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What Are the Common Types of Divorce?

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Nearly 750,000 divorces were filled in 2019. Most people probably think there is only 1 type of divorce. But divorce is certainly not one size fits all. Over the years the divorce proceedings have changed a lot. 

Today spouses can file for divorce with no party at fault. This has created different types of divorce to cater to different circumstances. Read on for your divorce options. 

The Most Common Types Of Divorce

There are two divorce principles we need to understand, at-fault vs no-fault divorce and contested vs uncontested divorce. 

Previously, courts would only grant a divorce if one spouse could prove the other was “at fault” for the breakdown of the marriage. Usually through infidelity, abuse or neglect. No-fault divorce is where a spouse will file for divorce with no stated reason. 

An uncontested divorce is where both spouses agree to divorce without any litigation. Uncontested divorces can be as simple as both parties filing the necessary paperwork together. These are best for uncomplicated divorces.

Contested divorces occur when one party is seeking a divorce and the other is not. Contested divorces typically take months or even years to resolve.  Contested divorces can take place even if both parties agree to separate but are not in agreement on the conditions of the divorce. Such as child custody and support and division of property. 

You can have no-fault divorces that are either contested and uncontested, and at-fault divorces that are either uncontested or contested.

Most divorces can be settled out of court, and this is ideal for most divorces. Your circumstances will determine how you should proceed. 

Mediated Divorce

A mediated divorce is when a mediator is hired to work with the divorcing couple. In this case, neither spouse seeks individual legal counsel, and both work with the mediator. The mediator does not give legal advice or render an agreement but supports the couple in coming to a fair and agreed resolution. 

Collaborative Divorce

In this case, both spouses hire separate lawyers. Both spouses agree to disclose all information and settle the matter out of court. Both parties are guided by their lawyer. This is a good approach for complex divorces where parties are in agreement to separate but have issues that need resolution. 

This type of divorce allows for legal representation, such as https://ephraimlaw.com/military-divorce/, but aims to resolve the proceeding in private. If the divorce cannot be resolved then the matter must be taken to court and new lawyers must be found. 

Default Divorce

In circumstances wherein the spouse is unable to be located or has not responded to the divorce petition within a reasonable time, a default divorce can be sought. 

If this happens the spouse seeking the divorce will petition the judge to grant a divorce by default. 

Contested Divorce

If one spouse is not agreeing to the divorce or if spouses are significantly apart on the conditions of divorce then the divorce will be contested and must be settled by the courts. A judge will make a ruling on the conditions of the divorce. 

Getting Divorced

Getting divorced is not a fun process. To make sure you get the best outcome for you, your partner, and your children you need to know the types of divorce and make the best decision for your circumstances.

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How Do I Know If I Have A Good Settlement Offer?

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Most personal injury claims are resolved between the plaintiff and the individual that inflicted the injury’s insurance provider. When you settle an injury claim with the insurance provider, you usually relinquish your right to request more compensation or initiate a lawsuit over the injury. 

As a result, you must ensure that the proposed settlement is reasonable. In addition, since the payout is binding, you should consult with a medical malpractice attorney before agreeing with an insurance company’s plea agreement. 

What Influences the Amount of a Personal Injury Allegation?

The health insurer considers several criteria when deciding how much to grant you to resolve your injury claim. The following are some of the reasons that could impact its decision:

  • The nature and magnitude of your injuries.
  • Whether or not you have a long-term impairment or limitation.
  • Liabilities and costs connected with pursuing a personal injury case in court.
  • Any significant flaws in your instances, such as proportional. Culpability charges, underlying conditions, or lapses in medical care following an incident.
  • Whether or not you engaged a medical malpractice attorney. If so, what kind of legal expertise and track record do you have?

If a health insurer suspects a high-value claim, it may provide a rapid, modest settlement to prevent paying a higher sum. Conversely, when an insurance company pushes you to approve a settlement offer before you’ve finished your treatment, it could be a hint that your claim is worth a lot of money. 

