Monthly Archives: April 2016

Solve Your Credit Card Debt Problems – Seek Help of a Good Credit Attorney

download (10)Are you floating into the sea of credit debt trap? Well, you need to know that you are not alone in this but there are several Americans too who are facing the same kind of problem. Such situations are increasing because you are forced to swipe your credit cards due to insufficient money. Besides this, if you aren’t employed in a good firm, then you are not making good bucks for sure. Also, using the plastic money too frequently and spending beyond your means will lead to unnecessary debt problems. Do you want to overcome your debt problems? If yes, then what are you waiting for? You may take the help of a good lawyer and ask him to help you with the credit card payments. They may even help you with your rights and draft a suitable repayment plan so that you can get rid of debt problems soon.

Some ways how a credit attorney can help you with the credit bill payments

If you have accumulated extreme credit debt and you know not how to repay them, seek help from a lawyer. Check out some ways how an attorney can help you with credit card bill payments.

Stop getting the collection calls – When you ask your lawyer to help you with the credit card bills, he’ll take the responsibility of contacting your creditors so that they may not call you for the payments. However, if the creditors still call you, then your lawyer may send a cease and desist letter to them as per the rights under the FDCPA.

Determine the rights of a debtor – Being a debtor, it is extremely important that you determine your rights. Your attorney can help you in negotiating with the creditors. They can also help you with reduction in the interest rate and thus, the payments. However, you are accountable for paying the card balance that you’ve incurred.

Draft a suitable repayment plan – Your attorney may formulate a suitable plan so that you can pay off the credit card bills you owe. He will also be able to suggest you if any of the debt relief options such as consolidation, debt settlement or bankruptcy may be suitable for your situation. Besides this, he can also suggest suitable ways how you can reduce the credit card debt problems soon.

Follow the plan offered by your lawyer – Your lawyer will suggest you a suitable plan for eliminating the debt problems. It is important that you stick to the plan offered by your lawyer. Be sure that you will be able to make the monthly payments with the new plan. If you think you cannot, request your attorney to assist you how you’ll be able to make the credit card bill payments.

Mediator between you and the credit card company – You need to know that your lawyer acts as a mediator between you and your credit company. As such, if you want to talk to your creditors but aren’t comfortable, then you may ask your lawyer to help you out in this matter. This way, you will be able to solve your credit card debt problems.

Thus, these are some effective ways how your lawyer can help you with the credit card bill payments when you have piled up a huge amount.

Who Is Ultimately Responsible for Worker Safety?

images (2)Most workplaces have policies making safety everyone’s responsibility and signs advising workers to identify safety hazards. The law is more limited in its approach. When workers become deceased or seriously injured while acting within the course and scope of their employment, the injured workers must receive compensation for their injuries.

A Note on Workers’ Compensation

Employers in all 50 states are required to cover employees under their workers’ compensation insurance policies, which provide benefits to the employee in the event of the employee’s injury while on the job. Such benefits include compensation for medical bills, lost wages, and benefits payable upon one’s death. This labor-related law was designed to proved an economically viable alternative to costly litigation between employees and employers. As a result, workers’ compensation coverage generally forecloses civil litigation arising from workplace accidents.

Workers covered under workers’ compensation are generally not eligible to sue for injuries sustained in workplace accidents. However, the construction industry commonly uses laborers who are not fully documented, as well as subcontractors for many tasks. Independent contractors are not covered under workers’ compensation statutes, making them eligible to file claims for negligence.

Types of Construction Accidents

According to the Occupational Safety and Health Administration, 4,069 Americans were killed on the job in 2011. Of these, 17.5 percent involve construction accidents. Falls comprise 35 percent of construction accidents while blunt-force injuries, electrocution, and crush injuries comprise 10, 9, and 3 percent respectively. In other words, most construction accidents involve a mixture of workers making mistakes and errors in oversight.

