Kingston Law Firms

As an experienced California Personal Injury Attorney with millions of dollars in settlements and multiple million dollar plus settlements from over thirty years of experience I know many of you are attempting to settle your own personal injury, dog bite and wrongful death cases by yourselves to save the cost of an attorney.

In this article I’ll tell you the secrets of how to do it but I’ll also tell you why insurance companies lick their chops and rub their hands together with glee when individuals try to settle their claims without an attorney and why, in most cases, you’ll receive a greater amount in your pocket, even after an attorney’s fee and costs if you hire a reputable and experienced personal injury attorney.

If you’ve been the victim of a car, motorcycle, truck, pedestrian, bicycle, or auto accident, lost a loved one in a wrongful death or been the victim of a dog bite or animal attack, you can visit our website at http://www.sebastiangibsonlaw.com for more information and call us at any of the numbers easily found on our website.

First, you need to know that insurance companies evaluate cases two ways. As soon as you begin negotiating with the insurance company yourself, they evaluate your case, unfortunately, in terms of a nuisance value matter. They’ve settled tens or hundreds of thousands of cases with individuals before for paltry amounts and they will expect they can settle your case for a measly amount as well.

Why do they look at you as if you’re chopped meat? As soon as you tell them you are negotiating your own settlement, they know you’re trying to save money. To them, that means you may even be desperate. They also know you won’t be as knowledgeable about their tricks and tactics and like those tens or hundreds of thousands of people before you, they know how they can play you until you either become so frustrated you settle for their bad offer or become panicked that your time is running out.

The second way they evaluate a case, namely one presented by a lawyer, is an analysis of what the case’s true settlement value is based on the attorney’s skill and experience, how prepared the case is for litigation in the event it doesn’t settle, and the actual value of the injuries and associated pain and suffering, wage loss and other out of pocket expenses.

To settle your case for the maximum amount possible, you need to get the insurance adjuster to evaluate your case in the same manner they would as if an attorney were negotiating with them. While most insurance companies, unfortunately, simply won’t do that, here’s what you need to do to try to obtain the maximum settlement value.

First, you need to obtain all of your medical records and bills. You can’t rely on the insurance company to do this. As soon as you tell the insurance company you want them to do this or agree to having them do it and tell you how much your medical bills come to and what your medical records say, you are giving up control of the situation. I can’t stress this enough.

You will need to sign authorization forms to obtain your medical records and bills and pay the cost of obtaining those medical records and bills (the cost of which can range from $15 to hundreds of dollars) from each hospital, ambulance company, doctor, chiropractor, radiologist, emergency room billing service, etc. Some medical providers require you to use their authorization forms. Some require you to agree to their using a photocopy service to copy your records at a higher cost. Some medical providers require one fee for your bills and another fee for your medical records.

Just obtaining all of your medical records and bills is one of the most time consuming aspects of handling personal injury cases. And, to make matters worse, you’re still not through with your medical providers. When your treatment is complete and you have all of your medical records and bills and the first settlement offer is made to you, you’ll need to call each of your medical providers or their billing offices again to learn if you have any balance owing (and you can expect to be on the phone repeatedly and for long periods of time to learn this information) and in many cases you will need to send them another authorization form before they’ll tell you this information.

You will need to obtain a copy of the police report. This is a much simpler process. Some police departments charge between $10 to $40 for a copy, while other departments provide them to you for free. You can pick it up at the police or CHP office yourself or request one by mail with an authorization form and a check for the proper fee.

You’ll need to obtain your wage loss information on a wage loss form from your employer if you suffered any wage losses.

You should obtain witness statements if there is any issue as to the liability of the other driver for the accident.

You will also need to obtain a number of good photographs of your car damage, copies of the vehicle repair bills and estimates and receipts for any items damaged in your vehicle.

Here’s a secret. In California you are entitled to the cost of a replacement child seat if one was in the accident. It’s automatic. Just tell the insurance company the make and model or find out the cost for the make and model child seat and the insurance company will send you a check for a new one, even if the old one wasn’t broken. Why? It’s in the California insurance code. The insurance companies, however, don’t volunteer this information. Why? They’re in business to make money, not pay it out.

