Feinman Law OfficesBankruptcy & Personal Injury Attorney | Lowell, Lawrence & Haverhill2024-03-06T14:06:12Zhttps://www.feinmanlaw.com/feed/atom/WordPressOn Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=480422024-03-06T14:06:12Z2024-03-06T14:06:12ZDriving distractions are everywhere. Modern drivers often have infotainment systems in their cars that they use to control the climate, the music, the GPS and much more. Drivers also get distracted by their cell phones and other devices that they may try to use in the car. Technology has made life easier, but it also increases how frequently these distractions occur.
Using electronic devices while driving can be very distracting and leads to serious accidents. Some drivers understand this risk and try to get around it by only using their devices when they are stopped at red lights or even just waiting in traffic – such as when traffic backs up in a construction zone. But this isn’t actually as safe as people assume.
A 27-second delay in cognitive processing
The problem is that the distraction still lasts for an average of 27 seconds. There’s a significant delay between when the person puts down their device and when their brain re-focuses on the task of driving the car. Many drivers are still facing severe cognitive distractions, even if they’re not actively using the device at the time.In fact, studies have found that more than half of all accidents leading to injuries or fatalities take place at intersections. The reason for some of these crashes is that drivers believe they are no longer distracted when they actually are, and they cause accidents that would have otherwise been avoided.Have you suffered injuries in one of these car crashes, or have you lost a loved one? Make sure you know how to seek financial compensation.]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=480412024-02-19T13:57:44Z2024-02-19T13:57:44Zthe potential pitfalls that could jeopardize their marital bliss.
Any newly married couple can benefit from knowing the mistakes they should avoid to help ensure that their union lasts. And if it feels like the union is already on the brink of divorce, understanding why that may be can help put their situation into perspective.
Neglecting communication
Communication is the bedrock of any successful relationship, and marriage is no exception. Yet, many newlyweds fall into the trap of assuming that their partner can intuitively understand their thoughts and feelings. This misconception often leads to misunderstandings, resentment and marital discord.
Financial friction
Financial disagreements rank among the top reasons for marital conflict. Newlyweds, buoyed by the excitement of starting a life together, may overlook the importance of aligning their financial goals and values. This oversight can sow seeds of financial discord, leading to stress, mistrust and, ultimately, marital breakdown.
Unrealistic expectations
The honeymoon phase of marriage is often characterized by boundless optimism and idealized perceptions of one’s partner. However, when reality sets in and imperfections emerge, some newlyweds may struggle to reconcile their expectations with the complexities of real-life relationships. This disparity can breed disappointment, resentment and disillusionment.
Neglecting self-care
In the whirlwind of marital commitments and responsibilities, it’s easy for newlyweds to sideline their own needs and aspirations. However, neglecting self-care can have far-reaching consequences, not only for personal well-being but also for the health of the marriage itself.
Marriage can be a journey filled with twists, turns and unexpected challenges. By understanding the common mistakes that can lead to divorce, newlyweds can embark on this journey with a clearer understanding of how to succeed where others have stumbled.]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=480392024-02-07T01:52:45Z2024-02-09T01:51:36ZUnderstand your credit report
U.S. Courts reports that 2023 saw 416,607 individual bankruptcy filings. Recovering from the legal bankruptcy process starts by obtaining copies of your credit reports from major credit bureaus. Analyze them carefully to identify any discrepancies or errors. Correct any inaccuracies you find. This process can positively impact your credit score.
Create a budget
Whether you file Chapter 7 or Chapter 13 bankruptcy, establish a realistic budget after you complete the process. Prioritize and track your income and expenses. This disciplined approach will help you avoid falling back into financial pitfalls.
Establish an emergency fund
Build an emergency fund so you have a financial safety net. Save at least three to six months' worth of living expenses. This fund can prevent you from relying on credit when you have unexpected expenses.
Explore secured credit cards
Secured credit cards can help you rebuild credit. By providing a security deposit, you demonstrate responsible financial behavior. Make timely payments and keep your credit utilization low to boost your credit score.
Consider credit-builder loans
Some financial institutions offer credit-builder loans specifically designed for individuals rebuilding credit. These loans involve borrowing a small amount, which the bank holds in an account while you make regular payments. Completing the loan can enhance your creditworthiness.
Demonstrate responsible credit use
Consistently make on-time payments and maintain a low credit utilization ratio to rebuild your credit. Focus on responsible credit management to showcase your commitment to financial stability.
As you rebuild your credit, regularly check your credit reports to track your progress. Address any issues promptly and celebrate improvements in your credit score.]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=480382024-02-06T18:06:47Z2024-02-06T18:06:47Zthese elements collectively forms the basis upon which the legal system assesses responsibility and awards compensation for injuries.
