Slip and Fall Attorney Necessary

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If you have recently taken a tumble on someone else's property, chances are you could use counsel from an experienced slip and fall attorney. These attorneys are particularly well versed in personal injury lawsuits and may be able to help you get compensation for your injury. You could get your medical bills taken care of and finally get the recognition for injury that you deserve.

Unfortunately, it isn't always easy to find a good injury lawyer or slip and fall attorney. You can easily become overwhelmed looking for the right individual to hire. Doing research online or in your community can help. You may also consider talking with people in your work place or in your circle of friends and family for possible recommendations.

Once of the best ways to find a reputable slip and fall attorney is to go online for an Internet search. Many excellent attorneys have web sites available for viewing online. These sites will explain their education and background. They will also give you information about the kinds of cases the law firm or lawyer is used to representing.

You may also want to look in your local community business guide. These will often contain the names of law firms in your immediate area. From here, you can more quickly get the names and numbers of individuals in your area that practice and represent cases similar to yours.

Again, you may have the best luck talking with friends, colleagues, neighbors or family members about your situation. They themselves may have been involved in a similar incident and sought the advice of a lawyer in the area. Or, they may know someone in his or her larger circle of friends that has had a similar experience. It can be great to find a lawyer using this method because the legwork has been done for you. You can feel more comfortable knowing that someone you trust has also worked with this lawyer.

You may not find the right person through recommendations, though. If this is the case, what you can do is find several possible candidates in the area and conduct some consultation appointments. Talking with a personal injuries lawyer prior to retaining them for your case can help you determine whether they are a good fit for you. In the appointment, be prepared to discuss your situation and express any concerns you may have. You can also talk with them about fees and scheduling during this time.

You may have no trouble finding the right lawyer for your case. Just be sure that the person you do hire has a reputation for winning cases like yours in a satisfactory manner. Also, hiring someone with experience rather than a new approach to situations like your can help. A more experienced individual will more than likely know the proper routes to take, what timeline to follow and paperwork ins and outs.

Regardless, hiring a slip and fall attorney to represent you can be a life changing decision.

If you've been injured due to someone else's negligence contact a Deerfield Beach slip and fall attorney immediately. For a lawyer you can count on, visit: http://www.lawinfofl.com/.

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DNA Paternity Testing Procedures: Buccal Swab Test Versus DNA Hair Testing

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DNA testing has many applications across a broad array of disciplines and industries. DNA profiling is used to establish the identity of individuals largely for forensic purposes and for use in law enforcement services. Personal identification and kinship analysis as well as family relatedness are also popular forms of DNA analysis.

A recent study determined that 1 in 10 Americans ponder questions related to paternity. Establishing a biological relationship between parent and child is significant. Whether for financial support, immigration requirements, emotional reasons, health care tracking, peace-of-mind or even legal situations paternity testing can provide the needed answers.

There are several types of DNA paternity testing procedures:

DNA Blood Test

Paternity testing procedures have historically been conducted in hospitals and laboratories under prior authorization and using a blood draw for specimen.

Today, home paternity testing kits are available at local drug stores across the country. These kits can be used for peace-of-mind and for legal (court-admissible) reasons-using the same laboratory process as hospitals do with blood.

Buccal Swab Test

The method for collecting DNA samples for paternity is through a buccal swab test (also referred to as a DNA mouth swab test or a DNA cheek swab test). Using buccal swabs is just as reliable as using blood but far more convenient.

There are also many other advantages. The use of buccal swabs is non-invasive, and a much easier technique for the collection of DNA samples. Buccal swabs don't require refrigeration like blood samples do, and they are good for several months after the collection has taken place.

DNA Hair Testing

Special specimens are sometimes used in place of a cheek swab sample. For example, a situation may exist in which the alleged father is deceased or otherwise not available to participate in the paternity testing. Special specimens are considered anything other than a buccal swab test used to extract DNA. Examples of this can be hair follicles (with root attached), toothbrush, q-tips, or tissue samples of any kind.

There are many challenges to DNA hair testing. First, the root of the hair follicle must be attached. DNA is not found within the hair shaft. Secondly, it cannot be guaranteed that a sufficient sample with good quality can be extracted. In a paternity test this could cause an inconclusive result. Thirdly, testing hair is an expensive process. Additional extraction techniques are performed for special specimen and often numerous attempts are made in an attempt to obtain DNA. The extraction cost is separate from the actual laboratory cost in this situation and can be quite an expensive alternative.

Though there are many DNA paternity testing procedures using buccal swabs is a much easier process as opposed to other sample types including hair. Be in the know, purchase a home paternity testing kit today.

Kathie Knoll writes for Identigene, a DNA Testing company that specializes in home paternity testing and std testing. Providing the most commercially reliable results and excellent customer service, Identigene is considered a leader in the industry.

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Availing SSI Disability Benefits

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SSI disability benefits are programs set by the government to ensure a steady flow of income in the lives of the disabled. These are basically designed to aide household expenses of people belonging to the low income group. Disability may occur due to any reason. Sometimes accidents limit the mobility of an individual so much so that the income of the individual is hampered permanently or temporarily. The supplement security income program ensures that the governing body funds all those who are unfortunate.

Moreover the US treasury takes care of the expenses. SSI disability is thoroughly mandated whereby the claimant has to understand certain facts and rules. The disability of the victim or individual entitles him to avail such financial assistance from the government. The rule also entails that the disabled doesn't stay away from the US territories for more than 30 days time period. The federal Government ensures that in any case of the person is found to be outside the US territories for a longer period and then applies for disability benefits the individual would be arrested by the Government.

In order to avail the amount in full settlement the disabled has to claim for the same following certain rules and regulations. The entire process is lawfully managed and involves a set of complex legal steps for completion. In order to avail disability benefits your primary step should be to assign an efficient social security attorney; also proper filing of the claim is necessary to avoid hindrances coming on the way.

Remember that you would be entitled to receive the amount because of your disability. SSI disability benefits are designed to provide you with fixed monthly financial aides. Therefore it is necessary to prove that you actually have to face a whole lot of problems because of your disability. In some cases the dependent of the disabled are allowed to receive the amount; of course in that case the dependent should be of an age below 18 years. Under usual circumstances, the dependent who is in High school is also entitled to receive the amount.

Since your disability is the key to availing the income, you have to prove your disabled status with proper document supporting the fact. In majority cases individuals even seek help of multiple medical practitioners to prove the fact. Medical reports and doctor's prescription are considered to prove that you are disabled and are unable to get employed anywhere. The social security attorney helps you reach your goals without much difficulty.

Safina Jones is a legal advisor who has good information on social security attorney. For more information on SSI disability, please visit http://www.consumerlawfirmcenter.com/

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Don't Hire A Fraud Investigator Until You Know What I Know!

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Fraud investigations have been on the rise over the last decade, and it isn't because business owners are getting paranoid. If anything, business owners have only recently gotten wise to the massive kind of threat that financial fraud poses to their livelihood.

Let's talk about some of the invisible methods scammers use to crush your bottom line, and the situations where hiring a professional can save it.

Bank and Mortgage Fraud
Two of the main areas of work for a financial fraud investigator are in bank and mortgage fraud. Makes sense - banks and real estate are where the money is. And bank fraud isn't just an American problem. International money fund suspects that banking fraud cost the industry around $6 billion a year worldwide.

The corporate fraud investigation field covers a wide range of fraudulent activities by a company's employees and clients. Whether it's:

Reviewing questionable documents and transactions.Backtracking the sources of deposits or looking at transfers of suspicious funds, orObserving clients and employees activities

It's a job that always keeps you busy. There are times when absolutely no suspicious activity is found - but it's more than worth the work when you get a hit.

Of course, if you're going to work on banking and mortgage fraud, some skill with numbers doesn't hurt. When you're ready to hire someone to track down signs of fraud, look for some study in accounting and financing, as well as a criminal investigation degree or some other kind of criminal experience. With financial fraud on the rise, the demand for people with the skills to nab these crooks is only going up.

The requirements should extend beyond a few diplomas. A fraud investigator should have integrity, honesty, and the ability to handle sensitive, confidential material with the utmost care.

Legal Investigations

There are times when even the best people in the justice system don't have the time and resources needed to give your case the attention you feel like it deserves. A private investigator can be an amazing supplement to police or attorneys, as long as they approach it with the right process.

First, each investigation should get a complete, top down review. They should talk to everyone connected with the case - police, doctors, relevant witnesses. They should find them, talk to them in detail, and get recorded and written statements. We also analyze and review documents and photographs. Digital evidence, physical evidence, public records - it all needs to be tracked down and then complied in a way that stands up in court.

Corporate Fraud

Trust can difficult when there's a lot of money or power at play. Training to detect anomalies in corporate accounting is practically a field of its own. Investigators need to evaluate financial statements, accounting practices and accounting compliance to root out potential trouble before it happens.

