed, and a disability percentage is given to determine one’s ability to perform job functions. This AMA impairment rating, and the subsequent multiplying factor, would establish your benefit amount.

Again, some states differ when figuring out your benefit amount. General consensus among most states is that you are entitled to up to two-thirds of your average weekly income for an injury resulting in total disability. In most states, however, your benefit amount is usually limited by an established average income within your state. For example, if you get injured at work, where you receive $1000 a week, then you would be entitled to up to $666.67 per week in Workers Compensation benefits. However, if you live in a state with a lower average income, that limits the maximum benefit that you can receive. If you were earning the same $1000 per week in Kansas, for example, then you would be limited to the current average income of $546 per week.

In comparison, a worker who is only partially disabled by an injury would receive substantially less. In these cases, an AMA impairment rating would be established before the benefit amount could be determined. For the purpose of comparison, we will assume that the same employee makes the same $1000 per week. That employee is then injured at work, becoming partially disabled, and an AMA impairment rating of 25% is given. A 25% AMA impairment rating carries with it a factor of 1.15. If you multiply these together, you are left with a disability rating of 27.5%. This rating is then multiplied by the maximum benefit amount for a total disability, which leaves a maximum partial disability benefit of $183.33 per week.

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A hit and run accident is more common than most of us think. Nearly 30% of all drivers in the U.S. are not insured. This leads to a very high rate of hit and run accidents daily. This type of situation is a very

confusing and can take you by surprise.

If you are in this unfortunate situation, try to get as much detail about the other vehicle as you can. This is not always possible since you can be hit in a parking lot and will not have any idea of who hit you.

However, in the even that you were present, try to identify the type, model, and color of the car. If you can get the license plate number then that would be even better. One thing you should never do in a hit and run accident is to get in a car chase. You never know why the other vehicle is running away and if they can possibly be armed and dangerous. Consequently, if you violate any traffic laws, you will not be excused. That also applies if you get in a second accident or you hit someone else.

You need to call the police as soon as you can. This is often a source of frustration. The police will ask if your hit and run accident happened in a parking lot or if anyone was injured. If you are in a parking lot, the police will not come to the scene because it is private property and they do not have “jurisdiction” over that parking lot (unless there are injuries). Sometimes police officers do answer to hit and runs in parking lots, and sometime they will only answer if there are injuries, however, they are not obligated to. You could easily end up holding the bag.

To protect yourself, you should still call the police. If the police department does not come to the scene, then go into the nearest police station and file a “walk-in report”. Make sure you carefully analyze and document the scene of the accident before you leave. To learn what to do and what information you will need when filling a police walk-in report, visit http://www.auto-insurance-claim-advice.com/Police-Report.html.

Make sure that you get as much detail as you can about the scene and of what happened. If you can take couple of pictures, this would really help your case.

The next step is to file a claim with your own insurance company. To be covered for a hit and run accident, you need collision or uninsured motorist property damage coverage (uninsured motorist bodily injury if there are injuries). You will be subject to a deductible that you purchased when you took out the policy. If you do not carry either of these coverages, then your insurance company will deny coverage.

You will have to report the claim within a reasonable time. You will also be required to file a police report, even if it is a walk-in report. Going to the closest police station and filling out the necessary forms will ensure that you get your car fixed. You could jeopardize your coverage if you do not file a police report or inform the insurance carrier within a reasonable time.

You can file the claim even before you file the police report. You just have to make sure a police report is file within a reasonable time. Some police departments will not accept walk in reports for matters older than three days, some others will give you more time. Either way, try to file the report before the three-day mark.

Once you have the report, fax it to the insurance company and let them handle the hit and run accident and the damages. They will follow up with the police investigation to find the responsible party. If the are able to collect, they will inform you and refund your deductible according to your state regulations.

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A “no contact order” means that the defendant is precluded from having any contact and or communication with the victim or the person under the protection of the no contact order. This includes but is not limited to letters, emails, text messages or messages delivered through a third party. This article pertains to Rhode Island (RI) no contact orders.

In other words if a person is under this type of restrianing order and sees the victim in public they must leave the area immediately and not acknowledge the victims existence. A person cannot even say “hi” if they walk by the victim by chance on the street.

Be very careful! A person can be arrested for a violation even if the victim initiates the contact and calls the defendant. A person can be charged with a violation even if invited by his wife to come back to the marital home.

Even if the victim tells you that the no contact order has been dropped, do not take the victims word for it. You must see the piece of paper signed by the judge dismissing the order before any contact or communication is initiated. A no contact order expires when the sentence period is finished. It also expires if the case is dismissed or the defendant is found not guilty. However, be careful because there may also be another restraining order issued as a result of a divorce or Family Court matter or a District Court restraining order.

A person who is on probation, bail or a probation attached to a suspended sentence must be even more vigilante in order to not violate the no contact order. A violation is a crime in itself which is also a violation of the conditions of probation, filing or bail.

