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How to Deal with Bad Creditors

The old story goes that some people just dont pay their bills. They try to get something for free, or they extend their finances too far, and they end up dragging businesses and other creditors down with them.

This view of credit is so strong that many people dont realize that often, its the creditor who is acting in bad faith, and it’s the creditor who needs to be brought in line.

There are plenty of reasons for why creditors act poorly. They may be under some financial strain themselves and so may fudge their numbers and place the blame on others to avoid repercussions to themselves. They may also simply do this out of practice without any particular strain. Others may just get tired haggling over a debt and try to force the hand of the debtor to pay what the creditor wants.

In the end, it doesnt matter what the creditors motivation is. What matters is that it can ruin the debtors credit, which can make their life incredibly hard.

It can make it impossible to get loans, raise mortgage payments, or find a place to rent. These are serious risks, and particularly awful when the person hasnt actually done anything wrong.

So, what should you do if you are confronted by bad faith creditors who are placing the blame on you? Try these tactics to get your credit returned to the level it should always have been at:

Keep track of everything

This is crucial. If your creditor is mistreating you and trying to ruin your credit or manipulate your debts, you need to keep as much evidence as possible. Keep track of all paperwork that comes your way and keep it organized. Keep track of every payment you make and whether it meets minimum payment expectations. Keep track of all your communications with the business.

That may also include recording calls with the business. Simply tell them upfront (as they tell you when you wait on hold) that youre recording the call for your own records.

Keep in contact with the creditor and demand explanations

If you see that there are some irregularities in your debt or you are noticing problems with your credit, always contact the creditor and demand an explanation. Do so in writing and by phone. Ask for written explanations of everything and again, record phone calls. This will help establish what has been happening.

Explain what you are doing to the creditor

Tell your creditor you are going to contact other professionals and experts to review how they have handled your credit and debts. This may be enough to resolve the problem on its own without requiring the last and most drastic step.

Contact a lawyer

If you are unable to resolve the dispute on your own, it is time to contact a lawyer who can help you. Go with a lawyer of good repute (in my area of Alabama, for instance, Greenway Law, LLC is spoken highly of on this account) that can guide you through the necessary steps and can take on the creditor to return your credit to the level it should be at.

My serious injury story

I’m bored, laid up in the hospital, and I’ve decided I want people to tell me some stories. To be thematic, I’m looking for people to tell me about their most serious injuries. Let me throw mine out there to start:

I was riding my bike down the street. This is a nice suburban street, mind you, with a 30 mph speed limit clearly posted. I was riding off to the side of the road because my town doesn’t have bike lanes. All of a sudden, some guy flying down the street in his SUV clipped me and drove off. I wish I’d gotten the license number, especially after the story I’m going to share after mine, but I was too shocked. I broke my arm and lost a pretty decent amount of blood on the side of the road before a good samaritan called 911.

I’ve been in the hospital the last couple of days healing up and making sure that knock of the head I got wasn’t too serious (thankfully, I was wearing my helmet). And getting bored, laying around, I asked the guy next to me about his story. What did he do to end up in a hospital bed?

What’s amazing is his story was actually really similar to mine. He was on a motorcycle, not a bike, and got edged off the road by a truck changing lanes. The truck kept going.

The guy’s injuries weren’t that serious, but the one area where he was much smarter than me was he was smart enough to get a license plate number.

I was pretty impressed by his state of mind at that moment, but he said he was prepared for such things.

Because you ride a motorcycle, I said.

No, because he’s had family that had serious injuries before, and they made a bundle off of it. The guy had an uncle who received some spinal cord damage due to an incident at some shop, a spill or something that led to a fall or something. He was a little vague on the details there, but he was crystal clear on the result. The poor uncle was impaired for life, but he was also suddenly a rich man.

It’s an interesting trade. Would you rather be impaired somehow for life and get rich off it or else keep your health completely and have to continue struggling?

There are lawyers for this type of stuff, and as far as I can tell, they tend to have more than a few multi-million dollar cases each, which means it’s not that rare this stuff happens.

So, now I want to know, what’s the worst injury you’ve ever had? Was there an upside? And would you take that deal (some impairment for a lifetime of riches) or not? How much would it take to make the deal worth it?

Get back to me soon so I can have some interesting reading while I recover. Then, I have to go bike shopping.

But more on that next time.

Deadliest Car Crashes: Rollovers

Rollover accidents are not exactly the first things that come into your mind when it comes to deadliest car crashes. You are probably thinking about speeding, drunk driving, and street racing as the main culprits, and that is totally justifiable. But you shouldn’t overlook rollovers, because they are just as deadly.

