Ways to seek legal help when you have no money

Getting a legal advice is often easier said than done. Sadly, not everyone can afford an attorney. Much as we want justice to be served, the funds deficiency always gets in the way.

There comes a time when we need legal services especially when we are in a situation where we cannot simply defend ourselves. Just a simple do it yourself defence is not enough to win over our opponent. Without money to spend for legal fees, chances of defending our rights will surely be low to no chance at all.

legal help

What to do then? Do not just sit back and wallow in self-pity because there are still ways to seek affordable legal services

Ask help from non-governmental organizations. Look for NGOs or legal aid societies. These non-profit organizations can be found in almost every city of the country that provides free legal services to low-income people.  

Contact Public Attorney’s Office (PAO) or your country state bar association. PAO has been known for providing free legal assistance to underprivileged and deprived clients. They have many lawyers specialized in different practice areas that can represent a client pro bono. However, pro bono or reduced-fee help may differ from state to state and county by county.

Visit a law office. Talking to pricing attorneys may be an option. Depending on the gravity of the offense you committed, for instance, you are facing an offense of driving while intoxicated, or driving under the influence of alcohol, then there are significant penalties upon conviction. Seek the assistance of a Rochester, MN DWI attorney if you are living in Southern Minnesota. An attorney might give you a discount if you ask. Sometimes their fees aren’t as high as you might expect.

Visit a law school. Seeking advice from a law professor or a senior law student is a good option. This is one of the best ways to get free legal advice if you don’t have the money to spend on a lawyer to represent you.

Browse online legal forums. Another avenue for seeking free legal advice is the online community. Different legal matters are discussed in these forums. Annulment, divorce, property claims and child support or custody are just some of the issues often discussed in these legal online forums. However, you need to be extra careful not to divulge important details for security.

Depending on your situation, you can employ any of the ways to get free or affordable legal services mentioned above. Just make sure to first conduct a background check and confirm that your chosen lawyer is in good standing as a member of the bar before hiring his services.

 

Image by espartgraphic from Pixabay

4 Common Types of Legal Claims

Legal Claims

Making a claim for compensation is a sensitive legal matter that must be held by an expert lawyer. If you’ve been injured in an accident due to negligence, road mishap or work injury, a victim of domestic violence or other forms of pain and suffering, the burden of costly medical expenses and legal costs are just two of the sad realities we are always confronted with.

Great news for suffering victims that you no longer have to go through and live with the consequences of another person’s carelessness and negligence just because you have no money to hire a legal adviser. It is now possible to claim personal injury compensation through a No Win No Fee agreement. A No Win No Fee is a conditional agreement between the legal representative and the client. This agreement assures the client’s peace of mind as it doesn’t have to cost a penny regardless of your claim’s outcome. However, you also need to do your part by supplementing and organizing the evidence and documents needed as well as the witnesses that will help your No Win No Fee Lawyer in defending your case.

Hiring the services of a lawyer to represent you is beneficial especially if you don’t have any legal understanding about what type of legal claim you are entitled to and how will this legal claims work.

Below are the common types of legal claims:

Road/Traffic Accidents.  You can claim compensation if you are a victim and get injured because of a road accident. The most common road accidents that falls under this claim are: vehicle collision, occurred accident because of problems with road safety facilities, driver’s ignorance and failure to abide by road traffic regulations, if you are a pedestrian harmed through reckless driving and more.

Medical Negligence. Health care professional negligence that will lead to a lawsuit are: prescribing improper medication and dosage, defective drugs, misdiagnosis, wrong site surgery, surgical errors and more. Medical malpractice may become a criminal offense in extreme conditions like situations regarding the wrongful death of a patient. If you are a physician in this circumstance, it is best to seek an Orlando criminal attorney if you are living in central Florida. They will help make sure that your rights are protected.

Work Related Injury. A work related injury can be injuries that took place while a worker is travelling and visiting other workplace sites as a part of his job, it can be an illness caused by chemical or harmful substance exposure in the work environment or physical injuries like fractures, burns or being hit by a falling object..

Divorce and Domestic Violence. The court may allow alimony or spousal support after a divorce based on the court decision or agreement between the couple. Domestic abuse on the other hand is not only based on the victim’s visible physical injuries, it may also be in the form of verbal abuse like threats and coercion, emotional violence and intimidation.

With the help of a good and reliable solicitor, probable compensatory damages can be given to the claimant of a lawsuit.