Duty of care
The concept of duty of care refers to the responsibility one individual has to avoid causing harm to another. This duty arises when a relationship between the parties has been established, which inherently includes an obligation to act to prevent harm. For instance, drivers on the road owe a duty of care to other road users.
Breach of duty
Once a duty of care has been established, the next step is to demonstrate that the defendant breached that duty through action or inaction. A breach occurs when the defendant's conduct falls below the standard of care expected in the circumstances, leading to an unsafe situation.
Causation
For a personal injury claim to proceed, it must be shown that the breach of duty directly caused the plaintiff's injuries. This element, known as causation, requires a clear linkage between the defendant's actions and the harm suffered. The legal test often applied is whether the injuries would have occurred "but for" the defendant's breach of duty.
Damages
The final element necessary to complete a personal injury claim is damages. This term encompasses the plaintiff's losses due to the injury. Damages can be economic, such as medical bills and lost wages, or non-economic, including pain and suffering or loss of enjoyment of life.
A personal injury claim is a complex undertaking. Victims who choose to pursue compensation can seek legal assistance to reduce the stress involved in this process and get their case moving forward as effectively as possible.]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=480372024-01-27T04:05:27Z2024-01-27T04:05:27Zall that bankruptcy has to offer hesitate to seek relief because they have misconceptions about what making this effort may say about them and/or how others will perceive their decision to move forward.
Filing can help to right a situation
Bankruptcy is a legal right. The laws surrounding bankruptcy were created to provide a safety net for those overwhelmed by debt. It’s a structured, dignified way to address financial struggles, not a moral judgment on one’s character or capabilities. The process is in place to help, not to punish.
Additionally, the reasons leading to bankruptcy are often beyond a filer’s personal control. Unforeseen circumstances such as medical emergencies, job loss or economic downturns can inspire financial challenges for even the most responsible and financially savvy individuals. These situations do not reflect personal inadequacies; rather, they are part of the unpredictability of life. Bankruptcy offers a structured path to navigate these unforeseen challenges.
It can help to keep in mind that some of the most successful business leaders and companies have used bankruptcy as a strategic tool to reorganize and come back stronger. This universality underscores that financial distress is a common experience, not an isolated failure.
Finally, filing for bankruptcy can be a responsible decision. It demonstrates a proactive step towards resolving unmanageable debt rather than allowing it to spiral further. This decision often requires courage and a level of financial insight, acknowledging the need for change and seeking a viable solution.
Far from being a source of shame, filing for bankruptcy is an effort that, for many, is a manifestation of strength and a desire to build a solid, stable future.]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=480362024-01-09T23:53:38Z2024-01-09T23:52:26ZIf you’ve been reading up on bankruptcy as you consider whether this is the best choice for you, you’ve likely come across a lot of new and confusing terms. They may even sound like they mean the same thing when they don’t.
Two words used frequently when discussing bankruptcy that people often incorrectly interchange are “discharge” and “dismissal.” Let’s look at how these two very different things play a role in the bankruptcy process.
What does it mean for debt to be discharged?
Debts that are discharged in bankruptcy are those no longer owed. Another word for them is “forgiven.” People who file for Chapter 7 bankruptcy generally get a large number of their debts discharged early. Those who file Chapter 13 typically are seeking to reorganize their debts into a manageable payoff plan rather than discharge them. However, a judge can discharge many types of debts that remain after a repayment plan is completed.
What is a dismissal?
This is not something you want if you file for bankruptcy. If your case is dismissed, you can’t proceed and you still have to pay your debts. A bankruptcy court will dismiss a case if the debtor has failed to comply with the requirements of the law. A bankruptcy case can be dismissed early in the process if a debtor doesn’t provide complete or accurate documents like financial statements.Sometimes, it occurs later in the process – for example, if a debtor fails to complete a mandatory financial management class, doesn’t attend a required meeting or otherwise neglects to fulfill a requirement. “Unforced errors” that result in a bankruptcy dismissal can be easily avoided. It simply takes having experienced legal guidance from the beginning.]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=480332023-12-28T02:09:24Z2023-12-28T02:09:24ZYoung drivers are often maligned for their distracted driving. Often, they get distracted by the phone. They could send or read text messages, listen to music, take pictures, use social media or use a GPS app – all while driving.
This is indeed dangerous and common, but it’s not just teens who get distracted. Many adults also get distracted, and some studies have found that parents are some of the most distracted drivers on the road.
