Author Archives: Blick Law

About Blick Law

Public Relations Specialist

Filing Bankruptcy | Chapter 7 vs 13

Screen Shot 2015-08-25 at 1.20.44 AMBy: Moneer Kheireddine

Bankruptcy. When you think of bankruptcy, you often assume failing to pay back debt and losing everything you own. In reality, however, bankruptcy is a process in which consumers OR businesses can remove or repay some/all of their debts under the protection of the federal bankruptcy court. Bankruptcies can be divided into two types — liquidation and reorganization. Chapter 7 bankruptcy specifically falls under the liquidation category. It’s called liquidation because the bankruptcy trustee may take and sell (“liquidate”) some of your property to pay back some of your debt. However, some items are exempt from liquidation under certain state laws. Not all bankruptcies are the same, despite the similar names.

Chapter 7 bankruptcy has many rules and procedures that must be followed; they typically last three to six months. Within Chapter 7, some of your property may be sold to be lower your overall debt. In return, most or all of your unsecured debts (that is, debts for which collateral has not been pledged, such as medical debts and most credit card debts) will be erased.Not everyone can file for Chapter 7 bankruptcy. For example, if your disposable income is sufficient to fund a Chapter 13 repayment plan (after subtracting certain allowed expenses and monthly payments for certain debts) Chapter 7 bankruptcy will not be available to you. If you owe money on a secured debt (such as a loan on a motorcycle and the motorcycle is a pledge of payment) then you have the option to continue paying the loan if the lender agree, pay the lender a lump sum equal to the value left on the loan, or allowing the creditor to repossess the property.

Overall, bankruptcy isn’t always the solution. Even though it can wipe out many debts (such as credit card debt and medical bills) there are still some debts it cannot touch. Tax debt, child support and spousal support debt, and several others are still kept after bankruptcy. If Chapter 7 bankruptcy is an option you are considering, we here at Blick Law Firm encourage you to contact us at 888-973-5215 for a free consultation in order to help you understand your options.

Posted in Bankruptcy, Blog | Leave a comment

What to Look for When Hiring an Attorney

Screen Shot 2015-08-10 at 12.08.53 PMBy: Moneer Kheireddine

The court system can be a complex and daunting environment. Hire an attorney to explain the courtroom situations and proceedings so that you may be properly prepared and represented should you find yourself in court.

However, what should one be looking for when examining potential attorneys for hire? Here is a list that will guide you on how to go about finding the right attorney to represent you in court:

Ask around. When a legal problem arises in your life, there is a high chance that someone you know may have experienced the same issues. A personal referral to an great attorney is a simple and effective way to find legal representation you can trust!

Use technology to your advantage. Research any attorneys you come across and look for attorneys who go above and beyond the call of action. Those involved in community services or are highly experienced in their fields will go a long way.

Ask questions. When you are looking into potential attorneys to represent your case, no reputable one will turn you away for asking questions. Talk to them to gain an understanding on whether or not they will be the right fit for both you as a client to your specific case.

Look for honesty. An attorney that is going to be representing you should be genuine, honest and ethical in the court of law. Make sure they are upfront about the costs associated with their service, and always make sure you are honest with them in regards to your case for best client-attorney relationship.

Examine their history. Ask your state bar association whether or not the lawyer in question has ever been on the receiving end of an ethical complaint. Knowing how they’ve performed so far can give you a fair amount of insight into whether or not they will be able to represent you to your expectations.

Remember, hiring an attorney, the right attorney, is critical to the success and outcome of your current legal situation. Choosing the best one for you is the first step to ensuring a successful case, so make sure to take the time to look for the best of the best. We here at Blick Law Firm are committed to serving you and to our mission to helping the hurting. If you would like to learn more about our services and offerings, or ask any questions to learn more about what we stand for please contact us today at 813-931-0840.

Posted in Blog | Leave a comment

American Bar Association | Avvo Legal News

By: Moneer Kheireddine

Screen Shot 2015-08-10 at 11.47.45 AMThis week in legal news, Avvo founder and CEO Mark Britton alongside many others took the stage of the first day of the ABA’s House of Delegates meeting and they spoke on several key issues facing the legal industry. One of Mark’s main points was to encourage the audience to “look at this through lens of innovation”. He spoke on several key issues of the industry, and the steps they are taking in order to provide care and support for the legal industry.

Several of his points included facts in regards to trends within the industry, such as the fact that four out of five low-income litigants are unrepresented or a survey that was conducted that said 34 percent of the population believe that lawyers have nothing to offer society. His solution was to “get rid of UPL” and partner with more credible experts instead. He made statements speaking of how the legal industry was made to serve the legal consumer, not ourselves.

Other speakers, such as Bay Area Legal Aid Executive Director Alex Gulotta and Lisa Foster, director of the Department of Justice’s Office of Access to Justice also spoke on the subject of public interest as well as the poor representation of the poor and non-native English speakers. Alex spoke about the “complex maze” faced by people of modest means, and suggests expanding to create a single point of entry in which people who are seeking justice can easily be helped. Lisa Foster spoke on those poorly represented, such as the poor and non-native English speakers, and stated that, “the problem is exacerbated by lack of adequate funding for public defenders in many states”.