Image by jessica45 from Pixabay

Recover Your Finances After A Serious Mishap

road accident

When you travel to work on a daily basis, be a commuter or driving your own car, different kinds of vehicles like cars, SUVs, buses, motorcycles and large commercial trucks are a common sight.  Road accidents can unexpectedly happen and can come as a big shock. This mishap can be disruptive to your life in many different ways. A road accident has a big effect on one’s life: From missing days off work, daily physical routine, emotional distress and severe loss of earnings.

If you have been injured in an accident with a commercial vehicle, such as a semi truck in the state of Oregon, it is critical to consult with an experienced Portland truck accident attorney as soon as possible. It’s now becoming more common for people to claim for personal injury due to all of the big trucks on the road. You deserve some form of compensation for your economic and non-economic suffering.

There are several compensations available for injured victims. With the help of legal assistance you may be able to recover damages for:

  • Reimbursement for medical expenses;
  • Rehabilitation costs;
  • Disability;
  • Lost wages and Loss of expected future earnings;
  • Pain and suffering;
  • Mental distress;
  • Permanent disfigurement;
  • Loss of quality of life; and
  • Wrongful death.

 It is important to seek the assistance of an accident lawyer as it is difficult to go through this kind of process alone. So make sure you can get all the help that you can.

In order to speed up the process of the compensation claim, it is best advised that you collect and have all the necessary documents to support your claim like:

Pictures. These are the best arguing tool that you can have. Photos showing the accident and the surrounding area is a solid proof in case the other party denies what happened. Photos should also include the license plate of the offending vehicle.

Incident Report: Get the name of the investigator or police officer who took command of the situation and ask for a copy of the incident report with complete accident details. However, you shouldn’t rely solely on the police report to tell your side of the story. It is better to gather witnesses too.

Medical Costs. Keep a copy of all the medical expenses and medical records.

As we all know, one of the major aspects involved in this kind of situation is your finances. With the right lawyer on board, you can more easily claim compensation which will be able to help you to get your finances back on track in no time at all.

 

Image by photochur from Pixabay

Defective Drug Legal Claims: Get the Compensation You Deserve

Defective Drug Legal Claims

If you have suffered a personal injury due to a serious defective medication side effect, there is a good chance that you can make a claim for some financial compensation to cover any medical bills and loss of income that you may have experienced. If in case you are a suffering victim of the Truvada-based drugs, you can file a case and recover money settlements through Truvada lawsuits. The monetary compensation will determine your quality of life as you recover, you’ll want to optimise it as best as you can. This means that careful planning is required so you can reimburse with a satisfactory amount of cash.

 Collect All Important Documents

Since you will eventually take this case to a solicitor, you will need to gather as much evidence as you can. From the moment the health risks associated with the drug occurred, it is best advised to get in touch with your lawyer, collect all the necessary documents including:

  • Medical records
  • Corporate statements
  • Witness details
  • Video footage if applicable
  • Hospital receipts

The specific details of what you need to supply may vary from one region to another. Shouse Law Group is a California-based law firm representing victims of Truvada-based drugs and accepting cases from across the United States.

Take Photos and Notes of the Damage

You can also collect some personal proof of what happened so you can improve your chances of gaining the right amount of compensation. This can be done in a number of ways such as:

  • Taking photographs of injuries and other damage
  • Writing down notes about the occurrence
  • Collect all written prescriptions, laboratory results, CT scans and X-ray results

Remember that you can never have too much proof. The more you collect, the better the chance your lawyer can then fight for your case and get you the reimbursement that you deserve.

Speak with a Defective Drug Lawyer

In order to optimise your chances of gaining the right amount of compensation, you will need to work with an expert in this legal area. Attempting to handle this task on your own can be risky especially since you don’t know the complexities of this particular law-related field. These agencies will typically offer an initial consultation where you go over the details of your case and decide whether you have a good chance of winning. They will also provide you with a quote which can then be compared with the offers given by other solicitors you have talked to.

Always Use a No Win No Fee Lawyer

When opting for one legal specialist in particular, you should always hire a solicitor with a no win no fee policy. This means you won’t have to pay a penny if you end up losing the case. At the free initial consultation, ask if this applies to your situation. If the lawyer is confident they can help you win, they should have no trouble waiving the fee if you end up unsuccessful. In this way, you will only have to cover these legal costs if you end up gaining the necessary compensation in the future.

By following these four steps, you can then maximise the amount of compensation received after a defective drug legal claim.

