Levies And Confidential SSNs

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I am not a lawyer, I am a Judgment Broker. This article is my opinion, and not legal advice, based on my experience in California. Laws vary in each state. If you ever need any legal advice or a strategy to use, please contact a lawyer.

Every year brings in many new laws. Some laws that intend to protect everyone's privacy, have the side effect of making it more inconvenient for judgment creditors to recover judgment money. In 2012, California, and perhaps other states, introduced more laws that restrict the use of Social Security Numbers (SSNs) on all public records, including court-related forms and documents.

In California, the changes in privacy laws affect judgment enforcement in primarily two ways. The changes began in certain California counties before 2012, and are now in effect in all 58 California counties.

The first change is that abstracts of judgment may no longer list the judgment debtor's full SSN. This increases the chances that a creditor's lien at a county recorder might get missed, especially with sneaky judgment debtors that use AKAs.

The second change is that SSNs are no longer permitted on new court documents. Even more than before, creditors must carefully guard the privacy of the SSNs of judgment debtors.

In 2012, when you file wage garnishment paperwork, you will notice a new WG-035 judicial council form, which now mentions confidential SSNs. The WG-035 form is vague about how one handles and transmits the judgment debtor's SSN to an employer for service of an Earnings Withholding Order (EWO).

The "form" the WG-035 form hints about is a declaration from the judgment creditor describing the judgment debtor's social security number. The creditor's declaration and the WG-035 form, go with forms WG-001, the application for an EWO, and the WG-002, the EWO. What makes it confusing is both the WG-001 and WG-002 forms indicate that the SSN will be on the WG-035 form.

CCP 708.121(a) and 708.125(a) specify that the Employee's SSN "shall" be on the EWO application and the EWO forms, if known. However, the new WG-035 form specifies the SSN has to be on a separate form, that is "part of" the application and the EWO paperwork set.

The way to handle this, is to include a declaration of the judgment debtor's SSN and sign and date it, and include your declaration with your WG-035 form.

Give a copy of your declaration and the WG-035 to the Sheriff along with the other documents. The Sheriff or a registered process server, will serve a copy on the judgment debtor's employer, and document that the WG-035 form was served on the proof of service.

In California, the laws have not yet been updated to indicate the new declaration document. However, the creditor's declaration and SSN is required for the service of a wage garnishment. California laws still say the forms "shall" contain the SSN, if known, and the WG-035 form is part of the process.

The bottom line is, to protect the judgment debtor's social security number to the extent possible. Only the Sheriff, (if needed) a registered process server, and the employer sees the SSN, not the court or anyone else.

In California, it is a good idea to include a note in your wage levy documentation package, that the WG-035 form and your declaration, are to be returned to you or the Sheriff, and not to be returned to the court.

http://www.judgmentbuy.com/ - Judgment Enforcement. The easiest, fastest, and best way to get money for your judgment.

Mark Shapiro, Judgment Matchmaker. We pay for judgment leads, and have the best quality free leads for enforcers, collection agencies and contingency collection attorneys.

Which Judgments Should You Take?

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I am not a lawyer, I am a judgment broker. This article is my opinion, and not legal advice, based on my experience in California. If you ever need any legal advice or a strategy to use, please contact a lawyer.

When one is new to the judgment recovery business, they tend to take every judgment showed to them. A common belief held by some new to the business, is that even if they do not currently have the resources, or know how to, enforce a judgment, they take it anyway. That way, they can work on it whenever they are ready someday, and perhaps also so that no one else can get it.

Once one has had some experiences, spending some days answering calls and emails from Original Judgment Creditors (OJCs) asking "what's going on with my judgment?", one becomes more selective about which judgments they will take. Some enforcers have become cash up-front judgment buyers, primarily to avoid OJCs who contact them excessively.

Ideally, one should only take judgments when there is some confidence that it can be recovered within one year. That is sometimes six months to find and have the judgment debtor assets levied, then waiting up to six more months for the Sheriff to mail you a check.

When you are assigned a judgment, and you have no clear-cut path to recovering it, you should let the OJC know the reasons, and that this is a judgment you will check every six months. If they complain strongly, consider returning it.

In my opinion, there is not much current or future value in owning judgments that you cannot enforce. Here are some guidelines as to whether you should take on or keep a judgment:

1) Is the OJC reasonable? Do they object to your rates, do they want to make unreasonable modifications to your paperwork? Are they strongly hinting they will be annoying in the future? Then do not take their judgment.

2) Is the debtor far away from you? It is usually best not to take judgments when the debtor or the court that rendered the judgment, is farther away than you can conveniently drive or fly to.

3) Does the debtor have any available assets showing? If not, remember that it is difficult to recover what is not there.

4) Do you have enough resources (experience, contacts, time, and cash) to do and pay for what is required to recover the judgment?

5) Does the judgment debtor have an OK credit score? Some judgment enforcers get judgments assigned to them (which makes them the legal owner of the judgment), and then run credit reports on the judgment debtors, before filing the assignments at the court. If the judgment debtor's credit report is bad, they do not file the assignment with the court, and return the judgment back to the OJC.

When you decide not to take a judgment, clearly explain the reasons to the OJC. Tell the OJC the truth, to reduce the chances of them wasting people's time by bouncing their judgment off many other enforcers. Better yet, earn income and help OJCs, by referring them to a judgment broker.

http://www.judgmentbuy.com/ - judgment enforcement. Nationwide judgment referrals. The easiest, fastest, and best way to get the most money for your judgment.

Mark Shapiro, the judgment matchmaker. We pay for judgment leads, and have the best quality free judgment referral leads for enforcers, collection agencies and contingency collection attorneys.

Legal Rights Advice: 10 Areas of Fun Regarding Legal Help

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When you think of lawyers, what do you think about? You may think about stress, hourly costs, retainer fees, expensive, people in suit and ties, court, getting sued, suing others, family dynamics, or any number of other things. Why isn't fun, enjoyable, easy or empowering on that list? It could be. Lawyers are helping people everyday with difficult situations. They can help you with what you need. Why aren't they?

Though there are many reasons why people don't seek the aid of an attorney, it can be fun. In this article, there are ten things that can be fun in seeking legal rights advice. First, it can be fun to know what your rights even are. You may not even know your rights in a certain situation. Gaining advice on legal matters can help you gain peace of mind knowing there is help with what you're going through. Not only can gaining advice be fun, but it can empower you to take the action you need to in order to handle the issue in a way that will empower you and help you sleep at night.

Second, in addition to knowing your legal rights, it can be fun to get useful facts that may help you in the future. For example, do you know the difference between a will and a trust is? Do you know what a living will/advanced directive is? Since it would be beneficial for you to have these, it would be helpful to know which one, and under what circumstances, can be right for you. There are many laws and legal questions you might have. Wouldn't it be wonderful to know who to talk to, even if you simply have a legal question you're curious about?

Third, since wills were already mentioned, do you have a will? We all will die some day and are going to need a will. Wills can be fun and easy to obtain. Lawyers generally do all of the work when it comes to preparing a will. They know which wills are best and the wording to use. After they prepare a will, you can simply sign and have a notary sign in certain areas. It may help you sleep better knowing that your family will be taken care of, if you die in an untimely way.

Fourth, you may think wills, and obtaining legal rights advice, is expensive. It can be, but it can also be affordable. It would be more enjoyable to use an attorney on a regular basis if you knew you could afford it. It might be fun to call an attorney if you knew you wouldn't have to pay hourly, or for each time you simply ask a question. It would be great to feel empowered to get any number of legal issues handled. Wouldn't it be good to have an attorney on speed dial?

Fifth, it could give you great peace knowing that you don't ever have to tolerate being mistreated by another company again. Instead of simply paying fees you don't owe, for whatever reason, it would be empowering to know that you can have an attorney write a letter for you to any company. Many times, large companies simply give you whatever you want, or make a deal with you, just because they see an attorney's letterhead. They don't want to be taken to court, especially if they have a lot to loose.

Sixth, talking about having a lot to loose, do you have a lot to loose each year when you do your taxes? You may, and having help if getting audited by the IRS can calm your mind. It can be a very humiliating experience to be audited, and having help makes it less so. At least you can know what all you need to do in order to make the process shorter. Attorney lawyers can make it a little more fun by having an advocate on your side.

Seventh, having an advocate on your side if you have a traffic ticket also, warranted or not, can be helpful. Have you ever thought about talking to an attorney about a traffic ticket? They may be able to help negotiate your ticket with a prosecutor. They may also help you get the points off a record by defensive driving classes. You can decide what you want to happen, so, you're always in control in terms of what you want the outcome with a traffic ticket.

Eighth, you can be in control with a divorce or child custody issues. The breaking up and changing of families can be hard enough as it is, without legal battles. Legal battles are often very complicated, with every different family situation. Getting legal rights advice can be essential with these complications. There's no one-size-fits-all with divorce and child custody - especially yours. You don't want to try and figure out what to say and do on your own.

Ninth, talking about doing it on your own, if you want to help yourself instead of hiring and attorney for everything, you'll need forms. Whether you're handling a divorce, child custody, landlord/tenant or with warranties, you'll need to know how to write a letter or what to do next. Many online forms are available, from helpful attorneys, if you know where to look.

