Tag Archives: Weighs

Maine Social Safety Disability Attorney Joe Bornstein Weighs In On Programs Financial Difficulties

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Portland, ME (PRWEB) June 27, 2013

With attainable spending budget cuts threatening disability positive aspects, Maine Social Security disability benefits lawyer Joe Bornstein these days said its a lot more crucial than ever to obtain assist from a qualified law firm when applying for help.

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According to a Could 30 article in CNN Cash titled Federal Disability Trust Fund on the Brink, the Social Security Disability Insurance system is forecast to run out of funds in three years. The report states that revenues coming in would only be enough to cover about 80 percent of the payments due to the disabled and their families.

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Weve been following this story closely, and we inform men and women who make contact with us about applying for positive aspects that they should not give up hope. An attorney can support them get through a challenging method, said Bornstein, whose firm assists individuals in Maine needing support applying for Social Security disability or attractive denied claims. We know millions of American workers who rely on the program are worried. Its also troubling news for applicants whose applications could face much more scrutiny than ever. Thats why its smart to receive representation from an attorney who can aid file an application and make certain no blunders are made. If you need to have assist appealing a denied claim, you need to take into account legal assist.

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Bornstein added that the method of applying for SSDI advantages can be tough, specifically for individuals coping with a health-related situation. By contacting an seasoned Social Safety disability lawyer in Maine, you can have peace of mind being aware of that your representative is handling the claim and making certain it is accurate, comprehensive and filed in a timely manner.

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While economic troubles are looming, the CNN Money report states that there are approaches to extend the life of the disability system. Lawmakers are looking at various options, according to the report.

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In the meantime, the demand for advantages has been on the rise over the previous many years. Today, practically 11 million individuals collect disability benefits, up from eight.7 million in April 2007, according to CNN Income.

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According to the article, the aging U.S. population has resulted in more individuals applying for rewards, as they enter their 50s and face a host of medical circumstances.

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We know that several Mainers as effectively as men and women across the nation who are facing disabilities and other health-related situations are going through hard occasions, Bornstein stated. We are here to assist. Our firm delivers a free of charge consultation. We can talk about your alternatives and aid you steer clear of confusion more than your claim.

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Bornstein mentioned a disability lawyer can support with vital methods such as the application process and representing a claimant at a hearing just before an administrative judge.

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Numerous claims are denied at the initial stage, but frequently get approved soon after additional evaluation, Bornstein said. In several cases, the applicants who dont give up and in the end get rewards can say a knowledgeable disability attorney helped make a distinction.

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About the Law Offices of Joe Bornstein&#13

Established in 1974, the Law Offices of Joe Bornstein has helped much more than 19,000 Mainers collect much more than $ 200 million in settlements and advantages. This full-service, private injury law firm has six offices in Maine: Portland, Augusta, Bangor, Biddeford, Lewiston and Sanford. Our specialties consist of auto accidents, motorcycle accidents, truck accidents, Social Safety disability cases, healthcare malpractice, wrongful death and dangerous drugs. Our attorneys perform on a contingency fee basis. As a result, consumers only pay for services if they win. &#13

The principal workplace for the Law Offices of Joe Bornstein is positioned at five Moulton St., Portland, ME 04101. To schedule a totally free case evaluation or for a lot more information, contact (877) 294-6813 or visit our internet site at http://www.joebornstein.com/

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Creating Properties Affordable Expiration Date Pushed Back Via 2015 LoanLove.com Weighs In On How This Will Have an effect on Struggling Homeowners

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San Diego, CA (PRWEB) June 30, 2013

LoanLove.com has a mission to support buyers and borrowers alike in getting the most recent details on mortgage lending trends, the actual-estate market and the U.S. economic landscape for the purpose of helping them receive a property loan they adore. The group at LoanLove.com is devoted to aid empower each very first time and knowledgeable property owners with useful resources, first-class expertise and connections to leading-rated business specialists. To fulfill this goal LoanLove.com is continually updating their website with new articles and guides. A new write-up on LoanLove.com testimonials how the lately announced Producing Properties Reasonably priced expiration date extension through 2015 will benefit homeowners who are facing foreclosure.

