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What You Need to Know About Motor Vehicle Accident Compensation

October 11th, 2017 7:36 am

As the population expands our roads get busier and busier. This means more cars on the road and more chances of being in an accident. Unfortunately, accidents are not always avoidable and can be life-changing. If you have been involved in a motor vehicle accident you may be entitled to claim compensation.

Making a personal injury compensation claim or motor vehicle accident claim can help you receive entitlements that can help you get your life back on track quicker. It can also help to alleviate some financial strain that comes with a serious injury.

If you have been in a vehicle accident there are a few things you should do:

1.    Always seek medical help
If you have been injured in a motor accident then it is important to seek medical help as soon as possible. A medical professional will be able to diagnose your injuries and help put you on a treatment plan. It is important to know that some vehicle injuries may not be evident straight away and can take a few days to show.

When you do speak to your GP or medical professional it is important that you advise them how your injuries were sustained. This will need to be noted in detail in your medical records and will be needed if you do choose to proceed with a compensation claim.

2.    Seek Legal Help
After you have sought medical help then you can seek the help of a motor vehicle accident lawyer. An expert in this area will be able to assess your situation and check that you are eligible to claim compensation for your motor vehicle accident. Your lawyer will work with you to ensure that you have a strong case and that you receive the compensation you are entitled to. This will include gathering evidence such as police reports, photos from the accident scene and witness testimonials.

Your lawyer will work to seek compensation through negotiations either with the insurance companies or the persons at fault. If they can not come to an agreement then your legal expert will help you through the Court process.

Vehicle accidents can change your life in a split second and can cause you serious injury. This can stop you from working and make you unable to support your family. Seeking compensation will help you financially as you work to recover and get back to a normal routine.

Generally, you can claim compensation for:

•    Loss of income
•    Hospital and rehabilitation costs
•    Home assistance
•    Pain and suffering
•    Loss of life enjoyment

If you are seeking legal help then AJB Stevens can help. Our experts have extensive experience dealing with motor vehicle accidents and personal injury. We always work to ensure your needs are met and your case handled in a discreet, professional manner.

To learn more about how we can help you or to make a motor vehicle compensation claim then contact AJB Stevens today.

Understanding Debt Collection Laws

September 8th, 2015 8:53 am

Debt collection laws have changed, thanks to the Fair Debt Collection Practices Act. Now, collection laws aren’t one-sided, but instead give consumers a way to fight back against bill collectors who would cross the line in an attempt to collect a debt. So many bill collectors work on a contingency basis, which means that they don’t get paid unless they collect, and that can make them take actions in their collection efforts that are against collection laws.

If you’re dealing with a collection agency employee, and aren’t sure if he’s following debt collection laws, here’s a general overview of the Fair Debt Collection Practices Act.

* Any time a bill collector contacts you, he or she must identify himself or herself as a collector. They aren’t allowed to pretend to be anyone else, such as law enforcement, an office of the court, or an attorney.

* According to collection laws, a debt collector must tell you in their original contact letter that you have 30 days to dispute the debt. They must also tell you that unless you do so, they have the right to assume that the bill is valid.

* If you dispute a debt, the collection agency isn’t allowed to continue their efforts to collect the money until they have proven the debt is yours to pay. If they do, they are violating the established debt collection laws.

*If the debt is disputed, it will be the collector’s responsibility to prove that the debt is yours. They must provide you with original paperwork that shows you agreed to pay the debt to the original creditor.

* If it’s established that the debt is yours, the debt collector cannot speak to anyone about the debt except you and, in some states, your spouse. If they call a third party to try and locate you, they aren’t allowed to tell them that they are calling about a debt. What’s more, if you hire an attorney, the collection laws state that debt collectors can only communicate with your attorney from the date you notify them about it.

* When dealing with a collection agency, they aren’t allowed to talk to you in a way that demeans you, belittles you, or humiliates you. They aren’t allowed to threaten you or attempt to bully you into paying your debt.

* A collector isn’t allowed to contact you at work if you tell them, in writing, that you’re not allowed to receive phone calls there.

* Debt collection laws state that a debt collector can’t call you before 8AM or after 9PM in your time zone. In addition, they aren’t allowed to make repeated calls in an attempt to harass you.

* If you don’t wish to communicate with a collector, you have the right to tell them so. Send them a cease and desist letter via certified mail with a return receipt requested and tell them that you no longer wish to communicate with them, and according to collection laws, they must stop. That doesn’t mean that they have to stop attempting to collect the debt, but they won’t be able to contact you unless they do so to tell you that they are stopping their collection efforts, or are taking legal action to collect the debt.