Tenth, if you get sued, do YOU know where to look for help? Getting sued is some peoples' worst fears. The thought of having to go to court, finding a lawyer, being in the same room with someone you hate, saying the wrong think to a judge or not knowing what to expect can all be very intimidating. For most people, the courtroom can be very stressful. Being empowered by knowing what to say or having legal representation can take some stress out of the situation. Think of what a relief it would be to know where to turn if that unfortunate legal issue happened to YOU. What a relief to have the help you need in any legal situation.

There many more circumstances to use an attorney, but ten are enough to get you thinking. There are many options and types of attorneys as well as many ways to look for them. Maybe you didn't know they could help you with all of these things, but they can. Attorneys can be very useful for many types of legal rights advice. Make sure you get your help the right way, when you need it. Why not find out how attorneys can help you? There is no time like now to find out how you can get legal help and how fun it can really be.

Lisa Starr is an Independent Legal Consultant who is committed to helping individuals obtain access to high quality, cost-effective legal services for themselves and their families. There are even affordable small business solutions. For further information about the Best legal options today on how to get all the legal rights advice to protect every member of your family, visit her website and pick up your Free Report immediately!

Bail Someone Out Of Jail Fast and Easy

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Have you ever had to bail someone out of jail? If you did, then you know just how much of a hassle it could be -- not to mention it can get pretty expensive at times. So the next time you need to bail someone out of jail, why not consider getting the services of a bail bondsman? There are a lot of them out there, and they all have plenty of advantages that make them a better choice than posting bail by yourself.

Basically, a bail bond is a guarantee to the court that an arrested person will show up for his/her scheduled hearing. If you bail someone out of jail, you are actually putting up collateral, usually in the form of money, to grant the person temporary freedom. If the defendant shows up for his/her scheduled court hearing, the collateral will be returned to the person who posted bail.

It's alright to bail someone out of jail by yourself if you can afford it, but if the defendant is accused of a slightly serious crime and the bail is set at a high amount, like say 10 thousand dollars, what would you do then?

If you do not have enough money on you to bail someone out of jail, this is where the services of a bail bondsman will come in handy. Bail bondsmen will bail the person out of jail for you, in return for a small percentage, usually ten percent of the total fees accumulated in bailing out the defendant. Another great thing about getting a bail bondsman is that your responsibilities towards the defendant ends there, you will no longer need to make sure that he/she will show up for the scheduled court hearing and will not run from the charges.

Here are other benefits from getting a bail bondsman to bail someone out of jail:

1. You do not need to come up with the entire bail amount by yourself, thus easing the financial burden on you.

2. The defendant will be able to get on with his/her life, or at least until the date of the scheduled court hearing.

3. Most bail bondsmen even offer easy payment plans for their services rendered.

4. The big bail bond agencies can even bail someone out of jail regardless of which jurisdiction they got into trouble. Even if the defendant got detained in another state, you only need to give them a call and they will take care of the rest.

5. The State also benefits from bail bondsmen because they help alleviate the total number of inmates of different jails across the country. Lesser number of inmates means that the costs of keeping them incarcerated gets lower as well.

So the next time a friend or someone in your family got into a bit of trouble, just contact a trusted bail bondsman agency and they will take care of things for you. You no longer have to fuss about having to bail someone out of jail, all thanks to professional bail bondsmen.

Bail Someone Out Of Jail now in Florida by phone, Fax or e-mail http://www.bailsomeoneoutofjail.com/ or call 813 419-2688

Legal Support Services: What Can a Business Gain From an Experienced Provider?

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Businesses, law firms, or corporations sometimes require legal support services to assist with specific issues or to be available in case a problem should occur. Professional companies maintain a qualified staff to offer dependable solutions from the initial discovery process to the completion of a trial. Common assistance offered in this area includes:

DepositionsRecord RetrievalLegal StaffingDocument ReviewsAssessmentsTrial PresentationsForensics AssistanceConsulting Services

Not every professional is going to have the right set of skills for the tasks required to complete the job. Staffing experience must be evaluated alongside the reputation, availability, and services offered by a company. Experts brought in from outside companies must be state licensed, have multitasking abilities, and be capable of typing a minimum of two-hundred words per minute. Organization, proofreading, research, and editing skills are necessary when depositions or transcripts must be created. Any business in need of these services should begin by verifying the qualifications of both supplied staff members and each provider.

Court ReportingCharacteristics to Assess Prior to Hiring

Court reporting experts are trained to transcribe a speech, whether in real time or recorded, into a written document by means of shorthand or specialized equipment. They are used to create hearing transcripts, depositions, and other records required for any type of official proceeding. Individuals working in this legal area average two to four years of education to have the right qualifications for stenography whereas those using voice equipment are trained on average within nine months. Those who are a notary public can administer oaths and certify that their transcripts represent what was said verbatim. Licensed professionals can use one or both methods depending on the type of transcription required. They must continue to educate themselves further by attending courses or their license can become invalid. Court reporting assistance can include:

A Dedicated Case Management TeamExpert ReportersAdvanced Production FacilitiesReal-Time EnvironmentsVideographyExpedited DeliveryVideo/Text SynchronizationSupportive Technology for Off-Site ServicesInteractive Video ConferencingExhibit Indexing and Sequential NumberingExhibit HyperlinkingDocument or Exhibit File Format ConversionsTranscript Condensing

A deposition/transcript can be needed for a court trial or numerous other reasons outside of this typical environment. Organizations requiring video or written documentation can hire an outside provider to complete necessary reporting processes. Specific qualities are essential when choosing a provider to handle this detailed process. What is the reputation of each company being considered for hire? Does the website supply testimonials or other information to convey their reputation? In some cases, shopping around will be less of an option; however, an organization receives further benefits when these types of details can be reviewed before making a decision. Look for a professional staff that does not use an automated process to schedule appointments or perform other pertinent tasks. Can the third party supply everything needed or will multiple providers be necessary? Depositions frequently entail the need for a reporter, videographer, interpreter, conference site, and equipment. A legal support services company prevents organizations from having to hire individual professionals by offering a collection of helpful services.

Legal support services can be acquired to organize or document a court-oriented procedure. Many factors should be evaluated before selecting a provider for court reporting assistance.

Legal Rights Advice: Want to Find a Solution for Affordable Legal Advice

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There are many options for finding affordable legal advice. Four options are discussed in this article. 1. Many people have an attorney friend or family member, 2. Many people find lawyers who can do services Pro Bono, 3. Many people find lawyers that only charge if they win your case and 4. Many have a legal service through a company. My goal is to help you think and find the best option to protect your family for all legal needs.

The option of using family and friends who are attorneys is probably the most popular and least expensive option for legal rights advice. If the person you know who is a lawyer specializes in the area of law in which you need help and in the geographical location in which you live, this is an economical option. Family and friends either don't charge anything or give a discounted rate for their services. Family and friends are often more available than a lawyer whom you don't know. You can often feel more comfortable to communicate your legal needs and get sound legal rights advice from family and friend attorneys.

However, if family and friend attorneys don't specialize in the area of law or geographical location for which you need help, finding an attorney for who does Pro Bono work is another option. For those who don't know, Pro Bono work means the attorneys don't charge you anything for their services. In many states, lawyers are required to do 50 hours of *Pro Bono work as a recommendation from the American Bar Association each year. Since it is a requirement as part of their jobs each year, they may be willing to help with your situation. Finding a lawyer who can do Pro Bono work may be tricky; they may have used all of their yearly required hours or it may take a lot of leg work calling or visiting different attorneys.

Similarly, there are attorneys in some television commercials who claim to only charge if they win your case. This option is something for you to think about and research if the attorneys claiming this can help you with your legal issue exist in your area. It may be attorneys that specializes in a different area of law that offer this option than the area of law in which you need legal help, however. This can be a good option if you are planning on going to court. Yet, some people don't plan to go to court, but simply need some legal rights advice. This type of attorney wouldn't be your best option if this is the case.

Possibly the least well known, yet most comprehensive affordable legal rights advice option is to find a legal service provided by a company in the United States. For those of you who wonder if this exists, let me put your mind at ease. There ARE companies available which can help with all legal rights advice, as well as preparation of wills, letters/phone calls written on your behalf, defense in court and other legal services. It may sound too good to be true, but it's not. Since this is a very litigious society, an option like this would be very useful to many people in the USA, if they knew it existed and where to find it. Finding a company is simple, and doesn't have to take a lot of time. In many countries, legal insurance is as common as health, life and auto insurances. It is also a requirement in some countries. In America, these companies aren't as abundant as they are in other countries, but, none-the-less available. Where these options are available, this legal service can cost a small monthly fee, similar to other insurances.

Whatever option you choose, please search out all of the options to find out what would be best for your family. There is no need to stay in the dark anymore, since there are so many options available to you in today. To find out more about a company that can protect your family legally, just reach out - now! You will not regret it.

*Information about Pro Bono from Wikipedia

Lisa Starr is an Independent Legal Consultant who is committed to helping individuals obtain access to high quality, cost-effective legal services for themselves and their families. There are even affordable small business solutions. For further information about the Best legal options today on how to get all the legal rights advice to protect every member of your family, visit her website and pick up your Free Report immediately!

