Category: Legal

Chapter 13 lawsuits from Dove law firm Houston, Texas: A settlement is a voluntary agreement reached by the parties in the lawsuit. A settlement resolving a debt lawsuit usually addresses how much the Defendant has agreed to pay and what actions the Plaintiff will (or won’t) take as long as the payment(s) are timely made. For a long-term payment plan, the Plaintiff may require the Defendant to sign an ‘Agreed Judgment.’ An Agreed Judgment is basically the Defendant admitting that the money is owed and the Plaintiff promising not to collect on the judgment as long as the Defendant makes the agreed upon payments. Settlements can vary from very simple to very complicated. Legal counsel should be sought before signing a settlement agreement.

I hope that you find this website to be helpful and informative. Information on a website, however, is not a substitute for the knowledge and advice of an experienced bankruptcy attorney. Once you have had a chance to look over our website, please fill out the contact form or give us a call to talk more about the specifics of your situation. I will get back to you the same business day, if possible. Take your first step towards a fresh financial start! I believe that customer help should be the number one priority in any business, but it is especially important in the bankruptcy and debt settlement field. When people are struggling financially they may be stressed, nervous and scared about their situation. The prompt returning of telephone calls and e-mails is important so as to help alleviate anxiety. You can also take comfort in knowing that you will be speaking with an attorney every time you call or come in for an appointment. Dove Law Firm, PLLC is a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code as well as resolve other debt issues.

Child and Dependent Care Tax Credit: A tax credit is so much better than a tax deduction—it reduces your tax bill dollar for dollar. So missing one is even more painful than missing a deduction that simply reduces the amount of income that’s subject to tax. But it’s easy to overlook the child and dependent care credit if you pay your child care bills through a reimbursement account at work. The law allows you to run up to $5,000 of such expenses through a tax-favored reimbursement account at work. Up to $6,000 in care expenses can qualify for the credit, but the $5,000 from a tax favored account can’t be used. So if you run the maximum $5,000 through a plan at work but spend more for work-related child care, you can claim the credit on up to an extra $1,000. That would cut your tax bill by at least $200 using the minimum 20 percent of the expenses. The credit percentage goes up for lower income households.

Chapter 7 bankruptcy, also known as a straight or liquidation bankruptcy, is a type of bankruptcy that can clear away many types of unsecured debts. If you’re far behind on your bills and don’t have the means to afford monthly payments and living expenses, filing Chapter 7 bankruptcy could be a last resort to help you reset your finances. However, you may have to give up some of your possessions, and it will have a long-lasting negative impact on your creditworthiness.

Use Your Flexible Spending Account Balance: Workers who have flexible spending accounts need to use up their balances soon. These accounts have “use it or lose it” provisions in which money reverts back to an employer if not spent. While some companies provide a grace period for purchases made in the new year, others end reimbursements at the close of the calendar year. Discover more information on website .

To be eligible to file for Chapter 13 bankruptcy, an individual must have no more than $394,725 in unsecured debt, such as credit card bills or personal loans. They also can have no more than $1,184,200 in secured debts, which includes mortgages and car loans. These figures adjust periodically to reflect changes in the consumer price index. One of Chapter 13 allows you to stop an effort to foreclose on your home. Filing a Chapter 13 petition suspends any current foreclosure proceedings and payment of any other debts owed. This buys time while the court considers the plan, but it does not eliminate the debt. Hopefully, the bankruptcy plan will free enough of your income that you’ll be able to make regular mortgage payments and keep your house.

Business law in Texas? Most personal injury attorneys offer a free consultation and case evaluation to help you explore your options for filing a claim. This frees up your time to focus on recovering from your injuries and getting your life back on track. Best of all, you won’t have to pay any legal fees until they recover compensation for your damages. If you were injured in a car accident, motorcycle accident, slip and fall, or any other accident that wasn’t your fault, you deserve compensation.

Keep your attorney informed of anything that might affect your case. Certainly nothing should be signed without first consulting the attorney. Applications for insurance benefits, reports to the State, any change in doctors, returning to work, any change in treatment, etc., should be reported promptly. Disability or unemployment applications should first be checked by the attorney. Keep your attorney advised of any vacation times when you may not be available. An emergency telephone number and an alternative way of reaching you must be in your attorney’s file at all times.

