6 Key Questions to Ask Before You Hire a Forclosure Attorney

The 2008 financial crash put a lot of people out of work. It hurt business owners, emptied personal savings, destroyed American home values and lead to massive foreclosures.

What Many Homeowners Don’t Know

The crony network of big banks, financial institutions, government, politicians, the courts, and their corporately owned media have used propaganda, lies and spin doctors to convince Americans that naïve and greedy homeowners crashed the global credit markets in 2008.

They blamed the crash and current economic chaos on homeowners who bought too much house. Yes, some mortgagers made some people believe they could buy more home then they could afford. However, the blame here is often misleading.

Why? Obscene broker commissions were a big part of originating mortgages. Banks were on a tear to bundle, securitize, sell and re-sell mortgages. It lead to irregular mortgage practices.

The bigger truth has been revealed that there are no mortgages to back the mortgage-backed securities. Thus former treasury secretary Hank Paulson told taxpayers, “We must bail the banks out, or else everything will collapse.”

Iceland Let Their Banks Collapse

In fact, Iceland arrested the financial offenders and put in actual safeguards to restore the capital markets and consumer confidence. We in America got the toothless Dodd-Frank bill that makes it appear legislators are minding the store.

Banking and the financial industry needed major reforms. Instead, after the Wall Street financial crash our American banks actually got 38% BIGGER!

Too Big to Fail and Too Big to Jail

Today banks are bigger than before the economic crash and the Dodd-Frank bill does nothing significant to keep Wall Street from trashing the economy again.

Insanity is doing the same thing you’ve been doing but expecting a different result.

Fast forward and today, these quasi-patriotic cronies continue the lies and prop up the fraud on the taxpayer’s dime. They brazenly continue to cover up their partners’ crimes while still receiving a massive transfer of wealth from taxpayers without impunity.

Can You Name One Banker That Went to Jail?

By the way, in 2008 that 800 billion dollar bail out has turned into trillions out the back door of the Federal Reserve straight into bank coufers.

What few Americans realize is that crony capitalists who fleeced institutional investors out of $17+ Trillion, clouded the title on all the mortgages they originated and supposedly sold on the secondary market.

They stole our pension money, wiped out savings and now they’re still after your home. In fact, more than 4.9 million homeowners were foreclosed since the Wall Street crash and there’s more on the way.

American’s need help staying in their home. If the banks and servicers won’t deliver then where do homeowners turn for guidance through this financial maze of fraud and corruption?

Many are programmed to think, “Lawyer, that’s what I need to stand up for me, to sort out the fraud, to keep my family from being kicked into the streets.”

Are Lawyers Best Suited to Standup For Homeowners?

As Americans we’ve been conditioned to believe that the only people who can help us navigate, legal matters are lawmakers and attorneys. Fortunately, in the realm of foreclosure law, there are a few good ones.

However, when it comes to ferreting out truth or fraud in your foreclosure, few attorneys (Real Estate attorneys included) are equipped or have any desire to fight as hard as a regular educated homeowner.

It’s a fact that no one will ever care more about saving your home than you. If staying in your home is not all that important, then most attorneys will do. But buyers beware.

How Do You Choose the Right Lawyer in Foreclosure Matters?

I’ve personally talked with hundreds upon hundreds of homeowners all across America who routinely pay from $1,000 to $30,000+ in attorney’s fees plus monthly retainers and still loose their home. This is more common than you’d think.

I ask homeowners, “What was the attorneys strategy? Was it to help you buy time until you are evicted or actually stay in your home?”

Many homeowners had not thought the end game through. How often do we hire attorneys? There are no Consumer Reports on America’s best foreclosure strategies, fighting bank fraud or attorneys.

Most Americans are busy trying to make a living, caring for loved ones, keeping their heads above water and would rather avoid the legal realms. Who can blame them?

So, unless new information is introduced it makes perfect sense that many homeowners don’t know what to ask to hire an attorney or figure out what makes one effective over the next.

When it comes to defending your home, the following basic questions will get most homeowners started.