What Is a Reasonable Settlement Offer for My Personal Injury Case?

Offers of the settlement are premised on the fact and conditions of your dispute. The ideal resolution offer covers all of your financial losses as well as your misery and suffering. The insurance company’s objective, on the other hand, is to pay the least to settle your claim. Your goal is to acquire as much money as possible for your injury. As a result, a settlement offer is frequently somewhere in the middle of those two figures.

To determine if the insurance firm’s settlement offer is reasonable, you must first assess the value of your losses.

Add up all of the monetary losses, expenditures, and costs associated with the incident, your injuries, and your recuperation to assess potential damages. The following are some examples of economic losses:

  • Charges for burial and cremation services in the event of a wrongful death
  • Health care expenses, such as hospital fees, doctor bills, drugs, treatment charges, ambulance payments, and medical equipment, are all examples of medical costs.
  • Personal attention and aid with regular tasks, such as household duties
  • Revenue and perks are lost.
  • Expenses associated with getting to and from medical visits
  • The price of adapting your residence or vehicle to accommodate a disability or limitation.
  • Future wages and medical/personal care costs are reduced as a result of a disability.

Now You Know!

It can be difficult to ascertain the worth of a personal injury lawsuit. If you’re uncertain how far your lawsuit is worth, consult with a medical malpractice attorney before considering a settlement offer from an insurance provider.

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How to Get a Divorce Online in Vermont: Steps & Cost

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Divorce

Nowadays, many states facilitate getting a divorce for couples who don’t want to dispute the terms of their divorce. Vermont is no exception. The state offers a stipulated divorce option, enabling couples to finalize the dissolution of marriage at a lower cost ($90 for filing fees versus other types of divorce that start from $295) and faster (30 days, if all legal requirements are met). Is it possible to get divorced online in Vermont? Let’s find out.  

What is the Cheapest Way to Apply for Divorce in Vermont?

Divorce should not necessarily be associated with high expenses. How much divorcing spouses spend for their divorce process depends on their ability to communicate and agree with each other. In fact, the fewer points of dispute a couple has, the cheaper their divorce can get.

In Vermont, the three most common ways to decrease the cost of divorce include:

  • DIY Divorce. When a couple agrees to sort out custody, support, and property issues amicably, a divorce is a routine court procedure that may not require the assistance of lawyers. Vermont addresses this issue by offering couples a Do-It-Yourself divorce and Self-Help centers where petitioners can access all the required information for self-representation. But keep in mind that staff at self-help centers are not authorized to give legal advice. They provide court forms and answer simple questions about completing and filing. Visit the Vermont Judiciary website for Vermont Statutes and Rules, a court locator, and court fees. Opting for this variant, divorcing spouses pay only the court filing fees and other pertinent expenses, such as serving the spouse or notarizing and copying documents.  
  • Online Divorce Services. Why do petitioners need lawyers? Because they are not familiar with court proceedings and don’t know how to fill out court forms. Some people want an inexpensive divorce but don’t have much time to figure out how to complete the divorce papers. Divorce companies assist couples in preparing the paperwork for their divorce over the Internet. A web divorce or Internet divorce service will get clients to provide some information about their marriage, children, and residency to make sure they qualify for a stipulated divorce in Vermont. Then the system completes the state-specific court forms (with or without children) and (e)mails them for a reasonable price. Usually, for preparing your application for divorce online, the online divorce service provider charges around $300-$400. The clients get their error-free completed forms ready to file at a local courthouse and a step-by-step guide with filing instructions.
  • Divorce Attorney. Even though divorce attorneys charge hourly fees, they offer flat-fee divorce packages for an uncontested divorce. In Vermont, this means a no-fault divorce with “irreconcilable differences” cited as grounds for divorce. The spouses need to agree on all the terms of their divorce for an attorney to take the case at a flat fee. If there is at least one issue for litigation, each spouse requires their own lawyer. Litigated divorce cases are charged at an hourly fee. On the other hand, any couple can request a lawyer to review their marital settlement and other divorce papers. This variant can be more expensive than the other two but more affordable than hiring full legal representation in divorce proceedings.
  • Mediation. If spouses cannot have an uncontested divorce due to a dispute over some issue but want to save on legal fees, mediation is a viable option. A skilled mediator will help spouses resolve their issues with child custody, property division, or spousal support (alimony) at a fraction of a price compared to the fully-fledged litigation with a judge and attorneys on each side.  

