The Best Spousal Support Attorney

As happy as one is when they are getting married, it’s ten times more depressing when the same marriage falls apart. It is not only stressful for the parties involved but there are a number of legal formalities that only increase once the case engages children as well. However, with the breakdown of a home the financial position of the partners are also affected. In this regard, one of the parties that are most affected financially due to the divorce are give the latitude to apply for spousal support that is also known as alimony. This article will enlighten you with all the important things you need to know before hiring an Albany attorney.

Spousal Support or alimony are monthly payments that one spouse is supposed to give to another one who is in a financially inferior position. The payments are court-ordered and the payments continue until the other party finds a stable job to support their household or their remarriage can also end the support. The laws regarding spousal support may vary according to the State and in order to gain the prior knowledge regarding the paperwork and documentation it is always best to reach an Albany Spousal Support Lawyer or an Albany attorney.

Once the parties are through with the dissolution of their marriage, it is very normal for the legal professionals to discuss the dynamics of alimony. Many legal experts sort this out by discussing some of the important questions such as the amount that both parties must agree on to, the length of support, the method through which the amount will be collected and finally if any changes to the agreement are to be made is usually discussed with both parties and then the paperwork is done accordingly.

There are some implications in the matter that every individual must understand. When it comes to alimony the legal expert first assess the length of time the marriage lasted and the assets that were acquired during this period. The financial assets of both parties are then evaluated and if proper assessments of the assets points towards the fact that one of the parties may be unable to support the same post-divorce lifestyle and the marriage lasted for a longer time then the alimony would be a long-term one. On the other hand, it is completely the other way around if the marriage lasted only for a brief period of time.

However, it must be further noted that when spousal support proceedings are in progress all assets including estate and even your liquid assets can become a major risk; therefore, a spousal support lawyer should be by your side to help you protect your investments. It is further important to carry out proper research before you hire an Albany Attorney to represent your case; usually an inexperience lawyer can only worsen things up for you for both parties who are either seeking spousal support or giving one. Hence, always exercise caution in such matters and do not make the split more distressing than it already is.

The Role of a Divorce Lawyer

Divorce lawyers are legal professionals that specialize in issues concerning legal separation, such as divorce, annulment and dissolution. Most of them are family law experts that focus on different issues associated with family and marriage, such as adoptions and wills. Couples who are going through the legal separation process are advised to maintain a lawyer that is highly knowledgeable with this procedure to protect their legal rights and possibly arrive at an amicable settlement.

People who aspire to become divorce lawyers should go to law school and take subjects on family law during the course of their studies. Furthermore, they should meet the criteria to practice law by passing the bar examination. Usually, bar exams consist of a written test and character assessment to make sure that the candidates are morally suitable to practice law. Once they are eligible, lawyers can look for a job in a practice handling family law matters so they can earn the experience they need in this field of study.

The primary duty of a divorce lawyer is to process the divorce papers after being hired by any of the parties involved in the divorce. There are some cases when a couple agrees to get a divorce and, in this situation, they may approach a particular lawyer jointly to request for legal advice and assistance. However, in a contentious divorce, the lawyer is consulted by only one party. After the party requesting for the divorce writes and signs the petition, this can now be served to the other spouse.

One of the main aspects of this area of expertise is the arbitration of a settlement, if a couple makes a decision to dissolve their marriage. The settlement will include the settlement of alimony, the division of assets, the discussions on child custody and child support. Divorce lawyers may also implement a prenuptial agreement or can participate in other divorce stipulations. For example, if a couple stored fertilized embryos as a result of an infertility treatment, the divorce lawyer of each party should be involved in any decision concerning these embryos.

When it comes to a contentious divorce, divorce lawyers may represent their clients in court and especially in specialized family courts that handle family-related concerns, such as child custody and adoption. They can also deal with other issues, like prenuptial agreement and post-divorce inquiries. Several couples believe that a firm prenuptial agreement leads to an easier and less expensive divorce process. Any good divorce lawyer can prepare a prenuptial agreement to protect all the assets of his/her client before her marriage. Moreover, their lawyer may be summoned to respond to post-divorce inquiries. As an example, a client may ask how to amend a divorce decree, when will she be allowed to change her name and how to change the payments for alimony or child support.

