Though it’s a shame to say so, not all lenders are honest. While we might hope that those we deal with in business or with private loans are upright and eager to follow the rules, that isn’t always the case. That lack of honesty can mean a lot of bad things can happen to your finances if you aren’t careful. Even worse, you could lose not just some money or your credit score, you could lose your home.
It’s important to be aware of the ways lenders can take advantage of homeowners. With the help of the Gagnon, Peacock and Vereeke site, here is a list of potentially illegal practices a lender may try to pull on you.
- A failure to provide proper notice
Keep track of every notice you receive, because if there has not been enough given, you may be entitled to sue and keep your home. It’s required that banks give notice of missed payments and notify you when your home may be foreclosed upon. If they failed to do that, you have a case.
- Lender bad faith
Did your lender refuse to let you pay? No matter the reasoning behind this, if you made a good faith effort to make a payment and your mortgage company refused to take it, you once again have a case that any foreclosure is not due to your own fault. Missed payments would be on the bank.
- Overcharging for late payments
It’s a common practice for late payments to come with a fee. However, if your bank was overcharging for these late payments, and that led to a greater increase in your debt which resulted in a foreclosure, you shouldn’t be held responsible for it. This shameful activity should be stopped immediately. It’s another good reason to hold on to any statements you receive and to watch your bank balance to make sure there are no extra fees being taken out.
- Predatory Lending
This term became national news during the Great Recession, but unfortunately, such practices continue today. Predatory lending means a bank offers extremely unfair terms for a loan and it doesn’t explain those terms upfront. If you signed up for a loan and only found out later that the interest rates were far higher, the fees much greater, and those facts made the loan impossible to pay back, then you should be looking at contacting a lawyer.
While I wouldn’t wish any of these things to happen to anyone, it’s important to be aware of the practices upfront so you can better protect yourself. Forewarned is forearmed, as they say, and knowing that any of these are possible will give you the chance to keep an eye on your bank.
Always remember, a bank is a business, and businesses want to make money. While many bankers are upstanding people, none of them are your friends, and some of them are as unethical as people in any other profession. Keep your eyes open and don’t take anything at face value.
The human brain is responsible for the entire networking operations of the human body. However, when exposed to even slight trauma, the brain can be seriously injured. Extensive brain injuries can leave victims entirely dependent on caregivers for constant care. Studies done by the CDC have shown the intense damages experienced by victims and family members affected by serious brain trauma.
A particular accident in Massachusetts involving an underage drunk driver left two people injured after the driver ran a red light and collided with another car. The two injured victims were evacuated to receive medical care as one showed severe life threatening injuries. Severe head trauma experienced by this individual is entirely the fault of the nineteen-year-old drunk driver. Besides injury to the observable physical body brain injuries also have lasting psychological effects on patients. In addition, the tremendous and often daunting medical bills that the patient incurs due to their injury can also have an effect on their recovery. In any case, it would be wise to seek legal help in order to be best represented with chances of victory in a court of law.
The CDC notes that in the year 2013 there were nearly 2.8 million traumatic brain injury-related emergency hospitalizations and deaths in the U.S.
In the Massachusetts case, the driver attempted to flee the scene of the original crash but was found down the road with the passenger severely injured. The same study found that across all age groups, incidents involving a vehicular crash were the third major cause of traumatic brain injury related deaths.
The Center for Disease Control and Prevention’s study into traumatic brain injury is eye opening in respects to the sheer amount of data they collected. While most brain injuries occur from falling it is still frightening that the third major cause is due to vehicle accidents. More adequate safety features and airbags designed to protect rather than concuss the passenger on impact should also be advocated for. Thankfully new technology in car systems is making our roads safer. Soon these traumatic brain injuries may indeed be a thing of the past in relation to auto accidents. Until then it is the responsibility of lawmakers to implement legislation that works to remedy brain related injury medical costs for patients. Once the individual sustains a heavy injury, it is very unlikely that they will ever return to their former lifestyle, which leaves them at the hands of caregivers in whichever form they may take.