More Ways to Make Vermont Divorce More Affordable

Low-income families can reduce the cost of divorce even more by filing for a fee waiver and requesting legal aid.

  • Fee Waiver. Vermont provides an option of requesting a fee waiver for those who have economic hardships and cannot afford to pay court fees. The petitioner or the respondent files a motion, proving their low economic status with an affidavit, pay stubs, and other evidence. If the judge finds the evidence substantial, they waive all the court fees for this couple throughout their divorce case.
  • Legal Aid. In Vermont, individuals and families who are vulnerable or in difficult situations can turn to legal aid and get legal advice and representation at no charge. They are eligible for legal assistance only if they have low income and capital that they can prove.  

Steps to Take When Filing for Divorce in Vermont

Before filing for divorce, make sure you meet all the requirements:

Residency. Either spouse must have lived in the state for at least six months before filing for divorce and 12 months before the court can schedule the final hearing.  

Separation period. One of the requirements for a no-fault uncontested divorce is living separate and apart for at least six consecutive months. The court does not require the spouses to stay apart physically. They can share the same living space but keep separate households with no intentions to get back together.

Step 1. Filling out the forms. In Vermont, both spouses complete and file a stipulated divorce. If it is a regular uncontested divorce, the spouse who completes and files the forms is referred to as the plaintiff (petitioner), while the other spouse is known as the defendant (the respondent). The set of forms for a stipulated divorce includes Summons, Compliant, Acceptance of Service, Answer to Complaint, Notice of Appearance, and forms regarding child care, support, and financial disclosure for both spouses. The forms must be signed by both spouses and notarized.

Step 2. Filing the forms. The completed forms are filed with the court’s clerk at a local courthouse in the county where either spouse resides. The clerk assigns the divorce case a number and returns stamped copies of the divorce papers to the petitioner.

Step 3. Serving the spouse. In a stipulated divorce, the spouses file an Acceptance of Service form and thus waive the serving of the other spouse. In a regular divorce, the plaintiff arranges service through a sheriff or a process server; the defendant then should file an answer.

Step 4. Having the waiting period. Families with minor children have to wait for six months after filing the paperwork before the judge sets a final hearing.     

Step 5. Finalize your divorce. If the couple filed a Final Hearing Waiver, they get their divorce papers signed by the judge without them being present unless there is something wrong with their paperwork or settlement agreement. Keep in mind that Vermont has a 3-month nisi period before a divorce becomes final (this can also be waived in the stipulation form).

As you can see, the stipulated divorce process in Vermont is straightforward and simple.  Unless spouses want to dispute some issues, they can have a quick, inexpensive divorce without an attorney. 

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How Do I Choose the Best Business Lawyer in My Local Area?

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How Do I Choose the Best Business Lawyer in My Local Area

There are currently over 804,000 lawyers employed throughout the US. Between 2020 and 2030, another 71,500 lawyers could begin offering their services. When you’re searching for a single business lawyer, it can feel difficult to narrow down your options. 

Not all business lawyers have the experience and expertise your company might need, though. Here are seven tips that can help you find the best business attorney in town.

With these tips, you’ll have an easier time vetting your options. You can find the best law firm based on your distinct needs. 

Don’t make the mistake of hiring the first attorney you find online. Instead, start searching for the most qualified attorney using these tips today. 

1. Talk to Your Professional Network

Start your search by speaking with other business owners in the area. Leveraging your professional network can streamline your search. You can develop a list of law firms and business attorneys to research further.