Image by Steve Buissinne from Pixabay

Personal finances 101: invest in football memorabilia and make some cash

 football memorabilia

Collecting football memorabilia is a satisfying hobby for many — however, not everyone knows how to turn this into a money-making activity. With the help our guide below from UK specialist in display panels: Where The Trade Buys, learn about which editions to look out for, to grow your collection. You may even have some valuable programmes laying around in your loft space… let’s find out?

The history of football match programmes began in 1888

In 1888, the first football programmes were published alongside the launch of the Football League. Unlike today, the aim of a programme was to keep score and it was made up of a single sheet detailing the teams and match date.

Over time football programmes increased in size, growing from pocket-size to A4, with some clubs preferring the smaller option and others opting for the larger format. From a single sheet of basic info, the availability of saddle-stitch book printing and a growth in popularity turned football programmes into thick, glossy books crammed with trivia, statistics and high-resolution photos that fans loved to buy before every match.

One of the first programmes to be published was the ‘Villa News and Record’ for Aston Villa. Soon after, the football programme took on a weightier format of between four and eight pages, while the covers became more attention-grabbing and attractive. During and after World War II, a paper shortage cut the number of programmes that clubs could produce — making any that were released very collectible today.

Today’s football programme stays true to its roots by giving spectators key details of players on each team. Although today, the programme can also act as a mouthpiece for the club in question, allowing managers and players to speak to fans via interviews and club statements.

How much are collectors prepared to spend?

There are many examples of rare football programmes being sold to collectors for a lot of cash. In 2012, a family from Ipswich managed to make around £46,000 by auctioning off a set of football programmes they stumbled across in their house, which goes to show how easy it is to not realise the treasure you have sitting around your home.

Fairly recently, Sotheby’s New Bond Street auctioned off the oldest-known programme from a FA Cup final — Old Etonians vs Blackburn Rovers in 1882 — for £30,000, while a single-sheet programme from the 1909 FA Cup final between Manchester United and Bristol City went for £23,500 in 2012.

To give you a helping hand, here’s a guide on which editions should you watch out for as a collector.

Collectible football programmes: some examples

For fans, football programmes clearly play a large part of the match day experience — but how collectible are they and which should you search for if you want to bag a truly special edition?

The first Wembley final programme from 1923 is a great example of an important collectible item. It details the match between Bolton and West Ham United and is worth around £1,000. Alternatively, there’s the programme from the one and only time a non-English club lifted the FA Cup — Cardiff City vs Arsenal in 1927 — which ended with a score of 1-0 and has a value of about £2,500!

The 1966 England vs West Germany programme is potentially one of the most highly prized programmes in sport. But be warned; there were three reprints of the original, so tracking down a bona fide version is tough. If you want to be sure you’re buying an original, check the weight and colouring — the reprints are more lightweight, while the front cover of the original is a deep, royal blue. Different paper types are also used for the team pages in the original, but not in the reprinted versions.

Another one that programme collectors look out for is the edition from the game that was cancelled following the 1958 Munich air disaster (Manchester United vs Wolverhampton Wanderers), which can go at auction for around £10,000, or the programme for the first match following the tragedy — the 19th of February 1958’s game between Manchester United and Sheffield Wednesday. In this programme, the club showed respect to those involved in the disaster by leaving the team page blank.

A quick guide for new collectors

Keep the following three key features in mind to make sure you’re getting a good deal:

  • Programme age — anything over 50 years old is most collectible.
  • Availability — if there are many available, this will bring the value down.
  • Demand — programmes with an iconic footballer on the cover or detailing a famous match are the most prized and valuable.
  • Wear and tear — creases, missing staples and water damage all harm the programme’s price, so ask for a photo before you pay.

Any programme from an FA Cup final match holds value, as does any booklet that was perhaps the first or final edition of a player’s/manager’s career (i.e. the last game David Beckham played for Manchester United).

Another thing to highlight is that certain teams typically hold greater monetary value than others when it comes to programme collecting — although, programmes from your team’s past will be more personally valuable to you. Sides such as Manchester United, Chelsea, Liverpool, Spurs, West Ham, and Arsenal are all highly sought after and are worth keeping an eye out for if you want a particularly valuable item. The Football Programme Centre is also a good source of advice if you’re keen on becoming a serious collector.

Many fans all over the UK enjoy collecting football programmes — particularly when you track down a rare edition or grab a great bargain. So, why not keep yourself football-focused until the new season kicks off by learning more about the hobby?

