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Where’s an Attorney When You Need One?
by: Charles Kassotis
Many of us like to think we’ll live forever. Or at least we act that way, never giving thought to the necessary preparations for dying or the possibility of having an accident or becoming a victim to someone else’s negligence. So when these things happen or become imminent, we suddenly are forced to scramble in search of legal advice or assistance. That’s why it helps to have the name of a good local attorney on hand.


Start by checking your city’s legal directory or bar association for the name of a general practice attorney who can help you with a variety of legal questions, including estate planning, making a will, preparing a power of attorney for aging relatives, arranging guardianships, helping with debt management, and offering legal counsel for other matters. You may even want to set up an initial meeting to introduce yourself and provide a personal overview. Your attorney can ask about certain areas of your life that could benefit from legal direction, or you may want to discuss certain areas that you are unsure about.


If your region does not have a local bar association, contact the state bar association to request a referral to a licensed practicing attorney in your area. You also might want to browse the Internet to visit websites of law firms that specialize in various kinds of law that might pertain to your situation. For example, if you were recently involved in a car accident, you may want to find an attorney who handles personal injury or property damage insurance claims. Or if your mother needs help in paying her bills due to declining physical or mental stability, an attorney can help you arrange for power of attorney or a guardianship.


Of course, you can always use that old standby, the yellow pages of the telephone directory and call law firms listed there when you find one or more ads that appeal to you. Word of mouth is another way to find out which attorneys come recommended from family members, coworkers, and friends. Some legal firms advertise in the newspaper or on the radio, so check these areas, too.


Don’t wait until you need an attorney before contacting one. Consider making a living will in case you are seriously injured or ill in the future, and a regular will for making final arrangements for your demise, which all of us must face one day. You also can manage your financial holdings with an attorney’s help so that they are ready to pass down when a minor child comes of age. Whatever your personal circumstances, a lawyer may be able to help you get fair terms and benefits to which you are entitled. Begin searching today so you will have the name of a competent lawyer handy when your time of need comes around.

About the author:
For help in finding an attorney, check out the Find Law Attorney Directory at http://www.lawyersfindlaw.com


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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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