Talk to your professional contacts about the business attorneys they hired in the past. Make a list of questions you want to ask, such as:

  • Was the lawyer experienced and knowledgeable
  • Did they accomplish your goals
  • What services did you request
  • How much did their services cost
  • Do you plan on working with them again
  • Were you satisfied with the experience

Ask each contact you speak with if they experienced any problems with the lawyer, too. If they can’t help you find a qualified lawyer, you’ll at least know who to avoid.

Take the time to consider what type of business lawyer you need as well.

You might require someone who falls within a specific specialty. Understanding your specific needs can streamline your search. 

If your professional network can’t help you find the best business attorney in town, that’s okay. Start searching online instead. Google “best business attorney near me” and develop a list.

Then, use the rest of these tips to narrow down your options to the one lawyer you can count on. 

2. Look for Years of Experience

Before you hire an attorney, it’s important to learn more about each lawyer on your list. Research their legal practice and professional history.

First, make sure to choose a long-established legal practice. The best law firm has likely already established themselves. They’ll have a strong reputation and history of casework.

Learn more about each individual lawyer on your list, too. 

First, determine how long they’ve practiced law. Make sure they have years of hands-on experience helping clients. Then, determine how long they’ve specialized as a business lawyer. 

Don’t forget to consider each lawyer’s specialty, too. For example, do you need a:

  • General business attorney
  • Tax lawyer
  • Contract lawyer
  • Employment and labor lawyer
  • Intellectual property lawyer
  • Mergers and acquisitions lawyer

Specifying your distinct needs will help you find the right lawyer based on their experience and qualifications.

Otherwise, consider how long each lawyer has practiced in your local area. Some laws and procedures can vary based on your location. Make sure they’re up-to-date with recent laws, procedures, and cases.

Choose someone with the experience and expertise you need. These Lawyers are more likely to accomplish your goals. 

3. Consider Recent Cases

Do you need a lawyer for case litigation or for a trial? Make sure to find a lawyer with courtroom experience.

Some lawyers are nervous about standing before a judge and jury. They might avoid going to court by accepting a lowball settlement offer. Avoid lawyers who lack courtroom experience.

Consider your legal goals. Why are you looking for a business attorney? Make sure the lawyer you choose has experience specific to your request.

Ask about their experience with similar situations. What was the outcome? Were they able to accomplish the client’s goals?

If you’re dealing with a lawsuit, choose a lawyer who has handled a similar case recently. Consider the payout for that case, too.

Make sure you choose a lawyer with a strong track record of similar cases. You’ll have peace of mind in their ability to accomplish your goals. If they weren’t able to help their previous clients, look elsewhere. 

4. Read Reviews

Over 90% of people read reviews about local businesses to determine each one’s quality. If you want to find the best law firm in town, read reviews. You can find reviews on the law firm’s Google My Business and Better Business Bureau listings.

Look for any major complaints. If the lawyer has a complaint or malpractice suit filed against them, choose someone else. Find a lawyer with a strong professional reputation. 

Ask each lawyer if they can provide professional references as well. Speak to other business owners who were once in your shoes.

Asking them about their experience with the lawyer could help you gather additional information.

5. Schedule a Consultation

Schedule a consultation appointment with at least three lawyers on your list. Ask any lingering questions you have on your mind.

Consider asking the lawyer how they plan on accomplishing your goals, too.

Pay attention to how they speak. Are they a strong communicator? If your case goes to court, they’ll need to speak on your behalf.

Use your appointment to learn more about their skills and experience. 

6. Consider Availability

Ask each lawyer how many clients they’re currently juggling. Will they pass you off to another lawyer at their legal practice? 

Make sure to choose a lawyer who has the time to handle your legal needs. Otherwise, you might struggle to communicate with them in the future. 

7. Discuss Their Fee Structure

Ask at least three lawyers about their fee structure. Some lawyers work based on a fixed rate. Others work based on an hourly rate.

Review the details of their contract, too.

Then, review your notes. Don’t choose the cheapest lawyer on your list. Chances are, you’ll pay for their abilities and experience. 