One of the hurdles in dealing with corporate fraud is that the criminals are savvier than the average criminal, and most people in the corporate chain of command don't have time to give thought to these kinds of problems - according to a study by PriceWaterhouseCooper, most fraud cases are stumbled upon completely by accident. But once a problem is discovered, a savvy investigator can track down the problem. When you're ready to hire, get someone who will:

Look at all the relevant reports - spreadsheets, memos, statements - for any signs of financial discrepancies.Where there isn't a paper trail, they should make one. A savvy criminal might wipe a hard drive - but a savvy investigator finds off-site backups or uses world-class recovery software to fish out information the suspect thinks they purged.Financial profiling is a timeless method. No matter how well you crunch the numbers, nothing is a stronger indicator that something's amiss than a simple investigation.Chart the suspect's stock options, paychecks, and investments, then talk to friends and co-workers to get information on their spending habits.

If you're looking for a fraud investigator, look no further. We know it's a serious problem, and stopping it is a mandatory expenditure no matter what the size of your business. Huntting PI is one of California's strongest investigative firms, and we're always ready to give a complementary consultation to businesses that want to know what they can do to secure themselves.

Visit our website at http://www.privateinvestigatorservices.org/ to schedule a free consultation.

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Asset Search: Five Situations It Can Help

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A business partnership that doesn't include an asset search is a bit like a going on a blind date that never ends. Sure, they can say nice things and charm you, but you'll always wonder how well you really know the person sitting across the table. And if you've ever dealt with a large sum of money, the sting of a failing relationship might be the only thing that compares to the hopes and dashed dreams of a business deal gone awry.

There are many situations in life where you wish you had known your partner better - and things are no different when you're making a financial commitment. They're intertwined. In fact, one of the most common instances an asset search is needed is right before marriage.

Whether it's your personal or business life, a thorough asset search conducted by a professional can save you plenty of doubt, and can help you immensely as you work to start your relationship off with peace of mind.

What Is An Asset Search?

In an asset investigation, a private investigator or an asset search firm looks into all the assets of a person or entity upon your request. A good firm will also investigate registered and unregistered aliases, corporate names, DBA's, partnerships, and every other name the subject does business under.

Once there's a solid base to work from, we investigate property, bank accounts, real estate holdings, credit, trust accounts, vehicles and even PayPal accounts. That's dynamite information, and it can expose very useful information about a person, if the search is carried out properly and professionally. If it isn't, you'll get nothing, or worse, you'll get legal problems. There are many reasons why a person may want to hire asset search services, especially from a private asset investigator. However, some reasons are more common than others. Let's discuss five of them in detail.

Divorce Litigation

A divorce is a very stressful time for almost everyone who goes through it. The emotional turmoil is painful, but the financial stress can be like torture! Usually, partners are weary of each other hiding assets so they'll be able to pay less in the final divorce settlement. Really, in a situation like this, the most amicable solution is to hire a private asset investigator together. This is a great show of faith, and when an independent third party can assure everyone involved that nothing is hidden, it's a great step towards a good faith negotiation.

Child Support

Sure, the court might have ruled in your favor, but your ex-partner might refuse to bring child support to the table. He/she might be refusing to pay on the basis of unemployment or lack of means - and I've seen plenty of cases where that's a genuine hurdle. I've also seen plenty of cases where a husband/wife pled poverty while pocketing their weekly check off the record.

In either case, if you are suspicious, a private asset investigator will be able to identify current employment and any hidden bank accounts they might be maintaining. This will help you get child support out of your partner, whether the non-custodial parent feels like paying it or not.

Judgment Recovery

Judgment recovery is a process that's carried out when a person has been served a judgment from the court for paying off his debt, but the actual payment never takes place. Here, the private investigator comes in, unearths the served person's assets and then negotiates with him for settlement of his debt. In situations like this, a deep asset check is almost mandatory. Let's be practical here - if you aren't doing everything possible to pursue a judgment, there is practically zero chance that the actual payment ever sees daylight. Once his assets have been blocked out and a negotiation takes place, further legal action can be taken if they still refuse to pay.

Business Litigation

Allow me to point out the obvious: trials... are expensive. You might be very right in suing your debtor, but if he doesn't have the means to pay you back, it will be a pointless exercise in principle that costs you very real money. To save yourself this kind of grief, you can go for an asset search and see what's being hidden from you. Usually, businesses require dedicated asset searching companies to carry out this task for them, but savvy small businesses and individuals have great success getting specialized PI firms to handle it. Furthermore, using a firm is going to be a good deal more discreet than using an asset searching company.

Disputes Over Private Wills

It is very common to have disagreements over private wills. Fighting between heirs can tear an otherwise copasetic family apart. Usually, the primary heirs feel like they've been double crossed or wronged by the executor of will when the results don't come out to their expectations. Of course, situations like this have an obvious problem: the owner of the will isn't exactly on hand to testify to the fairness of the operation. In cases like these, everyone involved can save themselves plenty of stress by conducting a thorough asset investigation. Normally, families prefer a private investigator for carrying this out, as they do not want their family disputes publicized.

Discretion is key in an asset search or any other kind of financially sensitive investigation. So when you choose a private investigation firm, it's critical to work with someone discreet and confidential. Huntting PI is more than prepared to deal with potentially noisy situations in a quiet and efficient manner. If you're in the market for any kind of financial investigation, you owe it to yourself to visit http://www.privateinvestigatorservices.org/ today.

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What Is Power of Attorney?

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A Power of Attorney is a written document that you can use to give another person the authority to act in your place. The person you name to act in your place is referred to as your agent and may only do what you have specifically authorized them to do in your document. They must also act in good faith and in your best interest. They cannot give their authority to somebody else to complete the task for them. You can also list a second person referred to as a co-agent to act in your place with your agent, either together or independently. If you want to be prepared for the possibility that the agent and co-agent you listed may be unwilling or unable to act for you, you can also name another person referred to as a successor agent to take there place if necessary. A successor agent will have the same authority that you granted to your agent, but cannot act until the agent resigns, dies, becomes incapacitated, unqualified, or have declined.

If the person who does act for you is an attorney or accountant, they may be entitled to reasonable compensation or reimbursement of expenses incurred on your behalf.

A power of attorney document becomes effective immediately after you sign it and remains in effect until the authority specifically granted in it is completed. The acts performed under a power of attorney are considered to be as legal and binding on you as if you had done them yourself. Any person who acts in good faith and accepts the power of attorney from the person you have authorized to act for you cannot be held responsible for accepting the document.

You may cancel the document at any time by giving proper notice to the person you had authorized to act for you. Until the person receives proper notice from you, any acts that the person completes for you in good faith is considered legal until they have received proper notice. The person you have authorized to act for you may also resign by giving you proper notice. Proper notice is given in writing and may be sent by first-class mail, hand delivered or faxed.

If you do not want your power of attorney to be terminated if you should become incapacitated, you can make it durable by adding to your document "This durable power of attorney is not terminated by subsequent incapacity of the principal" or similar words.

Disclaimer: This article is intended for general information purposes only and should not be construed as legal advice or legal opinions on any specific facts or circumstances.

This article was brought to you by Richie Hill on behalf of Legal Forms Bank.biz, a provider of low cost legal forms. You can download your state's power of attorney form at their Website, fill in the blanks on your PC, and then print it out. It's that simple!

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Bono, Cher, and the 'Seven Dirty Words' At the Supreme Court

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The "Seven Dirty Words" precedent, FCC v. Pacifica Foundation (1978), allowed the Federal Communications Commission hit the broadcasters up with heavy fines for airing profanities. On January 11, 2012, the U.S. Supreme Court has heard oral arguments regarding this case.

The 1978 precedent notwithstanding, prior to 2003 the FCC had largely given broadcasters a free pass for one-time uses of live unscripted profanities. For example, Fox was not fined when singer Cher dropped the F-bomb in her lifetime achievement award acceptance speech in 2002. The FCC did not fine Fox for a similar incident with a reality-show personality Nicole Richie.

Bono, however, was the straw that broke the FCC's back in 2003, when he explained on air how "really, really f---ing brilliant" it was for him to win that year's Golden Globe. The broadcaster was sanctioned, and in the same year, ABC and its affiliates were fined $1.4 million for showing bare buttocks of actress Charlotte Ross in an episode of "NYPD Blue." ABC tried defending itself on the ground that there was no frontal nudity and bare bottom is not a "sexual organ," therefore, the ambiguous FCC policy should not cover Ms. Ross's buttocks.