The following six questions came from an interview with Justin James. He is the founder of The Foreclosure Relief Network, a company dedicated to helping homeowners stand up for their legal rights.

The company with its network of private investigators, paralegals and law firm was developed to educate and arm the American consumer with the information necessary to protect families and property against the unlawful actions of banks.

Mr. James emphasizes that “Every homeowner who suspects mortgage fraud or are in foreclosure or about to be, needs to be educated.

They need to know upfront if an attorney will work on your behalf or instead see you as a tool to collect fees while they stall things off in court. By asking these basic but key questions, this is knowable.”

You want to interview an attorney just like you would choose a doctor, dentist, CPA or a contractor to work on your home. You want a good fit.

Write Your Questions Down

Mr. James suggests that before you phone or visit an attorney in person, have your questions written down and refer to them.

6 Key Questions to Ask Before You Hire an Attorney to Get a Modification or Defend Your Home Against Banks

  1. Do you feel that the banks and their servicers commit mortgage security and/or foreclosure fraud? (Yes) Correct answer.
  2. Do you believe that if a bank shows up with a piece of paper that alleges it’s the original Note-do you still believe there’s a chance of winning court? (Yes)
  3. Are you willing to challenge the banks claim of ownership of the note, mortgage, chain of title, etc.? (Yes)
  4. Are you willing to cross exam a witnesses? (Yes)
  5. Will you challenge and call a robo-signer as a witness? (Yes)
  6. Are you willing to be that attorney at the party that went up against the big bankers or challenged a court that seems to lean in favor of big banks? (Yes)

If you get so much as one “no” to the above questions then be aware, your situation may be at cross-purposes with this particular attorney.

To the few that are actually competent and not bluffing their way into your back pocket, these basic but telling questions are not difficult to answer.

Other than the details of your situation, each question does not require you as homeowner to expound any further. Either they know it or they don’t. Either they believe banks can do no wrong or believe in justice for homeowners.

When to Walk Away

Bottom line is that if the attorney interviewed is…

  • Not comfortable breaking down your chain of title if necessary
  • Does not believe the bank is ever wrong about a note or mortgage
  • Not willing to challenge the bank or the courts
  • Not willing to cross examine a witness…

Then why are you there? Why should they take your money? Don’t give them a dime Pack your bags and find another attorney or other expert to interview. Consider…

Who’s Paying Your Bill?

You are paying the attorney for a service. You wouldn’t go into a car dealership and say…

“I’ve got $400 a month to spend on a vehicle. Just give me whatever you got to drive.”

You’d be surprised how many people would accept poor treatment when it comes to attorneys. Why?

Because some homeowners are intimated and think, the lawyer knows more. That’s usually true about civil law matters. That’s when a good educated attorney makes sense.

But when it comes to foreclosure, commercial law and challenging the banks-think again. I would challenge you to think outside the box.

Defend Yourself? Really?

Others will say, “YES BUT you can’t defend yourself against fraud or a foreclosing bank. You must have an attorney.” Many homeowners felt that way in the beginning. However…

We now know plenty of average homeowners who’ve been educated and succeeded with the guidance of companies like The Foreclosure Relief Network.

But, what few homeowners at first realize is that attorneys are not traditionally schooled in banking and finance.

In fact, I’ve interviewed some well informed average homeowners who educate their attorneys.

You Deserve to Know What You are Getting for Your Time and Money

If your prospective attorney is the real deal, they will understand your need to interview. That’s why it’s important to know…

  • What does the attorney actually believe about banks and foreclosure?
  • Make them lay their cards on the table. Time is of essence.

You simply want to insure that you are investing your energy and money wisely into a winning strategy and NOT prolonging what many attorneys feel is an inevitable foreclosure.

It’s a little known fact that if you, as a homeowner are educated and have a complete and correct strategy then foreclosure is NOT always inevitable.

Follow The Money

If you hire an attorney that did not adequately answer these questions, then be advised you, your family and your home may be taken for a professional ride.

According to Mr. James extensive experience with homeowners, banks and courts across America, rare is the attorney who will answer your call, who will fight banks on behalf of your homeowner and constitutional rights.

