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In A Car Accident? Insurance Will Try To Cheat You

The story goes like this…

You are heading down the street when a car comes out of nowhere and plows into the side of your car!

Instantly there is damage to your car and worse you are hurt. You end up having lacerations on your face, bruises on your arms and legs and multiple pain areas around your neck and back.

You visit your doctor and are told your spine was injured, you have soft muscle tears and the pain in your neck and back is most likely from whiplash.

You are being told that you will need therapy and will most likely have to take some time off of work to heal.

After all said and done you are looking at a total cost of $35,000! $20,000 from all the medical treatment and another $15,000 in lost wages because you had to take additional time away from work.

And here is where the insurance companies cheat you!

You send the $35,000 bill to the insurance company and the insurance company responds with something like, “we have reviewed your claim and are prepared to over you $20,000” which continues on to basically say you can take it or leave it!

What do you do?

Unfortunately, thousands of people have experienced similar situations. This is exactly what most of the top insurance companies are doing to save money.

Why? Why do they try to cheat you the little guy out of money?

Well its because all the big insurance companies ultimately answer to their shareholders. The more money they can save for themselves and NOT pay you the better they look to their shareholders.

Former insurance industry insiders say that the top insurance companies do this all the time. If someone is in a car accident and submits a claim, they will do the three D’s: delay, deny and defend.

They delay handling your claim. They deny you were hurt. And they defend their decisions in drawn out court battles.

This has become a common strategy amongst several of the major auto insurance companies.

There is documentation from former claims adjusters that sometimes they would offer less than $100 dollars for an accident claim knowing that the person filing the claim was poor and most likely would take the money for fear they wouldn’t get anything at all.

The insurance companies are betting you won’t wait, you won’t sue and you will take what you can get and walk away.

Accident victims have been walking away from billions of dollars each and every year!

Don’t be a victim twice. If you or someone you know has been in an accident talk to a licensed legal professional to hear what options you have. One call that’s all. A few minutes now could put thousands of dollars more in your pocket later.

Destroy Your Spouse Stories Told By Divorce Lawyers

Below are several true stories of spouses getting back their ex-spouse after a divorce.  Don’t miss our favorite.  A guy goes to extreme lengths to get back at his ex-spouse.  Scroll to the bottom to see.

 

Rated 6/10

“I was a clerk for a judge that handled divorce cases. We had a couple that were both lieutenant colonels in the Air Force. They had one daughter who was about 11 or 12. Both had graduate degrees and were generally intelligent people. Well, the husband had an affair and things went sour with the relationship. The daughter was at that age when her relationship with the mother was starting to get a little strained, and she mentioned how she wanted to stick with her dad because he was about to be stationed elsewhere since the parents would be going their separate ways.

The mother freaked.

The first thing she did was go to the local police department and claim the father had been touching and abusing the daughter. They investigated and couldn’t find any evidence, so they dropped the case. The mother then went to the Air Force Office of Special Investigations and reported the same thing. The Air Force then suspended the husband from duty and conducted their own investigation. Same result, no evidence of wrongdoing, and the case was dropped. The mother then went to the next state over where the husband was about to be transferred and contacted the local police there with the same story about touching and abuse.

They, of course, do their own investigation, but the same result, the case was dropped.

Of course, this whole time the daughter has been interviewed a dozen times by psychologists, various therapists, the police, the Air Force, and who knows else. The daughter was traumatized by people constantly asking her if her dad had been touching her/abusing her and so forth. Not to mention the harm it did to her father’s career. He was ruined from any possible promotion just because of the allegations. As well as the fact that infidelity in the military is a big no-no.

But that was his own doing.

Well, once word of all this got back to the judge, he was furious. He’s a former Air Force Jag and still had contacts in the ranks. Well, the couple came in front of him one day for a hearing, and he outright told her she better stop this behavior or he was going to hold her in contempt of court for the maximum amount of time he could lawfully hold her in a cell. He said he’d also contact the DA and recommend the filing of charges, contact her Air Force superiors and recommend reprimand to the fullest extent possible, and basically anything and everything he could do within his power.

It was one of the most messed up things I’ve seen during my relatively short experience in the legal world.

She lost any hope for a relationship with her daughter, possibly for the rest of her life. Her Air Force career was over. And last I heard, the DA’s office was looking into possible charges. I don’t know what happened with that because I left soon after all of this happened. The judge in this situation didn’t have much authority outside the divorce itself. He could make recommendations and suggestions to the DA and Air Force but had no power to bring charges. The most he could do is put her in contempt of court.”

