Cowley Law Offices LLC Thu, 24 Nov 2022 02:56:00 +0000 en-US hourly 1 Cowley Law Offices LLC 32 32 Lawyer: New federal student loan debt rules allow some people to file for bankruptcy – WISH-TV | Indianapolis News | Indiana Weather forecast Thu, 24 Nov 2022 02:56:00 +0000

INDIANAPOLIS (WISH) — The U.S. Department of Justice recently issued new guidelines to make filing for bankruptcy easier for certain people with student loan debt.

The rule change applies to people with only federal student loans.

Mark Zuckerberg, an Indianapolis bankruptcy attorney, told News 8, “Before last week, if you wanted your student loans to disappear, you had to sue the student loan company saying, ‘S “please let me get rid of my student loans. Most people couldn’t afford this cost even if you did it pro se, on your own.”

To be eligible, individuals must declare their monthly income, debts and expenses on a government-provided certification form.

“They’ll kind of tell you, ‘Yes, we think you qualify’ (or) ‘No, we don’t think you qualify.’ That way someone doesn’t have to pay a lot of money with a lawyer whether they end up getting rid of it or not,” Zuckerberg said.

The Department of Justice will determine eligibility based on three criteria: the borrower’s current and future ability to pay and whether the borrower has made a good faith effort to repay their student loans. There is no age limit for people who can apply.

“This is really designed for people who owe way more than the $10,000. These are people who went to school and owe hundreds of thousands of dollars and they’re going to take that debt to their grave,” said Zuckerberg.

Even if all of a person’s debt is not forgiven, the government may release a portion of them after determining their eligibility.

4 tips for starting a business from home Wed, 23 Nov 2022 15:02:10 +0000

The potential for more autonomy, flexibility and income encourages more people to start their own business. According to statistics from the US Small Business Administration, 50% of small businesses are home-based, as well as 60.1% of businesses with no paid staff.

The Ultimate Guide to Starting a Profitable Home Business

However, to create a profitable home business, you need to create a clear strategy and plan wisely.

In this article, you’ll learn practical tips on how to start your home business and reach your full potential as an entrepreneur.

What is the basis of a home business?

Before we dive into home business, let’s discuss the basics. Home-based businesses have specific demands, including:

A dedicated workspace

You need home office space to successfully run your online business. When looking for a private space, answer the following questions:

  • Where would your ideal workspace be located?
  • Can you avoid distractions to stay focused?
  • Does your family support your home business?

Before you start your home business:

  1. Find a workspace where there are few distractions
  2. Make sure this location is quiet and not a space your family uses frequently.
  3. Make sure you have a stable internet connection and proper workstation setup.
  4. Inform your family of your work schedule to ensure you have dedicated time when you are not disturbed


To run your home business, you need to know what you want your home business to provide, have excellent management and organizational skills, and know how to market your product or service.

We recommend that you learn key terms such as competitive advantage, business return on investment (ROI), financial accounting, fixed costs, variable costs, and more. You can do your own research, read business-related books, watch videos, and grow your business online. Classes.

If you’re a beginner, you can dive deeper into the basics of business and marketing with Stephen Covey’s book The 7 Habits of Highly Effective People or Allan Dib The one-page marketing plan: get new customers, earn more money, and stand out from the crowd.

Try talking to real people who have been successful in entrepreneurship to learn more about potential pitfalls, hear their experiences, and ask for home business advice.

You can use this information to further develop your telecommuting business strategy.

Your business plan

There is no point in starting a home business without careful planning and a step-by-step strategy. In March 2021, only 80% of startups survived after one year of operation. To highlight your strengths, identify these key points for your business:

  • mission and vision
  • company goals
  • Value proposition
  • marketing needs
  • organizational structure
  • financial strategy

Planning will help you stick to your goals and move forward more effectively.

4 steps to start a business from home

Once you’ve found a suitable workspace, set up your work environment, and developed a business plan, you can start your home business.

#1 Comply with legal requirements

No matter what type of business you are starting, you need to obtain the required licenses and know your rights as a business owner. Follow these steps to ensure you comply with legal requirements:

Learn more about business licenses and permits

Depending on where you live and your type of practice, you may need to obtain a license or certificate. Depending on federal or state regulations, financial and legal consultants, for example, must obtain professional certification. To hire employees, you will need to obtain an Employer Identification Number (EIN) assigned to your business entity, which may be provided by the Internal Revenue Service (IRS).

