How Safe Are Your Funds?

It’s not common; however, there have been cases where an unfortunate client discovers far too late that their funds have not been used as directed. In a few cases, the funds have disappeared entirely leaving the client to face debt, potentially poor credit, and a long battle ahead.

I was reading into a case from 2005, in which it was reported that a woman had found that her accounting firm had not paid off her mortgage or equity loan when selling her house. During an important transitional time, she was ignored when she tried to reach out to the team she trusted to help her sell her home. With no other options, she was driven to take the situation to the police, who arrested her accountant for larceny and conspiracy to commit larceny.

According to the article, this could have been something as simple as “poor record keeping”; however, when we entrust our most personal matters in the hands of another who we believe to be qualified and professional, we feel secure in the thought that they will take good care of our funds and personal documents. Realistically, we are taking a big risk that could potentially have a disastrous outcome leaving us to face a financial nightmare on our own.

Professionals who defraud their clients are undoubtedly bad apples, and hopefully, you never find yourself in the position of being victimized by one. But, if you do, you likely feel like it’s all uphill from here, which without someone to fight back for you, it will be. If I were in these shoes, I know my trust would be shattered and it would take some time to rebuild my confidence in any professional that dealt with my money in the future.

You do not have to go through this unsettling experience alone. A good attorney can help you get the money back that was taken from you, as well as compensation for any of your pain and suffering caused by a financial crisis due to lack of funds. It is important that you use all of your resources available to find a law firm that will fight for your rights and demand justice for you and your loved ones.

The person in the article I spoke of earlier cannot get her money back, however, it has taught me a lesson. If this situation or a similar one were to occur to myself or a loved one, I would do my research for a fair and just legal representative. Even a quick search turns up great firms, such as Hach & Rose, LLP, who have over a century of combined experience and lots of great reviews.

It’s important to do your research to take care of potential downfalls like the ones I mentioned above. Taking the time to find a well-established law firm with an impeccable record is always worth the effort to truly trust who you are working with.

Looking for a Lawyer About Children’s Toys

Who do I talk to about unsafe products? I think I need a lawyer but I’m just not sure where to look, so I’m asking around here just to see if anyone out there can point me in the right direction.

I have a toddler, his name is Jeremy, and he’s a clever boy, just absolutely incredible. I don’t want to gush about him, I just want to lay out right here at the top that this was not his fault, and I don’t believe it was mine either.

Anyway, I bought him a toy recently that was designed for two and under. I don’t want to mention the brand or the toy because I don’t know if I can be sued for posting on here, but the toy was a sort of talking figure where you press and button and it says catchphrases. You’ve seen the kind I’m talking about.

I gave it to Jeremy and not five minutes went by before a piece came off and got lodged in his throat. For the scariest thirty seconds of my life, I struggled to get that stupid piece out of his throat. I did finally, but I was so worried that he’d suffered something like brain damage from the lack of oxygen, I spent three hours in the emergency room.

He’s fine. They said the piece only partly obstructed his breathing and I got it out quickly enough, but now I’ve got a big emergency room bill coming my way, and I don’t think I should have to pay it.

I think the toy maker should pay it and then some.

So who do I contact? I’ve found a lawyer at the Crowe and Mulvey Law Firm who deals with unsafe products, but it’s related to deaths. Should I contact them anyway and see if they will take the case? Or should I find someone specifically who deals with accidents but not deaths?

By the way, I want to make it clear that I’m not looking for a big cash payout or something. I hate people who sue for absolutely no reason. I want to make sure I get my money back for the emergency room, and I want them to take the product off the shelf so no one else has an accident. I’m not naive enough to think a call to their complaint line will get results on either of those points. I need a lawyer who will at least threaten to sue if nothing else.

But, again, I don’t know who to ask. And I’m afraid I’ll end up with a lawyer’s bill on top of my medical bills, which is the last thing I need.

So does anyone have any recommendations? Anyone know a trustworthy lawyer who doesn’t charge too much for these sorts of things.

Please remember, there could be kids’ lives at stake, so get back to me as soon as possible. I’m happy to share more detailed information about the even privately.

Why Obtaining Social Security Disability Can Be Difficult

When applying for Social Security disability, it is important to know that it is not a simple and easy process. Most people who apply for these benefits, with physical or mental limitations, find that this process is more stressful due to their limitations. The disability process includes filing an application, and most applications are denied at this level. Then there is the reconsideration level and hearing level.

If you try to ask questions about how the social security disability process works, it can be difficult to get those answers right away. The claims representatives process your claims and can ask basic questions, but there are disability examiners that make the decisions on your claim. You may be in contact with such an examiner to discuss your work history, daily living activities, and your medical history.

Why is the process so time-consuming? The Social Security uses a very distinct definition of disability. It is not enough for have a certain percentage loss-of-function or to lose the ability to return to a job. The individual must have a severe medically determinable impairment (either mental, physical or both), which needs to last for one full year or longer. Secondly, the condition needs to be severe enough that it impacts normal daily activities and interferes with the ability to do basic work activities.