But what is a rollover anyway? A rollover accident happens when the vehicle turns on its side and “rollover,” hence the name. According to the website of Russo, Russo & Slania, P.C., those who have suffered injuries in rollover accidents caused by someone else may have legal options.

Common Causes

Momentum from turning – When a vehicle is traveling at a high enough speed and suddenly makes a turning maneuver, it may have enough momentum to counter the turn and end up rolling over.

Elevated crash – A vehicle crashing from an elevated space can rollover because of physical forces. Examples include a vehicle crashing from the highway onto an embankment and from the freeway onto an adjacent road below.

Broadside collision – A vehicle getting hit in the side with enough force by another vehicle may rollover. The best example is a broadside collision in an intersection, when one vehicle runs the red light and crashes into another that has the right of way on the adjacent road.

High center of gravity – Some vehicles are more prone to rollovers than others, such as those with high centers of gravity. These are the vehicles that are both long and thin, like trucks and vans.

Dangerous weather condition – External factors like weather can also cause a vehicle to rollover. The most dangerous culprits are ice, rainwater, and snow on the road, because they can make a vehicle lose control. If the vehicle’s poor control ends up in a turning or braking maneuver, with enough force, it can rollover.

Dangerous road condition – Another external factor is the road condition. Slippery roads and road defects like cracks and potholes can cause a vehicle to rollover, in the same manner as how weather conditions affect roads and chances of accidents.

Full Attention is of Utmost Importance When You’re Behind the Wheel

No matter what brand and model of car you drive, only one thing is necessary as soon as you sit behind the wheel – your undivided attention on the road. Direct that attention to something else and you may end up causing a tragic road accident.

Records from the National Highway Traffic Safety Administration (NHTSA) show that distracted driving is one of the top causes of car crashes in the U.S. With it are driving over the speed limit (and sometimes driving too slow along major roads), reckless driving and drunk-driving.

Alcohol impairs a driver; scientific studies have consistently declared and proven this. So too does distracted driving, though the impairment it causes is of a different kind. While alcohol makes a driver’s reflexes weaker, causing him/her to fail to steer hard enough to stay clear of danger, distracted driving can cause a driver to fail to react on time to avoid danger or to steer the wheel much more than necessary, directing his/her car where it should not be.

Driving always requires a driver’s undivided attention to enable him/her to safely control his/her vehicle, as well as veer it away from anything that may cause an accident. Anything that will take away your focus on the road is a distraction – a major contributory factor to car accidents.

Despite being aware that any form of distraction compromises everyone’s safety, many drivers confess to being distracted. Records from both the Insurance Institute for Highway Safety (IIHS) and the (NHTSA) show that individuals aged between 15 and 24 are the ones with the greatest tendency to get involved in accidents due to distracted driving.

The many faults seen in teen drivers are blamed on juvenile behavior and driver inexperience. Due to this 47 states have resorted to using the graduated driver licensing (GDL) system, a program intended to delay full licensure to beginners, while simultaneously letting them have their primary experience under less dangerous conditions.

The three major types of driving distractions identified by authorities include:

  • visual – involves taking one’s eyes off the road
  • manual – when one takes his/her hands off the wheel
  • cognitive – this happens when the driver’s mind wanders off

Specifically, these distractions include chatting with friends, cell phone use, texting, playing DJ, eating, playing your favorite tunes full blast, toying with the controls, putting on makeup or brushing your hair while driving, driving angry, reading maps or directions, using in-vehicle technologies or navigation systems, eating, drinking, smoking, lighting a cigarette, reaching for something from the back seat, playing with a child, getting distracted by a pet, and so forth. Many drivers do not even consider these as distractions any longer, especially those who have converted their car or vehicle into a personal room on wheels.

Whatever the type of distraction is, the fact remains that distracted driving is an act of negligence; an act the liable party will have to face and take responsibility for, especially if his or her act results to an accident and injures someone. As explained by West Palm Beach car accident lawyers at Schuler, Halvorson, Weisser, Zoeller & Overbeck, P.A., “a lapse in attention for just a few seconds is all it takes to lose control of a vehicle and subsequently cause an accident. Paying full attention to the road and your surroundings is of utmost importance when you’re behind the wheel.” Thus, those who get injured in an accident due to someone else’s negligence or carelessness, “should not hesitate to reach out to a personal injury attorney for legal help.”

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