If you are a US citizen and want to start a home business, check the legal requirements on the US Small Business Administration (SBA) website.

Determine your business structure

The home business structure you choose will come with regulations, taxes, and required legal documents. Your home-based business can be registered using one of two options:

  • individual business. Sole proprietors operate their businesses under a single legal name with all their bills and taxes tied to their social security number.
  • limited liability company (LLC). LLCs are hybrid entities that merge elements of an organization with a sole proprietorship or partnership.

Select your business name

Your legal business name can make your business memorable and help convey your business identity and values. You can search online for trade names registered with the United States Patent and Trademark Office and check domain availability. If you provide services in multiple states, also check your brand’s availability.

#2 Register your business

You do not need to register your business entity as a solo owner. However, if you are registering as a Limited Liability Company (LLC) or corporation, you must operate under a Doing Business As (DBA) name.

By law in most US states, a person can only do business under their own name if the DBA name is not registered. You can also contact your local Secretary of State for further guidance.

#3 Clarify your business operations

When you streamline your business operations, you’ll save time managing administrative and logistical tasks and be able to spend more time serving customers. You can write business operations manuals for finance, sales, marketing, customer management, service agreements, and more.

You should also consider which technology can help you:

● manage each task of your business processes

● Solve problems if they arise

● improve your time management

Describe your daily routine to create insight into your business processes. Here’s what your plan might look like if you were a consultant:

With careful preparation, you reduce the likelihood of unexpected problems and financial loss.

#4 Choose a tech stack

If you are self-employed, you have to perform several tasks simultaneously, such as managing customers, processing payments, providing services and organizing your schedule. That’s why it’s best to use technology to help you complete tedious tasks, reduce stress, and work more efficiently. For example, if you want to automate reservations, appointment scheduling software can help.

There are many software choices for any task. However, to eliminate app juggling and keep all your information in one safe place, it’s worth considering an all-in-one solution for your business. You can easily automate administrative tasks with the right technology, like ExpertBox, which allows you to do everything in one place: control and manage your schedule, provide your services, automate reservations, manage customers and documents and accept payments.

Advice for home businesses

If you choose the right service provider, you can achieve your business goals faster and give your customers the convenience and flexibility they crave.

Let’s look at some other tips on how to improve the financial side of your home business:

Manage your personal and business finances separately. This way you

simplify your bookkeeping and tax payments. You can also open a new bank account and get a new credit card specifically for your business.

  • Discover the most common tax deductions

Tax deductions can help you reduce your business expenses. Once a year, you can be reimbursed for your professional expenses. You can find out which expenses to document as deductions on the IRS Personal Tax Center website.

Home-based business owners could face risks, such as third-party claims, property damage, and other unforeseen events. Business insurance can prevent your home business from suffering major losses.

There are three insurance coverage options for home business owners:

  • the endorsement of a home insurance policy that extends coverage for a specific property or parts of it that ordinary insurance does not cover
  • a business owner’s insurance policy that covers business assets and income
  • a home-based business policy that provides more comprehensive coverage for businesses than a homeowner’s policy endorsement and depends on the insurance company

Final Thoughts

Running a home business requires your full attention and a lot of responsibility. However, if everything is set up correctly, you can increase your income and lead your home business to success. Remember that you can reach your full potential and streamline your business operations more easily with advanced technology.

Law Society of England and Wales: Iran must respect the human rights of lawyers – JURIST Wed, 23 Nov 2022 01:21:30 +0000

The Law Society of England and Wales on Tuesday called Iranian authorities to comply with international legal obligations to respect basic human rights. The appeal by Britain’s biggest lawyers governing body comes amid a rise in arbitrary arrests and detentions of lawyers in Iran over the past nationwide Mahsa Amini protests. It’s the second time the Law Society called on the Iranian authorities to respect the rule of law.

According to the Law Society, Iranian authorities have arrested 23 lawyers in the past month. The Law Society has expressed concern that once in custody, lawyers are mistreated. Lawyers have also been denied access to their clients, who are being held for participating in the Mahsa Amini protests. Law Society Vice President Nick Emmerson said: “The arrest and detention of these lawyers working to uphold the rule of law is of particular concern as it signals a further restriction of the right to legal representation. legal.