The challenge of driving with children
The issue is that it’s hard to drive with children in the car. When children are newborns or young toddlers, they may cry or fuss. A parent can try to ignore it, but they are still hardwired to respond to their child, and they can’t just turn that off in the car. When children get older, they often need help. A parent who is trying to drive the car safely might find themselves handing out snacks and drinks, answering numerous questions or feeling around on the floor for toys and other items that children have dropped. Additionally, children often get bored. They may want to listen to music, tell jokes, talk to each other or, inevitably, argue and fight with siblings. Even when parents are not directly involved, it can be very distracting to have all of this happening in the car.
After an accident
Parents may find it impossible to avoid these distractions, so they are going to continue causing serious car accidents. Those who have gotten injured need to know how to seek compensation for medical bills, lost wages, pain and suffering and the like. ]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=479522023-12-14T15:31:29Z2023-12-14T15:31:29ZBankruptcy is often associated with reckless spending. While this can certainly be a contributing factor, the reality is that it plays no part in most bankruptcy cases.
Millions of Americans are currently struggling just to pay their bills, and this is through no fault of their own. It’s important to engage in an impartial assessment when considering bankruptcy. Outlined below are two of the most common causes:
1. Job loss
The job market can be highly competitive. On top of that, companies are constantly looking for ways to cut costs. Unfortunately, laying off staff is often the first method of doing this. This leaves hard-working people out of a job and struggling for income. Over a sustained period, people may have no choice but to take out loans for survival. Anyone can find themselves in these circumstances and bankruptcy may be the only way of addressing the debts.
2. Health issues
Healthcare doesn’t come cheaply in the U.S. Insurance policies often depend on people being in gainful employment. With unemployment figures being in the millions in the U.S., this leaves a significant number of people unable to pay for even basic medical care. In an emergency, this can leave people with the choice of being saddled with debt or not having the medical treatment they need to stay healthy. It’s difficult to blame people for choosing the former in such circumstances. There is no shame in bankruptcy. It is a viable option for those who are in financial trouble. That being said, it’s a big decision that requires careful consideration. Seek legal guidance to find out more about the help available to you. ]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=479482023-12-13T01:48:04Z2023-12-13T01:48:04ZDriver behavior and speeding
A key factor behind the spike in fatal car crashes is driver behavior, with speeding emerging as a prominent contributor. The increase in speeding-related fatalities underscores the importance of addressing aggressive driving habits and enforcing speed limits. The risks associated with excessive speed endanger the lives of the offending drivers. However, they also pose a serious threat to other road users.
Distracted driving
Distracted driving continues to contribute to the rise in fatal car crashes. The prevalence of smartphones and other devices in cars heightens distracted driving risks. Whether texting, talking on the phone or engaging with in-car entertainment systems, distracted drivers pose a serious danger to themselves and others.
Impaired driving
Impaired driving remains a stubborn challenge to road safety. Fatalities resulting from impaired driving incidents contribute to the overall increase in fatal car crashes. Addressing this issue requires a multifaceted approach. Enhanced enforcement of DUI laws is an important step. An increase in public awareness campaigns and efforts to promote alternative transportation options for those under the influence may help, too.
According to MassLive, fatal crashes hit an 11-year high in the state in 2021. The number of fatal crashes in the state also continued to climb in 2022. The significant rise in fatal car crashes across Massachusetts demands immediate attention. It also warrants concerted efforts to address contributing factors.]]>On Behalf of Feinman Law Officeshttps://www.feinmanlaw.com/?p=479472023-11-29T23:40:13Z2023-11-29T23:40:13ZRealizing that you have more bills than money every month is disheartening. It’s the factor that may make you recognize that you need to do something to reclaim control of your finances.
Filing bankruptcy is one option that may help you to enjoy a fresh start. Once you know that you’re going to file, you have to determine what type. The two most common forms of consumer bankruptcy are Chapter 7 and Chapter 13. While they both help you to erase debts, there are some differences between the two.
How creditors are paid
In a Chapter 7 bankruptcy, the court takes control of your non-exempt assets. Those are liquidated to pay creditors. Once the funds from the liquidation are exhausted, the remaining balance on accounts included in the bankruptcy are discharged. In a Chapter 13 bankruptcy, you will make payments to pay off the debts. This is based on how much money you have remaining in your paychecks after you pay off what the trustee deems essential bills. You’ll make these payments for a predetermined period. Balances remaining after you make those payments are all discharged.
Length of bankruptcy
A Chapter 7 bankruptcy is the faster option. This type of bankruptcy typically takes three to five months to complete; however, it stays on your credit report for 10 years. A Chapter 13 bankruptcy takes three to five years to finish, but it remains on your credit report for seven years. The decision to file for bankruptcy is one that must be taken seriously. Ensuring you file for the type that’s the best for your needs is critical. It may be beneficial to have someone on your side who can help you through the process. ]]>