Identifying What Kind of Lawyer to Hire for Your Case

Most people will require a lawyer at some point in their lives, even if they are never in trouble with the law. If you ever do need to hire an attorney, it’s important to know what kind you will need for your particular case. Lawyers usually have an expertise in an area of law that they have the most experience with. Two types of attorneys that people commonly need to have access fall under the embrella of “civil”- meaning they deal with situations such as divorce or custody agreements, and “criminal” – meaning they deal with crime. In civil cases you will typically deal with a litigation lawyer, who will assist you through all parts of the trial. A litigation lawyer is involved with the initial investigation, pre-trial, trial and any appeals that come after.

There are many areas of law that an attonrey may practice. One example of a lawyer you may need to hire is a car accident lawyer. A car accident attorney may also be referred to as an accident lawyer, and can be hired by victims of accidents who are seeking compensation. If you are ever involved in any sort of accident where you are injured in any way, it is important to contact a legal professional immediately so that they may help you get the compensation that you are owed. A car accident lawyer may also be referred to as a personal injury lawyer, as they deal with any kind of accident involving an injury – for example a construction site accident.

Another example of a kind of sttorney you may encounter is a family lawyer, who deals with everything from divorce, adoption, custody and visitation rights. Basically any court case related to family issues will be handled by this type of legal professional. Their job is to represent the best interest of their client, as well as the children if there are any involved in the case.

If you are ever charged with a crime, you will need a criminal lawyer to handle your case and help with the charges that are pending against you. While some people may choose to represent themselves in court, it is recommended to hire a criminal lawyer if you ever need to defend yourself against criminal charges. Criminal lawyers handle any crime ranging from simple to serious, including DUI and murder.

These are just a few examples of the kinds of lawyers you may come across. There are many others, including immigration lawyers, malpractice lawyers, tax lawyers and more. Most people deal with a litigation lawyer at least once in their life, as a litigation lawyer will handle a variety of different legal issues.

Why You Need Life Insurance Money

Life is full of uncertainties and we have no idea what it has in place for us. From married couples with kids to childless couples to singles, no one is immune from the unwanted events of life. For this reason, life insurance is crucial for any sound financial plan. Life insurance guarantees you and your loved one’s financial stability and therefore should not be overlooked by any chance. There are different types of life insurance policies in the market today. With the many available options, it is certainly confusing to pick the best insurance however. My advice for you would be, choose a cheap life insurance plan that best suits your future goals.

Below are 5 important reasons why you need life insurance irrespective of your age.

1. To help service your debts.

Life insurance can be used to pay off your credit card debts, mortgages, tuition fee among other debts. Let’s face it, we have no control over the uncertainties of life or the unforeseen occurrences. Take for instance that you’ve secured yourself a study loan or a business loan to help you grow your business and unfortunately you die before repaying the debt. This may create more burdens for you family and loved ones who are already mourning your death and worst still, struggling to raise your funeral expenses. To avoid this extra burden therefore, you should consider buying an insurance plan early in life.

2. You get to leave some inheritance for your kids and spouse.

Buying a life insurance plan from a reputable and reliable insurance company ensures that your kids get to benefit from inheriting your lifetime savings. It will help you leave a legacy for making extra wealth for your loved ones. This inheritance can help to pay off your kids’ higher education tuition fee or paying off other emergency demands that may crop up as your family gets its financial footing.

3. You benefit from “accelerated benefits”.

Most couples have got each for support in case of financial crisis. For a single person however, it’s more likely that you have no other source of funding except from your own personal resources. This can greatly inconvenience you in case of a sudden major illness. Thanks to most insurance policies sold today, they have provisions that speed up a huge percentage of the death benefit in case you are diagnosed of a terminal condition. These acquired benefits can be used to pay for the expensive medications.

4. Provides financial security for your loved ones.

As a loving, caring and responsible parent, you need to make sure that your kids are well taken care of when left behind. Additional coverage is therefore paramount while you have kids at home. Definitely no amount of cash could replace someone, but it would bring you peace of mind knowing that you have left you kids with some cash to boost them. It is the last thing which you should help your kids with while you still can.

5. Charitable giving

In case you are single and have no debt or family obligations, your permanent life insurance can be used to fund charitable organizations. Look at it as your final good deed before your send off. You could touch a soul or change someone’s life for good with a cheap insurance plan from a certified insurance company and they will live to remember you even after you are gone.

What’s The Difference With Antique Truck and Car Insurance?