 

Photo by rawpixel.com from Pexels

Sources:

https://www.bbc.co.uk/news/uk-england-suffolk-18399222

https://www.antiquestradegazette.com/news/2013/auction-record-for-any-football-programme/

https://www.justcollecting.com/miscellania/top-5-most-fascinating-football-programmes

http://www.footballprogrammecentre.co.uk/football-programme-guide.php

Changes which have been made to various savings initiatives

Building societies are now a common sight on the high street, while we always hear about shifts in the stock market on the news. So many of us have personal savings accounts and pension pots set up now too. But have you ever thought about where these came from, or how each savings initiative has changed over the years? In the following infographic, personal pension specialist True Potential Investor has taken a step through time with this question in mind.

Did you know that the first known building society formed for groups of individuals who were looking to help each other to buy property? Or that the Bank of England was founded towards the end of the 17th century to fund the war effort against France? How about that the Amsterdam Stock Exchange was believed to be the world’s first stock market?

Discover even more fascinating facts by browsing through the full infographic below…

 

savings initiatives

Planning your steps to financial freedom

financial freedom

Financial freedom for many may seem far away, for some even impossible. There are an abundance of things you can do to ensure this becomes a reality. Planning is required, and hard work is needed but creating financial freedom is possible through just a couple of simple steps to you should follow.

1. Have a percentage in mind to save

Saving is one of the most importance factors when it comes to establishing financial freedom and one of the best ways to do this is to decide what percentage of your income will go into savings each month. For example, this could be 10% of earnings, but for some with more comfortable salaries this could be increased to 50%. If you chose to set this up through a direct transfer, the funds will automatically go into a savings account and quite often these numbers add up quickly, which may leave you surprised when you check your available funds. The percentage you chose to save can be adjusted accordingly to your current financial position. It is unlikely that around Christmas you will save extra, but ensuring you have a certain sum automatically saved each month is one of the best and most productive ways to maximise your household income.

2. Invest in Property

There are many lucrative ways that can make your money stretch further. Property is the only asset that produces two different returns on investment, capital appreciation and rental yields which helps to secure financial freedom over the likes of stocks and shares. Capital appreciation refers to the amount a property will appreciate by in the future. In 1998, an average London home was worth £115,000, however two decades later in 2018 the average property price exceeds half a million at £671,412. Besides this monetary growth, rental returns can be gained alongside and property investment specialists like RW Invest offer properties in which you can secure solid returns and potential for capital growth in years to come, meaning that eventually the property will end up paying for itself. Click here to view their full portfolio: https://www.rw-invest.com/. Buy to let property is emerging as one of the most popular ways to grow your income, as well as being a stable way to entrust your money.

3. Aim to diversity your income

Diversifying your income is one of the best ways to create wealth as it provides an extra level of security. Having more than one income stream allows a safety net to ensure you always have an income from one or more other avenues. Many people have avoided serious financial difficulties because of diversifying their income, this may include obtaining a second job. If you are unsure how to add extra income then consider selling unwanted items, involving yourself in part time work or venture into freelance work or an independent business.

4. Ensure all debts are paid

This can sometimes be easier said than done, but one of the most essential things to remember is as soon as you pay off your debt the quicker you will receive financial freedom. To avoid this altogether avoid spending money you don’t have in the first instance. If you are in substantial amounts of debt, calculate how much you owe and set yourself a strict time frame, and be wary not to incur any additional bank charges in the meantime.

Three Ways to Turn Your Car into Money

Turn Your Car into Money

There comes a time in most of our lives when we need a little extra money. Perhaps you’re trying to save up for a vacation or you just have some debts to pay. Having a little extra money in your bank account would go a long way and so you set out to find ways to do that. You look into part time jobs, you cut back on your expenses, or maybe you even start selling some things around your home.

If you’re the owner of a car, it could be the answer to your problems. There are several ways that you can turn your car into money and start reaching your financial goals a little sooner. Here are just three ways you can do this.

Use Your Car for a Job

One of the best things you can do is use your car for a job. There are plenty of places where you can get an extra job driving around, earning a little more income in your spare time. For example, there are probably restaurants in your area that could use some delivery drivers. Or, in some places Amazon is looking for people to deliver packages in their local area. All you need to do is driving something from Point A to Point B and you earn some extra money.