Estorga Johnson Law Firm, PLLC is a general litigation practice. We work diligently with our clients to educate them on the entire process, from initial filings to potential outcomes. The goal is to make sure all questions are answered to ensure clients are fully prepared to meet any challenges that may arise. Having access to experienced and dedicated representation in a legal proceeding can make the difference between a positive or negative outcome that could greatly impact your life. Read additional details at business law.

Getting married is an exciting venture in life, but being prepared for unforeseen circumstances is just as important. I work with clients to counsel and draft paperwork to protect their best interests for favorable outcomes in the event of a divorce or annulment process. It is presumed by Texas Law that the follow percentages are both reasonable and in the best interest of the child(ren) for purposes of determining child support. While Texas child support guidelines are presumptively what should be paid, the Courts may adjust these percentages if the Court determines that the use of these guidelines would be unjust or inappropriate.

Cases involving child protective services are serious and should not be taken lightly. Allegations of abuse and neglect can stem from a number of sources which include disgruntled ex-spouses, relatives, professionals or anonymous individuals. I work diligently on behalf of clients to fight false allegations, providing steps to prepare an adequate defense.

In putting together your settlement demand letter, you figured out a range of what you believe your claim is worth. Before you speak to an adjuster about your demand, decide on a minimum settlement figure within that range that you would accept. This figure is for your own information, not something you would reveal to the adjuster. But once the figures and discussions start going back and forth, it helps if you already have your bottom line in mind. That way, you don’t have to make a snap decision if an adjuster makes you a take-it-or-leave-it offer on the phone. You will know whether it meets your minimum level or not. However, you do not have to cling to the figure you originally set for yourself. If an adjuster points out some facts you had not considered but which clearly make your claim weaker, you may have to lower your minimum figure somewhat. And if the adjuster starts with a low settlement offer or a number at or near your minimum — or if you discover evidence that makes your claim stronger — you may want to revise your minimum upward. Read additional details on here.

“Build trust with your clients and colleagues. As the chief legal officer for my company, I hire lawyers who I trust—I trust them to do the job with excellence and integrity. While representing major investment banks and broker-dealers, the first question I always asked my client when I learned of a potential wrongdoing was, “How do you want this to read on the first page of the Wall Street Journal?’ Your client needs to fall on the sword and reach out to the appropriate regulatory body or SRO as early in the process as possible.”

Serafino Di Loreto : Banche, Stato e Fisco: possibile un dialogo equo con gli italiani? – Ha persino fatto fondere e donato la ‘Campana della Nuova Vita’ alla parrocchia di Castenedolo, nel bresciano, in cui visse la propria infanzia, in memoria delle troppe vittime, negli ultimi anni, di banche e fisco ingiusti. Gente che è giunta oltre il limite estremo della disperazione per colpa delle numerose ingiustizie subite da parte di enti creditizi ed erariali. Il 2018 appena conclusosi è stato un buon anno per Serafino Di Loreto, il professionista lungimirante e competente che in anni recenti ha fondato la società ‘Sdl Centrostudi spa’, con sede a Mazzano, in provincia di Brescia. La rinomata struttura professionale si occupa principalmente di analisi contabili per il recupero del credito di anatocismo e usura sui conti correnti e rapporti bancari in genere.

Il 2018 appena conclusosi è stato un buon anno per Serafino Di Loreto, il professionista lungimirante e competente che in anni recenti ha fondato la società ‘Sdl Centrostudi spa’, con sede a Mazzano, in provincia di Brescia. La rinomata Società si occupa principalmente di analisi contabili per il recupero del credito di anatocismo e usura sui conti correnti e rapporti bancari in genere. E negli anni scorsi, anche per la crisi economica, è stata protagonista una rapidissima crescita in tutta Italia che l’ha portata alla ribalta nel mondo dell’imprenditoria locale e nazionale.

Mentre a Bergamo Serafino Di Loreto ha rilevato altresì un’azienda, proveniente da tre fallimenti, che fino a novembre 2017 perdeva circa 400mila euro al mese. Oggi, dopo soli 12 mesi, l’azienda ribattezzata ‘DL Sintered SRL’ ha fatturato ben oltre 8 milioni di euro, debiti zero, e continua a garantire lavoro e futuro a 35 dipendenti “ritirati dal fallimento” che altrimenti sarebbero rimasti a casa: qui grazie a un innovativo processo di stampaggio di polveri vengono creati ex novo componenti meccanici poi esportati in tutto il mondo.