Most attorneys will not intentionally do you harm because they genuinely believe what they believe. That banks can do no wrong is just part of their many years of education and training.

As important, attorneys take an oath to protect corporations. It’s what they do.

That said… put yourself in the attorney’s shoes for just a minute. They have a lot of competition. A title, though impressive is no guarantee of success. They are businessmen and women and for many economic times are tough like many homeowners.

Yes, attorneys enjoy a measure of prestige but that doesn’t pay the bills. Like you and I, they have to make a living or find a way to survive. Just make sure it’s not at your expense.

Who Has More Money? Influence?

A homeowner called Mr. James and was livid because he spent over $7,500 on an attorney who believed that his counsel had defected to the bank side.

Even with documented fraud (common today) as the centerpiece of his defense against the bank, this homeowner lost his home.

The homeowner asks, “Who’s got more money here? The Big American Bank or me as homeowner?”

Do you think you’ll ever see this homeowner’s story on the evening news? It’s not likely. Remember who owns and controls media, advertising and reporting.

Of course I don’t expect you to believe any of this. Check it out for yourself.

Bank Walks Away

Speaking of a good homeowner story, while working on this article one of Mr. James clients called about Quiet Title action which forces a bank to produce valid documents.

The banks have to prove they have ownership before they can foreclose. In today’s heavily securtized financial system that’s more and more difficult for banks to validate unless they manufacture documents from thin air. This is known as robo-signing and yes, it’s illegal.

Gary is out of the Midwest. He applied several times for a modification and then found himself in foreclosure. He suspected bank fraud. Gary began looking and found a young and hungry attorney out of law school.

The attorney had not yet adopted “a bank can do no wrong” attitude. However, the first hurdle was overcoming this attorney’s lack of knowledge on foreclosure fraud, banking and securitization, etc.

Remember few attorneys have this profound knowledge, seek it out or even believe it’s possible to help a homeowner to win. It’s not taught in law school.

To compensate, Gary began working with Mr. James to gain the education, knowledge, legal templates and strategies. This also saved him thousands of dollars in attorney’s research fees.

Gary reported that his homework paid off and the bank walked away. Finding a lawyer willing to listen was the exception in this case. However, keep in mind that…

The Courts Are Available to All Homeowners

Remember, you as an American citizen have constitutional rights.

An attorney is not the only way to stand your ground against bad behaving banks. In fact there are far more effective strategies homeowners can and do take every day.

The majority of homeowners do not realize that with the right kind of education they can in fact represent themselves in court. It’s referred to as Pro Se’, a petitioner or simply an American citizen. Often it’s an effective option. Here’s why.

The fact is that the courts cannot hold a regular homeowner to the same standard as they do lawyers. It turns out that with an effective strategy, presented properly, defending yourself against banks often leads to settlements.

Mr. James reports that he sees it everyday and as the courts become more educated, the tides are shifting in favor of homeowners.

Some homeowners combine the idea of Pro Se’ (without an attorney) along with private mortgage investigations to uncover irregularities that stop foreclosures.

Bottom Line-Trust Your Gut

Remind yourself that if your home is worth defending then no one will ever fight for your home like you can.

After interviewing the attorney, if you can’t say yes, then SAY NO FOR NOW.

Keep looking. If the attorney doesn’t feel right-move on. There are viable alternatives. Do your homework.

Finally, if you have a compelling enough why and are willing to do a little legwork, then there are resources that can help you to learn how to stay in your home and prevail even without an attorney.

What Is the Best Way to Search for a Workers Compensation Attorney?

Looking for the right Workers’ Compensation Attorney that will be a good fit for you takes time. You should look for one that is experienced in personal injury, specifically, workers’ compensation cases. If you were injured at work, the first thing you should do is report the accident to your employer and then start looking for an attorney.

Once you have reported the accident, you should be seen by a doctor, whether it is at the hospital or in a doctor’s office. You should tell the treating doctor that you were injured at work so that it is documented. Your physician may set up a treatment plan, depending upon the extent of your injury.