Finally, when all your treatment is done, you will need to put together a demand package with a demand letter reviewing the facts of the accident and the negligence of the other driver that made him or her at fault, a summary of your injuries and medical treatment (from your medical records), an itemization of your medical bills, a discussion of your pain and suffering and how the injuries impacted your life, a discussion of your wage loss and how you determined the amount, and finally the amount of your demand and a time limit (40 days – the time allotted under the insurance code) for the insurance company to respond with their offer. The demand letter should be a minimum of four pages in length. Some of ours have been close to twenty pages. Accompanying the demand letter should be copies of all of your medical records and bills, color copies of the car damage photos, copies of the repair bills and estimates, any wage loss documentation and any other relevant items such as witness statements, etc.

If all of this is too much work for you to accomplish (and it is a lot when you are just trying to get better, get on with your life, raise a family and still go to work to put food on the table) you may want to hire our law firm to represent you.

The reason in most cases you will receive more, even after an attorney’s fees and costs are taken out, is that insurance companies offer much more to an attorney handling your case than when you are attempting to settle it yourself. In addition, an experienced and reputable lawyer can also obtain reductions from your health insurance company and from any medical providers with a balance with regards to what amount has to be paid back to them out of any settlement.

When you rely on the insurance company to pay your medical bills, and then simply pay you a skimpy amount on top, you are giving them the right to determine what bills they think were “reasonable” and to obtain any reductions in the bills to save themselves money. When an attorney obtains a reduction in your bills or your health insurance company lien, the amount the attorney saves increases the amount of your net settlement.

Keep in mind that as soon as you start negotiating your claim by yourself, it’s almost impossible for an attorney to persuade the insurance company to evaluate your case in the higher category type of claim. At our law firm, while we’ll take on a case that may be months old where the injured victim has simply been receiving medical treatment, we won’t take on the case in most cases if the victim has already received a bad offer from the insurance company. At that stage it’s usually too late for an attorney to make much of a difference.

Hopefully, this article has provided you with some insights as to how to obtain the maximum settlement from an insurance company for an auto, car, motorcycle, bicycle, pedestrian, truck, dog bite, or wrongful death claim. There is much more that an experienced attorney does, especially in the negotiation stage to maximize the settlement, but that will have to be reserved for another article. We wish you good luck and a speedy recovery from your injuries.

The law firm of Sebastian Gibson handles personal injury cases throughout Southern and Central California and handle wrongful death cases throughout the state. To learn more about Sebastian Gibson and the other areas of law handled by the law firm, visit the Sebastian Gibson website.

We invite you to visit our website at http://www.sebastiangibsonlaw.com and call us if you’ve been seriously injured in a personal injury auto, pedestrian, bicycle or motorcycle accident or if you’ve lost a loved one in a wrongful death.

Term life insurance is a temporary life insurance covering specific period of time. In this type of policy the insured or the owner pays a premium for a period. The insurance company provides monetary benefit to the beneficiary in case of death of the insured during that period. It is the cheapest type of life insurance available to the general public. Usually the benefit received on death of the insured is income tax free.There are four parties in term life insurance. The owner is the one who pays the premium. The Insured is the one on whose death, a death benefit(face value) will go to the beneficiary. The beneficiary is one who will receive the proceeds of insurance on death of the insured. The insurer is the company providing the insurance. Premium is the monthly or periodic payment made by the owner to the insurance company.For instance, Amanda pays monthly 50 dollars to ABC Company for insuring the life of Bill (her husband) for a period of 10 years. In case Bill dies during the 10 years, ABC company will pay 6000$ to Jack (son of Bill and Amanda). Here the insured is Bill, the owner of the policy is Amanda, the beneficiary is Jack and the insurer is ABC Company. The premium is 50$ and the face value of the insurance is 6000$. In case Bill does not die during the 10 years, ABC Company will not be liable to pay any money to any of the parties involved. Often the owner and the insured are same. That is a person buys a policy to cover his own death and nominates a beneficiary.Term life insurance is a legal contract with terms and conditions and assumed risks. Sometimes there are special provisions like suicide terms wherein on suicide of the insured there is no benefit accrued to the beneficiary. Term life insurance is based on two concepts, theory of diminishing responsibility and Buy Term and Invest the Difference (BTID). In Term life insurance the responsibility or liability of the insuring company reduces as the policy reaches its maturity. Term life insurance is the cheapest type of insurance policy available because there is no cash value at the end of the period. Studies have shown that the mortality rate in term life insurance policies is as low as 1%. Hence the concept of BTID. Rather than going for permanent life insurance (where on the expiry of period the owner will accrue some cash benefit and there is a savings component in it) it is considered cheaper to buy term life insurance and take care of the savings components by investing in other areas. With the present market giving good returns on investment, buying a term life insurance is a more attractive option than permanent life insurance. Term life insurance is available for a period of 5, 10, 20 years etc. As the age of the insured increases the premium increases. The premium is calculated based on mortality rate which is usually dependent on age, sex and whether the person uses tobacco. Most companies provide annual renewable term where in the term can renewed annually however the premium increases annually.

