You Can Choose Lawyer for Yourself

Lemon law is an extremely specialised field of litigation and requires years of experience and expertise. Due to this very reason, choosing a lemon lawyer can be quite a difficult task. So, here are few guidelines as to how you can choose the best lemon lawyer for yourself. Just follow these guidelines and you shall have no problem at all.

Do your research – The first thing that you must do is go through various online directories and look for someone who works in your locality and area. This is because lemon laws vary depending on the area of residence and hence, this is why you should look for a lawyer working in your area so that he/she is well aware of the rules and laws that apply to your case.

Ask around – You must ask around in your neighbourhood and call up friends and family to get some idea about lemon lawyers and ask about the goodwill of the law firms. This will give you a heads up and you will get a rough idea on which firm you can deal with and which firms you must absolutely avoid.

Call up firms – The next thing that you should do is call various firms and explain your case to them. You must hear the solutions that they give in a logical manner and then go and visit the firms you think have provided a good solution and have understood your case well enough.

Spend time with the lawyer – Once you have finalised the law firm and the lawyer with whom you want to take your case ahead with, you must sit with them to discuss the details of your case and the procedures that you may have to go through.

Know your lawyer – Along with the case details, you must also get some information about the lawyer also. For example, you must have information regarding the number of years the person has been preaching law, the number of cases won or lost, etc. This will help you to understand whether your case in the correct hands or not.

Enquire about the fees – This is one thing that you must do very carefully. You must ask about the fees that will be charged for handling your case. Even though the fees will be only paid if the case is either settled or won, it is necessary for you to get this information well in advance.

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Why You Need Youth Employment Regulations

Youth of a nation is considered to be the future of the nation and therefore it is essential to guide them in the right directions and protect them from exploitation during work. Work according to law1 is defined as the human effort whether intellectual, technical or physical, exerted in return for a wage it may be permanent or temporary in nature. The federal law no. 8 of 1980 concerning the regulations of labour relations (hereinafter known as ‘the law’) provides for special provisions for the youth of the nation. Article 20 to article 26 of the law pertains to regulating the employment conditions of a youth and the present article evaluates and discusses the same.

First, it is important to understand who all come within the definition of the term ‘youth’. The term is not defined in the present law and therefore the general meaning of the term is to be looked into. In general terms, the term ‘youth’ means the phase of life which comes between childhood and adulthood. The age till which a person is said to be in childhood is not mentioned but article 86 of the Federal Law no. 5 of 1985 pertaining to the Civil Transactions Law of the United Arab Emirates State, a person enters the age of discretion at the age of 7 and further article 85 of the same law provides that a person in UAE enters the age of majority at 21 years of age. Therefore considering the age below 7 years as childhood and the age of and above 21 to be adulthood, the age of a youth should be between 7 years and 21 years of age.

The present article deals with the regulating provisions for the employment of the youth. Article 20 of the law provides for a minimum age for a youth to be employed, it provides that a youth of either of the gender must have completed a minimum of 15 years of age for being employed. Hence, the regulating provisions for employment of youth are applicable to youth between the age of 15 years and 21years of age. Employing a youth below the age of 15 years in the United Arab Emirates state would be illegal. Therefore article 21 of the law provides for measures to be taken by an employer to confirm the age of the youth before employing him/her. The employer is supposed to maintain a personal file for the youth and is under obligation to maintain documents giving proof of the age of the youth therein. The following documents have to be maintained in the personal file of the youth:

1. A birth certificate or an official extract thereof, or an age estimation certificate issued by a pertinent doctor and authenticated by the competent health authorities. (for proof and verification of the fact that the youth is of employable age)

2. A certificate of health fitness for the required job issued by a competent doctor and authenticated.

3. A written consent of the guardian or trustee of the youth.

Further, the law provides for the maintaining a special register comprising essential information about the youth at the work place by the Employer. The said register is to contain information regarding the name and age of the youth, the full name of the guardian or trustee thereof, the place of residence, date of employment and the work for which the youth is employed. The date of employment is to confirm that the youth when employed was of employable age. The work role of the youth needs to be specified as youths are allowed to do work only that is considered to be safe for them. Article 24 of the law provides that employment of youth in hazardous, strenuous or in such conditions that are harmful to the health conditions of the youth is prohibited. The circumstances and environment that are considered to be hazardous and harmful to the health of the youth are determined by virtue of a decision issued by the Minister of Labor and Social Affairs upon the consultation of the competent authorities regarding the same. Here only the physical health of the youth is taken into consideration but with effect of an amendment the provision for safeguarding the mind and the mental health should also be added in the present law as youth is an age where the mind imprints very fast and easily and hence it is essential to keep it away from unethical, immoral and illegal activities.

Further, the law provides for the duration for which a youth is allowed to work in terms of timings and number of hours. Article 23 provides that a youth can only be employed during day time but this provision is limited to employment in industrial enterprises. Therefore there is no restriction on employing youth during the night time at work places other than industrial enterprises. It also provides the meaning of the word “night” to be a period of twelve consecutive hours at least including the period from 8 p. m. until 6 a. m. Article 25 of the law limits the maximum working hours to 6 hours per day for youths. These working hours would also include intervals for rest, meals or prayers. The intervals together are to be for a minimum of one hour and can be more than that but never less than that. Also the interval or the intervals are to be set in such a manner that the youth does not work more than four consecutive hours and the youth is not to be kept in the work location for more than seven consecutive hours. Further the law also has enumerated provisions within itself against charging the youth with overtime or retaining him/her at the work place after working hours or making the youth work of rest days which includes Fridays and public holidays.