A recent JURIST Dispatch of Iran clarified that the independence of the bar in Iran is under serious threat due to threats and recently passed laws. Iranian judicial authorities have recently established a parallel organization to the Iranian Bar Association. This parallel organization allows “legal authorities [to] Easily suspend lawyers from practicing law.

Following these actions, the Law Society called on the Iranian authorities to immediately and unconditionally release all arbitrarily arrested and detained lawyers and human rights defenders and to ensure access to legal representation and fair trials.

The Office of the United Nations High Commissioner for Human Rights (OHCHR) on Tuesday echoes the Bar’s concerns. In a statement, the OHCHR condemned the Iranian authorities for failing to respect international human rights law, which requires “respect and [assurance of] the rights to peaceful assembly and freedom of expression.

In September, nationwide protests erupted following the death of Mahsa Amini, who was arrested by Iranian authorities for wearing an “inappropriate” hijab. Since the protests began, more than 300 people have been killed in 25 of Iran’s 31 provinces. Thousands of other protesters were arrested. Protesters now face a potential death sentences for their participation. UN experts sentenced these shares as well.

Review of “Lincoln’s Advocate” – The Vector Tue, 22 Nov 2022 02:32:57 +0000

This review contains spoilers.

The machinations of the Los Angeles justice system are clearer in Michael Haller’s rearview mirror. Haller is a defense attorney and the protagonist of Michael Connelly’s 2005 mystery novel “The Lincoln Lawyer.” Rather than a brick-and-mortar office, a Lincoln Town Car is the headquarters of Haller’s law firm.

This book is best described as the apex airport novel. On the surface, it has the same qualities as a sleazy, cheap paperback sold for a few dollars at Newark International Airport. Haller is a smart, quick-talking protagonist who is often able to navigate his way past all odds, and is a double divorcee to boot.

The reason I hate the airport genre, best exemplified by writers like Dan Brown, is that it’s so often oversimplified and sexist. A common trope is for the male protagonist to defeat villains alone, relying only on his own wits and perhaps brawn. The women in these novels only exist as romantic interests for the protagonist, and not a sentence passes without mentioning a part of their body.

More importantly, there are almost no gray areas. The protagonist is always right, while the antagonists are the personification of evil itself. These factors explain why I have never been able to read more than a few chapters of acclaimed airport books like “The Da Vinci Code”.

Still, my first hint that “The Lincoln Lawyer” is different should have come from Haller’s profession. He is a defense lawyer, not a prosecutor, and his motto is to introduce “reasonable doubt”. As a rule, it does not deal with absolutes, and neither does this book.

Haller is a low-level attorney living in Los Angeles, where his clients are mostly gang members, drug dealers, and sex workers. What struck me was the absolute accuracy with which Connelly wrote about these characters. The book does not excuse their actions, which include crimes like murder and theft, but explains the extremely harsh conditions in which they were raised to provide context.

Additionally, many of these clients are people of color, and “The Lincoln Lawyer” often references the racism and prejudice shown to them by the police department. Yet Connelly never celebrates or condemns these individuals, or even the Crown – his goal is to humanize them and make the public understand that they are just people. For a book written almost 20 years ago, this view seems remarkably nuanced.

Haller himself is also a very flawed individual, but Connelly makes him endearing rather than irritating by ditching stereotypes. Rather than being written as a womanizer — which, believe me, is an extremely common trope in this genre — Haller is still in love with his ex-wife and respectful of all the women in the novel. It’s a very low expectation, but not met by many books.

Additionally, he makes mistakes in his personal and professional commitments throughout the novel, mostly due to his inability to trust anyone else’s judgment. Many authors would think that independence is a strength, but Connelly shows that too much autonomy can be harmful.

The novel itself revolves around Haller’s first high-paying case in years. A wealthy real estate agent, Louis Roulet, claims he was assaulted and robbed by a sex worker while visiting his apartment. Meanwhile, sex worker Reggie Campo says Roulet broke in, sexually assaulted her and would have killed her if not for the help of his neighbors to subdue him.

Haller is hired by Roulet as a defense attorney and believes Roulet’s version of events is primarily due to inconsistencies with the victim’s story. However, Haller’s investigation reveals many problems with Roulet’s background. He remembers a former client named Jesus Menendez, who was convicted of a similar crime.

In the end, Haller realizes that Roulet is guilty and committed the crime that resulted in Menendez’s imprisonment. Meanwhile, Roulet threatens Haller’s friends and family if he reveals this information, leading to a high-stakes trial in which Haller is torn between his commitment to his client and the truth.