Successful Search for the Workers’ Compensation Attorney:

The following guideline should help you find the right Workers’ Compensation Attorney in Massachusetts:

1. Start by calling the Massachusetts Bar Association’s toll free number and asking them for a Lawyer that specializes in Workers’ Compensation in your area.

2. You should then follow-up by searching the names provided online to determine if they concentrate their practice in workers’ compensation. If you are not satisfied with the results, then you may try conducting your own online search.

After reviewing the attorneys’ area of expertise provided by your online search, the next question you may consider is should you hire an attorney from a small or large firm?

3. There are pros and cons to hiring a small or large law firm. It is a personal choice or preference as to which size firm you would feel more comfortable with. A lot of reviews state that hiring an attorney from a small firm is more preferable as they may have more time available to spend on your case. You may also consider asking your family, friends or co-workers for a recommendation although you should confirm that the attorney’s practice specializes in workers’ compensation.

4. It will take some time reviewing the various attorney’s websites. You should also consider looking beyond the first page of your online search. It is very expensive to be listed on the first page which means that most of the names will be from very large law firms since they have an extensive advertising budget. More than likely, they will pass your case onto one of the less experienced attorneys to handle.

Therefore, considering a firm on the second or third page may get you more individualized attention with greater experience.

5. The last step would be to set up a free consultation either by phone or in person to see if they are a good fit for you and your case. You will then have enough information to make an informed decision.

Investing the time to find the right Massachusetts Workers Compensation Attorney will be worth it in the long run and may make the difference in the outcome of your case.

A Slip and Fall Attorney Can Help You Recover Financially!

When a slip and fall injury occurs, a skilled attorney representing you is your best resource to negotiate on your behalf.

Often, one may not understand the severity of a slip and fall injury, until weeks pass by. You may start feeling pain in the spinal cord or a paralyzing sensation in the lower back after a few days which could turn into a serious injury.

Eventually, if proper medical attention is not given, it may turn into a disability. Other problems may also arise, as the entire nervous system is controlled by the spine and the nerves in turn, control the body.

Finding medical help should be your priority. You should see your primary care doctor for an evaluation. They, in turn, should be able to refer you to a specialist, such as a chiropractor, orthopaedic or physical therapist. Recovering financially from a slip and fall may be more difficult if you are not able to work. The medical expenses incurred may also be significant depending upon the severity of your injury.

Thus, a slip and fall attorney may be the best person to help you recover financially if someone’s negligence is responsible for your injury.

Why Does One Need a Lawyer?

If a business or premise owner is responsible for the defect which caused the accident, their insurance company will have legal counsel representing them. Without an attorney representing your interests, it will be difficult for you to prevail.

Often a slip and fall is considered a personal injury claim. In this situation, a personal injury attorney would also be of great help. In cases where an employee might slip and fall while working on the premises due to negligence on the owner’s part, a workers’ compensation attorney would handle the case.

Should you be injured in a slip and fall accident, contacting a qualified personal injury lawyer would be the best action to take. Your lawyer is the best resource one could have to work with the insurance company and bring this matter to resolution. This results in receiving fair and timely compensation for the injuries as well as lost wages that may have occurred.

Things You Should Know About the Lawyers

• Slip and fall attorneys are experienced in many different types of slip and fall cases. You should find a lawyer who has experience in these types of cases.

• The lawyer you select should negotiate the best settlement possible based on your injury.

Hiring the Right Real Estate Attorney

Investing in property is a very important decision in one’s life. You are going to invest all your savings, in some cases a hefty loan, into buying a property that you will cherish for the rest of your life. You won’t want to spend that money buying something that’s not worthwhile. Getting cheated is often possible especially when you are involved with investments. Even if you are not really cheated with the property, you can always be cheated while signing an agreement or making that buying decision. You could be asked to agree to clauses that are not legal or, something like that. It is always good to hire a real estate law firm who would give you the perfect legal advice in such cases. After all when you are investing a lot of money buying a property, investing a small amount in an attorney is good idea to protect the legal issues. When hiring a law firm or its attorney, there are some aspects that you should not ignore. Here’s how you select the right real estate attorney for your property related investment.