It is difficult to define what antique means when dealing with insurance companies, and that is why it’s a little difficult purchasing antique truck and car insurance. You have to make sure you have the auto insurance to meet your needs, although there are many companies that offer this insurance, you will have to put a bit of work into finding antique truck and car insurance that is right for you

There are two types of insurance you can find with antique automobile insurance companies and also classic collector auto insurance. The difference in the two of these is that most antique truck and car insurance doesn’t allow the car or truck to be used for normal chores. Collector’s auto insurance does, but only if you have a regular second daily car to drive and you can’t use your collector car to go to or from work or to school.

In order to be eligible for special discounts on your antique truck and car insurance, your vehicle has to be defined as antique or vintage. It must be at least 30 years old. This makes life a bit easier for antique automobile insurance companies. As for other cars that arrived later and are loosely regarded as collectibles, then there is an auto insurance that can be obtained for these also.

There are a few ways to save if you’re looking for antique truck or car insurance. Don’t go for the full package of auto insurance if you’re not taking your car on the road or if you don’t use it at all and just have it for show. Although some antique automobile insurance is necessary you may not need all the auto insurance that you have.

To be sure of your needs talk to your automobile insurance company or check with several automobile insurance companies to make sure you are getting the best deal you possible can. You may end up with a discount depending on a few factors that could be the deal of a lifetime, so don’t be afraid to shop around and find out what’s out there for you that will meet your needs. Insurance companies can custom make a package for your antique truck and car insurance just for you.

There is antique truck and car insurance available, but only for antiques, and make sure that you know how you are going to use the vehicle.

Find a Cheap Lawyer?

What do Santa Claus, the Easter Bunny and cheap lawyers have in common? A dumb question to be sure, as there is no Santa Claus, Easter Bunny or cheap lawyers; however if you have a legal problem and you need to get it fixed, there are some alternatives to consider before you give a lawyer a retainer.

Paralegals

When talking to a paralegal they cannot give you specific legal advise, but they can talk to you in general terms, and you might be surprised at some of the solutions they might suggest that you as a lay person might not even be aware are available, like talking to the Small Business Administration if you have problems with your business. SBA offices will often times have retired lawyers that they can refer you to get free advise. SBA offices usually have libraries with lots of reference tools that you can use.

Legal Forms Online

One resource that you might consider is Nolo.com which provides many legal forms that you can fill out yourself; many times if the item under consideration is straightforward this can be a simple and easy solution. They also provide articles, many are very topical such as using bankruptcy to avoid or forestall foreclosure of your home. They also have forms for simple wills and simple incorporations.

Mediators

Many times both parties would if possible like to avoid going to court and a mediator might be a solution that works for your circumstances. Divorces in particular using this strategy might save you thousands of dollars, which in this taxing emotional period not introducing or enlarging existing money problems can make a bad situation, a little more bearable.

There is always going to be a need for lawyers and figuring out when is always going to be tricky. Many lawyers will answer some questions for you for free to see if you do need there services, others might charge a small consultation fee. If you do need a lawyer, looking for a cheap one might actually cost you more money in the long run!

This is not legal advice and should not be acted on as legal advice. This is general information for you to consider. If you have legal question get legal help from a licensed attorney or paralegal.

Four Reasons It's Cheaper to Hire a Real Estate Attorney

People who are embarking down the complicated road of property transactions often question whether they will need a real estate attorney to get them to closing. Individuals on the buyer side typically wonder whether they can simply rely on their realtor and avoid the additional cost of a legal expert. Although every state has different requirements, here are four universal reasons why having a lawyer to guide you to the end of your realty deal may ultimately be more cost effective.

1. You Are an Out of Town Buyer

Buying a house when you're from out of town and unfamiliar with the regulations and local customs in your new city can be overwhelming. Once you find your dream home, a real estate attorney can be essential in negotiating and executing the contract, assisting you in finding the best mortgage, and also helping you to close the mortgage. Errors that occur during the buying process always have the potential to result in the loss of your deposit and could even cause you to incur substantial legal fees if litigation were to result.

2. You Are in a Hurricane, Flood, or Tornado Zone

If you're located in a hurricane, flood, or tornado zone, you may need a lawyer to walk you through the terms of any required supplementary homeowners insurance. The amount of forms that need to be signed when you're purchasing a house can be daunting, and if you're not careful, you may overlook something important. For example, in some cases you could be required to buy supplemental homeowners insurance, such as flood insurance. Hiring someone with legal expertise can help you avoid confusion that could potentially derail your ability to qualify for a mortgage.