L’azienda dal 2010, anno della fondazione a oggi, in soli otto anni ha assistito e aiutato, su fronti differenti e molteplici, oltre 150 mila italiani – privati e imprese – a uscire dalla crisi: restituendo, annullando e/o compensando circa 250 milioni di euro (riferiti a cartelle esattoriali, aste e pignoramenti bloccati o cancellati, interessi bancari illeciti su vari fronti) ingiustamente sottratti da banche e fisco ai loro legittimi proprietari.

“Oltre a essere stati i primi in Italia ad aver affrontato su vasta scala la questione dell’anatocismo/usura, e di tutti gli aspetti collegati, siamo anche stati i primi ad esserci dotati di polizze stipulate con importanti operatori del settore, che garantiscono la copertura delle spese legali, in caso di soccombenza“, prosegue ancora Di Loreto, imprenditore poliedrico e di successo attivo anche in altri molteplici settori. A Mantova, con la società ‘Ecoval’ il fondatore di ‘SDL Centrostudi Spa’ ha sviluppato un progetto con il patrocinio del Comune stesso e la cooperativa ‘Il Solco’ che ha consentito di avviare il risanamento dell’area cittadina dell’ex petrolchimico ‘IES’, salvando ben 20 posti di lavoro, e attivando una produzione in stile green, grazie alla coltivazione di una speciale radice che nel sottosuolo bonifica il terreno, mentre in superficie si sviluppa rapidamente come un alto canneto atto alla produzione di combustibile tipo pellet. In pratica, ha acquisito e riconvertito una delle più storicamente importanti realtà industriali cittadine, trasformandola da inquinante a struttura che crea disinquinanti.

Quante persone sono occupate da voi? Oggi abbiamo 33 dipendenti. Come uomo e imprenditore, sono fermamente a favore da sempre del principio della redistribuzione sociale della ricchezza: motivo per cui, ogni anno, alle nostre risorse – leggasi rete commerciale – umane destiniamo il 40% del nostro fatturato. Volumi importanti, dunque. Proprio come i soldi con cui abbiamo puntualmente sempre onorato gli impegni fiscali. Dal 2010 a oggi, ‘Sdl Centrostudi spa’ ha versato oltre 30 milioni di iva, ben 20 di imposta sul reddito, e distribuito 50 milioni di euro in provvigioni! Dagli albori abbiamo dato lavoro a 120 dipendenti diretti sino al 2016, a più di 400 avvocati sparsi in tutta Italia e ad oltre 40 periti e consulenti. Dal 2010 a oggi, il fatturato prodotto dalla società è di oltre 160 milioni di euro.

Avvocato Di Loreto, come si gestisce una struttura con centinaia di collaboratori sparsi per l’Italia? Noi abbiamo scelto un’organizzazione molto simile a quella militare, o ecclesiastica. Ovviamente per fini commerciali ed economici: il nostro è un network commerciale. In che cosa consiste, nello specifico, la vostra mission? Un’azienda ci contatta perché pensa di non essere trattata correttamente dal proprio istituto di credito. Un nostro incaricato, sulla base di una serie di dati, forniti dall’azienda stessa, svolge una pre-analisi gratuita. Se la pre-analisi dà esito positivo, allora offriamo una perizia a pagamento, debitamente stimata e approntata, che il potenziale cliente può, tranquillamente, accogliere oppure rifiutare senza alcun impegno.

Per parte di chi, allora? Del sistema creditizio italiano. In che modo viene elaborata una perizia? Abbiamo realizzato software gestionali (per conti correnti, mutui, leasing, derivati, cartelle esattoriali, ecc…) che, dopo aver inserito i parametri aziendali, è in grado di realizzare un calcolo matematico algoritmico integrato e complesso. Un progetto nostro, molto utile. Una perizia serve per dare all’impresa la prova che le banche non si stanno comportando correttamente con lo scopo di trattare nuove condizioni, oppure di chiedere i doverosi rimborsi. Qualora le banche dinieghino, che cosa accade? Le imprese e i privati hanno due opzioni: o accettano di mediare e restituire il maltolto oppure si va in tribunale a far valere le proprie posizioni.