In many ways, “The Lincoln Lawyer” addresses universal fears. Haller is wracked with guilt after realizing his lack of trust has sentenced an innocent man to life in prison. A major theme is acknowledging the guilty and the innocent, just as the audience might struggle to distinguish between good and bad decisions.

Interestingly, the novel has no answer to this problem. While it’s not correct to rely on instinct alone, other viewpoints are often just as myopic. The only way to get through law and life, the book seems to say, is to get by with input from people you trust. The end of the case is bittersweet; although justice is done, it comes at a high cost.

I remember staying up all night reading this novel. Each character is painted so realistically, even though they’re only referenced for a few sentences. When Haller’s loved ones were in danger, I was also nervous for them. The book really feels like a dramatized account of the case of a real defense attorney.

Plus, there are a lot of humorous moments. Haller’s numerous attempts to get back into his ex-wife’s good graces are mild tension breakers. Haller is a somewhat absent father to his young daughter Hayley, due to his busy schedule; he spends much of the novel trying to spend time with her, including awkward parent-teacher events.

“The Lincoln Lawyer” can’t be classified as high literature, but it’s one of the most entertaining books I’ve read in recent months. I don’t like buying books until I’ve read them at least once, to find out if a novel has re-reading value. I will be traveling this holiday season and will definitely take this book to read on the trip there and back.

The novel also inspired a Netflix movie and limited series, which I haven’t watched. However, if you don’t like to read, I recommend watching them, at least for the gripping storyline. As for the book itself, it’s the perfect travel novel, on par with anything in its genre. I rate it five crabs out of five!

AG Nessel joins multi-state effort urging DEA to expand telehealth capabilities for treatment of opioid use disorder Mon, 21 Nov 2022 15:24:42 +0000

LANSING – Michigan Attorney General Dana Nessel joins Florida Attorney General Ashley Moody, North Carolina Attorney General Josh Stein and 42 other attorneys general in urging the Drug Enforcement Administration and Substance Abuse and Mental Health Services Administration (SAMHSA) to permanently expand telehealth flexibilities for prescribing buprenorphine. , a treatment for opioid use disorder. Buprenorphine is one of three drugs approved by the Food and Drug Administration (FDA) to treat patients suffering from addiction. During the COVID-19 pandemic, the FDA allowed physicians to use telehealth services to prescribe the drug, but the rule allowing virtual prescribing of buprenorphine is set to expire once the COVID-19 public health emergency ends.

The United States is in the grip of an opioid crisis, with more than 75,000 Americans overdosing on these substances in the last year alone. State attorneys general are on the front lines fighting the crisis to protect Americans from deadly synthetic opioids like fentanyl. Prohibition efforts alone will not be enough to end the crisis; therefore, the Attorneys General are asking that this treatment remain readily available to those who need it.

“Responding to the opioid crisis during the pandemic has required healthcare providers to be flexible in their treatment and prescribing options.” Nessel said. “Many of those struggling with opioid use disorder reside a great distance from the nearest provider. The effects of this ongoing public health crisis have been too great not to extend this necessary flexibility in the use of telehealth services. I am proud to join my colleagues in calling on the DEA and SAMHSA to allow providers to permanently waive the requirement of an in-person visit before prescribing buprenorphine for a use disorder. of opioids.

As a condition of the COVID-19 public health emergency, in March 2020 the DEA authorized audiovisual telemedicine services to prescribe all Schedule II-V controlled substances, including buprenorphine. Without the proposed permanent extension, the current expiration of the public health emergency could cut off an estimated 2.5 million American adults who use treatment for opioid use disorders.

In a letter to DEA and SAMHSA officials, led by Attorney General Moody and Attorney General Stein, the attorneys general stress how critical existing flexibilities are in connecting people with drug use disorders of opioids to care. The attorneys general say: “The number of patients receiving buprenorphine as treatment…increased significantly when telehealth flexibilities were allowed…it also improved retention in care and reduced the risk of overdose for those to whom buprenorphine has been prescribed via telehealth for the treatment of opioid use disorder.

The current allocation for telehealth services also expands access to buprenorphine to patients who may have previously struggled to receive the drug. The attorneys general say: “An estimated 28 million Americans live more than 10 miles away and about 3 million live more than 30 miles from a buprenorphine supplier. Today, the delivery of care for buprenorphine treatment has shifted significantly to telehealth, making it more accessible than ever for individuals to access the treatment they need.

