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Blick Law Firm Participates in Small Business Saturday 2012

Thank you for watching Minute with Mike, free legal advice answered by attorney Michael C. Blickensderfer every Wednesday at Noon.

Today’s topic: Small Business Saturday 2012

Between Black Friday and Cyber Monday is a day
dedicated to supporting small businesses nationwide. Last year,
over one hundred million people* came together to Shop Small® in
their communities on Small Business Saturday®.

For those of you who don’t know, the Saturday following Black Friday, is nationally known as Small Business Saturday. Call Blick at (813) 931-0840 on the 24th and recite the promo code BLFSmallBiz2012 to receive an exclusive legal service discount offered for one day only!

Here is how to join us:

1) Call us on November 24th at (813) 931-0840
2) Tell us the promo code: BLFSmallBiz2012
3) Receive your coupon for your exclusive legal service discount.

That’s it! It is that simple, in efforts to support local small businesses.

Blick Law Firm has over 25 year’s legal experience in Florida, New York and New Jersey.  Seek direction from a Tampa Christian law firm today!

Blick law Firm is a local Tampa Bay legal firm specializing in chapter 7 and chapter 13 bankruptcy, personal injury, criminal and real estate law all across the state of Florida.

The owner, Michael C. Blickensderfer has 25 years legal experience in Florida, New York and New Jersey. Blick Law Firms practice areas include criminal law, DUI/ Traffic, real estate transactions, loan modifications, short sales, foreclosure defense, bankruptcy, title insurance and real estate litigation.

We also serve clients in personal injury, including auto accidents, motorcycle accidents, slip and falls premises liability, dog bites, marine and aviation accidents and wrongful death.

For further information regarding our legal services please visit our website at www.blicklawfirm.com. Former prosecutor, former Marine. Think quick, call Blick!

About Blick Law Firm
Blick law Firm is a local Tampa Bay legal firm specializing in personal injury, criminal and real estate law all across the state of Florida. The owner, Michael C. Blickensderfer, has over 25 years’ legal experience in Florida, New York and New Jersey. Blick Law Firms practice areas include criminal law, DUI/ Traffic, real estate transactions, loan modifications, short sales, foreclosure defense, bankruptcy, title insurance and real estate litigation. We also serve clients in personal injury, including auto accidents, motorcycle accidents, slip and falls premises liability, dog bites, marine and aviation accidents and wrongful death. For further information regarding our legal services please visit our website at www.blicklawfirm.com.

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Rise in Personal Injury Claims

Over the past couple of years there has been an increasing trend in the number of personal injury claims. A personal injury claim arises when a party suffers an injury with lasting consequences as a result of the actions of another party. The recent rising trend of injury claims is attributable to various reasons.

One reason is that injury victims are finding it easier to file claims in a market that offers no fee for cases that result in no recovery. Legal fees associated with personal injury claims are paid on a contingency basis; as a result, the standard is that attorneys offer to represent injury victims with payment for services contingent upon a recovery settlement. While this type of arrangement may encourage injured claimants to file suit more readily, it is important to recognize that the recovery is tapered by the legitimacy and extent of the injury.

The rise in personal injury claims is also attributable to various products that were negligently released to the public, and have caused serious and even life threatening effects.

Media coverage and an overall heightened awareness of the availability of insurance compensation for injuries have also encouraged injury victims to pursue recovery for injuries sustained through the actions or negligence of another person or company. Furthermore, while auto accidents haven’t increased in frequency over the past couple of years, the number of claims arising out of auto accidents has risen likely due to the publicity of auto accident injury recovery; and the recent trend may also suggest that motorists are more likely to seek compensation for insurance coverage that they are mandated to pay, even for marginal injuries.

Personal injury claims all vary in severity, and often times they involve lifelong consequences that require extensive future medical expenses and years of pain and suffering. If you or a loved one has been injured due to the actions or negligence of another, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer. Think quick, call Blick!