Focus on This ONE Thing to Improve Your Practice

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The immediate deadline. The call that needs to be made or returned before lunch. The pre-bills that have to be checked this afternoon. The case law that needs to be scoured so the motion can be finished up tonight. The filing that's due in the morning. The mediation tomorrow afternoon...

The overwhelming majority of your time during the day is spent attending to a pressing task at hand. Once you've handled it, you check it off the list and move right to the next discrete, time- or pressure-sensitive task. Your day passes with your head down, attending to each thing right in front of you, and then it's time to leave the office.

Now, if you're really productive, this task-to-task movement can be satisfying - at least for a while. But it usually keeps you from spending time on activities that Stephen Covey famously described as "important but not urgent."

These kinds of activities - such as finally resolving an inconsistent policy, or updating your contacts list, or teaching your assistant how to optimize a frequently used procedure - are far more valuable to you because they build future capacity. Once executed, they save you time every day and help you (and your team) to be more consistently effective.

In our law firm consulting work around time management and productivity, we hear it over and over: the standard rationale for not engaging in these kinds of high-payoff, capacity-building activities is, of course, that you don't have time for them. But you know that's ultimately just an excuse. The most successful professionals do not indulge the "don't have time" excuse. They consciously cultivate such activities on a regular basis, and you can too.

Start by identifying one capacity-building activity that, once executed or routinized, would improve your performance on a regular basis. Then, identify the first specific action to take to begin implementing that activity. It may be as simple as coming in on Saturday morning with a few trash bags to finally dump the mounds of unneeded paper. It might be scheduling a 45-minute block of time with your assistant to finally document the correct checklist of pretrial file preparation.

Set a goal for yourself to concretely improve how you practice during the first half of the year by focusing on one important-but-not urgent activity that will help you build your capacity to function more effectively from now on.

Follow these steps to be more productive and get more done in your law practice.

About the Author
Bill Jawitz, Practice Advisor with http://www.successtrackesq.com/, has been consulting with lawyers to become more profitable and enjoy a higher quality of life since 2002.

Judgment Referral Companies

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I am not a lawyer, I am a judgment matchmaker. This article is my opinion, and not legal advice. If you ever need any legal advice or a strategy to use, please contact a lawyer.

In my job, almost every day I read and hear statements similar to: "I've contacted about 100 judgment buyers, and they either tell me no, or do not respond at all. My judgment is guaranteed and my debtor lives very well in their mobile home, getting both social security and disability payments, so why won't anyone buy my judgment?"

In that example statement, the judgment owner has no idea that their debtor's situation, and that judgments are never guaranteed, are the reasons they have had no success with their one hundred tries.

Because of the economy, most judgment buying companies are now either partially or fully out of business. However, many leave their web sites up and running, providing an illusion that they will pay cash upfront for most judgments.

Most judgment buying companies ignore or turn down, far more than 99% of incoming judgments. When a judgment debtor is really rich, some will pay cash upfront for your judgment. If your debtor is not rich, the best of them will say no, others do not respond at all.

The right way to sell a judgment is to market and price it correctly. Only the debtor's available assets can satisfy a judgment. When the debtor is poor or unknown, your judgment is worth very little, no matter who you contact.

If you have contacted several judgment companies or contingency collection lawyers about your judgment, and have been ignored or turned down several times, the wrong thing to do is to continue contacting companies or contingency collection lawyers.

A smarter thing to do, is to list your judgment once with a referral or listing company; because for free, they help you find a qualified buyer or recovery solution.

Here is four other reasons why it makes sense to send your judgment to a referral company:

1) You send your judgment and information just once. This conserves your voice and your time. You specify your request once, instead of negotiating with too many people, that will not be able to help you.

2) They bring the best offers to you. The best do the shopping for you, finding better experts than you could, and match your judgment, and debtor to the best experts local to your debtor.

3) They specialize in referring any and all judgments and debtor situations, so you do not need to search and look through ads.

4) The best referral companies screen out flaky or unresponsive companies, so you avoid wasting time on them.

Whether you have a "slam-dunk" and easy-to-recover judgment, or a "lemon" judgment, using a referral company saves you time and money. They are not magicians, however they can help make hassles and time wasting disappear.

http://www.judgmentbuy.com/ - judgment enforcement. Nationwide judgment referrals. The easiest, fastest, and best way to get the most money for your judgment.

Mark Shapiro, the judgment matchmaker. We pay for judgment leads, and have the best quality free judgment referral leads for enforcers, collection agencies and contingency collection attorneys.

Why Get a Bail Bondsman to Help When Bailing Someone Out Of Jail

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What are the benefits of getting the services of bail bondsmen? Why are they better than actually bailing someone out of jail by yourself? If you happen to find yourself in the unfortunate position of having to bail someone out of jail, bail bondsmen can be your best friend. Here are the reasons why:

1. They can help protect the defendant from harm. Correctional facilities are not the safest of places, if you or someone you know was wrongfully accused of a crime then you would not want to suffer the consequences for it. With the help of bail bondsmen agencies, you can bail someone out of jail and spare them from all the unnecessary suffering.

2. It will be easier for the defendants to work out their case when they are not behind bars. It is found out that there is more than a 50 percent chance for the defendant to lower the charges filed against him, sometimes even getting them dropped altogether. So if you bail someone out of jail you can actually help them clear their name.

3. It saves time and money when you get the help of bail bondsmen. You can actually transact with the agency over the phone about how much money you need to bail someone out of jail over the phone; they will just fax over some documents that will need your signature and they will take care of everything on your behalf.

4. You get to choose the conditions of release. Bail bondsmen not only help to bail someone out jail, they can even help people change their lives for the better. If the defendant is faced with drugs or alcohol charges, you can choose to require him to first complete a rehab program before bail gets posted.

5. They have agents that will make sure that the defendant shows up for his scheduled day in court. You are no longer faced with the responsibility of making sure the defendant does not jump bail and leave you accountable for him. A lot of people forget that when you bail someone out of jail, you are responsible for the defendant, if he runs then you can kiss the bail money goodbye.

6. Bail bondsmen save the state a lot of money. Taxpayers pay for the housing and feeding of inmates of federal prisons, whether they are guilty or not. If you bail someone out of jail, you are doing your own small part in alleviating the financial burden of the Taxpayer.

7. Bail bondsmen know all of the ins and outs of bailing someone out of jail. It can be quite frustrating when you bail someone out of jail; you need to go and jump through a lot of hoops to get the person out. Using a bail bondsman you no longer have to worry about doing all of those things, they'll take care of everything for you.

So the next time you need to bail someone out of jail, consider getting help from a certified bail bonds agency.

Freedom from Florida Jails is only a phone call away 813 419-2688 http://www.bailsomeoneoutofjail.com/

Understanding the Job of a Paralegal

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Lawyers cannot possibly do their entire job alone. They need assistants, which are referred to as paralegals. These legal assistants do secondary tasks at law firms, assisting lawyers in their daily responsibilities. The primary legal duties belong to the lawyer himself. Many legal assistants want to become lawyers, but, they often have to start from this position before becoming actual attorneys. Even paralegals need the right credentials before they can practice their profession. Paralegal certification is necessary for those who wish to work as an assistant to an attorney.

Young people who are interested in the field of law may want to start as paralegals and the amount of job openings for these professionals is increasing. Some people are attracted to the high salary it offers; while others are lured by the experience they can get in the field of law. Whatever your motivation is, you have to get the right training. Accredited institutions should be your destination.

Paralegal aspirants should understand what happens to them if they get employed as paralegals. You're not going to give legal advice or set up fees. You may not be able to act like a legal representative of a distressed client-you are, however, part of the system. Your task is to assist the attorney you're assigned to. This assistance generally includes office tasks. What exactly would you be doing? You would be setting up meeting or trials, preparing schedules and making appointments.

A paralegal is also responsible in knowing details about a certain case. A lawyer may need a paralegal to provide the documents when tackling a case. Although they are just assistants, they have a crucial job. Without them, lawyers will have a difficult time managing all their responsibilities. All professionals that perform major tasks need assistants. Routine and auxiliary tasks are passed on to the latter.

The advantage of taking up a paralegal course is that you can find a job immediately after you finish it. If you take up law right away, you may have to finish the course and pass the bar examination, which is a requirement for law practitioners in many countries. Paralegals can work right away and pursue law if they want to become lawyers in the future.

The salary of a paralegal varies from state to state. However, the biggest influence in the amount you can earn as an assistant is your educational attainment. Nonetheless, paralegals and legal secretaries can earn at least $25,000 a year. If you work as an entry-level assistant at private law firms, you can expect to earn at least this amount. The biggest earners are those working for the federal government. Then again, paralegals do receive bonuses and perks, which raise their income.

Full-time paralegals work for forty hours in a week. Many law firms hire more assistants during the busy times of the year. Those without experience may gain some by standing in at law firms looking for temporary paralegals. Although there is a considerable demand for these assistants in the United States and Canada, lack of job security is a common issue. It's common for law firms to hire temps during peak season and then release them after the busy months are over.

How To Record A Lien

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I am not a lawyer, I am a Judgment Broker. This article is my opinion, and not legal advice, based on my experience in California. Laws vary in each state. If you ever need any legal advice or a strategy to use, please contact a lawyer.