The attorneys general of the following states and territories signed the letter led by Florida and North Carolina: Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Guam, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky. , Louisiana, Maine, Massachusetts, Minnesota, Mississippi, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, South Dakota, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming.

To read the full letter, click here.


Best LLC Formation Services in Florida (FL) 2022: Reviewed and Ranked Mon, 21 Nov 2022 07:09:53 +0000

If you want to start an LLC in Florida, partnering with an online business formation service is usually the easiest way to do it. Florida LLC Services will handle the most difficult parts of the process on your behalf. Many can also help you with registered agent services, articles of organization, setting up an operating agreement, and providing other types of support for your business entity.

Don’t worry if you are unfamiliar with the LLC formation services industry. We have what you need. Keep reading to find the best Florida LLC formation service options and to learn what separates them from each other.

Read more: Best Florida Registered Agents

Best LLC Services in Florida 2022

North West

Northwest Registered Agent

  • Affordable
  • Great customer service
  • Useful online resources


  • Affordable
  • Easy to use
  • Many online tools
Custom Brand Review
  • Tons of business and marketing tools
  • Useful integrations with other products
  • Can help you get your website started

zen business

  • Customer service after hours
  • Can help with taxes and accounting
  • Good reviews
Legal mentionsZoom

Legal mentionszoom

  • Industry leading reputation
  • Many ongoing legal services
  • Excellent customer support team

Best LLC Services in Florida November 2022

Best LLC Services in Florida

Northwest Registered Agent

Northwest is our top pick overall thanks to its affordable LLC and registered agent service with great features.

  • Affordable
  • Great customer service
  • Useful online resources
  • Lacks some premium services

When you choose Northwest, you get training services from Florida LLC that takes care of everything for you so you can focus on running your business. The company also has a terrific registered agent service that can ensure you stay in good standing with the Florida Secretary of State.

If you’re looking for the best Florida LLC service, you can’t go wrong with Northwest. The only potential downside is that some of the premium registered agent service options you might want for your LLC may not be available.


IncFile is a very affordable LLC formation service that can help you set up your division in Florida faster.

  • Affordable
  • Easy to use
  • Many online tools
  • Customer support can be hit or miss

IncFile is a good LLC service for your Florida business if you are looking to spend as little as possible when setting up your Florida LLC. The company will also offer you free registered agent service for one year if you choose them.

From helping with LLC naming rules and business insurance to working with you on personal income tax and protecting your personal assets from seizure, IncFile can be a one-stop-shop for all services. complete information you need during the business creation process.


Tailor Brands is a service provider that offers help with logo design, marketing your business, and even getting your website started.

  • Tons of business and marketing tools
  • Useful integrations with other products
  • Can help you get your website started
  • More expensive than other options

Tailor Brands may be the best overall LLC service for your purposes if your business also needs help with marketing and website building. He can help you set up your LLC online, process your Florida filing fees, then create a logo and website to share them on.

Tailor Brands offers a ton of business guides, LLC cost data points, and additional services that will help you as a business owner beyond the basic LLC training packages – including setting up with registered agents in Florida. However, the company’s customer service isn’t the best and it’s more expensive than other options.


ZenBusiness has positive customer reviews, excellent customer service, and can help you with more than your LLC operating agreement and annual reports.

  • Customer service after hours
  • Can help with taxes and accounting
  • Good reviews
  • Has no national reputation

ZenBusiness is the only option on our list for providing quality after-hours customer support to LLC owners in Florida. The company also has an excellent registered agent service and can help your Florida LLC with accounting and taxes, among other services.

The only real downside to choosing this provider for your LLC in Florida is that ZenBusiness doesn’t have the same strong national reputation as many of its competitors.

Legal mentionszoom

LegalZoom has an industry-leading reputation and offers a wide variety of Florida LLC services and registered agents to choose from – each backed by excellent customer support.

  • Industry leading reputation
  • Many ongoing legal services
  • Excellent customer support team
  • May be more expensive than other options

If you are looking for registered agent services, LLC services, and other types of business and legal assistance for your Florida division, then LegalZoom might be your best bet. The company offers a wide variety of ongoing legal and business support options in addition to excellent LLC formation services and quality registered agent service.