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DUI and the Potential Effects

On a daily basis, Florida drivers receive DUI’s and face obvious and hidden consequences that can have a wide reaching personal impact. When a person is charged with a DUI, the consequences may include:

  • License Suspension
  • Drastic Insurance Increases; especially when required to obtain FR-44 insurance coverage
  • Complications with Employment; both present and future
  • Driving Restrictions that require additional costs such as an Interlock Device installed in your vehicle for a period of 6 months, 1 year, or even 2 years, depending on your situation
  • Probation
  • Legal Fees and Court Costs

These consequences contribute to a multitude of difficulties that one faces when battling a DUI charge. It is important to fully understand and appreciate the severity of possible consequences associated with DUI, and always take all possible steps to avoid Driving Under the Influence.

DUI, or Driving Under the Influence, generally refers to a person who has physical control of a vehicle while that person’s normal faculties are impaired by any type of drug, including alcohol, illicit drugs, and even prescription medication. Therefore, if you are under the influence of drugs other than alcohol and are in actual physical control of a vehicle, you can still potentially be charged with a DUI.

In Florida, a blood alcohol level of .08 or more constitutes alcohol impairment beyond the legal limit. However, a police officer may still arrest you for a lower blood alcohol concentration (BAC) if they suspect that your normal faculties are impaired while operating a motor vehicle. Having a BAC under a .08 will increase your chances of overcoming the DUI conviction, but you may still be arrested and endure several hassles that go along with combating a DUI charge.

Police officers will pull drivers over for a number of traffic offenses, even minor ones, and initiate immediate conversation to determine the potential impairment of the driver. To assess the physical signs of impairment, Police will be looking for the ability to maintain eye contact, slurred speech, the smell of alcohol on a driver’s breath, or bloodshot eyes.

Know that your behavior once you’re pulled over is being scrutinized immediately, especially when pulled over late in the evening or after leaving a bar. Therefore, being polite, answering questions respectfully, and not making legal arguments is in your best interest.

While it is your right to not answer any questions without a lawyer present, not doing so will certainly raise the officer’s suspicion and they will likely investigate further. It is wise to answer questions vaguely and avoid delving into specifics, including any amount of alcohol you have consumed, or that you just left a party, bar, or football game.

If the Police are suspicious, they will tell you to exit the vehicle, and you must. However, you may refuse to submit to any sobriety tests conducted. Even if you think you can pass the sobriety exercises, it is likely in your best interest to politely refuse because the officer determines whether you passed based solely on their own judgment. Know that you always have the right to contact an attorney before you submit to any test.

If you are charged with DUI, it is important to seek legal counsel immediately! Call Blick Law Firm today at 813-931-0840. Make an appointment for a free 15 minute consultation with attorney Michael Blickensderfer to determine what your options are moving forward.

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Short Sale: Questions and Concerns

Homeowners are often unsure of what options are available when they reach financial hardship. A short sale is an agreement by a mortgage lender to sell property for an amount lower than the balance owed in order to relieve the buyer of the mortgage obligation.

A short sale can be a helpful tool when trying to avoid foreclosure. Depending on the negotiated amount of the sale and the timeliness of past mortgage payments, a short sale may help avoid the huge hit to your credit score that foreclosure causes. Additionally, short sale participants can later purchase a home in a shorter time than those who foreclose on their property.

A short sale can be completed by finding a buyer to purchase the home who is willing to pay current market value, and having the mortgage provider agree to the sale. Any shortage after the sale will then either be written off by the lender and an IRS 1099 is issued to the seller, or a deficiency remains which the lender may pursue to collect against the seller.

Beginning November 1st, 2012, changes were made to help streamline the short sale process including:

  • An expedited short sale approach for borrowers most in need.
  • Lenders will now have the power to quickly and easily qualify certain borrowers who are current on their mortgages for short sales.
  • Lenders will waive the right to pursue deficiency judgments in exchange for a financial contribution when a borrower has sufficient income or assets to make cash contributions or sign promissory notes.