Referrals or Relationships

A good real estate attorney could be realized with good relations. Probably when you dealt with a law firm in your last dealing, you made good relations with them. This would help you in your current dealing as well. But, if not then try to get some good references. Your neighbour, your relative or, your best friend could have hired a real estate law firm in the past when selling or buying a property. You can ask them about it and, get a real good deal. Hiring a real estate law firm from references or past deals makes sense as you get the right attorney. Remember, its about your property and the legalities of that property. So, you need to make the right choice in here.

From the Bar Association

If you have none of the above mentioned sources, you could probably contact the bar association in your state for help in the same. They can provide you with a list of attorneys who deal with real estate on a daily basis. In fact, you can even come up with listings of law firm dealing in real estate. Both of these together make up for a good research and comparison. You can ask people around you and, do some research before choosing the right attorney.

Consult your List

Once you have come up with a list of attorneys, you can probably consult a few of them personally. These personal meetings can help you understand if they have the right experience and talent to get you through your property dealing. You can even seek some legal advice during these consultations. If you feel the attorney suits you, you can close the deal with him and hire him straight away.

Legal part in property matters is very important. So, make sure you spend enough time and money in hiring the right attorney.

Choosing The Right DUI Attorney

Getting involved in a DUI (Driving under Influence) or DWI (Driving while intoxicated) case can create quite an unpleasant scenario for you. When you are involved in this messy case, the only person who will be able to get you out of this mess is an experienced DUI attorney. When you are charged in DUI case, you will be required to pay an exorbitant amount towards fine. You will also be asked to attend training programs, alcoholic anonymous awareness sessions, and mandatory treatments and more – all of which can cost you a bomb.

If the accident has resulted in any death/deaths, you could be jailed as well. Therefore, being charged with a DUI case can be quite frightening and upsetting at the same time. This is why it is very important to choose the right criminal defence lawyer. Here are some points that you have to bear in mind while choosing one:

1. Start off the initial discussion with experienced potential attorneys

Check for the potential DUI attorneys in your locality by checking with local references. Get in touch with your friends who have previously availed the services of a DUI attorney for good leads. You can also check in groups like your respective state’s Bar Association, Association of Criminal Defense Attorneys in your area and the like. Choose a group of potential attorneys from these and have personal discussions with them to understand if they have represented any DUI/DWI cases previously in the court, their approach to work, success rate, fees and their overall professionalism & experience.

2. Local expertise

Choose an attorney who has ample knowledge about the local laws and regulations. He should have the license to operate in your state. This way, your attorney will be available whenever the judge announces the date of hearing of your case. Also, if your DUI attorney is quite famous enjoys a good reputation in your locality it can work to your benefit and help you get a reduced fine or sentence.

3. Honesty and transparency

When you are involved in DUI or DWI cases, you must know that the chances of you coming out unscathed (emotionally and financially) out of it are almost impossible. Hence, choose an attorney who is quite honest about your case and who keeps you prepared about the huge financial losses that you would have to experience at the end of the case. Fatal accidents guarantee you a jail sentence, and your lawyer should be brutally honest with you about that as well. Stay away from lawyers who promise to get you out of the DUI case, without a scratch.

4. Payment terms

DUI lawyers do charge you a hefty sum, but this is because they try to minimise your punishment and sentence as much as they can. Therefore, choose a DUI attorney, who spells out his payment terms clearly right during the first discussion, the instalments in which he expects them and the mode of payment preferred. Get these terms in writing, so that you don’t have to deal with unpleasant surprises in the form of hidden charges, later on.

New Jersey Attorney Ethics Investigations – The "Ten-Day Letter"

You have just received a “ten day” letter from the NJ Attorney Ethics Committee. Someone has filed a grievance against you, and you are now a respondent in an Ethics matter. A person identifying herself as an Investigator for the Attorney Ethics Committee has given you ten days in which to reply in writing and to provide certain records and documents. Perhaps the grievant was a client or a former client. Perhaps it was an adversary. Hopefully, it was not a judge. You are instructed to cooperate with the investigation.