Legal Success Secrets

People often notice that success comes to only a few select and the rest lead a mediocre legal career. Many people wonder if there is a difference in the kind of work they do or the different law firms they have worked in. Most attorneys are of the wrong notion that working in big law firms is the only way to lead a successful legal career. They believe that only such large firms can help them achieve their goals.

But according to A. Harrison Barnes, owner of LegalAuthority.com, this is not the case. The difference between the successful lawyers and the unsuccessful one is not the law firm they are working in but in the realization of the passion that they possess which is the key to success. The law firms themselves make no difference. It is only the self realization of the key element that is within oneself. Most of the attorneys are not aware of the fact and thus end up making their legal careers complicated by changing organizations more often than required.

You must realize that you are in charge of your career. You can definitely seek advice but the final decision is yours alone. You need to decide for yourself which area of law would you like to enter and trust yourself with that decision say A. Harrison Barnes. Every decision which you take is like a stepping stone towards the future success of your legal career. These decisions are not easy to make. You need to plan in advance and then take it ahead step by step. You need to develop your skills with every assignment you take. Information and knowledge is the most potent weapon of any lawyer. Successful lawyers are those who are smart, focused, and open to feedback and those who have a desire to be better

To achieve success, you need to give in efforts, focus, intelligence, time and also some personal sacrifices to prepare a step by step plan that will lead you to success believes A. Harrison Barnes. Leading a balanced life is the dream of every lawyer. Success in your career will help you attain satisfaction and will help you lead the lifestyle you want.

A. Harrison Barnes is of the strong opinion that you need to realize the hidden potential within you. Having a clear aim is good, but to be successful, a lawyer needs to realize his strengths. These can be skill related in terms of specialization in a particular field like intellectual property which is in demand or can be related to the strengths of a lawyer. These can be his determination, intelligence, his network and so on. Successful lawyers often have a blend of both.

You need to realize your strengths, your weaknesses, your talents and skills. Sit down and do a self assessment. Locate your weak points and work on them. Once you know your strengths and skills and talents, you can combine it with purpose to achieve the goal you have set for yourself. You need to enjoy your work. It has been proved that attorneys who enjoy the particular kind of law they specialize in perform better. The reason is because they enjoy the work they do. It allows them to put in their maximum efforts into every case.

But A. Harrison Barnes feels that only having a purpose or a goal or an aim will not help you be successful. Your performance at work, achieving the billable hours, the rewards, your client relationships, your personal network, the compensation and benefit factor Are all very essential. But first you need to know what your core values are. Choose a mentor who can help you gain insight of your strengths. Often this very inner strength helps attorneys achieve the rest. Approach every opportunity with enthusiasm. Successful attorneys at the pinnacle of their career often have simply developed their inner skills to help them achieve their goals. They have constantly upgraded their skills and knowledge to match the growing needs and changing trends. They are smart and know exactly when to grab an opportunity. They know when to diversify and when to consolidate.

Success is relative. It can be achieved and defined in many ways. Monetary success, success in terms of name and stature, success in form of positions and designation are various such types. Some people perceive success as satisfaction and inner peace. It should be noted here that successful lawyers are a blend of both. They are skilled, know their strengths, have the lifestyle they want to lead and still show enthusiasm and dedication in their work.