The short sale process can be complicated, and the lender may not be willing to negotiate. It is important to know that a real estate attorney can help negotiate the sale and terms with the mortgage lender and provide you peace of mind that your short sale is being handled by an accountable professional.

If you have legal questions regarding your short sale or you are considering your options, call Blick Law Firm today at (813) 931-0840 to schedule a free 15-minute consultation with attorney Michael Blickensderfer.

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Protección contra lesiones personales (PIP) cambios en las leyes de la Florida

Protección contra lesiones personales (PIP) es una cobertura obligatoria de las políticas de seguros de automóviles de la Florida que cubre gastos médicos, salarios perdidos y otros daños. El propósito original de la cobertura de PIP era asegurarse de que cualquier persona lesionada en un accidente de auto rápidamente recibiría dinero para tratar sus lesiones. En la Florida, todos los conductores están obligados a obtener un mínimo de cobertura PIP 10,000 dólares para gastos médicos y salarios perdidos a raíz de un accidente de auto.

Debido al fraude rampante y la apropiación indebida de la cobertura de PIP en la Florida, las compañías de seguros han presionado para aprobar una reforma de seguro de PIP para limitar los tipos de tratamiento disponibles para las victimas de accidentes cubiertos por el PIP, y limitar la cantidad de cobertura con el fin de evitar abusos y fraudes.

En 2012, la legislatura de la Florida aprobó en la reforma de la ley PIP que prohíbe  el uso de PIP  dólares para pagar los tratamientos de masajes o la acupuntura y limitara el pago por el tratamiento no urgente de accidentes relacionados con las lesiones $2,500.00. Una preocupación generalizada es que las victimas de accidentes con lesiones graves no será capaz de obtener la atención que necesitan, si sufre una lesión, como un tirón cervical o hernia de disco debido a que estas lesiones no pueden ser calificadas como de emergencia.

Sin embargo, los partidos del proyecto de ley insisten en que la reforma contribuirá a una disminución global de las de seguros y proporcionar un alivio muy necesario a los conductores de Florida.

Si usted o un ser querido ha sido victima de un accidente de auto y tiene preguntas sobre sus derechos, llame al bufete de abogados Blick hoy en 813-931-0840 para programar una consulta gratuita de 15 minutos con el abogado Michael Blickensderfer. Piensa rápido, llame Blick 813-931-0840.

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2012 Presidential Election Voting Procedures

Tomorrow is Election Day, and millions of Americans will be heading to the polls in support of their Presidential candidate. In an effort to effectively facilitate the constant flow of voters, the Florida Department of State, Division of Elections issues a Polling Place Procedures Manual. The Manual includes instructions on Voting Procedure and Voters’ Rights.

Procedurally, voters are required to have their eligibility to vote determined prior to voting and must present required identification which may include the following:

  • Valid Florida driver’s license
  • Florida ID card issued by the DHSMV
  • U.S. passport
  •  Debit/credit card
  •  Military ID
  • Student ID
  • Retirement center ID
  • Neighborhood association ID
  •  Public assistance ID (Social Security or other social services)

Voters may bring in pre-marked sample ballots or campaign literature for their personal use; however, voters are prohibited from using literature for campaigning purposes. Additionally, voters may wear campaign buttons, shirts, hats, or any other campaign items when they enter the polling place to vote.

It is important to know that voting rights afford voters the opportunity to receive up to two replacement ballots if he or she makes a mistake prior to the ballot being cast; receive an explanation if his or her registration or identity is in question; cast a provisional ballot if his or her registration or identity is in question; and among other things, may receive written instructions to use when voting, and, upon request, oral instructions in voting from election officers.

Blick Law Firm knows that it is important to understand your legal rights, and encourages all Americans to exercise their right to vote. If you or a loved one has questions or concerns regarding your legal rights, call Blick Law Firm today at (813) 931-0840. Schedule a free 15-minute consultation with attorney Michael Blickensderfer.

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