To conclude, without the brain, we could not exist in relation to the world around us, and victims at the hand of irresponsible drivers deserve better than they have experienced. There remains much work to be done on the side of automobile manufacturing and driver’s education programs. Events like the one mentioned above have become too normalized in the desensitized culture we live in. Starting now, together, we can bridge the gap in order to build a safer space for every party involved.
According to the U.S. Forest Service, a division of the U.S. Department of Agriculture, trees do more than just create an outdoor living environment that is beautiful, healthy and safe. Trees offer and provide all these benefits and more:
- They lower blood pressure, slow heartbeat, and relax brain wave patterns;
- They provide inviting and cool areas for recreation and relaxation;
- They capture carbon dioxide (CO2), helping reduce the overall concentration of greenhouse gases in the atmosphere;
- They act as natural air-conditioner, lowering the temperature, especially during summer, from 6 to 8 degrees as compared to neighborhoods without trees;
- They reduce residential heating costs from 10-15 percent and residential air-conditioning costs from 20-50 percent;
- Homes landscaped with healthy trees sell more quickly and add as much as 20 percent to a property’s market value;
- They provide homes for more than 80 species of wildlife, such as birds (woodpeckers, nuthatches, and eagles), and other animals, like salamanders and squirrels.
- A community that is lined with trees increases the value of homes by 25 percent;
- Trees attracting business – people linger and shop longer when trees are present;
- Where a canopy of trees exists, apartments and office spaces rent more quickly; workers also become more productive and there is less absenteeism.
- Trees reduce runoff and improve water quality by absorbing and filtering rainwater.
These are some of the reasons why, in landscape architecture designs, one element that is ever present is trees. According to the Hamlin Tree Care, trees are assets and, therefore, worth investing into whether in residential or business areas.
In recognition of the many benefits of trees, a bill, called the Residential Energy and Economic Savings (TREES) Act, was introduced in the U.S. Congress. This Act hopes to help lower energy usage and utility bills through the targeted planting of residential shade trees. It explicitly cites the benefits of proper tree siting, including storm water management, reduced energy load demand, and carbon sequestration. It would establish a grant program to assist electricity providers in planting shade trees to insulate residential buildings and minimize home heating and cooling demands.
Those who Suffer due to Medical Negligence may be Entitled to Pursue Financial Compensation for Their Losses
There are certain types of health problems wherein doctors would recommend surgery, but only as the last form of treatment – if all other non-surgical forms of treatment do not work. Surgery is a complicated and risky medical procedure; but while many patients successfully go through it, others are just too weak to make it through the operation or a short while after the operation. There are cases, however, as shown through government and hospital records, when patients either suffer complications or never make it, not because they have weak bodies, but due, rather, to mistakes committed by those in charge of the surgical procedure.
According to the Agency for Healthcare Research and Quality of the U.S. Department of Health and Human Services, committing of errors during surgical procedures is just one of the many forms of medical mistakes which doctors, nurses, other medical professionals, hospitals and clinics are guilty of. Other items in the list of medical mistakes include, but are not limited to: misdiagnosis; failure to diagnose; delayed treatment; wrong medication; and birth injury. All these mistakes result either to new health problems or to the worsening of an existing illness, diminishing the quality of life of the patient.
In 2010, as reported by the Office of the Inspector General for Health and Human Services, about 180,000 Medicare patients died due to medical mistakes. The actual figure, however, as printed in the Journal of Patient Safety, patient deaths (including those not covered by Medicare) fall between 210,000 and 440,000.
From the figures given above, surgical errors account for, at least, 4,000 cases each year. Specific cases of surgical error include:
- Wrong-person surgery;
- Incorrect surgical procedure;
- Wrong-site surgery;
- Improper suturing;
- Accidental puncture or laceration;
- Removal of wrong organ;
- Foreign bodies left inside a patient’s body;
- Wrong dosage of anesthesia;
- Post-operative hemorrhage or hematoma;
- Physiologic and metabolic derangement;
- Wound dehiscence, a surgical complication wherein a wound ruptures along a surgical suture;
- Pulmonary embolism; and,
- Wrongful death due to complications from negligent surgery.