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The announcement of the extension of the Making Homes Cost-effective initiative is wonderful news for millions of struggling property owners who qualify for the Residence Affordable Modification Plan (HAMP) but who have not yet had the chance to do so or basically have been unsure about all the HAMP plan details.

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LoanLove.com says: The Obama administration has announced a HAMP extension for two extra years, by means of 2015. It will be extending its hallmark Generating Home Reasonably priced (MHA) initiative until the finish of 2015, hoping the extension will allow more homeowners to take benefit of loan modifications which can support them steer clear of foreclosure. Instantly following the statement by the administration, the Federal Housing Finance Authority (FHFA) directed mortgage underwriters Fannie Mae and Freddie Mac to continue aiding homeowners through the governments well-known House Affordable Modification Program (HAMP) throughout the extension period.

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As stated in the quote above, the extension will aid many far more home owners to benefit from the system, which was initially projected to supply help to as many as three million to four million property owners, but so far only about 1.1 million homeowners have taken benefit of the system. Partially to blame for this lack of participation is the reality that the original HAMP qualification specifications have been as well cumbersome and demanding for homeowners. Also, home loan modification can be a complex method driven mostly by the lender, which has resulted in some property owners not getting fair remedy. Even so each these troubles can be avoided the needs are now considerably much more streamlined and homeowners can have an independent analysis of their loan accomplished with the REST Report in order to avoid any errors.

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General, the extension is wonderful news for property owners who are struggling to ward off foreclosure and stay in their residences. In a statement relating to the extension, Treasury Secretary Jack Lew stated the extension supplies vital relief to homeowners nonetheless facing important financial troubles. He says: The housing industry is gaining steam, but several property owners are still struggling. Extending the system for two years will benefit many extra families whilst preserving clear requirements and accountability for an crucial part of the mortgage sector.

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For a lot more information on the recent Home Cost-effective Modification System extension and for other articles, information, on the web resources and interactive mortgage tools that can assist borrowers to find house loans for their exclusive economic and mortgage circumstance, please pay a visit to LoanLove.com.

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July 4th Reported as Deadliest Day for Auto Accidents Distinguished Motorcycle Accident Injury Lawyer Jeff Nadrich Weighs In

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Los Angeles, CA (PRWEB) July 04, 2013

In recent years, the Fourth of July has ranked as the most significant day for auto accidents, as outlined in a current ABC News report. According to the report, which cites data from the Insurance coverage Institute for Highway Safety, an average of 148 folks died in automotive crashes on July 4th, in between the years 2004 and 2008. No other day averages this several accidents. Motorcycle accident lawyer Jeff Nadrich has been observing the trends, and is urging motorcyclists everywhere to be cautious.

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According to the ABC report, the typical day sees an average of 114 targeted traffic deaths. After July 4th, the second and third deadliest days for drivers are August 3rd and July 15th, each of which see an typical of 143 fatalities. Trailing closely behind is New Year’s Day, with 140 site visitors deaths. The ABC article notes that July 4th is also the biggest day of the year for DUI-associated accidents.

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Motorcycle accident injury attorney Jeff Nadrich believes that these numbers are specifically significant for motorcycle riders. According to Nadrich, Though there are far fewer motorcyclists on the road, they are 35 times far more most likely to be involved in a fatal accident, according to numbers from the National Highway Visitors Security Administration. That’s why it really is so important for motorcyclists to be additional vigilant this July 4th.

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Nadrich urges anyone who has been in a motorcycle accident to speak to a qualified motorcycle accident injury attorney appropriate away. According to Nadrich, Motorcyclists usually have the most to shed on the roadways, and a certified lawyer can assist you establish the best legal course of action in the occasion of an accident.

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About Nadrich &amp Cohen: Jeffrey Nadrich is a motorcycle accident injury attorney with Nadrich &amp Cohen, a California based law firm with offices in 18 locations across the state. Nadrich &amp Cohen handles all sorts of wrongful death and significant injury accident instances. Victims are encouraged to get in touch with 1-800-718-4658 for a totally free consultation with a Nadrich &amp Cohen attorney.