Start Searching: 7 Tips for Finding the Best Business Lawyer in Town

Don’t make the mistake of hiring the first business lawyer you call. Instead, use these tips to find the best business attorney on your list. With these tips, you can feel confident in your final choice.

A qualified, experienced lawyer will have an easier time accomplishing your legal goals. 

Searching for more helpful guides? You’ve come to the right place.

Check out our latest articles today for more. 

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5 Things You Should Know Before Taking Commercials Loans

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You need money to start a new business. It can be a small business or a large business. You can borrow some money from your friends or family. If not possible, you can take a loan from a bank. You can apply for a commercial loan to start your new business.

Today, it is not difficult to take a commercial loan. Smart financing solutions have made it easy for businessmen to get a loan for their business. This guide will help you to know about some things before taking a commercial loan.

Debt Financing

You must know about debt financing. It occurs when you raise money by selling debt things to the investors. A great amount is secured by the companies along with business debt so that the business could be made successful. The financing of a business includes crowdfunding, venture capital, credit cards, and loans.

You can not manage all your business operations with free cash flow. Only cash flow cannot help you to achieve your obligations and contracts. Debt financing provides you more facilities than free cash flow. It is a versatile tool that grows your business fast and helps you to meet your business’s objectives.

Importance Of Credit History

You should know about the importance of the credit history of a business before taking a commercial loan. You can get commercial loans in Tacoma WA from any local bank. Taking loans is challenging for a company. You have to maintain the financial record and medical history of your business to overcome several challenges.

You can get commercial loans from the government or banks. But you must have the financial history of your business. It is because this information is reviewed by the lenders for the purpose of decision making. Some lenders do not lend money to some small businesses. In this case, the owners can take personal loans.

How To Use Commercial Loans?

You should spend the money of commercial loans on operating expenses and capital expenditures of the business. So, you should know how to use a commercial loan and where to consume this money. You should know that taking a loan and returning it back is not easy. You have to return the amount with a specified percentage of interest.

Taking a commercial loan does not mean you can take money only to start a new business. You can also take a loan to enhance your business and make it successful. You can spend this money on meeting short-term financial obligations. You can also spend this money on funding payroll.

You must know the procedure for returning the money. A specific amount is set according to the amount of lent money. So, a specified amount is to be paid to the lender by following a strict repayment schedule.

Cost Of Commercial Loan

You should select the best source for getting the best loan for flipping houses in Tacoma WA. You should calculate the cost of the commercial loan before getting it. You should know how to calculate interest on a certain amount. If you do not know how to calculate, you can ask any of your friends or family members who know mathematics and calculations.

The interest rate depends upon different factors such as the credit history of the company, personal credit history, relation with a lender, type of lender, term of the loan, etc. You should calculate the number of years in which you will return the money.

Capacity For Collateral

You should calculate your capacity for collateral before taking a commercial loan. The lender checks your capacity of returning back the lent money. A criterion is set to check the validity to take the loan. If the lender feels comfortable that you will easily pay him back, then he decides to lend you money. Collateral may include cash, bonds, stocks, cars, houses, etc.

Financial Documents

You should prepare the financial documents of your company. You should keep all the data organized before applying for the loan. The detailed financial information is checked by the lender. You should also maintain the balance sheet, tax audit reports, cash flow statements, etc. of your company.

Conclusion

You can lend money from a bank or government. You should take help from this guide to know about some important things before taking the loan.  

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Average Car Accident Settlement Time: How Long Does It Take?

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Average Car Accident Settlement Time

Have you filed a car accident claim recently? Wondering how long the average car accident settlement time is?

If you’ve recently filed a car accident claim, you may have to wait quite a bit of time to hear back from an insurance company. This can be incredibly frustrating if you have bills to pay.

If you’re wondering how long the average car accident settlement time is, read on. We’ll answer your questions here.