Medical mistakes, especially surgical error, happen more frequently than many others think. What is disturbing is that many of these are committed even by well trained and experienced surgeons and the best hospitals in the U.S. Take, for example, the case of a 70-year old patient who died after two surgeons mistakenly removed his wrong kidney; there are also reports of operating on the wrong side of a patient’s brain which happened three times within just a year, and all in the same hospital.
As explained by Madison personal injury attorneys at Habush Habush & Rottier S.C. ®, “When a patient visits a doctor for medical treatment, it is with the implicit understanding that his or her physician will provide the individual with the care and treatment expected of that medical profession. Doctors and other healthcare professionals are held to high standards, as even seemingly minor errors can have dramatic consequences on patients’ health and well-being. Unfortunately, not all doctors act as carefully and responsibly as they should, exposing their patients to the threat of serious illnesses or injuries. Because of the devastating repercussions that medical malpractice can have on a patient’s life, it is often possible for victims of negligence to receive compensation for their damages.”
There are more than 15,000 nursing homes in the U.S. that shelter more than 1.5 million residents – elders, individuals who may be physically or mentally incapacitated, and those in need of rehabilitative therapy due to illness or accident.
To protect and uphold the interests of these residents, the Nursing Home Reform Act was enacted by the US Congress in 1987, mandating nursing homes participating in Medicare and Medicaid (or receiving Medicare and Medicaid funds) to “provide services and activities to attain or maintain the highest practicable physical, mental, and psychosocial well-being of each resident in accordance with a written plan of care.”
The Act also states that “the resident has the right to be free from verbal, sexual, physical, and mental abuse, corporal punishment, and involuntary seclusion.”
It seems, however, that no kind of law would stop acts of abuse and neglect from being committed against residents of nursing homes because these inhumane acts continue to be committed every year. Though reported acts of abuse and neglect number to thousands, it is believed that so many more remain unreported, especially the more sensitive and humiliating cases, namely sexual abuses.
Acts of abuse and neglect do occur in nursing home facilities in the U.S. and the most common reasons why these acts happen include understaffed facilities, overworked personnel, very demanding needs of the residents and the defenselessness of the victims.
Federal nursing home regulations define abuse as any form of act that deliberately inflicts injury, deprives care or service, or results to intimidation, unreasonable confinement, or punishment resulting to physical harm and/or mental anguish. Neglect, on the other hand, is defined as failure to provide a resident with the necessary care and service which will ensure freedom from pain or harm, or a failure to assist a resident during potentially dangerous situation that can result harm or anxiety; neglect may by intentional or non-intentional.
Abuse and neglect of nursing home residents are crimes since these are directed against defenseless people whose care have been entrusted to those who promise to provide quality care and service. Thus, it is important that families of these residents are always sensitive to any sudden changes in their loved ones (during visits) as any unexplainable changes may just be manifestations that something is wrong. Contacting a highly-qualified nursing home abuse lawyer or personal injury lawyer immediately may be necessary for the possible legal actions the family may decide to take.
According to the law firm Mokaram & Associates, P.C., “Personal injury law is a wide branch of tort law that encompasses civil cases brought against other citizens. These cases typically arise when the negligence of one person causes injury to innocent party. This negligence can be created through action or inaction either directly or indirectly. Frequently these cases result in compensatory damages to assist with the injuries incurred.”
It is understandable that you are excited for your new motorcycle, but your excitement does not give you an excuse to disregard safety procedures and do reckless behaviors, especially because you are new to the art of motorcycle riding and you are still very vulnerable to common mistakes. Below are some of the common mistakes that new motorcyclists make, potentially leading them to accidents and injuries.
Not wearing protective gear
Motorcyclists are vulnerable motorists, as they are not enclosed with a chassis like car drivers. If you get into an accident, you will most likely absorb the collision force fully. The most effective way to minimize the threat of this force is to wear protective gear, such as helmets, jackets, jeans, gloves, boots, elbow pads, and knee pads. It can be hot outside when you wear these gears, but it is better to be hot than sorry.