In a 2007 ruling that Bono would probably call "f---ing brilliant," too, the Second U.S. Circuit Court of Appeals in New York finally agreed that the current FCC policy is unconstitutionally vague and sent the FCC back to the drawing board. Today, the Supreme Court again attempted to balance the FCC's right to regulate air against broadcasters' rights to free speech and due process. The broadcasters argued that the FCC rules are burdensome and unpredictable. For example, the FCC punishes particular vulgar language in some shows but not in the movie "Saving Private Ryan." Allowing the FCC to use its own artistic judgment instead of clear legal standards that apply to everybody can be viewed as a form of censorship that chills protected expression. The pro-regulation side pointed out that the rules only apply between the hours of 6am and 10pm, when children are more likely to be watching, and the networks are free to be as indecent as they want outside of those hours. This, of course, is not good enough for broadcasters, because it includes the prime time hours.

Justice Sonia Sotomayor is not taking a part in the proceedings because she served on the Second Circuit Court of Appeals when that court considered some of the issues. The Supreme Court decision in the present case, FCC v. Fox Television Stations, 10-1293, is expected this summer.

San Diego business Lawyer Sergei Tokmakov. Call now (858) 205-5665 with any questions regarding your case or visit his website for more - free business law updates.

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On injury attorneys and assuming the best

Injury attorneys are professionals dedicated to the good will of a person aggrieved. This is the lawyer who fights for the right individuals and stands up for their rights in the context of what is permissible by law with a view to ensuring that they get appropriate compensation and fair treatment that they deserve after an injury. Injury cases are unique and dependent on the particular circumstances, and this means that one needs to take the predictable accident attorneys.

Each time you get involved in the accidents, experience a slip accident or personal injury, it is easy for your world to change radically and assumes that the injury attorneys help you in every way conceivable. Some of the things that you suffer physical and financial include emotion. The advocate helps you as you move through the healing phase and provides the following: legal advice; They offer legal representation in a Court of law; they carry out research on your own and play out the scenario where the incident occurred; they keep you up-to-date on developments made in the case if you are incapacitated or hospitalized due to an accident.

Why you need injury attorneys

Lawyers of slip and fall back and the following are some of the main reasons that make the services they have to offer. For starters, they have the knowledge to collect evidence about the incident and to ensure that they are well represented. In most cases, when an accident occurs, the attacker will find all possible loopholes to ensure they do not pay for damages. The lawyers ' job is to ensure that every accident lawsuit he is strongly built in order to increase the probability of winning the case.

With the help of these lawyers, you can get the compensation that you deserve so rightly. This is something that cannot reach on his own account and for this reason that you need these services, if they have been involved in any accident or slip and fall case. They have your best interest at heart and as such, it is easy for them to represent you so distorted and this increases your chances of winning the case.

Hire the best injury attorneys

With the increasing number of lawyers of bias, assuming the better it is important and there are a few things that you need to consider in order to achieve this result. Some of these are as shown below. There are some lawyers who handle certain kinds of cases alone, and as such, you should know that guy who is before committing yourself. It is important to research extensively before you hire a lawyer. In this case, you must read the reviews and consider the type of experience, that the lawyer has. This is important, because it is the only way to ensure that they can represent well in court and also increases your chances of winning a case. In terms of payment, we recommend that you use the services of lawyers that injuries do not ask for payment until after you have won a case.

Looking for Toronto personal injury attorney? Then contact accident Toronto lawyers and discover how their legal team Toronto injury lawyer can help you get the money you deserve.

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Does Misdemeanor Affect Credit Score?

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A credit score gives an overview of a person's credit history spanning the last 7 years. This information gives an idea about the person's borrowing and repayment abilities. The information is compiled based on the data that credit bureaus receive from different lenders. A credit report does not highlight a person's criminal record. Hence, if a person is convicted for misdemeanor, it will not reflect in his/her credit history, and the person's credit score will not be affected. But having a misdemeanor can ruin a person's chances of getting a job or even renting house. Many organizations and landlords do a criminal background check on people along with a credit check.

Whenever a person borrows money, the lender will report the same to the credit bureau. This information is then converted into a 3-digit credit score. The bureaus do not divulge how the come to the score, but it takes into consideration the amount the person owes, the repayment behavior, the duration of the person's credit history, the different types of credit that the person uses, and the number of credit applications that the person has. Each time a person borrows, the potential lender will write to one of three major credit bureaus and request for the person's credit score. The score allows the lender to check whether the person is credit worthy and has the ability to repay the borrowed sum. The lower a person's credit score, the riskier he/she is. Such people either are denied the money or are lent money at exorbitant rates. On the other hand, people with high credit scores are lent money more easily and at competitive interest rates.

A credit report will have the person's name, date of birth, address, Social Security Number, driver license number and address. It will include information of the person's employment. Furthermore, the report will highlight the amounts the person has borrowed and repaid over the last 7 years, including bankruptcies and liens. If the person has defaulted on a debt or missed out on an installment payment, it will be reflected in the report.

The credit report does not include data pertaining to a person's income or savings. It does not mention anything about the person's criminal record, religious beliefs, medical history or sexual orientation. The fact that a report does not highlight any criminal record means that a misdemeanor will not appear on the credit report. This information will be available if a criminal background check is performed. The misdemeanor will always be present in a person's criminal record, and may prove to be a hindrance when searching for a job. A misdemeanor will have no bearings on a person wanting to get a mortgage or credit card, but it could pose a problem when he/she wants to rent a home.

About Author:
Kum Martin is an online leading expert in laws. He also offers top quality articles like:
Misdemeanors And Felonies,
Get Misdemeanor Dismissed

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Your Probate Solicitors Can Help Secure Grant of Probate

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Grant of probate gives the executor or executors named in a will the authority to deal with the deceased's estate. This can be dealt with solely by the executor. Alternatively, he or she can seek probate legal advice and ask specialist probate solicitors to make the grant application on their behalf.

These grants of representation are made to the Probate Registry. This body issues different types of grant. Firstly there is the grant of probate where the will names one or more executors. Second there is the grant of letters of administration where the will named no executors, those named do not wish to undertake the task, or they are unavailable.

Specialist probate solicitors will be able to advise on the intricacies of the law and make the application if necessary.

Applying for a grant is not always necessary. This is particularly so if any family property is jointly held and passed on to the surviving spouse/partner. Similarly, if there is a joint bank or building society account it may not be needed, though these institutions may need to see a death certificate. Also if the amounts of money in any account are small they may be able to be released without probate.

Who can actually apply for grant of probate is determined by law. The executors will receive a grant. If no executor has been named then the grant will be to the person set to inherit the largest amount from the will. If no will has been made then the next of kin will be able to make an application for the grant.

It should be understood the task of executor carries an enormous amount of responsibility. These responsibilities might include checking the will's validity, dealing with any requests from beneficiaries to modify the share out, setting up trusts and then managing them, calculating any inheritance tax liability as well distributing the estate to the beneficiaries. And this list of tasks for the executor is by no means exhaustive. However, assistance is available for those who want it, particularly advice and practical assistance from specialist probate solicitors.

Admittedly, probate legal advice can seem costly. Hourly fees are charged and/or a percentage of the estate. However, by engaging specialist probate legal advice the executor will not only be guided through a legal minefield and spared much of the stress and strain. This is why the help of specialist probate solicitors in such circumstances are so important.

Bonallack & Bishop are solicitors providing probate legal advice. If you need advice then contact one of their UK Probate Solicitors today. Senior Partner Tim Bishop is responsible for all major strategic decisions.

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Chapter 7 Attorney Helps Improve Financial Outlook

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A Chapter 7 attorney is an experienced legal counselor that can help get you back on track toward regaining your financial freedom. The nation's economic crisis and housing bubble has left a lot of individuals, families, and businesses high and dry when it comes to making monthly payments on their bills. Some of us are so far in debt it doesn't seem there is a way out and we often can't tell up from down. If you are struggling with overwhelming debt and loans to creditors, it may be time for you to learn more about the services of a Chapter 7 attorney.

There are several different types of bankruptcy that an individual can file when they are looking for relief from their debt. Chapter 7 and Chapter 13 are two common types that can either involve or protect personal assets in the process of liquidation. If you are uncertain which type of bankruptcy may be right for you, it would be in your best interest to schedule a consultation with a Chapter 7 attorney. He or she will be able to answer all of your questions and address any concerns you may have about the process. Appropriate legal counsel along the way ensures that the process is completed in a smooth and timely manner. By hiring the right legal team, you can ensure that your best interests are kept in mind and that the process is completely promptly and efficiently.

For many families and individuals, Chapter 7 attorney services can help turn around overwhelming debt and give them a fresh start with a new financial future. This may be the ideal solution to your financial distress and a team of legal professionals can help you better understand the entire process. There are a number of ways you can take hold of what can feel like an uncontrollable situation. Ensuring you have the best legal counsel for your bankruptcy management is one of the best ways to take your future back in your hands. The safety and well being of your family may depend on it. Learn more about different types of bankruptcy today and determine if this plan is right for you. Most law firms provide free evaluation services to provide a comprehensive review of your current situation so that they can best suggest a plan of action for your financial needs. Don't get behind another month in your bills. Contact a Chapter 7 attorney in your area today for more information.