Many other speakers graced the stage, but many of them touched on the same basic point in regards to legal matters. Most offered opinions on the downward trend of industry and offered varying solutions to the problems faced in every state within the country. Time will only tell if the issues presented will have any success in being corrected or solved in the coming years.

Posted in Blog | Leave a comment

Personal Injury Attorney | Tampa Bay Lawyer

2015-06-29_01h16_34Personal injury is a legal issue and frequent occurrence that could happen to anyone at any given moment. This is why it is imperative that everyone remain informed and knowledgeable on various aspects of personal injury defense and how it works. Every day, more and more people are injured who are not at fault, and aren’t exactly sure what to do. That is why we here at Blick Law Firm are going through some of the basics on our website covering topics such as: personal injury, what it means, and how it may or may not impact your life.

In the simplest of terms, Personal Injury cases are legal disputes that occur when one person suffers an injury or harm, and another person may be legally responsible for it. In order for a case to become formalized, it must go through a civil court proceeding that essentially attempts to find others legally at fault through the court. However, before a lawsuit is filed, it is very common for disputes such as this to be handled through informal “settlements”. These settlements typically involve negotiations and a written agreement signed by both sides that agrees on resolving the issue through a monetary amount.

While most forms of law use statues as governing rules, most of personal injury law isn’t actually within statutes. Most of its development occurs through court decisions. However, another important aspect of personal law not set forth by court decisions is the statute of limitations. Statutes of limitations are set by state laws and they determine how long you have after the original incident or discovery of the injury to file your lawsuit.

Now, while there are various aspects to Personal Injury law, if you or someone you know ever have any questions, or would like a free consultation in regards to a Personal Injury case, we highly encourage you to reach us at 813-931-0840.

Posted in Blog, Personal Injury | Leave a comment

Foreclosure Defense | Real Estate Law

By: Moneer Kheireddine

Over the past few years, the amount of homeowners losing their homes to foreclosures has being increasing exponentially. Since 2006, over 5 million citizens of the United States have lost their homes to foreclosure. This number has steadily been increasing, and more and more people are facing their banks and lenders in the courtroom. And most of the time, the banks tend to win out over the average citizen, due to having much more experience in relation to the practice of foreclosure and already having a firm grasp of the law. However, homeowners are beginning to understand how foreclosure works and, more importantly, how to fight it. This has led to a growing number of homeowners being able to halt the foreclosing of their homes or at least delay the bank.

The most basic way to prevent a foreclosure is by modifying the mortgage. When you modify the mortgage, the homeowner essentially works with the lender to make mortgage more affordable for their current situation. It can be anything from a reduction in your monthly payments to stopping your payments for a certain amount of time. However, once the foreclosure actually begins, it can seem very hopeless to the average homeowner. The basics of your defense will have to be centered around proving that the bank does not have a right to foreclose on the property. How to go about this, however, can be very difficult.

That is why Blick Law Firm is here to help. We have years of experience battling foreclosures within the court and understand the in’s and out’s of how the mortgage industry functions. We are able to properly defend you and your family from losing your property and help prevent any further incidents. We highly encourage that if you, or someone you know, needs advice and a free consultation about a foreclosure defense, that you give us a call at 813-931-0840. We are here to help, and our vast experience within foreclosure defense allows us to assist you in protecting your home.

Posted in Blog, Real Estate | Leave a comment

Legal News | Supreme Court Rulings

In world news this week, Canada’s Supreme Court has unanimously ruled that restricting the medical usage of marijuana to smoking was constitutional. Within the Controlled Drugs & Substances act, it states that while smoking the cannabis is fine, but using the plants extracts in other forms was not. The reasoning behind the court stating this issue as “unconstitutional” was due to the fact that limiting the usage of the plant to only smoking would cause unnecessary risks that could be avoided. Thus, the court found the the restriction to violate Section 7 of the country’s constitution.

The response to the ruling has been generally positive, with many medical marijuana users within Canada happy that they can now use marijuana in forms other than smoking. Some of the users, who may have already had lung issues, were especially excited to know they could now take the medication smoke-free. However, many on the opposite side are arguing against any medical marijuana usage at all, and state that using marijuana in any form should be illegal, and are outraged at this recent ruling.

For many years, and especially recently, marijuana usage for both medical & recreational purposes has been widely debated within Canada and the United States. The controversy caused by medical marijuana usage especially has caused many heated discussions and appeals to many courts, both high and low. Even Puerto Ricos governor Alejandro Garcia Padilla signed an executive order that legalized medical marijuana in May, showing just how pressing medical marijuana has become within our society. The long-lasting benefits and consequences of these choices surrounding medical marijuana are not yet clear to us, but it is certain that it will be a heavily debated topic for years to come.

Posted in Blog | Leave a comment