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Sources:

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ABC News: July four – The Deadliest Day on the Highway July two, 2013

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National Highway Traffic Security Administration: Visitors Safety Information 2007 Data

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Kramer & Kaslow Attorney Philip A. Kramer Weighs in on Government Loan Modification Controversy

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Calabasas, CA (PRWEB) April 30, 2011

Whilst no imminent legislation is in sight, the California Democratic Congressional Delegation did send a letter to Attorney Basic Eric Holder that concludes amongst other things, Its clear that even soon after promising to operate with borrowers, and getting government incentives to do so, economic institutions are simply stringing the American individuals along. Right after reviewing thousands of complaints from our constituents, it appears that we arent dealing with isolated incidents and that a pattern of misconduct and obstruction is present.

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When asked for a comment about the report, noted lawyer Philip Kramer explained, The technique as it is set up now merely does not operate. There is no accountability. There are no significant rewards or punishments. The lenders have each and every incentive to fall short. They do not disappoint in this regard.

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Offered the scope of the problem, it appears likely that something is going to have to be accomplished to address the circumstance, but legislators are locked in partisan battle, and it appears most likely that for the time being home owners in problems are going to have to struggle with the banks or seek redress in the courts.

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Its an unfortunate scenario, Philip Kramer comments, But I dont see something changing for the far better any time soon.

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http://lofgren.property.gov/index.php?choice=com_content material&amptask=view&ampid=605&ampItemid=89

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Office of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes industrial litigation and trial advocacy, with a concentration on company litigation, and genuine home matters. He has prosecuted and defended instances for more than twenty 5 years.

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Mr. Kramer is a licensed true estate broker and has spent considerable time offering legal services in connection with real estate troubles relating to loan modification and loss mitigation, land use and zoning, environmental concerns, easements, construction and development, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice before all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has attempted in excess of 200 situations. He has appeared on nationally televised applications with regards to pre-trial procedure and trial approach and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer frequently lectures on a broad spectrum of a variety of legal and organization troubles.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization committed to bringing professionalism and civility back into the legal profession. He also serves on quite a few Boards of Directors and serves as an officer in many companies. For a lot more data get in touch with (818) 224-3900 or pay a visit to http://kramer-kaslow.com

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Law Offices of Kramer & Kaslow — Noted Litigator Philip Kramer Weighs in on Lately Announced Banking Market Settlement

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Calabasas, CA (PRWEB) May 31, 2011

According to consolidated plaintive litigation lawyer Philip Kramer, the recently announced settlement between the banking business and the government, may just turn out to be much better for homeowners, as extended as the bank is not let off the hook. The settlement, as reported by the LA Occasions (http://www.latimes.com/company/realestate/la-fi-mortgage-deal-20110413,,2152407.story), is component of the consent orders issued by the U.S. Department of the Treasury, Comptroller of the Currency, was announced earlier this month with the nations twenty largest lenders.

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“Not every person is happy,” says Philip Kramer. “The bank regulators have been criticized for failing to quit unsafe lending throughout the housing boom and for pre-empting state attempts to rein in predatory lending. The settlement drew instant criticism from customer advocates and members of Congress who mentioned the new measures did not go far enough.”

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According to the LA Occasions post, “These consent orders are worse than doing nothing,” stated Alys Cohen, staff attorney for the National Consumer Law Center. “They set the bar so low on some factors and they give the banks carte blanche on others. And they give the look of undertaking anything although providing banks handle of the approach.”

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Philip Kramer, an lawyer who has led a series of consolidated plaintive litigation lawsuits alleging several of these practices and more agrees that the settlement doesnt go far sufficient. For me, the most significant problem with the settlement is that it continues the economic sector practice of letting the business police itself, says Kramer. And the remedies suggested are merely inadequate.

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According to the La Times Article, the consent orders allow for the following:&#13

The banks will designate a single person for distressed borrowers to contact so they aren’t bounced around from 1 get in touch with center employee to one more.&#13

The banks will put the foreclosure approach on hold if a mortgage has been authorized for a trial modification.&#13

The banks will establish “robust” controls and oversight for the actions of law firms and other individuals hired to support with foreclosures.&#13

The banks will hire outside auditors approved by the regulators to review foreclosure proceedings in 2009 and 2010 and recognize improper foreclosures, violations of state and federal law, and errors, misrepresentations or negligence that triggered economic harm to borrowers.&#13

The banks will compensate borrowers identified to have been harmed financially by bank wrongdoing or negligence, like setting up a process for aggrieved borrowers to make claims for remediation.