Contact an Austin chapter 7 attorney today and have a plan for the future. To learn more about your options just visit: http://www.rushingbankruptcy.com/.

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A Simple Last Will and Testament Can Be Costly

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A simple Last Will and Testament can be purchased for about $100 or even less depending upon the lawyer. It is possible to do it yourself if you have access to forms and understand the statutory formalities. Some legal document subscription providers have banks of legal forms available for little or no charge at the click of a button. We are told that a Will "speaks at death" telling the world, and the courts, what to do with our property when we die. We go to bed at night with that warm fuzzy feeling that when we die everything is taken care of and it only cost a hundred bucks!

So what's the problem? If everyone is happy with the distribution who is going to complain? Well, what if everyone is not happy with the distribution? What if Uncle Sam complains? The estate does not pass as the testator intended it to pass. The court will determine the fate of the testator's property when it reads the Will and considers any claims, exceptions and lawsuits that follow. If the document is obsolete or turns out to be defective in some manner, large chunks of the estate could be intercepted by those we meant to disinherit, former spouses, former friends and associates, their lawyers, and Uncle Sam. The effects of the unintended consequences could be ruinous to the estate and to those we intended to enrich.

"So why have a Will, it sounds like it's more trouble than it's worth."

A properly drafted last will and testament will hold up in court. An important point is that anyone considering a challenge will have to hire a lawyer to evaluate their potential claim. A properly drafted last will and testament will discourage unmeritorious and frivolous claims when the person considering the challenge is advised by their own legal counsel not to bring the claim. Bear in mind that estate plans need to be reviewed periodically because of inevitable change. The Will you made twenty years ago is simply not the Will you need today. The likelihood of an unintended consequence, a very costly unintended consequence, is just too high.

If you have a Will, consider modifying or eliminating those specific gifts of money or property that you wanted to make at the time. Reassure yourself that the executor, and any alternate executors, appointed in the Will are still good candidates for the job. With regard to specific disinheritances, consider making fixed or nominal gifts instead. Know the difference between a living trust and a testamentary trust. Know the difference between a power of attorney and a durable power of attorney. Know the consequences of a simultaneous death with the principal beneficiary under the Will. Know what the unified credit for estate and gift tax purposes is. Know the annual gift tax exclusion. Keep detailed accounts of all of your financial activities for tax purposes and visit your estate planning attorney's office at appropriate intervals for revisions to the plan.

Larry Hankins is a Las Vegas attorney in general practice for over 16 years. As a husband and father himself, he knows the time, patience, love and money required to raise a family. "Don't take chances with the future and don't wait to take the important steps you need to take today." Email Larry Hankins at larry@larryhankins.com for more insights into effective and affordable estate planning.

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Most People Won't Learn About Insurance Fraud Investigators Until It's Too Late

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According to the Coalition Against Insurance Fraud, insurance fraud costs Americans 80 billion dollars a year. The perpetrators of this kind of fraud aren't usually hardened criminals with reset noses and a constant sneer - usually, these crimes are committed by smart people who think of fraud as a way to make a bunch of money without working for it. But awareness can stop them dead in their tracks. Read along and learn some of the main types of insurance fraud, what you can do to prevent it, and where to go for help.

Workers Compensation Fraud

Legitimate workers compensation is a godsend to so many hard-working people who have a run of bad luck. But workers comp fraud comes in a variety of forms, and it's tough for a business owner to have his eyes open for all of them. But when a worker:

Refuses to disclose a nagging injury he had before signing on,Claims he got an injury on the clock when he got it after hours,Fakes or exaggerates an injury,Collects benefits from more than one employer for a legitimate injury, orWorks one place while getting workers comp from another employer

They aren't just skimming a little bit off the top. They're committing a crime. As a preventative measure, companies might refer injured workers to clinics they trust to report honest information. But once they suspect there's fraud in place, a private investigator can conduct interviews, do surveillance, and run background checks on their medical history and claim history.

Automotive Fraud

Investigation for this kind of fraud isn't easy to track, and it's distressingly common. When a staged rear-ender happens, or a legitimate accident is exaggerated, a claimant can collect a sizable amount on their auto insurance policy. The cons don't stop with phony car thefts and falsified applications - there are even recorded incidents of scammers getting insurance on cars that never existed in the first place!

But there are also countless unique, external factors that can create a legitimate accident. Whether it's the weather, the condition of the roads, or the speed of the vehicles involved, they can all make an impact on the damage the cars involved. Those differences can be subtle, but make no mistake - they do exist. A single missing detail can unravel a tangle of lies and help everyone involved determine who, if anyone, is liable for an accident.

Medicare Fraud

There are two major kinds of Medicare fraud. The first is called member fraud, and happens when a policy holder withholds vital information from their provider. The second is much more common - it's called provider fraud. You can protect yourself by staying away from:

Telemarketers and door to door salesmen.Companies that waive co-payments and don't check your ability to pay.Salesmen that aggressively sell you on stuff you don't need.Strange information and rumors about "secret" changes to the Medicare program.Anybody that asks for access to your Medicare card. For any reason.

If you run into any of these, it's a good sign something's up. If you suspect something's gone wrong, get a PI. They'll usually look into your Medicare Summary Notice and check it for irregularities.

We're insurance fraud investigators that work with honesty, integrity, and an open mind - and we try to benefit our client whether he's a wealthy employer or a regular guy that's down on his luck. If you're worried that you or someone you know might be a victim, visit our website at http://www.privateinvestigatorservices.org/, and within minutes, you can schedule a personal consultation that addresses your unique situation.

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Why Litigation Funding Is a Leading Option in the Legal Financing Industry

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What To Look For When Choosing A Family Law Solicitor

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It is an unfortunate fact then when choosing a family law solicitor most people are at a stressful period in their lives. It is important, therefore, that your solicitor, as well as being experienced, is understanding, accessible and reliable. Like any buying decision, it's worth carrying out some basic due diligence before making a choice. As always, by far the best way of choosing a solicitor is by word of mouth from a trusted friend - this way you know that there are no vested interests. Failing that, some other basic steps should enable you to choose the right solicitor for you and your circumstances.

The primary requirement is to find a solicitor who is experienced in the particular area of family law you require assistance with. Ideally, he or she will have at least several years experience with cases similar to yours. This not only provides reassurance, it also means that your case is likely to progress more quickly and smoothly. You shouldn't be paying for your solicitor to get up to speed.

Ideally you should also be able to meet your solicitor in person. Although it is technically possible provide legal services via telephone and email, a face to face meeting can be much more productive. This is especially relevant when, as is likely, you will be discussing sensitive family matters. At the very least, your first meeting would be much better conducted in person. After this, it may be possible, or even beneficial, to conduct proceedings remotely.

Cost is always a consideration when choosing legal services - but it should not always be the deciding factor. As with everything in life, cheapest isn't always best. It's important to establish in up front whether you will be charged a fixed fee, or be paying an hourly rate. Either way, being able to pay in instalments is a good option to ease demands on your cash flow.

With a little care, choosing a family law solicitor should not be too stressful. If you follow the advice above, you will be in a position to make a well-informed choice. Once your solicitor is appointed, he or she will be able to not only provide the legal advice you require, but help you through a difficult time in your life. By initially making a careful choice of solicitor, your problem will be brought to a satisfactory conclusion quickly, sensitively, within budget, and with the minimum of stress.

For more information on a family law solicitor

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What To Do In Case Of Internet Harassment?

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As more and more people are using the Internet, harassment through the Internet has become a major problem. Things like cyberbullying and cyberstalking are rearing their ugly heads quite commonly. These threats should be taken seriously; otherwise they can affect a person's wellbeing, both physically and mentally.

When a person is being harassed through the Internet, he/she should first evaluate the seriousness of the harassment. Many people can say hateful words or even slander another person due to the anonymity offered by the Internet. It could just be rudeness. On the other hand, hate speech or threat should never be ignored.

If you feel that you are being subjected to Internet harassment, make a record of all the comments and emails that you get from the harasser. If necessary, even make screenshots of the comments in forums and other webpages. Print out all the evidence, so that you have a hard copy.

Set up a Google Alert for your name and nicknames, so that you can track all comments that mention your name across the cyberspace.

Often Internet harassment begins when a person's email account is hacked. So, it may be useful to change the passwords of your email accounts. Try using a combination of numbers and letters to make the passwords more secure.

If the harassment becomes unbearable, report the matter to the relevant authorities. The FBI has a special branch to track online crimes. You can report the harassment to this branch. If the harassment has reached your doorsteps and is no longer restricted to the Internet, report the matter to the local law enforcement agency. You can also report the person to their Internet Service Provider, but do this reporting cautiously. At times, the Internet Service Provider may discontinue the harasser's Internet connection, but this can further aggravate the situation. The harasser may begin harassing you even further. So, consult the police before reporting the person to his/her Internet Service Provider.

