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Bosans Law - Legal News & Issues Bosans Law Legal News & Issues Main menu Skip to primary content Skip to secondary content Home About Us Contact Us Search Post navigation ← Older posts 3 Alternatives To Declaring Bankruptcy Featured Posted on November 7, 2014 by bosans Many people believe that during tough financial times “bankruptcy” is the only option they have which can be very stressful. Bankruptcy has been associated financial turmoil and people often think they have lost everything which in most cases is true depending on your situation. Over several years, there have been many changes to personal bankruptcy and you have options available if you find yourself in trouble. These days it’s better for creditors to work with the filer so they can try to recover some money instead of losing all of it. If you are in a tough financial situation, it’s better to explore your options starting with a payment structure which allows you to keep your assets making small monthly payment. Let’s look at 3 alternatives to declaring bankruptcy. Debt Removal If you have taken a loan and owe money to creditors you might have a way to remove the debt from your file. For creditors to come after you, they have to verify that it is real and that you actually took the money from them. A bankruptcy attorney from Minnesota law firm Bolinske Law, LLC indicated creditors would rather negotiate your debt as opposed to pursue legal action. Many times when you owe money, you’ll be asked to repay the money and if you cannot make adequate payment, creditors will send the file to someone else to recover the money. However, they are not the people you borrowed money from so legally might not have a right to collect the money. If the original owners of the debt have written it off or sold it to someone else to collect, you might not have to pay it back since it was not borrowed directly from them. Debt Consolidation Instead of filing for bankruptcy, it might be a good idea to contact some debt consolidation companies that can help bring everything under one roof. These companies specialize in working with creditors to combine debt allowing you to make one easy payment each month on your own terms. This provides a way for creditors to get their money back and allows you to hold onto your assets. You don’t have to wait 7 years before having your credit file clean and while making payments you are building your credit back up for the future. Debt Negotiation Creditors will work with you to lower your debt by lowering the cost owed. This will decrease your monthly payments making it easier for you to pay off the loan and not file for bankruptcy. Many creditors will work and lower the debt so they can recover some of the money and you won’t have to file for bankruptcy saving your credit allowing you to make comfortable payments each month. It’s as simple as contacting them and letting them know your situation and in most cases they will provide you with a reduced offer. Posted in Bankruptcy Law 3 Things To Do If You’re Charged With A DUI Featured Posted on July 27, 2014 by bosans Getting caught while driving intoxicated can be very devastating for you, especially when this is the first time you are involved in that situation. For those of you who have been involved in that situation will know exactly what to do however there are many which will start to panic. If you’re charged with DUI, than you need to know your rights and always know what are the procedures involved during and after being charged. You can find a lot of information online that will guide you however when you get caught, you need to start moving in the right direction immediately. It can be a lengthy process when you are fighting a DUI charge, so don’t waste time doing the following 3 things. We’ll be discussing the 3 most important things to do if you get charged with DUI. Know You’re Rights When you get pulled over you are entitled to many rights so it’s important to know what they are. There are many things that a police officer is not allowed to do starting with pull you over for no reason. However, if you do get pulled over because you are heavily intoxicated than you should know you’re rights at the police station. You are allowed to ask for a phone call so you can call your family, friend or even loved one. Next, you are allowed to contact an attorney because they will be able to ask you a few questions and provide you with important steps on what to do next. Once you are released from the police station, the police station officer must make sure you get home safe which means even giving you a ride if you don’t have money or anyone around. Contact an Attorney Once you have been charged, make sure that you contact an attorney for a free consultation because they will be able to provide you with very important information. Ask them how serious the case is and what happens if you are convicted. Even when you hire the best DUI attorney for your DUI case, they will want to know the full detail on the charges. They’ll be able to provide you with a breakdown of first, second and third time offenders. They are offering you a consultation so you can ask those questions so have a list ready before arriving. Having a lawyer by your side can prove very important in court especially if you have a strong case however if it’s you’re first offense, you might get off easy. That’s why it’s important to explore your options and to ask your lawyer the options you have available. You can visit a few lawyers to gather some great feedback before making your final decision. Explore You’re Options Now that you are done your research, it’s time to explore your options and choose one that you find suitable. By now you’ll have an idea of the seriousness of the crime and what the consequences are so it’s time to make a decision. If you’re going to hire an attorney than hire the one that provided you with all the answers and you feel will be able to get the job done. If you are going to do a plea deal than why not find out if you will get a lighter sentence for accepting your mistake so that you can move on. It’s a good idea to check your finances to make sure that if you hire a lawyer you can easily pay the fees required. Remember, if you decide to a plea deal there might be some other expenses involved like interlock, classes and getting your license renewed. Posted in DUI Law 3 Basic Requirements Needed To File A Personal Injury Claim Featured Posted on July 2, 2014 by bosans Before proceeding with your personal injury claim, it’s important that you have all the information required to streamline the entire process. The information you gather will be different depending on the type of claim you are filing which can be either workers compensation or through your lawyer. Having the right documentation will ensure that the accurate reports are ready when they need to be collected. If you are ensure about what the requirements are then simply log online and st...

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