If you don’t want to drive things around (or if you don’t want your car smelling like food), consider driving people around. With apps like Lyft and Uber you can sign up to be a driver, and then drive people to their destinations. The great thing about working for one of these companies is that you get to choose your own hours. So if you have a busy or unpredictable schedule, you can choose which times you work, and earn money on your own terms. To learn more about what it’s like to work for a ride share company, you can check out this article.

Rent Out Your Car

Your next option is to let someone else drive your car. If you don’t need your car at all times you can bring in some extra income by letting someone else drive it. There are many instances where someone is in town for only a few weeks and doesn’t want to go through the hassle of buying a car. By letting someone else use your car you get to bring in extra money without really having to do anything.

If you’re going to go this route there are a few things you should keep in mind. First, you obviously won’t have your car for an extended period of time. If you need your car to get to work every day, this probably isn’t the right answer for you. On top of that, you have to worry about any damage someone else might cause to your car. Check into your insurance policy to see what it covers and consider running a background check on anyone who wants to borrow it. For more on renting out your car, try this guide.

Sell Your Car

Finally, your last option is to sell the car entirely. If you don’t use your car much it’s probably just taking up space. By selling it you get a quick cash influx, and don’t have to worry about things like upkeep, insurance, or parking fees.

To sell your car, you have a few options. First, you can take it to a local dealership. There are tons of used car dealers all over the country, so you should have no trouble finding several near you. If this option doesn’t suit you, you can sell the car privately. This option is a little more risky, but if you can find a good buyer, you may be able to get more than at a dealership.

The great thing about this option is that you can sell your car no matter what kind of shape it is in. Even banged up or broken down cars can get you a little money, so don’t worry if your car isn’t in the best shape. You can even search for “where to sell a totaled car” to find some places in your area willing to buy a completely wrecked car.

Put Your Car to Good Use

If you need some extra cash, and you have a car, you’re in luck. As you can see, there are plenty of options out there for turning this car into some extra cash. Think about how much money you need, how much free time you have, and how much you really need the car. The answers to these questions will help you to determine which route is best for you.

The Differences Between Bankruptcy and a Part IX Debt Agreement

Bankruptcy and debt agreement

What is a Debt Agreement?

A debt agreement is a formal and legally binding contract between you and your creditors, which while not formally being a bankruptcy, does fall within the auspices of the Bankruptcy Act 1996. Under such an agreement, your creditors agree to accept from you an agreed amount of money, which you are in a position to be able to afford, over an agreed period of time in settlement of your debts. Once the amount agreed has been paid in full, anything further you may have owed your creditors which was contained in the agreement is gone, with no legal recourse to pursue you.

How Does it Work?

In a part 9 debt agreement, you work with a debt agreement administrator to prepare a proposal to your creditors, making an offer to pay a certain sum of money to them, in full payment of your debts, over an agreed amount of time. It may be that your income leaves you in a position where repaying everything you owe is just not possible. Through the debt agreement, you may only offer to pay a certain percentage of the overall debt. Even a reduced amount may be attractive to creditors, especially if they may well actually receive less if they push you into a formal bankruptcy. If a majority of the creditors accept your proposal, an agreement is entered into, which is legally binding on all parties, with each receiving the same percentage of money repaid.

What Debts Can Be Included?

Not everything can be included in a debt agreement, and you can still be liable for these even after everything else has been paid. A debt against a property is considered a secured debt and the creditor may force a sale to recover some or all of the loan, with any shortfall then possibly becoming part of a debt agreement. With unsecured debts such as credit cards, utility bills, overdrafts or unpaid rent, a debt agreement is generally possible, while unpaid fines to a court and child support is not. Neither are any additional debts you may accrue after the debt agreement proposal has been received.

How Does Bankruptcy Work?

Bankruptcy is a legal process, which can release you from much of your accrued debt, whereby you are declared unable to pay your debts. You may enter it voluntarily through a debtor’s petition, or it may be forced upon you by a creditor. A trustee will be appointed to whom you must declare all of your assets and liabilities. The trustee will then be responsible for selling your assets, as permissible, to help repay some of your debt. You may be ordered to make compulsory additional payments if your income is above a certain level. Bankruptcy generally lasts for three years and a day, during which time you may be ineligible for certain types of employment, or be subjected to restrictions on obtaining any credit or even travel.

It is important to understand that entering into either bankruptcy or a Part 9 debt agreement is a very serious move and before deciding about either, it is essential to receive expert advice on your situation and listen to your options to deal permanently with that unmanageable debt.