Do not communicate with the harasser. Do not even attempt to threaten the harasser by saying that you will take legal action against him/her. Instead stop all forms of communication.

While it may seem impossible, try to stay calm through the entire process. Most of the times, you will not know who the harasser is. So, you are unaware of the extent the person may go to. The last thing you need is the Internet harassment reaching your doorsteps. If this should happen, make sure you report the matter to the police without delay.

Internet harassment should be taken seriously, especially where children are involved. There have been cases of children harming themselves after being cyberbullied. So, parents should be vigilant.

About Author:
Kum Martin is an online leading expert in laws. He also offers top quality articles like:
Bullying and Harassment,
Discrimination and Harassment

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Los Angeles Bail Bonds

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Integrity is an imperative factor in determining a reliable bail bonds agency in Los Angeles. In this industry this statement is particularly crucial as an individual who is attempting to bail another out of legal issues should first ensure that they are operating within the legal system to get this done. What can I expect to pay for a bail bonds agent in LA? California law states that a bail bondsman has to charge 10% of the bail fee set by the court. Any increase or discount to this number is a violation of California's legislation on commercial bail.

Los Angeles County has a population of approximately 9,818,605 while the City of LA has 3,792,621 people residing in it. Theft and larcenies are the number one crime in the City of Los Angeles with figures exceeding 56,000. This is followed by vehicle thefts, burglary, robbery, aggravated assault, rape and murder in the order listed above. With such high crime statistics, the question is raised: how necessary is the bail bonds industry in the City of Los Angeles?

Can a bail bondsman offer discounts or coupons for services? The answer to this question is no, offering a discount or coupon on bail bonds services is also illegal in California. In addition to this if a bondsman is offering financing they are mandated to offer this service at 0% interest as defined by the State of California.

Should a bondsman be able to help me with the legal process involved in bail? Yes, a bonds agent should be an experienced professional and they work with these legal processes for a living so they should possess a clear understanding of these processes and be able to explain them in an understanding manner.

What is the estimated time frame on securing a defendant's release after posting bail? This is a difficult question to answer and there is no set response. A bondsman can provide an estimated time frame based on previous experience, however the process relies on a variety of 3rd party factors and primarily on the judge's schedule and discretion, so determining an accurate time frame can sometimes be nearly impossible.

Ensuring that a bondsman or a bail bonds company has the proper licensing is another key factor in selecting a dependable agency. California law states that a bondsman cannot process or receive a potential customer's information without having the proper license. Asking a potential bail agency if they are licensed should be one of the first steps a customer does when they consider a company.

In a metropolitan city such as Los Angeles there are a lot of competing bail bonds companies that are trying to attract business. Although this is a healthy competitive industry there are also fraudulent companies that may be trying to make a quick buck. Understand the correct course of action, process, and legislation for the bail bonds industry is key to selecting a reliable bondsman in LA County. If an offer sounds too good to be true, or a bondsman is to push in attempting to acquire your business there may be some ulterior motives driving this behavior.

If you are facing legal troubles yourself or are acting on the behalf of a loved one, family member, friend or co-worker, it is vastly important to ensure you are operating within the legal system to resolve these issues. Working with a shady or illegal bonds company in the attempt to receive a better rate is only taking a step deeper in the legal troubles that an individual is attempting to resolve. Educating yourself on any industry before making a purchase or commitment will always increase your chances of receiving the best quality services.

Bail Bonds Guys is a Los Angeles Bail Bonds company dedicated to providing the best information on the bail bonds industry.

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The Best Way To Make A Car Accident Claim

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Bankruptcy Code Section 523(a)(9) - The Dischargeability of DUI Debts in Bankruptcy

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According to Section 523(a)(9) of the Bankruptcy Code, debts related to death or personal injury caused by a debtor's drunk driving cannot be discharged in bankruptcy. This provision of the bankruptcy code does not specifically address property damage caused by a debtor's drunk driving. Therefore, property damage caused by the debtor's drunk driving can typically be discharged in bankruptcy.

One caveat to this rule, however, is property damage caused by the debtor's willful or malicious acts while drunk driving. In such an instance, the provisions of Section 523(a)(6) become applicable, which prohibit the discharge of debts "for willful and malicious injury by the debtor to another entity or to the property of another entity." Showing the proof necessary to prevent discharge for willful or malicious acts is much more difficult, however, because such property damage debts are generally held to be incapable of discharge under Section 523(a)(6).

The inability to discharge death and personal injury related drunk driving debts under Section 523(a)(9) applies to all forms of bankruptcy and therefore cannot be discharged under a Chapter 13 "super discharge." A creditor need not file an objection, complaint or appear in the bankruptcy proceedings to prove that such debts cannot be discharged. In fact, the creditor may seek to prove this fact in a court other than bankruptcy court and may pursue any and all normal collection practices following bankruptcy proceedings initiated by the debtor.

There is no requirement that the creditor of such a debt obtain a judgment defining the value of the debt, in order to make the claim incapable of discharge. In fact, there is no requirement that the debtor have even been convicted of a DUI offense for such a claim to survive a bankruptcy proceeding. Rather, the creditor must show only that the debtor was intoxicated under state law, that the debtor operated a motor vehicle while intoxicated, and that the claim for personal injury or death is a result of the operation of that motor vehicle, all by a preponderance of evidence standard. The creditor need not prove that the intoxication, in fact, caused the injury or death sought.

This exception to the general rule of discharge of debts in bankruptcy is due to Congress's wish to take a strong stance in opposition to DUI-related injuries. It is for this reason that the Bankruptcy Code, although generally favoring debtors, starkly opposes that general position in this particular provision.

Roger Priest, Attorney at Law is a Portland Oregon Bankruptcy Attorney who represents Oregon clients in both Chapter 7 and Chapter 13 bankruptcy. This article is not designed to be particularized legal advice for every situation and does not create an attorney-client relationship with Roger Priest. Therefore, call Roger Priest at (503) 222-7792 for help with your particular case.

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As a disability lawyer can help you with social security benefits

If you suffer from a disability, can be in your best interest to hire a lawyer of social security disability to protect your rights as well as to fight for them. An experienced lawyer can help in many ways that may not be able to help themselves. The lawyer you hire may sure that applies to every one of the disabilities that qualify for. It is not uncommon for disability claims for missing in Office or not to be processed in a timely and efficient. With a disability lawyer working on your own, you can be assured that nothing will go wrong with your complaint once it has been filed with the appropriate agency. Your rights as an actor can be preserved and your legal counsel can ensure that that doesn't happen.

The lawyer you retain can take a closer look if any application of old who had settled in the past can be reopened at a later date. This is something that can not think of doing it yourself and it is something that maybe you don't know how to do, but your lawyer will know how to make the disability. In most cases, provided that the application of social security has not filed any further back three or four years ago can be reopened. This is good news for the applicant because it means that can benefit from advantages that could mean back hundreds or even thousands of dollars more in your pocket.

Tell your lawyer of disability if you have never submitted an application for social security benefits. If you have the necessary documents to verify that placed a call or wrote a letter to the social security administration and then make sure you show them to your lawyer. If you can produce a copy of the old application that can work for your account and you can also make the social security Attorney workplace much easier.

Another way a disability lawyer can be of benefit to you is that it can examine carefully and thoroughly and then evaluate the case that you present to him. After that he did well to become familiar with it that he can then suggest to you a strategy that you feel might win what you are looking for. Social Security attorneys deal with cases like yours all the time and then have a good idea of what works and what doesn't. If your legal representative feels that your case can be won then he will be able to determine, as the case may be addressed to make it a winner.

A lawyer can not guarantee that you will win your case, but his years of experience of similar cases to your management can help you feel safe and comfortable that you have a strong case to present.

A disability Attorney in Los Angeles will ensure your case is heard and Justice gets served. Make an appointment at the following site: http://www.disabilitydiscriminationca.com/.

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Can I Become a Law Enforcement or Police Officer If I Have a Criminal Record?

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Most law enforcement or police departments or federal law enforcement agencies have eliminating standards. This means that the elimination stamp will be placed on your application depending on the crime you committed and what you were actually charged with. If you committed and were charged with a misdemeanor - your application will not be regarded as highly as others applying for the same position, but you will still be eligible for hire. However, if you have a felony charge on your record that is an automatic rejection from becoming hired unless you have been pardoned by the charges or have proved to be an outstanding model citizen since the crime. That all really depends on the department which is hiring you. If you do have a criminal record, be honest about your crimes, the charges but explain why you committed those crimes, what you learned from your mistakes, and how you would use that experience to help others and yourself as a law enforcement or police officer.

Discuss things with your employer that this crime occurred when you were in a desperate situation if it was a robbery or that you were merely young and immature. Also, mention the pros and cons of how the crime that was committed years ago has altered your character in a way that is positive and helpful to the community you now wish to serve.

Crimes happen and you were one of those who were tempted into committing one. Talk to your employer on how you would never do something like this again.