Furthermore, when the applicant for Social Security disability benefits supplies medical physician and clinic information, Social Security then sends out letters to those physicians and clinics, asking for specific information related to the claimant. The address and other contact information that you supply to Social Security needs to be accurate, or it could cause a significant delay in your case.

Additionally, it is important for you to supply a complete and detailed work history during your interview for disability benefits. It is best to write down this work history before your appointment so that you don’t forget or accidentally omit anything in error.

Typically, if your limitations don’t rule out the ability to return to your former work, you may be denied on this basis. If limitations prevent you to return to your former job, you will move to a final step – determining whether you have education and skills to possibly perform any other work. If your condition is severe enough where you cannot do your previous work or any work that relies on their education and job skills, you will most likely meet requirements for disability.

Decisions regarding disability claims can take between 90-120 days, or longer, from the time that you apply for benefits. It is best not to get discouraged, as the denial rate for initial and reconsideration applications tends to be somewhat higher than you’d expect. However, going through the reconsideration phase allows you to get the hearing, and this phase may get you the approval that you need. Due to the length and complex issues surrounding the application process, it is highly recommended to seek out attorney representation, as he or she can handle all necessary paperwork and be able to advocate for you.

Avoiding Investment Fraud

When you have decided to invest your money, you are making a significant decision about your finances. There are many inherent risks that come with investing, but there is also the chance of a significant return, which encourages many individuals and businesses to continue investing. This is a serious decision that can have an important outcome in an individual’s financial well-being. For this reason, many people choose to work with investment brokers or another financial professional, who have the knowledge and expertise to help them make smart investing choices. Although many brokers really do work for the benefit of their client, some also take advantage of their position and make money at their client’s expense.

According to the FBI, investment fraud is defined as “the illegal sale or purported sale of financial instruments.” This refers to any sale made with an investment broker or another financial assistant that does not have any legal standing or does not intend to help the client receive any money in return. These schemes can usually be identified if the terms of the investment seem too good to be true. Some examples of these include:

  • Offers of low or no risk investments
  • Guaranteed returns
  • Overly-consistent returns
  • Complex strategies
  • Unregistered securities  

Although it may seem difficult to identify these factors on your own, the U.S. Security and Exchange Commission notes a number of ways you can protect yourself from entering into a fraudulent scheme. Some of the best steps you can take include:

  • Asking questions: make sure to do your research before entering into any kind of investment. The information you find will help you determine if it is a legitimate offer
  • Getting to know the salesperson: look into the individual’s licensing and credibility as well as the firm’s history with investments
  • Being wary of unsolicited offers: companies that reach out to you to invest in them may be looking to take money from unaware investors. You should always look at a company’s financial history before choosing to invest

Each of these strategies requires you to do extra work before you invest, but this is the best way to keep yourself from entering into a fraudulent operation.

Protecting your financial interests is an essential part of being financially stable in this uncertain economy. With the prevalence of scammers growing in all different areas, you can never be too careful about where you are sending or spending your money. Although it is certainly easier to hope for the best when investing, this is not a safe or smart choice to make. This is an important decision that you must take time to think through

If you believe you have already entered into a fraudulent investment, however, you are not alone. An investment fraud attorney can help you take the appropriate steps to get your money back and stop the firm or broker at fault. It may be a difficult road, but these attorneys are prepared to help you understand your rights and take back the money you have lost.

Drunk Driving Accidents: Causal Factors

The worst car accidents are those that involve preventable errors. This is especially true on cases where the errors have been done because of recklessness or utter negligence. They become even more tragic if an innocent party has been involved and hurt.

One of the best examples here is drunk driving. Drunk drivers often cause accidents, even though it is fairly easy to avoid the practice. There are instances where they crash on their own or collide with other unsuspecting motorists and pedestrians.

According to the website of Hach & Rose, LLP, those who have been involved in auto accidents caused by drunk drivers may have legal options. This can be a nice way to prevent drunk driving accidents, but sadly, they still happen. Below are the most common causal factors that surround them.

Reckless or Negligent Driving

The most obvious factor is reckless or negligent drivers, because of course, they are the ones controlling the vehicles. Alcohol can negatively impact their driving, resulting into accidents, and worse, deaths of innocent parties.

There are only two ways to avoid this factor – by making the car inaccessible or getting a designated driver. If drivers cannot control themselves, it is better to leave the car at home and take public transportation. If they already have the car with them, they can get a friend to drive them home.

Dram Shop Liability

The website of Clawson & Staubes, LLC: Injury Group has mentioned that licensed commercial establishments who overserve alcoholic beverages to their customers may be held accountable if an alcohol-related accident occurs.

When you think about it, these establishments should not be the only ones limiting alcohol serving, but also private individuals organizing house parties and the like. Saying no to a customer or a friend is sometimes the only way to prevent injuries and deaths.

Law Enforcement

It can also be said that drunk drivers are still on the roads because of confidence that they will not get caught. This means that the law against drunk driving is not enforced enough to deter individuals from even trying driving while under the influence of alcohol.

The best way for the local government to show how serious they are against drunk driving is by tightening law enforcement. Prioritize drunk driving cases in court. Set up sobriety points near dram shops, freeways, and other strategic locations. They can also create drunk driving programs to spread awareness.

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