The main disadvantage of choosing this Florida registered agent service for your LLC formation documents and essential LLC services is that it is more expensive than other Florida LLC formation options.

What is a Service LLC in Florida?

An LLC formation company is a company that helps new businesses in the state of Florida become LLCs. They work with you to complete your articles of incorporation, enter into an operating agreement, and often help you set up registered agent services in Florida.

Many of the Florida LLC providers on our list will even offer you free registered agent services for a year if you choose them to help you with your operating agreement and LLC formation process.

How much does LLC service in Florida cost?

It usually costs between $50 and $199 to hire one of Florida LLC’s top vendors. The exact amount depends on the business you select and whether you also want help with things like unemployment insurance tax, Florida articles of incorporation, and setting up your business name or business number. employer identification.

How to Start an LLC in Florida

There are two different ways to start an LLC in Florida. One option is to do it all yourself. But it can be complicated, and you risk delaying the process by making mistakes. Most business owners will find it easier to hire an LLC formation service.

Starting an LLC through one of these services is quite simple and looks like this:

  • Choose a supplier
  • Visit their website and select the LLC formation package you want
  • Decide if you want to be your own registered agent or hire their registered agent service during normal business hours for a fee
  • Fill out the papers they give you
  • Wait 3-4 weeks for it to be processed by your secretary of state

That’s it! They will give you a sample operating agreement and a Florida registered agent if you also want to make the process easier when you need to set up an annual report or business bank account in the future.

Final Thoughts

Hiring an LLC formation service makes it easy to turn your business idea into a registered corporation in the state of Florida. Northwest is our top pick overall thanks to its affordability and excellent customer support team.

However, you can also check out IncFile for an extremely affordable option or Tailor Brands if you also want help marketing your business or starting a website in addition to a Florida registered agent and report assistance. annual.

Ultimately, any of the options on our list may be suitable for your utility company or business address. It just depends on which features you value the most.

Frequently Asked Questions (FAQs)

What is an LLC Formation Service?

An LLC formation company helps you set up your business as a limited liability company in the state of Florida. Many also offer additional services.

How much does it cost to start an LLC in Florida?

It usually costs between $50 and $199 to start your LLC. But this figure may not include state fees. State fees may be added to your overall price.

Can I set up an LLC on my own in Florida?

Yes, you can do all of this work on your own, but it can be complicated, you might make mistakes, and it can delay the LLC formation process or increase your state fees.

Five steps to take if you are injured in a car accident – InsuranceNewsNet Sun, 20 Nov 2022 20:02:51 +0000

Your health and car insurance contracts probably require you to cooperate with your insurance company. After any accident, promptly notify your auto insurance agent of the accident. Provide health insurance information to referring physicians.

Accept interviews and other reasonable requests from these insurers. If you don’t report an accident to your insurer promptly and cooperate with them, you may not be covered for the accident.

Step 3: Do not make a statement to the opposing insurance company.

The other driver’s adjuster might call you a few days after the accident to ask about it. Do not give this person an interview.

Cooperating with the other drivers’ insurer at this stage will not help you. You may still be on medication as the adjuster asks detailed questions about the accident.

You may give inaccurate estimates of important matters such as time, speed, and distance. Your estimates will then be used against you.

If the other driver’s insurer calls you, respectfully decline to answer any questions. Tell the expert you’ll call them when you feel up to it.

This won’t harm your request and assures you that you won’t talk until you feel well enough (and possibly not until you’ve seen a lawyer — see step 5 below).

Step 4: Don’t settle the personal injury case until you’re healed.

Insurers generally require a release in exchange for payment for liability claims. Don’t settle with the other driver’s insurer until you’ve reached maximum medical improvement (MMI). In other words, wait until your accident symptoms are gone or until doctors tell you that your condition is unlikely to improve.

If you settle with the civil liability insurer and your condition worsens, you will not receive additional compensation if you have signed a receipt.

So wait until you have healed as much as possible before settling down. It can take a year or more. Usually, this doesn’t cause legal problems because statutes of limitations for negligence claims usually give you three years to sue (except for deaths in car accidents and claims against government entities).

Step 5: Hire a lawyer if you are unfamiliar with insurance and subrogation.

No law requires you to hire an attorney to help you with a personal injury claim. Many people settle their claims without a lawyer. This requires some understanding of subrogation (the obligation to reimburse health and disability insurers who have paid money to you or for you due to an accident). In simple cases with minor injuries that go away completely after minor medical bills, a lawyer might not add value to the claim.