Some agencies such as the FBI (Federal Bureau of Investigations), DEA (Drug Enforcement Agency), United States Marshals Service (USMS), and the Department of Homeland Security (DHS) will not review your application at all if you have a felony charge. But there are ways of getting yourself noticed.

Things to do before applying if you have a criminal record:

*Seek a pardon from a judge or prosecutor who charged you for the crime.
*Speak to the director of the department or agency about why you deserve the job.
*Volunteer and add some community service to boost up your resume and interviewing skills.
*Write a letter explaining the events that took place, how you were wrongfully charged, why you are still innocent after being indicted, what you learned from the experience, how the experience can help you contribute to the agency or department of law enforcement which you are applying for.

Founder and Editor of http://lawenforcement-hq.com/
Your source for law enforcement and police training!

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How To Deal With Workplace Bullies Under Victorian Law

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In the state of Victoria there is no specific legislation defining what bullying means. The only State in Australia which has tried to define bullying is South Australia, which includes a definition of bullying in Occupational Health and Safety Legislation.

Lawmakers in Victoria did not want to create a statutory definition of bullying so the Parliament decided that it would try to deal with people engaged in bullying by changing the definition of the crime of stalking in the Crimes Act 1958 (Vic).

Not only do the changes introduce a criminal offence of stalking, but also create an offence of "serious bullying" to cover very serious cases of bullying such as that which resulted in the suicide of Brodie Panlock. If a person is convicted of the crime of serious bullying they can be subject to penalties of up to 10 years imprisonment.

What kind of behaviour will satisfy the definition of 'serious bullying' under the new laws? The offence of stalking consists of behaviours like following a person, keeping them under surveillance or interfering with their property. The changes to the law relating to bullying type behaviours now fall under the stalking laws. Therefore if you believe you have been a victim of "serious bullying" you need to look firstly at what type of behaviour amounts to stalking.

A person, (the offender), stalks another person (the victim) if they engage in a course of conduct which includes the following:-

- making threats to a person

- using abusive or offensive words to or in the presence of the victim

- performing abusive or offensive acts in the presence of the victim

- directing abusive or offensive acts towards the victim and acting in a way that could reasonably be expected to cause physical or mental harm, including psychological harm, to the victim. Harm includes self-harm.

A course of conduct involves engaging in contact with a person which could reasonably be expected to cause the victim to physically harm themselves. A person can only be found to have breached stalking laws if it can be proven they engaged in stalking conduct with the intention to cause physical or mental harm to the victim, or arousing apprehension or fear in the victim for their own safety or that of another person.

How do you prove a person has such an intention? A person will be considered to have such intention if they knew or ought to have understood, in all of the circumstances, that their conduct would be likely to cause you harm or apprehension.

'Causing physical or mental harm' includes causing a person to engage in self-harm or have suicidal thoughts. This provision was specifically directed at addressing the circumstances which arose in the Brodie Panlock case where the victim bullied to such an extent that she committed suicide as a result.

If you are a victim of workplace bullying in Victoria, there is an offence of bullying under stalking laws in the Crimes Act 1958 (Vic). If you are a victim of stalking you can still also obtain an Intervention Order pending any offence being dealt with under the criminal law if serious enough.

For the victim to obtain a stalking order, a court only needs to be satisfied on the balance of probabilities, that the respondent has engaged in stalking and is likely to continue to do so to a civil standard.

Adele Pace writes in the area of ecommerce, cyberlaw, intellectual property and online trading. http://www.pacelegal.com.au/

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Do You Have A Case For A Hip Recall Lawsuit?

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There are few if any medical procedures that come with a 100% success rate. Even so, no person should have to suffer when they receive a medical procedure or product that leads to complications or pain and suffering. When a case of pain and suffering caused by a medical product or intervention such as a hip replacement occurs, there may be a case for a lawsuit seeking compensation for that pain and suffering. For Florida residents that have any questions over whether or not a particular medical product or intervention is causing pain and suffering that is eligible for compensation, a Miami Medical Malpractice Lawyer can help determine if there is case for a lawsuit. When it comes to the medical product of a hip replacement, an attorney such as this or a hip recall attorney can help those receive compensation for their pain and suffering.

When it comes to a hip implant or replacement, for those that are suffering from hip degeneration, the device can be a lifesaver in terms of bringing back the quality of life for an individual that has been disabled as a result of hip problems. The problem with this device however is that as effective as they can sometimes be, they only work for approximately fifteen years. As such, a repeat surgery fifteen years later is often required to ensure that individual maintains their quality of life they resumed following a hip replacement surgery. Unfortunately, a hip replacement is still an implant of a foreign body into the human body, and if the initial hip replacement proves to be defective, as is often the case, a revision surgery will be required much sooner than originally anticipated.

There are few medical devices on the open market without a rate of failure. So long as this rate remains low, there are few issues for patients that receive these products. When a significant number of individuals face difficulties from the same product, the companies that manufacture the products are responsible for recalling those products and compensating victims that have suffered as a result.

The primary issue with hip replacements is that the devices used as the hip replacement become loose within a short time period following the replacement. In other words, the hip replacement loosens from the hip bone and this leads to the individuals becoming disabled again. The procedure that was intended to get their quality of life back, winds up creating more problems. Common complications arising from a defective hip replacement include pain and discomfort, difficulty in standing up, difficulty in walking, and in some cases difficulties and severe pain when any mobility or movement occurs. When these complications arise, the surgery known as revision surgery will occur to correct the problems. If the hip replacement in question has come from a company that has manufactured a recalled product, often times the company will offer to pay for the revision surgery.

Many patients will say that if the company has offered to pay for this second surgery, why would a hip recall lawsuit be necessary? The answer rests in the fact that if a company has taken advantage of their consumers by providing a product they know is ineffective, their responsibility for compensation goes above and beyond paying for a second surgery as this individual has already suffered severe impacts to their quality of life as a result of this defective product. A hip recall attorney can greatly assist individuals seeking compensation for their pain and suffering as a result of a defective hip replacement.

A qualified Miami Medical Malpractice Lawyer from the team of Friedman, Rodman, and Frank can help ensure you get the results you need from your hip recall claims and lawsuits.

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8 Costly Mistakes to Avoid When Planning for Your Special Needs Child

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Proper estate planning is important for everyone, regardless or age or wealth, but for parents of a special needs child, smart planning is essential. Improper planning (or worse, no planning at all) could leave your child without the resources he or she so desperately needs, or even disqualify him/her from vital government benefits. This article addresses 8 common, and costly, planning mistakes that such parents must avoid if they want to protect their special needs child.

COSTLY MISTAKE #1: Disinheriting the child. Many disabled people rely on SSI, Medicaid or other government benefits to provide food and shelter. You may have been advised to disinherit your disabled child (the child who needs your help most!) to protect that child's public benefits. But these benefits rarely provide more than subsistence, and this "solution" does not allow you to help your child after you are incapacitated or gone. When your child requires -- or is likely to require -- governmental assistance to meet their basic needs, you should consider establishing a Special Needs Trust.

COSTLY MISTAKE #2: Ignoring the special needs when creating a trust for the child. A Trust that is not designed with your child's special needs in mind will probably render your child ineligible for essential benefits. The Special Needs Trust is designed to promote the disabled person's comfort and happiness without sacrificing eligibility. Special needs can include medical and dental expenses not covered by Medicaid, cutting edge or non-traditional treatments or therapies, necessary or desirable equipment (such as specially equipped vans), training and education, insurance, transportation, and essential dietary needs. If the trust is sufficiently funded, the disabled person can also receive computers, books, games, vacations, movies, payments for a companion, and other self-esteem and quality-of-life enhancing expenses -- the sorts of things you now provide.

COSTLY MISTAKE #3: Creating a "generic" Special Needs Trust that doesn't fit. Even some Special Needs Trusts are unnecessarily inflexible and generic. In most cases, an attorney with some knowledge of the area can prevent a trust from invalidating the child's public benefits; however, many trusts are not customized to the child's specific needs. As a result, the child fails to receive the benefits that the parent provided when they were alive. Another mistake is when lawyers put a "pay-back" provision into the trust rather than allowing the remainder of the trust to go to others upon the death of the special needs child. These pay-back provisions are necessary in certain types of Special Needs Trusts -- and not necessary in others. An attorney who knows when they should be used can save your family hundreds of thousand of dollars, or more.

COSTLY MISTAKE #4: Procrastinating. Because none of us knows when we may die or become incapacitated, it is important to plan for your special needs child early, just as you would for other dependents, such as minor children. Unlike other beneficiaries, your special needs child may never be able to compensate for your failure to plan. A child without special needs can obtain more resources as he or she reaches adulthood and can work to meet essential needs. Your special needs child may not have that opportunity.