Recording a judgment lien used to be the most popular and cost effective way to recover most judgments. Due to the economic mess, liens are not as reliable or as wise of an investment as they used to be.

There are many kinds of liens that generally can be classified as being one of two types; real estate liens, and non-real estate liens.

Depending on which state you are in, there are usually three kinds of liens used in the recovery of judgments: real estate liens, UCC liens, and liens created by having a judgment debtor personally served with a judgment debtor examination.

All regular judgment liens expire, however most can be renewed. Usually, real estate liens last as long as the underlying judgment. UCC liens last an average of five years, and debtor examination liens usually last one year.

In judgment recovery, the most popular type of liens are real estate liens. When the judgment debtor's property is sold or refinanced, the judgment is sometimes partially or fully satisfied, in exchange for the creditor removing the lien.

In California, to record a real estate lien:

1) Fill out an Abstract Of Judgment form. You can get this form at the court or the court's web site. Make two paper copies.

2) Bring or mail the two paper copies to the court. Pay the court, to have the court stamp and endorse the Abstract Of Judgment forms. They keep one copy, and give you the second copy. Make a copy of that, or the court can print an extra copy for you for a nominal fee.

3) Bring or mail two copies of the Abstract Of Judgment to the county recorder where the judgment debtor's property is located. Pay the recorder to record your abstract of judgment, and pay them to mail a lien notice to the judgment debtor. The county recorder will keep one copy of the Abstract Of Judgment, and return their endorsed copy to you. County recorder policy varies by county and state, so always verify the details at the court or their web site.

UCC liens are usually recorded when the judgment debtor is a business. UCC liens are sometimes also recorded for non-business judgment debtors.

To record a UCC lien, download a UCC form from your Secretary Of State's web site and fill it out. Writing the judgment information and case number, and a description of the judgment debtor's assets on the UCC form, can make that lien stronger.

Mail the completed UCC form to the Secretary Of State with a check, and wait for them to mail a copy to you. Then, mail a copy of the endorsed UCC form to the judgment debtor.

In California, having a judgment debtor personally served with a judgment debtor exam, creates a lien on their personal property for one year. Writing a description of some of the judgment debtor's personal property on the front or back of the debtor examination forms and affidavits, may make this kind of lien stronger.

The most common way a judgment creditor may get paid by recording a real estate lien, is if or when the debtor sells or refinances their property, because sometimes lenders and buyers require or arrange for prior recorded liens to get paid off.

Sometimes recorded liens can make you a secured creditor if your debtor files for bankruptcy protection. Once in a while, you might eventually get paid something after your judgment debtor files for bankruptcy protection.

Getting and recording judgment liens does not guarantee that a judgment creditor will get paid.

In fact, usually, these days, recording liens will not result in any payment. However, getting and recording a lien is not difficult or expensive, and may be a good first step to eventually getting paid.

http://www.judgmentbuy.com/ - where Judgments and debts get recovered or purchased by the best - expertly matched for free, to your debtor.

Mark Shapiro, the judgment expert. We pay for leads, and have the best quality free leads for enforcers, collection agencies and contingency collection attorneys.

IRS Tax Resolution Lawyer Offers Effective Tax Planning

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Every citizen is obliged to pay taxes and non-payment results in the federal authority issuing notices of IRS tax crimes. They are punishable offenses and the consequences would range from heavy penalties to jail terms. If someone is booked for such crimes, the best way out is to hire the services of an IRS tax resolution lawyer. This ensures that income tax preparation is done as soon as possible considering the entire period of default. The accountants would do all the necessary reconciliation of income tax preparation for keeping all the records up to date with all of the tax statutes applied.

If an individual is in a state of bankruptcy, IRS taxation is liable to be discharged. A proper bankruptcy tax planning can ensure that the IRS tax problem is solved without further complications. Permanent resolution of these problems is possible with tax relief bankruptcy. It is always beneficial to have an IRS tax resolution lawyer who can offer expert advice on taxation issues. This lawyer would be the best person to determine whether all the accumulated tax liabilities are liable to be discharged. Discharging the burden of tax liabilities through bankruptcy would mean getting huge tax relief from the government.

Resolving all the tax issues before any of the IRS collection problems arises is extremely necessary. Many individuals who find themselves on the wrong side of law with charges of tax crimes against them also face similar problems which can be very brutal at times. There are different types of collection methods used to recover unpaid taxes like wage levy, seizure of all bank accounts and seizure of assets. An IRS tax resolution lawyer helps to tackle these cruel methods of collections and offers expert tax solutions for resolving the most serious problems of taxation.

The IRS is granted a certain period within which it has to recover the tax debt. The IRS can seek a maximum period of time for the legal collection of all the taxes from the tax payers. This is called the IRS statute of limitations and this period usually begins six weeks after the tax returned filed is posted to the system. The IRS statutes may be extended depending upon certain situations. As the expiration date of the statute comes near, the IRS attempts more stringent ways to collect back the tax liabilities. Most state tax problems are solved with the help of legislatures that empower different states to follow their own tax laws.

A certain amount of money is withheld from the wages of the employees and held in trust until they are paid to the treasury in the form of trust fund taxes. Proper tax planning is very essential to tackle with the trust fund liabilities. This is done effectively by a competent individual who has the necessary experience in dealing with these matters. The IRS tax resolution lawyer offers valuable solutions to prevent large penalties that are levied for the delays in paying employment taxes to the Treasury.

Kemble W White is the author of this article on IRS Tax Resolution Lawyer. Find more information, about Bankruptcy Tax Planning here

Will the Laws of Gun Control Change in the Near Future?

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One question that worries many advocates of a right to carry a personal firearm is whether their concealed carry permits would be valid outside the state issuing the permit. Can they take their guns on holiday with them? Can they pack them in their checked bags for a flight? What if the plane is diverted to a spot like New York, which makes it exceedingly difficult to carry a gun? And if they cannot bring their guns with them, how will they defend themselves and their loved ones were threatened?

Gun rights activists have a simple solution: require all states to honour one another's concealed carry permits. There is no reason to suppose, says the head of the National Rifle Association, that a person considered fit to carry a gun in one state would suddenly become a menace to society on entering another. Many states are ready have such reciprocal agreements, without any obvious ill effects, he adds. The House of Representatives agrees, earlier this month approved a bill that would make one states permit valid in any other, with the exception of Illinois and the District of Columbia, both of which do not allow concealed weapons at all.

Opponents of the measure, including the manners and police chiefs many big cities, say will allow people to get around local rules about who can obtain a concealed weapon permit. Many states-holders to undergo safety training, for example, or deny permits alcoholics and others do not. For states such as Alaska, Arizona, Vermont and more enemy do not require a permit at all, although three of them to helpfully issued on the use outside the state. The question which states have the cheapest and easiest to obtain permits is another popular topic amongst advocates of gun rights. Forcing states to accept the permanence of the most permissive jurisdictions would be an assault on states rights.

It will fall to the Senate to adjudicate. Republicans from South Dakota say he is working on getting concealed carry legislation through the chamber. He was also the leader of a last attempt, and doesn't mind, but fell just two votes short of approval. Conditions were more favourable now. Several of the Democrats who voted against reciprocity and has since been replaced by Republicans, who tend to be keen on gun rights. Others, such as Republicans from Missouri, facing difficult re-election battles in gun friendly states. Even Barack Obama, the boogie man of gun rights groups, has waited on the subject of concealed carry weapons. The claim to oppose it as a candidate, but then signed a law permitting a national parks in 2009.

Mr Obama, facing a difficult re-election battle of his own, would probably prefer not to offend anyone by weighing in on either side this time. Leader of the Democratic majority in the Senate, could well grant him his wish, by preventing the subject from coming to a vote. And even if there is a void, gun-control advocates assume that when the chips are down enough Democrats would probably be available to foil the Republican leaders again. Relying on allies who do not wish to come forward until the last minute is always a nerve wracking proposition.

David Coleman is a lawyer, you can contact him by clicking on the links available here for legal documents or legal forms.

Judgment Quotes

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I am not a lawyer, I am a Judgment Broker. This article is my opinion, and not legal advice. If you ever need any legal advice or a strategy to use, please contact a lawyer.

Usually, when you have a judgment, your judgment debtor will not pay you voluntarily. Most people do not want to read or think a lot about their judgment. Most people just want an instant quote from someone who will buy their judgment immediately.

The problem is, that is not how getting a quote for a judgment really works, unless you sell your judgment for less than one cent on the dollar. Anyone that buys a judgment must spend time and money, and take some financial risks, to try to recover money from it.

In this article, "buyer" means an expert qualified to estimate and quote a judgment's approximate value, which could be a judgment buyer, investor, recovery specialist, collection lawyer, or a collection agency.

Only a qualified judgment buyer can estimate and quote a judgment's real value, which is mostly an estimate of both the risks, and what might be available to levy from what the judgment debtor owns, to satisfy the judgment.

To get a price quote for a cash up-front purchase of a judgment, you need a copy of the judgment, and what you know about the judgment debtor and their assets. While the judgment debtor is unknown and/or has no assets, the value of a judgment is approximately zero.