Un esempio di riconversione perfetta, nulla da aggiungere. Complimenti. Mentre a Bergamo ho rilevato un’azienda, proveniente da tre fallimenti, che fino a novembre 2017 perdeva circa 400mila euro al mese. Oggi, dopo soli 12 mesi, l’azienda ribattezzata ‘DL Sintered SRL’ ha fatturato ben oltre 8 milioni di euro, debiti zero, e continua a garantire lavoro e futuro a 35 dipendenti “ritirati dal fallimento” che altrimenti sarebbero rimasti a casa: qui grazie a un innovativo processo di stampaggio di polveri creiamo componenti meccanici. Ed esportiamo in tutto il mondo, certi di una crescita costante su basi solide e promettenti per il futuro nostro e di chi crede in noi. Trova extra informazioni su Serafino Di Loreto.

Scusi ma da cosa dipende? Dipende dalle solite interpretazioni dei giudici, ovvio, ma c’è dell’altro… Ci dica pure… La legge italiana spiega chiaramente che, nel conteggio del tasso d’interesse, devono essere comprese anche le spese di tenuta conto e le commissioni di massimo scoperto. Chi è stato il relatore di queste legge? Luciano Violante, nel 1996. Invece che cosa sostiene la controparte? Afferma che quelli sono costi che non vanno conteggiati all’interno del tasso d’interesse applicato ai clienti, sposando la tesi di parte della Banca d’Italia. Ora, ovviamente, ci sono alcuni giudici che tengono buona questa tesi e altri, invece, che non la pensano così.

Road transport lawyer and clandestine entrants fine? At Smith Bowyer Clarke, our record of recovering seized trucks and loads is extremely high. Click here to see some recent examples. We can even arrange for collection, transhipment and onward transportation. Vehicles Seized for Operating Without an O Licence: The police and the DVSA have the power to seize your vehicle if they think you are operating without a licence. Only the legal owner of the vehicle can apply to to the authorities for the return of the truck. The owner of the seized vehicle will usually be expected to appear before the Traffic Commissioner at a hearing to explain, with evidence, why the vehicle should be returned to them. The law provides only four grounds for the return of the truck, three of which are highly technical. Often the result turns on the outcome of detailed legal argument.

Interviews under caution are one of the primary tools used by the Police and DVSA (formerly VOSA) to gather evidence against you or your business, either for the purpose of a possible Public Inquiry or criminal investigation. Importantly, just like police officers DVSA examiners have the power to conduct formal interviews under caution. Your response to requests for interview and your conduct in interview forms one of the essential tools in preparing your answer to any allegations of misconduct or infraction. Smith Bowyer Clarke have solid expertise in representing clients both in the Police Station and in DVSA interviews under caution. We have often found that the correct approach in interview is the decisive key to a positive conclusion in front of the Traffic Commissioner or in the Criminal Courts.

Welcome to Smith Bowyer Clarke. We provide, simple, straightforward, and practical legal solutions to all your transport problems. For a no-obligation, free initial consultation or rapid answer to a simple query just get in touch. We know how busy you are, and can attend at your operating centre, home or place of business at a time to suit you – we provide a truly national service. See extra details at clandestine entrants fine.

The DVSA don’t waste much of their time visiting compliant operators so it is almost certainly to do with something that you, or your employees/agents, have done or have failed to do. The triggers are legion, but common ones are where your vehicles are stopped and mechanical defects are found; or the vehicle is overloaded; or there are drivers’ hours infringements discovered…. and so on. Alternatively it could be that the visit has been requested by the Traffic Commissioner as a result of a requested variation you have submitted. It might even be that your MOT failure rate is higher than the national average, which always sets alarm bells ringing.

Why Smith Bowyer Clarke? Tachograph offences are a highly technical area of law. They are treated very seriously by both the criminal courts and the Office of the Traffic Commissioner. Smith Bowyer Clarke is a specialist transport law firm. All our solicitors and barristers are experts in all aspects of tachograph prosecutions and infringements. We have access to some of the best tachograph experts in the country to assist your case. We can also arrange for an independent audit of your tachograph analysis systems and advise on what you should be doing to stay lawful. We offer fixed fees and free initial consultations. Call or email us today for more information. Discover even more details at Transport Solicitors.