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What You Need to Know About Moving Violations

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traffic ticket lawyerOne thing’s for sure — having a car means spending money. From maintaining it with regular service checks, paying for parking, and keeping the tank full, cars can be a gigantic money suck. But, of all the costs of a car, one thing in particular seems to make it especially exorbitant — tickets. No matter how vigilant a driver and car owner you are, chances are that at one point or another, you’ll get a ticket of some kind. Generally, you are most likely to get one of two kinds of tickets: parking violations or moving violations. Check out this explanation of moving violations here, and remember, a traffic lawyer can help you when taking a ticket to court:

Moving Violations
A moving violation is a violation of the law committed by a driver of a vehicle while it’s in motion. Moving violations are typically charged against the actual driver of a vehicle. They are also usually classified as infractions or misdemeanors, but more serious types of violations, like a hit and run, driving under the influence, or road rage, can be considered felonies. Indeed, these are also very common: Around 41 million speeding tickets are issued each year, and every day, 112,328 people are slapped with an average fine of about $150 for speeding.

Some examples of moving violations include speeding, which can include exceeding a limit or simply driving at an unsafe speed. Failing to maintain an Assured Clear Distance Ahead (ACDA), running a stop sign or traffic light, failing to yield to another vehicle with the right-of-way, failure to signal, failure to drive in a lane, failure to use a seat belt, and driving in a car pool lane illegally all fall under the heading of moving violation. Your traffic ticket lawyer will be able to help you figure out the finer details of your ticket.

As any traffic ticket lawyer can tell you, moving violations almost always involve fines and sometimes points on the license of the driver. As the driver accrues points, he or she may be required to take such measures as attending defensive driving lessons, retaking his or her driving test, paying more taxes, or surrendering his or her license.

The National Highway Traffic Security Administration estimates the collective cost of speeding and related accidents to be around $40.4 billion each year and if you get a moving violation, you will inevitably have to pay a pretty large sum. Get a traffic ticket lawyer or speeding ticket lawyer for help with taking a traffic ticket to court or for tips for traffic court in general.

3 Things You Didn’t Know About Bankruptcy

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local bankruptcy attorneyBankruptcy has a lot of culturally held and reinforced connotations — for instance, many think that it’s a last resort for people or businesses that have really hit rock bottom after having been unwise with their money. But the truth is that bankruptcy is actually a way for the government to help individuals or companies manage their debt, and to restructure their financial management in order to make repayments. Moreover, bankruptcy isn’t just limited to people who have been fiscally irresponsible — indeed, bankruptcies as a result of unpaid medical bills were filed by an estimated two million people in the United States during 2013.

There is a lot that the public doesn’t know about bankruptcy and bankruptcy proceedings, which is one of the reasons it is important to work with a local bankruptcy attorney if you seek to file at some point in your life. Check out these little known facts about bankruptcy to build your own knowledge base about it:
  • In order to file bankruptcy, a person must owe at least $1,000 — while it is uncommon for someone to file for such a small amount, everybody’s financial loan debt and situation are different, and they can all weigh heavily. For some people, a $5,000 debt load can be just as unmanageable as a $100,000 one.

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  • Your credit will, in fact, recover. It is true that a Chapter 7 bankruptcy stays on your credit report for 10 years after it is arranged, but even during that time it is more than possible to apply for and receive different types of credit.

  • While household income is used to determine the length of time a person may remain in bankruptcy and what they will pay on a monthly basis, there is no income cap for declaring bankruptcy.
A Chapter 7 bankruptcy case can take around six months to complete, and after that time, a bankruptcy trustee will have worked out a plan with your creditors so that you can start repaying your debts, restructuring your finances in general, and living your life again. If you see this as an option, contact a local bankruptcy attorney today to get started.

Stop Speeding! It’s Not Worth It!

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fighting a traffic ticketSome people want to do one thing when they get behind the wheel: drive fast. Maybe it’s from a lack of excitement in their lives. Maybe they played too many racing video games growing up. Maybe they just have a heavy foot. Regardless of the reasoning, speeding can kill.

Everyone goes through it. Usually, a week or two after you first get your license and you have that freedom for the first time in your life, you want to risk it all by going too fast. Some of the more mature individuals realize — fairly quickly — that speeding is not worth it. You could end up killing yourself or someone else, end up wrecking your vehicle, go to jail or pay hefty fines. There is no way around it. It’s NOT worth it.

Some people, unfortunately, have an urge to speed well into their adult driving lives. It doesn’t matter if it’s a 16-year-old or a 55-year-old, people driving excessively fast are a danger to themselves and everyone else on the road.

Speeding tickets, though everyone complains about them, are one of the best possible outcomes you can have after speeding. You’re going to have to pay a fine, yes, but hopefully, that’s how you will learn to stop driving fast and putting others at risk.

The National Highway Traffic Security Administration reports that the annual collective cost for speed-related accidents is approximately $40.4 billion. Every year about 41 million speeding tickets are issued at about $150 per fine, equaling out to over 112,000 speeding tickets per day.