An example of an unfindable debtor would be one having a name of (e.g.) Bill Smith, who was served with a lawsuit at a some transitory location, that could not be tied to anyone named Bill Smith. An example of a judgment debtor without assets would be one that has successfully filed for bankruptcy protection, or that has no attachable income or assets.

Presuming your debtor is known and has some assets, your judgment has some value. On a cash up-front sale, the buyer takes all the risks, so the price offered is always a small fraction of the face value of the judgment.

When you sell a judgment, there is always paperwork that usually must be notarized. Their paperwork includes both a contract and either an assignment of judgment form, or a lawyer's or an agency's retainer form. Before the buyer's paperwork is sent to you, they must calculate the approximate value of your judgment, factoring in all known and some unknown risks.

Most judgments have value, however their value is not insurable, is not guaranteed, and is unknown, except for a short time after an estimate by a qualified buyer.

Even if judgments were guaranteed, they could never be sold cash up-front for anything close to their face value because of the time value of money. $100 now is infinitely more valuable than $100 ten years from now. Getting a tooth pulled 20 years from now is more appealing than getting a tooth pulled today. A judgment pays over time, if it pays at all.

About 85% of a judgment's value is mostly an estimate of what the debtor can be made to pay from their available assets now, and 15% on what the debtor might be able to pay in the future. In today's economy, the value of a judgment depends 85% on "now". Now lasts a very short time, and many futures can change quickly.

The prices quoted for a judgment somewhat depends on the location of the debtor, because that effects how the judgment might be recovered.

The value of a judgment does not depend on you or your buyer, so shopping a judgment is not important, or at least not as important as shopping for anything else. Shopping your judgment is usually like shopping a $100 bill. The price stays near $100, no matter which buyer you show your $100 bill to.

One option is to send your judgment to one to five judgment buyers. Another option is to send your judgment to just one judgment broker. Sending your judgment to more than five buyers is a waste of their time and yours.

http://www.judgmentbuy.com/ - where Judgments and debts get recovered or purchased by the best - expertly matched for free, to your debtor.

Mark Shapiro, the judgment expert. We pay for leads, and have the best quality free leads for enforcers, collection agencies and contingency collection attorneys.

Legal Symbols And Word Processors

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I am not a lawyer, I am a Judgment Broker. This article is my opinion, and not legal advice. If you ever need any legal advice or a strategy to use, please contact a lawyer.

If you are an attorney or a paralegal, you probably know very well how to make your word processing program type and print a § or a ¶ symbol. For the rest of us, the average word processor does not usually make it obvious how to make legal symbols.

¶, •, and §, are never used in conversations, however they are often used on written motions and pleadings; which can be typed by mortals representing themselves.

Legal symbols are used most often by lawyers, when they type up motions and pleadings. Occasionally lawyers use a few other strange symbols such as Ó? in odd places, to confuse the other side. When representing yourself, you do not need a law degree to make your own motion or pleading.

What do some of the symbols mean? The § symbol means the section, or a section area. The ¶ symbol, called a Pilcrow, means the end of a paragraph. The • symbol is called the bullet, that means a point to take notice of, or an item on a list.

Here is what I learned from other judgment enforcers, and from experimentation, on some shortcuts to make legal symbols.

What keys to press, to produce a specific special character, depends on the unique combination of what kind of computer you have, what brand of word processor you use, and what version it is. This article lists some ways to produce legal symbols, however your mileage will vary.

In Microsoft Word 2010 and possibly other versions, click on Insert, then click on Symbol, and then select the desired symbol, among them should be ¶ and §. In Word 2007, you must do one more step, and click on Special Characters.

If you have a Macintosh, with almost any kind of word processor including BBEdit, TextWrangler, OpenOffice, and TextEdit; pressing ALT/Option 6 makes a §, and Alt/Option 7 makes a ¶.

In most PC programs, if you have a number pad, you can usually hold down the ALT key and then type 0167 on the number key pad, and release the ALT key, to get a §. You can usually hold down the ALT key and type 0149 to get a •, and ALT 0182 to get a ¶.

Even if it takes awhile to figure out how to make the special characters you want on your PC, most programs remember the last few special characters you used. The next time you want to use one, it should be at the top of the list.

Another solution is to install a software shortcut or "hotkey", to (e.g.) map Control-S to § and Control-P to ¶.

There are many keyboard combinations to produce special characters on PCs, by holding down the ALT key. A handy list for PC-users is at: http://tlt.its.psu.edu/suggestions/international/accents/codealt.html

Finally, most courts have eliminated the "blue backs" on pleading and motions, however be aware some Federal District courts still require them.

http://www.judgmentbuy.com/ - the easiest, fastest, and best way to get money for your judgment.

Mark Shapiro, the judgment expert. We pay for judgment leads, and have the best quality free leads for enforcers, collection agencies and contingency collection attorneys.

Vicarious Liability: When You Become Liable on Behalf of Another

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There are times when it is necessary to lend your car to someone who runs errands or works for you. Unfortunately, there are times when the same people get involved in accidents. You may be held liable on behalf of someone who used your vehicle under these instances under the rule of respondeat superior. This doctrine means that you are liable for the fault of another who was acting on your behalf. It is also referred to in the law as "vicarious liability". An employer, parent or team leader may be held liable for the wrongdoing of their employees, children or subordinates. This is what vicarious liability means. The reason for this is that generally, employers, parents or team leaders have control over the actions of the negligent parties. Parents get sued because children don't have the means and the capacity to defend themselves monetarily, especially minors, and because parents likely consented to the use of their vehicles.

If you, on the other hand, are a victim of people who are acting on behalf of someone, you may file claims against the employer, parent or superior of that person to get compensated for the injuries that you may have sustained. Your personal injury lawyer will help you be able to prove the relationship of the negligent party to the one being sued. For example, an employee who accidentally gets involved in a vehicular accident while performing work for his employer may hold the employer liable to compensate you. If your lawyer gets to prove the following criteria, then you may be entitled for a compensation: employer-employee relationship, also, that there is no other way that the employee could have performed his work, and that the conduct of the employees work is out of his control.

If, however, your lawyer failed to prove the existence of an employee-employer relationship as in independent contractors, and the degree of control that the negligent party has of his own actions, then chances are, that person is the only one liable to you. This rule is not only limited to running after employers of negligent employees and parents of careless children, but is also applicable to medical malpractice as well. For example, when a nurse fails to carry out her duty in an operating room, the surgeon or even the whole hospital may be liable to compensate the victim. Exemptions to this rule involve car leasing and rental businesses and airplanes.

In addition, if you are a victim of assault or battery done by an employee, the employer is not liable to compensate you for injuries that you have sustained from the attack. It is important to always consult with a personal injury lawyer to determine what courses of actions are available for your case. There are special cases wherein you may run after the superiors and make them liable; therefore, giving you a more substantial compensation than if you only sued the person who actually caused you to be injured. Your lawyer may convince the judge to rule in your favor and apprehend the employer, parent or even the whole company. On the other hand, if you are an employer, make sure to perform background check and adequate investigation before hiring someone to work for you. These are unusual cases wherein you will be liable without directly causing injury to other people, but cases such as these do exist. It is best to be vigilant.

Seomul Evans is a SEO consultant and copywriter for Car Wreck Lawyer Visit the website to learn more about we handle Car Wrecks Cases.

Bankruptcy Ends Privacy

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I am not a lawyer, I am a judgment matchmaker. This article is my opinion, and not legal advice, based on my experience in California. Laws vary in each state. If you ever need any legal advice or a strategy to use, please contact a lawyer.

What if you have a judgment against a "rich" judgment debtor with a history of moving from rental property to rental property, paying the minimum to obtain residence, and then staying rent free until they get forced out by evictions? (This does not happen very often anymore, in the age of credit reports and landlord associations, however a wad of cash upfront, can blind many landlords.)

What if you found out where the judgment debtor worked, garnished their wages, and then you got a notice from a US Bankruptcy Court, that your debtor has filed for Chapter 7 bankruptcy protection?

As soon as you got that bankruptcy notice, you should quickly tell the Sheriff to stop the wage levy. Once someone files for bankruptcy protection, you should not try to collect money from them without first getting permission from the bankruptcy court.

When your judgment debtor files for bankruptcy protection, is it game over, and your judgment is now history? If your judgment debtor is actually poor, yes. If your debtor is not poor, hiding their assets, and a crook; and you have the time to spend many hours in and out of a bankruptcy court, maybe not.

If you have nothing more important to do, you can examine crooked judgment debtors in bankruptcy court, even with a small judgment. If you are busy, this makes sense only on judgments averaging $15,000 or more. If your judgment debtor is really poor, let it go, do not waste time trying to squeeze juice from rocks.

To bring a judgment debtor's fraud and perjury to the attention of a bankruptcy court, requires filing an adversarial claim. If you are not a lawyer, you better know what you are doing, or better yet, hire a bankruptcy lawyer. When you hire a lawyer, do not put your brain on hold, keep thinking about what will help win your case, and give your ideas to your lawyer. Never assume your lawyer knows everything you know.

One might think the judgment debtor's history of defrauding landlords could be a basis for a fraud complaint in a bankruptcy court. I am not a lawyer, and my opinion is that if the debtor defrauded someone else, you will have a difficult time claiming fraud in the bankruptcy court; because you were not a party to the cause of action, and not personally defrauded by the debtor.