Rated

“My sister-in-law is mid-divorcing my brother after 30 years of marriage. She’s met someone else, so far so normal. It happens, right?

The thing that’s destroyed him is the fact that she emptied their son’s savings account which my parents (who are very far from well-off) have paid into once a month for years. That’s his university fund wiped out. I don’t know about messing with your spouse, but it’s the one betrayal my brother can’t come to terms with.

My parents had set up an ordinary child savings account with my sister-in-law as the sole trustee. They trusted her, but unfortunately, this gave her complete control over the funds in the account.

Legally, there’s not much we could do. She claims she thought it was ‘spending money’ for my nephew for items of clothing, days out, etc. Bollocks to that. My parents already spend a fortune on that kind of stuff, and she’s clearly spent it all on her new relationship with the unemployed twit who also left his wife and three kids for her.

My parents have always had savings accounts for ALL their grandchildren, including my own children, and we ALL knew the money was for the kids to pay university fees or put towards a deposit on a home or something similar. So while she’s morally disgusting, I think legally my parents are destroyed.

One glimmer. She didn’t get what she wanted financially in the divorce settlement because my brother’s solicitor asked for a provision in the order relating to her repaying the money taken from the account.

Faced with having to explain to a judge why there was a dispute over it, she backed down on some other stuff. So my nephew has a new account which my parents have started paying into, and my husband and I are doing what we can, too. Meanwhile, her life is circling the drain in all sorts of other ways which I personally couldn’t give a crap about except to the extent that my poor nephew is trapped in the middle of it.”

Rated 8/10

“My mom’s friend (we’ll call her Wifey) suspected her husband was cheating on her with his ex-wife. Yes, his ex-wife. The one he’d divorced prior to marrying Wifey. She hid a tape recorder (it was the ’80s) under the couch and caught him talking to his ex on the phone, making plans to meet up and bone.

She played it cool, real cool. Wifey didn’t let on that she knew. She waited till the husband went out of town for a business trip.

She changed the locks on the house, took his prized saddle and threw it into the fireplace. She emptied their bank accounts so every check he’d written on that trip bounced.

The house was in her name. The husband came back, couldn’t get in the house, and found he didn’t have a dollar left to his name. All she’d left him was the truck.

When they went to court, Wifey told the judge that since her husband was cheating with his ex-wife, a notoriously loose lady, she was afraid that she had AIDS.

So the judge made the husband keep Wifey on his health insurance for the next few years so she could get regular AIDS tests!

My mother told me that it took the husband eight years to recover financially. All over his ex-wife that he’d already married and divorced once! Man, I hope the coochie was worth it!”

Rated 7/10

“I worked for a lawyer who worked divorces. This was his favorite case.

A guy, who was making $150,000 a year, decided to get a Thai mail order bride, and they had three kids together. Dude had an affair, decided that he doesn’t want a ‘fresh off the boat’ wife and mixed race kids, and initiated a divorce.
The woman’s only priority was to have custody of the kids, so against her attorney’s advice, she was willing to take a deal where she got a car, $1,200 in child support, no spousal support, and $3,000 lump sum from their joint account so she could rent an apartment.
There’s ZERO chance that he actually wanted custody of the children because he already shacked up with the girl he was having an affair with.

She wanted full custody so bad, she was willing to live with three kids in a modest two-bedroom apartment and also pull the kids out of expensive extracurricular activities they were doing in order to economize. One of the kids has some talent in an Olympics event, to the level where she was getting professional coaching lessons.

She also got a crappy job after being nothing but a housewife since coming to the U.S. The husband took it in front of the judge, against the advice of his own attorney. The attorney told him that he was nuts to turn this down, all because he didn’t want to give her $3,000. But the guy figured that the judge would come to a decision that landed somewhere between what she wanted and what he wanted, not realizing that there’s a formula based on income that judges use to determine child support payments.

At court, the judge awarded the wife the $3,000 lump sum as well as $1,700 in child support FOR EACH KID.
So because he didn’t want to give his ex-wife $3,000 so his kids could have a place to live, about 50 percent of his take-home pay was going to his ex for the next decade.

Rated 10/10

The attorney I worked with was a tightwad about money who never did anything for free, but this was the one case where he represented the woman for just a nominal fee because he wanted justice.”

“The wife picked a Friday night when the drink-happy husband was good and sloppy and went a couple counties away to a crazy, redneck bar where nobody knew her. She picked the biggest, most wasted cowgirl she could find, called her a nasty name and poured a drink over her head.
The cowgirl beat the crap out of her. Black eyes, swollen face, the whole nine yards. She then drove straight to the police station near her house and told the cops that she had been beaten and escaped from the husband.
The cops went to the house, he mouthed off, not knowing why they were there, and they kicked the crap out of him. He did a year in jail for domestic battery and ‘resisting arrest.'”

