Legal action loans are cash advances depending on the possible outcome of legal settlements. Investors are increasingly on the hunt for lucrative bets. This interest has caused lawsuit lending to skyrocket in recent years. Lawsuit loans are unregulated in most states and the practice is being called “legal loan-sharking” by consumer advocates. It would be more beneficial for people just to take out a cash advance. Article source – Lawsuit lenders prey on desperate personal injury plaintiffs by MoneyBlogNewz.
There weren’t loans made, legal action loan companies claim
In order to assume that litigants will win their cases, over $100 million a year is spent by legal action lenders. Those within the practice say that they are not loan companies which mean lending laws don’t typically apply to lawsuit loans. The transactions are really just investments if you ask any legal action lender. This is because if the case is lost then the client doesn’t have to pay the cash back. Because they’re not subject to limits on interest rates, lawsuit lenders charge APRs as high as 215 percent, claiming that lawsuit loans are riskier than other forms of lending.
Court action loans charged as fast money and easy money
Many argue with the claim that lawsuit loans are very risky. There are facts to argue it. Late night television will generally have ads for legal action loan providers present. Typically they say that quick money and easy money will come to them. They hand pick all of the cases that they want. Generally this is just personal injury cases and more. The New York Times spoke with a personal injury lawyer who explained that he was not allowed to talk about the cost of the loan, going as high as 99 percent of the lawsuit loan amount, when trying to screen applicants.
Many states needed to keep up with the lawsuit lenders right now
Lawsuit loan companies have escaped regulation by successfully lobbying state legislatures to exclude legal action loans from laws that regulate the credit and lending industries. On January 7 within the Illinois General Assembly, a law that didn’t include legal action lenders was blocked. The two largest lawsuit loan providers within the nation, Oasis and LawCash, were sued by Colorado in Dec.. Colorado attorney general John W. Suthers said that since borrowers are charged interest once they receive a settlement, lawsuit loans are indeed loans, and Oasis and LawCash are violating CO lending laws.
Information from
New York Times
nytimes.com/2011/01/17/business/17lawsuit.html?emc=eta1
PointOfLaw.com
pointoflaw.com/archives/2011/01/illinois-legisl-1.php
Law Week Online
lawweekonline.com/2011/01/colorado-ag-questions-legitimacy-of-pre-settlement-legal-financing-companies/
Month: March 2019
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Defending Drug Crime Charges with Legal Help
Why is it always a better option to get legal help from the initial stages? Why does it become even more important if you were facing criminal charges? The reason is simple – you need to get a criminal lawyer from the initial stages of the case to ensure adequate legal representation and proper defense.
Drug related crimes are among the worst of the lot. Why is this so? The degree of the penalties you may suffer on conviction is what makes this serious. Which activities classify in this category? What possible consequences may you face? Which defenses may work in your case? Your lawyer is best suited to provide these answers.
Mere possession of drugs may not lead to much trouble, and you may get away with a simple -possession’ charge and admission into a corrective program. However, if the quantity of drugs you possess is very high, you may face possession with intent to distribute charges, which may result in penalties that are more serious.
Manufacturing or producing drugs is also a criminal charge. If the law enforcement search results in findings of marijuana plants, cannabis seeds, equipments and tools, and such items on your person or property, you may face such charges. Even possession of drug paraphernalia is a criminal offense.
The most serious in the category of drug crimes is perhaps drug dealing or trafficking. If you trade in drugs, you may face these charges and need a criminal lawyer for defense. The charge you face depends on certain factors – the type and amount of drug, the geographic area of trade, the involvement of minors, and injury or death as an effect.
Possible penalties on conviction may range from admission to a rehabilitative program to life imprisonment and even the death penalty. A hefty fine to compensate for the losses of victims is also another possible penalty. Other possibilities include probation and parole, restitution, and so on.
Criminal laws are very strict about punishing such offenders. However, as per the American legal system, you are innocent until proven guilty. What you need to do is get a good criminal lawyer to work on the case on an immediate basis. Whether it is a manufacturing charge or a trafficking one, the right defense may let you go free.
Working out plea-bargain, using an alibi, opting for an affirmative defense – the options are various. If you have a competent lawyer, he/she may help you utilize the right strategy to avoid conviction.
Dave Watson, a legal consultant, offers practical tips for people trying to find legal solutions regarding criminal laws. If you were looking for a Criminal Lawyer, he suggests you to visit http://www.miami-criminal-lawyer.net/ .
