Mortgage Modification

Mortgage Modification

A loan modification can be the best solution for a struggling homeowner. A loan modification can stop a foreclosure sale date and save your home. It can also lower your monthly payment by reducing your interest rate and or extending the term of you loan, and result in your loan being reinstated so that you are current without the need to pay all the missed mortgage payments. It is generally a very simple process to begin, and the lenders generally make it very simple to file a Massachusetts Loan Modification application. This has an unfortunate effect on the homeowner. To many it seems as though they have found the solution to their problems. Unfortunately, this simple-to-get-started approach disguises the complexity of getting an application for modification approved. Many homeowners complain about getting the run around, being strung along for months and sometimes years while the lender “processes the modification”. In some cases, homeowner applicants are given “TRIAL LOAN MODIFICATIONS” that string them along further, and are then denied after complying with all the requirements of the trial. Only then do they find out that they never really qualified for the Trial Loan Modification. That they were only given the trial modification because the bank personnel that approved the trial did not do the right job. Some have concluded that government incentives paid to the bank for the number of homeowners that are put into trial modifications have created an incentive for banks to put unqualified homeowners into a trial program. The good news is that our group can help.

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Motor Vehicle Accidents

Motor Vehicle Accidents

The Insurance Company May:

1. Tell you that you don’t need a lawyer.

2. Ask you to sign documents that you don’t understand.

3. Tell you that you don’t have a case.

Auto accidents have become a daily occurrence on the roads and highways of America. Victims of car accidents that are the result of another driver’s negligence or wrongdoing may be entitled to damages for personal injury, medical expenses, pain and suffering, and property damage. There may be a time limit to when you can file your claim, so it is imperative that victims of car accidents in Massachusetts contact our lawyers as soon as possible.

Even though victims who suffer injuries in accidents caused by other drivers may be able to recover compensation through personal injury claims, many victims of car accidents are so shaken after the incident that they do not take the time to gather evidence or document the specifics of the accident. It is important to remain coherent so that you can organize your thoughts and make strong mental notes of the accident scene. There are certain things victims of car accidents in Massachusetts can do to strengthen their case, including:

    • Gather names and addresses of the other driver(s) and passengers
    • Gather names and addresses of anyone who witnessed the car accident. If someone saw the accident, make sure you get their name and telephone number.
    • Gather insurance information, including the name of the insurance company and policy number. It is important to call you insurance company right after the accident. Do not wait more than 24 hours.
    • Always call the police so a report will be made. When the police arrive, tell the officer what happened. The other driver may try to spin the facts differently so you need to be heard.
    • Document damages to your vehicle and the vehicle that hit you. Take photographs of the scene and any traffic signals or signs that are there. Try to use a camera rather than a cell phone, if possible.
    • Document any injuries sustained as a result of the car accident, including head injury, lacerations or bruises to the body.
    • NEVER admit fault after an accident, especially to the police.
    • DO NOT tell the police you are okay after the crash. Many times soft tissue injuries exhibit none or very few symptoms but ususally get worse later on. Also bear in mind that the excitement and confusion of the accident may mask any symptoms or stiffness that you may be having.

Motor Vehicle Accidents

  • If you think you may be injured, seek treatment as soon as possible. Delays may lead the insurance company to claim that you were not really hurt in the accident. Think carefully before you relate your symptoms to your healthcare provider. Sometimes only the major area of immediate pain is related to the health care provider and other minor injuries become problematic later bu were not mentioned at first.

If an accident has changed your life, we can and will seek justice for you and your family and ensure you receive the compensation to which you are entitled and will fight hard for your legal rights.

Just Remember: insurance adjusters are trained to gather information that is detrimental to your claim, settle the case for as little as possible, and with as many delays as they can.

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Workers’ Compensation

Workers Compensation

If you, or someone you know has been injured at work, the Massachusetts Workers’ Compensation Statute provides specific benefits to the injured party – regardless of who is at fault.

Benefits

If you are unable to earn your pre-injury wages for five days or more due to your work injury, you are entitled to weekly benefits. The amount of benefits is based on the extent of disability.

If you are totally disabled as a result of your work injury, you are entitled to a weekly benefit of 60% of your pre-injury wages. If the same total disability is found to be permanent, you would be eligible for a weekly benefit of 66.67% of the pre-injury wage. Many employees have their claim denied initially by the workers’ compensation insurance carrier. If this happens, do not lose hope. Contact us to evaluate your case.

The Massachusetts workers’ compensation statute gives you the right to obtain medical treatment from a physician of your choosing. All workers’ compensation benefit payments are not taxable. If you have other tax concerns, we will be glad to discuss these with you. For additional information concerning our tax services please visit us at http://www.getmemyrefundnow.com

Workers Compensation

Other Potential Claims

Depending on the nature and severity of the injury, you may be entitled to benefits for scarring, loss of function and disfigurement. In addition, you may be eligible to receive vocational retraining if you are at an end medical result and you have restrictions which prevent you from returning to your prior position. You have the right to be reimbursed by the workers’ compensation insurance company for expenses relating to your medical treatment. For example, out pocket expenses for prescriptions, parking while at doctor’s appointments and mileage to and from the doctor’s office are a few examples. If a third party is found to be responsible for your work injuries, you may be able to recover for pain and suffering as a result of that third party’s negligence. The good news is that we handle these claims in tandem with workers’ compensation cases.

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