Rated 7/10

“When I got divorced, my addict wife of 18 years had started another affair, this time with her addictions counselor. My lawyer and I laid a trap for them. Just in case you don’t know, intimate relations between a counselor and patient are frowned upon by the corresponding regulatory bodies.
And I was more than angry after putting her through rehab, only to have her fall back into her old behavior.

Shortly before the divorce was finalized, I filed a complaint with the State body licensing health professions. Knowing they were in some peril because of their unprofessional relationship, she had backed off her exorbitant demands. I paid her a modest settlement, kept the house, got custody of the three teenage kids, plus child support.

Her lawyer naturally included a clause in the divorce where I had to agree to not say anything negative about her lover and their relationship. But the lawyer messed up and never asked if I had already filed charges, and thus didn’t didn’t require me to rescind them.

The lawyer had assumed I was just bad mouthing them to neighbors and friends, and it never occurred to the lawyer that we were doing much more.

When the Board of Health Professions responded to my complaint shortly after the divorce was finalized, I told them that it would take a subpoena to get me to testify (a subpoena trumps a divorce settlement).

They were happy to oblige.

They stripped his license and placed him on a register of sanctioned health professionals. He never worked again. They were broke in a handful of years, and she divorced him when the money ran out.

In the interim, his mother died, leaving a fair-sized estate, so it took longer than I expected. Oh, and the frosting on the cake was that his wife and I traded notes, notably hotel receipts from the time of their affair, that helped each of us in our respective divorces.

Justice was served.”

Rated 9/10

“Generally speaking, a person needs to serve 20 years in the U.S. Military to qualify for retirement and, if you have been married more than 10 years, then the spouse is entitled to half of that in the event of a divorce.
There are exceptions, such as the early retirement options that are offered now and again, as well as medical retirement.

While I was in the USAF, I knew a Chief Master Sergeant whose wife cheated on him while he was in the desert.
He had been in the USAF for 19 years and was up for reenlistment. When he got back home, he didn’t reenlist and got out with no retirement just so that his wife couldn’t get any of it in the divorce.”

Rated

“My mom is a (now retired) divorce lawyer, so these terrible stories brought food to my table my whole life.

She was an ethical lawyer and would never represent someone shady. This guy came because his wife wanted a divorce.
She claimed that he was cheating on her with his secretary, which he obviously denied. And my mom believed him. So in the middle of a very long and contested trial, the secretary showed up to one hearing.
Nothing special. So my mom started talking to her. She was one of those people that doesn’t know how to shut up and just told my mom all about how it was all a plan since the beginning to get a bunch of properties from the wife that she owned and how these two had been in love and in a relationship for years.
The cool part was that my mom couldn’t actually do anything because she was the guy’s lawyer. So, instead, she went to the next room where the wife and her lawyer were standing and she literally said, ‘Hey, come here.’ She took them over to the secretary and asked her to repeat the whole story.
And she DID! The other lawyer recorded the whole thing. God, she was dumb. My mom then told her client that she would no longer represent him and that he was a jerk. Fortunately, the wife got to keep her stuff and her children because with that they proved the adultery.

But the worst was this crazy, dangerous guy, that was gonna get half of his wife’s assets.
SO, knowing that his (still) mother-in-law was loaded, he basically tried to kill her so his wife would get the inheritance and he would get half of that. Obviously, his plan didn’t work AT ALL. Now he’s in jail for attempted murder after he sent the poor, old lady to the hospital for weeks.”

“There was this lady who was going through a nasty divorce. Her husband had all of her possessions moved into a storage locker. He quit paying for the storage locker and conveniently failed to tell his ex-wife that it wasn’t being paid for any longer.

My buddy, who buys storage lockers, said that he saw the lady showed up with police officers in tears at the auction sale after someone else had already purchased the locker. The police told her there was nothing they could do, that this is a civil case and she would have to pursue it through the courts.
In other words, someone else had just purchased all of her life’s belongings and memories for pennies on the dollar.”

“I used to be a secretary for a family law Solicitor.

We had this one divorce case where the wife was a teacher of 30 years and had a nice pension. In the divorce settlement, it was decided somehow that the pension would be considered as a marital asset, and the husband was entitled to 40 percent.
He wanted the money right away, and so she had to cash in her pension, so to speak, and had to receive a reduced amount. The husband ended up getting around $20,000.