However, if you were the debtor's landlord, you might have a possible cause of action for rental fraud, stemming from the original debt under USC 523(a)(2)(b). To win such a motion, you will need to show some proof to the court.

To win a motion under USC 523(a)(2)(b), you would need to prove that the fraud was intentional, and that your debtor knowingly and willfully provided you with false information. Some items of evidence could be a rental application signed by your debtor, with fraudulent statements about their finances.

If the debtor's misrepresentations were verbal, perhaps you could prove fraud under USC 523(a)(2)(a), however proving that is usually much more difficult.

The first step to proving fraud in court is investigation. There are several paths available for the creditors of bankrupt debtors. When debtors file for bankruptcy protection, their financial privacy goes out the window.

The key to winning a bankruptcy complaint for fraud, is plenty of discovery and hard evidence proving fraud. The first step is to ask the attorney representing the bankrupt judgment debtor for the debtor's filing information and disclosures, asset and liability statements, and itemized listings of their monthly living expenses.

One idea, is to request copies of the debtor's tax returns at least 14 days before the first scheduled meeting of the creditors. You might ask for five years of state and federal tax returns, or the tax returns from a few years before and after the fraud occurred.

Depending on the response you get, you might decide to motion the court for a rule 2004 examination of the debtor and possibly some other third parties, perhaps right after, or before the first creditor's meeting.

If you have a dishonest debtor, they often try to stonewall and hide information from creditors. Once the debtor files for bankruptcy, creditors are entitled to access their financial information, so that you can thoroughly analyze their real situation.

If you are deprived from doing your discovery in bankruptcy court because of actions from the debtor, then you may have a cause of action for an adversary proceeding under USC 727, which costs about $300 to file.

Bankruptcy court can be a "heaven" for creditors with time, patience, and knowledge. Bankruptcy courts are not perfect, and many will not let mortals (non-lawyers) pay with a personal check.

Bankruptcy courts are usually more spacious and comfortable than state courts. Most filings and motions (except motions for relief and adversarial proceedings) have no filing fees. Cafeterias in bankruptcy courts are usually good and reasonably priced.

You may be able to get your debtor kicked out of bankruptcy court for either not providing you with the tax returns you requested, or possibly for a bad faith filing for not complying with the court's order to produce documents under a rule 2004 examination.

Depending on the size of your judgment, you may decide it is simply not worth filing an adversary proceeding. You may also find that your debtor really does deserve to file for bankruptcy protection because they showed you all the documentation you asked for, and you found no evidence of deceit or fraud.

http://www.judgmentbuy.com/ - judgment enforcement. The easiest, fastest, and best way to get the most money for your judgment.

Mark Shapiro, the judgment matchmaker. We pay for judgment leads, and have the best quality free leads for enforcers, collection agencies and contingency collection attorneys.

Why A Copy Of The Judgment Is Needed

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I am not a lawyer, I am a Judgment Broker. This article is my opinion, and not legal advice, based on my experience in California, and laws vary in each state. If you ever need any legal advice or a strategy to use, please contact a lawyer.

A judgment is both a piece of paper, and a historical record system. A judgment includes records of certain specific events related primarily to getting, and trying to recover the judgment. Judgments are not cash, not guaranteed, and do not recover themselves.

When you contact a judgment broker, buyer, enforcer, collector, collection lawyer, or a collection agency; they will not do anything significant until they see a copy of your judgment.

No matter how much and what, you tell some person or entity about your judgment, they will not be doing much computer work, or researching your judgment debtor fully with public records, until they see the actual judgment. One exception can be if the person or entity is close to the court, and your judgment is big and looks easy to enforce, they might get a copy of your judgment themselves.

The reason a copy of a judgment is needed is because being named a judgment debtor is serious, and only the actual judgment can be counted on, to accurately name specific debtor(s) and the date and amounts on the judgment.

The proof of service for a judgment is often very important. Default judgments are weaker than contested judgments because on defaults, debtors might claim they were not served properly, even if they were.

As soon as you send the actual judgment paperwork, and what you know about the judgment debtor(s) and their assets; then you can get serious quotes, contracts, retainers, or agreements, for the purchase or recovery of your judgment.

There is no average, when it comes to how much documentation people keep for their judgment. Some people keep nothing. Some people keep only the one page with the court's stamp, that shows the amount owed.

Some people keep multiple copies of everything, including all receipts, court documents, notes, copies of email, proposed revisions of the lawsuit (the complaint), all work products, envelopes received, etc.

Keeping the one page "meat" of the judgment might work fine, however it is best to also keep a copy of the proof of service, and whatever is known about the judgment debtor(s). Also, keep all documents that evidence any previous steps taken to try to collect, such as writs of execution, levies, and liens.

You do not want or need to keep, copy, and send out a 40-pound pile of papers. You should keep what is needed and no more. What was important in the past should be re-evaluated a year later. I recommend you keep only the page(s) of the actual judgment, the proof of service, one copy of the final complaint, and anything that identifies the judgment debtor(s) and their assets.

Unless you use a judgment broker, you will have to send your judgment documents to several or many enforcers, because most enforcers are now very picky about which judgments they will buy or try to recover, in the current economic situation.

When you communicate with a judgment broker, buyer, collection lawyer, or an enforcer, keep focused on your judgment, and what is known about your judgment debtor(s). It does not help to ramble on about trivia or your dislike of your judgment debtor, or to send them too much documentation. After you find the right buyer or recovery solution, then you can send the extra documentation you may have.

Judgment documents can either be paper copies or PDFs. They cannot be printed dockets from court web sites only for many reasons, including court web sites are not consistent, and judgment amounts and other important information may be missing on court web sites, and they are not guaranteed to be accurate.

If you do not have a copy of your judgment, the court can make a copy for you for a very nominal charge. Your court might let you download a PDF of your judgment. If you hired an attorney, perhaps they have a PDF or a paper copy of your judgment.

http://www.judgmentbuy.com/ - where Judgments and debts get recovered or purchased by the best - expertly matched for free, to your debtor.

Mark Shapiro, the judgment expert. We pay for leads, and have the best quality free leads for enforcers, collection agencies and contingency collection attorneys.

4 Civil Summons Mistakes to Avoid

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Receiving a court summons for unpaid credit card debts is understandably worrisome. However, this is the kind of situation that could easily be prevented by being vigilant with your own financial obligations. In this article, we will discuss the four mistakes you need to avoid once you got served.

Don't Ignore the Summons!

Problems will not go away on their own especially if it involves a potential lawsuit so never ignore the court summons. In fact, once you got served, you need to act fast and acknowledge the problem by crafting your own Answers. Creditors are counting on delinquent borrowers to ignore the summons so they can follow through with their threats.

That said, do know that some creditors send out fake summons so if you got served, it's best to check with your local courthouse and verify the summons.

Respond to the Summons Immediately

Don't let guilt stop you from responding to the summons within the given time frame indicated on the document you will receive. Even if your debt is valid, within the SOL and you want to negotiate a deal with your creditor, you still need to respond to the Summons by crafting your Answers. If you fail to respond to the summons, your creditor will be granted a default judgment by the court, you not only lose the case, you are also expected to pay your creditor's legal fees.

Not Watching Out For Dirty Tricks

Your creditor may pull a fast one on you such as suing you in court rather than using the Sheriff to serve the summons. You should not tolerate this very sleazy practice. Unfortunately, some delinquent borrowers do not get to receive their summons because it was handed out improperly using a special process server instead of a Sheriff. As a result, the borrower won't have enough time to respond to the summons and the debt collectors are awarded with a default judgment.

Not Consulting a Lawyer

It's possible to face the lawsuit and defend yourself on your own. All you need to do is gather as much information as you can about representing yourself and fighting your creditor in court. However, you still need to consult an attorney. This way, you will know added information on how to defend yourself in court when negotiations between you and your creditor breaks down.

Don't be a victim of abusive creditors threatening to garnish your wages or freezing your bank account. With the right information, it's possible to defend yourself in court without hiring an attorney and win your case.

Learn how you can handle credit card lawsuit on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight credit card lawsuit! Visit http://answeringasummons.com/ for more information.

Social Security Disability Attorneys

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If you are disabled, and unable to work, you may qualify for Social Security Disability, or SSD. Applying for SSD is a long and complicated process; however, if you are ultimately approved it will provide monthly income, as well as qualify you for other benefits, for as long as your disability persists. A high percentage of SSD applications are initially denied, although you do have a right to appeal a denial. Given the complexity of the application process, and the importance of being approved, retaining the services of an experienced Social Security Disability attorney is strongly advised.

Social Security Disability requires two basic tests to be met in order to be eligible to receive benefits. First, you must have earned sufficient wages during the relevant time period in order to be considered for benefits. Second, you must have a qualifying medical condition that meets the Social Security Administration's definition of disabled.

The number of credits required to qualify for the work test component of the application process depends on a number of factors and is subject to change each year. In general, you need 40 credits of work to qualify, but when you must have earned those credits and the amount of earnings needed to equal a credit depends on your age and when you apply.