A person on probation, during a one year filing or bail can be held at the ACI if they are accused of violating a no-contact order. For example if a person is on probation, filing or bail, a single phone call made by the defendant to a victim under the protection of a no contact order probably means a minimum of ten 10 days in jail at the ACI. We are not talking about the local town jail but the ACI. If a person has a suspended sentence the amount of jail time for could be substantial.

Legal Notice per RI Rules of Professional Responsibility:

The Rhode Island Supreme Court licenses all lawyers and attorneys in the general practice of law, but does not license or certify any lawyer/ attorney as an expert or specialist in any field of practice.

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Most people worry about how they will legally be able to defend themselves against debt collectors. The truth is that if debt collectors are trying to collect on an old debt it is important to see if the statute of limitations has been met. If this is the case than the debt collectors are no longer able to try to collect on the debt thus eliminating it.

As explained by Title 15, Chapter 41, sub chapter I, Part A paragraph 1602 of the Truth in Lending Act a credit card account is viewed as an open account. Many people can be confused about what credit card accounts of theirs meet the statute of limitations requirements. These can be easily calculated by simply researching when you missed your first payment or your first letter arrived in the mail demanding payment. Calculate how much time has passed until the present.

Legally credit card companies have an allotted amount of years in order to collect their debt. This means that your state has a set number of years that if your credit card company is unable to collect the debt and does not file suit than they can no longer legally collect on that debt after that time frame.

You should seek legal counsel in order to completely understand the facts that surround the statute of limitations. There are specific actions that may affect the time that will need to pass in order for the statute of limitations to be reached.

Below is a list of a list of States and the years required:

Alaska 6

Alabama 3

Arkansas 3

Oklahoma 3

Arizona 3

California 4

Colorado 6

Connecticut 6

Delaware 3

Florida 4

Georgia 4

Hawaii 6

Idaho 4

Virginia 3

Illinois 5

Indiana 6

Iowa 5

Kansas 3

Kentucky 5

Louisiana 3

Maine 6

Maryland 3

Massachusetts 6

Michigan 6

Minnesota 6

Mississippi 3

Missouri 5

Montana 5

Nebraska 4

Nevada 4

New Hampshire 3

New Jersey 6

New Mexico 4

New York 6

North Carolina 3

North Dakota 6

Ohio 4

Oregon 6

Pennsylvania 4

Rhode Island 10

South Carolina 3

South Dakota 6

Tennessee 6

Texas 4

Utah 4

Vermont 6

Washington 3

West Virginia 5

Wisconsin 6

Wyoming 8

The Statute of Limitations can be interposed as a defense either before a suit while the account is still in the hands of a bill collector or after suit has been filed. A debt settlement attorney knows when and how to use this defense.

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A parking lot accident can ruin your weekend. If you ever went to the grocery store, you know that the

parking lot is a deadly trap. It is not uncommon seeing people backing out while

smoking a cigarette, or talking in their cellular phone. It is even worst when

you honk at them and they look at you as if you were doing something wrong. If

you are in a parking lot accident, there are several things you need to know

about before it is too late.

Most parking lots in America are considered private

property, and most of the accidents are low speed impacts. This means that

“usually” there will not be people making bodily injury claims, at least not at

the scene. The combination of the two allows the police decline your call for

help. It is very likely that the police will not respond to document the

damages.

You will be left at your own devices to get the other

party’s information and defending your case. A parking lot accident usually gets

complicated. Drivers have very different perspectives of what happened and word

vs. word situations will most likely arise if you do not have witnesses

(insurance companies require independent witnesses, so your passengers will not

count).

It is often the case that the other party will not want to

give you their information. This is when things can get ugly. How can you file a

claim if you do not have their information? Call the police again (even if that

is after they left) and try to get them to come out. If they don’t, then go to

the closes police station and file a walk in report. Write everything you know

and exactly what happened. This will help you later on to document your claim.

There are two reasons why people won’t give you their

insurance information. Either they do not have insurance (way to often in the

U.S.) or they think you are responsible for the accident. The common view is “if

you hit me, then your insurance should pay”. In no fault statues (like

Michigan), this does not apply, but all fault states most driver do not want to

file against their own insurance company. Although this is a reasonable

deduction, it is misguided.

Insurance agents try to discourage people from making claim

against their own insurance policy. They worry about your rates. Most of the

time, your rates will not be affected if you are a good customer and the

accident is not your fault. Agents also have personal motives for this; they

have “loss ratio” percentages that can lower their commissions, so they want to

discourage claims as much as they can. No filing a claim can jeopardize

coverage, you have a duty to report an accident, and not doing so can left you

without coverage.

This can put you in a very bad spot. If you do not file a

claim then no defense against bodily injury claims and ludicrous claim will be

paid by the insurance company. Protecting your defense rights can save you

thousands of dollars in legal fees in paying someone’s alleged injuries.

Even if your parking lot accident is minor and the damages

are not significant, call the insurance company and put them on notice. This

will protect you in case the other party makes a claim against you. Remember

that a parking lot accident is the single most disputed accident out there.