At this point, you should review your E & O coverage, specifically the notice requirements and terms of coverage. As required, advise your E & O carrier of the pending investigation. Not only may they provide counsel for you in an appropriate case, but your failure to advise them may result in forfeiture of coverage in a potential malpractice suit down the line. With or without insurance, you don’t have much time to respond Ethics.

Intuition says you should exercise your right to remain silent; practice tells you to try to forestall the investigation. Should you cooperate with your prosecutors? Suppose you believe that your documents may actually result in the filing of criminal charges against you? What if the investigator asks you questions whose truthful answers would be an admission of crime. Can they make you testify? What can they do if you don’t? What about the Fifth Amendment?

There are a few facts you should know. The Office of Attorney Ethics (OAE), under the state Supreme Court, is responsible for attorney discipline in New Jersey. It investigates all grievances against all attorneys. If the OAE decides that your case requires immediate attention, or if you happen also to be a defendant in criminal proceedings, the ethics case may be handled directly by the OAE in Trenton. In such a case, the Investigator who contacted you is probably a paid professional. Sometimes, the case originates “automatically” when an Attorney Trust Account check bounces. Those cases, too, are generally handled out of Trenton. It is not often clear from the first letter or phone call.

Most grievances, however, are investigated by the District Ethics Committees, (DEC), whose investigators are attorney volunteers in districts around the state. Following its investigation, the DEC will determine whether discipline may be required. If so, a formal Complaint will be filed. Other times, the grievance is dismissed. Sometimes, in minor cases, you may be offered diversion, a non-disciplinary, conditional resolution of the case. In all cases, you ultimately have the right to a full evidentiary hearing on the charges.

It is important that you know that the OAE has the power to summarily suspend your license merely for your refusal to respond to respond to the ten-day letter. Usually, you will be given a few extra days to comply, if you need them, but your additional or continued failure to cooperate with the investigation (or even the mere appearance of such) can result in additional measures against you, including, in appropriate cases, summary disbarment. While the Ethics Committee cannot put you in jail, it can do something that the criminal courts cannot: it may penalize you for “pleading the fifth”. Unlike the trier of fact in a criminal case, an Ethics Committee Hearing Panel and the rest of the OAE, and even the Supreme Court, may draw a negative inference from your non-cooperation or your failure to appear or produce evidence or from your refusal to testify.

That is because there is no Constitutional, or even statutory right, to practice law – there only a license, not unlike a driver’s license. Where a trade or profession must be regulated by the state, and the practitioners must be licensed, the state may impose conditions and restrictions on that license. Accused violators do not get a jury, and the standard of proof is “clear and convincing,” not the Constitution’s “no reasonable doubt” standard.

Of course, if your ethics case also involves (or may involve) criminal charges against you or your client or someone in your firm, consult immediately with an attorney who has appropriate expertise. The issues are complex, the stakes are high, and there is no standard approach.

New Jersey Attorney Ethics decisions invariably give credit to attorneys who cooperate fully with investigations against them. They generally discipline attorneys who don’t. While you should always have experienced counsel whenever you are the focus of an ethics grievance, if you wish to continue to practice law, cooperation with Ethics is a no-brainer.

Why Hire A Child Support Attorney?

Receiving or paying for child support can be a tedious overwhelming process regardless of where you are or where you live. Every state has a set of regulations and rules over the filing and payment process not forgetting where to source for help. In as much as the local child support enforcement office can help you out with the process, you might find it helpful to use the services of a child support attorney. Here’s how he might help.

  • The lawyer will assist you, the non-custodial parent, to navigate the process by acting as a third party. This is considering that the procedure can be very stressful.
  • The attorney offers you peace of mind since you will know that your interests are safe. He will answer the case questions, file the paperwork and identify instances where additional actions are required to turn the case in your favor.
  • The child support attorney helps in ensuring that your children are well provided for. Adequate financial support is important for the growing children even in cases where a divorce is taking place. They will have all the basic needs catered to including clothing, school and food which can be hard for a single parent to handle especially with an insufficient income. The rights of the children will be given priority by your attorney.
  • He ensures the payments arrive right on time to take care of the needs. The payments can bring about contentious matters, but when working with a professional lawyer, you can be sure that the right steps will be followed to make sure that they always arrive on time. It is a simple way of ensuring that the children’s needs are met without delays to help them adapt to the changes without too many problems.
  • The lawyer works on the needed paperwork ensuring that the filing is done correctly and in a timely manner. It is most important since cases have a tendency of encountering lags when the paperwork is not done properly or if there is an error in the work.
  • Through your attorney, you will have all the information you need on pressing questions such as where the children are going to live, if a parent can move with them out of the state, visitation rights, parental rights, who pays for medical bills and health insurance and who pays child support and whether it will increase over time.

