Legal Tips to Get You Through Life

 

It’s not uncommon for people to encounter legal issues along the way. Let’s look at ten ways you can get through a common legal encounter.

#1 Make a Will 

Life happens,andeventually, life ends. You don’t want to leave a mess behind when you are gone. A will outlines who will inherit your estate. It names a guardian to look after your children. Also include other key documents like a trust, powers of attorney and a medical mandate.

#2 Sign a prenuptial agreement 

If you own a business or have children from a previous relationship, you should have a prenuptial agreement drawn up if you are going to get married. It will spell out how things will work if you divorce or one of you dies.

#3 Know Your Rights if a Cop Stops You 

Remain polite and cooperative with the police. The officer may ask for id, registration,and insurance card. Provide those. If the officer starts to ask about where you’ve been or are going, you are not obligated to answer. If the officer wants to search your vehicle or conduct a roadside sobriety test, you can say no.

#4 Deal with Overwhelming Debt 

It’s best to stay on top of your debt, but it’s easy to get overwhelmed by it. Call your creditors before you’re late. If you find the payments are too high, try to negotiate lower payments.

#5 Don’t Take Bankruptcy Lightly 

Bankruptcy sounds so easy. Your debts are gone, collections stop calling, you have a fresh start. The reality is a bit harsher. It’s a permanent mark on your credit report. Talk with a financial professional before you file.

#6 Talk with an attorney 

When you need professional legal advice, make an appointment to talk to an attorney. It doesn’t matter if you have a personal injury, are getting a divorce, or have a consumer concern. Most first appointments are free, and you can get peace of mind.

#7 You Have No Right to a Job 

Illinois is an at-will state, meaning you can be fired at any time for any reason. There are exceptions. If you have an employment contract, you may have recourse in the courts. If your employer fires you because of race, religion, gender, or age, you have a discrimination case.

#8 Fight a Foreclosure 

The worst thing you can do when you know foreclosure is imminentis just wait for it to happen. Talk with an attorney that specializes in loan modifications or foreclosure defense. The attorney can ensure your rights are protected and that your lender follows the rules.

#9 Show Up to Court 

No matter what type of court case you are summoned for, you need to appear in court. If you are summoned to court for breaking the law, missing court could mean the judge issues a bench warrant. If you are called for a civil case, you are likely to lose the entire case if you don’t show.

#10 Don’t Talk with Another Party’s Insurance Company 

If you are injured in an accident or on someone’s property, you may have to deal with the other party’s insurer. Never trust the insurance adjuster. He works for the insurer,not you. The better option is to hire a personal injury or medical malpractice attorney in Chicago area to handle the insurance company. In almost all cases, you will receive a better settlement.

 

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