COSTLY MISTAKE #5: Failing to invite other people to contribute to the trust. A key benefit of creating the trust now is that your extended family and friends can make gifts to the trust or remember the trust as they plan their own estates. In addition to the gifts and inheritances from other people who love your child, you can leave your own assets to the trust in your will. You can also name the trust as a beneficiary of life insurance and retirement benefits.

COSTLY MISTAKE #6: Choosing the wrong trustee. During your life, you and your spouse can manage the trust. When you and your spouse are no longer able to serve as trustee, the person or persons you specify in the trust instructions will become the new trustee, such as a professional trustee or a team of advisors. Make sure that whomever you choose is financially savvy, well-organized, and ethical.

COSTLY MISTAKE #7: Relying on your other children to use their money for the benefit of your special needs child. This can be a temporary solution, such as during a brief incapacity, if your other children are financially secure and have money to spare. However, because of the potential problems, this solution will not protect your child after you and your spouse have died or when siblings have their own expenses and financial priorities. For example...

What if your child with the money divorces? His or her spouse may be entitled to half of the funds and will not likely care for your special needs child.
What if your child with the money dies or becomes incapacitated while your special needs child is still living? Will his or her heirs care for your special needs child as thoughtfully and completely as your child with the money did?
What if your child with the money loses a lawsuit and has to pay a large judgment or has other creditor problems? The court will certainly require your child to turn that money over to his or her creditors.

When you create a Special Needs Trust, you protect all of your children. The trust facilitates easier record-keeping and allows your other children to rely on the assistance of a professional trustee, if needed. Siblings of a special needs child often feel a great responsibility for that child, as they have all of their lives. When you provide clear instructions and a helpful framework, you lessen the burden on all of your children and build a loving, involved relationship that benefits your child with special needs.

COSTLY MISTAKE #8: Failing to protect the special needs child from predators. Thieves, con men and other criminals look to take advantage of those who are most vulnerable, like your special needs child. A child trapped in the system with precious little resources and without anyone to look after their affairs can easily fall prey to these predators. When you establish a Special Needs Trust and properly structure your estate plan to protect your special needs child, you ensure that your child will never be left alone, will always be provided for, and will always have a trustworthy person -- either a guardian or trustee, or both -- watching over them.

Questions or Comments? Please don't hesitate to call or email me. Visit our website for contact info.

Joseph P. Donlon, Esq., CFP is thefounder of Donlon & Associates, PC, a boutique law firm dedicated to providing high quality, focused legal counsel to clients of all ages and wealth levels in the following areas:

Wills & Trusts
Asset Protection Planning
Estate Tax Planning
Elder Law
Special Needs Trusts
Probate & Estate Administration

Donlon & Associates, PC serves clients throughout New York City, Long Island, Westchester, and Northern New Jersey. These areas include Nassau County, Suffolk County, Westchester County, Queens, Brooklyn, Manhattan, Staten Island, Hoboken, Jersey City, Hudson County, and Bergen County.

Please visit us at http://www.donlonlaw.com/

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A Brief Guide To Lease Extension Valuation

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As there are many legislative steps you need to take when you are looking to extend a lease, acquiring an accurate valuation for such a lease extension can prove to be a very complicated affair.

As such valuations will be based on as close an estimate of current market values as possible, it is highly likely that the leaseholder's and landlord's eventual figures will prove to be completely different from each other.

The sort of factors that will need to be taken into account, when you look to extend a lease, include:

The Diminution i.e. the reduction] in the Landlord's interest in the property if you extend a lease by a further 90 years

Where the remaining term to run on the lease is less than 80 years, a further premium, known as the 'Marriage Value'[which is payable to the freeholder], will need to be calculated into the overall cost of lease extension

You will also need to calculate a compensation payment for the loss that will arise when the new lease is granted.

This is where things can get very complicated indeed. Even the most experienced legal professional in this field may not always get their calculations bang on the money here, and this is when negotiations between the leaseholder and landlord may well arise. This is why it is always a good idea to instruct both a specialist lease extension solicitor and surveyor a good understanding of local market values. Some firms of solicitors deal extensively with such matters all around the country, and even though they may not be based within your home town, they should be sufficiently experienced in assisting you when you look to extend a lease -and should be able take your instructions online, by e-mail, telephone and possibly even Skype. The question of how much experience they actually have with lease extensions, is the first questions you should ask any solicitor or surveyor when you are attempting to find the right professionals to help you with your lease extension.

So, the main gist of the three bullet-points above are an attempt to calculate what interest and other losses the landlord will incur if they agree to extend a lease to you. This will be based on the number of years remaining to run on the current lease, as well as the peppercorn rent that is paid annually to the landlord.

Where the valuations from the leaseholder and landlord differ substantially, once the offer has been made to the landlord, they are able to reject it and submit what is known as a 'counter-notice'. This is where negotiations will really commence between the two parties and if they are not able to come to an agreement themselves, they may well make an application to the Leasehold Valuation Tribunal. The job of this body is not to specifically find in any party's favour; more to work out the most applicable valuation with all relevant legislative obligations taken into account.

Bonallack & Bishop are a firm of solicitors experienced in helping you extend a lease. They can offer you detailed advice on lease extension. Tim Bishop Senior Partner, sees himself as a businessman who owns a law firm.

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When To Contact Probate Solicitors?

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It cannot be overemphasised that no-one named as an executor in someone's will is under any obligation to seek the services of probate solicitors.

Probate is necessary when the executor needs to deal with the deceased's estate because it gives him or her legal authority to do so. It can be very complicated and timely process, but many people, without any legal background at all, have been able to carry it out quite satisfactorily. However, there are times when the executor needs probate legal advice.

Specialist probate solicitors provide a professional service for those needing advice and assistance when dealing with the estate of a lovable close friend. It could be that the executor just needs some good probate legal advice [perhaps on points of law or procedure] and then will be quite happy to carry on dealing with the estate themselves. However, there are often occasions when the executor may want probate solicitors to deal with the entire case.

There are several reasons why probate solicitors may be asked to handle the distribution of the estate entirely. The executor may be unwilling to deal with it, may lack the amount of time for the matter to be dealt with satisfactorily or may not feel confident about dealing with such matters. Fortunately there are those in the legal profession with the training, knowledge and professional competence to deal with probate.

Probate legal advice, along with the assistance of specialist probate solicitors is particularly important when a will is being contested. Other reasons for seeking legal advice could be if any of the property relating to the estate is outside the United Kingdom, or if at the time of the deceased's death it was bankrupt. Also if more than one administrator was named in the will they might not be able to agree on a course of action. Here legal advice may be crucial in helping develop some consensus.

One thing that any executor must not forget is that he is dealing with legal issues. The wrong decision could lead to him being sued. This fact alone is a very good reason to hand the whole estate over to specialist probate solicitors.

Anyone who has been named as an executor must apply for Grant of Probate to gain the legal authority to deal with estate. He must also fill in the necessary forms and then swear an oath. By contacting and using the services of a solicitor the executor will be sparing himself the time and trouble of carrying out these tasks.

If you are looking for expert probate legal advice, get in touch with a specialist Probate Solicitors at Bonallack & Bishop - who offer a specialist online fixed fee probate service for clients throughout England and Wales.

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Missing Persons: What To Do When Time Means Everything

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Missing persons cases are incredibly painful. These cases have all the trauma of loss without the sense of closure that comes with a documented crime. Instead, they leave friends and family with sleepless nights and an impossible stream of "what ifs."

I wish I could say these cases are happening less frequently - but they aren't. Here are the facts.
About 2,300 Americans are reported missing every day.Men and women are evenly split.About one-sixth of missing adults have psychiatric problemsA little over half of missing children are runaways, and another 25 percent are family abductions.

Missing persons cases have increased by 600% since 1980. This problem is showing absolutely no signs of going away. But the statistics aren't as important as the personal pain the family and friends of a missing person have to deal with.

Thoughts On Online Missing Persons Services

Trying to find a missing person online can be like finding a needle in a haystack - and they've never invented a haystack as big as the world wide web. People searching for the missing are usually desperate - and where there's desperation, there are scams of every flavor. I know a handful of people who run legitimate online missing person searches, but there's a deluge of sites that charge a low introductory price, pile on "innocuous" fees, and latch on to your credit card like a hungry anaconda.

Putting issues of credibility to the side, missing person searches have technical hurdles too. One of the main problems is that there's usually more than one result for the name you're searching for. Even if you narrow it down to a local area, you can often be left staring at a list of names, trying to recall middle initials, trying to determine which of the returns are the missing people from your life.

The Internet is great for sifting through a vast directory of information in a few seconds. But remember that even the most advanced online search is just that - an online search, returning lines from a database, and the movements of real people can be a lot messier than the poetry of some PHP script.