When looking for the best child support attorney to handle your disputes and modification needs, it is important to look for qualified trained and licensed professionals. Experience and success rates in the field can give you the assurance you need that you are hiring the right person for the job. You won’t have to worry about the complications that usually arise with support cases and filing with a good lawyer at hand. A simple background check on a few of your local reputable attorneys will help you with the decision making process.

Selecting a Divorce Attorney

Selecting a divorce attorney is a critical decision making process. The person who you hire will be responsible for obtaining or maintaining your custody rights to your children, your property interests, and depending upon the side you are one, either minimizing or maximizing your support rights.

In reality, selecting a divorce attorney is also an incredibly stressful experience. Do it right and you can breath easy. Do it wrong and you will spend years making up for losses that might have been prevented.

There are a few tried and true tactics that you should be using when you select a divorce attorney. Before you even begin, you need to identify the type of case that you will be involved in. Will you be mediating your divorce? Will you be negotiating? Or, will your case be one of those cases that goes to court and becomes a knock down, drag out divorce litigation?

There are divorce attorneys who specialize in these different types of cases and you need to hire the type of divorce attorney who is best suited to the type of case that you have. If you need to deal with a knock down, drag out litigation, you do not want a mediation attorney trying to protect your interests. Likewise, if you are going through mediation, the last thing you want is a divorce attorney who will try to create issues and move you towards litigation.

So, step one in the process of selecting a divorce attorney is to identify the type of case that you have. Next, start asking people for help. Since the divorce rate in the United States is at about 50%, chances are you know at least several people who have been through a divorce. Ask about their process, how they selected a divorce

attorney, and how their attorney performed for them.

AFter you have received the names of several divorce attorneys that you received from asking other people, go online and start researching those attorneys and others. Many divorce attorneys have websites, write articles, and advertise on divorce portal websites. You can get quite a bit of information about how an attorney approaches cases and treats clients by reviewing their website.

After you have reviewed the divorce attorney websites, make a list of at least two and as many as five divorce attorneys who you think you will be comfortable speaking with. Call the offices of those divorce attorneys and schedule consultations. Some of those attorneys will charge you for a consultation; the more experience the attorney has, the more likely that you will have to pay for time with that attorney.

When you attend a consultation with a divorce attorney, be prepared. Make an outline of the history of your marriage and the problems facing you now. If you or your spouse has filed any papers in court, make sure you bring them with you. Bring one or two years tax returns or a recent financial statement so that the divorce attorney can review some of your financial data before being asked questions about “results”.

Make sure you ask each divorce attorney questions about how that attorney’s office operates in response to client phone calls, emails, or other inquiries or needs. If you will be working with a divorce attorney who has no other attorney in their office, be prepared to wait in line when you have a need for a response. That attorney will have other clients who have needs just as significant as yours, and an attorney can be responsive to only one client at a time. Even with that drawback, there may be a divorce attorney who you feel is just right for you who is also a solo practitioner. That is a trade off that you may have to get comfortable with.

After you have completed all of the consultations and reviewed the answers to all of your questions, decide which divorce attorney you felt most comfortable with and which one you believe will work with you to get the type of results that you want.results that you want.

HOA Attorney Job Description

This type of attorney is the one that represents and advises the homeowner’s association board members on many different matters regarding property rights and contracts. A HOA attorney is generally in charge of drafting the community rules so that they comply with the governing law. They will also provide broad advice to the members of the association about organizational structure and leadership responsibilities and helping to enforce the rules against the homeowners. A HOA attorney can also represent the association if there are any lawsuits filed and advises the residents and board members about their rights under law.