Riding beyond their skill level
As a new motorcyclist, you have no idea what the threshold of your riding skill is. But it is fair to think that a beginner has very limited skills. Going beyond your skill level, such as going too fast, maneuvering too much, going on a long road trip alone, and taking a passenger with you even though you are not ready, may be very dangerous.
Thinking that riding is just the same as driving a car
Motorcycles and cars are essentially the same, as they are both modes of transport. But it doesn’t mean that they are the same in all aspects. Motorcycles have less traction on the pavement, so even small rocks and leaves can cause an accident. You can’t say the same for cars. Motorcyclists are also more vulnerable to legitimate road hazards, such as potholes.
Take note that these are just the most common mistakes, as there are other mistakes out there that are equally as dangerous, such as not focusing on the road, not looking before turning, not having a considerable distance from other motorists, and other errors while on the road.
According to the website of Ali Mokaram personal injury attorney, a negligent party who has caused injury to an innocent party may be taken to court because of a personal injury case. So, it is not just you who can suffer if you commit these mistakes. You can injure someone else, and worse, you can even be taken to court because of your behaviors.
Fentanyl is an extremely powerful opioid painkiller that is 80 to 100 times stronger than morphine. It was approved by the U.S. Food and Drug Administration (FDA) for the treatment of late-stage breakthrough cancer pain in adults who are opioid tolerant or who have developed a tolerance for opioid medications as a result of long term treatment.
Cancer patients would definitely be familiar with some medications, like: Actiq, which is in lozenge form; Duragesic, which is in the form of a skin patch; Abstral, a sublingual tablet or a tablet that goes under the tongue; Fentora, a tablet that goes between the gum and cheek; and, Subsys, a sublingual spray.
Subsys, the most recent fentanyl-containing medication placed under legal spotlight, is manufactured, and was introduced in 2012, by drugmaker Insys Therapeutics, Inc. During the first half of 2015, this drug netted a $147.2 million profit for Insys, making it one of the biggest selling highly-addictive painkillers in the U.S. and around the world.
Use of Subsys, however, like all other fentanyl-containing drugs, poses great risk due to the possibility of abuse, misuse, addiction and overdose; using it on children can be fatal too. Due to the risks it presents, the FDA has Subsys mandated that it can only be prescribed (by healthcare professionals) and acquired (by patients) by enrolling in the Transmucosal Immediate-Release Fentanyl (TIRF) Risk Evaluation and Mitigation Strategy (REMS) Access program, a restricted program of the FDA.
It may be true that Subsys effectively and immediately controls breakthrough cancer pain; despite being effective, however, reports have surfaced which link this drug to about 203 deaths since it was introduced in 2012. This is besides the 52 Subsys-related deaths reported in the second quarter of 2015.
The risks, the deaths, plus allegations that Insys Therapeutics has illegally prescribed Subsys for off-label use (the major reason for the many cases of fatal overdose in individuals who are not suffering from cancer and, therefore, not opioid tolerant) has landed this drug in the “drugs of concern” list kept in the office of the U.S. Department of Health and Human Services’ Inspector General.
Patients who have been inappropriately prescribed with a powerful opioid medication, such as Subsys, can suffer serious and potentially fatal injuries, such as overdose. Seeking legal assistance from a highly-skilled Subsys spray attorney may be able to help the victim and/or his/her family pursue justice and the compensation he/she may be legally entitled to.
No matter how smooth flowing your plumbing system is, it is still bound to encounter some problems occasionally. While you can do some plumbing works yourself, there are times when letting the professionals handle such kind of jobs is the best option. According to the website of American Leak Detection of Dallas, some leaks are hidden that it will require an expert to locate them. So when is the best time to dial a plumber?
- When the main line has stopped
Repairing the main line of your plumbing system entails the use of special equipment which only plumbing companies have.
- When there are leaks in your walls, basements, or bathrooms
When water damage creeps in along your ceiling, walls, or floors, there might be a leaky interior pipe. These types of damage can lead to a more serious problem. So before it gets worse, call a plumber to locate, fix, or replace the leak.