This is the very reason why A. Harrison Barnes suggests that you should find your strengths and make the best use of them. To be successful in your legal career aim high, learn fast, never ignore your inner strength, and learn to enjoy your work. You will ultimately be successful in your legal career and achieve satisfaction as well.

But in a recent case the Appellate Division of the Superior Court examined the issue.Decedent’s joint account contained more than $300,000 at his death.  The surviving joint tenant liquidated the account.  The Estate sued, claiming the funds should be distributed in accordance with the Last Will and Testament.At the trial, decedent’s attorney appeared as the only witness for the Estate.  He recalled the joint tenant once told him the account was only for the convenience of paying decedent’s living expenses.  But there was also evidence that decedent intended any balance at his death would belong to the joint tenant. YOU BE THE JUDGE: To whom does the balance in a decedent’s joint bank account belong–the joint tenant on the account or the Estate?The trial judge reviewed a statutory test enacted by the Legislature in 2001; such a balance belongs to the joint tenant unless there is clear and convincing evidence that the decedent had a different intention at the time the account was created.The trial judge concluded the Estate had failed to present “clear and convincing” evidence that decedent intended the balance be distributed to anyone than the joint tenant.The Appellate Division affirmed.  It also noted that the Estate did not demonstrate that the joint tenant abused any confidential relationship with decedent or that he exerted undue influence over decedent’s decisions.The decision points out that a courtroom can bring justice and may be the only way to protect your rights. We know courtrooms; we have harnessed the power of the law in courtrooms to bring justice for our clients for decades. Please contact us to discuss how we can help you in a new lawsuit or provide a “second opinion” about your pending lawsuit. There is no obligation for the initial consultation. The New Jersey Law Firm and its attorneys are dedicated to client-driven results and protecting individual rights and business interests. For 40 years, the Law Firm has been recognized for sound legal judgment, immigration laws, real estate cases, litigation, contracts and advocacy in serving the transactional needs of both individual and business clients. If you need assistance with business or corporate formation and operations, or you seek legal advice about insurance defense, arbitrations, wrongful termination, discrimination, personal injury, environmental issues, bankruptcy, insurance, civil rights and other litigation alternatives, the Law Firm has the comprehensive experience, foresight, skills and talent to assist you to safeguard your assets, interest and investments. The New Jersey Law Firm’s highly devoted, motivated, experienced, skilled lawyers/attorneys and effective legal professionals are always there to assist you.

It’s extremely PAINFUL!!!! What can you do about it? Well Pain management refers to all different methods to reduce, decrease, prevent or even stopping pain in every part of the body. Pain itself is a sensation or feeling of certain discomfort and unpleasantness.

Pain can be as a result of physical(bodily) injury or recurring(chronic) illnesses. When pain occurs, it hampers your day to day activities, it can also limit your mobility, dampens ones spirit and your health will start to take a beating and make you feel worse.

As the book relates, pain can be either chronic or acute. Chronic(recurring) pain can lasts for weeks or sometimes even months. These types of pain are common in severe back aches, cancer and even due to degeneration of the nerves in the body. Acute pain is very common and can be attributed to injuries to specific body parts like cuts and sprains which will heal and the hurting would then stop.

The nervous system monitors and controls almost every organ system through a series of positive and negative feedback loops. The Central Nervous System (CNS) includes the brain and spinal cord which in turns have nerves which are connected through the peripheral nervous system. The nerves in any affected part of the body will send signals to the brain through many different receptors. Varying intensity of pain will signal your body to release the body’s natural pain killer(endorphins). If the pain still persists the part where the pain is coming from will suffer from inflammation(swelling). This will indicate to us we need stronger medication to subdue the pain.

Hence pain management can be a combination of various corrective/remedial procedures to fight the cause and relive such pain. This can consequently include both pharmacological and non-pharmacological treatment and surgery. The most important aim and factor of pain management is to identify the primary cause of pain and thus remove it from your system altogether.

Disclaimer

The advice contained in this material might not be suitable for everyone. The author presents the information only as an overview of a complex and evolving subject, based on information from sources which he believes to be reliable and from his own personal experience, but he neither implies nor intends any guarantee of accuracy. This artcile must not be considered or used for any type of therapy. Always consult qualified professional about all medical, legal and other critical matters. All readers must carefully investigate all aspects of any decision before committing themselves.