3. The Land Is Owned by the Bank

If you're trying to buy something that is bank-owned, you may be excited by the prospect of getting a great deal, but contract negotiations can be lengthy and complex. A lawyer can be essential during these negotiations and in making sure the home you're looking at is competitively priced. In addition, bank-owned houses are generally sold "as is" and can have defects that would be expensive to repair. Working with a legal advisor can help you investigate the bank's price as well as the potential costs involved with repairs.

4. The Property Has Exterior Improvements

If the house you're pursuing has had any improvements to the lot, such as a pool, fence, garage, or an outdoor shed, it may be necessary to have a real estate attorney review the deed and conduct a survey of the lot. A survey can make sure that all improvements were built properly and according to code as well as ensure that nothing is encroaching onto your neighbor's property. Without a survey, you may incur expenses after you move in and realize you are infringing on your neighbor, or you may need to rebuild something that is not up to code.

Considering all of the complexities involved with becoming a homebuyer, once you have begun the process, you will likely be relieved to have a real estate attorney on your side.

4 Things to Consider When Purchasing Auto Insurance

Are you looking to buy a new insurance for your car? If this is the case, then you might be overwhelmed with the wide variety of offers that are present on the market. So how do you proceed? In this article, we will be providing 4 tips to help you make the best decision when purchasing auto insurance.

Know your requirement

You need to know what you are looking for before starting your search for an auto insurance company. Not all companies are equal, and each one of them specializes in one area of insurance. For instance, some companies specialize in low-cost insurance while others might charge a premium but offer a better service. The key here is to determine which type of auto insurance you want, and then you can start your search.

Consider the reputation

It is also important that you consider the reputation of the insurance company. Some companies might offer some fantastic policies only for you to find out later on that they are not easy to deal with when it comes to claims. For this reason, you should ensure that you check the reputation of the company first.

A quick search online should provide you with feedback from other buyers, and there are plenty of forums online where you can interact with other insurance policy holders to find out whether the company you are interested in is a reliable one or not.

Accessibility

Some companies are only available through online channels while others have local offices. In the majority of cases, the ones that are available solely online are the cheapest, but it can be difficult to get in touch with a real person in the event of an emergency.

If you are more confident in dealing with a real person, it might be important that you consider an insurance company that may have local offices in your area. Also, make sure that there is a phone number listed on the website to ensure that you can quick access to the company.

Compare quotes

As mentioned above, not all insurance companies are equal, and it might be interesting to compare quotes. Nowadays everything can be done online or via email, and this can allow you to get numerous quotes quickly. Just make sure that you are comparing like with like as policies may differ between companies.

Once you are satisfied with a quote, you can still call your insurance agent to discuss further and attempt to get a lower rate for your auto insurance.

Do You Know What You Should Look For in an Insurance Agent?

So you find yourself in the market for an insurance agent. Congratulations! You are making a very wise choice. Insurance protects us from disasters that we would otherwise have a tremendously hard time recovering from, and your wise choice to seek out insurance will pay off with great peace of mind. In this particular post we would like to offer you some suggestions for what you should look. These ideas happen to be:

Most states regulate their insurance agents. They do this to make sure that you, the customer, will obtain the very best info on the insurance products you wish to purchase. You should ask to take a look at the agent’s insurance license. Make sure that it is current.

Find out the number of companies the agent represents. If the agent represents many companies then they can pick and choose the insurance policy that best suits your needs and budget.

How did you find out about this agent? Did you happen to learn about him from someone you respect and trust? A wonderful recommendation can go a long way.

Does the insurance agent belong to any trade organizations? This is often a sign of professionalism and their commitment to continuing education. Make sure that the insurance agent is on board with learning more about insurance products as they come on the market.

Ask about the insurance agent’s involvement in the local community. Do they happen to belong to any special organizations or involve themselves with any volunteer activities? This may often translate into a better understanding and commitment to the hopes of the customer.

So there you have it, some things to consider when shopping for an insurance agent. With a little homework on your part you will be well on your way to starting a relationship that will benefit you greatly in the years to come. Best of luck!

The Hidden Dangers of "Permissive Use" Restrictions in Your Auto Insurance Policy

One of the most frequent questions I get as an auto insurance agent is “who is insured to drive my car?”