However, when there is a significant injury with possible permanence and the medical bills are significant, a lawyer will generally add value and relieve the injured party of the burden of the claims process.

If you hire a lawyer, do it early. It usually doesn’t cost extra to hire an attorney early, as most personal injury attorneys accept a percentage of the recovery as fees. There’s value in the peace of mind that comes with an attorney who knows insurance and provides good advice to maximize your compensation.

Robert J. Kasieta is the founder and managing member of Kasieta Legal Group, LLCin Madison. His practice focuses on civil litigation, personal injury, civil rights, discrimination, business law and employment law. He is a member of the State Bar of Wisconsin Attorneys Referral and Information Service, which connects residents with attorneys across the state. Learn more about

Know Your Legal Rights is a bimonthly column distributed by the Wisconsin State Bar. It is written by members of the Wisconsin State Bar Lawyer referral and information service (LRIS), which connects Wisconsin residents with attorneys throughout the state. Learn more about

Moberly, MO – Madison Ellis and Brett Ellis transported to MRMC after crash on JJ Road Sat, 19 Nov 2022 17:40:41 +0000

Moberly, Missouri (November 19, 2022) – A man and woman were both transported to area hospitals following an accident Friday night in Randolph County. Just before 4:30 p.m. on November 18, Missouri State Highway Patrol troops responded to an accident on JJ Highway.

According to reports, a 2008 Dodge Caravan and a 2006 Jeep Liberty collided on JJ Highway just two miles west of Moberly, Missouri. Both vehicles were badly damaged in the accident. Missouri State Highway Patrol responded to the scene with assistance from the Randolph County Sheriff’s Office and the Western Volunteer Fire Department.

Two victims in the crash, Madison Ellis, 21, and Brett Ellis, 23, both of Huntsville, Missouri, were injured. Both victims were transported by Randolph County ambulance to Moberly Regional Medical Center, where they were treated.

The accident is currently under investigation.

We hope that Madison Ellis and Brett Ellis recover quickly from this accident.

car accidents in missouri

A traffic accident can change your life instantly. Unfortunately, the consequences victims are forced to endure are often long-lasting. Many people end up with debilitating injuries that force them out of work forever. Injuries such as spinal cord injury, traumatic brain injury, and even damage to internal organs can all require extensive care.

Unfortunately, the majority of accidents that occur in the state of Missouri are preventable. In fact, statistics show that almost 4 out of 5 accidents are due to driver error.

One of the most common and dangerous driving behaviors is running red lights. Every day, countless drivers cross intersections without stopping, increasing their risk of hitting another vehicle. This aggressive behavior endangers other drivers and pedestrians and often leads to serious accidents.

Failing to yield is another major cause of car accidents. When turning, all drivers are required to yield to oncoming traffic. But many drivers don’t, often because they’re in a rush or can’t see oncoming traffic. This can lead to serious accidents.

Speed ​​is also an important factor in car accidents. Drivers who exceed the posted speed limit are more likely to lose control of their vehicle and are less likely to be able to stop in time if an obstacle suddenly appears in their path. Crashes involving speeding are also more likely to result in serious injury to those involved.

If you have been injured in an accident caused by the negligence or recklessness of another driver, a Moberly car accident lawyer can help you claim financial compensation for the damages you suffer.

Our personal injury attorneys at Peterson & Associates, PC can help you seek financial compensation for the damages you suffer. Our team will fight to ensure that you are able to hold accountable the negligent driver responsible for your accident. Schedule a free consultation with our personal injury attorneys today to get started. Our law firm is available by calling 816-888-8888.

To note: Our team of writers used secondary sources in creating this accident post. For this reason, the details regarding this accident have not been independently verified and verified by our editorial team. If you find any information that is not accurate, please let us know immediately so that we can update the post to reflect the most accurate information available. If you would like the post removed from our site, please let us know and we will do our best to remove it completely.

Disclaimer: As a respected member of the Kansas City, Missouri business community, Peterson & Associates, PC is always striving to increase security and ensure the overall safety of all Missouri residents. We hope that by making people aware of the dangers associated with driving, people will exercise greater caution when operating a motor vehicle and avoid being injured in a serious accident. This message is not intended to be a commercial solicitation. This message should not be construed as medical or legal advice. The photos shown in this article are not representative of the actual scene of the accident.