How You Can Help Locate a Missing Person

There's plenty you can do to speed the recovery process along.
Get records. Every bit of information you can find is helpful. Phone numbers, addresses, social security numbers, employee IDs, personal belongings, Rolodexes, voting records - leads can be found in the most unlikely places. Any documents that track interactions with institutions like banks or hospitals are helpful too.
Find contacts. In the military, intelligence isn't just limited to scraps of paper and invoices - sometimes the fastest way to learn sensitive information is by talking to a person. A Private Investigation firm has the advantage of being able to cut through personal drama and drill down to the helpful information. Names of contacts and associates are invaluable.
Always report a missing person to the local authorities. Do exactly what they ask you to do without holding anything back, ask for copies of reports, and let the detectives know you're involved in the case - it can be annoying to get a call twice a week from someone wanting to know how an investigation is going, but you certainly don't forget about the case!
If you don't get any traction after following those steps, then call in a PI.

Finding missing people sometimes involve arduous research. This can be a tedious and time-consuming task. Private investigators do this sort of thing all the time. Property tax records, death records and court records all provide a wealth of information when searching for a missing person.

Now that you've had a crash course in how missing persons cases spring up, some of the most common types of missing persons cases, and how to help an investigation on your own, you might want to learn specific information that applies to your own situation.

Remember that private investigators specialize in solving missing persons cases, and Huntting PI specializes in finding the missing, regardless of age, health, or mental condition. After all, if you're in enough need to look for a private investigator online, it means that you're in enough need to act urgently - going bargain shopping when your house is on fire is a fool's exercise, and delaying when a person's health or life may be at stake is even worse. Please visit us at http://www.privateinvestigatorservices.org/ for more information.

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Need Cash for Your Lawsuit? You Need Pre Settlement Lawsuit Funding

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One of the sneaky tricks big companies will use to force a settlement for a smaller amount is to force the case to drag on and on without a verdict. Whatever techniques are needed to accomplish this they will employ, i.e. requests for additional time to prepare further evidence, and so on. By doing so they know that many individuals who are already under financial stress-due to the injuries or job loss that is being litigated-will settle for far less than they could have gotten had they persevered till the end of the lawsuit. Let's take an example.

Say you are injured in an accident at work that is due 100% to employer negligence. Your attorney advises you to sue the employer for $80,000 and the case begins to be litigated. After about six months, your savings is just about run dry, and the employer's attorneys contact you with an offer of $10,000. You might be tempted to take this much smaller amount at that point, because it is one of your few options to get money right away.

Now say that instead of accepting the much lower amount, you apply for pre settlement lawsuit funding. If you apply for $10,000, you should be able to make it the full length of the trial without needing additional money. At the end of your lawsuit, you are awarded the full amount of $80,000 in compensation. Although you will have to pay back the money you borrowed, that still leaves you with close to $70k to pay your lawyer's fees and medical bills with. That's a lot of money!

By extending individual plaintiffs a lifeline in the middle of their litigation, pre settlement lawsuit funding allows every plaintiff in cases such as:

personal injurymotor vehicle/passenger injuryworker's compensationmedical malpractice lawsuits

There is usually no cost to determine if you are eligible for a lawsuit cash advance-lenders can determine in a few minutes whether your case would be likely to win or not. If it seems favorable, they will contact your lawyer and the process is easy from there. You should be notified (generally within 24-36 hours) if you have received a lawsuit loan.

Pre settlement lawsuit funding is what's called "non-recourse" meaning that it is offered with the understanding that if you lose your case, you don't pay back the money. Lawsuit funding agencies understand that this is a tough time for you financially, which is why they offer these types of loans risk-free. Sure, money borrowed now is money you'll have to pay back later. However, when keeping in mind the bigger picture that a pre settlement loan can help you to obtain a much larger compensation amount in the end, most people agree that it is worth it.

Joshua S. Smith touches on many genres within the pre settlement lawsuit funding niche, among other topics. For more information on this author please visit his bio.

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Skiptracing: Finding The Hard To Find

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Skiptracing is an investigative technique whereby a skiptracer - usually a private investigator, but occasionally a journalist or bounty hunter-traces and locates individuals who have broken, or "skipped" out on debts or societal obligations. Such a service is of immense usefulness to lenders seeking reimbursement, or bondspersons tracking down defendants who have skipped bail. Once a subject is located, one is better able to collect on debts, or ensure that a criminal finds their way back to court.

Skiptracing is not a collections service, but rather intense analytical and investigative work. Collections services are limited both in manpower and scope, and so are unable to do the level of investigative work of a tracer.

Why Not Enlist The Police?

Many people assume that the business of searching for missing people, debtors, fugitives and the like should be left up to law enforcement. This idea appeals to our desire for a fair and orderly world, but it clashes with the harsh realities of our legal system. Unfortunately, modern law enforcement agencies are often terribly backlogged with cases for missing persons, theft, criminal negligence, fraud, and others. In 2010 alone, the FBI reported an astounding 1,400 missing persons cases that they were unable to process due to the lack of resources to tackle them. Furthermore, no law enforcement agency has a vested financial interest driving them to accept any particular case.

Without the resources of the police, one is left to track down a person on their own, or to hire an investigator to the work in their stead.

Can I Do It Myself?

It's possible. The skiptracing process is very time consuming, and it is replete with its own unique pitfalls and consequences. Your chances of success as an amateur skip tracer depend greatly on the effort the target has taken to hide their tracks. There are times when someone leaves town without even thinking of you, and they're just going about their own personal business. In cases like this you might have success looking for relatives, ex-spouses, and previous employers - people that know the target will be able to put you in the right direction.

If a target is evading you, things might get tougher. Conducting surveillance and collecting leads or information on a quarry can occur at any time of day or night. Individuals close to subjects can intentionally mislead or deceive someone performing a trace. Furthermore, many local, state, and federal legal parameters must also be adhered to. In a situation like this, you might need to use professional level tools to trace social security numbers, credit reports and phone numbers - you might even need to get out and hoof it from door to door.

Private investigators are dedicated to this line of work and are very proficient at what they do. Their knowledge of the boundary of law, as well as the investigative skills required to locate persons of interest, are difficult to replicate. They will detect any attempts at subterfuge on the part of potential leads or persons close to the subject and adapt their strategies. Skiptracers will also operate with the utmost discretion, ensuring the subject, or "skip", is not alerted to their being investigated.

Missing Persons who have disappeared as the result of a kidnapping, accident, or those otherwise with no reason to disappear.
Witnesses of accidents, crimes, or events of interest.
Stockholders that openly or privately hold the shares or assets of a company or organization.
Bail Jumpers who have skipped out of the city, state, or country, or have otherwise failed to honor the terms of their posted bond.
A subject's assets, up to and including their bank accounts, offshore holdings, etc.

It's important to remember that you don't have to do a bunch of research on your own. skip tracing is grueling work, so whether you're attempting it on your own or hiring a professional, you should schedule an appointment today. Visit us at http://www.privateinvestigatorservices.org/, and Huntting PI will give you a personal consultation that showcases your personal situation and gives you options that fit any budget.

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Choosing The Right Divorce Solicitor For Your Case

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Going through a divorce can be a stressful experience for everyone concerned. Hopefully, it's a mutual decision and both parties will act reasonably to conclude the divorce with the minimum of aggravation. Whatever the circumstances behind your divorce, it is likely that the services of a solicitor will be required. There are several factors to consider when choosing and appointing a solicitor. Giving a little consideration to these factors can make the entire process progress more smoothly.

By far the best way to choose a solicitor is via word of mouth from a trusted friend. A friend who has successfully been through a similar experience will be able to give you an impartial recommendation. If this is not possible, then following a few simple guidelines should make the selection process easier.

You are likely to be discussing very personal aspects of your life with your solicitor, so he or she should be someone you feel comfortable with. Consider whether you would be more comfortable working with a male or female solicitor. An initial meeting, ideally free and with no obligation, is your chance to chat face to face with your prospective solicitor to see if you feel comfortable talking to them. If you don't feel relaxed and confident in their abilities, don't be afraid to decline their offer of services and look for an alternative.

By law, solicitors have to be qualified. This doesn't mean, however, that all are equally experienced. Be sure to search for a solicitor with extensive experience of handling divorce cases. Not only will this give you peace of mind, it will also make for a smoother and more efficient handling of your divorce. Many solicitors will specialise in divorce cases, but it's still worth checking how much experience they - personally, not just their firm - have.

It is possible that you will need to spend some time in person with your solicitor, even although most communication may be done via email and telephone. Make sure that your he or she is going to be available to meet when required, and that they are not too far away. Having met them initially, you should know you will be comfortable dealing with them and, quite possibly, discussing detailed family affairs.

Finally price is likely to be a factor in your decision, but it should not be the overriding one. Make sure any costs and charging policies are discussed up front. If money is tight, paying in installments is one way to help with cash flow. It may even be possible to agree a fixed fee in certain circumstances, but check the small print for any exceptions.

With a little thought up front it should be possible to complete your divorce in the minimum time with the minimum fuss - then enjoy looking forward and moving on with your life.

For more information on divorce solicitor

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