However, not every accident involves negligence on the job site. Crane accidents and structural failures can occur if the materials do not meet the advertised specification. Bolts that are too hard or too soft can have greatly reduced shear strength, improperly treated steel can rust quickly, and poorly prefabricated materials can have poor welding and substandard materials.

Negligence

Whether the accident occurs as a result of on-site negligence or a bad lot of materials or equipment, businesses must be prepared to deal with the aftermath. If someone dies or becomes seriously injured while on site and if that person is not covered under workers’ compensation insurance, many parties are likely to be named defendants in a lawsuit for negligence. Negligence is a tort involving conduct that fails to meet the appropriate standard of care.

Who is theoretically liable for a construction-related injury depends upon the nature and the cause of the injury.

Fault

If the incident occurs as a result of a worker’s failure to check a blind spot or perform work at a satisfactory level, the worker will be liable for the damages and his or her employer will be vicariously liable; the employer will also be liable for its own negligence in failing to train or supervise the employee. If a defective item caused the incident, the manufacturer will be held responsible for the manufacturing, design or marketing defect. If the defect was something that a reasonable reseller or installer would have noticed, the supplier or installer may also be liable for negligence for failing to notice the defect.

Whether the incident involves a major crane collapse or structural failure or a worker’s foot being injured by a forklift, the avenue of recovery is the same. In practice, construction accidents often involve failures on multiple levels. Poorly trained employees, poor supervision, and in some cases, poor equipment can combine to create an unnecessary workplace tragedy. In identifying which party is responsible for the injury, the law seeks to identify the party that failed to adhere to industry standards and acted unreasonably.

 

Important Labor Laws You Should Know When Starting a Business

download (9)Whenever you are looking to start a business (doesn’t matter if it is an online or offline venture), it’s always good to get in touch with legal experts or local governing bodies to get an idea of laws and regulations that will affect your business. From advertising and marketing to workplace safety, and finance to intellectual property laws, there are certain rules and regulations that you need to abide by, not to forget the licensing or registrations that you will have to go through before commencing a business.

Business laws can differ from one country to another and one state to another state, so it’s always advisable to do the due diligence and save your business from trouble later on. There are certain laws that affect a specific type of businesses, for example, the food safety laws are devised for businesses dealing in food & beverages, or import and export laws for businesses involved in import and export. But there are some laws that affect almost all businesses, for example income tax laws or labor laws.

Labor laws consist of laws,decrees, rules, and regulations that involve the relation of employees and employers. Some common labor laws include minimum wage, working hours, child labor, worker’s safety, or workers compensation. Let’s have a look at some of these laws. But remember that this post is meant only as an overview, and you must consult with the legal experts and the concerned authorities to be sure of your rights and obligations.

Working Hours:

Its mind boggling to know that working hours were ranging from 10 – 16 hours, and that too for six days a week in the olden days. These days, eight hours a day or 40 – 48 hours a week is pretty much a standard in all developed countries. However, the employees can choose to work for extended hours on their own (in return of overtime compensation). Of course there are exceptions, and you won’t see this law being applied at some places or in certain sectors, still you need to keep your working hours somewhere near to the standard.

Work Health and Safety:

To start with, you need to provide your workers with a safe working environment, to make sure workers are not subjected to injuries or illness due to the working conditions or nature of job. You need to make sure that appropriate safety measures are in place, protective gear is available when needed, and all sorts of safety standards are observed at workplace, plants, warehouse, and transport.

Workers Compensation:

In case a worker suffers a job related injury or illness, the business will have to pay for medical and rehabilitation bills, disability payments, and other benefits depending on the severity of the injury or illness. Again, workers compensation laws will vary from one place to another, so you need to consult with the local experts (e.g. workers compensation Atlanta) instead of relying solely on the online information.

Wages & Overtime Compensation:

Minimum wages rates can range from as high as $20,000+ (per annum) to as low as $800 or lower in developing countries. Minimum wage law means that you cannot hire employees for less than the minimum monthly, hourly, or daily wage set by the government. Similarly certain countries or states make it obligatory for businesses to pay higher rates to employees working overtime.