Make sure you file a police report, even if that is a walk

in report. This will protect you in case the other person does not have

insurance. Most

Uninsured Property Damage Coverage in the policy makes it a requirement that

you file a police report, this will accomplish that.

It is a great idea to go back to the parking lot and talk

to the business owners (or managers). Many parking lots in America have

surveillance cameras and it is likely that the accident was caught in tape. This

will be the single most important piece of evidence. Should your adjuster get

that? Yeah, she should. But that does not mean that she will. Unfortunately

there are many adjusters that will only take a recorded statement and call it an

investigation.

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It means they have completed a training program after going to medical school, and they have taken certification examinations to determine their proficiency in a particular specialty of medicine.

Generally in the United States, doctors go to medical school for 4 years. After medical school, they will then go on for further post-graduate training at a hospital. This is known as an internship/residency. The internship is their 1st year of training after medical school. After that 1st year, many hospitals consider the doctors to be in their residency. [This term comes from when doctors had to live on the hospital campus and literally be available day or night]. The length of a residency varies from 3 years up to 7 years depending on the specialty. During a doctor’s internship & residency, they are employees of the hospital, and are [supposed to be] working under the supervision of an attending [senior] physician. In theory it sounds nice, but it doesn’t always work in reality- especially in large municipal hospitals where the volume of patients can be overwhelming.

After the doctor completes their accredited internship/residency, then they go out into the ‘real’ world and start practicing medicine- either in a group practice, a solo practice, or with a hospital. In many specialties, the doctor must complete 2 years of practice (called clinical practice) before becoming eligible to take their board certification exam.

A board certification exam is a national exam, given to doctors in a specialty to test their knowledge and experience. If a doctor fails their board exam, they can retake it at a later date. Interestingly, they can continue to practice medicine in New York, without being board certified.

As long as the doctor is licensed to practice medicine, they can practice anywhere they choose. A doctor does not need to be board certified to practice medicine in New York. As a patient seeking medical services, you should ask your doctor whether they are board certified, because this establishes the basic minimum standards that the doctor must meet before being able to say that they are ‘board certified’. If your doctor has not passed his boards, then you know that there was some deficiency with his/her ability to pass the exam.

Warning:

There are good doctors who are not board certified who are practicing medicine in New York. Likewise, there are board certified doctors who may not be good doctors. Just because someone is board certified does not mean that they were not careless at a given point in time, nor does it mean that they are not responsible for injuries they may have caused you.

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If you have unpaid traffic tickets, missed court dates, or a criminal history, you might be wondering if you have warrants out for your arrest. There are a few simple things you can do to find out if you do.

1) Call the courthouse that you think you might have warrants in. Ask to talk to the payment office and ask if you have any warrants. You need to have your case ID number that you received in the mail or at the courthouse on hand.

2) Use one of the free or cheap online warrant lookup services. The good ones will require a small fee, but it is worth it if it means getting your warrants cleared up.

3) Go up and ask a police officer if you have any warrants. WARNING: doing this may result in your arrest, I would not recommend doing this.

4) Do nothing and wait. Eventually someone will contact you, but they might put you in a great deal of debt, or worse send you to jail.

Unpaid warrants have ruined a great number of people’s lives. I cannot stress enough how important it is to know if you have warrants out in your name. Your warrants, which you may not even know about, could keep you from getting a job, destroy your credit thereby preventing you from owning a home, or even put you in prison for a long time. Take the advice in this article and get rid of those warrants. Your future depends on it!

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Do you need to obtain arrest records for yourself or for someone else? You may need to get a copy of your own records when traveling, applying for certain jobs, or simply because you want to see what is listed on your record. You should always check the criminal records of anyone you are considering hiring for childcare purposes. Many employers and landlords check criminal records of applicants as well. If you are a single person dating online, and are thinking of meeting someone in real life that you met on the Internet, a criminal check can let you know if this is a safe idea or not.

There are various ways to obtain criminal records. If you are trying to get your own records, you can request them at your local police station. At the very least, they can give you the proper forms and tell you where to mail them and how much obtaining a copy of the records is going to cost. It is usually around $15 but may vary according to locality.

If you’ve ever been a victim of identity theft, checking your criminal record is a must to make sure there is nothing on there that shouldn’t be. If you are having trouble obtaining the records you need for yourself or someone else from a local agency, the Internet can be a great help!

There are lots of companies online like http://www.familywatchdog.us and http://www.intelius.com that can obtain criminal arrest records for you or anyone else for a reasonable fee. You will need to provide as much information as you can in order to get accurate records. Name, address, email and phone number are all good things to have. The Social Security Number is the absolute best piece of data to use when you are requesting any sort of criminal or background check.

Thanks to the Internet, you never have to wonder about someone’s criminal or arrest record. It is definitely worth paying a little bit of money to have the peace of mind you need. If your Internet search fails to provide you with the information you’re seeking, a private investigator can certainly do the job for a more expensive price.

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