The author, publisher and distributors particularly disclaim any liability, loss, or risk taken by individuals who directly or indirectly act on the information contained herein. The author believes the advice presented here is sound, but readers cannot hold the author, publisher and distributors responsible for either the actions they take or the results of those actions. Medical information obtained in this ebook is not intended as a substitute for professional care. If you have or suspect you have a medical problem, you should consult a healthcare professional before trying different natural remedies for your pain.

Saddly, this is a very common problem that affects about half of all college students and prevents many others from going to college until they are 25. Even though you’re 18 and on your own, the government decided that you have to put your parent’s income on your FAFSA until you are 25 or married. The FAFSA is the federal application for financial aid that all accredited schools use. Without federal aid, you may have to work several jobs while going to school part time just to survive. Books and tuition are not cheap. and not everyone has the luxury of living with mom and dad. For the lucky few their are scholarships available, but they may only cover a portion of the total cost. Okay, here are a couple strategies to qualify for full financial aid.You may not agree with this, but the first strategy is to marry another student in the same situation to exclude your parent’s income from your FAFSA. Make sure the other student has very little income and get it annuled immediately if they cause any problems. Just remember this is a business arrangement, so don’t consumate the marriage. You can get married at the courthouse and keep your maiden name. No one has to know who or why. Annule it when you either graduate college or turn 25.The second strategy is to either get your parents or yourself a home-based business in order to take a loss and reduce your AGI or your parent’s adjust gross income. AGI is income minus losses. Adjusted gross income and funds available determine your EFC or expected family contribution. Usually an adjusted gross income in the 6K or less range will give you an EFC of O. The higher your EFC, the less financial aid you qualify for. Full time students with EFC’s of 0 always get full financial aid if they complete everything by their college’s priority deadline.Home-based businesses can be created based on one of your existing hobbies. Make it legal by getting a $15 state business license and a business license in your city if they require one. Make it ethical by making some kind of real effort like passing out a few business cards and talking to people. This does not mean you have to spend a lot of money. After three years your home-based business will be reclassified as a hobbie if you continue to take a loss, so you might consider getting a new business license. During that period you may have to do monthly, quaterly or annual reports. It’s as simple as a phone call if you have no income to report.Having a home-based business allows you to write off a lot of things that are legitament tax deductions. Do some research or get a pro to help you at tax time. H&R Block is not what I mean by a pro; you need someone that can help you plan ahead for the year and teach you enough so you know what records to keep and what qualifies as a deduction. Unfortunately, I thought that joining the military would solve my financial aid problem because I now have this thing called the GI Bill. The truth is that the GI Bill is worthless, because your college will reduce your financial aid by the same amount you receive from the GI Bill. So there is no educational benefit to joining the military, because everyone that needs financial aid qualifies for it.Working multiple jobs while you go to school can effect your grades and causes a lot of students to drop out. Low grades will make getting into a competitive program or an accredited grad school almost impossible. I strongly recommend that you get an Associate’s degree at a community college before going straight into a Bachelor’s degree program at a four year university because your tuition and books will be much lower at your community college and each year the amount of money you qualify for in student loans increases.