This law is a very specific branch of property law, which is important to the maintenance and creation of a system of ownership. These property laws can help to guide the buying and selling of property. Property laws sorts out the power that the association can control and setting the parameters as to how that power can be executed. When the community agrees to abide by a set of uniform rules they are enforced by the homeowner’s association board, which is generally filled by election and made of individual residents of the community.

Because this board is like a quasi-legal entity that has its own insulated rules it is very important that the homeowner’s association board has legal representation to ensure that all of the actions it takes complies with the governing laws. It will be the job of the HOA attorney to represent the homeowner’s association board. The HOA attorney’s job focuses primarily on advising by helping them to review and update the rules so they are not violating any governing laws.

Other jobs that a HOA attorney might do can include:

• Enforcing the rules against any homeowner who is not in compliance by contacting the homeowner to explain the violation and try to find a resolution that is amicable to the homeowner and board. If the homeowner does not cooperate the attorney will be the one to begin contempt filings or legal evection.

• They may represent the homeowner’s association in any legal proceedings outside the association such as dealing legally with a contractor who did poor work in the development. It will be the HOA attorney that will see remuneration and if it becomes necessary will file a lawsuit against the contractor.

• If the homeowner’s association is sued the HOA attorney would do the defense of the homeowner’s association in the case.

The HOA attorney is the legal voice for the association’s board and generally is not a full time job. Many times this attorney will represent several homeowners’ associations at once or represent them and have a property law practice.

Why You Need a Bankruptcy Attorney

If you’ve found yourself sinking in debt, bankruptcy can start to look like an attractive option. Yes, you will lose credit and assets, but you will also be able to pare down your debt and get relief from harassing creditor calls. Some people try to file bankruptcy without the help of a lawyer, but there are some very good reasons why you shouldn’t attempt that.

Bankruptcy Law is Complex

First off, there are several different types of bankruptcy: Chapter 7 and Chapter 13 for individuals, Chapter 11 for businesses, and Chapter 12 for farm owners. Knowing which type of bankruptcy to file for is imperative. Too many individuals who try to go it alone end up filing for the wrong chapter, which results in the loss of valuable assets or in some key debts not being discharged.

A bankruptcy attorney can advise you on the type of chapter that fits your situation the best. He will also be able to inform you of potential tax consequences and asset losses you will face. For example, will your house and car be taken in the bankruptcy or will you be able to keep them? A bankruptcy attorney might be able to help you exempt certain assets, such as your house, from being taken.

No one besides a lawyer is allowed to give you legal advice. If you’re trying to do it on your own, you’ll have a difficult time getting answers.

Bankruptcy Forms are Complex

Have you ever tried to fill out a legal form? It’s complicated. In a bankruptcy, it’s easy to miss required forms that affect your case. There may be up to 20 forms that you need to file. Chapter 11 bankruptcies for businesses are especially complicated.

A bankruptcy attorney can show you how to fill out forms or even fill them out for you. In the legal world, if a form is filled out incorrectly or is missing information, it can hurt your case. It can cause your case to get dropped or subject you to fraud charges, in the event that the bankruptcy trustee finds out that you left out information. Everything you state on a bankruptcy form is filed under the penalty of perjury. It’s serious business.

Bankruptcy Procedures are Complex

When you’re navigating bankruptcy court by yourself, you’re responsible to read up on the proper procedures. Which form do you file first? Where do you submit your forms? How soon do you need to file them? Have you met all the eligibility requirements? Yes, you’ll need to qualify to file bankruptcy.

Self-filed bankruptcy cases frequently get dismissed due to administrative errors-failing to file the right forms in the right time frames, failing to provide documents, failing to show up at the meeting of creditors, failing to make payments on a Chapter 13 plan, and more. A bankruptcy attorney will keep you on your toes.

Bankruptcy is a last-ditch option to resolving an insurmountable financial crisis. While it’s not an easy process by any means, it will be much easier with a lawyer at your side.