He was a drinker, wasted the money and drank himself to death within two years of receiving the money.”

“I have a coworker who rented a really nice sized house for his wife and four children. He always talked about wishing he could own a house that big for his family, but he would need to settle on renting for now.

He talked about how unbelievable the price was to rent a house that size, and how nice the couple was that owned it.
Well, the couple who owned the house eventually started going through a messy divorce.

The house was in the wife’s name, and she didn’t want the husband to have it.

She told my coworker about the divorce, and he thought she was going to say that he had to move because they needed to sell the house.
Instead, she asked if he wanted it. He said he was already getting it for a steal for what they charged for rent, and couldn’t possibly afford to buy it.

She replied, ‘I will take whatever you think you can offer and it’s yours.’
The wife also knew that her husband wouldn’t be cold-hearted enough to fight it, either, since it wouldn’t look good having a story about him kicking a family out of their home.”

“A wife negotiated like a woman possessed for custody of the couple’s dog, which the husband (my client) adored. We negotiated the husband’s visitation rights for the life of the dog. So she had a vet put the dog down a week after the divorce was final.”

“A husband and a wife were having an acrimonious separation. If I remember correctly, he was successful, and she was going after him for an immense amount of money.

She happened to be a multi-prize winning gardener.
We’re talking about an absolutely exceptional collection of rare and gorgeous flowers, shrubs, the works.

After an unsatisfactory development in their divorce proceedings, she came home to find that her husband had ridden their lawn mower over her entire garden, shredding every last stem and leaf into bits.”

“My client and her ex-husband owned a successful renovation company. Marital issues happened, and they decided to divorce. They looked at the money that was in the banks, the value of the company based on it’s past, the value of the house, etc.
Eventually, they made an agreement in which she got the company and house and he walked away with the ready cash. He took off for a sunny place to start his life again

Turns out, the husband had been planning to leave her for a while.
He stopped paying the vendors and the payroll taxes, which is where the money in the bank accounts originally came from. The company had been existing on credit for over six months while he emptied the bank accounts.
Employee’s paychecks started bouncing within weeks of him leaving, so they quit. Jobs were not getting finished, so customers demanded refunds. Within 12 months, she was looking for someone to buy the home in a short sale just to get enough cash to close out the payroll accounts before declaring bankruptcy.”

Rated 9 out 10

“A former co-worker and his wife had split up. Among other things, she took all of his belts from the house. He showed up for work with an ethernet cable tied around his waist because he didn’t have any belts. We worked an early shift, so there weren’t any stores open before he had to get to work.”

“I worked with a guy who really stuck it to his ex-wife. When I met him, he was working in a sporting goods store, making $8 an hour. He was not like the other retail monkeys. He was older, well groomed, well spoken, clearly educated etc. One night after work, I saw him get into his car, and I couldn’t help but notice that it was a nice Jaguar. I asked him how he could afford it, and he explained it to me:

He had been a Senior Vice President at a well known Fortune 500 company, pulling in $300,000 with bonuses and stock options. He was married, but the marriage fell apart and in the divorce, she demanded that she get the house and 40% of his wages.

He and his lawyer somehow managed to get her to agree to let him keep the house in exchange for 75 percent of his pay, no dollar figure or employer specified. As soon as she took the settlement, he quit his job and looked for a minimum wage job. He said to me, ‘She gets 75 percent of nearly nothing now.’ He had other money stashed away, so he didn’t even need the job. He had the house, and it’s equity as well. Also, no kids, so there was no child support. Just alimony.

She was furious, of course, and tried to sue him, but failed at least once and when she claimed that the settlement was not keeping her in the lifestyle she was accustomed to, he simply told the judge that the divorce was traumatic for him and he could no longer do his old job as a result.
At least at that time, she did not manage to get out of the deal. Not sure how it all ended, but I thought it was brilliant, if not crazy-level spiteful.

He was a good employee too. Good with customers, showed up on time, no absenteeism or anything like that. He claimed he loved each payday because it reminded him how little she was getting.”

16 Ways A Car Accident Can Ruin Your Life

Car accidents happen…

everyday and worldwide they kill and injure millions of people every year!

Every one of those involved in these car accidents will take a piece of that with them for life.   We have compiled a list of ways that a car accident can ruin you life below.  Some of these can be resolved if you work with an attorney after an accident.

1. Difficulty Going Anywhere

If you are involved in a car accident and your car is damaged, it may be out of commission for a few days. If driving your car is something that you rely on every day for commuting to and from work, running errands, etc., this can have a huge impact on your life. What’s worse is if your car is completely totaled, especially if you do not have the funds to purchase a new one.