If you need an expert witness to help you in a lawsuit, this may interest you.In some lawsuits, it is necessary to rely upon the opinions of expert witnesses. Courts generally permit experts to testify if they are able to assist the jury in resolving certain factual issues.Precedent on this subject is well-established in the New Jersey Rules of Evidence and in many reported decisions of the New Jersey courts.Recently, the Appellate Division of the New Jersey Superior Court considered that precedent.The case involved injuries sustained when plaintiff was seriously injured while attempting an extreme jump on his new sport all-terrain vehicle (ATV). The owners manual warned against jumps. The vehicle also had warning labels on it, although jumps were not specifically mentioned on the labels.Plaintiff’s expert opined that the risk of injury from jumping was so great that the label should contained a specific admonition against the practice.The trial court granted summary judgment to the ATV manufacturer because the expert did not identify any factual basis for his opinion.The plaintiff appealed.YOU BE THE JUDGE: Isn’t an expert permitted to give his opinion to a jury without limitation?The Appellate Division affirmed the ruling of the trial judge in favor of the manufacturer. Without an adequate explanation of the factual basis, the expert’s conclusions were merely a “net” opinion and inadmissible. Lacking this element of proof, the plaintiff’s case could not succeed.The appellate court held that experts must be qualified by experience and/or education. Further, however, they must demonstrate that their opinion is not simply personal, but is a reliable standard acceptable in the field. In this case, the expert should have identified factual or statistical information about the risk associated with jumping so the magnitude of the risk could be objectively identified. Further the expert failed to give any governmental or industry standards which were allegedly violated by the warning label that was used.The decision points out that a courtroom can bring justice and may be the only way to protect your rights. Our Law Firm knows courtrooms; we have harnessed the power of the law in courtrooms to bring justice for our clients for decades in Alpine, Allendale, Ridgewood, Paramus, Upper Saddle River and throughout Bergen County, in Clifton, Ringwood, Passaic, Little Falls and elsewhere in Passaic County, in Bloomfield, Caldwell, Roseland, Cedar Grove, Belleville and throughout Essex County, in Berkeley Heights, Clark, Cranford and Elizabeth in Union County, in Whippany, Montville, Jefferson, Chatham and Parsippany and Mendham in Morris County, in Linden, Kenilworth, Plainfield and Cranford in Union County, in Atlantic Highlands, Belmar and Avon in Monmouth County, in Kearny, Bayonne, Union City and North Bergen in Hudson County, in Cranbury and New Brunswick in Middlesex County, in Hightstown, Hamilton Township, Annandale and Princeton in Mercer County and throughout the State of New Jersey, as well as New York city. Please contact us to discuss how we can help you in a new lawsuit or provide a “second opinion” about your pending lawsuit. There is no obligation for the initial consultation.The New Jersey Law Firm and its attorneys are dedicated to client-driven results and protecting individual rights and business interests. For 40 years, the Law Firm has been recognized for sound legal judgment, immigration laws, real estate cases, litigation, contracts and advocacy in serving the transactional needs of both individual and business clients. If you need assistance with business or corporate formation and operations, or you seek legal advice about insurance defense, arbitrations, wrongful termination, malpractice, discrimination, personal injury, environmental issues, bankruptcy, insurance, civil rights and other litigation alternatives, the Law Firm has the comprehensive experience, foresight, skills and talent to assist you to safeguard your assets, interest and investments. The New Jersey Law Firm’s highly devoted, motivated, experienced, skilled lawyers/attorneys and effective legal professionals are always there to assist you.

Getting debt management help can assist you when you feel you are drowning in debt. Many companies are available to give you assistance, however, you will need to choose the company wisely. Before you jump right in and choose a company, you will need to do some research. You already have a debt problem and you do not need to make a risky decision when looking for debt help. Since there are so many debt help companies available, you will find ones that require fees before working with you and you may find ones that will get started with basic background information. Here are a few things to look for when choosing a debt management company. 1. Begin with looking up the company’s information with the Better Business Bureau (BBB). See if there are any complaints filed or unresolved complaints onthe company. This will give you an idea of whether to proceed or not. Also check with your state’s Attorney General. Make sure the company does not have any legal troubles. You don’t want to fall victim to a scam company especially since you are already facing financial problems. 2. Once you have chosen a company, make sure the company is sending the payments to your creditors before stopping payments to them yourself. You are still required to pay your creditors and you want to be certain the debt management company is doing their job. 3. Always make sure you know where your money is going with the debt management company. Get reports for each transaction and always know the status of your debts. Debt management help can bring relief when your financial situation has gone unmanageable. If you are able to take control and manage your debt yourself, you can save money by not paying someone else to handle it for you.