This language makes it possible for the bank to create programs and policies. Envision, if you or I committed a series of crimes and then proposed that we would come up with our own restitution program, says Kramer. No criminal charges. No jail time. Fines? Nicely figure it out later. Thats precisely what occurred here. Is it an improvement over what existed ahead of? Yes. Is it sufficient? No, absolutely not.

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The LA Times write-up says that according to the consent orders, the 14 largest mortgage servicers agreed to address the troubles with no admitting or denying wrongdoing. The orders also say that fines will be levied later, according to the Federal Reserve, which oversees the parent organizations of ten of the servicers, including Bank of America Corp., Wells Fargo &amp Co., JPMorgan Chase &amp Co. and Citigroup Inc.

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Philip Kramer hopes that this will be the beginning of actual justice rather than a final resolution. The issue is so massive, says Philip Kramer. You have banks generating faulty loans, loans they knew would blow up and leave property owners and investors in a lot of difficulty. They aggressively sold these loans. They purchased insurance coverage, knowing the loans have been faulty, and then profited once again when the loans failed. Imagine if you were a vehicle dealer and you got a shipment of vehicles with negative brakes. You knew the brakes had been undesirable, and however you aggressively sell those automobiles, and then you take out insurance coverage policies on the drivers who purchased those automobiles so that when they get killed you get even far more cash. Thats what occurred here. The banks need to have a lot much more important penalties.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior partner of the Law Workplace of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes commercial litigation and trial advocacy, with a concentration on company litigation, and genuine home matters. He has prosecuted and defended instances for over twenty five years.

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Mr. Kramer is a licensed true estate broker and has spent considerable time providing legal services in connection with real estate problems relating to loan modification and loss mitigation, land use and zoning, environmental troubles, easements, building and development, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice prior to all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has tried in excess of 200 situations. He has appeared on nationally televised applications regarding pre-trial process and trial method and has appeared as a guest lecturer on subjects ranging from constitutional law to trial practice, and Mr. Kramer often lectures on a broad spectrum of a variety of legal and organization troubles.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization committed to bringing professionalism and civility back into the legal profession. He also serves on quite a few Boards of Directors and serves as an officer in numerous organizations. For a lot more details contact (818) 224-3900 or check out http://kramer-kaslow.com

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Kramer Law: Congressional Oversight Panel Weighs in on Robo-Signing

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Calabasas, California (PRWEB) June 19, 2011

The Law Offices of Kramer and Kaslow released comments from lead attorney Philip Kramer with regards to the most recent Huffington Post write-up on the findings of the Congressional Oversight Panel. According to the article, the Congressional Oversight Panel, a federal watchdog produced to keep tabs on the bailout, says that the “robo-signing of affidavits served to cover up the reality that loan servicers can’t demonstrate the details necessary to conduct a lawful foreclosure. In essence, banks might be unable to prove that they personal the mortgage loans they claim to own,” the panel mentioned.

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The write-up also quotes Sheila Bair, the chairman of the Federal Deposit Insurance Corporation. Blair stated at a Senate panel last month that “flawed mortgage banking processes have potentially infected millions of foreclosures. The extent of the loss cannot be determined until there is a extensive review of the loan files and documentation of the approach dealing with difficulty loans,” she added.

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The Huffington Post reports that regardless of that appraisal, Bair, along with Treasury Secretary Timothy Geithner and Shaun Donovan, secretary of Housing and Urban Development, have stated they want a quick settlement.

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Philip A. Kramer, a Southern California lawyer whose law firm Kramer &amp Kaslow has launched half a dozen consolidated plaintiff litigation suits against banks for such behavior commented. Of course they want to settle this swiftly,” mentioned Kramer. “If the wrongdoing by the banks is looked at closely, if it is looked at systemically, I suspect that it may possibly effectively turns out there are are hundreds of thousands of loans, maybe millions and that is not an exaggerated quantity for which the banks merely do not have the suitable paperwork to legally foreclose, significantly less prove ownership.

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According to the Huffington Post report, Kramers views are getting some significant help as the Attorneys Basic of all 50 states look into the matter. The write-up says that New York Lawyer Common Eric Schneiderman has been specifically aggressive and has targeted Bank of America, the most significant U.S. bank by assets, in a new probe that questions the validity of potentially thousands of mortgage securities and their associated foreclosures, two individuals familiar with the matter stated.