- Your shower valve needs to be replaced
Choosing the right shower valve can be complex and time consuming if you do not have the experience. A professional plumber has the skill in changing the valve with minimal damage to your walls.
- Slow or Totally Clogged Drains
Slow or completely clogged drains can lead to serious problems. Attempting to find the cause of the problem yourself is a recipe for disaster. A plumber has the training, skill, and equipment for removing clogs without damaging your pipes.
Do-it-yourself plumbing can indeed save you plumbing repairs expenses. However, it can become a huge problem if you attempt to do the plumbing project yourself. By letting the professionals do their jobs, you can have some peace of mind when it comes to leaks and other plumbing-related issues. What’s a hundred bucks compared to having leak issues here and there.
As instituted by the Federal Motor Carrier Safety Administration (FMCSA), those who carry a commercial driver’s license (CDL) are held at a higher regard than those who have non-commercial driving licenses when it comes to driving under the influence. This is because regardless of what they are driving, commercial drivers present a serious danger to the safety of the public as well as become a major liability to their respective employers.
The majority of states in America has taken up the strict FMCSA regulations regarding alcohol levels for commercial drivers. Set at half the blood-alcohol concentration limit of non-commercial drivers, commercial drivers should have less than .04 percent BAC limit. Furthermore, those who have consumed alcohol are not allowed to drive a vehicle within 4 hours after they have consumed alcohol. This is to ensure that they will not be a risk on the road and prevent any road accidents.
The effects of being charged with commercial DUI can be extensive. According to Ausband & Dumont, aside from being subjected to the same procedures as non-commercial drivers, those who have been charged with commercial DUI can face a lengthy license suspension. This could lead to loss of employment and financial struggles for the driven and their family. Additionally, those who have been convicted of DUI (regardless of whether he was on duty or not at that time) has to inform their employer about the court’s decision and their license suspension or revocation. The employer should prevent the CDL-driver from operating until the end of their license restriction. This often makes re-employment very difficult for the driver because the DUI conviction is already on their records.
There are many ways with which a commercial driver will be required to take a random alcohol test, such as a when there is viable suspicion, after an accident, or as part of the requirements to return from work after a suspension. FMCSA additionally requires drug testing as part of a condition for employment, after an accident, when there is feasible suspicion, and as a prerequisite to go back to work. Refusing to submit to any of these tests can lead to a more severe penalty, and could lead to a guilty plead for DUI according to FMCSA rules.
After the initial Volkswagen scandal discovery of millions of cars outfitted with software to avoid strict emissions regulations, the chief executive of the German auto manufacturer Martin Winterkorn resigned. His replacement was announced on September 25 as head of Porsche, Matthias Muller. Along with the announcement of the new chief executive came companywide changes that are intended to repair damage to the company after “Dieselgate.”
The effects of the Volkswagen software that duped emissions tests on the diesel models is yet undetermined. The environmental impact is considered to be substantial with 11 million vehicles around the world emitting nitrogen oxides 10 to 40 times above U.S. legal limits, according to the the website of the Driscoll Firm. This was done by the “defeat device” inserted into diesel passenger cars that sense when a vehicle is being tested rather than driven on a road, triggering the vehicle emissions to regulation levels.
Berthold Huber, the chairman of the company’s supervisory board called the incident “a moral and political disaster.” Under the new chief executive, removal of several leaders in connection to the scandal is underway. Among the suspended individuals is Christian Klingler, the former top sales and marketing executive at Volkswagen. As stock and sales continue to drop around the globe, Volkswagen hopes that the new leadership will promote the regrowth of trust.
One of the main concerns for consumers is in regards to compensation that that former Chief Executive Martin Winterkorn promised was coming. Volkswagen made a statement assuring that $7.3 billion dollars was set aside for VW diesel passenger vehicle owners affected by the scandal. In the wake of falling estimated values of affected vehicles, many drivers are upset that they were deceived into harming the environment and are now possess fraudulent vehicles. However no plan has been released to the public on how these funds will be distributed to the car owners. However no plan has been released to the public on how funds will be distributed to the car owners.