Attorney General Garland appoints special counsel in Trump investigations Fri, 18 Nov 2022 19:55:19 +0000

Attorney General Merrick Garland has appointed a special counsel to oversee Justice Department investigations of Donald Trump just days after the former president announced his intention to run for the job again in 2024.

Garland said Jack Smith, a longtime prosecutor and current war crimes investigator, would lead two investigations, one into the mishandling of sensitive government records at Mar-a-Lago, as well as aspects of its Jan. 6 investigation covering “whether any person or entity unlawfully obstructed the transfer of power.”

Garland directly pointed to Trump’s announcement and a rematch with President Biden among the “extraordinary circumstances” that warrant such a nomination.

“Based on recent developments, including the former president’s announcement that he is a candidate for the presidency in the upcoming elections and the incumbent president’s stated intention to also be a candidate, I have concluded that ‘It is in the public interest to appoint a special adviser,’ Garland said.

“Such an appointment underscores the department’s commitment to independence and accountability in particularly sensitive files.

The move is sure to surprise legal observers, many of whom have been vocal in suggesting it would do little to benefit the Justice Department.

It also comes after Trump pointed the finger at the Justice Department at his campaign launch, complaining “I am a victim” and listing the FBI as one of the “greatest threats to our civilization”.

“Nothing is greater than the militarization of the system, the FBI or the DOJ. We need to do a top-down overhaul to clean up the festering stems and corruption from Washington, DC,” he said.

“The journey ahead of us will not be easy,” Trump added. “Anyone who truly seeks to tackle this rigged and corrupt system will face a firestorm that only a few could understand.”

Updated at 2:41 p.m.

GoTo lays off 1,300 people, or 12% of Indonesian tech giant’s workforce Fri, 18 Nov 2022 07:17:58 +0000

A GoTo logo displayed on a smartphone screen and in the background.

Raphael Henrique | Sopa Pictures | Light flare | Getty Images

Indonesian tech giant GoTo Group said on Friday it was laying off 1,300 people, or about 12% of its total workforce.

GoTo is the merged entity of ridesharing company Gojek and online marketplace Tokopedia.

investment related news

Fed ‘pivot’ is dead, says strategist, who shares where to invest right now

The company announced on Friday “a workforce reduction that will unfortunately affect 1,300 people, or approximately 12% of employees, across the GoTo Group.”

Earlier reports from local and foreign media said GoTo, which went public on the Indonesia Stock Exchange in April 2022, planned to cut 10% of its total workforce amid economic headwinds.

“Given the challenging global macroeconomic conditions that are having a significant impact on businesses around the world, the company, like other prudent companies, is making adjustments to ensure it can navigate the uncertain road ahead. “, reads the press release.

GoTo said it needed to “accelerate its progress to become a truly sustainable, financially independent company, focused on its core offerings of on-demand services, e-commerce and fintech.”

In their respective quarterly earnings announcements this week, Sea Limited cited macro uncertainties such as rising interest rates and global inflation rates affecting its business and Grab said it was monitoring macro uncertainties and initiated cost reductions.

GoTo’s cutback exercise follows local media reports that Sea Limited has laid off more than 7,000 employees, or around 10% of its workforce, in the past six months.

Indonesian tech giant GoTo has more to offer the country's growing digital economy: venture capital firm

GoTo joins other Southeast Asia-based companies that have laid off workers this year.

These include Foodpanda, Carsome and Propzy, which have confirmed to the media that they have laid off some workers this year. Propzy said it has laid off up to 50% of its employees.

“At the end of the second quarter, approximately 800 billion [Indonesian rupiah] structural cost savings were achieved in areas such as technology, marketing and outsourcing,” the company said. This equates to approximately $50.9 billion.

“However, to continue to navigate amid increasingly difficult global economic conditions, the company must focus on issues that are within its control.”

Learn more about technology and crypto from CNBC Pro

The compression plan will not be detrimental to the continuity of the company’s activities and “constitutes a strategic effort to ensure that it can continue to have a positive impact on millions of consumers, driver-partners and merchants within the GoTo ecosystem through healthy and sustainable growth,” he said.

Shares of GoTo were trading at IDR 220 apiece, up 2.8% on Friday. The stock has fallen 42.4% since the start of the year.

GoTo is expected to announce its third quarter 2022 results on Monday.

GoTo CEO discusses company listing plans