People just don’t get it. That’s too much speeding. We all need to stop speeding and take better care of our roads, our cars, and ourselves.

Fighting a Traffic Ticket
However, there are circumstances when a speeding ticket is not just or fair. Fighting a traffic ticket doesn’t have to be an excruciating event. It’s important to speak with a traffic ticket lawyer before taking a ticket to court so you know what to expect.

Every situation is different, but some tips for traffic court include waiting patiently, dressing professionally, consulting with your traffic lawyer, and respecting the judge.

Fighting a traffic ticket can also be done by challenge the ruling of the ticketing officer. If you can prove that your driving was either legal, necessary to avoid serious harm, or that it was a mistake of fact, you might be able to get out of the ticket. Drive safe out there!

Bankruptcy Help: Which Kind to File?

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bankruptcy helpAre you considering filing for bankruptcy but don’t know where to start? Lawyers and attorneys can provide bankruptcy help, but first, take a look at your current situation and think about what you need.

There are some common scenarios that happen time and again that require people in difficult debt situations to seek out bankruptcy help. If any of these situations sound familiar, see our answers to determine which of the different types of bankruptcy filings is right for you.

  • Situation: I Need to Wipe Out My Debt.

    Answer: Chapter 7 bankruptcy. This is what’s known as “liquidation.” The court will work to eradicate any unsecured debts — meaning your credit card, personal loans, and medical bills.

  • Situation: I Need to Find a Different Way to Repay My Debt.

    Answer: Chapter 13 bankruptcy. This method is about “reorganization,” and while some debt may be eliminated or reduced, others will still need to be repaid in time.

  • Situation: I Have a Low Income or Little Disposable Income.

    Answer: Chapter 7. This only works for people who have little to no extra income after paying their monthly living expenses and have no assets to sell for debt repayment. While the fee for filing for bankruptcy under Chapter 7 is only $306, bear in mind that it will stay on your credit report for 10 years afterwards and takes around six months to complete.

  • Situation: I Own Property or Have a Disposable Income.

    Answer: Chapter 13. Many people with financial assets cannot file for Chapter 7. You can only exempt a certain amount of property when you file for bankruptcy; the more nonexempt property you own, the higher your payments will be.

  • Situation: I Have Nondischargeable Debt.

    Answer: Chapter 13. If you owe money in taxes, student loans, or child and spousal support, they will not be wiped out by a Chapter 7 filing.

  • Situation: I Need to Stop a Mortgage Foreclosure.

    Answer: Chapter 13. This is another difference between Chapter 7 and 13. A mortgage lender will be forced to accept your new payment plan, provided you can demonstrate adequate future income.
When you need bankruptcy help, take a moment to assess your own conditions, needs, and assets before you schedule a meeting with a bankruptcy attorney. That way, you can ensure the process not only runs smoothly, but gets the results you need to move forward with your life.

A Boom and Then a Bust: Celebrities Who Went Bankrupt

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bankruptcy lawyerIn 2013, there were over 1,071,932 bankruptcy filings in the United States. Of those bankruptcy cases, 8,980 were Chapter 11 bankruptcy filings, which usually means that it is a business or partnership filing. But, as any bankruptcy lawyer can tell you, the vast majority of cases are individuals filing for themselves. Check out this list of high-profile, famous people who couldn’t handle their money.

M.C. Hammer: Once upon a time, Forbes estimated that M.C. Hammer’s net worth reached $33 million, but that all came tumbling down in 1996, when he filed for bankruptcy due to his too luxurious lifestyle and huge staff (costing around $13 million).

Burt Reynolds: Alongside M.C. Hammer was Burt Reynolds, who was driven into bankruptcy after his failed restaurant venture and costly divorce from Loni Anderson.

Larry King: In the early and mid-1970s, Larry King had managed to collect $352,000 in debt, especially after being publicly accused of grand larceny, by no one less than his former business partner. He was offered his eponymous show the very year (1978) in which he filed for bankruptcy.

Mark Twain: The famous and iconic American writer Samuel Clemens (aka Mark Twain) did get fairly rich from his published works, but he made some seriously bad investments that sunk him deep into debt. Before he declared bankruptcy in 1894, he assigned his copyrights to his wife and got rid of his publishing house.

Ulysses S. Grant
Once the legendary president left Washington, he settled down in New York and invested a large chunk of his money into a Wall Street firm, of which his son was one of the owners. His son’s other partner, unfortunately, embezzled a lot of its investors’ money, causing the company to have to declare bankruptcy — Grant soon followed.

People have been declaring bankruptcy in America for almost 200 years at this point, and it doesn’t look like an institution that is likely to go away. Indeed, as long as personal wealth can accrue and the free market remains, people will become bogged down with debts and expenses. And it doesn’t always mean that a person was irresponsible with their money, either — bankruptcies resulting from unpaid medical bills affected an estimated 2 million people in the United States during 2013. If you find yourself wondering how to file for bankruptcy, don’t hesitate to contact a bankruptcy lawyer today.