Sometimes the answer to this question can be trickier than most people realize. If you never loan your car to others and you never will, none of the restrictions I discuss here will matter to you and you can stop reading now.

Short answer:

People that are listed on your policy enjoy the full benefits of your policy coverages with no restrictions. For those that borrow your car that aren’t listed, they are generally covered as long as you have given them permission to use your car; this is called “Permissive Use” and all policies have some form of, or interpretation of, permissive use. Excluded drivers are never covered nor are un-named drivers who “use the vehicle without a reasonable belief that the person is entitled to do so” (sometimes referred to as “theft”).

Depending on the company you are insured with, interpretations of permissive use can vary dramatically and some insurance carriers are very strict in their enforcement of the rules.

By reducing or restricting coverages through different applications of permissive use, carriers can reduce their risk (and claims costs) thereby reducing the cost of their policies to make them more affordable for their policy holders.

Three examples of the “Permissive use” restrictions carriers utilize include: “Drop-down limits”; “Double deductibles”; and “No physical damage coverage”.

Drop-down Limits:

Oftentimes there are dramatic reductions in coverage amounts on insurance policies even when a permissive user has an accident. One such reduction is called “drop-down limits”. “Drop-down limits” means that if a person has an accident while borrowing your car, the limits of liability are reduced to what the state’s minimums are. For example, the state of California requires minimum limits of only $15,000 per person for bodily injuries (BI)/$30,000 per occurrence maximum for bodily injuries (BI)/$5,000 for property damage (PD).

Example: Driver “A” has an insurance policy with full coverage with permissive use and his liability coverages are $100,000 per person (for BI)/$300,000 per occurrence (for BI maximum)/$50,000 per occurrence (for PD). His policy has a “drop-down limit” clause. Let’s say he loans his car to a friend (driver “B”) and that friend has a serious accident where the bodily injuries to other party amount to $65,000 and he totals the other car which has a value of $28,000. In this scenario, the “drop down limit” is in effect and the most Driver A’s policy will pay is $15,000 for the other persons injuries and $5,000 for their vehicle which clearly isn’t enough. In this case, Driver A is legally liable for the balance of the damages because he is the owner of the vehicle; $50,000 for injuries and $23,000 for the vehicle. If Driver B has coverage, their coverage would be secondary and their limits would then apply until they run out as well. Otherwise, Driver “A” will most likely be sued by the other party.

Double Deductibles:

One coverage that is available with your auto insurance is called collision insurance. Collision insurance protects your vehicle for damages that are a result of a collision with another object. I.e. another vehicle, a building, etc. Collision coverage has a deductible which is the “out of pocket” amount you have to pay first before the insurance carrier steps in to repair or replace your car. Typically deductibles can range from $100 to $2500 but most of the time they are either $500 or $1,000.

They way the “double deductible” restriction works is if an un-named driver has an accident while driving the car with your permission, the collision deductible is doubled. Hence your $500 deductible is now $1,000, or your $1,000 is now $2,000. Hopefully your friend that borrowed your car is willing to chip-in and pay the extra deductible amount.

Sometimes the “double deductible” restriction is based on the age of the driver who borrows your car. For example, the deductible for collision is only doubled if the driver is younger than 25 years old.

No Physical Damage Coverage:

This restriction works just like the “double deductible” described above. However, this restriction is much more punitive.

Simply stated, if an un-named driver borrows your car and has an accident the insurance company will pay the third-party damages (liability), but the damages to your vehicle will not be eligible for coverage.

All of these “permissive use” restrictions are described in detail in your policy initially and also in your renewals. These restrictions should also be disclosed by your agent when you buy your policy, which is why you want a professional insurance agent/broker who really understands these intricacies and can effectively explain these restrictions to you when you apply for coverage.

Permissive use restrictions are also very common and are employed by some large, reputable nationwide insurance companies so be sure to examine your policy carefully.

Auto insurance policies are not all standardized. They are different from carrier to carrier and there are a multitude of coverage benefits, restrictions and exclusions that are unique to each company. Make sure to consult with your agent to see how your particular policy works.

Food for thought – next time you are considering buying a policy “online” without a human helping you, or from an “800#” with an “order taker”, consider how details like these may not be adequately described or may somehow get lost in translation – it pays to have an agent who can really look out for you.