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The Huffington Post reports that, The inquiry could prove explosive: Wall Street’s excellent mortgage securitization machine took millions of house loans and bundled them into securities for sale to investors. If the legal measures that guide securitization — like taking mortgage documents from a single party to yet another, a crucial step below New York law — had been not undertaken, then the investors who bought the bundled loans could force the companies to acquire them back, compelling them to eat huge losses.

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Philip Kramer is swift to point out that there is yet another conclusion to Schneidermans investigations. If the New York Lawyer Common finds that these securities aren’t valid economic instruments at all they could take action under state law. They may finish up awarding the houses to the borrowers simply because the banks can not prove ownership.

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Far more of Philip Kramers comments can be found at the Kramer and Kaslow blog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior partner of the Law Office of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes commercial litigation and trial advocacy, with a concentration on company litigation, and actual property matters. He has prosecuted and defended circumstances for over twenty 5 years.

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Mr. Kramer is a licensed actual estate broker and has spent considerable time delivering legal solutions in connection with real estate problems relating to loan modification and loss mitigation, land use and zoning, environmental concerns, easements, construction and improvement, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice prior to all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has tried in excess of 200 situations. He has appeared on nationally televised applications regarding pre-trial process and trial technique and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer often lectures on a broad spectrum of various legal and organization troubles.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a past president of the Los Angeles West Inns of Court, a national organization dedicated to bringing professionalism and civility back into the legal profession. He also serves on several Boards of Directors and serves as an officer in a lot of organizations. For far more info call (818) 224-3900 or go to http://kramer-kaslow.com

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South Florida Foreclosure Defense and Bankruptcy Firm Civil Justice Advocates, Pl Weighs in on Patraeus Story Participants Foreclosure and Customer Connected Situations

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Fort Lauderdale, FL (PRWEB) November 18, 2012

Even properly connected socialites in the middle of high powered controversies have to deal with foreclosure. As reported in the Tampa Bay Times by Ben Montgomery on November 15, 2012, Jill Kelley finds herself in the middle of a tangled net which led to the resignation of General David Patraeus. Jill Kelley and her husband Scott are buddies of Patraeus and of General John Allen, who was to be confirmed these days in Washington.

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This controversy tops off numerous years of economic struggles for the Kelleys which contain foreclosure. According to Ben Montgomery of the Tampa Bay Instances, Jill and Scott Kelley stopped producing payments on their $ 1.5 million house in 2009. According to court records for case number ten-CA-9459 found in Hillsborough County Clerk of Courts, their lender filed a foreclosoure lawsuit against them in April 2010. As noticed on the docket, Kelleys continue an aggressive defend by actively pursuing discovery, a tool allowing parties in a lawsuit to gather details from their opponent to help their case. Whilst their case is getting aggressively defended, the Kelleys stay in their homestead house. Given every little thing going on in their lives proper now, they could not be looking to the future but there is constantly a need to have for some sort of program. If they have been they may contemplate bankruptcy, particularly contemplating the other debt they have incurred and lawsuits filed against them.

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On a side note, Jill Kelleys sister, Natalie Khawam, who herself is requesting bankruptcy protection as reported by Tampa Bay Times’ Ben Montgomery on November 15, 2012 and filed in Middle District of Florida’s Bankrupcty Court discovered in PACER.gov under case quantity 8:12-bk-05664-KRM, may be capable to give some insight and tips for handing finances. That of course is yet another story.

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This instance demonstrates monetary difficulties cross social and economic boundaries. Valid defenses exist in foreclosure, loan modifications could supply appropriate relief and bankruptcy protection makes it possible for shoppers access to relief that leads to a fresh begin. Times are hard, options are attainable take action.

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About Civil Justice Advocates, PL at http://www.cjapl.com supplies legal help to buyers dealing with credit card problems, foreclosure and bankruptcy. Our main workplace is in Fort Lauderdale, Florida and we serve Miami Dade, Broward and Palm Beach Counties.

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Civil Justice Advocates, PL&#13

Phone 954-677-8888&#13

Fax 954-677-8881