To meet the SSA's definition of disabled, you have to have a medical condition that lasted, or is expected to last, for a minimum of one year, or is expected to end in death. In addition, you must not be able to do the work you did before, and not be able to adjust to new work as a result of the medical condition. There are a number of conditions that presumptively qualify for Social Security Disability; however, this is not an exhaustive list and simply having a condition on the list will not, alone, guarantee approval of your application.

The application process for Social Security Disability is lengthy -- often taking six months or longer for an initial approval or denial. If you are denied and need to appeal the denial, you must do so within a specified time period or you will lose your right to appeal. If you are ultimately approved, you will receive a monthly monetary benefit that is based on various factors including your previous earnings record. You may also be entitled to retroactive benefits.

If you are disabled and unable to work, Social Security Disability may be a lifeline for you and your family. Retaining the services of an experienced Social Security Disability attorney early on in the process will ensure that you have the best chance possible to receive the benefits to which you are entitled.

Malaise Law Firm is based in Houston, offering experienced disability attorneys. Just leave success of your claim for Social Security Disability Insurance in our hands. For more information, please visit our website.

Responding To a Summons

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It is critical to start responding to a summons as soon as your local sheriff hands you the complaint. Debtors are only given a short period of time, usually 20 days, to file an Answer to creditors' allegations. This simple guide will help you in responding to a summons properly.

The summons will come with the complaint document. This document contains all the counts against you as well as the amount of money you allegedly owe your creditor. In itself, the summons is essentially notifying you that you have a certain number of days to responding to a summons or else, a default judgment is awarded to your creditor, giving them legal rights to take your bank savings and garnish your wages.

If the summons is ignored and your creditor wins the lawsuit, you will pay every cent of the total debt amount indicated in the Complaint plus interest on top of your creditor's legal fees. On the other hand, if you respond to the summons and answered each allegation with a list of your Affirmative Defenses with either an admit or deny response, your creditor will most likely drop the lawsuit altogether and move on to less informed debtors.

Responding to a summons is not that hard. However, it does take a lot of work on your part to obtain essential information you need to address debt claims as well as craft letters in legal form. Once you are done responding to a summons, you need to file it together with a Notice to Appear document.

When your creditor make the unexpected discovery that you know a thing or two about defending yourself in court, they won't even go as far as go on with the proceedings because lawsuits are very expensive and they would much rather move on to other debtors than pay more than they have to to pursue a single debtor.

However, if the case was not dismissed, you will then have to respond to all your creditor's Discovery and send out your own Discovery to the plaintiff.

Once the Discovery is completed, the legal proceedings will start. Note that there is a very slim chance of the case going as far as being heard in court but in case this happens, it's best to either hire an attorney or get as much information as you can about defending yourself in court. If you are representing yourself, as oppose to hiring an attorney, make sure to check with local court rules before and during the trial.

Learn how you can handle credit card lawsuit on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight credit card lawsuit ! Visit http://answeringasummons.com/ for more information.

Consider a Career As a Bail Bond Agent

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You may not be aware that one division of law enforcement is bail bonds, and so bail bond agents work for law enforcement. Bail bond agents work as recovery agents. Their primary role is to find people who have not met the conditions of their bail bonds, or who have jumped bail. Therefore, as you can see, there are strict rules regarding who can become a bail bond agent. You have to inform them of any crimes that you have been found guilt of, including those committed as a minor. Once a person has been approved to become a bail bond agent, they will be working under law enforcement. Bail bond agents can carry firearms, but this requires a different and separate application process and license. The most important thing that anyone can submit towards their personal records is their fingerprints. This will determine, whether you have ever been found guilty of a crime in the United States, or whether there are any criminal or civil cases pending against you. They do this verification exercise using a computer check in police record offices.

In order to qualify to be a bail bond agent, you have to be at least 21 years old, or older. This is the minimum age in this profession and they should be an American citizen to work as a bail bondsman in the country. You also must have a minimum three years of experience having worked with another bail bond agent, before you become a licensed bail bondsman. To prove your age to the necessary authorities, you can use a state or military ID. You can use any official documents to prove your age and nationality. You have to submit this identification document together with your application form when you apply. The government office will do a check on your fingerprints to find, if you have any criminal records in your past, or if you have any that are currently pending. Then you have to pay a fee of around $500 to $700. This fee is not refunded to you, whether you get the license or not. This fee amount varies from one state to another.

The government office will then make sure that you currently do not have any litigation or warrants out for your arrest. These can be criminal or civil. Even civil pending cases will instantly disqualify you from receiving a license to operate as a bail bondsman. You have to inform them of every crime that you have ever committed, even small ones, even those you committed while you were a minor. But, you do not have to inform them of small misdemeanors such as parking tickets. You should have almost a nonexistent criminal record, in order to qualify as a licensed bail bondsman. This is because you will effectively become a member of law enforcement. You have to submit all the necessary documents with your application. You should also include a copy of an official identification, GED and any proof that you have an experience in working with bail bond agents before. You should also pay the fee, when you submit your application. You will be informed of their decision regarding your application within a month. If everything is in order and your application has been accepted, you will then have to take an exam. The examination will be conducted at the Department of Revenue offices. If you pass the exam, you simply have to wait to receive your license.

About the Author:
Bail bonds
Bail bondsman basically provides a contract to the court ensuring that the defendant would appear in the court. The guarantee is provided by the defendant's family members or friends.
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What a Process Server Really Does

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Serving process is a job that is surrounded by many misconceptions. Usually taken up by private investigator firms, process serving is a function that operates privately, independent of the courts, to deliver court materials and legal documents by an impartial third party. Common use is to deliver materials and contracts to unwilling parties, or to directly subpoena defendants with court summons.

Processes are court documents or legal documents that can range from summons to complaints. A process server is used to provide court verification that a document was received by a party involved with the case.

For a quick example, image you are a tenant who is taking your landlord to court for failing to fix some items in your house, as per the lease agreement. The landlord is refusing to answer your calls and you have decided to take that landlord to court for either money back from your rent, or to force the landlord to make the repairs. Your lawyer would hire a process server to track down your landlord and deliver the court summons to them, legally mandating their presence in court on the appointed date. The process server does not work for you and your lawyer though.

The fact that they are a third part is essential to a process server's job. People have the misconception that the process server works in the favor of the plaintiff, but a certified process server must have sworn an affidavit on a case that they are serving to say that they are totally impartial upon serving of the papers. They can have no connection to either the plaintiff or the defendant, insofar as they are hired by the plaintiff's lawyer to serve the papers and ensure a court date.

Each state has their own set of regulations for how a process server can legally consider the documents served. In the state of Virginia, processes can be delivered in person for the most effective serving. However, they have several other tactics that they may use to serve the documents. If another party answers the door of the defendant's residence, they may leave the documents with that individual to then give to the defendant IF that individual is a family member of the defendant, is at least 16 years old, is not a guest in the house but a permanent resident, and is told the circumstances of the documents. If all else fails they can simply attach the process to the front door of the residence, and only the front door. If the defendant has been deemed to have left the state or abandoned the home at which they are legally living, there are other ways to effectively consider the process to be served as well as well.

Hiring a process server is a great way to assure that your court sessions run smoothly and on time. With processes served within the court's time sensitive scheduling, some processes can be served within a couple of days. Rather than getting into a direct situation use a process server to formally and legally announced litigation.

East Coast Investigations is a private detective agency for the state of Virginia. They also perform process server functions. Visit them at http://www.eastcoastinvestigation.com/.

Andy Paulson is a media representative for East Coast Investigation, Inc. East Coast Investigations is a private detective agency for the state of Virginia. They also perform process server functions. Visit them at http://www.eastcoastinvestigation.com/.

Taking Action: Handling Debt Collector Threats

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Generally, debt collectors are prohibited by law to threaten delinquent debtors with anything that they cannot legally do. They cannot threaten you to take your house unless they hold a mortgage on your home, they cannot threaten you with harsh language, intimidation tactics, name calling or freeze your bank account.

If you feel that your debt collector has crossed the line, you need to keep a good record of any and all threats made. Every interaction, conversation, phone calls must be documented. If you are in a position wherein you cannot take notes of any conversation with your debt agent, it's best to not answer the call or engage in the conversation.

When to Consult an Attorney

If you got served with a court summons, it is recommended that you seek the counsel of an attorney. Ignoring the summons will not make the problem go away. If you fail o respond to the summons on time, your creditor will be granted default judgment, which will allow them to legally garnish your wages or levy your bank account. An attorney can help guide you on how to handle the lawsuit and respond correctly. Additionally, you need to familiarize yourself with local court rules and get as much information as you about defending yourself Pro Se in court.

Stop the Harassment

You have the right to stop the harassment from a third-party debt agent at any time you choose. You need to create a Cease and Desist letter, indicating that you no longer wish to be contacted about your debt. The collector can send you one more letter to let you know what their game plan is and that's about it. However, do note that you might be contacted for the same debt by a new debt collector assigned to your case.

The fact is, thousands of debtors fall victim to aggressive collection efforts applied by debt collectors who want to shame or intimate them into paying up. The question is, will you let them get away with it? Will you let junk debt buyers or debt collectors step on your rights? You need to stand up for yourself and stop the madness. Don't let your debt collector bully you into paying. Learn how to fight for your rights and turn the tables around!