At times it is necessary for the development and rehabilitation purposes that the youth is made to work for longer hours or to attend work on rest days. For such cases the law provides a special provision for philanthropic and educational institutions, that they may be exempt from the above discussed provisions if the Ministry of Labour and Social Affairs thinks fit. This is not a rule but only a discretionary power of the Ministry of Labour and Social Affairs which shall take all necessary facts and circumstances into consideration before granting any exemptions.

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Ways to Stop Harassment From Creditors

Creditors can take action to recover their money if you have unpaid debts and this intent is not illegal by itself. However, if the steps taken to recover the debt amount to harassment or cause you trauma, then you have the right to put an end to it.

What is harassment by creditors?

Sending reminders for their dues, calling you for the purpose of recovering the debt during working hours or even taking court action are technically not illegal. Creditors have the right to recover their money owed.

However, if creditors’ behavior includes the following actions, it could be seen as harassment, which you have the right to put a stop to:

– Contacting you any odd hour of the day, including early morning and late night
– Not informing you that your debt has been transferred to a collection agency
– Threatening you, either verbally or physically
– Not acknowledging it if you deny the debt; persisting with their collection practices
– Suggesting or pressuring you to get another loan or sell your existing assets to meet your dues
– Showing you false documents that look like court orders or legal papers to pressure you
– Telling you that your debt liability is a criminal offense or implying that your assets can be taken away from you as part of legal action against you
– Giving you the impression that legal action has been taken against you already
– Informing others about your debt directly or asking them to pass on the message for you
– Contacting you on social networking sites like Facebook

As a consumer, what can you do?

You need to start keeping a record of the calls or contacts made. As a consumer, you have rights that protect you from this harassment. However, ideally, you need to get in touch with a legal professional to help you understand what would work for your case against the creditors’ behavior and how best to stop the harassment immediately.

A legal professional can guide you on how to start building your case while also helping educate you on how best to deal with creditors until the harassment is brought to a full stop.

The Fair Debt Collection Practices Act (FDCPA) puts down certain behaviors by debt collectors that are not acceptable. If collectors indulge in these, legal action can be taken against them:

– Collectors cannot harass or abuse the consumer
– Make repeated calls or use obscene or profane language
– Make threats of violence
– Make public the names of people who have debts unpaid
– Make calls but not identify themselves

The FDCPA allows for certain practices such as:

– Contacting friends or relatives or neighbors of a debtor to learn only about how to contact the debtor
– During this call, they cannot reveal the purpose of the call nor their own identity
– They can call the debtor after 9 p.m., provided they have agreed to it previously
– Violations of the FDCPA can cause lawsuits to be filed and the consumer can win damages, including monetary damage.

Similarly, the Telephone Consumer Protection Act or TCPA also has guidelines on what constitutes legal debt collection practices. The TCPA also regulates the use of calls through automated equipment or what is also termed as robocalling. The TCPA prohibits calling debtors unless there is written consent from them. Violations to the TCPA can attract as much as $500 in monetary damages per incident. In case the violation is found to be willful, this can increase as much as by three times.

Legal Rights Advocates, PLLC is a law firm that specializes in helping clients stop the harassment from debt collectors or creditors in any form, including telephone communication. Our team of attorneys, over the years, has helped countless clients get protections from debt collection practices that are deemed as unlawful and illegal under the TCPA and the FDCPA.

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Insurance For Lawyers

This professional specializes in different types of insurance and the lawful upholding of these different insurance policies. During a normal workday, they may work with staff and aides to track any current cases progression, complete continuing education courses like changes in insurance law, or investigate current cases. Some of the more common types of insurance include:

• Auto
• Home
• Health
• Mortgage

When you work as an insurance lawyer, you can practice in any of these areas or other divisions of insurance law. One function an insurance lawyer involves mitigating insurance law cases, which could involve both corporate and personal insurance law. The lawyer that practices mitigation may need to have the ability to gather and decipher information, have communication skills when they present the collected information to the court, and employ time management skills.

Case mitigation will often work concurrently with case investigation. Along with the staff and aides, the insurance claim lawyer will collect facts that surround the insurance case so they can present the facts to the court. The facts will be the basis for the defense of the client who has hired this lawyer to represent their case. An insurance lawyer may also oversee the writing of new insurance policies for corporate or professional clients. Insurance underwriters may complete the specific writing of these policies. The insurance lawyer is most often responsible for verifying the legality of the policy and removing any loopholes it may have.

Insurance laws do change so the insurance lawyer may need to attend continuing education seminars or take continuing education courses so they can stay up-to-date on all of the different changes. The continuing education can help the insurance lawyer provide the most effective presentation to the client that hires the attorney. In all regions, it may not be necessary to do continuing education classes in order to maintain their license in insurance law and be able to practice this type of law.

There is a long list of insurance companies, laws, and policies, which an insurance lawyer can practice. Each type of insurance does require a certain type of knowledge in regards to give their clients effective legal support that is needed to win insurance cases. An insurance lawyer can work for the defendant or victim.

To become an insurance lawyer you must have a bachelor degree and a law degree from a law school that is accredited. To be admitted to the law school you will need to have a satisfactory score on the Law School Admission Test (LSAT). In law school, you will receive intensive classroom instruction and legal learning experiences. Before you graduate, you will also need to complete an internship. Many will do this internship in a law firm that specializes in insurance law.

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