Understanding the Accident Settlement Process

After you have been injured in a car accident that was caused by another driver, you’re entitled to make a personal injury claim and seek compensation. The compensation you get will be based on any losses that occurred due to the accident including medical bills, unearned wages due to being out of work, and more. 

To get compensation, you’ll need to make a claim. You’ll submit a claim to the at-fault driver’s insurance company and will need to negotiate with them to get compensation for the damages.

During this time, there will often be a long investigation of the accident and the negotiations could be lengthy. If they don’t accept your claim, in some cases it will be necessary to file a lawsuit and take the matter to court.

What is the Average Car Accident Settlement Time?

There is a wide range of times that a car accident claim may be completed, and unfortunately, there is no clear answer for how long the process will take. Because all cases are different, there is no clear average of how long the process will be.

Simple claims may take a few weeks or less while some will get drawn out for weeks, months, or longer. Typically, it will take longer for medical claims to be resolved than it will take for vehicle damage claims.

During the process, however, there are some deadlines to be aware of. In some states, the insurance company is obligated to respond to your claim in a set amount of time. However, this time won’t necessarily be met since there are insignificant penalties when they fail to respond in time.

Insurance companies are required to respond in a reasonable time frame, but this amount of time is often not set in stone and still may vary by quite a bit.

Factors That Influence Settlement Time

They are many factors that can influence the length of the settlement process and there are some things that need to happen before it will be completed. Here’s what you need to know.

1. Insurance Company Hesitance

One of the reasons that a settlement may be delayed is because the insurance company is doing everything they can to prevent it.

Some insurance companies will find any way that they can to devalue a claim. They’ll investigate your case thoroughly to find something they can use to question the validity of your claim.

This is particularly likely to delay a case if the accident is major and particularly costly.

2. Determining Fault and Liability

Determining liability and proving that the other driver was at fault can be difficult in some cases. 

Particularly when it comes to an accident where the fault will be shared, things can get complicated and it can be harder to determine liability. If the accident wasn’t 100% the other party’s fault, then the claim can get bogged down more easily.

Sorting this out and determining liability can take time. The settlement process can be slowed down considerably as a result of this.

3. Getting Eyewitness Accounts

If your accident had eyewitnesses, there may also need to be time taken to interview them and get their personal statements about what happened. You or your lawyer may need to spend time interviewing them.

It can be helpful to get eyewitness accounts if you weren’t at fault for the accident. However, this process can take quite a while, depending on the number of people who were at the scene of the accident.

4. Injury Recovery Time

Another thing that can delay settlement time is recovery. Depending on the severity of the accident, recovery time can vary by quite a bit.

If it takes you a considerable amount of time to receive treatment and fully recover from your injuries, this may also delay your claim. You shouldn’t file a claim until everything is said and done.

You won’t know how much compensation to ask for if you haven’t finished receiving all medical treatment yet. Once treatment is finished and all medical bills and records have been obtained, you can file your claim.

5. Insurance Company Response Time

One thing that you’ll be waiting for with a settlement is simply getting a response to your demand package. This can take anywhere from 15 to 90 days and will vary based on the specific insurance company, the state, and other factors. 

Waiting for a response can be difficult, and in some cases, it can take quite a while before you hear back from the insurance company. While this can be frustrating, there’s not much that you can do to speed them up.

6. Hiring a Car Accident Attorney

One of the biggest things that can influence car accident settlement time is whether you hired an attorney to help or not. Hiring a car accident attorney can be very helpful during the settlement process.

While an attorney can’t control the insurance companies and force them to get back to you, they can help with the process of filing a claim and handling a car accident settlement. They can help interview witnesses, gather evidence, fill out paperwork, and help you get better results from your claim.

If the claim will be negotiated they can help you ensure you get the highest amount possible.

Final Thoughts

Unfortunately, there is no clear answer for how long an average car accident settlement time is. However, you should be starting to get a better idea of what to expect by reading this article. Be sure to stay motivated and try to be patient while dealing with insurance companies and seeking the compensation you deserve.

In search of more helpful tips and advice? Discover more guides and articles by browsing our blog now.

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