In the previous two articles we discussed how top attorneys use a proven system to build powerful relationships with Strategic Referral Partners, like CPAs, financial planners, bankers, and other lawyers to market their law firm. We also covered several ways you can use the internet to market and grow your law practice.
In this third part of the series we will focus on ways to keep in touch with your clients to obtain repeat business and generate more and better referrals for your law firm.
The third strategy top attorneys use for law firm marketing is to stay connected with their current and former clients.
Law Firm Marketing Secret 3. Stay Connected With Current and Former Clients
After working with over 6,000 lawyers to help them build financially successful and personally satisfying law practices, I have found many of them do not have relationships with their clients. All they have is a series of transactions that they handled for their clients. A true client-attorney relationship is meaningful, long-term and influential. It is more than just handling their estate planning documents or filing a personal injury lawsuit for them.
To build a true relationship with your clients you need to stay connected with them. And since the best source of referrals is a satisfied client, you need to be sure your clients remember you when one of their friends or colleagues needs your help.
If you’re like most attorneys, you have helped hundreds of people over the years, so staying connected to them every 4-8 weeks can be an overwhelming task, unless you know how to leverage technology and automate the process.
Here are a few tips we recommend for building meaningful, influential, and long-term relationships with your clients:
* Use a database management program. Have your assistant enter their contact info into a database program like ACT!, Goldmine or Salesforce.com. Information is only as useful as it is accessible.
* Collect their email addresses. Add a place for their email addresses on your intake form.
* Send out a Keep In Touch letter to former clients thanking them for the opportunity to serve them.
* Conduct an Annual Client Satisfaction Survey (this is a good activity for the end of the year). Ask them what they liked most and least about your firm as well as what upcoming challenges you could assist them with.
* Offer them a special report or Top 10 Tips sheet and request they update their contact information.
* Send them practical, educational information every 4-6 weeks. Electronic newsletters, called e-zines, are the best way to stay connected. Make them short. Focus on informing, educating and adding value to your clients (do not turn this into a sales pitch). We recommend Constant Contact to manage your e-zine.
Be creative when thinking up ways to stay connected to your clients, but above all be consistent. A few months ago I used a business attorney to create an independent contractor’s agreement for me. He recently sent me a birthday card with a short handwritten note in it (I don’t even recall where he learned what my birthday was). I honestly had not even thought about him since the last time I hired him, but because he stayed in touch with the birthday card I immediately sent him another piece of work, creating an operating agreement for a new company I was starting. The first piece of business was for less than $3,000, but by the time this matter is finished it will be closer to $10,000 more. All because he stayed in touch!
Take a minute and write down 2 things you can do in the next 30 days to touch base with your top 10 clients.
In the fourth part of this series we will cover ways to create a Unique Competitive Advantage for your law practice, which answers the question, Why should I hire you versus your competition?

If you are not able to make you monthly payments properly then you will definitely face foreclosure, if it is a house or a business. Commercial foreclosure and home foreclosure are very similar, the only difference is that commercial closures amount to much more money, but the process is similar.

The commercial prosperous may take more than two years to complete or it might happen within two months.  It is very uncertain.

The process also changes in duration when comparing one state to another. This is owing to the fact that legal proceedings are different from one place to another. The best thing that you can do as a property owner is to prevent such a thing from ever happening to your property.

Even if the property becomes undesirable for you, it is advised that you do not give it up for foreclosure; it is always good that you give it some time to come into your hands and then put it out for sale. This is because selling is far easier when comparing the hassles involved in the property getting foreclosed.

Ways to find help

There are several assistances available for home foreclosure help. Though, these helps are limited to be availed by only a few qualified people. But it is not certain whether you may be eligible or not to lodge for home foreclosure help. The best place to look out for such helps is mortgaging companies or your bank.

Banks generally can refer you to many mortgage companies which provide such help. Never delay making a call or approaching such companies because you never know where you may get lucky and where you may be unlucky.  So do not waste precious time.

There are also a lot of different non-profit organizations out there that can help you avoid home foreclosure if you are truly in need of the help. While there are a lot of places out there that can help, not all of them will be able to so you want to make sure that you come up with an entire list of places to call.

If one says that they cannot help you avoid home foreclosure, then simply move on to the next place on the list. Eventually, with enough hard work and dedication to the cause, you will be able to avoid home foreclosure.

You will want to do a search according the state and county that you reside in so that you are getting the best possible list of places that may be able to offer you home foreclosure help.

Just get started with your search and you will be surprised at what you can come up with and you just may be able to get yourself back on track faster than you think.