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Filing a Law Suit for Personal Injury Victims
by: Carla Ballatan
Did you suffer physical injuries and incurred hospital bills and other costs, that are the result of the negligence or fault of another person? Under the personal injury or tort law, you can file a lawsuit and charge the person for compensation. Indeed! So, what do you need to understand in filing for personal injury law suit?

Personal injury law is the branch of civil law referred to for a personal injury lawsuit. In personal injury law, the plaintiff is the victim of an alleged wrong or in the case of wrongful death, the loved one of the victim. The defendant is the one believed to be legally responsible for the injuries sustained. Generally, personal injury lawsuits are intended to provide compensation to the injured party and discourage the continuation or repetition of the behavior that caused the injury. Specific guidelines apply to personal injury lawsuits that may vary depending upon the state where the suit is brought and other circumstances.

To establish a successful personal injury lawsuit, liability and damages are needed elements. In proving liability, the plaintiff must establish that the person did bear legal responsibility for injuries. The extent ot the amount of injury or loss, referred to as damages incurred on account of the defendant’s action or negligence.

Three bases are referred to in determining the elements of liability and damages: intentional wrong, negligence and strict liability. Intentional wrong is when the defendant have known and/or planned the injury to be inflicted. This is least often used and on the situation this arises, can be brought in conjunction with criminal charges. Negligence means that the defendant is accused of causing the injury through a failure to prevent it. Slip and fall injuries, reckless/inattentive drivers who cause car accidents are circumstances that may be involved in a personal injury lawsuit based on negligence. Legal responsibility, like for example the making or release of defective or unsafe products are involved in lawsuits based on strict liability. As long as the product was being used as intended, the strict liability applies regardless or malice or negligence.

Most personal injury lawsuits are settled outside of court and even prior to the beginning of courtroom proceedings. Those that go to trial in court are either heard ny a judge or a jury to make a legal decision on the fault and extent of damages. In some cases, the judge determines the amount of money to be awarded to the plaintiff, in others, the jury makes the decision. A personal injury lawsuit may result in an award that numbers well into millions of dollars.

If you believed you are qualified to file for personal injury lawsuit, it is important to contact an experienced personal injury attorney immediately. Remember, that there is a limited amount of time given to file for a personal injury lawsuit – the statute of limitations that vary from state to state. Get help and consult what you’ll be needing to win your case.



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Legal Debt Collection Tricks
 by: Steve Austin

If a customer owes your local business money, it's hard not to feel angry, like you want to do anything possible to get your money back. But the days of going all out to collect on a debt over.

The Fair Debt Collection Practices Act, designed to protect consumers from harassment or intimidation, sets firm limits on what you can do to collect a debt from a consumer. The federal debt collections law even prohibits practices that were once standard, and that you might not consider harassment at all.

Besides, as a local business, you have an even more powerful reason to be especially careful about legal debt collection issues. You have something much more valuable at stake than a lawsuit: your business's reputation in the community.

Legal Debt Collection Best Practices:

There are plenty of articles on the web that lay out in plain English what the Fair Debt Collections Practices Act says you can and cannot do. Just to give you some idea of the law's requirements, here are some of the biggest:

- No telling any third party about the debt (except collection bureaus, collection agencies, or the debtor's attorney).

- No calling on the telephone 9 pm - 8 am, or calling repeatedly in a way that is annoying.

- No postcards or envelopes that mention the debt.

- No threats to take actions you cannot or will not really take, such as seizing property, in the case of an unsecured debt.

- No misrepresenting yourself (e.g., "Hi! This is the Publisher's Clearinghouse Sweepstakes. May I speak to John?").

- No paying down the debt with payments the customer has directed be applied to other debts

Tips and Tricks for Legal Debt Collections:

With all these limits on what you can do to collect a debt, what can you do legally?

- Speak with the debtor personally on the telephone



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