Credit card debt collectors are notorious for unethical practices and aggressive collection efforts. Don't just let them get away with using scare tactics to get what they want. You need to set aside your fears and fight for your rights to win your case.

Learn how you can handle credit card lawsuit on your own and WIN your case! Visit answeringasummons.com for more information.

What Is the Purpose of Immigration Bail Bonds?

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When the INS (Immigration and Naturalization Service) arrest an immigrant for whatever reason, the immigrant can be released, if he is able to post a bond. This type of bond is called immigration bail bonds. However, it is the INS that will decide how much the immigration bail bond has to be. The immigration bail bond essentially works as a kind of insurance. It is to make sure that the immigrant will turn up to all the required proceedings, if he/she is allowed to be free in the meantime. INS decides whether a detained immigrant can receive this kind of bail bond or not. They will decide whether the accused will attend all of his/her proceedings (in the courts or at the INS). He/she has to attend all of these meetings, until the case is concluded. If the INS believes that the individual may not attend all the proceedings, then it is up to them to decide to withhold an immigration bail bond and keep them in detention. The decision is also based on if the INS feel that the individual is safe for the public or not. If they feel that the individual could be a source of danger to the public, they keep them in detention.

In order to make these determinations, the INS follows many stringent legal procedures. To learn more about these, you will have to get in touch with the INS. The INS will also stipulate the amount of the bond. Bonds that are low are paid in cash. Once the INS receives the bond payment, they will release the detained immigrant. Then the immigrant is considered to be free, until the judgment. To determine whether or not an immigrant will be released under bond, the INS will hold an inquest. Here, they will stipulate the amount of the bond, if any. However, immigration bonds come with certain conditions. These must be stipulated to the immigrant. If the immigrant meets the conditions, they will get their money back, once they have posted the bail. This only happens when the immigrant has met all of the conditions and obligations of the bond.

If, for whatever reason, the immigrant cannot afford to pay for the bond, they can take the services of a bail bondsman. These people work for insurance companies. The insurance companies provide funds for bail bonds. They earn their money by charging commissions for these kinds of bonds. In this case it is not the immigrant who signs for the bail bond, but a different person. But, the bond is still made on the behalf of detained persons. Not only do the insurance companies charge fees for their services, but they will also require some collateral. Some areas stipulate that the agency that provides the immigration bond funds have standard bond licenses, as well as casualty licenses. The national government provides suitable companies with the necessary licenses. You can get in touch with the insurance commissioner in your state to verify, whether the insurance company is an approved issuer of bail bonds and has the license or not. When an immigrant does not meet the terms and conditions, they are re-arrested and will no longer qualify for a bail bond.

About the Author:
Bail bonds
Bail bondsman basically provides a contract to the court ensuring that the defendant would appear in the court. The guarantee is provided by the defendant's family members or friends.
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Response to Summons: Card Statements Attached With Summons

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Served by a summons with no credit card contract copy attached? In cases where in junk buyers file complaints to old delinquent debtors, they fail to provide a copy of the original contract (these documents are not turned over to them by the original creditor) and instead, come up with a vague affidavit to build their case. Make sure to check before you create a response to summons.

It is within your rights to demand a copy of the original credit card agreement as proof that the debt in question is truly yours. If you received a summons and the necessary documents are not attached with the complaint, you can file a Motion to Dismiss the case in Lieu of an Answer. The plaintiff is then given 60 days to produce said documents.

Before the given period is up, your creditor will file all credit card statement issued to you. If this happens, you need to check the Customer Agreement over and check the Copyright date. If you see any discrepancies, you can file a Motion to Strike the Agreement as being irrelevant and win your case.

When creating a response to summons, you need to check whether the statements are accurate. There are cases wherein the junk debt buyers will attach fabricated or altered credit card statements. See if these credit card statements have the original creditor and your account number listed on them. Are these statements copies of the original statements or are they the original statements?

Even if the plaintiff was able to get their hands on your credit card statements from the original creditor, they will still need to prove that the creditor in question is the real party in interest. The plaintiff will still need to prove that the original creditor sold your account to them. This is called the Chain of Assignment or Assignment.

Any error on the Customer Agreement could spell victory so make sure things are in order before you craft your own response to summons. Note that the Customer Agreement preside over your entire account. This is what you agreed over when you opened your card account and from here, you will learn exactly what you are being sued for. It is important to check of the Customer Agreement and make sure that the date coincides with the year you opened the account with the original creditor.

The plaintiff will have to prove that you own the debt and produce real assignment and not fabricated nonsense made up to trick you into paying the debt in question. The assignment must come from the original creditor who sold the debt to them and the original creditor must sign any documents they claim were from the original creditor.

This just goes to show that presenting statements is not enough to win a case! Therefore, if your junk debt collector claims to have the original credit card statements, don't give up too easily. Remember, the older the credit card debt is, the harder to prove its ownership. Even of a debt is only a few years old, junk debt buyers will still have to prove that they can legally collect that debt.

Learn how you can handle credit card lawsuit on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight credit card lawsuit ! Visit http://answeringasummons.com/ for more information.

Credit Card Debt Relief: Tricks to Watch Out For

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Facing credit card debts is challenging particularly at this time when the economy is at its worst. Unfortunately, some unscrupulous companies are trying to capitalize on this worsening problem, taking advantage of unsuspecting victims who are trying to find card debt relief. Essentially, all credit card debt relief scams offer the same thing, they promise people relief from debt later for payment now.

Several years ago, lump-sum debt settlement was the number one debt relief scam because fly by night companies charges exorbitant fees before their customers even pay their creditors, which is a step back towards better credit management. Thanks to new federal rules, formalized in 2010, it is now illegal to ask for upfront payments for debt settlement services. In this article, we will discuss various scams you should watch out for as you find credit card debt relief programs.

Redemption Certificate or Bond For Discharge of Debt

The Federal Reserve Bank and the Office of the Comptroller of the Currency has identified this credit relief program as a type of "fraud" because this may cause criminal liability to the debtor. So don't enter into any agreement without reading the contract or seeking the help of an attorney.

Arbitration Awards

Unfortunately, many credit card agreements still feature an arbitration clause in them. This clause states that you and your card company agrees to settle disputes with arbitration, not court action. This means you will be charged hundreds of dollars when you get an arbitration award from a licensed arbitration firm that says you do not owe any money on your account. Anyone who uses this strategy risks having poor defense for any potential court action.

Companies That Purchase Your CC Account and CC Debt

Some credit card agreement indicates that an account may be sold to another entity. However, because credit card debt are unsecured type of loan and being handed to a corporation, card banks will have no choice but to charge it off.

Novation

Novation refers to the substitution of a new contract for an old one or the substitution of a party in contract with the other party. The act of using the card under the new contract is regarded as the holder agreeing to the new terms and conditions. It's important to check the new terms and conditions as most card company use this type of agreement to trick you into not paying your bills without establishing a legal defense or dispute for doing so.

Learn how you can handle answering a summons on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight credit card lawsuit! Visit http://answeringasummons.com/ for more information.

How to Fight a Credit Card Lawsuit: Request to Admit Facts Collection Lawsuit

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Learning how to fight a credit card lawsuit starts with arming yourself with as much information as you can particularly when the plaintiff will file a Request to Admit facts. Remember, just like creating your Answer, you are only given by the court a limited time to answer any questions from the plaintiff and if you did not answer on time, you could lose your case.

If you want to learn how to fight a credit card lawsuit, it is important to note that Interrogatories and Request for Documents are critical during the Discovery phase of the lawsuit. As far as defending yourself goes, the Request to Admit Facts is the most important part of the Discovery phase which is why it is imperative that you answer on time.

What makes this phase intimidating to debtors who do not know how to fight a credit card lawsuit is that junk debt buyers and collection agencies will go all out in this phase. They will conveniently leave the fact that you have only limited time during Discovery and use your state's court rules to bring a favorable decision to them.

To learn how much time you have to file all necessary documents during the Discovery phase, it is best to review your court rules. Check the Discovery or Request for Admission page. Usually the defendant and the plaintiff are given thirty (30) days to Answer the Request to Admit Facts otherwise, they will be deemed admitted (which your plaintiff is counting on when it's your turn). The plaintiff is hoping you don't know how to fight a credit card lawsuit and you are not aware of your state's local court rules allowable period to answer the allegations.

If you failed to answer on time, your creditor will quickly file a Motion to Deem Admissions! So better get crackin' and file the documents on time! If you leave out any question, it will be deemed admitted. If you check the questions that your plaintiff arranged for you, you will see that they are making you admit that you own the debt, you own the credit card account, you admit that you made payments and you agreed to sign anything that pertains to the debt so be careful when answering these questions.

Consequently, your creditor also has a limited time to answer your Request to Admit Facts. As soon as you mail your request, the clock starts ticking. If your creditor failed to answer on time, you can file a Motion to Deem Admissions.

So if you do not know how to fight a credit card lawsuit, the answer is obvious, find answers! Check the local court rules and look for any helpful information online. Consult a debt attorney and learn what strategies will work best for your own case. Most importantly, do not ignore the summons! Answering the summons on time is probably the best way to assert that you are well-aware of your rights and you are not afraid to fight creditors off in court.

Learn how you can handle answering a summons on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight credit card lawsuit! Visit http://answeringasummons.com/ for more information.