2. Say Goodbye To Your Free Time

Dealing with the aftermath of an accident is a major time suck. Things that may take up significant amounts of time include seeking treatment for injuries (dozens of doctors’ appointments, hospital visits, trips to the pharmacy, physical therapy sessions, etc.); dealing with an insurance adjuster; gathering evidence; scheduling vehicle repairs; etc.

3. Fixing Anything On A Vehicle Is Never Cheap

Getting your vehicle repaired can be costly, totaling hundreds or even thousands of dollars. If insurance is denying the claim, you may be forced to choose between paying for these costs out-of-pocket and possibly suffering financial problems as a result, or not getting your vehicle repaired and therefore being without your primary means of transportation.

4. Fines From Traffic Tickets

When an accident occurs, you have a duty to report the accident to the police. When the police arrive, they will almost always make a quick determination about who did what and who was at fault, and they will hand out a traffic ticket, or tickets, as a result. Traffic tickets may increase your insurance premiums and affect your ability to get certain jobs (driving jobs), in addition to costing you money.

5. Paying More For Your Insurance Premiums

One of the most costly things about a car accident is this: If you are found to be at fault for the accident, or even partially at fault, your insurance company is likely to respond by raising your monthly insurance premiums. Over time, even a slight increase in insurance premiums can add up to hundreds of dollars lost. Read more about auto insurance premiums on the website of the Louisiana Department of Insurance.

6. Terrifying Experiences Cause Emotional Distress

Car accidents often do more than just cause financial losses, property damage, or physical injuries. They can cause emotional damages as well. A person who is involved in a car accident may have fears about getting in a car again, may suffer from post-traumatic stress disorder (PTSD), or may develop other emotional problems, such as depression, due to injuries, financial losses, and more. Emotional damages are more common in accidents where injuries are severe.

7. Life Long Physical Scars & Injuries

The most serious of accidents can cause injuries that are permanent or long-term. Some serious injuries that may not heal with time include spinal cord injuries, traumatic brain injuries, and injuries that lead to permanent scarring or disfigurement, such as burn injuries or amputation injuries.

8. Pain That Comes From Injuries

Although short-term injuries are not as serious as long-term injuries, they can still be extremely painful and cumbersome. Short-term injuries can result in high medical bills, prevent a person from being able to work, and put you out of commission, so to speak, for days, weeks, or even months at a time.

9. The Loss Of A Loved One

The most tragic thing that can result from a car accident is wrongful death. If you lose a loved one in a car accident, a legal advocate can help you pursue justice on behalf of your loved one. Although this is the last thing that anyone wants to think about, a lawyer may be able to help you to recover the money necessary to provide for your family after a tragedy occurs.

10. Legal Battles After A Car Accident

If a car accident claim cannot be resolved, a legal battle may ensue. Legal battles are costly, emotional, and time-consuming, and they are something that no one enjoys being involved in. Unfortunately, sometimes legal battles are inevitable in order to recover the money that you deserve.

11. Missed Work Time Following A Car Wreck

You may have to miss work after a car accident because you are injured, have appointments related to the car accident or injuries, or are emotionally unprepared to return. Missed time from work may jeopardize your employment and result in lost wages, which can place a financial burden on you and your family.

12. Loss of Ability to Do Everyday Things After A Car Accident

If you are injured, physically or psychologically, your ability to do everyday things, including your hobbies and most-enjoyed activities, may be impaired. In some cases, this impairment may be permanent.

13. Pain and Suffering Due To A Car Wreck

Most car accident injuries are extremely painful. Being in an accident can leave you in severe pain that can be difficult to cope with, and you may have to turn to prescription pain relievers.

14. Your Credit Rating Following A Car Wreck

If you are unable to pay bills that result from a car accident, such as medical bills, a lien may be filed against you and the bills may be turned over to a collections agency. In turn, your credit rating may be directly affected, which can affect your financial health.

15. Quality of Relationships After An Accident

The quality of your relationship with your spouse, your family, your friends, and more may be negatively impacted when you are in a car accident, experience financial troubles, suffer a serious injury, or experience psychological harm.

16. Not All Affects Of A Tramatic Experience Are Known

Although this list covers a LOT.  We still don’t fully understand the human brain. Being involved in a terrifying accident can leave lasting damage that is in addition to the above ways.

Did any of these hit home with you?  If so you should prepare yourself as best you can.  The first place to start is knowing your options.  Spending just a couple minutes on the phone with a licensed professional can be the difference between suffering for a few months or suffering for the rest of your life.  We have found this provider to be great!