How to Get Legal Assistance from a Personal Injury Lawyer
There certainly are cases when someone gets injured as a result of somebody’s negligence of their surroundings. Motor accidents are a common example of such cases wherein the victims bear all the injuries – physical, mental, and proprietary due to sheer driving negligence of somebody. In this case the victims can get legal coverage against their loss from the wrongdoers through good personal injury lawyer. There are many variants of such cases that pertain to personal injuries as an account of a third party or person which include wrongful deaths, motorcycle and automobile related deaths, slip and fall injuries, injuries caused at work places, injury through defective product in standards, medication malpractice, and various other cases. A personal injury attorney always helps the victims in claiming legal coverage from the culprits who would lest get away with their crimes.
Before hiring any personal injury lawyer to represent your case in the court of law you must put in order witnesses and proofs to demonstrate the wrongdoings of the negligent people and accuse them of their charges. On finding them guilty the court may pass an order to cover up the damages done to you and your property by getting the wrongdoers pay for all the injuries and damages inflicted on you. This includes the personal physical injuries, loss of income in case of such severity in the injuries, property damage, and any and every loss that would change your lifestyle after that incident in which the guilty inflicted damages to innocent civilians. The guilty party is also entitled to pay for all the medication and hospital bills in addition to a life cover in case of any permanent impairments and physical disabilities that were caused due to the accident. A the personal injury attorney helps in cases revolving around loss of support for the loved ones like family and also for all incurred medical bills and expenses both in present and the future.
Before getting on to fight for your legal rights in the court of law the personal injury attorney would consult your case and make a fine statement that would only make your case stronger. During this process the personal injury lawyer that you hire for your case can and will ask you some personal questions about the accident which you are expected to answer sincerely. The lawyer may also ask you to get all the details and bills that you would be paying against the medication for the injuries inflicted on you from the accident.
One of the main points that the personal injury lawyers advise against is contacting the insurance agencies immediately after the accident. Hence you must try not to intimate the insurance agents unless told to do so by the personal injury attorney as he knows the best of the law. The only reason behind not facing the insurance companies yourself being that it is highly impossible to extract payments from the insurance agencies in case of accidents and the lawyers know all the law to intimate the companies themselves to part with the payments that rightfully belong to you.
You Must Know The Potential Legal Consequences, Before You Buy Steroids!
You must not only consider the possible health risks but also the potential legal consequences, before you buy steroids. It can be extremely dangerous to buy steroids. Anabolic steroids can lead you to jails, or strict federal penalties. So, you should be very careful while you go to buy steroids. You must know the potential legal consequences, before you buy steroids.
Anabolic steroids, you know, are classified as controlled substances under U.S. federal law and the laws of many states. It is a federal crime to use/possess/distribute/buy steroids without proper prescriptions from doctors. The Anabolic steroids Control Act of 1990 places anabolic steroids in the same legal class Schedule III as amphetamines, methamphetamines, opium, and morphine.
Simply the possession of any of Schedule III substances is a federal felony that could fetch you federal punishment up to one year in prison and/or a minimum fine of $1,000. If you are caught possessing anabolic steroids with a previous conviction for certain offenses, including any drug or narcotic crimes, you could get imprisonment of at least 15 days and up to two years, and a minimum fine of $2,500. With two or more such previous convictions, you could face imprisonment of not less than 90 days but not more than three years, and a minimum fine of $5,000, just for simply possessing any of Schedule III substances.
Its not just about possessing Schedule III substances, but selling these substances is also a serious crime. Selling steroids or possessing them with intent to sell, is a federal crime. If you buy steroids, and possess them with intent to sell, you could get punishment up to five years in prison (with at least two additional years of supervised release) and/or a $250,000 fine. If you commit such a violation after a prior conviction for a drug offense, you could faces up to ten years imprisonment (with at least four additional years of special parole) and/or increased fines. Thus, you commit a federal crime when you buy steroids for non therapeutic use, without proper prescriptions from doctors.
Often, you feel that its pretty safe to buy steroids thru internet, but its not true. The Federal Postal inspectors also monitor the U.S. mails. Suspicious packages coming from overseas can be examined. The domestic parcels from California and the Southwest to sites on the East Coast are often monitored. If illegal drugs are found in your mail, the U.S. Postal inspectors will often arrange a controlled delivery of the package to you. If you accept the package, police agents with a search warrant can search out your place for additional drugs. So, its not risk free to buy steroids thru mail order. If you get arrested for possessing/buying anabolic steroids, you are advised to stay silent until you consult your lawyer. You should not answer any questions until you speak to your lawyer.